23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am an heir at law to my late fathers estate, ( he & his last wife are both deceased now without wilIs ) I am not the borrower of these loans but I am the being sued for them. I don't have money to pay them, I do not have a home of my own. 
XX/XX/XXXX i was served with written package # 2 foreclosure Summons from court ; AFTER FORECLOSURE HAD BEGAN ( Nationstar Mortgage/ Mr.cooper ) *XX/XX/XXXXforeclosure # 2 began in court. ( Nationstar mortgage / Mr.cooper ) *XX/XX/XXXX Foreclosure # 1 began in court. ( XXXX XXXX XXXX ) * I was never served with this # 1 summons ( XXXX XXXX XXXX ) my u.s. constitutional rights as an american citizen of the U.S. were violated due to the fact that my brother ( other heir ) was served & given the option to buy this estate for only {$5000.00}. But I was never offered this option= unfair treatment /discrimination practices
Product: Credit card or prepaid card

Total amount I disputed- approx XXXX $ Date ranges XXXX XXXX Bank of Americas Edd prepaid card services. I inquired with a representative over the phone if I could still file a claim that took place the previous year. The representative said yes and I was eligible to file a claim and submit it for review, I had already previously filed a claim but only one out of the multiple charges was approved at the time I filed it. Anticipating the results I was informed by Bank of America via written notice the 365 day federal regulation prevented them from completing the claim and its being denied. Why would the representative not have access to that information? I was relayed information that it would be investigated accordingly and it was still able to be processed
Product: Debt collection

This debt was owed to the XXXX XXXX XXXX and XXXX XXXX. I had temporarily moved from my home due to illness and had my water shut off. In 2015, when I requested new service the water authority did not inform me on how they would bill me so I assumed I would get a paper bill. When I never got the paper bill I repeatedly contacted the agency requesting the bill. I even contacted the XXXX XXXX because other mail had been missing from my home. Despite these requests, I never got a paper bill but came home XXXX day to the water being turned off and a hang tag on my door stating I owed over {$200.00} in back water bills. Additionally, at some point after that I started getting collection letters from Stalling Financial Group. I had no idea who this entity was. I immediately contacted the water authority only to find out that they had been sending my water bill to me through e-mail and it had gone into my junk e-mail. At no time did the sewer authority obtain my consent to e-mail me the bill. Through conversations with the sewer authority, they were willing to remove this item from my credit report because I did not get a bill and I had called them regarding the same. However, they did not own the debt and could not recall it and the persons that they spoke to at Stallings Financial refused to even discuss the matter. I believe this issue was handled incorrectly by the sewer authority and Stallings and I would like this matter removed from my credit report.
Product: Checking or savings account

I Was working out at XXXX XXXX on Thursday XX/XX/XXXX around XXXX to about XXXX I workout for about 3-4 hours every other week because I work And I have a busy schedule trying to work and take care of my XXXX kids by myself I put my phone along with my purse and other personal items inside of the locker that is provided at XXXX XXXX  like I always do and never had a problem until Thursday Incident Description Someone went in the locker room while I was working out and stole my phone, wallet, purse, my XXXX XXXX  card, XXXX card, XXXX  XXXX credit card, citizens card, my social security card and my ID. 
Vehicle was also stolen I write my pin down because I tend to forget things a lot They made multiple transactions on my citizens card in the around XXXX $ I filed a claim with my bank and I have those claim numbers listed below - XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

ECSI I has become the new servicer of an erroneous student loan and has been requesting payment of {$2500.00} which also shows up on my credit report only as of XX/XX/XXXX for a loan opened on XX/XX/XXXX ( it went unreported for 14 years according to ECSI 's records ). I have contested this loan as multiple times as the university with which I initially took the loan has confirmed that I do not have an outstanding balance and provided me with my final XXXX balance tuition bill ( which I have also shared with ECSI ). I have repeatedly asked ECSI to explain where this {$2500.00} is coming from and why is it showing up on my credit report a decade later and they have not responded. I had one loan in the amount of {$3000.00} which was in fact opened thru the university in XXXX and was paid in full by XXXX ( I also have the confirmation of this final payment from XXXX XXXX XXXX Dept of Ed XXXX XXXX and provided that to ECSI to no avail ). I have received correspondences from ECSI and XXXX ( not sure the affiliation ) regarding this incorrect loan of {$2500.00} as well as provided them with documentation affirming that but they have not responded nor requested that the account be closed so it can be removed from my credit report. Please help in resolving this issue as I have been unsuccessful in getting an meaningful response from ECSI.
Product: Credit card

XXXX. I opened XXXX credit card on XXXX. 

XXXX supposed receive XXXX XXXX mileage after {$2000.00} spending. I met minimum spending requirements on before XXXX statement closing date. 

XX/XX/XXXX statements closed. but have not received. I contacted XXXX and they said it will be deposit at next billing cycle statement. 
They confirmed that I met minimum spending requirement already XXXX. After closing XXXX statement ( XX/XX/XXXX ), still have not received. Contacted them again. 
They said it will be deposit at next month. also they opened investigation case. Case number is XXXX XXXX. XXXX statement closed. I still have not received sign up bonus. 

XXXX. I am so tired dealing with them anymore
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, Discover Financial Services reported my account as delinquent in the amount of {$3400.00} which is incorrect and the correct balance is {$3200.00}. I contacted Discover to agree to set up a payment arrangement on a different date due to my job being affected by Covid-19. However, they reported me anyway while I am still on a  payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2022, I filed a complaint against the credit bureaus credit reporting and improper use of my credit report. The bureaus response to my complaint was that they would re-investigate my consumer report for the accounts I listed as violating my rights and would respond back within 30-60 days. According to the FCRA the term investigate a consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews, with neighbors, friends, or associates of the consumer reported on or with whom he/she is acquainted or who may have knowledge concerning any such items of information. 
The credit bureaus stated that they updated/verified my accounts based on their investigation but how is that possible if they did not do a proper investigation according to the law? Also after their investigation ever piece of information on these accounts are STILL NOT reporting 100 % Accurate. I have the credit report showing all 3 bureaus reporting. I have placed an x by all of the inaccurate or missing information that shows the discrepancies amongst the 3 bureaus reporting of the following accounts : XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX  acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX XXXX  XXXX acct # XXXX, XXXX  acct # XXXX, XXXX  acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX and XXXXXXXX XXXX XXXX  acct # XXXX XXXX 

These accounts are STILL reporting inaccurately and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report or you send me {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union, XXXX XXXX XXXX have allowed fraudulent attacks to my credit reports. I have lost more than XXXX
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that this account has not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 
XXXX XXXX
Product: Credit card or prepaid card

I received a {$70.00} deposit today XXXX XXXX XXXX  I made a couple of purchases and then was declined for a {$19.00} transaction when i should have had a {$50.00} available balance, I looked on the app and there was nothing justifying this, then for a brief moment there was a notification on my phone for XXXX {$35.00} charge I went back into the app and there was absolutely nothing reflecting this pending transaction, I went back in my records and show on XX/XX/ I did order some food for that amount and that must have been the billing company but I have not purchased anything from them since or have I had any transactions for that amount since that day so I spoke with support for my card Cash app and they said they made an error in XXXX for that transaction they debited my account then credited it back so I owed them that money but I never received notice of this, i didnt have a negative balance a d i have been depositing and using my account all this time and at no time did this appear as an amount i owe and why wait over XXXX to debit the funds from my account. This has caused so much stress I am on social security and that {$35.00} was my groceries for the week, if they had notified me at least I could have planned for this. They told me I would have to dispute this and would take 45 days for a response where I don't feel I should have to file a dispute, this wasn't my error it was there's and im not disputing i made the charge my issue is they never made me aware that they made an error and that they did not notify me of this I wasn't aware so the entire situation feels fraudulent. I attached a few screenprint, one shows my pending transactions for today and that transaction is no where showing on my account only the amount is missing but nothing to justify it and there's a screenprint of the transaction in question it shows it was completed and was deducted from my available balance on XXXX XXXX XXXX
Product: Mortgage

My husband died and I payed the principal of the mortgage off in XXXX to NationStarBank. In XXXX I received a call XXXXNationsStar Mortgage company stating I owed a payment and that the amount of {$710.00} plus a payment was past due for XXXX. I went on line and paid off the {$710.00} and made the payment of XXXX also. I then got a call the next day that there was a past due balance of {$45.00} XXXX that I did n't pay. I never missed a payment on my loan and I was told that it was an amount paid for my husband and my bankruptcy. The court claims no monies other than what we paid were made and the bankruptcy was dismissed before this loan modification. I called back the mortgage company and was told that it was paid to the attorney. The attorney said it was not and the Trustee also did n't receive the money. I contacted the mortgage company again and was told that the last payment was in XXXX. I gave them the receipt of the XXXX XXXX payment and was told that it was applied but I still owe them XXXX XXXX dollars. I then went to my bank to get financing for this and was turned down due to the bankruptcy. I was told that bills included in the bankruptcy were still showing due. I then contacted XXXX XXXX they agreed to lend me the money to pay this " balloon payment ''. The pay off showed a balance of {$160.00} principal plus the XXXX XXXX. I contacted Nations Star Bank the mortgage company as to where did the {$160.00} come from if I paid off the {$710.00} total principal. They did n't show that payment in XXXX. A manager said it was put into miscalanious funds and not applied to my account. I asked for them to show me where the {$45000.00} was paid to us or our creditors. They said it was a past due balance on our mortgage. I know this is not true because my husbands XXXX XXXX retirement benefits paid the mortgage every month before the bankruptcy and the trustee did n't miss any payments nor did I since it had been refinanced. They could not show me or tell me who received the money. Today I received another letter from the mortgage company which said you are past due on your payment. I am so frustrated. I have already paid for an apraisal on my house to receive a new mortgage to pay this off. I do n't believe I owe this money and think Nation Star bank has added someone elses loan to mine. I am a widow and I do not make enough money to pay NationStars high payment. That is why I am trying to get a loan. Nation Star keeps changing the payoff amounts. I do n't know what else to do.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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
Product: Credit reporting or other personal consumer reports

The following text message was sent to me on Monday, XX/XX/2024 : This is Unifin a debt collector Contact us about ref # XXXX XXXX XXXX or https : XXXX ChargesMayApply Reply STOP to stop texts I called the number in the text XXXX EST and a 2nd phone call at XXXX EST ( has nothing exists on my credit report ). The first agent hung up on me and told me, they will remove me from the list ; I was seeking a reason of how & why my number was involved and what additional information about me, XXXX XXXX they have in fileagent hung up on me. 

Called the number back immediately, agent would not listen to me or answer any of the same questions mentioned aboveagent said they would remove me from list. 

At XXXX I received the following text message This is Unifin a debt collector Contact us about ref # XXXX XXXX XXXXXXXX or https : XXXX XXXX Reply STOP to stop texts
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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: Credit reporting or other personal consumer reports

I recently received a copy of my 3 bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report XXXX XXXX XXXXXXXX Balance {$64.00}
Product: Debt collection

I went to take out an auto loan last month and found out I had my identity stolen, I immediately filed a police report and contacted each creditor and consumer reporting agency. I spoke with a XXXX XXXX from the company Williams and Fudge Inc. a debt collection agency. XXXX has refused to provide any documentation in regards to this fraud and I have sent multiple letters that included, FTC identity theft report, identity theft affidavit ( which was also notarized ), a police report from my local sheriffs office and proof of identity. The company has failed to remove and stop reporting this identity theft and is in clear violation of the law. I will be contacting the XXXX  and their states attorney generals office. Please see attachments!
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX/ XXXX is an unauthorized and unknown authorized user account reporting on my report, I'm asking that this account be removed.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following account : XXXX  XXXX XXXX Account number : XXXX {$0.00}
Product: Checking or savings account

Hello, One of your employees I previously had a relationship with is accessing my personal information using your systems. Her name is XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX XXXX / {$0.00} / XX/XX/2021
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian as to their investigation process for verifying and validating account ownership after I paid an account that I didn't own because Experian refused to remove the account from my credit report. Experian kept telling me that the account was verified as belonging to me while forgetting to tell me that Experian as a corporation receives XXXX compensation for the information reporting to my report. After I paid the account, it reappeared on my credit report with a different company than before claiming ownership. I refused to be extorted again and I disputed this account with Experian, and they told me that the account was verified, which is impossible. On XX/XX/2023 I received an email from Experian saying my dispute results from a XXXX complaint i filed. 


I hit the link to go straight to Experian 's website and I was unable to see the dispute results as I was Instructed. I contacted Experian by phone, and they refused to give me a copy of the complaint report or give me access online to see the results. Instead, Experian told me they can only read me the results of the report and could not give me anything in writing. The report is evidence that Experian, never investigated the validity of the account, compromised my non personal information, profited off of the furnishing of accounts on my credit report and personal information that never belonged to me.
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 in 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 A, states that I have the right to privacy.

15 USC 1681 Section 604 A section 2, states a consumer reporting agency can not furnish a written account without my written instructions or consent.

15 USC 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: Mortgage

I began the process of refinancing with Wells Fargo in XXXX. It is now near the end of XXXX and they are requesting that I pay {$1000.00} to extend my locked in rate. They have already required me to extended it at least twice and the fees continue to add up. I have been extremely responsive when they have requested documentation ( normally turning around documents in less than 24 hours ). There have been multiple delays in the processing and they point the blame on others and take no credit for their ineffective process. On the occassions where I was able to speak with someone, I was told that it was company policy and they would not cover the fees to extend the rate. I should mention that I currently have my loan with them and I am looking to keep it with them. 

There seems to be little interest in keeping me as a customer. Their customer service has been poor at best. I am now faced with paying {$1000.00} or discontinuing the process and throwing away the money I 've spent on getting my home appraised.