23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit card or prepaid card

I signed up for the XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX under a promotion - 5 % back on up {$6000.00} in purchases. Two statement periods later and the bonus cashback still hasn't been applied to my account ( the base is 1.8 %, the bonus is an additional 3.2 % ). I last called on XX/XX/XXXX, and was told the bonus was on queue and would be on my account " soon '', but that this would be " escalated ''. I attempted to call again today ( XX/XX/XXXX ), but the hours on their website are invalid, and I was not able to speak to the company directly. Citizens Bank is not honoring the advertised promotion.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. My letters have been disregarded and Ive been receiving letters from the bureau stating Im using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$220.00} XX/XX/XXXX Experian : XXXX XXXX Account Number : XXXX {$300000.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$86000.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$220.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$86000.00} XX/XX/XXXX
Product: Student loan

Unfortunately I need to jump on the bandwagon to complain about collection policies of Navient Corp. Since being acquired from XXXX XXXX, this organization has repeatedly called home, work, cell phone numbers for me, my daughter, and my wife, regarding student loan payments advising we are delinquent, payments never processed, or partial payments missing, etc. We have and continue to make monthly payments as agreed to via their/our contract. We are not financially able to XXXX or XXXX our repayment amount, nor can we afford to make repeated duplicate payments when they misappropriate funds. Originally, we had selected an automatic payment withdraw from our bank account, which failed terribly as they made unscheduled withdraws for our bank account, leaving over-drafts on our account ; or the withdraw would not be registered to our account requiring us to make duplicate payments. We have since changed our payment to manual so we are able to process a monthly payment to record it has occurred on time. Almost daily we receive XXXX or more calls stating our account is delinquent - to the point this monotony has become harassing. I have repeatedly requested to speak to supervisors, or frankly, someone in a US office who can intelligently manage a call. My requests are ignored, and the individuals make threatening statements and hang up without resolving my questions. I know they will call again later in the day or next day, and the process repeats. This organization has damaged our credit ratings by identifying our payments are not current. We have requested written statements from this organization - they have NEVER sent any document from which we could coordinate a review. But the harassing calls continue. We teach our children the responsibility of securing loans to support college education, and reinforce the need to make timely and complete payments so they can move on in their lives after graduating with good credit ratings. This company has made the student loan repayment process a nightmare. Unfortunately I see multiple years of this nightmare ahead for my family as my daughter re-pays her obligations, and as my son XXXX in 2016, simply to begin his own torture. I have followed the potential lawsuit targeting Navient and applaud any efforts the CFPB makes toward resolving this lenders inappropriate actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 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. 

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: Money transfer, virtual currency, or money service

Paypal is trying to hold my money {$430.00} for 180 days after all the items I have sold have been confirmed delivered. Paypal wants to hold my money to XX/XX/2018, which is ridiculous. Paypal is not paying me any interest for the amount of time they are holding my money. I would like my money released today. I have called and tried to reason with Paypal on 2 occasions, but they are uncooperative. My paypal account email is XXXX XXXX
Product: Vehicle loan or lease

Ally Financial Services Account # : XXXX In accordance with FCRA, this creditor has violated my rights under 15 USC 1666b, a billing error, as I have a right to privacy, per 15 USC 1681 Section 604 ( a ) ( 2 ) ; moreover, it reads that a consumer reporting agency can not furnish a consumer 's account information without my written consent/instructions, as Ally Financial XXXX reported alleged late payments for the months : XXXX, XXXX  and XXXX, XXXX to the credit bureaus, XXXX, XXXX and XXXX. Therefore, I am requesting intervention regarding the removal of same from my consumer report. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Friday, XX/XX/2019 I contacted XXXX and they said the account is too old to for them to collect on the account, make a settlement, or pursue legally and therefore, they unable to take do anything with the account. They said If I make a voluntary payment by mail which will renew the account making it possible for them to pursue collection through the courts. 2nd call Friday XX/XX/2019 XXXX said the principle balance is {$460.00} ( total balance is {$770.00} ) and therefore not eligible for a 1099-C form. They would not let allow me to settle the account. They said the account is past the statute of limitations. Monday XXXX XXXX The operator said that they do not know if a 1099-C will be sent to me and that even if it is the charge will not be removed from my credit. I demanded the for or removal and the operator said they do not do removals and if any payment are made it would be voluntary on my part. This would then make the account active and allow them to take me to court. I asked for a supervisor and one was not available.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the employer, XXXX on my transunion report, under Employer. I have never worked here. 

Please correct my name, XXXX XXXX XXXX on my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Mortgage

I have a conventional fixed 30 year mortgage and have been making extra payments on the mortgage to get the loan paid off quicker over the past 6 years. My current LTV of the original purchase price of the home is currently XXXX %. The " scheduled '' XXXX % LTV passed on XXXX XXXX, 2016 for a cancellation date. 
I have requested Bank of America to cancel the PMI. They are refusing and requiring me to get another appraisal done on the home for the current value. But the law said it is only for the original value of the house for the PMI to get taken off. I have always paid my payments ahead of time with extra payment to the principal. I have never missed or been late with my mortgage payments and I have excellent credit with a score around XXXX. 
I am tired of wasting money to this bank for PMI when I should n't still have to be paying it. If they do n't resolve this issue, they are going to lose this investment and my business with my other accounts at Bank of America. I will refinance with another bank for my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2016 I enrolled for a program through XXXX XXXX for XXXX tech when enrolling they stated I had 30 days to cancel. Before my 30 days up i called and stated I was no longer intrested in the program and asked if it culd be cancelled and the represenative stated that it was ok. So I left it was that.. and a year later come to find out the account was sent to collections, first I went through one agency then later that was removed from my credit report which was a relief because I had told them to cancel it. But now its showing up on my credit report through a now diffrent collection agency who kepts reporting om my credit. The name of the agency is " ABILITY RECOVERY SERVICES , LLC. The original creditor is XXXX XXXX ... I do not have account info becuase i disgarded all the paper. APPRECIATE YOUR ASSISTANCE!! 
email address is XXXX XXXX
Product: Credit card

Woke up at XXXX on XX/XX/2023 receiving emails about a credit card being opened and approved in my name. This was false as I did not open a credit card. The individual was attempting to make changes with the contact info and whatnot. I am on the line with Fraud Support, but chase made it very difficult to speak to someone as you need the account information to speak to them and I did not have it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent activity : repossession occurrenceXX/XX/XXXX never reported to minimize being reviewed for the companies poor credit practices. Account closed due to repossessionXX/XX/XXXX with fraudulent late payments of 120 day lates reporting forXX/XX/XXXX thru XX/XX/XXXX. Fraudulently reporting a repossessed closed account from XX/XX/XXXX as an open installment as of XX/XX/XXXX.
Product: Credit reporting

I HAVE SUBMITTED THE PAPEERWORK AND DOCUMENTS AND THE CREDIT BUREAUS HAVE TOLD ME TO CONTACT THE CREDITORS TO DEAL WITH THEM REPORTING INACCURATE INFORMATION, AND INFORMATION THAT DOESNT BELONG TO ME.
Product: Mortgage

We currently are have a mortgage with the money source. I am XXXX, my spouse is a XXXX veteran. We got behind cause my hours at work were not what they typical would be. We got behind in the mortgage. 
I reached to my mortgage company, we submitted a modification request which was suggested to me. We were denied due to them saying application missing a page but no one communicated that to me. We resubmitted application. We were told during this process not to make a payment so we didn't. Go more behind. I went and ahead & made payment last month. Found out today, we are denied again. I asked the next option. They said a repayment plan over 3 months or 6 months. I Said okay I can't do 3 months. They said, you'll have to feel out application for the XXXXmonths. I said okay. I said whats protecting my house until I know if I'm approved, they said nothing. 
I tried to make my normal monthly payment, they said since I'm on no assistance plan, they can only accept the total amount of {$10.00}, XXXX. 

This is ridiculous Please help
Product: Vehicle loan or lease

On XX/XX/XXXX, my identity was stolen by representatives of XXXX XXXX, specifically Finance Manager XXXX XXXX, who secured a loan from Flagship Credit Acceptance without my consent for {$28000.00}. On that same day, I purchased a used XXXX XXXX XXXX, granting XXXX access to my credit for the transaction. However, they subsequently misused my identity to obtain a loan from Flagship and assigned my contract to them without my approval. Flagship, believing I owed them money, unlawfully repossessed my vehicle, despite never providing evidence of a legitimate loan. 

XXXX XXXX improperly classified my purchase as a motor vehicle transaction for XXXX tax purposes, without my consent or full disclosure. When I raised these issues with XXXX XXXX, he ignored me. Additionally, XXXX XXXX failed to provide the legally required notice of rescission, substituting it with a deceptive notice to cancel. This serves as my notice of rescission due to identity theft, fraud, and lack of full disclosure.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the handling of my private information by XXXX, XXXX XXXX XXXX, XXXX, and Experian all of which identified as consumer reporting agencies under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ). I have ordered reports and spoken with representatives to handle these multiple infractions before submitting this complaint. As a consumer, I am entitled to ensure that my personal information is treated with fairness, impartiality, and respect for my right to privacy, as outlined in the aforementioned section. 
According to 15 USC 6801, financial institutions, including furnishers of information to credit agencies, have a continuous obligation to respect the privacy of their customers and safeguard the confidentiality of nonpublic personal information. I believe that ( Furnisher of information to credit agencies ), classified as a financial institution, falls under this obligation. However, I have not provided written consent for the disclosure of my information to XXXX and Experian, and I want to make it clear that any previous consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 
Referring to 15 USC 1681 section 604a ( 2 ), it is stipulated that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have not given my written consent for the disclosure of my information to these consumer reporting agencies. 
Additionally, under 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to non-affiliated third parties unless the consumer is informed of their right to exercise the nondisclosure option. I have not been informed of this right by ( Furnisher of information to credit agencies ). 
Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report without authorization. The reporting of adverse information without my permission is a violation of this provision. 
According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, a person is not allowed to furnish inaccurate information to a consumer reporting agency. XXXX and Experian must ensure the accuracy of the information they receive, and I have reason to believe that inaccuracies exist. 
Lastly, in accordance with 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time. 
I expect a prompt investigation into these matters and a resolution that ensures compliance with the relevant statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I recently refinanced my home through Rocket Mortgage ( Quicken Loans ). I was told my loan was due on the first but I had until the XXXX to pay before my loan will be considered past due. 

It was going fine with auto pay until Rocket Mortgage ( Quicken Loans ) decided to change the date for their billing statement to the XXXX of the month. No advanced notice was given that if I did not change the date of my auto pay that I would be considered past due. 

It was not until I received my last billing statement in the mail that my loan showed that I was past due by one payment. 

I consider this a deceptive practice by Rocket Mortgage ( Quicken Loans ). If I now had to show my billing statement to someone in order to obtain a new loan it would show that I'm late by a payment. 

I contacted Rocket Mortgage ( Quicken Loans ) and they advised I'm not really late and it just shows that I am on the statements. This makes absolutely no sense. If I'm not really late why are my statements showing that I am. Since I am very concerned about what is on paper along with what my credit report shows this has forced me to move my auto pay date to the beginning of the month. Moving the auto pay to the beginning of the month also forces me to move up my payment by one pay check which impacts my overall budget. 

Rocket Mortgage ( Quicken Loans ) should be ashamed of themselves for such an underhanded and deceptive practice. They advertise a mortgage experience engineered to amaze and this definitely does not fall into that category. I'm completely disgusted by this billing experience. 

I would like my mortgage statement fixed to show that I was never past due since according to them I'm not and it just shows that I am. 

It makes me wonder it they think they move the statement date up that they can have more funds on hand sooner to originate more loans. If this is not the case I would like them to explain why they would do this.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 XXXX credit was denied for reasons that arent supported by factual evidence. XXXX XXXX XXXX XXXX is a company Ive never dealt with or has/had ever heard of until today in which without my permission is furnishing unauthorized data which isnt accurate. In result of their improper furnishings Ive been denied access to credit that Im entitled to, in addition the furnished information isnt valid, causing me a XXXX XXXX  for their improper furnishing
Product: Checking or savings account

My account has had double purchase and payment deductions on more than several occasions throughout my business savings and personal accounts along with overdraft fees. 
This company has been very cunning and tricky with the accounting summary. 
VERY
Product: Mortgage

I chose RP Funding as the mortgage company I wanted to use for my refinance of my home based on commercials saying they would cover all closing costs. I owe XXXX on my home, and am looking to refinance for a larger amount to buy another property for cash to live in or possibly flip to resell. I was also going to be putting 20 % down on the new property out of my own savings account which left me with a loan amount of $ XXXX. I was pre-approved by RP Funding for this amount and was told put the deposit down on the new property for XXXX. XXXX XXXX guaranteed that I would have no problems getting this loan due to my high credit score and also my low mortgage on my home. I completely trusted her and let the loan process take place which lasted XXXX XXXX months which was way longer than I was told. The process took so long because over a month later, XXXX XXXX called me to ask all the questions about the loan all over again like I was reapplying! I thought that for the entire month I was waiting on underwriting to process this loan but come to find out XXXX XXXX at RP Funding did NOT do her job! I was furious because I had to ask for an extension to purchase the new property. At this point, I have XXXX invested in the new property and l am starting the whole process over again with RP Funding! She asked for all my information yet AGAIN and now I am waiting on underwriting. I was told by XXXX XXXX that we could close by XXXX XXXX. Once again I waited over a month, having to ask for another extension to purchase this new property for cash from XXXX XXXX XXXX. They gave me another extension based on my proof of funds from RP Funding. XX/XX/XXXX comes around, I am concerned about closing on time because I do not want to loose my XXXX deposit. I called XXXX XXXX at RP Funding numerous times. She decides to finally return my call the day before I am suppose to close and tells me that underwriting came back with a counter offer that is XXXX short of the loan amount that I need! I do not have time to come up with another XXXX out of my pocket on top of the XXXX that I am already putting down in less than one day! Because of RP Fundings mistakes of lack of communication, loosing all my info after starting the process a month later and then telling me the day before they guaranteed I would close on the new property, I have now lost XXXX on my new purchase. I am devastated and furious at this point so I call the COO of RP Funding, XXXX XXXX and explain what happened. She says she is going to open up an investigation about my case. She promised to contact me after about 4-6 weeks to let me know if RP Funding was in fact wrong and would return the deposit money to me. Its now been 8-10 weeks, and I have called, emailed SEVERAL times and I have been completely ignored. RP Funding does not care to return any of my calls, emails and have completely ruined my chance at purchasing anything else in the future. I am very upset and demand an answer from RP Funding.