23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Rushmore Loan Management Services are currently servicing my mortgage loan on behalf of the loan investors and XXXX XXXX is the loss mitigation officer in charge of my loan. The week prior to XXXX I contacted Rushore to speak to them about a payment agreement to allow me to catch up with my mortgage payments ; I did not wish to modify my loan because my current mortgage loan rate is very very good! In XXXX I mailed to Rushmore a mortgage payment less than the monthly loan payment because there was an unapplied balance. The check was returned to me ; I attempted to mail another check with the full monthly payment and that check was also returned to me. When I called to start a payment plan with XXXX, we reviewed my current wages and monthly obligations, initially there was not enough income available to process a payment plan ; at that time I said that I may have some additional income if I were to withdraw from my XXXX plan with a penalty. The plan was discussed with XXXX who told me she would present it to the investors and get back to me by the tuesday before XXXX ; I never received a call from her or any paperwork regarding the loan payment plan ; at that time I mailed a loan payment worth 2 monthly payments in order to begin catching up ; I have mailed another payment equal to a monthly payment plus more ; both checks were cashed ; XXXX said that I should modify ; I refused to modify because my new loan rate w/b XXXX higher than my current mtg rate making mtg payments impossible for me to pay! 
on XX/XX/XXXX I received a letter from XXXX ( see attached ) saying that I defaulted on my payment plan! Which payment plan? I never received any paperwork from her ragarding said " payment plan '' ; one of the bullet points says that the payment that was due XX/XX/XXXX was not met! I did not even call Rushmore to talk about a payment plan until XX/XX/XXXX! Actually there are a number of points on the letter that dont even apply to my situation as none of the bullets point are really marked! none of the points really apply to me!
Product: Vehicle loan or lease

We, XXXX XXXX XXXX, have facilitated a consumer lease buyout for a customer through Bank of the West. We dropped off payment at our local branch XX/XX/XXXX. We first began calling regarding the title XX/XX/XXXX, since that date we have completed 5 calls each with a hold time of 45-57 minutes. There were 2 additional attempts at contact, but we had to disconnect due to the extended hold time. We have spoken with 3 different individuals, but have spoken with XXXX, employee id # XXXX, the last two times ( XXXX and XX/XX/XXXX ). 1st call- We have been lied to several times : told the title was an electronic title and it had been requested-it is not and never has been. It is a paper title since orientation. We were told it had been mailed to a branch in XXXX, it was not. 2nd call-I was told that title was requested and that I would receive a call within 24-48 hours. I did not receive a call. XXXX My associate called and asked to speak with supervisor, we were given XXXX. He advised that title would be sent XXXX and that we would receive a tracking number by Monday at the latest. XX/XX/XXXX I called in and asked to speak with a supervisor. Again I was given XXXX, I vented my frustrations, was told that he was unaware of the situation, so I then reminded him that he, in fact, was the last person we spoke with. He then told me that the title was in notary status and I advised that Nebraska titles do not require a notary and had not in over 25 years. I advised him that he had lied to me and that I had caught the bank in several untruths. I asked to speak with his manager and was told that there wasn't anyone else to speak to. I advised him that I would go to our local branch and at that point he told me that there was a manager that he could leave a message for and that it would be a 24-48 hour call back time. Upon ending the call I did reach out to the local branch, but it was closed. I called the customer service line for checking, gave the supervisor there, XXXX id # XXXX, the information for XXXX and he advised that he would also send a message to XXXX 's manager. At this point it has been beyond 30 days since payoff. My customer has assessed DMV penalties and is unable to drive their vehicle legally.
Product: Checking or savings account

During XXXX of 2016, my phone, and wallet were stolen at a downtown nightclub. Shortly after I was charged with outstanding overdraft fees, due to fraud activity. I notified the bank ( bank of America ) about the issue and filed a complaint. After a slight investigation, the bank came to the conclusion that it was indeed fraud and I was possibly at fault. The only fault I had was checking my account on another friends mobile app. The bank was uncooperative with any further assistance and then proceeded to close my account. The outstanding charges were up to {$560.00} dollars. Please get this problem eradicated, I 'm in desperate need of a checking and savings account. Please and thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have tried repeatedly to get PNC Mortgage to report correctly on both my mine and my husband 's credit reports. We had to file chapterXXXX bankruptcy in XX/XX/XXXX. We put the past due balance in the bankruptcy, but we continued to pay the current mortgage directly to PNC during the 5 years of the bankruptcy. We made consistent, on time payments the whole 5 to date. They reported the account closed during the 5 years. After discharge in XX/XX/XXXX of XX/XX/XXXX they still showed our account closed. I disputed it, because the account was never closed. They said they showed it closed because of the bankruptcy. They corrected that and now it shows the account opened, but they still refuse to show payment history prior to discharge. They made sure to put the past due payments on there prior to filing bankruptcy. This is still effecting our credit negatively on top of the bankruptcy itself. We are trying to move forward and have worked hard to repair our credit these past 5 years, establishing an impeccable payment history, but they are continuing to punish us, by not acknowledging it on our credit reports. Please HELP!
Product: Debt collection

Re : SYNCB/PPC This letter is sent in response to a phone call I received on XX/XX/year>. I am requesting that you provide verification of this debt. 

Please send the following information : The name and address of the original creditor, the account number, and the amount owed. 
Verification that there is a valid basis for claiming I am required to pay the current amount owed.

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Whether this debt is within the statute of limitations and how that was determined. 
Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the name, address, and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

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

For all three credit bureaus ( XXXX, Experian, XXXX ), my account balance for a XXXX XXXX XXXX XXXX closed account has failed to be updated to {$0.00} ( XXXX XXXX  XXXX, REPORTED BALANCE {$720.00} ). The balance was paid in full in XX/XX/XXXX and I even received a letter from XXXX XXXX   XXXX XXXX dated XX/XX/XXXX advising that I don't have a balance and that my credit reports will be updated to show my {$0.00} balance. A telephone call with a representative from XXXX XXXX months ago suggested they had already reported my {$0.00} balance back in XX/XX/XXXX, yet my credit report from each credit bureau has yet to be updated. Furthermore, I've disputed the account balance multiple times with no success.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX The information listed below, that is currently listed on my credit report is a result of that XXXX Listed below are the Personal Information that are being challenged Incorrect 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXX XXXX IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

I requested my report on the annual credit report website and was denied access to my report because I failed the security questions and tried to reach out by phone and I had issues trying to contact them because of my phone contains malware and someone took control over my data and information. I want to cancel all services concerning the credit monitoring because of my data being sold online without my consent and ongoing abuse.
Product: Student loan

I received 5 different emails with 5 different payment amounts for my student loans. See below for dates and amounts : XX/XX/XXXX : {$260.00} XX/XX/XXXX : {$260.00} XX/XX/XXXX : {$130.00} XX/XX/XXXX : {$160.00} XX/XX/XXXX : {$290.00} On XX/XX/XXXX, I called and spoke with a representative XXXX XXXX XXXX who after asking a series of questions, did not help me at all and sent me to an automated survey. I called right back, got the same representative. She did not at all apologize for disconnecting me. She did not offer me any help, nor did she offer me a clear explaination as to why this company is telling me 5 different payment amounts to pay. I need to know my monthly payment amount, due date for certain. She said the lowest payment option for me is {$290.00}, and I asked to speak with someone who can help me. 

Aidvantage has not sent any emails to me stating that they have made any errors with payment amounts provided. This is outrageously confusing as a consumer who wants to pay their bills. I would like a clear explaination in writing about why I received so many different amounts, and I am requesting a lower monthly payment until I am in a position. The representative is struggling to explain as I type this.
Product: Debt collection

This company had called and threatened coming after my family and I filed a cease communication. Since then they just change people calling all of my family. They continue to threaten my brother, sister, and mother. They called my brother and threatened to find out where I live and constantly harass my family. I no longer live with my family and I have been unemployed. I have been going to college and have been trying to just survive. I wish to resubmit a cease communication again.
Product: Debt collection

Please thoroughly validate all the information provided. This entails ensuring that each detail presented is accurate, complete, and in compliance with relevant laws and regulations. Validation encompasses verifying the authenticity of documents, confirming the accuracy of data entries, and ensuring that all information aligns with established standards and requirements.
Product: Mortgage

Received a letter on XX/XX/2020 being charged {$88.00} for supposedly paying mortgage late. in my payment history I have always paid my mortgage before the XXXX of every month. This month I paid on XX/XX/XXXX a Thursday. My bank shows it cleared on Monday the XXXX but this " Mortgage Payment Reminder Notice '' was sent out on a Sunday dated XX/XX/2020. I know my banks don't do business on Sundays and I definitely know Specialized Loan Servicing doesn't either. I believe their is a new predatory tactic starting up for homeowners who are paying their mortgage. 

I have had to deal in the past with forced placed home owners insurance and it was a complete nightmare to correct and we never quite recouped from that experience. I cringe in fear whenever I get a letter from SLS. Its never good news. I have attached the letter we received and hope you can assist us and maybe be alerted of this new way of adding homeowners to an automated system that makes them look delinquent on their mortgage. 

I tried to call SLS on the XXXX and you can't speak with anyone nor hold for as long as you can because it only offers a call back option. 

what about people who are working and can't have their phone on them? Its just horrible service and the system is obviously set up for you to give up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB Staff, My name is XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX staff 's mistakes and lies have severely damaged my credit scores which is hindering my ability to improve my living situation. 

I made a payment on my credit card with their Phone Support Staff last month in XX/XX/2022. I did this with their staff on the phone going through the entire process going through their staff telling me their terms of service and if I agreed. I did agree. However, even though their staff told me they processed my payment their staff never did. This has resulted in an unjust and fraudulent Late Payment on my Credit Report with all the major Credit Bureaus.

I called again last week when I discovered there was something wrong. I paid my entire bill and was informed that this fraudulent Late Payment would be removed from my report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's staff along with my unjust late fees return. XXXX XXXX has just notified me this employee lied.
Product: Credit reporting or other personal consumer reports

For at least the last 3 yrs TransUnion has been providing me with one credit report while providing creditors with a completely different and adverse credit report and in their attempt to hide this from me have refused to provide me with a credit report through the Annual credit report process, denying me 6 times over the past 3 years claiming the information I provided is wrong, which it is not as the information I have provided matches what TransUnion has. Transunion has denied my request online and via phone, deliberately violating my rights to my property. 

As a result, I was considering hiring an attorney, XXXX XXXX, until I spoke to a family member who is a field agent for the FBI. He advised me to mimic how the feds investigate. Sitting back allowing the perpetrator to do their thing and build my case. I took his advice and for the last 3 years have been building my case. Truly glad I took his advice and ready to move forward with a very strong case against Transunion. Yes, Transunion, I got you. 
Here are a few of the deliberate crimes committed by Transunion. 
Failed miserably to address any of my 14 complaints through the CFPB, numerous times claiming an item was removed ( Student loan delinquencies ) when in fact that never were.

Provided me a fake credit report at least 3 dozen times while providing creditors with a very different and adverse report For instance the credit report TransUnion provided me through 2 separate memberships claimed I had a Transunion FICO score XXXX of XXXX & through XXXX XXXX a score of XXXX. However I applied for 3 separate lines of credit where TRANSUNION PROVIDED THOSE CREDITORS a score of XXXX. Very big discrepancy. ( I attached the denial letter with the score receive from TransUnion ) I have also attached copies of TransUnions refusal to provide me with my free credit report through the annual credit report website. I also was refused over the phone and via mail.
Product: Checking or savings account

I was checking my bank account today XX/XX/2019 online and I found a fraudulent transaction by " XXXX XXXX CA XXXX '' for the amount of {$260.00} that I reported to the bank immediately by calling XXXX. The customer service representative cancelled the debit card and will be replaced this way there are not going to be more fraudulent attempts with this card
Product: Debt collection

This attorney keeps calling me at home and at work to try to get a hold of my boyfriend. The debt is not mine and even after telling them on numerous occasions to stop contacting me they still call every day. They are putting my job in jeopardy every time they talk to the my boss. They know everything about me and they should n't.
Product: Debt collection

Dear IC System Team, I am reaching out to file an urgent complaint regarding an unauthorized and fraudulent collection account reported by IC System on behalf of XXXX XXXX XXXX, which has appeared on my credit report. This account is a direct result of identity theft and is causing significant distress to my financial standing. 

I want to emphasize that I have never conducted any business or held an account with XXXX XXXX XXXX at the address associated with this collection account. This discrepancy indicates a clear case of identity theft, which has unfairly impacted my credit history and overall financial well-being. 

The presence of this unauthorized collection account has created an erroneous and unjust impact on my credit report. I am formally requesting the immediate removal of this account from my credit report. Additionally, I insist that all collection activity related to this account by IC System cease immediately. 

It is evident that the reporting of this account violates the Fair Credit Reporting Act ( FCRA ) due to its fraudulent nature, and I firmly believe it infringes upon my rights as a consumer. I demand prompt action to rectify this situation and to restore the accuracy and integrity of my credit report. 

Enclosed with this complaint, you will find supporting documentation that substantiates the claim of identity theft and the erroneous reporting of this collection account by IC System. 

I urgently seek your intervention to investigate this matter and ensure the immediate removal of this fraudulent account from my credit report. Additionally, I request your assistance in halting all collection activities associated with this account. 

Please do not hesitate to contact me should you require further information or supporting documentation. 

Thank you for your immediate attention to this matter. I eagerly await your prompt resolution and assistance in addressing this issue. 

Sincerely,
Product: Debt collection

Today. XX/XX/2022 XXXX pm Received call from XXXX Caller stated they were from TransWorld Systems Incorporated and they asked for my name. They stated they were trying to collect the debt from XXXX XXXX XXXX. 
This debt has gone through 5 different collectors and paperwork was submitted 5 separate times via certified mail, that this debt is not mine and that it belongs to a deceased person 20 years ago. This company is abusing its power and misrepresenting themselves and their power to attempt to collect monies that are not owed to them. Please regulate them.
Product: Vehicle loan or lease

Purchased a new XXXX XXXX from XXXX XXXX in XXXX XXXX, IL on XX/XX/XXXX which I financed through Hyundai Motor Finance. In XX/XX/XXXX, I paid off this loan. To date, I have not received my title, release of lien or any other payoff documents. 

I have made multiple calls to the customer service reps without who always say they will send an email to their title department, but never get any response. I have also spoken with three different supervisors who told me they have the power to get this resolved, but they are ineffectual. 

It has been nearly 8 MONTHS since my vehicle was payed off without receiving my title and other documentation. I want to sell the vehicle, but I cant due to HMFs inability to deliver my documentation. 

I am hoping you can provide assistance in resolving this matter.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/2015 Amount : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Product: Money transfer, virtual currency, or money service

My account was permanently deactivated on XX/XX/year>. I reached out to them last week to unfreeze my number from being hacked years ago because I had been using Venmo for the past 5 years with no problem but wanted to use my current phone number. When I emailed them this week about unfreezing my current phone number they deactivated my account with XXXX warning this time with funds in my account. Years ago I was deactivated when my phone was left at a party and my account was hacked someone got into my account and did some activity on my account that I was not involved in. I got my phone back the next day and I was banned. I contacted Venmo and they did nothing to help me. I was able to get back onto Venmo with a new number and phone a couple of months later and have had no issues because I do not do anything illegal or wrong on my phone. This deactivation has been a big and sudden problem for me because I use Venmo for various payments in my life. I am trying to escalate it for further investigation because the company is not emailing me and I am getting XXXX responses. I am trying to keep using this form of payment because I use it for my company and my day-to-day life. Please assist me with this issue!