23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We are writing to ask for your help in our situation with Nationstar Mortgage. Last year we decided that it was time to sell our home, we no longer can afford it, it had taken almost all our retirement funds trying to save our home by waiting for the value of our to go up enough to sell it without having to pay out pocket expenses related to the sale. Here in XXXX XXXX the market had not improve enough for that to happen. We hired an real estate agent to sell it, that is when we found out that the value of our home is still under water by about {$18000.00}. She advised us to file for a short sale, we did that in XXXX of 2014 and as of this date we have not received any communication from Nationstar Mortgage. They told our agent that FHA approved a loan modification, we have never received any detail or written notification from them regarding this decision, maybe it is your a tactic to delay it. We are worry that this is going to end in a foreclosure. 

Here is our problem, following the advise of our agent, we stopped making payment for two months, they place the rest of the payments that we made in an escrow account and blocked us from making payments electronically, meanwhile they sold our loan to XXXX of Florida. They will not return our phone calls or communicate with us at any time of this process, the only contact phone they provide is a call center with voice mail never a human and we leave message after message and they never return our calls. 

Please help us, we are seniors with very little money left, my husband is XXXX years old and I am XXXX, we can afford to fight these people that are in the business to screw the consumers. 

Also I would like to tell you that for the beginning of this process we have a serious offer of {$190000.00} which has not been accepted nor rejected, plus they have been many interested buyers.
Product: Credit card or prepaid card

My debit card was lost and then about 10 minutes after I realize that I lost a debit card I got a notification on my phone stating that my card was used at a local retail store and was charged {$150.00} I contacted the store they did nothing about it I contacted my bank they told me that we're going to do an investigation we can't give you provisional credit so you're just out of luck for a whole nother month and basically I'm out of {$150.00} I did a police report when I contacted the police they told me oh okay we could go and see and look at the surveillance but we can't show it to you because I need help
Product: Credit reporting or other personal consumer reports

Please be very mindful to remove all of the following accounts that is listed in the files below. My identity has been stolen and used against my rights. I would like for Transunion to carefully review my complaint and provide me with an feedback soon as possible.
Product: Checking or savings account

NetSpend sent a Debit Card to me with my full legal name on it stating it needed to be authorized to be used. Called to verify if this was promotion or if this was a form of identity theft. XXXX calls, multiple transfers, XXXX different answers. It ranged from " Yes its fraud and the account was closed '' to " It might be a promotion, but we can't provide you any info '' to " You need to file a police and FTC report and send us this plus your photo ID '' ( I don't know this company so why would I send them my license? ). Even though I'm physically holding this card and can provide the full number, name on file, etc. Also was told my Social Security XXXX  was used to open this account however their automated system says that XXXX  doesn't exist in their database.
Product: Student loan

The customer service provider of the loan issuer isnt providing the adequate details on what the credit score minimum requirements to be elligible for their cosigner release program along with the 12 month payment requirement but simply just denies the cosigner request without providing these adequate important details so that the customer has an idea on what is required with a minimum credit score instead of just postulating on that particular credit score number. I 've been denied twice as a cosigner loaner with AES with this terrific customer service as countless others can concur to as well.. The issue of the payment is a concern to the customer service provider and the loan issuer.
Product: Mortgage

Starting in XXXX, I made a large number of additional principal payments to my mortgage company, PNC mortgage. Due to an incentive offered by a bill pay servicing company, my payments were all individual checks, mailed via USPS, in the {$250.00} range each. I asked PNC to itemize each incoming payment individually, so that I could properly reconcile my account and verify that all payments were received and properly applied to my account. They refused. In total I asked 3 times that each separate check be given a line on my statement, but they continued to refuse. I can not properly verify my payments without knowing if each check was received and credited. 

Here is a copy of the first email I sent them : XXXX Message Detail Subject : Payment Inquiry Date : XX/XX/2018 Message : Hello, I am making a series of payments in the {$250.00} range toward my principal. When they get lumped in together I can not reconcile my payment account and confirm that payments were correctly applied. Please give each check a line item. Thank you. 
=========================================================== Here is their reply : =========================================================== Subject : Re : Payment Inquiry Date : XX/XX/2018 Message : Dear [ redacted ], Thank you for your email inquiry concerning your PNC Mortgage loan. Please be advised, due to the quantity of payments received at such a rapid rate we're unable to apply each check as an individual line item. However, if you feel there has been any sort of error regarding your payment, please send a written dispute to ; PNC Mortgage XXXX XXXX XXXX XXXX XXXX, OH XXXX Thank you for the opportunity to be of service to you. If you have any further questions, please call one of our Customer Service Representatives at XXXX, or respond to this message. Customer Service Department PNC Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- To : CSR Agent Subject : Payment Inquiry_Hello, I am making a series of payments in the {$250.00} range toward my principal. When they get lumped in together I can not reconcile my payment account and confirm that payments were correctly applied. Please give each check a line item. Thank you. 
============================================================= I am asking that I get a proper reconciliation showing each check that was deposited into my account to pay my mortgage. This is necessary to properly validate payment and reconcile my accounts. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted letters in XX/XX/2017, XX/XX/2017, XX/XX/2017 .... These companies still have fraudulent information on my credit report.
Product: Credit reporting or other personal consumer reports

Experian and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX inaction violates federal law and my rights.
Product: Debt collection

2-3 times weekly calls from XXXX and XXXX re : debt collection that was not correct. Company calls with robocalls and live body calls. Not specific with messages left.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. These account are reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. 

( XXXX XXXX, XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the accounts listed below, which appeared on my credit report without my authorization following a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting that these entries be removed to prevent further harm to my credit. 
Accounts : 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
Product: Student loan

On or around XX/XX/XXXX, XXXX XXXX, now known as Navient refused to release me as from the private student loan. I was listed as the student and mt grandmother was listed as the borrower. My grandmother passed away on XX/XX/XXXX and despite continued efforts, XXXX XXXX stated the loan would automatically be transferred over to me and I was now responsible for the debt despite this being a loan that I took out. Prior to my grandmother 's death, she applied for XXXX as she was XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Navient, previously known as XXXX XXXX has continued to go after me for this debt, even upon a bankruptcy which was XXXX in XXXX. There was a class action lawsuit filed and I received no notification. When I contacted Navient, they advised that if I was part of the settlement, I would have received notification and when asked about the details, I was denied information surrounding it to determine if further action was needed on my end. I am now pending default as they refuse to work with me regarding the PROPER steps to take.
Product: Student loan

I had to pay {$100.00} in XXXX, as I was on an income based plan. Then administive forbearance until XXXX. When I am checking my account now, it says in in the standard plan and it'll be over {$600.00} a month, which I can not afford. I've reached out via email and have not got a reply, and the phone number they give has an unreasonable wait time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter off certified, the tracking numbers are XXXX, XXXX, XXXX. 

I told them to investigate every single account on my report and the credit bureaus stated all accounts listed on letter was properly investigated but how if all information is inaccurate, including name, address, last active, date opened, and last reported. They also informed me that all address were removed that I informed each credit bureau was inaccurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting can not furnish an account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Product: Vehicle loan or lease

I have looked over my car contract and have found numerous federal law violations. Taken where a finance charge was involved. Furthermore, I entered into this contract taken which paid for the car. They have willingly uninformed me of these One thing about a contract is FULL DISCLOSURE 1. There was no full disclosure of my rights to rescind. 
XXXX. Failed to let me know my contract was a financial asset that paid for my car once I got it. 
XXXX. Misrepresentation of the finance charge. It is illegal for a dealership to take cash where a finance charge is in existence. Downpayment, Insurance, Fees out of pocket. 
XXXX. Failed to disclose the monetized promissory note that I signed paid off my vehicle but lied and told me a financial institution gave me a loan. 
XXXX. Told me I needed a downpayment and a certain fixed of cash down. 
XXXX. Nowhere in the contract XXXX XXXX XXXX is the lender and i have no contractual obligation with XXXX XXXX XXXX which is Auto Dealer Fraud, Securities Fraud, Wire Fraud and Mail Fraud. 
XXXX. Illegally Ignored my debt validation request and demand for proof of claim. 
XXXX. Illegally Repossessed my vehicle during debt validation of Fraud during investigation The Company Committed Fraud in this Consumer Credit Transaction and has violated several federal violations. When reading the contract, it says only me and tesla. Nowhere in the contract does it says XXXX XXXX XXXX is the lender. This is deception and deceptive business practices. I was deceived to pay over XXXX to a company I have no contractual obligations with and not to mention the vehicle was already paid in full by the monetized Promissory Note. 

I want this inaccurate information removed from my consumer report immediately because it is damaging my ability to obtain future credit every since XXXX XXXX auto that i have no contract with is reporting late payments on my consumer report. Nowhere in the contract XXXX XXXX XXXX is in the lender. Attached are supporting documents in a XXXX
Product: Mortgage

FELONY THEFT ... 4TH OFFENSE ... NATIONSTAR DBA MR COOPER .... 
Let the record show that Nationstar once again collected 3 house payments ( XXXX, XXXX, XX/XX/2019 were paid ... evidence attached ) but stole the XX/XX/2019 payment to once again pay for fees it illegally added 3 years ago in defiance of an agreement they put in writing in a CFPB filing .... A reminder ... Nationstar identified loan origination fraud perpetrated by XXXX XXXX XXXX XXXX XXXX. On the phone and via email, Nationstar pretended to comply with loan cancellation ... they asked for the full 90 days from the CFPB ... and they foreclosed behind the consumer 's back even though the CFPB was copied the whole time via the Whistelblower email. It was not even close to compliance but Nationstar put in a CFPB filing that they agreed to honor the lower payment that was given to the defrauded consumer for the three months Nationstar stalled ... and the loan would be current ... We paid the full amount ... But Nationstar is a crime wave so they had to get the money back and try to steal the home ... that is their business plan ... to feed XXXX XXXX their auction service ) while processing fraudulent closings, including properties they never owned, documented from Title 365 via email ... hard evidence of selling homes they don't legally own using shady portfolio transfers through Title 365, the Title Co they also own, Nationstar then added almost {$2000.00} in illegal fees in this case, add that to the {$4000.00} in stolen payments ... and we cross the {$5000.00} threshold for FBI intervention. Nationstar needs to be fined. Their CEO and their employees need to be Federally prosecuted. The average consumer simply loses the home and they auction it off. Nationstar/Mr Cooper should not be allowed to touch any Federal loans. I have copies of illegal and fraudulent demand letters as recent as 2019, and this is the 4th time they have stolen a house payment ... the three previous payments were reversed only after complaints to the CFPB. I have repeatedly documented the criminal acts and consumer fraud ... and this is all part of the big money winner ... Defrauding the U.S. Government, PMI and FHA .... The CFPB needs to take every complaint against Mr Cooper seriously .... they are a crime wave that needs to be eliminated .... the people are being robbed. They have no police force to call ... They need you to fine them heavily to send a message ... " Don't lie to the CFPB or consumers '' ... right now they freely lie and deceive both. I have evidence. You have evidence ... spoon fed right to you ... HAPPY HUNTING
Product: Mortgage

This a my second complaint against Wells Fargo Home Mortgage. The reference number for the first complaint is XXXX, which was resolved by Wells Fargo, but it now appears I am being retaliated against because of that complaint. 
I applied for a VA home loan in early XXXX. My credit history is flawless, my debt to income ratio is low, and I have substantial assets to back up my mortgage. And, I have timely complied with every single document request from the loan processor, even though on several occasions I was asked to submit documents that I had already submitted. In addition, I made it absolutely clear to everyone involved in my loan review at Wells Fargo that I was on a very tight timeline to complete the loan by XX/XX/XXXX ( the scheduled close of escrow date ). I believed two full months to approve a loan was reasonable. Unfortunately, two individuals, my loan processor and my underwriter, didnt seem to agree. 
Its important to state that I am also in escrow on my current residence and must vacate by XX/XX/XXXX. 
Notwithstanding the facts that, my loan processor was unavailable for two weeks during my loan review, the underwriter was unavailable for a week at a critical time during the review, the underwriter waited until the last minute to ask for things that I could have provided in XXXX, and the underwriter requested unnecessary and irrelevant documentation - all of which have delayed loan approval. Yet, things would have been fine - had the underwriter not decided to sign off early on XX/XX/XXXX. 
On that date, by XXXX in the afternoon, I had finally been able to comply with ALL the underwriters demands for documentation. According to the two Wells Fargo loan consultants working my file ( XXXX and XXXX ), my loan should have been cleared to close on XX/XX/XXXX. However, the underwriter left work, early knowing full well that I was working hard to meet her demands so Id have enough time to ( barely ) close my escrow by XX/XX/XXXX. ( At that point, I was basically facing being without a place to live as of XX/XX/XXXX. ) I can only assume, at worst, that the underwriter intentionally delayed the clearing of my loan to retaliate against me for my previous complaint. At best, its a demonstration of callous indifference for the hard work Ive done to meet all her demands, both reasonable and unreasonable, as well as the hardship Im facing due to the delays she and the loan processor have caused. 
I realize that, by the time this complaint reaches the Wells Fargo executive team, l will have already been without a place to live for several days, at least. However, what Ive had to go through with my Wells Fargo loan process, needs to be addressed. 
Thank you.
Product: Debt collection

Convergent outsourcing is misrepresenting debt and wrongly reporting to all credit reporting agencies. They are claiming a debt that I disputed with the original creditor in XXXX is new in XXXX of XXXX. I've never had one piece of communication with this company, convergent outsourcing, and never been given any proof I have any business with them. They have provided me with nothing and lied saying this debt is from XXXX of XXXX. This is all lies and they are misrepresenting debt to gain financially from others. This is the very definition of a crime.
Product: Credit reporting, credit repair services, or other personal consumer reports

In According with the Fair Credit Reporting Act, 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent account and inquiry listed below from my credit report. I am a victim of a data breach, and these items were added without my knowledge or authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed as they are the result of identity theft. 
Fraudulent Account : XXXX - XXXX - XX/XX/XXXX - {$4900.00} Fraudulent Inquiry : XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Company performed a hard inquiry that I need removed immediately unless they provide proof of my authorization.
Product: Debt collection

Subject : Dispute of Harassment and Request for Investigation Dear Jefferson Capital System, I am writing to formally dispute and request an investigation into the harassment I have been experiencing from Jefferson Capital. I believe that the repeated and unlawful communications I have received constitute a violation of federal and state laws, and I am seeking your assistance in addressing this matter.

Summary of Harassment : Phone Calls : I have received numerous unsolicited phone calls from [ XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite my clear requests to cease all phone contact, the calls have continued. 
Emails : Additionally, I have been subjected to an excessive number of emails from [ XXXX XXXX XXXX XXXX  ] regarding the same issue, despite my efforts to opt-out of further communication.

Applicable Laws : Fair Debt Collection Practices Act ( FDCPA ) : Under the FDCPA, specifically 15 U.S.C. 1692c ( a ) ( 1 ), a debt collector is prohibited from contacting a debtor directly if the debtor requests no further communication. Additionally, 15 U.S.C. 1692d prohibits debt collectors from engaging in conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. 
Telephone Consumer Protection Act ( TCPA ) : The TCPA, found in 47 U.S.C. 227, restricts the use of automated dialing systems, prerecorded voice messages, and unsolicited calls to consumers, particularly if such calls are made to a cellular phone without consent.
Product: Payday loan, title loan, personal loan, or advance loan

Provided a $ XXXX loan at XXXX % interest rate XX/XX/22 over the phone. 
This interest rate was extremely over what my credit rating was. I was assessed an excessive interest rate I was not offered the payment protection plan. 

I stating discriminatory practices as a person of XXXX and gender. 

I've had a almost XXXX  year history with this bank at that time. Never late on any account. There was absolutely no reason that I was accessed this rate. 

I had to deal with my daughter who was in and out the hospital due to XXXX and referral for XXXX XXXX. This is a credit union that offered me higher interest rates than XXXXXXXX XXXX and XXXX  How is that?
Product: Credit card

Wells Fargo has a credit account that is not mine. I called and told them it is not my account and now I got a letter saying am responsible. I have a credit card with Wells Fargo and in my banking app there is another card on the bill that is not mine. 
I told them it is not mine and it is NOT on my credit report. I have 15 credit cards and I can see all of them on XXXXXXXX XXXX  and this one is not there, I tried to explain but I didnt get anywhere.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information.