23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been trying to get assistant from RUSHMORE LOAN MANAGEMENT SERVICES for an extension of the COVID 19 for the last 2 months. On XX/XX/XXXX, th I emailed them every single document that they requested. 

They have NEVER sent any letter to me. They will not extend any COVID 19 plans unless you apply for a workout options. Every lender in America will extend your COVID 19 plan without this game that RUSHMORE plays. I am unemployed, don't have money. I sent them the pension benefit award letter, PLUS two months bank statements. The last bank statement was XX/XX/2021. I applied on XXXX It is now XX/XX/2021, and they are saying that my bank statements are over 30 days old. NOT TRUE. They were 7 days old upon application. 

Its just a joke to work with this servicer. They are legal mafia. They do not want to help. 
They are telling me my bank statement that was the MOST CURRENT ONE AVAILABLE on XX/XX/2021 is not valid. That statement was only 7 days old, and it it shows the SS deposit. My next bank statement does not even come out until later this week, which then they close your file, tell you that you did not submit documents in time, and start again. 
ZERO HELP. I am attaching the documents for you to see.
Product: Mortgage

Dear Consumer Financial Protection Bureau ( CFPB ) : Please assist with having PHH Mortgage/XXXX provide the document requests listed in this letter and explain the balloon modification cost of {$170000.00} for a past due loan amount of {$29000.00}. 

Modification was denied by PHH Mortgage/XXXX  because balloon modification cost is {$170000.00} for a past due loan amount of {$29000.00}. 

The following requests are being made to have complete evidence of the disputed past due mortgage loan balance of {$29000.00}. 

A response to all items listed below is required : 1. Explain why past due balance of {$29000.00} requires a balloon repayment of {$170000.00}? Is it legal to charge {$170000.00} for a loan amount of {$29000.00}? 

2. Provide an explanation of why the attached agreed/signed trial payment modification for loan balance {$190000.00} differs from the attached final balloon modification of {$190000.00} + {$170000.00} = {$370000.00} that I did not sign. 
a. Trial payment modification differs from approved balloon modification by {$170000.00} 3. Provide complete loan history from XXXX to present including but not limited to : a. Detailed line by line loan payment history breakdown is required because after suspense payments of {$5100.00} were applied in XXXX the past due balance did not decrease. 
b. In fact, the past due balance went UP from {$29000.00} to {$29000.00} after suspense payments of {$5100.00} were applied as per mortgage statements dated XX/XX/XXXX XXXX. 

4. Provide escrow analysis from XXXX to present a. Because there is an XXXX XXXX of {$24000.00} that it is unclear where it came from. 

5. Explain why PHH is currently returning all payments made for the loan as bank statement proves. 

6. Provide copy of all monthly statements from XXXX to present. 

7. Explain balloon modification cost of {$170000.00} a. Balloon modification offered by PHHXXXX egregiously harms and fails to help or benefit me the homeowner. 
b. Abraham v. Ocwen Loan Servicing , LLC Lawsuit - homeowner sued Ocwen/XXXX  regarding balloon modification that proved to be detrimental to the homeowner. PHH MortgageXXXX is imitating the same egregious behavior as its sister firms Ocwen/XXXX. 

It is my understanding that PHH MortgageXXXX offers balloon modification to its customers in default and those that do not sign are then threatened to deed in lieu of foreclosure or short sale their home. 

8. Provide the Summons & Complaint filed with the court to foreclose on my property because I never received it. 
a. All communication from PHH Mortgage currently states that I should deed in lieu of foreclosure or short sale my home
Product: Consumer Loan

I am challenging the reported information from your company WEST LAKE FINANCIAL account XXXX the company is reporting a repossession with a balance of XXXX. I state law state I could 've taken possession of my vehicle. I attempted to take possession of my vehicle back before a 30 day period the company never informed me that they had been sold the vehicle and a balance was owed of the car. The law states that the company is to provide me with a copy of the purchase sell of the vehicle this company never provide any document on this vehicle. I am disputing the balance that this company is reporting to my credit report also I am disputing the late payment comment the information that is being reported is incorrect I am seeking validation on the information that your company is reporting to the credit bureaus. I will be seeking Legal advise if this matter is not correct or remove from my credit report.
Product: Student loan

There was somerhing in my credit report in XXXX  about XXXX federal student loans and I had dropped out before the cuttoff and the loans where still requested after I advised thrm of my situation and that i would not be continuing with them and have seen how the loans where still recieved and later canceled. I had stopped attending before and they still recoeved a XXXX  XXXX in my name and i never saw any of it nor did they attempt to communicate that they where keeping it and not return or cancel. Also found a fraudulent account for XXXX XXXX XXXX XXXX accepting funds to attend. When I was already attending another college.
Product: Checking or savings account

I have been treated unjustly with a discriminatory and malicious intent from the branch manager of US Bank XXXX XXXX, WA. Her name XXXX, and the assistant regional manager XXXX, have done everything in their power to prevent me from transacting or even closing my various accounts at US Bank. Furthermore I have had funds in my account for 20 days and still can not transct on my cds or positive balance. I lost out on a real estate deal where because of her pointless driven action to put hold after hold after hold on my account, I am now liable for escrow failure to deliver and owe the seller {$10000.00}. 

I have also asked repeatedly for an explanation for the holds and treatment and frankly outright control and information sharing against my wishes. 

I have {$470000.00} in verified and settled assets and, not only can I still not close my account or transact on it, I keep getting refered back to the " branch ''. The US Bank fraud department has no issues only one person, a branch manager who is clearly not doing her job and continues to lie and data share against my wishes.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Pennsylvania Laws Dear CCB/OVERST, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), particularly under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), along with XXXX identity theft and consumer protection laws. 

It has unequivocally come to my attention that CCB/OVERST has XXXX in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section XXXX ( a ) ( XXXX ). Additionally, XXXX laws protect consumers from unauthorized use of personal and financial information. Under Pennsylvanias Identity Theft Statute ( 18 Pa. Cons. Stat. 4120 ), it is illegal to use another person 's identifying information without consent, which applies to unauthorized reporting of credit information. 

I assert with unwavering certainty that I have not provided consent for CCB/OVERST to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CCB/OVERST immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXX relevant XXXX theft and consumer protection statutes. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including XXXX identity theft laws. 

Obtaining consent is not discretionary but a legal obligation under these specific sections of the FCRA and Pennsylvania state law. This is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CCB/OVERST will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine Ive been XXXX  since 2011 I have recently been to release all the listed accounts and inquiries are fraudulent Heres a list of accounts : 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,. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 Section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 Which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states A creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the accounts must be removed These accounts is violating my rights and must be removed immediately thank you
Product: Credit card

I Have Over XXXX points that have not been credited to my membership number with British airways account. I have had 3-calls with customer service over the last two months and each time it would be corrected and to date it has not. Account was opened on XX/XX/year> and I qualified for the bonus points on XX/XX/year>.
Product: Checking or savings account

In XX/XX/XXXX, as a XXXX XXXX, I received my parents international wire, however, once the wire received by chase, they closed my account, and restricted all of my money in that account, which is XXXX us dollars in total. I have tried to call them and go to the branch, they said they still need time to deal with my case. I already waited for 20 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a XXXX dealership they told me they would run my credit for XXXX but ran my credit XXXX times i did not authorize them to do that XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Equifax XXXX XXXX failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX, Equifax, and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as their inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XX/XX/year> the amount of XXXX by XXXX XXXX and was filed for dispute and it fell under FCRA requirements and they account was closed as well as Hunter Warfield inc, and XXXX automated collection but they are still reporting on my credit report. I have reached out to XXXX  and XXXX  to get the matter resolved as well but they have done nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting acXXXX XXXX Account # XXXX, Account # XXXX and Account # 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: Money transfer, virtual currency, or money service

On XX/XX/2021 I received an e-mail from PayPal that they had " temporarily limited '' certain features in my PayPal account. 

On XX/XX/2021 I received a second email from PayPal indicating I could not " conduct any further business using PayPal '' and they would hold the funds for " up to 180 days. '' On XX/XX/2021 I contacted PayPal by telephone and they stated they would not release funds.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XX/XX/XXXX {$100000.00} XXXX XXXX XX/XX/XXXX {$100000.00} XXXX XXXX XX/XX/XXXX {$100000.00} XXXX XXXX XX/XX/XXXX {$100000.00} XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XX/XX/XXXX {$63000.00} XXXX XXXX XX/XX/XXXX {$62000.00} XXXX XXXX XX/XX/XXXX {$13000.00} XXXX XXXX XX/XX/XXXX {$13000.00}
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have contacted the collection agencies and each company referred me to dispute through the credit bureaus to get the problem resolved. XXXX stated that since the address was listed on my credit report and the company reported the account that it could not be removed and XXXX and XXXX XXXX keeps stating that the account belongs to me. Even after requsting proof form the collection that the account belongs to me no one has provided me with any proof that the accounts belong to me. On my credit report there's several name variations of my name and addresses that don't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX for XXXX XXXX master card automatically renewed my credit card and charged XXXX dollars for the annual fee that isnt due until XXXX for {$100.00}. They turned it in to the Credit bureau and XXXX XXXX notified me of the change of score. My credit score dropped 32 points, per XXXX XXXX TransUnion report because of the increase of {$100.00}. I called XXXX XXXX and tried to discuss this problem with them but was told that they couldnt do anything but take me off of auto renewal. I tried to discuss this problem and was told they couldnt do anything about my credit score. This is unfair. I paid off the {$100.00} charge today, XX/XX/2021, that wasnt due until XX/XX/2021. I also told them to take me off of auto renewal. They did the same to me last year, This practice seems very unfair to me. I have been paying everything on time and trying to pay off items when I can. I have paid extra on my home and am trying to improve my credit score. Please help me to have this drop in score replaced back. 
Thank you, XXXX XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/XXXX my driver 's license, my social security, my passport, and other personal items were stolen from my car. At that time my credit history was starting, so when I reported to the credit bureaus they just put an alert for 6 months. 

In XXXX, someone got credit cards from Capital One, using my identity. I recently discovered this when I downloaded the app XXXX XXXX.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Product: Mortgage

My mortgage was sold to Ditech from XXXX XXXX located here in XXXX, Ohio. I have contacted Ditech to inquire how to have my mortgage re-cast, and I consistently receive emails and letters through the mail stating that my inquiry is under review. I believe this option to re-cast falls under the prepayment category of the mortgage under which it is written I am free to prepay at any time. Ditech continues to delay allowing me to re-cast, thereby preventing me from lowering my monthly payments as I desire to do. This has gone on over three months now. Please let me know how I can get better service from this lender. I wish my loan had never been sold to them. I chose a local lender in the first place to prevent this kind of problem.
Product: Credit reporting

Lexus nexus is reporting drivers license suspension as of XXXX 2010 upon contacting DMV no such record exists lexis nexus is reporting false info to extort money out of me pls help licensce no is XXXX
Product: Checking or savings account

Set up and linked, using the trial deposit method my XXXX XXXX and a XXXXXXXX XXXX attempted to transfer funds from XXXX, aka Webster bank  ) on XX/XX/XXXX, funds were flagged for review, next day, provided the requested documents via secure email, money was debited on XX/XX/XXXX and transfer stopped. XXXX does not answer their phone, on hold and then disconnects after 40 minutes repeatedly, secure email messages not responded to, and internal message system from the account are ignored This is in regards to an external transfer XXXX and additional verification. 

I did eventually speak with a CSR on a call back and asked for escalation to a supervisor, of course no supervisor responded, much like the secure email I responded to was not answered. The transfer amount was debited from my account but is just in limbo, the amount is {$10000.00}. Funds have been withdrawn but no transfer. 

At this point I just want to cancel this transfer, but am unable to reach this bank. Regardless of time of day, ridiculous hold times and then disconnected.
Product: Credit card

I inquired about a credit card while shopping at the ATHOME Store, I was told my purchase would be fine for 0 % interest if paid in full in the first 6 months if I opened the card. I opened the card on XX/XX/2024, used the card and made approximately a {$250.00} purchase. I made my first payment and then noticed I had received an interest charge.The store had a small sign to confirm this promotional offer however I was told about it when making my purchase, which was the reason I opened the account, I have tried to contact the company via chat today XX/XX/2024 to have them honor the 0 % or reverse the interest charge and I would just pay the card off. The chat has been disconnected multiple times and I have spent more time figuring this out. I was unable to contact the creditor over the phone and I am just upset because I never would have opened this account had I did not qualify for a 0 % rate even though the store employee had told me I would qualify.