23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

FREEDOM MORTGAGE I called to inquire about CARES ACT options because my salon was mandated to close by state. I spoke to someone about my options and did not hear the options offered in the CARES act. I did not agree to any options that where offered by Freedom Mortgage at that point the representative told me to call the FHA. I called the FHA and they are looking into servicers that arent offering options. I have not made any changes to my loan payments because of COVID i have NO plans of agreeing to change to Freedoms Forbearance. I was never contacted by XXXX teller number XXXX.I will be contacting RESP as well as making a complaint to sml.texas.gov. I was also informed in paperwork that let me know i was illegally put on a program i did not agree to that my credit will be impacted.I have Never signed documentation Never verbally agreed to a Forbearance Plan Terms. I make my payments online and now am locked out of my account to my payments and a message says contact loss mitigation. I need this rectified immediately. It was fraud to put me on this plan. I never sent documentation I asked questions and learned they where not following CARES. The FREEDOM MORTGAGE servicer said call FHA. This is fraud! I had questions now I'm recieving paperwork about a plan that I'm not agreeing to. 

XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX and XX/XX/XXXX I received notification from XX/XX/XXXX that XXXX XXXX XXXX XXXX had placed a collection on my account for a previously disputed amount of {$830.00}. Not only did I clear this matter with the original debtor XXXX, but gave notification to XXXX XXXX XXXX in XX/XX/XXXX via phone call that this was a fraudulent debt. Also, the debtor received a letter of clearance from the outsourced debtor ( XXXX ) absolving me from any further liability. When I have attempted to contact XXXX XXXX XXXX XXXX, they no longer are taking any phone calls and are not able to be easily reached.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report I am dnotieced there are several accounts that are not mine. I do not recognize the accounts listed below. 


XXXX XXXX XXXX  Account number-XXXX XXXXXXXX XXXX XXXX Account Number-XXXX XXXX XXXX- Account nUmber- XXXX
Product: Mortgage

i am trying to get a loan modification from abnk of america, and the keep asking me to send them more paper work, and more paperwork..My name is XXXX and XXXX XXXX XXXX, and my loan # XXXX
Product: Mortgage

I experienced a change in employment circumstances and am earning less than I have in the past. In response to this change, we applied for a HAMP Modification through our mortgage servicer - OCWEN - on XXXX/XXXX/2015. We took this step because we know that our new gross monthly household income puts our monthly mortgage payment at more than XXXX % of our monthly take. 

After applying, OCWEN requested additional documents every 2 weeks or so. On several occasions, the request was for documents that had already been submitted previously. This morning, some 10 weeks after our application, OCWEN denied our request for a HAMP Modification, saying that our mortgage payment was already less than XXXX % of our gross monthly household income, and thus we do n't qualify for the program under Federal Guidelines. 

This is not the case. 

When I pressed the representative for OCWEN on what numbers they used to determine our eligibility, he told me that they calculated our monthly gross household income at {$XXXX}. We have never made this much money. 

In our application, we provided details and documentation for our gross monthly household income of {$XXXX}. Our actual income is somewhat less than this ( details provided in the documentation attached ). 

It is our contention that OCWEN is employing stalling tactics - asking for duplicate documentation, taking excessive time to process submissions - and later using fictitious figures for calculating gross monthly household income with the purpose of denying a HAMP application and charging late charges and property inspection fees in the interim. 

The result is that we have been charged hundreds extra in fees, and are now closer to foreclosure with a reduced ability to cure the default by alternate means ( i.e. a forbearance repayment plan ). 

We understand that in a foreclosure scenario, OCWEN would have a claim against the proceeds of an auction sale for any amounts owed in fees, and that this is what animates their engaging in stalling tactics and fraudulent denial of our HAMP Modification application.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX NXXXX XXXX XXXX XXXX XXXX SCXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX  Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns regarding XXXX 's handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was on feasible. CFPB 's findings indicated that XXXX has not only been neglected to protect consumers but I have also allow repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early in the morning on XX/XX/2019 my phone was left in an XXXX after a trip. Because I do not have a phone, I am unable to log into the app to connect with the driver myself, due to the 2 step verification a text must be sent to my phone in order to access the account. As a result, it is impossible for me to access any information about the trip. When contacting XXXX, they have hung up on me and refused to help me. They keep directing me to automated services who proceed to ignore me.
Product: Debt collection

Collection Account was added to my credit report and I have not received any writtten notification, which violates my right to dispute and request debt be validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Removal of TRANSUNION EXTENDED FRAUD ALERT : TransUnion : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX
Product: Debt collection

When I filed a dispute for Midland Funding to verify the debt date and amount they are now reporting the wrong balance. Orginally debt was {$1800.00} they now are reporting it as {$30000.00} USD and still are trying to re-age the account date. They have called me several times telling me to be at my house with a picture ID so they can serve documents to me. Both times I told them I would be at home and they never showed up. I need this amount corrected asap as it is adversely affecting my credit or it needs to be deleted. I have disputed it but, still no response.
Product: Credit reporting

PayPal was supposed to remove an old account with them off my credit report. I now have a new account with them in good standing
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit inquiry is unauthorized and need to be removed immediately Onemain financial inquiry from XX/XX/2020 2020
Product: Debt collection

Rent Recovery Solutions Has not provided proof of the debt. They just marked another complaint I placed as a duplicate complaint. We have provided the proof that the debt is not valid and they have not disputed that proof or provided additional information. The company is knowingly bypassing federal laws and procedures in regard to debt collection. They have admitted that the original company did not provide any proof of their claims and that they were waiting for a response from them for over a month. I am again going to include the documents and letters I sent to them and am now requesting they prove to you that they investigated and responded to the request. Rent Recovery Solutions is Knowingly trying to collect a fraudulent debt and should be guilty of fraud. I am stating that this debt is not valid and that the charges being applied to my account are false. Please review the complaints I submitted and note that my secondary complaint that I submitted was not a duplicate as they claim and they have already admitted that they have not received proof to dispute my claims from the original " creditor ''. Rent recovery solutions was already notified in writing that they could only communicate with us using the USPS and contacted me through email this morning.
Product: Money transfer, virtual currency, or money service

I sent money to my husband who is XXXX  but has an ITIN number via Apple Cash. I have sent him money before with no issues. Today his account was restricted and had to verify his identity. Upon calling Apple Card support they inform me that he needs to upload a US government issued ID. The state of NC does not issue IDs to undocumented immigrants. They are able to obtain identification via the consulate office. The agent stated they are not able to use that ID and needs to be US government issued. When I questioned this she stated its listed on their terms and conditions and it in fact is. It says in order to create an Apple Cash Account and use the Services, you must : ( i ) be 18 years of age or older and a citizen or lawfully residing in one of the 50 states of the United States and the District of Columbia ( collectively, the U.S. ). Which seems unfair and unreasonable because in order for you to open an apple cash account you have to have a bank account to whom you give your identification information to. I feel like this is discriminatory and an inconvenience for undocumented immigrants who use apple products and spend so much money with Apple. In the end the representative was not able to help us and cancelled the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly remove the following items in my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I signed up to do a course with XXXX XXXX. After going through financial and emotional crisis I asked to cancel and they said I'd have the responsibility to pay XXXX plus dollars and they further lowered it down to XXXX payments of {$20.00}. And it would have taken care of my bill. Then a debt collector UsCB cooperation contacted me requesting I pay {$900.00} plus dollars and attached it to my credit report. 

I explained to the debt collector what happened and of current I am unemployed they said they'd investigate it. As far as I know I owe XXXX XXXX {$20.00}. Why can life be so unfair. I even told the debt collector they haven't even reached out to settle before attaching to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or Rescind.

Please delete these fraudulent items in my file : XXXX  XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to the company not once but twice with no resolution. Was informed they would get back to be with a set time frame and never did. Someone is using my information to acquire a loan fraudulently and they dont seem to be taking this seriously.
Product: Credit card or prepaid card

I opened a XXXX credit card account in XX/XX/XXXX. I purchased a few items. The dresser didn't work properly after the handyman put it together. I called XXXX and was told the seller didn't want it back that I should donate it or dispose of it. I didn't get taken off my credit. I called XXXX XXXX every month ( from XX/XX/XXXX to XX/XX/XXXX ) or more trying to resolve this. I decided to file a complaint with the bank managing my account ( Comenity Bank ). They told me they would have to add the dispute amount to my balance. Now I have 2 amounts not being refunded. The bank would not put the credit back in my account because I didn't return the items to XXXX. I have been charged interest and service fees for these amounts I should have been refunded too. I have uploaded my statements for your reference. Please let me know if you have questions. 

My XXXX XXXX card # XXXX
Product: Debt collection

According to XXXX  XXXX XXXX this credit card dept of {$140.00} is at a XXXX  balance but there for its still reporting as owe..thats again the law thats not accurate and this account is fraudulent see police report for more information..remove immediately
Product: Debt collection

ERS Collection Company called my employer and left a message on my work voice mail that the call was coming from a debt collector. Leaving such a message not only violates Federal Law, but puts my work status at risk. I have not received a notice of debt, nor have I had an opportunity to file a dispute. I don't know if this is a scam or a real debt. I called the company at ( XXXX ) XXXX and spoke with XXXX XXXX and XXXX XXXX to complain about the call. I played the recording for XXXX XXXX, but Mr. XXXX stated he would listen to his internal recording. I have saved a copy of the voice mail and will make it available if requested. 

Mr. XXXX put me on notice that the call to my office recorded. I am in California, which is a two party consent state and I did not consent to being recorded. The fact that my voice or message on my work voice mail was recorded without my permission should be illegal. a
Product: Money transfer, virtual currency, or money service

This concerns my attempt to help 2 of my friends cash their savings bonds. Their names are slightly incorrect on the bonds so their bank would not cash the bonds for them. I contacted the Dept. of Treasury ( DOTR ) and got the forms and instructions to resolve this situation. Their forms to use are FS Form 0385 and FS Form 1522. The process according to DOTR instructions is this : I fill out the appropriate form and take it to my bank or financial institution and they are to XXXX XXXX my signature ( verifying I am who I am with proper identification ). A notary stamp will not do. After that, my friends are to fill out their forms ( which I sign also ) stating that their names on the bonds are slightly incorrect and they are actually the person on the bonds. Interestingly enough, they do not have to have their signatures notarized or XXXX XXXX since the amount of their bonds are less than {$1000.00}. So the DOTR has this clear cut process whereby I am certifying who these people are so that these they can cash their bonds. However, my bank, Truist Bank, that has the XXXX XXXX, refuses to use it on my signature in compliance with the DOTR procedure. They refuse to do this because ( get this! ) they have not seen this process before so they won't look into it and do their required job. I have never seen this process before either but I took the time to it learn about it and follow the DOTR instructions to resolve this problem. The people at my Truist Bank XXXX location that refuse to help me are : XXXX XXXX, XXXX, XXXX ; and XXXX XXXX, XXXX, XXXX. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed inaccurate accounts on my credit reporting profile with Experian. 

I was recently involved in fraud where my name and social were compromised dealing with these accounts. I sent id verification over to the company per their request. To no avail, the disputed accounts were not resolved. these reporting parties do not have my authorization to report these accounts without my knowledge or consent. I have no contracts with the following companies as stated.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Personal Information : Employers : XXXX PLUS Employers : XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX  XXXX, CA XXXX : XXXX XXXX XXXX Former : XXXX XXXX Previous XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX Address ( es XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX CA XXXX Also Known As : XXXX, XXXX, XXXX Name : XXXX XXXX Name : XXXX XXXX XXXX
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX, I am writing this complaint, since Discover Financial Services, closed my account for no objective reason. I have never had a late payment with them. I always followed all the rules. I have been a Discover card customer for more than 1 year ( Since XXXX / XXXX XXXX, with an excellent payment history, and as a result, Discover has increased the credit limit 3 times ( Currently the limit is {$3000.00} XXXX. I started by having a {$500.00} card with them, then they evaluated my excellent payment history and offered me several times to increase my credit line. On XX/XX/XXXX they put my account on hold, and they asked me to send personal information about me from XXXX, when that account was opened in XX/XX/XXXX. I immediately sent the information they requested. On XX/XX/XXXX, I received a letter to my email, indicating that they closed my account immediately, with a fictitious reason. I have worked very hard to keep my credit always excellent. When I contacted them by phone, they did not treat me well, as I am XXXX and spoke in XXXX, I felt they discriminated against me because I do not speak much XXXX. I request all my account to be immediately reopened and the credit line restored. My account number is # XXXX. My phone number is XXXX XXXX XXXX XXXX, the email registered in my account XXXX Thank you!
Product: Credit reporting or other personal consumer reports

XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX XXXX THIS IS NOT ACCOUNT XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXXXXXX XXXX THIS IS NOT MY ACCOUNT I also want to address the charge-offs listed on my report. According to applicable laws, once a charge-off is declared, it can not legally be sold to a collection agency. Therefore, I request that any charge-offs be adjusted to reflect a zero balance. 

Furthermore, under the doctrine of estoppel by silence, as referenced in XXXX XXXX XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items due to the ongoing litigation.
Product: Checking or savings account

I purchased ticket insurance for an event and due to the death of a loved one I could longer attend the event, I uploaded a death certificate to the insurance company and they told me this wasnt sufficient evidence to get a refund so I tried for the past 3 weeks to file claims with my bank and they wont dispute the {$1100.00} for the ticket only the {$62.00} for the insurance I have tried uploading documents to Wells Fargo they denied my claim twice once over the course of a week I waited for a claims assistant to reach out to me for documentation as instructed nobody reached out just closed my claim, second time this past Monday XX/XX/year> I called finally got an email uploaded my documents and they closed the claim again before the documents even uploaded today on XX/XX/year> Wells Fargo told me they couldnt go after my money I feel betrayed I feel like my bank doesnt care about me as a customer I feel ripped off by the event holders and the insurance company the event takes place on XXXX I can not attend insurance is no help and the policy is only good until XX/XX/year> I need help please. This insurance company XXXX already has lawsuits against them I was unaware of until I was put in this debacle and my bank still says theres no recourse available to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate reporting has caused stress an anxiety the last 2 years fighting the Credit Bureaus of violations that they choose to ignore. Late, missed payments, each bureau reporting different payment history information has caused damaged to my life along with covid. I've received mail stating these accounts been verified and still today I have yet received my wet ink signature on none of these accounts. I inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. This is Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowningly transferred, possessed, or used, without lawful authority, means identification of me which is a felony. 
It so sad that you send documents in to the Bureau and they don't their job.