23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I tried for years to have my mortgage modified Nationstar Bank. After years of relentless go around I got no where. Prior to Nationstar Servicing my loan it was Auroa. They to gave me years of runaround. Then years later I find out XXXX held the note. So honestly I never understood who held what. Home went to constant foreclosure sales, but nothing ever happened as my file was always missing or in review status. 

After so much uncertainty I was referred by XXXX XXXX in LA whom referred me to XXXX XXXX XXXX, representing XXXX XXXX XXXX of XXXX XXXX. They told me they would fight for me and I would never lose my home. This went on over 2 years. 
In the 2 years of getting constant run around from Nationstar and the Attorney, the lenders and XXXX took drastic measures to take my home. In this time XXXX XXXX I believed forged all documents to have all my correspondence sent to him. I never received one letter from Nationstar and the attorney told me he is handling it. After all the years pass, I began to trust him as we overcame so many foreclosed dates.I started getting generic letters from a realtor XXXX XXXX threatening me ( not directly ) to vacate my home for months. She taped letters to my neighbors, and I had to find out she worked for XXXX XXXX in XXXX XXXX. She harassed me for months and the attorney told me that she just wanted the sale. I never had XXXX minute face to face with her. 
I am a hard working VP, I make good money, put over 20 % down on my home, and tried repeatedly for someone to help me. I either wanted to refinance with my parents, modify balance, and sell the home. Options by Nationstar or XXXX never happend. At least I never got any mail. Attorney, lenders, and XXXX XXXX harassed me from XXXX XXXX to when I was thrown to the streets by police on XXXX XXXX. 

After 3 years, I found out the XXXX XXXX was a fraud misrepresenting XXXX XXXX ( who went BK 2-3 yrs ago ). XXXX XXXX of California said they could not go after him since he was not a true lawyer. I also filed a claim with District Attorney who told me to contact Realtor Board to go after XXXX XXXX, who misrepresented herself, and the list goes on. 

The end result of 3 years fighting the lenders, finding out my so called attorney was or is part of a scam, A realtor who was working unethically, I lost everything. 

As I mentioned I was evicted XXXX XXXX XXXX when I thought the Attorney was handling it with so many promises. 
I lost over {$170000.00} of my entire savings, I lost 10 years of my life in the home, and my credit went to shambles because of the attorney falsifying my identity to file BK to save the home after it was sold XXXX XXXX XXXX, which I never knew. I am living my childhood bedroom, with no credit, and no money. I have tried to get someone to listen, District Attorney, Lenders, Realtor Board, and State Bar hoping there is some closure to the nightmare I have been living. The attorney and lender left me to drown. As I try to rebuild my life, i was a victim of fraud and deceit, if the lenders just worked with me and options to come to a conclusion none of this would have happend. The Home was taken away from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Allied Business Services in XXXX, MI. Dates from XX/XX/XXXX - XX/XX/XXXX. Had serious medical conditions and was off work on XXXX. My mental capacity was diminished and could not handle any day to day activities. I would receive robo calls everyday or sometimes even multiple times daily and had no idea who they were from. I never received any physical communication via regular mail. I had issues with my mail and other individuals would even be handling my mail due to my mental capacity issues. As soon as my health issues were resolved I looked into all of this and found out they were medical collections from my health issues. I immediately paid them in full on XX/XX/XXXX. I begged Allied to work with me and please delete these from my credit file due to my situation. They declined and said they could not help me at all. I even talked to a supervisor and also got no where. They told me tough luck. This is now costing me a loan for a house. I have never been late on anything in the past and have always paid everything. Please help.
Product: Credit reporting or other personal consumer reports

My account 's been in Lost mitigation status for the last on and off year my credit report has been reported with the mortgage being late for about 7 months of that, they have used tactics of not calling me following up with any of my issues acting like my last mitigation accounts been a problem for them although it's been approved every time. Treating me very poorly and then come to find out they're the ones who are being sued for a XXXX  XXXX dollars because they released our personal information and mine was part of that, I literally can't ask for anything from them their demeanor changes as soon as I get on the phone they're rude I'm helpful and now they just sold my mortgage so before it gets old I need this corrected and so they will not work with me with anything. I followed all my obligations with them I've had to upload my applications multiple times and they say they didn't get anything although they definitely have and they've just literally done anything to make this process difficult and impossible. 

The last 6 months have been reported late they also have my balance at {$230000.00} which is when I bought the loan and even with my most recent Snapchat of the account which I'll provide because their statements aren't correct either my balance is at {$220000.00} so it's also adversely for affecting on my credit report that way as well causing me issues to obtain a vehicle on which is much needed at this point, I've already worked very hard to get a well-paying job again after dealing with lies and deception from the post office falsifying documents in my employment case, then worked for you UPS they discriminated against me my lost it's almost complete on them then I work for XXXX that lawsuits pending and almost complete as well and then I currently work for XXXX and finally a new lawsuit this continues to happen to me because I'm a person with integrity and when I speak about it to people that don't have it did you very unhanded things to me putting me in these shoes, and again places like XXXX XXXX  who do the same thing because they can't believe that somebody I know there's very few of us out there are good people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Me and my family have had severe cases of XXXX  XXXX we were off work an ally financial reported late pays after I notified them we were very sick .I was hospitalized for 21 days an my daughter has been in an out of hospital with covid an she is 5 months pregnant I ask ally if they could remove the late pays an I was told XXXX it will take 30 to 45 days it is 80 days later an it has not been removed
Product: Debt collection

I received a collection letter from amsher collections in XXXX. I sent them a letter in XXXX stating I am not confirming or denying the debt I am asking them to verify the debt. I did not receive any supporting documentation that verify this is my debt. Amsher placed a collections on my credit report XX/XX/2022 without any validation of this debt.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I submitted disputes to XXXX, XXXX and XXXX to get several issues resolved to no avail. 
All companies listed are in violation of the Privacy Act of 1974, Fair Credit Reporting Act 15 U.S.C 1681b and the Federal Educational Rights and Privacy Act ( FERPA ) 15 U.S. Code 6801 - PROTECTION OF NONPUBLIC PERSONAL INFORMATION ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

15 U.S. Code 6802 - OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party Most Important is the violation of [ 16 CFG 313.3 ] DEFINITION ( o ) Personally identifiable financial information ( 2 ) Examples ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information.
Product: Debt collection

This letter is to remove inaccurate information AWA Collections account number : XXXX Amount : {$460.00} To whom it may concern I received a copy of my credit report and found the following items to be errors.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigatedand removed from my report it is my understanding that you will recheck these items with the creditor who has posted them. Please remove any items that can not be verified. I understand that under 15 U.S.C.sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter sincerelyXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my EXPERIAN credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that need to be deleted are : XXXX XXXX XXXX XXXX, IL XXXX and there is XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX 

My correct address is XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 of information from the file of the consumer, or modify that item of 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 file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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 relates.
Product: Credit card

I've banked with Chase for several years and have found their card portfolio to be excellent while their customer service is a hit or miss ; They can be rude or unhelpful not acting in the spirit of service and customer satisfaction. This is one of those occasions. 

I applied for and was approved for the XXXX XXXXXXXX XXXX on XXXX. It was advertised with an intro offer of XXXX XXXX miles after $ XXXX spend in the first 3 months. 

Barely over a month later o/a XXXX, Chase changed the intro offer to offer XXXX XXXX miles + XXXXXXXX XXXX for the same $ XXXX in spend in the first 3 months. 

Here is the link for the new improved offer that I also provided Chase as proof in the secured message center. 

https : //creditcards.chase.com/travel-credit-cards/united/united-quest I asked via secure message on both XXXX and XXXX for Chase to honor the new offer considering it was 1. Barely over a month since I had been approved for the card 2. Most critically, I haven't received the intro bonus yet 3. I was within the 3 month window of the spend offer 4. I was charged the {$250.00} annual fee already. 

They refused twice via secure message. They're subjecting me to a bait and switch and are not honoring their offer change in good faith. This marks for poor business practice and a loss of confidence and trust in Chase on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2300.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$0.00} XXXX 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
Product: Debt collection

I disputed this debt with this company this year asking for validation of this account and I received a bill in the mail from this company.I know my rights and a bill its not validation that I owe this alleged debt.This company hasn't provided proper validation and by law they need to cease all collections and reporting on my credit report.
Product: Payday loan, title loan, or personal loan

I applied for a {$500.00} payday loan from Cash Central on XX/XX/XXXX. I faxed and emailed a Notice of Cancellation on XX/XX/XXXX that I was rescinding the loan. I also called Cash Central on XX/XX/XXXX and spoke with XXXX or XXXX at XXXX to confirm I was cancelling/rescinding the payday loan and written documentation had been sent. Cash Central contacted me back on XX/XX/XXXX that ACH transactions had been disabled on my account effective XX/XX/XXXX and I needed to return the {$500.00} by certified check or XXXX XXXX. I purchased a certified cashier 's check from my bank on XX/XX/XXXX and returned the funds to Cash Central by overnight certified mail. The cashier 's check was cashed by Cash Central on XX/XX/XXXX. I contacted Cash Central by email and telephone to confirm receipt of the funds and no additional penalties or interest would be deducted from my account since the ACH function was disabled on my account. I was assured by XXXX a service manager that no additional fees were due and nothing would be deducted from my bank account. On XX/XX/XXXX Cash Central deducted {$140.00} from my bank account without my knowledge or authorization. I do n't owe them those funds! I want the funds returned to me immediately!
Product: Debt collection

On multiple complaints, I have requested for simple identification of the entities that had beneficial interest and to whom the funds were disbursed to from the equity on my property. The responses and answers clearly indicates that Shellpoint Mortgage Servicing is hiding critical information and committing FRAUD. Their response is as follows.. First response : " It's a Conventional loan. '' Second Response : " Please be advised, when there is a foreclosure on a property, there is no HUD information provided. That document is only provided when there is a sale or short-sale of a property. Regarding the names of the entities that funds were disbursed to, since this was after the property was foreclosed upon, you no longer had interest in the property, and Shellpoint is not required to provide that information to you. '' Third Response : " Shellpoint is not required to provide any information to you once the property was foreclosed and you are no longer responsible for the loan. No further information will be provided. '' Fourth and latest response include " This is a duplicate complaint! '' *** Level II investigation requested from CFPB!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I tried to see my credit report on XXXX and XXXX wouldn't let me see my free report. And also, on my XXXX  app my credit score or credit report hasn't been updated since XX/XX/2022 for neither Transunion nor XXXX.
Product: Credit card or prepaid card

On XXXX XXXX XXXX, my wife received a letter in the mail from Citibank. The letter was addressed to my wife 's " estate '' and referred to her as " the decedent. '' The letter included a check for {$7.00} as " a refund ... for certain fees previously billed to the decedent 's account for a debt protection program. '' My wife is not deceased. She is in very good health. Moreover, my wife does not have, nor has she ever had, a credit card or any other account with Citibank. My mother, with whom my wife and I share a mailing address, does have a Citibank card. I have a card in my own name on the same account as my mother. However, the account number stated on the letter does not match the number of the account I share with my mother.

My wife and I are concerned that one of three possibilities may be true : Either that ( 1 ) this letter may be part of an illegal effort by a third party to defraud my wife, or that ( 2 ) this letter may be  evidence of identity theft wherein another party has opened a Citibank account in my wife 's name, or that ( 3 ) this letter may be evidence of illegal activity on the part of Citibank wherein Citibank has opened an account in my wife 's name without her knowledge. 

My wife has asked me to help her by contacting appropriate government authorities on her behalf. I consider myself to be a party to this incident because any financial liability incurred by my wife affects our family as a whole.
Product: Debt collection

Sometime between XXXX - XX/XX/XXXX, XXXX began calling me claiming that I owed {$210.00} for cell phone service, after I had changed to another provider. I explained that I could not this amount. They insisted but would not provide me the dates of service. I then requested the bill and usage information for the bill that they were trying to collect totaling {$210.00}. XXXX sent me the requested information which showed that I could not possibly owe {$210.00} based on their own usage records. I called the company numerous times but no one would review the bill. They insisted that all they could do is collect the money. XXXX refused to listen to me about that even their own records show that I do not owe XXXX. Rather than investigating the matter and checking their records, made a negative reporting to the credit bureaus and referred me to a collection agency XXXX referred me to a collection agency I have contacted the collection agency, Sequium, which stated that they can not verify the debt or state if XXXX 's bill is inaccurate. The agency stated that it opened a dispute with XXXX on XX/XX/XXXX. I dispute this account with XXXX about XXXX months before the debt was referred to Sequium. 

Attached is the bill with the usage information and a letter that I wrote to Sequium.
Product: Checking or savings account

i cant receive payment through zelle XXXX keeps blocking zelle payment coming into my account with a device security triggered issue error message i contacted varo support team and they are unable to resolve or fix or override this problem coming from zelle and i cant receive payment on zelle and customer support is refusing to help and fix this payment returned issue i even spoke with a name harsh from the varo support chat and he refused to lift and fix the security issue coming from zelle and i been using the same device the whole time
Product: Credit card or prepaid card

Comenity Bank is the credit provider for the XXXX store card. XXXX  went out of business and I have not been able to payoff the account. I have tried to contact XXXX at the phone number XXXX, regarding account number XXXX. This account was sent to XXXX XXXX XXXX, phone number XXXX. I have left several messages since XX/XX/2023, for them to call me back. No one has returned my call. 

Comenity is also the credit provider for my Victoria Secret account XXXX. I have tried to contact this company at XXXX to resolve this credit issue. This account has also been sent to XXXX XXXX XXXX. I have left messages, again since XX/XX/2023, for this company to return my call in order to resolve this delinquency. I have not received any calls to resolve this account. 

I have tried to reach Comenity for my account with Justice XXXX at the phone number XXXX. This account was sent to XXXX XXXX XXXX, phone number XXXX for collections. I have tried to contact this company several times, to only be given the option of leaving a message. No one has returned my call. 

I am trying to repair my credit, so I may achieve my financial goals and benefit from lower interest rates. I can not get any information on these accounts in order to resolve them. The continued delinquency reporting is hurting my credit. I need help getting these accounts resolved.
Product: Debt collection

XXXX XXXX owns a debt from Citi Financial in my name. I beleive XXXX XXXX " relied on misleading, robo signed court filings to churn out lawsuits '' - CFPB Takes Action Against The XXXX Largest Debt Buyers For Using Deceptive Tactics To Collect Bad Debt. Published XXXX XXXX, 2015. This bad debt has been sold 3 times since from the original creditor ( CitiFinancial ). I also beleive that XXXX XXXX " misrepresented their intention to prove debts they sued customers over. " CFPB publication. Filing a debt collection lawsuit with out meaningful attorney reveiw, unlawfully misrepresents the attorney 's involvement in the case. I beleive the Certificate of Conformity submitted as evidence, by Attorney XXXX XXXX was " robo signed '' and that this bad debt was never properly validated with the original contract, my signature and account statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$0.00}