23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX obtained a home loan fraudulently on XX/XX/year> .... he was part of a mortgage " scheme '' ... he obtained the home at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX is on the loan as the purchaser but he does not know about this loan. XXXX XXXX has been living at the house since the time the loan was processed. He pays the house note by XXXX XXXX so as to not alert anyone. He has been putting liens against the home ( see attached document ) the house will then go into foreclosure and he plans To aquire the home... worth XXXX. 
He and several of his friends ( XXXX XXXX ) were part of the housing market crash in XXXX. 
Look at the amount of each XXXX XXXX XXXX has been putting against the house while he lives in it. He runs a XXXX XXXX XXXX XXXX XXXX XXXX from the house. You can see this on XXXX search and attached Secretary of State filings attached. 

I moved in with XXXX XXXX and found the XXXX XXXX payments with XXXX XXXXXXXX XXXX name on them ..I asked who owned the house he said he did and for me to mind my own business. 
I did a background and property Search ... I moved out because of all the fraudulently things XXXX XXXX is doing with LLC companies and mortgage fraud. He is part of hope housing foundation that would assist him finalizing obtaining the property at XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
If you've further questions you can call me at XXXX. Please don't let him continue to do this... him and his friends ruined many people 's lives from XXXX to the present. 
XXXX XXXX XXXX
Product: Credit card or prepaid card

I sent an identity theft affidavit to Capital One regarding a fraudulent account that was opened in my name, Capital One mailed me a generic letter with a phone number that no one can be reached at stating they conducted an investigation and determined that the fraud was unfounded. I tried calling the main number and calls regarding the account in question are routed to a law firm that also does not answer the phone or return my calls. I was a victim for identity theft and fraud and I was not aware of my rights and afraid to take action because I felt that the people knew where me and my family lived at the time. I am now educated about the appropriate actions to take and Capital One disregarded my fraud affidavit. Capital One is the only creditor that did not take my issue seriously. I provided police report numbers as well. I have attached the appropriate documents and the letter from capital one.
Product: Vehicle loan or lease

Uniform Commercial Code ( UCC ) - Article 9, Part 6 ( 9-611, 9-614, 9-615 ) : 9-611 : Notification Before Disposition of Collateral : NMAC failed to provide me with the required notice before the sale of my repossessed vehicle. According to UCC 9-611, a secured party must notify the debtor of the date, time, and method of disposition of the collateral ( in this case, the vehicle ) in a reasonable manner.

9-614 : Explanation of Deficiency or Surplus : NMAC failed to provide me with an explanation of the remaining balance after the sale of the vehicle. The UCC requires secured creditors to inform debtors of the calculation of any deficiency or surplus resulting from the sale of repossessed collateral.

9-615 : Application of Proceeds from Disposition : NMAC did not properly apply the proceeds from the sale to the balance of my loan as required by UCC 9-615 .

Additionally, I was not notified of any surplus or whether NMAC retained any proceeds from the sale improperly.

3. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 : NMACs practices of contacting me to demand the remaining balance after selling my vehicle without proper notice could also violate the FDCPA, which prohibits debt collectors from engaging in unfair or deceptive practices when attempting to collect a debt. Specifically : 15 U.S.C. 1692d : Prohibits harassing or abusive conduct when collecting a debt.

15 U.S.C. 1692e : Prohibits the use of false, deceptive, or misleading representations in connection with the collection of any debt.

15 U.S.C. 1692f : Prohibits unfair or unconscionable practices in the collection of a debt, including any actions that are outside the legal bounds for repossession and sale of collateral.

4. Truth in Lending Act ( TILA ) - 15 U.S.C. 1601 et seq. : NMAC failed to adhere to clear disclosure requirements related to repossession and deficiency balances. Under TILA, creditors are required to provide consu

mers with clear information regarding their rights and responsibilities in the event of default and repossession. Nissan performed illegal collection and repo practices. Nissan has engaged in unfair acts and practices, in violation of the CFPA. 12 U.S.C. 5531 ( c ), 5536 ( a ) ( 1 ) ( B ). They did not advise its me the date or time when a repossession will occur. After repossessions occur, Nissan Motor Acceptance Corporation sends communications to me whose vehicle have been repossessed indicating that the repossession has occurred and noting what I will have to pay to recover their vehicles. By failing to provide proper notification before repossessing and selling my vehicle, NMAC caused significant financial and e
motional harm. Now I am being asked to pay the remaining balance on a vehicle I no longer have.
Product: Debt collection

Requested proof of debt validation and never received with Affirm. Requesting proof of debt from XX/XX/year>XXXX XXXX XXXX
Product: Student loan

With continued in-school deferments since XX/XX/XXXX, my intended principal balance of about $ XXXX has TRIPLED to $ XXXX with expanded interest due to the conversion of older outstanding interest via interest capitalization. At age XXXX for a life long learner, this has amassed an unexpected $ XXXX total debt. 

Yes, it's XXXX and I am finally finishing a protracted XXXX XXXX. I got my MA during XXXX from the now-closed XXXX University. I started my EdD via the now-closed XXXX University and jumped over to a PhD completion program at XXXX University XXXX I have taken semesters off due to work pressures, but always understood these periods as limited grace periods between school enrollment. 

This is embarrassing and crushing to me. I am exploring PSLF in retirement with a non-profit. I am perfectly happy to take on my ACTUAL principal and associated interest, but not this compounding which is predatory and unfair in my opinion.
Product: Credit card or prepaid card

In XX/XX/XXXX, I had submitted a complaint to CFPB regarding Citibank 's failure to provide to me {$100.00} XXXX XXXX flight certificates for several years. I have received a response to case # XXXX from Ms. XXXX XXXX yesterday, and am not satisfied with Citi 's investigation into the matter. 

Citi 's response claims that the {$30000.00} spend requirement was not met for those account years. I tried to verify this data by exporting my transactions from the Citi website, which only allowed me to do so from XXXX forward. I exported all my transactions for the time period of XX/XX/XXXX to XX/XX/XXXX, and noticed the comma-separated value spreadsheet excluded all transactions preceding XX/XX/XXXX XXXX see attachment ). The exclusion of those transactions would cause my annual spending to not meet the {$30000.00} threshold for the award. 

Fortunately, by using the services of an account aggregator, I was able export all of my transactions using that card as far back as XXXX. Using the definition of an account year as XXXX XXXX XXXX, I summed all the debits for each account year since XX/XX/XXXX and discounted all the credits ( except for statement payments ) and for each one of them the {$30000.00} spending threshold for the award was met, which would have entitled me to the {$100.00} flight certificates ( see attachment ).

In an apparent effort to cover their bases, Citi stated in their response that " if the spend requirement would have been met, you would have needed to contact us within one year to request a replacement certificate. '' They did so without citing any rules. In the past, this benefit was automatically mailed to me. There was never a need to request a flight voucher and I believe this is a material change in the benefit that was not communicated to customers. 

The latter than states that " effective XX/XX/XXXX, the {$100.00} flight discount for {$20000.00} spent in the cardmembership year was added to existing accounts. This applied to any charges starting on XX/XX/XXXX, through your XX/XX/XXXX statement. The spend requirement was met during this time frame. '' Yet, I have not received any {$100.00} credit toward travel on XXXX XXXX, despite having spent over {$100.00} on airline tickets in the past year. They then cite my conversion of the card on XX/XX/XXXX XXXX XXXX full year after the XX/XX/XXXX deadline cited above ) as a reason to deny the benefit. It should come as no surprise to Citi that I would convert the card to one without an annual fee when the promised benefits are not being delivered. 

I am extremely concerned by Citi 's inability to correctly calculate my spending and unwillingness to rectify this situation.
Product: Checking or savings account

Not allowing deposit to be accessed before creditors charge late fees and also not being able to access money until after being charged higher fees in interest in actually just taking from consumers and me.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/year> -- {$XXXX}
Product: Checking or savings account

Most likely the Bank wont open my account because I do n't have credit.
Product: Mortgage

Guaranteed Rate lender delayed my application. I had to constantly probe into its status. When they finally did contact me they denied the loan based on information I had given them from the start. This delayed my application, resulting in an opportunity cost of not continuing with other lenders, and has also caused the one month credit check report to lapse which means when I apply with another company a hard credit check has tbe rerun. 

I had informed them I had a duplex. I told them how much rent I was getting from the rental unit ; that I and my son lived in the main unit but also that there is rent from the main unit as it is near the campus and being a large home its extra rooms are rented. They did not take this information into account to figure out my countable income. After a long delay they finally said the rental income from my own owner occupied unit is not counted hence not meeting income to debt ratio. 

Their non-responsive, un-informing, uninformed approach has cost me delays, hence costs and a lowered credit score due to thirty day  lapse.
Product: Credit card or prepaid card

On XX/XX/2023, my Barclays Master Card ending in XXXX was stolen from my purse while I was at the XXXX XXXX in XXXX, PA ( I was at the gym from approximately XXXXXXXX XXXX until XXXXXXXX XXXX ). The thieves traveled to the XXXX XXXX and XXXX stores in XXXX, PA ( approximately XXXX XXXX XXXX from the XXXX XXXX  ) and made unauthorized purchases with my Barclay Master Card ( as well as other cards that had been in my purse at the time of the theft ). I noticed the theft at approximately XXXXXXXX XXXX on XX/XX/2023 and contacted XXXX XXXX XXXX of the Pennsylvania State Police to report the theft and fraudulent use of my credit and debit cards. XXXX XXXX provided me with his report number ( XXXX ) reference the incident. XXXX XXXX was able to confirm while I was with him that Target had video surveillance of the unauthorized purchases at their store and confirmed that the user was a XXXX individual ( which I am not ). 

Later on the evening of XX/XX/2023, I contacted the customer service phone number of Barclay Card and reported that my card had been stolen and that unauthorized purchases had been made earlier that evening. Based on information I was able to learn from logging onto my online account, it appears that two transactions were attempted using my Barclay Card, both at XXXX XXXX in XXXX, one in the amount of {$1000.00} and another in the amount of {$1600.00}. A fraud investigation was supposedly initiated, my account was closed, and a replacement card with a new number was ordered. 

On XX/XX/2023, I received a letter from Barclays dated XX/XX/2023, indicating that their fraud investigation was complete, they determined that the " activity is valid based on your previous purchase history with the merchant '' and that the charge would be returned to my account. This letter referenced the {$1000.00} transaction from XXXX XXXX on XX/XX/2023. 

I faxed and mailed a letter dated XX/XX/2023, to XXXX in which I explained the situation, how the theft had occurred, provided the police report number and contact information for XXXX XXXX, and requested that the fraud investigation be re-opened because the charges made on my card on the evening of XX/XX/2023 was not authorized by me. 

On XX/XX/2023, I received a second letter from Barclays dated XX/XX/2023, indicating they had again completed their investigation and determined the " activity is valid because the card was identified as being in your possession and chip card technology was used, which can not be counterfeited. '' Again, they referenced the {$1000.00} transaction that occurred on XX/XX/2023 at XXXX XXXX in XXXX, PA. As stated above and as reported to 1 ) XXXX XXXX XXXX XX/XX/2023, 2 ) Barclays fraud department by phone on XX/XX/2023, and 3 ) Barclays via letter dated XX/XX/2023, the card was not in my possession when it was used because it had been stolen earlier that evening. I did not authorize anyone to steal my card or use my card. Barclays has refused to contact the police or conduct a meaningful investigation of this matter and is claiming I am responsible for the unauthorized charge in full.
Product: Credit card or prepaid card

so I talked to the company and rudest manager Alive who had no idea what was going and she we are never crediting a late fee on any of your accounts ever again and I am really upset why are your customer service managers like robots and they never want to lift a finger to help these last 2 late payment were both due to corona virus and I finally was able to catch up my account I really need those XXXX late payment s gone it wasn't my fault on this and I really need your help to get them off there and none of your managers care what so ever
Product: Debt collection

They have called me over and over, over the course of the past couple years. I have given them all the information I can and I have told them to stop contacting me and they still continue to call me. The last call I received from them was XX/XX/year> at XXXX XXXX.
Product: Student loan

I have a personal school loan in the amount of {$36000.00} with Sallie Mae. Sallie Mae has charged me late fees because i have been latte with payments because I am not able to make the current payments. Sallie Mae has never contacted me directly. They have only called my co-signer with an automatied system. Because of Sallie Mae negligence. Sallie Mae reported my loans to the credit reporting companies as defaulting. So now they have ruined my credit rating and my co-signers.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report on XX/XX/XXXX, I have identified certain inaccuracies that need to be addressed : 1. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. The following personal information is incorrect XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following personal information is incorrect XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generall, 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 suppose 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. 


Thank you for your attention and assistance in resolving this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I am writing to let you know I'm so sorry about a recent incident that happened to an order I placed at XXXX. I have been mistakenly billed for products that were never delivered to me or picked up by me. I have made repeated attempts to resolve the issue.
Product: Student loan

On XX/XX/year>, I've submitted a School Misconduct Discharge application that was provided to me by Navient. After it was submitted, I received a notice on XX/XX/year> that my application was denied. The reason given was not a full transparent explanation on to why the decision was made to deny it. The letter stated the following reason and I quote : " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do no meet the requirements for discharge based on misconduct by your school. '' Upon receiving this denial, I made a phone call and chat with a customer service agent and was still not given a transparent answer on to why it was specifically denied or what additional information was needed to have my application reconsidered. I was told the following statement " Navient considers a variety of factors in determining whether a private loan should be discharged based on school misconduct. That analysis is confidential and proprietary to Navient '' I requested an appeal process to this denial and was just told to resubmit an application again. On my original letter that they had received my application it stated the following : " If during our review, we determine there is missing information needed to consider your application complete, we'll let you know what's needed to continue with your application '' With that said, I was never asked or given an opportunity to even provide additional documentation that may have been needed during a review process that may have helped give a full and fair review process rather than just being another added statistic to the pile of automatic denials that have been given to customers.
Product: Mortgage

Loan Created in XX/XX/2023 Flagstar Bank XXXX XXXX XXXX, MI XXXX To Whom It May Concern, I am writing to express my serious concerns regarding my recent experience with Flagstar Bank in relation to my Home Equity account. 

I initiated the process of obtaining a home equity loan with Flagstar Bank, and throughout the process, I encountered several troubling issues that have led me to question the bank 's practices and ethics. 

At the final stages of the loan processing, Flagstar Bank unexpectedly decided to allocate 50 % of the funds from my home equity loan to pay off an existing loan. The concerning aspect of this decision is that Flagstar Bank insisted on paying off a loan with a 2.99 % interest rate, despite the availability of other loans with significantly higher interest rates, ranging from 10 % to 20 %. This decision appeared both strange and unethical, and I am inclined to believe it may even be illegal. 

Furthermore, after beginning repayment of the loan, I discovered that Flagstar Bank 's website does not allow for extra payments ( except during a hidden 7 day window ) or payments made every two weeks, which is not disclosed on their website. This limitation on payment options, combined with the decision to pay off a lower interest rate loan, suggests a deliberate effort to maintain customers in debt and prevent them from making principal payments. 

I find it deeply troubling that Flagstar Bank would engage in such practices, which appear to be predatory and exploitative. It is unacceptable for a financial institution to operate in a manner that undermines the financial well-being of its customers. 

Therefore, I am formally requesting an investigation into Flagstar Bank 's handling of my home equity account, including their decision-making process regarding loan allocation, disclosure of payment options, and any other relevant practices that may be deemed unethical or illegal. 

I urge your agency to thoroughly investigate this matter and take appropriate action to address any wrongdoing on the part of Flagstar Bank. Additionally, I request that you keep me informed of the progress and findings of the investigation. 

Thank you for your attention to this matter. I trust that you will take the necessary steps to ensure that justice is served and that consumers are protected from unfair and deceptive practices.
Product: Debt collection

I got a notification that I had a collection account on my credit report and it was from National Credit Adjusters with XXXX XXXX. This account was included in my bankruptcy in XX/XX/XXXX. I called XXXX XXXX XXXXXX/XX/XXXX and they verified that this account was in my bankruptcy and I would need to speak with National Credit Adjusters. 
They have been harassing me with phone calls and threatening to take me to court even though this account was taken care of. I called XXXX XX/XX/XXXX and was told this was in XX/XX/XXXX when that information isn't correct. I have the letter from XXXX XXXX that I will attach to this claim.
Product: Credit reporting or other personal consumer reports

On XXXX  I filed a complaint due to inaccuracies being placed on my consumer report by Experian. Today is XX/XX/, upon my discovery Experian has not contacted all of the furnishers that I disputed on my consumer report. They only have two disputes on file for XXXX XXXX and the department of educationXXXXXXXX XXXX  This is a federal violation of the FCRA, as credit reporting agencies have to contact furnishers within five business days when a complaint/dispute is filed.
Product: Credit card

I opened a new account with BoA and upon receipt of the new card I also received a fraud letter. Upon getting that letter I was told I would get a letter on how how to validate. A few days later I then get a bill for the annual fee on an account I can not use so I called to figure that out, again told they cant do anything as I cant validate my account. Talked to a fifth person and told I can verify virtually but the system to set that up doesnt allow such without an online banking account, which I can not create without verification so was given the phone number to a branch in XXXX XXXX KS which does not answer the phone at XXXX XXXX CT after 40 mins of repeated cycling back and forth in the automated system to no avail. Called back again, got the option to have them call back when we person was available which they they then hungup before connected to an agent so tried calling back again and got a person who at this point I was clearly irritated due to the total waste of my time with hours of invested already and just want to close this account, which I was told they cant because I cant validate. This is circle that will not or can not get resolved by the BoA and they seem unwilling to resolve knowing I am hundreds of miles from a branch and they offer no other resolve.
Product: Checking or savings account

i bought a car and wire the money to chase bank account, the company was doing scams there was no car, before i get my money chase closed the account due to fraud. 
i field the fraud case with fraud department. 
my case no is XXXX