23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The bank Nationstar Mortgage LLC d/b/a Rushmore Servicing has refused to help me with forbearance or a loan modification. Now the house was plced for foreclosure and they refuse to do a Loan Modification.

I presented a complain before that was ignored by your organization that explained the abuse experienced by me and my brother. we are two disable senior citizens abused by Nationstar Mortgage LLC d/b/a Rushmore Servicing who locked us out of the home while we were sick with covid, and a house that was old and in poor conditions was vandalized during the Nationstar Mortgage LLC d/b/a Rushmore Servicing secure safeguarding of the house. During this time the house ceilings were cut open, all bathrooms damaged, toilets stolen, vanity and sinks taken without asking as for permission, Refrigerator and Stove stolen along with all of our personal valuables and home utensils, plates, cups, teapots, coffee pots, lawn mowers, brooms, shovels, TV, forks, knives, all listed in a XXXX XXXX police report. I borrowed money to fix the property and requested a couple of weeks to be able to complete the renovation to sell the property and pay them the money owed, but no mercy on the part of Nationstar Mortgage LLC d/b/a Rushmore Servicing who expedited the foreclosure date for XXXX XXXX never providing a detailed explanation of the expenses that they claim they incurred safeguarding the XXXX XXXX XXXX Property. Nor they have explained why they needed to remove the stove which was in good condition and working same as the refrigerator which caused me to buy a new stove, I have no refrigerator at the moment as most of my money has gone to repair the water and the heat which was damaged by the negligent winterization mandated by the bank Nationstar Mortgage LLC d/b/a Rushmore Servicing. I need to request that your organization makes them provide a detailed list of the expenses that they claim me and my brother owe them. We need the insurance that they have on the house provide restitution for the items taken and the damages caused to the house that had to be remediated that were not happening before they locked us out of the house. I had functional bathrooms and kitchen and after were let in the property this was not the case as the house was in the conditions that the pictures they provided in the previous claim. The bank disposed of all of our personal belongings and housewares from tea spoons to refrigerator, stove, lawnmower, hair dryer, toothbrushes, shampoo bottles, family albums of me and my brother with our deceased parents, etc. 
The bank refuses to provide details of the expenses that they claim are owed to them as these are not accurate and have been presented in a wrongful foreclosre to the court Please investigate and correct this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just contacted Equifax about inquiries that I reported as fraud and was told to send an FTC report. 
I sent a report via fax XX/XX/XXXX as I was directed to do so. I contacted Equifax to verify receipt which they said they had not on XX/XX/XXXX. I then sent a letter certified mail which they received XX/XX/XXXX. 

I person I spoke with stated that had not received either of the copies I sent out to them.
Product: Credit card or prepaid card

Date of complaint for 2 half weeks now I've been purposely bringing this account to a XXXX usage balance to show and prove to citi bank that they are processing payments and not applying them to the proper categories. Ie cash advances is a higher apr and they are not applying the payments correctly, all employees agreed and confirmed interest and minimum payment due was already met before additional payments. In fact, 4 citi bank employees in writing said they would apply payments as they see fit and that their is no such law stating that higher apr accounts shall be applied 1st after the min payment was concluded. Furthermore I am not currently on hold with another nasty representative that told me after waiting on the phone for 5 hours and speaking with the account specialist XXXX check our recorded call he said 20 Mina to fix this issue now they are telling me 48 hours because payments are not posted? Bs see attached. Cfpb this is another example of a rogue credit institution applying payments as they see fit, & I have a Nile river of chat history requesting repeatedly to exhausting breaths that I want my ADDITIONAL PAYMENTS POSTED TO MY HIGHEST APRS* THEY HAVE ABSOLUTELY NO REGARD for the consumer well being on the contrary, only in making money. Another example XX/XX/XXXX an representative told me that they were reimbursing me for 2 days worth or fees due to the horrific customer service I always go through. After being told by another representative that he didn't give a crap what online chat said he wasn't going to credit the account it took me another 2 hours face book postings on their public site to finally get a supervisor to credit the account & get This she only did it for one day VS the 2 I was told I'd be receiving. This company is dangerous and an absolute failure in the professional standards of practice in my opinion and should be held accountable and investigated if wrong doing is found. Absolutely the worst financial company experience I've ever tasted I'm shocked they hold licenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my filing of these complaint is to state that capital one is being un reasonable with my case. I had disputed my account ref number : XXXX XXXX XXXX XXXX on XX/XX/XXXX, about late payment history around XX/XX/XXXX to XX/XX/XXXX. 

Capital one requested me to provide proof of my not being able to make my payment. As a result, I sent capital one the doctors proof of sickness ( medical report ) and my XX/XX/XXXX Bank statement that shows that I had around {$19000.00} back then that could have covered the payment due were it not for the serious medical condition that I was under. 

But to my surprise, even after providing all the documents that capital one had requested as proof, capital one still refused to remove the late payment history they are reporting on my credit file. I am requesting that capital One remove the late payment history they are reporting on my credit report. 

Attached here with : 1. My dispute letter sent to cap one on XX/XX/XXXX.
Product: Debt collection

It started in XX/XX/22 thur XXXX..someone hacked my bank account and charged money for XXXX XXXX..which I have not use their services. Plus there are No XXXX service in XXXX Maryland! Also I work everyday as a driver for a company. DO NOT NEED OR USE XXXX SERVICE! They are trying to get the money from me on my credit. Any help would be appreciated. XXXX XXXX XXXX thanks
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I went to the PLS Check Cashers store located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  store # ( XXXX ), and I advised one of the clerks/cashiers that the money that I purchased on XXXX XX/XX/XXXX had been rejected by the bank. The clerk immediately had me fill out a PLS Money Order Stop Payment/Refund Request Form regarding money order # XXXX in the amount of {$1500.00} that I purchased on the above date. 

When I finished filling out the form the PLS clerk/cashier went over the form with me and advised that had to call the XXXX listed on form, and that I would be able to speak to someone regarding the status of my refund which would be issued to me within XXXX to XXXX business days. So, I called and left messages at the above number, but I didn't receive any call backs. 

So, on XX/XX/XXXX, I decided to send an email to the company using the company 's website, and finally I received call from one of the company 's representatives on XX/XX/XXXX, at XXXX p.m. The representative stated to me that a check for the full refund would be issued to me on or before XX/XX/XXXX. But unfortunately, I never received the check as promised. 

On XX/XX/XXXX, I sent a follow email requesting a refund, and XXXX days later I received a call on XX/XX/XXXX, from one PLS company 's representatives, who stated she was in the process of sending an email to her refund department to find out what happened to the refund check I was due. She further advised that someone from her refund department would be giving me a call on either XX/XX/XXXX, or the next day. But, unfortunately, as of to date, I haven't received any phones calls or the refund check from the company 's refund department. 

Instead, all I'm getting from XXXX XXXX XXXX is excuses, delays and empty promises. I also asked that when the refund is issued that it be sent to me via, XXXX XXXX XXXX or XXXX. XXXX XXXX, to eliminate the excuse that the check was sent but may have gotten lost in the regular mail.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I attended a social gathering and purses/wallets were stolen by event staff. Police were notified and report was made. I was advised to monitor my credit report in the future. I recently pulled a copy of my credit report and noticed a slew of accounts I have no knowledge of, affiliation, or relationship with. I also discovered someone has been applying and attempting to obtain lines of credit in my name. I immediately contacted the CRAs ( XXXX, XXXX, and Transunion ) in XX/XX/XXXX. I informed them of the incident from XXXX along with the account I discovered. I contacted all agencies via phone and by mail. It has now been over 60 days and no accounts have been verified but are still reporting to my profile which is now in violation of the FCRA, specifically 15 USC 1681. NO INFORMATION SHOULD BE FURNISHED TO MY PROFILE WITHOUT MY WRITTEN CONSENT. Furnishing account due to Identity Theft further violates 15 USC 1681 c-2. No accounts due to identity theft should be reporting to my profile. The accounts being reported to my profile that I have no knowledge of are : XXXX XXXX ( {$190.00} ), XXXX XXXX ( {$1400.00} ), XXXX ( {$980.00} )XXXX XXXX XXXX  ( {$610.00} ), XXXX XXXX ( {$260.00} ), XXXX XXXX ( {$450.00} ), AND XXXX ( {$500.00} ). Again I have no knowlege of these accounts. I also noticed credit inquiries from creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX. I have NOT applied for credit with these lenders
Product: Mortgage

We have a loan modification approved since XX/XX/XXXX. Our payments would be {$590.00} for a 40 year term until XX/XX/XXXX which we began making those payments and have paid on time every month. Prior to the modification we had paid our payment of {$770.00} on time for the previous 24 months following the XXXX forbearance program. 
Everything was going smoothly until they sent a letter as of XX/XX/XXXX they would be doing in-house servicing. Ever since they had made account error and compiling errors. They added late fees, they increasd our payment amount on XX/XX/XXXX with payments to begin on the XX/XX/XXXX statement by 35 % and posted an {$11000.00} second loan on our account without our knowing. They also sent a new account number where we can not print from the previous account info. They repeatedly made payment errors. They have made damaging credit reporting stating late payments and loan balance increases. 
We have been communicating regarding the error since XX/XX/XXXX without a response. 
We finally had to send an additional " Not of XXXX '' XX/XX/XXXX asking for a response in 5 days as we were told from the Mortgage company and then following up with a letter as well to their Board without response. Prior to that we send an " note of error '' by email which was ignored, thus the postal letter. 
To date, we have had no response nor any error corrections to our mortgage account.
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. 
Account name : 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 1681c. ( 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Checking or savings account

My name is XXXX XXXX and I have submitted complaints in the past and I have decided to take legal action against CITIBANK. CITIBANK 's security has failed and has led me to lose {$90000.00} out of me and my families ' accounts. I have complained about this multiple times with little to no help from CITIBANK. It is clearly CITIBANK 's fault because the scammer had spoke to a bank associate XXXX XXXX in CITIBANK on XXXX XXXX XXXX in XXXX XXXX, Florida. The scammer impersonated my father over the phone and he acknowledged that it was suspicious and he did not do anything in his power to stop the wire transfers from going through. These were not authorized transactions and CITIBANK should have better security because of this. Also me and my father 's phone sim numbers were taken over by these scammers so it was a very intricate type of scam that they performed. With these sim card numbers, they switched them so they received our calls and we received theirs. This is how they impersonated my father when the bank teller called him and even when my grandmother called him. They are already getting sued in New York for the same thing. This is ridiculous because now my family is really financially crippled. CITIBANK has no one to talk to at their branch about this except for bank tellers who don't have authority for anything. But when we call on the phone we have to go through 5 different people every time to get to the right person. To make it even better they hang up half of the time.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of an account reported by XXXX XXXX on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate, complete, and verifiable credit reporting. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to be free from misleading or unauthorized debt collection practices. Below are the issues I have identified : XXXX. Inconsistent Reporting Across Bureaus : The Account Type - Detail is listed differently across bureaus, with XXXX stating Unknown - credit extension, review, or collection, and Equifax reporting Collection. This inconsistency violates 15 U.S.C. 1681e ( b ). 
XXXX. Improper Dispute Status : The comments from XXXX and Equifax state that the account is disputed. If this dispute has been resolved or if the reporting is incorrect, this information must be updated or removed. 
XXXX. Potential Obsolete Reporting : The Date Last Active is listed as XX/XX/year>. If no activity has occurred since then, the account XXXX exceed the seven-year reporting limit, per 15 U.S.C. 1681c ( a ) ( 4 ).

4. Lack of Verification and Payment History : The report does not provide any detailed payment history or verification of how the account reached Collection/Chargeoff status. 
XXXX. Unauthorized Transfer of XXXX : I did not authorize payments to XXXX XXXX or agree to the transfer of this debt. Reporting this without my consent XXXX violate the FDCPA ( 15 U.S.C. 1692e ).

Violations of the Fair Credit Reporting Act ( FCRA ) and FDCPA : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit reporting agencies must ensure that the information they report is accurate and consistent. The discrepancies in account descriptions and comments violate this standard. 
2. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : Negative information, such as collections, must not be reported more than seven years from the date of first delinquency.

3. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If you disputed the account and it remains unresolved or improperly updated, the credit bureaus may have failed to investigate properly.

4. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The creditor or collection agency may have provided inaccurate or unverifiable information.

5. FDCPA ( 15 U.S.C. 1692e ) : False or Misleading Representations : Reporting this debt without proper verification or authorization from you to collect or transfer the debt XXXX violate the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX XXXX, XXXX, Account # XXXX 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 an account without my written instructions or consent.
Product: Debt collection

XX/XX/2017 I was a victim of identity theft in which this how the medical debt was accrued
Product: Money transfer, virtual currency, or money service

Earlier this year, my siblings and I received the proceeds from a sale of family property in XXXX. My sister sent me approx. {$15000.00} via wire from XXXX to my Chase Bank checking account on approx. XX/XX/21. I was told that funds would be available in a couple of days and after waiting for several days, the money no longer showed in my account and I was told that an investigation was being done for international money laundering. I was told that once the investigation was finished, the funds would be available to me and that this would take approx. XXXX weeks. All this time, I have received the run-around. At one point, I was told that a check had been mailed to me. After XXXX weeks, OOPS! -- that was a mistake. Then, I was told that the funds were deposited to my account, but my account had been closed due to overdrafts that resulted in my funds not being available. So, I paid the overdraft fees and fines and was told that the funds would be deposited shortly. I was told over and over again, " Be patient, XXXX XXXX '', it's takes time, but be assured, it will happen any day. Well, days have turned to months. Currently, XXXX XXXX XXXX, XXXX of the XXXX, MD branch has been telling me for XXXX weeks that she is trying to get authorization to pay me " in-store '' rather than waiting for whomever to do whatever needs to happen to shake loose my money.
Product: Debt collection

I have no balance due with the referenced biller. No debt validation has been received. The company has been advised not to contact me by any means other than USMail, but continues to call my phone and the phone number of a former employer.
Product: Debt collection

Balance reported as XX/XX/2023 on XXXX for {$990.00} which wasn't mine. This bank has failed to investigate the account within 30 days limit and did not resolve my concerns.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Follow-Up on Request for Removal of Fraudulent Accounts To Whom It May Concern, I am writing to express my deep concern regarding the unresolved matter of two fraudulent accounts that I previously brought to your attention. Despite my initial request and submission of an Identity Theft Report, along with a filed police report, there has been no action taken to remove the fraudulent accounts from my credit report. I am providing a detailed statement to bring this matter to your immediate attention. 

Account Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I submitted a formal request to have the aforementioned fraudulent accounts removed from my credit report due to identity theft. This request was accompanied by an Identity Theft Report filed with the Federal Trade Commission ( FTC ) and a police report submitted to [ Law Enforcement Agency ]. However, despite the seriousness of the matter and the supporting documentation provided, no action has been taken to rectify the situation.
Product: Debt collection

( The options previously listed really didn't capture my experience ) I've been a long-time XXXX XXXX customer. I've had at one point 7-8 different lines from a family plan and have paid on average {$6000.00} per year on our cell/device bills alone. We've slowly been taking lines off of XXXX because the customer service and care has vastly deteriorated. 

In early XXXX, I decided to switch my father from XXXX XXXX to XXXX XXXX. I kept my line with XXXX  in the meantime. My father 's final bill was due in early XXXX and less than 23 days later, XXXX had already sent my father 's final bill to collections ( CBE Group ) which apparently is XXXX 's internal debt collection service. 

I didn't receive any phone calls, e-mails, anything reminding me that we were past due. The bill was not even 30 days past due and they had already sent it to collections. Mind you, when I did receive a letter, it was around XX/XX/XXXX ( approximately ) and the phone calls began a few days later. This is nearly a full week + after the lockdown from the Coronavirus had already been ordered here in the XXXX XXXX ( CA ). I don't even know if I'll be able to make my next mortgage payment or property tax bill and XXXX  has the audacity to send my bill to collections at a month past due? 

I've reached out to XXXX customer support online and they didn't bother to do anything. I spoke to someone on their management team who said they would get back to me with some logical explanation. They did acknowledge that being sent to collections not even 30 days past due is not normal. I'm sure I'm not the only person who is in this situation. A lot of people are struggling and their choice to send me to collections after years and years of giving them my business is hurtful and adds undue stress. 

I have since disconnected my line and transferred my phone number out. I refuse to continue to give them my business. CFPB and other consumers should know that in this day where lendors and creditors are issuing payment deferrals and mortgage forbearance, XXXX won't hesitate to send your bill to collections.