23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello Consumer, Financial Protection Bureau, I am writing with updated information to add to my current complaint regarding the serious issue of mortgage fraud involving XXXX XXXX XXXX  Rushmore Loan Management Service, LLC a.k.a Rushmore Servicing, now comes XXXXXXXX XXXX and Nationstar Mortgage LLC, also known as Mr. Cooper, which I have recently uncovered. These entities have fraudulently modified my XXXX home equity loan contract and deed of trust and unauthorized changed the dates and start over a new loan on my property without my knowledge or consent, and XXXXXXXX XXXX XXXX is not taking responsibility for their part in the fraud even though I have documentation proof that they are involved. 
During my XXXX XXXXXXXX bankruptcy proceedings, I was required to provide proof of my mortgage contract on XXXX separate occasions : XX/XX/XXXX, and XX/XX/XXXX. Upon review, I have discovered that my home equity loan contract and deed of trust were unlawfully modified, with the dates altered on the original loan and deed of trust documents. These fraudulent modifications were carried out by XXXXXXXX XXXX the lender, in collusion with Rushmore Loan Management LLC, the servicer also known as Rushmore Servicing. 
It is important to highlight that I have never taken out a loan with XXXXXXXX XXXX XXXX Rushmore Servicing, Wintrust Mortgage, or Nationstar Mortgage LLC Mr. Cooper. Despite this, these entities have somehow managed to associate themselves with my property, and property tax, leading to unauthorized and fraudulent claims against it. This is a clear case of mortgage fraud that needs to be addressed immediately to prevent any further unlawful actions and to protect my property rights. 
To summarize, the key points of this fraudulent activity are as follows : Unauthorized Mortgage Claims : Rushmore Servicing, XXXX XXXX and Nationstar Mortgage LLC ( Mr. Cooper ) have falsely associated themselves with my property, even though I have never taken out a loan with any of these entities. 
Fraudulent Document Modifications : My home equity loan contract and deed of trust have been altered, with the dates changed to misrepresent the original loan and deed documents. This was done by XXXXXXXX XXXX and Rushmore Loan Management LLC.

Brand Confusion : Rushmore Servicing and Mr. Cooper are brand names for Nationstar Mortgage LLC, further complicating the identification and addressing of the fraudulent activities. 
I respectfully request a consultation to investigate this matter urgently and take appropriate actions to rectify the situation. The fraudulent claims against my property must be nullified, and the entities involved should be held accountable for their actions. 
Please let me know if you require any further information or documentation from my end to assist in your investigation. I am committed to ensuring that justice is served and that my property rights are fully protected. 
Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX
Product: Student loan

Starting in the year of XXXX I began to have problems with my student loan. At that time they would not allow me to make payments on the loan because they had put a bankruptcy on my account. It took them about a year of me and my mom calling them to get them it figure out that they had put the bankruptcy on the wrong account. The whole time during XXXX, they would not allow us to make payments but continued to charge interest to my loan. Ever since then my payments have been more than what I can make and more than the original agreed upon amount. When I called to try and get a lower payment, they kept telling me that " a forbearance was the only option for me. '' Not knowing that this would increase my payments, I had no choice but to do it in order to get a few months of relief in an attempt to catch up. I would constantly get email notifications from Navient telling me that I had options to lower my monthly payments, but when I called they would just tell me that the forbearance was the only option and they were unable to lower my payments. Recently, about two months ago, I noticed that my account said that my minimum payment was {$0.00}. So, I had assumed that they put a forbearance back on my account, but today I logged on to my account, I noticed that it was still at {$0.00} for the due amount when today should have been when the payment was due. I called Navient to see what was going on with my account and that is when they informed me that my account is on hold do to a law suit that was in progress. They told me that I can still make the payments on the account but the interest will continue to accrue. My loan balance has increased by {$500.00} in the course of two months. I then asked about lowering my monthly payments and he told me that I would n't be able to until XXXX and informed me that once XXXX came, I would need to start making a {$200.00} payment, which again is raising my payment and not lowering it, unless they can lower it for me in XXXX. Due to finances in the home, I can not afford a XXXX XXXX monthly payment nor can I afford to have my loan to continues to increase the way it is, I need monthly payments that are more affordable. I feel like I am being taken advantage of and I can not afford for this loan to keep on increasing, it started at {$12000.00}, and now it is at {$15000.00} plus, even though I have made many payments. If this continues I will be trying to pay this loan off for the rest of my life
Product: Money transfer, virtual currency, or money service

I opened an account with Cash App in XXXX. This account was linked to my cell phone number at the time. I had my paychecks with my employer set up for direct deposit into this account. Sometime after leaving my job in late XXXX, this cell phone was damaged beyond repair. The old phone number is no longer in use. 

In XXXX, I rehired with this employer. I set up a new account with Cash App. Before I could give that information to my employer, my first paycheck went into my old account. 

I have contacted Cash App customer service multiple times. The funds went through to my old account as my employer did not receive a notice of returned funds. I was told by the Cash App Rep that they tried to transfer the funds from the old account to my new one, but they were unsuccessful. I do not remember my password to my old account, and they tell me they can not reset it without sending a text to the old number, which is no longer in service. They told me on the first call that I would get a call from a Cash App Supervisor to further assist me, but that did not happen. I was told that again on a follow up call that I placed, and when I pressed to speak to someone now, the Customer Service Rep dismissed me and ended the call. 

At this point, I am seeking to withdraw my funds from my old account as quickly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is furnishing inaccurate information to my Experian credit file. Collection account XXXX. Experian is reporting XX/XX/XXXX for date last active while XXXX is reporting XX/XX/XXXX for date last active. Due to inaccuracies I want the account deleted for violating the FCRA. My proof is directly from my credit report that shows the violation.
Product: Money transfer, virtual currency, or money service

I had the Affirm App on my phone and someone either hacked my phone to buy tickets for a show in XXXX  I live in XXXX. I dont know what happened. I dont know the exact date but it was back in XXXX I think. I never had an issue with Affirm, but my email was almost hacked this last XXXX and a few other things & I'm not sure if Affirm may have been or not but I did not try buying tickets for the XXXX show in XXXX I tried disputing it on my XXXX app but the company didn't care and kept the account open? I don't know what to do anymore.
Product: Mortgage

I had bought my home in XX/XX/XXXX, and I fell behind on mortgage payment in XX/XX/XXXX, but I was able to get a repayment plan with M & T Bank in XX/XX/XXXX after becoming unemployed in XX/XX/XXXX. Also, I had fell behind in HOA dues in XX/XX/XXXX, and I tried to get a repayment plan from them in XX/XX/XXXX, but they would n't negotiate. Actually, they returned my money order. 

Recently, I have stopped making mortgage payments due to misinformation from the bank that the HOA was n't the owner that I am. I have learned otherwise through a title search that my bank deceived me from the truth of ownership. 

Now, when I call the bank 's attorney, I am always asked if I have a lawyer before I can speak to the attorney. My question is, will I get a notice from bank when I can move my personal possessions out. I was told that the bank will not be the owner after the foreclosure. How not? 

Because of this bank, I faxed the HOA notice to vacate to them for direction, and they ignored it. I called M & T Bank, and I was told that I am still the owner of the property. Today as I write this complaint, I am still told the same information. My personal property remains in the house, and I am not helped in accessing the home by this HOA to retrieve them. They refuse to work in good faith with me to let me view the inside as proof. I do not believe their word, because of their process of no repayment plan. I could n't afford an attorney during this process. 

Both the bank and HOA took advantage of my lack of the laws and legal representation. My whole life is in this house that I 've acquired over my XXXX years. Others that I shared my story have never heard that an HOA want to do this. 

I feel emotionally helpless and frustrated thinking about my personal papers, unreplaceable family pictures, and other personals that are unreplaceable. My house was stolen from me, but I am pleading for the return of my possessions. That 's all!
Product: Credit reporting or other personal consumer reports

I recently looked over my credit report and noticed a inquire I did not authorize with XXXX  XXXX on XXXX. I filed a dispute online at all three credit reporting agencies. I called and I was told the I must file a complaint here first before I can speak with the fraud department. There also a XXXX XXXX  XXXX  XXXX # XXXX DATE XXXX - XXXX ... .I did not authorized this account. I had no idea this was even reporting on my account.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of utmost importance regarding the accuracy and completeness of the information currently being reported by your company. Following a meticulous review of my updated report, it has come to my attention that there are discrepancies and incomplete details that require immediate rectification. 

-- -- -TransUnion -- -- - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have submitted numerous modification packets since account was transferred to Selene Mortgage Co in XX/XX/XXXX. They initially sent me a welcome letter and vocher saying first payment had to be sent by certified check. I had my credit union do that. Several months later that check and a letter was return stating I was in forclosure when acct was transferred to them and they needed to modify the acct and to complete a packet. i did and they adjusted my payment. i had a XXXX  emergency after third payment and called to let them know i will be several weeks late with payment and said it was ok just pay before the end of month. Within 3 weeks i got a letter saying they could no longer honor the modification agreement and the predatory practices started. i was told i could no longer make payments, constantly sent letters to complete modification packets which i did ; phone calls went unanswered, could not go online, received a statement once in a while, started getting people showing up at my home to take pictures but at the same time my balance is increasing with all kinds of charges. I developed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never had XXXX XXXX. I had a legal claim against my homeowners insurance company for hurricane damage to my home. once the case was settled Selene took control of money but was able to fix some of my home problems. I used saved money to fix mostly the rest of my home over time. Now I'm in pending foreclosure with courts. I have been through every class action law suit with all the mortgage servicers that is under the same main company ( XXXX, XXXX, XXXX, XXXX and now Selene ). In XX/XX/XXXX XXXX XXXX paid $ XXXX to get the mortgage arrears corrected with Shellpoint but the money was never applied to my account. They later filed for bankruptcy. I'm still in a foreclosure status. I've always been able to pay my mortgage but never been allowed to due to predatory practices. Since this has been going on for over 5 years, my case falls under the Florida Statue of Limitations for foreclosure and should be closed.
Product: Vehicle loan or lease

In XX/XX/2015 I leased a new vehicle using XXXX XXXX for the 36 month term. As the term approached maturity, within 90 days, they began to call me to inquire as to what my intentions were at the end of the lease. I immediately informed them I would be purchasing the vehicle at the agreed upon price. They proceeded to call me every three to five days and asked the same questions and state the same policies about lease ending practices. I repeatedly told them I would purchase the vehicle at lease end. The calls never stopped. Let me add that I was never late with any payment for the entire term. As promised, and as directed, I acquired a cashiers check for the payoff amount and sent it certified overnight within ten days of maturity. The company received the check and signed for it. The next day, the calls continued with the same old questions as to what my intentions with the vehicle were. My complaint is about harassment and lack of follow through with customer requests regarding a large amount of money. I was NEVER late with a payment and did everything I was requested and required to do, however I have over 20 documented XXXX calls berating me at lease end over a 3month period.
Product: Credit reporting or other personal consumer reports

Dear XXXXXXXX XXXX XXXX , I am writing to formally request the removal of account # XXXX from my credit report due to a clear violation of the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit reports, I noticed that the last payment date for this account is reported inconsistently : XXXX reports the last payment date as XX/XX/year>. 
XXXX reports the last payment date as XX/XX/year>. 
This inconsistency is a violation of my rights under the FCRA, which mandates that all information reported to credit bureaus be accurate and consistent. 

Due to this error, and considering that the account has been resolved, I am requesting that this account be removed from all three credit reporting agencies ( XXXX, XXXX, and TransUnion ) immediately. 

Please investigate this matter and provide confirmation in writing once the account has been removed. 

Thank you for your prompt attention to this issue. 

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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ) sent a salesman to my house in 2020. I signed up for XXXX XXXXs during the pandemic on a deeply discounted rate. I wasn't happy with the services and tried to cancel the services multiple times. They claimed to have a 12 month cancellation clause ; however, this was never explained at point of sale and the company never provided the contract that specified this term ( and I requested it multiple times ). Not only did they use deceptive sales practices but after more than XXXX year of me trying to cancel their services ( I was told multiple times that I was paying the final bill ) they sent my account to collections. To my knowledge no XXXX XXXX  have been performed on my property in the past year. I have also asked multiple times for them to put in writing that this bill I am paying is the final bill, they have not accomadated this request. I would caution any consumer from using their services as their business model combines predatory sales practices with an inability to cancel services.
Product: Credit card or prepaid card

XX/XX/XXXX I purchased XXXX XXXX smartphone at {$890.00} with the tax amount of {$53.00}. Total amount is {$950.00}. 

XX/XX/XXXX The price of XXXX  XXXX smartphone is reduced from {$890.00} to {$740.00} by {$150.00}. The promotion term was : Save {$100.00} on XXXX XXXX or save {$150.00} on XXXX XXXX XXXX. Starts XX/XX/XXXX at XXXX PT and ends XX/XX/XXXX at XXXX PT, while supplies last and subject to availability. US residents only. Must be 18 years or older. Unless otherwise stated, offerer can not be combined with other offers and is not transferable. Purchase must be made on XXXX XXXX US. Not valid for cash or cash equivalent. Void where prohibited. 

XX/XX/XXXX I filed a claim for price protection # XXXX with the MasterCard Assistance Center. 

XX/XX/XXXX I received {$53.00} amount of check. 

XX/XX/XXXX I called MasterCard Assistance Center ( XXXX ) to clarify the claim amount as {$150.00} NOT {$53.00}. And they say they will report to the claim examiner. 

XX/XX/XXXX I again called MasterCard Assistance Center about the claim. Claim examiner said the promotion terms are not valid price because they are just terms. 
I claimed the store website showed only the original price and discount amount as terms so I attached the valid promotion terms but it was rejected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, these information and transactions and items are not mine or conducted by me as a consumer. 

capital one XXXX XXXX  XX/XX/XXXX account is wrongly reporting as late payment this account has been paid and closed. 
please delete this information and block XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Social # XXXX XXXX XXXX ( a ) ( 4 ) There is a need to ensure that consumer report agency exercises there grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Please delete all other addresses, I can not receive mail or any other correspondence nor do I have access to any of these addresses, please delete these addresses other than the one listed above. 
My only phone number is ( XXXX ) XXXX I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 usc 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy, NOT granting me my rights is a direct violation of 15 usc 1681 and all its subsections
Product: Credit reporting or other personal consumer reports

I need clarification as to why Equifax is reporting certain information on my credit report. 

Account XXXX XXXX XXXX Acct number XXXX, Creditor XXXX I am aware according to section 604 requires you to have a contract bearing my signature verifying that the debt truly belongs to me. Please show me the documentation otherwise delete this unverifiable account from my credit. 

After you have finished my request, send me a copy of my credit report with these changes.

U.S. Code 15 U.S.C 1681 ET SEQ. 604 of Fair Credit Reporting Act.
Product: Debt collection

I requested validation of a alleged debt from Optimum Outcomes ... ... they sent me a letter with no date on to claim that that is their proof of validation, Yet OOI failed to include answer to the questions in my request for validation Pursuant to the Fair Debt Collections Practices Act and the Fair Credit Billing Act.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under account number XXXX, an personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, an cellphone account XXXX XXXX on XXXX XXXX under account number XXXX, and an auto loan XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

My Bank of America credit card was stolen and used at about 10 brick and mortar businesses and two online transactions. I issued a fraud claim with Bank of America. The card was cancelled and a new card was reissued. There were several new fraudulent online transactions that were initiated with the new card, That second card was cancelled and a third card was issued.

I reported this fraud to the local police, I put a freeze on my credit with the the three credit bureaus. I contacted XXXX, to whom I pay a monthly fee, and initiated a fraud alert. 

Bank of America has denied my claim, stating that they believe that the charges are similar to the charges I would have normally made. I have tried to dispute this, however, Bank of America 's customer service has put me on hold for over two hours. Each time I speak to someone they transfer me to another department where I am again put on hold.
Product: Checking or savings account

There is no phone number for estate services. I have filled out their requested forms multiple times in the last 30 days. I have attempted to get support from their chat services multiple times and requested calls from Robinhood. They consistently end my chat support requests without any resolution and do not call. I have been trying to get information from them for over a month now. I have provided all the documents they have requested and still get no response.