23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Rocket Mortgage and XXXX company underwriters failed to disclose important information before I signed application for a home that accepted my offer, paid for appraisal and placed earnest money deposit. The Lender gave me an approval letter and requested I pay for appraisal and earnest money deposit. After my application was signed and after I paid for appraisal and deposited {$1000.00} in earnest money to the XXXX XXXX XXXX XXXX  was when lender said they could not verify my income. They said my large cash deposit could not be verified because it has not been 60 days since deposit was made. I then replied " why didn't you informed me about this earlier and not waste my time. '' They then replied that I can have some one gift me deposit money. I said " that would be a lie. '' They ask me to lie anyways. The lender said they would verify donor 's bank statement and after verification I should give the donor the money so that they can make a cashier check, where it appears the donor is giving me the money. Once house is close I give the money back to donor. I replied, " I will not lie about a fake gift ''. 
Rocket and FHA discriminated because I am XXXX and my Husband is XXXX and the Sellers have XXXX last names. Lenders received my bank statement twice and never told me that large cash deposit have 60 day policy. Office lender said, " I don't know how my underwriter missed this important information when you first submitted loan application ''. 
I feel the company pretends to give services to minorities to meet compliance regulations but do not intend on giving the minorities an opportunity to buy or sell property. This seems to be the case with me and seller two minority groups trying to buy and sell. Rocket Mortgage and FHA meet quotas and legal standards by offering services to minority groups legally but purposefully red line the groups in a very subtle manner because there end goal is to red line in a technically legal manner. Rocket Mortgage and FHA purposefully discriminated against me and seller by not disclosing proper closing procedures before closing process started instead of disclosing all information prior to closing process began.
Product: Credit card

On XX/XX/XXXX I had a hotel reservation. Me and My partner XXXX XXXX was at the hotel for the reservation. The hotel was overbooked and we were stranded in their lobby. The company still charged me for a hotel room that was not available. Not sure if this is bait and switch but at the very least I should be refunded the room. The company refuses to credit us they state if I cancel the reservation it is not refundable. However we did not ever cancel anything, it was overbooked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Monday, XX/XX/XXXX I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account Name : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

Account Name : XXXX  Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly? 

Inaccurate late payments like this are not only embarrassing, but they are preventing me from obtaining credit that I'm trying to apply for. I've already been in talks with some experts who have informed me that there are laws to ensure that credit bureaus only report accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditor 's part or both. 

I take this very seriously and I'm not going to stop contacting you until you remove this wrong information. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly. If it isn't done fast, I'm going to have to research what legal options are available to me against both you and the creditor. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

I am writing this because my Capital One Account was fraudulently charged for {$390.00} by XXXX XXXX on XX/XX/XXXX. 
Regrettably, whoever reviewed my case initially at Capital One failed to recognize that the supporting documentation provided by the merchant does not contain my name, XXXX XXXX, anywhere in it. Instead, this documentation repeatedly names XXXX XXXX as the person who authorized the purchase with my credit card information. 
This is the clearest possible indication that this charge is fraudulent, as well as the fact that the person who stole my information uses a personal address from Texas, which is nowhere remotely near my own address in Pennsylvania. Lastly, this person provided their own personal email address to the merchant, which can be seen on page XX/XX/XXXX in the supporting documents, and that clearly does not match my personal email address either. 
I do not have any additional documentation regarding this case because I never authorized, cancelled, or attempted to refund this purchase or anything of a similar nature. That said, this supporting documentation is clear evidence of the fact that I am in no way responsible for this purchase and that I am a victim of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXt XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

In XXXX our family experienced a financial set back. We discovered our home had XXXX Sheetrock and had to rent while we waited for our home to be made safe again for our family of XXXX. I reached out to Navient/XXXX XXXX in XXXX when I could not keep up with my private student loan payment, asking for some sort of grace while we continued to deal with our financial crisis. They informed me that there is no help for private student loans. We eventually got to a point that we had to choose between living expenses and student loans. We stopped paying Navient/XXXX XXXX. We finally had resolution for our housing crisis last XXXX. Now that I am ready to deal with XXXX XXXX, I am overwhelmed by what I face with them. They have added multiple fees and Faithfully report each month negatively on my credit report.
Product: Debt collection

Hello, so Ive been trying to contact XXXX XXXX to pay a debt that I have with a closed account with them. The credit card customer support never answers. Ive been calling for about a month now every other day and I get no answer at all. All I get is We are closed try again at a later time Im really trying to purchase my home and I havent been able to get this debt taken care of because of them not answering me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several requests about my addresses are incorrect. I have submitted several requests for them to remove medical collections as well as collections less than a {$100.00}. These requests are in vain. I have only lived at 2 addresses in the last 20 years and they are reporting on addresses that are incorrect. The information they are reporting from Collection Agencies which bought the debt is against FCRA guidelines. I wish to have these Collection Agencies removed from my Credit Reports. Lastly, they are all reporting different scores as well as different information. My XXXX report states the higher higher number and XXXX and Transunion is 3-5 points lower.
Product: Debt collection

I have was sued by a company representing XXXX. i have paid my debt to XXXX over ten years ago. i recieved a letter stating i own interest and penalties on an account i have paid in full. i received the lawsuit saying i was sued for something that was paid off over ten years ago. i sent them letters trying to clear up the matter but nothing has been returned to me besides additional court filings. please delete this nonsense off my record and my name since i dont know owe XXXX anything. i have not had a debt with them over 10yrs and more. i dont know who else to contact to clear this nonsense off my name the company representing XXXX is Greater CA Financial Services. after 10yrs GCFS legal department decided they want to scam me for money. please help clear this matter off my name
Product: Prepaid card

I have been locked in and out of access to my rush card and account since XXXX/XXXX/15. I have called the Rush Card Company numerous of times just to be hung up on or stayed on hold for and hour. Since then I have been struggling to get food for me and my children, I 've had to think of ways to make it back and fourth to work because no access to money to get gas. I have missed XXXX weekends of moving my furniture out of storage including each week I have been charged fees to pay just to get my things and now unable to pay them. I have not been able to pay the rest of my car note, unable to go to my eye appointment because of the {$100.00} fee that is needed and now I have developed and ulcer in my right eye that needs antibiotics to cure or it will get worst. My phone was stolen and now without any money I ca n't get mobile and I have XXXX jobs in which XXXX jobs require me to have a phone so I ca n't resolve that issue ether. I have been reading were this problem was fixed and I have been calling them since Tuesday and the automatic system is saying that my card is not activated in which I never put in a request for a new card. I 'm stressed out to the max and have been having more then XXXX and I 'm just over all the lies that they have told me since XXXX/XXXX/15. As of XXXX/XXXX/15 was the start date that I have had no luck with speaking to anyone at Rush Card regarding my issue.
Product: Debt collection

I've contacted all 3 bureaus and they are not responding to the dispute letters that the dispute company has been disputing all negative items on my credit report. I've advised i should not have to get a police report. Aint no way they discriminating and don't want me to have good credit. I've called all 3 bureaus and advised them those negative items are not mine. Its been way over 8 months and no one has responded to none if the disputes that has been sent to them. Everything has been certified and still no communication. They are not doing their jobs. As per the fair reporting agency they supposed to respond within a reasonable time..its been way over 8 months ans I haven't got anything. Also as per the fair credit reporting act if a collection was sold it is no longer mine. So again all negative items Needs to be removed off my report..
Product: Credit card

I was a victim to fraud for a huge amount and didnt have access to my money because it was fraudulent used. I am now asking that i have paid my balance in full, will you please remove the late payment charges from my name.
Product: Debt collection

This morning I was notified by my credit monitoring services that I had a collection placed on my account from AT T Mobility thru SUNRISE CREDIT SERVICE XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX I called XXXX XXXX XXXX  they know nothing of the debt ( they say my account is and has been current ), I called the company and they say the bill is for an address in Massachusetts ( I believe ). I do not currently live in, nor have I ever lived in, Massachusetts. I have called the credit bureaus and notified them of the same. 
A few years ( about 2 ) ago my employer XXXX XXXX XXXX XXXX was hacked with XXXX and my data was compromised as a result. I believe this is a result of that hack.
Product: Debt collection

A " company '' referred as the XXXX group is constantly calling my phone and my parents phone from XXXX different numbers in XXXX different cities stating that I owe a debt from XX/XX/2010 that was paid off two weeks after taking it out. The gentleman on the phone told me he did not care if I had to pawn me and my children 's valuables try needed the money. No matter how much I told them I need this in writing and that the loan was paid they threatened to garnish my car wages and bank and I was being sued in civil court for fraud. I told them that there is proof and I needed an address for the company to get this all straightened out and was refused that also.
Product: Credit reporting or other personal consumer reports

I have been trying to log into my free credit score.com and they have my XXXX blocked and I dont know why and my Score isnt updated. I have called all three bureaus, they said it will be updated and nothing has changed, its been weeks now. On transunion the score isnt updated, and I still have items that isnt reporting, correctly. My Experian isnt reporting correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is erroneously reporting a fraudulent inquiry on my credit report. The inquiry shows as XXXX XXXX XXXX, and after several attempts to resolve this issue via phone conversations, disputes, and documentation being sent. The account still appears active as of XX/XX/23. The account has been reporting since XX/XX/23 and having been done as identity theft, I would expect Transunion to safeguard my personal security but has failed tremendously.
Product: Credit reporting or other personal consumer reports

For the past 9 months, I have been sending dispute letters to this company however, for every dispute letter that I've mailed to them I sent as certified mail for tracking information. However, every time the dispute letters have been delivered I keep receiving an email from them stating that they received my dispute letters but do not believe it was sent by me. However, all of my letters were sent with the appropriate verification documents required by the law. Additionally, every time I call them regarding the email and to verify the letters for a dispute, the representative tells me that once their system flags the documents for this reason they discard the letters so I will not be able to submit them for a dispute once this happens. I've also called and submitted a complaint with a representative over the phone and this issue still occurs.
Product: Credit card

They was a credit card in my name and I have no idea where it cant from.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, 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. 
The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. 
XXXX XXXX XXXX amount {$410.00} XXXX XXXX XXXX amount {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these accounts are violating my rights. 

XXXX ( Reference Number XXXX ) XXXX  XXXX  XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Account Number XXXX ) XXXX 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: Mortgage

We applied with Keep Your Home California ( KYHC ) hardest hit fund for assistance with foreclosure. We were approved on XXXX XXXX, 2016 for the Mortgage Reinstatement Program to bring us current on our payments. Wells Fargo received the funds from ( KYHC ) on XXXX XXXX, 2016. They mailed us a statement to make our XXXX payment. On the statement it gives different payment options. By phone is XXXX option that we tried and their system would n't allow it. Taking the payment to any local branch is another option that we tried on Wednesday XXXX/XXXX/16 and it was blocked from making a payment. The branch manager called them on the phone and was given the run around. They finally put a rep on the line to speak to me. She stated that the hold on the account would be removed on Friday XXXX/XXXX/16 to make my payment by phone or come into the branch to make my payment. I came back on Friday and again could not make my payment. The manager assisted me again and placed a call to them. It was a long wait before they got somebody to speak to me. a representative got on the line and referred me to the Trustee, which is the foreclosing agency that has an upcoming scheduled sale date on my property. I informed the Wells Fargo rep that I spoke to them on Wednesday and they told me that they get their instructions from Wells Fargo. I asked her to put a supervisor on and after a very long wait, someone got on the line who said she will look into it and give me a call. We want to be able to make our payments moving forward and keep our home.