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

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account number 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed several inaccurate late payments on. my credit report that were not late.
Product: Mortgage

Since my time in working with Rocket Mortgage I have received poor service and have been taken on a ride. I started this process in XXXX and the company requested I take care of some XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which I took care of promptly. I was preapproved for a XXXX XXXX  mortgage {$170000.00} with a down payment of about XXXX XXXX and closing costs of XXXX XXXXXXXX. Then my name was entered on the original contract incorrectly by the company which XXXX XXXX noticed after reviewing the paperwork. As a result the company had to perform additional hard inquiries which cause my XXXX XXXX to fall to XXXX. In XXXX, I was told I was not able to qualify for a FHA Loan because I was granted a forbearance for my previous mortgage loan during the XXXX XXXX  era but have yet to be shown the requirement or rule is for that and why that was not discussed with me from the beginning. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) discusses this very situation and shows that I would be eligible for a FHA loan. The issue about the forbearance came up in XXXX and they knew from the beginning I was granted a forbearance and that my mortgage was never late or past due which was proven by the previous mortgage company. It seems like everything that was originally told to me was not true at all and put me in a bad spot once I finally selected a house. I selected the house based on what I was told upfront and everything suddenly switched and Im being told different information. I was now only approved for {$160000.00} with XXXX down payment and XXXX XXXX closing costs for XXXX XXXX. Which raises my XXXX payment about {$200.00} and increasing my XXXX ratio. I am very dissatisfied with how this process has been. My information being incorrect, dealing with professionals that are not familiar with their own industry, being told XXXX thing up front and then almost at the end of the process everything has suddenly change and no one can give me clear, concise answers. I have researched whether or not is forbearance during the XXXX XXXXXXXX era will disqualify a borrower from a FHA loan and I have not seen anything of that nature. Rocket mortgage has not adhered to FHA guidelines after advertising as such which why I came to this company.
Product: Student loan

Mohela is the worst student loan company I have ever dealt with. I have been asking, literally begging them, to report my payment history to FSA. They send me canned responses without helping me at all. I work all day as a teacher and can't call and sit on hold for hours and by the time I get off work, they are closed due to the time difference. They recently took over XXXX 's accounts and one of them has my missing payments. If they would report my payment history to FSA, my loans would be forgiven under PSLF. I have been explaining this to them so many times and no one ever helps me. It should be a simple easy fix. I have the payment history printed out from their website and they still can't seem to find the payments and report them. They are so lazy and no one there wants to help solve any problems. I need my loan history reported from my old XXXX and Mohela is the only one who has access to it. Mohela took over all of XXXX 's accounts in XXXX. I have the loan number and everything ready to go and not one person will complete this simple request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I received a phone call from this gentleman from the president office saying that XXXX is not going to be able to call me to resolve the complaint that was received by the cfpb and that theyre no errors on their side. Well, I told him sir there is because the letter never said that XXXX  XXXX is going to report a late payment to the bureaus, show me proof on the letter that you guys sent, show me proof that is all that I am asking for. 

The XXXX XXXX accounts which was three accounts that I had, I paid two of them in full, one was for a credit line of {$750.00} and the other one for  {$500.00}. I was offered by XXXX  XXXX during hurricane Irma help for all military and veterans that was affected by the storm, that they will waive late fees and we didnt have to make a payment for six months. So when I noticed that they reported me late to the bureaus. I called and told them that they put us in a program to help families that was affected by the storm, so shame on them and that is why I paid the two highest account in full and closed them. The accounts are currently in dispute  with the Bureaus and the FTC, I will make it my mission to, protect other family members not to get bamboozled by this big company. 

There is something call karma and I believe in it and I know I will get justice for the malpractice of XXXX  XXXX. You guys says that you help military families, please show me how, all I am asking is to remove the late payments from accounts that was in a program that you guys develop to help people and now you are punishing us. 
The accounts are paid in full, when I was made aware of the late payments reporting, you know what I did I made all of my payments before the due date and paid both accounts in full and closed it and now I have one active account with you guys with XXXX balance.
Product: Checking or savings account

I applied for a credit card with Chase Bank, and last Saturday, I was instructed to visit the local branch to complete the application process. Upon arrival, after identifying myself, the branch manager approached me and asked me to leave the premises immediately. The manager threatened to call the police if I didnt comply. This incident was extremely distressing, and no valid reason was given for this treatment. 

Shortly afterward, I received a notice from Chase informing me that I was banned from calling or visiting any of their branches. The notice also stated that my account was being closed. However, the notice contained significant errors, including misspelling my name, no address there raising further concerns about the accuracy of their actions. 

I have not been given any explanation for this treatment or the account closure. Given that Im now prohibited from contacting the bank via phone or in person, Im unable to get clarification directly from them. 

I would appreciate your assistance in resolving this matter and understanding why Ive been treated this way. Thank you for your attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

A home mortgage company requested a credit report from multiple banks. It was without my knowledge that they would request this from over 15 banks which ultimately had over 15 hard inquiries on my report. I have spoken to XXXX, Equifax and XXXX and all have mentioned that I need to have the bank/company remove this or write a letter acknowledging this. I have had no luck with this route as no company has responded to my claim. 

At this point, I feel if the 3 credit bureaus cant prove that I made these inquiries, they should be removed. This is not fair to the consumer, rather only fair to the large banking institutions.
Product: Debt collection

1. Please provide the actual credit card contract upon which your complaint is based on. 2. Please provide a contract, agreement, assignment, or other means of demonstrating that the plaintiff has the authority and was legally entitled to collect on the alleged debt. 3.  Please furnish reasonable proof, such as an original, or copies of the assignment agreement or assignment agreements, transferring the alleged contract and/or account in question from Capital One Bank over to XXXX XXXX XXXX to show an assignment has been made and that XXXX XXXX XXXX are the real party in interest. 4. Please provide a copy of the assignment between XXXX XXXX XXXX and Capital One Bank. 5. Please provide evidence /proof of Defendants alleged debt to Plaintiff, including specifically the alleged contract, between Plaintiff and Defendant or any other instrument constructed solely for the purpose of creating a loan agreement between Plaintiff and Defendant bearing Defendants signature and/or please produce the contract that legally requires the defendant to pay the amount entered into complaint. 6. Please provide the original or copy of the account agreement that states interest rate, grace period, finance charge, assignment, and specifically the state laws that the agreement and account are governed plus other important facts. 7. Please provide copies of the amount paid and/or the consideration due for the alleged contract/account. 8. Please provide evidence of authorization of Plaintiff to do business, create loans, issue or extend credit, collect debts and/or operate in the state where Plaintiff conducts their business. 9. Please provide evidence of authorization of Plaintiff &  Attorney to do business, create loans, issue or extend credit, collect debts and/or operate as a financial business in the State of California. 10. Please provide a document or document ( s ) that proves you did send Defendant a notification of assignment of the account or assignment of rights. 11. Please attach any and all notices sent to Defendant by Plaintiff in regards to this account demanding payment. 12. Please attach copies of all statements generated while this alleged account was open with Plaintiff. 13. Please attach a complete and accurate history of the interest charged on this alleged account with Plaintiff. Show the exact dates those interest rates changed and list the various rates that were charged during this debt. 14. Please attach any and all notices sent to Defendant by Plaintiff announcing changes in interest, fees or penalties and/or the terms of this alleged debt. 15.  Identify each Credit Reporting Agency ( credit bureau ) to which Plaintiff reported Defendants debt and the dates of each such report. 16. Please provide the original dunning letter that was sent to Defendant. 17. Please attach any and all notices sent to Defendant by Plaintiff in regards to account announcing transfer and/or assignment of credit card account from Plaintiff to any collection agency or collection attorney. 18. Please attach a copy of the agreement with Plaintiff that grants XXXX XXXX XXXX Attorney ( s ) the authority to collect this alleged debt.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint regarding inaccurate, false, and unverifiable accounts on my credit report that must be removed immediately. These entries are not only misleading but also violate my rights as a consumer. Despite my efforts to resolve these discrepancies, they remain on my report, causing ongoing harm to my credit standing. This situation has created undue stress and impacts my financial well-being, and I trust you will handle it with urgency and attention to consumer rights.
Product: Checking or savings account

Unable to link my financial account to other sources that I am able to receive money or direct funds into my account.
Product: Checking or savings account

Dont know exactly but I send money and it seems as if its being removed more than supposed to like its weird and I need my money back if so
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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry was made several times without my concent. Two times this year. One in XXXX and XX/XX/2018.
Product: Money transfer, virtual currency, or money service

Venmo is a service provided by PayPal , Inc. ( Venmo ) For many months I have made many attempts to cancel both my personal and business Venmo accounts and close them out definitely for good. Attempts have been made by online chat and countless times by email.

They of course store my name, my email, phone number, address, TAX ID and keep a copy of my ID and Business License and maintain the account open without my consent. 

They are without my authorization keeping my accounts open yet they repeatedly state, the accounts are " deactivated '' yet they store my information for their own convenience. Because my business and personal accounts are frozen and remain permanently restricted I can not stop them from spamming me with emails which I have repeatedly ask them to please stop. I am being ignored and I need this to stop. 

XX/XX/XXXX - Account Deactivated I have received countless spam emails in between the account deactivation and today. 

On XX/XX/XXXX I made attempts to cancel my account with no success. I asked them again in the past few days to close it. On XX/XX/XXXX they refused twice.
Product: Checking or savings account

All actions are from XX/XX/year> to today 's date. It includes a government check from XXXX after I cashed it they froze my account. Please help. I think this company is fraudulent .... just wish I knew that before linking XXXX XXXX XXXX account to moneylion. 

Moneylion customer service is non existent and I can't get this issue resolved.
Product: Credit card or prepaid card

On XX/XX/2022, I called American Express to inquire about canceling my card because I was unhappy with the benefits and customer service. The representative informed me that I had already paid my annual fee. I explained that, in that case, Ill keep my account open and requested a new card to be sent to my mailing address since my card had expired a few months back. The representative took down my new mailing address and informed me that the card would be delivered between XXXX XXXX XXXX 

Days passed and I did not receive my card. On XX/XX/2022, I called back and spoke to a XXXX named XXXX from XXXX XXXX. XXXX told me that I didnt receive my card because I closed my account. I told him that I did not consent to my account being closed. He said that on XX/XX/2022, I requested for the account to be closed through their automated machine. XXXX explained that, even though I continued by speaking with a representative, my account had closed because I requested to close my account. I told him that I did not confirm any closure of my account and I only requested to speak to a representative to discuss closing my account. XXXX said he would look into the complaint and call me back in three days. He specifically said he would look into whether it was my fault the account was closed or if it was a Company mistake. He assured me that he would call back and I should not call. He never called back. 

On XX/XX/2022, I called American Express and spoke to a different representative. The Representative said that my account had been closed and there was nothing that could be done. The Representative said that the internal notes indicated that there was an investigation and the account had closed because I requested it to the automated service. There was no detail she could provide me. I kept asking her what the details of the investigation was and she had none. Because I closed my account through the automated service, it wasnt American Expresss fault and I would have to pay a fee to reinstate my account.
Product: Checking or savings account

On XX/XX/XXXX, while I was at work, I received a text message stating it was chime notifying me of an attempted purchase on my account for XXXX in the amount of {$390.00}. I have received these types of text messages from Chime in the past I was asked to reply yes or no if it was me or not, I responded no. I received what looked like an automated response that they were going to contact me. I received a call, the person sounded legit and stated he was with Chime fraud services and was stating that my account was hacked by perpetrators in XXXX, GA. He kept stating that the app and cards were accessed and that he has new cards being sent to me. He put me on hold to speak to his supervisors to make sure that my account was flagged and so that no more fraudulent transactions could take place. He told me that I needed to reset my account because they were able to get into my app. He walked me through a series of steps to reset my account, stated I needed to send the money to a new account to prevent further breeches. He stated the account number will look like a phone number and told me that the notes needed to state XXXX XXXX 1 for chime app reset as soon as he walked me through the steps to send all my money, he hung up! I immediately called chime and they stated they would investigate. The next day, I received an email stating that no error occurred and they would not be helping me. I lost all the money that I have to take care of myself and my children and I have no help from anywhere else. I saved money so I wouldnt get behind on bills and when my kids needed something, it would be there.
Product: Debt collection

XX/XX/2019 - sent letter regarding HIPAA violation XX/XX/2019 - Omega RMS sent response with credit application. The signature on the credit application is not my signature. I supplied a copy of my drivers license to confirm my signature. 
XX/XX/2019 - Sent another letter for debt validation requesting the following : *Please attach a copy of the agreement with your client that grants Omega RMS the authority to collect this alleged debt. 
*Also, please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. 
*Please attach a copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. 
*Please attach copies of all statements while this account was open. 
XX/XX/2019 - Omega RMS sends the same credit application package. Again, the signature on the credit application is not my signature. I supplied a copy of my drivers license to confirm my signature Can you please have Omega RMS supply the above requests giving them authorization to collect this debt from the original creditor?
Product: Student loan

The lender offered DEFERMENT for in SCHOOL enrollment.

Document was submitted verifying the in school enrollment.

LENDER expects payment and threatens to report me to credit bureaus, reneging on its contractual agreement for IN SCHOOL DEFERMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had started service with this Equifax to monitor my Credit. When I called on the  XXXX  of  XXXX   2017  to cancel my service the  Office w as closed. On Monday the  XXXX  I called to cancel which was done. All access was cancelled on that day. On the  XXXX  I checked my wife 's account, and they 've charged her account {$19.00} which caused an overdraft fee of {$35.00} from her bank. We submitted an online dispute the day that the fee and charge posted on the account. Today the bank denied the dispute because they had already charged my Account. I reiterate that I have no service with them, and can not access the Product that I am being billed for.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX added a fraudulent account that I do not recognize. Convinced me to pay a settlement when I later realized I do not own the debt. It is now currently being disputed I have not supplied proof under the doctrine of estoppel by science, Engelhardt v, Gravens ( mo ) 281 SW 715,719 I presume no proof of the alleged debt nor therefore any such debt, in fact therefore exists Account is SIF and per the FCRA 15 U.S.C. 1681i, if an account is showing unproven, non-compliant, incomplete, untrue, Incorrect and unverified aspects and the alleged derogatory account must be negated in its entirety, or the accounts are to be completely deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mines, my identity was stolen and compromised years ago snd and the result of that has affected my credit files with unknown and unauthorized accounts. I'm demanding that the 3 major reporting credit agencies remove these accounts. 

1 ) XXXX  XXXX XXXX  XXXX 2 ) XXXX  XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX  XXXX XXXX  XXXX XXXX 5 ) XXXX/ XXXX XXXX  6 ) XXXX XXXX 7 ) XXXX  XXXX XXXX XXXX 8 ) XXXX XXXX 9 ) XXXX XXXX XXXX {$20000.00} 10 ) XXXX  XXXX XXXX 11 ) XXXX   XXXX XXXX XXXX  12 ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information is being reported by XXXX XXXX XXXX XXXX, Equifax, XXXX, and XXXX. 
As of XX/XX/XXXX, there has been no activity. Despite being charged off, this company continues to make bad faith and erroneous reporting of this account to lower my credit score every month. Latest reporting XX/XX/XXXX. In light of this malicious activity, I have been unable to obtain housing in accordance with the Fair Housing Act because of the hardship resulting from it. 

I am looking for an immediate remedy and sanctions against this company and XXXX XXXX XXXX XXXX XXXX for violation of The Fair Credit Reporting Act 609/623/611. 

XXXX XXXX XXXX XXXX Equifax Account # : XXXX Account Type : Revolving Account Type - Detail : Credit XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$600.00} No. of Months ( terms ) : 0 0 0 High Credit : {$640.00} Credit Limit : {$0.00} {$500.00} {$0.00} Past Due : {$600.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Charged off as bad debt Account closed by consumer Credit line closed - consumer request - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
Account closed at consumer 's request Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX