23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My Husband and I went through bank of America for a loan to purchase a home. Prior to making an offer, we approached XXXX XXXX XXXX at BOA to see what we can qualify for and get pre-qualification. After our visit and presentation of all the requested document, he issued us a loan application number ; XXXX and told us we are good to present our offer from BOA to the sellers agent. At that point, we contacted an agent XXXX XXXX to represent us as we began the process. We also gave {$5000.00} to be held in escrow as our commitment to the home. 
With no pending reason for a denial because we had a credit in the low XXXX 's, and sufficient amount in the bank to cover for approximately XXXX-XXXX % of our purchase price, we proceeded. 
one days prior to close of the loan, the Bank of America Home service specialist, called us saying that the loan will not be approved and asked if we have " more money to put down '' very devastated as this was only approximately a day prior to close and us receiving keys. 
He proceeded to tell us that the initial loan he thought would work for us, which was a XXXX loan ( he called it a XXXX. Loan ) was not possible and that he did n't know it was for only XXXX. He was asking for another almost XXXX after we have showed proof of over XXXX that we had set aside for this home. 
We contacted the seller and our agent of this grave disappointment and then proceeded to check out other options as we were told that BOA is notorious for such practices. 
We went with XXXX who offered us a jumbo loan with better terms. But as loyal bank of america customers which we have been since we were married, we wanted to give them another chance since they had all our information and we wanted to close in a timely manner. they promised and appealed with us that they would match the Credit Union Offer and we again believed them and cancelled our application with XXXX to come back to bank of America. again the same thing happened. two days before close of escrow, and us receiving the keys, Bank of America again called and said they could not close the loan and wanted us to furnish about 1 year of home payments verifiable in our account in addition to 25 % down payment. 
they had switched the script on us so much that we could not get the loan or the home that we felt very confident we could afford and had very strong credit and work income. We make over XXXX year and have great credit but for whatever reason, this incompetent banker or the inefficient methods of bank of america home mortgage department caused us much grief, disappointment and shame. 
To worsen matters, our {$5000.00} deposit to the escrow company has not been refunded and we need this amount refunded. We did not chose to abandon the process we could not qualify and get approval for the home we wanted to buy and we see no reason why our deposit to the escrow company is being held. Please we need this rectified and this mischief and thievery addressed with the Escrow company XXXX XXXX and Bank of America. 

Thanks
Product: Credit reporting or other personal consumer reports

I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.
Product: Credit card or prepaid card

This is the complaint regarding the XXXX credit   card. The clothing store XXXX. 
I made a telephone payment for about {$14.00} on XX/XX/XXXX, which is also the due date for that billing cycle. However, I was told by the XXXX credit card supervisor that payment was posted on the account on XX/XX/XXXX XXXX therefore there is a late fee {$30.00} was charged. Today, XX/XX/XXXX, I made a phone call to XXXX, they are not willing to remove my fee. And informed me that I must pay it otherwise there will be after late fee and interest. I had them to cancel my credit card now, until we settle down this case. she also stated that even I cancel the account, there will be late fee and interest to put in the account if I don't pay on XX/XX/XXXX. 

This is not fair to the consumer at all if a credit card company keep rolling up the fee like a snow ball.
Product: Debt collection

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} Reason : Identity theft Please remove this from my credit report. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$93.00} Reason : Identity theft Please remove this from my credit report. 
Account Name : TELERECOVERY Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$61.00} Reason : Identity theft Please remove this from my credit report.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Fax XXXX XXXX XXXX Account Manager XXXX XXXX. 
Case Number : XXXX Last Name : XXXX XXXX Phone Number : XXXX ext XXXX Regarding : He is calling for a personal business matter. 
w XXXX  XXXX XXXX Paid Off Account XX/XX/XXXX {$7400.00} XX/XX/XXXX {$300.00} Automatically payment withdraw from Wells Fargo account Account gets and outstanding balance of {$300.00}. 

Customer ask to reverse {$300.00} back to Wells Fargo but the money never made to his account. Customer called inquire about the reverse status of the account XXXX  XXXX XXXX representative instructed customer to contact his bank Wells Fargo. 

Wells Fargo re ensure money never made to the account and reverse the charge. 

XXXX  XXXX XXXX Open a investigation and issue a letter stating that : " They issue the refund and is wells Fargo responsibility to conduct the research. '' Because XXXX XXXX XXXXXXXX claims that customer was refunded and reverse charge occurred on XX/XX/XXXX. Costumer account reflects a negative balance of {$300.00}. 

XXXX XXXX XXXX Letter is attached.

Customer call wells Fargo Multiple times and customer is inform WellsFargo never received the money but they can't provide documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today around XXXX XX/XX/2022 I called Experian as I noticed I have disputed my XXXX Retail Credit account twice in 3 months and they do not do any due diligence when the company responds. I have been given no proof they have even answered. Today I was told that is how it is. If they ( XXXX ) do not want to respond they do not have to or even update my account properly the Experian representative said today. I have settled this account in full. It is still showing derogatory and past due. I have other accounts I have settled in full and those accounts are updated correctly. 

I have documents to upload and of course it never works on Experian. When I called XXXX they put the blame on Experian and Experian put the blame on XXXX. This is extremely frustrating. 

Experian is a leader in the industry and this situation they seem to not want to be bothered. This is the 1st time I have had such a issue with them and hate having to do this. They have always been the better reporting agency.
Product: Checking or savings account

On XX/XX/2021, there was non authorized withdrawal via XXXX  of {$2500.00}, {$1000.00}, {$7500.00} from my checking account. Another non authorized withdrawal via XXXX of {$3000.00} & {$500.00} was made from my another checking account from the same bank. 
I called my bank and promised to refund me temporally why they continue the investigation but later said they can not do any thing about it
Product: Student loan

I have {$44000.00} in private loans through Navient. Navient wanted my payment a month to be around {$600.00}. I am a single mom and can not afford this amount. I tried contacting Navient to negotiate a lower monthly payment because of my income situation. They basically were extremely rude with me and told me well I owed them alot money and asked me why could n't my dad pay it because he had cosigned them. I explained to them that again, I am a single mom and only make around {$1200.00} a month and after I pay all my bills, I do n't have {$600.00} to give them. Also, my dad retired and my parents live paycheck to paycheck. They do n't have the funds either. Yes, I know its alot of money and its not my parents responsibility it 's mine. They told me that I needed to pay that amount or I would have serious consequences. They wanted me to set up an automatic payment and they could get my payments down to {$480.00}. Again, I told the gentleman, I could n't afford that amount and again he got rude with me and that was the end of our conversation. Well, they continued to harass myself and my parents by calling multiple times a day and making threats. Even calling on Saturdays and Sundays. Eventually, I was able to get ahold of someone after my loans went into default because I was only paying around {$200.00} a month, which is what I could afford, who worked with me and got my payments all group together, supposedly, and got it down to {$200.00} a month. The phone calls stopped for a little while, but then they started up again. We answered the phone after these harassing phone calls had been going on for a couple months, multiple times a day and found out that the reason they were calling is because XXXX of my loans had n't been put into the repayment plan because supposedly they were the smallest of my loans and therefore, could n't. I did some research and these loans are not the smallest of all my loans, XXXX is but the other is not. Since I did n't realize that these loans were not in my repayment plan, they are way past due. Navient is now threatening to take legal action and try to take my parent 's house away. I do n't know what to do. I realize this is a lot of money and I will pay it back. I just need time and I need this harassment to stop!!!
Product: Checking or savings account

I am filing a complaint With the CFPB regarding Capital One failure to deposit my direct deposit from my employer in any other incoming deposits. Capital one has cited technical issues which may violate the electronic funds transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns About consumer protection laws, And I request your assistance In investigating this matter to ensure my rights are upheld. Thank you!!
Product: Credit card

Hello. 

I have been a customer of Wells Fargo since XXXX. Around XXXX, at the age of XXXX, I was approved for my very first credit card with a {$5000.00} limit. As someone in their young XXXX 's and fresh out of college, I quickly maxed the card. But conveniently enough, they immediately upped my credit limit to {$7500.00}, around XXXX. I don't have access to statements that far back. Over the years, I've gone through phases of paying down and spending, paying down and spending, wash, rinse, repeat. Then, in the spring of XXXX I had a child. My priorities quickly changed, I took a good look at my finances and made a plan to pay off my debt in hopes of raising my credit score and to start saving for a future home. 

Here 's a full breakdown of how I paid off my entire balance within three months : In XXXX of XXXX, my balance was {$5400.00} with a minimum payment of {$150.00}. 
I made a payment on the 13th ( three days early ) for {$4600.00}, bringing my balance down to {$860.00} ( I have all of these statement attached for reference ). The new minimum payment was now {$84.00}. 
In XX/XX/XXXX, I made an on-time payment of {$100.00}. My new minimum was {$24.00}. 
In the month of XX/XX/XXXX, my payment slipped my mind and I was charged a {$25.00} fee -- fair, I forgot. 
I've made late payments in the past, but have never had a delinquent balance. I have a 100 % payment history according to XXXX XXXX, XXXX, etc. 
I work in the XXXX XXXX and my income is quite variable, so I've never had automatic payments. However I did quickly realized my slip-up and made a {$72.00} payment on XX/XX/XXXX and then paid the remaining balance of {$740.00} on XX/XX/XXXX. Bringing my balance to {$0.00}. 

Somewhere between my missed payment on XX/XX/XXXX, and the statement I received on XX/XX/XXXX ... my credit limit was lowered from {$7500.00} to {$950.00}. 

I did call customer service after seeing this to question their decision, and if my memory serves me correctly, the reasoning was because of " missed/late payments '' and " a lack of activity on the card '' as well as a " lack of deposits into my checking. '' The lack of activity of the credit card is clearly because I was trying not to incur any more debt, but my checking account should not be relevant to my credit limit. What if I never had a checking with them or used another provider for my primary checking? And to reiterate, yes, I've had late payments, but NEVER delinquent payments. 

Feeling defeated after this call, I dropped it because I didn't know where to go from there. As much as I wanted to close the account out of frustration, I didn't because I knew how much it would affect my credit score, on top of how much it already had by lowering my available credit by {$6500.00}. This bureau was only brought to my attention a few days ago, hence my filing of this complaint after so much time as passed. 

To me, this entire course of action was predatory. I was given this crazy credit limit as a young XXXX year old woman, and then as a XXXX XXXX XXXX, trying to better myself for the life of my child, I was egregiously penalized.
Product: Credit reporting or other personal consumer reports

All three of the credit bureaus are reporting different payment history and last reporting date. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThey are reporting also different payment history on each one but has since been updated to paid as agreed XXXX XXXX XXXX XXXX XXXXXXXX each bureaus reporting different account ratings-term length-account type-date opened-payment history XXXX bureau are reporting different payment history- All three of the credit bureaus are reporting different payment history and last reporting date. XXXX XXXX They have two accounts/update to paid as agreed XXXXThey are reporting also different payment history on each one but has since been updated to paid as agreed-update to paid as agreed on account holders account please update on as I am the authorized user XXXX XXXX XXXX XXXX XXXXXXXX each bureaus reporting different account ratings-term length-account type-date opened-payment history-Delete from reports XXXXeach bureau is reporting different payment history-update to paid as agreed
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report that isn't mine. Please remove it.
Product: Credit reporting or other personal consumer reports

I am writing to inform you of the violation of my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b, as well as my victimization of identity theft, as documented by an FTC report on file Reference Number : 162936634. I kindly request your prompt attention to this matter and the immediate removal of the following fraudulent accounts from my credit report. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Unauthorized Inquiry : XXXX XXXX XXXX Inquire Date XX/XX/XXXX, XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is requested that all credit reporting bureaus be contacted and informed to remove said collection XXXX College or any other fraudulent reporting from XXXX College from my credit reports. XXXX XXXX XXXX fraudulently reported that they are the original creditors on my loan account. This is false reporting ( FRAUD ), I never went to XXXX College, nor did I take out a loan from an XXXX College. 

According to the credit bureau 's reporting on my account, my score has been harmed over the last couple of years with my credit score dropping 44 points at one time in some instances. This has affected my credit rating and my ability to apply for credit, loans, and personal accounts. 

An account executive called from XXXX XXXX XXXX and implied that this loan was tied to a loan from XXXX College. My loans are in excellent standings, and XXXX College was closed due to fraudulent practices by the United States Attorney General XXXX XXXX office. Federal loan relief forgave private debt owed by students of XXXX College. 

Also see USA.GOV for further information on the fraudulent activities by XXXX College and XXXX College. 

I am asking that each credit bureau be contacted and the information supplied and attached be investigated against XXXX XXXX XXXX  who continues to open fraudulent accounts against me harming my credit profile and character. A Cease and Desist letter that is also attached was sent to XXXX XXXX XXXX requesting them to start reporing fraudulent activity on my account. If XXXX XXXX XXXX continues to falsely report on my account causing me further harm, I am asking the Financial Protection Bureau to  assist with the law suit that will be filed against XXXX XXXX XXXX per " CONSUMER LAW. '' I am requesting that all three credit bureau 's stop reporting this fraudulent information and restore my credit score back to its original standing from all credit reporting bureau 's. Forty Four points or more have been unduly deducted from my credit score and I am requesting it be reinstated. 

Please see all documents attached! 

Thank you for your assistance in this matter. 

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

2 Personal Loans from XXXX XXXX were recently paid off. The team @ XXXX XXXX indicated that they've provided updates to the ( 3 ) credit reporting agencies about the paid-off & closed account status ' however XXXX for example, has informed me that the status of my XXXX XXXX accounts will remain unchanged showing at least one account as open with a current balance as per the request from XXXX XXXX. 

Please see the attached email XXXX XXXX indicating that the accounts were paid in full and closed. I provided this information to the ( 3 ) credit reporting agencies. 

The delay in updating my credit report showing a {$0.00} balance and closed account status is delaying my ability to complete the refinance of my mortgages since my credit report has incorrect information about the total amount of debt I currently have with the opened accounts. 

Account # : Loan 1 ending in # XXXX Loan 2 ending in # XXXX
Product: Debt collection

Had a medical procedure on XX/XX/XXXX. After insurance my out of pock responsible was {$250.00} I received notification of the bill in the mail. I paid bill in full via credit card by mail. The charge cleared my account on XX/XX/XXXX. Subsequently I received a bill from a collection agency representing the pathologist demanding payment in the same amount of {$250.00}. I paid this amount also via electronic check which cleared my account on XX/XX/XXXX. On XX/XX/XXXX I received an alert from Experian stating that my account had a negative remark. Upon review I see that there is an entry for {$250.00} in collections reporting as outstanding. Much to my chagrin as I am in the final steps of financing a home. This false entry has caused my credit score to plummet close to 100 points. I reached out to the collection agency and was advised that they would look into the duplicate payment. They sent a letter in the mail stating that the entry would be removed however they only report on the XXXX of each month. which is much too late for my mortgage process. I am praying that this does not cause a negative impact to my mortgage process however something tells me that its going to cost me in paying a higher interest rate. Of all of the times for this to happen ...
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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Product: Debt collection

Account has been paid in full, resolved and removed from all other credit agencies