23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My issue with Nationstar pertains to a 30 day late payment incurred on my mortgage for a missed payment for XXXX 2014. The late was caused by me being defrauded by a man named XXXX XXXX, posing as a licensed mortgage professional to refinance my home, who ended up stealing over {$4000.00} from me. He insisted that I not make my XXXX 2014 payment to Nationstar as the new loan at a 2.99 % 30 year fixed rate was going to close and funds would be on their way ( See attachment ). When Nationstar called me, I let him know that I was going to make the payment ; he insisted that he had later spoken to Nationstar and all had been resolved and a check was on its way to them. Finally when nationstar called me and told me no check was received I quickly made the payment. At that time I became suspicious and started to investigate the matter to find that there was no such refi loan in process I then discovered the individual was a convicted felon who had a history of defrauding people and had his Real Estate license revoked and had a cease and desist order against him from the Dept of Real Estate ( See Exhibit B ) He defrauded me by getting all my bank information and in addition to charging me for loan fees for this non-existent loan, he ended up using my bank account funds fraudulently and ran {$4300.00} worth of fraudulent charges. 

The XXXX XXXX County Deputy District Attorney 's office has also confirmed that XXXX XXXX XXXX has defrauded another XXXX people, for which they DA 's office is taking legal action against him ( see attachment ). As the DA 's office also suggested I also filed a law suit against XXXX XXXX, and got a court ruling against him ( see attachment ) The XXXX XXXX County District Attorney Special Investigations Operations Dept also took legal action against XXXX XXXX XXXX and arrested him. 

I also forwarded Nationstar my XXXX XXXX bank statements which showed that I had over {$35000.00} in my account at the time, which were more than sufficient funds to make the mortgage payment The late payment incurred on my Nationstar loan due to this issue was due to the fact that I was misled and defrauded. Earlier this year I brought this issue with Nationstar to remove the late payment and even sought the help of the CPFB. Nationstar however refused to remove the late payment and in turn to hurt my credit even more than legally permissible put a fresh new late payment on my credit report for XXXX 2014, whereas before this issue was brought up they were only reporting a XXXX 2014 late payment.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX  XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX. This has cause me great anxiety, stress, and financial hardship. 

I also am disputing XXXX collections account that I have no services with that is reporting inaccurately on my credit report. 

XXXX XXXX # XXXX XXXX XXXX # XXXX Please all accounts from my credit report.
Product: Student loan

I sent in a payment on my student loan on XX/XX/2020. The loan is due on the 1st of each month, with a 14 day window before it is deemed late. The check should have got there for XX/XX/XXXXpayment. They did not cash my check to make my loan late. I got it down real low. Why they did not cash my check in time for the pay. They have began to take more fees for late payment and attach another rate on to the loan. I have double to triple the payment, to no avail.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I received a Venmo text alert at XXXX XXXX notifying me of a Venmo request amount of {$2700.00} from an unknown user " XXXX XXXX XXXX with the caption " Mystery but it's real. '' I then received another request amount of {$1800.00} at XXXX XXXX  from the same unknown user with the caption " Privilege to encounter you. '' Confused, i attempted to open the Venmo app but discovered i had been logged out. I contacted friends of mine to see if they could locate my account, but they could not, suggesting my account had been deleted immediately following these inbound requests. I called Venmo support who was able to verify my identity, restore my account, freeze my account, and identify that the {$2700.00} transaction had been sent to the unknown user ( but the {$1800.00} had not ). The payment was funded from my linked XXXX XXXX account. I then submitted a dispute for the {$2700.00} transaction to Venmo, which is currently ongoing and could take up to 10 business days. I then logged into my XXXX XXXX account and the transaction was in " pending '' status for the same {$2700.00} amount, debited from my checking account. I have submitted a claim to XXXX as well regarding this unauthorized transaction and await results. However, the amount has already been removed from my bank account. I am submitting this report here to have a written record of what occurred.
Product: Debt collection

They posted a collection on my transition account for {$360.00} without providing a validation letter. I know they need to provide one within 5 days. They havent done that. Its not my debt. I believe Im a victim of identity fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681b - ( a ) ( 1 ) ( 2 ) Permissible purposes of consumer reports, I did not give consent or written instructions for Barclays Bank Delaware to be reporting a transaction on my credit report Under the IRS code, all debt that are written off must issue a 1099 to me but Barclays Bank Delaware did not send me a 1099 even though they said they wrote the debt off as bad debt.

Under the UCC, I made full payment and did not receive my instrument that I sent as payment back from Barclays Bank Delaware
Product: Credit card or prepaid card

Citi bank is not processing my credit card payments in a timely manner. After 3 months of refusal to process my payments I have discontinued sending them. After closing my account as an act of retaliation and revenge, Citi bank refuses to work with me, refuses to provide me with customer support, refuses to accept and process my payments, all in retaliation to complaints filed. 

I sent Citi a check for {$330.00} in XXXX 2019 along with my last complaint to Citi and the XXXX. In XXXX I opted in to reduced payments at approximately {$60.00} per month due to covid19 relief, however Citi has not granted me the same covid reief as everyone else and continues to charge me full payments despite granting me covid relief. 

Citi refuses to provide me with customer support and refuses to accept my phone calls when I attempt to reach out to Citi. Since Citi does not want their employees talking to me, and since Citi does not want me communicating with them via telephone, Citi needs to mail me their response and correspondence. 

Citi has not responded to my complaints, has not cashed my check or processed my payment, has not granted me the covid relief and reduced payments promised to all customers, and is now stating I owe {$1000.00} dollars as of today.
Product: Mortgage

I ( XXXX XXXX XXXX ) have not missed a mortgage payment within the past seven years. I am not having difficulities paying my monthly mortgage obligation. However, the problem I am having is with Bank of America blocking my accessibility to open and view my mortgage account as of XX/XX/XXXX. I had enrolled in a electronic Pay Plan 24 with Bank of America on XX/XX/XXXX. I have not changed my checking account. I have not requested for this form of payment to stop. Bank of America has not given written contact stating that they were not processing my mortgage payment via Pay Plan 24 or that they deactived that option. On XX/XX/XXXX, I checked my account and noticed my payment was not taken out of my account. Once again, I was not given any notification regarding any changes or an explanation as to why I do not and can not access my mortgage account. 
Bank Of America has removed my ex-husband XXXX XXXX from the loan without my prior knowledge. The paperwork list and or refer to him as a " Seller '' this is false. XXXX XXXX was court ordered to deed his interest of the home to me in XX/XX/XXXX. This is knowledge to Bank of America so I am unclear as to why they have dediced to list him as a " Seller '' and has removed his name from the loan. I have been paying the mortgage since being approved for the home modification. XXXX XXXX was discharged through Chapter XXXX bankruptcy in XXXX.Bank of America is also aware and knowledgable of this and has all the supporting documentation. I was told at the time of the modification that his name could not be removed from the home loan. Now, XXXX Bank of America is removing his name. Is this proper protocol? I need Bank of America to stop blocking me access to view and open my mortgage account. I also, need for Bank of America to accept my mortgage payment that was due on XX/XX/XXXX. Since Bank of America deactivated my Pay Plan 24, I called in Friday, XX/XX/XXXX and my payment was processed over the phone. The representative reactivated my Pay Plan 24, I do not wish this to be deactivated.
Product: Student loan

As an XXXX  I am trying to get my loans forgiven, as well as trying to buy a house for me and my XXXX kids. I have been trying to get things in order with Navient for almost a year now. Every time my financial advisor ( who has third party authorization and full access to all of my accounts ) calls, Navient says that they do not have authorization. I have had to call on multiple occasions and tell Navient to check their files/ notes to see that they do have authorization. On XX/XX/XXXX I had made it very clear verbally that XXXX XXXX ( financial advisor ) has PERMANENT authorization.

Now, to the constant incorrect information that I myself and my financial advisor keeps getting ... On XX/XX/XXXX I spoke on the phone to first XXXX then XXXX, then XXXX, then XXXX was finally able to give me some information on two loans in particular. I got a letter from XXXX XXXX ( collection agency ) saying that they aquired two of my loans from Navient. Loan # 10 originally being {$9000.00} and loan # 11 originally being {$600.00} ( which was paid off by my mother years ago ). On this day, I had also set up automatic payments in the amount of {$250.00} FOR ALL OF MY LOANS with Navient. When I got the letter confirming the payment arrangement, it said that my monthly payment was {$750.00}, so I had to call Navient in regards to that as well.

Fast forward to XX/XX/XXXX, Navient has sent loans # 10 and # 11 to yet another collection agency and this company is now saying that I owe {$21000.00} for these two loans! I had already set up payment and have been paying every month ( even had wages garnished for 5 months ) with the original collection agency.

Long story story short, I am EXTREMELY frustrated by how Navient keeps treating me and my financial advisor, and I am starting to believe they are trying to cheat me out of my money. They can never give me correct information, loans that I have been paying on keep getting sent to collection agencies, and it is continually messing up my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, a number was mistyped on a XXXX transaction. The recipient in error was contacted and they instructed their bank to withdraw the funds from their account so that Chase can request for it back. I sent a message on the Chases secure message portal with all the information ( recipient name is XXXX, the mothers name is XXXX XXXX ). We have been trying for over two months to get Chase to request the funds back and they will not do so or help in any way. 

I spoke with the Claims Department on XX/XX/XXXX, and was told that it will take 2-3 weeks to claim the funds back. I waited and called on the XXXX of XXXX after the funds was still not in my account. I was told that they will reopen the claim and call back. I called back on XX/XX/2010 & XXXX, XX/XX/XXXX & XXXX, went to the XXXX branch on the XXXX and called again today XX/XX/XXXX. Spoke to a supervisor who told me that at this point Chase will not and can not do anything to recover my money that is being held by the other financial institution unless we send a subpoena to Chase. 

Chase participates in XXXX and willingly helps move the funds, but washes their hands if something goes wrong and has been utterly unwilling to help resolve this matter. We dont even know what bank has the money. Chase does, but they cant tell us for privacy reasons. They wont even ask the other bank for the money because it was our error, so they dont want to get involved. They created this form of funds transfer. They should help resolve it without having to resort to legal options, but they dont seem to care one bit about their customers.
Product: Credit reporting or other personal consumer reports

The week of XX/XX/XXXX, I received an alert from XXXX stating : Between XXXX XXXX XXXX XXXX XXXX XXXX XXXX an inquiry made by XXXX XXXX was added to your credit report. However, I have not applied for a new line of credit, nor did I give any company consent to run my credit neither has my spouse.
Product: Money transfer, virtual currency, or money service

On XXXX/XXXX/17 I tried to add XXXX XXXX to my Digital wallet, XXXX _ but XXXX. XXXX is blocking me from doing this.
Product: Money transfer, virtual currency, or money service

Venmo allows you to purchase cryptocurrency through their mobile app. 
I have purchased crypto from their site but I am not able to sell it ( an internal error on the app freezes/kicks me out of the app after entering my tax information ). I advised Vemo of the issue on XX/XX/2021 and communicated with them approximately 13 times via email in regards to this ongoing issue. On XX/XX/2021, I was told that I need to verify my identity to sell the crypto and then was told that the best way to identify myself was to get a Venmo debit card. I am aware of no language in the service agreement where I am required to get a Venmo debit card for Venmo to release funds and Venmo is refusing to release funds and they have no basis to do so.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX - XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 15 days ago and have yet to receive an adequate resolution. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section. 
Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Credit reporting or other personal consumer reports

i recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all informatin with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/2018, and XX/XX/2018 ). now i'm requesting you to investingate this account and update these payments to paid on time immediately. THANK you for understanding and prompt actions. Also the account has been closed to. i just want them to update that it was on time.
Product: Credit reporting or other personal consumer reports

this is not my account, pls look into the payments
Product: Mortgage

From XXXX I lost {$3000.00} being mislead by NJLENDERS,XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX was told I qualified and paid inspections, appraisals, certificate of occupancy, adding fire extinguisher, smoke detectors, carbon monoxide detectors in house paid labor to install these things and then to find out i am denied because address written on tax returns. Why was n't this noticed before how would I have known? I find this all out after all of my hard work and time spent and money.
Product: Debt collection

XXXX XXXX, Account XXXX xxxxxxxxxxxx XXXX, has reported this account as a charge off on my consumer report. Per the IRS this is considered income and we know that income does not belong on a consumer report. 
XXXX XXXX XXXX XXXXXXXX, Account Number XXXX XXXX, has reported this account as a charge off on my consumer report. Per the IRS this is considered income and we know that income does not belong on a consumer report.
Product: Debt collection

On XX/XX/XXXX, I wrote a letter to Transworld Systems Inc asking them to validate an account they were reporting on my credit. I had disputed this account with the credit bureaus before, and they sent me some verification. The verification they sent me, very clearly violates the rights granted to me under HIPPA. THEY SENT ME PRIVATE MEDICAL BILLING INFORMATION THROUGH THE MAIL. I want this company to be very aware that what they did was wrong. WHAT IF MY NEIGHBOR SAW THAT! THAT IS HUMILIATING! PLEASE HELP ME!
Product: Mortgage

Violation of 1024.33 Mortgage Servicing transfers On XXXX XXXX, we completed a refinance of our Chase home mortgage. On that date, XXXX XXXX wired the payoff amount ( wire confirmation included ), to Chase home mortgage. After the wire was received by Chase, they indicated the loan had been transferred to XXXX XXXX, XXXX. The payoff was then forwarded to XXXX XXXX, however it took close to 20 days and the new servicer deducted {$690.00} from our escrow refund to cover interest accruing. Under no circumstances should close to 20 days of interest have been accrued. Chase sat on the payoff for a week and then forwarded a check to XXXX XXXX. We were unaware of this process. 

When we contact Chase, their resolution department stated it was not their problem and we were notified of the transfer by letter form on XX/XX/XXXX. We do not recall receiving this letter. Additionally, we had a written payoff quote from Chase, ordered XX/XX/XXXX in the normal processing of our mortgage refinance. The payoff quote ( attached ) was good through XX/XX/XXXX. We funded our refinance on XX/XX/XXXX. If Chase was aware of the transfer of servicing, they should not have permitted a payoff quote through the date they planned to transfer. 

We feel as though there is a violation of CFPB rule 1024.33 and request the amount we were penalized of {$690.00} returned to us. In addition to the violation, we also feel as though 3 weeks to resolve and then charge us is unethical. 

We are attaching our closing statement, our payoff request through Chase and the wire confirmation. 

Our request is a full refund of the {$690.00} and we will consider the case resolved. 

Respectfully
Product: Credit reporting or other personal consumer reports

I have clearly outline that the inquires was unauthorized or fraudulent due to data breaches and unauthorized access to my credit information. 
XXXX processes like XXXX often fail to resolve disputes adequately and I request a personalized response in hopes that I can bypass the inefficiencies of automated dispute systems and demand proper accountability for these fraudulent inquiries.
Product: Debt collection

I have disputed this collection to no avail repeatedly with the credit bureau but they still refuse to remove it. I have stated that this is not my debt and if so please provide proof. If it was my debt this is a clear violation of the HIPAA laws about sharing medical information with a third party. Also it has the debt listed as open on my credit report and I do not have an account with this credit collection company therefore couldnt possibly have an open account with them.
Product: Credit reporting or other personal consumer reports

I have contacted EXPERIAN to rectify these inaccuracies, but they seem to not want to respect my rights as a consumer as I demanded they be DELETED immediately due to the fact that I didn't recognize them and they are causing distress in my daily life. I have reviewed my credit report and have confirmed that I did not initiate these inquiries nor have I given consent for any institution or individual to access my credit information on the mentioned dates. These unauthorized inquiries have raised serious concerns regarding the security and accuracy of my credit report. The inquiries in question are as follows : 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXXXXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$380.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$160.00} ; Child Support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I was denied a card when should of gotten approved. The lady at capital one told me on the phone that I should get approved and they do n't do a hard credit check
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting Significant issues With the platform.Despite Using Zelle Numerous of times And reporting discrepancies, My financial institution and Zelle Failed to investigate My claims adequately. They informed me that recovering lost fund Was impossible And tracking those phones was unfeasible. The CFPBs findings indicate the zelle has not only neglected to protect Consumers But has also Allow Repeated offenders To exploit the system Leaving us vulnerable to scam the customers