23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After receiving a notice from XXXX ( via XXXX XXXX XXXX provider ) stating that they returned the check for the XXXX renewal policy due to late payment ( payment was due XX/XX/XXXX and it was received XX/XX/XXXX ), I contacted Rocket Mortgage to find out why the payment was late. They ( Rocket Mortgage ) stated that they never received the renewal policy for payment. Rocket Mortgage alleges they did not receive the renewal policy until XX/XX/XXXX. The returned check was dated XX/XX/XXXX. I requested copies of the correspondence they allegedly sent but I was not provided with anything, except an email with information to go through a subpoena process. 

I have a copy of the notice from XXXX stating they sent the renewal bill to Rocket Mortgage on XX/XX/XXXX. The mailing address was confirmed. 

I never received any emails or texts ( the typical way Rocket Mortgage communicates with me ) about any of this. They said they sent a notice via USPS but I never received it. I only received a notice stating they cancelled the lender place activity but that was after I received the notice of returned check from XXXX. 

Subsequently, I have had to secure a new policy with inferior coverage for {$600.00} more per year. That {$600.00} additional will be my burden for the rest of the life of coverage on my home. Rocket Mortgage would not even consider offsetting the additional cost I have now incurred.
Product: Credit reporting 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 Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX 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: Debt collection

I was originally contacted by collection agency in XX/XX/XXXX for a debt that I did not recognize, and agency threatened to report it on my credit. I requested validation of the debt and received back from them information about an XXXX  XXXX my adult daughter had. My adult daughter had XXXX insurance under my name. I was listed as who the insurance information is under. I was not the patient. I did not agree to pay for the patient. I did not sign the financial agreement. The copy they sent me was signed by the patient, not me. I returned the documents to them pointing out I was not the patient, the insurance information is under my name and that I did not agree to pay for the patient, nor did I sign the financial agreement they enclosed a copy of. I never heard back from them again. I received a notification that my credit score dropped in XX/XX/XXXX and I requested a copy of my credit report and found the collection agency is reporting this debt as a collection record against MY credit. I immediately disputed to all 3 bureaus. The collection agency falsely confirmed to all 3 that it is indeed MY debt! I also wrote to the collection agency at the address listed on the credit bureau and received my letter returned not deliverable as addressed. They are ruining my good credit and my job could be jeopardized by my credit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry listed on my credit report that I believe is unauthorized. The inquiry appears on my report and I have no recollection or authorization for this inquiry.
Product: Credit card or prepaid card

I have discovered that coinbase offers no phone support for their credit card, only for their trading platform. My coinbase credit card was stolen and fraudulent charges are ONGOING. All I can do is email them, and they may get back to me in a week or so they say. How is this acceptable for fraud reporting? What's more, the trading platform support staffer told me that I had a to submit a whole new email ticket because the last one didn't even record my stolen card ( which I specified in detail ). On top of that, they told me to freeze my trading account ( which I've since learned was not necessary ) and I'm now locked out from doing any online monitoring of my card. Meanwhile my credit card is still active and ongoing for the thief out there to continue making charges on, even today. There's nothing I can do to stop it, and coinbase offers no recourse to stop it promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is supposed to be removed it was paid and I was told years ago it would be removed. I attached a paid in full letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is reflecting inconsistencies, inaccuracies, and invalid information. Any and all names, addresses, derivatives of names or information that is not below is inaccurate : Full Legal Name : XXXX XXXX XXXX XXXX Full Legal and Current Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/ Social Security Number : XXXX Attached are copies of my government issued drivers license, social security card, and proof of current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

From the months of XXXX XXXX-XXXX XXXX Ally Auto reported to the credit bureaus late/ Nonpayment, which is in violation of U.S. code 15 1666. I did not give any written consent or permission for any of those accusations to reported on my consumer credit report. No consent is identity theft and also unauthorized use. Ally Auto applied debt to payment, which is also against the law.
Product: Money transfer, virtual currency, or money service

my account was created on paypal nearly XXXX years ago and has absolutely no problems and it has been fine all the time. Now that PayPal asked for a photo of my ID, I have already attached it. After that, my account was permanently restricted and I was told that I am a minor, and this is completely untrue. I am not a minor. I was born in XXXX. This is written in my passport, which I sent to the verification center, and my date of birth is also written in my PayPal account. When I created the account, I think that there was an internal error that occurred. I have been dealing with them for XXXX years with all honesty and with all seriousness. Please, return my account to its previous status. I want my account back because my work was stoped for this problem. I hope you look at this problem with kindness and mercy. Thank you all.
Product: Student loan

I read about the lawsuit and I believe I was directed to get a forebearance or default before any other option
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I received my copy B of the IRS 1099-C form that was processed and accepted by the IRS for XXXX XXXX Account : XXXX, discharging this debt. My XXXX XXXX account has not been updated to reflect that this account is paid in full, I have not received title of the vehicle, nor has my credit report been updated to reflect that this account is paid in full. The responsible parties to insure that the proper rules are followed regarding the issuance of securities and who protects the interest of the investors are both XXXX XXXX XXXX XXXX XXXXXXXX and the indentured trustee XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX with XXXX XXXX and General Counsel, XXXX XXXX XXXX, as responsible signor. ( attached is the accepted Copy B 1099-C form )
Product: Credit reporting or other personal consumer reports

XXXX, TRANSUNION, XXXX, IVE REPORTED THIS MATTER TO THE XXXX HOUSE, YOUR COMPANIES NOT FOLLOWING THE RULES AND REGULATIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in a response to complaint # XXXX where Fair Collections & Outsourcing , inc asked me to complete an identity affidavit form. This collection is the result of an identity theft crime in which the original complaint contains the police report. Attached to this complaint is the completed identity theft affidavit FCO requested I complete.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA Experian is in violation of 15 U.S. Code 1681, S-602 right to privacy and violation of 15 U.S. Code 1681B S-604A, C-2 and violation of 15 U.S. Code 1666 B. Regarding the XXXX Noncompliance of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681., FCBA-The Fair Credit Billing Act is a 1974 federal law enacted to protect consumers from unfair credit billing practices. It enables individuals to dispute unauthorized charges on their accounts and those for undelivered goods or services. FACTA The Fair and Accurate Transaction Act amends the Fair Credit Reporting Act ( FCRA ) to help consumers combat identity theft ; establish national standards for the regulation of consumer report information ; There are multiple violations that Experian is now responsible for. Privacy Violations-. Experian performed Unauthorized credit inquiries without my written authorization. A CRA can not release your credit report to anybody. They can only give them to authorized persons. CRAs may disclose your report only to persons or entities that have a valid need, such as : creditors, property owners, insurance providers, utility companies, and employers ( only if you previously consented ). 


XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, 377 written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$1100.00} Highest balance {$1300.00} Terms - On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Current / Terms met 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days 120 Past due 120 days 150 Past due 150 days CO Charge off Payment history guide Charge Off as of XX/XX/XXXXXXXX XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX  90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX sold XXXX XXXX XXXX XXXX  Balance history XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Additional info Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$1100.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX statement Comment Current : Account previously in dispute - investigation complete, reported by data furnisher Purchased by another lender. 

Previous : Account closed at credit grantor 's request. 

XX/XX/XXXX Account previously in dispute - investigation complete, reported by data furnisher XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disagree the account listed below which still appears on my credit report even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. in accordance with the Fair Credit Reporting Act Public Law 91-506 title VI section 611 subsection A-D, please provide the name and business addresses of each individual with whom you verified the the information above, so that I can personally follow up. Please send me an updated Credit report after your re-investigation. 

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

Experian will not allow me to retrieve my security PIN online via their website, nor unfreeze online. Even their phone representatives will not allow asking knowledge based questions to ask for a new pin to be mailed out. 

I am moving in a few weeks, and the freeze needs to be removed to start electricity services. Therefore, I will be homeless and without a place to stay. 

It is unacceptable to mail sensitive documents during a global pandemic. They refuse to allow another method to send VERY sensitive documents. 

XXXX the agent I spoke with on XX/XX/XXXX at XXXX XXXX  EST denied providing any reasonable callback situation timeframe. She lied stating they would call back " standard time '' which is not a US timezone. She refused to clarify the situation with anyone. She also could not provide any other information for identifiers.
Product: Student loan

I have XXXX private student loans which have been included in many lawsuits for private loan forgiveness as the school has been convicted of fraudulent activities, misleading students, and providing a subpar education. By these actions and through the lawsuits that have taken place over the last 3 years, these loans qualify as such that should be XXXX under the ruling from the judge. The Navientagsettlement.com provides more details, however a {$200.00} check does not resolve the fraud from the loan company, or the fraud commited by the schools.
Product: Debt collection

I have been contacted by a company by the name resurgent about a web bank account ending in XXXX as well as a XXXX  XXXX account ending in XXXX which are not accounts i have opened. I have tried to dispute them via credit karma twice and it has went no where. i believe these to be from fraud. and would like them both removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ... NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied for a loan with my bank that I have been with since I was XXXX. The Manager at the Bank went over my credit with me and there are so accounts on there that are not mine and they are XXXX, XXXX XXXX and there is one account that don! have a name but It did have somewhat of an account number XXXX. There are also 4 XXXX student loans on there but there weird thing is that its only on XXXX. I dont even know how that Is possible being that I never graudated from high school. I have filed a complaint with the FTC and reached out to my local police. Can someone help im doing this on my own and need help.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to express my dissatisfaction with the services provided by One Main Financial. I have been a customer of your institution for some time now, and unfortunately, I have encountered several issues that have left me feeling uncomfortable and pressured. 

Firstly, I would like to address the matter of the unemployment insurance that was offered to me at the time of the beginning of the loan. I never felt comfortable with this option, as I firmly believe that, in the event of unemployment, I am fully capable of finding alternative employment promptly. I am the primary provider for numerous members of my family, and the idea of relying on insurance instead of actively seeking employment does not align with my values. 

Despite expressing my reservations about this insurance, I felt pressured by your representatives to consider it further. I feltthat if I did not accept the unemployment insurance, then I would not beapproved for the loan theway it was explained to me. This persistence made me uncomfortable and did not reflect a genuine understanding of my needs as a customer. I never knew that I had the option to cancel this insurance and get a full refund. I have been paying this with interest since the beginning of my loan. 

Furthermore, I would like to bring to your attention the repeated instances where I felt coerced into reapplying for a loan to potentially refinance my current loan. On multiple occasions, I disclosed to your representatives that my XXXX XXXX is low, and I expressed doubts about my eligibility for approval. Despite this, I was urged to allow One Main Financial to run a credit check to assess my chances of qualification. This pressure to pursue a course of action that I knew would be fruitless was both unnecessary and unwelcome. It demonstrated a lack of respect for my financial situation and a disregard for my concerns. I lost points with hard credit pulls on each occasion of reapplying for a loan on the following dates : XX/XX/2022, and XX/XX/2022. 

As a customer, I expected to be treated with professionalism and integrity. Unfortunately, my experiences with One Main Financial have failed to meet these expectations. The persistent attempts to sell additional products and services, despite my clear reservations, have left me feeling frustrated and undervalued.
Product: Debt collection

This seems to be a collection account for an emergency room visit that occurred when my daughter XXXX her XXXX on XX/XX/2013. I had never received notification of this debt. I found out when I applied for a mortgage for a new home for my family. XXXX XXXX XXXX neglected to submit the claim to our insurance company so, of course, the claim was never paid. I contacted them to have them submit these charges to XXXX XXXX XXXX XXXX of Florida. They said they could not do that and to contact Commonwealth Financial. Commonwealth Financial is either unable or unwilling to submit these charges to the insurance company as they should have been over five years ago. This should NOT be showing up on my credit report. As a divorced mother of XXXX, this is impacting our lives greatly as I can not be approved for a mortgage with one income AND this hanging out there. Please help my family and I and remove this account from my credit report ASAP so we can move on, both with our lives and into our own house. 

Thank You
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I am currently enrolled in college and my loans are not in repayment status. However, I would really like to keep my loan balance from growing during my enrollment by making small monthly payments. Nelnet does not allow for borrowers to set up auto-debit payments until they are in repayment status. I feel that this goes against all financial education best practices and discourages students from making payments. If auto-debit is an option for some borrowers it should be an option for all. Below is the exact wording from Nelnet when I attempt to set up auto -debit payments. 


" You are not eligible to sign up for auto debit because you do not have a payment due. When your loan ( s ) is in a repayment status or within six months of your next payment due date, please return to this page to sign up for auto debit.

If you would like to make a one-time payment, you may click Pay Now from the Payments menu item. ''
Product: Checking or savings account

I never received the documents to get my fair share of a resolution to the charges on my account. XXXX and {$49.00} to virtual downloads that did not work from XXXX XXXX. 
I was denied by PNC bank the never mailed me out any forms to fill out during the second time.
Product: Debt collection

I was referred to radiology clinic by my surgeon in XX/XX/year> for XXXX XXXX. Said he refer all the time cost about {$1500.00}. I went for consultation they said 3 treatments {$1800.00}. I filled out package and no quote was included to sign. Never sat with any financial consultant. When I was finished the front office asked if I had health insurance. And confirmed they could accept my provider. Few months after 3 sessions I see XXXX they billed insurance over {$6000.00}. 2 of the line items insurance had them remove. The billing made no sense. They charged them for much more than the XXXX treatments. They never could produce financial agreement as I requested because they didnt have one for me to sign. Had I known they would make these outrageous billings I never would have given them my insurance I would have done self pay for cheaper. I makes me so mad to think of the fraudulent charges they are doing to patients in real XXXX treatment.
Product: Debt collection

XXXX XXXX claimed they had a parking ticket for XXXX of my trucks. I wrote letters to the collection agency that contacted me and the City of XXXX. I expressly told this collection agency NEVER to contact me again. The City of XXXX gave me a court date. The ticket could not be found in the system and they dismissed any so called tickets. 2 days later the collection agency sent me a letter claiming I need to pay the ticket.
Product: Debt collection

Back in 2017 XXXX, one of the three credit reporting agencies leaked the data of XXXX XXXX Americans, including myself. Information leaked in this data breach included my name, social, date of birth, address, and driver 's license number. As a result of this, I have become a victim of identity theft, leaving my credit profile and overall credit score to suffer greatly. Your organization is currently reporting accounts that I have listed in my lawsuit with XXXX, I have attempted to resolve this issue with your company and I have yet to receive a response. Remove this account, If you refuse to remove this account from my credit file, my lawyer will be advised to move forward with a civil suit against your company. I will bring this information forth to a judge in my area, section ( 609 ) of the Fair Credit Reporting Act, states that all information listed on a consumers credit file, must be 100 % accurate.
Product: Checking or savings account

Bank of America took {XXXX} from my personal checking account and left me with only {XXXX} dollars in my account. My mortgage payment was scheduled to come out as well which caused my account to become overdrawn. My mortgage payment was returned and I have talked to over XXXX people at the bank and they still refuse to refund my money. I need to pay my mortgage payment.