23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The Complainant engaged a lender, Prospect Mortgage, XXXX ( " Prospect '' ), to obtain financing on the purchase of a residence. The purpose of this complaint is to notify the CFPB that Prospect has refused to timely fund the Complainant 's loan pursuant to a Letter of Commitment. As a result, and as detailed below, Complainant is likely to incur significant financial damage. Complainant has reason to believe that Prospect does not have sufficient funds available to fund its loan commitments and/or engages in a practice of issuing more loan commitments than it is able to process. 

The Complainant engaged Prospect Mortgage, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, NMLS ID # XXXX, upon entering into a purchase agreement for a residence on or about XXXX XXXX, 2015. The Complainant hired Prospect based on their representations that they are XXXX of the nation 's leading residential lenders and are backed by {$5.00} XXXX in assets. 

At Prospect, the Complaint was assigned to loan officer XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, Fax ( XXXX ) XXXX, Email : XXXXXXXXXXXX. 

On XXXX XXXX, 2015, Prospect Mortgage issued a Letter of Commitment that it would provide certain financing on or before XXXX XXXX, 2015. The Letter of Commitment is executed by XXXX XXXX. 

Despite the Complainant meeting all conditions under the Letter of Commitment, Prospect Mortgage is refusing to fund the loan by XXXX XXXX, 2015, because, according to XXXX XXXX, they are too " bogged down. '' Prospect informed the Complainant that they are unlikely to be able to fund the loan until XXXX XXXX, 2015. 

The purchase contract for the property has a closing date of on or before XXXX XXXX, 2015. Pursuant to the terms of the contract, the Complainant is obligated to close once he obtains a loan commitment. The contract further provides that the Complainant will lose his deposit funds of {$20000.00} in the event that he is unable to close by XXXX XXXX. Complainant will also incur the cost and inconvenience of having to locate and move into a rental property. As of the date of this complaint, the sellers have not agreed to extend the closing date. 

Complainant has informed Prospect of their legal obligation to provide funding pursuant to the terms of their loan commitment. Prospect has refused to acknowledge that their loan commitment obligates them to provide funding. More specifically, Prospect seems to be misinformed that they are permitted to delay funding of loans based on their own underwriting and investor delays. Prospect has admitted that they are not always able to timely fund their loans.
Product: Money transfer, virtual currency, or money service

On Tuesday, XX/XX/XXXX at XXXX pm I received a text message from Wells Fargo fraud alerts asking if I authorized a {$2000.00} XXXX transfer. I immediately responded No. see below : XXXX XXXX XXXX XXXX XXXX Text Message Tuesday XXXXXXXX XXXX Free Msg-Wells Fargo Bank Fraud Alert-Did You Attempt To Do A XXXX Transfer For The Amount Of {$2000.00} Reply YES or NO Or XXXX To Decline Fraud Alerts No Thank for your confirmation case id # XXXX Seconds later I got a call from XXXX which is Wells Fargo customer service so I immediately answered. The guy ( I cant remember his first name but last name was XXXX XXXX said he was calling with Wells Fargo fraud prevention on a recorded line. He said there was an attempted {$2000.00} XXXX transfer to an XXXX XXXX. I said I had no idea who that was and did not complete that transfer. He said to reverse it I had to add myself as a recipient on XXXX with my name and phone number and redo the attempted transactions. He had me send myself {$1000.00}. Than {$1000.00} again. Than {$800.00} which declined because my funds were depleted. Than the call dropped. I received these text messages : Text Message Tuesday XXXXXXXX XXXX  XXXX XXXX XXXX WON'T CALL for this XXXX XXXX, Enter : XXXX. Don't share! Reply HELP for help, STOP to end msgs. XXXX XXXX XXXX rates apply. Send Money with XXXX message from XXXX XXXX @ XXXX. XXXX XXXX sent you {$1000.00}. We'Il deposit this Send Money with XXXX payment to your XXXX XXXX account. Reply HELP for help. Reply STOP to cancel. Msg & Data rates may apply. Send Money with XXXX message from XXXX XXXX @ XXXX. XXXX XXXX sent you {$1000.00}. We'Il deposit this Send Money with XXXX payment to your XXXX XXXX  account. Reply HELP for help. Reply STOP to cancel. Msg & Data rates may apply. Text Message I immediately called back Wells Fargo at XXXX and filed XXXX fraud claims realizing I had been scammed. Wells Fargo has since denied my claims. Since XXXX XXXXXXXX was the receiving financial institution I have to file with them. However since I do not bank with XXXX XXXX they wont do anything for me. So this is my last attempt at fighting this. All my money is gone and Im broke. Please help
Product: Credit reporting or other personal consumer reports

These negative items does not meet the FCA reporting requirements. I do not recognize how and why this is reported. 
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer Reports. Delete Immediately! Pursuant to Consumer Law 15 usc 1681B ( a ) ( 2 ), Reports must be in accordance with Consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX here, and I'm submiting this CFPB Complaint to let you know that I've been a victim of identity theft. Unauthorized Inquiries are being reported to my personal file after reading my credit report. In violation of Fair Credit Reporting Act section 605b, Equifax and XXXX XXXX XXXX XXXX continued to publish unverified information without providing the legal justification that was necessary. The Credit Bureaus have not properly identified and provided any verifiable proof within the required time frame permitted by law. The following inquiries are false, and I never gave anyone permission to view my credit. They have neither removed these inquiries from my credit report or given me a written authorization. I need the following Inquiries to be removed as soon as possible : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XXXX  XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX ACCOUNTS XXXX -XXXX  XXXX XXXX  XXXX 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 an account without my written instructions.
Product: Mortgage

My mortgage was with LOANCARE SERVICING from XXXX. I began a modification in 2014 where my payments were made on time and I should not have been reported late to the credit bureaus. I thought all was reported ok until recently I had my credit looked at as I am in the middle of purchasing a new home and indeed LOANCARE reported me late for those months. I was horrified and very angry when I saw this because multiple representatives told me this would not happen. this is quite the tarnish to leave on my credit and I am very unhappy as to why I was lied to and how this has affected my credit score and also my potential for getting a new mortgage. I have spoken to loan care a few times and they have been very unresponsive and not helpful at all. after hours and hours of calls when I finally spoke to someone they asked for a written request. I sent this is In XXXX of this year and still nothing. The months in question are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this collect agency several times. It has 3 different collections on my report from the same agency. I dont even know what this collection is. I disputed one maybe less than a year ago. It went away. And now recently, they added the same collection again! All 3 times. This is not my account. They are harassing and calling my number. This is a disturbance. I do not know where these 3 collections came from. Who are these people. It says its from XXXX XXXX XXXX XXXX XXXX, something about Medical. I have not seen a doctor in 6 years. I do not have knowledge of these accounts. 

Collection Agency : 1. ARS Account Resolution. {$1600.00} XX/XX/XXXX 2. ARS Account Resolution. {$1500.00} XX/XX/XXXX ( recent one they added on ) 3. ARS Account Resolution. {$950.00} XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

I paid {$500.00} by credit card to start loan application. 
I supplied all requested financial information. 
I was denied the refi mortgage. 
There was an email of denial reason, but I can not open it. 
The agent will not return phone calls, emails or complaints to numerous people at Amerisave Mortgage company. 
I can not reach anyone there after three days about this. I continue to reach out to reach someone. I reapply for mortgages and agents call back. They just email to the original agent who will not reply to me. 

I want my {$500.00} credited to my credit card. 
I want to know the default in my financial record that caused the denial.
Product: Credit reporting, credit repair services, or other personal consumer reports

We received your complaint. Thank you.     We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.   YOUR COMPLAINT I have been battling  XXXX , Experian,  XXXX ,  XXXX   XXXX  and  XXXX  's for almost a year to no avail. They are reporting incorrectly on my credit report and it is affecting me negatively. I am highly upset and stressed because of the inaccuracies. Numerous times, I have provided proof of payments and they still have not fixed.  XXXX  has verified it and removed both from my credit but  XXXX  and Experian still have not. Can you please assist me with this problem? I am requesting that this be removed immediately. I am providing you a copy of payments for both accounts as well as sending a copy to all the above mentioned. The next action will be to send seek legal action.   I acknowledge being late on payments following a separation which turned into a financial burden. However, I have always sent in payments even if it was small to show that I am truly trying.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, I have filed a notice with Experian,XX/XX/XXXX, and XX/XX/XXXX for removal of all old credit cards reporting as charged off from bankruptcy. Which is illegal to report after bankruptcy in my credit report. Which most of the credit bureaus move it " closed account '' but not removed it from my credit report. I have sent another letter to remove but no response from any of the credit bureaus with this matter. 

On XXXX of 2020, I have sent a request to each of the 3 credit bureaus for verification to bankruptcy reporting in my credit reports. Due to Covid-19, I have intentionally waited 6 weeks before sending complaint to CFPB with no response from any of the credit bureaus. 

When I received the response letters from XXXX 2020 CFPB, I was to call to obtain the status of response from the bureaus and when I was online waiting for almost an hour, I was told that I could NOT get the update from credit bureaus because I needed to be identified! Clearly this is delay tactic when there has been communication prior to from all credit bureaus issuing a file number and referring as the subject matter prior to now needing verifications to my identity. 

I can name number of Fair Credit Reporting Act violation with this matter and I need this matter resolved! If all credit bureaus can not supply the verification to bankruptcy in my credit report in timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.
Product: Debt collection

I'm being perused by a debt collection agency for the amount of {$11000.00} XXXX signed up for a service that failed to deliver the expected materials and I find their client to be in breach of contract. 

I payed the monthly amount in good faith until I felt like was not receiving with the organized promised to deliver. This totals {$3900.00} The service provided was not timely, of low quality, and disorganized. 

I disputed these charges with my bank and the bank ruled in my favor that the organization was in breach of contract. 

I've attached the communication from by bank awarding the dispute in my favor.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to dispute inaccurate information and According to I.R.S Publication XXXX ( XXXX ) Generally, you must include the canceled debt in your income. Therefore income is being inaccurately reported on my credit report concerning the following accounts : 1. **Capital One Bank USA NA** Account Number : # XXXX Charge Off Amount : {$4100.00} Charge Off Date : XX/XX/XXXX XXXX. **Chase Card** Account Number : # XXXX Charge Off Amount : {$2400.00} Charge Off Date : XX/XX/XXXX XXXX. XXXX XXXX Bank XXXX XXXX Account Number : # XXXX Undesignated Owner XXXX. XXXX XXXX Account Number : # XXXX Charge Off Amount : {$2100.00} Charge Off Date : XX/XX/XXXX XXXX. **Celtic Bank XXXX Account Number : # XXXX Charge Off Amount : {$980.00} Charge Off Date : XX/XX/XXXX Additionally, the following collection accounts are disputed : XXXX. XXXX XXXX XXXX XXXX Account Number : # XXXX XXXX  Amount : {$980.00} Collections Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : # XXXX Collections Amount : {$1600.00} Collections Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : # XXXX Collections Amount : {$1800.00} Collections Opened : XX/XX/XXXX These accounts are in violation of multiple laws set forth by Congress. According to 15 U.S. Code 1681a ( 2 ) ( a ) ( i ), a consumer report should not include information solely related to transactions or experiences between the consumer and the reporting entity. Additionally, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) stipulates that a person shall not furnish information to any consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. Furthermore, under IRS guidelines, a charge-off is considered gross or ordinary income and should be reported on a 1099-C form if the debt is greater than {$600.00}. Since I did not receive a 1099-C for these amounts, the reporting of these accounts as debts is inaccurate.

I have also revoked any authorization previously given under the Privacy Act of 1974 and the FCRA, and I am opting out of any further reporting as outlined under 5 U.S. Code 552a and 15 U.S.C. 6802. 

I request that you investigate these accounts and correct or remove the inaccurate information from my credit report. Please provide a written response within 30 days regarding the results of your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX - XXXX XXXX. 

-- -
Product: Checking or savings account

In XX/XX/2019. I received a letter from Bank of America informing me that my account was being closed due to fraud related activity. I never committed fraud in my account. I deposited a check into the account from my XXXX account because I was anticipating money being deposited into the account to cover the amount of the check. I was a BOA customer for over 10 years. It was baffling to me that they would assume and rule out fraud without conducting a thorough, proper investigation. Please assist as this is effecting my ability to open a checking account at other banks.
Product: Debt collection

someone put a credit card in my name in 2017 and it just came on my credit report and I never applied for that card i have a couple credit cards because i own a XXXX like XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has happened on two occasions. XXXX as reporting an incorrect balance and multiple updates within a month on my credit file with XXXX, Equifax and XXXX. My last statement date is XX/XX/XXXX with a balance of XXXX. Since this date I had two purchases ( XXXX {$18.00} and XX/XX/XXXX {$780.00} ) and a payment of {$380.00} on XX/XX/XXXX. On XX/XX/XXXX, during the same reporting period and not the end of the period XXXX erroneously reported a balance of {$830.00} to my credit file with XXXX, Equifax and XXXX showing an 83 % utilization rate. I contacted an Account XXXX and she told me, any time you make a purchase XXXX will report it to the Credit Bureaus and I stated if that is the case why isn't the same thing done when I make a payment. If that was done the reporting would of indicated a balance of {$450.00} vice {$830.00} and a 45 % utilization rate. Additionally, she advised me the balance will update on XXXX which is the statement date. So this week I have to live with this erroneous information.
Product: Debt collection

Was served with a " summons to answer '' and " complaint under simplified civil procedure '' that does not contain a clerks signature or a case number, has post office address as XXXX XXXX XXXX XXXX . 
I have not ever heard of the plantiff, no form of prior contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Other reason successful iconSubmitted XXXX XXXX XXXX XXXX  Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Other reason successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful icon filed ftc violations
Product: Debt collection

On XX/XX/2021, I, XXXX XXXX, received a letter via USPS mail from XXXX XXXX XXXX XXXX stating I owed a debtor {$630.00} and named PayPal, Inc as the creditor. While I have a regular PayPal account -- the kind in which I deposit and withdraw my own earned money -- I do not and never have taken out a PayPal credit account. In fact, the one time I tried to apply for one, I was denied, so I am pretty sure that this is either the result of blatant fraud or identity theft.
Product: Mortgage

In XX/XX/2024 Lakeview, serviced by XXXX XXXX acquired my home loan. 

I XXXX, the previous lender return the loan payment. I called, added my account information and set up auto payments with XXXX XXXX. 

In XXXX I received a call that my payment was late. I logged onto XXXX XXXX to find my loan in good standing. 

XXXX XXXX is calling from and leaving message stating they are XXXX XXXX. My loan was purchased by Lakeview, managed by XXXX XXXX. 

Lakeview will not allow me to set up auto payments due the the loan being overdue. I have informed the company a loan can not be past due in the first 90 days of acquisition. 

It feels fairly predatory that the company was not mailing, emailing, or leaving accurate voicemails.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Due to the bank reversing transactions, I overpaid on the credit card account by {$5900.00}. It has been a hassle getting my money back from them. They are telling me that they need to research and will issue a refund after 30 days. These guys are not even paying interest while they have my property. Basically, they are stealing from me and hiding behind some bogus rules of theirs. When consumers owe the banks money, they hound on you to get their money back. In my case, the roles are reversed and this bank is hesitant to work with me to return my property back to me quick. This is unbelievable and their communication has been like XXXX!!
Product: Debt collection

My name is XXXX XXXX and i served VIA CERTIFIED MAIL AN AFFIDAVIT OF TRUTH stating facts of 6 FEDERAL VIOLATIONS committed against me by IC System, along with a exhibits page pointing out the violations against me ( the Consumer ) under 15 Usc 1692, a Cease And Desist Letter and DEMANDING MY REMEDY AS PURSUANT 15 USC 1692c ( c ) ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; Im Demanding for IC SYSTEM TO PAY THE ATTACHED INVOICE FOR VIOLATING MY FEDERAL RIGHTS AS A CONSUMER, XXXX OUT THE ACCOUT AND DELETION FROM ALL CONSUMER REPORTS IMMEDIATELY. 

IC SYSTEM received this documents NOTARIZED AND COMPLETE ON XX/XX/XXXX AT XXXX XXXX  and i will ATTACHED THEM TO THIS COMPLAINT AGAIN. 

IF I DO NOT GET MY INVOKE REMEDY COMPLETE I WILL TAKE THIS COMPLAINT AND THE FIRST COMPLAINT SUBMITTED ALONG WITH THE RECORDED CONVERSATIONS FROM THE IC SYSTEM REPRESENTATIVES I SPOKE WITH AND CONSUMER AFFAIRS SUPERVISOR IN WHICH THEY STATED THAT THEY WILL NOT INVOKE MY REMEDY AND WILL NOT COMPLETE THE DEMANDS INCLUDING THE PAYMENT FOR THE INVOICE AND PROCEED WITH LEGAL ACTION FOR FAILING TO COMPLY FOR THE FEDERAL VIOLATIONS COMITTED AGAINST ME AND DEFAMATION OF CHARACTER.