23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

According to 12 CFR 1024.41 f -- -- We allegedly missed one payment in 11 years- Nationstar can not locate the check. 
Nationstar has foreclosed our mortgage for alleged non-payment of escrow. 
We have an escrow waiver and the mortgage allows us to repay the lender in the event we miss any payment. 
We have always paid our own taxes and insurance. 
There is no escrow in our periodic payment. 
Nationstar has allegedly opened a forced escrow account saying they paid {$140.00}. for us ; We immediately reimbursed Nationstar the {$140.00} as per the terms of our mortgage contract. 
Nationstar has NEVER paid anything on our behalf. 
They will not abide by the terms of the mortgage and refuse to admit they are wrong under the law. 
The CPFB rules do not permit a servicer to foreclose under any circumstances unless there is a default of payment of money for more than 120 days Nationstar has hired counsel who refuses to do discovery so we do n't know the basis for the foreclosure. 
Nationstar has returned 18 periodic payment checks to us thereby causing a manufactured default. 
I want Nationstar to state the law which allows them to take these actions
Product: Credit reporting

1. at this time. home depot is paid in full. it was a washer. I closed the card because of the unprofessionalism of their customer service. therefore I did not want to do any business with them. 
2. Att. uverse. I sent them their receiver back and that has shown up. They are charging me for something that I am not using. 
3. I have no idea what XXXX or XXXX is. 
Thank you
Product: Credit card

On XX/XX/year> I received an email notifying me that I had an application to open a Citi Bank Double Cash Card. On the same day, I received an email notifying me that I had an application to open an XXXX  XXXX XXXX XXXX XXXX. I did not attempt to open either of these cards. 

I have contacted both of these companies and notified them to not open, or shut down these accounts someone was trying to open in my name without my authorization. 

Due to this identify theft attempt, I now have a Hard Inquiry on my Credit Report through XXXX with Citi Cards/Citibank . 

I would like to dispute this hard inquiry as this was clearly not me and was part of an identity theft attempt.
Product: Credit reporting or other personal consumer reports

I used to reside at XXXX  at XXXX XXXX XXXX former name is XXXX XXXX  XXXX XXXX. They actually lost my money order along with XXXX other tenants money order XXXX month. I was also behind on my rent and I paid it all up. Over {$6700.00} was paid and brought current. I took the management to court and the agreement through the court was thrown out. It was expunged. The collection company is XXXX XXXX. They are claiming that I owe them {$2500.00}. I sent them proof of the expungement as well. The expungment was awarded on XX/XX/year>. The judgement has been removed but the collection is still there. 

Please assist me with getting XXXX to remove this collection. I do not owe them anything. I can't purchase my home with this on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. It is not permissible to fail to validate these reporting accounts as unverified information without providing proof. 

My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$60.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$5100.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4000.00} XXXX XXXXXXXX Balance Owed : {$76.00} XXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

On XX/XX/2023, I tried to make a XXXX payment at noon. It failed, and I tried the robotic symbol. I didn't think much of it. XXXX hours later, I received a call from a number claiming to be US bank. They started asking questions about the XXXX payment to which I explained that I was sending money to a friend that I borrowed money from. They said that the email was linked to a scammer. They started saying I was involved in fraud, piracy, etc. I called customer service at XXXX pm. I was talking to a woman who looked up my account, and she told me that it seemed like an impersonation of US bank. She told me to try to XXXX the payment again, so I did. Around XXXX pm, another number called which happened to be the same group that initially called me. I merged the call so the US bank representative could hear what was being said to me. The US bank representative introduced herself and asked for the other persons credentials, and the other person refused. After the call, I was notified that my bank account was terminated because I was a victim of a scam. Yesterday at XXXX pm, another representative tried to help me. I was told that nobody was telling her anything about my situation. She told me that it had nothing to do with the XXXX XXXX. I am a XXXX veteran. I live off of XXXX dollars a month which is XXXX pay. My account was closed with {$1300.00} still in the account. I am worried about how I am going to pay my bills. It's not easy to change my accounts because I have to contact the XXXX, XXXX XXXX, and several other agencies in order to do so. I'm worried about where my next check is going to go. I'm afraid to end up on the streets. This bank advertises equality on their commercials. However, when it comes to military veterans, where is the equality? thein I talked to XXXX named XXXX and he said I don't care who you talk to, I don't care how or employees treated you cause your accounted is getting closed and ur not part of us bank then I tried talking to XXXX XXXX about this and they said we don't deal complaints or how our employees act. 
then I received a letter in mail saying I requested on XX/XX/XXXX a extension on a dispute. so I had my case XXXX call me and the first thing is sked was did we ever talk about a extension and he said no. then I asked is there any note of it on mya account he said no and then I said I'm holding a letter saying I requested and if I don't send this in the dispute will fail. he said I'm tracking no letter at all. then is sked what do u need from me he said just dates and I told I will send that to him later he said just call back. now when I called back a lady in fraud was fighting me asking what re the dates for, why, I don't understand I literally had to tell her several ; times to give the date to my case XXXX and she said took the dates down so this letter I received is falsifying documents and is illegal ontop of that all there phone calls are recorded
Product: Student loan

Hello, I applied for a student loan refinance through SoFi on XX/XX/2019. I was denied but the concern lies with the language used in their rejection statement and support from their chat support. 

SoFi Auto Response : " We encourage you to apply again if your situation changes at a later date. Examples include getting a promotion, starting a new job, graduating from school, paying down other debt, relocating to a new area, or earning a new degree. '' They didn't clarify " my situation '' so there's no view into what would need to change, but they actually state " relocating to a new area '' which is redlining. Is that still legal? 

I used the SoFi chat function to ask for a 2nd look at my situation. The rep, XXXX ( that's not a typo, that's the name ), said that I could call them up but the response would be the same. I explained that on paper my situation doesn't look great, but would like to know if they do 2nd looks. 

XXXX said they have minimum eligibility criteria and if I don't meet them then they can not allow me to proceed. The claim was this is a fair lending practice since they can not treat clients differently.

SoFi directly communicate they do not practice fair lending. If SoFi really did want to be fair to customers they would do a 2nd look to see if their algorithm missed an opportunity to lend to someone. I work for a bank and we all know the system doesn't always see the whole picture. 

The other issue in their response is " earning a new degree ''. If I'm already in debt from an XXXX degree and I'm declined for a refinance, how would additional debt for a 2nd degree put me in a better financial situation? This is an irresponsible response to potential customers.

SoFi should be clear as to why customers are rejected, and SoFi should be investigated for redlining.
Product: Credit reporting or other personal consumer reports

Please remove hard inquiries and fraudulent accounts from my credit profile from XXXX, XXXX XXXX and Equifax Immediately. 

XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 US Mail # DEMAND LETTER To whom it may concern I [ XXXX XXXX XXXX ] a natural person , consumer and original creditor pursuant to 15 USC 1692a demand you to remove all late payment ( s ) from Account [ XXXX ]. Be advise pursuant to 15 USC 1666b ( a ) ( b ). A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Also pursuant to 15 USC 1602 ( i ) ( m ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. 


I am notifying you in writing that I would like these late payment ( s ) removed immediately. I am also demanding that you refrain from ever reporting another late payment ( s ) future wise. I hope that you comply and that this issue will be resolved and handled here amicably. 

In accordance with the fair credit reporting act XXXX  XXXX XXXX account # XXXX  has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

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





Kind regards, XXXX XXXX XXXX Cc : CFPB Cc : FTC Cc : ATTORNEY GENERAL
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # ( XXXX ) ( XXXX ) ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) reference # ( 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

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 XXXX XXXX XXXX. 
XXXX Accounts below Derogatory Information 1 Account XXXX Date Reported XX/XX/XXXX Creditor Name XXXX Derogatory Information 2 Account XXXX Date Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Derogatory Information XXXX  Account XXXX Date Reported XX/XX/XXXX Creditor Name XXXX 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 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 card or prepaid card

American Express put a hold on my Gold Delta Skymiles account with a credit line of a whopping {$1000.00}, without any notification. The reason given was that I had used the card with XXXX, which is prohibited. 

I put that in quotes because I had never HEARD of such a policy. I have multiple other cards that Ive enjoyed using with XXXX for my entire life, but apparently Amex does not allow this. News to me. 

So I call to see whats going on, and was given that answer, to which I was flabbergasted. They then went on to demand a conference call with my checking account bank ( XXXX ), to inquire as to the balances of my acccount at the start and end of the last 3 statements. 

As you might know, my balance at the time of the start or end of a statement has ABSOLUTELY NO bearing on my general financial health or responsibilities. Its a completely arbitrary time choice. 

Nevertheless, they humiliated me through this process, having my balances read to them over the phone. 

They then submitted my card to further review to see if the limit needed to be adjusted. When I inquired how I was to know when a decision has been made, they said I could just call back. Not even the courtesy of letting their customers know the outcome. 

I have paid my Amex bill on time and in full at every billing period, and they should have no right to inspect my checking account because of a completely honest mistake of using the card with XXXX. ( Who knows this!?! ) In particular - the woman who handled this miserable process - her name was XXXX. That was all the info she would give me. I wished to report her personally as she was the rudest, most unhelpful employee of a business that essentially is there to serve ME ( and the rest of their customers ). She humiliated me and talked to me like a child.

It was either submit myself to this awful process or have my card closed, which would cause damage to my credit score. Thats extortion. 

Shame on you American Express.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXXXXXX Balance Owed : {$610.00}
Product: Debt collection

Capio Partners XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Sent a lettering XXXX to collect a debt owed to XXXX XXXX - XXXX XXXX For service on XXXX For an amount of {$1900.00} with an offer to save me 50 % if I paid before XXXX as well as an address to pay online. 

This debt has been paid for over 2 years.
Product: Debt collection

I signed up for a XXXX XXXX plan and became unsatisfied with the service so I tried to quit. I talked to a rep due to a XXXX  complaint I filed. The rep stated I owed on services performed to the tune of {$700.00} or so before I could leave. I allowed the payments to be automatically drawn from my bank account until all the services were paid for according to the invoice. I didn't use any other services after that but continued to be billed for the wellness plan. I contacted XXXX and was told it would be taken care of. Later I received an email from a collection agency saying I owe for the remaining payments for the full year even though I stopped using the services and paid for the services I used.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was not a fair and accurate investigation. My rights were violated. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX was not deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

XXXX reported my paid off loan to Experian. My credit limit was increased and other loans were made and paid in full and on time. Because XXXX showed my first loan was paid and NO NEW loans were reported, my credit score was lowered instead of increased by the repayment of more loans.. This is damaging and has prevented my establishing new lines of credit due to a lower than actual score if all " Eligible '' loans were reported. 

In 2 years I had multiple loans and payments, all paid on time or early in full without a single late payment. 

They claim that not all loans are eligible for reporting and that is not in dispute. What is in dispute is that the loans not reported are identical contracts language wise as the previously reported loan, but were of different contractual amounts and term length which were 12 months instead of 6. 

The problem is the conflict of interest. With failure to report my perfect credit history with XXXX, it has severely limited my ability to seek other credit lines and reduced my ability to increase my credit score leaving me with only XXXX as as " XXXX XXXX XXXX '' Their policy in this matter is a racket to maintain a monopoly of sorts by preventing me from seeking other and better options. 

This has damaged me as the failure to report has lowered my score instead of increasing it. The ability to rent, purchase, or get credit without security deposit and extreme interest rates has been suppressed. 

XXXX  actually offered and I accepted a credit card to be used at any location. But I have to " Prearrange '' the transaction and amount before purchase. I have been turned down for other lines of credit that I would have qualified for if my paid off and current loans had been properly reported.
Product: Credit card or prepaid card

I have applied for a credit card and also as an authorized user on my wife 's American Express credit cards for which she would be the primary and been denied multiple times for both options. My wife 's various AMEX cards from XX/XX/17 to the present have given them probably over {$80000.00} in business. They are saying that it is because an AMEX account was included in my bankruptcy. I feel that they are illegally blacklisting me. I have contacted their executive offices and explained the situation of my bankruptcy but they refuse to approve either my own card or even being an authorized user on my wife 's card. My bankruptcy is over seven years old. I currently have extremely good credit and by all standards should easily be approved for the card. The bankruptcy which is over seven years old is the only derogatory mark on my entire credit record and I have multiple credit accounts that have never had a problem since my bankruptcy. I have been on Social Security XXXX for many years and our combined income is currently about $ XXXX/yr. My bankruptcy was caused primarily due to medical reasons and my house in Nevada was under water at the time. To prevent the loss of my house it was necessary to declare bankruptcy. I was probably one of the first recipients of a government HAMP mortgage which ended up saving our home. I have never even missed a mortgage payment. Student loans were included in the bankruptcy and the federal bankruptcy judge after presenting my case over a year and a half of submitting proof of my XXXX ruled that I was considered Totally and Permanently XXXX under the XXXX and the student loans were discharged. I have also been ruled as XXXX by a NJ Workers Comp judge in court after being examined by their doctor and the US Department of Education. I consider that they are in violation of the Americans with XXXX XXXX by discriminating against a XXXX person who was forced to declare bankruptcy because of his XXXX. I am considering also filing a complaint with the Department of Justice for violation of the XXXX. I am also an authorized user on my daughters XXXX card for many years which also brings into question why am I allowed on her card and not my wife 's or get my own card. Seems to enhance my discriminatory indiscriminate blacklisting allegation.
Product: Credit reporting, credit repair services, or other personal consumer reports

See new attachments. Two XXXX XXXX credit cards ending in XXXX & XXXX were stolen at same time, used, and then fraudulent payments were made to continue using and exceeding the credit limit. See attached Sheriffs report. The cards were not being used and stolen out of my office and it was understandably that it took a while before I was aware. XXXX XXXX  is not prepared to handle multiple successive fraudulent payments like a bank putting a hold on deposits. XXXX XXXX closed my accounts on same day, then charged off at same time, and then did a fraud investigation months later. On XX/XX/XXXX, XXXX XXXX was pleased to inform me that the dispute for card ending in XXXX, was found in my favor and XXXX XXXX credited {$3100.00}. On XX/XX/XXXX XXXX on card ending in XXXX, XXXX XXXX found no signs of fraud. On XX/XX/XXXX, XXXX XXXX agreed there was incorrect information on credit report for the same card and they asked the credit bureaus to remove the account from my credit report. 4 days later on XX/XX/XXXX, XXXX XXXX said they found no signs of fraud on the same card ending in XXXX.???????? This is ridiculous! Both cards were listed on sheriffs report and canceled at same time by XXXX XXXX. XXXX  XXXX is very unorganized and holding consumers responsible before they hold themselves responsible. I thought I was bad with 32 '' flood waters, XXXX, and theft, forgery, fraud, but XXXX XXXX is worse. Both cards were stolen at same time and both cards need to be removed from my credit report. I am attaching AGAIN the letters referenced above plus the XXXX Sheriffs report, the fraud affidavit, information on XXXX XXXX XXXX who was listed on Sheriffs report. AT THE LEAST, investigations should have been performed much earlier allowing me to keep cards instead of having a lump sum due that I can not afford. I called today because after almost 4 years I was very frustrated. I wanted to know if the was a manageable amount that I could afford and pay. It was an amount that I could not afford living on XXXX XXXX. I was informed that the settlement amount is automatically generated by a computer that hasnt any guilt of wrongdoing or any feelings or emotions. How sad. I am XXXX and had XXXX treatments from XXXX XXXX. I had 32 of water during Hurricane Harvey a month after filing the sheriffs report and I am still not settled. I should still have the cards with 700s credit and faithfully making payments.