23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After a early retirement from an injury, our finances became strained ... ... .... 
Things fell behind. 
We contacted Nationstar Mortfage dba Mr Cooper for help. We have been transparent from the get go ....

We did a modification which was Ultimately denied because we didn't have a need according to Mr Cooper. They determined this because we made our payments through the process ... ...

We ( tried to ) explain ww were paying the mortgage strictly through savings and that was running out so we seriously needed help to keep our house. 
So a second modification was started in XX/XX/XXXX which was a total nightmare. I sent and resent and resent documents they needed snd although I have confirmation they received the documents, they would tell me they did not receive them. They kept dragging The process out until it expired and then they REJECTED it .... After 6 months of dealing with these people for a 2nd modification. ( BUT ... ... NO ONE FROM NATIONSTAR TOLD US ONE TIME THAT A MODIFICATION HAD TO BE COMPLETED AND DENIED BEFORE A SHORT SALE COULD BE APPROVED ) ... ..

Or maybe that's a lie too ... .... Idk We also discussed other options with Mr Cooper such as a short sale and/or a Deed in Lieu of foreclosure. So, in XX/XX/XXXX, we put it on the market as a short sale and we used the Realtor Mr Cooper told us to. We were asking for pay off only. For 5 months, we showed it but got no offers because the house has fallen in disrepair. 
We owe XXXX and the appraisal Mr Cooper Did was In the 160s. 
In XX/XX/XXXX ( and by the Grace of XXXX ) we got an offer of XXXX on the house. We were so Blessed. I cant even tell you. 
So Mr Cooper TOLD US in XX/XX/XXXX to Put it on the market as a short sale ... .... 
We sold it XX/XX/XXXX No one explained anything to us in this process. We have had to force information from them AND 9 out of 10 people we spoke with told us WRONG ... .... 
A young veteran is trying to buy our house. He paid his dues to this country and this is what he gets too ... ... This us messed up ... ... .. 
So after fighting with them since XXXX, Mr Cooper foreclosed on our home and it was auctioned off yesterday. The starting bid was XXXX so if someone would have bid on it, they would have walked away with my house for XXXX and I have had a pre-approved offer of XXXX. 
I am now living in a camper. We are XXXX years old and he is working out of state because theres no work here. Weve lost our house and this will likely ruin us for the rest of our Life. 
Yesterday, Mr Cooper told me ... ... 
WELP ..., We ran out of time to approve your short sale. Nothing you can do ... .. 
THIS CANT BE LEGAL ... ... 
We sold our house ... ... ... 
We've been in touch with FHA and have a case number. They can provide additional info. 
FHA CASE # XXXX I am college educated and very Intelligent and these people have broken us. I can not imagine how it would go for people who are less educated or knowledgeable ... ... .. 

MY TAKE ON THIS IS They never had ANY intentions of approving the short sale and EVERY intention of screwing us ... .... 
We followed their lead TO THE LETTER ... ... 
I demand satisfaction ... ... ...
Product: Credit card

I applied for a Amex Card for the sole pupose to get XXXX statement after I spent $ XXXX.as advertised. 
I was approved for {$1000.00}. Obviously they had no intention to fullfill what they have adverstised. 
They could have chosen not to approve the card and i will not have a hard inquiry on my credit report. But instead i have a hard inquiry and false advertisement.
Product: Credit card or prepaid card

In XXXX if XXXX, I remitted a payment of {$55.00} that was never posted. I contact Macys to resolve the matter and they asked for me to send confirmation via email to XXXX, which I did in XXXX of XXXX. 

It is now XX/XX/XXXX and the payment still isn't posted, nor is there any acknowledgement of my confirmation emails to XXXX. 

When I called to speak with them and resolve this matter, I was sent to the Recovery Dept. They asked me to fax record of my payment. I rejected the notion of a fax, as I do not have one. 

When I asked why I can not email, I was told they do not have email. How, in XXXX, can we not resolve matters through email? This is a blatant tactic to make customer resolution more difficult that it needs. 

The conversation was one hour and fifteen minutes with XXXX, XXXX and XXXX and ultimately the only option I was given was for a manager to return my call in 24 - 48 hours. Before being given the option of a return call, I was told by XXXX to call back in 35-40 minutes and ask for a manager then. What kind of dispute resolution tactic is that? 

I accepted the return call within 24-48 hours and disconnected. I immediately pursued filing this complaint. I spoke with XXXX and he suggested I file a complaint here.
Product: Debt collection

OWR NOTICE OF ERROR 524 Injunction : Bank of America per the enclosed exhibits did not adjust my mortgage on the agreed date to be compliant with the court order reaffirmation agreement. BAC kept sending me statements with the original loan amount and payment. I was making the required reaffirmed payment after the agreement was signed only to have BAC escrow the payment and not apply them. In XXXX Bank of America transferred the loan to XXXX. XXXX began the servicing rights with the incorrect balance incorrect monthly payment and a forced placed insurance policy added to the loan by Bank of America which was purchased during the federal stay was still on the property and the plicy debt being asked for by Bank of America and now XXXX was not petitioned to be in the bankruptcy plan making that debt discharged.. XXXX was notified by Mr XXXX in XXXX when XXXX sent out the transfer notices with the original note information that the loan data was incorrect. XXXX did not comply with the agreement until XXXX when finally XXXX corrected the loan in XX/XX/XXXX. XXXX at that time was still listing a insurance debt owed from Bank of America and now because of Bank of Americas actions to create an escrow account for the insurance and taxes XXXX began placing coverage on the property in the amount of {$150000.00} even though the loan balance was only {$35000.00}. XXXX refused to adjust any monthly statements to reflect the correct reaffirmed debt. This was a a 524 Injunction violation of the plan. XXXX filed a foreclosure motion in XXXX the foreclosure where the case was not heard only stamped by the judge. The docket of the foreclosure case states that I never paid a payment after the reaffirmed agreement now XXXX has acknowledged that I had made payments and that BAC had not been compliant with my Bankruptcy plan. XXXX has now acknowledged the reaffirmation agreement for the loan cost on payoff statements but is still demanding payment for the forced place insurance bill that was created while the property was under a federal stay. This is attempt to collect discharged debt and a 524 Injunction violation of the Bankruptcy plan.
Product: Checking or savings account

My checking and savings accounts were hacked on XX/XX/2019. All of my money is gone. {$730000.00}. I notified my bank and I am meeting with them today.
Product: Credit reporting or other personal consumer reports

This account is being reported when the Statue of limitations has expired. I submitted a dispute with Equifax to remove the account but it still remains on the credit file. I'm requesting to have this item removed from my credit file immediately.
Product: Credit reporting or other personal consumer reports

On the afternoon of XX/XX/year> I called EQUIFAX to verify if my account had been locked or frozen. Just asked for a " yes '' or " no '' answer. My identity was stolen in late XXXX ( or earlier ) as evidenced by an out of state business texting me a photo of an Ohio state drivers license identical to mine except for the photo and signature. 
I spoke with TWO DIFFERENT customer service representatives at Equifax. Each had heavy accents. After answering ALL personal questions ... .DOB , SSN, address, etc etc, I was asked to explain activity on credit cards accounts that were closed 4 or more years ago including minimum monthly payments. I explained that I had 3 and only 3 sources of credit that I have used for more than the last 3 years and that I pay each month off in full so no minimum monthly charges. I explained the names and full details of these 3 credit sources. BOTH " customer service '' reps said I failed to verify my identity because I could not recall accounts from 3, 5 or 10 years ago which had been closed for years, but still in my credit report. 
Then they asked " when was the last time you had your account frozen ''. I replied " my FIRST STATEMENT TO YOU WAS THAT I WAS CALLING TO VERIFY IF MY ACCOUNT WAS IN FREEZE OR NOT '' So, I DON '' T KNOW, THAT IS WHAT I CALLED TO ASK YOU. Both " customer service '' reps told me that they WOULD NOT COOPERATE WITH ME. I asked to speak to someone in the UNITED STATES and they both said that was impossible. AND don't forget the recent " security breach '' BY EQUIFAX that caused the release of everyone 's SSN onto the XXXX web. AND NOW they refuse to verify if my account is frozen. IF you don't SEVERELY FINE ( $ BILLIONS ) or disbar these scumbags from messing with citizens, then why are would you be any better than them???? If you expect americans to continue to care anything about america, please see this through. Otherwise there is no more america.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Due to me being uneducated about repaying my loan I was misguided/ misinformed to apply for consolidating instead of correct and helpful information to have this loan discharged I feel now as I have been persuaded in making the wrong decision on the latest application I've submitted to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$110.00} Status Account charged off. {$110.00} written off. {$110.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX Balance {$710.00} Status Collection account. {$710.00} written off. {$710.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Collection account. {$9.00} FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX & XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date XXXX XX/XX/XXXX XXXX {$24000.00} Status Open.
Product: Checking or savings account

Unauthorized transaction. I have a police report and a email statement that it was a scam and pulled into fraud account. Regions will not refund! I had money stolen from my Regions Bank Account on XX/XX/2018 one transaction for {$5000.00} and one for {$3700.00}. I called to inform them and they said they would be glad to report the claim. I got a police report and an email saying money was pulled unauthorized into a fraud account and was a scam incident. Regions Bank denied a refund. They did not notify me and help in anyway to stop this and when found to be a scam and stolen without my authorization, they refuse to refund my money back to my bank account. I have tried going to the bank, over the phone, and by mail. They refuse to take responsibly for allowing my money to be hacked and stolen from me. My name is XXXX XXXX and my bank account is XXXX ( opened in XXXX, MS ) and last 4 digits of the card was XXXX. All of this money was pulled into a fraudulent account. It bought cryptocurrency and I did not authorize these transitions and want Regions to put that stolen money back in my account. I have a police report XXXX. Which states money was stolen and unauthorized. They lied and said they talked to the company. I called and the company said they never spoke to Regions and would not speak to banks for any reason. They just don't want to take responsibly for allowing these to happen and not being accountable for their mistake.
Product: Checking or savings account

They have sent me a promotion to receive a {$400.00} Statement Credit when I open a new checking account. But when I attempted to open the account, they stated I had previously opened an account so I was unable to be qualified for this promotion. I previously tried to open an account online but I was told that the account was unable to be opened. I contacted them multiple times and they said the account was not opened. I have not previously opened an account with Regions Bank, so I should have the opportunity to take advantage of this promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY ON ALL 3 CREDIT BUREAUS PER 15 U.S. Code 1681b - Permissible purposes of consumer reports AND 15 U.S.C 6802 Gramm-Leach-Bliley DEPT OF ED/XXXX XXXXXXXX {$52000.00} {$0.00} DEPT OF ED/XXXX XXXXXXXX {$1000.00} {$0.00} DEPT OF ED/XXXX XXXX {$1800.00} {$0.00} FEDLOAN SERVICING XXXX {$0.00} {$0.00} FEDLOAN SERVICING XXXX {$0.00} {$0.00} FEDLOAN SERVICING XXXX {$0.00} {$0.00} Fed Loan Servicing XXXX {$0.00} {$0.00} Fed Loan Servicing XXXX {$0.00} {$0.00} Fed Loan Servicing XXXX {$0.00} {$0.00} Fed Loan Servicing XXXX {$0.00} {$0.00} Fed Loan Servicing XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX - -No Data XXXX XXXXXXXX {$0.00} {$0.00} XXXX XXXXXXXX {$0.00} {$0.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX {$0.00} {$0.00} XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX {$0.00} {$0.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
- XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX / XXXX XXXX - XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit and noticed there was fraudulent activity on my credit report. Please remove all fraudulent activity off my credit report as it is hurting my ability to obtain credit. Thank you
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX Balance : {$820.00} XXXX XXXXXXXX Balance : {$550.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was accepted to have my payment extended and closed Due to family emergencies. My father passed away and my mother needed lots of financial helped. Someone at the time said they understood and would work everything out. Long story short the first late report was a scam because I asked and was approved for an extension! I called and tried explaining it was an error on their part and they act like they didn't know. So I told them I wanted my account cancelled and they said ok. Now looking at my account its under XXXX and I have 3 false late payments I NEED THEM REMOVED ILL BE HOMELESS
Product: Credit reporting or other personal consumer reports

I would like to report several unauthorized hard inquiries on my credit report. The following inquiries were made without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date not specified I did not authorize these inquiries and am concerned about their impact on my credit score. I request that these inquiries be investigated and removed if found to be unauthorized.

Thank you for your attention to this matter.
Product: Debt collection

Midland Credit Management is constantly calling my phone about a debt that I DO NOT OWE!!! I just want them to stop calling me. I once asked about the debt and they WOULD NOT tell me what the debt is or was.
Product: Debt collection

I was checking my credit report and I noticed that I have an item on there from AD ASTRA RECOVERY SERVIC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KS XXXX I am not aware of what this debt is related to but I have researched the company to see whom there are associated with. They have placed a debt/item on my Credit reports in the amount of {$4000.00} for a debt in which I do not own.
Product: Credit reporting or other personal consumer reports

" I'm stressed about my collection account because it feels like it's weighing on my financial stability and causing a lot of XXXX. Ive been trying to get back on track with my finances, but the constant reminders and pressure from the collection agency make it hard to focus on finding a solution. I feel like I'm being judged or that my progress is being hindered every time I get another notice or call. Its just a lot to manage along with everything else XXXXm dealing with right now. ''
Product: Money transfer, virtual currency, or money service

On Friday the XX/XX/2018 it was a hold or freeze put on my paycheck that was sent through PayPal so I called and got no good info only thing ai was told it was for security reason because of the amount it was which was only {$220.00} but it could take them from 72hrs to 21days to hold my money but Im not a seller or buying anything its just a issued check for work which I give out free government phones through XXXX XXXX/XXXX  XXXX so how can my money be alerted for security if Im not buying or selling good
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( FCRA ) ; XXXX XXXX has violated my rights. On XX/XX/2020 there was an unauthorized inquiry. 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 an account without my written instructions 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONGOING 2 YEARS LATEST XXXX/XXXX/XXXX. THEY TELL ME I AM NOT MAKING THE APLICATION. MISSING INFORMATION. 

I believe the problem arises from the Street address. My location two distincly different addresses. The Post office shows the corect address as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX verified. If I look up the closest mailbox it shows XXXX XXXX. XXXX XXXX and XXXX  automatically change it to XXXX Michigan XXXX XXXX XXXX, XXXX, XXXX are all aware of the problem but overlook it in an effort not to inconvenience their customer. XXXX and XXXX display XXXX XXXX [ CORRECT ] XXXX Verify approves both, but there is no such road as XXXX XXXX XXXX. All Federal Agencies use XXXX XXXX. No One is willing to make the corrections in their databases. XXXX Blames XXXX and XXXX does not give a XXXX. This results in the appearnce that there is two of me. .. 
Start with a company name and address to find its ZIP Code. However, this tool cant confirm whether the company is actually located at that address. 
XXXX indicates that Company , Street Address, and either City/State or ZIP Code are required fields Enter only English in all fields *Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Other XXXX *City XXXX XXXX. 
IN - Indiana XXXX XXXX XXXX You entered : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here 's the full address, using standard abbreviations and formatting. However, we ca n't verify that this is the actual location of the business. Double-check the address before mailing here ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX https : XXXX, +XXXX, XXXX XXXX +XXXX, XXXXXXXXXXXX, XXXX! XXXX! XXXX! XXXX XXXX XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX