23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have submitted the loan modification review for my property. However, the lender was denied and did not give us any types of modification. Since we are facing with hardship and want to sell the house under short sale. We have submitted the other request for short sale after they denied loan modification. We have submitted on XXXX XXXX, 2016 and got offer. We have tried all best to comply with lender as they expected. They forced us to sign the auction agreement with XXXX. We had signed and just a matter we need help to move on with our life for short sale and relocation assistance. 
However, the lender called my agent today XXXX/XXXX/2016. They told my agent that they denied our short sale because the sale date is coming XXXX/XXXX/2016. They said that I did not submitted the short sale request on time. 
It look like I will be in trap as other victim homeowner to be foreclosed soon with NATIONSTAR MORTGAGE. As the short sale submission, that we requested over 45 days before foreclosure sale date, they did not help us and claimed on not sufficient time. OMG, what did the lender do for my file since XXXX XXXX to now. They have sent XXXX appraiser out and we did follow and now no time. Wait a minutes, is it right to do that and kick us out of our house and sell the house for their internal investor? 
I am having bad experiences with Nationstar since my attorney told me before that my mortgage was making wrong at first place and cause to my mortgage keeps increasing. The bank did not access my mortgage and income documents correctly and now they did not help and just want to foreclose. I never want to foreclose my house and want to keep it. 
However, it is not my fraud and its bank fraud and did not check what did the mortgage broker and loan officer while they were taking my application. Our income was inflated and we did not know they cheat on us. Now, they dont take responsible and just want my house and kick us out. 
Is it fair for us? We need somebody to judge on my account and help us to bring the fishy to light. They must either help me with affordable payment or short sale in peace.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the Credit breach 161 fraudulent accounts were added to my credit file. The copied old accounts that were previously paid. For example I had one loan through XXXX, now I have 9 total loans that showed zero payments and the account has been closed. I made payments to that loan when I was in school and it was paid off before I even graduated. Now shows up as nine negative things on my credit statement and the original loan isnt even on there anymore. The number provided to XXXX XXXX XXXX as the dad is the number to a phone XXXX line. I have about 40 other debts to the Department of Education and I was city thats been close for 10 years. Im showing Student Loans on my account from when before I even started school. I am being sent fake mpns, and the Department of Education cant tell if these are fake and PMs because theyre not educated on what the identification number on the MPNs actually means, that arent even valid but still being registered through the department education as it being a valid debt. I havent been able to have a bank account or a credit card in over 10 years because of all this improper reporting on my credit. In 2015 I had my entire life savings account how old and taken from me to pay for this debt. My father has been contacted since he was the cosigner on one of the loans, he has paid over {$60000.00} to this company and I was city thats now shut down. I have paid over {$50000.00} to the company in XXXX  XXXX thats now shut down. I had {$20000.00} seized out of my bank account and I dont know where this money was sent to. Someone needs to pay me back the money thats been taken because of all of this somebody needs to be held accountable and someone needs to pay me back and stop people from taking more money from me and allowed me to actually have a bank account as are all violations of my consumer rights they are violating son of Sam laws by trying to make a profit off of any of this and none of them should even be in business if they cant even contact me to let me know that my information was breached. I want my money reimbursed and I want these fraudulent credit reporting agencies to be shut down because they are not reporting anything close to accurate on anybodys credit report due to this bridge and they have no intention of fixing it or they would have by me submitting the five different times Ive tried dispute everything on my credit file and everything came back as not disputable because they were valid debts but yet only my name and a dead amount is on 3 % of the reports so I dont know how they contacted anybody if there wasnt even a name given
Product: Credit card or prepaid card

I closed an American Express charge card account on XX/XX/2020. 

There was a balance of approximately {$530.00} owing to me when I closed the account. 

American Express told me that I would receive the {$530.00} within 15 business days. 

I provided checking account information so the {$530.00} could be sent to me by wire. 

On approximately XX/XX/XXXX after 15 business days I had not yet received the {$530.00} refund, so I called American Express. The representative apologized and told me I would receive the refund within 5 business days. I confirmed that American Express had my checking account information correct for purposes of making the wire. 

On XX/XX/XXXX after another 7 business days I had not received the {$530.00} refund so I called American Express again. The representative apologized and told me I would receive the refund by wire no later than the close of business on XX/XX/XXXX. I again confirmed that American Express had my checking account information correct for purposes of making the wire. 

I did not receive the refund on XX/XX/XXXX. 

On XX/XX/XXXX, I had still not yet received the {$530.00} refund, so I called American Express again. I was transferred to a manager and was told that she would do everything she could to expedite the refund within XXXX business days. I again confirmed that American Express had my checking account information correct for purposes of making the wire. 

On XX/XX/XXXX, after 5 business days I had still not received the {$530.00} refund, so I called American Express again. I was again transferred to a manager who said they would look into it. I again requested that American Express make the refund as soon as possible and contact me with updates. 

It has been 30 business days since I closed the account and I have still not received a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit beaurues inolved are inaccurratly reporting my XXXX XXXX XXXX Account. The Account number is XXXX. I have had a repossession and it was reported to my account and I had a decrease to my credit score. However, XXXX XXXX XXXX is now reporting missed payments and keeping the account open wich is having a negative impact to my credit reports ( XXXX and Experian. XXXX XXXX is also in vilation of The CARES ACT. It is not okay for the credit beaurues mentioned to keep reporting fals information. I do not own the veichle and kow that is has been sold, XXXX XXXX is trying to double dip and continue to inpact my credit wich is very wrong. The credit beauties need to start reporting accurate information or completely remove this account as it is in violation of The CARES ACT and is causing harm to my credit report for the last 9 months. It is oreventing me from purchasing my new home.
Product: Student loan

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} ; XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} ;
Product: Student loan

AES ( American Education Services ) is trying to collect a debt that is no longer owned by the loan holder that they claim is the loan holder ( XXXX XXXX XXXX ). I spoke to several people at AES as I was trying to pay a debt that was originally placed on my bankruptcy and resolved, however, I was told its a possibility of it re-surfacing. After speaking to AES and them telling me they were not the loan holder and they could not change anything with my loan, I asked who is the loan holder and contacted who they said is my loan holder which is XXXX XXXX XXXX. XXXX XXXX XXXX said they do not own my loan and have no records of it. I then called back to AES and was told, " no one owns my loan ''. I now know that they are just a collection agency trying to collect a debt that was resolved in my bankruptcy in XX/XX/2009. I want them to take this off my credit and to stop harassing me.
Product: Vehicle loan or lease

I leased a car from Ally and after returning the car they billed me with almost XXXX XXXX dollars. Had I known this prior of returning the car I would have purchased the car and make the profit my self. But they purposely are not notifying their customers about this. so they can double dip the profits.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I checked my credit report and there are several wrong addresses on the credit report XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX
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 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, 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 a 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. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

On XX/XX/2016 my husband and I paid off our Mortgage Loan # XXXX at Fifth Third Bank on Butternut in XXXX MI. To date we have not received a discharge of Mortgage or release of lien on our home. I have spoken with a representative at their customer service department who told me I could go to the XXXX for that information ; we did not make our payments to XXXX. I have also spoken a number of times with XXXX, a manager at their XXXX Branch ( the Branch where we did business ). Each time I have spoken with XXXX, I was told to expect " something '' in the mail or that I would get a call to pick it up at the branch. After a month of repeated calls I have yet to receive anything!!! Is it not a normal course of business for a lender to provide evidence of a satisfied debt to their customer? In the past when paying off a mortgage/loan I have received the original note marked " discharged '' or " satisfied ''. Is this an unusual request?
Product: Money transfer, virtual currency, or money service

My account/routing # for my Chase account was comprised by a screenshot I had on my phone of that information + the exact amount that was in my account {$78.00}. I called Chase + explained it + asked them to close the account. This was Saturday. They said they couldnt do ANYTHING for me until the branch opened on Monday. {$75.00} then left my account via XXXX. I then called up again, explained agin what happened + how this was there fault for not being able to close accounts over the phone when asked. How could that be real? Anyway, I went into a branch, spent two hours with a manager filing a claim. I signed a paper + faxed it into fraud. He let me know that XXXX was backed by Chase + due to the nature of my claim ( as well as all the previous telephone conversations they must have of me ) that it would be 100 % reversed + put into my new account that I had to open! Now I am being told that XXXX rejected the claim as they do not provide buyer protection???? XXXX. Please help me. This is ridiculous! Its totally Chases fault too. They shouldnt have 100 % promised something if they knew that XXXX is trash, an actual scam in itself, and doesnt offer any type of buyer protection like XXXX does. I will never be using XXXX again, and very disgusted with Chase as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a debt. from a health care company turned over to collections with XXXX XXXX XXXX. I paid this account in full and it is marked paid with a XXXX dollar balance on all of my credit reports. XXXX agreed to remove it from collections on my credit report since it had been paid in full and the original balance was only {$130.00}. However, both XXXX and Transunion refused to remove the item from collections on my credit report, even though the account showed a XXXX dollar balance on both reports. Both comapanies told me they could not do anything for me unless XXXX XXXX XXXX sent them and electronic agreement that they wanted the item removed from my credit report. I contacted XXXX XXXX XXXX multiple times and they repeatedly claimed they sent this request to all three credit bureaus and can do nothing else to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months. 

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer. 

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. 
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax said my info has been hacked
Product: Debt collection

I received a notice from XXXX XXXX XXXX membership that a collection was placed on my report for XXXX dollars from Deversified Consultants XXXX, XXXX XXXX XXXX XXXX. XXXX Fl. XXXX. I received this notice XXXX XXXX 2015. I have never heard of these people and have never received a letter fron them verifying a debt nor amount or notice of my rights to dispute. Iam simple put in collection without any communication attempt.
Product: Checking or savings account

I noticed fraudulent charge when checking my Bank of America Acct on my phone. notified bank and ordered a new card. within an hour got a call on my screen said Bank of America with there XXXX number. the guy said he was from Bank of America and my funds were not secure and they now use XXXX XXXX XXXX to secure money for XXXX hrs. the next day I tried to call Bank of America and they never returned my calls. the day after I noticed my money gone from my account and again called the bank. I finally had to go down to the branch and they told me I was scammed and I authorized them to take {$8000.00} dollars, all my money was drained from my account. a day after we realized they had hacked my phone completely because i could not receive any calls or messages that whole week so if the bank did call or message me about fraud I would not of received it, XXXX took many tries to remove the virus and said they had not seen this happen like this before. I have pictures of screen shots and keep messaging Bank of America and even at the bank the manager asked me what I was thinking when I did this.. XXXX XXXX and had no idea but they have not been helpful and make it hard to reach out and I cant leave the bank or they will close my case. I am going to the bank today to file a Regulation E form but last time i went they told me I needed an attorney
Product: Debt collection

Continually receiving calls, I dont know this debt collector I dont have a wet signature with this company and they didnt provide any information proving that the debt belongs to me
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 previously disputed these accounts with the relevant credit bureau ( Experian ) requesting that they verify the accuracy and legitimacy of these accounts in compliance with the FCRA. However, the credit bureau was unable to provide valid documentation or evidence to verify these accounts correctly, despite their legal obligation to do so. As a result, these charge-off accounts remain on my credit report, causing significant harm to my credit score and overall financial situation.

The accounts in question are as follows : XXXX Account Number : XXXX Creditor : XXXX XXXX Last Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX XXXX Last Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX Last Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX XXXX Last Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX Last Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX Last Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX Last Reported:XXXX Since the cr

edit bureau could not verify the accuracy of these accounts, I have reason to believe these accounts are fraudulent. I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter because of the serious implications of having unverified and potentially fraudulent accounts remain on my credit report. Under the FCRA, I have the right to dispute inaccurate or outdated information in my credit report. Specifically : FCRA Section 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable investigation of disputed information and to delete or correct any information that can not be verified or is inaccurate. FCRA Section 623 ( 15 U.S.C. 1681s-2 ) places an obligation on furnishers of information to provide accurate data to credit bureaus. If they can not verify the accuracy of the data they are furnishing, they must cease reporting inaccurate information. FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) provides that if any information on my credit report is the result of an identity theft or fraudulent transaction, I may request the removal of that information by submitting an identity theft report. Though not an identity theft case, this section emphasizes the importance of ensuring that information reported is verified and accurate, as any unverified or fraudulent entries must be removed. FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in credit reports. I Attached to this complaint : previous dispute letter and a second dispute letter, FTC report, identity and address documents, accounts disputed, and all the inaccurate information highlighted. Thanks for your help
Product: Credit card

According to the terms and conditions of COMENITY BANK, I submitted a billing error notice and COMENTIY BANK has yet to respond, which is a violation of federal law. COMENITY BANK has not mailed or delivered written acknowledgment of receiving the billing error within 30 days of receipt. The billing error notice requested clarification of the disputed amount including documentary evidence. Attached is a copy of the billing error notice, billing statement of disputed amount, and the certified mail receipt.