23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

When applying for the loan we disclosed we had childcare expenses. 

We were preapproved, and not long after we put an offer on a home and it was accepted. 

Our lender sent us disclosures the childcare expenses werent on there, when I asked him about it he said it didnt matter that they were wrong, we just needed to sign the forms to move forward, so we did. 

Well now on XXXX theyre saying we do not qualify for the loan and we would need to pay down points and debt to qualify. 

My issue is they knew about the childcare well before we put an offer on a home, and they didnt figure it in to our loan amount. 

They are unwilling to work with us, at this point weve put {$2500.00} down for due diligence, weve paid inspections and had the appraisal done. 

I dont know if they were trying to be shady about the childcare or what, but we did everything right and everything we were supposed to and I do not feel they acted in good faith. 

I feel like they purposely excluded the childcare to get a sale, and once it came down to it, they got caught when they realized they actually legally need to Include it, but instead of blaming themselves or fixing the situation theyre trying to make us fork over almost $ XXXX just to qualify. 

This is not okay, we dont know what to do. I spoke to my lawyer and she told me to contact CFPB. 

I hope someone can help us. 

Thank you, XXXX XXXX
Product: Credit card

Im added as an authorized user on a an account I dont know anything about. Its My wife account and I did not give permission to be added as authorized user.
Product: Credit reporting or other personal consumer reports

" To Whom It May Concern, I am writing to dispute a hard inquiry on my credit report that I believe is inaccurate. Specifically, the inquiries dated XX/XX/XXXX and made by [ XXXX ]. Along with XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX. I did not apply for credit with these lenders and have no knowledge of these inquiries and I am requesting that this inquiry be removed from my credit report immediately!
Product: Credit reporting or other personal consumer reports

I found an unauthorized credit inquiry on my report that I did not approve or request. This inquiry is harming my XXXX XXXX. Despite contacting the creditor to dispute it, they have not shown proof of my consent or removed the inquiry. I am asking for its immediate removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late with on any payments with Capital One, It has a XX/XX/XXXX late payment reporting on my credit report on all 3 bureaus. I have been a loyal customer since XXXX. I never had a history of late reporting, however there is a history on my reporting XX/XX/XXXX which I dispute. I never disputing XX/XX/XXXX because I thought it was a oversight. The one from XX/XX/XXXX it really seriously affecting me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 'S findings indicate that Zelle has not only neglected to protect Consumers, but has also allowed repeat offenders to use their system.
Product: Checking or savings account

At XXXX XXXX  I received both a text message & an email from SoFi stating that for my protection all deposits, withdrawals, transfers, and debit card purchases are currently restricted and to contact their fraud team at XXXX. It further states in the email that if you leave a voice message before XXXXXXXX XXXX XXXX a member of their team will return your call within XXXX XXXX. 

I called at XXXX XXXX  and left a voicemail, and again at XXXX XXXX. I still have not received a call back from them and my funds are still frozen.
Product: Debt collection

I am currently applying for an apartment and I was denied because of " a past due rental balance. '' When I requested the report, I see a " Collection Alert '' from Consumer Collection Management for a balance of XXXX dollars. The date placed is XX/XX/XXXX. I filed Chapter XXXX bankruptcy in XXXX and this debt was discharged. I am not seeing this debt on my credit report, but it is showing up my XXXX XXXX XXXX. 

I contacted the company and after I gave them my information, the associate became very rude and said that she can not talk to me. She told me to talk to my lawyer. I tried to ask her why this was on my rental bureau when it was discharged with my bankruptcy, she told me she can not talk to me and hung up the phone. 

Their phone number is XXXX
Product: Debt collection

XX/XX/XXXX I spoke with an agent ( XXXX XXXX ) from RMS-recovery and stated that the debt is not mine and I am calling to dispute it and would like to know the steps needed to take to dispute and remove it from my consumer report. The agent insisted that the debt was mine and also that it is valid saying that I have a responsibility to pay them, and I told them that I would like written communication of the described debt and that is the only way I want to be contacted from this point forward via mail. Also, I am not making any payment arrangement nor am I claiming this debt is mine. 

on XX/XX/XXXX I wrote a letter stating that this debt is not valid nor is the described debt mine. I am not claiming liability for it and it should be removed from my consumer report. I have a certified mail receipt # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Received a letter from XXXX stating the described debt which was only a bill from the original creditor, then I received a phone call from XXXX XXXX. then she began to harass me while I was enjoying my vacation time with my family for XXXX. Literally 3 days before the holiday. Stating that I need to pay that debt. I told her that I am not responsible for that debt and I sent in a letter in the mail. She then spoke over me saying that I will mark this debt as a refusal to pay and you will face penalty charges and fees and it will affect negatively on my consumer report and hung up the phone on me. I then began to call the company wanting to speak with the agent about the debt but then she continued to pass me off to a different agent over 3 different times. I had to speak with a different agent to describe the situation and I explain to them as kindly as possible that I would not like to ever be contacted by phone from this company ever again and that they need to remove their negative information from my consumer report. I've never been treated with so much disrespect in my life. this is illegal and they also violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2020 XXXX XXXX XXXX XXXX # XXXX ) add a derogatory mark on my credit report per identity IQ. upon, further research, this account was transferred/ sold and i am no longer responsible for the account. Debtors ' creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA ( XXXX XXXX XXXX XXXX # XXXX ) has violated my rights as a consumer and i am requesting legal action to remove this account immediately.
Product: Bank account or service

Bank of America did it again. I checked my account at XXXX yesterday, saw that it was overdrawn by XXXX, I went to the ATM and made a deposit for XXXX to clear up the negative balance before processing so that I would not incur any overdraft fees, which I can not afford. I looked at my account this morning, and they posted a check OVERNIGHT, REORDERED the processing, as such the Check cleared ahead of all of the other debits which were processing previously, which again made my account negative and I incurred now XXXX overdraft fees instead of XXXX. If the check was processing earlier in the day why did it not show up on my account online. Instead I believed only the other debits were pending based on what showed up on my account online, otherwise I would have deposited enough to pay all the transactions. Instead the check mysteriously appears the next morning, and AHEAD of all of the other debits, when it is too late for me to make a deposit. This is clearly a strategy by Bank of America to collect more fees from working people. This is ridiculous, I am switching banks.
Product: Credit reporting

I sent a letter to TransUnion letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. TransUnion did n't remove the accounts they sent me a letter back saying that the items had been verified. I have requested an investigation and re-investigation on XXXX 2016, XXXX 2016 and again on XXXX, both times my request were ignored. I am asking that these accounts be removed as they are fraudulent and XXXX request to be investigated have been ignored.
Product: Student loan

I have tried MULTIPLE TIMES to get ahold of NELNET. I am being told I have paid and I haven't paid and that my payments are overdue and that I am set up for AUTODEBIT. NELNET IS STILL SAYING IM OVERDUE. NELNET is adding interest and telling me that I am NOT paying. I would like to pay my student loans and I would like to find a service provider who is actually good at customer service! I AM LIVID. My next step will be getting a lawyer. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for a mortgage loan to XXXX. Information reported is from XXXX XXXX, and it was resolved and removed from my reports. Information reported corresponds to XXXX XXXX. The dealer by LAW may not be changing the information to harm the consumer. Account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr. Cooper negatively impacted our credit score. They stated that we gave a late payment. We filed a complaint with Mr. Cooper, showing all payments made early or on time and supplied bank statements verifying those payments. Mr. Cooper also has not applied payments that were made on XX/XX/2023 in the amount of {$1800.00} and {$1300.00}, which total {$3100.00}. We believe they have these payments in a hold account, but show no record of it. Our bank statements show both payments were processed by Mr. Cooper. We have also been paying {$100.00} for 9 separate payments for late fees totaling {$930.00}. Our payments were not late. Our credit scores were impacted negatively by this error. 

Mr. Cooper response " We have conducted an investigation and did not find any error in your payment history. In order to research your request, we reviewed the payment history and the information you provided. We found that all payments you provided proof of have been applied to the account appropriately. As of the date of this email, your loan is due for the XX/XX/2023 payment. '' If Mr. Cooper would have actually researched our payment history and bank statements as they claim, they would see payments made on time along with the added fees.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at, account opened at XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX under the account XXXXXXXX XXXX XXXX XXXX account XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under XXXX U.S. CXXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Mortgage

Paid XXXX XXXX XXXX for a loan modification. He constantly called and asked for money to be sent to him through XXXX XXXX and through gift cards. XXXX XXXX claimed he worked for the underwriting department of PHH. XXXX started out by asking for XXXX to lower my mortgage payments since my husband passed away. He continued to call and insist that I purchase gift cards from XXXX and send him the payments over the phone. Enough is enough I finally call the Police and made a police report.
Product: Checking or savings account

I received 2 emails around XXXX saying that an application for checking account with Bank of America was submitted with another email 2mins after saying that it has been approved. When I checked my bank account ( I have an existing account with Bank of America ), I saw a checking account created ( with {$0.00} balance ) without requested by me. Since then, I have notify Bank of America to close the account and start an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey back on XX/XX/2020 I had applied for different XXXX cards and they had denied me but said if I can prove within 90 days there information was inaccurate they would approve me under the fair credit reporting act and reverse the decision. The application # was XXXX & XXXX. I will send you my transunion score and utalization they said was high but it's only 2 percent so was looking for them to reconsider. I'll also send you letters they sent me saying utalization was the issue I knew they were mistaken. I called today they said transunion I need to contact. Transunion said everything is good and I need to tell XXXX  that but going around in circles.
Product: Credit card or prepaid card

Date XX/XX/20 {$190.00} XXXX XXXX XXXX XXXX XXXX CA Chase credit card service decided that the charge is valid. But I disagree with their decision because I have never authorized the amount charged. I provided that recipt of the invoice that it says amount is {$0.00} and XXXX from XXXX XXXX promised to give me a refund since they did not have parts to fix but chase thought the charge is still valid.
Product: Credit card

I got an email from my XXXX protect my ID That the Bank Of America opened a credit card without my authorization
Product: Payday loan, title loan, or personal loan

Was overcharged on interest from the beginning, XX/XX/XXXX. Was never given any type of repayment schedule at all. A {$500.00} loan was taken out XX/XX/XXXX which I never received. Another {$500.00} loan was taken out in XX/XX/XXXX which I never received. And another {$300.00} loan was done inXX/XX/XXXX to which I never received nor authorized. I spoke to the manager, XXXX XXXX and to the district manager, XXXX. They both treated me like I was stupid .I asked for all my copies they had. It took me 5 days to receive them. My copies and their copies some to not match as far as initials on some and signatures are either missing or have been whited out. 
The times and dates on one contract are stamped way after XXXX. The store closes at XXXX XXXX sharp. 
I have checked The ARS STATUTES here in Arizona which they have violated. ARS 44-291, ARS-44, TRADE AND COMMERCE, STATUTE OF FRAUD, along with the U.S. code 's. 
I have all this documented neatly in folders. It very lengthy, but if you would like to collaborate further I'd be more than happy to to show you or a judge. 
Please feel free to communicate as I am also writing to the Attorney General, the Governor, the news media until someone stands up to the plate and help me hit a home run. 

Thank you .... 
XXXX XXXX
Product: Debt collection

I have paid off several debts with pressler and pressler a debt collector. however they keep sending communications about debts which have been closed.I believe they keep my name on file to operate a scam. whenever I make contact with them and try to get verification of the debt they refuse to corporate.The debts I have already paid were beyond the original amount owed.They often carry out their scam under the protection of the sheriff deputy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello CFPB, My name is XXXX XXXX. I am writing about a company named Persolve LLC. I first heard of this company in XX/XX/XXXX. I found out through work that they were going to garnish my paycheck for a debt I never heard of. The amount totaling in {$6300.00} plus {$0.00} cents per day interest ( A ). I didnt know what to do or where to go. So I called this company asking for proof and that I have had identity thief and dont believe I owe them. They flat out told me I wasnt entitled to that information and it didnt matter because they got their garnishment. Finally he told me it was a metrix card ending in 4 different numbers. They couldnt tell me the card name, what company it was anything. So I pretty much just hung up. They were taking about {$600.00} a month I filled for a exception and when I explained to the XXXX Officer I dont believe this is real he sent me this typed up letter that I supposedly sent back in XX/XX/XXXX. I find this letter to be fake I marked it ( B ) as my first questionable piece. The fonts dont match its not addressed to anyone and I dont believe or remember writing it. As time went on I talked to a lawyer who told me this claim was denied a handful of times until they submitted something in XX/XX/XXXX ( B ) is what I attached for you. I finally figured out that was suppose to find my way to XXXX XXXX for a court day which was not going to happen because they were taking all my money. They kept sending letters to my house and finally when the court day came near they sent it to the wrong address. I feel they did this on purpose I have envelopes ( C ) which I also attached. Needless to say I missed the court date. I dont understand how they can sue me in XXXX XXXX when I live in XXXX and have never lived in XXXX XXXX. My exception came back and the court knocked it from {$600.00} a month to about XXXX. In XX/XX/XXXX I got another letter stating I owe them once again so I called my payroll and asked what was going on they informed me back in XX/XX/XXXX the sent a court order to stop the garnishment ( D ). Which I have also attached for you. Now its XX/XX/XXXX and I got a call from my payroll again because they are taking me back to court now for the amount of {$5800.00} plus {$1.00} interest a day ( E ). I dont understand how this can happen? How can they take my money with no proof? How can they sue me in another city? I am so lost and dont know what to do.
Product: Debt collection

A purchase was made on a XXXX 's credit card approximately four years ago. The purchase was in the amount of about {$40.00}. The charge was paid by personal check through the mail, and did not get posted to the account until several days after the due date. This resulted in a late fee which was more than 50 % of the original purchase. Negotiation attempts were made to settle the fee with no success. The credit company continued to bill the late fee while adding additional fees and interest on top of the fee ( not the original purchase amount ), which ultimately reached an amount of {$310.00} as the balance stands today. The amount trying to be collected is now with a credit agency, Credit Control , LLC. They are requesting a settlement amount of {$140.00}, but again, the original purchase was paid in full which was just {$40.00}.
Product: Credit card

XX/XX/XXXX I received an email from USAA stating that if I applied for the credit card by XX/XX/XXXX I would receive 0 % interest through XX/XX/XXXX. I applied through that Email XX/XX/XXXX XXXX. I charged {$7500.00} to that card XX/XX/XXXX. 

I have now been charged interest in both XXXX and XXXX. 

I have called 4 times and both times the resolution team can see I applied during an offer of 0 % interest. But that has been XXXX  effort to correct the interest I have been charged totalling {$260.00}. 

I have forwarded them the email twice to prove that is the offer I received. But It seems I have been bait and switched. They offered me a 0 % interest offer and then left me with 21 %
Product: Checking or savings account

Hello, I was a victim of fraud on Thursday, XX/XX/2023 where an individual asked if I authorized a transaction for a XXXX where I said no, in turn they pulled up my account and stated they needed to connect me elsewhere, so XXXX connected who claimed they were with the US Marshalls called me from a number XXXX claiming someone has been using my name to open accounts, and do illegal activity such as money laundering and drug trafficking. At this point Im scared out of my mind and unfortunately does what he says such as going to XXXX withdrawing {$500.00} of my money and placing it on a money card and giving them the card number after saying it would be used for authorization purposes for when I get a new social security number. I will be filing a police report this week.