23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX Nationstar Mortgage, LLC aka. Mr Cooper Short Sale/Foreclosed on my home while in the process of requesting loan modification ( RMA ). In XXXX of XXXX, I had an accident at home which resulted in severe injuries and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I reached out to Nationstar Mortgage for assistance and of course got the run around so I turned to a Hud approved organization XXXX XXXX XXXX XXXX XXXX in XXXX, Georgia for help to facilitate the application. During that period I received a call from my son that a lady came by to inform me that the property was foreclosed. I called Nationstar Mortgage and spoke to a representative who informed me that she did not see the property foreclosed but I could contact the court house. Because of the time of day, and knowing that the court would be closed, the representative suggested that I contact XXXX XXXX which I did and that representative affirmed that she too did not see the property been foreclosed. The notice that was left by said lady, the property description 4//2.5br did not match my property description 5/3br w/basement. A week and half later, the said lady came back and demanded that my family immediately vacate the property, so once again I contacted Nationstar and this time was told that the property was not foreclosed it was short sale. The representative could not give me the full detail so I was transferred to the document department where I held the line for about 1.5 hours before the line disconnected. I decided to call back the next day and once again told the property was SHORT SALE, the representative even went on to explain the difference short sale and foreclosure when I asked, " What the XXXX does that mean? '' in a state of shock and dismay. I immediately ask to speak to a supervisor, placed on hold for about an hour only to be told that the supervisor would call me back on Saturday, XX/XX/XXXX between XXXX XXXX. I waited to no avail, no one called back. No one bothered to return calls to the advocate at XXXX XXXX XXXX XXXX XXXX after several attempts to reach the appropriate personnel. XXXX XXXX XXXX XXXX and I had a 3 way conversation with a representative from XXXX XXXX who stated that he had call to foreclosure attorney find out what happened to the property, did they foreclosed or was the short sale.At that I could not understand why XXXX had to call the attorney to confirm, because at that time he could not see either transactions. A wrongful Foreclosure, fraud and deception suit has been filed.
Product: Debt collection

I disputed this debt with the debt buyer on XXXX XXXX, 2020, I have attached the tracking sheet that verifies the dispute was signed for on that date. In that letter I asked the company to verify the debt by providing signed copies of any agreement I entered into, which they failed to do. In response to a dispute filed with you they forwarded a statement that contained my name and a former address, but nothing that verified the debt. I disputed the debt through the XXXX  XXXX XXXX and they denied having any paperwork that they could provide, stating that the account had been handled through XXXX XXXX XXXX. I sent mail to XXXX and they denied having any information regarding the debt, actually saying they could not locate any information using the information I provided. There is no account material to prove that this is my debt and I do not feel that XXXX  has been truthful in saying that the debt has been verified as they also will not provide me with any documentation that it is a debt legally owed by me..
Product: Mortgage

Apparently Wells Fargo, who does not own my home nor anyone else for that matter, has sold my home at XXXX New York XXXX. I have been asking for proof as to has my mortgage and original promissory note and all I receive are these botched papers that are not true or even legal. XXXX who I pay my electric and water to, has switched my bill over to the gentleman who claims to have bought my home. I have received nothing in writing from anyone on this and have not even received any kind of paperwork from a bank, attorney, court or otherwise.I have had it with this, i am a consumer and my rights are supposed to be upheld and look how far this has gone. i demand to have my rights taken in to consideration. As far as I am concerned, this is theft and fraud and someone needs to answer.
Product: Credit card or prepaid card

An account from American Express with a balance of {$28000.00} is listed on my credit report. I have never opened an account with American Express, nor have I ever received any credit cards or correspondence from them. On my credit report it shows that the fraudulent account was opened in XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under un open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 


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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint for violating 15 USC 1681a under the FCRA for reporting transactions/payment history and experiences/credit utilization of an individual/consumer. Also any transactions and experiences between a consumer and creditor are to be EXCLUDED from a consumer report 15 USC 1681a ( 2 ) ( 1 ).

Attached is a copy of the dispute sent to credit agency with no response as it has surpassed 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH TRANSUNION OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWSXXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES, TRANSUNION STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Product: Credit card or prepaid card

Repeated " UNAUTHORIZED '' opening of credit card w ith Amazon through Chase Manhattan bank and " unnecessary '' credit inquiries that affected our credit scores. The first document is a chronological order of my several attempts to get the issue reso lved. The second document is confirmation of a credit card account that also showed I responded to that email ( shaded area ) on  XXXX   XXXX ,    2016  with the same email I sent to  XXXX   ( Amazon exec ).
Product: Debt collection

Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 XXXX, to protect my privacy and medical records from third parties. I do not recall giving permission to CHOICE RECOVERY INC # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to CHOICE RECOVERY INC # XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to listen to the consumer as to the event of their credit score. I called when I knew I was late and was told they would not report to my credit report. Not only do d tgey and did they drive my credit score south which prevented me from being able to get a home equity loan from XXXX XXXX XXXX XXXX because they choose not to honor the COVID 19 cares act, which a couple weeks ago on XXXX REORDERED LINE A CUSTOMER SERVICES SAID TGEY WERE NOT WORRIED ABOUT TGE CARES ACT BECAUSE THEY ARE BIGGER THAN THE GOVERNMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

When l checked my XXXX Credit Report l realized that ; MUFG UNION BK/XXXX made a hard inquiry on XX/XX/2018 which l have no idea.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted numerous disputes with fraudulent credit card, XXXX Credit Card, and with all of the credit bureaus, showing on my credit report. Submitted multiple times, through fax and mail my police report, identity theft report id and copy of the regulations requesting immediate deletion from my credit report. XXXX and XXXX  have both deleted this account. Equifax has NOT. I followed up numerous times to get status updates and have been told for over 30 days multiple times that it was still being investigated. This needs to be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a certified letter to TransUnion, XXXX, and XXXX disputing a negative item that they are reporting on my credit report from XXXX XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX XXXX XXXX and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which TransUnion, XXXX, and XXXX failed to do.
Product: Prepaid card

, XXXX XXXX, Il, XXXX, entity number is XXXX, and the address in Delaware is XXXX, according to the CA Secretary of States XXXX XXXX. So, this company is a customer of the prepaid city payroll. I am not speaking about other Sears, but only what happened to me, that since I was added to their account, and the management kept it a secret, they had also all the powers to control it, spend it and so on. That 's explaine, why I could not get any statements from them, and was fed tomorrows. I have every check that was deposited on the statements and every XXXX says that the money were deposited into checking account, ending XXXX ( I am not going to put it here, but I will send to you ). And, of course, it was not my account, it was their account. These people, I worked for, were living of me. Shame! I want justice, and I want all the refund. Not only, how emotionally had they broke me, not even including. Thank you. Please, I will wait for your response. MY phone number XXXX XXXX XXXX. Thank you, again, with all my respects, XXXX
Product: Mortgage

Complaint Information : The mortgage payments on my loan serviced by Capital One, N.A. account are paid through XX/XX/XXXX. I am due for the XX/XX/XXXX payment. However, servicer is reporting payment is due for XX/XX/XXXX. Misapplied payment on my mortgage account which the servicer refuses to
research & correct. Background Information : I
filed for Chapter XXXX Bankruptcy Protection on XX/XX/XXXX which was discharged on XX/XX/XXXX ; full PITI mortgage payments were made every month. Capital One, NA failed to record payments made on the date ( s ) received, but placed them in an escrow account resulting in an account history that is incorrect and useless. Capital One, N/A would allow the account to appear severely delinquent then post a lump sum to the balance ( after 3-4 months of holding the payments in suspense ) resulting in the payments being misapplied. I received no monthly statements during the 5 years in bankruptcy therefore I was not aware of this issue. During the reconciliation of my bankruptcy case prior to discharge, Capital One [ XXXX XXXX, XXXX  XXXX ] falsely reported my mortgage loan was severely delinquent in the amount of {$4400.00} to the bankruptcy trustees office on XX/XX/XXXX. 

Attempts to resolve issue : I began attempting to work with Capital One, N.A in XX/XX/XXXX but they will not respond. During several calls to them, I was told my file was assigned to the research department, being handled by an individual by the name of XXXX, who has consistently stated he would get back to me but has never responded. On XX/XX/XXXX a qualified written response was sent to Capital One, N.A. ; which was delivered on XX/XX/XXXX ( according to the U.S. Postal Services tracking receipt ). As of today, XX/XX/XXXX, Capital One has failed to acknowledge receipt of my complaint or respond  under the RESPA and has violated my rights as a consumer under this act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting XXXX XXXX account number beginning in XXXX, have 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

While I was away at college my car was broken into on campus, all of my personal information i.e. bank statements, tax records and bank statements were stolen. I filed a report with the campus police and administration and I was advised to a police report and with the FTC. I also contacted the creditors and credit agencies, with no response as of yet. The following accounts are reporting to my credit report in error. 

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The creidit Bureau companies have not sent verification of thr accounts and they only responded back as verified. Information has to be provided to me as the consumer and they have not. Bills do not verify nor validate a debt ; therefore the accounts listed below need to be deleted from all 3 major credit bureaus immediately. The credit Bureau companies are in strict violation of the law and I'm attempting to give them 1 last chance to comply. They have the burden of proof to prove the debts are mine and if they cant show just cause they must delete.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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 reporting or other personal consumer reports

CFPB, I noticed on my TransUnion credit report that, TransUnion removed my XXXX XXXX XXXX XXXX loan from my credit report. I'm attaching all supporting documents including Account number.
Product: Credit card

Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went into the American eagle store to purchase a jacket. Before making my purchase I was asked by the associate if I wanted to apply for the AE rewards card. I agreed but before going through with the application I asked the employee if it would be a soft or hard inquiry. I was then told by her own manager that it would be a soft one so I proceeded. I was denied immediately. The next day I saw that the application came up as a hard inquiry on my credit report and my score is instantly lowered. A similar issue happened on XX/XX/XXXX that also affected my score. The associates refused to help in removing this. I dont believe its fair for my credit to be dangled because of the incompetence of these employees. I am asking American Eagle to contact their bank synchrony to remove these inquiries as this could be considered fraud and is unauthorized use of my information. I would like to resolve this amicably before getting legal entities involved. I also had a similar experience when doing into XXXX on XXXX
Product: Vehicle loan or lease

I want to make a complaint about Santander Bank they repo my car I couldnt afford it anymore due to the high interest the bank had every payment I made was not even touching the capital only interest rate. I found out people are suing this bank and I would like for the repossession to get off my credit because this is nothing but a corrupted bank
Product: Credit reporting or other personal consumer reports

My personal information was exposed in the XXXX  Equifax data breach, making me a victim of identity theft. A fraudulent account, XXXX XXXX XXXX XXXX is on my credit report and harming my credit. Despite previous disputes, it remains unresolved. Under the FCRA, identity theft disputes should be resolved immediately. I request the immediate removal of this account. Attached is my FTC Identity Theft Report for reference. Please confirm once it has been removed. Thank you.
Product: Credit card or prepaid card

I purchased a ticket to a musical on XXXX at their box office for {$140.00} using my Capital One Savor card. Purchases for entertainment are credited with 4 % rewards dollars but this purchase was categorized as " Other '' and received only a 1 % reward. I called Capital One about the problem on XXXX and they said they would research. They called back on XXXX and said that they could not change the category of the purchase and would not credit my rewards using the higher percentage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This involves ( 2 ) fraudulent collections that were placed on my XXXX Credit report and after on my Equifax report. XXXX notified Equifax on XX/XX/2021 that these accounts were fraudulent, and removed them. 

XXXX - I called and spoke to the fraud department ( so I thought ) and also asked to remove these collections as they were not mine. 

XX/XX/2021 - I called and they refused to remove the accounts and refused to give me proof that they were mine. 

XX/XX/2021 - A representative admitted that there was no response from XXXX XXXX XXXX on the collection disputes and said she had to resubmit the dispute - see attached. I asked for a supervisor. 

XX/XX/2021 - XXXX - employer ID XXXX a supervisor from Equifax has refused to transfer me to the fraud department. He also claims that there was a response and that it was mailed to me. But I never received anything via mail or email.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a personal credit account with XXXX XXXX XXXX 0n XX/XX/XXXX acct number XXXX amt- {$2300.00}, XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit account under XXXX XXXX XXXX under account number XXXX on XX/XX/XXXX amt- {$2800.00} and at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX XXXX. 

These accounts have resulted in several fraudulent fraudulent collections appearing on my consumer XXXX credit report. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

XXXX XXXX is not mine has appeared on my credit file this fraud
Product: Money transfer, virtual currency, or money service

I sent an International Wire Transfer on XX/XX/2021 to my uncle, still they have not received the funds. I sent amount of {$120000.00}, this is a very big amount for me. 

I am XXXX and it is difficult for me to do this big amount wire transfer online, so I went to Wells Fargo Bank located in XXXX New Mexico. Banker put wrong information initially and we were told that they have rectified this matter but it has been more than two weeks and no sign of funds. 

I have visited the same branch to trace or track where my money is, as my uncle has not received these funds. XXXX tried to contact their XXXX customer support but always they would give a Case Number and told us that they will put this case on high priority but I have not received any progress and my uncle has not received these funds. It looks like to me that Wells Fargo Bank has duped me of {$120000.00}. No one is willing to help. I have been calling Wells Fargo Bank 's XXXX customer service numbers but they keep transferring me to another department, been on the phone for XXXX XXXX  at least XXXX days but no one is willing to resolve this matter. 

WELLS FARGO BANK STOLE MONEY FROM ME. I can not use this funds and my uncle ( recipient ) can not use these funds.
Product: Debt collection

ONLINE INFORMATION SERVICES violated my consumer rights under the Fair Debt Collections Practices Act. I'm not sure where ONLINE INFORMATION SERVICES received information that I, XXXX, consumer in natural person reported identity theft or fraud. 
I am refusing the debt. ONLINE INFORMATION SERVICES violated Title 15 usc 1692 ( b ). They violated 15 USC 1692 ( c ) ( a ) ( 1 ). They violated Title 15 USC 1692 ( b ) ( 2 ). I will attached the other violations.