23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To Whom It May Concern : My name is XXXX XXXX, I am the daughter-in-law of the late XXXX XXXX XXXX and XXXX XXXX XXXX. I would like to file a complaint against Reverse Mortgage Funding. This company is supposed to help senior who need help with their mortgage, not in my book. Yes, my in-laws did take out this loan. My complaint is not about the issue of the loan, but is that I don't understand how they were told to pay homeowner 's insurance and property, which they did. When Mrs. XXXX receives her monthly statement, it has where Reverse Mortgage have been paying the homeowner 's insurance and property taxes. 
We are aware of the federal privacy laws, and that Reverse Mortgage Funding could not provide information regarding this account. On XX/XX/XXXX, my mother-in-law wrote a letter on my behalf to allow me to talk to them regarding her account. She also gave me permission to speak with someone with Reverse Mortgage, and as of today, XX/XX/XXXX, no one has yet to call her regarding this account. When my mother-in-law receives her statement there is {$14000.00} in an escrow account. When my husband, XXXX called and spoke to a representative regarding the account, they told him the {$14000.00} was like a ghost! Well, we do see it! It is on the statement, then someone should have called and spoke to my mother-in-law about the situation. It's like they are waiting for her to die, and take her home. Is this truly the American way of living! 
My problem with Reverse Mortgage Funding is that this company is not doing what the commercial is advertising. As I have stated to the XXXX XXXX XXXX, I am willing to go to XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX with my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my updated credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these items. It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate and correct the unverifiable items below : XXXX XXXX XXXX XXXX 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

A leased a new car manufactured by Mercedes Benz USA that was was un-merchantable as one week before I leased the car, the manufacture ( Mercedes Benz ) had already planned a nationwide recall and subsequent stop sell of all modes of the car pursuant to federal laws because, there were no parts available to repair/prevent inadvertent driver-side air bag deployment. 

To make matters worse, Mercedes reps contacted me to complete the lease transaction and sign additional documents on the day the recall became active and on " three '' separate occasions after the " recall and stop sell '' of the car was placed pursuant to federal law. Yet, failed to inform me a " stop sell '' of the car was now placed. 

I discovered the facts above three weeks after purchase. Thus, had the car towed back to the dealer, refused to retake possession and instantly sought lease recession because I feared for my life if driving a car that is known to inadvertently deploy the driver side airbag. As well as due to not receiving the goods promised, the car not being of the quality a new car consumer of a luxury product reasonably expected and not being informed of the pre-existing driver-side air defect ... I would not have purchased the car or completed the lease transaction had this information been disclosed to me beforehand In addition, at the same time, the car was also found to have defects of the passenger air bag as well, in that the OSC censor failed and would not deploy the passenger airbags should their be an accident. Thus, both driver and passenger air bags were defective within the first three weeks of purchase. 

Yet, my request for lease recession citing the above reasons was denied by Mercedes, the car remained at the dealership for one month pending repair of the driver airbag and while Mercedes would go on to repair the car against my will.. they also partook in unethical business practices as they rejected my request for lease recession by stating the car was repaired and suggest legal action should I refuse to retain possession of it. 

As a result, I have spent almost one year trying to informally resolve this matter. However, Mercedes continually refused to address any of the claims cited here within directly and or explain how they are absolved from granting my request for lease recession when they knowingly allowed a car to be leased with a known substantial, safety defect and absent disclaimer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an issues with account balances, payment history, and with old accounts that should no longer appear on the credit report. I have disputed accounts multiple times, and the dispute results say that the account is updated to no longer be delinquent, but then my report still shows them all as delinquent. 

Additionally, there are accounts on there that are over XXXX XXXX XXXX, which have reappeared with a more recent date.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been four months and credit reporting agencies have not deleted all unauthorize inquiries and accounts that was included in bankruptcy chapter XXXX 
Bankruptcy chapter XXXX was filed on XX/XX/XXXXand Discharged by Federal Judge onXX/XX/XXXX 
Credit reporting agencies are reporting my credit scores at 574 and why my credit scores has been dropping as I only have two active accounts XXXX XXXX XXXX of {$40.00} a month and XXXX XXXX XXXX of {$480.00} in which vehicle loan payment was reduced to {$440.00}. 
Equifax and XXXX has 26 unauthorize inquiries that needs to be deleted permanently. 
XXXX has only two authorized inquiries and XXXX has deleted all unauthorize inquiries from my credit report.Why Equifax and XXXX are discriminating and Retaliating against me as a XXXX US Citizen and Military Veteran. 
I am XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry that appear on my persona consumer report form XXXX, Equifax and XXXX that I do not recognize from XXXX XXXX on XX/XX/2022. There is a possibility that due to the history I've had in the past with this particular financial institution, they my have issued an inquiry to cause me financial harm.
Product: Bank account or service

I had a 12 months CD with Discover Bank with a Maturity Date of XXXX XXXX, XXXX. Discover Bank broke my CD, canceled my account on XXXX XXXX, XXXX and sent the funds to the Treasury of Pennsylvania in a escheatment process. Discover Bank did not send me any warning or notice of this action either before or after the fact and they took this action with out my consent. I would not have even found out this action took place if I did not call the bank on XXXX XXXX, XXXX because of the missing XXXX INT for this account for tax filing purposes. This 12 months CD automatically rolled over into a new 12 CD unless I told the bank otherwise during the grace period before the new 12 months CD started. I did receive a notice about this dated XXXX XXXX, XXXX. When I spoke with Discover Bank and found out about this action on XXXX XXXX, XXXX, I asked the bank to retrieve the funds from the Treasury of PA. Discover Bank told me that the funds have already been sent and is " out of their hands '' and that I should contact the Treasury of PA to get my funds back. I then called the Treasury of PA and they told me that the funds will not show up in their system until about 6 months time. The Treasury of PA then told me to call back Discover Bank and ask them to retrieve the funds because they were only recently sent. I called back Discover Bank on XXXX XXXX, XXXX and told them that the Treasury of PA suggested that they retrieve my funds back for from from the Treasury of PA. Discover Bank told my " they do n't do this '' because the laws are different in all XXXX states. Note, there is a form for financial institutions to retrieve customer funds from the Treasury of PA on the Treasury of PA 's website. But, Discover Bank was unwilling to do this for me. Discover Bank should not be allowed to offer CD 's that automatically roll over if they are going to confiscate the funds from such CD 's through the escheatment process. I feel cheated and I was cheated. The CD that I had with Discover Bank was in an interest baring account. And, now my funds from this CD have been sent to a non interest baring account at the Treasury of PA for possibly 6 months or more if I am able to get my funds back at all.
Product: Debt collection

Credit collection services XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00} To Whom It May Concern, I am writing to dispute the collection account that you have reported as an " OPEN ACCOUNT '' on my credit report, as it is not in compliance with the FCRA LAWS and Metro 2 laws. Collection accounts should not be reported as " OPEN ACCOUNTS, '' and it is imperative that this erroneous information is promptly removed from my credit report. I request that you provide me with an updated copy of my Credit Report once this incorrect entry has been removed.

According to consumer protection laws, such as the Fair Credit Reporting Act ( FCRA ) and Metro 2 laws, I have the right to dispute inaccurate or misleading information on my credit report. I believe that this reporting of the collection account as an " OPEN ACCOUNT '' is incorrect and not in line with the applicable laws governing credit reporting. 

Please investigate this matter thoroughly and correct the error as soon as possible. Failure to comply with the FCRA and Metro 2 laws can result in serious legal consequences.

I am looking forward to a prompt resolution to this dispute. Your cooperation in rectifying this matter is highly appreciated. 


Sincerely, XXXX XXXX
Product: Debt collection

Already submitted everything! I will keep submitting complaints until this is resolved!!!! I did NOT GO TO THIS ER AND GET THESE SERVICES DONE!!! THE ATTACHMENT I PROVIDED WAS TO SHOW I'VE BEEN DEALING WITH IDENTITY THEFT I WAS NOT " CONFUSED ''. THE ONLY THING CONFUSING IS THAT ITEMIZED BILL THAT SHOWS ABSOLUTELY *NOTHING* TO SHOW THIS WAS ME!!!! BC IT WASNT!!!!!!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX completed inquiries on my credit profile, I did not authorize them nor provided anyone with permission to authorize them use of my information, I made contact with the company and Experian, XXXX to remove these inquiries and all attempts failed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian offered me an online dispute process when they refused to give me my free yearly credit report. They had me fill in some forms and then asked me to upload some indentification documents. When I did that, their upload took a minute, and before I could submit the request they said the web page timed out and they had erased everything. They seem to be doing this consistently, so nobody can file a dispute, because I tried the whole thing more than once. 

They need to make the inactivity timeout much longer when their upload time is long.
Product: Credit card or prepaid card

On XX/XX/XXXX my phone was stolen and the person gained access to my ApplePay and used this to make a {$4800.00} purchase on my Apple Card at an Apple Store in XXXX, NJ ( I live in XXXX )- some 50 miles away. When I realized this, I immediately called up to explain the fraud and a case was opened on XX/XX/XXXX. This case was closed on XX/XX/XXXX with merchant claiming I was responsible. When I asked how and for the evidence proving that I made the purchase I was told they could not give it to me over the phone but would mail it to me. I explained that they could look at the security footage and see that it was not me. I also explained that I had purchased a new phone that same day to replace my lost phone. I never received the evidence and continued to call asking about it. I never heard back and again on XX/XX/XXXX the case was closed against me. I immediately called and spoke to a supervisor who reopened the case and claimed they took copious notes explaining the situation. Again, I was told evidence would be sent to me and it wasn't. Again the case was reopened. It was closed on XX/XX/XXXX again against me WITHOUT anyone contacting me or sending me evidence on how they made the decision. I asked them to reopen the case which they than closed on XX/XX/XXXX AGAIN without anything being sent to me. At this point, I got on the phone with another supervisor who looked over the records and indicated this was never opened as a fraud investigation but rather a normal dispute. They re-opened the case as a fraud investigation, they provided me a link to submit my receipt showing I purchased a new phone within a very short time of the XXXX store purchase some 50 miles away - making it impossible for me to be in 2 places at once. On XX/XX/XXXX, they AGAIN closed the case against me.
Product: Credit card or prepaid card

On XX/XX/XXXX I used my CitiCard to purchase a series of flights. Within a day, I found out I had been defrauded by an entity claiming to be XXXX XXXX ( they had cloned the website, but had a different phone number ). I notified CitiCard immediately to cancel the transactions, which they did. Then I found out that 2 of the flights that the defrauders had 'scheduled ' actually were real, i.e. they scheduled 2 real flights- the rest were bogus. I have since found out this is a known scam which utilizes resale organizations ( see XXXX ). I contacted CitiCard to cancel the fraud alert for those 2. Over the next several months, CitiCard charged me for all of the flights, sometimes doubly. Frequent calls to them could not resolved the issues - their phonelines had very poor quality ( XXXX? ) and none of my written correspondences were answered. In XXXX, XXXX I canceled the card and continued to try to resolve the dispute. I paid the balance while the dispute was ongoing so I wouldn't accrue late fees or interest charges. Their only written response is to say that the charges are valid because I authorized them. In XX/XX/XXXX I started receiving robocalls from them that I had an overdue balance. It was from an erroneous charge by XXXX XXXX to renew my membership. That problem took another 2 months to resolve and I again asked them to close the account. Now they are asking for another {$520.00} related to the original fraud issue saying the charge is valid. I was never able to use either of the valid tickets, since CitiBank canceled the transactions, so I got stuck in a city far from home and had to pay a significant amount just to get home. 

CitiBank never investigated my claim- the fraudulent phone number and website info would have confirmed my claim. They never provided me with the true identity of the fraudsters which would have allowed me to open an investigation with the FTC, DOT, or FBI.
Product: Mortgage

We submitted Settlement checks from our Insurance claim to OCWEN LOAN SERVICING for endorsement so we can start the process of repairs to our property. 
two checks were sent via XXXX  overnight Tracking # XXXX on XX/XX/2019. 
Checks were received by XXXX on XX/XX/2019. 
Check amount were {$10000.00} and {$150000.00}. 
OCWEN LOAN SERVICING has been uncooperative and have either refused to help or have been unprofessional. 
Our property is severely damaged and is in desperate need of repairs, property is located in south Florida. it rains everyday damaging the property more as every day passes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Third notice .Did contact and send information to an attorney due to thirty four hard inquiries on my credit file. I have followed protocol.Send certified letters twice and dispute. The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. 
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Product: Debt collection

ARS Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint Is against Equifax. I've noticed over the past 12 months that Equifax has been reporting on time payments to accounts in good standing, 30-60 days late. For example, a payment I made to an installment account on XX/XX/2020 has still not been reported to my account as of XX/XX/2020. It typically takes 45-60 days for them to update payments to my report.This greatly effects my credit score and ability to qualify for new credit. 

In addition, Equifax reports negative information to my report exactly on time. For example, A collection account I have was reported on XX/XX/2020. Throughout the past 12-months, Negative information has posted on the XXXX of every month. 

My complaint is that Equifax reports negative information on time and positive information late. Also, Their online account dispute is never available even though I am paying a monthly fee to have access to online disputes. 

Equifax claims that they report all information when they receive it from the creditor, However my creditors have given me detailed information that they are reporting payments to Equifax on time at the end/beginning of every month.
Product: Money transfer, virtual currency, or money service

I was frauded by cash app numerious times throughtheir site and wss stollen from .manytimes i was supposed to get XXXX settlememt i was under the belief that was the case i thought i did eveything roght they wanted
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with the credit bureaus to no avail. This account is no longer open, nor does Comenity hold this debt anymore. It was sold to a collection agency. However this account is being reported by both Comenity and the collection agency. This is dragging my credit score down significantly since 1 debt is being reported twice.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding XXXXXXXX XXXX XXXX XXXX Not Issuing a XXXX After Debt Charge-Off I am writing to file a formal complaint regarding XXXXXXXX XXXX XXXX XXXX failing to issue a XXXX form after they charged off my debt. The account in question is XXXX, and the debt was charged off in XX/XX/year>. 

As per the IRS guidelines, when a creditor cancels or forgives a debt of {$600.00} or more, they are required to issue a Form XXXX to the borrower, reporting the amount of the canceled debt as income. However, despite the fact that my debt was charged off, I have not received a XXXX form for tax reporting purposes for the year in which the charge-off occurred. 

I have made multiple attempts to resolve this issue directly with XXXX XXXX XXXX XXXX customer service and collections department, but I have not received any communication from them, nor any action taken to issue the required form. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that XXXXXXXX XXXX XXXX XXXX  complies with the IRS regulations by issuing the required XXXX form for the canceled debt.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX  REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.