23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan servicer, Loan Depot, is trying to take advantage of my situation as I try to resume payments following a COVID forbearance. My forbearance period ended on XX/XX/XXXX with about 12 months of past due mortgage payments. I indicated to the servicer that I was ready to resume my normal payment but needed an alternative to paying back the past due amount as a lump sum. I contacted them in XXXX several times and they finally initiated a loss mitigation review on XX/XX/XXXX. 

At that time, the XXXX  was still offering the XXXX  XXXX XXXX XXXX ( XXXX  ) until XX/XX/XXXX. My account was not considered for this loss mitigation method. Instead, underwriters at Loan Depot sat on my package for nearly XXXX months. On XX/XX/XXXX, I finally received an offer to resume payments. 

That offer came in the form of a terribly worded Trail Payment Plan letter where I saw that my payments would be increasing by over {$500.00} per month. There was no financial justification provided in this letter for the increase in payment amount, nor any details of the loss mitigation method that was selected. 

I had to call the company several times to basically pull the information I was looking for from them. I am being told that these trial payments are because they are proposing a loan modification where they will increase my interest rate and add my past due amount to the principal balance. 

I was told that the last date to apply for the XXXX  program at Loan Depot was actually XX/XX/XXXX. This internal deadline was never communicated to be prior to XX/XX/XXXX or I would have considered applying earlier. 

I am very frustrated at the misleading language of their trial period plan letter and the fact that they did not consider me for a VA program which I was eligible for, interested in, and would have been in my best interest. 

Additionally, the XXXX  informed me that they still have a COVID Refund Modification program available until XX/XX/XXXX. This is yet another program that would be in my best interest that Loan Depot hasnt considered for me. 

They threaten forbearance and use scare tactics to try and bully customers out of forbearance. They dont consider us for programs upon which we are eligible. And when they do make a loan modification offer, they are cryptic and withhold critical information such as interest rate changes.
Product: Credit card or prepaid card

On XX/XX/2021 an unauthorized atm with draw for {$900.00} was made to my account. That same day I filed a claims with the dispute department. I got a letter ( attachment a ) in response to my claim. On XX/XX/2021 I called and asked for them to re open my claim. Than I got a letter in the mail ( attachment b ). I have not been credited the amount stole from my account.
Product: Credit reporting or other personal consumer reports

none of these companies possess a copy of my identification, nor have they acknowledged receiving one to the best of my knowledge. It raises a significant concern that these accounts were furnished without proper verification of the account holder 's identity. I did not personally initiate the opening of any of these accounts in a branch or elsewhere. Whatever form of identification was submitted in relation to these accounts does not accurately represent my identity. I am left wondering why these discrepancies are being associated with my name and affecting my credit profile. 

the accounts in question are as follows THESE WERE ALL FRAUDULANTLY OPENED ACCOUNTS AND I NEED THE INFORMATION I REQUESTED WHICH IS REQUIRED BY LAW MY IDENTIFICATION MY SIGNATURE SENDING ME A ACCOUNT WHICH WAS FRAUDULANTLY OPENED AND SAYING IT WAS MAKIGN PAYMENTS DOESNT PROVE LEGITAMACY IF THEY MY IDENTITY WAS STOLEN/ COMPROMISED THIS IS OBVIOUSLY SMOEONE PRETENDING TO BE ME XXXX. XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$4700.00} XXXX. XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX Account number Date opened XX/XX/XXXX I am writing to express my deep concern regarding the investigation conducted by your agency, as well as the ongoing issue with certain accounts on my credit report. 

At the time these accounts were opened, it is my understanding that my identification was not provided, and there was no evidence of my signature or consent to open these accounts. To clarify, my uncle XXXX XXXX had opened these accounts in my name without my consent. Regrettably, upon his passing, I have discovered that my identity was compromised, and he had been using my name for various financial services, including cable, bank, and credit card accounts, as well as cell phone services. This revelation has shed light on why these accounts have been maintained under my name, even though I had no involvement in their establishment. 

I would like to emphasize that I was unable to engage in any financial transactions or manage such accounts between XXXX and XXXX, due to personal circumstances that I would rather not discuss in detail. but for the important part i was not in the country Your attention to this matter is greatly appreciated, and I look forward to a swift resolution.
Product: Credit card or prepaid card

In XXXX a fraudulent checking account was opened in my maiden name. I contacted capital one for assistance and the rep was very rude and would not help me. I went online and wrote a review on XXXX and someone called me back and closed the account. A few weeks later, my online account access was suspended. I have spend at least 12 hours of my life on the phone with capital one and they just pass me off to other departments with no one able to help me. They say they can not take payments over the phone due to some sort of internal error on my account. They had to start resending me paper statements and I had to order checks to pay them now since no one can seem to figure out why my online access is suspended. Again today I was bounced from department to department given different information each time by each rep and I still can not log in. All I want to do is be able to sign into my account and pay my bills.
Product: Vehicle loan or lease

the company claims that they have charger off the account as of XXXX they claim that the account was passed due the account was on auto pay i have talked to multiple agents from the account and they give me different stories i have seen that XXXX  has been in the news lately due to things like this I have also reported them to my state attorney general. i have tried to contact a manager in the company and they have never responded. I understand that the company is in the middle of a bankruptcy. but it is not right that they treat they customers like that i have not been able to get a true story with any proof of anything. they claim they charge off my account.
Product: Debt collection

I was in the process of disputing an incorrect balance, {$400.00} with XXXX due to them misplacing equipment that was turned in after I canceled service with them. In the process I was turned over a collection company, Enhanced Recovery Company ( ERC ) and they placed the account with all XXXX credit bureaus. After tracking down the equipment, my balance was corrected, {$110.00} and paid in full. XXXX was suppose to send me a letter/statement as proof of the balance of my final bill and paid in full status so I can send to the Credit Bureaus and ERC to have this account removed/deleted entirely from my credit report but I have not yet received it. However, the balance has been updated with the XXXX credit bureaus as {$0.00} but it should not even be on any of my XXXX credit reports. If you would so kindly assist in this matter. It is negatively affecting my credit scores greatly. Payment confirmation number is XXXX paid with XXXX Rep. XXXX. Thank you
Product: Mortgage

I am having a very difficult time with BSI Financial Services. I have a VA loan from being a Veteran with the XXXX XXXX. I am a XXXX veteran. I lost my job right before the COVID 19 pandemic. During the pandemic BSI told me they could help with a forbearance. Now that the pandemic is ending and me and my family are recovering from the COVID pandemic we applied for a loan modification. We were declined stating we didnt make 12 consecutive payments. BSI never mentioned this to us and has put us in a foreclosure situation. They are acting like predatory lenders, and not being honest. 

I spoke to XXXX XXXX at BSI and she said she would request a over rule. The underwriter declined with BSI again. BUT I spoke to the VA Department with XXXX XXXX, she said the VA would over ride the rule if requested. But the underwriter with BSI never contacted or requested. The VA loan # is XXXX. XXXX XXXX phone # is XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX I was browsing on XXXX to inquire about a new cell phone and plan. During this process I added a new phone to my cart but never checked out at which time google pulled my credit without authorization and without notification though it clearly stated in their terms and conditions it clearly stated a credit check would not be pulled until the time of checkout ( which never occurred ) After speaking to XXXX they stated they were not able to remove the inquiry and installment loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4500.00} ; XXXX  XXXX Balance : {$79.00} ; MEDICAL XXXX Balance : {$170.00} ; MEDICAL XXXX Balance : {$89.00} ; MEDICAL XXXX Balance : {$50.00} ; XXXX XXXX Balance : {$74.00}.
Product: Credit reporting or other personal consumer reports

Violation of Consumer Rights under 15 U.S. Code 1681c-2 I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding the reporting of an account on my credit report that has been formally reported as an incident of identity theft. As a consumer, I believe that my rights, as outlined in 15 U.S. Code 1681c-2, are being violated, and I am seeking your prompt assistance in resolving this matter.

Details of the affected accounts : ACCOUNTS WILL BE ATTATCHED BELOW I have previously submitted a detailed report of identity theft, along with supporting documentation, Despite this, I have observed that the information related to the fraudulent account is still being reported on my credit file.

Section 1681c-2 of the Fair Credit Reporting Act explicitly outlines the rights of consumers in cases of identity theft, emphasizing the obligation of credit reporting agencies to block the reporting of information resulting from identity theft. It is my understanding that credit reporting agencies are required to promptly block the reporting of inaccurate information resulting from identity theft.

I am deeply concerned that the continued reporting of this fraudulent account is not only damaging my credit standing but also infringing upon my rights as a consumer. I am seeking immediate action to rectify this situation and bring my credit report into compliance with the provisions of the law.

I kindly request that you guys conduct a thorough investigation into this matter and take immediate steps to block the reporting of the fraudulent account on my credit report. 
I trust that you will prioritize this matter and work diligently to rectify the violation of my consumer rights. 
Thank you for your prompt attention to this serious issue.
Product: Vehicle loan or lease

I have an auto loan with BMW USA. The send is through something called Alphera Financial Services. I urgently need a payoff quote so that I can pay the loan off and sell the car. The website has been down for days, I can not log into my account, and the telephone customer service number says that they are down for an unforeseen reason. So basically BMW, USA and its financing arm or both gone dark. I urgently need resolution to this, but can not contact anyone at either BMW USA or Alphera.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXXXXXX 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 XXXXXXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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 REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

This complaint is related to the Wells Fargo settlement for XXXX. I had a primary mortgage with Wells Fargo from XXXX to XXXX. After the HARP program was initiated I called Wells Fargo mortgage to ask about applying for a HARP mortgage modification around late XXXX or early XXXX since I was experiencing financial difficulty due to the economy. The person I talked to said I would not qualify unless I came up with over {$40000.00} to be eligible for the HARP program. I don't believe that was correct and that I should have been approved for a mortgage modification. I believe that Wells Fargo was unwilling to give me a modification and would have preferred me to default on the mortgage because it would have been more profitable for them. At the time, my mortgage rate was % XXXX. I was never able to get a mortgage modification despite several attempts with Wells Fargo. During the entire time I had a mortgage with Wells Fargo I also had a checking account with Wells Fargo, which I'm unsure if I was changed any erroneous fees or had accounts opened in my name without my knowledge or approval. I believe I am entitled to file a claim since I have not received any correspondence from Wells Fargo or any payment.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and address I do not recognize are continued here. 
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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

Direct express will not send me my replacement card my first card expired I have made several phone calls to their office Social Security administration has repeatedly informed them of my new mailing address they still have not sent me my card I am hung up on frequently when I call the office I have been told by their workers that my address was not changed but it has been three or four times by Social Security because they did not send me my card I was evicted. My daughter and I are in a homeless shelter. They will still not send me my card.
Product: Checking or savings account

I filed a claim with Bank of America as someone has withdrawn a large amount from my savings account without my consent. They came to a resolution and withdrew the credit to my account. They are not able to provide information as how the back office came to this conclusion. I demand that this is further looked into and investigated properly, as this is a violation of my financial welfare as this is a company that I had trusted with my life savings.
Product: Credit card or prepaid card

On behalf of XXXX XXXX XXXX XXXX, I have held a XXXX XXXX XXXX, which was backed by XXXX XXXX  for years, and with NO problems. However, approximately a year ago, I received physical and electronic communications that the XXXX XXXX card was sold to XXXX by Goldman Sachs and my credit card would be on the way. I have received a letter purporting that a security code can be utilized to set up and manage my account online. To date, the attempts to do such have been unsuccessful. Password resets are NEVER sent. Today, I was told via XXXX by " XXXX XXXX '' that the call center representatives are not allowed to provide their last name, representative ID, or city in which they are working and can not transfer my call to technical support - we must wait to be contacted - in order to rectify the asinine web of meanders that the website continues to take me through. This behavior is deplorable and mind-blowing as this is NOT the reputation that one would want to develop as a new car issuer. This seems to be a chronic issue as per this : https : //www.consumeraffairs.com/finance/marcus-by-goldman-sachs.html and that : https : XXXX. In addition to this, there is a personal guarantee on this business card, so I am concerned as to who has access to it, since I do not and " Marcus '' are being strategically difficult in allowing me to control my account.
Product: Debt collection

My personal information was exposed in several major data breaches, including XXXX and XXXX data breaches. There is a now an unverified, inaccurate and false collections debt listed on my three credit reports that does not belong to me. Bay Area Credit Services sent me a collections letter in early XX/XX/2022 regarding a {$320.00} debt with XXXX ( XXXX XXXX XXXX  ). Within 30 days, I immediately responded and wrote a letter to Bay Area Credit Services on XX/XX/2022, via certified mail with delivery confirmation, disputing the validity of this debt and demanding verification as required by law. Instead of complying with the Fair Credit Reporting Act and providing documentation as required, Bay Area Credit Services illegally reported the unverified and fraudulent account to the three credit bureaus without investigation or verification documents. I am demanding removal of all inaccurate information from my credit reports, specifically the unverified Bay Area Credit Services collection account in the amount of {$320.00}. As they are aware, I have filed a police report and identity theft report with the Federal Trade Commission and provided copies of the report to Bay Area Credit Service, XXXX, XXXX and XXXX. As required by law, the unverified and inaccurate account should be removed from my credit reports.
Product: Debt collection

I feel like I'm being taken advantage of being ignored of my disputes. XXXX explicitly states that failure to review an item within 30 days will result in its immediate removal from my credit record. Since more than 60 days have passed, these entries must be deleted immediately. I demand the quick deletion of these accounts, or I will sue you for the stress you have given me. 

XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX
Product: Bank account or service

I process credit cards through XXXX 's club merchant services. I notices that my deposits we not matching in my bank account. I called more than 9 times speaking with different people. Merchant services informed me that my tax information did not match. I disagreed with this information. The government does not require you to have a EIN number. You can use your social security number as your EIN number. This is what I did. My business entity is registered under my name and doing business as XXXX They sent me to business checks to verify this information. It was a match and had never change. For thee months they took regular credit card fees and an additional 32 % from my bank deposit with out any notice. No reflection was made on the end of the month statement. So the only way I knew was by calling merchant services. I was told that I would not get my funds back except by income tax. This caused a hardship on my business and I have a copy of the results from the IRSthat my information matched
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX Baalnce : {$0.00} XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XX/XX/XXXXXXXX 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