23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of trying to fix this with the company. I sent a letter to them on XX/XX/2021 and Im waiting for a response. After finding out my credit score went down dramatically and my information was shared on the dark web, I checked my report and found false claims of debt. One was with XXXX the cable company saying I owed them a debt of {$230.00}. I have never had an account with XXXX so I know this is false and it is not me.
Product: Mortgage

Dear XXXX, I am writing in regard to a Home Equity Line of Credit with US Bank that was given to me, but I never had the need to use. Just to give some background. 
- I had first mortgage with US Bank. {$200000.00} ( A/C # XXXX ) - A Home Equity Line of Credit ( HELOC ) with US Bank as well. {$48000.00} ( A/C # XXXX ) I did have the HELOC ( which I am seeing was taken to be a second mortgage ), but never used the amount for any purpose whatsoever. At the house closing, I was charged a pre-payment penalty for both the first mortgage which was pre-paid before the 5 years was up - I can understand that since the XXXX amount was active and used and was cleared before the five-years since we sold our home and the loan cleared. 

However, what I dont understand was the pre-payment penalty for the HELOC that wasnt used for anything. In trying to sort things out with US Bank I was told that the fees would be waived, if I did take another loan with the Bank. I did speak with the branch manager (  XXXX XXXX ) at the XXXX XXXX XXXX. XXXX XXXX at the XXXX XXXX was the Banker who helped open the loan. 

I am hoping your office can help to sort the HELOC pre-payment penalty out for me. I honestly feel that I should not be charged a pre-payment for a loan that wasnt used. Any help will be appreciated- thank you! 

Sincerely, XXXX 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 the 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 funds was unfeasible. The CFPB 's findings indicate Zelle has not only neglected to protect the consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both Experian and XXXX are IGNORING my letter for more than A YEAR! when I ask them to VERIFY and VALIDATE an OLD account with an ALLEGED LATE PAYMENT that was verified as NOT TRUE with the creditor XXXX  XXXX. the LAST VERIFIED date on the credit report still shows XX/XX/XXXX!!! or XXXX!!! 
I've attached copies of the latest letters that were IGNORED by BOTH! 
Also, I requested information from the original creditor XXXX about the charge off and never got anything from them
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has placed a collection account on Transunion report for XXXX, for what I have no clue. I disputed it with XXXX and XXXX emailed me to apologize. I sent the deleted record to Transunion and instead of deleting Transunion updated the item to stay on my report until XX/XX/XXXX! This is not my bill! SEE BELOW 

On Tue, XX/XX/XXXX at XXXX XXXX, XXXX XXXX  wrote:
Dear XXXX XXXX XXXX:
 
Your inquiry filed with the Better Business Bureau was forwarded to XXXX Executive & Regulatory Services, and I have been asked to address your account in collections issue. Please accept my apology for any inconvenience you may have experienced. the item has been deleted.
 
Unfortunately, I was unable to reach you at (XXXX) XXXX; however, I look forward to speaking with you to discuss this matter in detail.
At your earliest convenience, please contact me toll-free at, XXXX, ext. XXXX. I am available Monday Tuesday, Thursday and  Friday; between XXXX XXXX and XXXX XXXX Central Time. Please reference case XXXX.
Sincerely,
 
XXXX XXXX
Executive Analyst| Executive & Regulatory Services
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the account listed as " XXXXXXXX XXXX XXXX XXXX account number XXXX, on my credit report. I believe the following issues require correction : Charge-Off Status : The account is marked as " charged off '' with a balance of {$12000.00}. Under the Fair Credit Reporting Act ( FCRA ), inaccurate or unverifiable information must be corrected or removed. I request verification of this charge-off status or its removal if not substantiated. 

Payment History : The account reflects charge-off statuses from XXXX to XX/XX/year>, but there was a partial payment agreement in place. This agreement should be reflected accurately, or the reporting should be corrected. 

Account Closure : The account is listed as " closed at credit XXXX 's request '' in XX/XX/year>, which may be inaccurate or improperly documented under the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting or other personal consumer reports

I am writing to complain to EQUIFAX about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/XXXX. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I applied for a XXXX XXXX credit card. XXXX XXXX rejected my application claiming that my identity information could not be verified after doing a hard inquiry on my Experian credit report. After contacting Experian, this company claimed that all my identity information on my Experian credit file was exactly as seen on my credit report. Therefore, I complaint about XXXX XXXX for giving false claims about my identity verification. However, XXXX XXXX claimed that Experian was incorrect. I called Experian to ask for more clarification. However, the lady who answered me, not only she had broken accent as if she were speaking to me from overseas, but she claimed that she was seeing the correct information on my file although I had never given her any information about me yet. This sounded fishy to me. After trying to dispute my information on Experian.com, I realized that Experian was claiming that " The issue date of the Social Security number that I gave them when I contacted them could not be verified by the Social Security Administration ''. Experian received a copy of Social Security card that has my name, SSN and the same home address I lived in for over 14 years. I never changed my name, nor my Social Security number. Hence, it is unclear how Experian could make such claim and entering information that jeopardized my credit inquires.

Also, my report showed that I was " retired '' which is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account name : XXXX XXXX, Account # 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. 
Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 
As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
The following inquiries are unauthorized, and I ask that you DELETE them : XXXX  ON XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX AN XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

In or about XX/XX/XXXX, we hired XXXX XXXX & XXXX, XXXX ( " XXXX & XXXX '' ) to assist us with recovering XXXX XXXX XXXX Working Capital rendered to XXXX XXXX aka XXXX XXXX , XXXX. ( " XXXX '' ) in the amount of {>= $1,000,000}. We agreed to secure XXXX & XXXX XXXX Attorney fees in the amount of {$200000.00} with a Trust Deed on XXXX XXXX, XXXX XXXX, CA Land on XX/XX/XXXX aka XXXX & XXXX Claim No. : 1. On XX/XX/XXXX, the XXXX XXXX County Superior Court of California entered the Settlement Agreement stipulating XXXX pay us {$260000.00} in settlement. In or about XX/XX/XXXX, upon receipt of the XXXX {$260000.00} settlement payment, we assigned the {$260000.00} funds to XXXX & XXXX for satisfying XXXX & XXXX  Claim No. : 1. Subsequent to filing our Voluntary Petition Case No. : XXXX with the U.S. Bankruptcy Court of the XXXX District of California on XX/XX/XXXX, XXXX XXXX & XXXX , XXXX formerly know as XXXX XXXX & XXXX, XXXX ( " XXXX '' ) sued us for {$570000.00} as XXXX  & XXXX  Claim No. : 2 on the Claims Register. While processing multilateral [ global ] settlements with the Trustee, XXXX has been threatening us with foreclosure attempts on our temporary offices and our home.
Product: Credit reporting or other personal consumer reports

I used XXXX dispute option for inquiries on my credit report that were not requested by me, nor permission given to anyone else. 
These inquiries appeared back to back on my report and raised red flags of fraud, i asked Experian to investigate after about 3 weeks to a month i checked to see what was going on with the disputes, experian simply said the information was unable to be changed, i re requested additional with the same results, no information was provided to me about the disputes other then it couldnt be removed, and i know the info is inaccurate, because of this my credit score has gone from mid XXXX to low XXXX and has prevented me from, gaining lead way in my new business, it has cost me thousands of dollars, becauze they havent taken the proper steps to investigate nor provide details on why the decision was made so i can take the necessary steps to rectify the matter.
Product: Mortgage

Fay Servicing did not provide me a covid foreberance or any alternative options to foreclosure. They falsified documents in order to foreclose and engaged in dual tracking. They implemented forced place insurance and refused to provide XXXX documentation and/or statement of payments. They billed us for services that never occurred such as winterizing that never occurred and appraisals. They filed a motion for us to be evicted despite me being XXXX and relay on electricity. I collect social security XXXX, am a XXXX and have received no offer of assistance from Fay despite meeting all of their document requirements. Can you please contact them.
Product: Mortgage

I was supposed to close on a house with AMKO LENDIMG. At the last minute just 2 business days before closing they reach out asking for bank statements from a gift donor, they ask for tax transcripts and they want a letter conforming that I was receiving section 8. But they want to count section 8 as an income even though it will not continue after I close on the home. They are ficuring me through all these hoops. Now we are several days past our anticipated closing and there is no type of update in sight. I am highly upset. I am XXXX and so is my XXXX XXXX XXXX son and we probably will be homeless. I am so stressed out. I can't buy food because I can't use my credit cards or money in the bank because it is for my cash to close. I am so stressed out and no one from AMKO Lending can give me straight answer. The XXXX and the processor do it even commicaye with each other. After going under contract I found out my real estate agent and XXXX are brother and sister. I did not know this prior to completing the application. I was told that this did not have to be disclosed because they are step brother and step sister. I feel this deal is totally unfair and I feel that I am being scammed.
Product: Mortgage

Hello XXXX, We spoke a couple days ago a bad experience you had with one of our team members here at Rocket Mortgage, I just wanted to follow up on our previous conversation. I attempted to call you but I got your voicemail and it said the voicemail box. I wanted to assure you that have looked into the issue with the mortgage banker was address if you have questions feel free to give me a call at ( XXXX ) XXXX. 




XXXX XXXX XXXX  Advocate Rocket Mortgage T ( XXXX ) XXXX F ( XXXX ) XXXX Good Morning XXXX, In researching the information given to you, I found that there shouldve been more of an explanation given regarding the refinance, for a client that is coming out a forbearance we need for the client to have made three consecutive monthly payments for a rate and term refinance under the FHA guidelines but for a cash out refinance the guidelines are slightly different. With a cash out refinance we will for the client to have made 12 consecutive monthly payments in order to proceed with processing the loan. I do apologize this was not explained to you by our banker and are addressing this matter internally. I have included in this email a link to a FHA website that explains the guidelines. If you have any questions feel free to contact me directly at ( XXXX ) XXXX. 

XXXX XXXX XXXX id=3023 XXXX XXXX XXXX Advocate Rocket Mortgage T ( XXXX ) XXXX F ( XXXX ) XXXX XXXX, Our number one goal was to reduce outrageous monthly payments. It was discussed on both aspects. Not a deal breaker to add cash out. XXXX was well in tune with this and being helpful. Cant say the same for the others we discussed. Rocket Mortgage continues to mishandle against what the government pertains to helping per the CFPB. 
Sadly for the respect of this company, I can not undo/ un hear what this company has done by whom they hire and allow them to continue treating others with less than what theyd expect done to themselves. 
Excuse away as all big businesses will, the damage has been done and whatever your claim of handling internally does not help your customers externally in any situation. 

https : //www.usa.gov/complaints XXXX XXXX
Product: Credit card

Synchrony Bank has a terrible habit of closing accounts without prior notification. They have CLOSED over ten accounts in one day some recently granted thus now ruining my credit score and credit reporting. Their practices are unconscionable!! 

Yet, I have an account with XXXX XXXX in which I am being charged for an item warranty that was returned in store on XX/XX/2024. XXXX XXXX insisted I obtain XXXX XXXX for an XXXX and I am still being charged for it even though I was fully refunded for the XXXX. I have been transferred to numerous customer service agents with no resolution.
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports I noticed some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 
Please find attached a copy of My ID, The FTC complaint, a copy of the Equifax data breach showing my information being exposed in a national data breach, and a Validation of debt letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to adequately protect my personal information. According to their website equifaxsecurity2017.com, I am listed as a potential victim of the Equifax information breach. I am not a customer of Equifax, but have had credit checks run on me through Equifax. In addition to failing to protect my information, Equifax failed to promptly inform me of the breach. Secondly, I should have been contacted by Equifax to inform me of the breach. Equifax should not assume that everyone follows the news. Finally, Equifax is now charging me to freeze or monitor my credit.
Product: Credit card

I was notified that Midland Funding LLC sued my XXXX XXXX, Case No. XXXX. I called them and they said it was because of a XXXX XXXX that I optained in XXXX. The stated there was a balance due of {$2300.00}. I do not remember ever having a credit card with XXXX. They said it was sent to Midland Funding in XXXX. I have never gotten a call about this. I never knew about this. Now I have a law suit and nobody can tell me anything about the charges or where they were spent, etc. I have a credit report from XXXX/XXXX/XXXX. I looked through it to see if a card with that name or number was on it. There is no XXXX credit card in that report. There was no delinquent amount due on that report. There were XXXX credit cards in that report that were assigned to my ex-husband upon our divorce. They are XXXX cards with different account numbers then the XXXX Midland gave me. I do n't know what to do. The person I spoke with at Midland told me to contact you, so here I am. The credit card number she gave me was XXXX XXXX XXXX XXXX. Please help me find a way to resolve this.
Product: Credit reporting

I have a inquiry on my transunion form XXXX card on XX/XX/XXXX on my credit report I XXXX XXXX did not apply for never and I would like it removed form my credit report I have written letters to transunion and XXXX card on XX/XX/XXXX an I have never got any response from either company I call them transunion tells me to call XXXX card and XXXX card tells me to call transunion neither is a help of resolving this matter or letting me no where it came from so I decided to ask yall for help resolving this matter because I am getting no where I have also attached the letters I wrote to XXXX and transunion thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep calling this company XXXX XXXX they are in house finance they keep playing with my credit they discriminate if they do not like you they will mess your credit up I keep paying and they report me diliquunt on my credit everytime if I call and explain they are roof and lie I cant believe them I have 11 creditors this is the only one I have issues with they are a living nightmare I cant get out if they are making me miserable I dont want to be reported as a bad person XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i can go on no one does this I even get curtousey of removing a late fee once from them thats other cc but XXXX they are the a devil no warning nothing the day I made s payment was the day it was due no one said they already same day reported to credit bueru but they are in house they dont have to its a choice they will keep doing it if they dont like you then the lady threatened me to go to magistrate court if Im late again and harasses all my contacts I put in application is this legal
Product: Debt collection

I have XXXX companies, Credit Collections based out XXXX, MA and CCS Collections both attempting to collect the same amount of {$140.00} that I originally owed XXXX. Both reports are showing on my Credit Report, though it is only a single amount
Product: Credit card or prepaid card

On XX/XX/XXXX I was sent a text by Citi that my credit card was used for a purchase at a XXXX in XXXX XXXX, NC. I live and was in XXXX, PA when the text came. I immediately called Citi and reported the purchase as fraudulent. For some reason, the charge as on my statement the following day XX/XX/XXXX. Citi canceled that card on XX/XX/XXXX and sent me a replacement via mail a week or so later. Unfortunately, they didn't remove the fraudulent purchase from my monthly bill and I paid the bill that included the fraudulent purchase. It took me a number of months to realize that I paid for a purchase I didn't make. 

I called Citi several times to get this resolved and was referred to their XXXX security XXXX number XXXX. I didn't document the first call date, but I was told it would take 1 to 2 billing cycles to see the credit or NTE 90 days. I was never credited or contacted about the fraudulent charge or credit. 

On XX/XX/XXXX, I called again at the same # - XXXX and talked to a representative named XXXX who gave me the same response - 1 to 2 billing cycles or NTE 90 days. Nothing from Citi. 

On XX/XX/XXXX, I called again, same #, and talked to a representative named XXXX. Same story except he assured me he would handle this personally and I'd see the credit XXXX to XXXX billing cycles or NTE 90 days. 

So I've contacted Citi at a minimum of three times w/o getting a credit or a reason why I didn't get the credit. I believe I did everything correct by immediately notifying them of the fraud. They should have a record of issuing a replacement card if nothing else on XX/XX/XXXX.