23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mr.Cooper /Nationstar Nationstar has charge me double the escrow in my previous modification which made. my modification unaffordable. I have a document from their attorney XXXX XXXX as proof. Now they state I have reached my maximum modification but they were calculating it incorrectly. I have suffered from medical issues, loss wages and recvd a XXXX XXXX from XXXX XXXX.I have found employment and can now afford to pay but Mr.Cooper will not give me the modification i need to save my home. You can not count modification that have contributed to my hardship making it difficult to meet the payments and errors on their part.They charged me {$1600.00} and {$1700.00} amt of last two modifications. It is now XXXX per XXXX XXXX there attorney who found the discrepancy. I need someone to hold Mr.Cooper accountable for their actions and give me a modification or reinstate my loan as i owe more than home is worth.I was Injured, had XXXX out w/no pay, diagnosed w/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and and gov't put me in no pay status 6 months pending determination from doctors the removed me medically. I explained this hardship to Mortgage when i applied for a forbearance through Community Link/NC Foreclosure Prevention summerXX/XX/XXXX. They denied forebarance and never informed me when i called regarding fall XX/XX/XXXX modification application the told me they treat forebarance like modification and denied me. 
I wouldn't be so far behind had they calculated my modifications correctly. 
In addition, the investor XXXX wants me to pay {$15000.00} then XXXX a month for 6 months the mortgage of {$1200.00}. to get modification. Ridiculous! The other two investors agreed to give me a modification. 
If you have any questions regarding the investor 's please feel free to contact The reinstatement Program at XXXX ext XXXX XXXX he is trying to assist me with the modification. I received a sale date of XX/XX/XXXX two days ago while XXXX   was communicating with last investor. 
Please help me.I am a single mother and I want to keep my home. 

Thank You XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Debt collection

I received a fraudulent debt collection letter from XXXX XXXX, owner of Merchants Financial Guardian , Inc. ( XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX / XXXX XXXX XXXX, XXXX, CA XXXX / ( XXXX ) XXXX. XXXX XXXX apparently found my address online and assumed I was the " XXXX XXXX '' who used to work for the debtor 's company : XXXX XXXX XXXX XXXX ( There are approx. XXXX " XXXX XXXX '' in XXXX California and I believe this collector has send all of them the same letter- which is illegal ). This is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits a debt collector from informing third parties of a consumers debt. I have worked for the XXXX XXXX XXXX XXXX as a XXXX XXXX for the past XXXX XXXX and have never worked for XXXX XXXX XXXX XXXX. I researched the debtors corporation and there is an agent for service in XXXX XXXX. The creditor is XXXX XXXX XXXX XXXX XXXX, and I have never heard of this corporation either. The collections letter is demanding I pay {$55000.00}. I am sending a letter to XXXX XXXX, the debt collector, informing him of his mistake - by certified mail to both his physical address and his post office box. I discovered by my research that the owner of the debtors corporation ( XXXX XXXX XXXX XXXX ), XXXX XXXX, is deceased and his widow received the same collections letter. I spoke to XXXX XXXX XXXX and she confirmed that a " XXXX XXXX '' used to work for her deceased husband but that HE doesn't owe this debt. In fact, the XXXX XXXX didn't believe SHE owes this debt either. I have checked with XXXX, XXXX, and XXXX and XXXX XXXX has not taken any action against my credit report... yet. I want XXXX XXXX to be aware of his violations and that he be held to account for his actions. He clearly doesn't understand how to LEGALLY collect debts. 

XXXX XXXX of Merchants Financial Guardian , Inc. has violated the following sections of the Fair Debt Collection Practices Act : 15 USC 1692b 804 ( 2 ) ; 15 USC 1692c 805 ( a ) ( b ) ; 15 USC 1692e 807 ( 5 )
Product: Checking or savings account

My name was XXXX XXXX XXXX. I did a legal name change via the courts ( I have documents and proof ) and I updated with the social security office. 


My name is now XXXX XXXX XXXX XXXX I made a new cash app account. When I try to add my phone number, it says that it is linked too many accounts. I then tried to sign in with my phone number to delete the old account and it says, " you can not sign in, your number is linked to too many accounts ''. 

My number is ( XXXX ) XXXX, I need my number connected to my new account and removed from the old account. 

new cash apXXXX XXXX XXXXXXXX
Product: Debt collection

Pioneer Collection Recovery contacted me about a neighbor of mine, XXXX XXXX? Left a voicemail and asked me tor return a call and gave me a reference number. Clearly by the name of their business I knew they were trying to get me to somehow give contact information for XXXX or something of that nature. Called them back at XXXX with reference number XXXX. Told them to not contact me again, and shared a few choice words about what I think they 're doing. I am not sure if this meets the guidelines for unethical practices, but calling neighbors is just low.
Product: Credit reporting or other personal consumer reports

I was shocked to see that incorrect accounts appeared on my credit report this morning, and I have no idea how they got there. I check my report regularly, but this time, there were mistakes that came out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but the errors remained. The wrong accounts didnt disappear. Im really upset about this and Im asking that the documents Ive provided be thoroughly reviewed so I can stop worrying about this happening again.
Product: Debt collection

Found multiple incorrect accounts on my credit report that I didnt authorizerequesting immediate removal.
Product: Credit reporting or other personal consumer reports

DILLARDSMASTERCARD/CBNA has committed Aggravated Identity Theft pursuant to 18 USC 1028 A. Dillard 's has transferred account # XXXX to CITI BANK a means of identification of me without lawful authority. An identification of me has been used without my permission that has damage my reputation and my mode of living. CITIBANK are reporting an fraudulent account that arose from IDENTITY THEFT to the XXXXedit Reporting Agencies which they did not verify as required by law on my consumer report. CITIBANK received Certified Mail Receipt of the Identity Theft Report on XX/XX/year> and XXXX received Certified Mail Receipt the Identity Theft Report on XX/XX/year>.
Product: Debt collection

I XXXX XXXX want to file a complaint about Nationwide Credit Inc.

We had a home equity line of credit junior lein on our home. This loan was sent to Nationwide from XXXX loan services. 
I found out the account was with Nationwide after calling XXXX one night to get status on a modification application.

I contacted Nationwide and explained they have the account by mistake and can they contact XXXX. Nationwide refused to contact XXXX and they sent me this collection letter they said. I never saw this letter till XXXX produced it for me to see. 
I explained to Nationwide we want to keep this home and can they work with us.

Went over with Nationwide why we defaulted on the loan due to medical bills in our family that we're large.

The representative of Nationwide tried to get me to pay a small about of the loan like {$200.00} each month. I told him I would not as the loan was {$100000.00} and {$200.00} a month would not cover the loan. 
The statute of limitations had passed and he was trying to get me to pay to restart the statute. We were still current on the first lein and still asked Nationwide to contact XXXX about this as we want to keep this home. This is our family home. 
Nationwide rep informed me we have nothing to do with XXXX and only collect for them. The representative told me to submit application of hardship and submit pay stubs medical bills and our monthly living expenses.This was done twice and Nationwide rejected the application stating there was equity in our home. 
We could not afford to pay the lein and made a decision to sell the home as we went from perfect credit to bad and not even able to get a loan for a new car. 
We sold in 2017 and last year I was informed by a friend that XXXX XXXX XXXX owned Nationwide at the time I was dealing with them. The nationwide rep was untruthful and led us to believe they had no connection with XXXX. 
Nationwide and XXXX got paid when we sold the home. We fought for four years with Nationwide with no success. 
There was a program in place from the federal government if your first mortgage in modified they need to modify the second this is what we were looking for so we could keep our family home. 
Nationwide were deceitful.

I would like to hear what the Nationwide management has to say about this. 
Respectfully, XXXX XXXX
Product: Bank account or service

To whom it may concern, U.S bank charged me for overdraft fees and are refusing to return them. I was on the phone with a banker on Monday XXXX XXXX at XXXX Pacific time. My account was not overdrawn and everything was well! On Tuesday XXXX XXXX, I received a call from the XXXX branch, checked my checking account and I have XXXX consecutive overdraft fees for funds that had not been processed the day before even though less than 24 hours before then my pending balances were evened out by the balance available. I went in to talk with them and I was told I can only get XXXX refund. This is not the first time something like this has happened but seriously this time has got to be the worst I have felt ( primarily because my XXXX other accounts with them had more than enough cash!!! ). This is such a rip off, their customer service representatives take no action towards this ( and apparently are not allowed to ) and honestly as petty as this sounds I am flabbergasted at how much this institution 's restrictions and process prove to be incompetent at times. If you know that your bank processes weekend charges much later than other banks then you also should delay on charging overdraft fees instead of ruining people 's financial planning.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I spoke with a TransUnion representative who stated that by XXXX the inaccurate Bankruptcy that TransUnion is reporting would be removed by today XXXX XX/XX/XXXX. I called today to follow-up because TransUnion continue to report this inaccuracies after being provide proof of the inaccuracies. I was told today that the bankruptcy would not be removed until XXXX. I stated to the agent that that's incorrect and that I was told that this bankruptcy would be removed by today XX/XX/XXXX. I asked to speak to the supervisor and explain to him what was going on and what was told to me on Friday. The supervisor proceeded to lie and state that the court house verify the information. I can provide a letter that has been provide to TransUnion several times stated that the court does not report to the credit agencies, and because they don't report can you ask TransUnion what court that they are getting this fraudulent information verify with. TransUnion continue to report this bankruptcy of my credit file to damage my credit worthiness and to ruin my reputation. TransUnion is attempting to bully me as a consumer to give up with the dispute process of them reporting inaccurate information. Under the FCRA, I has the right to : Request a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. TransUnion continue to state that the court has verified this said bankruptcy. I have attacked a letter from the court stating that they don't report.
Product: Credit card or prepaid card

I have over 50 pages ( estimate ) of data including times, dates, events. The following is a very brief explanation. 
XX/XX/XXXX = discovered account drained to under {$1.00} due to multiple fraudulent charges. Called Direct Express 3 times this day. Advised I need time to review all records. Requested account statements via mail and Charge Dispute documents via mail. 
XX/XX/XXXX = file online crime reports with local law and IDTHEFT.GOV XX/XX/XXXX = received account statements but not dispute packet XX/XX/XXXX = XX/XX/XXXX = received letter and " Questionnaire of Fraud '' dated XX/XX/XXXX XX/XX/XXXX = us mail Questionnaire and highlighted charges on each monthly statement XX/XX/XXXX = Direct Express ( D.Ex ) received my Questionnaire and evidence XX/XX/XXXX = received prefabricated letter ( other people got the same verbiage / letter ) Case Closed dated XX/XX/XXXX ( clear and repeated action by Direct Express to deny Provisional Credit required by law ). 
XX/XX/XXXX - Current = Fraud continued and D.Ex sent multiple new cards to fraudulent address or addresses. I have not had access to my new funds ( Post-Fraud benefit deposits ) since the middle of XX/XX/XXXX. D.Ex charged me fees over {$55.00} for all the Fraudulent cards they sent to the perpetrator ( s ). I have sent multiple faxes and Certified Mail ( got lost or was rejected ). Online research shows hundreds of people having nearly identical experience and lack of adherence to the law by Direct Express / Comerica Bank. No warning of possible fraud, no Provisional Credit. no confirmation or updates about a " Fair Hearing '' investigation, no responses to my evidence or attempts to contact. They won't divulge their email address or other phone numbers and their automated phone system is clearly designed to impede attempts to communicate with any department at both Direct Express ( contractor ) and Comerica Bank. 

Here is what should be done : First, admit to knowing about cases such as mine dating back to XX/XX/XXXX where there was no protection of funds, no actual investigation leading to denial of Provisional Credit, and insufficient or no effort by Direct Express / Comerica Bank to protect funds after being notified of fraud by account holders. Second, change business practices related to the years of repeated complaints by thousands of people. Third, refund all money in accord to the Provisional Credit law. Finally, send apology letters to all the people harmed by your actions and lack of actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 9 accounts that are not mine I have disputed these accounts with the bureaus and I have not heard anything back. Since XX/XX/2020 I have sent out multiple disputes and still nothing. I need to have these taken care of since this is identity theft and I don't need some random accounts on my credit. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX  Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Debt collection

sent over 20 emails asking for verification of debt from this company. i have never had an account with XXXX!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$3700.00} I request in the past that you update my information on this account with accuracy, as of today you have not done so, it's been over 90 days and still no resolution on this account. The payment history of XXXX is not correct you have dates late where I was current such as XX/XX/XXXX, and you have no payment history for XXXX, you have not provided any proof that information you provided is correct other than the data furnisher with is not actual proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023.
Product: Checking or savings account

ACH transactions that I did not authorize. 

All happened on XX/XX/XXXX XXXX XXXX : XXXX XXXX I D XXXX indn. Dr XXXX XXXX XXXX XXXX ID XXXX ccd for {$110.00} XXXX XXXX-Web PMTS ID- XXXX indnXXXX XXXX   ID : XXXX web. for {$370.00} XXXX XXXX XXXX : Bill Payment ID XXXX indn : XXXX XXXX Co id : XXXX tel for {$6900.00}
Product: Debt collection

I received notification form XXXX  that a new collection was added to my report as of XX/XX/2018 from XXXX XXXX XXXX for over XXXX for XXXX XXXX. I have never had any services with XXXX XXXX. I was not sent any info in regards to this which gives me a chance to validate and dispute this debt which is against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, * XXXX, XXXX AND EQUIFAX have violated my consumer rights.

15 U.S.C 1681 Sec 602 A : States I have the right to Privacy.

15 U.S.C 1681 Sec 604 A. Sec 2 : Also states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S CODE 1692c ( a ) Communication with the consumer generally 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.

I have never given prior consent or have any contractual agreements with any of these creditors agreeing to report misleading representations of myself, the consumer. Please ensure the creditors and credit reporting agencies correct all errors relating to payment history, late payments, for I have never once consented to any such terms of agreement. Please provide the signed contract validating each and every one of the unauthorized inquiries.

If no documentation bearing my wet signature can be presented with your response as verifiable proof, Than i insist you remove all unauthorized inquiries. Thank you!
Product: Credit card or prepaid card

In XX/XX/XXXX, I was charged a {$5.00} fee on my credit card for a cash advance I did not request through my bank. Then again in XX/XX/XXXX for the same amount and description. I went to my local branch to ask why I was getting charged for a service I never requested and was asked if I had asked for a cash advance or used my credit card in an ATM to take out cash, which I had not. I was ultimately told that I can not do anything about the charges on my credit card because it's the merchants fault by how they " charge '' my credit card and the next time I make a purchase I should be told if they will charge it as a cash advance or to ask them how they will charge my card, but even then they won't always know what I mean. Therefore, I am being charged for a service that I never requested and I can not do anything about it.
Product: Debt collection

I don't recognize this debt that showed up on my fico score on my XXXX XXXX XXXX card
Product: Mortgage

I am buying a home via a loan assumption of a FHA XXXX loan in XXXX Nebraska. I paid an earnest deposit of {$5000.00} and a {$900.00} assumption fee along with a credit check fee. The contract/purchase agreement was signed on XX/XX/23 and the closing date of XX/XX/23 was set. US Bank is in control of the loan. They have been provided with all necessary information within 48 hours of request. Some documentation has been provided repeatedly as it's viable time frame had expired because of the lengthy time this has taken. I have repeatedly inquired as to why this is taking so long and have been told that it might be better to obtain conventional financing. I believe that US Bank simply wants this low interest loan to " go away '' and this is a tactic to get me to give up. The current hold up is getting my tax transcripts from XXXX. I was told that it may take 5-6 weeks. Tomorrow it will be 7 weeks. I have sent them copies of my tax returns and even copies of the transcripts, but these have been deemed unacceptable. 
In addition to the inconvenience this has caused me, the seller has moved and has made double payments. She has since stopped paying and now there is potential for the house to go into for closure. Anything that can be done to help this situation is greatly appreciated.
Product: Credit reporting

Tax lien {$2600.00} Status Unreleased XXXX XXXX XXXX XXXX {$10000.00} Unsatisfied were both discharged through bankruptcy XXXX XXXX 2016 but still show on my Equifax & XXXX Credit Report. I am trying to get a mortgage loan but need this cleaned up. It took me several days to finally be able to report the disputes. I still can not access my free credit report from Equifax. I had no problem with XXXX, it was resolved in less than 12 hours. I have a XXXX son living on the streets that I need to help with housing. It is vital that the credit reports are cleaned up as soon as possible.