23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

LoanDepot never honored the rate that my agent from XXXX XXXX  XXXX, Florida branch promised on writing to match the rate 2.875 % from a competitor : XXXX 

The agent agreed the rate with me by email [ Fri, XX/XX/XXXX, XXXX XXXX  ], I cancelled all my negotiation with XXXX and then LoanDepot sneakily sent all the documents to be signed with a higher rate : 2.99 % [ Mon, XX/XX/XXXX at XXXX XXXX ]. 

They kept procrastinating the answer to my complaint during weeks, pushing me to sign 2.99 % disclosures. They intentionally waited until the last minute when I was under pressure to sign or lose the loan and the house. 

I ended up paying one point $ XXXX to lower my rate, and it was deducted from 2.99 %, so the promised rate was never honored. This all happened after several back and forwards and dealing with management. 

I received from threatening to embarrassing communications from LoanDepot 's team, even an email was sent to third parties, to my realtor and to the title company : " this borrower has refused to sign the initial disclosures sent and is questioning every aspect of the process '' [ Fri, XX/XX/XXXX, XXXX XXXX ] And talked about " miss trust '', " haggling '' and threatened not to end up well : " This back and forth haggling and mistrust will not end in a positive or successful transaction. I guarantee it. " [ Thu, XX/XX/XXXX at XXXX XXXX ] LoanDepot should seriously review their unethical behavior, all described here shows no sign of respect for clients, even if you contacting Managers and Customers Service. Poor reviews from clients online are equivalent to the poor opening in shares, after the first day of trading in the stock market this XXXX, XXXX.
Product: Debt collection

Amcol Systems Inc -Medical {$1800.00}, reported XX/XX/2017 Amcol Systems Inc-Medical {$520.00}, reported XX/XX/2017 This is a grossly inflated dollar amount at an Emergency Room/Urgent Care facility, not a hospital that I was charged. I was NEVER able to get a detailed statement of the charges and DID NOT see a doctor. I could NEVER get a true explanation of why the charges were so high.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent a letter disputing for inquiries and accounts that are not mine to be removed from Equifax, XXXX and XXXX XX/XX/2021. I never received any response back from them. The credit company is not complying with their own policies in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$27000.00}, XXXX XXXX XXXX Balance : {$400.00}
Product: Credit reporting or other personal consumer reports

American Express has failed to update the address despite notice being sent to them to update. This has been a recurring issue with American Express including intentionally sending time sensitive information to incorrect addresses knowingly.
Product: Debt collection

I have been receiving robocalls or human calls from central credit services, INC, ( claiming to be a debt collecting agency ) XXXX XXXX XXXX and other numbers originating from different area codes across the country multiple times a day asking for a person other than me, hanging up after picking up the call, etc. I have spoken to a few of them and asked to take off the list, however, calls continue to come in. if i do not pick up the call, they leave me blank voicemails which fills up my voice mail box to the limit.
Product: Credit reporting or other personal consumer reports

Failed to perform a proper re investagtion to verify payment method, unpaid violation invoices, and increase XXXX points for discrimnation.
Product: Checking or savings account

I received two unauthorized XXXX transactions on my checking account. Both transactions occurred on XXXX XXXX, 2023. I called the bank on XX/XX/2023 and reported the pending XXXX transactions and informed them that the transactions were not authorized, and that I have never used XXXX before. The transactions were ; one for {$900.00}, and another for {$2000.00}. They were both addressed to XXXX XXXX. I do not know this person. They told me to wait XXXX business days for their investigation. At the end of the XXXX business days, the claim was denied stating that the reason for the denial of the refund was that the " transactions were both authorized from the same device ''. I asked for further clarification and they stated that the transactions happened from the same region and that there was no record of any IP address of the device where the transactions took place. I did not make these transactions.I was never asked to approve any XXXX transactions, and I have never used XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Acct # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a- Definitions ; rules of construction Exclusions-Except as provided in paragraph the term consumer report does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

power to sale is void 736.11a, new lawsuit filed 10 day automatic stay sale during this time filed on XX/XX/XXXX sold XX/XX/XXXX XXXX XXXX XXXX notice giving to him before sale and giving to company and attorney for pennymac also 4 year run after cout case XXXX
Product: Credit reporting

i had a business and it went bankrupt. I was sued and settled the debt and received a release, which was filed with the courts. The credit bureaus will not remove the judgement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am never late missing a payment to XXXX XXXX on my car loan. I set up Auto Pay when I first got the loan. I have been on Auto Pay ever since and have never had to worry about my car payment. The bank account that I use, I use solely for bills. I have money direct deposited in, and then auto pay kicks in for my bills to pay each time every month. I have never missed a payment. I don't check my bank account very often, since it is a working flow of payments. I decided to check my bank account one day, and realized that my car payment had not been taken out of the account for the past few months. Worried and concerned, I quickly logged into my XXXX XXXX account and saw that the Auto Pay had been turned off automatically. I never gave XXXX XXXX permission to turn off the Auto Pay feature. I was not notified that the Auto Pay feature had been turned off, and was not aware that my bill was overdue. I did not receive a letter in the mail, or a phone call to notify me that my statement was overdue. I had no idea that I was behind on my monthly payments. As soon as I discovered this myself, I paid the full overdue balance and re-enrolled myself on the Auto Refill Program.

Fast forward, and I found out that my credit score dropped 68 points, and my father 's credit score ( who cosigned on the loan ), dropped 116 points! We were extremely upset that this was all due to the Auto Pay being turned off without knowing, and the missed payment on the account.

I called XXXX XXXX XXXXnd they told me there was nothing they could do about it. They said I was notified via email from " XXXX XXXX '' that the Auto Pay was shut off. I checked my email inbox, spam and junk folders, and I never received an email from XXXX XXXX. They told me that I turned off the Auto Pay on XX/XX/2020 and that a confirmation email was sent to me. I never turned off the Auto Pay and never received any emails from XXXX XXXX to notify me that Auto Pay was turned off. Of course, I told them I was extremely upset, because if I knew I turned off Auto Pay, I would have paid my bill right then. 

They told me that there was nothing I can do to dispute the derogatory mark on my credit report, due to me not paying my bill on time. I am extremely upset because I have never missed a payment in my life, and now my credit score and my father 's credit score have been extremely impacted, since XXXX XXXX  did not communicate with me that the Auto Pay was turned off. This will affect our credit scores for years to come, and impact our interest rates if we ever want to buy a home or a car.
Product: Credit reporting

I have filed a complaint four different times and they continue to send the same standard letter saying they find it as a valid inquire, yet the company has told me it was concerned that it was fraud and they cancelled the approved loan. I have tried to upload the fraud form and their system does n't provide for a way to upload this form. This is my personal information and yet they wo n't change my file to reflect the truth. How are these reporting agencies allowed to share a persons personal and financial information to anyone without any regards to the actual consumer, and in turn will not provide any information the actual consumer but instead protect the person committing the fraud.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The mortgage company is reporting forclosure on my account in XXXX of XXXX and the house was sold and paid off in XXXX of XXXX. There was no forclosure on my property they tried to do a forclosure fraud in the home. They held up paperwork twice for two buyers so that we would go into forcloser. In XXXX i spoke with several employees from XXXX and i was told the forclosure was a mistake amd it would be taken off, so XXXX my wife and i go to start looking to buy a house and the forcloser appeared again on my credit report so i got back intouch with then amd was told again they would take it off amd did not. so i reached out to transunion amd was told to have them send a email stating that so i did amd was told that a fullfillment department would reach out to me to take care of the issue, come to find out there is no such thing as this department. so now im still battling with XXXX  to have this removed this had caused alot of problems and issues with myself and my family as we are trying to purchase a new forever home. so my last step is to contact the consumer finance to help solve this problem and get this removed off my credit report thanks. again i was lied to for over 3 years now back amd forth from a major mortgage company which i read up on the XXXX and there ratings are not good.
Product: Credit card or prepaid card

I have a navy federal secured rewards card. I do love this business however i am having difficulty getting my account resolved the proper way. I fell on hard times and my credit card payments defaulted. I did make a payment towards my balance and i also called to have the {$500.00} that i payed for the card applied to my balance however they won't apply it for some reason which is not a problem if they give the money back instead of holding it.
Product: Checking or savings account

I received an email as well as a letter indicating my business accounts were being closed due to suspicious activity. When I went into the branch on XX/XX/XXXX, I spoke with XXXXManager who indicated my business accounts were being closed because I was behind on my mortgage. I told the manager I was working on a forbearance application because I had been laid off. I then called and spoke with someone from Navy Federal Business Solutions on/around XX/XX/XXXX who told me my account was being closed for a different reason. She indicated the account was being closed because I filed bankruptcy and not because of suspicious activity as the letter stated. She also indicated there was a clause in the account documents which states they can close my account because of delinquency. I explained I filed bankruptcy in XX/XX/2020 and asked why was Navy Federal now closing my accounts almost four years later. She didn't really have an answer. I explained the letter I received said it was because of suspicious activity and not because Navy Federal discharged a debt as a result of my bankruptcy. The representative went on to say this was because of an audit. Therefore, I am filing a compliant because I believe these actions to be suspicious because the reasons varied and were not consistent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Product: Credit reporting or other personal consumer reports

Transunion & XXXX are inaccurately reporting the account listed as USDOE/XXXX Account # XXXX the consumer agencies have not properly investigated this account that has several discrepancies. 

Last Verified : XX/XX/XXXX - Date of Last Activity : XX/XX/XXXX - XX/XX/XXXX Date Reported : XX/XX/XXXX - XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX - - Creditor Type : Student Loans- Miscellaneous Finance Creditor Remarks : Account closed due to transfer - Account transferred or sold Student loan Last Payment : - XX/XX/XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Debt collection

Helvey and associates had incorrectly reported a power bill which was owed by one of my tenants which lived in one of my rental properties on my name in XXXX. I ended up paying the bill to try to get it off my report. It's still on my report 5 years later. This power bill was also never mailed to me, and no late notices were recieved. 

Those properties were sold in XXXX. I just got another power bill which was never mailed to me, emailed to me, and absolutely ZERO notices were sent, now Helvey and Associates has once again just reported to to all the three credit agencies taking my XXXX credit score down to XXXX. 

I need someone to help with their abuse. It is not fair that the dont contact the home owner or do anything to alert them before reporting them to credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy on my Experian report and XXXX report that belongs to my father. I would like this to be removed. It has been removed from my XXXX report.
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. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs finding indicates that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

I checked my credit report and there are inquiries that I don't recognize as well as authorize to be on my credit report Please check the documents I've sent.
Product: Credit card

1. Macy 's billing department has been harassing me via phone, mail and collections agency regarding a credit card balance which I PAID IN FULL on XXXX/XXXX/2015 in the amount of {$260.00}. 
2. I had called, emailed, and submitted several customer service emails ONLINE to report a problem with the types of bills they were sending me. 
3. Although I had been paying my bills ONLINE for several years, the online service suddenly became unavailable, preventing me from making payments online. I reported this many times, i.e. customer service, email, yet the problem persisted. 
4. Although I received no acknowledgement of my reports or complaints from Macy 's, I then started receiving PHOTOCOPIES of bills in the U.S. MAIL. 
5. Again, I called numerous times and reported this but the photocopies continued to come in the mail. 
6. During this time, the late charges/fees continued to accrue on my account. 
7. This complaint was made by me IN WRITING to Macy 's with PHOTOCOPIES of the bills I had been receiving. 
7. Finally in XXXX, 2015, I decided that I would pay the entire balance and asked them to credit late charge. 
8. On XXXX XXXX, 2015, I paid the full balance of {$260.00} minus a {$25.00} late fee, at which point, the account was at XXXX ; information that was confirmed on the phone with a customer service representative. 
9. I finally received a response/confirmation letter from Macy 's on XXXX XXXX, 2015 stating that interest charges and late fees would be credited. 
10. The letter was sent from XXXX XXXX, XXXX. XXXX XXXX, XXXX, Ohio XXXX, XXXX. 
11. At that point, I closed my file and considered the problem resolved. 
12. However, several weeks later, I started receiving calls at all times of the day ( usually one in the morning and one or two in the evening ). 
13. Initially, I would take the calls and tried to explain that I had paid my bill in full in the amount of {$260.00}. 
14. However, the calls kept coming, and finally, the account went into Collections. 
15. For the past few months, I have started receiving ORIGINAL bills from Macy 's for late charges/fees that they were STILL charging despite my payment in full on XXXX/XXXX/2015, and their letter dated XXXX XXXX, 2015 confirming that late charges would be credited.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I submitted information to TransUnion about fraudulent inquiries and a fraudulent account on my credit report. I submitted all my information along with supporting documents proving the activity was fraud, thus is very frustrating to me because it caused me to be denied on a home twice that Im trying to purchase. I dont understand why its so hard to remove the inquiries and the fraudulent account from my report. I got a response stating that they were working to fix the problem, but I still have the fraudulent inquiries on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Open Date :   XXXX  2016  {$3600.00}  Open Date  :  XXXX /2016 {$860.00} I was told that each contract was cancelled and after months it was not removed.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I have discovered a few fraudulent hard inquiries they are XXXX XXXX XXXX XXXXXX/XX/year> | XXXX XXXX XXXX XX/XX/year> | XXXX XXXX XXXX XX/XX/year>. Please remove from my credit report.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/2024. I saw some hard inquiries that did not have permissible purpose. i also attached evidence 1. XXXX XXXX XXXX  XX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b 2. XXXXXXXX XXXX XXXX XXXXXX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b 3. XXXX XXXX XXXX XXXX  This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b