23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I started the process to sell the home in XX/XX/XXXX, a divorce from my husband occurred XX/XX/XXXX and the house was put on the market immediately. After 6 months it would not sell so I moved out and bought another home and my ex-husband moved in. The court ordered him to pay the first mortgage ( XXXX ) and I was to pay the second ( Nationstar, now XXXX XXXX ). In XX/XX/XXXX my ex-husband left the state and stopped paying the first mortgage. The house was put on the market and finally had a buyer XX/XX/XXXX. The buyer came up to XXXX  and is buying the house well above market value for the neighborhood. XXXX  offered XXXX XXXX XXXX and I offered them another XXXX ( I am currently unemployed ) but XXXX XXXX wants XXXX per their private investors. My credit has been destroyed by this situation so I am unable to get a loan for that amount. These banks are not working together but created a situation where my credit is completely ruined. I should say that I paid 6 % interest ( XXXX ) ( 4 % Nationstar ) for over 10 yrs and never missed a payment so they made their money off of me. I only stopped paying Nationstar when I lost my job ( over taking a second job to pay these bills, second job also ended ). So now the house is going to foreclosure instead of a short sale. I had been paying XXXX a month in utilities and other home expenses because I was told it would not go to foreclosure and that a short sale would be possible. I spent over 30K in getting the house in shape to even get a short sale at the best possible value.
Product: Credit reporting, credit repair services, or other personal consumer reports

had ID theft done hacking, sent all reports I had to move this has taken over my life SENT FTC, cfpb complaints noone will help just turn down after turn down not taken in consideration of the ID theft Banks telling to remove my fraud alert uneducated people that these people have hired that don't even belong in a branch have you guys really ever shopped your own banks? 
Walk into one very rarely do I get a trained profession. Cutting pay for what? to get people that don't XXXX   about banking? You guys are the bread and butter of the American economy but you rather cut pay and make the government spare your expense cfpb should be the higher ups of the banks protect our economy not try to XXXX us. YES its sad to walk around with the knowledge I have and walk into a bank. smh when people are put in the wrong position I'm sure XXXX XXXX wouldn't be a very good RB or XXXX XXXX a great WR, so put people in the right position to succeed. STOP having the government monitor every. You guys owe it to us get this stuff right no reason why you guys only do something b/c youre afraid of the cfpb do it b/c its the right thing to DOOOOOO
Product: Checking or savings account

The following is the chronology of events. 

Interested in opening a consumer checking account to take advantage of up to {$500.00} of account opening bonus depending on total of direct deposits. Promotion excludes consumers who " had a U.S. Bank consumer checking account in the last two years, or received other U.S. Bank bonus offers within the past two years. '' I had attempted to open a consumer checking account in XX/XX/XXXX which was never officially opened due to initial account opening 's ACH funding issue. 

XX/XX/XXXX : As account as never funded, spoke with XXXX of Promotion Dept to confirm qualification for bonus. XXXX confirmed that I qualified for the bonus as prior account was never opened since it was never funded. She was adamant that for an account to be officially opened, it needs to be funded with a completed signature card. 

XX/XX/XXXX : Opened Easy Checking account and funded initial {$25.00} deposit via debit card XX/XX/XXXX : {$25.00} initial funding posted XX/XX/XXXX : Met qualification for {$500.00} bonus via two direct deposits XX/XX/XXXX : Inquired with XXXX of Relationship Banking dept about the status of bonus XX/XX/XXXX : XXXX XXXX XXXX ) left voice message saying unqualified due to account opening XX/XX/XXXX. 

XX/XX/XXXX : Escalated to manager ( XXXX XXXX who claimed that Bank didn't have record of my of conversation with XXXX on XX/XX/XXXX. 

XX/XX/XXXX : Spoke with another representative who submitted another Customer Care Unit request with full explanation of the XXXX account opening and referenced the XXXX conversation with XXXX. Representative also disclosed that Bank 's written, internal policy is to pay bonus if promised. 

XX/XX/XXXX : Posted via XXXX 's @ XXXX asking for assistance on the matter. 

XX/XX/XXXX : XXXX ( Social Media Relationship ) reached out discuss the case. He indicated that he will look for recorded conversation of my call with XXXX on XXXX. 

XX/XX/XXXX : XXXX called to confirmed that Bank located the recorded call with XXXX on XXXX. He stated Bank will still not pay out earned bonus even after confirming that I was assured of bonus qualification prior to account opening. He said the agent has been coached. Told him that their written internal, written policy requires payout when a customer has been promised a bonus. 

In summary, this case revolves around the issues of lack of proper disclosure of what constitutes " open '' account and obligation to deliver on verified promises.
Product: Mortgage

The company, Mr Cooper took over my mortgage from Nationstar in XXXX of 2018. They lost my XXXX payment, added property tax to an escrow without my consent and have completely lost track of my payments, due to the most complicated accounting math I have ever seen. I have NEVER missed a payment. They have added late fees & service charges to my bill. I have been trying to resolve these issues with Mr Cooper for 11 months with NO success. The huge number financial papers they have sent me will require a CPA to decipher. I have submitted my bank records showing proof of my regular payments. 
I have made dozens of phone calls trying to correct these problems. I have all required documentation showing the ridiculous data they have listed on my account, saved. I can mail, email, Fax, what ever is needed. NO regular person would be able to understand these financial statements. They have lost track of there own complicated mathematical process and continue to harass me via constant phone calls & emails. They stole my payment and want to charge me for being a payment behind. I have never had a problem with a loan in 45 years. Mr Cooper is the WORST company I have ever dealt with. Your assistance would most appreciated!
Product: Credit reporting or other personal consumer reports

ACCOUTN NUMBER ENDING IN XXXX XXXX XXXX XXXX has a error of XXXX late payment on my Equifax credit report. I have contacted Equifax I talked to an agent about this matter and has been over 45 days from the last dispute since this matter has not been fixed for the month of XXXXXXXX XXXX XXXX XXXX XXXX i never missed a payment. I have attached a payment history from American Acceptance account ENING in XXXX and it show I never was 60 days late
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions :XX/XX/XXXXThese accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed discrepancies. As per the information I've received, it's necessary to authenticate any inaccuracies. The following items/accounts require verification : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX and XXXX CAR FINANCIAL XXXX XXXX. 

Kindly conduct an investigation into the accounts I've specified and send me the results via mail. According to online sources, this process should be completed within 30 days, hence I'll await your response within that timeframe.
Product: Student loan

In  XX/XX/XXXX  , I  borrowed  XXXX  from  XXXX   XXXX  to pay for my  XXXX . I began to pay back in the lat e  XX/XX/XXXX . A lthough I had periods of deferment and forbearance due to unemployment,   caring for my  child  an   d elderly parents, I s till have paid over 50K to  XXXX   XXXX   XXXX  Navient. Although I made payments to  XXXX   XXXX  before   XX/XX/XXXX ,   Navient reports that they do n't have records prior to   XX/XX/XXXX .      I also worked at   XXXX   XXXX   from  XX/XX/XXXX   through  XX/XX/XXXX   with a period of  XXXX  leave. I worked for    XXXX   XXXX   a nd  XXXX   XXXX   XXXX .     I would like to settle my balance but  Navient  insists that I still owe 41K+.   As I 've pointed out to Navient, I 'm  XXXX   years  old. This loan is most likely to outlive me yet they refuse to speak to me about a reasonable pay off. Additionally, I 'm paying for my own child 's tuition. I very much want to be done with this nemesis but the Navient reported balance strikes me as nothing more than usury.
Product: Money transfer, virtual currency, or money service

I created a crypto account on XXXX on XX/XX/2024, submitted all the ID documentation, and was approved the same day. I funded the account on the same day with XXXX USD from XXXX and made an instant purchase of XXXX. 

On XX/XX/2024 I get the appended message from a " XXXX '' in kraken support. On XX/XX/2024 I transferred my XXXX to a wallet on a different platform, but the transaction was canceled manually by kraken. My account was closed, and reopened on XX/XX/2024. I again attempted to transfer my XXXX  on XX/XX/2024, and it was again canceled. Kraken has not provided any reason other than the below : XXXX ( Kraken Support ) XX/XX/2024, XXXX PDT Hello XXXX, Unfortunately, we must inform you that we will be closing your Kraken account. For security purposes, we can not disclose the reason for this action. 

Please note that you still have a balance on your Kraken account. Therefore, we request that you complete the following actions within the next XXXX hours ( from the time and date of this message ) : Convert crypto to cash. 

Withdraw your remaining balance to a bank account you deposited to Kraken ( account ending in XXXX ). 

Export all your trade and ledger history as we will be unable to provide it to you later. 

Deposit services have already been disabled for your account. After the XXXX hours have passed, your account will be closed. Kindly note that you can not open another Kraken account. We may reach out to you if we require additional documentation. 

We appreciate your understanding. 


Finally, on XX/XX/2024 I get this from kraken support : XXXX ( Kraken Support ) XX/XX/2024, XXXX PDT Hello XXXX, The withdrawal was manually failed, as we can not allow you to withdraw cryptocurrency. 

Since you have not proceeded with the necessary actions, we have closed your Kraken account.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX reserve all rights from ucc 1-308 without prejudice and reserve my right not to be compelled to perform under any contract not entered into knowingly, volunatarily, or intentionally. I do not accept the liability of any compelled benefit of any undisclosed commercial agreement or contract not entered into knowingly or intentionally. Macy's/Citibank ented the terms of an alleged credit card agreement by presuming me the living man to be XXXX XXXX and not XXXX XXXX. 15 USC 1692 ( a ) deceptive practices due to XXXX XXXX not being an individual person, consumer, or fictional corporate entity. Macy's/Citibank does not have the legal authority or capcity to contract with the living man XXXX XXXX neither Macy's/Citibank credit card agreement is not legally enforceable due to lacking signtures, consideration, and capacity. Macy 's /Citibank mislead XXXX XXXX believing he received credit but instead XXXX XXXX provided and extended his own credit to Macy's/Citibank by endosing the electronic agreement which credit is a RIGHT to defer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THIS INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XXXX/XXXX/2020
Product: Credit card

on XX/XX/year> I paid my Sephora Account for the value of {$630.00} and that will completely get my balance to {$0.00} I have proof that my balance was that. I called on XX/XX/year> to Sephora to ask them to close my account and asked them to send me an official letter to confirm that my account was closed. Now I have a statement that I owe {$8.00}. So they did not close my account and they are charging me interest on top of that. That was the entire point of closing the account.
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. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX Account XXXX Equifax : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX Account XXXX XXXX : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX Account XXXX
Product: Credit reporting or other personal consumer reports

I recently noticed multiple unauthorized inquiries from your company on my credit report that I absolutely do not recognize or remember authorizing.
Product: Credit reporting

Paid off all open collections on my reports. But they still show as open. I have provided a screenshot of the XXXX account I was able to pay online the others I believe are sending me letters
Product: Credit reporting or other personal consumer reports

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

Experian is reporting reporting a taxlien on my report that has been dismissed because it was filed in error by XXXX. This has long been removed from my other XXXX credit reports. I am uploading a document that may better shed light on the account in question. This is my only public record thats is reporting on any of my report 's. Please review the document, investigate, and remove. Thanks.
Product: Credit reporting or other personal consumer reports

This account has been paid in full since XX/XX/year> XXXX has consistently reported to the credit bureaus every month as if I owe. XXXX never sent me a letter I was notified by student aid.gov I went in XXXX as websit in my XXXX  and thats when I saw the letter that I have attached on XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX / XXXX Date Opened XX/XX/XXXX {$110.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$4600.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00} Inquiries XXXX XXXX Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXXXX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DEPT OF EDUCATIONXXXX XXXX Balance : {$11000.00} ; DEPT OF ED/XXXX  XXXX Balance : {$3300.00}
Product: Mortgage

WELLS FARGO TERMS AND CONDITIONS STATES They would not share my information without my consent this isnt the case I am being violated so I Opt Out.
Product: Mortgage

THE SUMMARY OF EVENTS/ COMPLAINT. 
PennyMac keeps failing to comply with loan servicing and loss mitigation guidelines. I have been attempting to get a loss mitigation compromise from PennyMac which allows me to keep my home for months. I keep getting bad information from PennyMac and am stuck due to issues on PennyMacs side. 
I am divorced from XXXX XXXX, who was a co-borrower and a co-owner. She has not lived here for years and she has not been an owner of this property for more than 3 years. PennyMac has a copy of the deed which proves that XXXX XXXX transferred her ownership interests to me in XXXX. I am not in touch with XXXX XXXX, I am not able to get in touch with her, and she is not cooperative or involved in this. 
PennyMac keeps sending documents, including to my address, which are addressed to XXXX XXXX. PennyMac has known for years that XXXX XXXX does not live here. 
One example of PennyMacs behavior is that it told me I had to have XXXX XXXX permission to sell the home ( not that I want to sell it ) even though shes no longer an owner. I now believe that statement to be completely wrong. 
PennyMac also stated that it was sending me a loan modification type offer which included removing XXXX XXXX as a borrower. This turned out to be false. Instead, it again sent partial claim documents to be signed by me and by XXXX XXXX. 
Instead of moving forward with the type of offer which would resolve this, PennyMac filed a foreclosure case. While I waited for the offer I was supposed to get, the amount of the delinquency claimed grew larger. 
I am obviously not the only person who has been divorced from a co-borrower. There must be options for modifications when an ex-spouse who is NOT an owner wont cooperate. I have done what PennyMac has told me to do each time to modify my loan and take XXXX XXXX off the documents such as the deed in my name and then insurance in my name, divorce decree. Each time they would ask for one of those and I was told that they would take her name off. in the mean time they said to skip that payment thus putting another month behind. I can afford to the house payment but they have misguided to the point of where I am. 
**There is a foreclosure hearing scheduled for XX/XX/XXXX. At that hearing, PennyMacs agents will be seeking to schedule a foreclosure sale of my home. ** THE RESOLUTION/ WHAT SHOULD BE DONE. 
The foreclosure case should not go forward. PennyMac should direct its North Carolina agents to dismiss or at least put on hold XXXX XXXX, North Carolina case # XXXX SP XXXX. 
PennyMac should provide a loss mitigation option which allows me to retain my home, taking into account that my former wife, co-borrower XXXX XXXX, is not an owner, not a resident of the property, and not cooperative.
Product: Student loan

violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE and 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 1666b 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.