23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I applied for a cash out refinance mortgage for {$280000.00} with Rocket Mortgage LLC ( NMLS # XXXX ) for my property in Texas. 

The loan officer confirmed I was eligible for their " delayed financing '' product which was also described on Rocket Mortgage 's website. On this basis I permitted him to pull my credit report and also provided my credit card details for the cost of the required appraisal. ( note : the appraisal fee was {$540.00} per appraisal report dated XX/XX/XXXX but Rocket debited my credit card {$790.00} on XX/XX/XXXX ) Further on XX/XX/XXXX I was verbally informed by the loan officer that Rocket Mortgage 's underwriter says due to Texas Law Section 50 ( a ) ( 6 ) my investment property in Texas was not eligible for delayed financing / cash out refinance. 

I received a decline letter on XX/XX/XXXX " the reasons why we are currently unable to help you with your loan - *Other - Product/Program not available. 

I have never been declined for credit my entire life and find this letter is completely inadequate as it provides no reason or explanation for the decline. As America 's largest mortgage lender they need to be held accountable for such poor standards of communication and arbitrary underwriting standards
Product: Debt collection

A notice was sent to me on XX/XX/XXXX by DPT EDXXXX ( address XXXX XXXX XXXX XXXX, TX XXXX XXXX. Date opened XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  in collections amounts of {$2100.00}, {$2000.00}, {$2400.00}, {$4100.00}. I havent been to college in over 10 years. The only only college I went to was XXXX XXXX XXXX XXXX. This is not my debt!
Product: Credit reporting or other personal consumer reports

I noticed on my credit report alerts from chase that someone opened 4 credit cards under my name and with my personal information. In XXXX i started receiving these " alerts about past due balance '', " it looks like your using your credit '' and " you credit card balance went up '' which was really weird. 

The my credit score went from XXXX to XXXX in two to three weeks. 

My chase credit report shows the following : XXXX bank card balance shows {$10000.00} with credit limit of {$12000.00}. 
Authorized user since XX/XX/23 Bank of America card balance shows {$16.00} balance and credit limit shows {$3000.00}. 
Authorized user as of XX/XX/23 XXXX card shows credit balance of {$8100.00} with credit limit {$10000.00}. 

XXXX XXXX shows balance {$240.00} oppened on XX/XX/23.
Product: Credit card or prepaid card

I had an issue about a 'returned payment charge ' of {$20.00} with XXXX Visa XXXX card issued by City National Bank . 

On XX/XX/2019, I received a mail from City National Bank that they will transfer their website from the old one ( creditcare.cnb.com ) to the new one ( cno.cnb.com ). Then I followed their instruction to setup my account on their new website. Please note that the old website does not allow me to setup autopay, so I had to schedule the payment every month. Also, I noticed that the account on new website does have autopay setup, so I setup autopay immediately to avoid late payment. However, I didn't remember if I scheduled the payment for XXXX XXXX statement or not, and it didn't show up on the new account. And I assume the system should handle that with no problem. 

But I am wrong. The system tried to make duplicate payment for the statement of XX/XX/2019, with the amount {$920.00}, on both XX/XX/XXXX and XX/XX/XXXX. However, I didn't have enough money in my checking account ( of course because I didn't know they will make repeated payment ) and charged me a {$20.00} 'returned payment charge '. 

On around XX/XX/XXXX, I called the customer service and want to get the fee refunded because it is not my fault. They said they will contact the one whom I applied the credit card with. However, it has been one month and I haven't received the refund yet. I don't want to call them again and spend a lot of time to explain the whole thing. So I'd like to ask for help from CFPB. Thanks for your kind help.
Product: Vehicle loan or lease

I am without a phone and unable to call BMWF regarding my account, I believe this was stated in prior complaints. As stated by their rep in a prior reply, I messaged BMWF about my account and payment arrangement which is an amount of XXXX paid on XX/XX/XXXX, another payment on the following Monday the XXXX. I received an email from a XXXX with an attachment to it, a letter requesting me to call BMWF about my account. Again, I do not have a phone but will reply here, I need to update my arrangement to include the the amount of XXXX to be paid on XX/XX/XXXX. I have an insurance payment due on the XXXX as well, this is the best I can do.. Please allow me more time before possible repossession
Product: Payday loan, title loan, personal loan, or advance loan

I was originally approved for a {$5000.00} loan on XXXX XXXX ( application # XXXX ). I have yet to receive any funds however my credit score and report has been impacted. I spoke with XXXX and XXXX ( the branch manger ) XX/XX/2023, and the company states something has gone wrong with their software is reason they gave me for the inability to honor and book the loan approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collections account appeared on my credit report that I am not aware of, I already submitted disputes on the credit bureaus but have not received any response. Below are the collections appearing ; XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$5100.00} XXXX XXXX {$2300.00} XXXX XXXX {$320.00} XXXX XXXX {$18000.00} XXXX XXXX  XXXX {$3000.00} XXXX XXXX {$0.00}
Product: Debt collection

I attempted to call the agency on several ocassions to setup voluntary pays however the rep refused to assist me and stated that they would just sue me. I asked for proof of the debt which I never received and several requests were made to secure the proof of the debt. The rep was unprofessional and he laughed when I asked about resolving the account. Ive made several attempts and on most days the rep never is available. The rep gave false information to me about my ability to setup arrangements on the account and then my wages were garnished without any notice. XXXX  XXXX was unprofessional and rude.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, 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, credit repair services, or other personal consumer reports

I recently won a court order to have this account with USAA fed bank to have all information removed from my credit file in regards to this account. I have made several attempts to have this situation handle without involving consumer financial protection bureau. I have attached a copy of the final judgement dated XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationstar Mortgage and attorneys   XXXX   XXXX   and   XXXX   XXXX   XXXX   of   XXXX   XXXX   XXXX   have improperly scheduled unsecured property for auction originally,   XXXX   XXXX  , 2017, and now   XXXX   XXXX  , 2017 without proper notice and without giving a payoff statement, invoice or bill for payment. In an earlier complaint regarding debt collection procedure violations,   XXXX   XXXX   of   XXXX   XXXX   XXXX   for Nationstar Mortgage provided an affidavit of service by mail dated   XXXX   XXXX  , 2017 of notice of sale scheduled   XXXX   XXXX  , 2017. In the same letter   XXXX   XXXX   maintains that the required 90 day notice under NY CLS UCC 9-611 was given. This is clearly untrue according to the documents   XXXX   XXXX   has provided. Upon repeated requests for a payoff amount or statement, Nationstar and their attorneys   XXXX   XXXX   XXXX  , have reported to the credit bureaus false information due to the fact that they report the debt as in arrears, but refuse to provide verification or substantiation and have failed and refused to give me a payoff statement, amount, or an opportunity to payoff the debt.
Product: Credit reporting or other personal consumer reports

On XXXX submitted a complaint to CFPB regarding XXXX XXXX {$590.00} asking Experian XXXX remove this account as the account is not reporting on XXXX. In addition, XXXX XXXX is reporting different data to Experian and XXXX which I will file a report on also. 

Experian responded to my complaint almost 60 days later on XX/XX/year> with a canned response that also included : " Per your request to conduct a reinvestigation, we contacted the data furnisher ( s ) for the disputed items on your Experian credit report and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the remaining disputed information was accurate as reported '' I do not believe Experian conducted a full or thorough investigation, nor did they provide any information regarding the furnisher in which they allege they obtained the information from. 

This item should have been removed from my account within the time requirements set by the FCRA which is Federal Law Also with knowledge of the recent lawsuit against Experian, I ask that you please review and delete this account
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPLAINT about Unautorized hard inquires left on my credit by the third party after complaint XXXX XXXX, i have a fraud alert on my credit bureau after figure out someone uses my identity to apply for a credit line, so i submit a claim for all creditors run my credit without authorization XXXX was able to locate the following inquiries in our systems. 
XX/XX/2018, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I have been harassed, called before XXXX my time, been harassed even after I obtained and Attorney for Bankruptcy, called name ... .The list go 's on and on
Product: Checking or savings account

I am a XXXX XXXX  who opened a SoFi account to get a higher interest rate on the money I had saved for college. The SoFi website says that either a passport or driver 's license can be used to establish identity. I opened the account on XX/XX/XXXX. I used my passport to open the account, as well as my SSN. 

On XX/XX/XXXX, I received an email that my account was restricted. When I talked to someone in customer service, I was told that only a driver 's license could be used. 
Every time I have called SoFi, I have been told that someone in the security division is investigating it and will contact me back. I have never received an email or phone call. 

I did get my driver 's license in XX/XX/XXXX, but I can't get any information about how to upload it to release my account. I called SoFi again today ( XX/XX/XXXX ) and received the same response that someone in Security will get back to me. I have no faith that this will happen as they have never called me back before. 

Since they have no physical locations, I don't know what recourse I have to release my funds. I will absolutely be leaving SoFi as soon as I can get my college savings back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  Disputed by Consumer. 
Investigation of Fraudulent Hard Inquiry on XX/XX/XXXX Dear XXXX XXXX XXXX XXXX XXXXXXXX XXXX CAPITAL ONE AUTO FINANCE WILL NOT PROVIDE A LETTER OF DELETION NO ACCOUNT FOUND XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | XXXX Last four of my XXXX XXXXXXXX XXXX XXXX Disputed by Consumer. 1-5 days My address is listed above. Respond by Mail only and provide a copy of credit report along with results of investigation. 
CAPITAL ONE AUTO FINANCE Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Record details On record until XXXX XXXX Inquired onXXXX Comment '' : Auto loan. This inquiry is scheduled to continue on record until XXXX XXXX. Inquiry. On Report number XXXX
Product: Debt collection

Citibank has contacted me via phone call 13 times within a 5 day period. They have surpassed the 7 calls in 7 days rule. They are harassing me. I have screen shots of the call logs below. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have contacted Nelnet on more than one occasion about the amount they are reporting on my credit report and trying to collect from me. The amount of over {$12000.00} is incorrect. They received to loans from XXXX XXXX XXXX loan services in XX/XX/2018. At that point I have already made payments of XXXX ( {$1600.00} to collection fees, {$270.00} to interest and {$9900.00} to principal ). Every time I call, they ( Nelnet ) states there's nothing they can do to call XXXX XXXX. I call XXXX XXXX they tell me to call NelNet. However, I did receive a detailed payment history from XXXX XXXX ( the original collection agency ). When I spoke with someone at Nelnet ( multiple times ) and told them that I had it and could send it over they ( Nelnet ) still stated to call XXXX XXXX, who told me call Nelnet again. Not only is Nelnet trying to collect an inaccurate amount but also, they are charging interest rates to an extremely higher than accurate amount This is stressful and damaging to my credit report and worthiness. I am unable to get a home loan for my family we desperately need or even a bigger vehicle since my family has double with the birth of my XXXX. I am aware the one or both companies or in violation of " The Fair Credit Reporting Act " and " The Fair Debt Collection Practices Act ". I am feeling trapped and needs help.
Product: Credit reporting or other personal consumer reports

My credit has decreased due to my information getting stolen, cards, social security, bank information. My bank account was closed and im not able to open another bank account. I need to open a bank account so I can pay my bills. I tried opening a bank account with many banks and all deny me. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX XXXX XXXX-Date of Inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX XXXX XXXX  VIA CREDCODS  add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient has reported me 90 days late on my credit report twice on my credit report when they were unable to contact me about my loan deferment has ended. I have disputed this information twice but they continue to avoid correcting my credit report and they levy fees that are not interest related.
Product: Debt collection

Midland Credit Management sent the enclosed letter on XX/XX/XXXX when I got it, stating they have tried to contact me several times I request a copy of there mail receipt showing there documents sent to me.. a certified copy of a alleged contract with myself the furnisher and Midland on the original contract. Threatening me with a law suit after claiming they contacted me with no evidence. The enclosed letter was fax to them on XX/XX/XXXX only after I called them for the fax, First refusing to give it to me Because I said I was recording to as they were..Please not the letter sent to Midland Section 73 American Jurisprudence { Am Jur } 2nd Sect 93 Stats that a third party can NOT enter to or on a contract, Subrogation does not exist for a stranger not originally name on a contract where bought sold traded, given please provide all documents that I request in my letter faxed to you in deTail Every thing
Product: Student loan

My loans are being held by Nelnet. I have applied for the SAVE program in XXXX but I never heard anything back. Student aid.gov just says my loan provider will pick my re-payment option, which they havent and I cant see any information about what they picked or if they even picked anything. Its impossible to get through on the phone to this company. They are operating like they are still in the XXXX with millions of lives being affected. A lawsuit should be brought to them. They are a monopoly and are purposely making everything difficult in order to collect late fees and occur more interest. This is predatory and should not be allowed. They are criminals and the fact that the federal government is in bed with them is a shame to this country.
Product: Credit reporting or other personal consumer reports

I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).
Product: Credit card

I made a return at the JCP in XXXX XXXXXXXX XXXX on XX/XX/year>, to date the credit is not reflecting on my credit card statement. I have provided the credit card company proof of the receipt received from the store and yet they send me a letter stating they are still investigating. I am upset this issue has taken more than 30 days to resolve and I am still paying interest and finance fees towards this money. This is unacceptable for a good paying customer like myself.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX # XXXX 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have a 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 reporting 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 inaccute
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on my XXXX And TRANSUNION consumer report. Ive filed ID theft already and they have not assisted me properly. The account number for the collection account on XXXX is XXXX. They failed to verify the information prior to adding the information to my consumer report. It is also stated on the account summary that the account is a medical bill and that is also against the law
Product: Credit card or prepaid card

I am a natural person and completing this complaint upon my own request. I applied for the Apple Card and was denied. Please see attachment for details.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX