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

HARD INQUIRY ISSUES. 
I was shopping to refinance my Condotownhouse in XX/XX/XXXX, and XXXX XXXX was the projected lender which it is not actually. They run my credit through a 3rd company FACTUAL DATA, this company run 2 additional times without my consent. The first time when a XXXX XXXX lender representative and I agree to estimate the refinance cost which I can see in my credit report back on XX/XX/XXXX ; the second time my credit report was pulled again ( XX/XX/XXXX ) when they transferred me to a second representative from XXXX XXXX and seems this representative without my consent restarted over and told me that I didn't qualify and needed more extra income to qualify They ask me for my wife 's credit and she consented, she talked to them and They told me will add to the estimated projected refinance. This representative not just give me a high estimate and pulled my wife 's credit report but also mine for 3rd time on XX/XX/XXXX which I consider unnecessary and against my credit behavior I didn't want and deserve to be treated in that way, fortunately, we walk away from this company and I qualified for other Mortgage company all by myself and my wife 's credit wasn't needed. I talked to XXXX XXXX XXXX XXXX Resolution Advocate XXXX XXXX and she didn't consider an error, short and not helpful Phone number is XXXX fax number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The overdraft that is showing on my XXXX from TD Bank is not correct from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

REMOVE THIS ACCOUNT!
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THESE INQUIRIES XXXX XXXX XXXX
Product: Debt collection

A debt that was created by ex husband by XXXX and who which has sold the debt to Jefferson Captal Debt Collector back in XXXX in the amount of {$890.00} is showing up on my credit report. My last name was formerly XXXX but have been divorced now for XXXX years. My ex husband XXXX XXXX had this account with XXXX and should be responsible for this. I reached out via online to dispute and this is still on my credit which is not fair. please help
Product: Debt collection

My account went past due, due to issues with the mail. I called up to pay over the phone. I asked to pay the account off and to close the account. The lady told me the payoff amount which I paid, however the account couldn't be closed until the payment cleared. Which is not true for revolving credit lines, they can be closed with a balance. A few months later I opened a plain envelope to discover that I had a balance of several dollars. I called and they could not waive due to previous late fees waivers. I explained it was due to bank error and I am not responsible for a bank mistake. They had taken my payment as an account payoff. I asked for a return call from a supervisor since none was available. I never received one, nor did I receive one the next time I asked. I am trying to refinance my home and due to the impact of the delinquency on my credit card I did not qualify for the cheapest loan. I had to take one that is {$3000.00} more expensive in closing costs. The refinance can not close until this balance is gone. I called again today and paid the balance since they refuse to resolve the {$1.00} residual interest error that is now {$8.00} with more fees and interest. This is predatory and unacceptable practices. I would like the delinquency removed from my credit report and the {$8.00} refunded to me.
Product: Credit reporting or other personal consumer reports

TRANSUNION LAWSUIT XXXX, PLEASE FORWARD TO LEGAL DEPARTMENT. 
I am providing my Schedule Fee of Intent for the damages/rulings of the most recent Transunion lawsuit XXXX XX/XX/2023. I am asking CFPB to supply the invoice ( done in good faith by CFPB ) according to the fee schedule violations, ruled by the court for such awards/fees to be credited via check, Immediately. Sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; Pay to the order : XXXX XXXX XXXX
Product: Mortgage

I received military XXXX me from XXXX to XXXX in XXXX 2016. I shopped for a mortgage with XXXX, Quicken Loans, and XXXX receiving a Loan Estimate from each leader. I chose Quicken Loans on XXXX XXXX, 2016 because they offered me the lowest interest rate and fees for a mortgage. 

Everything was moving along until I received a re-disclosure package on XXXX XXXX, 2016. The re-disclosure package had three errors : 1. It added a {$730.00} fee for points ; 2. It increased my credit report fee from {$9.00} to {$25.00} ; and 3. It did not adjust my loan origination fee from {$1900.00} to {$980.00} as QL agreed to match XXXX loan origination fee. I addressed these errors with XXXX XXXX ( NMLS # XXXX ) on XXXX XXXX, 2016 in an email. He replied to me telling me the errors would be corrected prior to close. 

On XXXX XXXX, 2016 ( 6-business days prior to closing ) I was told over the phone they would not correct these errors. I now only have 5-business days until closing and feel I have been strung along until it was impossible for me to use another lender or have these issues addressed through the CFPB or the Department of Defense Inspector General. These fees represent a {$1700.00} increase to my closing costs which I must come up with in 5-business days. If I do n't go through with the mortgage with Quicken Loans I will lose over {$2100.00} in money spent for earnest money, inspections, surveys, estimates, and appraisals.
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer financial Protection Bureau the documents needed are a picture ID, A BILL, and a letter from an advocacy group helping me due to XXXX  XXXX XXXX XXXX which falls under XXXX  according to XXXX  debt final rulee 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the FAIR CREDIT REPORTING ACT. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit card

I called Synchrony Bank, XXXX. Gave the agent the reference number and they were not able to locate an application in the system for PayPal Credit. 

On Wednesday I called PayPal credit at XXXX. Gave the agent the reference number and they were not able to locate the application. I described what the card looked like ant that it could be a PayPal Debit rewards card and they told me that I need to call, XXXX. When I talked to that agent I again provided the reference number and the first four digits of the account number and they said they couldn't find an application and they do not service the card with those first four digits and is not sure who does.
Product: Credit card

I miss-placed and failed to cash an American Express rebate check/Rewards coupon for {$180.00} in 2015 by by the expiration date of XXXX XXXX of that year. I called American Express, explained what had happened and asked them to re-issue the check. They refused stating according to their agreement the check must be cashed by the expiration date. I checked, what it did not say was what happened if I did not not cash the check by the expiration date it did not say that I would lose the money if I failed to cash the check by the expiration date.
Product: Checking or savings account

Capital One offered a {$350.00} new account bonus ( Promo code XXXX ) when certain conditions met ( direct deposits, etc. ). 
The prior deadline bonus eligibility for applying/opening an account was shortened to XX/XX/XXXX 
I applied and finished everything at XXXX PDT XXXX, but was told they need to process a few more things before opening. 
Received an email XXXX PDT saying " The application you submitted for a new Capital One 360 account, which was in a pending state for review, has been cleared. This means you can now proceed with your application. '' Saw this email about XXXX same day. 
Proceeded with application, which was regarding account funding ; prior to submitting I noticed that it said " The promotion code has expired ''. 
I immediately called customer service ( XXXX PDT ) and spoke with Nat XXXX After verifications were done, he said to go ahead and submit the funding and that Capital One could fix the timing issue regarding the {$350.00} bonus. I followed his instructions, opened the account, but it came back again saying " promo code expired ''. 
XXXX put me on hold XXXX PDT to call specialists, he came back XXXX PDT to say sorry they can't apply the promo code as application not finished until today ( after expiration ). 

I was misled by agents at Capital One, it's not my fault they couldn't finish the application in time. I definitely started the application and performed all necessary tasks in order to open the account prior to the bonus expiration deadline.
Product: Mortgage

Mr. Cooper contacted me in XX/XX/XXXX and said that because I live in Florida and our area was declared a disaster area they are offering a Forebearance program whereas they would allow you to skip from one to six payments at no penalty. The payments would extend the length of your mortgage by the amount of months you chose. I chose six months. When I went online to resume my payments in XX/XX/XXXX I was horrified to see that it clamed I owed fourteen thousand plus dollars and was ineligible to make payments.I never heard one thing from Mr. Cooper about being behind on payments between XX/XX/XXXX and XX/XX/XXXX when I finally contacted someone. For nearly a month I called and left messages and finally got a call back in XX/XX/XXXX. The rep said I did not qualify for that program and I had to pay the full amount or go through the refince process. She said there was never a forebearance program, they were told to read from a script and the goal was to get you refinanced at a higher interest rate. They ruined my credit by reporting non payments and I now have to pay over three thousand a month to get caught up. She claimed to have no answer as to why no one called me to tell me I did not qualify for this non existant program after they signed me up for it, or why they never called when my first payment became delinquent.They will not get rid of any late fees and will not contact the credit reporting agencies companies. They conned me during a time of a disaster and scammed me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, XXXX and XXXX several times on many different dates due to my personal information being inaccurate. I have yet to get any results or updates. It has been a few months, this is frustrating. The wrong information is being reported and showing on my credit reports.
Product: Debt collection

XXXX XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2200.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2016 and has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

am not liable for this debt with MIDLAND CREDIT MANAGEMENT INC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Phone # ( XXXX ) XXXX, I disputed this account with XXXX 3 Times And they keep saying is accurate, I wrote them requesting a method of verification for this account, they said Midland Credit Management Inc keep saying is accurate and they won't provide them with any verification.
Product: Debt collection

Collecting debt from me of XXXX which has been paid XX/XX/2022. I went to XXXX XXXX XXXX XXXX  last XX/XX/2022 to tell them about this and told me they will email the debt collection agency to remove it but again i received a email about this debt collection again.
Product: Credit reporting or other personal consumer reports

Nothing was taken action by the company when I filed an dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I recently challenged the validity of XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( Credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting the information, you used to verify this account in writing. If such documents can not be produced, please DELETE this account from my credit report immediately.
Product: Checking or savings account

Bank of America is NOT doing its part to promote and strengthen the middle-class. The XXXX XXXX in the U.S. from the " XXXX and XXXX '' corner store to localized upward aspiring XXXX 's are in perilous dire straits. In particular, a pandemic has obliterated and exasperated resources and reserves to historic 40 year lows. B of A is owned by XXXX XXXX. Which is owned by XXXX XXXX XXXX an American business magnate, investor, and philanthropist. He is XXXX of the most successful investors in the world with a net worth of over {$100.00} XXXX as of XX/XX/2022. The paradox is " XXXX XXXX XXXX '' is growing greater separating the middle-class from the " haves and the have nots. '' Arizona ranks 50th out of the 50 states in XXXX loans with XXXX lending support, resources and tranches to help our communities! B of A has policies and sophisticated contracts with a litigative team of attorneys to avoid accountability regarding its culpable practices like " ghosting '' and canceling accounts with no real recourse. I know first-hand as the owner of XXXX XXXX. Not only will B of A cancel your account, continue to yield interest on those funds, they will NOT disclose names, respond with an email or provide contact to resolve issues amicably. B of A and any other Banks operating in such a fashion require an immediate overhaul. How are they able to receive Billions in XXXX aid earning record profits and hide behind a wall of secrecy and one-sided policies??? B of A has thousands of my hard-earned dollars and wishes to play Whac-a-mole! Shame on Bank of America and XXXX XXXX for instituting such partisan policies. I have made several attempts to resolve this last contact was XX/XX/2022 My account number is : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried placing a credit freeze online with Equifax in XX/XX/2021, however I was unable to online. I then called Equifax customer support to remedy the problem. In XXXX, I mailed in a photocopy of my driver 's license and social security number card to verify my identity per instructions from customer support. On XX/XX/2021 I called Equifax customer support to place a credit freeze, and they refused to do so. 

In XX/XX/2021, XXXX and XXXX were able to place a credit freeze.
Product: Checking or savings account

XXXX I sign up for my credit to be fix and they was withdrawal the money out my account every month to fix my credit but no changes in my credit I call for them discontinued it but they continue to take the and cause my account to come overdraft and I had to change my account number what a hassle it was thank you for listening my name is XXXX XXXX my address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Back in XXXX I financed a vehicle through Titanium Funds in Utah. After 2 years of on time payments I fell on hard times and the vehicle was repossessed. They resold the same vehicle less than a month later as it was parked across the street from my house and the key fob I had still worked, I talked to the new owner that got it through the same dealership and finance company and gave him the extra key. To this day I'm still being garnished for that vehicle, they have collected over {$12000.00} from me, and XXXX know what they have collected from others on the same vehicle. My biggest issue is on the only credit report of mine it shows on, the last balance they reported in XXXX of XXXX was less than {$3000.00}, but on the garnishment paperwork they are wanting to collect over {$5000.00}. My most recent check stub shows I have paid just over {$2000.00} and there should be only 1 more payment to be taken. I fear they are going to keep collecting as much as they can. Please please help me put a stop to this.
Product: Debt collection

THIS COMPLAINT FOCUS ON DEBT COLLECTOR OCWEN LOAN SERVICING LLC USE DOCUMENTS MANUFACTURING COMPANY TO PRODUCE FRAUD ASSIGNMENTS OF DEED OF TRUST AROUND THE COUNTRY UNDER THE CONTROL OF default DEBT COLLECTOR LAW FIRM LAW FIRM XXXX using ASSIGNMENTS OF DEED OF TRUST PREPARED BY XXXX, FOR DEBT COLLECTORS OCWEN LOAN SERVICING, DEBT COLLECTOR XXXX LAW FIRM see attached files
Product: Mortgage

I write this letter in great despair and fear. My home was wrongfully foreclosed and sold in auction by Bank of America.   I have been working with  XXXX   (    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX ,  Tel (   XXXX  )  XXXX  ) to have my home loan modified to a lower payment.   On  XXXX   XXXX   2017, I received a  call from someone claiming to the vice president of Bank of America. She notified me to let me know that my appeal had been rejected. However, I did want to accepted because based on what she told me herself, my request was not reviewed as requested. I did not take the news well at all.   However, at the end of the phone call I was told by her that I can apply again for a loan modification if my circumstances had changed.   Since my wife was now working full time I sent all the information they requested by  XXXX   XXXX  , 2017. I   contacted them on  XXXX   XXXX  and  XXXX   XXXX  , 2017 via ph one and email letting them I had sent all the documents they had requested and asked them to inform me ASAP if the needed anything else. No one replied nor returned my calls.   On  XXXX   XXXX  Bank of America contacted  XXXX  letting them know the sell date of  XXXX   XXXX  , 2017 w as cancelled and there was no pending sell date. In turn  XXXX  contacted with the same information. The sell date cancellation was also reflected on the website  XXXX .   To my surprised and HORROR, I was then contacted over the phone on  XXXX   XXXX     2017 inf orming me that my home had been sold in auction earlier that day.   I did everything Bank of America asked of me. I followed their guidelines and rules. In turn, they steal my home. They steal my dignity.   I am desperate, I am horrified. I need help.   PLEASE HELP ME.   I contacted  XXXX . They can no longer assist me because now my home belongs to a 3rd party.   I contacted Bank of America and all they did was direct me their lawyer  XXXX   XXXX   XXXX   (   XXXX   )   XXXX .   The new owner of my home is  XXXX    XXXX    XXXX ,  XXXX   Tel (   XXXX  )  XXXX  Please fight for me and my family.   Do n't allow Bank of America to lie and the steal my home Do n't allow Bank of America leave me and my family homeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent complaint to Experian, and they responded that I did not. I My name is XXXX XXXX and I am a victim of identity theft
Product: Debt collection

On XX/XX/XXXX received an unsolicited and unauthorized email from Resurgent Capital Services claiming I owed a debt from XXXX. I replied to that email asking for a cease and desist and fraud handling. I also asked for no further calls, emails or letters. This debt is also past the statue of limitations and whatever the original creditor was, as they are now out of business, sold this alleged debt. 
On XX/XX/XXXX I received a letter from the same company violating the cease and desist that I gave in writing. When I called to ask why XXXX and XXXX could not help or tell me why this letter was sent and could not give me information to contact their legal counsel, consumer advocates or any other department that could review this. I was told if I wanted to know then I would have to remove the cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian LLC XXXX. Box XXXX XXXX, Texas XXXX Credit File Number : XXXX XXXX XXXX XXXX XXXX XXXX # *********** ) XXXX XXXX XXXX XXXX, Georgia XXXX XXXX : 15 U.S. Code 1681g Section 609 - Disclosures to consumers Dear Credit Reporting Agency, I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g Section 609- Disclosures to  consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. Public XXXX XXXX XXXX XXXX XXXX XXXX Identification Number # XXXX Filed : XXXX Claim Amount {$8800.00}. 

This information should not be reporting on my credit report due to XXXX XXXX CRA credit reporting guidelines that any public record must contact DOB and SSN ; this public record lacks this information and should be deleted from my Experian credit report immediately.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of incorrect accounts from my credit report. Could you review the documents? Several accounts have inaccuracies regarding the reporting, amounts, and dates.
Product: Money transfer, virtual currency, or money service

I am extremely dissatisfied with Zelle 's handling of disputes through my bank. Despite being a long-time user, Zelle has failed to assist with any transactions in question. Their inability to address fraudulent activity and allow scammers to continue their actions without intervention is unacceptable. Zelle 's response was inadequate, citing that it was impossible to track or stop the scammers. This demonstrates a clear lack of accountability and concern for customer security, leaving me in a vulnerable and unsupported position.