23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Error in Reporting for Loan # XXXX for XXXX XXXX and XXXX XXXX XXXX We found an error in the credit reporting on our mortgage and submitted a dispute via XXXX and XXXX. We uploaded appropriate documents to their websites, but then someone at Rocket Mortgage responded to their inquiries that the information being reported to the bureaus was accurate. It is not. 

I then sent an email to your Rocket Mortgage 's Servicing Help email address, and received a prompt email response. The case was escalated to the Servicing Help department, and an agent called me back on XX/XX/XXXX. Im a bit confused why an agent called, as he basically said that he understood there was an inaccuracy that was negatively impacting us, but then said I cant do anything about whats being reported to the Credit Bureau. I am hopeful that you can correct this error/inconsistency in reporting. 

We original mortgage was opened on XX/XX/XXXX, with an opening balance of {$200000.00}. 

We modified this mortgage, due to the pandemic, effective XX/XX/XXXX, with a balance of {$190000.00}. 

Rocket Mortgage is reporting this mortgage to the credit bureaus with an opening date of XX/XX/XXXX, and with an opening balance of {$190000.00}. 

Obviously, Rocket Mortgage is reporting the original opening date with the modified opening balance. This is NOT accurate... and that is a problem because the FICO algorithm includes a scoring that compares the opening date and opening amount to the amount that has been paid off. With Rocket 's current reporting of the earlier opening date and the later opening balance, the algorithm results in a score that implies it took us ten years to make one year 's worth of payments. This reporting is negatively impacting our credit scores due to the inconsistency. Either Rocket needs to report the original date and the original balance TOGETHER, or they need to report the modification date and the modified balance TOGETHER... but not this mix and match. 

Could you please intervene and ask Rocket Mortgage to correct the records that are being reported to the credit bureaus to reflect the accurate information? The information needs to be corrected in the reporting for both XXXX XXXX XXXX and XXXX XXXX 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 XXXXXXXX 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: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were charged despite sufficient funds being available at the time the transactions were authorized. However, due to delays in the posting of charges and credits, the transactions subsequently settled with insufficient balances, resulting in the fees. 

This issue appears consistent with recent findings by the CFPB against Navy Federal Credit Union, highlighting similar practices where fees were imposed under these circumstances. I believe such practices are unfair and request a thorough investigation into the transactions and fees on my account. 

Thank you for addressing this matter promptly. I look forward to your response.
Product: Payday loan, title loan, or personal loan

I sent a certified letter to both tower loan central and to their corporate office in Mississippi about the constant harassment I have received from Tower Loan Central. The letter has made no difference they are still constantly harassing me calling my phone. calling my relative and friends phone, and showing up at my house everything that I had asked them not to do in the letter. This is not my first complaint on this company. This time is however the worse because even when I told a representative that she is not supposed to be contacting me by phone and can only contact me by mail she got aggressive in her tone with me and continued to ignore my request for me to not be contacted by phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023 and some got deleted there are still a lot of fraudulent items reporting. I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Product: Credit reporting

I ran my credit report earlier this year and found that TransUnion was listing multiple incorrect addresses associated with my name. On XXXX/XXXX/15, I wrote them asking for XXXX to be removed. ( The other incorrect addresses they listed were obvious typos & duplicates and, given the TransUnion incompetence that demonstrated, I thought I 'd keep it simple for them. ) While they removed XXXX of the incorrect addresses, they left the XXXX. On XXXX/XXXX/15, I again wrote requesting they removed this third incorrect address. Instead of removing the address, they sent me another copy of my credit report. ( It 's a good thing I did n't ask them to correct the stale phone numbers and employment data they have listed. )
Product: Mortgage

I have had my mortgage since XXXX, and in - or around - XX/XX/XXXX my mortgage was sold to Carrington Mortgage. I had applied to do a loan modification with XXXX prior to them selling the mortgage to Carrington. However, Carrington did in fact complete the remodification after they obtained my loan. Ever since my mortgage has been sold to Carrington, I have been having issues every month when making my payment. Their website always gave me trouble with logging in to make the payment, so I call in to process them over the phone every month. I make sure that I call in the payments at least a couple of days before the first of the month to avoid any complications with it being late. Each and every time I call, the representatives tell me that I have a payment missing from the previous month. Because of that, I always ask for the representative 's names, and I get the confirmation number that the payment had been made. Every time I call, and they begin stating that a payment is missing, I provide the confirmation number from the previous month. Once I state that, they continue on and process my payment, but never do they confirm that the month they stated was missing was in fact received. On XX/XX/XXXX I called to make my XX/XX/XXXX payment, and again, they told me that I did n't make a XXXX payment. Which I had, on XX/XX/XXXX for XX/XX/XXXX. I provided the confirmation nuber again. It seems odd that this is a normal occurrence every single month when I call to make my payment. I then faxed a letter to their customer relations department to have them look into why this happens every month, and I received a letter that advised that I had a missing payment and late fees/charges on my account and they were going to review my loan. I have never been late on my payments, and I have never missed a payment. I 'm concerned that there is something more going on than simple incompetence at this point. Once or twice of this happening could be understandable when they first received my loan, but this has been going on for close to two years now where every single month it 's the same story. I have attached every document that you may need in order to review this for me if possible. I have attached my bank statements, however, for the month of XXXX I was still with XXXX so it would only allow me to show the Activity Details for that payment but you will see it is the same amount as the first few payments to Carrington starting in XXXX. Some months XXXX payments show on the statement. One in the beginning of the month ( for the current month ) and one at the end of the month ( for the following month ). I have attached the letter from Carrington with the review of my account, which they provided what they said is my payment history which does n't make sense either, and I have attached my handwritten documentation of when I had made each payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid in full in XX/XX/2018 and the company keep reporting negative information and outstanding balance been owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. These accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need these corrected at once. This is your final chance to resolve the inaccuracies on the items : XXXX BANK XXXX Date Opened XX/XX/XXXX Balance {>= $1,000,000} Late/Open Late Date XXXX, XXXX BANK XXXX Date XXXX Balance : $ XXXX Late Date XX/XX/XXXX, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} Late/Closed Late Dates XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To : Experian, XXXX XXXX and XXXX From : XXXX XXXX Re : all my XXXX disputed accounts with XXXX XXXX ( XXXX  ) to reflect my {$0.00} balance without any negative permissible data due to my prevailing party status in litigation forever extinguishing all XXXX  disputed balances XX/XX/XXXX I write to dispute every XXXX of my XXXX credit accounts with XXXX  as XXXX  continues to report inaccurate balances and derogatory late, past due and other negative inaccurate data. My credit reports must report a {$0.00} balance without any derogatory data of any kind. I therefore dispute the balances on my credit reports which must be {$0.00}. 

Starting in XX/XX/XXXX, I filed XXXX arbitration cases with the XXXX XXXX XXXX as lawsuits were not permissible under the arbitration clauses. Subsequently, I filed XXXX more arbitration cases in XXXX with each of the XXXX cases describing statutory and punitive damages exceeding {>= $1,000,000} for FCRA, FDCPA and other statute violations. XXXX filed counterclaims against me for the amounts of its disputed balances in each of the cases. However, XXXX Voluntarily dismissed the counterclaims and filed multiple lawsuits against me in state courts on XX/XX/XXXX and XX/XX/XXXX for identical claims contained in the counterclaims. On XX/XX/XXXX and XX/XX/XXXX, XXXX voluntarily dismissed the lawsuits as evidenced from the attachments which can be authenticated in the online court public record. Under the two-dismissal rule of 15 U.S.C. 41 ( a ) ( 1 ) ( B ) if the plaintiff previously dismissed any federal- or state-court action based on or including the same claim, a notice of dismissal operates as an adjudication on the merits. Rule 41 ( a ) ( 1 ) is the shortest and surest route to abort a complaint when it is applicable. But this quick and ready tool may be used once, and only once, if clear consequences are to be avoided. A XXXX  notice of dismissal not only closes the file, it also closes the case with prejudice to the bringing of another. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Court of Appeals XXXX XXXX. XX/XX/XXXX. 

Therefore, the XXXX  voluntary dismissals of actions closed the disputes forever with {$0.00} balances as XXXX can never bring another lawsuit nor report to credit reporting agencies balances exceeding {$0.00} or derogatory data of any kind. 

Accordingly, all my XXXX balances must be reported as {$0.00} without any derogatory data of any kind. 

Kindly process this dispute to correct the inaccurate balances as balances of {$0.00} are required due to outcomes of litigation.
Product: Checking or savings account

I want to file a complaint against Webster Bank. Without my consent or prior knowledge and without any checks written against my account by myself or others, on Friday night XX/XX/XXXX, webster bank processed a check against my checking account for {$990.00}. My account only had {$970.00} in it. So they set my balance to XXXX. I was notified on Saturday XX/XX/XXXX of the withdrawal from my account and I called their XXXX number on Saturday morning. I was told that it was their mistake and that the department responsible for the error could not be reached until Monday. I was also told that they would contact that department on Monday and that by the XXXX I should see the money back in my account. When I called on Monday XXXX, I was first told that they could not get in touch with that department but they would call me back once they did. I did get a call back later today, informing me that the funds would be put back in my account on Monday night after XXXX.

The funds that I just received on Friday morning from my paycheck were not available to me for 3 days, one a full business day. This is not an acceptable way to do business. How can they clear out someones checking account and not correct the error for 3 full days? How can this be acceptable. As of this writing I am still waiting for the error to be corrected tonight after XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard credit inquiries appeared on my credit reports XXXX 2021, after I considered purchasing a car with XXXX auto ( XXXX XXXX ). I've attempted to have these addressed by the credit reporting companies however I am consistent receiving messages such as " we are having problems with our system at the moment, '' or specifically with Experian, that I must contact each and every single loan company one by one. This has already been a 12 hour day getting past all three reporting companies. They'vemade this so difficult that it is more sensible to simply report them all to the authorities. 

I was promised that there would only be one credit request inquiry and instead there were over 8 hard inquiries! The despicable part of it was, not all the hard inquiries appear from all credit reporting agencies. Some appear with one credit reporting company while other inquiries only appear with another reporting company. They include however are not limited to : 1. XXXX  XXXX, XXXX, inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX XXXX. XXXX  XXXX XXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX. XXXX  XXXX XXXX  - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXXXXXX XXXX XXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX XXXX. XXXX/XXXX XXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX
Product: Debt collection

I applied for a loan through makwa finance. For a loan of XXXX I was desperate for a loan because Im dealing with a hardship and I needed the money to pay off debts and I explained that I have a payment upcoming on XX/XX/30 I told makwa via email that I wont be able to make that payment on XX/XX/30 I was told that I would be able to make the payment on the XXXX then I get an email this morning saying that my account is in collections I explained that Im in a hardship the representative XXXX tried to lower the amount it still was high for me it was in the XXXX I asked to speak to a supervisor I she got very defensive and said I gave you all the options why do you want to speak to a supervisor. She placed me on hold and left me on hold. I called back I was very emotional the rep seemed nice and said she will stop ACH payments and to make the payment online or make small payments. Then I called this afternoon because I received an email and another rep was asking when is the payment going to be made. I had to explain again the situation Im in I asked to speak to a supervisor and I was transferred. I could barely understand because of the heavy accent. She asked if I can make a small payment. I got frustrated because she began talking about collections. I couldnt understand Im confused she said its not confusing. I hung up I called again and I spoke to a representative who was asking for a payment again. And the representative told me that she will continue to send emails. I tried to call customer service. Instead I get account resolutions and I asked if this is customer service the rep picked up got an attitude with me and said this is account resolutions why do you want to talk to customer service. This rep was very XXXX. I hung up. I dont need this stress I have enough on my plate
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. The compromised accounts are : Account Account Number Provide Physical Verification Chapter XXXX  Bankruptcy XXXX Fraud 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. 
Enclosed are the following : The fraudulent items are circled on my copy of the Identity Theft Report. 
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 furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity Police Report
Product: Credit card or prepaid card

On XX/XX/2022 I noticed I was negative in my bank while I was out shopping. When I checked transactions I noticed XXXX purchases XXXX on XX/XX/2022 and the XXXX  one on XX/XX/2022 at a gas station located XXXX miles from my location. During the times of these purchases I was at home. Therefore, I have no way to prove it was not I that made a {$140.00} gas purchase on XX/XX/XXXX at XXXX XXXX standard time. I also didnt make another {$150.00} purchase at that same gas station at XXXX XXXX XXXX time the following day on XX/XX/2022. Chase Bank has rejected my claim because they say the debit card used shows it was used with the chip which can not be duplicated and the pin code was also used. I was at home these XXXX days during these time frames. The only witness I have is my husband and the text messages sent between XXXX regarding lunch and checking the mail which occurred an hour or more before the transactions. I even tried to get evidence of my location for those dates and my XXXX states they do not have the ability to provide pings of my specific location for those days. Only current locations. How can I get this handled? I have had a scam done a few months ago for {$3000.00}. It was reported to the federal trade commission. I have also had identity theft as well a few years ago. Where they used my personal information such as social security number, to open multiple accounts. This was also reported to police and all XXXX  credit bureaus. I am the only one working in our household. We are currently receiving XXXX  for XXXX  through state of XXXX because my pay check is XXXX  after taxes and medical insurance costs. This has effected me financially and emotionally.
Product: Credit reporting or other personal consumer reports

by the Fair Credit Reporting Act. the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681.

15 USC 1681 section 602 A I have the right to privacy.

15 USC 1681 section 604 section 2 : it also states that the consuming report agency can not furnish my account without written instruction 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently discovered that there is unauthorized information in my name being used on my credit reports and I would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized & I am insisting that they be deleted from my credit report asap. These items are FRAUDULENT and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the FTC Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items asap. 

Please remove these inquiries asap : XXXX XXXX XXXX - XX/XX/201XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX