23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortage that is being serviced by Rushmore Loan Management Services. My loan does not mature till XXXX but the company keeps insisting that my loan has matures and i need to make a full payment of my mortage dues. I dis not understand the process and i initiated a refinance for my mortgaeg loan based on what Rushmore representatives told me. I started the refi process with XXXX XXXX. In the meanwhile, Rushmore Loan Services refused to accept or allow me to pay my mortage online and kept insisting that i need to pay the entire loan amount due. Apparently according to them the mortage was due on XX/XX/2021. XXXX  XXXX  promised to refi my loan but took longer than two months to process. In the meanwhile, Rushmore reported me delinquent on my current morgage despite the fact that I was willing to pay my mortage dues and they refused insisting that i need to refi in to a new loan. XXXX XXXX  than decided that given i was delinquent on my current loan, they could not give me the refi loan. ITs been a nighmare for me for the past two months. And now when i hired an attorney and reached to Rushmore Loan Managmeent, they prompltly accepted past due on the mortgage but are not taking the derogatory late payment from my credit file. Please help.
Product: Credit card or prepaid card

On XXXX, XXXX I realized that I am a victim of Identity theft for over seven fraud accounts were opened under my name, this happened after I requested the three annual free credit reports on XX/XX/XXXX. Although, one of the fraud accounts was already charged off in XXXX " JPMCB- CHASE Credit Card '', however, I insisted and went ahead and reported this JPMCB Card with all the three credit bureaus more than once, I also contacted the fraud department and the recovery department of Chase Bank XXXX than once trying to remove this fraud account from my name. My last contact was around XX/XX/XXXX, eventually they asked me to fax or mail many documents as a proof of identity theft and proof of address of when the fraud was committed. Accordingly, on XX/XX/XXXX, I faxed all the required documents including ( Cover letter & personal statement, Police Report, FTC ID theft Report, 3 different proof of addresses documents ( Back dated to when the fraud was committed ), Proof of Identity ... etc. 
On XX/XX/XXXX, I received a letter from CHASE Bank stating that Chase has provided the three credit Bureaus with the correct information, however, after I called Chase on XX/XX/XXXX to know what does that mean, they stated that after their investigation, they found out that the account was valid and not fraud. I want to escalate this case please and remove it from my name, and willing to help the authorities in any investigations or information they seek.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following Accounts XXXX XXXX account # XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX XXXX account # XXXX Balance {$500.00} XXXX XXXX  account # XXXX Balance {$8000.00} XXXX XXXX XXXX account # XXXX Balance 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: Checking or savings account

CFPB & Wells Fargo : XX/XX/XXXX I was awaken by a phone call saying my checking account has been charged-off, and it had a negative balance on it. After reviewing it with the agent who originally called we determined there was all-sorts of fraud on the account. ( XXXX, XXXX, XXXX, XXXX XXXX. ) so she immediately sent me over to a claims specialist. The claims specialist was able to open up all of the claim ( s ), when I requested for the account to be re-opened and my contact information be updated and new card to be mailed to my P.O Box he said he would send me to a phone banker to do so, and give them the claim ID for me for my records. 

None of that happened. I got to two agents ( phone banker, phone banker ''supervisor '' ) they both said there was an option to HARD REOPEN the account but it was ineligible. Due to the circumstances as I planned on moving over XXXX in assets to this account to use it as my personal account from here on out, I feel like this is a bad way to handle business. 

At this time, I'm requesting that either you guys re-open the account up and remove any freezes on it, mail me a new debit card with a new PIN ( to my P.O BOX. ), and revert any fee ( s ), and refund my money from the fraud claim ( s ) to the account. 

If you can't do any-of that I would like you to explain to the CFPB, and XXXX  why you can't do that. If all-else, you guys cut a check for whatever you owe me ( fraud, and fee ( s ). ) Updated Contact Information : XXXX XXXX XXXX - XXXX, TN XXXX ( Mailing Address. ) XXXX XXXX XXXX XXXX XXXX, TN XXXX ( Where I live. ) XXXX ( Mobile Phone Number ) XXXX ( Email ) My Information : Yes, I know it says not to but there is no field for it for Wells Fargo to ID me. Social is XXXX, Date Of Birth XX/XX/XXXX, this is in regards to my checking account that was charged-off, not the brokerage account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00}, and XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}.
Product: Mortgage

Company : Flagstar Bank , FSB. XXXX, MI Date : XX/XX/XXXX Action : - Requested a pay-off statement, to pay down the rest of my mortgage balance. 
- Received a pay-off statement on XX/XX/XXXX, valid through next day XX/XX/XXXX, which stated the amount I need to pay Flagstar Bank , FSB to payoff my mortgage. 
- Made an over the phone payment of full amount, from my bank a/c, on XX/XX/XXXX. 
- Specialist on the phone said no further action on my part is necessary. 
- My mortgage has been paid down in full. 
- Monthly auto-payments from my bank would be stopped, Further Actions, 2 months later in XX/XX/XXXX : - Received 3 calls, from collections, saying that I did not make monthly payments on my mortgage in XXXX. 
- When I tried to explain, that I can't have an outstanding balance on a fully paid down mortgage, the agent on phone said they don't want to hear about it. They need me to make a payment. 
- Received a letter, by mail, that if don't make monthly payment by end of XXXX, my a/c would be in default and subject to reporting to credit rating agencies. 
- I called customer service 3 times & explained the situation. 
- They said they can print a new pay-off. But the statment contained interest payments on outstanding balance and fees which I have already paid.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 I made an online payment on their website. Monthly payment is for {$270.00}. I made a payment for what I could afford that day which was XXXX. 
Website froze, message of, don't go back or refresh pop up and then I was charged {$720.00} instead of what I input for authorized payment. 
Filed a claim with them, multiple calls, emails, 11 overdraft fees for {$36.00} each due to their websites error on my bank account. 

My bank stopped the payment, put money back in my account before all those overdraft fees but Lending point took the money from my account again, knowingly it was a mistake and a claim was filed. 

After lots of back and forth and promises by supervisor XXXX XXXX using her work email, XXXX To refund the whole amount and pay for the overdraft fees, final answer was, her boss told her they won't be able to refund any money or any of the overdraft fees. 
They're violating my consumer rights when it comes to federal and state rules, laws, and regulations that govern financial institutions. 
I'm filing a claim against them for abusive unfair and deceiving business practices.
Product: Vehicle loan or lease

I got a loan for a used car XX/XX/XXXX from Associated Bank. I have consistently had problems making payments through their website, with checks, etc. I have made all my payments but they are showing me in arrears. Not only have I made the monthly payments I have made principal payments of XXXX in XXXX, XXXX in XXXX and XXXX in XXXX. The first time I tried to make the principal payment in XXXX of XXXX through their website they sent me a letter that my bank did not send. I don't know how that happened but made the payment a second time through their website which they finally received. XXXX 's payment I mailed a check on XX/XX/XXXX along with other checks for bills, etc. The other checks were cashed but Associated Bank called me saying I didn't make XXXX 's payment. The check was never cashed. I was told they would take XXXX payment from the XXXX principal payment I sent in XXXX. That was XX/XX/XXXX. To date, this payment has not been applied to the loan and every time I call they say it is on their end but my account online still shows behind. First it was I needed to wait 24-48 hours for it to show. It is not XX/XX/XXXX and we are well past the 24-48 hours. They also make making principal payments difficult stating that when I do that I need to call every time and tell them to apply to principal. I am NOT late on this loan nor have I ever been late on ANY loan I have ever had. It is difficult and arduous to talk to this company and when they say its taken care of why wouldn't it show on my online account. Every time I call it is a different excuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED the inaccurate items in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out. Based on FCRA segment 605 you are required to eliminate some erroneous items on my credit file. I've proactively remembered this report for a past letter and I am including it once more. I am contucted my lawyer regarding my complain and they are eager to make actions to investigate regarding this matter. Kindly be attentive to my complain and I want you to investigate too. These are the following items that are needs to be remove : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX XXXX  ; XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$6200.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I'm a victim of XXXX XXXX. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance Owed : {$7100.00}
Product: Debt collection

Midland Funding LLC XXXX XXXX XXXX XXXX Bank, by their attorneys, XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, NY, sued me in District Court, but never served me with the court paperwork. I later found out that they were reporting a default judgment on my credit report. I never even knew they obtained any judgment against me. I was never provided with notice or given an opportunity to defend myself against this case. I was able to get a copy of the Affidavit of Service from the court, and the information in the Affidavit of Service claims that a person was served at my residence, but it was not me. In addition, the purported person does not even exist. Nobody at my residence fits the description of the person allegedly given the paperwork. Also, the affidavit says that the summons and complaint were mailed to me. This is also not true. Nobody in my household was ever served with the court papers, and the court papers were never mailed to me. In addition, I did not get a copy of the motion papers seeking the default. Nor, did I receive a copy of the judgment. I only found out about this because of they had reported the default judgment to the credit reporting agencies and now there is a serious blemish on my credit report, which is entirely fraudulent. The process serving agency listed on the Affidavit of Service is XXXX XXXX XXXX XXXX , XXXX, located at XXXX. XXXX XXXX, XXXX XXXX, NY XXXX.
Product: Checking or savings account

My XXXX year old mother had XXXX surgeries last year throughout 2020 and she is also suffering with XXXX. She banks with BB & T, now Truist. Last summer she apparently had bank statements returned undeliverable by the postal service for XXXX and XXXX. For some unknown reason, her account was changed to electronic delivery in XXXX. However, BB & T continued to charge her money market account {$5.00} per month for 7 months, until we recently realized it. The customer service representative XXXX XXXX XXXX and the manager ( XXXX  ) at the XXXX, NC branch refused to waive all of the fees regardless of the circumstances. 

How many other people, especially handicapped people like my mother are getting charged inappropriately like this? 

Even if bank statements were returned by the post office for all of the 7 months, banks should discontinue sending mail to a " bad '' addresses after a few attempts. Perhaps that is why the delivery was changed to electronic? We didn't get an answer to that question. But, continuing to send mail to a bad address and charging an " undeliverable '' fee for months on end has the appearance of fraudulently trying to rack up fees and taking advantage of people.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have filed disputes with XXXX XXXX XXXX XXXX and all 3 bureaus for this account, i asked for them to conduct a full investigation for accuracy and they come back verified, how have they verified this account if there is not even a comment saying thhat thhe account is in dispute? they didnt and this is a clear violation of my rights, this report is inconsistent between all 3 bureaus ... different ig credit, different past due, diffrent 2 year history, different credit limits and te account has been re aged, i have attached a snip of my 3 bureau report for proof as well as a few dispute letters that were sent out months ago
Product: Mortgage

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXXXXXX Subject : Request for Goodwill Removal of Closed/Transferred Account To Whom It May Concern, I am writing regarding an account previously held with XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX now closed and/or transferred. The account number is XXXX, and it appears on my credit report as a closed account. 

While this account was transferred/closed, I respectfully request that you consider removing it from my credit report as a goodwill gesture. This account may be having a negative impact on my credit score despite my efforts to maintain a positive credit history.

I understand that this account may have been reported accurately ; however, I would greatly appreciate your assistance in removing it to reflect my ongoing financial responsibility. Having this account removed would help me achieve my financial goals. 

Thank you for your time and understanding. Please let me know if you need any additional information to process this request.
Product: Debt collection

Today I contacted Receivables Management Systems and made a payment in full for two accounts totaling close to {$250.00}. I asked for a pay for deletion and was told to send a written request. I noticed that amount reporting is {$31.00}. I called back to see why the balance was reporting was only {$31.00} with the bureaus and was told that they were not sure and there was no pay for deletion. I am not working due to COVID-19 and used some of my stimulus money to pay the balance. I wanted to pay what was due but was misrepresented with the incorrect balance and information. Furthermore my Hippa rights have been violated.
Product: Credit reporting or other personal consumer reports

To my shock, I found incorrect accounts listed on my credit report this morning, and Im baffled as to why. I routinely check my report, but this time there were unexplainable discrepancies. I tried refreshing the page, thinking it might be a technical issue, but nothing changed. I am pleading for the documents Ive submitted to be carefully reviewed so I dont have to live in constant anxiety about this happening again.
Product: Checking or savings account

On XX/XX/year> my Truist checking account was frozen due to fraudulent activity. When contacting the bank both by going to nearest branch and by calling Truist fraud department was told account is under investigation and that nothing can be done till the investigation team has finished reviewing the case. After calling religiously for over 2 weeks the case is still under investigation with no rather context as to what the status of the matter is. On XX/XX/year> when calling Truist fraud department it was finally brought to my attention that my checking account had been closed without any notice coming from the bank. After knowing this information I requested that Truist mail me a check with my remaining balance that was last in my checking account before it was closed. Was told that wasnt possible as the fraud department was still investigating the matter even though the account is now closed. The raise of concern for the fraudulent activity I was told was because of a large one time deposit made, the account is a new account and doesnt have much transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the company a few weeks ago and asked them when they would stop reporting to credit bureaus and I was told that it would be removed once my bankruptcy has discharged. My bankruptcy has discharged and they are still reporting to the credit agency XXXX that the account is still open in collections.
Product: Checking or savings account

During the period from XXXX to XXXX, the " Company '' engaged in activity that netted the Company additional, unwarranted overdraft fees. My account had direct deposit income from my work income on a regular, biweekly basis. Over the course of these XXXX years, I later realized that my direct deposits were deliberately delayed, even by a day or less, to cause an overdraft charge on my account. The fees were unjustifiably charged since the direct deposit would have provided enough funds to cover the debt being charged to the account. 

I also realized later that the Company placed a larger charge onto my account before multiple small charges went onto my account for debit card charges. I knew the debit card charges occurred before the larger charge. The company was benefitting by creating more overdraft fee charges that would have only been one overdraft charge if the smaller items charged went onto my account first.

The Company is Wells Fargo.
Product: Credit card or prepaid card

To whom it may concern, I am having issues with disputing an amount on my Lord and Taylor Card which is now being managed by Capital One. Ever since Lord and Taylor filed for bankruptcy and started to be managed by Capital One, I have been having major issues receiving the bill to my home. I already checked with neighbors and the local post office and they claim no mail is being held back. I have no issues at all receiving my other credit card bills from XXXX XXXX, XXXX XXXX, etc. I called Capital One and they claim that on their end, all mail is being delivered to me. I was so confused as to why I was not receiving the bill in the mail. This has forced me to sign up on Capital One 's website ONLINE to pay my bills online in a timely manner. Also so that I can also get a reminder via email to pay my bill. On XX/XX/2021, I saw that the remainder on my bill was {$1600.00}. I decided to pay this full amount and assumed that the entire amount has been paid off and that I no longer have to worry about this Lord and Taylor card. After this, I have received zero emails for any outstanding payments as I usually would, even though I am signed up for emails and I still did not receive any bills to my home. Now in XX/XX/2021, I started receiving some alerts on my credit score. I discovered that I have an outstanding amount of {$150.00} at Capital One, which was originally {$30.00} interest charge that was applied AFTER I paid the full amount of {$1600.00} and all the additional interest and late fees that accumulated up until now and I had NO IDEA! I received NO emails and NO mail about this unpaid {$30.00} which has now accumulated to {$150.00}. This was applied to my account TWO DAYS AFTER I paid the amount of {$1600.00}. I was appalled and feel like I am being scammed and taken advantage of. I believe the company intentionally stopped sending me email notifications on balances due on this {$30.00} so that interest and fees would continue to pile up and that they would try to make me look like I was avoiding to pay my bills. I spoke with a manager at Capital One and she did not care that I was not receiving the bills and notifications to my home because she said that in their " system, '' it was indicated that mail was being delivered. She made it seem like I was lying or trying to get out of paying my bill which is not the case. I am not sure why a person would WAIT months and have late fees and interest fees piled up and ruin their credit score. How would that benefit me? I received zero MAILS, EMAILS, neither any phone calls or voice mails about an outstanding amount. This is totally unfair treatment of the consumer and Capital One failed to notify me to pay the original bill so that additional fees and interest can be piled up against me. Capital One is trying to squeeze out every penny they can from consumers and are not willing to accommodate when they failed to send me ANY sort of notifications.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company, or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

ACCOUNTS : XXXX XXXX XXXX and XXXX XXXX XXXX.