23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This complaint is regarding XXXX XXXX XXXX XXXX as well as Selene Financal. My name is on a first and second mortgage along with my ex wife, through XXXX XXXX. My wife and I were divorced in XXXX. She was awarded the house and required to refinance both mortgages within 24 months. She never refinanced and ultimately fell behind on the payments. In XXXX, she abandoned the property and filed for Chapter XXXX bankruptcy. Since my name was still on the loan, I began proceedings with XXXX XXXX to attempt a short sale of the property, which would be beneficial to both them ( certainly more money than a foreclosure ) and myself. After considerable time working with XXXX XXXX just to get authorizations in place for them to talk to us and the our attorneys ( considering the bankruptcy ) we were finally able to provide XXXX XXXX with a listing agreement and an immediate offer in XXXX XXXX. Following this, my attorney and my realtor both stayed in constant communication with XXXX XXXX, sending, re-sending, re-sending again the same paperwork over and over. Then, in XXXX XXXX, we were advised that we were approved for a ... modification! We did not ask for a modification, nor did one make any sense. I 've lived in my new house since XXXX, and my ex-wife had abandoned the old old a year and half prior. Inexplicably, this un-requested event also required that we start completely over with the short sale process. Again, documents were sent and resent, discussions over the same points over and over again, and weekly calls were scheduled between my attorney and XXXX XXXX. Note that within this period ( XXXX XXXX ) an appraisal requested by XXXX XXXX also came back at {$80000.00}. Finally, in XXXX XXXX, after a year of unnecessary back and forth, while the property sits unattended, un cared for and losing value day by day, we were approved for a short sale for the offered amount of {$100000.00} ( over $ XXXX more than the appraised value ). Unfortunately, immediately upon getting approval for the short sale, we get notice that XXXX XXXX is selling the first mortgage to Selene Financial!. Selene summarily rejects XXXX XXXX 's approval, makes us send in duplicate paperwork again, not even talking to my attorney or realtor until authorization forms are received, even though multiple copies of the forms have been sent in. Now, in XXXX XXXX, after receiving all documents requested from us, Selene informs us that they are rejecting the short sale request, as their own appraisal is $ XXXX. They refuse to provide documentation on their inexplicably high appraisal and are now requesting even more paperwork to even consider further negotiations. There is no possible way this property is worth $ XXXX in its current state. It has been abandoned for almost 2 years now, with XXXX maintenance, and losing value every day. Meanwhile, I am stuck with my name on a loan I was n't supposed to be responsible for. Surely they will not get anything close to $ XXXX out of the property if this goes to foreclosure. I do not understand why they will not wrap this up as it is in everyone 's best interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company is reporting as a charge off and attempting to collect a debt even after providing proof of a chapter 7 discharge and a letter from my attorney. 

all three credit bearus have been notified and have not updated their records.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep DISAPPOINTMENT with your recent claims regarding my accounts. I AM REJECTING THESE CLAIMS ON THE BASIS THAT YOU LACK ANY MATERIAL FACTS OR EVIDENCE to support your assertions. As a result, I strongly urge you to initiate a thorough investigation into these matters without delay. 

Your claims have cast a shadow over my financial standing and have the potential to cause severe harm to my creditworthiness. It is imperative that we resolve this situation promptly and accurately. 

I insist that you immediately dispute these accounts and provide me with clear, documented evidence to support your position. Failure to do so will leave me with no choice but to seek a legal remedy to protect my rights and rectify this situation. 

XXXX XXXX XXXX  XXXX & XXXX  XXXX XXXX
Product: Credit card or prepaid card

I have an account open with a creditor for a store card. I have previously asked to refrain from calling me on XXXX as I go to church and they have repeatedly called me on Sunday with a total of 3 times in about 4 hours. Since Friday they have called 7 times and have not yielded the phone calls. According to the information on the CFPB site they are in current violation of harassment. I have asked them to stop calling that I have payment arrangements set up but they continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

As required by law, TransUnion is to fully investigate disputes and provide proof of their investigation method. This has been requested on multiple occasions. On XX/XX/2022, TransUnion " verified '' the alleged debt with XXXX XXXX XXXX XXXX. The debt with XXXX is listed as " charge off '' but XXXX has failed to EVER provide me with a XXXX for that charge-off and is therefore in violation of federal law by " verifying the debt '' and TransUnion is in violation of federal law by " verifying the debt '' or not completing the investigation in full as required. 

I demand that the XXXX alleged debt account be removed permanently from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously filed a complaint challenging the accurate reporting of the following inquiries on my consumer credit reporting being reported by XXXX : XXXX XXXX ( XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, DE XXXX, ( XXXX ) XXXX ) AMERCIAN EXPRESS ( XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, UT XXXX. 
XXXX responded, indicating that regular inquiries will remain on my report for 2 years and I should contact the company that placed such on the report, if I disagreed. 
I am challenging all of the above listed account that aren't associated with the authorization of the following account : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; and XXXX
Product: Mortgage

I sent 2 principle payments to The Money Source to the address that they provided for sending cashiers checks for such payments. Thy have confirmed that these have been received on XX/XX/2021. However, as of today they have yet to apply the payments to my account and have indicated that they are moving the checks internally ( initially they indicated they were sent from CT to AZ and now they indicated they were sent to TX ). I have had numerous calls with no clear timeline or path to resolution.
Product: Credit reporting or other personal consumer reports

I filled a dispute on XXXX XXXX due to inaccurate information and removal. XXXX denied to follow up with the investigation. I recently was notified that CFPB has files a lawsuit against the company XXXX. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. XXXX violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXXXXXX Balance : {$19000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$74000.00} ; XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$5200.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX {$25000.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$71000.00} ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Several complaints have been filed against Rushmore Loan Management Services regarding a alleged modification that was done on my deceased father 's loan. 

This loan that they are using to foreclose on the home never passed the trail modification and Rushmore and the previous servicer XXXX Mortgage have been refusing to put the loan back to its original state. 

Rushmore and XXXX mortgage are reporting false information on this loan that can be proven with the original documents from the previous servicers XXXX and XXXX but they are refusing to give me the documents that I am requesting from the original servicers XXXX and XXXX. 

Also, after the last complaint filed with you Rushmore is refusing to give me information about the loan because they have changed me from a borrower to a successor of interest and trying to force me to sign a document to accept the changes. 

Again I have spoken to XXXX XXXX and XXXX yesterday who said that when they transferred the loan to Rushmore I was a borrower who assumed the loan since 2008 I am about to apply for another modification but I was informed that they will reject the funds from HAF because THEY say that I am a successor of interest. This makes me uncomfortable because this is the last modification I can do and the funds must be applied. 

I am filing this again because Rushmore refuses to comply with providing with the documents that I am requesting from the lockbox and they have changed my role from a borrower to successor of interest which is not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent out a letter asking for them to send me my form 1099-c that they should have sent to me when when they filled the account as a canceled debt/ Charge off to My address. i have not heard back from them at all.
Product: Credit card or prepaid card

After various attempts to resolve the issues had with Capital One, they continue to cause detrimental harm to my reputation through oppressive and coercive means. I have provided documentation of billing errors, requested the cessation of utilization as it is against XXXX XXXX XXXX ( d ) ( XXXX ) ( A ), and to opt out of nonaffiliated third party reporting but to no avail, Capital One has blatantly and intentionally denied and deprived my consumer rights. Capital One has violated my consumer rights against the FCRA, TILA and the GLB Act. PLEASE SEE ATTACHMENT.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX , CA XXXX ; XXXX XX/XX/2024 ; XXXX XXXX XX/XX/2024 .
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account CAPITAL ONE opened XX/XX/XXXX that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Prepaid card

Have a rushcard loaded money cash on XXXX. Funds still not avaliableand its now XXXX. Keep calling a d sending emails only got XXXX reply saying cant access my info. Called back finally got through only to be transferred put on hold for XXXX and hung up on. I have XXXX kids this was groceries ang car insurance moneymy dad sent. Had to borrow from someone to pay it.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a title loan at TitleMax in XXXX for {$2000.00}. Dont remember the exact date. My first payment was due XX/XX/year>. At this time my balance was $ XXXX made a {$300.00} payment and it drop to {$1800.00}. She did info me that the more I pay the more go towards the principle. So I paid an extra {$100.00} towards the loan. So exactly XXXX later which was the XXXX I called to make another payment and asked what was my total just for security or see if anymore interest had accumulated and she told me that my total was {$2100.00}. As to my surprise I was totally shocked that my loan had jumped back up that fast in XXXX XXXX. So it seemed like I only paid a {$100.00} towards my principal. XXXX on social security and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Thats the reason for the loan. If I knew only XXXX XXXX goes towards the principle I wouldnt never had made that agreement but I was not informed at the beginning of this transaction. I was told my first XXXX payments were going to be different in amounts and then one set payments after that and it was like paying your credit card or car note basically. I feel totally lied to and coherence into this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has been reporting late payments to XXXX and XXXX XXXX reporting agencies, since XXXX of XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. For the amount of {$450.00}. I call Capital One I was not able to speak with someone in the dispute department. No assistance was rendered. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 168a section 604 a section 2 it also states a consumer reporting agency can not furnish an account without written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) 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: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute several inaccurate entries on my credit report. Upon reviewing my credit report, I have identified the following inaccuracies and would like to have them investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates the investigation of disputed information within 30 days. 


Account Validation Request - Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX - Requested Action : Delete account. 



# # # Request for Investigation and Removal : Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ), I am requesting a thorough investigation into these items and their prompt removal if they can not be validated or corrected. Please ensure that all errors are corrected and that any unverifiable information is deleted from my credit report.

Additionally, in accordance with 15 U.S.C. 1681i ( a ) ( 6 ), I request that you provide me with an updated copy of my credit report reflecting any corrections or deletions made. There should be no fee associated with this updated report.

Please ensure that any relevant parties who have received my credit report within the past six months are notified of these corrections, as stipulated in 15 U.S.C. 1681i ( a ) ( 5 ).

I look forward to your prompt response to resolve these inaccuracies. Should you require any additional information to complete this process, do not hesitate to contact me.

Thank you for your attention to this matter. I expect a resolution within the required 30-day period as mandated by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX put a charge on my credit card that was paid off and in good standing. I have never missed a payment on this card. I check my credit often and noticed I had a XXXX late payment on this particular credit card. I called my credit card comp. They said it was a {$32.00} charge from XXXX XXXX. I called XXXX XXXX several times. Told I would get a call back from Supervisor. I never did. I called back and was placed on hold for a long time waiting for a Supervisor. As of now, I have yet to speak with a Supervisor. XXXX XXXX said it was for XXXX XXXX XXXX. That I cancelled almost a year ago. I never gave XXXX XXXX permission to charge my credit card. Now I have a 90 day late on my credit report. I never gave XXXX XXXX permission to charge my credit card and now my credit is ruined over a {$32.00} charge I did not authorize. No one is willing to help me resolve this issue. After I have tried so hard to keep my credit in good standings.
Product: Checking or savings account

For some reason PAYPAL banned me from using it's service.
Product: Debt collection

on XX/XX/2022 a letter was sent stating that I were disputing the validity of the alleged debt by certified mail. Also, a notice to cease and desist letter was sent on XX/XX/2022. Re : Notice to Cease and Desist Account Number : XXXX XXXX Dear GLA COLLECTIONS, To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via email dated XX/XX/2022. While checking the above report, it came to my notice that your Company has furnished an account on my report. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation