23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My loan payment count is incorrect by 14 and 15 qualifying payments. Mohela has undercounted each loan between 14 and 15 qualifying payments. I have made several attempts over the phone-sometimes waiting up to 2 hours on hold. I have also made several written attempts, including another written attempt today, XX/XX/XXXX. Mohela has failed to answer any written attempt. The count has not been corrected and Mohela has provided no reason as to why they have failed to correct it, or why they believe the 14 and 15 payments ( for each loan, respectively ) are not qualifying. 
To note : documentation has been provided annually, re-certifying my employment eligibility since payments began XX/XX/XXXX. Mohela has provided no information and no correction, even in light of annual re-certification.
Product: Credit card

Account was not mine, someone must have stolen my mail or my info and activated the card. Because I never used it.
Product: Credit reporting or other personal consumer reports

Ive requested an investigation multiple times in the year XXXX and XXXX but to no avail. My request has fell on deaf ears numerous times regarding issue. This account was charged off on the following date ( XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX - XXXX In addition the following entities are claiming to both own the same debt by XXXX and XXXX XXXX who does not show up on my credit report but has made attempts to collect a balance on the debt theyve purchased. As you know, this shouldnt be possible and a violation of my rights. Because of this, the account needs to be removed from my credit report immediately due to not properly validating the information in which a company has passed to you. Please delete immediately When the requested above deletions are made, please mail me an updated copy of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian allowed XXXX XXXX to add an address to my account XXXX XXXX XXXX XXXX XXXX, MO., and a phone number XXXX without my knowledge or consent. I can not remove the address from my account or file a dispute XXXX has the address locked. 

I could not find this correct information because Experian does not allow me access to complete credit report. 

Delinquent account are open and pass due, not allowing me a home loan.
Product: Mortgage

In XXXX of XXXX I applied for a loan modification. I already had a loan modification from XXXX which when Nationstar took over the servicing of the mortgage in XXXX they did not honor that loan modification and would not accept my mortgage payments which put me into foreclosure. I have been trying to deal with this for many years but they refuse to do anything and won't address the issues I have raised. I have had Notices of Error sent to them by a forensic loan auditor, I have had attorneys try to deal with them and I have tried to get a loan modification so that they would accept my payments. None of these have worked and they keep trying to steal my house. They tell me that they have all the documents I submit and act like they are going to evaluate me for a loan modification but then they ask me for more documents or to update the ones I have already submitted. They did this for over a year and then denied the modification but did not give me a good reason. They said it took too long and that now I owed too much to modify the loan. They caused it to take this long. I submitted every document they requested within 24 hours of when they requested it. 
My attorney sent them a letter asking them to appeal their decision. I did not receive the result of that appeal. I have been needing extensive dental work and I told them that in my hardship letter. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told to get a lot of rest. On XXXX, XX/XX/XXXX, at XXXX am a man came to my door which rang my XXXX XXXX. It startled me and woke me up. I have not been sleeping continuously XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Having someone at my door and walking around my property so early in the morning when I am infirmed and not expecting it is a form of domestic terrorism. 

There are many mistakes in Nationstar 's ( Mr Cooper 's ) accounting of my loan. Numerous times I have asked them to correct these errors but they refuse to acknowledge any errors. I have proof that their accounting is not correct. They stopped sending me mortgage statements in XXXX but now they say that I owe way more than I should owe. They also have tried to pay for my home insurance but I always pay for it and my insurance company sends the money back to them if they try to pay for it. 

The CFPB has sued Nationstar aka Mr Cooper for the exact things that they are doing to me and I am sure there are many other people who are affected by their fraudulent and illegal acts. There should be some recourse for their breach of the settlement. 

I have lived in my house for almost 30 years. I have put a lot of money and time into this property and plan to retire here. I will be XXXX XXXX XXXX next month and I know all of my neighbors and feel safe here. I survived the XXXX XXXX fire, the XXXX XXXX debris flow, the XXXX pandemic ( I even had XXXX and survived it ), and now I am being terrorized and threatened by Nationstar Mortgage.
Product: Mortgage

For over six months I have been disputing a payment made to Nationstar mortgage co. from my XXXX XXXX XXXX XXXX bank account on XXXX XXXX, 2015. This dispute has been going on since XXXX and I 'm still trying to resolve this matter. I 've sent Nationstar multiple faxes to document the payment made on XXXX XXXX, but nothing I 've sent resolves this matter to my satisfaction. I have talked to multiple customer service agents, but no one has managed to fix this for me to date. I 've faxed Nationstar my bank account statements from XXXX & XXXX and, according to their records, a payment of {$1900.00} was transferred by my bank to Nationstar on XXXX XXXX which has yet to be acknowledged by Nationstar ( see attached pdf document ). I have furthermore e-mailed all the documents for Nationstar 's files so there is no dispute that I 've provided the company everything that they requested. 

Since XXXX my mortgage has become delinquent because they have not acknowledged my payment, thus I 've had to make additional payments to catch the account up. I 've received multiple assurances from the customer service department that this matter will be resolved, but no one has resolved it to date and I 'm out {$1900.00} plus late fees now ( over {$1500.00} by Nationstar 's accounting ). 

I am extremely disappointed in how Nationstar has handled this matter and I plan to follow-up with legal counsel to determine my options.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX a smaller company of Affirm Inc has reported to the credit company XXXX that I owe on an account. The account has been paid in full since XXXX XXXX XXXX and I was never late on payments. The reporting to XXXX dropped my score because it is showing that I owe when I in fact do not. The full amount was {$300.00}. I completed four payments of {$75.00} which was completed as of XX/XX/XXXX. I tried to have this rectified through XXXX which did not happen amd it remains on my credit incorrectly. I also spoke to XXXX XXXX and they confirmed I do not owe anything on my account.
Product: Credit card or prepaid card

On XX/XX/XXXX a portion of my pay was direct deposit into Bluebird account in the amount of {$320.00}. Bluebird has set aside account like savings accounts tied into main checking I transfer {$310.00} into set aside account. Later I looked on my online account and someone got into my account transfer {$310.00} back into the checking then did a p to p transfer of {$320.00} to a person I do not know nor did I do this transaction. I called customer service the rep from fraud himself said your account was hacked into you need to change your password. I changed password filed the dispute the next day I got email denying my claim. Then I got email stating my account was locked someone tried getting into account again I called customer service back the next day spoke to fraud stated again I did not do this. I was advised to change email and all they could do is refill claim. Today is XX/XX/XXXX and I have heard nothing. I know claim will be denied. Wheres my protection Bluebird states they are alternative to checking I am very upset and need my hard earned money back.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts has violated my federally protected consumer rights to communication in connection with debt collection under 15 USC 1692c. 

XXXX XXXX  # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1962c ( A ) ( 1 ) states ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1. ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumers location ; 15 U.S.C 1962c ( C ) ( 1 ) states If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ;
Product: Money transfer, virtual currency, or money service

I am writing to file a formal complaint against Cash App regarding unauthorized transactions and the subsequent withdrawal of funds from my linked debit card. The purpose of this letter is to seek assistance in resolving this matter and to address the financial strain it has caused. 

On XX/XX/XXXX, I discovered that my Cash App account had been compromised, leading to unauthorized withdrawals from my attached debit card. The culprits utilized XXXX to withdraw funds from my Cash App account without my consent. I want to emphasize that I did not authorize any of these transactions. 

The unauthorized charges occurred on the following dates and amounts : XX/XX/XXXX : {$58.00} XX/XX/XXXX : {$180.00} XX/XX/XXXX : {$300.00} Furthermore, there were multiple unsuccessful attempts at transactions that were made, indicating further suspicious activity. I promptly contacted my bank, seeking assistance in resolving this matter. Regrettably, I was informed by my bank that it is the responsibility of Cash App to address this issue, leaving me in a precarious financial situation. 

The unauthorized access to my account and subsequent fraudulent transactions have caused significant distress and financial hardship. I am seeking your intervention in this matter, as I believe Cash App should be held accountable for the security breach and the resulting financial loss. I kindly request a investigation of this complaint and ensures that appropriate action is taken to rectify the situation.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1970 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XXXX ACCOUNT RESOLUTION SERVI Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XXXX of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ACCOUNT RESOLUTION SERVI I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts  Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1970 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Checking or savings account

I was informed my by Chime that will be closing my account and I won't have access to my money and wont be refunded my money. I set chime as my listed account to receive my federal tax and state taxes from XXXX. The funds were received XX/XX/XXXX and Chime closed my account on XX/XX/XXXX mid day. I sent an email to XXXX and they asked for information in return and I sent them everything they asked but I have not heard anything back and have been sending documents to help them open my account back up. 

They don't take my calls and only send me automated emails back. I have shared very sensitive information with them that only I would have access to, even a photo of myself and my ID and the date and time. An everytime they request information I give them exactly what they ask for but they have stopped communicating with me.
Product: Checking or savings account

XX/XX/2024 Truist locked and closed my mothers bank account and are holding my funds
Product: Debt collection

I received a letter from the Offices of XXXX XXXX XXXX, XXXX. 

They stated that they had been hired to collect on a {$7800.00} loan having to do with a XXXX XXXX XXXX XXXX with XXXX originating from Gold Acceptance on behalf of XXXX XXXX. The letter from from the law firm stated that if they did n't hear from me with 30 days they would assume the debt was valid and take actions accordingly. 

-- >This debt is not mine. I have NOT done business with Gold Acceptance or XXXX XXXX. I have NEVER owned a XXXX XXXX XXXX. Yes, they had my address but they were writing to someone else ( that did n't even have my identical name ) .< -- I promptly ( the next business day ) called the law firm ( at XXXX ) to tell them that they had the wrong person and XXXX please disassociate my address from their dealings with those companies and that car. 

The first person ( only willing to identify himself as " XXXX '' ) attempting to summarily dismiss me asked if there was anything else he do. I did not hear him type one stroke onto a keyboard. He did not have enough identification from me ( although he attempted to take my social security number and said we has recording the phone number I was calling from ). Why would n't he just take the file number off the letter I was offering him? He kept asserting that I was the debtor, that he did n't have any proof I was n't the debtor ( even though we would n't take what I was offering him, and that the correct debtors call them all the time pretending to not be who they are. He refused to answer my questions or give me any degree of certainty that I would not be contacted again. 

I have a perfect credit score and afraid that this firm is going to continue to harass me for a loan and nothing to do with. 

XXXX XXXX, the next person I talked to refused to give me any verification that the calls I had placed ever existed. A ticket number. A receipt. A procedure. Something that would document that these calls had been placed. Giving him plausible deniability? He first said that he did n't have to because I was n't a law firm then denied that he said that then said that he was prohibited from communicating with me. ... yet his firm wrote me and he was TALKING to me as he said he was n't legally able to.

Obviously this firm is predatory, willing to get a buck from whomever they can with no regard for collecting from the proper individual. If that was my car how come my name had never been filed for the tabs or the license for that car? Do they have the right to shake down every tree that happens to be XXXX or XXXX XXXX until they get one that is clueless or helpless enough to be victimized?

I am not their mark. All they had to do was tell me they knew I was n't their guy and give me some kind of memento of the occasion ( for my use in future legal proceedings ). But they apparently were very eager to preserve their anonymity ( /lack of involvement ) and therefore reserve the right to keep communicating with me off the record?
Product: Checking or savings account

Nothing happened. I was trying to buy gas when my card did not work. Waited next day Sunday still card said declined. I have {$53000.00} in the account. I made one {$8000.00} deposit from a check given me from the buying agent of sale of XXXX XXXX XXXX XXXX CA XXXX. When I asked Chase what the problem was no information was given, no answers to my money, I was hung up on 3 times. I have the calls recorded. First call was 31 minutes, 2nd 23 minutes and 3rd 41. This money is all I have. We sold our home and were leaving for Washington but now Im completely out of money were homeless and Chase could care less. I want nothing to do with this bank. There tactics are shady at best. Its a company full of people who do the wrong thing just for the sake of. The only thing I can think of is the check I deposited lady XXXX. It didnt clear. One time in 15 years. XXXX Vet that was told by military that Chase cares for us soldiers. That couldnt be further from the truth. Im angry because the 4 of us are sleeping in my XXXX. I have money that Chase wont give to me. I am so angry and distraught about this. Seeing my girls be hungry and being a XXXX then working for the XXXX, XXXX and XXXX for the last 20 years then having an American company just destroy my family over night does not sit well with me. If you need polygraph results as to the truths above I can schedule one. Please make them give me my money back fast. I want to take them to court and probably will. Over the years Ive lost money banking with them. They need something drastic to happen to them
Product: Credit card or prepaid card

Someone hacked my account and stole XXXX dollars on XX/XX/2021 ... and b of a said I was liable after a 2 day investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had 2 differwnt identity theft problems with XXXX. The first time i filed a police report and they fixed it. The 2nd time ( years later ) they said it would be fixed. Someone using another address set up service at another address. I filed a police report and sent to XXXX at their request. I also sent them proof of my residence. They said it would be removed but it never was. months later I called back and was told the first agent didnt do it right and it would be fixed. That was over a year ago and ut was never fixed. I disputed it through experian several times and still not fixed. Please help. It is a debt for about {$1700.00}. XXXX has the persons name and address but they still report it to my credit. XXXX allows people to set up accounts with your ssn or without it if you do auto pay. 

Experian has failed to do a thorough investigation.
Product: Money transfer, virtual currency, or money service

i am filling a complaint against cash app due to inadequate customer service and unfair practices, which violate the consumer financial protection act CFPA. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on thier platform, Leaving my account vulnerable and unprotected. Futhermore, thier dispute resolution proceeds was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act EFTA and regulation E. these actions have caused significant inconvenience and a financial loss, and i seek appropriate redressed for these violation
Product: Credit card or prepaid card

XXXX an XXXX grandmother and was a victim of a coordinated fraud attack which began on XX/XX/2022. My Macys American Express card, while in my possession and under duress was used to purchase {$34000.00} worth of Macys gift cards in various Macys stores throughout XXXX XXXX. I was contacted by an individual over my cell phone who claimed to be from my local banks fraud department. While under near constant supervision via my cell phone, they urgently instructed me to go to several retailers, including Macys department stores and purchase {$500.00} gift cards. The told me they were working directly with Macys and to not speak about this to anyone, including friends and family. All charges from occurring on XX/XX/2022, totally {$9000.00} were completed by myself but were fraudulent from the beginning. 
Why did Macys a store Ive trusted for years let me down? Why dont they ask questions about why Im purchasing so many gift cards? Why didnt they know that gift card scams target elderly individuals such as myself? Were they never trained in such matters? Why didnt the fraud alarms kick off and put a lock on my card? 
Ive learned a lot since XX/XX/2022. Especially after reading several published articles from the Consumer Finance Protection Bureau and the Security and Exchange. Where was Macys and XXXXgroupss fiduciary responsibility to its elderly customers?
Product: Debt collection

Chase Bank is reporting on my Personal Credit Report a Card that is a business account. I am the CEO/Owner of the company yet it is not a personal credit card. I have tried to dispute and reached out yet they have not removed the negative mark of my personal credit allowing it to reflect on the Business Credit. This is Illegal. 

I have know legal binding personal relation to the XXXX XXXX XXXX credit Account. The card that they are reporting on is a Chase closed business account credit card account ending in XXXX Chase XXXX XXXX
Product: Credit reporting

I had cosigned a lease on my sons college dorm in XXXX, XXXX. 
The landlord, XXXX, claims damages and refused to return the security deposit, and charged {$87.00} to replace a light bulb and other frivolous charges.I have disputed the bill and have written numerous ( 10 ) letters to the landlord and to XXXX, XXXX XXXX. 
XXXX has not replied to my disputes and requests for documentation. 
And they filed a negative item on my Equifax file. 
Can you help this to be DELETED from my credit file?