23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

For the XXXX time in the 26 months since taking over servicing of our mortgage, Nationstar Mortgage has failed to provide a monthly mortgage statement. This follows previous complaints about this same issue, with the first XXXX filed with the CFPB on XXXX XXXX, XXXX as Case number XXXX. The first complaint concerned not providing mortgage statements in XXXX and XXXX of XXXX. Nationstar then did not provide mortgage statements in XXXX and XXXX XXXX, and XXXX XXXX. That caused us to file complaint number XXXX on XXXX XXXX, XXXX. We subsequently also filed a complaint over the failure to provide the disclosures required by 12 CFR 1026.20 ( d ) between 210 and 240 days prior to the reset of a mortgage payment, and Nationstar refusing to provide a copy of the Note with " any modifications thereto '' as required by California Civil Code section 2943 ( b ). 

12 CFR 1026.41 provides the exceptions to providing a monthly statement, and our case does not fall within any of the exceptions. Nationstar has cited the existence of litigation as their excuse for not sending the required statements, but in our situation, only a filing of bankruptcy by a borrower provides a reason for not providing a mortgage statement. We have never filed bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I May or may not be part of the Equifax credit information hack. I can not be certain since its been shown reliably that the Equifax verification tool is giving out bogus information. And therefore now have to take proactive steps to ensure i 'm safe. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information, without my consent and I should not be required to pay them additional money to protect my information, Especially when companies like XXXX XXXX have in the last week redesigned their website to promote a " credit monitoring '' Service instead of linking directly to a credit freeze application. Thees " bureaus '' are doing a POOR job of protecting my information, then want me to pay them to protect it, FROM THEM The sheer hubris of this in light of the failures by negligence of their actions in the first place is  astounding.. Thank you for taking time to read my complaint.
Product: Checking or savings account

Hi, associate. : My name is XXXX XXXX..l am filing a complaint. My checking was reported fraud activity on XX/XX/2020. Somebody used my checking to make a payment of {$96.00} at XXXX on XX/XX/2020.I login my account and found out the {$96.00} was still pending. So l called the bank to stop payment.And after this, there was a huge amount of moneytransfer from my account through electronic and other check ( {$190.00} ) was pending..
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX : {$530.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several dispute letters and Equifax always says they dont receive my documents causing a delay as I then have to send the documents again just to be provided with the same information. 

I sent a letter along with a document from the collection agency stating the account will be closed and removed from all credit agencies. Since I didnt see the updates were made, I sent the dispute directly ; however, the account has not been deleted. I spoke with an agent today, XX/XX/07 at XXXX CT who was rude and refused to provide his name and refused to get a manager on the phone. He placed the call on mute and ignored my requests as he did not respond. The call is currently active as I am completing this dispute going on 50 minutes while the agent still has not responded.
Product: Checking or savings account

Fraud on checking account occurred in XX/XX/XXXX through a merchant we have used before in the fall of XXXX. I contacted Bank Of America to advise of fraudulent charges while they were pending and was advised that they would contact the merchant for proof of fraud in XX/XX/XXXX. The advised me to allow charges to clear for claim processing in which fees would be waived. Card was canceled and replacement was issued. Now months later in XXXX, claim was denied and not paid because Ive used this merchant before. I did ask for the proof from the merchant that this transaction was unauthorized and Bank Of America confirmed they will not require proof of fraud from merchant and make decisions solely on timing of reporting and if Ive used this merchant before. No contact was made with merchant to prove the fraud nor after multiple disputes through management on XX/XX/XXXX and XX/XX/XXXX would their be attempts to contact to the merchant to find out how these items were fraudulent. Solely on the confirmation that I have used this merchant before qualifies Bank of America to not do due diligence to protect their customers and prove that items were in fact fraud. This is not only predatory behavior, but also a concern for a consumer who has been with this company for over 15 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX and 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Money transfer, virtual currency, or money service

I'm trying to connect my bank account to my XXXX account and I'm unable to do so.
Product: Bank account or service

I was informed by an official of the bank ( Citizens Bank XXXX in Delaware in XXXX 2013 that since I have my XXXX-weekly check direct-deposited into XXXX of my accounts, I will not incur any charges whatsoever regarding balances etc. but surprisingly, the bank has stealthily resorted to charging over $ 4 monthly for almost a year claiming the balance on XXXX of my accounts is less than {$200.00}. This is quite deceptive and fraudulent.
Product: Credit card

Got an email from XXXX that said my chase card is blocked. Further investigation into the email showed it spelled as chass and Chas, it was very obviously fake.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting incorrectly to Equifax ; XXXX and XXXX  a collection in the amount of {$4700.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page 6 of the attached credit report. ) This account does not belong to me. I do not have a XXXX XXXX card. The date of last activity on this account was XX/XX/2014. This account is well over the statute of limitations ; does not belong to me ; and reporting this is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Checking or savings account

On XX/XX/23 I received a new application alert from XXXX. The morning of XX/XX/23 I received an alert from XXXX XXXX XXXX that {$12000.00} had been withdrawn from my savings account by XXXX CITIBANK , N.A . which was not authorized by me. XXXX XXXX XXXX CITIBANK , N.A . I called XXXX they gave me the number of CITIBANK to contact them, I called XXXX spoke to the Fraud Department to XXXX. I explained I had not opened this account and that my credit file was locked on all three credit bureaus and didn't understand how this could happen. She gave me a case number XXXX and assured me the account would be locked and closed, and I would receive a report in my mail at home. ( unfortunately, I was on a 3 week trip to NY and wouldn't be home till the last week of XXXX. I then called my bank XXXX XXXX XXXX XXXX and put in a dispute over the transaction. On XX/XX/XXXX XXXX had returned the money to my Account and locked it to prevent further activity until I could get back and open a new account to transfer funds to. I returned home on XX/XX/23 and opened a new account at XXXX XXXX XXXX at which time I transferred my existing funds to the new accounts. I have yet to update all direct deposit information to my existing accounts. I have tried serveral time to reach out to CITIBANK and on each attempt they were unable to provide me any information but instead told me I need to go to a branch office to solve this issue. I explained the closest branch office is over XXXX miles to the other side of the state. I have since reached out to XXXX who recommended I file this complaint. I would appreciate any assistance as I have received checks, and atm card and other material from CITIBANK. Please advise if you need any further information,. 
ps- I did try to contact the local authorities who advised me that because my money had been returned they couldn't open a complaint.
Product: Credit card or prepaid card

Starting in XX/XX/2022, I have received multipke notifications from XXXX different banks with info about credit card applications that I never made - fraudulent applications apparently made by somebody else using ny name and info. The banks are Comenity Bank, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I have received letters from these banks urging me to lift my credit report freeze so they can issue the fraudulent card, and to confirm false fraudulent address changes that I did not make. 
I have written letters to all these banks or called them to warn them of the identity theft and to cancel these applications or accounts. 
XXXX of the banks, Comenity and XXXX XXXX XXXX, have sent me letters about additional fraudulent credit card applications after I already warned them that these are fraudulent. 
In my opinion, it is fraud and harassment to continue to process multiple fraudulent applications after I told them about the identity theft, and this poinr the banks have been so unresponsive that I suspect one if them, Comenity, is making the fraudulent applications themselves internally.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I put an XXXX XXXX freeze on my report and also identity theft freeze on my account because I was a victim of identity theft. Equifax after I submitted a complaint to the CFPB decided to remove my freezes without my consent leaving me vulnerable. They have committed a crime of debt parking for several accounts and refuse to block them. They have also violated my right to have a credit that is equitable per the FTC. When investigating a consumer report, Equifax should have contacted people that know me and not the creditor. CRA have 15 days to produce how they verified an account and I have not received anything. My rights have been violated per 15 USC 1681I { 7 }.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I have owned a property in NC for over 10 years. When I purchased it needed extensive renovation. I did an interest only loan to preserve ma/ny for the repairs. This was XXXX. My husband and I also purchased a business during this time. From XXXX to XXXX we lost money at the business. I did a modification with Wells in XXXX. Since then we have lost the business and had to file a Chapter XXXX for protection against business debts, not personal. I have asked for help from Wells as we have paid 6.625 % for 10 years and have not gained any equity. They sent me an appraisal in XXXX showing the value as XXXX. When I contacted them about getting turned down for a loan modification or principle reduction I was told that I should look into a short sale. Why should I sell my home for XXXX where we all lose? I have told them that we want to keep and pay on/off our loan. I have worked in the XXXX for 20+ and can not understand how a consumer could navigate this process. I finally gave up and now my payment has adjusted up another {$500.00} per month.
Product: Credit card

XXXX 's official store willingly or accidentally misleads customers into inadvertently opening a second credit. 


XXXX XX/XX/year>. 
I already have XXXX 's Goldman Sachs credit card, and, via the official apple store, I tried to finance an iphone using this card card. Their checkout process offers XXXX official " XXXX '' branded financing options and it is unclear that XXXX of them is with a new bank, " citizens XXXX ''. I accidentally selected the wrong " XXXX '' branded financing and accidentally opened a new card due to XXXX 's confusing website. 

XXXX XX/XX/year> I have since cancelled this order and XXXX says the account will be on my credit report as " closed ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked all three credit bureaus to do an thural verification on my credit report. I received letters stated everything was credit on my reports. I than did a thural research on my own and found multiple improper inaccuracies on my credit report even after the bureaus did a verification and stated it was correct. 

In accordance with the fair credit reporting act convergent accounts below listed 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 an account without my written instructions. 

Account name -XXXX account numberXXXX Account name - XXXX XXXX Account number XXXX Account name -XXXX Account numberXXXX Account name XXXX XXXX XXXX Account numberXXXX Account name-XXXX Account number XXXX Account name-XXXX XXXXXXXX Account number XXXX Account name XXXX Account number- XXXX Account nameXXXXXXXX Account number- XXXX Account name XXXX Account number- XXXX Account nameXXXX XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

I have submitted online disputes on my bankruptcy filing as it reached 7 years in 2024 and should have come off my report. Experian and Transunion stated that they concluded their investigation but will not remove the public record on my record which is illegal as public records are only supposed to stay on your report for 7 years.
Product: Credit reporting or other personal consumer reports

So I was shopping around to get the best offer from 2 companies USAA and XXXX XXXX. They should removed all hard inquiries except the last one before I bought the house with XXXX XXXX last XX/XX/year>. 
As per the actual credit report USAA and XXXX XXXX remove these hard inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX  on XXXX19. They had hard inquiries placed on my report repeatedly without my consent..The first was Capital One Auto Finance and the other was XXXX XXXX XXXX.They never said a word to me about either of the two .I dont even know how they did it if I wasnt there to agree to it.This one done on all 3 bureaus XXXX, XXXX, and XXXX..
Product: Credit reporting

I submitted XXXX my identity theft packet to Experian. Upon the XXXX submission, I was told by a representative of Experian that they did not believe the identity theft packet came from me and that I would need to resubmit it. The next day, I resubmitted the identity theft packet via overnight, certified mail and it was signed for by Experian. Upon calling in the next day, I was told by a representative that it was received and not yet processed. I called back in to Experian a week later to check the status to be told that the identity theft packet was never received and that I had been ill informed by the previous representative. I was encouraged to resubmit it again. Today, I did resubmit the identity theft packet online on their upload website. I made the request to have fraudulent accounts detailed in my police report blocked pursuant to the Fair Credit Reporting Act, Section 605B immediately. A month has passed since both prior submissions and Experian refuses to acknowledge or process my identity theft report and block fraudulent information negatively reporting on my credit report.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXXXXXX 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

To Whom It May Concern : Upon reviewing my credit report, I have identified some erroneous item ( s ) that require attention : 1. Violation 15 USC code 1681 ( a ) Congressional Findings and statement of purpose - consumer 's right of privacy XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. Violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. Violation 15 USC code 1681 ( a ) Congressional Findings and statement of purpose - consumer 's right of privacy XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. The status is incorrect for the following account XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XXXX AND XXXX OF 2023 I CONTACTED XXXX XXXX ABOUT INACCURATE CREDIT REPORTING. THEY HAVE FAILED TO REPORT THE ORIGINAL CREDITOR OR ACCOUNT NUMBER MAKING IT IMPOSSIBLE FOR ME TO VALIDATE THE DEBT AFTER THEY HAVE CHOSEN TO IGNORE MY REQUEST. THEY ARE REPORTING OUTSIDE OF COMPLIANCE AND HAVE EVEN LEFT SOME INFORMATION BLANK FILLED THAT SHOULD BE REPORTING COMPLETELY AND ACCURATELY. PLEASE HELP ME. ALL PARTIES HAVE FAILED TO PROTECT ME AND I READ YOUR ARTICLE WHERE YOU ARE READY TO HELP ALL CONSUMERS BEING TAKEN ADVANTAGE OF BY DEBT COLLECTORS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove these inquiries that these two companies have been putting on my report TransUnion and XXXX are the two worst one with no respect for consumers. I have called them several times to let them know how can I have inquiries when I am not even in the country, I spend most of my time overseas getting medical help because I am a XXXX XXXX XXXX XXXX. I sent them proof of my passport with the XXXX entry stamps so they can see and I also called and they said that they will remove those inquiries but still nothing has been done. They put freeze and fraud on your report without your consent just because that is the easier way for them to say that they are working versus actually doing their jobs and check the validity of an account. they keep deleting and then re-enter the same account back in your account which is gainst the law. If I had the money I would not waste my time complaining I would of just sue them because I know I would win. they are just shady making money on behalf of us consumers and they are also selling our credit file to other entities likeXXXX XXXX etc. that is against the law they need to be stopped.
Product: Debt collection

I disputed these medical collections in XX/XX/2018 and XX/XX/2018 and they came back with my personal information including my test results. I did not give the hospital permission to release my personal information such as specific treatment and etc outside or basic collecting information. Which is a HIPAA violation and a violation of the FCRA.
Product: Debt collection

Filing complaint against Merchants and Med Cr ( M & M Credit ) On  XXXX   XXXX ,  2017 I sent  a letter  to M & M Credit to request debt validation for item li sted on Credit Report as I have never done business with them nor have I ever heard of their company. In the letter, I requested several pieces of information to validate the debt ( see let ter )  The letter was sent via certified mail and arrived on  XXXX   XXXX ,    2017  at  XXXX  ( see documentation ).     I received a letter dated for  XXXX    XXXX ,2017  with a " bill '' that they claim that I owe. This " bill '' they sent looked like it was created online. I basically did not receive the information requested to validate debt.     On  XXXX   XXXX ,  2017 I  sent them another letter basically listing the above. I requested immediate removal if they were not able to provide requested documentation and asked them to respond within 15 days as the 30 day window originally provided has passed. ( Please see letter ). This letter was also sent via certified mail and arrived on  XXXX   XXXX ,  2017 a t  XXXX  ( see documentation ).     I still have not received a response back from  M & M  Credit. I pulled my credit report yesterday  X/XX/17    and they are still listing this debt that I have no idea of. Not only do I not recognize this company, but their reporting to the credit bureaus is completely inaccurate. Please see attached sheets from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised, Ive tried explaining to Equifax XXXX XXXX and XXXX. Ive been a victim of identity theft. Ive sent in multiple disputes asking for debt validation. Ive also sent in FTC report. Im being told its coming back verified. All of the following accounts are fraudulent. 
Ive never down business with these companies or entered into a written contract with these companies. 

1. XXXX XXXX acct # XXXX 2. XXXX Acct # XXXX ( {$2500.00}, {$240.00}, {$72.00}, ) 3. XXXX XXXX Acct # XXXX XXXX. XXXX acct # XXXX