23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

NationStar Mortgage bought my loan from XXXX XXXX XXXX in XXXX # XXXX First Mortgage in the amount of Approx. {$460000.00} I had obtained this loan directly from XXXX in XXXX. I have been in a Chapter XXXX Bankruptcy since XXXX. case # XXXX XXXX XXXX, CA. In order to get a discharge in XXXX I obtained a 2nd Mortgage in XXXX and paid off all my creditors. As a part of my discharge I paid Nationstar Mortgage XXXX advance Mortgage payments of {$1700.00} which were the remaining XXXX payments in the Plan. I duly obtained the discharge and it was entered on XXXX/XXXX/XXXX as there was a XXXX day wait per the Trustee 's lawyer. 
I have since written to NationStar Mortgage, Called them several time and asked for a receipt of these payments, a mortgage statement showing the next due date of XXXX/XXXX/XXXX. They have not complied in ANY WAY, instead they sent me a copy of the note and collateral agreement showing that they own the loan. Every time I call I get a different and more confused phone representative, I was told that by XXXX/XXXX/XXXX my loan would be removed from the BK Department and would be put back into a normal loan servicing mode as it should be. I was also advised on XXXX/XXXX/XXXX that a Mortgage Statement was forthcoming and the excess amount of {$1700.00} ( Suspense ) in my account will be applied to my XXXX/XXXX/XXXX payment. The excess is due to the Trustee making an extra payment during the XXXX months that they handled my case. 
I contacted XXXX XXXX attorney at XXXX XXXX who claims to represent NationStar Mortgage and told him that I was not getting any cooperation or compliance from his client NationStar Mortgage, he said he would contact them, correspondence is attached. Today I called and spoke with another Customer Service Rep at NationStar Mortgage- XXXX in XXXX , AZ . She said all that I was told was incorrect- she said once an account is put in BK it is never removed and all correspondence is stopped to the borrower, so, I will never get a receipt or anything that I have asked for, when I told her that was incorrect she said " you want to speak with a manager? " I said yes, she transferred me to someone 's Voice Mail and I did not even get their name- just a message stating- Have a Good Day. As you can see despite paying them {$8600.00} and having {$1700.00} in my suspense account, they will not cooperate and hence my complaint. 
I have another issue that I will file a separate complaint on- NationStar Mortgage has sent me XXXX different Form 1098 showing the Mortgage Interest paid for XXXX, all of them are wrong. They have refused to correct that document by telling me that it is correct already.
Product: Payday loan, title loan, or personal loan

XX/XX/2020 I answered a call from the lender about my past due balance and advised them to pick up my car because Im unable to pay the amount. The collection manager was rude and stated they didnt want the car but want me to pay. I hung up on the person. They call at least 8 to 9 times a day using various numbers starting as early as XXXX my local time in AZ. which has began to be harassing.
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$840.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Owed XXXX {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I was told my XXXX payment was returned so I immediately paid it up. I have never been late besides that payment otherwise just a few days past due dates on some payments, but still not late technically I was notified that once 3 payments were made on time that the credit would be reinstated. After I paid they then said it was closed and too bad so I made that payment for no reason I want them to return my payment and negotiate with me
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX - XX/XX/XXXX ( Original Creditor : XXXX ) XXXX {$280.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Statement Due Date of XX/XX/XXXX, for New Balance of {$400.00}. 
1. Actual charges on statement are {$97.00}.

2. No other charges are listed.

3. XXXX through XXXX Statements ALL have been paid on time. I have ALL Statements for XXXX, and NONE list any Fees, Late Charges, interest, and ALL show NO " Past Due Amounts. '' I always pay the FULL AMOUNT to avoid interest. 
4. I have my XXXX XXXX 's Statements showing ALL checks were deposited/cashed by Chase Card Services .

5. I telephoned Chase Customer Service, XXXX times today, XXXX XXXX. I was disconnected by a " XXXX '' after the usual virtual " Customer No Service. '' Next call, I got thru the virtual no help, to a " XXXX. '' After explaining the problem, she transferred me to a Supervisor. While on hold, I was again disconnected. 
6. Since this is a " Slam Dunk '' mistake on Chase, one has to wonder if they are " skimming/Embezzling/ or outright Fraud as XXXX XXXX did ?
Product: Credit reporting or other personal consumer reports

I'm rewriting to complaint to EXPERIAN about the unauthorized inquiries on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft also this complaint includes unverified and incorrect information the accounts. My address is XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX, and I go by XXXX XXXX XXXX XXXX My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint are XXXX and XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. 
This is a legitimate inquiry of information and declaring.
Product: Checking or savings account

this is basically a continuation of my Complaint # XXXX, why I would like the Consumer Financial Protection Bureau to know that bank of America did not uphold it's promise to release my funds. 

I also want the Consumer Financial Protection Bureau to know that bank of americas and its representatives lied to me and they all gave me 6 different reasons why they can not release the funds, and there was only one department which I spoke to a representative names XXXX that told me which documentation I need to email him and then he will release the funds. 

I want the Consumer Financial Protection Bureau to know that I have emailed XXXX several times again and again and there's no answer. I an being ignored. 

I will attach to this complaint everything which I also attached to and provided to Bank of America, and I ask the Consumer Financial Protection Bureau to please give it over to bank of America.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Debt collection

I am filing a dispute in regards to incorrect items on my credit report. On XX/XX/XXXX an account was opened in my name as a result of identity theft. I have filed a report with the FTC XX/XX/XXXX and after their investigation this item has been deemed as a result of identity theft and has since been removed from my XXXX  credit report. The balance of this account is {$2100.00}
Product: Checking or savings account

Navy Federal Credit Union has illegally frozen access to my online account and frozen access to my funds in my savings account as an attempt to collect on a debt. As I understand it, this is something NFCU was previously accused of doing and they were required to pay a settlement to the affected consumers. NFCU is still using these illegal practices to threaten me into paying an alleged debt. They will not give me access to the funds held in my NFCU savings account without paying off the alleged debt or making an arrangement to pay. I was told that even if I made an arrangement to pay, I still would not have access to my account. None of my online banking works, I've been locked out of it for over a year. Their claim was that I gave someone access to my account so they locked me out when I was the one that called them about my account being compromised. I just want to be able to withdraw my funds from the bank. It is illegal for Navy Federal to withhold my funds in my savings account as an attempt to collect a debt. I demand that the funds be released to me for withdrawal immediately. 

https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-navy-federal-credit-union-pay-285-million-improper-debt-collection-actions/
Product: Credit reporting or other personal consumer reports

This is my second letter concerning the incorrect credit reporting on my file. I am writing to dispute the inquiries listed below, which are a result of this error. These inquiries do not relate to any transactions for goods, services, or money that I have authorized. Therefore, I respectfully request the immediate removal of these erroneous inquiries from my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXXXXXX XXXX XXXX XXXX XXXX Equifax XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, WI XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX BY A XX/XX/XXXX ; XXXX XX/XX/XXXX. These inquiries are completely unfamiliar to me. Additionally, the information regarding these inquiries has been removed by other credit bureaus, which casts doubt on their accuracy. The dates reported for these inquiries are also unclear to me. Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove any items opened without my knowledge, consent, or authority within four business days upon receiving ( XXXX ) appropriate proof of my identity, ( XXXX ) a copy of an identity theft report, ( XXXX ) identification of the disputed information by me, and ( XXXX ) a statement from me confirming that the information does not pertain to any transaction conducted by me.
Product: Mortgage

I have been receiving incorrect statements from Bayview since XX/XX/XXXX. I have emailed XXXX XXXX requesting corrected statements and she emailed XXXX XXXX apologizing that she had not replied and that she would look into it but I have not received a reply to my emails nor a corrected statement. 

Bayview has sent incorrect statements before but they have researched them and corrected them in a timely matter. This time it's been months. I have had to file a government complaint before. 

I am demanding in writing that Bayview corrects the statement. I have always paid extra each month and I pay at the end of each month. The statement should reflect that my account is current with XX/XX/XXXX payment owed. I send all payments overnight with tracking like I do all payments. XXXX payment will be mailed XX/XX/XXXX. I requested via email to XXXX XXXX to please notate the account.
Product: Debt collection

My credit reports shows I owe a debt of {$2000.00} ( Account Number # XXXX ) I repeatedly disputed this claim with CAPITAL ONE BANK several times via mail over the past 2 years, this is not my debt and someone opened a fraud account in my name. I have never signed a contract. Never received any paperwork from CAPITAL ONE BANK debt is belong to me.
Product: Credit reporting or other personal consumer reports

I am so exhausted I've been trying to correct things with Experian but it's no response no reply nothing! I sent so many letters certified and I still get no response.

please help me pursuant to 15 USC 1681i ( a ) 1 they are required to respond within 30 days or the items shall be removed. pursuant to 15 USC 1681i ( a ) 6 ( B ) 3 they aren't properly investigating these accounts.

please help me as these aren't my accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$28000.00} OFFICE OF THE ATTY GEN XXXX Balance Owed : {$390.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

XX/XX/XXXX - made a purchase of {XXXX} ( XXXX XXXX XXXX ) XX/XX/XXXX - made request to cancel service with Merchant. They agreed to refund the amount and sent a cancel confirmation. 
XX/XX/XXXX - refund not posted to my account. Contacted Merchant who provided copy of correspondence from their payment vendor XXXX that refund was being processed and to work with my bank to locate the funds. 
XX/XX/XXXX - initiated a dispute claim with XXXX XXXX Way2Go card company. 
XX/XX/XXXX - received correspondence in mail from XXXX XXXX way2Go card company dated XX/XX/XXXX stating that the Merchant provided documentation that indicates the transaction was correct and they denied my dispute. 
XX/XX/XXXX - contacted Merchant and they state that they did not dispute that the money should be credited back to me and that they provided no documentation to XXXX XXXX Way2Go card services. Merchant also stated that the {XXXX} had already been taken from her account by Way2Go XXXX XXXX. 
XX/XX/XXXX - contacted XXXX XXXX again to escalate my dispute and to request the documents that the Merchant provided ( as per their correspondence ). Spoke with 5 reps who all ask for Social Security number and who were of no help, laughing at my questions and hung up on me and stated that my escalated dispute was being denied. 
XX/XX/XXXX - received correspondence from XXXX XXXX way2Go card dated XX/XX/XXXX stating that the dispute was denied and the documentation included were documents that I faxed to them to sustain my claim. There were no documents from the Merchant included that they state were used to deny my dispute. 

Below are the transactions on my account for the {XXXX}. There were 3 transactions on my account on XX/XX/XXXX - XX/XX/XXXX, XXXX. 

XX/XX/XXXX - Purchase {XXXX} XX/XX/XXXX - Reversal Credit {XXXX} XX/XX/XXXX - Reversal Debit XXXX XX/XX/XXXX - Provisional Credit {XXXX} XX/XX/XXXX - Provisional Debit {XXXX} If my dispute was denied by XXXX XXXX Way2Go and taken from my account and the money was already taken back from the merchant and they do not have the money, who has my money and where is it?
Product: Student loan

Navient has private interest rates on my loans set for 13.25 % I have almost {$50000.00} in private loans, its been at this high interest rate since I graduated. They tell me, they don't set the interest rates, there is nothing they can do. This company is a virus, they make it so you can only pay interest and nothing happens to the balance. I have tried everything with them but my credit score is too low to refinance with another company and I can't find a co-signer that works either. I have been out of school for 6 years, I have a good paying job I am an XXXX - what they are doing is criminal.
Product: Money transfer, virtual currency, or money service

I was a victim of a scam by buying product online, paying for it using Zelle, and never receiving the product. I opened a complaint with my bank, and was told there is nothing they could do. I also filed a complaint with FBI, no response either. 

Details : Platform : Zelle Transaction Date : XX/XX/year> Transaction Amount : {$620.00} Victim Bank Name : XXXX XXXXXXXX XXXX Recipient Name on Account : XXXX XXXX, XXXX I'm a member of a XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX & XXXX Owners Group ( XXXX ) '' ( XXXX XXXX XXXX XXXX XXXX XXXX ). Another group member, XXXX XXXX ( XXXX XXXX XXXX XXXX ) posted an item for sale - BIOR step sliders ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for {$500.00} + shipping cost ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I contacted her over XXXX XXXX on XXXX around XXXX  XXXX XXXX, where I provided my home addresses to calculate shipping cost, which came to {$120.00}. We've agreed that I will send money using Zelle, and she will ship the product the same day, XXXX. She provided an email address for Zelle, XXXX, which was, according to her, her husband 's, XXXX XXXX, and I transferred {$620.00}. She confirmed that she received the payment, and will update me when she ships the item. I haven't heard from her since then despite contacting multiple times over XXXX XXXX. 
I filed a scam claim with my bank, XXXX XXXX XXXX. Claim # is XXXX
Product: Mortgage

This is a follow up to complaint : XXXX The servicing company GMFS customer service has been extremely unhelpful throughout this process. My husband and I are trying to payoff his parents mortgage which is held by XXXX XXXX and serviced by GMFS. Every time we call we are getting the run around and not any guidance or ways to help. We were able to resubmit the wire since XXXX withdrew the wire due to lack of all of the information. My husband resubmitted the wire and got confirmation that it was accepted. He then called GMFS to confirm receipt and they said it could be 24-48 hours to give us any information as to if they even received the {$57000.00} in payoff. I am so frustrated with not having anyone truly help us confirm anything. 
After my calls on XX/XX/XXXX inquiring and looking for guidance which I got some rude customer service rep for the 4th time, I received a text from a XXXX which is an Arizona number right after the customer service rep ended our call. She text the words " XXXX XXXX XXXX and when I responded pretended to not know who this was. I can confirm the call center from GMFS is in Arizona. I am attaching the text and also all of the other information to the original complaint. The woman the I spoke to that I think was the name XXXX or XXXX. She would not give me her NMLS ID or last name.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have had an credit card account from 2003. After I have obtained my credit card account the original bank of XXXX was merged into Bank of America. Prior to that occurrence, I was late on a payment which I was penalized with a rate increase. This was over 10 years ago. I am current paying a rate of 26.24 %, and have been for over ten years. I have made on time payment every since that late payment, over 10 years ago. I have attempted to get an interest rate reduction, but informed there is nothing available for me. I believe that is absurd. I ca n't be provided any reason as to why that is. This is unfair, I have been making payments where approximately XXXX % goes to bank of America. I would have never chosen in the first place to get a bank of America credit card, as I have disliked their services for years ; and this is a perfect example why I dislike bank of America. BOA has needs to reanalyze how they do business and how and by whom their decisions are being made when involving their clients/customers, as it is them that keep them in business. There is not need to take advantage.
Product: Credit card

On XX/XX/year> I bought tickets to an event for {$73.00}. The event has a no refund policy for inclement weather or any other reason for not attending. There was inclement weather that day so I decided to go anyway. We got there, and none of the services they were supposed to provide were open ( no photo ops, no shows, most rides were closed ). Then they kicked us out early and cancelled the event. Of course it was in person, so I have nothing in writing. Except my emails to contact them ( no response ), and extensive reviews online of other patrons angry for the same reason. I opened a dispute with AMEX. It was denied. I opened it again. Also denied. And the customer service agent on the phone this last time was extremely rude, and completely unhelpful. I pay a decent amount for that card, and theyre supposed to help the customer. Not other businesses. I was told since i have nothing in writing from the merchant about cancellation, they wont refund me. That seems illegal given Im disputing the services received. Since I was unsatisfied with them. How can I fight this?