23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX we applied for the Keep Your Home California ( KYHC ) Principal Reduction Program ( PRP ) and in XX/XX/XXXX we received {$89000.00} in PRP funds. As part of receiving the funds we signed a note and deed of trust that was recorded in the county records. On XX/XX/XXXX Nationstar Mortgage applied the funds to our account. Shortly thereafter, Nationstar sent us a proposed recast agreement with several errors. We replied with a letter detailing the errors in the proposed recast agreement. Nationstar sent us the identical recast agreement and we again sent a letter detailing the errors in the document. Nationstar then sent us the third copy of the proposed recast that had minor changes to the amount we would owe, but still had the errors detailed in our two previous letters. On XX/XX/XXXX we sent a third letter to Nationstar again laying out the problems with the proposed recast agreement. On XX/XX/XXXX, Nationstar Vice President of Corporate Social Responsibility XXXX called me to discuss the recast agreement. XXXX stated that a signature for a recast agreement was no longer required ; that signing a recast agreement was not a requirement of KYHC and that Nationstar was adhering to the guidance provided by KYHC and the U.S. Department of the Treasury. She promised to email a document with the information. We never received the promised email and information XXXX XXXX promised to send. Our mortgage statements showed the application of the {$89000.00} to our account. 
In XX/XX/XXXX we applied to Nationstar for a Home Affordable Modification Program ( HAMP ) modification to our mortgage loan. On XX/XX/XXXX Nationstar approved the HAMP modification. On XX/XX/XXXX Nationstar returned the {$89000.00} in KYHC funds, removing them from our account. We never received any notice of any kind from Nationstar or anyone else suggesting that there was any problem with the KYHC PRP funds. 
I contacted KYHC and learned that KYHC and the Treasury require that a recast agreement be signed in order to receive funds from the program. Additionally, a borrower can not apply for both KYHC and HAMP simultaneously. Because we had not signed the recast agreement we effectively had XXXX open applications for federal programs and that mandated the return of the KYHC monies.In XX/XX/XXXX KYHC reconveyed the Deed of Trust we signed for the KYHC PRP funds. 
KYHC staff informed us that we could reapply for the KYHC program. By the time we had learned all the details of what had occurred, while we could reapply for KYHC and likely receive PRP funds again, we would not have been able to obtain a HAMP modification due to the termination of the program on XX/XX/XXXX. 
Nationstar and XXXX appear intent on forcing us into foreclosure. Nationstar has refused to work with us to resolve this, even though we have commenced litigation over their mortgage servicing violations and fraud.
Product: Credit card

I purchased a virtual gift card from vanilla gift card. The card did not work at any merchant. I informed the merchant and they kept saying it's good to go. After many attempts I ask for money to be refunded. By the start of XXXX I was now ask to wait 3 weeks for a check refund. 
At first I was told it was issued XX/XX/XXXX, then XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
What I discovered is those dates matches with the dates that I called. 
Overall they are giving dates based on when I called so obviously the check is not being issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

Allied C ollection Servic Opened  XXXX   XXXX ,  XXXX  {$170.00} Original creditor :  XXXX    XXXX   XXXX   I have legal documentation that this account was stated as CLOSED and that their would be no further financial obligations as of  XXXX   XXXX .
Product: Debt collection

I received a call from XXXX five days ago. " American Express XXXX XXXX '' has continued to call from this number. Interestingly, this number also comes up as XXXX XXXX. They have failed to provide a letter discussing why they are calling as required by law. This has been an ongoing issue with this company. This is also a violation of federal law, which requires written notice within five days that includes creditor, amount, rights, etc. The letter received does not disclose that " this is an attempt to collect a debt '' and not provide the required notice within five days. This company should be prevented from conducting any additional calls as this is now being harassment.
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. 

Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX  : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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

On our XX/XX/XXXX Bank of America mortgage statement, the fixed principal balance is {$190000.00} Original BofA balloon mortgage was opened in XX/XX/XXXX with {$200000.00} balance. It was converted to {$200000.00} fixed mortgage with non-interest balloon in XX/XX/XXXX. On or about XX/XX/XXXX the mortgage or about was sold/ transferred On or about XX/XX/XXXXXXXX transferred/sold the account back to Bank of America BofA has and continue to report to all Credit Bureaus conflicting, erroneous, and negative data which have had negative and adverse impact on all three Credit Bureau Reports . As a result of this, I have been denied twice because mortgage balance owed on account is too high I have tried for two years to correct this on my credit reporting by filing disputes with Bank of America Office of the President, CFPB and all three Credit Bureau with no success.

Errors include, but not limited to : Bank of America ( website/statement ) Opened XX/XX/XXXX Original balance XXXX  Current Balance XXXX  Current interest rate XXXX  Transferred to XXXX XX/XX/XXXX XXXX Credit Report Bank of America- Open Date opened XX/XX/XXXX Date last report/update XX/XX/XXXX BalanceXX/XX/XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Credit XXXX  Months reviewed 99 Balloon payment {$180000.00} Bank of America -closed Date open XX/XX/XXXX Date closed XX/XX/XXXXBalance {$0.00} High credit XX/XX/XXXX Months reviewed 12 Date ReportedXX/XX/XXXX Balloon payment {$0.00} XXXX XXXX XXXX  ( Closed ) Date opened " XX/XX/XXXXDate Closed XX/XX/XXXX Balance XXXX Months Reviewed 13 Balloon payment ( blank ) XXXX-Credit Report Bank of America ( Open ) Date opened XX/XX/XXXX Date of updatedXX/XX/XXXX Balance XXXX  High Credit Months Reviewed 66 ( 18 months -ND ) Date reported XX/XX/XXXXXXXX XXXX- ( Closed ) Date opened XX/XX/XXXX Date closed XX/XX/XXXX Balance XX/XX/XXXXMonths reviewed 13 Date reportedXX/XX/XXXX XXXX -Credit Report Date opened XX/XX/XXXX Date last report/update XX/XX/XXXXBalance XXXX Months reviewed 76 I have included Credit Reports I pulled on or about XX/XX/XXXXwell as a spreadsheet ( data from credit reports and Bofa bank statements ) which will highlight errors.

I would appreciate any assistance you my give me. My email address is XXXX  or I may be reached by phone at XX/XX/XXXX feel free to leave message.

Thank you XX/XX/XXXX Attachments
Product: Credit reporting or other personal consumer reports

In 2021, I initially requested debt validation from XXXX XXXX as well as asking XXXX, XXXX, and Equifax to investigate that the information being reported on my consumer report was accurate. XXXX at that time sent me a copy of a past due bill which is NOT the information that I requested to be able to validate the debt on my end. XXXX, XXXX and Equifax responded stating the account was verified. I initiated this process again in XXXX and received the same information. XXXX then asked if I wanted to mark the account as fraud to which I stated I don't know if it's a fraudulent account or not but I have no accounts with XXXX XXXX XXXX so as I requested again the due diligence is on the Reporting Agency to report accurate information. If the account is fraudulent then they can mark it as such. I should not have this account reporting on my consumer report if it has not been validated as an account that I own and I have not been able to get any complete and valid information from either the reporting agencies nor XXXX I have asked XXXX to provide detailed information for my records that would help validate this debt such as : 1. Verification of the Debt : Please provide detailed documentation that verifies the debt you claim I owe. This should include information about the original creditor, the amount owed, date that the original account was opened and the date the account became delinquent, and the terms of the debt agreement. It should also confirm whether or not the debt is within the statute of limitations for collection. Please note that supplying just a copy of a bill from the original creditor is NOT actual verification that the debt belongs to me. 2. Itemization of the Debt : I would like an itemized breakdown of the total amount claimed, including any individual amounts and accumulation breakdowns, fees, interest, and/or additional charges that have been added to the original debt. This will help me better understand the total amount being sought. 3. Proof of Ownership : Please provide evidence that your agency has the legal authority to collect this debt. This should include documentation of the assignment or purchase of the debt from the original creditor along with the amount that you have purchased the debt for and the date of assignment. Please note that supplying just a copy of a bill from the original creditor is NOT actual proof that you have the right to collect. 4. Verification of Communication : If your agency has made any prior attempts to contact me regarding this debt, please provide proof of those communications, including ALL dates and methods of contact. I have provided more than 30 days to get this resolved and I am getting no further information from them other than just a bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX, and XXXX were XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need XXXX XXXX immediately : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX CT XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CO XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX  XXXX  XXXX XXXX .... Balance XXXX - ; XXXX XXXX & XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX  XXXX Balance : {$5500.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries passed on that should be taken out or blocked. Per FCRA segment 605, Experian Credit Bureau is expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I recently lost my Discover Credit Card and informed the company about it through the mobile app. They included a notification before deactivaing my account that my online transactions and in store purchases on old account will be deactivated and they will send a new card the next day. On XX/XX/XXXX, after I received the new card, I could still use my old card to make a purchase on XXXX, I reached out the company about stopping all kinds of transactions on my old account including recurring charges ; they assured me that they have rechecked it and will stop all the transactions immediately. On XX/XX/XXXX, I could still make purchases on XXXX 's. Also, my recurring charge of XXXX monthly payment went through on XX/XX/XXXX. ( which btw is NOT marked recurring on Credit Card statement ). 
I called Discover to see what went wrong and why haven't they still not closed my account completely. The agent goes on saying that they can not do that, the agent on XX/XX/XXXX misinformed me about the policy. And recommended that I contact each and every merchant to update my billing information. I have thousands of merchants that I used over last 3 years with discover card, now they want me to reach out to each of them seperately to resolve the issue.
Product: Credit reporting or other personal consumer reports

I have attempted in good faith to settle this account with Capital one however at this point I have witnessed Securities fraud and am aware of a XXXX with my account that capital one is committing. The account number is XXXX XXXX XXXX XXXX. My application for this account was the promissory note. I supplied capital one in good faith a security, and then again via registered mail under Medallion Signature Guarantee, I reserve all rights to this security, and I reserve the all rights to title and interest. 

According to the XXXX XXXX and the audit that I have in my possession capital one has transferred this note and proceeded to sell on the secondary market without my consent, upon these findings I have reached out to capital one with a letter of instruction on where to send interest payments for this XXXX as well as allowing them to continue to trade and keep 20 % in good faith however have been ignored entirely. This is my final attempt to close this matter with capital one prior to submitting the necessary documents for arbitration and further open a report to the SEC, IRS, and XXXX on securities fraud as well as filing with the proper venue in the XXXX XXXX XXXX as this is a matter in equity. In good faith am giving Capital One this final opportunity to correct this issue prior to doing so across this account as well as any other held with them. 

It is against federal law in accordance with the Equal Credit opportunity Act to proclaim an adverse action against a consumer. The note was the collateral and the instrument tenders payment. Capital One has taken adverse action against me and has caused damages. I am requesting the adverse action that is being reported on this account be removed from my credit report as well convert this account to open ended and issue a new card. The security instruments tenders payment. Capital one has the burden to demonstrate that it held the note and did not transfer it. Furthermore Capital one broke the contract filing suit although the contract contained an arbitration clause this in itself voided this contract but further more was the wrong jurisdiction. Value was provided to the instruments the capital one sent as well, this was done with a pay to the order of and a medallion Signature guarantee again and sent again on XX/XX/XXXX XXXX  under Registered Mail number [ RF XXXX XXXX XXXX XXXX ]. Any holder of the consumer credit contract the debtor can assert their right. I can not be denied credit I gave capital one something of value in this case a security. Ignorance of the law does not excuse misconduct in anyone I have reviewed the Indentured agreement from the SEC filings, I highlighted any areas that may help to clear up the responsibilities Capital One has as a company to its investors and holders and upon request can send a copy, there shouldnt be a need for this however if the parties need a reminder of their duties I can do so. I am confident that this issue can be resolved quickly and efficiently without the need for further escalation, arbitration, or equity court. Please feel free to contact me in writing at XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and demand the immediate removal of inaccurate information from my credit report under my rights established by the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ). Upon reviewing my credit report, I found the following inquiries that are either inaccurate or unauthorized : INQUIRIES THAT NEED TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681s-2 ( b ), you are legally obligated to ensure that any information you report is accurate and verifiable. Failure to remove these inaccurate items constitutes a violation of my rights. Additionally, as outlined in 15 U.S.C. 1692c, continued reporting of false information without proper verification is unlawful. If these items are not removed immediately, I will have no choice but to pursue legal action for each violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, Experian & XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Certified letters with copies of drivers license, social security card and proof of residency have been repeatedly sent to Experian SINCE XX/XX/2017 requesting correction of my name along with other inaccurate information on my reports. Experian continues to report inaccurate information reflecting my name in variations and refuses to make corrections. You will find attached a copy of the most recent report circling the incorrect name. All incorrect names should be removed as these names are none reportable as per FCRA nor deliverable to me by the US Postal office. Delete incorrect names or any variation of none reportable names from reports immediately.