23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have loans that were in forbearance with XXXX XXXX XXXX. At the end of forbearance I asked for an extension and State Farm informed me the loans were in the process of being transferred to Rushmore LMS and I have to talk to them. I have not had any luck with getting a live person on the phone at Rushmore. Once, I did get a person and he told me he see 's it is in forbearance. At that time I asked that his company not robo call me. I told him I need to find out if it is going to be extended and what are my repayment options. He said he would get back with me in a week ( around the beginning of XX/XX/XXXX ). I did not hear back. I did receive another robo call from them a little later than a week on ( XXXX at XXXX XXXX eastern ) I called right back at XXXX and was told the office is closed. According to the time on their paperwork they should be open until XXXX pacific. I received another call on XXXX @ XXXX eastern and when I answered no one said anything. I said hello several times and no one said anything. All the other times Rushmore would call it would be a robot telling me to call them. When I did call right back I would be told it was after hours or I could not get a person on the phone. 
I was sent some documents and I filled them out and mailed them on XXXX XXXX, hoping to finally get a repayment plan since I was never informed if I was going to get an extension of my forbearance. 
On XX/XX/XXXX I received a Notice of intent to foreclose ( dated XX/XX/XXXX ), stating I have to give them the entire balance by XX/XX/XXXX. I sent Rushmore an email with the documents I mailed to them. I told them they robo call me and never answer the phone, they never gave me a relationship manager or an after forbearance repayment plan. I also told them I was going to file a complaint with the Consumer Finance I received an email response on XX/XX/XXXX informing me they received my documents and they are under review and will let me know within the next 30 business days. Rushmore informed me XXXX XXXX XXXX XXXX is the current owner of the loan. All this is good but they told me I had to pay in full by XXXX. Thirty business days is to late to get a reply. 
On XX/XX/XXXX, I got 2 more certified letters about foreclosure that was dated XXXX, XXXX, on 2 other properties that are in forbearance. Along with the forbearance letter I received home retention documents that were back dated to XX/XX/XXXX. One of the properties were less than 30 days late at the time of the foreclosure letter. 
I have a friend who have had problems of their own with Rushmore. On time payment were being made when they were sent a letter stating they were 3 months behind. Rushmore was not applying the funds. My friend made payments current again and Rushmore refunded their funds as an escrow overage. Needless to say, they never admitted fault or corrected it on their credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI, I wanted to submit my complaint to advise you that as of XX/XX/2019, I was recently hacked from a Malware site that compromised my personal information from my cell phone. I was locked out of my emails, my contact list, and somehow they hacked my XXXX  account. I was able to recovery my XXXX account at work using a secure connection, later that evening with the help from XXXX, when I submitted my claim.

All the information that I have noticed being published about me is absolutely false, and as a result of Identity Fraud with my  personal information being hacked, and credit inquires that are unwarranted on my account. I have not at all engaged in any illegal activity with these publishing 's. The information provided is fraud as I noticed the negative impact of false information on my account. I have never been in trouble with the Law before, except pending case now. I have never had child endangerment charges, domestic assaults ' charges at all. I would like to have that taken off for public record, as is completely false. I am legally bind to stay out of trouble, and have been. I have reported to XXXX   and explained the situation. I will be getting a hold of the fraud unit of their department Monday. The malware issues are solved now on my phone, and I'm able to retrieve some of my emails. I did notice some of them were deleted, as it concerns me in a pending court matter. I was unaware of this information, being published, Til I saw it on your website, the legal civil notice of Privacy act, and Civil penalty fee. I am overwhelmed with the information I have seen. Under truth the allegations are false, incorrect criminal history, personal information wrong, false credit inquires, or any use of money transferring, new debit cards, and my current bank was withdrawn fund, frauduantly obtaining new student loans are falsely incorrect as well. If you have any questions, or concerns proceeding this matter. Please feel free to contact me, Thanks so much!
Product: Vehicle loan or lease

My XXXX XXXX was repossessed in XX/XX/2024 and the sent to the auction before they gave me a chance to pay what I owe, The car was sold and its still on my credit and showing a balance owed.
Product: Credit reporting or other personal consumer reports

incorrect information on my credit report Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Incorrect Employer ( XXXX XXXX XXXX XXXX
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX - XXXX Account Number : XXXX and list of Inquiries. 

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 a 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( Equifax ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Debt collection

I owed XXXX XXXX XXXX {$50.00}, they processed my personal check # XXXX for {$50.00} on XXXX/XXXX/XXXX and opened up an account with Rash Curtis & Associates on XXXX/XXXX/XXXX to collect. 
I owed XXXX XXXX XXXX {$110.00}, they processed my personal check # XXXX for {$110.00} on XXXX/XXXX/XXXX and opened up an account with Rash Curtis & Associates on XXXX/XXXX/XXXX to collect. 

I have proof of payment for both checks. 

I have sent both companies through email on XXXX/XXXX/XXXX the processed checks front and back. XXXXXXXXXXXX and XXXXXXXXXXXX. 

I spoke with XXXX on XXXX/XXXX/XXXX with XXXX XXXX XXXX XXXX about the clarification of these accounts being paid and reported to Rash & Curtis & Associates. I told her that both accounts showed an open status with Rash Curtis & Associates. She told me that the account from XXXX was paid and cleared with Rash, I requested a zero balance statement and she submitted my request letting me know it would take 7-10 business days to receive my statement. She told me I would also receive from Rash Curtis & Associates a letter stating my account was paid. She confirmed with me that they received my email. She told me the account from XXXX would require a supervisor to look into that account because it was placed in the deleted files. 

I spoke with XXXX on XXXX/XXXX/XXXX with XXXX XXXX XXXX XXXX to follow up with the XXXX account and she told me they were still looking into it. 

I spoke with XXXX on XXXX/XXXX/XXXX with XXXX XXXX XXXX XXXX to follow up on both accounts and he told me they requested me a zero balance statement be sent to me on XXXX/XXXX/XXXX. I told him I did not receive it. He told me he would request it again and it would take 7-10 business days. I told him I needed it now and that his company was causing me financial hardship and violating my consumer rights. I asked to speak to a manager and was transferred to a voicemail. 

I hung up.
Product: Credit reporting or other personal consumer reports

I did not make any inquiries such as those inquiries added on my account, they are not mine. Please remove them immediately on my account.
Product: Credit reporting or other personal consumer reports

Source of problem : INACCURATE LATE PAYMENT DRAFT INFRACTION Reasonings : XXXX only reporting late payment History ( XXXX, XXXX shows no such history ) 2. Inaccurate late payment History ( Paid from XXXX paid last XX/XX/2023 ) 3. Inaccurate debt owed ( XXXX ) True debt owed ( XXXX ) USD
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENTS DATES AND ACCOUNT NUMBER Account Name : XXXX Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : OPEN Status Updated : XXXX XXXX Balance : XXXX Balance Updated : - Recent Payment : - Monthly Payment : - Credit Limit : {$11000.00} Highest Balance : {$800.00} Late Payment Date : XXXX ) XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I did a transfer from Wells Fargo bank where I was the account holder to the XXXXXXXX XXXX  to the supposed closing attorneys account. 2 hours later I was informed by the closing attorney that they didn't receive the wire, and they confirmed the account information that I had was not the correct one, apparently the email was hacked and I was following the instructions from a hacker. I immediately informed my bank, and while the funds were still available on my account I requested to place a swift recall. Accordingly to the bank manger of the branch where I initiated the transferred from, the Wells Fargo had place a wire stopped successfully and the XXXXXXXX XXXX did acknowledge a name discrepancy and the wire was placed on hold. On XX/XX/XXXX the XXXXXXXX XXXX released the funds to the fraudsters and closed the account. 
Following the investigations from the Law enforcement in XXXX, the Police officer uncharged discovered the XXXXXXXX XXXX opened the account to a person with fake ID and XXXX phone number. Still the bank released the red flagged funds. 
The Wells Fargo did failed by not confirming with the XXXX the account at the time I was making the wire transfer, as a result of this mistake I was told the manager was later on terminated ; still I never retrieved my money, and the XXXX XXXX did opened and released the funds to fraudsters what makes me conclude this was an inside crime. 

I need from both bank to accept their response and refund the money that I lost
Product: Credit reporting

I have been trying to get a credit report from XXXX for the past few months i have verified all my information over the phone and they keep denying to give me my report. they want me to send my personal information in the mail and i am not comfortable with that i am a victim of identity theft and send my personal information in the mail is ridiculous. I have been denied credit and based off there information and they are not sending me my reports.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Equifax disputing a late payment reported by XXXX  XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : My payments were made on time, as evidenced by my bank statements and payment confirmation records. These clearly indicate that both payments were processed well before the due dates, and these payments should not have been marked as late. 
Processing Delay at the Bank 's End : There was a delay in the internal processing of payments at XXXX. This caused the payments to be incorrectly flagged as late. After contacting XXXX  customer service, they acknowledged this delay. I have attached correspondence from XXXX confirming that the payments were processed late due to their internal issues, not my fault. 
System Error on Payment Posting : XXXX payment system encountered an error during the posting of my payments, resulting in the payments being marked late. I provided screenshots and support tickets showing that there was a known system issue during the payment dates. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. I also request that the inaccurate late payment entries for XXXX and XX/XX/XXXX be removed from my credit report immediately. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

on XX/XX/XXXX I signed a series of documents for myself and my wife. It was my understanding that these documents were for the freedom mortgage product titled " IRRL VA Streamline '' that carried an interest rate of 2.6 % and a reduced mortgage payment of {$2900.00}. One of the features of this product that there was no credit check for current freedom mortgage customers. The loan officer confirmed the documents completion and informed me that someone from the company will contact me to finalize. However, on XX/XX/XXXX I received an email from freedom mortgage with my credit report and a denial letter. This of course is confusing because I was not told that my credit was going to be pulled for anything. I attempted to have this issue explained and resolved by other administrative staff of freedom mortgage, but apparently this " denial '' status has essentially removed any support privileges that I have enjoyed in the past as a customer in good standing. I have spoken with a series of departments and so far no one from Freedom mortgage has made any attempt to follow up with me on this matter. After researching the company CEO 's email address, I forwarded my communication to him. The company 's Senior VP sent me an email that day on XX/XX/XXXX accepting the responsibility of addressing my issue and confirmed that someone will contact me via telephone. No one has called me since the issue began on XX/XX/XXXX. In addition, I received another email from the company 's Senior VP on XX/XX/XXXX requesting proof that I have the credit report that they sent me on XX/XX/XXXX. The credit report was sent through a system that houses the company 's documents. When clicking the link, all of the documents that I signed for the IRRL refinance are suspiciously gone and so is the hard credit report pull that was sent to me twice on XX/XX/XXXX, the error states " documents are no longer available ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX account # XXXX Account Name : XXXX XXXX XXXX, Has violated my rights. 


15 U.S.C 1681 section 602 A. states I Have the right to Privacy. 
15 U.S.C section 604 A Section 2 : it Also States a consumer Agency can not furnish a Account without my written instructions.
Product: Credit card or prepaid card

On XX/XX/2022 ( and possibly other dates that have past ). I went on the Capital 1 website at XXXX and made my payment. Attached are confirmation emails from them. They seem to think that the date changes at XXXX and not midnight. The last time I checked the United States and the World are ALL on a 24 hour cycle not 20. They use this to charge excessive feel to the consumer and that limits our ability to get out from under their crushing debt and fees.
Product: Debt collection

On XX/XX/2021 I disputed a {$1200.00} collection account that I requested to be validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a debt on my credit file that I do not owe. I paid the total debt off. Last I checked I had no remainder balance. I did not receive phone calls, letters or any notification of any remaining balance. They are in violation of my 30 day right to dispute.
Product: Mortgage

Complaint vs Navy Credit Federal Union I've been dealing with this Loan Company since last year. I received a denial letter. I have the funds, the credit score and they have the audacity to say that I have lots of delinquents accounts. My credit score is XXXX and I am sure they ran my credit score more than once. I am an XXXX woman and XXXX. 

This Credit Union has the same complaints that I have from other customers, and no one is doing nothing about it.
Product: Checking or savings account

Dispute for account ending in XXXX : Fraud Claim Denial Transactions : XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} Total Fraud Scam Amount {$3000.00} Prior to the holidays for XXXX I attempted to make a purchase online from XXXX XXXX Unfortunately, I was somehow redirected to a fraudulent 'look alike ' website. Upon checkout my transactions was declined. I was advised to call a support number for assistance. The number offered was XXXX. I called the number and was greeted by an individual claiming to be with XXXX. The individual asked for my debit card information again in an attempt to reprocess the transaction. Again the charge was denied. I was instructed to use my debit card for gift cards and they would convert it back to cash to compete my purchase. They suggested due to the large dollar amount it may be the reason for the difficulty. I complied and later learned that I was a victim of a common and elaborate scam. I immediately contacted WSFS to report the fraud. The woman that I spoke to said this happens all the time and can't count the number of customers that come into the bank to report similar scams. We proceeded with the Fraud claim and I awaited the banks response. On XX/XX/XXXX I received a written response from WSFS that my fraud claim was being denied. It also states that I am permitted a copy of the investigation that led to the fraud claim denial. I requested a copy and after the required 30 days, WSFS failed to respond to my request. WSFS did not adequately protect me as a consumer, they suggested if I had " more money '' with them that my claim would more than likely been accepted and my funds reinstated. I was not adequately protected, WSFS failed to provide basic fraud security, WSFS failed to perform an adequate investigation, WSFS failed to attempt to recover funds, WSFS failed to provide written supporting information relied upon in making its determination to deny my fraud claim. If WSFS was aware of these fraud scams, why did they fail to protect me or educate me on the risk associated with they elaborate fraud rings. I recently called the ticketmaster toll free number above XXXX and the redirected website of XXXX  is still operating. If this was a fraudulent site, why has WSFS failed to report to law enforcement or take any action to protect other consumers. WSFS is taking advantage of my due to my low income and low financial savvy education surrounding these fraud scams, they denied my claim and expected me to go away. My fraud rights protect me and should leave WSFS liable for failing to protect me. I expect my hard earned income to be returned. 

A complaint will be filed with the PA Attorney Generals Office and ACLU
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.