23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have paid this account in full. I made arrangements with the creditor to settle my debt completely. However, it is reported with several missing payments.
Product: Mortgage

Dear XXXX : I had applied for a conventional loan in XX/XX/2019 with XXXX XXXX, which then merged with CrossCountry Mortgage out of XXXX, Ohio. My loan origination was subsequently transferred to XXXX XXXX XXXX, XXXX. After providing all required documentation or the loan, my loan was conditionally approved. 

About 2 weeks prior to closing, I was asked to provide additional documents on my marital separation agreement. Based on obligations discovered in the separation agreement, XXXX XXXX sent a few emails saying that the loan may not be able to work, but kept refusing to give me a straight answer on whether the loan was denied or not. I sent additional income statements such as 5 year annuity payments, but his underwriters did not know or would not consider them. XXXX XXXX would also not call me as I requested but would sent infrequent short emails as he saw fit. With just days before closing, he asked me to work with other lender if possible, and to revert back to him if I needed to. 

With couple of days before closing, I made the difficult decision to stop the process. I put my paid escrow money of {$3000.00} in jeopardy, which I still have not been able to recover. I asked XXXX XXXX for a denial of loan document which he finally was able to provide. I repeatedly asked XXXX XXXX for a venue/person/website to complain, which he totally ignored, and did not refer me to anybody. 

I am not disputing the decision to not XXXX me loan, but I'm extremely disappointed with the way XXXX XXXX was trained to handle this situation as time was running out. He could have handled this situation better with a professional phone call taking five minutes of his time, or referred me to someone else within his company, or a place where to complain. His employment company would be well advised to retrain him in basic customer relations, communication skills, and let him know how to offer redress options to his clients. 

Thank you,
Product: Mortgage

On XXXX/XXXX/XXXX I received an XXXX dispute update indicating Foreclosure proceedings started on XXXX XXXX. 

Nationstar has started foreclosure proceedings without any noticeto me. 

Nationstar 's predecessor, XXXX XXXX XXXX transferred loan number XXXX that had a XXXX balance. Nationstar 's predecessor 's agent sold the property associated with the loan number XXXX in a foreclosure sale on XXXX XXXX, XXXX. 

I have been in litigation with XXXX XXXX XXXX, Nationstar 's predecessor since XXXX XXXX, XXXX. This lawsuit is currently pending in the XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX v. Bank XXXX New York XXXX and others. 

Nationstar was transferred a zero balance loan and now they are claiming I am {$110000.00} past due according to the XXXX XXXX, XXXX credit report date. 

I have never executed any loan agreements after the foreclosure sale to reinstate the loan XXXX. Notwithstanding, reinstatement or any other loan agreement would fall under the Texas Statute of Frauds. The Statute of Frauds bars any collection of debt by Nationstar if it 's not in writing. 

Nationstar claims I am $ XXXX delinquent, which is equivalent to about 61 months. The foreclosure sale took place on XXXX XXXX, XXXX, 47 months ago. Ironically, this is the number of months Nationstar showed the account delinquent when is was transferred on XXXX XXXX, XXXX. 

Nationstar ca n't provide any explanation for the 47 month delinquency when they were transferred the loan from their predecessor. Their predecessor, XXXX, never sought to collect any payments after the foreclosure sale on XXXX XXXX, XXXX. In other words, between XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX never sought to collect any payments on loan XXXX. My credit report showed the last account activity from XXXX XXXX XXXX referencing loan number XXXX was in XXXX XXXX. 


Nationstar was transferred this loan on XXXX/XXXX/XXXX, almost eighteen months ago. I need them to validate the debt. 

1. What loan agreement or legal document ( s ) was executed to reinstate the loan XXXX after the foreclosure sale? 
2. What date was the loan XXXX reinstated after the foreclosure sale? 
3. Who are the parties that reinstated the loan XXXX? 
4. What actions reinstated the loan XXXX? 
5. Was Nationstar a party to any reinstatement or loan agreement after XXXX XXXX, XXXX? 














.
Product: Debt collection

I am a victim of identity theft. Experian and XXXX credit company are reporting these collections to my account that I have no knowledge of, which is not under FCRA compliance This is inaccurate reporting and needs to be removed immediately as these debts do not belong to me fyi.
Product: Mortgage

I started the loan process with Movement Mortgage in XX/XX/XXXX. I finally signed a contract on a home in XX/XX/XXXX. This home was new construction and still being built. In XX/XX/XXXX I contacted XXXX XXXX, branch manager whom I'd been dealing with during this process and voiced my concerns that the interest rate was rising ( now at over 3 % ) and I did not want to be priced out. XXXX advised me that he would monitor the rate and that they have meetings every Monday mornings to discuss the trends of the interest rate. Fast forward to XX/XX/XXXX, I contact XXXX again expressing that I didn't want to be priced out because at that time the rate was inching to 3.75 %. We discuss the cost of locking the rate and XXXX states since I stayed with Movement Mortgage opposed to using the builders lender, who by the way was offering closing cost assistance, they ( Movement Mortgage ) would cover the cost of the extension. Finally on XX/XX/XXXX I receive paper work to lock the rate for four months at 3.75 % which would have carried me through XX/XX/XXXX. At this time I haven't done my research to know that the first two months of locked rate there is no charge. After many delays the date of delivery was not meet by the builder, which caused the 1st extension which cost me {$710.00} and was for 2 weeks based on a XX/XX/XXXX delivery which was given to me by the builders. That date passed as well which caused an additional extension for another 2 weeks it's costing me an additional {$710.00}. During this time I'm constantly receiving updated paperwork from Movement mortgage and I noticed on one of the documents that something had changed there was now an 0.375 % of the loan amount ( points ) totaling {$1000.00} on the loan documents which wasn't there initially. When I asked XXXX to explain what the points were because I didn't buy down points to get the 3.75 % rate, that was the rate I locked in with, he tells me points can be different things. I asked for a detailed breakdown of all the fees associated with the locked rate, however when he sent this so called breakdown, he failed to include what the points were. I can provide the email he sent. Up until the day before I closed I asked for an explanation of the points but at this time XXXX began to treat me as if he was doing me a favor and in his words and I quote " she should by grateful for the deal she's getting ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a hard inquiry on my credit report by Capital one ( XXXX XXXX XXXX ) applied for loan without my consent cause is lowering my credit score On XX/XX/2022 I received a hard inquiry on my credit report by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Applied for a loan without my permission is lowered my credit score. 

Before someone wrote to my job asked for payment direct deposit through XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled my Transunion report and noticed an incorrect account that had previously been disputed and transunion refused to delete from my account and did not properly investigate my dispute. I sent transunion a certified mail copy on XX/XX/2019 XX/XX/2019 I also reached out to XXXX XXXX on XX/XX/2019 and on XX/XX/2019. Their response was they could not resolve the dispute because they could not find enough information on their end. They still refused to delete this and it remains on my report hurting my chances to obtain a home. 
Please see Proof attached. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

All of those accponts are not belong to me. am requesting to remove as soon as possible.In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as  resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
Product: Bank account or service

Dear Sir/Madam : I 'm a XXXX Military XXXX with XXXX ( XXXX ) after XXXX years of military XXXX. As recommended by the treatment team, I bought a massage chair in XX/XX/2014 via GE Capital Retail Bank with 0 % interest. My wife, XXXX always made monthly payment on time through XXXX. We were never informed that the GE Capital Retail Bank transferred our account to Synchrony Bank with 29.9 % interest rate in XX/XX/2014. We tried to contact the Customer Service of Synchrony Bank many times ; however, it seemed that they are not willing to resolve the problem. We would like to report this issue to you in the hope that you can help protect the consumer by investigating the dishonest way Synchrony bank is dealing with their customer. If we were informed that our account were transferred to Synchrony Bank with 29.9 % interest rate in XX/XX/2014, we could make a full payment for this transaction. All payment records can be submitted to you per your request. Your consideration and support are greatly appreciated.
Product: Credit card or prepaid card

I purchased 2 units of laptop from XXXX XXXX on XX/XX/XXXX. Total amount {$1700.00}. Items were supposed to be delivered on XX/XX/XXXX but not delivered to my address. Delivery confirmation photo showed no merchandise at all. I raised a dispute to Citi on XX/XX/XXXX. Citi investigated and received delivery status documentation from Best Buy, which Citi shared with me in a mail delivered to me on XX/XX/XXXX. The delivery status documentation included the delivery confirmation photo that showed no merchandise at all. This delivery was done by Best Buy 's in-house delivery team, not XXXX, XXXX or USPS. There was no geographical location trace data but just a final delivery status. Nevertheless, in a call on XX/XX/XXXX with Citi, Citi 's representative confirmed that Citi made decision only based on the delivery status and ignored other information which may or may not contradict with the status. The representative claimed that the decision was final. In this case, the status was " delivered '' while the confirmation photo belied the status and there was no geographical trace data, Citi still chose to side with merchant. I am very disappointed by Citi 's decision making process based on one-dimensional information. This puts consumers in a significantly disadvantaged position and abets predatory merchants to take advantage of unwitting consumers by labelling undelivered or misdelivered merchandise as " delivered ''.
Product: Debt collection

They sent copies of credit card statements with 3 digit numbers, no copy of the contract I told them that the account did not belong to me.

They filed court paper work, I went to court and the case was rescheduled, I went to court a second time and the sheriff said all cases had been rescheduled till further notice. I was out of town when the sheriff tried to serve me again, but he left his business card in my storm door. When I returned from vacation I called the sheriff to inquire and was told I would be served again.

I was out of town again, and while out of town I received a e mail from the clerk of court stating that my court date was the next morning at XXXX XXXX. 
I called the clerks office to inform them I was out of town and I asked for a continuance, no one answered so I left a message, and I sent a e mail to the clerk of court, no one responded I let them know when I would be returning home. When I returned home I contacted the clerk of court 's office to see what was going on but the clerk never contacted me. 
On XX/XX/2024 I received a letter in the mail which was a judgement. I informed the court and collection agency also that statue of limitation had run out according to Louisiana law as well as Delaware law where Unifund CCR , LLC is registered. My complaint is the debt is not mine and the statue of limations has run out by 6 years according to law.
Product: Credit card or prepaid card

On three separate occasions I have been given a VanillaGift giftcard. It advertises that it acts like a general purpose, but non-reloadable debit card. On all three occasions, the gift card balance had been removed shortly after my family member had purchased the card, but before I had received it, the balance was drained. Customer service is difficult to contact and set the expectation that I would not receive any money back, though they did initiate a 90 day dispute process. 

This pattern leads of drained balances leads me to believe the company may be either pocketing the money itself, or designing their product so poorly that it nearly guarantees theft. 

The three amounts stolen were XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to report that on my XXXX credit report appeared a company AFFIRM INC based in XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX CA showing a revolving credit that did NOT apply for. More over I have noticed 3 hard inquiries from XXXX XXXX ; XXXX XXXX XXXX XXXX and XXXX XXXX XXXX., XXXX XXXX that I did NOT place. I have contacted AFFIRM and they said they do not see such loan under my name, I have attempted to contact the other 3 companies about the hard inquiries unsuccessfully. I have also reported the issue to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted my current mortgage company, Flagstar Bank, in late XXXX to inquire about their forbearance plan and whether or not I qualified due to the COVID-19 Hardship. They confirmed that I did, and sent me a letter confirming this information stating that my payment would be deferred for a period of 6 months ( XXXX - XXXX, 2020 ). I was told and assured that there would be no negative impact to my credit report during this period and that there would be no late payments reported during the forbearance period. I received information earlier this week that Flagstar Bank indeed reported me late for my XXXX mortgage payment. I contacted them and they confirmed that this wasn't supposed to happen but that I had to dispute this, even thought they admitted that this should not have been reported. This is unacceptable that a company would go back on what they claimed as part of the forbearance plan.
Product: Bank account or service

Wells Fargo closed our accounts with no notice, for business reasons, no other explanation was given, per " the terms on our account agreement '', they then locked the accounts and would n't let us withdraw any money for a week. In 26 years we never bounced a check. We still have not received a written notice. Their actions put us at financial risk as it was toward the end of the month, and we had bills to pay. I would like for them to produce my original agreement they said allows them to do that. This was a very abusuve action by Wells Fargo.
Product: Credit reporting

I have been attempting to get my credit report reviewed but I 've been unsuccessful. I was a victim of identity theft and I 've sent all XXXX credit bureaus my police report. I 've had multiple items removed and reinserted and when I try to dispute ... .in return I get a letter stating that they have previously disputed this matter and the previous status remains the same. I have yet to receive any verification in regards to these debts and I have sent multiple 609 letters with no success. The accounts are to verify that these XXXX companies are reporting correctly XXXX, and late pays with XXXX. With XXXX I had insurance and advised that the insurance paid the balance but then was later informed that they only paid a portion. I was in the military and was XXXX so I was forced to get out of the military which caused me to be unemployed and unable to pay my bills. This is why I utilized the insurance with these XXXX companies which I was later informed that I still had a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank has lowered my credit limit for some untrue information they claim they received about my credit history. 
I am attaching a document from the Mortgage company that Synchrony bank claimed I have a Delinquent and Derogatory account with.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX-inquiry without approval or knowledge XXXX-XX/XX/XXXX-XX/XX/XXXX- inquiry without approval or knowledge XXXX-XX/XX/XXXX-inquiry without approval or knowledge XXXX XXXX-XX/XX/XXXX-inquiry without approval or my knowledge XXXX-XX/XX/XXXX-XX/XX/XXXX-inquiry without approval or my knowledge XXXX XXXX XXXX-inquiry XX/XX/XXXX inquiry without my approval or my knowledge XXXX XXXX -XX/XX/XXXX-XX/XX/XXXX-inquiry without my approval or knowledge XXXX XXXX-XX/XX/XXXX-XX/XX/XXXX-inquiry without my approval or my knowledge XXXX-XX/XX/XXXX=inquiry without my approval or my knowledge XXXX ca-XX/XX/XXXX-inquiry without my approval or my knowedge XXXX XXXX XX/XX/XXXX-XX/XX/XXXX inquiry with out my approval or my knowledge XXXX XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX inquiry without my approval or my knowledge
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 15 USC 1681. 

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  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: Mortgage

One XX/XX/XXXX I divorced my wife and left her the house in the divorce. To this date she has yet to make an on time payment on the house. My name is still on the mortgage and she has been damaging my credit. In XX/XX/XXXX a loan modification was done without my consent. The modification did not remove me from the loan or relieve me of responsibility in anyway, yet it extended tge term of the loan, again, without my consent. I have requested documentation on this from Midland Mortgage Company several times and have yet to receive it. I fail to see how a bank can legally do anything to a mortgage with my name on it without my signature.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer-provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed item despite the evidence, I provided causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend the disputed accounts as Experian 's inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

I contacted the XXXX XXXX to report a fraud and that happened on the XXXX and my account was suspended, and yet I didnt unlock my account but there is ultimate fraud happened after that date. Second issue was with cash app and I reported the scam but thy wont provide me with any details regarding those transactions along with my XXXX wallet that was hacked and yet they didnt give me any information about to whom my funds were transferred. Later I reported with my bank region account and they denied my dispute with no explanation or chance to give me any details based on what evidence thy all denied my claim when I did attached all the documents regarding fraud that my money went to XXXX and I have no business there
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a phone call from a legal advisor to the CEO of XXXX, in reference to my complaint to the CFPB about XXXX reporting of late payments ( 120,30 days on file ). I wanted to start this letter by mentioning XXXX is centered itself by the pride of taking care of its MILITARY! Its bases is its militatry members, it is its grass roots of its banking. Now with that said I have been a member with XXXX over 30 years, 19 of those years I served my country and six of years where combat tours, and 2019 I was % XXXX XXXX both from XXXX XXXX XXXX XXXX. I tried after multiple venues to explain this XXXX and as other worked with me. The phone call I received from XXXX was the most humiliating phone call to date on a recorded line. Not only due I suffer emotional issues from this but being humilatied by a professional banking system for a costumer request?
Product: Debt collection

This is a XXXX XXXX cell contract I signed as a XXXX for XXXX XXXX XXXX XXXX XXXX when out of business The debt was with a different collection agency XXXX XXXX XXXX I file a Consumer finanse Complaint and it was removed Now it shows up with a different Collection agency Southwest Credit System When does it end