23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Complaint : I applied for a loan modification by completing an Application for Success with Rocket Mortgage on XX/XX/XXXX. I am a co-borrower on the mortgage with my wife. My wife has XXXX and has lived in a XXXX home for the last XXXX years. My son, who is my wifes legal guardian. He signed on behalf of my wife when we submitted our Application for Success. My son sent in all of his guardianship paperwork. Later, I was approved for a loan modification, or XXXX XXXX XXXX, on XX/XX/XXXX. Again, my son signed and submitted all of his guardianship paperwork. 



I made my XXXX trial payment on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I made my next payment on XX/XX/XXXX. My payments were on time, and everything was going smoothly. But when Rocket Mortgage sent out the loan modification paperwork, their notary refused to allow my son to sign on my wife 's behalf. Then, Rocket Mortgage called my son on XX/XX/XXXX, and told him that he would need to submit an entirely new Application for Success. 



On XX/XX/XXXX, when I tried to make my monthly payment, Rocket Mortgage called my son, told him that we were in foreclosure status, and told him that he did not have authority to sign for my wife. This came out of nowhere. My foreclosure had already been dismissed, and I was relieved to have everything over with. Now, I am under a great deal of stress because Rocket Mortgage is wrongfully threatening me with another foreclosure and refusing to cooperate with me.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Balance : {$6600.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payment was made on time, which falls within the 15-day grace period provided by XXXX  As such, the account should not have been reported as 30 days late. 
Clerical error by XXXX : Despite making the payment on time, it was incorrectly recorded as late due to a clerical error on the creditors side. This error led to an inaccurate XXXX late report to the credit bureaus. 
Evidence Provided : I have attached bank statements and payment confirmations showing that the payment was made on time, clearly indicating that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing this complaint against CashApp ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the customer Financial protection act ( CFPA ), specifically, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2900.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX, I rented a car in XXXX XXXX from XXXX XXXX XXXX. The automobile that I rented was stolen and after much prodding was given another vehicle. I paid all the fees for both the rental car that was stolen and the substitute car. According to the credit card company, because the rental car company will not provide the documentation, I can not receive the benefit. The rental car company insists that I owe them money, which I do not. I have a reconciled statement from a CPA indicating that, in fact, the rental car company owes me money. The rental car company refuses to cooperate and has threatened to take me to court. 

I have spoken with the credit card company on several occasions and despite all the documentation I have provided, they still refuse to move on the claim. They have the XXXX Insurance Claim that the damages were paid, photos of the damage, the paperwork that shows the stolen car and key to the car was returned. 

The amount of the benefit due me is {$800.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I recently opened a credit account with concord credit. It was a destiny Mastercard. When calling to make my first months payment I learned this company ONLY accepts payments from bank accounts and not debit cards and I could go to XXXX XXXX every month to pay the bill. I stated this was unusual for a credit company and severely inconvenient. I stated had I of known this I wouldn't have opened an account. I also stated out of frustration that and I quote " would rather close my account than have to travel to a XXXX XXXX each month to make the payment ''. Next thing I know I'm receiving credit notifications that an account was recently closed. This company closed my good standing credit account without legal reason or express permission from me. My credit score took a hit and after calling and speaking with concord credit, they were supposed to do a phone call review to review the recorded phone call and if it were deemed the account was closed rightfully it would remain closed. That phone call was on XX/XX/XXXX, and the account has not been reopened to date and the company has not contacted me since. These types of bad business practices need to be addressed because they have longterm impacts on consumers like me. I opened a new line of credit to improve my credit NOT tank it. This is wrong and no account in good standing should be closed without signed consent from the consumer. I want the account reopened or EVERYTHING related removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am resubmitting my complaint trying to get my EQUIFAX credit report I have been trying since XX/XX/2019. this company is asking me to resend my personal information yet again and what they are asking for I have already sent this company. I have refused to send my personal information in the mail again and when I did send it I received two letters from Equifax XXXX first letter dated:XX/XX/2019 and the second letter dated XX/XX/2019.And now I have received letter number 3 dated XX/XX/2019 asking for more personal that as I have stated above has already been send letter # 3 is from XXXX XXXX.CFPB I JUST WANT MY FREE ANNUAL CREDIT REPORT PLEASE HELP!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint and demand immediate action regarding the ongoing failure of credit bureaus to correct inaccurate personal information in accordance with the Fair Credit Reporting Act ( FCRA ). This failure has directly resulted in significant errors and delays in my social security case due to an inability to verify my correct information. 

Details of my complaint are as follows : Despite multiple attempts to correct my personal information with the credit bureaus, including but not limited to [ specific dates of contact ], I have been met with persistent negligence and disregard for the accuracy of my credit report. 

I am legally entitled under FCRA to have the following accurate information reported : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Telephone Number : [ XXXX XXXX XXXX ending in XXXX ] Date of Birth :XX/XX/XXXXXX/XX/year> Social Security Number : [ Correct SSN ending in XXXX ] Employers : Requesting removal of all employer information This inaccurate reporting has directly impacted my ability to verify my identity for important purposes, such as my social security case, leading to errors and delays that could have been avoided if the credit bureaus had complied with FCRA requirements. 

Enclosed with this complaint are documentation supporting my correct personal information. 

I demand that the Consumer Financial Protection Bureau enforce the FCRA laws and take immediate action to compel the credit bureaus to correct and update my personal information accurately. It is within your authority and duty to ensure compliance with these laws to protect consumers like myself from the harmful effects of inaccurate credit reporting. 

I expect a prompt and thorough investigation into this matter, along with appropriate enforcement actions to rectify the credit bureaus non-compliance with FCRA. 

Thank you for your urgent attention to this matter. I look forward to your swift resolution and corrective action.
Product: Debt collection

Please send DEBT VERIFICATION LETTER. I have no idea what this. You keep sending bills that I still have no idea what this is. I need something with my signature proving this is my debt. Other wise remove debt from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One 3/13/2023, 
Discover financial ser 07/08/2022
Sm bus admin oda 10/06/2022 
pentagon fcu 03/11/2023 
pentagon fcu 03/10/2023
Product: Debt collection

IN ABOUT XXXX OF 2017 XXXX REPORTED A REPOSSESSION TO MY CREDIT WHEN MY BANK ACCOUNT WAS FROZEN FOR A 2 MONTH PERIOD OF TIME DUE TO IDENTITY THEFT. 
THE ACCOUNT ON XXXX WAS PAID AND THEN WRITTEN OFF BY THE COMPANY. THE ACCOUNT SHOULD NO LONGER SHOW ON MY ACCOUNT AND SHOULD BE REMOVED AS IT WAS TAKEN CARE OF.
Product: Debt collection

I am writing to file a formal complaint against Check 'n Go regarding their handling of an account on my credit report. Despite my efforts to resolve this matter through the proper channels, Check 'n Go has failed to respond to my requests for debt validation.
Product: Credit reporting or other personal consumer reports

I noticed a XXXX fraudulent accounts on my credit report. I have contacted the creditors asking them to validate the debt. My information was stolen and there were XXXX fraudulent accounts open under my name. I have made XXXX attempts to get this issue resolved by contacting the company and all three credit bureau with no help. Since this incident Ive been very depressed and this has had a serious impact on me receiving credit and being able to live a normal life.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment XXXXXXXX XXXX XXXX XXXX XXXX XXXX Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Bankruptcy XXXX XXXX  Bankruptcy XXXX XX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address ( es XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address XXXX es XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX Employers : XXXX XXXX Former XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As XXXX XXXX XXXX Employers : XXXX XXXX
Product: Credit card

Credit Karma has a {$50.00} Guarantee approval process or the person applying receives {$50.00} upon denial of said card. I contacted them, informed me it takes up to 30 days. Contacted them after 30 days, they said 30 to 60 days. Well contacted them again at 85 days and told me to call some XXXX number about an account I don't have any couldn't help me with this. They don't have a customer service number anyway and refuse to email me back about this. The hit was originally in XXXX now XXXX and no help. They lied and hit my credit, so I lose points and {$50.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a personal loan request through XXXX XXXX XXXX XXXX ( XXXX ). Undenounced to me, I had already met the unknown and unpublished loan threshold at XXXX XXXX XXXX XXXX and was later denied credit. Had I known or had any transparency from XXXX I wouldve never requested a personal loan. Also, I never approved a hard credit pull but instead was requesting information. Please remove this hard credit pull for a personal loan. I'm willing to bring in legal counsel to aid in this resolution if necessary. 

Remove hard credit pull from all three credit bureaus.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023 XXXX XXXX XXXX Date of Inquiry XX/XX/2023.
Product: Money transfer, virtual currency, or money service

Synopsis : Sent date : XX/XX/XXXX and XXXX CST Amount sent from XXXX XXXX XXXX : Face value {$1000.00} USD and service fee {$5.00} Status : Has not received as of XXXX XX/XX/XXXX Receiver bank, XXXX , XXXX, XXXX : XXXX XX/XX/XXXX, XXXX has never received the amount of {$1000.00} for the receiver account Method of payment : XXXX account deposit I used XXXX account deposit service ( via MoneyGram.com ) to provide a direct deposit of {$1000.00} USD from the United States to XXXX to my beneficiary, receiver, on XX/XX/XXXX at XXXX CST -- via beneficiarys account and swift code number. As of today, my beneficiary still has not received a direct deposit of {$1000.00} USD. Weeks and months went by my beneficiary still has not received the funds. I called XXXX and they open a new case, XXXX. It took XXXX almost 90 days, to respond back on XX/XX/XXXX. XXXX stated the agent confirmed the money was paid, and they closed the case. XXXX respond was so vague, that they did not provide who, what, when, why, where, and how. My beneficiary was not able trace which bank in her city she should go to in order to claim {$1000.00} USD associates with the reference no XXXX. 

Ref : CFBP : XXXX XXXX case : XXXX Regarding to your statement : " Our records show that the transaction was deposited on XX/XX/XXXX, therefore we are unable to issue a refund. '' Your record is having a computer glitch or coding error, but my beneficiary and her banker 's record indicates {$1000.00} has never deposit to the receiver account ( see the attached supported documentations for details ). 

XXXX, could you please stop being vague? Could you please provide a supported evidence to support your facts? You stated that it was successfully deposit {$1000.00}, my receiver and her banker 's statement show no record of it. Why are you deceiving to the innocent people? Please see my receivers record, the attached supported documentations, for details. 

Please stop XXXX my hard earn money. Please give me back the money if you can't provide a point of contact of the bank that received the money. Right now, my beneficiary said her bank has never receive the money. 


Theory : XXXXXXXX should look into the medium, or a bank that routes money between XXXX and XXXX, and figure out which bank received the money that has not forward to XXXX. 

XXXX CEO : Please take a look into this case and take it seriously and resolve this matter ASAP. Thank you. 

PSA : XXXX is conducting an unfair practice and gross negligence. XXXX took the innocent consumer money and provided a fault record that a transaction was successfully on their end. But our end records do not show that {$1000.00} ( see the attached supported documentation ). How do you explain that? You have caused us so many down times during this COVID19. Why are you doing this? Why are you so greedy? Stop XXXX my money please -- I'm begging you to return this hard money back to my original debit card payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account. XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Mailed Experian XXXX and XXXX on several occasions about this Delinquent incorrect car loan on my report all three bureaus have verified the loan but when I requested the method of verification they never send me this. They literally ignore the letter. Additionally I mailed the furnisher of the information who is XXXX XXXX XXXX and the mail was return to sender not deliverable as addressed unable to forward. However I use the address that was on the Experian XXXX and XXXX sites. With that said this is against the FCRA as that information has to all be XXXX percent accurate and it is clearly not additionally they continue to verify the account but who are they verifying the account with especially when they wont tell me or show me proof. Additionally Experian is showing this still with the original creditor XXXX XXXX in which it can not be with both entities thus this is incorrect and needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX  XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXX Balance : {$2100.00} Account Name : XXXX ( XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX, XXXX Balance : {$330.00}, {$160.00} For one, I have disputed these three accounts with the credit bureaus since XXXX  of 2021, and have not gotten any response about how the accounts are verified and validated. These accounts are not reporting consistently and therefore I am using my rights to dispute if I find any incorrect and unverifiable items on my credit report.

For two, I have disputed the accounts directly with the original creditors and found that they haven't received any communication from the credit bureaus about a re-investigation. I am fixing my credit because I am trying to get approved for a loan. I did all that I could to get the bureaus to respond to my disputes with proof of the validity of the information reported on each account but I feel like my efforts are wasted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and XXXX personal loan accounts is listed on my XXXX XXXX, Equifax and XXXX credit report that 's fraudulent, unauthorized and do n't belong to me. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, Loan Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, Loan Account Number : XXXX XXXX
Product: Debt collection

I never received any mail or calls regarding these 2 medical collections. Same company.
Product: Money transfer, virtual currency, or money service

TomoCredit Boost keeps debiting my XXXX XXXX account for $ XXXX. I have tried numerous times to cancel service and account. No one will answer customer service number at the company.