23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, I have a complaint against two mortgage brokers with Lennar Mortgage. 

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX complaint ; 1. requested signatures on disclosures with a floating interest rate even though we specifically said we were not in agreement. He asked us to simply disregard it as it would be corrected later in the transaction. 

2. approved loan by omitting debit and manipulated credit balances to reduce debt-to-income. 

XXXX complaint ; 1. upon receiving accurate debt-to-income ; she indicated it was 57 % over the FHA guidelines of 55 % XXXX Her solution, she would use supplemental income to qualify us for loan and then seek another job after closing to cover shortages. 

2. after expressing my frustration and accusing Lennar Mortgage of mortgage fraud/ethics violations, she has stopped communication even though this deal remains active. 

Both of their conduct mirrors how lenders qualified consumers during the 2008 mortgage crisis. Approving customers, like us, for a loan we would clearly be unable to pay due to high debt-to-income simply to sell homes.
Product: Mortgage

From this XXXX XXXX  I was working with a broker from XXXXXXXX XXXX XXXX 
In late XXXX, the broker learned that I got under contract to purchase a home. 
All of a sudden, on XX/XX/XXXX, I get an email with a sign in to Rocket Mortgage. 
I then find out that the broker had " registered " with Rocket Mortgage on my behalf -as he confirmed. I did not authorize that. In fact, I had told the broker I was finding better rates myself. Still, he went ahead and opened a loan application for me at XXXX. 
Yesterday XX/XX/XXXX, I got a letter in the mail from Rocket Mortgage saying that XXXX had pulled my credit on XX/XX/XXXX. I did not authorize that. 
So, I called Rocket mortgage today XX/XX/XXXX, and complained that their unauthorized credit pull of my credit file affects my credit score. I picked another lender myself in XXXX, XXXXXXXX XXXX and I did authorize for XXXX to pull my credit. When XXXX shared the credit pull results with me, the document said that affecting my credit score were too many credit inquiries. 
Today, Rocket Mortgage, just said that their process working with brokers is to " assume '' that the borrower clients have authorized a credit pull. They do so blindly. The Rocket representative ( from their " escalation team '' ) told me he could not remove the credit pull from my credit file because he does not have a way to verify that I did not give authorization for the credit pull. I offered him my chain of emails with my broker where I am caught by surprise that he even applied to Rocket on my behalf. The Rocket representative denied. He did not want to see the evidence. 
Then, I asked the Rocket representative to cancel my application. He said he can't do it. I asked if I could do it myself directly. He said also no. So, I don't have control over the application that is under my own name. That is BAD. No control over the credit pull, no control over canceling. He said my broker needs to request cancellation. That they can get in touch with my broker to do so. Because I already asked my broker to cancel the loan application with Rocket, and he does not reply yet.

This has affected my credit, when I did not authorize nor even want to work with Rocket. This is abuse.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard this reporting accountas unconfirmed information without providing evidence within the legally required amount of time. The incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They continue to call and answer telling them that I am willing to work with them and that they try to get unnecessary information out of me that is not needed for me releated to my issue. I have medical issue going on and have had a reduce income to It and have fallen behind in everything. Everyone else has worked with me except For XXXX XXXX and allied interstate who hassle me until it is unnecessary and they call 18 times a day and not willing listen to what I am willing to with them at and i am just tired of being called On Sunday 18 times and all times of the mornin and night and needed personal informations that they do n't have any business in as credit card company, I just need help on what I can do to have a clear understanding of working with allied interstate and I have been blocking all there numbers coming in when I find out it is them because they do n't want to listen to what I am willing to work with them at they want to do there own thing when every they want.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have been bounced back and forth between the companies listed on my credit report & TransUnion trying to get this issue resolved. I have never applied for anything with the companies that TransUnion have listed as XXXX XXXX {$400.00}, XXXX XXXX {$1000.00}, XXXX XXXX {$7300.00}, XXXX XXXX XXXX {$190.00} & XXXX XXXX XXXX {$200.00}. I have never completed an application or given my personal information to these companies to get anything from them. All the accounts listed above are FRAUD accounts.
Product: Credit card or prepaid card

Closed account on XX/XX/XXXX and was told to fax a request and the refund of my {$350.00} deposit would be issued in XXXX weeks ; otherwise it would take XXXX weeks. I faxed the request that same night as I closed the account. It has been right at XXXX weeks and no refund. I called today and they told me they see it was closed on XX/XX/XXXX ( and i have a letter from them via usps stating this also ) but he saw no refund had been processed. He was going to speak with his supervisor but " they are all on the phone but I will have one of them call you back ''. It has been XXXX hours and no return call so I am asking for your help in getting my {$350.00} refunded to me immediately.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 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: Vehicle loan or lease

I have a loan with PEOPLES COM. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. You are condoning illegal behavior and the bureaus are willfully in violation of FCRA. REMOVE FROM MY REPORT IMMEDIATELY.
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 multiple 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 were unfeasible. the CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

This is not the first time that I have an issue with Citibank 's dispute department. Every time I call, it seems that nobody knows what's going on. They tell me that they are making a note in the system that whomever picks up afterwards can't see. 

I contacted Citibank at some point in midXX/XX/XXXX about a XXXX transaction that I had cancelled because the recipient couldn't withdraw the funds. XXXX was very fast in answering my emails about the whereabouts of the funds. They informed me that the transaction was successfully cancelled and that the funds were credited back to my debit card in the amount of {$150.00}. They sent me an email with the date, amount, transaction ID number, card number where the funds were refunded. All this information was provided to Citibank along with a signed explanation of what happened. This was a form that Citibank mailed to me on XX/XX/XXXX. I mailed it back to them on XX/XX/XXXX. They told me that after receiving this letter, they would consider a temporary credit until the dispute was resolved. They acknowledged that they received the letter in XX/XX/XXXX and asked me to follow up after XX/XX/XXXX.
Product: Credit card or prepaid card

There was an " automatic '' payment taken from my bank account. The credit card did not have a balance. I did not make the balance or sign up for automatic payments.I called JCPenny and they stated that i had signed up, which i never did. I asked them to look at the history, no purchases were made. Auto payment was cancelled a year ago when the credit card was paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Need assistance to correct name, address as there is incorrect information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm composing this complaint to XXXX XXXX XXXX XXXXXXXX I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A.
Product: Vehicle loan or lease

I reached out to the credit acceptance in XX/XX/XXXX, when I lost my job to ask them was there anything I could do to as far as my payments, I was making my payment twice a week {$270.00}, before I lost my job. In XXXX XXXX, I accepted another job, but I still made my payment as agreed. I lost my job in XX/XX/XXXX, didnt received unemployment, didnt receive pandemic pay, and I reached out to them and explained everything that was going on. I had another job offer, but contracted XXXX and wasn't able to except the job. I was out of work for 5months. I started back to work in XXXX, and I reached out to them and let them know what I had went back to work, and I could pay XXXX a week to get me caught up. They weren't reporting to the credit bureau, at that time, I'm {$2000.00} and some odd dollars behind on my car payment, which makes it 4 months. I have made my payments as agreed thus far, but they are reporting I am 30 days late for XXXX, and 30 days late for XXXX. I know I am behind, I asked if they had any types of programs to help me to make my account current. They told me no. I asked if I refinanced the car because it's not only affecting my credit, but my husbands as well, because he is on the car loan as well. They told me that I couldn't refinance with them, I would have to try an outside lender, or my bank. Well with late payments no one is going to refinance it anyway. So I pay {$180.00} a week, which is {$720.00} a month, and my regular payments are {$550.00} so only {$170.00} over, I wouldn't be caught up until XXXX of XXXX. If I could make more payments, or just pay the past due i would, but right now I cant. The {$180.00} a week is breaking me, but I need a vehicle. I just don't want the late payments to be on my credit or on my husbands credit, because he is trying to purchase a home for us, and the late payment are affect it really bad. I work a letter, to Credit acceptance, to see if they would remove the late payments, I don't see that they have been removed. I have reached out to them, and they still dont have any other means of trying to help me resolve the debt without affecting my credit. Please Help.
Product: Checking or savings account

Last year, XX/XX/XXXX, I was alerted of fraudulent activity on a Truist account ending in XXXX that I was the custodial parent/joint owner on with my daughter, XXXX XXXX XXXX My daughter was physically in XXXX, NC at the time of the fraudulent activity and I was physically in XXXX, NC. My daughter and I separately called Truist to report the multiple fraudulent incidents that were occurring due to her lost debit card. We were told the fraud department would investigate. I physically went into the XXXX, NC Truist Branch location and spoke with a relationship named XXXX, who additionally called their fraud department and requested they look at ATM cameras to complete the investigation. I also attempted to file a police report but was told by XXXX NC Police department and XXXX NC police department that my daughter would need to do this wherever the fraud occurred. We could only see transactions in XXXX, NC and upon going there, they told us we needed to dispute charges with Truist bank. After almost a year of going back and forward with Truist, we were notified by letter that we both were responsible for the over-drafted account in the amount of {$5000.00} and the account charges were sent to a collection agency. I have called Truist repeatedly, being transferred to the fraud department, spending multiple hours trying to rectify this situation to no avail. I am not responsible for fraudulent activity on any bank accounts I have EVER had and need your help in rectifying this fraudulent matter. On XX/XX/XXXX, my personal checking account ending in XXXX was " force debited '' {$1400.00} to which I went to the bank and they say was to cover the charge off account ending in XXXX which was victim to fraudulent activity but an unknown person ( s ). All I have in possession at this time is the information of the account transactions on the bank account and my multiple statements to the physical Truist bank. I can mail this information to you. I would like for our names unattached to this fraudulent activity. I have banked with Truist for almost 20 years and would never attempt fraudulent activity! I have made numerous calls to Truist and went into the office with no one resolving the issue. They simply keep transferring us to the fraud department which either hangs up or gives no answers. My daughter also visited Truist bank in XXXX, NC where she was residing at the time and called repeatedly with no resolution as well! There has been no follow up to us and we have been charged for someone else 's fraudulent activity against our joint account. I would like all money that we deposited or internally debited from us by Truist returned to our accounts IMMEDIATELY. Please help!
Product: Student loan

We never received any bills or any kind of paperwork about payments and now it is in deferment and being automatically withdrawn from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft/mixed file see documents attached
Product: Credit card or prepaid card

XX/XX/2022 {$3500.00} charge The XXXX XXXX XX/XX/2022 disputed charge the XXXX charge and account credited {$3500.00} XX/XX/2022 customer cancelled dispute for the XXXX XXXX account debited {$3500.00} And the rebill appeared for the XXXX XXXX {$3500.00} The XXXX XXXX bank never received the recredited money. 

Chase has lost the money and is unable to confirm through XXXX number that The XXXX XXXX received the funds. But myself as the customer was recharged {$3500.00} but the funds not paid out to the merchant.
Product: Debt collection

THIS COMPANY ; [ SOUTHWEST CREDIT SYSTEM ] HAS REINSERTED AN COLLECTION THAT HAS ALREADY BEEN REMOVED. THE COMPANY IS IN VIOLATION OF MY RIGHTS!!!
Product: Money transfer, virtual currency, or money service

I was do online dating and meeting a woman and offer me type of investment by doing XXXX  she introduced me to a website called XXXX than i started to put money in and by the time I want to take out the money they just disappear and they just make so Much excuse that I wont be able to take out the money
Product: Mortgage

Ocwen misrepresented my foreclosure date to me. On XXXX XXXX, 2016, an Ocwen representative telephoned me and told me that a foreclosure sale on my house would occur on XXXX XXXX, 2016. I believed that this person was telling me the truth and that I would have to move out before this date. Because I have no where else to go, I assumed I would become homeless and have to stay in a shelter or live on the streets. I was extremely upset by this information. 

By chance, I happened to learn that this was not true : Connecticut is a judicial foreclosure state, and the court has not ordered a foreclosure date in my case. No judgment of foreclosure has even been entered. Not only is there not a foreclosure sale on XXXX XXXX, but a foreclosure sale has n't been ordered at all by the court. If I had n't happened to find out that Ocwen was lying to me about my foreclosure, this misrepresentation could have needlessly caused me to become homeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ACCOUNT XXXX XXXX account number XXXX has violated my rights, XXXX XXXX XXXX account number XXXX has violated my rights, XXXX XXXX XXXX XXXX account number XXXX has violated my rights, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights, XXXX XXXXXXXX account number XXXX has violated my rights, XXXXXXXX XXXX account number XXXX, XXXX XXXXXXXX XXXX XXXX account number XXXX has violated my rights, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX ID NUMBER XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 Section 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I was with XXXX XXXX XXXX and decided to switch to a different company. I emailed XXXX letting them know that I switched insurances and submitted my new policy to the. XXXX cancelled my insurance in 2019 and said I had a balance. I them emailed them again asking that they send me a new invoice minus the days I switched to a new company. They never did. Fast forward a year I now have negative report from XXXX on my credit report and not once did they update or send a new invoice.
Product: Credit reporting

I have tried to dispute XXXX XXXX XXXX on my credit report. The information reported from this creditor is incorrect. I even contacted the creditor requesting documents and proof of this debt. When I call, they tell me to call back or the person/ department handling my account is not available. I did take out a loan from this Company, however what is on my credit is inaccurate. I can not even get access online for this account to review my balance, payment, loan documents, etc. I even requested a new password reset ; got nothing. All I need is for the company to prove this debt. I want to pay them back but do not agree with amount on credit report. I sent proof to Transunion of an email receive from the company stating I only owe the principal amount which is {$570.00}. When I took out the loan XXXX XXXX was charging illegal fees for a payday loan. I informed them of this, so this is when they wanted to settle with me to only pay the remaining principal balance. When I contacted Transunion ( XXXX attempts ), they have sent me status stating same result and nothing have changed. Their turn around time is like within 10 days or less. How did XXXX XXXX proof this debt to them to keep this on my credit report after letting Transunion know that I was unable to get prove the amount owed. I really do n't believe Transunion have investigate this issue. What is showing on my Transunion credit report is the account is charged off and I owe {$1300.00} from a {$700.00} payday loan. I made XXXX payment of {$120.00}, but then again on my credit report shows no payments made. I will need proof of this debt to pay it off. This creditor only shows up on my Transunion credit report. What prove did they provide to Transunion? They do n't even want to provide me with prove of what I owe. Please help, I really do not know where to go with this anymore.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX credit Bureau both has been false reporting my credit for the last three -years in a row. They have been contact several times as the inaccuracy of the practice of reporting after my car accident they were paid and settled out and they continue to report well past the payoff and turning my account in to a charge-off creating a removal date of XX/XX/XXXX creating several denials for automotive applications as following 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, By turning account into a charge-off they are able to keep account on the credit report inaccurately I'm applauded after 3rd car accident in a roll of someone hitting me and founding these major errors, Finally, the default months are after settlement dates car accident on XX/XX/XXXX Pymt date of XXXX XXXX on XX/XX/XXXX Senior Rep at XXXX  name XXXX claims Payment came in sometime in XXXX XXXX. Hopefully someone there processed the payments ( investigate ) spoke w her on XX/XX/XXXX over a recorded line exactly at XXXX on Tuesday she stated that both payments are there but they continue to not report my credit properly causing me credit denials, higher interest rates, higher payments for cars and bad purchases for vehicles that breakdown quickly..