23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Last week, XX/XX/XXXX I called up ROcket Mortage to get a quote for a mortgage. ( XXXX XXXX was the representarive doing my application over the phone ). I was quickly steered/preassured to a 30 year fixed FHA loan without given any choices despite me repeatedley telling the agent that our intention was pay off the mortgage within 5 years. After questioning the agent as to why he wouldn'tgive us any other options after I had submitted/uploaded my online documents online 3 hours later after I was pre-approved for the FHA loan he claimed that I told him that we wanted a low intetrest rate ( not true ), I only mentioned a Fixed Rate loan that we intended to pay off within 5 years. I explained to him that I was XXXX ( receiving Social Security benefits and my husband was XXXX so we wanted to be out of debt as quickly as possible ) After I was preapproved, I was still receiving notices that I need to submit more financial info. ( even though I had already uploaded everything ). He also rushed to ask me if I needed a realtor that they could provide but would not explain to me the details/obligations going with their realtor besides telling me that I would get 1 point off my loan which made no sense, he did not give me any further explanation of what that meant. Afterwards I've been getting daily emails by the realtor coordinator asking me if someone contacted me. Last night my husband and I decided we did not feel comfortable take out a mortgage to purchase a home with rocket mortgage and decided to save more money so we can buy a property outright later in time. I went online to try and delete all my financial and XXXX info but that is not possible. I contacted a person through their chat and they told me that they can not delete my financial info that I had uploaded. After I explained to her that we no longer wanted to take out a loan, she said that everything will drop off after 90 days and sent me a privacy/security link. This privacy link did not mention that all my sensitive info would be deleted after 90 days. I asked the agent who has acess to my finacial info and she told me that her internet and audit team does. I do not feel comfortable with my all my financial information being online and I do not understand why I can not delete it. I am concerned that my information will be stolen or hacked. What are my right to have all my financial information deleted immediately? I will add that on my online account I did click on a link to cancel my mortage application. But when I click on my documents. All my 20 plus pages of tax, investment and banking account information with all the account number are still there.
Product: Credit reporting or other personal consumer reports

Ive recently checked my credit report and noticed in accurate inquiries
Product: Credit reporting or other personal consumer reports

Social security number XXXX my complaint is that there is XXXX negative item on experian that XXXXdays late it supposed to be removed from my XXXX experian credit report I have a federal trade report on file. And on trans union there is XXXX negative items XXXX are charge off and the other XXXX are past due and also there are XXXX hard credit inquiries that supposed to be removed or blocked I have a federal trade report on file
Product: Money transfer, virtual currency, or money service

Made money gram on XXXX/XXXX/XXXX {$1000.00} & XXXX/XXXX/XXXX {$1800.00} for specific amounts sent to foreign country. Today, receivers could not receive funds due to money gram canceling. Hi phoned money gram XXXX/XXXX/XXXX and agent stated at this time money gram does not feel comfortable sending funds Specifically asked reason why and he could not give me one. Have sent other money grams previously were never rejected. Very frustrating and upsetting when money gram wont follow through. Need help?
Product: Credit reporting or other personal consumer reports

You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

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

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case! 

Listed below are the Accounts that are being challenged : XXXX - XXXX XXXX MTR - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged : XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
1

5 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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank of America chose not to do business with me. They have yet to notify me of why stating they do not have to provide me with a reason. Next they stated my account was closed. The account was not closed so my deposits still went into that account. They will not release any of my funds and keep telling staff to not provide me my funds or any information regarding my account. They stated it would take 10 days to close. They have stated it closed on the XXXX but no check was issued out. Today on the XXXX a man named XXXX in the risk account closure XXXX stated theyll close my account when they close it. No set date ever has to be made nor information provided. I would like the funds off that account and for Bank of America to be held accountable for their lack of information and understanding towards a consumer.
Product: Credit reporting

I have incorrect information being reported on my credit report from all XXXX credit reporting agencies there are XXXX liens from XXXX XXXX that were placed on my credit reports from Equifax, XXXX and XXXX XXXX that states the liens are there but, the liens have been dismissed so, why are they still reporting them? I want them removed because they have a negative impact on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I used to have a store credit account with XXXX 's which is backed by Comenity Bank. While XXXX 's has been out of business for several years, I continued to pay my balance that never seemed to go down no matter what due to fees and rising finance rates. So I enlisted the assistance of Legal Advocates for Seniors and People with XXXXXXXX XXXX XXXX XXXX  in an effort to stop the fees and finance rates so that I can effectively pay the debt. However, ComenityXXXX 's continue to aggressively and consistently call me with demands and threats. I have been forwarding this information to XXXX and they suggested that I contact the CFPB while they advocate on my behalf.
Product: Checking or savings account

I went to a atm on XX/XX/24 @ XXXX and withdrew money and was putting away my debit card and phone cuz I locked my account and unlocked my account at the atm because that money was needed for something so I reached for the receipt and to take my cash then all of a sudden something flashed across the screen and said I took too long to retrieve and to contact my financial company chime bank. I contacted chime for them to tell me I have to wait to it its not pending so on Sunday I called chime to open a dispute and on Monday XXXX  at XXXX getting a email saying they denied my dispute. XXXX XXXX XXXX hours for them to investigate. All point atm cardtronics told me chime doesnt investigate. This is my money how can the atm or card company just keep it. I will be going to another card company because chime doesnt protect its consumers
Product: Money transfer, virtual currency, or money service

My Name is XXXX XXXX XXXX, on XXXX, 2018 I wired {$65000.00} to XXXX XXXX Account number XXXX and routing number is XXXX from my account in XXXX XXXX XXXX account # XXXX not knowing that someone have hack into the email and change the account number. XXXX XXXX of XXXX have file a complain with FBI, I have not file a complain with Suntrust yet. dont know where can I find them. since the account and name does not match they shouldn't accept the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so upset about this situation. Ive submitted this complaint 3rd times & CFPB & XXXX /EQUIFAXXXXX claiming its being submitted by someone other than me or that there is no file on records. Seems like a lot of passing the buck or not accountability. Whatever the reason. Im beyond annoyed. These inquiries are not mine. This matter has been creating an insane amount of emotional & physical distress. My attorney told me I should just sue for violations in FCRA laws. Id prefer to not get litigious. Please see this matter is handled. 
XXXX XXXX XXXX Inquiry Date XX/XX/2021, XXXX XXXX XXXX Inquiry Date XX/XX/2021, XXXX Inquiry Date XX/XX/2021
Product: Mortgage

I purchased a duplex from SLS at the foreclosure sale of their XXXX deed of trust in XXXX of XXXX, to protect my interest in it since I held a junior note. I have been paying for the insurance and taxes since I bought it. SLS still held a large XXXX deed of trust that I have been trying to pay off in full since I bought the property. I always reach their call center people and they will never transfer me to someone that is helpful. I and my Attorney sent a few payoff letters with no response and then I was told to send a certified letter to their legal dept with the loan no and property address and explain the situation which I did on XXXX/XXXX/XXXX. ( I have the green card that shows they received it ) Neither my Attorney nor I have ever received a response. On at least XXXX different times I would spend a few hours on the phone with SLS trying to get them paid off. I would get someone at their call center and kept getting transferred put on hold several times and then back to Customer care where I started. I ended up giving up in getting to talk to someone that knew anything or had any authority. In XXXX XXXX SLS turned it over to a Trustee service who I have talked to several times. She has n't started the foreclosure process yet since I told her I want to get this paid off in full ASAP. I sent her copies of my Attorney 's and my prior requests for payoff. I also faxed both SLS and the Trustee person that was assigned to this at the foreclosure service copies of my paying for insurance and taxes and the accounting from the tax dept here that shows SLS was sent a refund of {$3900.00} on XXXX/XXXX/XXXX because I already paid it. I requested a payoff statement with a breakdown of the accounting for taxes, insurance, and other fees they want. The payoff statement does not reflect me getting any tax or insurance credit. The payoff statement I received also has {$2800.00} added for amount due the Trustee Service who has n't actually started the foreclosure process yet. If SLS would have given me the proper credit for having paid the taxes and insurance, responded to mine and my Attorney 's pay off requests this fee would not have occurred. I appreciate any help your Agency can do to resolve this. 
Without me giving my personal information on this how can you do anything and help get it resolved?
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. These companies have refused to do work on disputes even though they're required by the law to do so.

Account Name : XXXX  XXXX Account Number : XXXX
Product: Debt collection

Continued daily robo calls all day and evening calls registering different numbers from different states. Debt was settled and paid to creditor XXXX XXXX XXXX but daily harassing calls will not stop to my cell number XXXX. Calls show up from different states and numbers but when answered its always a bot calling from same company. Numbers listed were XX/XX/XXXX XXXX WI, XXXX Long Beach CA, XXXX, XXXX XXXX CA XXXX many daily numbers from same company to list. I am considering changing or dropping my cell number and phone altogether due to harassment. XXXX was paid in full XXXX XXXX XXXX and paid in full but daily Robo calls will not stop. Company may be upset because I dropped service and switched recently to XXXX  due to bad service and dislike XXXX as I explained to a Rep when I contacted them directly to report this and pay any outstanding valence on XX/XX/XXXX Please do not publish my direct cell number to any public boards that can be viewed by anyone other then the ones who resolve these issues.
Product: Debt collection

This phone number ( XXXX ) has called asking for a person who does not work here, has never worked here, and is not related to our company at all. 
They have called and been informed of this over 20 times. Each time we have asked them to remove our phone number from their list. 
The latest call they have made to us was on XX/XX/18 at XXXX XXXX. 
They have gotten that they call, ask for the name, then hang up after us asking them to remove our number off their list.
Product: Student loan

I entered military service in XX/XX/XXXX and put all of my student loans into deferment while I went to XXXX XXXX and got into a routine and made a little bit of money. Around XX/XX/XXXX, I was stable enough to start making payments on my student loans, and I started to do so. However, when restarting payments on my loans, I forgot about the {$30000.00} loan I had taken out with CitiBank. Over time, the payments became very delinquent. There was no attempt to contact me that I am aware of, either through email, phone, or mail. 

I found out about the delinquent account because my clearance was at risk in XX/XX/XXXX. I called the company to try to figure out a payment plan because I am WILLING AND ABLE to make payments. The debt has been passed around through various companies, and this required calling all of them. CitiBank gave it to a company called XXXX, who sold it to XXXX XXXX XXXX, who sold it back to CitiBank. I received no notification that my debt was passed around, and who I should be making payments to. I called Citibank late XX/XX/XXXX to try to make a payment plan, and they refused, saying that the only option for me was to pay a settlement equal to 65 % of the amount owed. The amount owed is {$42000.00} and the settlement payment is {$27000.00}. 

I told the representative that I talked to that I am unable to make a settlement payment, but that I am WILLING AND ABLE to negotiate monthly payments, and my request was refused. When I asked to speak with someone else or a supervisor, my request was denied and the representative stated that he did not have a supervisor and that he is the only one that I am allowed to talk to. 

I considered getting a consolidation loan, but I can not get a loan with bad credit. I can not fix my credit until I get this loan taken care of. This is an endless loop that I am stuck in despite my willingness to fix it and make it right.
Product: Prepaid card

Amex Gift card ending with XXXX is not working at all.
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at numerous credit card companies. This fraudulent account consist Jefferson Capital System which was opened XX/XX/year>. This account have resulted infraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent Items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

They fail to remove their errors. I did not give them or any third party permission or consent to use my personal information or financial information. They will not remove it. Its a violation of the consumer protection act and fair credit act. They did not provide me any documentation or evidence to support their claims. I ask them to remove it but they failed to do so.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  XXXX  XXXX XX/XX/XXXXXXXX  XXXX XX/XX/XXXXXXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX  XXXX XXXX XX/XX/XXXXXXXX  XXXX  XXXX  XX/XX/XXXXXXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX/XXXX has violated my rights. 


I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

Hello, I have called the company in efforts to resolve this. I was charged a late fee on XX/XX/XXXX in the amount of {$37.00}. The problem is that I made a payment on XX/XX/XXXX. This payment did not apply to the previous cycle and fell within that cycle, so why then was I charged a fee in XX/XX/XXXX and XX/XX/XXXX?  The fee charged in the amount of XXXX is in error and should be credited. The representative on the phone would not listen and could not present information as to why this happened. I asked to speak to a manager and was told one would call me back. I have not heard anything back at this time. 

XXXX XXXX