23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

There are multiple accounts/inquires on my credit report that are not mine after multiple failed attempts to get them verified and receive information to do such I am left to attribute them to fraud or identity thief. Attached is my ID and a FTC report with all unauthorized and fraudulent accounts/inquires.
Product: Mortgage

0N XX/XX/XXXX I Aplied for a refinance conventional mortgage With Quicken loans AKA : Rocket mortgage. I was asigned loan officer XXXX XXXX after submiting several common documents and information .Quicken mortgage engaged in a patern of actions That I later learned is referred to as ( Red lining discrimination ). In violation of the Law QUICKEN mortgage conspired to create several dificulties to make my aplication procces as long and deceiving as possible. by using information that I did not provided about my employer instead Quicken used a wrong XXXX search and used a wrong employer in my aplication instead of using the pay reccords and failed to fix the error several times when told about it. They took about 28 days from my aplication date to asign a loan officer to my case, They took abaut 60 days and demanded repairs to the property as a condition for the loan, they had several unreasonable request for documentation and after I complied with. they keep requesting the same documents and conspired to avoid the closing of the loan in XXXX ocasions. closing was squedule for mondays and they requested documents by the weekend despite those request being previoulsy completed. During the procesing of my Aplication they used many diferent employees that used my procces for training and created a lot of confusion since each one of them was not a loan officer and poorly trained .Once againg I accused Quicken loans of cherry picking aplicants and engage en discriminatory practices and using delays and dirty bussiness practices to ensure that minorities or undesired geographic locations fail to get a mortgage .In my case they requested documents that were already provided and did it during the weekend .They sended to my employer XXXX XXXX an employment verification form and my employer filed and returned to them by fax and email on XX/XX/XXXX they acknowledge receiving it but a few days later near closing date they stated that they have been unable to contact my employer which was a complete lie. every efford made by my employer was useles because their several reps keep falsely stating that the procces was never done .After 3 moths I once againg provide them with last paystuff. those paystuff showed a lower pay rate than the previous one .on XX/XX/XXXX we discused options to adress the diference by using cash reserves, reducing the amount of the loan and using a co signer .I was promised a couse of actions to solve my complaints and to solve the diference in income. 
on XX/XX/XXXX I was called by Quicken rep who stated that they would not procced with the loan and they are not interested on a co signer neither a lower loan neither in the cash reserves option that they one to part ways. I stated that that was a violation ot the ECOA But he stated that it wasfor another department to handle.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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


XXXX XXXXXXXX XXXX # XXXX - IDENTITY THEFT POSSIBLEXXXX # XXXX - IDENTITY THEFT XXXX XXXX XXXX # XXXX - IDENTITY THEFT 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Synchrony bank closed a credit card, I paid off because they did a financial review and I had a different card with them that I was 1 payment past due on, because I had a reduction is work hours, which I had scheduled the payment and it was pending. This account the closed was paid in FULL, had nothing to do with the other card or the payments with the other card. This is udder BULL. They charge you two payments and up your scheduled monthly payment if you are 1 payment past due. If you owe them XXXX past due payment and the new payment XXXX, which i not considered past due, They charge you a total payment due of not XXXX but of XXXX, then report on your credit you are two payments past due, when you are only 1 payment past due. How is this allowed. Okay so they charge you XXXX past due, they go ahead and up you next scheduled payment to XXXX instead of XXXX. They change the terms of your credit. I am sorry this should be illegal and they should not be allowed to do this. This is why all of sudden someone who had a great credit score is now a poor score. You bank of paying XXXX communicate to them, they still call you 50 times a day, no joke. In one day they called me 35 times, each time I had to tell them I have schedule the payment, however they claim you have not scheduled the payment or communicated to them. " LIARS ''. You have to continue to repeat to them, I am late due to loss of income. Seriously someone who pays their bills and has a record of doing so does not just ignore their obligations. I feel like this bank should be investigated for fraud and a class action LAW SUIT should be filed against them and I would like them to be fined for what they have done to folks. I ca n't wait to pay them the other XXXX on the other card and I will close the account. I will send them the CARD in a XXXX tiny pieces. They are ruthless. I understand the late fee, but to double the payment and close account which has nothing to do with the one I am past due on, ILLEGAL!!!!!!!.
Product: Mortgage

I no longer can get my tax information or access my loan information online with Coldwell Banker Mortgage Company. I reached out to get someone to help me from Coldwell Banker, and they were unwilling to do so! They told me they could mail the information to me, but I have never received a single document via mail from them?? The told me they could fax me my mortgage tax information, but I do not own a fax machine. I own a PC with a printer and they refused to email the information because of their security policy! 

I have had a mortgage with this company for over 6 years, not 1 late payment! Yet they refuse to help someone who needs information to file their taxes! They changed all of their website information ... now you login in and you are directed into circles! 

I 'm at a loss ... please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX  XXXX XXXX # # # # # XXXX, XXXX XXXX XXXX XXXX # # # # # XXXX, XXXX XXXX OF OHIO XXXX
Product: Mortgage

We signed and agreed up to 4 closing disclosures prior to or close. The most recent was on XX/XX/XXXX. All disclosure showed the PMI as $ XXXXOur closing was on XX/XX/XXXX. 

At XXXX on Friday XX/XX/XXXX while at our closing, we noticed the PMI rate doubled to {$100.00} and immediately reached out to the lender, Inspire Home Loans to notify them of the discrepancy. Our loan officer, XXXX XXXX said she did not understand why the amount changed and immediately reached out to the private mortgage company for resolution. We waited until XXXX XXXX  only for XXXX to say that no one was returning her call and that she would get back with us on Monday. 

We were in between a rock and a hard place. Movers scheduled for the next day. We had to be out of my sold home by Sunday, XX/XX/XXXX. We had no choice but to sign the document as it was but was promised they could amend it once they get with XXXX  company. 

After closing they are telling us that they still don't have a reason for the rate change. None of the funding or loan terms changed. The loan officer said it was her fault and that she missed the updated terms from the XXXX  company and to simply give her a bad review. 

We want an explanation of why the PMI rate changed and ; the loan to be amended to what was shared on the truth in lending disclosure 4 times. The mistake was on their end not ours. 

Since the close, I have repeatedly tried to connect with the manager of the loan officer, XXXX XXXX. To date we, have been unsuccessful in resolving this matter.
Product: Credit reporting or other personal consumer reports

Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX but it is incorrectly listed as [ Incorrect Name ] on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, while my credit report shows an outdated address of [ Old Address ]. I request that my current address be updated accordingly. 



Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Checking or savings account

XX/XX/2020 - Bank of America sent a letter saying they want to verify my income and other documents, most likely because I have an XXXX name, and for my local area, their system flags accounts by XXXX  with an algorithm that detects based off the last name ending in 'yan ' or 'ian '. I am employed full-time with a salary, and the income I reported matches my provided documentation. Any income I had provided to Bank of America in addition to my employment income would be part of the total household income, such as self-employment, funds provided by family members for bills, or gifts. I have provided each piece of documentation to the return envelope they requested, which is now sent back to them in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS REPORTING AN AUTHORIZED USER ACCOUNT NO.XXXX. I AM IN BANKRUPTCY
Product: Debt collection

This is about the XXXX XXXX charge card issued from XXXX, in which my owed amount went up quickly. I noticed double charges and an unidentified person had requested that a duplicate card be sent to my address. I kept receiving emails indicating someone else was in my account which made it look like it was me. It was not. Additionally, a payment exceeding {$2000.00} was not credited to my account even though I have the receipts in my email. I tried to bring this up with customer service through XXXX 's chat feature and was only told to email the hardship debt resolution center. I called and got put on hold for over four hours causing me to give up and I decided they would contact me when I didn't pay the bill. My credit limit also got reduced significantly enough to lower my credit score excluding me from being accepted to a consolidating loan I was considering. This created a snowball effect and my credit suffered immensely. My charge account was referred to Calvalry SPV XXXX without notice and I was summoned to court. Before I was summoned to court, Calvary called me and I informed them of the fraudulent actions on my account. They ignored it and took me to court anyway. Because I was representing myself, I never got a hearing and my case was pushed into a default judgment. I never received anything from the court about my case even though I answered the complaint timely. About a month after the default judgment, Calvary sent me a form to fill out about the fraud, they required a convicted person for proof. I filed an identity theft report and affidavit with the FTC and mailed it to them plus the three credit reporting agencies. At this point, I am at a loss because neither the credit agencies, the debt collector, the bank, or the store has taken me seriously. I know I owe some of the debt, but the amount I owe is significantly less than I am being accused of. This is a complaint against XXXX XXXX for the security of their system whether its employees or outside the store, XXXX for not investigating, Calvary for not stopping collection actions until investigated, and the civil court in my district for ignoring my side of the case and not providing me with the answers I needed to defend myself properly, including where and how to file motions.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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 reporting, credit repair services, or other personal consumer reports

I was going over my credit report and I discovered that someone has taken out a XXXX XXXX / XXXX # XXXX. I have never been late on any of my accounts EVER! I have never done any business with XXXX XXXX / XXXX  nor do I have any contracts with them this is a fraudulent account. Someone ran up a account and never paid the bill in my name. I was moving back and forth from XXXX to XXXX and it may be possible I was compromised between the two cities. I Have filed a report with the CFPB and FTC. I have some old address that are not mine showing on my credit report as well XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I was in contact with a person who was selling me XXXX tickets. I sent him a payment of {$140.00} on XX/XX/2019, and once it was sent to him, he blocked me from all sources. I immediately called PayPal to stop the payment as it had not gone through, but they refused to help me. So I called the bank to stop the payment. PayPal said they paid for me, so now I have owed them money. They never contacted me asking or even signed up for them to pay on my behalf. could you please help me. The person did not receive the Money till XX/XX/XXXX but my XXXX XXXX  stopped the payment on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of my Auto Loan account number XXXX XXXX XXXXXXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of XXXX XXXX Code XXXX, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my Auto Loan have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Vehicle loan or lease

I separated for the navy in XXXX and haven been transitioning back into civilian life for the last couple month which has coming with its challenges. I had my vehicle was repossessed on XX/XX/23 after XXXX. I got in contact with them the next day I was told my vehicle would be held until the XXXX for the amount of XXXX form the vender ( Truist ) and then an addition amount would be charged form the towing company themselves for storage. I called back on the XXXX the XXXX was XXXX XXXX, so the office was closed. I wanted to verify the amount again so I know the amount to request for finial help. The amount was now XXXX, I asked for how much the towing company would be charging and was told I could get that form their third-party Loss and XXXX. Loss and XXXX informed me that they do not deal with money they are simply a middle man between the vendor and finding a local towing company to retrieve and hold the vehicles. Loss and XXXX informed me that vendor is the one who sets the price for everything even how much towing company should charge me. I have called Loss and XXXX and the towing company and got the same answer each time that they are waiting on the vendor ( Truist ) to tell them how much to charger me. When I call Truist I keep being forwarded to Loss and XXXX to get the additional amount. It been less than XXXX week I just want my car back.