23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In Nationstar 's response to my complaints to the CFPB, they cited repayment plans offered to us on XXXX, and XXXX. The XXXX 2014 plan split the one month that we were behind into XXXX payments of {$1100.00} to be added to our regular mortgage payment of {$2300.00} for a total of {$3500.00} for two months. The XXXX 2014 plan was to split the one month behind into XXXX payments of {$760.00} to be added to our regular payment which would have resulted in XXXX payments of {$3100.00}. In my first complaint to the CFPB, case number XXXX, I stated that " The only plans Nationstar offered were plans that we could not afford. However, in their response to me and the CFPB, Nationstar invoked said unaffordable plans in an attempt to defend their stance that they had offered assistance to us, when in reality they offered nothing. At the end of the aforementioned response that Nationstar sent, a telephone number was included for " XXXX XXXX '' from the " XXXX ''. ( XXXX ) My husband attempted to call this " person '', from Nationstar 's home office in " Texas '', and was re-directed to the XXXX. This is always the case with Nationstar. Whenever we attempt to contact them we are connected to the XXXX, and more often than not -- we are forced to speak with people who are -- for the most part -- unintelligeble to due their thick accents. When asked this morning to be connected to " XXXX XXXX '', we were told that no such person nor extension existed -- however we could be helped by the agent who answered the phone. When we asked the agent what office he was speaking to us from, he stated that it was an " offshore location ''. We asked which offshore country? He evaded our question for as long as he could before he finally admitted he was speaking to us from the XXXX. Again -- MUCH, MUCH MORE OFTEN THAN NOT, THIS IS THE CASE. We like thousands of others across the XXXX -- based on what we have read in the newspapers and on the internet -- think that the Texas address for Nationstar is a shill for the real headquarters, which we believe is in the XXXX. If this is the case -- ours, as well as thousands of other American mortgages -- are in the hands of a foreign country. Perhaps this is the reason Nationstar is unwilling to assist its American customers. To deny us assistance in making our mortage payments more affordable, it serves -- in the long run -- to further weaken the American economy.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting a creditor on my account twice ( XXXX XXXX XXXX never had such account ) and is violating my consumer right without providing proof of executed agreements from when the account was opened nor additional proof that this account belongs to me. Not sure if this was investigated correctly, but I am looking for help to remove these two inaccurate duplicated account from my credit profile.
Product: Mortgage

I started a refinance of my current loan with Quicken Loans/Rocket Mortgage in XXXX of 2020. On a monitored and recorded line the loan officer XXXX XXXX NMLS # XXXX stated I would receive a rate of 2.99 % with total closing costs of {$8500.00} and it would take a total of 90-120 days to close. I authorized Quicken to take a {$500.00} deposit. After receiving conditional approval for the loan, the terms of the loan drastically changed. The closing costs tripled and the rate was only locked for 60 days when XXXX stated on a monitored and recorded line the loan would take 90-120 days to close. I tried to work this out amicably but Quicken refused to honor the original agreement or refund the {$500.00} deposit. Unfortunately, there is no way for them to undo the hard credit inquiry that will stay on my credit for two years.
Product: Debt collection

Midland Credit Management contacted me at on XXXX/XXXX/2015 at XXXX to collect a debt owed by a XXXX XXXX. I was disconnected XXXX times this XXXX after requesting to speak with a manager or supervisor to address this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

4. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/2019 This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine.
Product: Mortgage

I bought my house in SC in XX/XX/XXXX with an FHA loan transferred from my original lender to Planet Home Lending. In XX/XX/XXXX, I got sick, which caused me to lose my job. I receive XXXX XXXX benefits, so I do have a small income. I was optimistic that I would find other work when I was back on my feet, so I continued to make my mortgage payments on time. Unfortunately, I utilized credit cards for different needs when funds ran low, and in XXXX of XXXX, when I still did not have a job, I applied for forbearance with my mortgage company. At the time of forbearance approval, I had not missed or delayed any payments since I bought the house. I was approved for forbearance extensions, and then the mortgage company issued a notice to accelerate on XX/XX/XXXX, with XX/XX/XXXX as the last day to pay the total amount owed. I spoke with someone in loss mitigation who advised me to fill out a homeowners assistance application on their website. I completed my application and uploaded all requested documentation to the online portal on XX/XX/XXXX. I got a notice on XX/XX/XXXX that, upon quick review, my application appeared complete and that I was protected from foreclosure proceedings while under review. On XX/XX/XXXX, I received a request for more documents with a due date of XX/XX/XXXX in order to prevent my application from being denied. I had all requested documents uploaded to the online portal by XX/XX/XXXX and have a screenshot showing the exact time and date. I did not hear or receive anything from them until I was served foreclosure papers in XXXX. 

I was under the impression that they must let me know in writing if an application for assistance is denied. I called to find out the problem, and they claimed they did not receive my documents from XX/XX/XXXX. Eventually, they quit claiming they weren't received when I sent them the screenshot showing when everything was uploaded. In XXXX, I was told that my application was going back to the underwriters for review so that foreclosure proceedings would be paused. Toward the end of XXXX, I began asking about the possibility of taking advantage of the new Partial Claim and Loan supplement program that was being launched on XX/XX/XXXX. I was denied the opportunity to speak with someone about it and told that no such thing existed. In my last two conversations with them, they admitted to me that foreclosure proceedings were initiated on XX/XX/XXXX, six days after I submitted everything and still one week before the due date. In my most recent conversation, I was told that the foreclosure was not filed wrongly because it was past the XX/XX/XXXX deadline, even though I had a complete application submitted. I got a notice last week that a hearing will be on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

RE : " XXXX '' ( at the present time, Chase NOT is willing to accept responsibility for what's happened to me ). 

I am currently customer of JP Morgan Chase. On XX/XX/2022, I was informed [ by phone ] by XXXX people identifying themselves as " XXXX  XXXX XXXX '', that my personal info was stolen, and that someone attempted to siphon monies from my Chase  acct using XXXX. To " reverse '' this theft, I was advised to add " Payment Cancellation '' to my Receipt list on XXXX, and then " send '' {$380.00} in order to cancel the payment ( pls note-the scam was ALOT more sophisticated than what I'm able to describe here ). By the time I did realize it was a scam, I " XXXX  '' {$380.00} to a PERSON named, " XXXX XXXX ''. What's important here, is that a bank ALLOWED someone to open an acct with the name " XXXX XXXX ''. I was later told by a XXXX rep that this was a common problem of theirs, and, whoever opened the account, quickly closed it after withdrawing my funds. But I was informed by XXXX  XXXX that, since Chase is my bank, it is they who are responsible, and not XXXX  XXXX XXXX. Nevertheless, to date Chase has refused to accept ANY responsibility. 

Please see further info, below : XXXX XXXX Chase  Claim # XXXX XXXX  Claim # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed multiple inquiries on my report that I dont recognize
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I emailed a cl add ( XXXX ) about buying tickets for the world series game and left my phone number in the message. The guy text me and I called him back. After speaking to him ( XXXX XXXX XXXX ) and him sending me the XXXX confirmation email for his purchase of the tickets, he said he would transfer in my name once he was paid. He said to XXXX him through friends and family and he gave me his XXXX address. I went ahead and sent him the {$2000.00} for 2 tickets. XXXX ended up blocking his account. Him and I went back and forth in text messages, phone calls, and 3-way with XXXX to get my money back from XXXX. I was assuming this was all legitimate since we spoke on phone and texts continually throughout the day. He asked me to pay him through XXXX since XXXX did n't work, so he could get the tickets over to me immediately so I ended up paying with XXXX a total of {$2100.00} with my credit card. XXXX called and text me stating he was headed to pick money up. I text him about 30 minutes later stating where 's my ticket information so I could print them out. I also called him and he said he was having issues with XXXX because he bought them with XXXX which closed his account. XXXX told me if he could not get them to fix the issue he would just refund my money, but to give him time cause he was on the phone. I kept texting him stating he was making NO sense about what he was telling me. After we got off phone I decided I was NOT going to deal with this and I just wanted a refund so I text him this. He text me back stating he would know if I could pick up tickets at the window by XXXX XXXX. I continued to call and text him all night about sending my money back and he refused to answer. I then called XXXX myself around XXXX XXXX and found out it was all a fraud transaction. I continued to text XXXX with no response throughout the night and into the morning with no response. I then contacted XXXX after XXXX XXXX hearing nothing from XXXX and reported fraud to XXXX. I also contacted the police dept in XXXX Nv where he picked up the money at the local XXXX and they said to file report in my home town which I did so immediately. Detective XXXX said nothing could be done about this transaction. XXXX has said nothing could be done about this transaction. I have since received a text from a XXXX stating XXXX that XXXX is in a coma. I told him XXXX needs to pay me my money back immediately and to call the detective
Product: Debt collection

Portfolio recovery and associates is in violation of FDCPA rules section 809 ( b ). 

After reviewing several documents sent to me by the company I've noticed multiple inaccuracies, of which violates federal laws : The company did not send original : documents/ letter notifying me of debt owed : The company did not provide documentation of why they believe this debt was owed by me. 

: The company can not confirm last date of activity/ payment received. 

: The company has not provided as requested license/ identification number to collect a debt in my state of Florida : The company has not provided documents of which may prove that debt can no longer be collected in my state of Florida .
Product: Money transfer, virtual currency, or money service

XXXX haven been a user at XXXX since XXXX, and I happen to use their service after successfully verified with all documents requested, then it happened that I had no access to my cellphone for a long time but requested for a withdrawal after I gained access to a cellphone again around XXXX, they requested for documents from the card I had on file but it was closed over the years which I explained to XXXX, after a long time I was granted an alternative for verification which I passed, but still cant withdraw my money, I got tired and had to write to them again this XXXX  ( XXXX ) and after series of verification requested they keep on asking for me verification and at this point I feel XXXX is feeling reluctant to release my funds but regardless I keep writing to them but in the end they send a message saying ( Hello XXXX, Thank you for patiently waiting for our response. 

I am sorry to tell you, but due to the decision of our XXXX XXXX, we are not able to provide you with our services anymore. Since we are working in accordance with strict XXXX rules, the decision can not be appealed in any way and the details can not be disclosed. 

All subsequent inquiries about your case will be accepted only from a representative of the official state structure ( an official government agency/authorities ). With that said, we will do everything in our power to facilitate them in the process. You can have them reach us directly with a formal information retrieval request, so we can share any sensitive information. Pay attention that requests sent by individuals simply will not be processed. 

Thank you for understanding in this matter XXXX regards! ) please I need help to get my funds withdrawn
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a collection account was added to my credit report for all 3 bureaus from a company call XXXX XXXX XXXX for the amount of {$410.00} regarding Arizona XXXX XXXX as the original company. I was never notified of this debt, I have o knowledge of owing anything to this company, and I have never recieved any paper work, bills, statements, letters or a phone call for a debt they say is two years old. I immediately called XXXX XXXX XXXX on the day it was added to my 3 credit reports and requested all proof of debt and any documents they have showing this debt is mine. I was asked to provide them with supporting documents. I do not have any documents because this debt is not mine. They will not remove this innacurate information from all XXXX of my credit reports. They can not provide any proof to me about anything related to this amount due and are damaging my credit score. I have recieved no resolution from the 3 credit agencies that I reported this innacurate debt to. Why all of the sudden after a supposed 2 year period did this debt come to light out of nowhere. I find it hard to believe it took two years to finally hit my credit. It is innacurate and the debt does not belong to me. I would like the collection removed from all 3 of my credit reports. Tha k you for any assistance.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to a lagged posing of charges and credits. This issue aligns with the recent CfPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances these practices are unfair, and request an investigation into my account transactions.
Product: Checking or savings account

The bank blocks/ restricts certain apps such as transferring money. This shouldnt be allowed to restrict me from using or transferring money easily.
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.XXXX account ( XXXX XXXX XXXX  docket # XXXX ( XXXX ) XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX acct # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  acct # XXXX ( XXXX ) XXXX ( XXXX ) XXXX violated my rights. 

15USC1681 section602 ( a ) states i have the right yo privacy.

15 USC section 604 ( a ) states a consumer reporting agency can not furnish an account without my written consent or instructions.

15USC 1681 ( 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 conviction which antedates the report by more than 7 years 15 USC1681 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: Debt collection

I, XXXX XXXX XXXX recently reviewed my XXXX credit report after receiving a notification of a new account on XXXX, XXXX  and immediately noticed a company called Amerifinancial Solutions LLC since changed name from XXXX which I did not recognize, give consent or any authorization. I also noticed on my credit report this line item : Loan Type : Collection Agency/Attorney. I immediately felt like I was under arrest and experienced feelings of distress and harassment. Next, I reached out to the company to validate the alleged amount owed, advised to cease and desist all collection activities until proof of validation, any contract or business associate agreement with original creditor, license to do business in my state and all account details of the transaction or alleged services received via certified mail delivered on XX/XX/. I also asked Amerifinancial Solutions LLC to confirm how they received my information. On XX/XX/XXXX I only received a letter from Amerifinancial Solutions LLC which stated XXXX XXXX XXXX, PA was their client and had provided a itemized statement. Amerifinancial Solutions LLC misrepresented a fictious client relationship and created a deception that XXXX XXXX XXXX PA is their client when in fact this alleged amount is not being pursued by the original creditor. Further, listing tradeline as an Attorney ( loan type ) when in fact there is no intent to pursue legally and creating further deception and representation. Other inaccuracies are present on my credit report as well. Further, Amerifinancial Solutions LLC did not confirm any HIPAA business associate agreement involving XXXX. Somehow they have falsely received detailed information about my health and medical history. Which I consider as identity theft, misrepresentation, deceptive and outright violations of the US code.
Product: Credit reporting or other personal consumer reports

They have the information that I reported as identity theft when I was sent to collection by XXXX. I thought this was resolved, but they still have the XXXX, Mississippi address that has NEVER been mine. They have also now added a XXXX XXXX ( I am XXXX XXXX XXXX XXXX, also not me. They don't take responsibility for the errors and it is very frustrating. Feel free to contact me by my landline if it helps. XXXX XXXX
Product: Mortgage

I have a 30 year mortgage for a home XXXX with Wells Fargo after we refinanced in XXXX to get out of an adjustable arm loan. My husband and are both XXXX we were XXXX and came down on orders as a Permanent Change of duty station XXXX and had to relocate upon return in XXXX. We had several renters till XXXX and the last renters abondoned the house and left it unliveable and infested with roaches .... we could not afford to pay for our family to live here and also pay a mortgage without the extra income from a renter becuse we had our XXXX child in XXXX XXXX. We decided the best way to go was a short sale so we had the house cleaned thouroughly and had an exterminator come and prepare the house for sale and got a Realator. We have had many offers come in for what wellsfargo was asking but they kept coming back with denials through the mail with no reason on why and when i would ask for why in writing was told whats on the letter is all i was entitled to knowing .... This was just the first year ... .. then the 2nd year they would actually give some explanation to the realator. It would get fixed and we would still get denied with a new different reason that was not mentioned before .... all the time this is going on I kept having a squatter breaking in the home and trashing the house ... a storm passed through ripping siding off ... and so you can guess what the 3rd reason was it was being upkept ... .. so we went and corrected the issues again .... we wouldnt be having this issue if the house would have been approved by now ... So this last request we submitted we felt like everything was finally going smooth communication was getting better and we were waiting on approval my realator gets an email from the negotiator stating she was no longer going to be working in that section anymore and that someone new would contact her in 48 hours ... No one replied to my realator she had to email several people and call people to get a new one who is making us restart the whole process over again with no denial just start because now its a new negotiator ... There is soon I will be the only source of income in to our household due to te Armys new XXXX or downsizing with the exception of unemployment and XXXX dollars my husband will recieve a month. We will be struggling with just this gousehold let alone the house XXXX. We have been trying to do whats right and sell the house versus do a forclosure or do a bankrupcty. This has a been a nightmare it has already caused me alot of stress to be in this situation but for this to drag out for 2 years and we are at block XXXX again. I REALLY NEED ASSISTANCE ... This is really unfair I feel like because we are going through a Hardship and have to use this option Wells Fargo is punishing us my family by dragging this out and not working with us and are acting with prejudice or they are just waiting for a sale date so they dont have to assist and sell this house the buyers want the house!!!!
Product: Consumer Loan

i got a car loan from santander usa cosumer in XXXX have paid over XXXX to the interest and nothing towards the principal., they have reported to the credit breau that i owe XXXX on my truck, i have seen so many bad reviews on santander, I am no longet giving them any more money, its no way the interest is more than the loan.