23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Since before XXXX I have told XXXX Mortgage that XXXX  advised me that my sister XXXX XXXX XXXX did not pass the trial period on the alleged HAMP Modification done in XXXX that both XXXX  and Rushmore Loan Management Services on trying to force me to pay on. I asked Rushmore Loan Management Services to send me the payment history on the loan and they sent me the payment history that is attached from XXXX XXXX. While carefully reviewing it and comparing it to some of the original statements that I had from the original servicers many of the figures did not match. I emailed and called Rushmore requesting original statements and/or payment history from XXXX and XXXX. I have not received them yet. I called Rushmore this week and they stated that they have not received them yet and that they were still investigating. I also requested a modification document signed by XXXX XXXX ( by deceased XXXX brother ) who's name the servicers have on the alleged modification, I have not received it yet. In the meantime on XX/XX/XXXX I received certified mail at XXXXXXXX XXXX XXXX XXXX from Rushmore Loan Management Service for Intent to Foreclose. Rushmore has not yet corrected my name from a successor of interest to a borrower ( which I am ) even though I gave them the contact information that XXXX XXXX gave me to give to Rushmore, plus Rushmore has documents from XXXX to verify that I am a borrower. Also on XX/XX/XXXX I spoke with my sister XXXX XXXX XXXX who confirmed that she never paid any of the payments on the HAMP Modification because XXXX  never sent her the information where to send the payment to. She also stated that she received a letter stating that she no longer qualified for the modification because she did not pass the trail period. However, on this payment history that Rushmore sent me from XXXX is stating that my sister paid payments starting with XX/XX/XXXX. This is falsified information. She stated that she sent a check for over {$5000.00} later that was sent back to her. You will see a copy of it. Rushmore has been refusing to respond to any of my compliants stating that it is because of previous issue or pending litigation. They know that I have not been able to obtain an attorney yet and trying to push the foreclosure on a HAMP Modification that never passed the probation period. Also they are refusing to correct the loan, my name as a borrower and refusing assistance from me. All of this is illegal and I don't understand how they can deprived me of my rights as a borrower and not see the negligence involved in the handling for my deceased father 's loan.
Product: Debt collection

I sent a Cease and Desist Letter in XX/XX/year>. They responded after the 30days in XX/XX/year> with copies of papers that's not showing my wet signature on a contract. This is affecting my credit and I want it resolved and removed. They also have been calling my phone number every day!.
Product: Student loan

When my X husband and I married we got this cute postcard encouraging us to consolidate our student loans together since we are married now. Lower payment made sense. Never thought we would get divorced. We did. There is no way to separate the loan. Even just down the middle. My X and I are connected by this loan for the rest of our lives. He does not care about his credit or what he owes. Also, he does not care about mine either. I can not afford to pay this on my owe. He is responsible for the full Loan as per our Divorce agreement signed by a Judge. However, XXXX XXXX ( Navient ) does not recognize that and does not care. I am not trying NOT to pay back my loan. BUT I do n't understand how they can have a program that combines married couples loans but no program for couple divorcing when the divorce rate is about 50 % in this country. ALSO. They have no account representatives. So every time you call you have to explain the situation over and over. It 's a wild goose cash. Also, the customer service people are not in America. They are hard to understand. I been disconnected more times then I can count. This company is the Devil. We are not elgible for our rates to be Lowered ..becasue it 's not Federal anymore. But we they are able to tarnish my credit affecting everything I do. I 'm a single parent and I owe my home. I work XXXX jobs. They do not care about repayment. THEY want you to build up the interest. They encourage deferment.
Product: Credit card

I originally had Kohls charge card from a couple years ago. I did not use it for some time ( like a year I think ). Kohls closed my account without my knowledge. 
OnXX/XX/2024 I made XXXX purchases online, XXXX for {$140.00}, and XXXX for XXXX. 
Because my old account was closed, the website auto-generated me a new acct number and card number, which I was not informed of. I still thought I was using old account. Later, they claimed I was supposed to receive a new card but they never sent it. On XX/XX/2024 I made an in store purchase of {$90.00}. I gave them my name, drivers license, and social security number and they put it on the newly generated account # ( for the card I didnt have. See it supports I dont have card because I had to give them all this info. ) Since then I have received multiple paper bills about the debt. I have gone online and on the phone to try to pay the bills. At least XXXX times over last few months. Here is the problem ; MY NAME AND PHONE NUMBER IN THEIR BILL PAY SYSTEM IS STILL TIED TO THE OLD ACCOUNT WHICH THEY CLOSED WITHOUT TELLING ME. 
THE CHARGES ARE ON A NEW CARD I NEVER RECEIVED. 


When I call on the phone I give them my name, address, phone number etc, and every time they say : You have no bill to pay. Our records say you have no debt and your account is closed. 
I tell them I keep getting bills and they ask for the card number. I dont have card number bc I never received it. I TELL THEM I HAVE THE NEW ACCOUNT NUMBER ON THE PAPER BILL. The phone representatives always say they can not access via account number. They can only use name, address, social security ( which always comes up tied to old account and {$0.00} owed. ) So I decided to try to pay online. Same issue. To access the system you MUST enter card number ( which I never received ). 
I have tried to contact them every way I can and pay the bill but there is no way to do so in their system. 

KOHLS REPORTED ME FOR NON-PAYMENT. Now I have debt collectors calling me day and night from all sorts of random phone numbers to get money. But they never call from Kohls. Their numbers always come up on my phone as scam likely or hidden number and they tell me to just give them my social security number and bank account number and they will transfer money to kohls from my account. Im not giving my info to some random person on the phone claiming to work for debt company but can not even provide accurate info. Thats how people get identity thefted. 

I have called kohls many times in last XXXX months, with my paper bill in my hand, reading them the bill info, and they still say there is now way to help me without card number, even if I have account number. I have dealing with this for months. 

Please Help.
Product: Checking or savings account

First of XXXX Chase Bank and JPMorgan decided they no longer wanted to do business with me. Which is fine, except now they believe its ok to bombard me with emails I cant respond to, as well as keep money that doesnt belong to them. XX/XX/XXXXXXXX XXXX was transferred from an external account to checking account ending in XXXX at Chase bank. All I get is their incompetent pions telling me they cant access my account, that they would transfer. Being transferred and lied about where my money is. As of this day, NOTHING. On this same day, investment account I had with JPMorgan ( These matters are one and the same ) was also closed. 
I had no way to access my funds, nor my account paperwork each and every time Id get a message. I still have {$2.00} in my investment account that Ive not seen. These accounts were supposed to be closed. So if thats the case wheres my money?? Im growing very fed up with this institution. Something needs to be done about them.
Product: Student loan

Hello, I tried to send payments to Aidvantage but most were rejected. The XXXX XXXX payment was accepted but the {$37000.00}, {$62000.00}, and the {$74000.00} payments were rejected. All payments were made from the same account. There is sufficient money for all withdrawals and there is no maximum withdrawal from XXXX. Aidvantage claims that the rejected payments were due to them coming from a non-active account but how could it be non-active if they were able to accept the {$7000.00} payment from the same account. Its clear that Aidvantage is illegally attempting to delay payments in order to gain interest on my student loans.
Product: Debt collection

I believe the so-called company " XXXX , Inc. '' Is fraudulent and I fear that my identity, finances and credit are at stake! 

I received a letter in the mail that stated that my account number has been turned over to " XXXX, Inc. '' for collection. This letter was asking me too forward payment in full or to call the office to arrange payment terms. It also stated that they report to XXXX and XXXX and that it is in my best interest to pay the money or contact them. The end of the letter was signed " Sincerely, XXXX '' Additional comments at bottom of letter : " Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this. Or any portion thereof, this office will assume this that is valid. If you notify this office in writing within 30 days from receiving this notice that the debt, or any portion thereof, is disputed, this office will obtain verification of the debt or a copy of a judgment against you, & a copy of such verification or judgment will be mailed to you. Upon your written request within the 30 day period, this office will provide you with the name and address of the original creditor, if different from the current creditor. 
This is an attempt to collect a debt. Any information obtained will be used for that purpose. 
This communication is from a debt collector. '' I believe that this is a fraudulent company whom is attempting to steal money from me and possibly steal my identity. When I contacted the number to inform them that any or all of my medical debt has been paid in full, they were rude, demanding and very unhelpful unless I exposed personal and/or important information about myself. They refused to discuss the matter any further until I gave them my birthday, social security number and other information that I am NOT comfortable giving over the phone. When I research the company online through the XXXX there were endless complaints about this company being fraudulent and harassing other people around the United States!
Product: Credit reporting or other personal consumer reports

I noticed unauthorized and fraudulent credit inquiries made by the following companies : # XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give Experian, written permission or my consent to furnish this information onto my credit report or consumer credit file. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX Account Number : XXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the account, so that i may follow up. This account is repeatedly reporting C/O every month, every time my account updates the statue of limitations is extended making the account look newer than it is. Reengaging the account is illegal. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1635 ) 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information Please send an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations inqurires XXXX  XXXX XXXX. {$4700.00} {$2600.00} XXXX inquires all besides above XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am filing an urgent complaint against XXXX XXXX for their clear disregard of the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The presence of this erroneous account has severely impacted my credit score and financial well-being. As a result, I have faced significant difficulties, including the denial of credit applications, higher interest rates, and undue stress. The failure of XXXX XXXX to accurately report and verify the information has caused substantial harm to my financial standing. XXXX XXXX XXXX XXXX XXXX : {$98000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the emergency room ( hospital in 2016 in the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ) I had XXXX XXXX XXXX. I missed payments these 3 months. Once I had a chance and out of the hospital I caught up on all the payments. Now I have 12 missed payments on my credit report, I think this is hardship and they should be removed. I was in the hospital XXXX XXXX. PLEASE HELP AND REMOVE THE MISSED PAYMENTS FROM MY CREDIT REPORT. THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX
Product: Credit card

Someone unbeknownst to me submitted an application for a Capital One card. Evidently it was sent out, although it was not received by me, and someone used it. I reported the fraud as soon as I received information that the card was issued and in use and told them to cancel the card immediately. Unfortunately they did not, claiming that someone called afterwards claiming to be me and they kept the card open, permitting someone to charge an additional {$700.00}, and after a XXXX call, the card was closed. However, Capital One decided that I am responsible even though I repeatedly told them that I did not request, receive or use the card. Calls were not returned, dunning calls are constant, and they keep sending statements. I contacted an attorney who sent a letter, and they completely ignored it, admitting that they have no application proving I requested the card, yet keep insisting that I pay the balance that keeps increasing each month. I have placed a complaint with the FTC as well, but they said that they do n't do anything for me. My phone number has been spoofed and seems to be used for robocalls as well as trying to get credit cards ( Capital One states that they know that the calls came from our home phone even though they ca n't send me proof, and even if they had it what would it prove since I have put in complaints to XXXX? ). XXXX had called prior to Capital One asking if I had requested a card or was it fraud - not sure why, but I told them that I did not ask for nor did I want a XXXX XXXX, and none was issued. Please understand that I have XXXX and ask my wife to take care of all matters pertaining to this. I do not go shopping and can no longer XXXX. I have enough health issues without this being added on top of everything else.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a notification from my XXXX XXXX with Comenity Bank. I have the card since XX/XX/XXXX and have recently made limited purchases due to the pandemic. 

In fact, I have made limited purchases with all my store cards due to the pandemic. 

They advised they closed my card due to negative item on my XXXX  Credit report. 

As mentioned, I have not made any recent purchases and the latest thing I did was refinance my home to get a lower monthly payment and interest rate in XX/XX/XXXX. 

My chapter XXXX is 6 years old from XX/XX/XXXX. There are no late payments all bills have been paid on time during this pandemic. Closing of accounts that have been opened for some time have a negative effect on the Credit Reports. I do not believe it is fair to close accounts based on old data when I have consistently paid all my bills on time and there are no late payments or anything negative on my account since the XX/XX/XXXX Chapter XXXX filing. 

This is a violation of my rights under FCRA and TILA. Companies should not be doing this in the middle of a pandemic negatively affecting the credit of consumers that have responsibly paid and struggled to maintain their creditworthiness during XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/21, my daughters found the website XXXX XXXX XXXX which advertises puppy dogs. They contacted the site and they began the process of the purchasing one without my knowledge or consent ( my girls are ages XXXX and XXXX ). The gentleman, XXXX XXXX, asked them to XXXX a one time fee of {$490.00} for faster service which they did. Later, I found out about the transaction and tried to take action but it was too late. I tried to exchange emails with XXXX XXXX but he kept telling me to sign the purchase form and the puppy would be shipped out. I later found out, from XXXX, that this is indeed a scam website being hosted by the domain XXXX. My wife and I immediately filed a complaint with XXXX and opened a fraud investigation with Bank of America. Bank of America eventually closed the fraud claim because they said the purchase was done using my phone device so threfore no fraud had occured. They encouraged me to instead open a scam claim and to also file a police report. On XX/XX/21, I re-opened the claim with Bank of America ( this time for scam/theft by trickery ) and filed a police report with my local station ( Police # XXXX ). When I called BofA today, XX/XX/21, to follow up on my claim status, they told me it was denied again because they are NOT responsible for any XXXX related issues. I have been a loyal customer with BofA for 21 years and I am completely devastated by their decision and the fact that they kept me hanging by a thread for more than a month asking me to do 100 different things. I am requesting a good faith refund for this incident and for XXXX XXXX or his financial institution to be held accountable. 

XXXX XXXX XXXX payment : email XXXX Correspondence/trickery email : XXXX XXXX
Product: Credit card or prepaid card

There are unauthorized transactions that were made on my credit card and I attempted to dispute them with customer service and they were not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an electronic error when paying on-line ; I have 2 rental properties through Provident Funding and have my entire life paid on time and NEVER been late in 40 years. 
In XX/XX/2019 I loaded Bill Pay and thought everything was handled. At the end following month when paying bills I had a mail notice from Provident Funding of XXXX payments not being made and delinquent. I immediately picked up the phone and made payments plus penalty. I was informed due to it being more than 30 days past due it was already reported to the credit agencies. The Provident supervisor recognized that I have NEVER been late and said there was nothing they could do and apologized. 
My credit score went from XXXX  to the mid 600 's. I feel this unfairly hurts my ability to obtain lowest interest rates. 
Provident Funding had my home phone number which has not been in use for several years ( These properties have been with Provident for 13 years ). We did correct and change to my current phone number. 
What I believe must have caused this was simply that I did not hit " send '' after completing my Bill Pay. 
The amounts were as follows : First property {$760.00} plus late fee = {$790.00} Second Property {$1000.00} plus late fee = $ XXXX I contacted Provident Funding the day XXXX opened the mail - Thinking it was the standard payment statement but found it was a late notice and immediately called and handled the issue - the same day. 
I am looking for any help you may be able to provide in correct this so my credit score will reflect my 40 years of great history. 
I worked with Provident Funding XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

This person found me on a dating site in XXXX of XXXX and faked his identity. His name is either XXXX XXXX or XXXX XXXX, XXXX XXXX XXXX, from XXXX, XXXX but said he was a white male, XXXX XXXX XXXX from XXXX, TX. He also sent me many fake photos and even a fake photo of his " XXXX XXXX XXXX  We became close over many months and he started asking me for money for " job related needs '' as well as money for his XXXX XXXX XXXX XXXX He took advantage of my kindness and played off my empathy. I sent him money in the form of gift cards and XXXX. The whole time he was giving me promises that he would pay me back while telling me how much he cared for me and how he would never hurt me. He also told me several times he wanted to meet me and would even send me addresses of where to meet him and then never show up. He used me, manipulated me, and abused me mentally, financially and emotionally. 

( Please see attached letter for more info )
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit report, I noticed a few inquiries that I neverauthorized. I have heard of companys pulling your credit without permission and Iknow that it is not allowed. Please remove the following unauthorized inquiryEquifax, XXXX, and XXXX, of the removal of these fraudulent inquiriestoensure theaccuracy of my credit file. I am also seeking written confirmation of theinvestigation results and any actions taken to rectify this matter. According totheFCRA, you areobligated to provide me with a written response within XXXX  daysofreceiving thisdispute letter, as specified in Section 611 ( a ) ( 1 ) ( A ). Please beadvisedthat any failureto comply with the FCRA 's provisions may result in legal actionandreporting of yournon-compliance to the appropriate regulatory authorities.