23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Rushmore Servicing/Mr. Cooper/Nationstar continue to not answer our questions in our complaints with CFPB and/or lying by omissions in their answers. 

They have now contradicted themselves, once again, in stating XXXX XXXX XXXXXXXX XXXX for XXXX XXXX XXXX is NOT the investor while stating that a Referral For Foreclosure letter was sent by XXXX XXXX XXXX on XX/XX/XXXX that claims that the investor is XXXX XXXX  XXXX XXXX for XXXX ( see attachment ) and this letter was the start of a foreclosure complaint in XXXX XXXX XXXX XXXX on XX/XX/XXXX by XXXX XXXX XXXX with the Plaintiff being the investor XXXX XXXX XXXX XXXX  for XXXX XXXX XXXX XXXX This is A clear violation of the laws of the NJ Foreclosure XXXX. 

We are Requesting the CFPB makes Rushmore Servicing answer truthfully for what we are now demanding the answers to : 1. why the Referral Letter for Foreclosure and the Foreclosure complaint by XXXX XXXX XXXX contradict each other when they named two different investors for the same foreclosure complaint.

2. When and how was XXXX XXXX involved in the Foreclosure complaint from XX/XX/XXXX through XX/XX/XXXX and why did XXXX XXXX office state that many mistakes were made and the file has been closed as of XX/XX/XXXX. 
3. What exactly is the line by line item for the total of {$3300.00} for the foreclosure fees by XXXX XXXX XXXX which seems to be outrageously high for less than 2 months of time of foreclosure activity, ( to say nothing that it should have taken place in the first place with the mistakes and errors and contradictions and why it was dismissed on XXXX XXXX. And why is it still against the account & being worked on to be removed by XXXX XXXX XXXX at this time and date. 
4. Why is Rushmore response to the most recent CFPB complaint state a Notice of Default Demand Letter was mailed in XXXX XXXXby Rushmore Loan Management Service ( RLMS ). How can that letter be mailed by RLMS when they merg d assigned Servicing to Rushmore Servicing/Mr. Cooper/Nationstar merged on XXXX XXXX. 
5. How was the XXXX XXXX Rushmore Mortgage Statement Accelerated to {$770000.00} and yet the XXXX XXXX Statement no longer has accelerated figure and we need a full explanation for the {$290.00} maintenance fee and {$5100.00} in legal fees on the Rushmore Statement. As no maintenance on the property of XXXX XXXX XXXX has ever taken place on behalf of Rushmore Servicing and the legal fees are above the {$3300.00} stated above by Rushmore response for XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX  XXXX Balance : {$200.00} XXXX XXXX  XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1900.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$350.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance XXXX {$590.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$150.00} XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and there are numerous addresses that I never lived at, seem to be Fraudulent, or are old and obsolete. Having all of these addresses on my report makes my credit profile look risky and hinders me from obtaining credit. The only Address that should be showing is my current address : XXXXXXXX XXXX XXXX XXXXXXXX FL XXXX Please remove any other address from my report. I have included a copy of my driver 's license, Utility Bill and a copy of my social security card to verify my current address and identity.
Product: Credit card

I submitted a dispute on my charge card and advised i did not authorize XXXX transactions that posted on my account. I filled out the fraud dispute form and faxed a copy of my drivers license they have not credited my account.
Product: Money transfer, virtual currency, or money service

On XX/XX/ 2020, I tried to send money using Intermex Wire Transfer dba XXXX XXXX online. I entered all the necessary information and I received an email stating the transaction was processed successfully and sent me a confirmation. It also requested for me to call XXXX to complete the transfer. When I called the XXXX, to complete the wire transfer, they said that my transaction was cancelled because unbeknownst to me, I am not allowed to send money to a corporation i.e. the XXXX  company that manages my condo in the XXXX. Since the money has been deducted from my bank account, I asked them when they will return the funds back. The answer was it will take 24 hours for it to reflect in my checking account. Unfortunately, it was not the case. I called and to follow up on XX/XX/2020 XXXX XXXX and they said I have to wait up to 5 business days. If I knew that the transaction was not going to be allowed, the system should have advised me of that. Also, if the transaction was cancelled what is the need to hold on to the funds which I desperately need to pay for my XXXX  dues.
Product: Debt collection

I have an unverified account from SOUTHWEST CREDIT SYSTEMS. I had previously disputed this account. I have never done business with SOUTHWEST CREDIT SYSTEMS.  Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that SOUTHWEST CREDIT SYSTEMS provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that SOUTHWEST CREDIT SYSTEMS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit card or prepaid card

On or around XX/XX/XXXX I went to Capital One online to update information including but not limited to annual income and change of phone number, This caused a red flag on behalf of Capitol One and my account was summarily locked and I was unable to access my account online or use the credit card issued. 

I had contacted Capital One in XXXX and again XX/XX/XXXX in an attempt to resolve the issue during these times. In each instance I was denied any resolve due to one unattainable obstacle : 1 ) Capital  One refused to release my account without a photograph of a current " Federal Issued I.D . '' i.e. " Drivers License or State ID ''. The expired State of Michigan ID was not accepted. No other forms of ID were allowed as proof of ID. 

The Following are circumstances to the unrealistic standards that Capital One has set fourth. 

a. Health Issues : On XX/XX/XXXX I was diagnosed with XXXX and shipped to XXXX Hospitals XXXX ward and was later diagnosed with XXXX XXXX. I had spent several months fighting the XXXX and when given the opportunity in XX/XX/XXXX I updated information from banking institutions to household billing. The XXXX and ensuing treatments left me bed bound till this very day. I am unable to travel unless I am transported by stretcher via ambulance for XXXX XXXX related treatments and exams. 

It is my exertion that I am being discriminated against because health issues exclude me from participating in obtaining an ID like a healthy individual. 

b. We are in the middle of a pandemic! Even if I were healthy I find it unlikely that I would be able to obtain a " State ID '' with restrictions on public operated facilities. Moreover, due to Covid 19 the in-home services provided by S.O.S. are suspended. 

Due to this factor alone I would think that a titan like Capital One would implement something that would be acceptable for everyone and not exclude the ill or XXXX. 
In closing I would like to say that I find Capital One 's behavior depressing at best and bigoted at worse. 

I beg you! Help resolve this issue with Capital One. I have not missed one payment since this all began over a year ago. Please help me see a return on my continuing monthly investment. 

Sincerely, XXXX XXXX XXXX XXXX,
Product: Checking or savings account

On XX/XX/2021 at XXXX pacific time my debit card was compromised for {$250.00} My first alert was XXXX letting me know of the suspicious charge. I then contacted my bank CHIME to make them aware that someone has stolen my information to close down my card. I received an email from chime saying they denied my refund for the unauthorized charge as I shop with XXXX often. So because ive shopped with XXXX, its ok for my information to be stolen and used to make fraudulent charges. This is unheard of and Im requesting an investigation. This has put my family in a horrible situation. I trusted chime with all of my banking including child support payments and this is unjust and unfair. XXXX agrees this was a suspicious unauthorized charge and is shocked about chime bank reply. Ive included all emails from XXXX. Please help me
Product: Credit card

Loan was open in XXXX  no credit check k done did not know it was open until appeared on credit. I called and said I had to send driver license to proof it wasnt me I am not giving over phone. Called and got police report will not take off credit on
Product: Payday loan, title loan, or personal loan

I got sick and been having trouble paying all my bills over the past two months. Mariner Finance has been calling and I finally called them to make payment arrangements they told me that I am two month behind ( {$95.00} x 2= {$190.00} ). And that they were going to a judgement and garnish My wages. I spoke to XXXX the manager of the XXXX Ohio branch office and agreed to allow me to catch up the two payments by XX/XX/XXXX. and no legal action would be sort. On XXXX XXXX, 2017 I received a certified letter indicating that I was being to. Court over the unpaid balance owed to Mariner Finance.  This not in keeping with what I was told by XXXX. I think this a bit extreme and unfair since I will be current again in lest than two weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, has violated my rights.

15 USC 1681 section 602 a states i have a right to privacy.

15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a detailed description of the investigation process followed by your agency regarding the disputed account listed below. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation procedure within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

Below are the details of the disputed account : Account Name and Account Number XXXX XXXX XXXX XXXXXXXX I kindly request that you provide a full description of the procedure used to investigate and verify the accuracy of this account. If you are unable to delete this account immediately, please furnish the required information detailing your investigation and verification processes. 

I appreciate your prompt attention to this matter and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX
Product: Credit card

They charge me XXXX extra on XX/XX/202XXXX XXXX
Product: Credit reporting or other personal consumer reports

LVNV Funding is reporting on my credit report unlawfully and without my consent an alleged debt collection that was originally with XXXX XXXX XXXX. LVNV Funding LLC is not the original holder of this account and I, the consumer, did not enter into an agreement with LVNV Funding LLC. LVNV Funding LLC is attempting to collect on a debt that was sold to them for value and is furnishing my credit report without my consent. My explicit consent is necessary to gain access to my personal information, yet alone furnish my report. I have not given either company -- XXXX XXXX XXXX  my permission to sell my personal information nor did I give LVNV Funding LLC my written consent to access my personal information or furnish my report. As a remedy for violation my rights as a consumer, I promptly ask for a permanent deletion and removal from my credit profile within the stipulated time frame from the initial start of this complaint.
Product: Checking or savings account

My XXXX XXXX daughter had three accounts with PNC, all of which had my wife as a co-account holder. A scam " artist '' reached out to my daughter via social media and convinced her to deposit fraudulent checks " he '' sent to her via email. He also convinced her to " XXXX '' funds to him in the total amount of approximately {$5200.00}, with the promise she would keep some of the deposit for herself. These deposits and transfers occurred from approximately XXXX through XXXX. My daughter 's accounts have since been closed by PNC, which we understand. The deposited checks were determined to be fraudulent yet PNC allowed the XXXX transactions to occur. It would seem the checks should be determined to be valid before a XXXX transfer can ever occur. Even " regular '' deposits ( Including checks written by me to my wife ) take a business day to be officially deposited. 

We filed a compaint with PNC Fraud but have not heard about our case. As a result, my wife 's accounts ( separate from my daughter and only in her name ) have holds on them for amounts of XXXX  ( now XXXX ), XXXX and XXXX. These amounts have also been increased from the original amounts due to fees put on them by PNC. PNC has held the following amounts from my wife 's accounts : XXXX, XXXX and XXXX. 

Of importance to note is we were never notfied about any of this. My wife found out after I deposited money in her account ( XXXX  ) and a debit was rejected ( XXXX XXXX XXXX  ) resulting in us calling PNC. Frankly, this is outrageous conduct by PNC, not only for the lack of notification about held funds, but a total lack of interest in my XXXX XXXX  being a victim of fraud, to the point where we have not heard from, or been able to express what occurred directly to a fraud investigator. We were not even told my daughter 's accounts were closed until we called. When we saw her accounts at XXXX balances, we wrongly assumed the fraud was adjudicated and everything was fine. PNC has the responsibility as described above, to ensure all deposits are valid to prevent the fruad from occurring in the first place.
Product: Debt collection

Since XX/XX/XXXX of last year Exeter Finance has been calling me almost non stop. I've called them multiple times letting them know they have the wrong number, I'm not the one they are looking for, even emailed them and they still continue to call and leave voicemails. I have 140 calls from them in total. This is harassment at this point and I want it to stop. I will attach proof of the 140 missed calls I have from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a dispute with the IRS for tax year   XXXX   which was successfully ruled in my favor. During the dispute process CA state issued a tax lien against me. They later reversed this lein as it was issued on false information gathered from the IRS. The lien was released less than  two  months later but had already been placed on my credit. This should be removed from my credit report by all   XXXX   credit agencies not just shown as released. Again I never owed this money therefore the lien should never have been filed and the credit agencies are reporting it as if I did and paid it.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE XXXX ACCOUNT NO : XXXX XXXX xxx-xx-XXXX EXPERIAN XXXX XXXX XXXX I had XXXX XXXX XX/XX/XXXX to XX/XX/XXXX. For one month charged {$130.00} including deposit. 
I Paid as follows : PROOF OF PYMT ATTACHED XX/XX/XXXX {$50.00} DEPOSIT XXXX/XXXX {$70.00} XX/XX/XXXX {$10.00} TOTAL {$130.00} discounted {$5.00} Additionally {$50.00} at the closure of my account. 

I switched to prepay and XX/XX/XXXX I ported the phone over closed the account there was a balance of {$50.00} which I paid IN THE STORE and closed account. I never received a bill and was never able to access bills on line. 

INCORRECT INFORMATION -- a COLLECTION ACCOUNT WAS REPORTED ON MY CREDIT IN THE AMOUNT OF {$130.00} WHICH HAS BEEN LOWERED TO {$60.00} BUT SHOULD BE XXXX. 
XXXX has produced 1 bill as proof of the account. 30 DAYS. NO PAYMENTS ARE SHOWN ON THAT BILL. 
-- I HAVE PROVIDED PROOF OF PAYMENT OF THAT BILL XXXX, XXXX AND EXPERIAN ARE IN VIOLATION OF FCRA THEY HAVE NOT VERIFIED THE ACCURACY OF THE INFORMATION. INVESTIGATING MY PROOF OF RELEVANT PAYMENTS AND BANK STATEMENTS WOULD SHOW PAYMENTS TO XXXX XXXX. XXXX HAS NOT GIVEN ANY FURTHER DOCUMENTS SUPPORTING THEIR CLAIM. OR SHOWING WHERE THESE PAYMENTS WERE ALLOCATED. 
XXXX has no further documentation to support their claim. If they did not allocate to my post pay account they made a mistake and need to reallocate the payments to the correct account. I believe all relevant documents ( as required by FCRA would include an invoice or print out of all charges and payments XXXX has in its file. I believe they do not have these payments posted to the correct account. If they dispute these payments, which I am proving with bank statements, then I need to see all relevant documentation in their possession. This would include proof of payment allocations and charges XX/XX/XXXX through XX/XX/XXXX which is completely reasonable and should be accessible. If not, the claim is not verified and I demand it be corrected to reflect a zero balance and taken off my credit report immediately. The credit agencies have not verified the information. I have requested this be done 3 times now. 

This is either double billing or my payments were posted and allocated to another account and needs to be found. I have never received more than 1 bill for the period of XX/XX/XXXX-XX/XX/XXXX and payments for that bill are attached. 

If this affects my being hired I will file a lawsuit. remove the negative credit reporting immediately. 
XXXX XXXX Enclosed are : bill received from XXXX. 
proof of payments ( bank statements ) credit report showing negative reporting to be taken off. 
collection companies correspondence and demand for itemized statement and payments paid. - credit company 's response and refusal to provide requested verification documents. 
emails from XXXX including wrong acct number dated XX/XX/XXXX NOT COMPLIANT WITH FTC or FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has failed to report to the credit reporting agency the true and accurate information on my report it is against the law to report fraudulent information attached is a letter from XXXX XXXX XXXX saying that they account is paid in full and that they are refusing to send me my XXXX oid XXXX and XXXX tax documents, even though they said in the letter that they only send those documents to people who owed them debt. Also they failed to provide the XXXX of my XXXX XXXX account so i only think that they have something to hide. I demand the ledger of the account along with the XXXX i request. So can i get treated equally with full faith and credit.
Product: Mortgage

I had a residential mortgage on my condominium with Bank of America that was paid in full in XX/XX/2016. Despite repeated calls over nearly 6 months to their Customer Service line, and repeated promises made by Bank of America, I have never received the Satisfaction of Mortgage Documents or the original note. My understanding is that under Federal Law the Bank has only 30 days to send these documents. Nearly 6 months have expired. 

The address of my Residential Condominium is XXXX, New York XXXX XXXX The accont nuber with Bank of America is XXXX
Product: Checking or savings account

ON XX/XX/2020 I opened 2 checking accounts ( ending in XXXX & XXXX ) and 1 savings account ( ending XXXX XXXX with CitiBank. On XX/XX/2020 Citibank froze account ending in XXXX with just under {$500.00} in the account. I no longer had access on line or could request my money. No one would speak to me through customer services and I got the run around. On XX/XX/2020 my account ending in XXXX was froze with {$3300.00} remaining in the account. I can see it on line but yet again I am not getting any answers on why this is all happening or how to gain access to my money. Also, on XX/XX/2020 my account ending in XXXX was also frozen with no answers or help with a remaining balance of {$25.00}. 

To date I can not get anyone to answer me. I get transferred from representative to representative over and over and over. And managers tell me " banks can hold your money without any reason required ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX Account # XXXX Subject : Intent to Sue under 15 USC 1681n and Non-compliance with 15 USC 1681i This letter is to formally express my severe disappointment and intent to sue due to Experian 's willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681n and 1681i. Your response dated XX/XX/2023, regarding the dispute for my account with XXXX XXXXXXXX XXXX ( starting with XXXX ) blatantly disregards my rights as a consumer and is an apparent failure to meet your legal obligations. Your response dated XX/XX/2023, in which you state, " The dispute for the account witXXXX XXXX XXXX XXXX  that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate, '' is a clear testament to your failure to uphold these obligations.