23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Rocket Mortgage refuses to refund my {$500.00} " good faith '' deposit despite its pre-application promises and after it failed to disclose material terms and conditions about when it will refund the deposit. Last month, I applied for a 30 year fixed rate conventional mortgage to buy a condo located in The Bluffs subdivision in XXXX, XXXX After reviewing my financial and income records, Rocket Mortgage XXXX XXXX XXXX XXXX me to pay a {$500.00} " good faith '' deposit to lock in the XXXX XXXX interest rate. XXXX advised I was a prime applicant to be approved and that my deposit later would be applied to my loan. But otherwise, my deposit would be refunded so there was no risk in paying this deposit. XXXX failed to disclose that condo mortgage applications currently were much more difficult to get approved because of new federal government requirements on condo HOAs regarding entire subdivision repair and maintenance, as well as HOA insurance coverages. These new very strict requirements became effective a few weeks before my application and they were causing many condo mortgage applications from qualified buyers to be denied. XXXX also failed to disclose that, unlike other lenders, Rocket Mortgage currently does not offer any conveniental loan alternatives like portfolio loans despite how it's website indicates otherwise. Subsequently, XXXX advised the subject HOA for my condo did not meet the new federal requirements because it was still in process of repairing roofs for the entire subdivision. XXXX explained it wasn't enough that the HOA acknowledged its duty and responsibility and that it was in process of updating the roofs. Instead, Rocket Mortgage demands these tasks be fully completed before it will approve my loan. In a XX/XX/year> email, XXXX 's supervisor, XXXX XXXX, explained that despite the information currently set forth on its company website and how it used to offer alternative portfolio loans for homebuyers in my situation, that Rocket Mortgage will not do so for me for reasons unstated and unknown. XXXX stated Rocket Mortgage will not grant an exception for me and told me to find another lender. In an XX/XX/year> email, I asked XXXX about the status of the refund of my deposit. In a reply email, XXXX stated for the first time Rocket Mortgage refuses to give a refund. When I replied that I feel deceived, misled and lied to, XXXX enlisted XXXX who reaffirmed that Rocket Mortgage will not return my deposit. I would not have submitted a loan application had XXXX and XXXX told me the truth about the recent changes that apply to condo subdivisions and their HOA, and had Rocket Mortgage 's website contained current, accurate and honest information about lack of exceptions to these new rules and how it no longer offers alternative, portfolio loans. Rocket Mortgage is stealing {$500.00} of my monthly SSDI income based on lies, omissions, half truths and its misleading, deceptive business practices that violate the recent settlement decree in the Washington state multi-state consumer protection litigation. I am a resident of Ohio which was a party to that case.
Product: Credit reporting

Equifax is erroneously reporting inaccurate information regarding my real estate loan with CitiMortgage. My account is open, with a balance, and is in good standing. However, Equifax reports that it has a zero balance, inaccurate payment history and is not in good standing. XXXX and I have repeatedly sent Equifax documentation ( attached ) to provide them with correct information but they continue to report incorrectly. Equifax continues to report erroneous information on my account regarding this account. 

Attached : Equifax reinvestigation confirmation XXXX dated XXXX XXXX, XXXX ; My letter to Equifax dated XXXX XXXX, XXXX, XXXX of the letters that XXXX sent Equifax dated XXXX XXXX, XXXX.
Product: Debt collection

I have diputed this claim before. I have provided information to back my statements. I at no time recived : A explination of the claim, evidence or invoice explaining the claim amount, a right to cure. This fraudulent charge was added to my credit with no prior warning and 4 years later i still zero information besides the amount. The CFPB has looked into this, has sided with the creditor yet without giving me any explination. This is fraud plain and simple. I was charged 2 months rent after I moved out. I had no lease therfor no agreement to break which would be the only reason I would owe anything to these fruadulint scumbags.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax because I was not showing up at their credit agency. They had another person 's name tied to my social security number. That has now been resolved and my XXXX loan is showing up. My XXXX XXXX credit card is not and I don't have a credit score. XXXX loan shows the loan for 7 months but they still don't show a score. I have called Equifax through the month of XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

these acoounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft CAPITAL ONE Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXXXXXX 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 XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to express my deep dissatisfaction and frustration with Upgrade , Inc., with whom I maintain an account. I want to formally complain about their unjustified refusal to grant me access to my {$2000.00} credit line, even though I was only seeking a modest {$630.00} from my available credit. Despite my unwavering efforts to provide all the necessary documentation to enable this access, Upgrade has consistently failed to meet my request. This experience has left me extremely dissatisfied and inconvenienced. Furthermore, I would like to draw your attention to the fact that the United States Code Title 15, Section 1611, guarantees consumers the right to access their credit information and mandates that institutions such as Upgrade , Inc., must provide this access in a timely and nondiscriminatory manner. The deliberate denial of such access without valid justification constitutes a clear violation of my rights under federal law. 

As a loyal customer with an active account at Upgrade , Inc., I am entitled to access and review my credit information as provided by the relevant laws and regulations. Despite my full compliance with all of Upgrade 's documentation and verification requirements, they have unreasonably denied me this access, infringing upon my rights and causing me considerable distress. This is a clear breach of the legal obligations imposed upon them, and I am deeply disappointed by their disregard for the law and my consumer rights.
Product: Debt collection

My first complaint to XXXX was to establish, that I was not aware of opening any Student Loans in the XXXX of XXXX. However, I made between XXXX and XXXX payments, all in good faith, towards this Fraudulent ( XXXX  ) Student Loan at the time they were servicing this Student Loan between XX/XX/XXXX - XX/XX/XXXX. 
I complained to XXXX, this was not my Student Loan. At that time, I asked XXXX to give me any records of Disbursement of Funds, in my name, from XXXX XXXX XXXX. XXXX never provided that information. XXXX transferred or sold this XXXX XXXX to ECMC, between XXXX. I established a rehabilitation payment plan, again, IN GOOD FAITH, with ECMC, to try and resolve this Student Loan. 
I asked ECMC to provide records of Disbursement of Funds, in my name, from XXXX XXXX XXXX. ECMC told me the burden of PROOF is on my shoulders. I said, ok. On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX Financial Aid/Bursars office. 
They provided me with my Student Financial Aid record for the XXXX of XXXX. There are NONE, not one Student Loan listed, nor are there any Disbursement of Funds, allocated to me, in my name in the XXXX of XXXX. This is XXXX of the Fraudulent Student Loans and Corruption XXXX  was found guilty of. 
My Student Financial Aid record substantiates my claim. I have been Threatened and Harassed for 20 years - my credit score/report has been tarnished, by this Fraudulent Student Loan. I am asking ECMC, to withdraw, close and remove my name from this Fraudulent Student Loan, and to stop reporting this Fraudulent Student loan to all CRAs.
Product: Bank account or service

I was denied durable power of attorney over my XXXX-year-old mother 's checking and savings account due to a credit report. I was told I was at risk because of a cosigned student loan with my daughter that was in default which happened to be that with Wells Fargo. I was told that once this was cleared from my credit report then I could act on durable power of attorney from my mother 's Wells Fargo accounts. I have excellent credit and had no way of knowing this account was in default. This should not even matter. My elderly mother needs help with her finances and her bank has denied her that right of having me act as a durable power of attorney. All documents were recorded, certified stamped with seal as required by Wells Fargo. This denial took place at the XXXX South Carolina branch. After much research and phone calling, I concluded that this is the practice of Wells Fargo in general.
Product: Credit card

Around the dates ofXXXX and XXXX I noticed some charges on my credit card statement from places I did not even go. Especially the area XXXX XXXX. I requested to open a dispute and the dispute was denied because I didnt submit information and then I asked for more time to submit the information, I faxed the information over which included a signed statement saying I didnt authorize the charges, and a letter from identity theft website reporting someone stealing my credit card. After sending the fax I got another letter telling me my dispute was denied again based on the fact that I used my card at those places before. Which is not true because I specifically have never gone to XXXX XXXXso its frustrating. I tried to contact the disputed team but I never get a hold of them.
Product: Credit reporting or other personal consumer reports

There is only one address on my report that applies to me, I own and where I currently live. My information was stolen for a while now in New York, but I sort of have it under control. All these other addresses must be deleted immediately because this is false consumer reporting. 

Current and only address : ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) PLEASE DELETE AND REMOVE THESE INCORRECT ITEMS ( ADDRESSES ) 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 XXXXXXXX XXXX ( I googled this and it's a office space ) 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up a MyEquifax account long ago to freeze/unfreeze credit. Several weeks ago I tried to unfreeze my account and I couldn't access the account. I contacted customer support several times and they had to manually unfreeze the account. They kept giving me links to reset my account so I could do it myself but each time I received a message that " we are temporarily unable to complete the request. '' I tried to reset my password, and received the message : " No Account Found. '' I tried to set up a new account, and received the message, " Email already in use. '' I called again the next day, same routine, same message. And then again ... and again. Finally I demanded they resolve this, so they gave me a case number and claimed they kicked it up to the speciality department. I called back a week later, and they said nothing had changed. They told me they could not connect me to the speciality department. They sent more links to reset, same thing. Then I complained on social media and via DM an Equifax rep said someone would probably get back to me within 2 days to discuss my situation. A week later nothing. I can not understand why the company can't resolve this situation. Seems to be something is rotten in XXXX, er, at their HQ, wherever that might be.
Product: Credit reporting or other personal consumer reports

My vehicle was declared a total loss on XX/XX/XXXX after an accident. I was in regular contact with XXXX XXXX, the dealership where I purchased the car, expecting my warranty to be waived and my loan balance to be updated accordingly. 

Despite this, XXXX XXXX incorrectly reported late payments on my credit report for XXXX ( 30 days late ), XX/XX/XXXX ( 60 days late ), and XX/XX/XXXX ( 60 days late ). 

Key Facts of the Issue : 1. On XX/XX/XXXX, I made my final scheduled car payment. After that, I completed all required paperwork and steps related to my total loss by late XX/XX/XXXX. At that point, I was under the impression that my loan balance would be adjusted accordingly, and no further payments were necessary. 
2. XXXX XXXX did not process the warranty cancellation until XX/XX/XXXX, leaving an incorrect outstanding balance on my loan for months. 
3. XXXX XXXX did not contact XXXX XXXX until XX/XX/XXXX, despite the total loss being reported in XXXX. 
4. The final payment was sent from XXXX XXXX to XXXX XXXX on XX/XX/XXXX, clearing my account. 
5. Despite this, XXXX XXXX reported late payments to the credit bureaus, damaging my credit score. 

This was not a failure to pay on my part. It was a processing delay between XXXX XXXX and XXXX XXXX. If the warranty had been waived promptly in XXXX or XXXX, my balance would have been adjusted correctly, and no late payments should have been reported. 

Requested Resolution : - Immediately remove the late payment marks for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit report. 
- Ensure my credit history is updated correctly to reflect on-time payments. 
- Provide written confirmation that the incorrect late payments have been removed from all three major credit bureaus ( XXXX, XXXX, TransUnion ). 

I have already attempted to resolve this issue directly with XXXX XXXX, but they have refused to correct the inaccurate reporting. If this issue is not resolved promptly, I will escalate further. 

The confirmation of XXXX XXXX 's outreach to XXXX XXXX on XX/XX/XXXX and XXXX XXXX processing on XX/XX/XXXX was provided verbally in phone conversations with both companies. I request that XXXX XXXX review its internal records of customer interactions to verify this information. 

Attached Documents for Proof : - Proof of total loss date ( XX/XX/XXXX ). 
- Proof of my XX/XX/XXXX payment. 
- Proof of a {$0.00} account balance with XXXX XXXX This issue has caused unfair financial harm, and I expect immediate corrective action.
Product: Credit reporting, credit repair services, or other personal consumer reports

The last week of XX/XX/XXXX I contacted XXXX XXXX XXXX about deferring XX/XX/XXXX lease payment to the end of the lease agreement due to financial difficulties at the time. I was granted the deferral, and I was told by customer service that as long as the deferral agreement was received back in time ( XX/XX/XXXX ) that I would not receive a 30 day marker on my account. To begin, I was told the deferral agreement could not be sent through an email, but needed to be mailed to me. They spelled my address incorrectly, so it was delayed in getting to my residence. However, when I finally received the agreement, I sent it to XXXX along with a check for {$32.00}. They received the agreement and check prior to XX/XX/XXXX, and the deferral went through. However, when I went to get a pre-approval letter to purchase a home, I found out that XXXX had placed a 30 day derogatory mark on my credit. This mark is causing damages by increasing the interest rate on a new home that we are interested in. I contacted XXXX, and they are refusing to remove the marker even though I was told I would not receive a 30 day marker and their misspelling of my address delayed the deferral agreement. We fully paid off our lease in XX/XX/XXXX ; we owe nothing, so there would have been no point in going through a deferral unless it prevented the delinquent marker on our credit. The customer service I have received through XXXX  has been extremely poor, and I feel that I have been tricked by them. I have been a customer with them for ten years and have always been current on my account. If this does not get resolved ; they have lost a customer and I will seek damages.
Product: Debt collection

ALLY FINANCIAL ACCT XXXX XXXXXXXX XXXX  XXXX, XXXX, XXXX, XXXX TAX FOR XXXX ) Breach of trust {$500000.00} liability XXXX XXXX. subsection c laundering of money under XXXX XXXX, civil rights act XXXX, and trespassing. 
according to ( XXXX XXXX XXXX ) states : Any person who willfully attempts in any manner to evade or defeat any tax imposed by this title or the payment thereof shall, in addition to other penalties provided by law, be guilty of a felony and, upon conviction thereof, shall be fined not more than {$100000.00} ( {$500000.00} in the case of a corporation ), or imprisoned not more than 5 years, or both, together with the costs of prosecution. 
Tax owed by taxpayer {$38000.00} USD for constitutional violation acting in their personal capacity for violation against a flesh and blood man/woman, malicious prosecution based upon fraud, deception on bonds, XXXX, XXXX, XXXX Original issue discount Forms XXXX violation of XXXX, XXXX civil rights Acts. stealing XXXX funding 40 % of taxpayer money and putting it in a private XXXXXXXX XXXX and XXXX. 
The tax forms XXXX, XXXX, XXXX, and XXXX, were filed with the IRS on XX/XX/XXXX. 
Also, I have them mailed out a check for full payment of {$38000.00} to ally that was delivered to the on XXXX XXXX at XXXX pm After all, the discharge has been refused I then exercise my private right to rescind the transaction on XX/XX/XXXX, XXXX via overnight mail. XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX ] - right to rescind the contract On XX/XX/XXXX Ally financial without notice unlawfully stole my automobile from the parking lot at XXXX XXXX XXXX XXXX, XXXX Florida XXXX [ XXXX ].
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX