23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I contacted Mr. Cooper Mortgage two times to ask a question about my account. I was told that the Mortgage Servicing Department was very busy and that I would be called back. I never received a call back.
Product: Debt collection

I received a credit monitoring alert indicating that a collection had been placed on my credit report. Wakefield & Associates, ( XXXX ) XXXX, was listed as the debt collector for an amount of {$630.00}. I contacted the collection agency and advised them that this is not my debt ; that I have never received any communication from them regarding this debt ; nor had I received any communication from an original company owning the debt ( since it is not my debt ) ; and requested that they remove this debt from my credit report. It has not yet been removed and, therefore, I am filing this complaint. I respectfully request that this debt be removed from all three credit bureaus ' files since it is not my debt. Thank you!
Product: Money transfer, virtual currency, or money service

In early XX/XX/2022 I received a CashApp debit card in the mail for an account I did not open. This marks the THIRD time CashApp has allowed identity thieves to open an account in my name ( see complaint XXXX for details on the first two ). 

Aside from CashApp 's XXXX customer support taking way too long to resolve the issue - that is not the main purpose of this complaint - I have asked CashApp to block any further attempts to open accounts in my name and they have refused. 

I have assured them that I will not voluntarily open any accounts myself, and any further accounts opened with my identity will be fraudulent. In spite of this they insist they can not/ will not block anything. This means if they allow my identity to be used again, they will be knowing accessories to identity theft. 

To summarize - my complaint is that CashApp, BY POLICY and BY EFFECT of their slow, ineffectual customer service, is allowing identity theft to run amok on their platform. This should warrant further investigation from regulatory agencies. 

Whether their refusal to block my identity is due to policy or technical limitations, these CAN and SHOULD be addressed so that identity theft victims like me can get relief from further abuse through their services.
Product: Mortgage

Hi, We asked for a forbearance plan with Dovenmuele mortgage. We were given a letter to sign ( agreement ) with conditions. I had called to clarify as it seems they are discouraging forbearance in the conditions.I have other loans and the process was fairly simple and the interest was added on to the end of the loan. In the CASE OF DOVENMUELE in the agreement there are three options after the3 month forbearance : " after the plan expires the mortgagor ( s ) will need to either : 1 ) Bring the loan current 2 ) work with the lender to obtain another workout plan, or 3 ) pay the loan in full '' It is not stated as an option to the mortgagor but a requirement. Obviously we need forbearance so I think one is not bring the loan current or paying it off entirely at the end of the 3 month period. That leaves the option of working with a lender on a plan. What if their idea of plan doesn't work at all and my option per the agreement is to only prepay or come up wit the 3 payments? I called and asked to clarify the payment after the three months but they can not discuss that until after the 3 months. Why would any mortgager go into tht potential signed agreement blind. Are mortgage companies required to give forbearance. If so this is a way to discourage it. The terms of the forbearance have to be clear before anyone signs anything. Hence we are very uncomfortable that we could be putting ourselves in an even tighter position, depending on the blank agreement the mortgage company has provided itself. And we just plain are in a tight position having to make the payments at this time. Help? 

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

I was a cosigner on a new XXXX XXXX  XXXX that was traded in earlier this year. From my understanding the XXXX was being traded in during the month of XX/XX/XXXX or XX/XX/XXXX. The information i gathered from the actual borrower was XXXX   had the car and took longer to send in the payoff for the car than normal and XXXX   reported the car as a late payment on the credit reports, which dropped our credit scores. 
Now being the co-signer I was never made aware of the late payment issue or missed payments, as there had never been an issue the 3 years the car was in the owners possession. I just so happened to get an alert saying my credit score dropped due to late payment, but the car was already traded in when it hit. I have contacted XXXX   financial multiple times to be blown off and then told they don't have to inform the cosigner that a payment is late, but they are responsible for keeping up with the payments even if the car is traded in. I have tried to get them to remove this negative late payment from my credit report as I had no knowledge of the situation, but was told XXXX  doesn't remove their remarks. The car was paid off a day after I seen my credit score drop and I just want this removed from my credit report.
Product: Credit reporting or other personal consumer reports

Recently I found out a credit card was opened XX/XX/2024 in my name through my social security number with my date of birth. They have built up charges just from using it overtime the address or phone number linked to the credit card arent mine unfortunately & Ive never owned a credit card or bank through capital one or owned a credit card at all I just tried to sign up for one and got declined.
Product: Money transfer, virtual currency, or money service

On XX/XX/24 I received several emails from ChimeXXXX saying that I have created a new account. There was also an email saying that I had updated my phone number, another saying that there is a new login from my account, another saying welcome to Chime, and another email requesting that I complete a direct deposit form. I have never created an account with Chime, which means that someone created a fraudulent account under my name and email address. This means that this person has my social security number and personal information. I reported this incident with Chime the same day and was told that my account would be closed. However, I am still receiving automated emails ( at least 4 per week ) saying that I should activate my Chime XXXX XXXX XXXX that should have arrived in the mail by now. I never received such card as the person that created this account used a different mailing address than my own. I called Chime again to let them know about these automated emails and to confirm that my account has been closed. They let me know that my account has been closed, but that these emails are automated and they cant be stopped. I am extremely disappointed that someone was able to create an account under my name and email address so easilymy email was never verified and security is greatly lacking.
Product: Credit card or prepaid card

Entire XXXX of XXXX 2022 ( calling all day from blocked numbers starting from XXXX up until XXXX along with sending text messages ) Specifically XXXX XX/XX/2022 comenity bank contacted my mother discussing my account with victoria secret and its an attempt to collect a debt ( please note that I am well over the legal age of XXXX ) who is not an authorized user nor is her number listed anywhere did I ever list her on my accounts. Spoke with a Comenity representative that stated none of the last four of the numbers given was listed which further makes me believe this company searched the world wide web for information. 

By law creditors are only allowed to contact your parents if you are not of legal age and are not to discuss any debt as I am not a minor.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these hard inquiries : inquire name : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/21 I called Bank of America to seek assistance with fees that had been improperly charged to my account multiple times. I spoke with a representative named XXXX who was very rude to me and sought to chastise me instead of treating me with the proper respect. I also spoke with a Manager on XX/XX/21 named XXXX who also did the same. It was shocking to see such extreme rudeness and a general lack of willingness to help a client that has been with the bank for years. The lack of care from these individuals has not only caused me financial distress but has precipitated my unwillingness to want to continue to do business with Bank of America.
Product: Credit reporting or other personal consumer reports

I AM WRITING TODAY IN REFERENCE TO SEVERAL FRAUDULENT ACCOUNTS, UNAUTHORIZED HARD
INQUIRES, AND INCORRECT PERSONAL INFORMATION THAT KEEP APPEARING ON MY CREDIT REPORT. THESE
THINGS DO NOT BELONG TO ME AND SHOULD NOT BE SHOWING UP AGAINST ME. I DEMAND THAT THEY BE
REMOVED IMMEDIATLEY. THIS IS THE SECOND TIME THAT I'VE WRITTEN YOU REQUESTING A 'PROOF OF
CONTRACT FROM THE CREDIT BUREAUS AND THE COMPANIES LISTED IN MY IDENTITY THEFT REPORT AFFIDAVIT.
MORE THAN 30 DAYS AGO I WROTE AND REQUESTED "PROOF" OF THE ORIGINAL CONTRACT WHICH
CONTAINS MY SIGNATURE IN REGARDS TO THESE FRAUDULENT ACCOUNTS TO THE CREDIT BUREAUS. THE
CREDIT BUREAUS NEVER PROVIDED ME WITH ANY PROOF THAT A CONTRACT EXIST, NOR DID THEY RESPOND
BACK TO ME.

TransUnion
FARUDULENT AND UNKNOWN ACCOUNTS
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Well its been 6 months since I been asking Chase told help me get out of this BAD loan that they gave me. My payment was a negative ARM, did n't cover half of the interest or property taxes. 
So Chase told me to apply for the loan modification option, after 4 months going back and forth. Chase finally assigned a negotiator ( XXXX XXXX p. XXXX ext. XXXX ) who told me that he apologizes but he had forgot about my application for loan modification and he will do his best to review the file after 4months. 

So XXXX XXXX made fax all the documents again since he forgot to review my documents 4 months ago, I faxed and even mail the complete application all over again. On XX/XX/XXXX XXXX XXXX finally told me that my application was sent to an underwriter and to wait for an approval. 
After 30 days later I called to check the status and XXXX XXXX told me that the underwriters went on vacation and my application was never reviewed so I had to resubmit my application. 
So I requested for a manager and he transfer the call to XXXX XXXX phone # XXXX ( supervisor ) who told me that XXXX XXXX was new to their department and he will be helping him out with the review of my loan modification for HAMP program. 

XXXX XXXX phone # XXXX ( supervisor ) also told me that all the documents were in and to allow 30 days to have a final decision. So On XX/XX/XXXX. I called Chase and spoke to XXXX XXXX from the Loss Mitigation department who told me that no one was available to provide me with the decision and he hang up on me. 

I called today XX/XX/XXXX and spoke to XXXX XXXX who told me that no one was available but based on the notes my application was removed from modification because the HAMP program expired on XX/XX/XXXX and it does n't matter if I had applied before that time since my application was removed and cancelled. 
It did n't make any sense so I requested for a manager and she told me that no one was going to speak to me since I was no longer covered under the government program and she hang up on me. 

I am very upset at Chase and all representatives that work there since it is not fair that they are coming up with all theses excuses to refuse to help me keep my home. My mortgage payment now became adjustable and I can not longer afford the new payment. I do n't think this is fair since I asked for help before the payment became adjustable. 


I am asking for your help since it is not fair the way that Chase is treating me and my family. all we are asking for is to help keep our home. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting negatively on my credit report
Product: Credit card

I gave my credit card number to XXXX for installation of internet service. I did not authorize any other charges on this card. I assumed as all communications service companies they would bill me direct after the installation was completed. The service had serious speed issues. Web page were at a constant slow crawl and would often time out before connecting. XXXX failed to correct these problems.. Please bear in mind that I was sold High Speed Internet Service. So after no action the first 30 days I called to cancel the service. I was transferred to XXXX XXXX and he talked me into continuing the service while they work on the issues. Another 30 days past with no action on their part and I called and cancel again. At that time the customer service rep told be they would cancel the service and send me prepaid postage boxes to return their equipment and send me a final bill, and that would be the end of it. Target Bank Redcard has taken it upon themselves to resolve this issue by billing me for a early termination fee that I should not even owe and while at the same time XXXX has also billed me direct. For a service I never received.
Product: Credit card or prepaid card

From XXXX to XXXX I've experiencing fraudulent accounts opened on my credit report. 
Discover bank XX/XX/XXXX {$2200.00} XXXX XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XXXX  XX/XX/XXXX AND XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$7000.00} NOT SURE OF SOME OF THE AMOUNTS.
Product: Student loan

My loans are currently serviced by Navient ( formerly XXXX XXXX ). I should qualify for a .500 % interest rate reduction due to auto debit, but was told that my eligibility was terminated due to XXXX rejected payments in XXXX 2014. I obtained a copy of my XXXX 2014 bank statement and it documents that there were not XXXX rejected payments in XXXX 2014. I provided a copy of the bank statement to Navient along with a request that they reinstate my interest rate reduction, however, they continue to insist that there were XXXX rejected payments and will not reinstate the reduction.
Product: Prepaid card

I have a {$5.00} charge on my XXXX. This was made by PAYPal. I do not have a PAYPAL ACCOUNT AND NEVER HAVE had one. I have tried to contact paypal but they wont me to login to my account, I cant do that because I dont have a PAYPAL account. If someone opened a account in my name they could take all the funds from my visa green dot card. Can you help?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX SS # XXXX XXXX XXXX Transunion This CFPB complaint has been filed to request pursuant to FCRA $ 605B ( 15 U.S.C {$1600.00} c-2 ) that you, the Transunion credit reporting agency , block information on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists XXXX XXXX XXXX with XXXXXXXX XXXX XXXX opened on XX/XX/XXXX with an account number XXXX and a balance of {$38000.00}, XXXXXXXX XXXX a charge card opened XX/XX/XXXX with an account number XXXX, a collection account with XXXX XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report maintained by you which shows the aforementioned accounts, collections, charge offs, and hard inquiries, are the result of identity theft and fraud. I have attached a copy of the FTC identity theft criminal complaint # as proof of the federal trade commission that all of the aforementioned consumer credit account, charge offs, collections, and hard inquries are the result of identity theft and fraud.
Product: Payday loan, title loan, personal loan, or advance loan

Loan Agreement Number : XXXX Date of the Agreement : XX/XX/XXXX Amount financed : {$9500.00} Interest rate/APR : 11.99 % First payment date : XX/XX/XXXX I took out a loan to pay for a new boiler for my home. I understood that after the 18 month grace period, the interest would start accruing. The statements say that the first payment date is XX/XX/XXXX, so I understood that if I paid before the first payment date, I would not have to pay interest. 

I have paid {$2000.00} since XXXX. I was about to pay the remaining {$7500.00} balance on XX/XX/XXXX, but when I talked to Goodleap on the phone they said I actually owed {$9000.00}. They said that even thought I want to pay before the first payment date, the interest has already " kicked in '', and it gets taken retroactively. 

Then, when I spoke with a manager at Goodleap, I told him I wanted to pay the remaining balance of {$7500.00}. He said I could do this, but only if I request a settlement. He said this will only be approved if I am late on my payments, but since I am not late on any of my payments, I can not request a settlement at this time. I feel that I am being incentivized to not pay this loan and then get a settlement later on. This will hurt my credit. But I refuse to pay an extra {$2000.00} because of Goodleap 's unclear terms. 

Since I received the loan, it was very difficult to log into the Goodleap online system, and when I was able to log in, there is no contract or information about how much I owe. I was never sent a contract, only statements. The first time I saw the contract was on XX/XX/XXXX. 

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

I filed for this problem against XXXX  but now I see that its on equifax and XXXX. On XX/XX/XXXX during a doctors visit for my eyes was declared XXXX  XXXX. I was told by the eye doctor I could XXXX XXXX anymore. Having a car still under finance by XXXX XXXX credit. What am I supposed to do. I reached out and contacted XXXX XXXX credit and informed them I was not allowed XXXX XXXX anymore. XXXX motor credit advised me I could do a self surrender of my car to XXXX XXXX credit. And they would take the car to auction and sell it. If the car sold for more than my loan. XXXX XXXX XXXX would pay the loan off and give me the difference. If the car sold for less thanwhat was owed on the loan I would have to pay the difference. I washed waxed and clean my car and set it back to factory specs. Also to make sure my car was safe and not ticketed or towed by the city government I had my car taken to my cousins house where it could sit in the driveway for the tow truck driver to pick it up. I called XXXX motor credit gave them my cousins address and my cousins husband had the keys for the tow truck driver. I called XXXX credit several times to make sure they got the car. The car was picked by by XXXX and sold at auction. The loan was paid off and the difference sent to me. So I would like to know where XXXX, Equifax, and XXXX  get off liking and calling the car a repossession. How is a car repossessed when I called XXXX XXXX XXXX and agreed to surrender it so it could be sold to pay it off. I XXXX XXXX anymore because Im XXXX  XXXX. I called XXXX motor credit XX/XX/XXXX to confirm it was a surrender. XXXX credit said yes it was a self surrender and if it was called a repossession the credit beurea did it not them. XXXX motor credit is sending me the paperwork they have saying self surrender. So the credit agency made this up. At no time was the car set for repossession. But the credit agencies decided to damage my credit for 4 years by making this assessment on their own. They were not on the phone with me nor XXXX motor credit. And frankly its discrimination against a XXXX person. I dont have the means to even pass the eye test XXXX XXXX. But the credit agency wants to list my car as a repossession. From here Im reaching out to the national foundation for the XXXX XXXX department. Because this is discrimination. Its my fault because Im physically not able XXXX XXXX anymore. So if get XXXX  thats my fault too?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please update your system, this is causing plenty of heartburn for me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2019, my claim of fraudulent loan was addressed and resolved. 
I was finally removed from the fraudulent account and XXXX XXXX blocked access the account online. Finally. 
However, on XX/XX/2019, I received a notification from XXXX XXXX. XXXX XXXX added the fraudulent account back to my report. 
XXXX XXXX unresolved what was resolved. 
Why was I added back into account?
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I have asked for the original signed court document to prove this was mine and they wont show took 5 days investigation just not to prove anything