23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX Borrower entered into an addendum agreement with Seller to extend the closing date of the Subject Property to XX/XX/XXXX per the promise of funding by Amerisave Mortgage. 

Funding to be accomplished by Amerisave Mortgage per " loan origination agent '' and Loan Origination Manager '' by or before XX/XX/XXXX. 

Buyer allows the " Earnest Money '' ( {$5000.00} ) to be transferred " non-fundable '' ( XX/XX/XXXX ) to Seller for credit to the purchase price at closing justifiably relying on the verbal promises of Amerisave personnel to the Buyer Realtor & Buyer. 

On or about the XXXX day of XXXX seller issues Buyer a " Cure Notice '' stating that Buyer must close or Seller will keep all earnest money and cancel the purchase agreement.

Buyer and Buyer Realtor notify ( telephone & email ) Amerisave ( 4x 's ) of the impending financial damages to the Buyer from a failed funding by Amerisave. The Seller cure notice expires ( XX/XX/XXXX, XXXX, PT ) without any " urgency or financial commitment '' by Amerisave. 

Numerous calls were made again on XX/XX/XXXX to save the purchase agreement and prevent the earnest money ( {$5000.00} ) of the Buyer from being irretrievable. 

The calls of XX/XX/XXXX were finally responded to by the Loan Origination Manager at XXXX XXXX PT ( XX/XX/XXXX ) stating that he had been " out of town '' for the last 4 days or so and will get on the " funding progress '' as soon as possible. 

The challenge being is the the Loan Processor was scheduled out of office from XX/XX/XXXX to XX/XX/XXXX and made all " loan issues '' forward to the Loan Origination Manager '' who was also out of office at the same time. Notwithstanding, both agents knew or should have known about the closing dates of the " purchase agreement '' under their control. The Buyer and the Buyer 's Realtor notified Amerisave several times about the impending financial loss to the Buyer. 

Amerisave finally funded the purchase agreement on XX/XX/XXXX, 5 days after the " cure notice '' took effect and 2 days after the Seller had cancelled the agreement. 

the Seller exercised their option to cancel the purchase agreement and to get more money from the current market. 

the Buyer lost {$5500.00} due to Amerisave 's lack of professional due diligence and lack of promised performance. Amerisave 's failed performance forced the Buyer to spend an additional {$25000.00} in funding costs and 5 to 10 days of extended stay costs to find a replacement property.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXXXXXX XXXX XXXX {$57.00} )
Product: Debt collection

On XX/XX/2018 I placed an order for a make up product with XXXX XXXX advertised on TV. I called the following day XX/XX/2018 and cancelled the order. I was advised the order was being processed. I never received the product. Nonetheless, the following month in XXXX XXXX XXXX attempted to charge my card and it was disputed with my credit card explaining the order service was cancelled. XXXX XXXX continue to bill my card for months after requesting service to be cancelled. Now they are trying to collect {$200.00} after I cancelled the service and never received their product. They have transferred the account to Monterey Collections. I had block the merchant because they continued to bill my card after I had requested the service to be cancelled. Even after disputing the charges and advising XXXX XXXX to cancel service they continued to try charging my credit card. According to their advertising I can cancel service at anytime. 
I have explained the situation to Monterey collections and they have not investigated this matter. I have done everything in good faith to resolve this matter and seek assistance since I do not owe the amount in question. Finally XXXX XXXX is indicating a balance for {$140.00} and the collection agency is trying to collect {$200.00} in addition to the charges made to my credit card. I would imagine this is done too thousand of other people. I do not owe either amount. I have attached the charges made and disputed with my credit card, product order, and collection agency notice. Thank you
Product: Money transfer, virtual currency, or money service

On Saturday, XX/XX/XXXX, someone who hacked a good friend 's XXXX account, messaged me pretending to be her. They said that their mom 's friend was XXXX of the supervisors at Cash App and she could guarantee me extra money if I gave her some of my Cash App information, had money in my account, and created a Cash App Visa card. 

I trustingly gave out some of my information, which was a complete mistake, resulting in them taking {$800.00} from my account, removing my email and phone number so that I couldn't log back in, and they also hacked my XXXX account. 

I immediately contacted XXXX support and notified my friends who repeatedly reported my hacked account. They were now using my account to harass and scam my friends and family. Fortunatly, I was able to to reset my XXXX password and recover my account within two days. 

Since the event, I have continually tried to contact Cash App for support. As it turns out, Cash App does not offer customer support. There is absolutely no way for me to speak, or be directed to, a real person no matter what method I try. I even attempted to direct message Cash App on XXXX in hopes that a person will identify my situation and help recover my account. 

I am extremely disappointed by Cash App and the companies lack of security, support, and resources for their users. I am working on resolving the issue with my financial institution who also has yet to hear from Cash App in attempts to settle the dispute. 

I am writing this complaint to settle my dispute and prevent further scams and fraud. I also think it is important to highlight the lack of support and resources from Cash App in the face of fraudulent activity on their application. 

Thank you for your time and consideration and I look forward to moving forward with this case.
Product: Payday loan, title loan, personal loan, or advance loan

I made payments from my bank account and the loan provider marked my account delinquent despite the automatic withdrawals from my bank going through. When I called my bank to give me a proof of payment they said everything went through and was processed and oportun never credited my account and the loan was charged off and they call me multiple times a day.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent information reported on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 15 U.S.C. 1681c-2, and to request that this information be blocked and removed immediately. 
I have attached a copy of my FTC Report ( FTC Report Number : [ XXXX ] ), along with additional documentation supporting my claim. This report demonstrates that the information in question is the result of fraud and should not appear on my credit report. 
Pursuant to Section 15 U.S.C. 1681c-2, when a consumer submits an identity theft or FTC report , credit reporting agencies are legally obligated to block or remove any information identified as fraudulent within four business days. 
The information on my credit report was reported without my explicit consent or written authorization. This constitutes a violation of my rights as a consumer under the FCRA. Therefore, I request that this information be blocked and removed immediately. 
I would like to inform you that I have been a victim of fraud, as unauthorized accounts and transactions have been reported in my credit history. I have also filed a complaint with the Federal Trade Commission ( FTC ), and I am including a copy of this report for your reference. 
All required documentation to support this claim is included in this package and has been sent to your agency via fax and certified mail. I demand that the following fraudulent accounts be removed from my credit report without delay : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit profile and I believe the following accounts are not reporting accurately.
Product: Debt collection

I've been in contact with XXXX XXXX who I've never had insurance with . I received a bill from them back in XX/XX/XXXX saying I owned money and then I contacted them saying this account isn't mine . I file a police report and sent it to XXXX XXXX and also the insurance commission office in XXXX NC . XXXX  stated that this account is fraud and they will no longer contacted me . My ex Daughter in-law ( XXXX  XXXX XXXX ) has stolen my identity with her new boyfriend XXXX  XXXX XXXX and purchased several cars and credit cards in my name . I'm XXXX years old and clearly this is wrong to place a fraud account on my credit report and send it to Credit Collection Services to collect money on a fraud account . My banker at XXXX XXXX just told me that I can't go to my loan closing on my new house due to this fraud account . Please remove ASAP or ill file suit against Credit Collection Services .
Product: Credit reporting or other personal consumer reports

I bought out my lease in XX/XX/year>. In XXXX I received a Bill of Sale and Clear Title. XXXXn XXXX I got notice from the Credit Bureau that there was an issue. GM Financial was showing me delinquent in the amount of {$2800.00}. I called Customer Service only to be told that they could not help me. I emailed a copy of the Bill of Sale and Title together with my questions and concerns to XXXX, as instructed and waited about XXXX weeks for a response. 
In XXXX I called the XXXX XXXX. to be told that my email was received but not reviewed. The representative was going to forward my request to a manager. Ten days later, I called again. My request was never forwarded, but I was assured that it would be forwarded to a manager immediately and that I should get a call back by end of day. No call, two weeks later I called and was told that my file was sent to another department and that no one could help me until it was returned with a decision.

When I was asked to be transferred to that
department, I was told no.

Still haven't heard from GM Financial. My credit score continues to drop.

I was also one of the senior citizens that was hit with an " upcharge '' ( {$10000.00} ) when I first leased the vehicle which was before the charge was deemed illegal.
Product: Credit reporting or other personal consumer reports

To whom this my concern, My name is XXXX XXXX and this is not a third party submitting this complaint.I am being taken advantage of by transunion, XXXX and XXXX. These three companies are violating my rights given to me by the FCRA. I didnt give them permission to access my non public personal information. Nor did I consent for them to furnish anything on my consumer report. According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. They permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I received a collection notice from thisXXXX XXXX XXXX XXXX on XXXX XX/XX/2020 about a defaulted student loan debt, I immediately responded to them asking them to provide me information and originals documents about the loan in the original forms for the debt they're maintaining in my name and repotting the debt against my social security to the credit bureaus, they never responded and they continue to try to collect on the fraudulent debt and they continue to report collections activities to my credit report. Most recently another collection notice from coast professional When I called them to ask them to valid the debt they were unable to do so and when I requested them to delete the debt that has been causing me many financial problems they didn't delete the debt. In fact after requested to cease and decease in written in XX/XX/2020, the coast professional collection continues to contact me trying to collect the debt that I already have notified them was a fraudulent debt I never authorized anyone to take a loan on my behalf through XXXX XXXX XXXX they refused to follow the FDCP and FCRA laws, they're in violation with the FDCP and the FCRA. They claim I owe them a debt I never had through department of education, the school has been closed and they continue to reporting the debt and continue to make several attempts to collect. 
This is my final request before I take legal actions. I'm asking them to stop contacting me, stop harassing me, stop calling my number through different system computer generation phone calls, and to notify whoever they're collecting for about this final request to remove and cancel the debt from my name immediately.
Product: Mortgage

Hello, I submitted my insurance declarations and have the paper trail. My insurance is currently {$3200.00} per year. Mr. cooper failed to connect my active insurance and purchased {$8000.00} insurance on my behalf. I would like a refund or I will need to seek legal remedies. Please see attached. Loan number XXXX. 

Thanks, XXXX
Product: Debt collection

Ive noticed a collections from XXXX XXXX on my credit repost to which i have zero knowledge of. I have never used XXXX products nor their services ever! I called XXXX and they can find my name no where in the system at all and could not help me. I explained to the lady whom i spoke with that Ive never used XXXX and was never billed by version and i didnt understand why it was on my report. She said she couldnt find my name anywhere in XXXX system and that I would need to contact the debt collectors. She was no help to me at all. I disputed it on my credit report but i dont know if thats enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a dispute to this credit reporting agency and it still show my account regional acceptance as open when is it payed off. The account should be showing closed account
Product: Credit reporting or other personal consumer reports

Experian refuses to investigate my disputes. They also will not tell me how did they investigate fraudulent information. 
How did you investigate a bankruptcy thats not mines? How did they investigate addresses that's not mines? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX How are you investigating or refusing to investigate my disputes? 
What exact methods are you using? 
Are you refusing to follow the laws? 
Theres also a fraudulent inquiry for XXXX XXXX XXXX, How did you investigate this?
Product: Mortgage

On XX/XX/2018 I filed the Deed-in-lieu paperwork for the existing reverse mortgage that is held by XXXX XXXX. The Reverse Mortgage Servicing Department stated this process would take 3 to 6 months to complete. We are now entering the 9th month and the DIL process is costing the estate many months of additional insurance payments and real estate taxes that need to be maintained and paid on the property. 

I attached a WORD doc with a chronological order of email correspondence between myself and XXXX ( rep ) of The Reverse Mortgage Servicing Department.
Product: Debt collection

XXXX 2014 I ran my credit at my bank and had accounts listed that were not mines so the banker told me it was identity theft she advised me to call the police department so I did and spoke to an officer we went over all accounts he told me to wait a few days and come to police station to pick up a police report with all accounts listed and submit a copy to each credit bureau so I did but nothing happen so at this point I 'm trying to restore my good name and credit I need these accounts removed from my credit.
Product: Debt collection

XXXX XXXX Services : ( Original Creditor XXXX XXXX XXXX ) XXXX  Physical Address : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Original Creditor : XXXX XXXX  XXXX XXXX Current Creditor : XXXX XXXX XXXX Creditor Account # : XXXX Date ( s ) of Service : XX/XX/XXXX Agency Name : XXXX XXXX XXXX, XXXX XXXX Reference # : XXXX Balance : {$0.00} This notice serves as confirmation that the above-referenced account with the above-referenced creditor has a XXXX bal- ance. 
Please note, if information was reported to the credit bureaus regarding this account, we will request the account be delet- ed from any consumer reporting agency files to which we have submitted information within one week of the account closing in our office as paid. Consumer reporting agencies may take up to 30 days or longer to update consumer reports and this is beyond our control. 
We appreciate your attention to this matter and encourage you to call our office if you have any additional questions or concerns. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IN XXXX Toll-Free XXXX XXXX XXXX Calls to or from this company may be recorded or monitored. 
This communication is from a debt collector. 
PLEASE SEE PAGE TWO ( 2 ) OF THIS LETTER FOR IMPORTANT NOTICES REGARDING YOUR RIGHTS XXXX XXXX XXXX, XXXX is registered as XXXX  XXXX XXXX XXXX in the following states : AZ, IA, KY, NH, ND, SC, TN, TX,
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX victim. I sent in proof of my identity, documentation of determination substantiating I am a XXXX XXXX victim. With a list of item that are the result of XXXX  so items weren't deleted.
Product: Checking or savings account

I had traveled to illinois to buy a couch that allows my XXXX dungther to sit up and down on her on. This was a second hand purchase so the sell requested to be paid in cash. Once l got there.I tried to transfer the funds from my Credit karma savings account to my credit karma spending account to get cash out. I was unable to do it because I had already made six withdrawals per the Fed Reg D. I Was under the Impression the Fed Reserve had removed the requirment in XX/XX/2020, because my other bank allows as many as needed. oAfter looking into it I am still not seeing it has been reinstated. After I noticed the issue I called credit karma to find a solution to the problem and was told I had two options 1. ) wait until next month, which is not a possible option for me at this time or 2. ) Close the account and have the funds transferred to my spending account. I chose this option and was told by the rep that had been sent to the department to close the account and to watch my emails and then it would be done soon. I waited a half hour and still nothing it happened, so I called back and What is informed it would take about 2 to 3 hours, I was frustrated but there was nothing I could do about it so explain to the person I was buying the couch from and told him I would just wait in town for the couple hours, after waiting three hours still nothing I called back again and was told they could see it had been transferred and it would be any minute and not to worry. I was worried at this point because the only card I had with me was the Credit Karma card. I had to tell the lady I was not going to be able to purchase the couch so I was out my deposit and I was also out the money for the XXXX that I had rented. Not only that but because I had been waiting for so long my wife had no way of getting me any money considering I couldnt use my money that was on the card. I had to sleep in my car without any money for food or gas overnight. I replied to the email that the customer service representative had told me to reply to which wasnt an email I received after I called the very first time that said they were working on my issue. I got no reply I still havent. I finally decided to file a complaint with the company Credit Karma and shortly after I sent it I received in reply stating they were working on it. I am extremely frustrated and feel that this company is extremely out of line and should not be able to hold your funds. I might be misinformed about regulation D and maybe it has been reinstated, but even if that is the case I chose to have the account closed that should not be something that takes them three days to do especially after I had countless employees give me different timelines. Someone needs to provide answers and I need to be able to access my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get into my account. The email that Experian says to use to keep my account secure is XXXX XXXX XXXX. That is not correct and I believe my account has been hijacked. I noticed this just in the last week XXXX. 
I have put freezes on my accounts and called XXXX without problem and they were able to set up Fraud Alert for 1 year. I don't know how to get in my account and correct the problem as the email isn't associated with me.