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

I have contacted experian XXXX and XXXX multiple times which they indicated that the dispute with bankruptcy and other information on my credit report appears accurate which I contacted XXXX they stated that these items supposed to be deleted off my credit report which its not verification also they don't know what the company name or person who submit the paper work
Product: Credit card or prepaid card

I have used the American Express XXXX XXXX Back card for about 10 years. Over that time, I built up substantial rewards, about {$1200.00}. 

Over the course of the last 3 months, I have tried mightily to redeem this amount. I have spoken with customer service 8 times over the last 3 months, with each call lasting over half an hour. 

Every time we speak, they say they will issue the credit without any problem. And every time they do not.
Product: Credit reporting or other personal consumer reports

Despite my previous written requests for EQUIFAX to provide me with the name of the person in their company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file EQUIFAX ignored my rights and instead told me that they are labeling my dispute as Frivolous. Their actions clearly demonstrate their willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.1. The following personal information is incorrect : XXXX XXXX XXXX XXXX. The following personal information is incorrect : XXXX XXXX XXXX. The following personal information is incorrect : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX. The inquiry was not authorized : XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX  XXXX. Date of inquiry : XXXX XXXX inquiry was not authorized : XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX XXXX. Date of inquiry : XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX/XXXX. Date of inquiry : XX/XX/XXXX XXXX inquiry was not authorized : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXX/XXXX. Date of inquiry : XXXX XXXX, XXXX XXXX. The inquiry was not authorized : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized : XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Physical proof of verification was not provided for XXXX XXXX. Account Number : XXXX XXXX proof of verification was not provided for : XXXX XXXX. Account Number : XXXX XXXX XXXXPhysical proof of verification was not provided for : XXXX XXXX XXXX Account Number XXXX XXXX XXXX
Product: Bank account or service

I attempted to open an account online with Wells Fargo on XXXX XXXX, I completed the necessary forms and also authorized them to take {$500.00} from my XXXX bank account to fund the new account. On XXXX XXXX I was advised that I was approved and that my new debit card had been mailed. On XXXX XXXX the {$500.00} was taken from my account by Wells Fargo. On or around the XXXX I received my new card. On the XXXX I tried to activate my new card by phone and was told that the card number could not be found. After several calls to various divisions of Wells Fargo I was told that my account had been closed as a result of a business decision by the bank and that since the account had not been funded the account was automatically closed. I provided the transfer information that I was given by Regions including online tracing numbers and the Wells Fargo Co ID. I spent 3 hours on the phone with Wells Fargo on Saturday and in the process was able to file a complaint and was provided a Case ID # and a number to call yesterday to find out the results of the investigation. I called back yesterday and today and they still say they do not have the money. Thus far I have spent 5 hours on the phone with the bank to retrieve funds that were not to be taken out of my account until the account was operative. They removed the money, closed the account 5 days later and now say they do n't have the money. I just want to know what to do.
Product: Credit card or prepaid card

On XX/XX/2020 I purchased a XXXX with special financing of 0 % for 12 months offered on my existing Apple Card issued by GoldmanSachs.  When my statement was made available on XX/XX/2020, it states that I must pay for the entire purchase by XX/XX/XXXX in order to avoid finance charges. When I contacted them regarding this error, they repeatedly transferred me to Apple to return the computer. I do not want to return the computer. I want the financing that I was promised when I made the purchase. I also advised them that I wanted to dispute the terms of the purchase and they informed me that someone would call me back in 14 days to take my dispute. This is also illegal. The entire way that the purchase is set up is unfair and deceptive to consumers.
Product: Credit card or prepaid card

XX/XX/2021 is when this MOUNTAIN AMERICA CREDIT UNION SECURED CARD was officially closed. I do not recall opening a Mountain America Credit Union account. When I was a teenager, my identity was stolen to try to open credit accounts. I believe this is a result from the identity theft.
Product: Mortgage

We have been working with Mr. Cooper for a VA XXXX assumption since the end of XX/XX/year>. All of the required documents were received in XXXX and a loan officer was assigned who conditionally approved the application. A tentative closing date of XX/XX/year> was provided, however, the loan processor did not answer any messages until today, XX/XX/XXXX, stating the assumption was not close to being completed. No further information was provided. VA Loan assumptions are directed to be processed within 45 days of receiving all documentation as per VA Circular 26-23-10.
Product: Checking or savings account

XX/XX/2020 I sent money to the wrong person, and they will not refund me. I requested my money back thru the cash app station like they instructed. The person with my mom denied my request. 


I am a single mother working to make ends meets for my daughter, and I. Today is XXXX, and i am hoping for a miracle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute related to fraudulent activity being reported by TransUnion on XXXX XXXX, XXXX. They are showing an account that was charged off by XXXX XXXX XXXX. I received a response on XXXX XXXX, XXXX stating that the fraudulent activity was valid and Transunion refused to remove it. I called Transunion on XXXX XXXX, XXXX in order to attempt to reopen the investigation and was told by the representative that I would have to get a police report and letter from the creditor in order for them to remove the item from my report.
Product: Mortgage

The following is an attachment of the fact that I have sent to who was lastly working on my account for a XXXX XXXX. I faxed it to XXXX different fax numbers to ensure she gets it. Then today I come home with another letter that I have zillions of copies of the same letter that supposedly my application is complete if we need additional information will let you know, etc. etc. its this time it is signed by a XXXX XXXX. You guys change XXXX XXXX XXXX as much as you change your XXXX underwear. Itd be nice to have just one person and one person only to handle this XXXX instead of it being tossed around like a hot potato and my information getting lost. After I had just faxed this information on XX/XX/XXXX you then sent out a letter XX/XX/XXXX. You guys are the most unprofessional unorganized bank Ive ever had to deal with my daughter works for a bank and they dont even do this much XXXX. Maybe XXXX will actually know how to pick up a XXXX phone and call me if she had any questions or problems considering the other one couldnt even do that in here. Ive been waiting and waiting and waiting to find out if you guys got any of my information because its more professional and business if you actually pick up a phone and call somebody and dont give me the XXXX that its Massachusetts state law that you cant because I have a lawyer that says else Along with the Attorney Generals office Because this writing back-and-forth like were back in the 1900s is ridiculous. 
Id be willing to work with you guys if you guys could be actually professional and work with me and my situations.
Product: Mortgage

Lender keeps charging pmi since XXXX of 2021 despite pmi bot being necessary. They wont resolve the issue. I intend to sue them as well as use this process. 

The company is mr cooper
Product: Money transfer, virtual currency, or money service

Went at the Branch XXXX BANK, XXXX XXXX XXXX XXXX Ca. 
Order foreign currency XXXX on XXXX XXXX They said they will call me went they have this money. I already paid XXXX for the exchange. Yesterday XXXX XXXX went at this bank ( the Director who did the transaction was on lunch time that mean she didn't come talk to me about this situation ) them I ask went the money will be there and no one can't tell me when the money will be at the bank. Call service XXXX BANK they don't care this situation. Call fraud service XXXX BANK again they don't care about this. Now, call the Branch a XXXX. No one answer the phone you can't leave any messages and talk with someone. Today XXXX XXXX they call me let me know my money was there???????? 

Why the bank take a week give me my money? This is fraud...
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance XXXX : {$0.00}
Product: Credit card or prepaid card

I accidentally made an overpayment of $ XXXX to my XXXX XXXX ( XXXX XXXX XXXX ) on XX/XX/2022. On XX/XX/2022, the account was transferred to First National Bank of Omaha. According to First National, they are waiting for XXXX XXXX XXXX to confirm my overpayment so they can issue me a credit balance refund check. Their accounting department said the request to XXXX XXXX XXXX 's account department went XX/XX/2022 but that XXXX  XXXX XXXX is not returning their calls. XXXX  XXXX XXXX won't let me talk to a customer service representative because I am no longer a customer.
Product: Debt collection

Today Tuesday XX/XX/year> between XXXX and XXXX, I called to ask what company is this. The customer service representative began to be very rude to me and, she demanded me to pay this now. Also, she said I should've paid this 3 years ago I wouldn't be having these problems and also she used abusive language to me. I called back to ask to speak with a supervisor. Another customer representative name XXXX was very rude to me also and she told me that I just called and their is no supervisor, call back on Saturday. She just hung up the phone on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Transunion XXXX XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$500.00}. Transunion XXXX XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$500.00}. Transunion XXXX XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$500.00}. Transunion XXXX XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$500.00}. Transunion XXXX XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$500.00}. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$1700.00}. XXXX XXXX XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$1700.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Checking or savings account

On XX/XX/2023, in XXXX XXXX, LA, my phone was stolen by force and accessed without my permission and used to conduct a number of unauthorized transactions using my bank account, mobile payment apps, credit cards, and via wire. I filed a police report as well as fraud reports with all relevant companies, including Citizens Bank for the bank/mobile payment and wire-related transactions. Citizens issued a provisional credit for the bank/mobile payment transactions but refused to credit my account for the 2 unauthorized wire transactions ( totaling {$6000.00} ) which happened at the same time, and were sent to a person who I do not know and whose name is also associated with the other fraudulent transactions. Citizens sent a letter stating that their investigation concludes that this transaction was authorized by me and no credit would be issued- simply because my phone was used- the same phone that was stolen. I have called Citizens multiple times to request a 2nd review, a phone call, and copies of supporting documents, none of which have been provided to me. I have been told twice that I would receive a phone call within 3-5 business days, and that has happened neither time. I can not understand how these could possibly be viewed as authorized transactions when they took place on a stolen device ( reported to the police ), at the same time as other fraudulent transactions ( which Citizens has issued a provisional credit for ). This has caused me a tremendous amount of stress and financial hardship, and I'd like this to be published so that others know about these shameful business practices. Furthermore, this person was able to conduct this wire transfer via the mobile banking app for a very large amount of money ( {$2000.00} and then {$4000.00} ), and NO additional verification was requested from me. This also seems like a significant security flaw. Finally, please note that my XXXX XXXX Police Report XXXX is XXXX.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Mortgage

Mortgage Loan : XXXX I am the borrower in the above mentioned Mortgage Loan. 

Principal Balance in the above mentioned Loan is $ XXXX [ XXXX XXXX ] as of XX/XX/year>. Lender is holding an Escrow amount of {$5800.00}. Monthly statement dated XX/XX/year> is attached herewith and shown as " XXXX XXXX ''. Borrower requested a Payoff ff statement on XX/XX/year> and the Lender provided me with a Payoff amount of {$30000.00} including the County Recording fees which is shown as " XXXX XXXX ''. On XX/XX/year>, borrower contacted the Bank regarding the Escrow amount settlement. As per the statement from the Lender 's Representative, " Escrow amount will be released on a later date after pay-off and there may be additional charges which may be deducted from the Escrow amount and " whatever balance leftover '' will be returned to the Borrower ''. Borrower requested a written statement from the Bank about the additonal charges/deductions from the Escrow account and the Representative refused to provide the same It is clearly evident from the above that the Lender is not intending to close the Mortgage in a clear and transparent manner. This is clearly an embezzlement of Escrow Funds. 

Borrower is intending to Payoff this Mortgage at the earliest and not later than XX/XX/year>.
Product: Debt collection

Midland Credit Collections, c ontacted me at my direct line at my place of employment. They have called several times so far, when I answer I tell them that they are not allowed to contact me at work, this my business line. I work in a call center environment and can not be on the phone for personal reasons. The debt collector advised that since I answered the phone I should resolve the issues now. I have told them several times not to call me at this number. I do n't know how they even got the phone number as I have never provided it to them.
Product: Money transfer, virtual currency, or money service

In XX/XX/year> I purchased from XXXX, owner of a Texas based antics dealer called " XXXX XXXX XXXX '' a vintage sofa and we agreed that its XXXXXXXX XXXX fabric was outdated. XXXX offered to help me pick a fabric in XXXX where she then lived. The deal was that I would pay the fabric and she would deliver the sofa to a local upholstery store in charge of redoing the fabric before we would organize the shipping to New York where I reside. 
Based on this agreement, I made the purchase with a PayPal payment for {$410.00} on XX/XX/year>. I had agreed to the uphoslery choice but I was missing the fabric which I was patiently waiting for her to help shop around before I would pay for it. 
She never did : XXXX was simply a scammer who never kept her offer but had no shame nor ethics to stop her from keeping my hard earned money. She dissapeared for weeks before she purely and simply burried the project in the fall of 2023. 
I found myself chasing her to either get my sofa or my funds back. She simply stopped communicating. I have sent XXXX a request to pay me back through PayPal or send me the sofa but she sent me a text asking me not to contact her again before going silent again and for good. 
I called PayPal to ask for a refund and was told that there was a time limit that had expired. I am a hard working woman struggling to pay everything and I clearly do not have {$410.00} to be wasted on a scam. I am solliciting PayPal customer service compassion and understanding to be refunded for these funds. 
Thank you in advance for your valuable help on this.
Product: Mortgage

Recently requested mortgage modification from PHH/ XXXX   Mortgage spoke with PHH/ XXXX customer service I was informed mortgage was modified but they could not give me the terms of the mortgage modification. Received the documents finally and the mortgage is a balloon mortgage and when the term is completed it will want the balance of the loans. 
This mortgage modification will make me lose my home. I have resubmitted my request for mortgage modification requested a 30 year term with a fixed mortgage rate
Product: Mortgage

I recently did a refinancing of my home, XXXX  loan, with Freedom. 

I was told, and shown, at the closing that my monthly payment would be {$1400.00}. I sent {$1500.00} to pay for my first month of XX/XX/year>. 

Unfortunately, the {$1400.00} did not include the escrow. I received an email on XX/XX/XXXX from Freedom telling me that my mortgage was DELINQUENT. I immediately sent {$4000.00} from my bank and I started calling Freedom Mortgage. 

I spoke to XXXX different people XXXX XXXX XX/XX/XXXX. I was told that I had to file a " dispute '' with all three credit agencies on XX/XX/year>. I know that Freedom never contacted me. I have no messages in my Freedom Secure Message email. Freedom says they called me, but I am a XXXX  user who keeps my cell phone on a lanyard around my neck. I have no voicemail or call history from I am getting ready to move to XXXX  for health reasons. This delinquent on my credit is harmful The late entry has reduced my crdit score from XXXX to XXXX.