23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mortgage includes escrow account. Rocket mortgage has refused to pay the taxes on the property that includes the home section of the loan. I have contacted the company several times. They say they have " researched '' the loan documents and this parcel is not included with the loan. They are incorrect. Rocket mortgage has been very difficult to deal with since the inception of this loan. Their paperwork is riddled with errors and rather than do their own research, expect me to gather all of the information and upload it to them. In XXXX, for instance, they tried to charge me for additional insurance because their date of insurance coverage was incorrect in their system. I gathered the pertinent information and sent it in. These documents should have been in their system already. Same thing with the taxes on the property. we quit claim deeded a 2 acre plot from within the property boundaries to our son ( its a house on the property ). Because of this slight change, rocket mortgage will not do their job and check to see that this property is in the original property purchased. I have all documents to back up the problems i have had with Rocket Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a contract with Department of Ed/Nelnet. I am not liable for collection of these debts from Nelnet XXXX, Colorado. I am not responsible for this debt.
Product: Credit reporting or other personal consumer reports

Hi i checked my credit report On XX/XX/XXXX. I noticed some unauthorized inquiries on my credit report. 
I currently received my credit reported and located the following seriousproblems of inaccurate reporting. I have sent letters to disputing my creidtreport because I have just accepted that i had bad credit and became a victim ofit. I dont know what went on in my name because soneone hacked my computer. I was not aware that my information had been compromised. 

I dont know what these collection, account are for inaccurate and late charges. I have contacted these collection agencies ( XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) to validate these debts, so therefore I am disputing the validity of these debts. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The status is incorrect for the following account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXXI Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACTED ALL THESE COMPANIES BUT NO RESOLUTION AND EVEN DISPUTED WITH ALL CREDIT BUREAU. STILL REMAIN ON MY CREDIT. I WAS TOLD TO FILED SO I CAN GET HELP. 

XXXX / XXXX XX/XX/XXXX. {$340.00} XXXX XXXX XXXX XX/XX/XXXX. {$1200.00} XXXX XXXX. XX/XX/XXXX {$13000.00} LVNV FUNDING LLC XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$2200.00} XXXX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX {$4800.00} RESURGENT XXXX XXXX/ LVNV XX/XX/XXXX {$650.00} XXXX XXXX XXXX XX/XX/XXXX {$260.00} XXXX XXXX XX/XX/XXXX. {$610.00} INQUIRIES THAT WAS ALSO AFFECTED ON MY CREDIT REPORT XXXX XXXX ( MISCELLANEOUS ) XX/XX/XXXX XXXX XXXX ( MISCELLANEOUS ) XXXX XXXX XXXX ( BANK ) XXXX XXXX XXXXXXXX XXXX XXXX BANK ) XXXX XXXX XXXXXXXX XXXX XXXX FINANCE ) XX/XX/XXXXXXXX XXXX  / XXXX XXXX ( FINANCE ) XXXX XXXXXXXX XXXX XXXX  ( BANK ) XXXX XXXX, XXXX XXXX XXXX  HOTEL AND TRAVEL ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( BANK ) XX/XX/XXXX XXXX XXXX XXXX BANK ( FINANCE ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( FINANCE ) XXXX. XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX ( BANK ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To date, I as the consumer, have consistently made complaints about the violation of my rights with the CRA and the companies that engage with them. XXXX, XXXX, and XXXX each continue to report inaccuracies without care to my privacy or the FCRA. The FCRA is federal and overrides all company policy. Furthermore, I was never given option to opt out of their services. While they took the liberty to obtain and distribute information, they are to remain fair and unbiased. They failed in that. 15 USC 1681, specifically 604A ( 2 ) states that a CRA can not furnish a account without my written consent. To date, I have not been contacted nor provided such consent. 15 USC 1681, 602A states my right to privacy. That has been grossly mishandled. DEPTOFED/AIDVANTAGE-account number XXXX DEPTOFED/AIDVANTAGE-account number XXXX DEPTOFED/AIDVANTAGE-account XXXX DEPTOFED/AIDVANTAGE-account number XXXX DEPTOFED/AIDVANTAGE-account number- XXXX DEPTOFED/AIDVANTAGE-account number- XXXX DEPTOFED/AIDVANTAGE-account numberXXXX
Product: Checking or savings account

I opened up a Chase Total Checking account online XX/XX/2021. Within 15 minutes of opening the account, it was locked for suspicious activity. I went to the branch the next day, brought my two forms of ID, sat down with a banker and was on the phone for about an hour. At first, the issue was because I used a XXXX and my geographical location was elsewhere compared to my home address. I work inXX/XX/XXXXso I secure my devices. That's fine, the account was unlocked after verifying and I was good to go. On XX/XX/XXXX, I opened up four savings accounts online to separate funds for budgeting purposes and had around {$5800.00} split between them. XX/XX/2021, my account gets locked out again. I called Fraud, they said I need to bring my social security card, drivers license, and proof of address. I went to the branch that same day to be in person, the banker called Fraud, and they said the same thing to the banker, I need those three forms of ID. I went back XX/XX/XXXX with THREE forms of proof of address, my drivers license, concealed license, social security, and PASSPORT, that wasn't sufficient enough. I was told then and there that the account was being closed, and they wouldn't provide a reason. I asked the banker if I could get my money and just go open an account at another bank ( since I was already tired of the situation ), they said I had to wait 10 business days for a check to then be mailed out. I was also told after that, I was allowed to open a new checking account there in the branch with two forms of ID. How does that make ANY sense? I went back to work but wanted to still find out WHY my accounts were being closed. I called Fraud again and the lady wouldn't tell me why it was being closed other then they needed to verify my ID. She then said everything I previously provided wasn't good enough and tried saying a notarized letter from my parents ( I live with them and they own the house ) saying I'm actually living there and am there child should suffice, as well as trying to give a bank statement from another bank. I called the branch again and said I would email a bank statement from XXXX XXXX XXXX. I did just that, they got on the phone with Fraud, and they allowed me to withdraw all of my funds but still wouldn't tell me any details. I want an answer as to why all of this occurred. I don't feel it's right to do all of this and give no reason at all. And was the credit card I had with Chase for several years now closed? A card I always paid in full every month?
Product: Credit reporting, credit repair services, or other personal consumer reports

Well I been trying to get these XXXX hard inquiries off my credit report I dont even know what half of them are
Product: Prepaid card

I've been have problems with my cash app card and account transactions that I did not do and no body to talk to on cash app to see what's going on with my account I can not get in contact with any body through cash app
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of 8 fraudulent student loan accounts on my credit report on XX/XX/2019 by a company called Navient. I called the company right away and made them aware of the fraud and they refused to listen to me or do anything about it. I asked them to send me proof that it was my debt and they would not. Instead they informed me that they turned the accounts over to a third party collection agency and that they would not discuss them with me and that I needed to call them. I immediately called this third party agency and told them that this debt was not mine and they continuously told me that it was. I began to even break out in tears and demanded how unfair this was and to take the items off of my report immediately. I asked them to send me proof that it was my debt and they said it would take 5-7 business days to get the documents to me via e-mail. After a week I called them back and this time I asked for the manager and him how concerned, upset, and unfair I felt about this debt being on my credit and them still not giving me any type of proof of it or having any urgency to do so. He assured me that he could expedite the process and that he could get me something in three days. After three days nothing came. I continued to call this company day in and day out and almost daily from XX/XX/XXXX to this current day asking them to give me proof of this debt and they still continue to give me the same line about how they are waiting to get the documents from Navient well into over two months now. There is one same lady that I have spoken with at least a dozen times in this time period that I have been calling them over and over and her name is XXXX XXXX and her number at the company is XXXX. She has nothing to say to me other than that she is waiting to get the documents and sorry to me each time I call.
Product: Debt collection

In attempt to obtain information about a collection on my credit report on XXXX XXXX, 2018, the collection agency was very rude and failed to provide me with any information on the account. All of their information in the system was incorrect and they failed to provide me with information on the original debtor. Augusta Collection Agency in XXXX, GA is the name of the agency. The supervisor made rude and obnoxious comments about not wanting to pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I've never heard from the place before, I suspected identity theft. Surprised there's a few derogatory items that I've never opened in my life. The things listed on my applications are not mine. XXXX XXXX, DEPTEDXXXX XXXX, XXXX XXXX AUTO, XXXX, ( Original Creditor : ). I have contacted the FTC and my local police and I am doing this all alone. Please remove these unknown items from my report : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, RXXXX 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 SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have about {$34000.00} in federal student loans with Nel Net and some payments are showing on my credit report as negative accounts. 
I placed my loans on forbearance due to economic hardship and while my loans were on a forbearance status, my student loan company reported my payments as late payments to the credit bureau from about XXXX XXXX XX/XX/XXXX. 
I placed my loans on forbearance in XX/XX/XXXX and I was asked to call back 6 months later to follow up with my account to continue to be eligible to for the forbearance program and to make sure i met the requirements. When I called back in XX/XX/XXXX, I was told by a Nel Net representative my loans were no longer on forbearance since XX/XX/XXXX and my account was showing in their system as past due and my account was in delinquent status. I told the representative it was an error and I did not authorize to terminate my forbearance status, the representative stated it was an error and my loans were going to be placed on forbearance once again. I called back Nelnet in XXXX and XX/XX/XXXX because my account was still showing as negative accounts in my credit report and I was reassured every time by the agent that my matter was going to get resolved because it was an error on behalf of NelNet and to allow some time for the matter to get solved. I called numerous times in XXXX to solve the matter and it was still not resolved. I spoke to a NelNet representative again in XX/XX/XXXX and she stated my loans should have never been taken off forbearance status and she was going to submit a dispute report to clear the negative payments that were showing in my credit report. Once the representative submit my request, the letter stated Ne Net did not commit an error in the reporting the late payments because NelNet stated I was not eligible for the forbearance program because my time on the program expired and I was not informed of the situation. NelNet stated they called me but I was not provided with a voicemail of the issue.
Product: Debt collection

A collection account is showing on my credit report from SECURITY CREDIT SERVICES. I have no knowledge of this company. I have never entered into a contract with this company. I disputed this account with the credit bureaus and has comeback on certain reports as verified as belonging to me. I have also requested written proof that I owe this debt. I requested via dispute, the name, address and phone number of the person that verified/validated this debt. To date, I have not received this proof. I am requested a signed contract showing that I have entered into some kind of agreement with SECURITY CREDIT SERVICES. I am in the process of trying to purchase a home and this collection is prohibiting me from that.
Product: Credit reporting or other personal consumer reports

As a consumer, I have rights that must be upheld, and it is my expectation that XXXX, XXXX and XXXX, as consumer reporting agencies, fulfill their legal responsibilities fairly, impartially, and with respect for my privacyas required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Section 602 ( a ).

Federal law makes it clear that financial institutions and credit reporting agencies have an ongoing duty to protect the privacy, security, and confidentiality of my nonpublic personal information ( 15 U.S.C. 6801 ). However, despite this legal obligation, my information has been shared and reported without my explicit consent. Under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish a credit report if the consumer has provided written instructions authorizing them to do sowhich I have not. 

Let me be clear : I do not consent to XXXX, XXXX, XXXX, or any furnisher of information to credit agencies to share or report my personal financial data in any formverbal, non-verbal, written, implied, or otherwise. I am revoking any perceived or assumed consent, effective immediately. 

Additionally, under 15 U.S.C. 6802 ( b ) ( c ), financial institutions are prohibited from disclosing my nonpublic personal information to third parties unless I have been given an option to opt-outan option I was never informed of. This is a clear violation of my privacy rights.

Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits credit reporting agencies from including adverse information older than seven years on a consumer reportyet, certain accounts that qualify as negative or adverse remain on my credit file, unlawfully impacting my credit standing.

Under 15 U.S.C. 1681s-2 ( A ) ( 1 ) ( A ), no furnisher of credit information should report data if they know, or have reasonable cause to believe, that the information is inaccurate. By allowing inaccurate, outdated, and unauthorized information to remain on my report, XXXX, XXXX and XXXX are in direct violation of federal law. Additionally, under 15 U.S.C. 1681e, consumer reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of credit reportsa duty that has not been fulfilled in my case.

Finally, 12 CFR 1016.7 grants me the right to opt out of having my information shared, and I am formally exercising that right now. 

I am demanding that XXXX, XXXX and XXXX immediately remove all unauthorized, inaccurate, and outdated information from my credit report. Failure to do so will result in formal complaints being filed with the appropriate regulatory agencies, including the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the U.S. Department of Justice.

This is my financial reputation, my privacy, and my legal right to protectionand I intend to see it fully upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/17 I sent letters to equifax, XXXX  and XXXX  requesting that fraudulant information be removed and corrected on my credit report. None of these companies have responded to my demands.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX 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 XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

XXXX/Milestone XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX I have no knowledge of this inquiry
Product: Credit reporting or other personal consumer reports

I have a unauthorized inquiries on my credit report with equifax Ive sent dispute letters Ive called now Im submitting my ftc complaint attached below
Product: Debt collection

I paid off the debt in a settlement with the company, Bay Are Credit Service, formerly with XXXX XXXX XXXX. It was for two ambulance bills totaling {$400.00}. I called them to settle and we paid I believe {$220.00}. I cant search for the paperwork right now because my husband just died in XXXX and I have had XXXX for three months. It was off of our credit report for a long time and last year started showing up on our report again. I started protesting it through XXXX and XXXX last year and I keep getting back that the debt collector states it is a valid debt. I havent called the company because I know that if I call them it will be on my credit report longer. It is harming my credit. To have this on there and I definitely cant afford to pay it off. I am so frustrated that they arent doing what they are supposed to do and live up to their end of the bargain as I did.
Product: Credit card or prepaid card

A balance transfer I initiated was cancelled without notice and the company was unable to provide me any details ( twice! ) on why it was cancelled besides that it was cancelled. Furthermore, I did not receive any notice electronically or even a voicemail regarding this issue and now have a pending authorization on a transaction that is listed as cancelled -- preventing me from actively using the card again for this purpose.
Product: Debt collection

Credence Resource Management , LLC is trying to collect a debt on XXXX 's behalf for equipment that was returned years ago. Credence info : Credence Resource Management , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They are trying to collect money for XXXX equipment that was returned to XXXX. I don't have dates or receipts because it was years ago, why would I? The amount is for {$140.00}. I have talked to XXXX multiple times about this and they keep saying I need to prove I returned the equipment, but how can I possibly do that? I dropped it off at XXXX years ago and they packaged it up and sent it to XXXX. I have heard of XXXX doing this to other customers and have it had it happen to friends. This is no different than ransom ware. Demanding payment for something that happened years ago or they will send you to collections? Pay us or we'll ruin your credit score? This practice should be illegal.
Product: Mortgage

Covid created a 75 % loss to my business. We had a 2nd mortgage through " Security Service Federal Credit Union ''. On XX/XX/XXXX we received a forbearance. That ended on XX/XX/XXXX. According to the NCUA ( National Credit Union Administration ) after the forbearance period, I should have be allowed ( since I had never missed a payment ) to have a deferral, since I can now make the regular payment. This deferral was to allow me to place the missed payment at the end of the loan and subordinate lien. Instead, XXXX asked to numerous items. I promptly gave them all the documentation they had asked for and time after time XXXX stated I had failed to provide the supporting documentation. This is a blatant lie and it went on for 11 months. According to the law, it should have been completed in 30 days or less. In addition, they were trying to do a loan modification which is not practical for me. Last week, I received a phone call stating they had rejected the loan modification and that all of my CARES ACT missed payments are no due and they will start foreclosure process. This 2nd mortgage was for only {$16000.00} and I have equity of over {$600000.00}. It is obvious the they are violated the CARES ACT and the NCUA guidelines. They have been charging interest the entire time too.
Product: Credit card

JPMCB has added and removed the same fraudulent {$6500.00} debt to my credit file about XXXX times in the past two months. They will remove it and then add it back every other day. I have already submitted my police report multiple times showing that all my information was stolen.