23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2018 the senior loan processor handling my refinance contacted Rushmore Loan Management services requesting a payoff quote for XX/XX/2018. Rushmore did not respond. The loan processor then submitted additional requests that were ignored. On XX/XX/2018 I contacted Rushmore by phone to request a payoff for XX/XX/18 and was told that it would be sent by fax to the loan processor and to me by mail ... it was not. XX/XX/2018 I contacted Rushmore again and was told it would take 24 to 48 hours, then told 3 to 5 days. and told a manager would put a rush on the request and it would be faxed within 24 hours ... it was not. On XX/XX/2018 I contacted Rushmore to find out why they had not sent the payoff quote was told it would be faxed within the day ... it was not. I was supposed to close on my refi on XX/XX/2018 and was not able too, it was rescheduled for XX/XX/2018. On XX/XX/2018 I contacted Rushmore and was told again the same lies. The payoff quote was not faxed again to my loan processor. XX/XX/2018 at XXXX XXXX  and XXXX XXXX I was told that the payoff quote would be faxed to my loan processor within an hour by and consumer service person and a manager. It was not sent. During this entire time the loan processor continued to contact Rushmore and had similar results as I had. The processor from the title company handling the closing also attempted to obtain a payoff quote from Rushmore with no success. Today, XX/XX/2018 I am suppose to close for the second time but can not because Rushmore will not send a payoff quote, I am beyond frustrated and concerned that the date on this loan is going to expire and I will have to get a new loan and the interest rate will be higher. Rushmore is causing me financial harm.
Product: Credit reporting or other personal consumer reports

I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I received a notification from CITI in response to my prior complaint that they would be closing my account and I would receive a check for the balance within 60 days. It is now XX/XX/XXXX and I have not yet received my money ( {$74000.00} ). I have called customer service many times, been told I should see my money in a week or two more times than I can count, and been disconnected upon requesting to speak with a supervisor.
Product: Debt collection

Just finished my XXXX. Had to use a credit card to get through some rough financial patches. Was unable to make payments due to lack of income and trying to live on a student budget. Found out recently that a XXXX party has filed a collection lawsuit against me without my knowledge. Apparently this XXXX party ( XXXX XXXX, XXXX ) " bought '' my credit card debt ( still not sure how that works ) and is pursuing a lawsuit against me using the lawfirm of XXXX XXXX XXXX, in spite of failing to communicating with me in good faith. I have not even received a summons or any official, legal documentation. I recently received SEVERAL letters from random attorneys, which brought this lawsuit to my attention, none of which are associated with the lawfirm that is actually pursuing this lawsuit. I do n't understand how this is legal. I recently began a new job in my chosen field in regards to my degree, so I am now in a position to begin making monthly payments. However, this group of people has robbed me of the chance to make good on my debt and are now seeking to sidestep that good faith and take me to court. It is now my understanding that this has become a common business practice. This is n't right.
Product: Credit reporting or other personal consumer reports

On Saturday, XX/XX/XXXX I applied for a credit card and was immediately declined despite having a near-perfect credit score. I checked my XXXX credit report and didn't see anything amiss. I then checked XXXX without any problems. When I tried to check my Equifax report I received an error XXXX  and was told to call customer service. I called immediately and after a grueling validation process was able to speak to an agent. After going back and forth for XXXX minutes, I was told I needed to send a letter to Equifax with a copy of my actual social security number and driver 's license to a XXXX XXXX XXXX XXXX. Upon receipt, I was told they would take action within XXXX business days to process my request. This letter was sent on Monday, XX/XX/XXXX via registered USPS and received at Equifax on Thursday XX/XX/XXXX. I tried calling Equifax again on XX/XX/year> and was told there was no record of my letter, no way to escalate my concern and that the escalation division actually has 30 days to respond after receiving the letter. I asked if there was a way to provide proof to track the letter down, since it has a physical copy of my social security card and driver 's license, and was told there was nothing they can do. This has been one of the most frustrating experiences in memory, any help you can provide is very appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from my credit monitoring service that I have a 30 day late payment being reported to all three credit reporting agencies ( Experian, XXXX and XXXX ) by XXXX XXXX XXXX from XX/XX/2019. I have never been 30 days late with this company as long as I've had an account with them so I immediately contacted XXXX XXXX XXXX to clear this matter up and they sent me a Credit Reference Letter onXX/XX/2019 which shows I have a stellar payment history with no late payment history on my account. As a result of this erroneous information being reported, my credit scores have taken a major nose dive and my credit rating impacted. I am distraught and disappointed that the information hasn't been updated as stated by XXXX XXXX XXXX and I request 30 day late payment be removed immediately from my Experian, XXXX and XXXX file as it is inappropriate and inaccurate and it could also impact the excellent relationships I have with other creditors.
Product: Credit card or prepaid card

On XXXX XXXX 2021, I found 37 fraudulent transactions were made on my American Express Serve Prepaid Debit Accounts. The unauthorized transactions were made from XXXX XXXX to XXXX XXXX. The total amount of unauthorized transactions is {$4300.00}. After I noticed the fraud, I contacted American Express Serve immediately. I asked American Express Serve to replace my card right away and I'd like to dispute all the unauthorized transactions. But they told me I can only dispute the transactions that have been posted and several pending unauthorized transactions can not be disputed until those unauthorized transactions.If they had canceled those pending transactions, I would have lost less money. I also called the police right away. The police created a report for me. I filled the dispute forms that American Express Serve emailed to me with all the unauthorized transactions and submitted online. But the dispute was declined by American Express Serve without any reason explained. I re-opened all the disputes. At the same time, I contacted the stores where the fraudulent transactions were made and confirmed the person who made all the transactions with evidence. I submitted the dispute forms with the suspect information and the police report on XXXX XXXX 2021. After XXXX business days waiting, American Express Serve declined my dispute again without any explanations. All the fraudulent transactions were made online. But I have never made any online purchase using my American Express Serve Prepaid Debit Accounts since I activated this card which can be seen from my transaction history. I am so disappointed with the decision that American Express Serve made. I have provided everything for them to prove all the fraudulent transactions were made not by me. But they didn't look at the document. If American Express Serve had contacted any of the stores where the fraudulent transactions were made, they would have known who the suspect was. Unfortunately, American Express Serve didn't contact them. So I believe American Express Serve made the decision even without looking at the dispute form or making any investigation.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding an unresolved dispute on my credit report. I have been impacted by multiple data breaches, and after reviewing my credit reports from all three major credit bureaus ( Equifax, XXXX, and XXXX ), I noticed several inaccuracies, including addresses where I have never resided and collection accounts I do not recognize. 

Despite my efforts to dispute these discrepancies multiple times, including submitting disputes directly to the credit bureaus and providing supporting documentation, the incorrect information has not been removed or resolved. I have made multiple attempts to correct this issue, but no changes have been made, and the errors remain on my credit report. 

Specifically : I noticed incorrect addresses that I have never resided at. 
There are collection accounts listed that I do not recognize and believe are fraudulent. 
My disputes have not been fully investigated, nor have I received any meaningful responses or resolutions from the credit bureaus. 
I have complied with all requirements for submitting disputes, yet the credit bureaus have failed to resolve the inaccuracies, and the information continues to adversely affect my credit score and overall financial health. 

I have attached supporting documents, including dispute submission confirmation, communication logs, and a copy of my credit report showing the inaccuracies. These documents are available upon request.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts, I have been unsuccessful in correcting an inaccurately reported late open account on my credit file, which is adversely affecting my financial standing. I have repeatedly contacted your organization to dispute the inclusion of a late open account on my credit report, which is not a true representation of my financial history. The presence of this account has led to a reduction in my credit score, causing difficulties in obtaining loans, securing favorable interest rates, and achieving my financial goals. Proof of my timely payments and other financial history, which should accurately portray my creditworthiness. Despite my consistent efforts to address this issue, the late open account remains on my credit report, causing me ongoing financial stress and setbacks. I am concerned that these inaccuracies may further impact my ability to secure housing, employment, or access to credit services. I request an immediate and thorough investigation into this matter. Please help me correct this account : XXXXXXXX XXXX XXXXXXXX Balance : {$5400.00}.
Product: Checking or savings account

I have a CD with TIAA Bank, XXXX XXXX XXXX XXXX, XXXX, FL XXXX The maturity date was today, XX/XX/2022. On XX/XX/2022, I gave online instructions to close my CD on the maturity date and deposit into my money market account. That has not been done. I noted that they say it can take 3 business days in order to give me my money. Since it matured on a Friday, I am penalized with the week end and it will take me close to a week ( if I am lucky ) to receive my money. Is this legal? Are they in financial trouble? To make matters worse, my CD will now be earning XXXX while their money market account XXXX. 

Please let me know if they are permitted not to honor the terms of the certificate of deposit that matured today.
Product: Debt collection

Weinberg Mediation Group began calling me several weeks ago regarding a XXXX  XXXX   card debt. Twice I answered the phone and talked to a representative, I told them I was going to contact XXXX  XXXX to validate that the debt. The first time the lady was very polite and said that was fine. 

The second time I spoke with a gentleman who was beyond rude. He told me that there was already a garnishment of my wages pending. I asked him how that was if I hadn't been sued and a judgement entered. He told me there was already a judgement against me. This was false information. I then told him the same thing. That I was going to talk to XXXX  XXXX to verify information and would contact their office back. I also requested that they validate that they own the debt. The guy told me that they could not mail me anything. He told me to call total and that " eventually '' I would get routed back to Weinberg Mediation. 

Not even 1 week later Weinberg Mediation called my parents house ( who live 100+ miles from me ) and left the following message on their home phone voice mail " This is a final courtesy call from the Weinberg Mediation Group before  reporting that you've been uncooperative in the investigation against you. If we do not hear from either yourself or your legal representation today we will be left with no recourse other than to report your non-compliance in this issue to the proper jurisdiction. Our office number is XXXX. Again that's XXXX. Thank you. Good Day. '' My mother called the number back and they gave her details on my debt even though she never identified herself as my mother. She told them I didn't live there and they have the wrong address. They told her it was about a debt and that I needed to call them back. 

They have my home address and my home phone number. They KNOW how to get a hold of me, I've answered my phone when they call, outside of the times I'm at work. 

I believe they should be held accountable for continuing to call outside parties when they have my contact information and were just in touch with me a few days prior.
Product: Credit reporting, credit repair services, or other personal consumer reports

All I know is this : SageStream LLC, on the behalf of XXXX XXXX XXXX is the biggest elephant in the room! Either most, some, and or all three major credit reporting agencies/matters are being advised, and determined by or with the help of these bad characters, and actors! In the past, and some yrs ago, it was XXXX XXXX XXXX that done the following ; hinder, and prevented me from obtaining : an affordable, decent, livable, suitable, healthy, protective, comfortable, peaceful, and the most safest environment to live in! Which led to me, not being able to choose, and select that was in my best interest! All that played a part, in my overall health being : in the status, state, and unsatisfactory conditions! Because of their bad reporting, inaccurate submissions, advises, misconduct, failures, transparency, bias, overreach, carelessness, ignorance, and extremely bad practices in nature! Now, they're pretty much doing, the same thing in this matter! As a result of this, in most cases its leading to, unnecessary credit denials, and declination with future creditors! In my closing, its definitely having a lasting impact, on how I'm being treated, and ongoing troubles : with all three credit reporting agencies!
Product: Student loan

Hi, my name is XXXX XXXX XXXX. I have a student loan issue. My family is being harassed and bullied by Navient for student loans we can't afford. We have always tried to make payments when we could afford them, and now because of misleading tactics by Navient we are {$120000.00} in debt. We borrowed XXXX, XXXX is added interest during forbearance, or deferments, and service charges for times Navient mismanaged payments on our account. Right now Navient wants $ XXXXmonth. The lowest plan they are offering is $ XXXXmonth. They say that would go mostly to my principal, but I don't trust them or have a reason too. 

I was recently married, and this student loan situation is ruining my future. It's murdered my credit, some job and entrepreneurship opportunities. My mother, who co-signed, has been at her job servicing the elderly of XXXX XXXX, and XXXX XXXX for over 40 years, she wants to retire, but she can't because she is constantly being threatened by calls and letters from Navient about taking her house, that her and my dad have finally paid off after 30 years. She is scared and because of her age the stress is causing her health issues. 

Navient has recently lost or settled lawsuits because of it's mismanagement, misinformation, illegal and bullying practices, but because I attended an accredited college I can't get any help with my private loans, which is unfair. My mother works in the service industry, she is my co-signer, but because I'm not a service worker, loan forgiveness programs don't apply to me. If we're both responsible for the loan, we should both be able to apply for forgiveness. We are currently running out of options. We are being threatened daily with the date of XX/XX/2022. I have called Navient and begged for a lower payment option, they will not budge. I even asked them for a job to help with payments. 

We are desperate, and don't know what to do. PLEASE HELP! Thank You! 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you because I found an issue with my consumer file pertaining to my criminal history. My criminal record is still being reported beyond the 7 year window that is enforced through the FCRA Seven Year Reporting Window. The accuracy of this criminal information is not in question here today in this matter. However the reporting of criminal information exceeds the reporting of the 7 year period. According to 15 U.S. Code 1679c ( a ) - Disclosures, I must dispute this information with the cfpb. Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.The seven year limit for reporting criminal charges on background checks begins when the charges are filed, not when theyre dismissed, a federal appeals court recently ruled, In the 9th U.S . Circuit Court of Appeals ruled XX/XX/XXXX that the measuring period for a criminal charge runs from the date of entry rather than the date of disposition under the ( FCRA ). 


In the 12 states ( California being one of those States ) that limits conviction reporting to 7 years, the disposition/conviction date is the date of the adverse activity and should be used to calculate the 7 years. If needed, a CRA can also use the date of release from incarceration or the start date of parole to bring convictions into scope. 
15 U.S.C. 1681c ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing certain specified items of information or [ a ] ny other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
California 's Seven-Year Lookback Rule California includes a seven-year restriction on the reporting of convictions within the ICRAA. This law is found at Cal.CONVICTIONS : Go by disposition date. However, for " seven-year states '' that limit reporting convictions to 7 years from " disposition, release, parole, '' you can go by release date from incarceration or start date of parole, even if the conviction date is older than 7 years. Never consider probation to bring something into scope. 
SEVEN-YEAR STATES : California, Colorado, Kansas, Maryland, Massachusetts, Montana, Nevada, New Hampshire , New Mexico , New York , Texas, and Washington. [ In some of these states, the 7-year reporting restriction for convictions only applies if the applicant does not meet a certain salary threshold. Also note : The District of Columbia limits the reporting of conviction data to 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX this is not a 3rd party I am submitting this complaint myself all documents and identification is in attachments. Please see attachments for what happened with my Situation.
Product: Credit reporting or other personal consumer reports

I noticed some fraudulent inquiries on my credit report that I did not authorize. Please remove immediately.
Product: Credit card or prepaid card

Someone use my personal information open serval account, after I run my credit report showing there have 4 fraud account one of them is capital one, when I called capital one, they told me the account was open in XXXX on XX/XX/XXXX, I have been living in California since XXXX and never been out of state. 
After I contact capital one and send my ID, bank statement, tax report 1095c, social security copy and police report to prove my living address, but capital one rejects my request to remove the fraud account. Other three fraud account included XXXX, XXXX XXXX, XXXX XXXX ) XXXX they already remove the fraud account. 
Please help me to contact capital one to remove the fraud account and report to three National credit reporting agencies. 
Thanks!
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : Account : DEPT OF ED/AIDVANTAGE ( ALL ACCOUNTS ) account number : XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

My identifying information is as follows : Date of Birth : XXXX SSN : XXXX As proof of my identity, I have included copies my Social Security card, drivers license, and a electric bill. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX
Product: Student loan

I'm a member of the class action lawsuit Sweet vs. Cardona. On XX/XX/, I received notice that my loans would be forgiven and that I would receive more information regarding forgiveness in the coming months. On XX/XX/, I received a payment plan for the loans that are a part of the lawsuit and are set to be forgiven. On XX/XX/, I noticed that my loans were no longer in forbearance and that the loans showed they were in repayment. I emailed Aidvantage regarding this and never received an email back. Then on XX/XX/, I called Aidvantage to see what was going on, to which the Rep, XXXX, mentioned that they didn't know why this was happening and that the account would be placed on hold. On XX/XX/, the account still shows a payment date and that the forbearance is ending. I want to understand why the US government allows this company to continue to defraud people. And why I haven't received my relief, refund, and credit reconciliation, as the date for when the lawsuit terms should be fulfilled is quickly approaching. Do your job and protect defrauded borrowers who have suffered enough from this horrendous mishandling. This company is not fit to handle federal loans, and the government already knows this, but it continues to fail millions of borrowers daily.