23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I spoke with a mortgage banker with Rocket Mortgage/Quicken Loans regarding the purchase agreement I had on a new home. Per his request, I provided address and seller concession 's information, which included a {$3000.00} credit to be provided by the seller at closing to use towards the purchase of a fence. I also provided the actual signed purchase agreement to him via email that day. THIRTY days later, I received a task advising me that I need to provide them with an updated addendum removing the {$3000.00} credit for the fence. When I asked, I was advised that Quicken Loans policy only allows funds at closing to be used towards closing costs or prepaids. This information was not provided to me by the mortgage banker during our text conversation on XX/XX/XXXX, or at any other point in the process until XX/XX/XXXX when a task was provided with no context or information. This information should have been disclosed to me prior to me agreeing to move forward with this company - had I known, I wouldn't have agreed to move my application past the preapproval stage. I have asked Rocket Mortgage/Quicken Loans to correct THEIR mistake - as Underwriting had the purchase agreement for 30 days, as well as received updates to the purchase agreement TWICE before they realized there was something against their policy included. At this point, it is too late for me to use a different mortgage company, as my closing is scheduled within 30 days. RM/QL is telling me that they will not grant an exception when they are the ones that have caused the issue. I have also discovered that I was not provided all options regarding Rate Locking. The lack of information and disclosures provided to me, which has caused me to not have all information needed to make an informed decision is a clear Fair Lending and UDAAP violation. 

RM/QL escalated me, and my escalated contact - XXXX - can not even explain to me what they are attempting to do other than tell me they won't grant an exception and they are working with some people I've never even heard of to try and work it out and advised my processor - who hasn't responded to any questions sent today, XX/XX/XXXX, and who hasn't been able to answer any question I've posed before now, will be able to contact me and explain what is being worked on to figure this out. But he did state that they are unwilling to grant an exception and fix the issue, and so because of lack of information provided to me up front I am going to experience financial harm because they feel the need to be greedy and only allow seller credits that directly pad their own pockets.
Product: Student loan

I am applying for public service loan forgiveness. I consolidated my loans in XX/XX/2022. 

My pslf counts were finally updated in XX/XX/2022. I was missing counts from XXXX and XXXX. When I adressed it with Mohela, they said those times didnt count because I was in Inschool Deferment. I argued that i should of been in deferment and that I was given no other option ( i was in medical residency which should of counted ). They said they would submit a request for recount to FSA in XXXX. I have called mohela without any confirmation that a request has been sent. I sent a complaint to FSA in XXXX without a response. I contacted the FSA ombudsman in XXXX who told me to just wait. It is closing a year without a proper count. I called Mohela and they said my only complaint process is through FSA or a congressman. I am looking for resolution to my counts and the deferment issues from XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX5 U.S. Code $ 1681c-2 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 allege identity theft, not later that 4 business days after the date of receipt. it has been 30 days and your are in violation of this law because i am a victim of identity theft!!!! please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion to the accounts listed IMMEDIATELY!!!!
Product: Mortgage

This is a follow up complaint subsequent and in direct relation to the previous complaints filed against Shellpoint and Caliber Home Loans. ( Please review those complaints as they are tied to the second and erroneous XXXX forebearance agreement that Shellpoint completed in XXXX ( which I did not request ). I have a COVID forebearance agreement signed with XXXX and myself in XX/XX/XXXX. I HAVE NO IDEA why Shellpoint would issue a new and different agreement i that I did not sign or request ( XX/XX/XXXX ). No one called to ask me about a new forebearance agreement or mention in writing in advance or at any time to me that Shellpoint was deciding to create an entirely new XXXX foreberance agreement, separate from the one I have in place with XXXX. In addition, Shellpoint has charged me a {$15.00} 'Property Inspection Disbursement Fee ' on XX/XX/XXXX that I have no idea what it is for as no one has inspected my property and I did not request an inspection. That fee is now showing up as a late fee on my past 2 ( XXXX and XXXX ) mortgage statements. Shellpoint needs to remove this fee along with any associated late charges. Doing the agreement and adding false charges seems is entirely illegal and I'm sure goes against all kinds of banking/mortgage laws to enact/charge these without my knowledge, agreement or notification. ( Note : the online account/monthly mortgage due amount does NOT reflect the {$15.00} fee due for my next mortage payment. However, printed statements and e-statements DO reflect that incorrect {$15.00} fee due, so even the information that Shellpoint provides is not accurate. )
Product: Credit reporting or other personal consumer reports

I had inquiries and late payment notices when I havent had any recent late payments
Product: Credit card or prepaid card

I was reviewing my credit card activities and noticed that I was being charged two different amounts for finance charges. I called the company to see why I am was being charged two different fees. I would not have noticed if I did not go into my account and look at my activities on my account. My statement shows one amount and I would never knew about this if I did not log into my account.

Is it legal for the company to charge two different finance charges on one credit card? 

I would like an audit of my account and this dispute resolved.
Product: Debt collection

I contacted this agency on XX/XX/2021 by the name of Summit Financial. They redirected me to another company on XXXX XXXX 2021 called XXXX XXXX, which states they are a lawyer and agent for the Federal government. This Company called Summit Financial is no longer operable. They closed down their business and are not in service. They are not allowed to operate and they have no way of contacting anyone. They had a recording stating they were going to arrest me if i did not pay the amount they are seeking. Neither company refused to give me details of either information including account information and amounts owed. They were very threatening in their tone and language. Summit Financial is reporting negative history on my credit report illegally without any information to provide. 

Summit Financial is one company// phone number : XXXX XXXX XXXX is another company// phone number : XXXX
Product: Credit card

Ordered a perfume from merchant maxaroma. Order number XXXX Item was never received even though it was marked as delivered but no delivery pic was provided. Item was NOT signed for according to tracking info. 

I purchased shipping insurance from merchant and they still denied refund or replacement. 

Filed dispute with Apple Card and after 3 months they sided with merchant with no further information
Product: Debt collection

I became aware when I checked my credit report that this debt collector under the name of NATIONAL CREDIT SYSTEM , INC has reported incorrect information that I owe the amount {$4100.00}, I have sent a notice of state and federal validation of debt.
Product: Checking or savings account

I used PNC 's online bill pay to pay a credit card bill. Because of the amount of the payment PNC chose to mail a physical check instead of using ACH which is safe, secure, and highly dependable. My credit card company never received the payment and I was charged a {$30.00} late fee and interest of {$460.00}. Had PNC used ACH as they normally do I would not have been changed these fees. Additionally I am now at risk in having a negative entry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I've been a victim of Identity theft for years and I am devastated. I have lupus so it force me to stop working early and try to do everything to keep living. As far keeping physically heath in order, eating better and try to get plenty of rest. So I completely took my focus on my credit report. Now I'm getting a little better but still suffering from XXXX  I am focusing on trying to by a Home for me and my grand kids. I look at my credit was very upset I even cried to see so many fraudulent activities on my report. I contacted the all the creditors about the issue. Happily told me all accounts on my report are closed but I had to make FTC report and contact the bureaus so I am here. Praying that someone can help me remove all these false items on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and have excellent credit history XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. 

I tried to PURCHASE a CD with CASH from Synchrony Bank and was turned down because of a report from XXXX. 
HOW CAN a company like XXXX  have this much power??? HOW CAN ANY entity claim that I owe them money and cause me the hardship and TIME LOST in getting this corrected?
Product: Checking or savings account

A checking account was open in my name on XXXX XXXX that I didnt authorize or do myself. I was made aware of this business being conducted in my name today XXXX XXXX XXXX ) only by receiving a bank statement via postal mail. This account statement had my full name and address. I later find out that my SSN and XXXX were used as well. I would like for this XXXX XXXX to be audited and held to the same standards/practices other financial institutions are abiding by. I would also like to be contacted and explained why the fact that a background check or proof of identity was not properly researched before moving forward with an individual opening an account. Over a month goes by and youre telling me no XXXX verified identity with new accounts that are being opened.? We should be doing better by each other and helping to keep individuals identity safe. Thats the role every financial institution has and should continue to have.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX  XXXX Balance : {$420.00}
Product: Vehicle loan or lease

On XX/XX/2017 XXXX XXXX added {$4.00} to my Monthly lease payment without my Knowledge, when I called them on XX/XX/XXXX when I noticed a late charge of {$9.00} on my Monthly recurring Bill payment. 

XXXX XXXX Representative told me that was sales Tax added by the State and I needed to contact the state but {$4.00} will be added to my bill increasing it to {$510.00} per month verses {$510.00} which was the contracted Lease Agreement. 

This is a breach of contract and I do not feel that this sales Tax increase should be passed onto the consumer, I have never seen a car lease change on a contracted agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Report # XXXX has spelling of name as XXXX XXXX. This is incorrect. Spelling of name on Birth Certificate, Social Security Identification card, Drivers License is correctly spelled as XXXX XXXX XXXX XXXX. Use of XXXX XXXX is fraudulent representation of identity and needs to be corrected.
Product: Credit reporting or other personal consumer reports

during the XXXX Data breach my personal information was leek and I have unauthorized accounts and inquiries on my credit report Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquires : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Our all unauthorized accounts an inquiries the need to be removed immediately!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

These are unauthorized inquiries. It annoys me and gives me a lot of stress whenever I see them on my report. This causes me a lot of stress.
Product: Debt collection

I held an account with Truist for over a year prior to my enlistment in the XXXX and stopped using the account in XX/XX/XXXX without realizing there were still several autopayments being charged to it. I paid off the amount and attempted to stop payments and close the account around XX/XX/XXXX, both had been clearly ineffective as I continued to accrue a negative balance. I made numerous attempts to contact the company but would be immediately hung up on rather than connected to an agent. I paid the account off and froze my card. I continued to call them and finally got through to an agent to close my account around XX/XX/XXXX. I have an XXXX XXXX of {$170.00} on XX/XX/XXXX in my XXXX XXXX account to my Truist account to pay off my debt. I have since received 3 debt collection letters for the amount of {$160.00}, with the last two being sent on XX/XX/XXXX and XX/XX/XXXX. After the first letter, which I can not recall when I received, I called the company several times until I got back to an agent who confirmed for me that the debt was settled and that I could ignore the letter. I can verify the account is closed by my inability to access the account, and their phone system being unable to verify the account number when the number is spoken or typed into the phone.
Product: Money transfer, virtual currency, or money service

zelle user under the email XXXX named XXXX frauds users seeking to purchase sneakers off XXXX XXXX XXXX XXXX They blocked me all while using fake references and pictures of inventory. Never purchase goods from XXXX using zelle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently paid XXXX XXXX to help remove negative items off my report I received emails that these items were challenged on these dates XXXX XXXX XXXX XXXX on XX/XX/2018 Experian & XXXX on XX/XX/2018 XXXX XXXX XXXX Experian on XX/XX/2018 XXXX XXXX XXXX XXXX  on XX/XX/2018 I called all three Credit bureaus to make sure these items were being disputed by XXXX Law all three credit bureaus told me that none of these items were being disputed by XXXX Law and that have not received anything from XXXX XXXX. XXXX XXXX has a good relationship with all the credit bureaus to where when they dispute negative items it goes directly electronically to the Credit Bureaus. 
Below I have attached emails from XXXX XXXX that these items were challenged and a screenshot of my account showing negative items that has been intervene ( challenged ) with the credit bureaus by XXXX XXXX. Its underlined in yellow.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are all fraud accounts that were open without my permission. 
I spoke with XXXX Equifax and XXXX. But they refuse to remove these accounts out of my name. They keep giving me the run around.I sent a fraud affidavit and they are not removing these accounts.
Product: Debt collection

After reading and understanding my federal rights as a consumer, I noticed fraudulent activity happening within the retail installment contract. The FDCPA intends to secure consumer right to privacy, and my privacy has been breached. There is abundant evident evidence that proves Ally financial has been participating in abusive, deceptive, and unfair debt collection practices. After stating claim and disputing the fraudulent activity, Ally financial is still attempting to collect a debt that is not owed. As a Consumer, original creditor, and natural person within the Truth and Lending section of the retail installment sale contract. The holder of the contract is subject to all claims and defense. Pursuant to 15 U.S. Code 45. Im reporting this activity to CFPB because my rights have been violated. Pursuant to 15 U.S. Code 1692k, Ally Financial willfully failed to comply with the requirement under the provision of 15 USC 1692 ; therefore, Ally Financial is civilly liable for causing me mental anguish. I have attached all supporting documents along with my Affidavit of Truth
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened on XX/XX/XXXX  Has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 or other personal consumer reports

I submitted an online dispute with Experian regarding XXXX XXXX XXXXthat starts with XXXX on XX/XX/year> because the account is still incorrect. I already asked for a debt validation letter which I didn't get either. Instead of getting that, I received correspondence that the item was updated. Then I redisputed it with the following on XX/XX/year> : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Within minutes I received the attached email saying the item was updated and would remain on my report. There was no investigation done at all.
Product: Credit card or prepaid card

I would like to connect my PNC debit account to XXXX and it no longer allows for the interoperability for consumers to do so, likely as a move for PNC to reduce competition. I would like to link my account to XXXX. Please voice this concern of PNC customers to the company. Thank you.
Product: Credit reporting or other personal consumer reports

Please be advised this is my WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. all 3 account 1 ) US BKPT CT XXXX XXXX XXXX  XXXX ) US BKPT CT XXXX XXXX Report # XXXX Despite written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA LAW 15 USC 1681A2B.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My chime account was hacked and the company allowed a person to use AI face swap technology to access my account and change the email, passwords and phone numbers on my account. They stole all my savings over {$8000.00} and when I submitted a claim to chime they kept denying my claim even after I submitted all the documentation they requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

On both the XXXX  and Transunion Credit Reports there is a duplicate in the derogatory marks area. There is a {$910.00} debt to XXXX XXXX XXXX XXXX that is listed twice. I want the duplicate entry deleted. That would leave 4 derogatory accounts. However, when I tried to file a dispute with XXXX online I was unable to submit the complaint. First they ask for a 10 digit confirmation number that they never gave me. Then I tried to file the complaint and the website would not accept it. Same thing with Transunion. They do not allow people to file disputes.