23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, XXXX, Credit companies are not complying with their own policies within a timely manner, on XX/XX/2022 I contacted the above companies regarding multiple account inaccuracies including a XXXX consumer account showing {$10000.00} balance and inquiries including XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I have yet to receive in response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX, I reached out to XXXX about an account ( Conserve XXXX ) thats still reporting on my credit repot when it was suppose to be removed in XX/XX/XXXX after payment. XXXX still hasn't removed the account. I reached out to the company ( Conserve ) that reported the account and they said they sent over the information to XXXX to have the account removed and its still reporting on my account as of today. I want this account removed immediately as it is affecting my score and chance of being a homeowner.
Product: Debt collection

My records associated with the account MERCHANTS CREDIT GUIDE do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment to MERCHANTS CREDIT GUIDE but I did not receive what I asked and these violations persist on my credit report.
Product: Credit reporting

This is my second complaint. I opened a loan with XXXX college XX/XX/XXXX. The notation on their trade line on my files is : " First payment never received ''. This means my first delinquency date was XXXX. I never rewrote this loan, made a payment on this loan or did anything on this loan. 
XXXX reported it as a collection after receiving no payment XX/XX/XXXX. ( That notation is on the paperwork attached ). Of course the delinquency date was still XX/XX/XXXX since NO PAYMENT WAS EVER MADE. To illegally manipulate the bureau 's obsolescence programs and VIOLATE FEDERAL LAW they changed it back to 180 days late XX/XX/XXXX. Apparently so that this stays on my credit file for the rest of my life. 
I filed a complaint and all TU did was tell CFPB that they sent the dispute to XXXX and XXXX verified it was correct. ARE YOU KIDDING ME? THIS IS SIMPLE MATH PEOPLE. NO PAYMENT SINCE XX/XX/XXXX ... changed to collection and then back to 180 days late. DO I HAVE TO SUE TRANS UNION TO GET THEM TO OBEY THE LAW? 
Please pay attention to the historical payment detail attached and force Trans Union to obey the law. 
You folks really should publish this one. I understand this manipulation of account status is the number one way companies keep things on people 's credit reports for the rest of their lives.
Product: Debt collection

MERCHANTS AND PROFESSIONALS, XXXX XXXX XXXX, President XXXX The basis for my dispute was required to notify me prior to XXXX/XXXX/XXXX, or no later than 30 days after MERCHANTS AND PROFESSIONALS, XXXX XXXX XXXX, Presidentfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative  derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC? 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 
Also, MERCHANTS AND PROFESSIONALS, XXXX XXXX XXXX, President '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA? 809, which is {$1000.00} per violation and the state of TX allows treble damages. 
Under? 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) MERCHANTS AND PROFESSIONALS, XXXX XXXX XXXX, President failed to send me my initial communication before placing this alleged derogatorystatus on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve MERCHANTS AND PROFESSIONALS, XXXX XXXX XXXX, President is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( Tex.App-XXXX XXXX XX/XX/XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX )
Product: Credit card or prepaid card

On XX/XX/2020, I entered the XXXX XXXX XXXX website to book two hotel rooms. Those hotel rooms totaled a purchase of {$540.00}. In my " Summary of Charges '' the XXXX site indicated " Get the Marriott Bonvoy Boundless Credit Card and receive a {$250.00} statement credit after first purchase ''. Initially I thought, " Ok, well they'll credit me if i purchase something later, I'll pass. '' But then to the right of this there is a breakdown of charges that displays the stay total of {$540.00} less a {$250.00} statement credit, equaling {$290.00} Total after statement credit. I then thought, " No, this will obviously count as my first purchase, according to my summary of charges I'll receive the credit towards this first purchase, what a deal .... ''. I'll also point out that this rate was for a Bonvoy Rewards member which the advertisement indicated i would automatically be enrolled in after credit card approval. I then proceed to move forward with the application, I was approved and then suddenly the next screen indicated there was an error and I could not move forward. So now, I have no way of completing the reservation, no rewards member info to book the room at the discounted rate and no way to purchase the booking with the card XXXX just encouraged me to apply for with their wonderful statement credit. So I call the number associated with XXXX and they tell me there's nothing they can do, I'll need to call Chase. I call Chase and that's when they advise that no, you can't book your stay with your new account so that you can receive the credit we've just promised you through our deceptive marketing and no we're not sure how you book on your existing credit card to receive the reward member rate. I ask for a supervisor and am transferred to XXXX an Account Supervisor who I respectfully requested two things. To immediately close my account which she obliged. Secondly, to have the credit inquiry removed from my credit report through all three of the credit bureaus since that inquiry was the result of their coordinated and deceptive marketing with XXXX. She advised she could not. I then asked her if Chase has an executive complaint office that I could be forwarded to and again she advised no.
Product: Checking or savings account

On XX/XX/2023, I was the victim of a scamming incident through XXXX. I immediately called my bank to advise what had happened, and they opened a fraud investigation. I lost {$1600.00}. I never received any update on the outcome of the fraud investigation, and they refused to reimburse the money that was lost through the XXXX scam. I filed a police report as well. I was told by a personal banker that I would be receiving correspondence regarding the outcome of the fraud investigation, but it has been almost a month, and I haven't received anything. I have been a customer of this bank for over a decade, and the fact that they refused to cover the amount that I was scammed out of ( {$1600.00} ) and not treating me like the victim of the crime that I was was deeply disappointing. We are a family with one income and a child. Losing that kind of money was deeply upsetting for us and effected us greatly on our ability to pay our bills.
Product: Debt collection

The first call I wastold about owing the debit. I questioned the debit and requested an invoice. The collection agency then gave me a number to call to find out more about the debt. The number was to an over seas call center who informed me they could not send me an invoice because the invoice would be marked as paid. I then call the vendor ( XXXX XXXX ) who indicated that I did not owe anything to them and they did not send it to collectiona. The vendor called debt collection and took care of the matter. A month later I received another call from this collection agency on the same debt. I indicated I did not owe this, the vendor does not think I owe them, and to stop calling me. I was then told that they would decide the matter for me. When this collection agency calls it is a robo call and even if you answer the phone they just give a recorded message to call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 a account without my written instructions
Product: Credit card

Without cause, chase XXXX decreased my credit limit substantially, therefore negatively affecting my credit usage percentage, from under 30 % to 80 %. This hurts my XXXX credit score. I had {$7800.00} limit, they reduced it to {$2600.00}. My balance is {$2000.00}. I asked to increase it back and they rejected my request. I do not have any late payments at all.
Product: Mortgage

I asked for a modification for my home and they are now wanting to foreclosed on my home with fraudulent documents. I 'm only 4 months behind on my payments.due to a hardship I sent them a QWR and a proof of claim and they have not answered any of my questions. They are attempting to foreclosure on me with fraudulent documents when the mortgage lender is out of business. Please help me. I want my home and I want to stay In in my home. The alleged trust that they deposited loan was outside cuttiff date for the PSA. I have revoked the poa that was filed in the rea estate division of XXXX county.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has abused my reports & violated the FCRA by using automated means
Product: Credit reporting or other personal consumer reports

XXXX XXXX  reporting inaccurate information in my credit file. This account was in litigation, and settled in court, but XXXX XXXX  continue to report wrong information to XXXX.
Product: Credit card or prepaid card

On or about XX/XX/2018, I was notified by XXXX Credit Bureau that XXXX XXXX reported over the balance with a decrease in credit by two FICO scores. I logged into the bureau to find by Discover cover over {$150.00}. I called discover no one had the info and I thought it was related to illegal activity on my account. I logged into my Discover account only to find that on XX/XX/2018, Discover did a repost to a dispute for {$220.00}. he company did not notify as advertised or make a called to see if I wanted to challenge the amount or what was going on. Discover then allow a representative on XX/XX/2018 to approved the {$220.00} from the merchant to be legit and failed to look at the required contents of the submission provide my the account holder. I have excellent credit and only at lease pay Discover balance in full mostly every month. To not get notified of this overcharge or dispute is not within ethics, standards nor does it restore confidence and Integrity with Consumers. The agent acted without thoroughly reviewing what Discover had previous requested for the initial dispute. The documents was in view but, this agent just sided with a company who Scam me and may be others. On XX/XX/2018, I spoke to a supervise and she resubmitted the dispute and gave a provisional credit. I had previously report this same merchant to XXXX and XXXX stated they had zero tolerance for merchants like XXXX with scamming customers and it was against their policy. I have used this merchant in the past but, no for this type of services and they had always completed within one day. This last project they lied to get my money then, gave me the run-arounds for a month and tried to credit for my work. I called Discover ( spoke with a different Supervisor ) I told her about the agent on lack of effort of them not reviewing the documents and she stated, " It not a legal requirement to do so! '' I asked then, why would Discover have me to download the Proof when, Your not going to hear what your customer has to say or give them rights! She then turned into a unlicensed attorney, " That is way you need to take legal actions because, it looks like to me all the work is the say! '' I don't know how Discover made her a supervisor. She was not speaking in terms knowledge of Discovers mission statement, value, Integrity, or trying to restore confidence like the first supervisor. ( my understanding from the conversation ) She's telling me, '' we don't care its what every the merchant states. Your complaint is just going to repose again. Your wasting your time. Out of her own mouth- That's why you need to filed this in COURT ... WOW. So, Since Discover did the repose on XX/XX/2018 hurting my credit and this last supervisor advising me to file this in COURT. I feel I have no RIGHTS and Discover will do this again.
Product: Student loan

I am paying back my loan but complained to Navient about why my loan interest was increased to XXXX % for which I never accepted. I am not in default but I did have have a problem getting a forebearance which took a while to get but had to use my unemployment to pay while waiting. I am unemployed now and is struggling to pay it now without unemployment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation took more than 30 days I am not liable for these debts that the bureaus are reporting and have disputed them and pointed out many FCRA violations. I also do not have a contract with any of these companies and I even asked them to validate the information and they were un able to do so.
Product: Credit reporting or other personal consumer reports

For well over the last year, Ive been trying to get them to remove the affirm accounts that are listed on my credit report. I was never late on those account accounts, and I have the paid in full letters that affirm sent me themselves. One of them is a four dollar account. Why would I leave four dollars unpaid
Product: Debt collection

To whom it may concern ; While checking my credit, I came across an account that states " it is closed ''. I called the Company, the first woman told me the " account '' has been sold to XXXX XXXX XXXX She transferred me over. I spoke to a woman on XXXX XXXXXXXX XXXX, she got a new address from me and said she would mail me a letter with information in regards to this account. She did keep repeating that the account was open and I owed {$980.00}, but the she also mentioned the account was for {$750.00}. 

I called Discover Bank and XXXX on XX/XX/2021 around XXXX. 

I have yet received any information in regards to these accounts. 

I called discover bank again today, XX/XX/XXXX, the Woman I spoke to was XXXX " XXXX ''. She mentioned they do not do reference numbers. I asked if she'd be able to sent me anything in regards to this account that they say is mine. XXXX mentioned they do not do that and that I can ask over at XXXX XXXX XXXX 

It has been well over a month, and yet I have not received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered XXXX XXXX on my credit report on XX/XX/XXXX. According to the credit report, the account with XXXX XXXX has been opened since XX/XX/XXXX. 
I have never received notification by mail that I owed this debt. 
On XX/XX/XXXX, I was told by a XXXX XXXX representative that the original debtor is XXXX XXXX XXXX which was opened on XX/XX/XXXX. I requested back-up paperwork to see if it is my debt. As of XX/XX/XXXX, I have not received the back-up paperwork. 
I checked my bank statement for the date of XX/XX/XXXX and I show no deposit by XXXX XXXX XXXXXXXX. 
In XX/XX/XXXX, I moved to West Virginia. I researched the XXXX XXXX   XXXX website and discovered you must go to a store to get your money. The nearest store is in Ohio. I did not go to a XXXX XXXX XXXX store.
Product: Checking or savings account

On XX/XX/scrub>XXXX XXXX  I had a hotel reservation. The hotel placed a hold for {$250.00} at check in. ( Card XXXX ) On XXXXXX/XX/year> upon checkout I completed the payment against the hold of {$250.00} which totaled {$220.00} {$250.00} - {$220.00} = {$29.00} My refund of {$29.00} was released back to my account ( card XXXX ) per the hotel. 

Cash app refuses to release the {$29.00} stating the hotel placed a hold on this amount. The hotel has stated they have not placed any hold on my refund. 
Cash app told me to provide a letter from the hotel stating the release. The hotel provided a letter stating the release exactly how cash app wanted the letter written. 
Cash app refuses to acknowledge the letter. Cash app refuses to provide verification of this hold that they say the hotel placed on my refund. 
Cash app refuses to provide transparency and is uncooperative. 
Cash app insist on waiting out the 30+ days to receive my refund.
Product: Mortgage

I write this letter with the hope that someone in your agency may be helpful to assist me/us in the resolution of a longstanding issue we 've been experiencing while in the process of negotiating a short sale on behalf of Mr. Realtor 's client : Homeowner Mr . Homeowner is a diplomat with the XXXX government. XX/XX/XXXX Mr . Homeowner was forced to relocate his family to XXXX on assignment to fulfill his Consulate duties. Since the above mentioned property 's value was considerably less than the current market he hired Mr. Realtor XX/XX/XXXX to proceed with a short sale. A complete short sale package was submitted to the 1st lienholder ( SPS ) XX/XX/XXXX. 
Mr. Realtor proceeded with marketing the property for sale via the local *REALTOR 's Multiple Listing Service ( MLS ). 
During the period between : XX/XX/XXXX - XX/XX/XXXX Mr. Realtor procured three separate buyers through his marketing efforts. Each buyer canceled as a result of an inordinate amount of time waiting for this transaction to be granted an approval by the 1st lienholder ( SPS ). The reasons for the delays were varied - from the net proceeds being insufficient, documents required to be updated to Broker Price Opinions ( BPOs ) expiring due to the lengthy process. Finally, after procuring the third buyer an approval was granted - XX/XX/XXXX. By this time the buyer in question was forced to cancel because he could n't afford to wait any longer as his living conditions were temporary and he needed to renew a lease. The property was subsequently returned to the MLS and another buyer was procured as a result. 
By this time since the seller 's net proceed was known in accordance with the approval granted with the previous buyer - Mr. Realtor saw no reason why a subsequent approval would n't be expedited as identical terms were negotiated to protect the net proceed amount required by the lienholder ( s ). 
Until today SPS has not provided us with an approval giving the most unreasonable excuses. It appears that SPS has not trained their employees properly when it comes to loss mitigation guidelines and procedures specially for the State of NV. 
Therefore, I 'm reaching out to your agency for help since we have done everything within our ability over the last twenty two months to complete this short sale - procuring four separate buyers - providing all the required documentation - only to discover SPS failure to perform in accordance with loss mitigation guidelines that are in place for the state of Nevada. We believe Mr . Homeowner 's consumer rights have been violated. SPS has made this client feel unprotected by this unfortunate situation. The homeowner " Mr . Homeowner '' is in distress as he is a foreign diplomat who is obviously concerned about having a foreclosure on his record.
Product: Mortgage

XXXX XXXX was my previous mortgage servicer. Required documents were emailed to XXXX XXXX XXXX XXXX that was required for short sale processing there is a purchase contract on property, its a cash sale, purchaser are ready to close. Short Sale was in processing with XXXX XXXX, BPO with interior photos completed. Mortgage was transferred to Select Port Folio XX/XX/2021 I spoke with Customer Service Select Port Folio informed them I need the short sale processed ASAP because I don't want to lose the purchaser for my home. I would appreciate your immediate attention with this urgent problem. Requested Relocation fee of {$10000.00} because Im selling my home on short sale.
Product: Mortgage

I contacted BOA XX/XX/XXXX to let them know we wanted to short sale the home. I was told we had to apply for and be denied a modification first. I provided the requested documents, was contacted for more documents, and this cycle continued for five months. Despite sending in a requested letter of explanation on my situation in XX/XX/XXXX, and requesting a short sale, NOT a modification, my file remained in review for modification until XX/XX/XXXX. I 've heard multiple stories about the process to get this done and have received bad information, faxes and emails were " LOST '' phone calls NOT returned, etc., all to find out I am still in the beginning stages of NOTHING. All the while, I have a contract for purchase on my home that was signed months and months ago. Most recently, my real estate agent was asked to open a file in equator and when she attempted to do so, was unable to due to " lender placed property is already active '' error message. She reached out to BOA for help in getting access to my property in equator to move this along, and after several messages to XXXX people ( XXXX XXXX - XXXX ext. XXXX. His manager is XXXX XXXX - XXXX ), they still have not received a call back. The first message was left on XX/XX/XXXX ( SEVEN days prior to today ). I have also called the manager referenced above ( XXXX XXXX ) and have not received a call back. I have done everything in my grasp to make this situation right, and it 's dragging out longer every time I turn around. I can never speak to the same person at BOA and get different information almost every single time I call. With a check of the phone conversations ( which are recorded ) you can see the different stories I have been given. You can also look at the log of information BOA requested, and notice how quickly I have provided everything they ask for, sometimes more than once. The buyer who placed a contract on my home has to move from his current home XX/XX/XXXX. We are nearing that date and he is going to walk away if we can not make some headway here. This company is disorganized, lacking in basic knowledge and completely lacking in efficiency. I am seeking a manager or leader of some sort who can help me through this process. It has been over seven agonizing months of chasing my tail. While I understand a short sale can take time, unfortunately, I have n't even made it to that department yet due to sheer incompetence. Thank you for any help you can provide.