23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had written you prior to inform you that XXXX XXXX XXXX had practiced deceptive practices regarding my home loan when I fell behind. XXXX admitted that they mistakenly mixed my loan with someone else and gave me the wrong reinstatement amount of which I paid. XXXX demanded several XXXX more from me and intern refused ongoing payments. BAC also refused me a modification. They considered me a troubled loan and sold me off to Nationstar. In XXXX I had a medical hardship and asked for a modification. Nationstar forced my hand while I XXXX and offered me a modification that did not decrease my interest rate. The interest rate remained at my XX/XX/XXXX ( year I bought my home ) of XXXX and they extended the years of payment to 40 years ( I had 10 years left on original plan ) and my mortgage payment did not change from the {$1600.00} amount that I had been obligated to pay. In essence, Nationstar set me up for failure given my delicate circumstances during a bitter northeast winter. Not to mention having a minor child to raise. XXXX and Nationstar has violated the XXXX XXXX XXXX. XXXX XXXX has recently profiled my neighbor who is facing foreclosure by Nationstar and XXXX ( XXXX XXXX ) wrote an article about the ongoing criminal foreclosure practices by Nationstar and others. I have been featured in XXXX XXXX XXXX XXXX talking about my foreclosure plight during the XXXX Annual meeting. I was XXXX of a few to have a special meeting with secretary XXXX XXXX talking about the foreclosure crisis in XXXX XXXX, CT. In her victory primary speech of XXXX, she referenced me as the XXXX from XXXX XXXX. I am fighting to save my home from foreclosure so that I can leave a legacy to my children since I am the first generation home owner from my family. I have been awarded XXXX payments but there is still chance that a may loose my home because according to the XXXX article, these lenders just do what they want right under the nose of our so-called elected officials who has no interest in helping the poor and middle class. Nationstar has tacked on so many fees that I owe them more money now than my house cost in XX/XX/XXXX when I purchased it. I demand that Nationstar take off deceptive fees, charges and if possible turn over my house to me free and clear. XXXX XXXX XXXX has mixed up my paperwork with others and I am not sure that any billed amount is correct. I want CFPB to investigate the deceptive practices of all the lenders who have held my mortgage. My mortgage was originally held by XXXX, then XXXX XXXX XXXX and now Nationstar. All of these lenders has played a part in illegally foreclosing on citizens. When are we going to get justice. My loan number is XXXX. Bt the way, I am XXXX years old so how does a 40year mortgage work for me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

I filed dispute on XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXXXXXX due to the the XXXX being paid in full and the other account were unauthorized charges.. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against Experian. This aligns well with my situation. Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as its affecting my chances of getting everything my family and I need to survive. Experian violates my rights as a consumer, as well as federal laws
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( 15 U.S. Code 1681i Procedure in case of disputed accuracy ). Specifically, an address that I have never lived at has been reported on my file, which I suspect may be linked to fraudulent activity. 

The fraudulent address that must be removed immediately is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Legal Basis for Dispute Under the FCRA 611 ( 15 U.S.C. 1681i ), you are required to investigate disputed information and correct any inaccuracies within 30 days. Additionally, per FCRA 605 ( 15 U.S.C. 1681c ), inaccurate or fraudulent personal information can not be reported.
Product: Checking or savings account

I opened an account with citibank - specifically checking and savings account under a promotion which they were running, The terms of the bonus was to open a citibank account package between XX/XX/18 - XX/XX/2018 and within 30 days deposit {$15000.00} to new checking or savings account and maintain the balance for 60 days - Get {$400.00} deposited to your account. 

I opened the account package on XX/XX/2018 and funded my savings and checking account with {$100.00} and {$15000.00} respectively on XX/XX/2018. It has been over 90 days since I satisfied the conditions of the offer and I am yet to receive the bonus. I did chat with the customer service twice and I was given different information both the times. Once I was told it is not 60 days and it is 60 business days. The offer does not says 60 business days and it is clearly 60 days. The other time I was just told to wait. 

It appears Citi is just giving a run around for their customers and not honoring their promotion. I have all evidence that I satisfied all terms of the offer. I would like to get my bonus ASAP
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 


Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit XXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by ( XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit XXXX  are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Mortgage

Spanning over 2 years Navy Federal Credit Union ( NFCU ) mishandled documentation related to my mortgage account that resulted in inaccurate negative reporting to my credit report. In addition, NFCU 's mishandling resulted in 2 shorts sales falling through and then, only due to my retaining a lawyer to act on my behalf, did NFCU even begin to process a Deed in Lieu of Foreclosure under their " Borrower Assistance Program ''. The last correspondence received from NFCU approved a Deed in Lieu of Foreclosure. Following this, my lawyer and I heard nothing until I was served documentation advising that I had not appeared at a foreclosure hearing. I was not even notified that the property was being foreclosed upon. My lawyer was able to appear at a subsequent hearing where I was relieved of personal liability due to deficient notice. NFCU then reported on my credit reports that the property had been foreclosed upon - this is not the case, as I never received notice from them that the property was being foreclosed upon. To this day, I have not received anything that states the property was foreclosed and now belongs to NFCU. I need this foreclosure entry removed and a copy of a statement providing that the property now in fact belongs to NFCU. As a lender who primarily markets themselves to military members, the manner in which my account was handled was absolutely unacceptable and has had devastating effect on not only my credit reporting, but also my personal life. The XXXX and XXXX whilst on XXXX has been significant and only because of my retaining of a lawyer, did NFCU even respond to me after almost a year and a half of me trying to work with NFCU on my own.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX Account Number : XXXX - Here is my issue, this is an except from an email I sent to someone at the bank XXXX XXXX XXXX XXXX purchased my mortgage, like many other mortgages early this year ( 2022 ). I realized this a little late and called customer support to get caught up with my payment and get put on XXXX XXXX ( there is a call recording ). The guy who helped me get up to date stated that I was all good AND if I wanted to set up auto pay I could do it online and then briefly went over the rules about autopay. One of the things he apparently mentioned on the call was that I need to set up autopsy before halfway though the month to go through for the next month I thanked him for helping me with my cross over payments and jumped on the call. Several days later I went online and set up auto payment for the next month. In fact, when I set up auto payment I got a green indicator light telling me my auto payment was in fact set up for the next month. Fantastic I though, now I dont have to worry about manually going in and process the payment next month, everything was kosher. So I thought Well about 17 days into the next month I get a notification from my credit reporting agency that my credit score has dropped XXXX XXXX  for not paying my mortgage. I thought, how could this be. I took the time to set autopay up online, I even called support to help. So I logged in and saw autopay was still on, green lit, but apparently my payment did not go through. I wondered why, since I have over XXXX in my bank account. I called support and immediately they told me I we passed the cut off date to set up online payment automatically. So I was wondering how the holy XXXX did the site give me a green light and let me set it up. Anyways, there is a call recording. Multiple calls and they refuse to remove this from my credit report. For something that is clearly an error on the part of the bank. My next step here is suing the bank. I hope the CFPB can help get this removed from my credit report.
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 : XXXX Account Number:XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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: Debt collection

Hello, On XX/XX/year> I have received a letter that i owed a alleged debt in the amount of {$13000.00}, I have requested the all of the information regarding to the alleged debt the collection agency only gave a partial of all the required information that i requested on XXXX different dates of XXXX, and XXXX, and as of XXXX they have reported to XXXX that the collection company is the original Creditor including that they have open the collection attempts in XXXX which i was never notified of that until the date listed above and it has hit my credit in very negative way, in addition i was still haven't received any information i have requested dating back to XXXX.
Product: Debt collection

I have no knowledge of this account in collections but they call and send verbal threats on my voicemail late at night or early morning and keep putting false information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

All three Credit Bureaus. TransUnion, XXXX, and XXXX are reporting inaccurate information regarding my account with XXXX XXXX XXXX, XXXX. XXXX and account balance are inaccurate. 

Both XXXX and XXXX has responded, but TransUnion has not responded from last compliant on balance and XXXX reported. The balance of {$4900.00} is inaccurate and the XXXX is inaccurate. 

All information provided will be used along with this complaint against all three Bureau in legal action big not corrected ASAP. I'm a litious consumer. This is a violation of my consumer rights and has affected my credit report and credit utilization negatively.
Product: Credit reporting or other personal consumer reports

There are unrecognized accounts on my credit report that do not belong to me. I suspect they may be due to identity theft or fraud.
Product: Checking or savings account

I was approved for a Truist checking account on XXXX XXXX XXXX with a {$400.00} bonus promotion code. That code required me to have a {$500.00} direct deposit as well as make 15 transactions with a debit card all within 90 days to qualify for. 

However I didn't receive a debit card for the account. 45 days later I called in to ask where my debit card was and they said there was an issue with funding the account and so it had XXXX dollars and thus was inactive and never got a debit card sent at all. I was told to transfer some money over and it would become active and a debit card would be sent. I put in the money that day around XX/XX/XXXX. 

I waited more and eventually called back in today Wednesday XX/XX/XXXX. They said that I had to order the debit card and that's why one wasn't sent. Now I have never had a bank not send me a debit card automatically. How am I supposed to know that if they don't say so? They just said out money in and one would be sent. 

Now a debit card is coming but it won't get here in time to be able to use the card for 15 transactions to post before the promo period expires XX/XX/XXXX. 

I called in again and had a XXXX hour phone call through multiple people trying to get an extension since this wasn't my fault and now I have a checking account I wouldn't have signed up for and hit my XXXX with an inquiry without the bonus. Eventually all of them said there was nothing they could do despite it not being my fault and being sorry. This is fraud to offer someone money to open account and then not give them the tools to meet the requirements. Especially something as fundamental as a debit card. 

Eventually they hung up on me. XXXX minutes later the supervisor I was working with called back and I missed it. I tried calling the number she left in her voicemail but it just took me to generic service and they couldn't get me back to her without another XXXX minute hold. Given success so far I said I was just going to file a CFPB complaint and skip that pain. So here I am. 

I just want to meet the requirements to get the money like we agreed.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX. I do not have a contract with XXXX XXXX XXXX I am not liable for this debt with XXXXXXXX XXXX XXXX XXXX XXXX  I do not have a contract with National Credit Systems
Product: Payday loan, title loan, personal loan, or advance loan

Hi! I took out a loan with Fundo LLC in XX/XX/year>. I have struggled to make the terms of repayment because of health issues that have limited my ability at times to fully work my second job. This company is threatening me and I believe is highly predatory and deliberately did not charge my acct at the time I told them to last Friday so that they could then tell me my acct was on default in a message today, XX/XX/XXXX. That allows them to charge me massive fees. We had a payment plan set out for each Friday. They are threatening to take 30 percent of my wages. Please help me. This company is highly predatory
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX Date of payoff. XX/XX/XXXX BEST BUY/CBNA Date of settlement payoff XX/XX/XXXX Ive challenged this account several times with no response. This account does not belong to me as I have never had XXXX XXXX. I have provided proof of this as well as submitted FTC affidavits, yet it is still reflecting on my report. IT NEEDS TO COME OFF XXXX  and Best Buy were both paid off in a settlement with the agreement that those accounts would remove them from my report. 

These are a list of Inquiries on my report that I have no knowledge of. I have never applied for jewelry financing and I have haven't bought a car since XXXX yet there are a list of Auto Financing inquiries on my report.. 

XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX Jewelry/Cameras
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 : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 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: Prepaid card

I was recently awarded benefits from the Dept of XXXX XXXX which were deposited onto a XXXX XXXX card. I have tried multiple times unsuccessfully to transfer these funds into my own personal bank account. After encountering difficulties with this process, I called the XXXX XXXX customer line and was unable to resolve the issue even after escalating the call to a supervisor. 

The information XXXX XXXX requested has been emailed to the address they provided ( XXXX ) three times without a response on if the request was received, accepted or even denied. At the time of filing this complaint, I am unable to fully access my own money. XXXX XXXX seems intent on denying me that right. The issue remains unresolved after speaking with 3 different agents, one being a supervisor.
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. XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX, XXXX 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 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. To Whom It May Concern : I recently received a copy of my consumer report and I noticed some accounts on my consumer report that should not be on there. These agency is in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified. In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : Listed of accounts to be deleted. The above Accounts are inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate.