23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My name is XXXX XXXX and this is my second complaint against my loan servicer, Rushmore Loan Management. In the complaint I filed a few months ago, I described how Rushmore was violating my California Home Owner Bill of Rights, or HOBOR, and they still are. My rights have been violated in a number of ways, including Rushmore engaging in dual tracking while I attempt to have my loan modified, no communication with my single point of contact, XXXX XXXX, and a faulty and illegal loan modification appeal process that I am currently engaged in with Rushmore. Additionally, Rushmore managers have recently lied to me, telling me that a Rushmore manager by the name of " XXXX XXXX '' had spoken to me on XXXX, telling me that I had filed an " invalid '' appeal. I had no such contact with this person, this is a lie. Rushmore made this episode up to strengthen their attempt to sell my property on XXXX, even though by law, the sale date should have been automatically postponed due to the fact that I filed a valid appeal on XXXX, after my recent loan modification proposal was declined by Rushmore. I reached out to Rushmore the week of the XXXX in an attempt to speak to XXXX or another manager concerning my appeal and why the company was not postponing the scheduled XXXX sale. To date, there has been no communication with XXXX, the only other communication with management was with the manager who lied to me about XXXX speaking with me about the appeal filed. The only reason the property was not sold on XXXX, is because I reached out to Rushmore 's attorney XXXX XXXX , who interceded on my behalf and postponed the sale. And the fact that there is a new sale date of XXXX is illegal because I am supposedly in an appeal status with Rushmore and no new sale date should be set unless my appeal is turned down. Rushmore  setting a new sale date gives the appearance of management already having decided to decline my appeal, without fairly reviewing new facts that I have presented them with. What Rushmore is doing by setting the new date so soon is grossly unfair and illegal. As mentioned in my first complaint, I would greatly appreciate having the opportunity to speak with a CFPB investigator about this matter. Simply forwarding my complaint to Rushmore and allowing them to deny the facts that I have presented here is not good enough. This is an out of control company that has trampled upon the rights of countless homeowners across the country and it needs to be held accountable for its actions. Please, have an investigator reach out to me about this matter as soon possible. Thank you very much for your time and consideration in this matter. 

Sincerely, 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.

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 tha
n 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: Debt collection

To whom it may concern, Thank you for taking your time to read this. Our information was given to a third party company " SYNTER RESOURCE '' from " XXXX ''. The company ( XXXX supply ) uses third party delivering services ( XXXX ). We had an agreement with MRO supply for supply services ; therefore, the company initially contacted for services was XXXX supply. Our information was then given to XXXX, while not being in direct contact with them they have decided to charge us with nothing but an invoice. They do not have purchase orders ; however, we have a purchase order with XXXX XXXX and it states free shipping. Which is what the debt is in regards to. If someone could please assist, because we are getting calls from a debt collection agency. " SYNTER RESOURCE '' has not responded to the dispute letter we sent, and they have received the letter. We get an automated call with details of how much the alleged debt is everyday, and the calls do not let us speak to a live person. The company " SYNTER RESOURCE '' is also unresponsive to our phone calls or emails. Any assistance would be greatly appreciated. Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE REQUESTED THAT XXXX, EQUIFAX, AND XXXX XXXX PROVIDE VALIDATION AND THEIR METHOD OF INVESTIGATION ON MULTIPLE TIMES AND NOTHING HAS BEEN DONE. I HAVE SENT VALIDATION THAT ACCOUNTS DOES NOT BELONG TO ME BUT IT HAS BEEN IGNORED. I AM AWARE THAT XXXX HAS BEEN SUED DUE TO SHAM INVESTIGATIONS IN CONSUMER COMPLAINTS AND I HAVE BEEN A VICTIM. EQUIFAX HAS HAD DATA BREACHES WHICH HAS EFFECTED ME ALSO. I HAVE BEEN A VICTIM OF IDENTITY THEFT! I HAVE SENT IN POLICE REPORTS AND NOW I AM SENDING IN A FTC REPORT WITH HOPES OF RESOLVING THESE ISSUES.
Product: Credit reporting or other personal consumer reports

Receive a letter from LexisNexis dated XX/XX/XXXX, nice days later on XX/XX/XXXX, indicating they can not authenticate me and asking for additional information that I will not provide because refuse to provide biometric data or private data which they are no entitled. ( ex. passport copy, driver 's license copy, bank account document and other personal private data ). LexisNexis have all the identifiers needed to search and locate my file and with that authenticate me and correct all the incorrect information they keep on my name and sell and propagate to those looking for my information. We have been going back and forth since XXXX, some data has been corrected but a lot remains. 
To show that their claim that they can not authenticate me is no true and contradictory, with my letter of XX/XX/XXXX, I attached a copy of their letter - printed as a templet with their letterhead and logo -- where the authenticate me without any difficulty or issue on : XX/XX/XXXX. I am also in possession in the numerous back and forth communication I had with them in an effort to correct my record, their contact with XXXX, XXXX, and XXXX, where they accessed my file. It is impossible to access my information and at the same time say " they can not authenticate me ''. They have provided my record at time and some other they come up with that " excuse '' trying to obtain more data from me that they do not need. 
LexisNexis is providing excuses to not correct the information. All documentation was provided to you in the previous complaint that was closed.
Product: Checking or savings account

On XX/XX/XXXX, I opened the new checking account with Citi online promotion page. I registered the new account directly from the promotion page link. The promotion is : open a new citi bank checking account, deposit 2 times total {$1500.00} in 90 days. I completed the deposit on XX/XX/XXXX. I did not get any bonus more than 14 days now. I called Citi, they refused to help me resolve the issue.
Product: Credit reporting or other personal consumer reports

ON XX/XX/year> I WENT TO ENTERPRISE CAR SALES TO LOOK FOR A CAR. AS I SAT WITH A REPERSENTATIVE TO DISCUSS A VEHICLE. I WAS TOLD HE WOULD TALK TO HIS LOAN OFFICER AS I DID NOT PURCHASE A VEHICLE FROM XXXX XXXX, I WAS NOT TOLD THAT HE WOULD RUN MY CREDIT WITH MULITIPLE LENDERS, I NEVER GAVE WRITTEN CONSENT FOR ENTERPRISE CARS TO RUN MY CREDIT REPORT AND I SENT OUT LETTERS TO EVERY LENDER DISPUTING THESE ACCUSATIONS AND THEY ALL KEEP TELLING ME, THEY WENT THRU A THIRD PARTY. I ASKED ENTERPRISE TO SHOW THAT I GAVE THEM APPROVAL TO SEND MY INFORMATION TO THESE LENDERS WITH A COPY OF MY DRIVERS LICENSE AND SIGNATURE. I WAS ALSO TOLD THAT AFTER SPEAKING WITH XXXX XXXX THAT BECAUSE I DID NOT PURCHASE A VEHICLE THAT MY INFORMATION IS NO LONGER AVAILABLE TO THEM AFTER 20 DAYS I CALLED AND WROTE TO NAVY FCU, XXXX XXXX XXXX  AND XXXX XXXX. I HAVE DOCUMENTATION FROM NAVY FCU AND XXXX XXXX, I ALSO SENT A COPY OF MY DRIVERS LICENSE AND MY SOCIAL SECURITY CARD PROVING I NEVER GAVE PERMISSION FOR ANY 3RD PARTY TO RUN MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Equifax credit bureau is required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX  XXXX XXXX XXXX : {$1200.00}.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required XXXX Report for you and the bank 's records. Please remove these items. 
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 Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint to you today to request that the remaining fraudulent items be removed from my Credit Report. I appreciate your time to REMOVE some of the information in my file that resulted from the identity theft but I have ITEMS left that need to be removed. Per FCRA section 605 the Credit reporting Agencies are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. I need the dispute remaining items deleted completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  Balance : {$24000.00} ; XXXX XXXX XXXX  Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

US Bank is reporting late notations for XXXX on a credit account and XX/XX/18, XX/XX/18, XXXX on my mortgage account. I went through some pretty serious hardships and paid as soon as I could. I ask that US Bank please make a one time goodwill adjustment and remove the late notations on my credit file. This would help a ton and I have been a very long time customer and love banking with US Bank and ask they make a one time exception and remove the lates.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within at least 4 days of you receiving this complaint. The fraudulent, inaccurate, and false information of a personal credit card account, personal loan, and an auto loan opened. Due to the data breach from XXXX which also caused my information to be exposed. 

The following are accounts that are fraudulent XXXX  XXXX account number XXXX opened on XX/XX/XXXX. XXXX XXXX auto loan opened on XX/XX/XXXX under the account number XXXX. XXXX XXXX XXXX  auto loan account # XXXX opened on XX/XX/XXXX. XXXX account # XXXX opened on XX/XX/XXXX. These fraudulent accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and charge offs are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account, 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I never gave ( XXXX, Experian, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is XXXX XXXX A copy of the law is attached with this dispute. 
I have not given these companies permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. The offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

These companies also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

as per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from a advocacy group helping me due to human trafficking debt bondage which falls under trafficking according to trafficking debt final rule 1002,142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) I kindly request you block and remove this information from my report within four days pursuant section 605C of the fair credit reporting act please delete the following 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
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 XXXXXXXX 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 a account without 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 then records of convictions of crimes which antedates the report by more then 7 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. These are Fraudulent accounts and need to be removed.
Product: Debt collection

This now my second complaint with Title Max as it relates to there aggressive and threating tactics that the XXXX TN office uses when calling clients and there corporate office does absolutely nothing to resolve the problem. On XX/XX/2023. I received a call from XXXX at the XXXX office demanding in a very aggressive manner that I did not pay here today that there could be repercussion. I advised her that I would be able to make payment on Monday and she continued on with her threating tone and I advised her that I would contacting her corporate to let them know that its wrong to talk threaten people and she told me to call the office because they would tell me the same thing. I called back to get her name and told her that I was going to opening up at ticket with the CFPB and she told me she didn't care because she is certified through the CFPB and she told me to never call her again
Product: Credit reporting or other personal consumer reports

I am writing to ask for your help regarding these inquiries that were not permitted to be reported in my credit file. It was genuinely surprising to see them knowing I never allowed any of these to reflect on my report.
Product: Debt collection

Company : Key 2 Recovery I am currently serving in the military and was informed that the private loan I had taken through college had gone to collections under a total of {$19000.00}. I received the notification in XXXX 2016. I responded with a letter claiming the Civil Relief Act that would lower the interest to 6 % and also requested verification of the account. I received a response which listed my principal amount as being {$13000.00} and an additional debt of {$6500.00} listed as " collection cost. '' No proof of contract for the private loan was included in the correspondence. The company said nothing about honoring the Civil Relief Act. Since then, we have receiving phone calls threatening that my situation has been " escalated. '' I have not yet called to request clarification for this threatening statement. 

To date, my debt has been in collections for over a year. However, it has never been officially listed in my credit report. Insofar, I have not yet taken action as I question legitimacy of this account.
Product: Mortgage

This complaint is related to my previous numerous complaints against Citizen 's Bank and our application for refinancing which took more than one year but yet created problems and aggravation. The process for refinancing to 2.75 % home equity line of credit was complicated because the title deed of our residence is held in the name of a trust of which our grown up kids are co-trustees. Our daughter lives in Oregon and son in Pennsylvania. Documents for home equity line of credit needs their both notarized signatures. Time and again those documents were not done as required ( and we do not know the reason ). Finally the 2.75 % was given to us but the line of credit was suspended. In 2017 Citizen 's  bank increased the rate on this loan twice although the Federal Reserve raised interest rates so far only once. In XX/XX/XXXX the rate was raised to 3 % and in XX/XX/XXXX to 3.25 % which apparently was made to penalize us. Citizen 's bank started the process to make the documents again by sending our daughter mortgage documents again but raising the rate in XX/XX/XXXX clearly appeared to be punitive.
Product: Bank account or service

TD Bank put a hold on my debit card because they said I was not in state where acct was opened. Had to call them then they said it can take up to XXXX for card to start working again. Lady at TD Bank said I needed to call them every time I would leave the state, like they were my travel agent or probation officer and not my bank. The bank dis n't call me to verify transactions or anything they just turn off my card which is illegal to do with out contacting me XXXX. I want bank fined to the maximum extent of the law for each violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by XXXX XXXX  OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both Transunion and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known.
Product: Mortgage

Ocwen Loan Serving LLC reported my payment for XX/XX/XXXX late. I contacted Ocwen and told the my payment was sent thru XXXX XXXX in XX/XX/XXXX. Ocwen checked and my payment was sent in cash thru XXXX XXXX in XX/XX/XXXX. Ocwen corrected my credit report in XX/XX/XXXX but they did not correct their internal records.Their records show the payment received XX/XX/XXXX. I am trying to refinance my other house. When XXXX XXXX asked Ocwen for a payment report it said my payment was late. That is not true. This could stop me from refinance my house to pull out cash to help my daughter pay for College. She is XXXX at XXXX University. Also I had some debt that I was going to pay.