23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I first recieved a call from an UNKOWN number, I picked up and a man answered, when I asked him the reason for the Call he said my name and asked me to acknowldege if it was me. He said he was with a processing company and that they were trying to reach me so that they could serve me with papers for reasons that he was not able to say, he gave me a number to the law firm attempting to provide me with summons papers. XXXX I called this number and gave them the case # that the man had provided, they pulled me up and transfered me to their " Legal Dept '' where a lady named XXXX XXXX picked up and told me about a debt that I had never even heard of. A Wachovia bank acct overdrawn {$1600.00} ... she said if I did not pay that I would be sued and taken to court. She then offerd me a settlement of {$750.00} dollars and asked for my EMAIL so i could send her the contract with my credit card information, afraid for my credit score I complied and gave her my email address, after she said if taken to court that I would end up spending thousands more. I called my father and he immediatley understood this was a scam he advised me to file an FTC complaint and advised me not to send these people a single dollar. I am writing this in hopes that some type of action can be taken against these people to prevent innoncent consumers fron buying into these disrgraceful practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had consolidated my loans to XXXX. Mid- XX/XX/XXXX I was having trouble making my payments due to low income. I received an email on XX/XX/XXXX stating that they had defaulted and that they would go delinquent if I did not call in. The email stated that they can help. I called in XX/XX/XXXX and talked to a man about lowering my payments. He was very helpful and was to send me documents to fill out to ensure we got my payments lowered. I asked him, if I should make payments until we got the due amount lowered. He stated, not to pay until after I received my documents, mailed them back in, and got approved for the lower amount. I never received the documents. I called back in XX/XX/XXXX letting him know I hadn't received them. I took his advice and kept waiting on documents and not paying. I went to get a car loan in XX/XX/XXXX. As I was attempting to secure the car loan, the lady told me that there was something on my credit that I needed to check in to and that I couldn't get the loan. I looked into it and saw that XXXX had marked me as delinquent and sent my balance to collections. I called XXXX immediately and spoke with a lady and told her that I had been talking to the guy on getting the paperwork and that he had told me not to pay until it came. She went back and listened to our recorded conversation. She apologized that the man had given me wrong information and that there was nothing she could do. She then told me, " If it makes you feel better, he was let go from the company ''. No, that does not make me feel better because now my debt in is collections, I can't get approved for a car loan, and it impacted my credit immensely. I now have issues with the collection agency and communicating with them.
Product: Mortgage

CFPB Complaint Against Dovenmuehle Mortgage I was caught in an unfortunate situation and in order to save my home, I found myself having to declare bankruptcy. This was due to a significant reduction in income. I filed for bankruptcy on XXXX XXXX, XXXX and received a discharge on XXXX XXXX, XXXX. Although I have continued to make payments on time, I have not received any statements from my mortgage company ( Dovenmuehle ) since I filed. So, I do not know how my payments are being applied, what goes to principal, what to interest, what to escrow for taxes and insurance. I did receive a letter from them in XXXX stating the my mortgage was going up to cover an escrow shortfall. Dovenmuehle has even stopped reporting my payments to the credit bureaus. I have called Dovenmuehle several times requesting that my statements and credit bureau reporting be resumed and online access be restored, but have been rudely denied these services each time. They claim that since I did not reaffirm the mortgage in the bankruptcy I have no legal right to have access to this information, yet they continue to expect on-time payments. I contacted my attorney on XXXX XXXX, XXXX regarding the situation and her response was : " They did not send me a reaffirmation agreement. The Bankruptcy Code does not require debtors to reaffirm debts in connection with real property ; therefore, lenders with liens on real property typically do not send reaffirmation agreements. They are not being truthful when they say that they can not send you a statement. They choose not to send you a statement. '' These are Texas laws maybe not Illinois laws. But I am governed by the laws of the state in which I reside. They want me to reopen my case so I can reaffirm the mortgage. Not necessary in my or my attorney 's opinion. 

I have never been treated so rudely by any company as I have with Dovenmuehle. I am not the second-class citizen they would try to have me believe.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft i would like for all inaccuracy reported on my report to be investigated, each account and inquires were not made by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a XX/XX/XXXX XXXX XXXX on XX/XX/XXXX On XX/XX/XXXX the vehicle was involved in a accident, XXXX paid on the car and the gap insurance paid the rest. I don't remember the exact date but recieved information that the car was paid off. I believe it was at the end of XX/XX/XXXX. The status of the loan is still open on my credit report and it's making it hard for me to get a home loan. I will be contacting XXXX XXXX XXXX today. Please respond with solution to help me. Thanks
Product: Checking or savings account

I closed my accounts ( all of them ) with Bank of America ( BOA ) on XXXX XX/XX/XXXX due to constant degrading service. In addition to my checking/savings accounts, I opened a safety deposit box and BOA required me to give them a {$25.00} key deposit which would be refunded when the box was closed if both keys were returned. As of today XXXX XX/XX/XXXX I still have not received my {$25.00} deposit back. I provided the local branch my deposit slip showing I gave them a deposit when I began banking with BOA on XX/XX/XXXX. When I closed my account both keys were returned. My deposit slip clearly shows " Key deposit payment {$25.00}. The branch manager XXXX XXXX tells me she has asked for the deposit to be returned to me on the day I closed my accounts -- - XX/XX/XXXX, then again on XX/XX/XXXX, when I stopped in to check on my deposit and again today XXXX XXXX. Despite her XXXX attempts, I still have not received my deposit. I'm tired of waiting. Poor service from BOA is why I left the bank in the first place. XXXX XXXX today told me that she would call me on XXXX XXXX with a resolution to this situation, however in light of the past experiences, I don't hold out much hope. Hopefully you can contact someone with Bank of America and get some results. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Thru the XXXX XXXX app, I notice fraudulent activity in my TransUnion credit report. I call Tranuinoin and explain that I have been a victim of fraud and I need these hard inquiries to be removed. Their customer service representative did no help or remove the negative inquiries reporting in my credit report. Please see below the creditors that made the hard inquiries in my credit report that I need to removed. Thank You 1- XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX , VA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  ( secured ) XXXX XXXX  ( credit card ) XXXX XXXX {$7900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7800.00} XXXXall of the above has violated all or any of my rights..15. u.s.c. # 1681 section 602 A. STATES -a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

LISTING : XXXX XXXX XXXX $ 600- {$670.00} BILL ( amount changes ) - more recently the amount was below {$200.00} Dear sir or ma'am, I have a balance billed XXXX XXXX  that was paid by insurance and verified multiple times through uploading my medical records, that is still on my Experian report and still ruining my credit.

I've provided a plethora of information uploaded including insurance documents.

It is only on Experian, and that is because the other two bureau 's are handling my personal information correctly.

Experian, you need to handle this and look after the consumer. I pay you. for your services and you won't budge on this. I submitted a receipt of the insurance benefits where it was paid! I have sent you enough documentation that it is borderline outrageous.

This debt was reduced in Experian to under 200 dollars, which I have proof of attached. It is back at XXXX now. Clear proof that neither the CA or collection agency knows what to do with a collections that is moot and ruining my credit.

Now I have visual proof of the amount changing, This is being reported incorrectly, immediately delete this from my credit report and stop damaging my credit.

This is causing other hardships as well,. You're prompt attention and detail to this is appreciated.

Please delete the information as quickly as possible.
Product: Payday loan, title loan, or personal loan

I was double charged interest of My Chase Loan. The interest over charged in XX/XX/2023 is {$48.00}, in XX/XX/2023 is {$43.00}, in XX/XX/2023 is {$16.00}. 

First, I called chase. 2 of 5 the account manager wants to refund me but couldn't because the charge is setting by system. Other 3 did not even know the detailed terms of My Chase Loan. They just saying the amount is showing not charging. But the equation showed in statements shows the interest was charged in addition to my monthly installments. And the installments contains the interest. 

I also wrote security message to Chase through App. The representative XXXX just saying it is right without answering my questions about why I need to pay additonal interest besides monthly installment. My Chase Loan supposed to pay interest rate in monthly installment not in additional charge. He is just rudely answer it is a fee. But My Chase Loan does not have any fee except monthly installments. 

I then pointed the statement error to their mail service. I asked 3 questions : Why I need pay interest in addition to monthly installment containing interest already? 
Why the balance to calculate interest is much higher than what it should? 
If My Chase Loan is treated as cash balance transfer, why Chase did not point out in documentation? 
I just got an answer which did not answer any of the question. It is said that the balance calculated for interest is not the balance you have for the credit card, which I know for sure. 

For the 3 month and 3 way contact method, none of these is answering my questions and usually arbitraited and shows no knowledge of their product.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them has been heard. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Reference number : XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) # XXXX XXXX {$92.00}
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX. My lease matured in XXXX XXXX, so before the maturity date I contacted Lexus Financial Services and asked for 6 months extension. The rep took down my request and told me I should be notified shortly weather my extension was granted. I called a few days later and the customer service told that he could not see it but if I saw that a payment for the next month was available that meant that the extension was granted. I logged in into my LFS account and a payment for the month of XXXX was due. I made the payment and was under the impression that the lease extension was granted. The next payment notification came in XXXX so I paid it as well. A few days after the XXXX payment at XXXX XXXX in the morning a tow truck with two beasts gets inside my property and tows away my car. I get confused thinking it is a theft. I tried to get my stuff from the car to make sure it was not a theft, one of the beasts blocked me and they took off. I called the police department and was advised that it could be the financial services. I got doubtful because I knew I had made the payments. I called LFS they apologized and told me that the extension was never granted. I called another time just to pose a question weather they made a mistake or they really acted in compliance with the California laws. I asked them if the lease is past the maturity date and the extension is not granted are they supposed to accept further payments, and their answer was NO. A month after the incident they sent me a a letter thanking me that I returned the vehicle to XXXXXXXX XXXX which I did not and that the vehicle had excess mileage/and wear as defined by my lease agreement or I had some unpaid charges, or both. The the statement reads I owe them {$2400.00}. I called them again and told them that my vehicle had excess mileage but not in excess of XXXX miles which I paid in the two extra payments that I made after the maturity date. They had no answer but to insist that the amount was due and that it need to be paid off.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  # XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX,
Product: Mortgage

We had a mortgage with XXXX Bank and established an escrow account to cover our homeowner 's insurance and tax payments. However, XXXX Bank sold the mortgage to Freedom Mortgage without our consent. We received a letter dated XX/XX/year>, notifying us of this sale. The letter states that XXXX Bank will transfer the required insurance provider information to FREEDOM MORTGAGE CORPORATION, and they will notify your insurance provider of the transfer. 

On XX/XX/year>, our annual homeowner 's insurance payment was due. The balance in our escrow account was over {$XXXX}, which was more than sufficient to cover the payment. However, on XX/XX/year>, I discovered that our homeowner 's insurance policy had been canceled due to non-payment. As a result, I spent XXXX days away from work trying to recover the existing policy, but I was denied reinstatement because of a claim I made in XX/XX/year> regarding a neighbor 's tree that fell onto my detached garage. 

Eventually, I found a new insurance company willing to provide us with coverage, but this policy cost nearly XXXX  % more than our original one. 

Since then, I have received letters from Freedom Mortgage stating that if I do not provide proof of insurance for the period between when my original policy lapsed and when I obtained a new policy, they will require us to pay for a forced policy covering XXXX  days from XX/XX/year>, to XX/XX/year>, which would amount to {$XXXX}.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Transunion regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX, but it is incorrectly listed as [ XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ] on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX, while my credit report shows an outdated address of [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ]. I request that my current address be updated accordingly. 



Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX XXXX XXXX appeared as a pending charge. I send cash app support a message. Letting them know the charge was unauthorized. Cash app then informed me that the charge was pending and to try back later. 

Today XX/XX/XXXX I reached out to cash app because the charge and posted. Cash app has responded with email for there support team : We will update you with the required information to open your claim within 10 business days. 

Please note, the card network provides the merchant up to 45 calendar days to investigate and resolve your claim. 

We appreciate your patience throughout the claim process. 

This is not fair that I notified them before the charges posted and now have to wait 55 days for response to my money. During these times my family needs every penny and cash app is taking advantage.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXXXXXX XXXX XXXX XXXX XXXX The last four ( 4 ) of my social is XXXX. On or around XX/XX/XXXX, I applied for an auto insurance quote with XXXX XXXX. According to the insurance agent XXXX, he was unable to pull ( access ) my credit report. He indicated the reason may be due to a security freeze. I dont have a security freeze with experian. 
I called LexisNexis on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and was on hold for over 25 minuets. I then spoke to a female agent in the XXXX XXXX XXXX 
During the call she stopped talking. This is call avoidance. I then called back on or around XXXXXXXX XXXX XXXX I was on hold for over 40 minuets. This is egregious. I have the phone calls recorded as evidence. LexisNexis has excessive hold times and are inappropriate. Due to LexisNexis inappropriate hold times, I hereby request a copy of my consumer file and score including if I have a security freeze. In addition, please remove the freeze forthwith. Please email my consumer disclosure report. Moreover, I am filing a valid complaint with the XXXX and FTC.
Product: Mortgage

I am writing to complain about Loan Depot, broadly, due to their not closing on time, and the Loan Depot XXXX XXXX in the XXXX area XXXX led by XXXX XXXX XXXX and my specific concerns about loan XXXX XXXX XXXX XXXX 

I have two complaints : 1. The first complaint is the manner in which XXXX XXXX conducts her business. I was working with a separate loan officer with Loan Depot, XXXX XXXX, out of a different office. He had performed a lot of work on the loan. XXXX XXXX, who I had never spoken to, upon learning that we would be closing on a home, went into our Loan Depot file and changed the loan XXXX from XXXX XXXX to herself. XXXX XXXX can confirm this and XXXX XXXX does not deny it. She did this without our permission. 

XXXX. When I complained about this, Loan Depot did not close on time, and they asked me to pay a new fee just days before closing. I believe both of these steps were in direct response to my complaints about XXXX XXXX 's behavior, which I believe was unprofessional and unethical. I further find it unacceptable that Loan Depot could not close on time. I provided them all the information requested several weeks in advance. On the day of closing, they requested several new items ( some that they already had ) and make spurious arguments, asking for information that they did not need. I believe they asked for these to attempt to justify their inability to close on time and attempt to reframe the narrative as someone else 's fault. 

It's not clear if this was willful retribution for my criticism, or simple incompetence. In either case, the delayed closing had significant XXXX and XXXX order effects. I had to take 4 days off of work, waiting in front of my computer all day, for LoanDepot to respond to me and let me know if they needed anything else to close. This hurt my professional reputation and has caused me several issues with my supervisor in the federal government. Loan Depot made requests at XXXX on multiple days in a row, and then left for the day, ensuring no progress could not be made on that day and starting the same game the next day. 

I had to negotiate with the seller to avoid losing the deal, and my due diligence money. I had to rearrange appliance deliveries. I had tenants who had planned to move in. I had to change dates for improvements to the property ( installing a fence ). Loan Depot at no point expressed even a little bit of concern for the chaos their delays were causing. I can't believe the loan officers I dealt with are licensed professionals. I would like the CFPB to bring both the company and individuals involved and this complaint to the attention of the appropriate licensing authorities.
Product: Debt collection

I am writing to bring to your attention a matter of concern regarding a collection company that has not responded to a verification letter regarding an account that is being reported on my credit report. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I sent a written request for verification of the debt to the collection company in question. However, it has been several weeks, and I have not received a response from them. The account in question has been appearing on my credit report, which is causing me great concern. 

I believe that this collection company is violating my rights under the FDCPA by not responding to my request for verification. I understand that it is my right to request verification of any debt that is being collected from me, and failure to respond to this request is a violation of my rights as a consumer.

I would appreciate it if the Consumer Data Protection Bureau could look into this matter and take appropriate action to ensure that my rights are protected under the FDCPA. I believe that it is essential to hold collection companies accountable for their actions, and I hope that you can assist me in this matter. 

Thank you for your attention to this matter.