23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Loan Depot is acting with gross negligence regarding a financial matter. At issue is a modification request that submitted on XX/XX/XXXX. On XX/XX/XXXX we contacted Loan Depot for a status update only to be told they had too many calls and would be calling back later that day. They never called that day, the next day, nor the following day. We called again on XX/XX/XXXX and were told again they were only doing call backs as they had too many people calling them. Again they never called. Then we called again on XX/XX/XXXX and were again told they had too many calls. When we complained that they told us that all week and nobody called back the only response was they were telling people what upper management told them to say. 

It's painfully obvious Loan Depot either has more loans than they can service or doesn't want to service the loans. Just like XXXX XXXX who got too big too fast so Loan Depot seems to have followed suit. Being told all week they have too many calls is unacceptable. The fact that they never called back is gross negligence and they should be sued for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

please take this credit inquiry as this violates the fair care act!
Product: Mortgage

I am filing a complaint regarding the improper and potentially fraudulent execution of the Assignment of Deed of Trust and Substitution of Trustee that was recorded in connection with my mortgage loan. 

The Assignment of Deed of Trust, which was recorded on XX/XX/year>, was signed by Assistant Secretary, XXXX XXXX, who, I believe was not legally authorized to sign this document. 

The Substitution of Trustee, which was recorded on XX/XX/year>, was signed by Assistant Vice President, XXXX XXXX, who, I believe was not legally authorized to sign this document. 

Specifically, I have reason to believe that XXXX XXXX who signed the Assignment of Deed of Trust and Substitution of Trustee is not an authorized representative of the beneficiary and lacked proper corporate authority. XXXX XXXX, who falsely represented themselves, as Assistance Vice President for Nations Direct Mortgage LLC., and as Assistant Secretary for Mortgage Electronic Registration Systems , Inc. XXXX is presumably a Manager at XXXXXXXX XXXX XXXX XXXXXXXX XXXX according to their XXXX profile. This misrepresentation of authority calls into question the validity of Assignment of Deed of Trust and Substitution of Trustee and any subsequent foreclosure actions taken based on these documents. The parties involved failed to adhere to legal requirements. 

As a result, the fraudulent signing of these documents has resulted in the subsequent foreclosure actions jeopardizing my property rights and causing me and my family significant distress and legal complications. 

I request that CFPB investigate the legitimacy of the XXXX XXXX Deed of Trust and the Substitution of Trustee and the authority of XXXX XXXX and take appropriate action against all parties involved in the fraudulent signing. 

Attachments : - Copy of Assignment of Deed of Trust - Copy of Substitution of Trustee XXXX XXXX ( XXXX ) XXXX XXXX profile - Nations Direct Mortgage Leadership Team
Product: Prepaid card

I have an Amex preloaded gift card for XXXX XXXX I went to purchase an XXXX gift card for XXXX $ to reload my balance on my account. The purchase was declined but a XXXX $ charge was added to the card. I contacted Amex and was told that they decline XXXX purchases automatically due to " protecting my funds '' and would not allow me to make a purchase. I then tried several other outlets with XXXX success with the same outcome. When reaching out again to just ask for a check or cash since their card is declined everywhere, I was told that it's mine problem, not theirs. This is ridiculous. I have money on the card that is impossible to use and given the run around by Amex. On top of that the processing charges will take over 2 weeks to be reversed if the card ever does work. I want my money that they claim I can use.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 my Auntie XXXX XXXX used Venmo/PayPal to send me {$2200.00}. 
I was unaware that my bank " XXXX XXXX XXXX XXXX " in XXXX, Mo used a different money transfer the XXXX app to recieve money transfers. I had contacted Venmo over 12 times sending my correct email, driver 's license, 3 months of bank statements by email to the Venmo specialist team. Venmo just this last Saturday XX/XX/2022 informed me that the money was at my bank and to contact my bank, upon doing so I learned from my bank that they don't use Venmo/PayPal to ask Venmo to refund my Aunt 's {$2200.00}. My Auntie and I called today XX/XX/2022 at XXXX XXXX CT only to be told that the problem for the refund was being sent to a specialist Team for review yet again and it would take another 24 hour before I would receive an email from Venmo/PayPal to respond to the refund. The last time I made a complaint to Venmo/PayPal they told me the same thing and I had to call Venmo/PayPal back. This is going on 2 months now. Please help my Auntie XXXX get her total refund for sending my {$2200.00}, amount to send money was XXXX. If you have any questions please email me at : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy a d confidentially under 15 USC 1681. Account # XXXX has violated my rights. 15 U.S. Code 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the XXXX period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. According to the FRCA the term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of the account is still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything must be 100 % Accurate. I have the credit report showing the inaccuracies.
Product: Payday loan, title loan, or personal loan

I have had this account since XX/XX/XXXX as I got aligners from XXXX XXXX 
I had many issues with XXXX and, as a resolution, they gave me a partial refund of {$300.00}. I have also been paying excess towards my account because the interest rate was pretty high. 

Now, I just want to apply that credit to the balance so I can have the account closed. 

Prior to XX/XX/XXXX, I cancelled my auto-payments and called in to customer service. ( which is now Synchrony Bank ) A representative told me that they can not apply the credit to my balance and I would have to let it lapse each month to have the money taken out of that credit balance. She also told me that I would still owe the whole {$350.00} amount and that " credit '' is reflected in my payoff balance. This does not make any sense at all. It clearly states what I have a balance of {$330.00} AND a credit of {$290.00}, now. 

I do not want to pay excess finance charges or even interest, which is why I've been overpaying each month. In the terms of my original contract with XXXX, it states that I can pay off early to avoid these costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

An continuance of fraudulent attempts of hard-pull inquiries of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account : 1. XXXX XXXXXXXX XXXX ACCOUNT # XXXX 2. XXXX  # XXXX 3. XXXX  # XXXX 4. XXXX # XXXX 5. XXXX XXXX # XXXX 6. XXXX XXXX  XXXX # XXXX 7. XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX  XXXX # XXXX 10. XXXX # XXXX 11. XXXX XXXX # XXXX XXXX. XXXX # XXXX 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 a account without my written instructions
Product: Bank account or service

I paid off XXXX of my credit card accounts with Bank of America XX/XX/XXXX. Recently, I began using XXXX of those accounts again. I received an email notice of an amount due ( of {$20.00} ) on the closed account and tried to access that account online to determine the validity of the charge and pay if owed. I was blocked from accessing the account by Bank of America. I called and for almost 2 months tried to get resolution on the problem they created. I finally relinquished and send them the {$20.00} payment, to which they assigned a {$1.00} late payment assessment. After two more months and several calls and internal emails to them, they finally credited my account and removed the {$1.00} late fee. In XX/XX/XXXX of this year, they wrote me a letter closing this account ( ending in XXXX ) stating " too many late payments '' on this account. The fact is that there were ZERO late payments for this account, so I called and spoke to XXXX separate representatives for this institution. The first said she saw no evidence of any late payments that would warrant closing the account in the records on the account. The second person I spoke with was a XXXX who looked into this and my other account with the bank, and she said that the XXXX account was in good status, however my other account had XXXX missed payments ( in XXXX and XXXX of XXXX ), even though it was paid up to date. I explained that while I received notice of payments due on that unrelated account, I was still being prevented from Bank of America from accessing the account to make online payments, Again, after XXXX months of internal online correspondence and multiple phone calls, I was able to once again access my account and changed my profile back to my original XXXX and password. Then, and only then was I able to make the payments. The Supervisor told me she would re-establish my account and send out a new card. She furthermore credited my account with the XXXX late fee assessments ( posting on XX/XX/XXXX ). She further apologized for the problems created by Bank of America and said she would look into the reports to credit agencies to get them corrected to show accurate information and no late payments. Consequently I received another letter from Bank of America dated XXXX XXXX, XXXX stating that they " were unable to approve my recent request to reopen '' my account, citing " too many accounts with balances and the amount owed on revolving accounts is too high. '' This is, of course, inaccurate and a false statement relative to my income and past history of credit card use and accounts. They also blamed XXXX XXXX, the company they provided with the false negative reports of " late '' payments citing a report received from them.
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 right to privacy and confidentiality under 15 USC 1681. 
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 I looked at my Experian credit report on XX/XX/XXXX and i noticed some things are incomplete and not accurate ; and according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report reletes according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer ; an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item from the file of the consumer, or modify that item of information that the information as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the credit file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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  called the company many times and tried to dispute. I informed them that according to the FRCA, these unauthorized items must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is not complying to the fully executed forbearance / modification agreement, terms & conditions of modification agreement. This problem has been continuing for over 4 months and have not been resolved. I have spoken to them more than 4 times and have also written them certified and regular mail letters to get the problem resolved.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the FCRA I request that LexisNexis immediately notify XXXX of the folllowing : That the bankruptcy Item XXXX is deleted from my file. And to provide me with a copy of said communication. Under the FCRA, I have the right to : - Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him who has received a LexisNexis consumer report for employment purposes within the past two years, or received a LexisNexis consumer report for any other purpose in the past six months ( twelve months for residents of Colorado, Maryland, and New York ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was on my credit, which the original amount reported was incorrect. I disputed with Nordstrom and XXXX later. I will not pay incorrect amounts. So I let it sit the required time to automatically be removed. It's now past exact XXXX ( XXXX ) and should come off my report and hasn't. Cant get to anyone at either company to request removal. Please have it removed from any report based on XXXX law.
Product: Money transfer, virtual currency, or money service

I was scammed on Cash app in 2022 while looking for additional employment. The fake employer had me to deposit a fraudulent check to my XXXX XXXX mobile app and then send the funds via cash app to a bitcoin wallet. Tried to stop the transaction on both ends and was unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On early of XXXX i was unable to communicate on my credit card company which is the " Discover '', family/myself was struggling, very sick of COVID19, due to unable to contact Discover Credit Card , & i was unable to pay my monthly due to them, they cancelled my credit card without my information, not even sending mail to me. I work on medical field since XXXX and during COVID19 time, I am one of the XXXX XXXX, and because of my job i got XXXX XXXX, they don't know how stressful we did, taking care everyday of XXXX XXXXatient in NY, without their consideration. I told Discover Customer care if they can reopen my account and explain to them what happen to me.

6 months after the Discover closed my account, I fully paid them, but my credit history was damage already by Discover, i am not approved anymore on loans right now on what Discover did, no consideration on COVID time.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY

ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Account type FHA Mortgage Company reported mortgage payment 30 days late even thought payment was withdrawn processed.Also my account is on auto pay.I was alerted by experian of the 30 day delinquency and called the company they indicated there was an error and they sent back the payment.There only resolution was for me to pay manually and pay late fee.This has has to be illegal I've had my mortgage since XXXX  and not have one single missed/late payment because have my auto payment set up.They referred me to contact the credit bureau instead of address the issue directly.
Product: Money transfer, virtual currency, or money service

Acknowledge instrument notarized signed by XXXX, money order but not accepted to be deposited by manager XXXX? business banker XXXX. Account closed in that same day.Failed to sign treasury account form gave me the run around about a format I was supposed to use. Account_Number : XXXX last four social XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and TransUnion is reporting 2 accounts with XXXX XXXX XXXX & XXXX XXXX XXXX as being in Bankruptcy and that not correct. Please any help you could give me would be appreciated. Those two were not in BK.
Product: Debt collection

This debt was paid on XXXX with another third party. Nelson & Cruz were no longer the collection agency for the original merchant. I paid XXXX XXXX XXXX on XXXX. I was supposed to receive a letter of confirmation but never did. The charge is also still showing open on my account with Nelson Cruz and Associates, who was removed as the collector. I have reached out XXXX times since then to find out why I still have this showing on my credit report as unpaid. I was told this would be resolved and would be removed from my credit report and I would get a deletion letter to show my lender for mortgage application on XXXX Since then I have not heard anything back. I have called back and left voicemails and no one will return my calls back. This is hurting my chance of buying a house. I need this removed from my credit. Its been over a month since its as paid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX please provide me with the accurate information on these accounts, this effects my life and you guys are listing wrong and inaccurate information 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 a account without my written instructions 15 U.S.C 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 by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Checking or savings account

On Tuesday XX/XX/XXXX I deposited a payroll check in person at my banking location in XXXX Minnesota. The XXXX XXXX XXXX Huntington Bank. the amount was for {$4800.00}. The bank then the next day placed a hold on the funds for 6 business days or until the bank received the funds from the other bank. I called 2 times once on Friday and Again on Tuesday to verify if the funds were received to be told that they have no way of verifying that the funds were received, and the hold will stay on. I then researched the law on check holds and this one falls under the 5-business day threshold.