23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/2021, we were pursuing an extended lock rate with Homebridge Financial Services ( HFS ) for a FHA loan with an expected closing in XX/XX/2021. At that time, HFS was the only mortgage company that could offer us an extended lock rate for which a deposit of {$1800.00} was officialized under the impression that it was a refundable deposit. 

In early XX/XX/2021, after receiving our closing letter, we also received other lending options which had lower interest rates and closing costs. We decided to pursue the lender with the best offer and asked HFS to refund our lock fee deposit. HFS denied our refund stating that the lock fee was forfeited when we decided to pursue our financing with another institution. 

Below the arguments we have already presented Homebridge Financial Services in our lock fee refund request and respectfully request CFPB to evaluate in this claim : 1. Deposit for an extended lock rate was made on XX/XX/2021, under the representation by XXXXomebridge Financial Services that it was a refundable deposit that could be used as cash to close in the future. We were never made aware that this condition was exclusively with HFS or that this deposit will be forfeited if we choose a different lender. In fact, no additional terms or conditions were disclosed at that time.

2. The Extended Lock Rate Agreement, with the terms and conditions that HFS is now holding as reference, was uploaded to the portal on XX/XX/2021, fifty ( 50 ) days after HFS requested our deposit money. Terms and conditions for the Extended Lock Rate Agreement were never disclosed at the time of our decision making.

3. The first page, last paragraph of the Extended Lock Rate Agreement states : " This Extended Rate Lock Agreement shall become binding when signed by you and the lender, and upon payment of the Lock Fee ''. 

The agreement continues in capital letters and portions in bold : " A LOAN IS NOT LOCKED UNTIL AN AGREEMENT HAS BEEN ACHIEVED WITH YOUR LENDER, AND YOU HAVE ENTERED INTO A SIGNED RATE LOCK AGREEMENT. YOU MUST SIGN THIS EXTENDED RATE LOCK AGREEMENT AND RETURN IT TO THE LENDER ALONG WITH ANY LOCK FEE WITHIN 2 BUSINESS DAYS. '' Since this agreement was never divulged back in XXXX, it has never been signed by us. According to the above, the loan was never locked and the lock fee never used. 

4. Homebridge Financial Services, after failing to properly disclose the terms of the Extended Lock Rate Agreement and lacking a binding arrangement, is unreasonably withholding our {$1800.00} deposit.
Product: Debt collection

XXXX XXXX XXXX -XX/XX/XXXX- {$430.00} XXXX XXXX XXXX- XX/XX/XXXX- {$4700.00} THE DEBT AMOUNT IS INCORRECT I HAVE REPEATEDLY ASKED THEM TO VALIDATE THE ACCOUNT OF WHAT THE CORRECT AMOUNT SHOULD BE AND I KEEP GETTING THE SAME INFORMATION I ALSO REACHED OUT TO THE ORIGINAL DEBT COLLECTOR XXXX XXXX XXXX  BUT NO RESPONSE.
Product: Credit card

Amount of {$51.00} charged to my card for XXXX XXXX XXXX  at XXXX XXXX XXXX. Complete album track listing was not disclosed when ordering so consumers thought they were receiving the full album -- XXXX tracks, not XXXX. Merchant said all sales were final without disclosing this very important information. Contacted merchant to resolve ( see documentation ) and they refused to refund money. Filed dispute with Capital One. In spite of evidence provided, Capital One is refusing to refund my money/credit account.
Product: Vehicle loan or lease

Please be so kind as to assist me ; Im asking for your companys assistance in enforcing what the law requires for this corporation to do. Please and thank you. I entered a consumer credit transaction with Consumer Portfolio Services on XX/XX/2021. This involved a finance charge along with a down payment of ( {$2000.00} ) cash. Pursuant to 15 USC 1605 ( a ) finance charge is the sum of all charges in a consumer credit transaction and does not include cash. CPS is in violation of the 15 USC 1605 Truth in Lending ACT. CPS didnt offer any insurance and they failed to disclose to me my right of recession and provided me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. As a federally protected consumer under title 15 Chapter 41, my rights have been violated and Consumer Portfolio Services is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692k. 

I have also sent certified mail to the CEO & the CFO of Consumer Portfolio Services
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These inquiries must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 XXXX
Product: Credit reporting or other personal consumer reports

Subject : Immediate Action Required : Unauthorized XXXX  XXXX XXXX Inquiry Dear TransUnion, I trust this letter finds you well, although the urgency of its contents demands your immediate attention. Pursuant to the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq., specifically 1681b, and North Carolina General Statutes 75-64, subsection ( a ) ( 4 ), I am compelled to address a matter of utmost importance concerning my credit profile. 

Upon meticulous review of my consumer report, I have identified an unauthorized inquiry from XXXX  XXXX XXXX, severely impacting my creditworthiness. This not only infringes upon the FCRA but also constitutes identity fraud, as explicitly defined by the Identity Theft and Assumption Deterrence Act - 18 U.S.C. 1028 ( a ) ( 7 ). 

I assert, with unwavering confidence, that even within the scope of a permissible purpose, the consent of the consumer is indispensable, as stipulated by the Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S.C. 6801 et seq., particularly 6802 ( e ) ( 1 ). In this instance, no such consent has been granted. 

The adverse impact on my creditworthiness, a direct violation of the Electronic Communications Privacy Act ( ECPA ) - 18 U.S.C. 2510-2522, especially 2511 ( 1 ) ( c ), is intolerable. In alignment with North Carolina General Statutes 75-64, subsection ( b ) ( 2 ), I insist that immediate action be taken to rectify this situation.

I maintain that this item is unverifiable, invoking the Privacy Act of 1974 - 5 U.S.C. 552a, particularly 552a ( d ) ( 1 ). I, therefore, demand that, in accordance with the Computer Fraud and Abuse Act ( CFAA ) - 18 U.S.C. 1030 ( a ) ( 2 ) ( C ), TransUnion expeditiously deletes this unauthorized and unverifiable item from my consumer report within the next 30 days.

Failure to do so will be construed as willful noncompliance on the part of TransUnion, an offense for which you can be held civilly liable, as explicitly stated in 1030 ( g ) of the CFAA.

Your prompt and unequivocal attention to this matter are non-negotiable. I expect a swift resolution, and I anticipate written confirmation once the unauthorized XXXX  XXXX XXXX inquiry has been expunged from my consumer report. 

Done in good faith.
Product: Checking or savings account

I had XXXX $ stolen from my us bank account using the debit card in a period of 3-4 days Im a tax preparer so I have a lot of people sending me money around this time to do their taxes. 

I had XXXX $ sent to me and it was stolen My bank has barely investigated this claim And still havent provided with and update or provisional credits. 


My XXXX XXXX  was stolen from my parking garage on XX/XX/XXXX I wan na say around XXXX my purse was in the vehicle, inside of my purse was my wallet including all of my debit cards and credit cards. My us bank pin was also inside of my vehicle. 


And It took the police XXXX hours to come to my house. 

My XXXX was left in the car I had cash app on there my XXXX. 

with my us bank card connected to it so they were able to send themselves money in the amount of XXXX $ It was XXXX cash app transactions for XXXX $ each And it was XXXX ATM withdrawals for XXXX $ each. 

I attached a selfie of myself to this so that US bank can use that picture to compare it to the ATM footage. 

I can also send picture of my ID
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX   XXXX  , 2017   XXXX   XXXX   XXXX   in   XXXX   GA submitted requests to multiple lenders who pulled my credit report. This created multiple Hard Inquires on my credit report driving my score down even further.
I did not provide written nor verbal authorization for my credit to be investigated, in fact I was in NY at the time. My wife was shopping for a car at the time but she did not/can not authorization of my credit.
I would like the dealer 's credit practices reviewed for compliance to FCRA.
Product: Debt collection

XXXX year old default judgment should be in my name not XXXX XXXX whom is my mother 's name, but my name XXXX XXXX was removed in XXXX or XXXX for an unknown reason. I was never served by anyone nor was my mother, we both lived at the same address at the time a processor claims he served papers to my Mom but I couldn't be found. We live at this same address for 40 years. My parents are XXXX and XXXX living on social security and veterans XXXX. My Mom received these letters with no court stamp or signature from a judge. 
When I go to this court case online it is closed and has a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has my " profile '' name correct. Experian is charging my credit card automatically on a monthly basis and has been for all the years I have been a member. The credit card states my correct name. However, my credit report is and has been under my MAIDEN name for all of the years I have been a member despite all the disputes I have filed over the years. I have been married for XXXX  years and they will not change the inaccurate " reporting '' using my maiden name. In addition and of the utmost importance they have my birth date incorrect. I submitted my birth certificate via an online dispute clearly indicating my CORRECT BIRTH DATE! They still have not resolved this issue on my credit report and when I check the status they state they updated my credit report with my correct birth date. THEY HAVE NOT! When I try to submit another dispute to include both my birth certificate again and my marriage certificate which states my correct date of birth AND my married name it states " We are having technical difficulties. '' I have been disputing incorrect information on my Experian report for which I pay for every single month for years and finally gave up as they have not recognized any dispute due to " an internal policy '' of which they will not disclose. I am now filing a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many credit inquiries on my credit report that I NEVER authorized or approved. I been battling with identity theft for some time now and these inquiries are not any that I inquired about MYSELF nor did I approve anybody else to act on my behalf to obtin these inquiries. ALL OF THE FOLLOWING INQUIRIES ARE FRAUDULENT AND UNATHORIZED AND I WOULD LIKE THEM REMOVED AS SOON AS POSSIBLE. THE INQUIRIES ARE : XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/2022 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 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 XXXX XXXX XXXX XXXX XXXXXXXX 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  ALL OF THESE INQUIRIES ARE FRAUDULENT AND UNATHORIZED AND SHOULD BE REMOVED ASAP BY ALL CREDIT REPORTING AGENCIES THAT ARE REPORTING ALL OR ANY OF THESE INQUIRIES.
Product: Credit card or prepaid card

Close account without 45 days notice regarding the APR
Product: Debt collection

Constant phone calls. Called XXXX XXXX  telling them I'm being arrested. Sent letter stating because of age of debt no legal action taken.
Product: Credit card or prepaid card

XXXX  weeks ago I closed a credit card account with Bank of America.The account number was XXXX XXXX XXXX XXXX. The account had a credit of {$24.00}. XXXX weeks ago I contacted Bank of America and a representative told that they were going to mail me a check for {$24.00} corresponding to the credit that I had in my credit card account. The check has not arrived yet. XXXX weeks ago I contacted Bank of America again and a representative told me that they were going to mail me a check. The check has not arrived yet. Please request Bank of America to mail a check with the amount that they own me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'mailed out numerous payments over the past several months. The postal service had major delivery delays because of the XXXX pandemic..took months for the creditor to receive the payments. Now its showing late missed payments on credit reports 60 days + Please fix the issue on credit reports
Product: Debt collection

They have called back to back for the last 9 days including the weekend. At least 3 times a day and at least 2 voice messages. I have asked them to stop harassing me and they just call right back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XX/XX/XXXXXXXX had originally put this account as being late. After disputing with the credit agencies XXXXXX/XX/XXXXXXXX proceeds to update the account being late as of XXXX. Which is completely false I hadn't had XXXX XX/XX/XXXX XXXX for nearly 10 years Until XXXX. And they will not let this fall off my credit And they have lied to keep this 11 year delinquent account on my history.
Product: Bank account or service

XXXX/XXXX/16, I attempted to make a deposit of XXXX checks at the ATM at Chase bank in XXXX XXXX, California. It ate the XXXX XXXX checks for a total of {$1700.00} and returned the other XXXX checks back to me w/o any verification of the XXXX checks it did not return. When i got home i called them and after about 30 minutes of repetively being put on hold i was told they found the XXXX checks and that they would be credited to my account and it would show in a couple of hours. XXXX/XXXX/16, i still do not show the deposit that Chase online said would be posted to my account. When i called them today they have again put me on hold for over 30 minutes and if i ask for a supervisor they usually put me on hold and never come back. I 've had that happen 3 times today. The XXXX line person refuses to identify themselves by name or ID badge so i ca n't even hold them accountable for never coming back to the phone. I am now out {$1700.00} with only a promise that it wlll be posted to my account. The first promise is now broken. It 's very difficult to pay my bills when they 've " stolen '' my money and i 've done nothing wrong other than make an ATM deposit. Their customer service simply stinks. I spend all my time answering their ID questions and no time getting answers to what happened to my money and when i will get it credited to my account. Guess this is what you get when you bank at a " too big to fail bank ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX   XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Debt collection

XXXX was soliciting door to door, I said I wasnt interested, I had another provider, thrn they offered 3 free months if I signed up with them. So I agreed to that. When I ended my service with them, they claimed I owed them for the 3 months that I eas supposed to get free. I received no notice at all before they posted this debt as a collection on my report. When I called them about the collection, I asked them to send me verification of the account, and asked to be put on a payment plan to get this off my credit report. They agreed to this and I made the first payment of XXXX out of a total of what they claimed I owed them which was XXXX. When the next month came they did not take another payment. I called to make a payment but they wouldnt let me. They said I needed to pay {$190.00} to get it deleted and wouldnt let me pay less than that.The collections company is called I C Solutions collecting on behalf of XXXX.
Product: Debt collection

Dispute Letter to I.C. Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX, MI XXXX XX/XX/2024 I.C. Systems XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX : XXXX RE : Dispute of Debt and Request for Validation Dear Sir or Madam, This letter serves as a formal dispute of any and all debts I allegedly owe to I.C. Systems. I am writing to request validation of the debt, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

1. Debt Dispute and Validation Request : Pursuant to 12 CFR 1006.34 ( b ) ( 5 ) and 15 USC 1681-s-2 ( 7 ) ( a ), I demand complete and accurate validation of the alleged debt you claim I owe. This validation must include : The name and address of the original creditor. 

The date the debt was incurred. 

A clear and specific identification of the goods or services for which the debt was incurred. 

The original amount of the debt. 

The current amount of the debt, including any interest and fees. 

Verification of the debt 's ownership by I.C. Systems. 

2. Request for Purchase Agreement : I further request a copy of the purchase agreement between I.C. Systems and the original creditor, in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This document will assist me in verifying the validity of the debt. 

3. Proof of Licensure and Bonding : Under 12 CFR 1006.34 ( d ), debt collectors must be properly licensed and bonded to collect debts in the state of residence of the consumer. Therefore, I request proof of I.C. Systems ' current licensure and bonding in the state of Michigan. 

4. Revocation of Communication : Finally, I hereby revoke all permission for I.C. Systems to contact me through any means, including email, text messages, and phone calls. Any future communication must be made through certified mail, addressed to the above address. 

Please note that I am prepared to pursue legal action if I.C. Systems fails to comply with these requests or engages in any further collection activities without proper validation. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispute 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 infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19, I checked my credit report and I called multiple times to AR Recovery. Each time I called they wanted to verify information i am not comfortable with, nor obligated to share with anyone I do not know. I validated my name and address and that this account was on my credit report. I have never received any correspondence from this company, which if they are a collection agency is required. Nor does the credit report list any information to show which account they are referring. I am not paying any balance I do not know, nor would you. 

When i called AR Recovery, I disputed this debt and refused to give out my personal information further than address. This company wont let you go any further and actually hung up on me three consecutive times. I dispute this debt. I do not trust this company to house any information related to me and require that a document showing the validity. I don't know who they are, i don't know which account they are representing, i do not have any outstanding debts. 

The FCRA is pretty clear in its law that requires you validate whichever debt is on my credit report or remove it. You can not just hang up on people because they refuse to verify their SSN. You are required to provide customer service, yet you can not even handle a typical situation. These agents were very rude and hung up on me three times. One collector even advised that " He is the Compliance Manager '', he also seemed to call me a profane name in another language, which i called him out on and then he hung up on me. Either validate the debt or remove it, but you can not just hang up because the conversation isnt going the way you want it to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Confirmation : XXXX XX/XX/2019 Greetings, I am asking that Equifax reinvestigate a Public Record displayed on my credit report. I have sent them numerous letters from the reporting company as they require, XXXX who the third- party vender who reported this bankruptcy Case or ID # XXXX to Equifax See : Letter Enclosed. Please verify this letter. And Removed the bankruptcy from my report. Also, the Maryland Federal Bankrupt Court do not report Bankruptcy Cases to Equifax or another credit bureau about a consumer filed. See : Letter Enclosed. This letter shows that you did not verified or validating Maryland Federal Bankrupt Court reporting this bankruptcy case to Equifax, so they lied. As Equifax has this written on my credit report. I have been working with my creditors to make a wrong a right and Equifax you need to do the same thing. Make this right by verify these reporting letters from their agency. And removed the public record bankruptcy from my credit report. Equifax has both letters of information from reporting companies but refused to remove the bankruptcy from public record on my credit file. As of today, XXXX and XXXX have removed this bankruptcy from my credit files and Equifax needs to do the same.
Product: Credit card

My fiance took out a line of credit to pay for a vet bill we needed help with. I am also on the loan. We made what payments we could up until XX/XX/2023 when my fiance was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He was in XXXX for months and has a XXXX XXXX XXXX leaving him XXXX XXXX XXXX and we haven t received any help outside of family. Its left me to becthe only income at the moment BC we r waiting on XXXX. I have explained this to carecredit yet the still email me daily and call multiple times a day.