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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$0.00}.
Product: Mortgage

We have been trying to do a loan modification with Loan Depot since last XXXX. To date we have got a resolution. We have been told so many discrepancies from even supervisors. We have submitted our documentation to them over 20 times if not more. We get contradicting information from Loan Depot in the mail-ex ; your loan has been caught up '' one day later " your loan is in default '' we can help you ''. Throughout the last 6-7 months of going back and forth sending documentation they have needed, letters, etc. my husband called XXXX ; the status and whomever he spoke to said " our request has been denied - " because we aren't 3 months behind on our mortgage '' NO ONE COULD TELL US THAT IN THE LAST 6 1/2 MONTHS!!! Their paperwork that we have filled out states to qualify for a loan modification the hardship had to be resolved. so how can we do that if they tell us our payments need to be 3 or more months late- if that was the case we would have not paid. Also they paid out homeowners insurance almost 2 months early now our escrow account is negative, in return our house payment has increased significantly. 
All we wanted to do and what was suggested to us back in XXXX by a LOAN DEPOT representative was to apply for a loan modification. We are about XXXX XXXX months behind- we just wanted to modify the loan to add the amount late and get caught up- They have every single letter, application, documentation, etc. We are beyond frustrated!!! I DO NOT RECOMMEND LOAN DEPOT TO ANYONE
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont know about unrecognised charges in please. I need to take that out of my account as I dont know nothing about this.
Product: Checking or savings account

I was scammed by XXXX XXXX where they, allegedly, transferred my call to XXXX after telling me that my account had been hacked. I was on the phone with XXXX for hours XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did purchase 3 gift cards, under false pretenses, believing all the while I was talking to XXXX. I am a XXXX widow of an American XXXX Veteran on a fixed income who desperately needs my money given back to me. I am also a victim of a scam and I should not be held accountable for this horrible incident.
Product: Mortgage

I was approved for HAF funds to help with past due back in XXXX and HAF confirmed funds sent to the Lender and lender keep saying they don't have it and my acct is getting further and further behind. Funds was confirmed to be cleared, cashed and received by mortgage company from HAF and my acct still reflect nothing. I have been calling every 3 days or every week and no help since XX/XX/XXXX. I started keeping track of people that I spoke with and was told give them 72hrs, week, 2 days, putting in a ticket, sending over to HAF ... .excuse after excuse and no help to updating my acct. Please help! XXXX my name is XXXX XXXX and address is XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. 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. Kindly update these items immediately : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022
Product: Credit card or prepaid card

I have a Capital One credit card that I can not seem to get a replacement card for. It has been over two years and in both years, I have paid an annual fee for a card that I don't have in my possession. I have on two separate occasions requested a replacement card to be mailed to my mailing address. Both times I have been asked to fax/email a copy of my drivers license and other documentation to support my mailing address. I have both times send over the requested documents and still have not been issued a replacement card. I have paid annual fees in the past two years and no card. 
I do not want to close the account since it will affect my credit, but I want my replacement card.
Product: Mortgage

My mortgage was transferred to Mr. Cooper ( NationStar ) in XX/XX/XXXX. They are maintaining an escrow account to pay both municipal property taxes and homeowners insurance. However, since they took over the mortgage loan, they have failed to pay municipal property taxes from the escrow account. 

I have mailed property tax bills and delinquency notices to them on two occasions to the address they provided : XXXX XXXX XXXXXXXX, XXXX, TX XXXX. The most recent items were mailed on XX/XX/XXXX. They have not acknowledged receipt, responded or taken any action. 

I have emailed property tax bills and delinquency notices to them on three occasions to the email address that they provided : XXXX The emails were sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have not acknowledged receipt, responded or taken any action. 

I have called and spoken with individuals in their escrow department on several occasions, including the following : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They open research requests, ask me to email the documents and/or promise to take action and follow up with me. After each of these calls, no action was taken, and no one followed up with me by mail, email or phone call. 

The first missed municipal property tax payment was due on XX/XX/XXXX - {$2800.00}. They took no action to pay it. I finally paid it, along with interest due, on XX/XX/XXXX from my personal funds - total {$2900.00}. Since then, Mr. Cooper has not taken any action to reimburse me or credit my account. 

The next municipal property tax payment is due on XX/XX/XXXX in the amount of {$2900.00}. I have no confidence that Mr. Cooper will take any action to pay this on time ( or at all ) from the escrow account. I intend to check with the city a day or two in advance -- if the amount is unpaid, I will again make the payment from my personal funds. 

Mr. Cooper 's management of my mortgage escrow has been a total and complete failure from the time that they became my mortgage lender. Their customer service department is useless. They do not take any action with respect to requests made by borrowers and do not acknowledge receipt of materials or communicate with borrowers in any way regarding unresolved requests. 

I am hopeful that you can help as I have no confidence in this company to remedy the problem. Thank you very much. 

P.S. Every one of my mortgage payments to Mr. Cooper has been paid in full in a timely fashion through autopay.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Credit Bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name XXXX XXXXXXXX : account number XXXX account name XXXX XXXX : account number XXXX account name XXXX XXXX : account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is showing on experian that I have a {$110.00} dollar debt through my XXXX bill in actual fact I have a {$250.00} dollar credit on my XXXX XXXX The boost program they have also is showing that I don't have 3 payments on one of my streaming services as when I updated my cards it took off the XXXX account which I have benn paying for over 6 months and was connected before I updated everything. I've tried reaching out to them about this but they keep making excuses.
Product: Credit card or prepaid card

Ive been with my partner since XX/XX/XXXX-XX/XX/XXXX. 
Lived with him, we currently have same billing address, same home address on my drivers license, etc I moved out XX/XX/ from XXXX XXXX, not feeling safe and my belongings were missing and he started disputing charges on my XXXX   account and anything from our relationship ... who knows what else when I left ... 

He lent out his cards and gave permission to use it and gave me his pin ... he was present at the times of the purchases. He told me his pin, birthday, the numbers etc. Years of approving until I moved out XX/XX/. Hes stating that its fraud, unauthorized transactions with his space coast union credit bank and discover cards. Clearly, theres been many transactions where hes bought airline tickets for me and him, transactions from XXXX throughout the year, stores, nail salons, etc ... with the same cards. Never once did he dispute anything until I left. Now Im supposed to pay for his chargebacks on my XXXX  account. 
I have evidence we were together ( emails and texts ) and many witnesses including his son that he let me use his card.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax handle this problem XXXX  bank i have no relantionship with at all and XXXX should only be on my report XXXX  not the XXXX times it is reporting when i called up girl who i talked to said she was going to take care of them abd still nothing
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

Good morning, this is my third time trying to solve this issue with Equifax and XXXX they have to be the two worst company on this planet, they are irresponsible, arrogant, do n't care about customers, they take their time to respond to customers. 
They are reporting inquiries on my credit report which I never applied for any product, I have a vehicle so I do n't need a car loan and I will like to know why I have more than 20 inquiries less than a month that is unfair and I need justice. please help me to sue these companies. please help they are ruining my credit.
Product: Checking or savings account

On XX/XX/24 a check in the amount of {$1200.00} was debited from my joint M & T checking account incorrectly- M & T bank entered the wrong account number to draw the funds from by one digit- the check should have been debited from an entirely different account, owned by a different party, at an entirely different bank! I immediately called M & T who acknowledged the error, & said the funds would be put back into my account within XXXX hours. XXXX hours later- account still shows check being debited & available balance reflects loss. I called M & T again, & this time they told me it could take up to 3 business days, & were unable to provide me with any confirmation that the funds would in fact be put back into my account. Being the end of the month with my own bills due- and the large amount of the check- I'm very upset with the handling of this, I feel as if M & T Bank basically stole {$1200.00} from me. At the very least the bank should deposit funds in that amount to cover the wrongly cashed check. As of this writing the funds are still missing from my account, the check is showing as debited, & I do not know when, or for sure, the error will be corrected.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is discriminating against me as well as intentionally causing a hardship for me by incorrectly reporting incorrect information. XXXX XXXX closed my account in XXXX of XXXX. I filed a complaint durin this time which the company refused to take accountability. The account is shown as closed in XXXX and a 30 day late notice although the account was already forcibly closed by the company without a legitimate cause. CFPB neglected to look at my history and make XXXX justify closing all accounts although they were in good standing.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX sent a registered security with a XXXX to the trustee of XXXX XXXX XXXX ( XXXX XXXX ) for my rent it was stamp and it was sent registered mail. I included a letter of instruction. My registered security was endorsed according to 31 CFR 328.5. I instructed them to send my funds through my XXXX account and gave them my account number you will see the instructions in my attachments. The trustee 's address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX, Minnesota XXXX. I requested that they securities my security and to send me my tender. I never received the XXXX part B neither did they clear up my account. It they sent the XXXX to the treasury they have committed Fraud. My address is c/o XXXX XXXX XXXX XXXX XXXX Florida [ XXXX ] XXXX & XXXX XXXX XXXX THE PAYMENT SITE WITH THE ACCOUNT NUMBER A FEW WEEKS AFTER I SENT THE SECURITY. THEY CAN FIND ME BY MY ADDRESS. 
All rights Reserved, void where prohibited by law signed XXXX XXXX XXXX XXXX
Product: Credit card

On the following date I received this billing on my debit card. 
XX/XX/XXXX PAYPAL XXXX XXXX CA XX/XX/XXXX ( ... XXXX ) Card {$19.00} My XXXX bank initially refunded my the money. Though on XXXX reversed the payment. Stating that XXXX claimed I received services. I have never had XXXX, nor do I live in California. I have a Paypal account but it is not linked to any credit/debit or bank account. I also verified that no payment was made via my Paypal account. 

I tried to contact XXXX. It is impossible unless you have a account. Which I do not as I have never used XXXX. Who ever stole my information may have used XXXX. But I as owner of this account received nothing but the bill. I have my old credit card information to verify my ownership and address to prove no XXXX was used at my residence ( I own my home ). 

I did have XXXX cancel my original card and issue a new card. No further Paypal/XXXX  charges have appeared. 

I would like my XXXX refunded.
Product: Credit card or prepaid card

While I went to Delta website to book flight tickets, I saw at the payment page that I will get below benefits if I will apply and approved for The Delta SkyMiles Gold American Express credit card. I have applied and AMEX did a credit inquiry instantly, which ultimately my credit score impacted. I got the digital copy of the credit card ASAP. But I am unable to book the ticket with that card as AMEX declined the transaction of {$8400.00} of the ticket amount I was booking. When I called AMEX support they said that I have to wait 2 weeks to have the physical card to be eligible for ticket purchase beyond {$1000.00}. This is misleading and cheating to people if they have put the advertisement to apply this card to get {$400.00} statement credit and XXXX miles if one applies this credit card while purchasing ticket. Why they didn't mention that they have restriction to buy ticket beyond {$1000.00} for 2 weeks? There is no point putting advertisement to apply during booking. Since I am unable to pay {$8400.00} to buy ticket, I have used my other credit card in order to lock the ticket price.

See the exact lines as below, AMEX mentioned while applying. Do they expect, that I will again book one more ticket in 6 months beyond {$2000.00} to get the benefit? Appreciate if you take action on these credit card companies for making false advertisements. 

Statement Credit Issued Approximately XXXX Weeks After You Make A Delta Purchase On Your Card In Your First 6 Months. Bonus Miles Will Be Issued After You Make {$2000.00} In Eligible Purchases On Your New Card In Your First 6 Months. Earn A {$400.00} Statement Credit And XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 card or prepaid card

Commenity capt XXXX XXXX XXXX XXXX ph XXXX Billing disputes XX/XX/XXXX Hello, I am a victim of identity and bank fraud. As a result, monies exceeding XXXX was taken out of my account and caused payments to decline and a 30 day mark on my credit. A police report is attached and bank emails as proof. It was discovered XXXX and is still under investigation with bank. Rejected payment has been re submitted from another account. 
Please reverse negative 30 day. I assure you a missed payment was not my intention as I did have monies in my account but around this time my bank accounts were compromised due to fraud XX/XX/XXXX Commenity bank stated it takes 30 days to investigate. 

XX/XX/XXXX received alert from Credit bureau saying my file was updated to not being 60 days past due XX/XX/XXXX I called Commenity to see what was going on with the investigation and was advised the account was closed and when asked why they said the credit bureau told them too but wouldnt say which one. They then said it would be deleted from my credit file but credit bureau do not show this and the 30day mark is still there on Commenity system and all 3 agencies. I called the credit bureaus and all 3 stated they did not request to close my account and resubmitted my request to have 30day mark removed due to bank fraud. 

On XX/XX/XXXX I sent another message through the message port al 1. Message as follows : I filed Dispute to have my account status u pdates from 30 days late to paid as agreed due to a payment reversing as ns
f due to reasons outside of my control as my bank account was compromised. I called and was told you could reverse this as a courtesy since the bank fraud was no fault of my own. I was advised to provide copy or police report and message from my bank in which I did. However it he message portal was broke so I was told to reach out to the 3 credit bureaus. I did and now Commenity says my account is closed and the 30 day mark is stil up there. However credit bureaus all say they didnt request that. Please help and remove 30 day and reopen my account. I will also notify CFPB to get involved as I get nowhere through customer service or this portal Please help this company closed my account did not respond to message, 30 Day mark is still there. I will pay this off in full but need it to reverse the 30 day mark. I will never do business with Commenity again until the develop better practices and controls to fix issues like this without creating further confusion and inconvenience. My credit limit was reduced and then just closed its insane when I made it clear that my missed payment was due to nofauly of mine provided all proof and they create a bigger mess for me. Please remove the 30 day mark and at this point thr account can stay closed