23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was granted a forbearance under CARES. Now Rushmore Loan Management has sent me a letter saying I'm " delinquent '' and demanding {$35000.00} by XX/XX/21, which is 8 days from now ( their bill arrived yesterday, XX/XX/XXXX ). They're charging some late fees and the entire amount due since the forbearance began, as well as some additional amounts that are unclear, as the itemized numbers they list do not equal the total they're asking for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been fighting to two collections on my consumer report. Both are listed as XXXX XXXX XXXX problem we dont know what that information relates or who it relates too but we know its not us. This is being disputed at Experian and XXXX and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was run without my knowledge or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove these accounts, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # 's 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 disputing multiple fraudulent accounts that have appeared on my credit report due to identity theft. These accounts were opened without my authorization, and I have already submitted a formal dispute to Experian along with an FTC Identity Theft Report ( No. XXXX ) as supporting documentation. 

Despite my dispute submission, the fraudulent accounts remain on my credit report. Under the Fair Credit Reporting Act ( FCRA ), Experian is required to investigate and remove inaccurate or unverifiable accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report in XX/XX/XXXX and submitted disputes to correct my personal information to all three credit bureaus. XXXX  and Transunion updated my personal information based on the proof I sent. However, XXXX  didn't update the information at all in XX/XX/XXXX, and again in XX/XX/XXXX. I sent separate dispute letters to each credit bureau in XX/XX/XXXX. They all responded back to me however it was in XXXX XXXX that I got the findings of their investigation. Later in XXXX after reaching out to the creditor XXXX XXXX for violation of Nevada state law with notices they were supposed to provide for what they were supposed to provide me for a repossession reported to the credit bureaus, they didn't respond. I then sent notarized letters to all three credit bureaus on XX/XX/XXXX asking them to provide proof of who they spoke to with the items I disputed and how they were able to verify the accounts they say were 'verified ' and I have not received a response from any of the credit bureaus as of XX/XX/XXXX on the method of verification since I was not able to recieve anything from the creditors directly. I've attached all of the letters I sent that are dated accordingly and also the proof of items I was disputing.
Product: Debt collection

i sent a letter to them on XXXX XXXX and hasn't heard from them concerning this inaccurate item XX/XX/2021 LVNV FUNDING LLC c/o RESURGENT CAPITAL SERVICES XXXX  XXXX  XXXX XXXX, SC XXXX XXXX : Alleged Original Creditor : XXXX XXXX XXXX  Alleged Original Creditor Account Number : N/A Debt Collectors Account Number : XXXX XXXX Alleged Debt Amount or Balance : {$960.00} Dear LVNV FUNDING, LLC : I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within thirty ( 30 ) days. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, ( 1 ) the name and address of the original creditor, ( 2 ) copy of the oral or written request or application for the alleged credit card account, ( 3 ) copy of a signed contract or signed credit card agreement with the alleged original creditor, and ( 4 ) previous 12 months of statements of account. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, including the Fair Debt Collection Practices Act, cease and desist all collection activity, including all credit reporting activity. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive all related information. If you fail to comply with this letter, I intend to turn the matter over to an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase is reporting a charged off account to my consumer report. A 1099c has been issued and the account is canceled debt. The account is gross income and Income can not be reported to a consumer report per federal law.

Chase is furnishing inaccurate and incorrect information to consumer reporting agencies. 
The reporting of such information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 
Also, there is no permissible purpose. I have not given verbal or written consent to any consumer reporting agencies to report on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ed FinancialXXXX took over my student loans over 3 years ago without my consent and the account was given to them without my consent by U.S. Department of Education without my consent. This has been on my credit for over 13 years and U.S. Department of Education has allowed this to happen along with allowing these loans to be given over to at least 5 different 3rd party companies which was without my consent. According to the FCRA guidelines this is unlawful and these loans were supposed to be dismissed long ago but theyre still lingering on my credit report in the amount of {$53000.00}
Product: Mortgage

XX/XX/XXXX : Called them regarding the escrow shortage letter that we received and it was promised that they would waive the late fee for XXXX 2017 of {$22.00} and plus sent clarification that the rise in the escrow payment would only be for a year. Neither of those have been done. We had a third party examine our closing disclosure and the escrow payments collected from and paid out by the mortgage service provider and not only are we not short but we have an excess of around {$1600.00}. 
Called again on XX/XX/XXXXand they have been unresponsive to our request for getting this cleared up so hopefully this will speed up the process.
Product: Checking or savings account

XX/XX/2019 I made 2 check deposits through the mobile app for fifth third bank. The 1st check was immediately available, in the amount of {$180.00}. The second check, in the amount of {$850.00} was placed on hold for 7 business days and no funds are available. Even after 1 business day, the first {$200.00} is not available. From my understanding about federal law, deposits under {$5000.00} are required to have {$200.00} available the next business day. I have contacted several people by phone, and even visited my local branch with no resolution.
Product: Credit card

I have consistently made sure that payments on this account are made promptly, never allowing them to be overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one XXXX credit card, issued by XXXX Bank. However, the same account is showing up twice on my credit report, effecting my overall utilization. I reached out to XXXX customer service, but they said, they can not correct the error that I need to dispute it.
Product: Debt collection

On XXXX at XXXX XXXX est, I received a call from XXXX asking for a XXXX XXXX. I never gave my name or confirmed any name. The guy calling, assumed it was the person he asked for and started on with his debt collection call. I stopped him at the point of the call being recorded and told him repeatedly I do not consent to any recording and to stop recording. 
( Note : " Pennsylvania 's Wiretapping Law, 18 Pa. C.S.A. 5704 ( 4 ), requires the consent of all parties to record a phone call, including debt collector calls. This means that the debt collector and the person being recorded must both agree to the recording. The law defines " interception '' broadly, including listening in on a conversation without consent. Failure to obtain consent can lead to criminal prosecution and civil liability. " ) This guy repeatedly kept saying he can record and is not stopping the recording, kept trying to push his debt collection call while recording and kept arguing about the call and the recording. I kept telling him to stop recording, I do not consent to any recordings, this recording is illegal, refused to answer any questions or give my name, and telling him he is violating my rights. 
I requested information which I had to repeatedly ask over and over again and have spelled out, but did finally get. At first he refused until told him he is required to give it. 
I then requested a supervisor. After mins on hold, this same guy came back on, same voice and tone acting like a supervisor saying he is a supervisor when you could clearly tell it was the same person. I called him out on it, repeated this call is illegally being recorded and that I am filing a complaint. I also told them not to ever contact me again. 
Then hung up. 
Company info RGS XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX rgsfinancial.com
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion stated in their response to my complaint with CFPB and in a letter I received on XX/XX/XXXX from Transunion dated XX/XX/XXXX in response to my original dispute of XX/XX/XXXX, that the status ( as open ) and balances ( over {$100000.00} with the 10 students loans ) with XXXX in my credit report are accurate. In their letter they also stated that the documentation I provided did not meet their standards. Transunion also stated in their response to CFPB that their computer/internet system was " temporarily unavalible. '' First, it is impossible that XXXX could report that I still have open student loan accounts with them and with the balances reported. All my student loans were paid off and transferred to XXXX XXXX on XX/XX/XXXX ( and subsequently transferred again to XXXX ) as demonstrated in the XXXX XXXX XXXX Summary and Verification enclosed and the screen shot from my XXXX account. I am providing the official XXXX XXXX statement stating that the loans were transferred, the status is close and the balance is {$0.00} for all my student accounts. How is it possible that such document does not meet the " standards '' of Transunion? 

Second, I tried again today, XX/XX/XXXX to re-enter my dispute about the XXXX student loans into the Transunion website and after I finished entering the info and the supporting documents I received the same message than one week ago : " Dispute Temporarily Unavailable. '' I have enclosed the screen shot of the message of today.
Product: Mortgage

XX/XX/XXXX Dear Sir/Madam, This complaint is against my mortgage number # XXXX with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, Arkansas XXXX After several attempts to get an explanation from my Mortgage Co. why is my mortgage going up? every 3 to 6 months ' it has gone up over {$300.00} dollars every 3 to 6 months with No  avail. I have no choice but to file this complaint, to get to the bottle of it. Every 3 to 6 months my fixed mortgage account is increasing with No explanation. I feel like I am being exploited by Arvest Mortgage. In XXXX ' I was paying {$3000.00}, okay, currently my monthly mortgage payment for XX/XX/XXXX is {$3300.00} over XXXXdollars more. 
I have talked with customer service XXXX, Manager XXXX, an supervisor XXXX got No help, was offered-no explanations given, basically I'm under the bus ' pretty obvious my account is not fixed I'm paying more then an adjustable mortgage account seriously I need some HELP ... 

Please audit my mortgage account ... 
Please follow my money .... 
Please audit my property taxes .... 
Please correctly asses my property value ... .. 

Regretfully,
Product: Credit card or prepaid card

Every month I look at all my credit cards to make sure, everything is on time and running smooth. XX/XX/XXXX I looked at my capital one card statement and saw that my auto payment had gone through on XX/XX/XXXX. XX/XX/XXXX I went to setup new auto pay on a new bank account I had just opened when I saw my account was past due a payment and I had incurred a late fee. I immediately called capital one customer service to let them know I needed to update my bank account autopay and if they could waive the late fee. He said of course for it was my first time. ( Never did he mention XXXX payment had been returned and that was past due. ) I looked up my fico store because our family is looking at purchasing a house. It said my score had taken a massive hit due to 30 day late payment. I immediately called capital one to see if there had been a mistake. They said they had not received payment. I immediately called my bank XXXX XXXX and they said something happened on capital ones end.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally dispute two unauthorized hard inquiries that appear on my credit report. Upon reviewing my credit file, I discovered these inquiries, which I did not authorize or provide consent for. As this is my first request for investigation, I expect you to handle this matter in strict adherence to the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

I purchased a home in XX/XX/XXXX. PHH Mortgage was mortgage holder for prev owner. However, PHH Mortgage is still attempting to collect a debt on my property owed by prev owner. They are consistently sending bills and sending a man to my home on a monthly basis to " inspect '' my home. He is trespassing by going into my yard, driveway, porch and taking multiple pictures of my home. I am outraged that I have this strange man consistently coming on my property violating my privacy and taking pictures. I am at the point where I am going to reach out to law enforcement and provide this man 's photo and license plate for trespassing. The first time I caught this man on my property was XX/XX/XXXX when I saw him on my doorbell camera, I was extremely upset and concerned to see a man lurking around my home taking pictures especially since I have children. He never knocked or rang doorbell and by time I got outside he sped off and I was able to take a pic of his vehicle. Later my neighbors mentioned this is not the first time they have seen this strange man. The following month he returned again. I determined that it was related to PHH Mortgage 's inspection process so when I received an unsealed envelope with a mortgage statement inside I called XXXX on XX/XX/XXXX and spoke w XXXX ID # XXXX. I explained my concerns, and I was assured he would forward the information that I am the new owner for several years. I also advised him owner information is public and he could find it on the city and county website. I hung up with the promise that this would be stopped and he provided a phone number XXXX XXXX. On XXXX the man returned so I made another call to XXXX, and XXXX and spoke with XXXX ID # XXXX. I advised I spoke to XXXX he said that he knew him and that he and XXXX were both supervisors. I spent about 1 hour on the phone again and was reassured and promised this would not happen again. The same man returned today XX/XX/XXXX! I need this to stop immediately!
Product: Checking or savings account

I'd like the CFPBs to be aware of unfair and deceptive practices of Capital One. Since my XXXX XXXX XXXX accounts were moved to Capital One 360 Savings accounts when it acquired that XXXX XXXX, I have held multiple " high-interest '' savings accounts with Capital One. Capital One reduced interest rates on those accounts as federal rates declined. In XXXX Capinal One created a new variable rate savings account product with a similar name, Capital One 360 Performance Savings Account, and no longer offered Capital One 360 Savings Accounts to new customers. Capital One 360 Performance Savings Accounts were the only variable savings accounts advertised by Capital One starting in XXXX. As interest rates rose over the past few years, the interest rates on Capital One 360 Savings Accounts were not adjusted, but those of the Capital One 360 Performance Savings Account were. Existing account holders of the Capitol One 360 Savings accounts were not notified that their accounts were no longer being adjusted, but were fixed at the low rate of 0.3 % when the Capital One 360 Performance Savings account was paying as much as 4.3 % interest. I assert that this was intentionally deceptive, given that customers were intentionally made to believe that their Capital One 360 Savings account interest rates would adjust as federal rates changed, and that this savings account was " high-interest ''.
Product: Bank account or service

In XXXX 2014, Chase bank sent me the letters about closing all my Chase accounts ( checking, savings, and credit cards ). There was no any explanation for doing that. Just : " after reviewing we determined to close ''. 
During my visit a Chase branch, I found myself as blacklisted for Chase bank. I am not allowed to open any account in Chase. This status is " forever '' according to bank representative. 
In Chase letters it is also stated that : " We may also report the account to credit reporting agencies, which could discourage other banks from opening an account with you ''. 
All my questions on what I did wrong to get such severe sanctions were unanswered. The only answer was : " You are not compliant ''. 
As they are so not informative I tried to analyze by myself what I may did wrong. The only thing that comes out was ordering cashier 's checks on large amount. But I ordered them in Chase branch and teller processed them without any warning that it may be not compliant. 
So Chase bank blacklisted me forever for the secret reason that they do not want to disclose. They also threatened me to inform the other banks ( through credit reporting agencies ) that I am not good to have business with. I am blacklisted but have no idea why because in my view I was completely compliant with Chase bank rules according to their terms and conditions.
Product: Mortgage

I am attempting to XXXX but the new company can't pay both the loan XXXX AND the unpaid balance deferred due to covid forbearance .... My current loan holder ( Wells Fargo ) will not allow me to pay off just the unpaid balance ( {$1900.00} ) as they say XXXX XXXX will not allow that to be paid until the FULL LOAN XXXX is paid first! 

I have a case with XXXX XXXX as they have said WF is giving false information ( XXXX  case number XXXX ) and will receive a call from the XXXX  Exec Office in 1-2 business days. 

I am re financing to get aware from WF as they have been nothing but unethical and predatory if their loan handling practices from day ONE! Most disturbing was being sent letters starting a week after covid forbearance stating " It is now within our legal rights to enter your property and change the locks '' .... I have lost several weeks of sleep due to this and will do anything to get away from this immoral, unethical, and dishonest company!
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNT : XXXX XXXX  number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint is against Experian for credit report errors and for they are still billing me for closed Experian account : 1. XXXX XXXX shows corrected balance dispute resolution on the dispute request page, yet still shows the XX/XX/2020 balance of over {$5000.00} on the credit report. This must be corrected and correct the FICO score.

2. XXXX XXXX detail on the dispute request page shows not late per previous dispute resolution yet still shows late on the credit report, and summary shows one late account payment - XXXX was the only one showing a late payment. This has led to at least 8 auto loan refusals and a higher interest rate when a creditor approved the loan.

3. I am still getting billed every month even though Experian account was canceled. Only available phone number does not allow correction no matter what number I press, all go to reset password or hang up each time on each of many attempts. They need to stop billing me. 
4. There are many creditors that are closed and paid accounts are showing on my account. I know I had requested those over 7 years old be removed several times.
Product: Checking or savings account

On XXXX, I logged into my account online and noticed a check # XXXX dated from last year ( XX/XX/XXXX ) " in process '', for {$3000.00} from my account. 
I reviewed my previous year 's statements and found out that the check was paid/posted by bank last year, XX/XX/XXXX. 
I contacted bank 's customer service and spoke with XXXX and explained to her what happened. She agreed that the check is being processed twice and started a bank investigation process with Reference # XXXX. 
On XXXX, I logged into my account online again and found out that check # XXXX was " cleared an paid again '' for {$3000.00} on XX/XX/XXXX. I called bank 's customer support again and logged another investigation and was given complaint # XXXX. 
I was told both times that bank 's investigation can take up-to 10 business days. I asked the customer service to restore {$3000.00} payment to my account while they conducted the investigation so that I can pay my scheduled bills. My request is being declined. 
See attached copies of check being cashed in years XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

In accordance to with the Fair Credit Reporting act XXXX account name XXXX XXXX, account number XXXX, has violated my rights. 

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.
Product: Mortgage

XXXX Mortgage sold my loan to Fifth Third Bank over a month ago and I have received no correspondence from Fifth Third Bank ( email, mail, or phone ) to the property address or my address of record. The property address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX