23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Nationstar claimed my house was foreclosed last XXXX ( XXXX ) and sale date was recently set for XX/XX/XXXX. I never received any notice of either hearing or judgement based on non-appearance ( only mail required regardless of receipt ). I have numerous correspondence with Nationstar including CEO asking for help in resolution before this action and never given responses or options. Prior, Nationstar had erroneously foreclosed and had took title of house in XX/XX/XXXX. I had an XXXX XXXX  which was to avert disclosure and pay off most of the following year expenses for taxes and insurance. Foreclosure was vacated in XXXX but title not reversed until XX/XX/XXXX!!! after numerous appeals to company and lawyers. As a result of title issue, I could not buy insurance and taxes XXXX XXXX % due to loss of homestead appeal. In the meantime, Nationstar sold the loan first to XXXX around XX/XX/XXXX. I notified XXXX  that I wanted to get forbearance under CFPB regs for lenders to " double down '' on helping borrowers avoid foreclosure. XXXX denied any knowledge of CFPB. I sent request in writing and never got response. Apparently, same lawyer represents both Nationstar and XXXX. Recently, loan was again sold to PHH with my asking for forbearance and no knowledge of CFPB requirements. Last week, I discovered that another party bought " mortgage '' of $ XXXX that was to be forgiven after staying in house for 2 years, apparently hindered by the change in title. Lawyers for Nationstar have been very uncooperative. Not returning calls for 10 days, taking almost a month for getting payoff data full of mistakes, refusing to even respond to my attorney in a timely manner when I am facing eviction in less than a month. I had a buyer but the delays and title issues may jeopardize. I believe that the law firm colludes with Nationstar to drag out responses until time runs out. I have already written to Secretary of HUD regarding the failure to follow procedure during the foreclosure process last year. I am now seeking help with CFBP to help. I have further evidence that the foreclosure may be in retaliation for a prior complaint sent to CEO of Nationstar. Further, the total lack of acknowledgment of CFPB existence and " double down '' efforts by banks probably impacts many who didn't work for the Secretary of HUD at one point and read through the regs. The lawyers avoid answering questions and providing answers. I fear that many other foreclosures will be made regardless of CFPB rules. Help!
Product: Checking or savings account

On XX/XX/XXXX I received a check from the city of XXXX ( XXXX XXXX program ) as I tried to cash my check I was told that they couldnt cash it unless I was a customer of chase. At that time I opened a checking account with chase so that I could deposit the check. After depositing the check I tried to login to the my online account and got a error message stating suspicious activity and giving a number to call.. I called the number and was placed on hold for two hours inwhich the bank had closed. On XX/XX/22 I called and was place in line for a call back which took 1hr and was told I needed to contact the fraud department and was given the exact same number I had called to receive a call back. This service unacceptable! I need answers on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately.

EXPERIAN I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX ACCOUNT # XXXX Delete this account.
Product: Checking or savings account

XX/XX/XXXX chase bank restricted my account after i got an ach deposit from XXXX they sent me an email after restricting the account stating that. Ive been calling them and they been giving me the run around they told me i would have to wait 5-10 business days for the account to close and then another 7 for them to mail me out my remaining balance which is about {$700.00} in total. Now they tell me they are investigating the deposit and they wont tell me when they will release my funds or even tell me why they closed the account out, the ceos assistant called me and told me they are holding my funds in suspense and that thats all the information she can give me, with no information on when they will mail out my remaining balance in a check.
Product: Credit card

On XX/XX/XXXX I had car repairs done totaling {$1000.00}. I put these charges on my Master Card credit card issued by Citi Bank. The charge posted and I paid it off that very billing cycle. I then had a duplicate pending charge of the same amount from the same vendor with the same date. I called the vendor ( a reputable, large car dealership ) and they first assured me there was no duplicate charge sent from their end, and they went as far as to contact their credit card merchant who assured them there was no duplicate charge showing in their system. I then contacted Citi Bank for the first time on XX/XX/XXXXAs a frugal consumer I keep a low credit limit ( {$1400.00} at the time. ) Citi told me to wait 20-30 days for the pending charge to disappear, and in that mean time the duplicate charge would chew up roughly 70 % of my available credit. I called back the following day as that was unacceptable. They told me to contact the vendor, which I already did, and then said it was likely MasterCard 's fault. I went to MasterCard 's website and it said something along the lines of they are not responsible for cards once issued and to contact the issuing entity. I called Citi Bank back and demanded speak to a human and then to the human 's supervisor. The supervisor said there was nothing they could do to get rid of a duplicate pending charge before it posted. I explained that it wasn't actually charged twice by the vendor and seemed to be an IT error on their end. Needing to buy groceries and knowing they constantly suggest I raise my credit ( I decline each time ) I eventually asked if they could just raise my credit temporarily by the amount they chewed up with this duplicate charge and then lower it back afterwards. The supervisor said they were " just about to suggest I request a credit limit increase '' but if I request it go back down afterwards it would be a permanent decision. I relented, having had my card declined at the grocery store, and let them raise my credit. The charge dissappeared about 2 weeks later on or around XXXX XXXX, before the end of the billing cycle. 
I find it very strange that when my average credit card transaction is around {$20.00} that the one time I would experience this issue with was over two-thirds of my entire credit amount. Citi has been pestering me for years to raise my credit limit and I have concerns they used this " unexplainable issue that they have no power to resolve '' to gas me into raising my credit limit. I want to file this complaint to see if in aggregate Citi is duplicating large charges to frustrate consumers into raising their credit limits.
Product: Checking or savings account

I opened up a Checking and Savings account with Chase Bank from my computer on XX/XX/year>. I then linked my old Fifth Third checking and savings accounts and attempted to transfer {$10000.00} from my Fifth Third savings account and {$700.00} from my Fifth Third checking account to their respective Chase accounts. This was all done from my laptop. However, Chase Bank called me and informed me that my {$10000.00} transfer would not be permitted to go through. What I didn't realize though, was that the {$700.00} dollar transfer was permitted to go through. After the phone call from XXXX informing me of the denied {$10000.00} transfer, I physically went to my XXXX XXXX Bank and withdrew my funds ( {$21000.00} ), and closed the accounts. Then I physically went to my local Chase Bank and deposited the cashier 's check for the full amount I received from my closed XXXX XXXX accounts. The next day I saw there was {$700.00} dollars more in my Chase account ( {$22000.00} ) than I was supposed to have and realized what I had done so I immediately called XXXX to try and resolve the overdraft issue from my old Fifth Third account transfer. I explained the entire situation to the man on the phone as I explained it above so it's not like I was trying to hide anything from them. The man on the phone told me that it would eventually default back to XXXX XXXX, which it did. I also physically went into Chase Bank on that same day ( XX/XX/XXXX ) just to make sure, and the banker told me it should be fine I just needed to wait for the funds to settle at the end of the week. I received an email from XXXX that the {$700.00} was going back to XXXX XXXX on XX/XX/year>. Then a few hours later at around XXXX pm on XX/XX/XXXX, I received an email and notification that my account had been restricted for suspicious activity. I called XXXX the next day ( XX/XX/year> ) during their business hours and the people on the phone continually bounced me around to different " customer service specialists '' until they eventually hung up on me without helping at all. On XX/XX/year>, I went into a Chase Bank branch. I fully explained the situation to the banker, who then informed me that XXXX was closing my account for good and would be mailing me a check with the account balance ( {$21000.00} ) no more than XXXX business days from XX/XX/year>. I then waited XXXX business days before calling Chase Bank on XX/XX/year>. The person I spoke with on the phone informed me that my check had not yet been written or mailed. I decided to physically go to Chase Bank again to speak with the same banker on XX/XX/year>. The banker informed me that my check had not yet been written and could take XXXX months to arrive. This is much longer than the original 7 days they told me and I am sick of the continued lying I just want my money back.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : DEPT OF EDUCATION/XXXX  Account XXXX Account Name 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 XXXXXX/XX/year> XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These accounts 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 602 A. Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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. 
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 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, credit repair services, or other personal consumer reports

I am having trouble getting proof that I paid off a credit card that went into collections, and it is prohibiting me from getting a home loan, as the letter that I have from the collections agency is apparently not good enough. 

I paid the account off through the collection agency in XX/XX/2019 ( please see the attached ), and when I went to have my home loan people run my credit through XXXX ( their credit vendor ) and do a Rapid Rescore to have the balance reflect at a Bureau level, and they informed me that the documentation needed to come from TARGET themselves. 

I called TARGET and they informed me the account was no longer held with them and provided me a number to call to get further information ; the phone number was for the Law Office ( that I had originally spoken to in order to pay it off ). So then I called TD BANK and they informed me that they no longer had the account either.
Product: Mortgage

Good morning - I currently have a mortgage loan with Wells Fargo and I have repeatedly attempted to have the PMI removed from my loan. The first time I approached Wells Fargo regarding the PMI I paid for a brokers price opinion through Wells Fargo and that was a disaster. The broker that came out was not the one that was assigned to generate the opinion, someone else showed up in the persons place took a few pictures and left, needless to say the price opinion was way low. Now I am looking at an option to refinance and I have paid for an appraisal ( XXXX  XXXX  ) which I have supplied to Wells Fargo and they are telling me that I have to use their vendor for an appraisal which I DO NOT WANT TO DO because of my first experience with their vendors ... XXXX besides, isnt this STEERING? I should not have to use their vendors when I do not trust them. 

Wells Fargo maintains that they can not remove my PMI unit I reach the 70  % loan to value. What is even more frustrating is that my taxed assessed value is below the 70 % loan to value. 

Wells Fargo is taking advantage of people. I have never missed a payment and I tried to work with them. My loan is in good standing. Please let me know what I can do. 

Regards -XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was my follow up complaint, and it is still me informing the Equifax Bureau that I was requesting them to remove and block the remaining fraudulent inquiry from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Bureau was required to block and remove any items not later than 4 business days after the ( XX/XX/2023 ). Whats more, the details they provided in this remaining inquiry was UNKNOWN to me and this inquiry was already REMOVED from other bureaus and so I have doubts about the reporting accuracy you had with regards to this inquiry. I once again kindly remind the Equifax Bureau for their assistance in promptly removing this remaining unauthorized inquiry from my credit report : EQUIFAX : XXXX XX/XX/2023
Product: Debt collection

On Thursday, XX/XX/2020 at about XXXX XXXX an armed XXXX with a bullet proof vest showed up at my private residence to serve me papers of an apparent credit card debt from the Ratchford Law Offices ( XXXX, PA ) aka XXXX XXXX, XXXX, aka a debt collector. I had no previous knowledge warning including letters or other forms of communication. I was blindsided by this whole event. Not only was I blindsided I am in immense fear and have been having nightmares since this XXXX showed up at my home. My emotional response has been darning. The point is not whether or not I may or may not have the debt they accuse, but that these debt collectors are using XXXX and the courts to scare and intimate people. The small claims courts and magistrates are just as bad by allowing this to proceed especially when most people are in debt and can't afford an attorney. I have asked the debt collector for more information and they have yet to comply. My " court '' date was moved from XX/XX/XXXX to XX/XX/XXXX, to now XX/XX/XXXX. XXXX.I can't afford to take time from work for this.The statutes of limitiation in PA to collect a debt is 4 years. I think this may be past its expiration date.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax via certified mail to dispute inaccurate information on my credit report. 
I received a copy of my credit report and found the following item ( s ) to be in error. 

XXXX XXXX XXXX {$150.00} XXXX XXXX {$710.00} XXXX XXXX XXXX {$6600.00} To date, XX/XX/XXXX, I have never received a response from Equifax about my dispute. This incorrect reporting of this false information is hurting my credit rating! It is not a accurate representation of my payment and account history. Please assist.
Product: Credit card or prepaid card

I started a Business relationship with Navy Federal Credit Union ( " NFCU '' ), in XXXX My goal was to build a good standing relationship and pursue future investment ventures. A conflict arisen between my account and my grandmother 's, XXXX XXXX, and they have ruined both my life and her life. A procedure that typically would be to protect us against fraud, turned in to a nightmare with XXXX tones. We called and spoke to everyone whom NFCU required. Furthermore, we submitted all requested information. In addition to the aforementioned, my grandmother physically drove nearly XXXX hours away to present the requested documents and present ID and nothing was enough. NFCU actually had the audacity to call the police and send them to my grandmother 's home, for a well fair check and it was proven to be unnecessary. Our records with NFCU has hundreds of notes and no one has resolved this issue in nearly XXXX years, to XXXX XXXX we decided to wash our hands with this institution. I have a credit with NFCU with a XXXX dollar balance ; however, I also have an account with NFCU with XXXX or more in the account, which is untouchable due to the aforementioned circumstances. 

I recently learned that NFCU will not allow me to access account funds ; however, they have a policy that allows them to pay themselves toward the XXXX balance. I requested for them to pay the entire balance in a written letter and authorization ; however, they have continued to only pay the minimum and continue to collect late fees and interest fees. This is XXXX poor customer service and robbery. It has created substantial financial hardship and extreme anxiety. 

This matter could have easily been resolved ; however, NFCU, through their lack of transparency, broken systems, lack of accountability and crooked tactics have made this a huge mess. Being that I have never experienced this with another bank, one can not help but to wonder if this is racially motivated
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint Description : XXXX Invoice dispute on 2019 XXXX County Personal Property Tax Invoice. Tax is not owed due to sale of the vehicle. XXXX invoiced consumer after the account was closed and paid in full. 

I purchased my XXXX Lease and all outstanding payments were paid in full at time of the transaction ; I had a XXXX balance and no late payments. After the vehicle was sold from a Lease and the account closed, XXXX invoiced for 12 months of XXXX County Personal Property Tax in the amount of {$350.00}. This amount is disputed due to sale of the vehicle. The amount is owed as a refund by XXXX County due to the vehicle sales date. Per XXXX County Treasury Office, it is XXXX XXXX   responsibility to request and collect a refund from XXXX County. 

XXXX was not able to provide the prorated amount due until XXXX County refunded tax collected. On XXXX XXXX, 2019, XXXX County refunded {$270.00}. To date, I have not received from XXXX a revised statement showing my balance due with the XXXX County applied credit. I did receive a letter dated XX/XX/XXXX, as a dunning notice to pay {$79.00} within 30 day. {$84.00} was paid XXXX XXXX, 2019 confirmation # XXXX within the terms of the letter. XXXX incorrectly reported to the Credit Bureau 60 days delinquent. My prorated portion of the payment was made timely, within 30-days.. 

After purchasing my XXXX Lease, XXXX County Tax Department Invoiced me directly for the same vehicle for 2019 Personal Property TAX due {$260.00}.