23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

So we need help and so does a lot of other people. In XXXX our mortgage was bought out by a company named Rushmore Loan Servicing LLC. We have had nothing but issues with them ever since. It started in XXXX when I tried to make a payment. They refused payment and said that they couldnt process it yet due to them switching the service over. Tried again in XXXX and I got the same answer. I had had XXXX in XX/XX/XXXX so at that point ( XXXX ) we had started using the money for other bills because I was out of work. So this snowballed for a few months. Got put into foreclosure. Stopped that by filing bankruptcy. We were approved for a loan modification ( our payment was {$1200.00} the load mod went to {$2200.00} ) Was put on a six month trial period, which we did. We were told that after the trial period was over and we made all those payments they would adjust the loan and we would be caught up. Well that was a lie. The payment they wanted us to sign for was more than what the trial period payment was. The trial period ended XX/XX/XXXX. We made regular payments ( not the full amount but more than what our original loan payment was ) from XXXX in XXXX we started perusing to sell our house. Our realtor looked over the last statement we had and nothing added up so she called them and was informed that our house was in foreclosure and the only reason the auction went through was because the foreclosure attorney couldnt make it. We had no idea. We didnt get any paperwork with that information. We told them we didnt get any paperwork and they said that they sent it to us. They didnt. So in XXXX we applied for another loan modification sent in all the required paperwork. We would call to see what that status was of that and was told so many different things. That we were all set, we needed more paperwork etc ... we did everything and sent everything they asked but it kept changing. We had another foreclosure date set for XX/XX/XXXX and was told that our loan modification was denied a week before the foreclosure. So from XXXX they were deciding on that? You can call them 10 times and ask the same exact question and get 10 different answers. They never call back when messages are left. My realtor has called and left messages with no return phone call. We have left messages with no return calls. We filed bankruptcy again to stop Mondays ( XXXX of XXXX ) foreclosure just so we can get this house sold. But we are afraid that we will start losing offers because this company takes so long to respond if they decide to respond. Please reference Rushmore  loan servicing sucks XXXX group. We arent the only ones having these issues. So so many people are going through or have gone through the same exact thing we are going through right now. Im so sorry this is so long. This isnt even everything and some of the time line may be a little off. Im at my witts end and am not sure where to go from here. We cant afford a lawyer and my husband hasnt worked since XXXX and hasnt gotten a pay check since XXXX.
Product: Checking or savings account

On XX/XX/year> I got my tax refund deposited into my XXXX  XXXX account it was total of {$2400.00}. I made XXXX transfer to my new Truist account that was only couple days old I XXXX {$580.00}, {$750.00}, {$850.00} thats a total of {$2100.00} into my new trust checking and money marketing account I XXXX {$250.00} into my credit union account to pay for my braces and I XXXX {$40.00}, {$60.00}, and {$85.00} back into my XXXX  XXXX and discover account that should leave me with {$1500.00} into my money marketing account and {$160.00} into my checking account few hours later I tried to log in and my account is closed due to fraud?!? I simply told them that was me that made those transactions they told me to send my personal information to XXXX such as my social security card, debit card, my drivers ID, the XXXX confirmations and selfie of me! Which I provided they still made the decisions to close my account Ive been on the phone with them since XX/XX/XXXX and they been giving me the run around saying I wont see my money again! Theyre going to mail me check, and my money is with the treasury and saying again theyre going to mail me check I just want my {$1700.00} back. They been lying to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently divorced and as a result I was relieved of all financial obligations of a loan with XXXX that was taken out by my ex-spouse. This decision was a judgment as a result of the divorce and separation of assets. XXXX is not honoring this judgment and continues to report this account to my credit file when I have no legal obligation to this account. Due to the abuse at the hands of my ex spouse, XXXX is continuing to allow the financial abuse to continue. XXXX should honor the court 's judgment and cease reporting this account to the credit bureaus. This ongoing fraudulent reporting has caused me emotional and financial hardship and distress. 

Loan Information : Account number : XXXX Account owner : XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), I am writing to file a formal complaint against the following accounts listed on my credit reports, which have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These violations are detailed below : Violations : 15 U.S.C 1681 Section 602 ( a ) : This section affirms my right to privacy, which has been compromised by the improper furnishing and handling of my personal information.

15 U.S.C 1681 Section 604 ( a ) ( 2 ) : This section clearly states that a consumer reporting agency can not furnish an account without my written instructions, which has not been provided in these cases.

15 U.S.C 1681c ( a ) ( 5 ) : This section prohibits the inclusion of any adverse information in a consumer report that is more than seven years old. The accounts listed below contain adverse information that predates the legally allowed time frame.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section prohibits the furnishing of information that is known to be inaccurate. The accounts listed below contain inaccuracies that have been reported despite reasonable cause to believe they were incorrect.

15 U.S.C. 6802 : I did not receive the required opt-out notice at the time of account creation, which violates my right to opt-out from the reporting of non-public information.

List of Accounts : Below is the list of accounts that have violated the aforementioned sections of the FCRA and other related laws : 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 Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I had a capital one credit card ending in XXXX, on XXXX XXXX XXXX there was a fraudulent transaction of {$250.00} on my credit card, I did speak with someone in the Capital one Customer care but they are refusing to address my complain and bring a solution to it, they said someone will call me back soon regarding this problem but no one called me.
Product: Debt collection

My name is XXXX XXXX XXXX and had an work related accident in 2016 and was transported to the hospital with XXXX XXXX XXXX. This was work related and all expenses was related to the workers comp. 
I had the office of XXXX XXXX handle the situation and had the workers comp paid all expenses. 
I try to explain the creditor United Collection Service Inc the situation and the have never remove same from the XXXX  report. 
You can verify this with the office of XXXX XXXX XXXX XXXX : Mr. XXXX XXXX Tel : XXXX office : XXXX Thank you and please correct this matter for me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Florida XXXX
Product: Money transfer, virtual currency, or money service

I had an account with Wise.com and I received USDXXXX in that account from my buyer in XXXX on XX/XX/2024 and then I had processed one outward remittance of USD XXXX to my XXXX supplier, after that Wise has closed my account right after processing outward remittance without giving any reason/explanation and kept our USDXXXX We request CFPB to investigate this case and help us returning money to our XXXX buyer who made the payment of USDXXXX otherwise they will file legal case against us.
Product: Credit reporting or other personal consumer reports

I had a home loan through XXXX XXXX, it states through their records and my personal bank statements that I was 30 days late in XXXX and XXXX of 2023. Have verified XXXX, but on equifax, XXXX and XXXX other showing dates for XXXX, XXXX, XXXX and XXXX were late. XXXX and XXXX has even been taken off of advantage credits reports once taking a XXXX wall call and verifying. 

Equifax and XXXX stated they needed a statement or something from XXXXXXXX XXXX stating which months I was late and to confirm XXXX and XXXX were not late, they obliged and sent a statement and record of payments attached ( as well as we attached my bank statements ) with my name and info attached in XXXX XXXX statement verifying it was me. These credit bureaus said that that was not enough, XXXX XXXX cant give me anything else further to give to the credit bureaus. Im basically battling them for them to do their job and report accurately so I can buy a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal information NAME Wrong names associated with my credit report ALSO KNOWN AS XXXX XXXX XXXX XXXX XXXX GENERATIONAL IDENTIFIER Address never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employers Never worked at XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with equifax to remove a bankruptcy. the dispute started XX/XX/XXXX & was completed XX/XX/XXXX, another dispute XX/XX/XXXXXXXX  completed XX/XX/XXXX, all stating that the information is accurate. They stated they received their information through a third party, XXXX. I also have a letter from equifax in writing stating they get their information from XXXX. XXXX has no public record of a bankruptcy, so either they are lying about the verification or it has to be an error. 
I sent equifax a letter from XXXX XXXX stating they have no record of a bankruptcy, but it seems like they are not doing their job. 
I will be uploading that paperwork also. 
It seems that i'm getting the runaround. Are they actually reviewing my case. I feel if they reviewed my case they would see that the third party they get their information from XXXX has no public record of a bankruptcy nor does XXXX, there for those are grounds for removal. 
The letter I received from XXXX is dated XX/XX/XXXX Stating they removed it from their files because it was an error.
Product: Debt collection

I received a letter from Blitt and Gaines claiming I owe a debt that they never validated nor did XXXX XXXX XXXX. The business is posing as an attorney, yet they have no jurisdiction over me. I want them to leave me alone permanently.
Product: Credit reporting or other personal consumer reports

A few months ago my Equifax file just disappeared. Everything just gone into thin air, then some things slowly came back but only current accounts. All old inactive history, accounts and inquiries are still gone ( like someone pushed the delete button on my whole profile ). Now I cant even access my Equifax at all, on any platform everywhere I try just says error or something similar. 

Ive tried calling, they never pick up. 
This is a huge problem that needs to be fixed asap.
Product: Credit card

This complaint is regarding AVANT Credit Card issued by XXXX out of XXXX XXXX XXXX, Utah. 

I attempted to use my credit card today and it was denied. i was concerned because in XX/XX/XXXX, I received an email that I had a XXXX balance. The account has been at XXXX since XXXX as I have worked hard to reduce my debt ratio. I called today as I was planning on using the card at clothing store. It was denied. I paid in cash and immediately called concerning the credit card. I was verbally told that all accounts with " zero '' balances over 90 days are automatically closed. My balance is " zero '' since XXXX. I asked to have my account reopened and was told that i had to reapply. I explained that this would mean that there would be a new inquiry on an account that I opened XXXX  years ago and a hit to my XXXX XXXX. I had an established credit history and my score dropped XXXX points in XXXX and now I know why! 

She explained that it was in my customer agreement and that they didn't email about closing accounts. I told her that didn't make sense. She explained that I should read my card agreement. I explained that I couldn't access it online as my account is now closed. I asked for a supervisor and she explained the same with no written proof that this was indeed in my card holder agreement. 

She suggested I submit a complaint with AVANT. I told her that I was not. What is the point if I have to reapply for a credit limit that would likely be less that my original card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired a loan in XX/XX/2016 from XXXX XXXX. The loan amount was {$10000.00} my payment per month was {$490.00} The during the first 8 months of the loan my car malfunctioned so I was not able to use it XXXX XXXX warrantee covered the cost and deferred one of my payments towards the back of loan.. they did this because I had been paying my loan time and I kept in contact with them. In addition I had an option to defer. Months 12 into the loan and payments the company was brought out by XXXX XXXX  they unexpectedly readjusted the terms set by XXXX XXXX. XXXX XXXX forced me to.pay the deferred payments plus penalties in addition XXXX XXXX removed XXXX XXXX  from all three credit bureaus I called XXXX XXXX to take the car But as of today XX/XX/XXXX the car still appears to be mine here in illinois accessed
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I agreed on an " Extended Loan '' and I received a letter confirming that my loan is now in " Forbearance ''. Not approved or requested by me. Many phone calls were made, representative seemed to be knowledgeable, but not correct results.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2024, XXXX XXXX XXXX received a cease-and-desist notice instructing them to immediately halt communication regarding the subject matter. This notice also explicitly outlined the only permissible ways for them to communicate with me about this purported debt. XXXX XXXX XXXX acknowledged receipt of this notice in their response to my XXXX complaint ( XXXX ) by stating : " XXXX acknowledges that we received the consumers cease-and-desist notice on XX/XX/2024. XXXX has noted the file accordingly and taken precautions to prohibit any outbound collection activities on this account. No further contact with the consumer has been, nor will be made. However, the presence of a cease-and-desist notice does not preclude XXXXXXXX  continued credit reporting of this {$400.00} debt. '' Therefore, XXXX is knowingly choosing to ignore and violate the provisions of 15 USC 1692c ( c ) Ceasing communication. 

Federal law defines communication as : " The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. '' This means that any act of sharing information about a debt, whether done directly or indirectly, using any means or method to convey that information to any person, constitutes communication. 

On XX/XX/2024, XXXX XXXX XXXX deleted their trade line from my XXXX consumer report. However, they continue to report their trade line on my XXXX and TransUnion consumer reports.
Product: Credit reporting or other personal consumer reports

I noticed that on XX/XX/year> I have an unauthorized/fraudulent inquiry on my XXXX credit profile from cnba. I also notice on my Equifax I have an unauthorized/fraudulent inquiry from XX/XX/XXXXXXXX. Under the fcra guidelines these inquires need to be removed immediately.
Product: Credit card

I opened an account with BBVA Compass to get the promotional offer and since I 'm an employee. Into about the third week of having the card it was continuously declined. I called customer service to see what was going on and when my bill was due. I was told the bill had been mailed on XX/XX/XXXX and that day was XX/XX/XXXX. Around XX/XX/XXXX I realized I never received the statement. Come to find out I was told by someone in the fraud department my social was being used by a man in California. I went straight to ordering my credit report but after some thought about what they advised this could not have been correct since I had opened another account with another company since then with no problem. I requested for my account to be closed around XX/XX/XXXX and was advised the amount I owed. They said the statement should be arriving soon. The following week when I tried to set up an online account to just pay the bill online I kept receiving an error that my zip code was incorrect. After some thought I realized BBVA Compass must have either combined my account with someone else or went in and changed my information to an address in California and this is why I was previously told my social had been used by another person. I spoke again to the fraud department and they stated they reopened my account. I advised them I only wanted to make sure the bill was paid in time before I incurred any late fees or penalties. I was informed of the amount owed and was told I could sent the payment thru inter office if I wanted my payment expedited. Before I make a payment I would also like to be aware of what I am paying and not just send money to a company who changing my account information without my permission. I was also told my account would be updated with my correct address. This was the Monday before XXXX and I just checked again on XX/XX/XXXX and I still can not create an account. It is near impossible to get a hold of the correct person on the phone or even just speak to someone in a timely manner. My husband and I plan to start looking for a house within the year and have been monitoring my credit. I would like to receive a statement prior to making a payment and then close my account. I would also like to file a complaint as well for the actions that have been taken on my account. Please advise.
Product: Debt collection

It is my understanding that debt has been paid as agreed. The debt is still appearing on my credit report nevertheless. The account has been properly settled unless can otherwise be proven.
Product: Debt collection

In May a debt I had for a medical service I received last year was sent to collections. 
I began making payment relatively soon thereafter, eventually landing on $ XXXX towards the {$1300.00} debt. 

As I was making payments, right after a month where I had actually made two payments, they added the report to collections on my credit. I was under the impression that the debt was being paid so it would not go to collections. 

I believe that paying off the debt on the payment plan should have prevented me it from going on my credit report. Moreover, I should have received notice before it went on my credit report. I received nothing. 

During the whole process, I received limited communication from this business and it was not made clear to me that I was imminently going to have this reported to my credit.
Product: Student loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DEPT OF ED/NELNET has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Debt collection

This company agreed to a less payment amount and update the amount as paid as agreed. The company agreed to a pay and delete off my account.
Product: Checking or savings account

Everything that in the lawsuit on Navy federal about the overdraft fess the oops product is what happened to me
Product: Student loan

XXXXXX/XX/XXXX I received notification from Fed Loan Servicing regarding the number of qualifying payments I have made for my public loan forgiveness application. The number of payments they have reported that I have made is incorrect. I talked to customer service and went through year by year the number of payments that I have made. There is a discrepancy between the total number of qualifying payments they counted and the actual number of qualifying payments. I requested that they send me a updated letter reflecting the accurate number of payments made and listing year by year the number of qualifying payments. They said it would take 60-90 days to review my case and make the changes. 

On XX/XX/XXXX I called and talked to customer service again regarding the status of my qualifying statement review. I was told there were error regarding my payments and they would get back to me in 60-90 days. 

On XX/XX/XXXX I called and talked to customer service again regarding the status of my qualifying statement review request. I was told there was a error with their IT department and IT needed to make changes to my account. They stated that there was no way of knowing when IT would make those changes so I could see the number of my qualifying payments. Furthermore, they stated there way no way they could make this a priority request. I have waited nearly a year for them to provide me with this information regarding my qualifying payments. I would like them to send me this information for each year the number of qualifying payments I have made.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.