23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We are existing Nationstar customers for a couple of years since XXXX XXXX XXXX sold our mortgage to them. At the beginning of XXXX of 2015, we applied for another loan with Nationstar ; we had other options, but decided to go with them since we are already their customers. We spoke with XXXX XXXX # XXXX ( XXXX ) and were immediately told we were approved and asked us to send a lot of documents, documents we sent to them immediately. Once they received the documents he told us it will take about 30 days to close on the loan. We then received an email from XXXX XXXX introducing herself as the loan processor. We waited 30 days and nothing happened, we called XXXX to let him know our contract on the house we were looking to buy was about to expire and that we needed to close the loan no later than XXXX XXXX, 2015. We waited until XXXX XXXX and our loan was still in processing, we called him several times with no response. I called from a different number and he answered the phone, he told me he had been trying to call us but that the calls did not go through because they were long distance ; I still ca n't believe a bank as big as Nationstar is does not allow their employees to call long distance in order to reach their customers ( we live in the same state, TX ) XXXX told me to contact XXXX to ask about the status of the loan, I called her, sent her emails and a month later I am still waiting for her to call me back. We called XXXX again several times ( we have all the call records and emails we sent them ) and he did not call us back. I then decided to call his Manager, XXXX XXXX at XXXX to ask about the status of the loan because the realtor could not wait any longer to sell the house. I called XXXX several times as well, and left her messages to call me back, well guess what? A month later, I am still waiting for her to return my phone calls. I called their " customer service '' department at XXXX and was told to contact XXXX, we explained to them we had been trying to contact him, but he was not returning our calls/emails. We were told, they could not provide any information to us and to call XXXX. We asked to speak with a supervisor and again we were told to contact XXXX, they said a supervisor was not able to assist us because he was not processing the loan. We do not know what to do, they asked for all of our information and we sent them sensitive information, I am starting to think they are not even a legit company.
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Hello I believe that I ' m owed a total of {$15.00} to my wal greens credit card which is issued via synchrony bank.

I did have all an offer added to my wal greens card card to get {$5.00} back per recurring monthly bill payments charges.The promo is good up to {$50.00} total by end of XXXX  year.I 've only be awarded a total of XXXX so far out of the XXXX {$5.00} earned on XX/XX/XXXX ( Which went to my XXXX XXXX  Payment on XX/XX/XXXX ) ( About 35 days to process ) {$5.00} on XX/XX/XXXX ( Which went to my XXXX XXXX Payment on XX/XX/XXXX ) ( 12 Days to process ) Which would leave XXXX more dollars I can earn with 8 payments for {$5.00} per re accruing payment for the rest of XXXX that I could earn. 

I have 3 payments they won't send the {$5.00} credit per transaction I made an auto payment for my phone coverage that cleared on XX/XX/XXXX for {$35.00}. ( XXXX XXXX ) I made an auto payment for internet/ cable service XXXX that did clear on XX/XX/XXXX. For {$49.00} I made an auto payment for my Phone coverage that cleared on XX/XX/XXXX for {$35.00}. ( XXXX XXXX ) However I still don't have the credits added to my account ( $! XXXX ). I do have some screenshots of proof of auto payments if needed along with screenshots of the Walgreens card offer itself.

The Walgreens offer was added to my card was suppose to be good on these re curing payments from XX/XX/XXXX until XX/XX/XXXX. 

I did try to Contact synchrony Bank via Chat on Tuesday XX/XX/XXXX. Spent about a half hour taking with them to get no answer just told me to " call Walgreens customer service " which makes no sense as the credit card, payments and offers are all with synchrony and NOT Walgreens. Please help me get my $! XXXX earned. 
Tried again to speak with a " manager '' On Thursday XX/XX/XXXX ( XXXX XXXX. Employee number XXXX ) he did nothing to help either. Didn't want to hear my issue, and wouldn't provide contact info for consumer affairs department for me to handle on my own. 
Leaves me no choice but to file this complaint If they don't want to pay the money they are advertising they should stop fir this misleading and false program. 
Please advise
Product: Mortgage

I recently applied for forbearance with my mortgage company which is MR COOPER and the options given to me was only 3 months. I was not given the option of my initial request of 6 months as my right under the CARES act. The wording of their guidelines also does make it appear that I have to pay the missed payments in full and not specify that by law my mortgage payments that is under forbearance should be applied at the end of my contract.
Product: Money transfer, virtual currency, or money service

I used the corporation SIGUE to send money to XXXX and the money was never available to get out The transaction date is XX/XX/23 at XXXX XXXX Amount of {$150.00} Transaction number XXXX Confirmation number XXXX Customer services does not answer, all I want is my refund
Product: Payday loan, title loan, or personal loan

I already returned my items on Afterpay
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint in regards to the erroneous accounts being reported by the Credit Bureaus on my Credit Report. I have read that the Credit Reporting Agencies are required to validate for themselves the information they report on a consumer 's Credit File under the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I previously submitted a CFPB Complaint last XX/XX/2022, requesting the Credit Bureau to update the payment history of the accounts in dispute. Upon reviewing my updated Credit report, I immediately noticed that the Accounts in dispute are still reporting as late on. If the Credit Bureaus chose to not comply with the law and does not correct the payment status of the following accounts, I will be forced to initiate legal actions. If it is not that too much trouble, I need the Credit Bureaus to correct the following accounts : XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$1400.00}
Product: Credit reporting or other personal consumer reports

LexisNexis continue to report incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX, PA XXXX there should be no other names or address listed on my report. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies 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, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit card

Since XX/XX/2020 I have been fighting with US Bank ReliaCard my pua which was put on a US Bank ReliaCard was compromise from XX/XX/2020 to XX/XX/2020 for 4 years now I've tried to get my money it was compromised for over {$18000.00} all of the transactions were done over the internet and out of the country they have ruled it not fraudulent but the problem is I called all the vendors and the vendors told me that they had to receive paperwork from US Bank ReliaCard saying that I had filed fraud on the transaction and that they could not reimburse my money because I could double dip and get money from them and US Bank ReliaCard I have written letters I have submitted paperwork I have done everything that I need to do on my end and I am getting absolutely nowhere I just talked to them the other day and they told me someone was supposed to call me back within 3 days no one has called me they have my correct phone number they have my correct address I made sure that I need my money it almost bankrupt me I received pua but I never got to spend any of the money I ordered new cards every time I got a transaction but the problem was the hackers had my routing and my accounting number so getting a new card did not do me any good because my account was still being hacked when I had a new card in the mail will you please help me get my money I really need it the email that is touched to my account is XXXX, the phone number attached to it is XXXX and the address is XXXX XXXX XXXX XXXX Ohio XXXX thank you I hope you can get my money back for me cuz I truly need it
Product: Credit reporting, credit repair services, or other personal consumer reports

These inaccurate addresses are reported on my personal credit file with XXXX and TransUnion credit reporting agencies. There is no name associated with these files. According to FCRA 611 you must report 100 % accurate and verifiable information in my personal credit report. Since this is a strict violation of FCRA laws I need these inaccurate addresses removed from my file. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX
Product: Credit card

Hi there, on XXXX/XXXX/2015 while I as in XXXX on a business trip I got Victim of a XXXX and I got XXXX, they took my wallet with all my credit cards, money and Id 's, cellphone, Jewelry ( XXXX ). These people got access to all my credit cards and made heavy use of it. I notified the police in XXXX police report # XXXX right after I was able to and also all the financial institutions in XXXX . for my surprise XXXX of my credit cards from bank of america XXXX master cards the fraud department is saying the transactions are valid and i 'm liable for.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX has false information and false reporting on my Credit report. The XXXX XXXXXXXX XXXX has not provided me any original documentation required under Section 609 ( A ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( A CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) and under Section611 ( 5 ) ( A ) OF THE FCRA-you are required to " promptly delete all information which can not be verified. The XXXXXXXX XXXX  XXXX has it reported on my report that the account was open XX/XX/XXXX marked payed/closed XX/XX/XXXX last payment XX/XX/XXXX. ITS stated on my report that this is a 39 month term from XXXX XXXX which would expire on XXXX XXXX which there are no miss payments in XXXX as reported in my credit report. ITS reporting that there was a miss payment XXXX XXXX, I am requesting Information regards to this late payment or delete this item from my credit report within 15 days of receiving this complaint.
Product: Student loan

Navient. When they became Sallie mae, I had many issues as far as interest rate. I would woukd get charged interest on loans that had 0 balance and to consolidate my loas put me so behind that I got charge more interest than the loan. Also I had issues with devry adding loans without my knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally has now decided to manipulate my credit report, the proof I will attach clearly demonstrates abuse and they should be fined for this. Companies should not be able to manipulate you in this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX RE : Request for Bankruptcy Removal from Credit Report To Whom It May Concern : I am writing to formally request the removal of a bankruptcy entry from my credit report as it no longer accurately reflects my credit history. The information reported is either outdated or unverifiable, and under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and fair credit report. 

The bankruptcy in question is referenced with the following details : Case Number : XXXX Date Filed : XX/XX/XXXX Court Location : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please investigate this entry and provide verification of its accuracy. If you are unable to verify the information, I respectfully request its immediate removal from my credit file. If the bankruptcy has exceeded the allowed reporting period ( typically 7-10 years from the date of discharge ), it must be removed per FCRA guidelines. 

To assist with your investigation, I have enclosed the following : A copy of my credit report highlighting the bankruptcy entry. 

A copy of my government-issued identification and proof of address for verification. 

Please complete this investigation and update my credit report within the legally mandated 30 days. I request a written confirmation of the actions taken. If no action is taken within this period, I may pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedies. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently just looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also have attached evidence. 

XXXX. [ XXXX XXXX XXXX & XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B. 

XXXX. [ XXXX XXXX Bank & XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B. 

XXXX. [ XXXX XXXX XXXX XXXX XXXX & XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint because Experian is committing violations to my rights as a consumer. I am demanding REMOVAL OF THE FOLLOWING FILE from my XXXX report : Bankruptcy filed. Reference # XXXX. Date filed : XX/XX/2015. 

THE BANKRUPTCY FILE HAS BEEN REMOVED FROM XXXX XXXX   and can no longer be reported by the bureaus. Experian MUST delete it from my report. I want my financial freedom back and it is my right to have your assistance. 

I expect this file to be off my report in the next 30 days. 

Please see attached XXXX XXXX deletion letter ( Page 5 ). T hank you.
Product: Credit card or prepaid card

Best Buy credit card by Citi bank. This is your demand letter. I demand you send me a confirmation of debt. Let me refresh your memory a legal definition of confirmation of debt is only the wet signatures. You sent me a incomplete bill statement. You said the debt was confirmed. I demand you tell me the name of the person, title, email address, mailing address, fax number, telephone number with extension if applicable, and how they confirmed it. You still have not answered my questions. If you can not provide the correct information not sending everything else to me you must discharge it. 

Here is a case number XXXX also known as the credit river decision. This case was about a man names XXXX XXXX who said the bank does not own his house because the money was created out of thin air with his signature. Also you need to show me the valid contract with two wet signatures. Can you provide this to me. 

I, :XXXX XXXX XXXX , Authorized Representative, am sending the coupon of the account summary to Citi bank as full payment of what you say I owe. I have recently learned that a coupon is a way of paying according to ucc 3-104. I noticed that you have sent me these coupons and asked me to remit them with another check or money order and then you redeemed both. That is double dipping and illegal. 
I am potentially willing to overlook this crime as long as you accept this legal form of payment, so I am sending the payment coupon to be accepted as payment per ucc 3-603 ( B ). If tender of payment of obligation to pay an instrument is made to a person entitled to enforce the instrument and tender is refused, there is discharge to the extent of the payment of the obligation of an endorser Or accommodation having a right of recourse with respect to the obligation to which the tender relates. 
If you reject the payment coupon or claim to have shred it, I still expect you to follow the law and discharge the debt. 

From XXXX case the bank can not be saved again.We just proved the bank never had any physical cash trade hands at all. The bank will file our own funds and write check or credit back to us on morgages, credit cards etc.This created a illusion that banks gave us a loan from their assets. Do banks pay taxes on loans or credit cards. No. This proves the bank was not the owner of the properties of houses or same for credit cards. 

Why do you ask us for our social security number? You claim to Id us. No. Thats a lie. So you can access our cestique act trust of 1666 also known as birth certificate a bond. 
Also asking for a social security number is illegal because we have no lawful money. 

You need to zero out this account : I will file a 3949A form- to report alleged tax law violations by person or business Have you audited by Irs Place a lien against your ceo surety bond Used freedom of information act. Just recieved it. 

Will report all of your crimes to better business bureau explained so any person can understand it. 

Your dead line is XX/XX/2023. 
Wait XXXX XXXX also coming. The gig is up By : XXXX XXXX XXXX XXXX, Beneficiary Ucc 1-308 Without recourse
Product: Debt collection

I had an account with XXXX and ported the number to a different carrier. At the time the account balance was XXXX. I have tried to solve the issue at hand with Convergent and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX and they have a late reporting on my credit report. XXXX XXXX   charged me for overdraft protection that I never signed up for.
Product: Credit card

Undenounced to me the Capitol one allowed extensive fraudulent charges to accrue. Capitol One 's fraud department did not take even the most basic precautions to prevent the fraud from occurring. There were obvious signs that fraud was occurring such as frequency and dollar amounts of the charges within a few days. Capitol One did not identify the fraud nor alert, communicate, or reach out due to these abnormal charges.
Product: Credit reporting or other personal consumer reports

Previous disputed items from the following case numbers reappeared after being removed for XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Please see the attachments for your review. The following items that reappeared after being removed showed more than 1 name, more than 1 address, old accounts over 7 years old, accounts that do not belong to me, and accounts that have been disputed. Transunion agreed to remove the disputed accounts but months later reappeared. I'm reporting the inaccuracies and requesting they be permanently deleted from my credit report, ASAP, ( AS SOON AS POSSIBLE ). And not allow these inaccuracies to never reappear again on my credit file months later, AGAIN.

This Account Is Involved In Litigation. 
I Have Not Supplied Proof Under The Doctrine Of Estoppel By XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I Presume That Alleged Debt, NOR Therefore Any Such Debt, In Fact Therefore Exists Pursuant To 18 USC 8, L Owe No Debt, This Company Is Violating My Consumer Right To Privacy Pursuant To 15 USC 1681- B2 Company Has No Permission To Report My Information Per 15 USC 16814.
Product: Debt collection

Subject : Request for Debt Cancellation Confirmation and Correction Dear Goldman Sachs Bank USA, I am writing to address an issue regarding the discharge of my debt with your institution. According to the IRS instructions for Form 1099-C, Event Code 7 applies to a discharge of indebtedness when a creditor discontinues collection activity and cancels the debt. 

I believe that my account with you has been charged off and that collection efforts have ceased. Based on this, the debt should meet the criteria for cancellation of debt, and the reporting should reflect a {$0.00} balance. However, it appears that my debt has not been cleared, and the appropriate cancellation of debt process has not been applied. 

Please confirm whether Goldman Sachs Bank USA has indeed charged off this account and ceased collection efforts. If so, I request that the necessary corrections be made to reflect the cancellation of the debt, ensuring the account balance is reported as {$0.00} in compliance with IRS guidelines. 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX [ Account XXXX - XXXX ]