23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On the morning of XX/XX/2020, I was contacted by one of Rocket Mortgage 's telemarketers. I had requested many times to be removed from their list, but the calls continued. I consider this a privacy violation. 

This telemarketer said he wanted to give me a free mortgage review. I told him I was not interested because I did not want any credit inquiries. He said it was a soft inquiry and would have very little impact. I agreed. Then he pulled both me and my husbands credit. I did not give permission for him to pull my husbands credit. I consider this identity fraud and a violation of privacy. 

Then he informed that since I have a home in deferral with another lender he would not be able to help me with a refinance until the payments on that home where caught up.???!!! Who said anything about refinance?!?!? This was supposed to me a mortgage review. He was trying to trick me into refinancing. Trickery is predatory lending. 

Finally, per the CARES act, a mortgage deferral can not affect my credit but in this case it prevented me from even having a mortgage review, let alone a refinance. 

Last week I began the refinance process with Rocket Mortgage. I told them I had XXXX XXXX  XXXX that is continued on a yearly basis so long as I'm living. The banker said this was not a problem. I used this same income when I originally took out the mortgage. I additionally told her I did not want my credit checked if I wasn't eligible to refinance. I went to great lengths to have a spotless credit report. Which it was. When she pulled my score it was over 800. 

Once I had uploaded all but one document, I asked a question about the cost of the loan. I had been told closing would only be {$6800.00} but they were adding $ XXXX to my loan principle. Then I asked them to put things on hold. This was on Thursday because I was going away for the weekend. 

Today, three days late, Monday morning, I find out they had cancelled my application and had to start all over. But this time they said my XXXX XXXX  XXXX income was no good and am no longer qualified to refinance. So I wasted a week of my time and got my credit pulled for nothing. 

That is the second time Rocket Mortgage pulled my credit in a predatory manor.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my updated report in 3 credit Bureaus and I noticedinaccurate information posted on my consumer report. These are the inaccurateitems which are listed in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX XXXX, XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$290.00} XXXXXXXX XXXX XXXX Balance : $ XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX I ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

Owed credit card, paid to 3rd party, and made all payments as agreed to. Receive a letter from the creditor and 3rd party of account satisfactory and paid in full, but still coming up as unpaid/owed with mortgage loan officer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 card

Please examine the attached documents. Initiate an investigation into these accounts, as they inaccurately label me as late, despite my consistent on-time payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these uknown accounts from my report as soon as possible. XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX   XXXX {$530.00}
Product: Checking or savings account

On XX/XX/2022, I depositeda a check for {$7000.00} XXXX funds in my account. I knew that it would need to go through collection which can take 6 weeks. After 7 weeks. I called to find out the amount of the deposit in US funds. I was told that it might take 8 weeks. At 9 weeks I called again and was told that they meant 8 weeks from my phone call. On XX/XX/XXXX the XXXX bank paid the check. It still has not been deposited to my account at Truist Bank.
Product: Debt collection

Is over two years ago this company I lived property rent when I moved out they ask me some money for property damage company name : XXXX XXXX XXXX I live with roommates this property they asked me to pay for it only me I was not live in by myself I have roommate I try to pay for it some payments amount of money its was {$1000.00} I almost paid half of it this amount balance is {$500.00} I cant afford it this money
Product: Student loan

When I graduated from XXXX XXXX University in XXXX, I had a private student loan balance of {$48000.00} with Sallie Mae Corporation. I attempted many times to repay my student loans, however Sallie Mae was unwilling to provide an affordable payment plan. Instead, they pushed forbearance. In the meantime, my loans were charged capitalized interest along with additional fees. In XXXX, My loan balance was an estimated amount of {$89000.00} when Navient finally agreed to place me in an interest rate reduction plan. In XXXX, I refinanced and paid off my private loans with Navient. I recently refinance with XXXX, a subsidiary of Navient unbeknownst to me. My loan number XXXX coincidently is the same account number as my original loan with Navient.
Product: Vehicle loan or lease

Chrysler Capital was paid on XX/XX/2020 for the full payoff of the lease. They refuse to close out the account, which is causing my credit bureau to show an open auto loan. My wife is not able to purchase a vehicle because of this.
Product: Credit reporting

Most of this debts are very old and should have been deleted long time ago but a debt that on my credit report from XXXX XXXX is not true and I ask the C E O starting back from XX/XX/XXXX until present I spoke to several different agents but on my last call which was on XXXX / XXXX XXXX with C E O XXXX XXXX XXXX stated since no one contact me back from last conversation with the C E O rep name XXXX who stated she would investigate info and get back with me on what she had found out about my account issue, so since she had n't done so XXXX XXXX said she would remove it from all XXXX credit bureaus and send me a letter stated it, Next I contact experian and informed the experian worker of the info that I received from C E O agent from XXXX then the experian agent said she would write note of all we discussed in the dispute and when I contact experian back to see if XXXX removed the mark from report the agent Supervisor XXXX with experian said that updated info with a new balance it was first XXXX dollars and now it 's XXXX dollars so for this past month of XXXX going back and forward with experian about the letter and they keep telling me the gone put in the mail for sure this time. At this time I reached out to you from a source within experian and they let me know to reach out to you 'll for a more assistance. When you contact me back I will in form you of my other credit issue that seems illegal and I feel like have violated my rights. 

Thank you, XXXX
Product: Mortgage

BACK IN XXXX OF 2019 I REFINANCED MY HOME LOAN WITH XXXX BANK AND MY PREVIOUS HOME LOAN WITH FREEDOM MORTGAGE XXXX REPORTED A LATE PAYMENT FOR THAT MONTH OF XX/XX/2019 WHICH IS NOT CORRECT AND IT WAS BROUGHT TO MY ATTENTION BY MY XXXX XXXXXXXX THAT THIS IS AFFECTING MY CREDIT AND NEEDS TO BE REMOVED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX YEARS OLD AND I ALWAYS PAID MY MORTGAGE ON TIME i SET UP AUTOMATIC PAYMENTS. THIS HAS RUINED MY CHANCES OF GETTING A REVERSE MORTGAGE. I DIDNT REALIZE MY CREDIT UNTIL I HAD SOMEONE CHECK IT. I AM TOO OLD AND MY HUSBAND DIED I DONT HAVE ANYONE TO HELP EXCEPT THE FTC AND THE BANK. I NEED MY LATES REMOVED I HAVE PROOF FOR AUTOMATIC PAYMENTS SETUP. REMOVE XX/XX/19 AND XX/XX/19 UPDATE TO NEVER LATE. I WAS NEVER EVER LATE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to get Experian and XXXX to update the following accounts. 


XXXX XXXX XXXX - correct balance {$400.00} on report {$1500.00} XXXX XXXX XXXX XXXX - correct balance {$0.00} on report {$270.00} XXXX XXXX XXXX XXXXd -correct balance {$0.00} on report {$470.00} XXXX  XXXX -correct balance {$0.00} on report {$11.00} XXXX XXXX XXXXcorrect balance {$0.00} or report {$480.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on credit report. Incorrect Social Security number XXXX XXXX  - {$1700.00} DOES NOT BELONG TO ME HARD INQUIRIES- XXXX  XXXX XXXX XXXX XXXX XXXXDOES NOT BELONG TO ME HARD INQUIRIES-CITBANK NA., BEST BUY -DOES NOT BELONG TO ME HARD INQUIRIES- XXXX  XXXX XXXX XXXX -DOES NOT BELONG TO ME HARD INQUIRIES -XXXX XXXX- DOES NOT BELONG TO ME HARD INQUIRIES-XXXX XXXX- DOES NOT BELONG TO ME HARD INQUIRIES-XXXX  XXXX - DOES NOT BELONG TO ME
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I see that the inaccurate accounts was still reporting erroneous in my file. The XXXX and TransUnion credit bureaus are required to correct 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 reinvestigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$3000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$27000.00}
Product: Money transfer, virtual currency, or money service

I was checking my credit score o n   XXXX   XXXX   and saw that my   XXXX   credit score went down about  XXXX  points during the last   reporting period for apparently no reason, as nothing has changed since the last period. I am filing a separate complaint about this, but this complaint is about TransUnion who I went to, to check for information to compare with   XXXX   to see why my TransUnion score did n't go down, but my  XXXX  one did.
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I had to make an account to check this information, and they asked for my card information which I just assumed they needed to accurately reflect credit. They made NO indication that I was signing up for a paid account, and now whenever I try to go through their portal to cancel my subscription that I apparently now have, it does n't work. Every contact method they list is related to opening accounts/getting more information and I do n't really want to call because I 'm worried I might end up with more useless charges and no way to get my money back.
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This exchange happened on  XXXX   XXXX , 2017 and the amount I was initially billed is {$21.00}, which I also assume is going to be a recurring cost.
Product: Debt collection

The following debt for XXXX was paid in XX/XX/XXXX not only sid i pay XXXX but i also paid the Oringal collection company XXXX XXXX dollars. After the debt was removed it was resold to convergent outsourcing what appears to be in XX/XX/XXXX. This item was removed from my report over 6 months ago and is now on my XXXX report. This debt has been paid and documentation was provided to XXXX. This item should have not been sold and should not be on my credit reports at all.
Product: Debt collection

A collection agency called : Continental Credit Control XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX on behalf of a MEDICAL LAB has reported negative information without even informing about the debt amount {$79.00}, which in turn has effected my score about 80 points and effecting my MORTGAGE REFINANCING. So I approached this collection agency and even paid the DISUPTED Balance in order to get the score back but this collection agency is NOT responding to XXXX  enquiry sent to them, although I paid {$79.00} instead they are saying their process is they reply only once a month. Please take action against this COLLECTION AGENCY for harassing me and ask them to RESPOND to the XXXX Query.
Product: Credit reporting or other personal consumer reports

This company is furnishing inaccurate information onto my consumer credit profile.
Product: Checking or savings account

On XX/XX/XXXX I wrote a check to XXXX XXXX for the amount of {$24.00} It was converted to an ACH. I had at the time in my account {$24.00} I thought at the time I had XXXX but I was wrong. There was a debit to my account I was not aware of until I received the notice of the returned check in my email.for {$14.00} I do not have overdraft on this account, ( and the check would not have cleared any way but it is important to note this as an oversight on my part and not a blatant move to de fraud a merchant ) the check was sent back, when I saw what had happened I called XXXX to find out what I needed to do, they told me I would have to contact XXXX, I called XXXX on XX/XX/XXXX at XXXX XXXX  Cenrtral time and the agent told me after searching for several minutes that she found the check and asked me if i wanted to pay it today I agreed she said it would be {$49.00} I agreed to pay it when she put the card number in the system she said the check was currently being sent back through and I could not pay it over the phone she then stated I would still need to pay the XXXX return check fee though. I argued and hung up today XX/XX/XXXX they have attempted to debit my account for XXXX on behalf of XXXX stores but I did not have that much in my account. 
I am asking if they can continue to attempt to debit my account without my authorization, and If I must pay a return check fee for a check that cleared upon re deposit?
Product: Debt collection

This company calls all times of the day and night, from different numbers with threats of credit damages, or sometimes they will just hold the phone and not say anything, i have disputed this several times, and according to the Law they are not allowed to harass a consumer..
Product: Vehicle loan or lease

i d not appreciate my complaint being marked duplicate as it is not. my issues HAVE not been addressed. they have not called emailed or done anything to correct the fraud other then refund us XXXX which is not the XXXX that is owed to us. as well i have requested to be released as co signer from the loan and they refuse to do anything to make this happen i didnt even have a job. I HAVE ASKED FOR THE CFREDIT REPOIRT TO ACTUALLY REFLECT THE BALACNE OF XXXX THAT THE LOAN WAS FOR NOT THE XXXX IT STAES YOU CANT EVEN ACURATLY REPORT YOUR FRADULENT LOANS.??????? I WANT IMMEDIATLY RELEASED AS CO SIGNER OF THIS LOAN AS I DIDNT HAVE A JOB WHEN I SIGNED AND MY WIFE WHOS CAR IT WAS AND LOAN IT WAS AS THE ONLY ONE WITH INCOME SO READ THE COMPLAINT AGAIN YOU JUST MARKED AS DUPLICATE AND STOP LIEING MY COMPAINT IS NOT A DUPLICATE IM A DIFFERENT PERSON WITH DIFFECNT COMPLAINTS AND YOU HAVE NOT ADDRESSED A SINGLE ONE THIS IS NOT A DUPLIACTE COMPAINT AS THE BANK CONTINUES TO TRY TO MAKE ADJUSTMENTS TO OUR LOAN CONTRACT SND LIE SATYING THERES BEEN A RESOLUTION ANS THERES NOT A REOLUTION TO A TRUCK WITH NEARLY XXXX XXXX DOLOLARS IN REPAIR WORK COVERED BY A SERVICE CONTRACT EW PAID CREDIT ACCEPTENCE FOR.. WE DID NOT AGREE TO A REFUND OF THE WARRANTY WE BOUGHT WE ASKED FOR A REFUND FOR THE WARRANTY AND TRUCK AS WE HAVE BEEN DENIED THE USE CONTIONUALLY. THE BANK CREDITED MY WIFES ACCOUNT THAT I AM THE CO SIGNER OF AFTER 20 months OF HER TRUCK BEING IN THE SHOP. STATING WE ARE SORRY YOU WERE UNABLE TO USE YOUR SERVICE AGREEMENT. THATS A BIT TO LATE THE TRUCKS BEEN IN THE SHOP IN PIECES FOR 20 MONTHS YOU DID NOT CARE NOR MAKE ANY EFFORT TO CORRECT THE ISSEUE. ASND NOW WE CAN LEGALLY SUE YOU IN THE COURT OF LAW FOR BREACH OF CONRTACT. WE THIS TRUCK WAS NOT SFE THE DAY IT LEFT HE DEALERSHIPS LOT NO SAFETY LIGHTS PURTCHASED A TRUCK WITH A SERVICE CONTRACT FOR REPAIR WORK. NOT A TRUCK WITHOUT A CONTRACT AND NOW THEY REFUNDS MY SERVICE CONTRACT WHICH WE DID NOT ASK FOR WE ASKED FOR A REFUND WE HAVE PAID OVER XXXX FOR A CHECILE THAT HAS BEEN IN THE SHOP. REFUNDING A SERVICE CONTRACT THAT WE PAID FOR TO COVER REPAIR WORK IS NOT AN ACCEPTABLE RESOLUTOIN ND WE PLAN ON HOLDING YOU LIABLE FOR EVERYDAY WE HAVE NOT BEEN GIVEN A REFUND FOR THE DURATION FOR THE TIMEFRAME WE HAVE BEEN WAITING PATIENTLY. ONE LIE AFTER ANOTHER ONE EXCUSE AFTER ANOTHER FOR REFUSING TO REFUND THE ENTIRE LOAN THEN AFTER ALMOST 2 YEARS THE REALIZE HOW MANY LAWES HAVE BEEN BROKEN IN THE DENIAL OF US OF SERVICE CONTRACT SO THEY CPONTINUE TO LIE. THIS IS NOT A DUPLIACTE COMPTAINT
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and noticed some hard inquiries I would like to dispute. I have suffered emotional distress as a result of this matter and I have felt suicidal lately as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 


INACCURATE INFORMATION DISPUTE : The hard inquiries I am disputing are as follows : XXXX XXXX VIA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : This hard inquiry was reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ) , and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE this item from my consumer report!
Product: Credit card

My card was compromised and I reported the charges before the billing date and put a freeze on my card. I subsequently received the charges on or about XX/XX/year> to XX/XX/XXXX, XXXX It seems that someone used my card on a vacation in areas that I had not visited. My card number was used, but that card was in my possession. The card, Discover, re- issued with another account number. The amount of charges exceeded {$2000.00}. I tried to negotiate with several agents, instead they charged me with outrageous interest payments which I could not afford.
Product: Credit reporting or other personal consumer reports

Per IRS Publication 4681, Charge-Off 's are income and income is not permitted to be reported on ANY Credit report ( XXXX ). 
This account is a " Charge-Off '' and is in violation of the FCRA & the FDCPA it needs to be removed from ALL of my Credit Reports/Files immediately .

Also, I am invoking my GOD given right as a consumer to exercise my right to Opt-Out of ANY communications the Creditor ( XXXX XXXX XXXX ) may have had or is having with and reporting to third party corporations ( XXXX, XXXX, Transunion ) XXXX This is part of the Privacy Act of 1974, in which my rights have been violated and needs to be remedied, as soon as possible.
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
Product: Credit reporting or other personal consumer reports

XXXX ; XXXX XXXX Account Number - XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting or other personal consumer reports

XXXX inquiry was reported on trans Union and XXXX  from XXXX . 
XXXX XXXX was inquiry trans union also with out my knowledge
Product: Credit reporting or other personal consumer reports

This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I sent a letter to Experian asking them to verify that the US BK CT-XXXX XXXX MI was reporting to them on my credit report, which they did. The courts do not report directly to the credit bureau about individuals credit, therefore, making the information invalid.