23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a mortgage at Chase bank to purchase a property in XXXX XXXX. XXXX XXXX was my loan officer. The loan eventually went through after a nightmare of a process. XXXX XXXX was completely incompetent and unprofessional in every way. We had a very short 21 day escrow without loan contingencies. XXXX recommended we do that because he promised he would have no problem closing the loan in 14-17 days as he had had my paperwork for months because he was working on another loan for me. Not only did he start out by switching two numbers in my annual income ( {$150000.00} became {$190000.00} in the loan application! ) he then went on to failing to disclose to the underwriter that I have a $ XXXXmonth child support payment that he's known about since day one. He also did not submit my divorce agreement to the underwriter. He was either trying deliberately to hide it from them, or actually just forgot about it - either is equally bad. The result was that my loan got flagged all the way through the system, we went to national exemptions desk and eventually closed over 2 weeks too late with huge financial and personal costs for me and my family. We had to pay contractors waiting fees for weeks and cancel work and family vacations because of XXXX 's incompetence. It turned out my debt to income ratio was too high, which XXXX had known all along since he had all the numbers for months. But he still pretended to me he could close in 14-17 days when he knew very well that would be impossible. He basically dragged me and my family along on an incredibly risky journey, that he had no idea if he could even finish, or when. And all along he kept telling me everything was fine, we would close tomorrow. Then the day after, then the day after. Just completely unprofessional and unacceptable. He had no idea if he could even close this loan, because he knew the numbers were off, and he still took it on. 

My experience working with XXXX was terrible. He never told me the truth about what was going on. He was never on top of the situation, and was constantly surprised by things that should be super obvious - Like the fact that he can't hide a $ XXXXmonth child support payment from the underwriter, or that my debt to income ration has to be at a certain level. He also was never right about timing. He ended up closing 2 weeks too late. Which had grave consequences for me and my family. All in all my experience with XXXX was a nightmare, and I hope nobody ever has to be exposed to what he put me and my family went through again.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Last year, I closed my Best Buy Citi Bank card. However, today, on XX/XX/2024, I unexpectedly received an email stating that I had a minimum payment due by XX/XX/2024. As a precaution, I made the payment and then initiated the process to close my account. During a phone call with a company representative, the representative confirmed that my account was indeed closed and assured me that they would cancel the payment. They provided me with a reference number for the account closure and will send by mail a confirmation. 

I would appreciate measures being taken to ensure that such occurrences do not repeat themselves next year. Additionally, it would be beneficial to implement safeguards to protect other individuals who may encounter similar issues with the same credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing fraudulent items that are on my credit report due to ID theft. The reporting agency have failed to removed the items from my credit report.
Product: Vehicle loan or lease

In XXXX 2018 this account got charged off, which destroyed my credit. Aftter more than a year and a half of the account being charged off, they started reporting a monthly payment, and they are reporting me currently late 120 days, which I can not be late on a charged off account, and I can not have a monthly payment on it either. I understand the pandemic has people confused, but this confusion is destroying my life and my chances of ever getting my credit back in order! Please help me!!!
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I authorized PayPal to pay for a service. I have paid via PayPal many times in the past. The service is XXXX lessons for my son. This business has been running for years, and the owner requests his students pay him to his own PayPal business account. 
On this date, PayPal withdrew funds from my credit card, but flagged the authorization as suspicious. Upon calling them, they demand to know my sons birthdate. I said that is an intrusion of my sons privacy, he is not a minor, and his birthdate has nothing to do with the financial transaction. 
PayPal will not tell why they need his birthdate, refuse to pay the vendor, AND WILL NOT RETURN THE MONEY BACK TO MY CREDIT CARD. 
I have paid the vendor in person. 
I want PayPal to release my money, and credit my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request to investigate an item on my credit report to one of my creditors. However, the creditor rejected my request on the grounds that it was initiated by a credit repair organization and deemed frivolous or irrelevant. It's important to note that under the Fair Credit Reporting Act ( FCRA ), rejecting a request solely on the basis of who initiated it is illegal, regardless of whether it was initiated by a credit repair organization or not. Furthermore, the use of templated letters for credit report disputes is a common and lawful practice. Additionally, I provided the creditor with adequate identification information. Any intentional delay in the investigation process is both illegal and unwarranted. I demand that the creditor comply with their legal obligation to promptly investigate the matter as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : 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, credit repair services, or other personal consumer reports

I'm filing this complaint in response to a credit report notification. The reported files are false and incorrect, which is having a bad effect on my credit report. The following information on the credit report is false, and I'm sending proof with this letter to prove it. 
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, credit repair services, or other personal consumer reports

During my vacation to XXXX, I won a raffle for a free cruise to the XXXX on XX/XX/XXXX. I had to put a {$40.00} refundable deposit down and to redeem it I had to sit at a 2 hour presentation along with the voucher for the cruise. I was scheduled to attend the presentation XX/XX/XXXX at XXXX at the XXXX XXXX XXXX, in XXXX XXXX, Florida. I soon figured out that they were trying to sell timeshare, and just wanted my refundable deposit for attending the meeting. They asked for my information including my social for what was supposed to be registering for the cruise. I now have emails saying I was approved for a XXXX XXXX XXXX XXXX XXXX account and that I also have a XXXX account. I did not authorize anyone to run my credit or social. They did not provide any literature or receipts for the information provided.
Product: Checking or savings account

I received an email on XXXX after logging into my account and discovering my account had been frozen due to suspicious activity. It made me verify my identity which I did via the found app with no hesitation, mind you this is a business account, which I do event planning and event decor, the months of XXXX, XXXX & XXXX are my busiest months so I also use bidding companies like offer up market place XXXX eventing to bid on decor chairs, center pieces, ballons ect. So Id been bidding sending funds via XXXX XXXX from my found account, I was not provided a phone number to contact found, only contact via email or app. Provided info as well as explanation and link to my decor site and I need my funds unfrozen and released asap! I hadnt events this weekend and still have things to purchase. I will no longer use the found account and will use my XXXX business account going forward.
Product: Vehicle loan or lease

On XX/XX/2019 my XXXX year old sister was diagnosed with XXXX in her XXXX. She had a XXXX on her XXXX   and was going to need XXXX XXXX. My sister had just recently XXXX from college as a XXXX XXXX so her medical insurance that her college was providing was no longer valid therefore we had to pay my sisters XXXX out of pocket. It was very hard for the month of XX/XX/XXXX because doctors could not guarantee she was going to make it out of XXXX and my sister got very XXXX and had very little urge to live which broke me and made me basically forget about everything at that time i was going through very difficult time trying to stay strong for my sister. I regret very much not making that payment but with all that was going on i did not even know what day of the month it was. Also my aunt which is the primary one on the account we had some family issues and im the one that pays for the vechile but her cell phone number is the one on the account so if XXXX XXXX tried to get in contact with me to make that payment they were calling her amd she never reached out to me due to family issues. That phone call from XXXX would have reminded me i recently changed the phone number on the account to mine. Im very responsible when it comes to my CREDIT and bills so please help me i was going through hard times its my only missed payment and its affected me a lot. I'm willing to pay off the account if i have to enable to remove the late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you this notice to update the information in my consumer report. See below for my accurate personal information.
Product: Money transfer, virtual currency, or money service

I used Zelle on the XXXX account to transfer money of {$500.00} on XX/XX/year> to a person known well to me. His full name came up on the account which I selected. The second day I told me he did not receive the money. I contacted my bank, XXXX, and I was informed reliably that the money went to a XXXX XXXX account. XXXX sent me a letter on XX/XX/year> telling me the case was closed. The Zelle was contacted via telephone and I was redirected back to XXXX with the same response. At this point, Zelle needs to refund my money back to me. I have sent Zelle a letter about this issue. I am on a limited budget, {$500.00} is not a joke to play with. 
Zelle has been doing this sort of thing in the past and will be tried to hide under secrecy garbage. 

Thanks, for your help. 

XXXX XXXX
Product: Mortgage

On XX/XX/year> and on XX/XX/year>, I filed a billing disputes with Rushmore Servicing regarding a {$9200.00} charge, as well as, called multiple times. Each time I talked to Rushmore, I was told that it is common practice that Rushmore does NOT adhere to 12 CFR 1026.13 ( d ) ( 1 ). Despite acknowledging receipt of the disputes, the company has made multiple attempts to collect this amount, including threatening foreclosure if payment isnt received by XX/XX/year>. These actions violate 12 CFR 1026.13 ( d ) ( 1 ), which prohibits collection on disputed amounts during investigation, and 15 USC 1666 ( e ), which mandates forfeiture of the right to collect the disputed amount if they fail to comply. I seek resolution and adherence to legal protections. I request that my account immediately reflect compliance to the forfeiture of {$9200.00}, stopping foreclosure proceedings.
Product: Credit card or prepaid card

I disputed some unauthorized charges made without my permission to them as soon as I became aware of them on My child support way2gocard on XX/XX/2021. They sent me a letter on the XXXX stating that if I returned the questionnaire within 10 business days that they would give me a provisional credit in the amount of XXXX. 
So I submitted the form via fax as the letter and the agent I spoke with said to the expedited fax number given to me on XX/XX/21 within the allotted time and now there refusing to give me the provisional credit as they promised
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and there are multiple different spellings across all 3 credit bureaus also my address is and has been the same forever however it is not on all XXXX bureaus and multiple unknown addresses appear as well as multiple jobs and phone numbers and that is the only number Ive had as an adult. As well as multiple multiple collections that do not belong to me as listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies have cost me a single mother so much hardship in obtaining much needed credit to provide me and my family a place to live and means of transportation amongst other things.
Product: Credit card

Chase Bank called us to ask us if we opened a Chase Credit Card, we told them no, they told us that there was an on line charge to XXXX XXXX on XXXX XXXXXXXX XXXX for {$1500.00} then there was a charge to XXXX XXXX on XXXX XXXX XXXX for XXXX They cancelled the card and we are disputing the charges. 
XXXX XXXX
Product: Mortgage

Seterus Mortgage company is charging an OUTRAGOUS amount for PMI ( XXXX ) each month and will not remove the charge even though all requirements are met for removal.
Product: Payday loan, title loan, or personal loan

i obtained legal funding in XX/XX/XXXXof this year initially  personal of {$2000.00} and the purchase of prior funding from XXXX  XXXX XXXX funding company in the amount of $ {$11000.00} for a total of {$13000.00} in personal and medical funding. purchased by Thrivest legal funding. this was XX/XX/2018 in addition to this amount they funded a XXXX in the amount of {$68000.00} the XXXX wa never done and the money was returned in full to the company. so the amount of the payoff at legal interest rates and origination fees should be no more than {$19000.00} at an interest rate of 25 % for 10 months and an origination fee of {$1000.00} dollars for purchasing the previous funding and additional personal funding. I signed the contract in New York and I completed this transaction in New York State at my attorneys office XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The company is now stating that my payoff amunt is {$40000.00} fdollars and refusing to provide breakdown detail and is trying to include the funds that were returned. All verified by XXXX XXXX Ny XXXX XXXX VP of finance XXXX XXXX and the Doctors office of XXXX XXXX. They are holding me up from getting my funding elswhere and telling me if I have such an emergency just let them buy out the amount it is not legal that is like a loan shark and predatory. XXXX XXXX XXXX was prosecuted in New York under federal court for the same activity.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct the following account : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Review of my credit report revealed accounts I believe are fraudulent. Request immediate removal and blocking.
Product: Payday loan, title loan, or personal loan

Covid has caused struggles of job lost and family members returning home to my house because work is not available. It is hard to maintainXXXX persons in the household now I somehow have to deal with XXXX family members, much less keep up. I need help.
Product: Credit reporting or other personal consumer reports

For a second time I have given Equifax my drivers license, social security card and original birth certificate to correct my name on my credit report. My reports states I am a XXXX. I have given proof I am NOT a XXXX. This is a simple fix that Equifax and XXXX XXXX have not correct after giving all information they have asked of myself.
Product: Payday loan, title loan, or personal loan

I recently received an email from a company named ace cash express in new york stating legal action was going to take place on the amount of XXXX that I owed. I was scammed by this company a while back and now they say they are gon na file a lawsuit and I'm gon na go to jail and face a very heavy fine if I don't pay. I contacted the company and they told me that no contact has been made by them or anyone that is involved with this company. The email came from XXXX XXXX XXXX and they used a XXXX account. I have screenshots and texts from someone who said they worked for them and I was approved for a loan. I didn't know it was a scam until it was too late. They have information on me and now I'm scared. They got into my bank account which I froze to reject a check they tried to deposit and the bank sent it back to wherever it came from and I closed all of my accounts with the bank and went somewhere else. I know this is a complete scam and I will include the email address I got the threat from so everyone knows its a scam. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfers

I received a call from someone saying they were from XXXX and that my computer had issues. The accessed my computer and my bank account to supposedly deposit {$200.00} into my checking account. They supposedly made an error and the deposit was for {$2000.00} and needed the extra money returned. What I did n't know was that the money was a transfer from XXXX account. Needless to say I am out {$1800.00} at this time. 
The amount was a Money Gram transfer. The phone number I was called from is XXXX. 
If possible I would like assistance in retrieving the money. 
I should have went with my first instinct that this was possibly a fraud but they had locked me out of my computer using a XXXX viewer and I could not unlock the computer until they called me. TheThank your for any assistance you can provide.
Product: Mortgage

My mortgage servicer changed from XXXX to BSI Mortgage. I was making my mortgage payments to XXXX mortgage and the mortgage was current. Servicer changed to BSI Mortgage.Mortgage payments that XXXX retained in their possession for XXXX and XXXX and was never forwarded from XXXX to BSI. I have spoken with XXXX and BSI several times on this matter. BSI states they never received my mortgage payments from XXXX. BSI is charging inspection fees and interest for payments that I have already paid. The fees are excessive and is causing my mortgage to go in default. I have spoken with BSI several times and emailed them copies of my bank statements reflecting the payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a lot of letters disputing every error that has my credit report, but the credit bureaus don't investigate about my case. I have negative accounts that should not be negative, inquiries I didn't authorized. I want all that away because is affecting my score.
Product: Credit card

I received a notice through the mail from Comenity Capital Bank that the Ulta Beauty Rewards Mastercard I applied for on XX/XX/2024 could not be opened due to a credit freeze being placed on my account. I did not apply for this card, it was done without my knowledge or permission. Luckily this identity theft was stopped this time by the credit freeze but I want to file this complaint so the matter is on record.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following date : XX/XX/2024. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$510.00} XXXX  XXXX XXXX Balance : {$1700.00}
Product: Debt collection

AFNI INC put a serious past die on my credit when I called they could not tell me who they were trying to collect for said it could be numerous company PLEASE TAKE IN MIND SEE ATTACHED NO INFORMATION AND JUST A PARTIAL ACCOUNT NUMBER