23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Nationstar Mortgage wrongfully foreclosed on a mortgage on XX/XX/XXXX in violation of the rules for protecting successors in interest. The XXXX year old complainant was on the deed and mortgage with his now deceased wife. Only the deceased wife, however, executed the note and only she was considered to be the borrower. Both the husband and wife were on the deed as " tenants by the entirety. '' They bought the home XX/XX/XXXX. 
The foreclosure sale was conducted in violation of 12 CFR 1024.38 ( b ) ( vi ) which requires identification and communication with successors in interest. Nationstar refused to communicate with the complainant after the death of his wife. He would regularly place calls to Nationstar after getting the monthly bill, but Nationstar would always hang up on him, telling him that they did not know who he was, despite his detailing the death of his wife and that he owned the house with her. One one occasion, a Nationstar representative threatened to call the police and obtain a restraining order against him if he continued to call. 
Eventually, Nationstar gave notice of foreclosure and then the XXXX contacted an attorney who sent Nationstar a Notice of Error in XX/XX/XXXX. Only then did Nationstar send the complainant a Loss Mitigation application. He timely submitted the application. Nationstar, though, failed to notify the complainant of the status of his application. Again, during a telephone call with Nationstar, the servicer demanded to know if the complainant was named as the executor or administrator of his wife 's estate. When he answered " no '' and tried to explain that no estate administration was necessary under Massachusetts law because of the tenancy of the entirety, the Nationstar rep said that they could not speak with him and hung up. The complainant 's attorney sent two more Notices of Error to try to obtain loss mitigation for the complainant, but Nationstar went ahead with the foreclosure sale despite being informed that it had violated the RESPA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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 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 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 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 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

On XX/XX/year> XXXXXXXX XXXX BOK financial XXXX XXXXXXXX XXXX XXXX XXXX I tried to take out {$700.00} and then they give me a receipt that said XXXX XXXX And I try again, but this time I tried to take out {$600.00} and they gave me another receipt that it said the same I uploaded a picture of the two receipts for you guys can look. I got an alert from XXXX XXXX and On my bank statements, they took out {$700.00}. So I called XXXX XXXX to do a claim and they told me in 10 days. I told him that I need the money for my rent by tomorrow. They told me that I have to call the.BOK financial services so I give them a call and the told me that I have to wait for my bank to do the claim. Thats why Im reaching to you guys
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureau ) credit report. I recently retrieved my credit report and it showed ( number of hard inquiries you are disputing ) credit inquiries that I have no knowledge of ever authorizing.

I am writing to dispute the following inquiries and asking for their removal from my credit report. 


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 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 
Sincerely,
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft, my former roommate opened XXXX XXXX XXXX XXXX accounts in my name and pretended to be me racking up thousands of dollars in debt that caused my credit score to tank. In addition, I lost my employment between XXXX XXXX which put me further into debt along with losing my home, my car, being homeless for nearly XXXX years with no unemployment, no family, no friends and various XXXX XXXX  issues that have prevented me from being employed. I AM ASKING THAT THEY COMPLY LIKE THEY SHOULD AND REMOVE BOTH ACCOUNTS FROM MY CREDIT REPORTS ALONG WITH THE REIMBURSEMENT OF LOST WAGES IN THE AMOUNT OF {$140000.00} WITHIN XXXX 30 DAYS BEFORE I REALLY FILE A LAWSUIT AGAINST UPON EXTRA PAYMENT OF {$30000.00} FOR LEGAL FEES. I AM SICK OF THIS SITUATION WHICH HAS PREVENT ME FROM WORKING A REGULAR JOB AND HAVING A PERSONAL LIFE.
Product: Mortgage

On several occasions, when I go into the bank with simple questions such as what is my balance is my payment past due is my payment due what is the payment amount. 

On numerous occasions I was unable to obtain any information or I'm given the wrong information. 

On XX/XX/2022, I entered the bank branch on XXXX XXXX in XXXX XXXX Florida. I requested information about my mortgage, to a teller that was a XXXX male in his XXXX maybe XXXX lb. Being unable to give me any information, he requested assistance from XXXX who I believe is the head teller. This process, once again, goes on for an extended time. Then Ispeak to a customer service representative. End result is, I was told, by all 3, the payment was not due until next month, the payment due date is the first. The XXXX being the last day to pay without being late. 

Note that I'm a senior citizens and at times I get confused, so I was uncertain. I thought I had not made the payment but I'm a limited income and they told me no payment was due. 

I subsequently received a letter from TD Bank dated on the XXXX. The letter states that I'm past due and they may make derogatory comments on my credit report. 

When I want to know is, are they required to be able to tell me information about my account. isn't that servicing part what I'm paying for? 

This is a failure in service of the mortgage, are they in breech of the contract? 

I've been in several branches, on several occasions, when they told me they can not tell me any information because this is an old mortgage from the bank they took over in the mortgage crisis. 

Also when I, last year, applied for credit for a mortgage for XXXX Bank, also on XXXX XXXX in XXXX XXXX, the branch manager told me the reason that I was denied credit was because TD was reporting my mortgage as revolving credit to the credit bureau. 

I originally had a home equity loan, that was converted or modified, I have no access to those funds and it is not a revolving credit and their DEROGATORY comments have caused me a loss. 

I have requested that they change these derogatory comments to be a mortgage instead of a revolving credit with no success. 

How's the bank today Friday XX/XX/XXXX New York on XXXX XXXX in XXXX at approximately XXXX noon. I spoke to the Head teller again XXXX she told me that everything she sees tells her that it was paid and I was not past due I was not overdue. 

I then spoke to an assistant manager. I showed her the past due letter. She was confused and seemed unable to comprehend my problem or offer any assistance that would be productive. I told her if derogatory remarks where made by td on my credit file, that I may sue. She didn't seem concerned. 

She offered a representative to confirm the payment was made, that it was not past due and I had already told her I just made a payment. 

Doesn't part of my mortgage fees, pay for service, in which I can get details or information about the mortgage? 

Aren't they required to be able to tell me details? 

Isn't there reporting to credit bureau and refusing to change the remarks, that My mortgage is not revolving credit, illegal?
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account # XXXX 30 days late in XX/XX/XXXX, XXXX XXXX, 60 days in XX/XX/XXXXXXXX XXXX XXXX  90 days in XX/XX/XXXX, XXXX XXXX, 120 days in XX/XX/XXXX, and XX/XX/XXXX.
Product: Student loan

Navient holds some of my federal and XXXX Personal loan that was originally with XXXX XXXX. As stated in the law suit against them in XXXX, I have had the same issues with them. XXXX XXXX and then Navient did not disclose other alternatives to repayment and just offered me forbearance. Also, my private loan which is now in default, I was never provided any options for repayment from the collection company. My loan was originally {$22000.00} give or take and ballooned to {$93000.00}. They told me I just had to pay in full, and at one time they offered me a pay off of {$25000.00}, which I would have taken given I had the means. They never offered me any payment options and continued to harass me to pay the full amount. My loan shows " charge off '' on my credit and with Naveint over the phone. But because Navient owns the collection company, they still show a balance, which makes no sense to me. I want to be included in the lawsuit against Navient because they have literally ruined my life and my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
+ 15 USC 1666B : A creditor may not treat a payment on a credit card account under XXXX open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I was filing my taxes through XXXXXXXX XXXX XXXX and I wanted to set up the credit karma money account to be able to direct deposit my taxes. I have tried for XXXX days to accomplish this and have failed. I have received XXXX different errors from credit karma stating that my info cant be verified and I am not the same person filing my taxes. This is absurd as I have been filing my taxes with XXXX XXXX XXXXor 9 years and have been a credit karma consumer for 9 years. If my info cant be verified the. How was I able to create a credit karma account. I chatted with XXXX from CK chat support and she just flat out to me they cant verify my info and she cant tell me what info cant be verified and I just cant open the account. This makes no sense, their website states if you are having trouble making the account you will have to be manually verified and no one is helping with that.
Product: Credit reporting or other personal consumer reports

I have inaccurate information on my consumer reports that is affecting the process of buying a house. Transunion is reporting late payments on my consumer reports from XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX and XXXX XXXX XXXX XXXX XXXX acct # XXXX., the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; subsequent to this the law also states 15 us code 1666b timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Nobody has sent me proof nor have i received my periodic statements 21 days before the payment was due, the burden of proof is on the consumer reporting agencies and I have still yet to be proved. My next step will be litigation. Therefore, please update these accounts as paid as agree or delete.
Product: Credit reporting 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 : AXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : Unknown Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I was alerted that my Equifax account was frozen and was asked to submit documentation to prove my identity in order to open my account back up. Listed below are the attempts I have made to rectify this problem by phone call dates, and paperwork submission dates : Phone Call dates : XX/XX/2020 ( 2 calls ) XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 Paperwork submission dates : XX/XX/2020 ( Via facsimile ) XX/XX/2020 ( Via facsimile ) XX/XX/2020 ( USPS ) XX/XX/2020 ( Via facsimile ) With every phone call, the Equifax response was either disregarding my phone call or giving me a statement by an employee the issue would be resolved if I submitted the same paperwork one more time. I have now spent a lot of time and money trying to resolve this matter, and a lot of confidential paperwork has been lost by their department. I have gotten several law offices involved in the discussion of pressing charges, they suggested I start here.
Product: Credit reporting

On XXXX XXXX, 2015, I disputed XXXX judgements on my credit file with Equifax , case numbers XXXX, XXXX and XXXX, all XXXX judgements came back as verified by the XXXX County Court. I have proof from the court system that there is no reocred judgement for XXXX and XXXX, I have tried on numerous disputes to have these removed from my report as they are not recored judgements and are not mine, each time they come back as verified. I am not sure who I need to contact to start legal procedings for these errors that are being falsely placed on my Equifax report. Furthermore Equifax makes it impossible to go back a view your documents as they are not avilable online you can not print them nor can you view them. I have proof but I am unable to attach the doucments is there anyay that I can make copies and mail?
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Previous Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 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 XXXX XXXX XXXX XXXX
Product: Credit reporting 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 XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 delete them immediately in my report : XXXX XXXX XXXX XXXX Balance {$10000.00}
Product: Credit card

I signed up for an American Express delta rewards credit card XX/XX/2023 from a link that offered XXXX bonus miles after {$2000.00} spent in the first 6 months if I signed up before XXXX XXXX. I did and was approved for that time period. I was later only given XXXX miles and the company said that is what was offered. I sent them proof of my documents, and they wont send me their proof. Just keep saying that is what I signed up for and no proof. They wont look at my supporting documents because they say they were never uploaded even though I have screenshots of them saying they were confirmed submitted. They now say they will not help me anyone and XXXX still left with no proof
Product: Credit card or prepaid card

XXXX XX/XX/XXXX my SAPPHIRE PREFERRED credit card ending in 6804 showed a transaction CREDIT BALANCE REFUND {$61.00}. Which means originally I had a credit of {$61.00}, and it was taken by the Chase bank for no reason as a charge in my account. 

I contacted Chase customer service phone line on XX/XX/XXXX, agent Cel female told me a check of the same amount was issued to me XXXX after an email was sent by Chase to me on XX/XX/XXXX about the transaction. Email address verified correct by this agent. However I never received any email nor check by chase. Even if an email was sent by chase on XXXX, it is after the money was taken by Chase. She provided check ID XXXX, and told me this could not be reversed and couldn't explain further why this happened. 

This is a misconduct by Chase, taken money away from clients for no reason with no communication is not legal. 

I would like to receive a full credit {$61.00} ASAP of my lost, and {$50.00} inconvenience credit. I would also like to receive a refund of my {$95.00} credit card annual membership fee paid XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a XXXX XXXX account on my credit file in which it does not belong to me. I recently found out my old roommate had 3 cell phones in my name. I contacted XXXX and each credit bureau still nothing done about it. XXXX is aware. Experian, XXXX  and XXXX  should bot allow someone to report an account without a full investigation. I would like for this account to be removed from my credit file immediately.. I've requested copies of the signed agreement from both XXXX XXXX and each credit bureau and no one has provided me with that info but has this account on my credit file. This is not legal or right on all levels. I will contact an attorney on XXXX and the credit bureaus if its not removed
Product: Credit reporting, credit repair services, or other personal consumer reports

fraud ..these are not my accounts i did not open these accounts
Product: Credit reporting or other personal consumer reports

This account was opened fraudulently using my stolen identity due to 2017 XXXX data breach
Product: Debt collection

This 3rd party debt collector ( AFNI, Inc. ) keeps harasing me with collection letter on an alleged unpaid debt with XXXX XXXX XXXX. I have reported this company in the recent past for the same collection letter except this time they are attempting to collect a " discounted '' amount. This is pure harassment. I never had an XXXX XXXX XXXX account in my life. My identity was a victim of theft from a breach from XXXX account and was reported approximately 2 years ago. This needs to stop. This company has recenlty filed with XXXX and is trying to ruin my excellent credit status. Luckily, XXXX took it of my account as they realized it was an a fraudulent claim.