23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We entered into a loan modification with Dovenmuehle in XX/XX/XXXX. We were repeatedly assured that we would not be considered behind on our payments, that our credit report would not be affected, and that we would be given options at the end of the agreement for how to repay the remaining amount. One of the options given was the ability to add the remaining debt amount to the overall loan amount at the end of the modification term. Without any notice to us, Dovenmuehle was placing our loan payments into a suspense account, considered us delinquent on payments, and transferred our mortgage to a debt collector in XX/XX/XXXX, all without notice to us, as is federal law, that we were considered delinquent, and with no option to repay. The debt collector came after us for a balloon payment and threatened to foreclose immediately. Dovenmuehle reported on our credit that we were 60 days late. We had to beg and borrow money from family members during a time of extreme financial distress in order to keep our house, while also having our credit impacted by the delinquent report. 

We argued our case with Dovenmuehle for most of XX/XX/XXXX to no avail. We filed a Consumer complaint about Dovenmuehle 's unlawful and unkind practices in late XX/XX/XXXX, to which Dovenmuehle finally responded, via a mailed letter in XX/XX/XXXX ( attached ), that they made the credit report in error and would correct the issue. After a few more months of waiting for it to be removed from our credit report, we spoke with Dovenmuehle again and were told that they rescinded the correction in XX/XX/XXXX, AGAIN with no notice to us. We also contacted Transunion to try to get some traction on this issue, and they were completely unhelpful, stating that Dovenmuehle does not want to remove the erroneous reporting, so there is nothing they can do. 

We have gone around and around on this issue for a year and a half, and it is way past time for something to be done. We should not have to suffer for Dovenmuehle 's unlawful behavior.
Product: Checking or savings account

On XX/XX/2023, JP Morgan Chase issued me a check in the amount of {$9700.00}, representing the funds from an account they closed on my behalf. Unfortunately, Chase did not inform me of the account closure or the issuance of the check during the entire process. The check was dispatched on XX/XX/2023, and it arrived on XX/XX/2023. However, the delivery by XXXX went awry as the check was sent to an incorrect address. 

Regrettably, someone intercepted the check and successfully cashed it on XX/XX/2023, at XXXX Bank, under the name XXXX XXXX XXXX. This individual forged the check by adding " and XXXX XXXX XXXX '' after my name in the " pay to the order of '' section, and subsequently signed it for cashing ( A copy of the fake check as in item XXXX ) On XX/XX/2023, I called Chase to ask them where my check is and they told me someone has cashed it by faking the check. 

On XX/XX/2023, I went to the chase branch at XXXX, NY and spoke to XXXX XXXX. He informed me of the procedure for correcting such mistakes. I have also sent the declaration of unauthorized endorsement or altered item form ( A copy as in item XXXX ) and unauthorized signature or forged item declaration ( A copy as in item XXXX ) .I also have reported this incident to both XXXX ( tracking number XXXX ) and the local police ( report number XXXX ), and they are currently conducting investigations into the matter. 

On XX/XX/XXXX, I contacted XXXX and the customer service told me they can be responsible for the loss and they were waiting for Chase to conduct the verification on their end. However, Chase hadn't done that to this date ( XX/XX/2023 ). 

From XX/XX/XXXX to XX/XX/2023, I kept contacting the chase claim team ( phone number XXXX ), they kept telling me that they hadn't received my documents, even if it's been a week from the day I filed it. They also kept giving me different responses regarding my situation, some said they received the verification request from XXXX, some said not.
Product: Credit reporting or other personal consumer reports

My father had been hiding assets and money since XXXX when I had to stop working as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnd resulting health complications. My dad got credit cards in my name without my knowledge, consolidated my student loans into my name without telling me and took out multiple loans and mortgages on my childhood home in NC. After my parents divorced, my father left my mom with nothing and ruined both our credit, which has left us struggling financially. We live paycheck to paycheck on XXXX XXXX XXXX and my moms portion of my dads monthly social security check. My father took out a loan for my XXXXXXXX XXXX and it was understood he would pay for my education. In XXXX, I graduated from XXXX XXXXXXXX in XXXX years with two degrees, a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I went back to XXXX to get my XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX. I began working as a XXXX XXXX XXXX XXXX XXXX  After I had to temporarily XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX later diagnosed as the XXXX XXXX, XXXX, my dad consolidated both loans and transferred them into my name without my consent or knowledge. I was very ill at the time and not yet diagnosed. Those student loans are now solely in my name and are on my credit report. Due to his fraudulent actions, I have unable to get a car loan, credit cards, or buy a home for my son, my mother and myself.
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. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX - XXXXXXXX XXXX  : # XXXX, XXXX - XXXX XXXX : # XXXX, XXXXXXXX XXXXXXXX XXXX : # XXXX, and the US Bankruptcy # 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 reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I noticed fraudulent activity on one of my Chase credit card accounts. I filed a dispute with chase and they were able to resolve the issue. Because I was a victim of identity theft, I filed an Identity Theft Report with the FTC noting fraudulent activity on my credit card account. As a victim of identity theft, I am entitled to place an extended fraud alert on my credit report and send in the required documentation to XXXX to do so. Upon sending my request in to XXXX for an extended fraud alert, XXXX, on their own accord, without asking me, sent a dispute investigation for fraud to Chase. Because of the dispute investigation sent to Chase, Chase automatically closed my entire credit card account. Chase stated that they closed the account because the dispute investigation sent by XXXX  stated that it was a fraudulent account. This is not the case. The identity theft report that I filed and the personal statement on the report clearly states that I experienced fraudulent activity on my account, not that the entire account was fraudulent. Chase will not reinstate the account unless XXXX retracts the fraud dispute investigation. XXXX is stating that they can not retract the fraud dispute investigation and that Chase has the ability to re-report the account on my credit report. It seems that XXXX   made an error by sending a dispute investigation to Chase without my permission and without due cause. If you review the personal statement on my identity theft report, it clearly states that I was reporting fraudulent activity on my account, not that the account in itself was fraudulent. Now I am stuck in the middle with both agencies ( Chase and XXXX  ) saying that they can not do anything further. Re-opening the account is of importance to me because the account that was closed has over XXXX rewards points attached to it. Since the account was closed without any notice to me, I have essentially lost XXXX reward points and can not reclaim the points unless the account is re-opened. Further, the account has been open since XX/XX/XXXX and paid in full each month. If the entire account was fraudulent, I would have reported it as so much earlier and I would not have paid off any of the balances on this account.
Product: Debt collection

XX/XX/XXXX I was billed {$1400.00} I logged into XXXX, the portal I am able to view and pay my medical bills through. I began making monthly payments on the bill above. That bill then went into dispute, or reevaluation for coding. So I only had made one payment toward that bill prior to reevaluation of : {$25.00}. I was XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX of XXXX, accumulating more bills within my XXXX XXXX I began paying monthly on them. I received an email stating that I was able to sign up for a program called XXXX where they would tell me what to pay monthly. It was listed as optional. I have attached the screenshots from that email. I decided that I knew my financial ability and status better than them, so I never signed up for the XXXX XXXX. Apparently XXXX XXXX XXXX  automatically took that bill from XX/XX/XXXX and enrolled me in XXXX of XXXX, when the reevaluation of coding came through. By them enrolling me in XXXX, my bill of now {$1300.00} no longer appeared in/on my XXXX XXXX  where ALL of my other and remainder medical bills were listed and being paid on. So when I called in XXXX of XXXX to pay ALL of my medical bills in full that one bill of {$1300.00} was not included in the lump payment I made, unbeknownst to me. I had no idea I had a large medical bill removed from my XXXX and no idea it was not included in the lump payment I made to XXXX. So now as of XX/XX/XXXX I was sent to XXXX collections agency for the {$1300.00}. I clearly was making good faith payments on all of my medical bills, never requested a third party to take over managing my bill collection and I attempted to pay all my bills in full on XXXX. I feel as though XXXX is deceptive with the XXXX XXXX, especially automatically enrolling XXXX of my bills in it and REMOVING said bill from the patient portal we are instructed to utilize. XXXX is suppose to be a one stop shop, until they remove your bills unbeknownst to you and then send you to collections for no payment. 

Then XXXX sold my debt after this was originally settled via consumer finance in an attempt to collect again. It is on record that XXXX XXXX hospital advised XXXX to stop collection on this debt. Now I am being harassed by Controlled Credit Corporation. I attempted to inform Controlled Credit Corporation about this previous report about shady collections on the part of XXXX XXXX and then XXXX, but they ignored my written submission that included this report. 

This debt was shady from the start, as I paid my accounts in full, not aware that they moved a bill to another account that I had no access to. I am tired of fighting this unfair fight. Check my account with XXXX XXXX I am paid in full as I have always been. This is shady business deals, I never gave consent for any bills in my name to be moved to another account. 
I NEVER ENROLLED in XXXX. Ive attached that their own email states that it is optional and all I have to do in enroll to get started.
Product: Debt collection

There is a collection on my credit report from XXXX XXXX XXXX  date XX/XX/2022 in the amount of {$1100.00}. I have no knowledge of this debt. Please send any information acquired that this belongs to me.
Product: Debt collection

I am filing this complaint on behalf of my XXXX year old mom who lives alone and has XXXX. She continues to receive approximately 3 calls per day from phone number XXXX. When she answers the phone, they hang-up on her. I googled the phone number and found it to be associated with Commonwealth Financial, a debt collection agency. My mom has no debt and has always paid her bills in full and on-time. I tried contacting Commonwealth via the above phone number, but all I get is an automated message. If I select the option to speak to a live person, I automatically get hung-up on. I tried that several times to no avail.
Product: Credit card or prepaid card

On XX/XX/XXXX I called into capital one debit customer service regarding a check I uploaded to my Capital One Debit Card account. I called because when I uploaded my paycheck their system tried to hold my check for 10+ days and that wasn't feasible for me because of my current situation. I suffer from multiple mental illnesses that cause my mood to fluctuate on top of my triggers. I was freaking out so I call them and the first rep told me there's nothing that they can do to help in a very rude tone. I demanded to speak with a supervisor because I knew for a fact that this was false information, which made me even more upset. The reps superior gets on the phone and assures me that my check will be deposited ASAP. She verified my check and got it deposited so I was very happy and ended the call. 

About a week later I receive 2 harassing emails from Capital One threatening to cut off my debit card. I replied and told them to stop emailing me regarding an issue that their rep lied about and could have easily taken care of, I expressed how I shouldn't be receiving different information depending on if the rep is in a good mood or based on their personal feeling regarding me, I should receive the same streamline service just like everyone else. 3 weeks later on the XXXX I receive a letter in the mail stating my debit card would be shut off because of the interaction with the representative. This letter got me very upset because so I called in and agents confirmed my account will be closed for voicing me freedom of speech in the comfort of my own home. 

I also have a Credit Card account with Capital One so I ask to be transferred to that department to see if that account is being closed as well. When I spoke with a supervisor with the CC teams I was told that the banking and credit sides of capital one are completely different and was assured that my Capital One credit card will remain active unless i wanted to cancel it. I explained that I'll be traveling so it is imperative I know which of my accounts I'd have access to. 

Fast forward to XX/XX/XXXX I get a letter in the mail stating that my credit card was shut off. I check my app and the account was disabled. I was so confused because the supervisor assured me that my credit card would remain on. When I called the credit card number back I got complete opposite information form a different supervisor. 

I feel very discriminated against, these reps and supervisors have blatantly admitted that this decision is completely bias and based on their personal experience and point of view of that person. I feel the real reason I am banned from this bank is because I'm young, XXXX, XXXX XXXX, and I stand up for myself! None of these are sufficient reasons to cut my accounts off with no grace period or notice.
Product: Checking or savings account

My checking account was closed by US Bank end of XXXX. I have around {$12000.00} in my checking account when my account was closed. I contacted US Bank multiple times to give the money back to me.They referred me to the branch manager who originally opened my account. I contacted the branch manager, but he barely responded. I went into the US Bank XXXX branch multiple times and finally got chance to talk to the branch manager XXXX XXXX. His attitude was very unprofessional. He simply told me he will hold my money for three months. Now it has been over three months, I contacted him again to get my money back, but he never responded to my email or phone. It was very bad experiences and really need to file a complaint towards this US Bank branch and this manager.
Product: Debt collection

They repeatedly call and when we answer they hang up. I call back the number from my caller ID and when I finally get someone on the phone and tell they to stop calling they say they have no history of calling our number, even though I tell them I got their number off of my caller ID right before I called them. I tell them to stop calling, they say they didn't and then they call again and again and again, and then I call them back and tell them for the umpteenth time to stop calling, yet they will call back later or the next day.
Product: Credit reporting or other personal consumer reports

old addresses and phones numbers need to get deleted, under the FCRA 15 u.s.c 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy on my transunion credit report that is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

Both my wife and I have attempted numerous times to temporarily lift a credit freeze with Experian.  Our attempts include both the online process at XXXX AND 4 different phone numbers (XXXX-XXXX-XXXX, XXXX-XXXX-XXXX, XXXX-XXXX-XXXX & XXXX-XXXX-XXXX).  I do not know how I got to talk to a real live person, XXXX, but he helped me with temporarily lifting my credit freeze using the PIN provided to me by Experian at the time the freeze was put in place.  He provided me the XXXX-XXXX-XXXX number, but my wife has not been able to talk to a real live person.  Experian needs to have an option to talk to a real person as the phone options either end in a infinite loop, it hangs up, or it informs me to submit a long list of documents to mail.  The online process results in sending the long list of documents.  My wife's PIN did work at a credit union when we applied to be members on XX/XX/XXXX.  We put a credit freeze at all 3 companies in XX/XX/XXXX. We received PINs from all three.  XXXX  and XXXX online process worked perfectly.As I am filing this complaint, my wife tried one last time to temporarily lift her credit freeze online.  It worked!!!! I don't know why it did NOT work in the past. Maybe because of the credit pull the credit union did resulted in Experian's system to recognize the PIN.No person should have to go through this much effort to either freeze or lift a freeze.  ALL credit score companies should be required by law to provide an option to talk to a real person.  It is a invaluable to people to freeze their credit in order to reduce the chance of identity theft.  It is also invaluable to people to lift the freeze when needed without undue burden.
Product: Debt collection

Commonwealth failed to verify debt. 
Under the fair credit act, Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter - I sent letter on XX/XX/21 date VIA USPS certified mail. You can track this package using THIS tracking number. 

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2022 i received notice from XXXX XXXX that there was a {$520.00} balance from XXXX XXXX XXXXSELFLENDR. I googled and found it was from a company called Self. WWW.SELF.INC. I have never applied for anything from that company. I attempted to call the company but since I didn't have an account they would not accept my call. There is no option to speak to an operator. I have tried responding to e-mails they have sent to me but their e-mail system does not allow you to reply I did not apply for this and I want them to remove this charge from my credit report. It is fraud and someone must have obtained my information OnXXXX or about XX/XX/2022 I have XXXX file a fraud report as well
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I am XXXX years old and on a fixed income, and needed money to go to the funeral of my brother in another state. I also had to pay large medical bills that were charged when I was in the Hospital in XXXX, 2018. I borrowed {$2500.00} from Cash Central. I have paid five payments in the amount of {$390.00} each. I had to miss five payments because it was too much to pay with my additional medical bills.One of my medication was {$300.00} for my XXXX XXXX. With late charges and interest I now owe {$4300.00} which is much more than I borrowed. I called to ask if I could PAY {$100.00} PER MONTH UNTIL IT WAS PAID, BUT i WAS REFUSED. I get at least seven calls per day and night trying to collect the full amount. This brings on added stress which affects my XXXX XXXX. I wear a XXXX and XXXX. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

i contacted the three credit report agencys. XXXX, XXXX, and Experian concerning the inquires that are on my credit report. 6 months ago I contacted them with a letter asking for them to be removed as they are not mine and they are not associated with anything I own or have ever owned. I then received letter back from all three that were just computer generated saying they have investigated and they belong there. I sent them out letter again stating these were not mine and asked them to provide proof they have these inquires are mine and I approved someone to run my credit.. during this time of the second letter I froze my account through some agencys and am trying to make sure nobody is accessing my credit again. I received the same generated email from all three companies stating the same thing but did not provide me with any documentation that they received proof these items are mine and I approved anyone to run my credit. I reached out to several of the companys that are listed as inquires and have never gotten a response back or anything letting me know who would give permission to run my credit.