23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hi my name is XXXX XXXX, I live in XXXX California. I have a loan with NationStar Mortgage and iver been trying to get a loan modification from them for some time now. I have gave them all requested documentation and I have a sale sate scheduled for this property on XXXX XXXX, 2015. I 'm worried that they will not postpone the sale date due to some odd regulation they might make up on the way to just sell my home. I do n't know how much longer I will have to be working with them to receive a loan modification. Please help me to receive a good modification for my home so that I could pay my mortgage and not live on a stressful day to day basis with the foreclosures. 
I really want to work with them and I want them to do the same. I do not want them to play games and give me a loan modification that will be higher then what I used to pay before. ( It seems as though that 's what every company is giving out these days. My friends complaint about this issue too and im really hoping that we can get this resolved. 
Please help with the sale date its very close. 
Thank you for your time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX This account is listed inaccurately amongst all XXXX credit bureaus. The " Date of Last Activity '' is showing a different date each for Experian, XXXX and XXXX. Under 15 U.S.C. 1681i Paragraph ( 5 ) 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.

This hurting my credit profile and is a violation of my consumer rights. Please delete this account immediately.
Product: Debt collection

XXXX XXXX XXXX XXXX has repeatedly sent mailing notices about an alleged debt. I have received multiple mailings over the last few years. I recently started to keep them. The notices also, state they can not sue me but will continue to effect my credit until I pay them. 
Dates of their letters : XXXX XXXX XXXX XXXX XXXX I also have a letter from when they tried to sue me, but it was dismissed. 

I sent validation letters to the credit bureaus asking them to send proof/ validation of debt, I have yet to receive any sufficient proof of debt. They also failed to remove the information from my credit report during the " investigation process '' while trying to validate my debt. 
They have provided no substantial proof of debt. Nothing with a signature, contract or any other information that states I owe this company any money. These actions were taken over the last few year and I do not have dates for these letters. I did not know I was suppose to keep track of this information. But I'm sure they have record of the disputes on file. 

The alleged debt amount is {$2300.00}.
Product: Debt collection

The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you. 

The FDCPA covers the collection of debts that are primarily for personal, family, or household purposes. It doesnt cover business debts, and it also doesnt generally cover collection by the original creditor or business you owed money to. Under this rule, a debt collector is presumed to violate federal law if it places telephone calls to a particular person in connection with the collection of a particular debt in either of the following circumstances. The collector calls more than seven times within seven consecutive days. Calling and emailing. The harassment is over the top
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report currently shows 2 charged off accounts from XXXX XXXX XXXX. They were both included in my Chapter XXXX Bankruptcy filing on XX/XX/19 and subsequently discharged on XX/XX/2019. I have numerous times disputed the fact that they are not reporting correctly. Per my bankruptcy attorney they should be reporting Closed, {$0.00} balance, discharged in chapter XXXX  bankruptcy. Instead they are reporting as as a collect/chargoff and transferred to another lender. I've provided proof of my filing and discharge. I've reached out to both the company and the credit bureau. The credit bureau continues to find that this status is valid regardless of proof otherwise. I'm VERY confused as to what they are doing to validate this, since I have proof it was discharged.
Product: Credit card or prepaid card

Many years ago we transferred a balance to our Citi card with an offer that had an Annual Percentage Rate ( APR ) of 4.99 % which would last until the balance  was paid in full. We have been steadily paying the minimum each month and have never been late. We moved to a new town in XXXX XXXX and switched banks. Since we were using XXXX we changed the XXXX to our new bank. Instead of taking out just the minimum payment like Citi has always done for many years, they took out {$5200.00} from our new checking account on XXXX/XXXX/XXXX. We were in the process of selling our house and buying another one. It was nerve wrecking to suddenly have over {$5000.00} gone from our account. After many phone calls and lots of promises ( " yes we see the problem, we have to talk to this person up higher, etc. " ), we got our money back on XXXX/XXXX/XXXX and the balance was returned to the card with the promise that the interest rate would still be 4.99 %. They lied. The next statement and all since have been 18.99 %. We have called them every month. They say they will fix it every month. We have to go through the whole story each time we call. They refund the exorbitant interest then add it on the next month which makes our payment more than twice it should be. Can you please get them to honor the 4.99 % which they gave me in the first place ( I have a paper dated XXXX XXXX, XXXX that says they will honor it again, they just have n't done what it says ) and can you get them to fix their computers so that my statement will reflect this and quit charging me an 18 % interest. It makes no sense to have to call twice a month to have interest refunded, once to explain what went wrong and again to make sure it was done. Then we have to wait until the statement comes out to see that it was n't done again.
Product: Mortgage

Select portfolios are attempting to foreclose on my property with fraudulent assignments that have been robo signed they have failed to respond to my QWR and my debt validation notices dated XXXX  of XXXXthey offered a preditory modification which gave me a XXXX balloon payment and a mortgage payment that went from XXXX to nearly 1900also XX/XX/XXXX I filed an affidavit of notice in XXXX county due to various elements of fraud misrepresentation and deceptive practices I revoked the power of attorney from XXXX XXXX and the home equity asset tust XX/XX/XXXX-5 holders for it is unconstitutional everyone has a right to due process of law.I stand on the 14th amendment and Article V. I don't want my home to be sold on the courthouse steps with do process of law. I demand a jury of my peers to make the decision. 
I want a judicial foreclosure because of all of the fraudulent assignments and other deceptive practices
Product: Credit card or prepaid card

company refuses to permanently reverse reported fraud charges even after providing identity theft report and informing of fraudulent accounts being opened under name
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to my credit report and scores I have been unable to receive or view my information. I have contacted Equifax more than 6 times over the course of 2 years with letters and phone calls to the Equifax. Equifax has caused me to be unable to get jobs, a car, loans, and housing due to this issue. Equifax has not provided me any help or explanation to why i cant see or receive my report and score.
Product: Credit card or prepaid card

navy fe deral allowed my account to be compromised TWICE!!
Product: Credit reporting or other personal consumer reports

I received a credit report XX/XX/XXXX I requested a new credit report, via us mail shortly after XX/XX/XXXX - No response I requested a new credit report, via us mail late XX/XX/XXXX - Still no response
Product: Credit card

Hello Cfpd, I am writing to follow up on my previous complaint regarding the store credit card application I submitted through Citibank at Goodyear Tires. 

Despite my initial complaint, I have yet to receive the credit card or any correspondence related to my account. Consequently, I have been unable to make payments or manage my account as expected. I have made multiple attempts to resolve this issue by calling Citibankapproximately ten timesrequesting that my credit card be sent so that I can make payments.

Additionally, Citibank inaccurately claimed that they received returned mail from my address. This is incorrect as I receive all my correspondence without issue. I had to escalate this matter to receive any response from Citibank. 

Following my initial complaint, an agent informed me that I had a five-day period to settle my balance, which is unfeasible given the circumstances. The inability to receive the credit card and the inadequate response time have caused undue inconvenience. 

I am eager to resolve this matter and pay the amount owed, but the current conditions make it challenging. I request that Citibank review the voice recordings of my calls to verify my repeated requests and address this issue promptly. 
I want to settle this but I cant have 5 days to pay this. Im willing to go to Good Year tires with my original receipt and pay it off completely. I can certainly between no and the end of year. My intention would be to pay as soon as possible!

Citibank breached their Contract when they didnt send the customer their credit card to pay and see what their paying.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Description of Fraudulent Transfer and Theft of Funds On XX/XX/XXXX, a {$10000.00} withdrawal was made from a joint bank account that I held with my grandfather. The funds were transferred from this account into a new joint account held by my grandfather and my uncle, XXXX XXXX. The transfer was conducted from my grandfathers computer, and the account was subsequently closed. 

At the time, I assumed my grandfather might have authorized the transaction. However, XXXX weeks later, I discovered that my grandfather had passed away on XX/XX/XXXX. Upon reviewing his medical records, I learned that by XX/XX/XXXX, he was already seriously ill ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and highly unlikely to have performed the transfer himself. This raised strong suspicion that my uncle, who had access to my grandfathers computer, may have impersonated him to move the funds for personal use. 

After recognizing these irregularities, I took the following actions : Contacted the bank to dispute the transaction and request an investigation. 

The bank reviewed the matter but ultimately determined that the transfer occurred from my grandfathers computer and refused to move forward with the dispute. 

Reported the issue to law enforcement, suspecting fraudulent identity use and unauthorized financial activity. 

Despite these responses, the circumstances strongly indicate that XXXX co-opted my grandfathers identity to unlawfully transfer and seize the funds. His actions constitute financial fraud, unauthorized account manipulation, and potential elder financial abuse. As a result, I am seeking a formal investigation to recover my stolen {$10000.00} and hold the responsible party accountable. 

I appreciate the Consumer Financial Protection Bureaus assistance in ensuring fair financial practices and preventing identity-related fraud in banking institutions.
Product: Checking or savings account

On XXXX XXXX, I woke up to my Chase Checking account with a hold of negative XXXX XXXX dollars. Its been over 8 months and chase has given me the go around and would not tell me why i dont have access to my account. Were in a middle of a pendemic, my stimulus checks, unemployment money and all of my savings were in that account and Ive been evicted for not having access to my money and got behind on bills. Ive called their costumer service, levees received no help aside from try again tomorrow. Even lawyers werent able to help me because their is no case number and no explanation on why the hold is on there. 
XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that TransUnion, Experian, and Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Ive had XXXX separate disputes with USAA in recent months and they are blindly siding with the merchant. Most recently, I spent upwards of 40 days arguing the validity of a dispute with them only for it to finally be reimbursed by the merchant themselves after threatening legal action. They claim that they send documents and they do not, they make not attempts to reach out via electronic communication even though Ive signed up for them, they cite letters that theyve mailed, they lose evidence. My last once went as far as telling me that I had to prove that this merchant was who I said they were because the point of sale company didnt match the company name. Even though I had time stamped transaction details and written communications with the merchant acknowledging the debt. USAA not only didnt believe me, they wouldnt believe the merchant either. They are enforcing customers to investigate their own claims ( hours ) and pulling back credits with no explanation or notice. An agent admitted that they recently changed their claims process. They also refuse to disclose any evidence of their ruling. Nor do they reach back out to the customer before ruling ( something they explicitly state that they will do ).
Product: Money transfer, virtual currency, or money service

on XX/XX/scrub> XXXX XXXX I use the moneygram online payments system for the transfer of {$1200.00} to my account in XXXX XXXX pais. 
my money still stranded in moneygram account, they promise to delivered the money in 4 days, money until now still has not been process.
Product: Credit reporting or other personal consumer reports

1 XXXX XXXX XXXX ceases any further unauthorized access to my credit report.2 XXXX XXXX XXXX compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA . 3 failure to resolve this issue may result in further legal action, as I am prepared to pursue all remedies available under the law including formal legal proceedings to recover damages for this violation.
Product: Credit card

I applied for this secured card, and a few days later i received the attached letter in the mail basically stateting " Thank you for applying, please fund the account, if we do not receive funding for the account an account will not be established '' This is basically what i understand the letter to read. Long story, short. I never funded the account and yet, an account was established and is showing up on my consumer credit report XXXX. I claim they should never have opened an account much less report it to my credit reports. I want them to delete all information from these XXXX credit bureaus. I am sending the letter that started this whole issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is 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. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATION/XXXX XXXX , DEPT OF EDUCATION/XXXX XXXX , DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATION/XXXX XXXX , and DEPT OF EDUCATION/XXXX XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX  and XXXX  has continuously and falsely verified this alleged account.XXXX, equifax  and XXXX  have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board. 

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt.

Also the debt collector is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. ( Credit collection ) Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting opened date and payment history in this account XXXX XXXX XXXX XXXX wrong, since this is inaccurate reporting please remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit reports that has incorrect information. I've disputed it with the company and with both credit reports it is reporting on. 
The account has been on my credit report for years. It's even past the statute of limitations. I didn't care since I already took care of it years ago. The company sold it to a 3rd party collection company and correctly changed the balance and past due amounts to {$0.00} and noted that they had sold it to a 3rd party collection company. 

Now all of a sudden, at the beginning of this year, the company just out of the blue changed the information on my credit reports. They now claim that it's a charged off account and that I owe them thousands of dollars. In fact, on Transunion they claim it is open and on XXXX they claim it is sold. Just another couple of errors they refuse to correct. 

This complaint is against Transunion and XXXX as well. I have disputed directly with XXXX and they have not bothered to ever respond to my direct disputes nor to credit reporting disputes and neither Transunion nor XXXX abide by the FCRA and correct the errors. 

The FCRA says they must correct the errors or delete the information. They have done neither. They are in clear violation of federal law and they are damaging me immensely. I qualified to purchase a house and then these knuckleheads changed the information on my reports and killed my loan qualification.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has XXXX  my federally protected consumer rights to privacy and confidently under 15 USC 1681. XXXX XXXX XXXX XXXX portfolio recovery XXXX last XXXX of the account number XXXX amount {$690.00}, date XX/XX/XXXX current balance {$690.00}. XXXXXXXX XXXX XXXX last XXXX of account number XXXX amount {$960.00}, date XX/XX/XXXX. Original lender : XXXX  XXXX. agency name XXXX XXXX date XX/XX/XXXX. Original balance XXXX.current balance XXXX 15 U.S c 1681 section 602 A state I have the right to privacy.
Product: Debt collection

Afni collections agency sold a paid debt to XXXX XXXX XXXX the original debt was {$240.00} I paid the amount in full now XXXX XXXX XXXX is reporting to the credit reporting agencies that I owe this debt but they never sent me notice of owing the debt. I tried to call XXXXXXXX XXXX XXXXXXXX but the phone number listed on my credit report is invalid. I disputed it with the credit reporting agencies but they refuse to remove this.
Product: Bank account or service

I am having a checking account with Citi. 
Have these kind of issues : 1 ) They do n't provide online access by default. Moreover they never told you whether you need to do that or how to do that? Somehow i got the online access. 
2 ) I wanted to close the account so I wrote a check to my another Bank account ( at XXXX ). Prior to that I asked Citi via Secure message center that i am transferring all the balance via check ( external transfer ) and let me know if there is any issues ( or fees or penalties ) -they said go ahead and account will be closed. I wrote and submitted the check into my XXXX account on XX/XX/XXXX early morning ... and Citi account was suppose to be closed on XX/XX/XXXX after check clearing ... 
Today ( XX/XX/XXXX ) - i come to know that my Citi check has been returned. XXXX charged me return check fees of {$7.00} also. 
When i reached out to Citi and XXXX both. Citi told me that I should have authorized the check ( what??? ) -did n't i told them when i wrote to them last week via secure message center about it? 
Moreover Citi send me the check book - no where it 's mentioned that writing check is blocked and i need to do something to unblock it. Moreover none of the banks in USA does anything like that. So if Citi is doing it differently ( in it 's unique way ) - they should educate the customer before head rather than this sorry situation. I chatted with Citi and also called their customer service. they are not willing to do anything it seems ... mere apologies but nothing more than that. I wasted my time and money and energy for no fault of mine but these weird ( and unknown to customer ) rules of Citi. In other words - Citi is making it too difficult when customer is trying to take his/her money out of the bank account. 

Needless to mention - the account had sufficient money to honor the check. If there is anything required by Citi ( like it is genuine check and customer only had written it ) - they should have called me or informed me at least ( they had my entire contact details as they collected it during the account opening process ). Moreover i wrote the check to myself ( just from Citi to XXXX ) - so there is not even a single reasonable person who will believe me on this nuisance caused by Citi.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a derogatory account showing from 2010 on my credit profile ... reference number XXXX on XXXX and XXXX