23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, we sold and closed on our home and the title company accidentally sent the wrong amount ( {$9200.00} instead of {$340000.00} ) to lender ( Loan depot ). They wired the amount to the payoff dept ; however, it was applied incorrectly to escrow and mortgage and not the principal without any notification to us or the title company. 

I am closing on the new house so on XX/XX/2023, the new lender, is asking for document showing loan has been payoff, nevertheless this is when it was identified the title company did not send remainder of funds. 

When I notified title company, I had both Loan depot rep and title company on three way discussing amount to send for payoff which was sent the same day. On XX/XX/XXXX, I called again to verify if wire was received. I spoke to XXXX, a customer service supervisor, and told me the payoff was short, I asked why, and he stated first monies that was wired was applied to mortgage and escrow and he has sent a request to correct it. However, it won't be fixed until Tuesday XX/XX/XXXX because of the XXXX Holiday. 

Again, I called today and told, it is now short because of Loan Depot applying incorrectly. It has now been 4 day and still no resolution. No one has taken initiative and communicate to the right party in the cash department to resolve this. 
Please help we are running out of time.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Transunion that someone stole my identity and has been trying to open accounts in my name. A few months ago, I sent a police report explaining what happened. Again, I have fraud information on my report. Please review the attached documents and delete this fraud information from my report. Inquiries
Product: Mortgage

I submitted a request on XX/XX/XXXX for a Lienholder 's Certificate which is needed for me to do a Boundary Line Elimination on my property, combining 25 little lots into one lot. This is necessary for tax purposes and county planning and development purposes. It is now XXXX of XXXX. I have provided all their requirements - a property survey, a property plat before the proposed changes and an unheard of {$500.00} charge to create the certificate. After nine months and over 30 phone calls they have still not provided me with the document. Every time I call they tell me it is pending. They have made a few attempts to call me, but have never left messages or a convenient time/way to return calls even though I've requested a specific method of establishing direct contact. The few times I was able to reach a live person, the only information they have provided in nine months is that the request is with their legal department, there is no way to reach that department directly, they can only continue to contact the legal department and ask for updates, and that the matter is still pending. 

I have sent numerous emails and phone calls. I finally submitted the following Letter of Demand by email on XX/XX/XXXX. 

This is a Letter of Demand regarding a request submitted to your office XX/XX/XXXX. The Demand is for a Lienholders Certificate that has not been completed in 8 months since the initial request. SPS requested a plat and survey which was submitted XX/XX/XXXX. By XXXX of XXXX, the document still had not been received. SPS stated the request was sent to the legal department and the cost would be {$500.00} for them to generate the document, but no one knew how or when the payment was to be made. No indication of what the next steps were provided. The same information was given repeatedly and no one had updates from legal. After a number of phone calls to the ombudsman department placed throughout XXXX, XXXX, and XXXX, information was finally provided about how to pay the required fee, which was made immediately on XX/XX/XXXX. Since then, over 20 calls have been placed to SPS for updates and no further progress or information has been provided. This is unacceptable.
Product: Mortgage

I am a XXXX person with a modification in place w where the UPB has been paid in full and with no prepayment penalty and 0 % interest on deferred principal balance. payments of {$1600.00} and {$1500.00} there on. With intent to foreclose, Ocwen chareged a unwanted appraisal fee of {$110.00}, refused payments sent, sent delinquency notices, kept escrow account in red, loan in past due status and charging a 1 % not applicable as principal deferred is 0 % interest. statement dated XX/XX/2018 show last activity from XX/XX/XXXX to XX/XX/18 with a deferred principal balance of {$100000.00}. with XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments of {$1500.00} deferred principal balance should reflect {$94000.00} as correct principal deferred balance.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
Accounts : 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

I am filing this complaint on my own behalf to address an issue concerning incorrect employers reporting on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.
Product: Credit card

I requested my report and I found that Venmo Credit Card from Synchrony Bank NEVER reported to XXXX, XXXX and XXXX, my information and status with this visa credit card is missed. The credit card was approved on XXXX, XXXX XXXX. The last statement received was on XX/XX/XXXX. 
Why this credit card is not reporting month by month the status from an account to the XXXX, XXXX and XXXX.? 
I want to see this information on my reports. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022, Experian blocked access to my online credit report and score. However, access to my score is available to every credit card associated with my Experian account. To illustrate, please find attached an Experian screenshot showing what it is being shown to me each time I am trying to have access to my online file. 

I have been calling Experian insensately since XX/XX/2022, to get this matter resolved to no avail. 

As a result of my constant calling, on XX/XX/2022, I received an email from XXXX XXXX from the Experian Care Team asking me to call a number and giving me specific instructions to follow which I have done to no avail. Please find a screenshot of such an email. 

Today I spoke to three Experian representatives seeking to resolve the matter one more time, XXXX, XXXX, and XXXX who did nothing, and finally, XXXX hang up on me. None resolved the matter.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of my previous address from my credit report. I have recently reviewed my credit report and discovered that an outdated name ; XXXX XXXX ; Addresses ; XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX, XXXX, FL, XXXX are still listed under my personal information.
Product: Debt collection

On XX/XX/XXXX I contacted Shermeta Law Group, LLC regarding two credit cards with XXXX. I set up a payment arrangement to pay {$100.00} to each of my two accounts every two weeks. I told them I could make my first {$200.00} payment ( {$100.00} on each account ) on XX/XX/XXXX and I was asked for my bank account info and then told I would need to call on the 30th to make the payment. I called on XX/XX/XXXX to make the payment and then when I checked my bank account on Monday, XX/XX/XXXX, I saw that two payments of {$200.00} had been deducted. I contacted my bank but was told they could n't do anything until the payments actually posted. I contacted Shermeta on XX/XX/XXXX and was told I would be given a refund. I was told the reason 2 payments were made was because one was set up as an automatic payment and I called and made the second payment by phone. Apparently their payment system does n't list pending payments and the only way the representative would know it was there is if she reads the notes on the account. If I did n't know that other payment was set up, I would not know to tell her to read the notes! I still have n't received the refund, have received overdraft fees of {$36.00} because of it and have had money needed for other bills held hostage because I work in a XXXX XXXX and ca n't spend every day trying to call them. I called them again today, XX/XX/XXXX, but they close at XXXX XXXX and I could n't call until my lunch break. I am still without the money and even though I have disputed it with my bank, that can take 45-90 days to resolve. I just want the refund I was promised.
Product: Debt collection

I paid all my accounts with XXXX XXXX that were reported to Financial Recoveries for collection I ask them close all the accounts on my credit report. All of the checks cleared the bank of XX/XX/2020 yet the accounts are still listed as open on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a credit card in the mail from Chase. I never signed up for the credit card. The card I received in the mail has my information on it and account information for something I never signed-up for. I have been trying to reach Chase to figure out what happened and how they created a credit card account without my permission. Due to COVID-19, I am having trouble getting a hold of Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 NEGATIVE ACCOUNTS : 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 an account without my written instructions.
Product: Debt collection

Agreed to delete after disputes. Never deleted. Disputed again and the denied the claim stating that i was inaccurate
Product: Payday loan, title loan, personal loan, or advance loan

ONEMAIN is claiming that I owe over {$10000.00} for a personal loan but can not prove that they loaned any money. Ive tried and tried to get this resolved because it is affecting my credit in a bad way. There is no binding contract between me and ONEMAIN. I need this removed from my credit.
Product: Credit reporting or other personal consumer reports

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. Despite my numerous attempts to dispute these erroneous
accounts and rectify the situation, XXXX has failed to

adequately address and resolve the issues at hand. Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Product: Checking or savings account

I opened a claim for merchandize not received on XX/XX/year>, under the case number XXXX and the claim was denied without any answer or reason. 
I reopened the case on XX/XX/year> through customer service and since then I have not received any update or status of the claim reopened. 
I sent the information requested to have a second review to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ....
Product: Credit card or prepaid card

Citi cards charged me interest on my credit card even though I paid my balance in full before the new statement cut. I owed XXXX on XX/XX/XXXX. I paid XXXX on XX/XX/XXXX and they posted my XXXX on XX/XX/XXXX. They charged me interest on entire balance of my XXXX statement even tho I paid this amount already before my XXXX statement period began on XX/XX/XXXX. I was charge XXXX on XX/XX/XXXX even tho I paid my balance in full on XX/XX/XXXX. When I called XX/XX/XXXX I was told they charged me this based on a residual finance charge. This is illegal and immoral as I paid the fully owe balance so how can they charge me interest on something I paid already. They refunded my fee but this practice is illegal and needs to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the inaccurate accounts listed on my credit report with TransUnion. On XX/XX/XXXX the respond to by dispute via mail stating that either accounts have been verified as accurate, the account has been updated or the account belongs to me. They sited their sources as either the original source, or third party vendor named XXXX. I have reached out to XXXX and gotten a report of the file they have on me to compare the results with TransUnion claim. XXXX states clearly that they dont contain the accounts that Transunion claims to be verified through them. How can this be accurate if the source " XXXX " denies Transunion claim?? This is inaccurate and I would like Transunion to provide me with their proof such as the report from XXXX which they claim the used to verify and any other original source used to make their verification. The accounts are listed below : 1. US Bankruptcy case # XXXX XXXX ACCT # ENDING IN XXXX XXXX ACCT @ ENDING IN XXXX 4. US Bankruptcy case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

wrong spelling of last name. 
NAME ID # XXXX XXXX XXXX NAME ID # XXXX XXXX XXXX XXXX ID - # 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 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  Report XX/XX/XXXX XXXX XXXX Direct to Consumer Report has violated my rights.

15 U.S.C 1685 section 602 A. States i have the right to privacy.

15 U.S.C 1685 section 602 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1685c. ( a ) ( 5 ) Section States : no consumer reporting Agency may make any consumer report containing any of the following item of information Any other adverse of information, other 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 to a consumer to any consumer reporting agency if the person knows or has reasonable cause to belive that th information is inaccurate.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXXXXXX XXXX XXXXXXXX Balance : {$29000.00} ; XXXX XXXX  XXXX Balance : {$5200.00} ; XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX has violated my rights 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 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 1681 c. ( 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: Credit reporting, credit repair services, or other personal consumer reports

I purchased a new vehicle on   XXXX   XXXX   XXXX   at  XXXX   XXXX  in  XXXX , FL. For that purchase I traded in my   XXXX   XXXX   which was Financed with   XXXX   XXXX   XXXX  ,   XXXX   XXXX   obtained a 10 day payoff in order to send  XXXX  the correct amount owed. I started receiving collection calls from   XXXX    around   XXXX   XXXX   asking for payment from me I stated that I traded the vehicle in on   XXXX   XXXX   and they should have received the payoff check from the dealership already. It turns out that  XXXX   XXXX  supposedly sent the check to the wrong bank which caused a delay.  XXXX  was aware of this but still reported me to the credit bureau as being 30 days late making a payment which I was never late in making my payments this was the dealerships fault in sending the payoff late which in turn they ended up having to pay more money. I am furious that my credit was affected by this. I disputed it with  XXXX  but they did not remove it. The Dealership overnighted the payoff check on   XXXX   XXXX   and now my credit suffers because of it.
Product: Prepaid card

I bought a {$200.00} vanilla gift card from XXXX XXXX. I activated it and everything. Lost the card in XXXX for a bit before finding it. Once I found it I went to purchase some stuff. I come to find out everything had been spent but {$5.00}. Whoever had my card make a {$190.00} purchase at a hair salon next to my local XXXX. I disputed this as unauthorized. The company request a picture of the front and back of the gift card as well as the purchase receipt which I showed them. Here we are a month later and still nothing. 

Im so tired of calling them just about every single day just to be told to keep calling back for an update. Nothing never changes. I want my money back. They need to reissue me a new gift card and ship it to me expedited. 

The information to verify the gift card to show Im the owner is down below. 

Email XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have also uploaded the pictures of the front and back of the card along with the picture of the purchase receipt which is as I said the same thing I sent to the company that they requested. Im so tired of waiting and beating around the bush. I want refunded now. This is nothing but nonsense.