23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was awarded future Mortgage payment for next 12 months from DEO HAF program. 

Received award letter on XXXX, XXXX. 

XX/XX/XXXX uploaded my HAF Award letter to Rocket Mortgage portal. 

XX/XX/XXXX, XXXX and XX/XX/XXXX - I called and asked them status of payments from HAF program! Which they sent out XXXX XXXX. 

Rocket Mortgage Represantatives keep telling me there are NO payments from HAF program untill today! They asking me about date and check numbers from HAF sent to them?, ( I dont have any specific answers Rocket Mortgage requisting from me since HAF couldnt provide any information ). Also keep telling me to call DEO HAF about the check number and date they sent?! 

I was told Rocket Mortgage about exactly HAF told me which were They sent out the checks on XXXX XXXX. 
Its been 12 days since HAF sent funds to Rocket Mortgage but Rocket Mortgage has NO Answers, No funds, No answers for me. Its been very frustrating that No one has any answers for my fund. 
DEO Haf told me that Checks sent out XXXX, But Rocket Mortgage claiming they have not received any funds.
Product: Debt collection

I ordered a I phone on XX/XX/XXXX from XXXX. I had it sent to my niece, XXXX house. She received a 3oz package and not the XXXX! She contacted the XXXX, XXXX  Post Office asking where the XXXX was! What was sent was a 3oz package in it was a pen not my XXXX XXXX. My niece sent it back. She contacted the post office talked to XXXX, the Post master and XXXX told her it was a 3oz package that was sent and to contact the merchant on XXXX XXXX. ( I included a copy of the voicemail from Post office ). When I told XXXX they said to contact my bank Navy Federal Credit Union.The merchant cant be found.I contacted Navy Federal Credit Union. I told them I was scammed and never received the XXXX XXXX I ordered. I demanded Navy Federal give my {$750.00} debt back but they wouldnt they said the package was delivered. What was delivered was not what I ordered and they should give my money back! I shouldnt be charged for something I never ordered or recieved its merchant abuse! Im XXXX  and was taken advantage of by XXXX and my bank!
Product: Credit reporting or other personal consumer reports

for the last XXXX years I have been trying to get things removed no one is really looking at my report I how can XXXX credit reporting company saying my debt is positive but others saying the same debt is negative how can an account be reporting negative but no balance due and pay as agreed. I have another account I paid the company in order to close the account and I don't owe this business anything and it's still being reported as a bad debt no one has ever followed up I have a collection when I asked for information from the original creditor, they failed to send that to me, and the signature did not look like mine
Product: Credit reporting or other personal consumer reports

I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Product: Debt collection

XXXX XXXX of MRSBPO on multiple occasions has been rude and disrespectful. He has asked me where my funds were coming from which I did not feel the need to disclose to him and he became rude. On XX/XX/year> I called to make payment arrangements being that Im still in school I thought I would qualify for deferment. He became hostile. I asked him for the original loan creditor information to contact them and he did not tell me instead put me on a long hold said that they would be perusing my guarantor for the payment. When I told him I would get her to call back with me he proceeded to be nasty and say you do that and tell her to have her checkbook open. It was unnecessary rudeness. I understand my faults in the situation but he was very disrespectful.
Product: Debt collection

The company identifies itself as lien enforcement inc phone #  XXXX  They say I need to call them message in english and  XXXX  they call everyday buy i do not answer
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

XXXXXXXX XXXX : Account number XXXX Credit Account XXXX XXXX XXXX Account number XXXX Credit Account XXXX XXXX : Account number XXXX Credit Account XXXX XXXX XXXX : XXXX Credit Account XXXX XXXX XXXX XXXX XXXX XXXX  : Account number XXXX Credit Account Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Attached are the following : * NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information. 

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX $ XXXX 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, not later than XXXX business days after the date of receipt. 
It has been XXXX  days and you are in XXXX of this law because I am a victim of identity theft!!
Product: Debt collection

Its not my debt I have been a victim of Identity theft, who ever it is has even tried filing taxes in my name and IRS confirmed and vindicated it was not me this has been going on since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ERRORS ARE REPORTING ON MY CREDIT REPORT
Product: Debt collection

I am writing to dispute a debt collection account that is appearing on my credit report. Under the Federal Fair Credit Reporting Act ( FCRA ), it is required that all information on a credit report be accurate, complete, and verifiable. However, the debt collection account in question has not been verified, and I believe that it is inaccurate and incomplete. 

According to the FCRA, debt collections can only remain on my credit report for up to 7 years from the date of the original delinquency. In this case, the debt collection is beyond the allowed time frame and should be removed from my credit report immediately. 

I request that you investigate and remove this account from my credit report as soon as possible, in accordance with the FCRA. Additionally, I request that you provide me with an updated copy of my credit report once this error has been corrected. 

Thank you for your attentiontothismatter.
Product: Vehicle loan or lease

Us auto sales went out of business I didnt know they transferred my loan to Westlake Portfolio management and they refuse to furnish my original contract and payment details. They also have started charging me late fees when I have never been through that with my original people us auto sales. Im also behind on my payment and they are constantly harassing me
Product: Mortgage

I requested a recast of my loan and a refund of my mortgage premium since I have paid down more than 20 % of my mortgage. I contacted Fha counselor and was told that " You ( I ) must meet/have met minimum principal reduction standards ''. If this is done Rocket Mortgage has a duty to recast. I was refused that right to have a recast. Fha referred me to this agency for remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$350.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$3800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

THE FOLLOWING COMPANIES ARE REPORTING INACURATE INFORMATION ON MY CREDIT REPORT SHOWING A DELIQUENT ON XX/XX/year> BUT SHOWING LAST PAYMENT BEING MADE ON XX/XX/year> THIS IS INCORRECT REPORTING AND NEEDS TO BE CORRECTED ASAP. 

1. BESTBUY 2.MACYS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX THIS ACCOUNT SHOULD BE CLOSED BUT IT STILL OPEN
Product: Credit reporting or other personal consumer reports

I don't have any Public records on my credit report, This is unacceptable, I'm Begging you to remove these on my credit report, this is not funny and It's literally hits me to XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
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 XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX {$420.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I applied for XXXX loan forgiveness two years ago and was denied. I was upset and let it be for awhile. This summer ( two years later ) I looked back into XXXX loan forgiveness and called the loan provider. We figured out that I was denied because of a misspelling of my schools name on the XXXX XXXX. My loan provider told me to reapply with the misspelled name and about a month later I was granted XXXX loan forgiveness! So I, myself, did indeed meet the criteria to have my loans forgiven two years ago. I have been trying to get reimbursed for the two years I was wrongfully paying. The loan provider did a ombudsmen report and says they will not reimburse me.
Product: Credit card

Unauthorized charges were made in XXXX when I did not even travel there. Contacted Chase and they will not remove the charges. Chase did not even notify me about suspicious charges. I found them on my own. One charge made to XXXX XXXX for {$710.00} and another made to XXXX XXXX XXXX for {$1100.00}. I have never even heard or know what the latter company is. 

Company is forcing me to pay these charges even though I did not make them. It is fairly obvious these charges are bogus and my statement says the money is due, even though they claim they reversed the charges. 

The card number Im giving you has been cancelled. I have not activated the new card. I am waiting to see if and how this is resolved.
Product: Prepaid card

I purchased a Vanilla Gift Card for {$470.00}. From XXXX on XX/XX/XXXX and the card was missing most of the card number and the strip was damaged so I could not use it. I finally was able to reach a live person on XX/XX/XXXX who said to email copy of receipt, photo of drivers license, and photo of card. I was told takes up to 30 days to get new card. So I called XX/XX/XXXX since no card came. I was told it was sent on XXXX so I should get it. Nothing. I called every week after that. Then I was told to speak to lost card department and they said on XX/XX/XXXX to email the same info I sent on XXXX XXXX Then I waited nothing. Called on XX/XX/XXXX and they said to email photos again. Now its XXXX XXXX and still nothing.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; DEPT OF ED / XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX Balance : {$510.00} ; XXXX XXXXXXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX CAR XXXX XXXX XXXX {$130.00} ; XXXX  XXXX XXXX Balance : {$970.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00} ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX, XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just looking over my credit report and found some inaccuracies that I am demanding you correct.The creditor has agreed to delete this account. Please contact the furnisher and they will confirm this. Then remove this account from my credit report.
Product: Credit card

I 've been disputing an account for quite some time low about inaccuration information on my credit report. Showing on my credit report from XXXX XXXX Bank was this account closed on XXXX. However, LNVN Funding who which this collection was sold to is providing inaccurate amounts due. XXXX bank is supposed to be closed with an amount of the credit limit due of {$300.00} or less. I 'm being charged an amount of {$580.00} for no apparent reason or even documentation given the fact.
Product: Credit card or prepaid card

I have been having a problem with a dispute I made with Paypal Credit ( Synchrony Bank ). I submitted a dispute for a charge that was defective on XXXX for a merchant, XXXX. I advised that my purchase was defective and I had contacted the merchant on a couple of occasions for a refund or replacement, as there is a warranty on the purchase. I have not received any response. PayPal service associate, XXXX, advised me I would get something in the mail in 7-10 days regarding my dispute to sign and return. I never received anything. I had called them back and was advised that I would get some kind of contact regarding the dispute. I called a couple of times to follow-up because there was radio silence on their part. The next contact I received was a letter on XXXX stating I had to contact the merchant! 

The merchant is overseas, which I advised them. Furthermore, I had sent the merchant e-mails on XXXX and XXXX regarding my request for credit or replacement to no avail. Thats when I reached out to PayPal Credit for assistance. They seem to be very useless and didnt ask for anything from. When I received their letter, they advised me that I needed to contact the merchant. Well. did you not listen to anything I said on the calls I made? I talked to XXXX, a manager on XXXX regarding the letter. He advised me that I can submit it again, but he initially told me that the decision on the letter I received was likely final. So am I to spin my wheels again and wait out the time just to get another letter stating, You have to contact the merchant. I thought my credit bank was an advocate for me? PayPal Credit i.e. Synchrony Bank is not living up to its values. Its doing the reverse. Here is what I believe their values mean BEING HONEST- Just dont waste your time, its denied BEING RESPONSIBLE- Let customers take care of their own problems, we are not here to reduce customer effort PASSION- We are here to fuel only our profits CARING- Show zero empathy and compassion to our customers DRIVEN- Drive away customers with our bootleg service BOLD-We strive to not be a differentiator among our industry peers.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

Due to XXXX  and my XXXX  illness, my membership with XXXX XXXX was frozen until XX/XX/2021 and the finance company, XXXX XXXX XXXX, XXXX, seeking to collect payment is the entity that confirmed via email on XX/XX/2021 that the membership was frozen and no money due or to be collected until it becomes re-activated. Emails annexed. 

Nonetheless, i continue to receive robo-phone calls at least 2-3 times per week. I have tried to call them, to no avail. I have sent emails, with the email confirmation. No success. They are threatening legal action and to ruin my credit history, which is currently excellent. 

This is not the first time that they did this. They were trying to collect membership dues while the club was mandated closed by NYS. See, letter attached. In order to keep peace, I paid them nonetheless. I paid them for XXXX through XXXX, even though the club did not open for the entire month and no way to give them 30 days notice. 

In addition, they wanted XXXX XXXX, XXXX and XXXX, although I had already spoken to the club and given them a note from my doctor. 

I have additional emails, letters and documents that can be forwarded. I was not able to attach any additional documents.
Product: Credit card or prepaid card

On XX/XX/23, I purchased several Blackhawk Network ( BHN XXXX XXXX XXXX XXXX  gift cards to use to purchase goods and services in stores. Since that date, I have been unable to use the cards because every time I use the card for the full value, the card gets declined.

It appears that BHN is imposing some sort of arbitrary limit on using the full value of the cards, paritcularly when ran as debit. i.e., if I use a card to run a transaction for {$480.00}, it seems to go through. However, if I run a transaction for the full {$500.00}, it declines. 

This situation has happened at multiple stores, including in-person and online. This situation has also happened to other individuals across the country, so it seems to be pervasive. 

I have previously purchased similar cards with no issues, even as recently as XX/XX/23. I commonly purchase these cards and am very familiar with their functionality. 

I am concerned that the actions taken by BHN to modify usage of these cards is against the terms of the card, is unethical, and is illegal. 

The total of all of the cards which I currently have is {$4000.00}, XXXX {$500.00} XXXX gift cards. 

On XX/XX/23, I spoke with XXXX ( front line ) and XXXX ( supervisor ) at the BHN XXXX customer service department. Both parties identified that there isn't, and should not be, any limitation on the usage of cards. 

BHN case # XXXX
Product: Debt collection

I have attempted to contact CONVERGENT OUTSOURCING on numerous occasions, asking that they provide validation that this debt is owed by me. The company has not responded to any of my letters and have not been able to provide validation that the debt is rightfully mine. 

However, every week or so, they go in and flag the collection to the credit bureaus. They are clearly operating unethically.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. 
Payment history and the late payments associated with payment history negatively impact my consumer report and are considered part of my transactions and experiences between your company and me. 

Please fix the following accounts : XXXX XXXX Balance : {$7.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.