23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My complaint is against XXXX XXXXe XXXX. The company has Not forwarded a disbursement request of {$43000.00} made by my mother from her HECM Home Equity Account before she died. 

My mother wrote to XXXX XXXX  XXXX ( on the fund release form ) asking for {$43000.00} that was in her Reverse Mortgage equity account to be transferred to her bank account on file with them ( I have a copy of this correspondence ). 

My Mother had a Reverse Mortgage ( HECM ) with XXXX XXXX XXXX XXXX   XXXX. In autumn 2017, XXXX XXXX XXXX bought her loan from XXXX XXXX. 

Writing in - on the fund request form - is her usual way to request disbursement of monies from her reverse mortgage Home Equity account. 

My mother made this monetary request {$43000.00} as part of her 'putting her affairs in order ', whilst she was in hospice-care when the doctors told us she had weeks to live. 

After my mother 's death ( + probate/when I received access to my mother 's accounts ) I contacted XXXX XXXX XXXX, to query when the monies would be disbursed to her bank account. The money never arrived. 

I was told by a XXXX XXXX 'phone agent ' that they have a 'different policy ' to disburse monies from a XXXX XXXX XXXX Equity account. " Different ''??? 

I have asked XXXX XXXX XXXX rep XXXX XXXX ( via email ) - several times over several months for the name of the person at their organisation who can assist me / discuss this disbursement issue. 
I have had No response, from a manager/director at XXXX XXXX  XXXX pertaining to this matter. 

I am asking that XXXX XXXX XXXX respects my mother 's disbursement request, and send us the {$43000.00} that is in her Home Equity Account. 

In conclusion, 1. When a company takes over a client from another company - if they have a policy shift, it's mandatory to advise the client of this change. 
XXXX XXXX XXXX did not tell us anything - They are just holding her/our money. 

2. When dealing with the elderly, putting information on paper ; getting her to sign a document outlining how she gets access to the money in her Home Equity account is important ( if they have a policy change ). This would allow her to act accordingly. 

Not doing so, takes away her Right to get access to her home equity funds {$43000.00}. 
This is Unjust. 

I am asking that XXXX XXXX XXXX respects my mother 's disbursement request, and send us the {$43000.00} that is in her Home Equity Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I malied in list of disputes ffrom false and inaacurate information listed on my Experian Credit report. I did not recieve a response within 30 days of Experian recieving my disputes and still have not recieved any update. In addition the items listed on my Experian Credit report are inaccurate and negatively affecting my abilty to obtain credit.
Product: Credit card

i was in the hospital with a XXXX XXXX i was given many tests and now i taking XXXX XXXX  i am not doing well i can not handle the stress from this bill
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX, representatives signed for the certified dispute letters that was sent to XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  for the accounts on my consumer reports. I have not been notified of status of the investigation neither did the company notify the credit bureaus for them to leave the comment required by law stating the the account was in dispute within 30 days. The companies mentioned above have broken the law and I'm requesting that the negative accounts be removed from my consumer report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I initiated a purchase through an online add for a discounted XXXX. I used my PayPal account to process the payment. Immediately upon the transaction being done, I received an email confirmation showing that my payment had been made to a personal email address and not the company I thought I was transacting with. This is a clear case of Fraud, where the user has set up a pfishing site that is a near exact copy of the actual site. 

Fraudulent website located here. XXXX XXXX  XXXX Website is misrepresenting XXXX XXXX XXXX Payment was made via paypal and immediately misdirected to an email address that is clearly not XXXX. The issue was immediately reported to paypal so that you could prevent the fraud transaction from being cleared. I open case XXXX, which was closed systematically today without resolution. I have attempted to correspond with PayPal and instead I am being sent a redirect email from them directing me back to their website. 

Here is the email address that payment was redirect to : XXXX Please contact me for additional details.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX {$750.00} XXXX XXXX XXXX  Acct # XXXX {$200.00} XXXX XXXX Acct # XXXX {$900.00} open XX/XX/XXXXXXXX XXXX XXXX Acct # XXXX {$830.00} open XX/XX/XXXXXXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX
Product: Credit reporting or other personal consumer reports

These injuries were unauthorized. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian continues to report a bankruptcy that they do not have validation or verification. I reached out to the court and they stated they do not release this type of information. Since Experian failed to provide evidence and did not remove the bankruptcy I have initiated legal action and now they must remove it until the proceeding is over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an Inquire fro m Comenitycapital/ XXXX   on  XXXX    XXXX ,2016  which I do not recognize. I did not and have not approved this in any manner. This information was reported incorrectly on my credit report and is affecting my score.
Product: Credit reporting or other personal consumer reports

Im requesting your assistance with the incorrect account reflected on my credit report. It has damaged my reputation, and I need you to help fix this situation. Your incorrect reporting has caused me considerable distress, and you need to clear this inaccurate information from my record.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal lease account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under number XXXX, and an account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I am Mr XXXX XXXX XXXX from XXXX XXXX. I would like to report a suspected money laundering and fraud incident and request a recall for a number of wire transfers made from my account in XX/XX/2020, in the total amount of XXXX USD. 
At the time these transfers were made, I wished to use the services of an online merchant by the name of XXXX XXXX, who I contacted through their website XXXX which claimed to provide me with facemasks. 
In order to receive the shipment, XXXX XXXX instructed me to transfer money to a specific beneficiary, XXXX XXXX, that had an account with Fifth Third Bank in the United States. 
After I settled the payment I expected to receive the masks. When I did not receive the masks that I paid for, they kept promising me that they would refund my money but have not done so. They are not replying to me any more. 
This situation has hurt me a loss and is a very big financial loss. I feel very stressed and need XXXX  help. 
I am reaching out to XXXX, to assist me by requesting the beneficiary 's bank, Fifth Third Bank to launch a fraud investigation against the beneficiary company, XXXX XXXX and reverse ( or recall ) the transfers if the funds are still available in XXXX XXXX 's account. Finally the beneficiary 's bank rejected my requesting.
Product: Credit reporting, credit repair services, or other personal consumer reports

U.S. Department of Education sold my information to XXXX  XXXX and XXXX  XXXX sold my information to XXXX without my consent. I am very upset because my social security number is private insurance and I know by law they are not suppose to do that.
Product: Mortgage

in XXXX of 2021 I received a tax exemption on my property taxes. In XXXX of 2021 I sent a copy of the exemption to Loan Depot and requested an escrow account review. They told me they couldn't do that without knowing an amount. My Borough sent them a letter stating I received an exemption. nothing happened and they were not interested in correcting my over payment to escrow. 

On XXXX XX/XX/2021 I sent them my new tax bill which showed my taxes for XXXX to be {$170.00} for the year. ( my exemption is for {$210000.00} in assed value ) I requested an escrow review and then I received notice that my payment was going up because I supposedly had a shortage in my escrow account. I contacted them again repeatedly. I asked to speak with a supervisor and they told me one would call to day but have not heard from anyone. When I call and ask for a supervisor i am told one will call me but no one does. 

I can't get through to these people that i am overpaying into my escrow and i have an overage in there not a shortage. they dont seem to care and want my money so they can use it to fund other loans. they pride themselves in good customer service but i have received the worst customer service ever in my entire life and nothing seems to get through to them
Product: Credit card or prepaid card

A payoff was submitted to my credit card company on XX/XX/XXXX through an escrow account and the credit card company cashed the check on XX/XX/XXXX but didn't apply it to my account. 
I called an opened a case with them on XX/XX/XXXX # XXXX and they advised me that the payment was not applied to my account but to a general clearing account. They are trying to track it down and as of today, they can not find it to apply to my account. The payment was for {$14000.00}. 
I was advised that my next payment is due in 2 weeks and they hope to find it by then.
Product: Vehicle loan or lease

I was in arrears due to decreased income from the pandemic, and called to try to work out a way to get current. Fifth Third Bank was entirely unwilling to take anything than the full amount up front, and clearly thought they could get stimulus money first from me when I dont have any. They opened a whole program around this and prey on folks support checks.

After working two weeks to get the amount needed to fix the loan status, I called this morning to arrange payment. Ive also made regular payments even while in arrears of the due amount to try to get Fifth Third something.

They told me now that the amount they asked for two weeks ago isnt good enough, and the account has been charged off and I need to pay the full balance of the car.

I hear about other banks working with folks to lower payments, or add them to the end of the loan, and so on - Fifth Third wont even try to work with me to get an account current on the same impossible terms they gave me two weeks ago! The goalpost is always moving and they do nothing except demand more with each call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need my address updated. I have asked XXXX, XXXX, and transition to delete these ASAP. I only live at XXXX XXXX, XXXX, MI XXXX. I have lived at this address more than 2 years. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXXXXXX XXXX XXXXXXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, or XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Federal law FDCPA have a 30 day resolution. I disputed 4 bankruptcies on my TransUnion credit file, XX/XX/18, XX/XX/18, and XX/XX/18. TransUnion responded XX/XX/18, however, willfully omitted to state CUSTOMER HAS DISPUTED VALIDITY OF THIS ITEM on my credit report. As required TransUnion failed to contact bureaus on my behalf within 30 days.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Accounts/ inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Has violated my rights. I looked at my credit report XXXX XXXX and noticed all the inaccurate information. And according to the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow resonable procedures to assure maximum possibe accuracy of the information concerning the individual about whom the report relates according to 15USC 1681 ( e ) ( b ). And according 15 USC 1681i 5 they are supposed to do this ( 5 ) treament of inaccurate or unverifable information. ( A ) In general if after any investigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information from the file of the consumer or modify that item of information is found to be inaccurate or complete or can not be verified, the consumer reporting agency shall ( 1 ) promtley delete that item of information from the file of the consumer or modify that item of information as appropriate, based on the results of the investigation and ( 2 ) promptly notify the furnisher of that information that the information has been modifed or deleted from the file of the consumer. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XXXX, XXXX ). Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am DEMANDING an immediate deletion of the following account : XXXX XXXX : XXXX This account was charged off on the following date ( XXXX, XXXX ). Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am DEMANDING an immediate deletion of the following account : XXXX Bank : XXXX This account was charged off on the following date ( XXXX, XXXX ). Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am DEMANDING an immediate deletion of the following account : XXXX XXXX XXXX XXXX : XXXX This account was charged off on the following date ( XXXX, XXXX ). Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am DEMANDING an immediate deletion of the following account : XXXX XXXX XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX CARD XXXX, XXXX XXXX XXXX pursuant to 15 USC 1681ia1a , your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation.

As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o.

Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Debt collection

AMCOL just reported a collection account on my report. Prior to reporting it, they did n't send me a notice of right to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/SYNCHRONY MAST continues to put on all my credit reports this debt that is not mine and was part of an identity theft issue that was filed in 2015 and they refuse to remove this from all my credit reports despite multiple requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

this has been going on for about10 years i even got a lawyer. went bankrupted to save my house so ever thing has past everthing is good and now there doing it again XXXX XXXX from hsbc is sending me letters that i am behind whitch i call hsbc and no one has be behind and they email him to call me but he dose not i call the number hsbc gave me and left message still on one calls he has things on my credit report that should be gone but he keeps them on there
Product: Debt collection

Please re open a previously closed complaint # XXXX. 

Theie response is not accurate and has not been vetted. I have been and currently am a solid and loyal customer of XXXX for over 12 years now. I pay {$300.00} every month for 4 phone lines. This makes absolutely no sense to open an account for a month then turn around and not pay it off. They can check my name in their system and it will show this same information. 

As a matter of fact My XXXX YEAR OLD daughter was at the mall XXXX shopping without me and decided to ask the kid working at XXXX how to upgrade her phone. The kid working at XXXX told her she just needed to pay a fee upfront and sign her father 's name which is XXXX. The XXXX rep did not ask for any ID AND LET MY XXXX YEAR OLD DAUGHTER UPGRADE A PHONE I JUST FINISHED PAYING OFF TO THE NEW XXXX XXXX. Now I'm stuck paying on a new phone XXXX again for the next 2 years. XXXX OBVIOUSLY HAS People working there doing shady /unfair and illegal transactions just to make a sale. They can pull their video tapes and check. 

THIS GOES TO SHOW HOW XXXX ONLY CARES ABOUT MAKING MONEY AND Doesn't check IDs I presume this is what happened in 2016 when someone used my information at XXXX and now I'm being penalized for a debt I did not create. This makes absolutely no sense at ALL why would I get a phone and text myself ... There are only 4 of us in my home and ive been paying for 4 phones for years.
Product: Credit card

On XX/XX/year> I received a credit card in the mail from Discover. I never applied for this card or authorized them to open a credit card account in my name. 
On XX/XX/year> I contacted Discover and explained the situation, asked that the account be closed and that they remove the account from my credit history. I also asked that they email me confirmation when this was completed. It is still the same day but so far I have not received an email from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of 2019 I submitted a 609 dispute letter to the company and was sent back a bill this response did not provide me with the information I requested per my 609 dispute letter