23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The 2 credit cards involved American express and XXXX XXXX. 
two apartment companies XXXX XXXX XXXX XXXX XXXXXXXX, Tx XX/XX/year> The XXXX XXXX XXXX XXXX, TX XX/XX/year> I have a sixty day notice I have to put in to get deposit back. 
I tried to secure a new apartment with a lower rent las summer. 

I shopped online. I tried to put a down payment online on a 2 bedroom /2 1 bath at Tides.

I found out the management team is in California and doesn't knopw what apartments are ready to be moved into. The lady at the leasing office didn't know I had made a purchase online. So my money is in management teams account but the leasing office says that they didn't know who I was or what I wanted. Even with paperwork. 
I called american express to remove payment due to not getting the apartment. XXXX associate removed it. 2 days later it shows back up. I found out another associate put it back on. Said I owed company XXXX $ But the application was never processed. So I did not owe them anything. I call management team they say I can have refund.. American express says that I can't. and put a XXXX $ XXXX XXXX XXXX on my statement in XX/XX/year>. And won't remove it. Says it's because I didn't pay off my monthly bill and I only put {$200.00} down on it. 

XXXX did the same thing. After I called Management team 2 times. Management company says they will remove it. And did and I had no balance for about 5 days. Then I got an email saying I owe XXXX XXXX plus late fees. They had put the charge back on card and activated my card and it is on there still to this day. 

There is no processessing fee if apartment leasing associate doesn't even know that you were wanting to rent an apartment. So I feel I am entitled to my full refund. 

XXXX XXXX XXXX  is a real estate scam. It sucks money out of peoples accounts but doesn't consider whether they even received desired goods or services. And these two credit card companies allegedly are using it to punish people who do not pay off full balance. I was never late with my payment. So I'm not sure, why they were so hostile. They add more money than necessary to my bill then overcharge me by making the interest be more than it should have been. All I have is my credit card statement showing an attempt was made twice to purchase item.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, Account # XXXX, Account # XXXX, Accont # XXXX violated my rights 15 U.S.C 1681 section 602 A States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2. I also state a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Information on collection accounts are not being reported accurately to each of the three credit agencies. XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX are all reporting incorrect and inconsistent information to each credit agency.
Product: Credit card or prepaid card

I opened dispute to fraud at XXXX on XXXX. I don't reciving the item and this company say they send at my address by XXXX, when I don't reciving talk to XXXX and check the tracking number the guy on GPS say no delivering on my address but him can't tell where delivering. Open a case in XXXX and I lost it, the company XXXX said that it had sent it to my address but that is false. 
And I open a claim to fraud in CHASE CREDIT CARD with the : CLAIM ID : XXXX And the same result the CHASE believed the defendant than the defrauded, they told me, they had asked the TOMMIGOODWI questions, but they never checked with XXXX for know the truth. 
The amount on dispute is {$51.00} XXXX tracking # XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

dear transunion, I disputed these items previously and the results were on the disputed items were " verified as accurate ''. I would like to know how AND why the previously disputed items were " verified as accurate ''. I contacted the original creditor and even they could not " verify '' these items so how could you? Furthermore I disputed the negative items with other consumer reporting agencies, and even they could not " verify '' these items so again, how could you? I demand to know what methods where used to determined that these accounts where " verified as accurate ''. and also who did you contact. I am also requesting a reinvestigation into these accounts and if you can not validate to me this information or verify these it accounts these must be deleted immediately from my consumer report.
Product: Mortgage

After many calls, emails, and text messages, my lending company, Southwest Funding, in XXXX, Texas, is no longer returning my calls to update when we will close. The lending company forgot to order the appraisal until just before anything was sent to underwriting. We have had to get 2 different appraisals because the lending company said the first one was not good enough. We have failed to get a response about our earnest money, if the seller decides to back out. This has been going on for two months, and the seller has chosen to walk away from the deal if we dont close in the next 72 hours. We were told that our file was perfect and ready to be approved once the final appraisal was submitted. It has been 8 days since then and we have heard nothing. Our lender has urged us to spend money out of our comfort zone with little explanation as to what it is for.
Product: Debt collection

The company XXXX XXXX is trying to collect on a debt that was paid to another company last year. I paid XXXX XXXX XXXX ( XXXX ) last year for the XXXX account. It was removed from XXXX but they are still reporting to XXXX and XXXX.
Product: Debt collection

On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to XXXX XXXX XXXX/XXXX XXXX which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question. XXXX XXXX XXXX/XXXX XXXX has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of XXXX XXXX XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX XXXX is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation
Product: Mortgage

I applied for an XXXX loan through XXXX XXXX. They denied the loan saying that there was not sufficient funds in the budget for the repairs per the HUD consultant. I extended the contract but was REQUIRED by the seller and their agent ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) to use their preferred lender, XXXX XXXX at Success Mortgage Partners, in order to move forward. On the day the closing was scheduled ( XX/XX/23 ) the funds for closing had been sent to the title company as required and then the lender suddenly said that they were unable to close because the contractor wanted more money for the repairs. I received a denial letter about a week later. In accordance with the financing clause of the contract I requested the return of my {$5000.00} earnest money deposit from Success Mortgage, XXXX XXXX, the seller 's agent, and the seller directly. I also asked the same of my realtor XXXX XXXX XXXX XXXX XXXX XXXX. My realtor refused to request a 30 day extension to allow time for another lender to take a look at the package, or to submit a request for the return of my earnest money deposit. Instead she asked me to sign a release granting the seller my earnest money deposit. Obviously she was acting in the best interest of the seller and not me as the buyer, although she was supposed to be a buyer 's agent. The title company said that the seller had to sign a release. I contacted their agent to execute one but was ignored. I hired an attorney who made 3 requests of the seller 's agent and his broker to execute a release. The seller 's agent ignored all requests and when reached by phone, hung up. The seller 's broker said that the seller refused to release our deposit. No one has cited a cause and their action is contrary to the terms of the contract. Now, two months later the seller has started an action in small claims court to sue me for my earnest money deposit. I am a 100 % XXXX XXXX  with XXXX. This is stressful and unfair as I complied with all terms of the contract, used all of the service providers required by the realtors, made a concerted effort to close but was denied and now the seller is trying to simply steal my deposit by refusing to give it back.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

We have been with Nationstar Mortgage for over 2 years. Our original loan was a principal/interest loan, when it was sold ( previously to XXXX ) it changed to include an escrow account. 2 mortgage companies later, we are at Nationstar Mortgage. Last XXXX, we were hit with an unusually high electric bill as well as having an accident in our RV. I fell behind 2 months on our payments. We tried to modify. On our 3rd trial payment, I realized that our 2nd trial payment was returned. So, I tried to reapply at their suggestion. These 3 trial payments were put to the back end of our loan, not the past due months, therefore by this time, it looked like e ere 4 months behind. In the meantime, they decided that we " make too much money '' and could therefore afford our original payments and denied the 2nd application. By the time we got things figured out, they required me to make 9 of said-12 late payments, draining our entire savings. I think this should have caught us up but it did n't. Anyway, I kept us at 2 months behind by continuing to make a payment each month since I could not afford to pay extra to catch up, hoping to catch up with my husband 's XXXX bonus. I missed a payment deadline by 1 day and now they will no longer accept my payments unless I can come up with 3 payments. They will not work with us in any other way. Because of all of this, our credit is shot and because of that, can not modify or refinance with anyone. At least when we were still with XXXX, they were willing to work with us when they added on the escrow acct, Nationstar is beyond not helpful. Oh, and my " account specialist '' is never at her phone, at least 3 times has told me that she had n't received emails because she left early, and seems to know less about my account than the other customer service reps in the call center. Another thing is that when I sign on to my account, I get a big msg " due to XXXX, our interest rates have gone down. Ask how we can lower your payment '', they told me we make enough money and do n't need our interest rate lowered!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I opened a loan account with Nelnet , Inc., a Federal student loan administrator whom I was directed to by my college XXXX XXXX XXXX University - XXXX, NY Campus. I borrowed the amount that would suffice the difference between total tuition cost and my partial scholarship, which was {$6500.00} or thereabouts. On XX/XX/XXXX, I borrowed a like amount from the same administrator for the same reason as the first loan from XXXX. In the XXXX instance, I had to acquire two loans that made up the amount needed ; a larger loan of {$4000.00} and a smaller one of {$2000.00}. At this time, the balance of all three loans totals {$13000.00}, including interest. 

In XX/XX/XXXX, as shown by the provided images of the reporting of XXXX , XXXX, ascertained by an online credit monitoring service, the lender began to report missed payments in excess of 90 days. I myself, as the borrower, was not properly notified of payments becoming due and eventually delinquent at the time of these reports. I was not contacted directly by Nelnet , Inc. until XX/XX/XXXX, when I was granted forbearance of payment for financial hardship. I was notified by the representative who assisted me with the forbearance procedure that efforts had been made to contact my mother, whom I did not live with and did not have regular contact with, in regards to the delinquency of the loans. As the sole borrower of the loan, whose accurate contact information was provided with the application for the loan and online management portal, I believe it is not just that this administrator made no effort to contact me as the borrower in pursuance of payment or procedure in regards to the loan until several months after the account had become delinquent. 

I continued with forbearance with no issue from the provider for more than one year after the initial delinquency and maintained good standing with Nelnet , Inc. and they reported as such to credit bureaus. However, in XXXX and XXXX of XXXX, they once again reported missed payments in excess of 90 days, also visible in the provided imagery, despite my forbearance status. Upon contacting the administrator again, they reinstated forbearance, but did not report good standing to credit bureaus until seven months later, in XX/XX/XXXX, also visible in provided images. More investigation of their reporting procedures indicate that numerous months of all three accounts being in good standing went unreported by Nelnet , Inc., which I believe is unjust. It is unjust not only for the initial failure to contact me as the sole borrower associated with the loan, but also for Nelnet , Inc. to continuously report the account delinquent in excess of 90 days and not reporting at appropriate intervals of 30, 60, and  eventually 90 days, as well as their failure to report positive standing for many months throughout the repayment period.
Product: Checking or savings account

XX/XX/2023, I made a bill payment from my XXXX checking account to my Truist checking account in the amount of {$250.00}. {$250.00} was deducted from XXXX XXXX to Triust online no XXXX. After many calls and in-person visits to Truist they can not locate this bill pay amount. I verified with both banks that I used the correct routing and checking account number for Truist. So now, {$250.00} has been deducted from my XXXX checking account but never showed up in my Truist checking account.
Product: Mortgage

This bank IS offering " financial relief '' as published and listed on their own website, help in forms of " DEFERMENTS '' for customer loans that are including HELOC 's and this info IS as per the TD bank website and I read this in many other forums on the internet to support this. It is published information that TD bank itself IS offering COVID-19 help for those loan products and DEFERMENT is only LISTED on tdbank.com, COVID-19 updates, that info says updated as of XX/XX/2020. It does not even state forbearances listed but I do not want any forbearance when I've been asking for a 3 month deferment! 

HOW DOES A BANK NOT HONOR THEIR OWN COVID-19 ASSISTANCE OFFERING TO HELP THEIR CUSTOMERS DURING THIS CRISIS WITH DEFERMENTS on HELOC 's?? I AM MIND BOGGLED HOW THEY ARE ADVERTISING THIS but WHEN YOU CALL THEM TO ARRANGE IT, THEN ITS A WHOLE DIFFERENT STORY THAT DEFERMENTS ARE NOT OFFERED? ISN'T THAT ILLEGAL AND DECEPTIVE?
Product: Credit reporting or other personal consumer reports

XXXX never served by Court Clerk and Writ of Quo Warranto 28 U.S. Code 1691 - Seal and teste of process
Product: Checking or savings account

As per my other complaint with XXXX XXXX. 

My carpayment was withdrawn XXXX times for XXXX. the funds were removed on XX/XX/XXXX and XXXX. XXXX XXXXXXXX stated that the funds were returned on XXXX second and posted to my account on XX/XX/XXXX as a refund. 

Huntington bank stated on multiple occasions that they never received a funds return. I asked for something in writing stating that the funds had not been received preferably by email. They said they could not communicate that in any way. I stated I have receipts stating the funds should be back in. 

The rep transferred me to the supervisor after several times asking for it. I waited on hold an excess of XXXX minutes, then hung up because I was working. I taked with XXXX XXXXXXXX XXXX several times and they keep stating the funds were returned.
Product: Prepaid card

I was trying to use my American Express Gift Cards for purchases on XXXX but the card continues to be declined preventing me from using it. 

I contacted XXXX customer support and they informed me that the card was indeed declined even though the amount charged is within the gift card 's balance. Others have reported the same issue of not being able to use their Gift Cards on XXXX despite being a general-purpose card because AmEx is blocking them.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following account be blocked and deleted from my credit report due to fraudulent activity related to a data breach. As a victim of this breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have this account removed from my credit file. 
Account : XXXXXXXX XXXX Account Number : XXXX, Date XXXX XXXX, Amount :
Product: Debt collection

After speaking with the company and submitting a prior complaint, I researched and called the Secretary of the State and this company isnt bonded in the state of Texas to collect any debt. I have obtained a certificate from the state that has this information enclosed and will attach the document to this complaint. I would like for this item to be deleted from my credit report with all 3 bureaus immediately in fairness of my rights with the state laws along with the laws and regulations of the FCRA. This company has caused financial hardships and making it difficult for credit worthisness.
Product: Credit card or prepaid card

I was a victim of Hurricane Florence and my card issuer was aware of this information. They have taken away a chunk of my credit and because of this I am now showing as over the limit. They have also charged me a massive amount of interest and fees knowing that I was unable to make any payments due to being out of work. I have been with this company over 3 years and it just isn't right how this has happened to me.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. 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 USC Code 1681eb. 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 MONTHS 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 21 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 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX XXXX, Inquiry Date : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ), Inquiry Date : XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( XXXX ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b { c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.
Product: Debt collection

Original creditor was included in XX/XX/XXXX Bankruptcy-see attached XXXX XXXX which shows original creditor. Bankruptcy was discharged -see attached order.

In XX/XX/XXXX, Midland purchase this debt that was discharged thru Bankruptcy in XX/XX/XXXX.

They have been asked to provide debt validation and refuse to do so.

They have been provided with XXXX XXXX and discharge and refuse to remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm " XXXX XXXX XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureau to confirm this records ( 1 ). ( A ). I'm confident the contested records is settled. 
XXXX XXXX XXXXXXXX XXXX XXXX : {$44.00}
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the accounts, which you denied. I submitted sufficient information for you to perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually, I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have never been late on these accounts so please remove the late dates on these accounts ASAP.