23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I met XXXX XXXX at a networking event where he was soliciting mortgage applications. I asked him to look into potentially financing a rental property that my domestic partner owned and sent him information regarding my domestic partner, XXXX XXXX ( I have a power of attorney for her and she authorized me to act on her behalf in this transaction ). She owns a rental property that has no debt on it and we were interested in obtaining a conventional mortgage loan on it. I was very specific that we did not want to have her credit report pulled unless XXXX XXXX felt that she would be able to obtain conventional financing ( her situation is unique and I did not think that she would qualify and explained to XXXX XXXX all the concerns I had regarding underwriting ). He assured me that he could get it done and pulled the credit report. He subsequently got busy with other clients and stopped answering my followups for one month. He then answered one additional email and again stopped responding to me for another month. It has been over 3 months and XXXX XXXX has completely failed in his customer service in the basic answering of emails and phone calls. This is irrespective of whether he can actually obtain a mortgage, he simply can not and refuses to answer emails and phone calls. This is the most unprofessional real estate professional I have dealt with in my entire life.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has Been More Than 30 Days Since I Mailed My Disputes To XXXX XXXX, XXXX And Equifax. I Haven't Received A Response From Either Of These Bureaus As Required By The The Fair Credit Reporting Act.
Product: Debt collection

I had my child in a daycare and made all my payments on time. I found out that this daycare was putting XXXX removed my child from this day care. XXXX other mothers did the same. I was all paid up at this time. I was then told by the woman that owns the company that I owed dues not only for that month, ( which was paid ), but also for the following month, which I did not. I have the proof that I owed nothing more to this company and can provide this. I then began receiving collection notifications from Pacific Credit Services that increased each month. I never received any notification from the daycare - no warning, grace period, statement explaining what I owed this money for, etc. My credit report now states that I owe {$790.00} for nothing. Not only that, but they continue to re-age my account, when I have made no payments, have had no contact ; nothing. That in itself is grounds for a suit pursuant to the FDCPA. This company is absolutely violating my rights and I intend to sue this company if they do not remove this negative and illegal listing from my credit report immediately.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end pro

cessing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXXXXXX XXXX Account Number : 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.
Product: Mortgage

Quicken Loans ( " Rocket '' ) engaged in predatory lending practices. Rocket used misleading advertising and promotions to target a borrower that does not have any financial resources. Rocket has a promotion with LegalShield that advertises a {$1500.00} reduction in fees. Rocket does not honor that advertisement. Rocket misapplied the down payment on the home to excessive and undisclosed fees at the closing ; thereby unlawfully increasing the debt amount by {$1500.00}. Rocket circumvented legal counsel and strong-armed into signing inappropriate documentation. These documents are not admissible in court and Rocket now seeks to enforce these unlawfully obtained signatures. These unlawful activities seem to be widespread within Quicken loans. The borrower made a formal written complaint to Rocket which should have been turned over to internal compliance. Rocket executives stated that they do not have an internal compliance department. Rocket used strong-arm tactics to enforce the additional principal and interest payments on the loan. Payments were made which were legally not owed, Rocket took the money and laundered it under US Law. Rocket has engaged in a pattern of Mail Fraud, Wire Fraud and RICO under US Law. Finally, Rocket sold the loan without proper disclosure ; thereby engaging in securities fraud. These issues are so widespread within Quicken/Rocket that all of their people know the registered agents address to serve legal process.
Product: Checking or savings account

I am writing to formally file a complaint regarding an incident involving my card being skimmed at a XXXX XXXX XXXXXXXX ATM located at XXXX XXXX XXXX XXXX, XXXX. I believe this situation has been handled negligently by both the bank and my financial institution, and I am seeking your assistance in resolving the matter. 

Here are the details of the situation : Date of Incident : XX/XX/2024 Location : XXXX XXXX XXXXXXXX ATM, XXXX XXXX XXXX XXXX, XXXX, IL ATM Withdrawal Amount : {$100.00} ( XXXX atm ) the day prior XX/XX/2024 on XX/XX/2024, I had a transaction of : XXXX, XXXX, XXXX, XXXX and another XXXX ( {$540.00} ) on XX/XX/2024 all while I had my card on my body at work with no one else having access to my information. 
Account Number : XXXX - Physical card On XX/XX/2024, I discovered unauthorized transactions on my account after my card was skimmed at the ATM. I immediately contacted XXXX XXXX XXXXXXXX, the operator of the ATM, to report the fraudulent activity. However, they were unable to assist me due to the fact that my card was issued by a third-party bank, MoneyLion. XXXX XXXX XXXXXXXX did not take any steps to rectify the situation or investigate the claim further. 

I subsequently filed a dispute with my bank, MoneyLion, providing them with all the necessary documentation to prove my case. This included an affidavit from my employer, confirming that I was actively at work over XXXX miles away from the location of the ATM at the time of the fraudulent withdrawal. Additionally, I confirmed that I had my card on me, which further supports the claim that my card was skimmed at the ATM. 

Despite providing this affidavit and other relevant information, MoneyLion denied my dispute, citing that I did not have sufficient details to support my claim. This decision has left me frustrated and without recourse, as I have done everything in my power to prove that my card was compromised due to the negligence of XXXX XXXX XXXX  in securing their ATM. 

I am requesting the CFPB 's assistance in reviewing this matter, as I believe that both XXXX XXXX XXXXXXXX and MoneyLion have failed in their responsibilities to properly address and resolve this fraudulent activity. I am seeking a resolution in which I am reimbursed for the unauthorized transaction and that proper steps are taken to ensure such incidents are prevented in the future.

Thank you for your time and attention to this matter. I look forward to your prompt response and assistance in resolving this issue.
Product: Credit card

I have a secured credit card. I made a payment to bring my credit back up on the card, this the payment I made would have been sent back to me and it wasnt even Discovers money. On XX/XX/XXXX, a day after I made this payment, I got an email stating that they werent able to take the funds so I spoke to support. They told me to wait for a week or so as it would transfer over soon. A few days later, on XX/XX/XXXX they closed my account. I wasnt notified of this by email, text or even in the Discover app. The Discover app was functioning as if the account was still there so I continued trying to fix it until XX/XX/XXXX when I just contacted support again. Thats when I found out that my account had been closed. I asked why they never notified me and they said that I should receive a letter about it within the next few weeks. I asked if I could take my money out of the account since it was my money to begin with and Discover just said that they dont even manage their own secured cards, another company does and they arent able to do that. Working with this company has been so insanely frustrating, at this point my credit score can take the hit from closing down an account I just dont want them to steal my money too.
Product: Credit reporting or other personal consumer reports

I am writing to address an issue concerning an account listed on my credit report. The account in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has been a subject of dispute due to discrepancies and unresolved issues. Specifically, there are inaccuracies in the reported information. Despite previous attempts to resolve these discrepancies directly with your company, the issues remain unresolved. I am formally requesting a thorough investigation into the validity and accuracy of the reported information. Please provide confirmation of receipt of this correspondence and advise on the next steps to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it XXXX concern : On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX, I mailed TransUnion XXXX by CERTIFIED mail in regards to some reporting issues that I have with them. The account names are as listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It 's been an ongoing and frustrating process trying get them to investigate the issues that I have properly with the creditors. They 've also failed to provide me with factual and accurate information validating and verifying the accounts and inaccurate information that they continue to report. I made it perfectly clear to them in my letters that I wanted these issues thoroughly investigated and that I wanted to be updated in full detail of the summary of their investigation. Including the name of the company and representative that they spoke with along with the date and time, valid contracts, and anything else that will prove that what they continue to report is verified as well as validated. I also included that the issues can be resolved by simply removing the inaccurate and incorrect reporting if the items I mentioned above ca n't be provided. This has truly been a painful experience for me. What makes this process more frustrating is that I 've contacted other credit bureaus concerning some of the same issues and they 've more cooperative and helpful than TransUnion XXXX. I thought that they are supposed to have consumer 's best interest at heart. Instead, it seems as though that they 're trying to hinder me. I did n't want to result to filing this complaint, but I hope that this will be the conclusion of this entire ordeal because I 'm exhausted! 

Certified Mail # XXXX XXXX/XXXX/XXXX Certified Mail # XXXX XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX showing on credit filed ftc they keep calling me have them quit XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XXXX XXXX, XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$8400.00} Balance Updated XX/XX/XXXX Credit Limit {$7200.00} XXXX/XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Mortgage reporters Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Personal loan companies Contact Information XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX inquiries XXXX XXXX XXXX - XXXX  Date of Report : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Credit unions Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX   XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXXXXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Student loans Contact Information XXXX XXXX XXXX XXXX XXXX, DE XXXX filed ftc 90 days ago
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX A Reported : XXXX XXXX, XXXX - incorrectly reporting as *charged off as bad debt and sold to a another lenderXXXX. THIS WAS PAID IN FULL IN XXXX OF XXXX. I've made multiple requests for evidence of the charge off /pay history for which there has been no response for more than 60 days. Please delete the account in entirety or update the account information to PAID IN FULL. I've included a copy of my drivers license and bank statement as proof of payment.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX  Account Name : ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

Hello, I reached out to my lender Mercedes-benz financial in XXXX of XXXX and explain how I had XXXX  and was XXXX  and explain to them that I was going through a financial hardship and they explained to me it was nothing they can do about it they have already gave me the amount of extensions that they could and I completely believe this is unfair so I would like to exercise my consumer rights section 1026.23 ( a ) 1026.23 ( b ) 1026.23 ( d ) right of rescission section 125 is good for three years. vehicle is already paid for by my Social Security number so technically Im paying for this vehicle twice which is against the law. They also broke the Consumer law with 15 US C1662B no down payment too much I paid one. They also broke the law with 15 US C1605 the termination of finance charges finance charges I have been misled by his company and taken advantage ofThis company has forced me to use my personal information for a vehicle that is my business vehicle which they shouldve just use my XXXX number only I need someone to look into this matter immediately I have dealt with this company for a long time and Im truly traumatized define out how they Took a vantage of my consumer laws.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, 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 ( Bank ), has violated my rights. 
XXXX XXXX ( Bank ), has violated my rights. 
XXXX XXXX ( Finance ), has violated my rights. 
XXXX XXXX XXXX ( Finance ), has violated my rights. 
XXXX XXXX ( Auto ), has violated rights. 
XXXX XXXX XXXX XXXX ( Auto ), has violated my rights. 
XXXX XXXX XXXX ( Bank ), has violated my rights. 
XXXX XXXX XXXX XXXX ( Auto ), has violated my rights. 
XXXXXXXX XXXX ( Finance ), has violated my rights. 
XXXX (

Bank ) 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 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

Citibank would not grant approval for loan via XXXXAsked for utility bill but provided a non working fax number to send this information effectively denying creditEarlier asked many questions over phone by non XXXX XXXX speaker and supposedly got XXXX question wrong but would not tell which XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit monitoring site and was notified that Equifax was reporting a late payment with XXXXXXXX  XXXX however when I pulled the report it indicated that the payment was not more than two payments past due and does not even list when this supposedly happened. I have never been late with this payment and have no idea what Equifax would be the only bureau listing this information.
Product: Debt collection

My husband, XXXX XXXX, got an unsolicited phone call, from Carter Young Debt Collectors on his cell phone-XXXX, for an unknown debt I owe. 

His cell phone is part of the donotcall.gov national registry and this phone call that left no message, until he called them back, because of the unusual and close to the home origin of the phone number that called, to hear them only say that it was a business matter that concerned me and not him. He told the operator for Carter Young of Georgia, that I was not available due to my work schedule, and they responded by saying for me to call them back, but not specifying for debt  collection, which is the primary function of their business dealings. 

This possibly is a violation of T.C.P.A. rules, and do not call registry rules Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a security breach and as a result i have become victim of identity theft. My credit card number was stolen to used to attempt to make purchases without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX CA XXXX XXXX Subject : Demand for Correction of Credit Report Inaccuracies per CFRA as a federally protected consumer. I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act and other applicable regulations, including 15 U.S. Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974. The Fair Credit Reporting Act ( FCRA ) emphasizes the importance of consumer reporting agencies handling consumer information with fairness, impartiality, and respect for privacy. 

As a consumer, I have the right to protect my private information from being shared, as outlined in 15 USC 6801. This section states that " It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Notably, the " furnisher of information to credit agencies, '' qualifies as a financial institution under this statute. Furthermore, 15 USC Section 1681b ( permissible purpose ) restricts the circumstances under which consumer reporting agencies like XXXX, Equifax, and XXXX can furnish consumer reports. This section explicitly states : " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' the furnisher of information, does not possess written consent from me to access my personal information. Therefore, as a federally protected consumer I am now opting out of any-and-all authorization I, the consumer may have given you- written, unwritten, verbal or nonverbal per 15 USC 1802 with instructions of the following- ONLY : - Inquiries - previous address ( non-mailable ) - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - status loan term. I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA, on each of my consumer files with the three bureaus. IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. 

The only current personal information I verify as accurate reporting is the following : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX Payment status, reporting and remarks for all accounts to be updated to paid as agreed/on time. 
Usage for all accounts to be updated to 0 %. 

The CFPB definition of Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Information added to your report without your written consent could be considered Identity theft. I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 
Sincerely, XXXX XXXX