23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX   XXXX   XXXX  which I paid monthly since   XXXX   XXXX   with assistance for this issue in the amount of {$250.00}. As of   XXXX   XXXX   XXXX   I completed the modification which began on   XXXX   XXXX   XXXX   through   XXXX   XXXX   with making monthly mortgage payments in the amount of {$770.00} ( to  Rushmore Loan Management Services )  signing off on the papers on   XXXX   XXXX   XXXX  , with  XXXX   XXXX   XXXX  and sent to  Rushmore 's  Counsel ( unsure of the name of the counsel located in  XXXX   XXXX .  XXXX  ) I have n't received the final copy of the executed modification documents, nor their dismissal of the foreclosure. In addition, and just as concerning is the fact that the payments were made on time and they keep reporting late payments to the Credit Bureaus. Most recently and just as alarming is the bill I received in the mail from  Rushmore Loan Management Services  is for a monthly payment of {$2500.00} due   XXXX   XXXX   XXXX  . When I signed off on the modification documents the payments went from {$770.00} in the modification trial period to {$750.00}. Even with the payment of {$750.00}, I have continued to pay {$770.00} per month to help lower the principal balance due on the mortgage. I have read numerous reviews how  Rushmore  continues to place further hardship on their customers under the foreclosure process. I felt by seeking legal counsel I could possibly be devoid of their stressful hindering tactics. It has been a total nightmare from the mediation with both counsel 's ( mine and  Rushmore  's ) to the insurance incident when I had to call the police and file a report on their insurance person who came out to assess the leaking roo f )  horrible informed my neighbors and called them constantly informing them of my mortgage status which was extremely embarrassing. I was told by a representative of Rushmore, they do n't take it lightly when you get attorney 's involved and tried to get me to get rid of my legal representation. In the final documents Rushmore 's Counsel had placed a clause stating I would not be able to seek counsel after finalizing the documents. I desperately need your help. This process has been extremely costly and painful to say the least. I was referred to your office through Senator  XXXX    XXXX   XXXX   office.
Product: Money transfer, virtual currency, or money service

I had many transactions happen that were unauthorized and chase bank has repeatedly denied my claims for invalid reasons, there was unusual activity on my account. New logins, and new accounts.some being on the XXXX XXXX then XXXX XXXX within the same hour on the same device. Ive spoke with many supervisors who highlight their findings for the review team, but they still deny my claims. I received a letter saying I would receive temporary credit within 4 days, but when I call to check status of the credits Im told thats a generic letter. Its actually 10 business days.. Even after I reported the transactions ; more were permitted on my account, but I didnt even have a card to make a charge from. Instead of the back team revising my claim to find the fraud : theyre looking for any reason to deny my claim.
Product: Credit reporting or other personal consumer reports

Each time I try to fix and or dispute inaccuracies, I am being told that certain things are factual. So here I am again, trying to fix inaccuracies on my report. All 3 reporting agencies is furnishing somethin different on each report. Trying to get this fixed is like looking for a needle in the ocean.
Product: Student loan

Around 2013 I got into IBR with XXXX XXXX at that time. The person who set up my loan repayment said that because of my income I would not have to pay anything. Immediately that changed. I received coupons in the mail telling me I had to pay about XXXX bucks a month. The next year the payments went to about XXXX/mo. My INCOME had gone down. So why were my payments going up? Then after paying for about 2 years I received notice that my loan payment would DOUBLE the next year to about XXXX/mo, after that it would go to XXXX/mo. How is this possible under IBR? When I called to discuss this with the company who had then become " Navient '' they gave me a run around that I was no longer in IBR since it was no longer available and that I had to get into a new plan. The woman on the phone was very nasty to me with this information. Since then I have received over 100 phone calls from them from different numbers every time and sometimes they use my old area code to call me trying to get me to answer them, I do n't. This is not because I do n't want to make some kind of arrangement but because I read on forum posts constantly about these tactics and that they even have you pay then say you never paid and put you in default. Now i go to the Navient website and it says I have a XXXX balance and that my loan was paid off by XXXX XXXX. When I try to call XXXX XXXX directly using numbers found on the internet I get Navient on the phone, or some other company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent a letter off on XX/XX/2022. Here are my tracking numbers # XXXX # XXXX # XXXX To remove personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy, also according to 15 USC 6802. No Financial Institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act. ( EFTA ) and regulation E. These actions have caused signification inconvenience and financial loss, and I seek appropriate redress for these violation.
Product: Credit card

I wrote a letter to Target asking the company to provide me proof of my written signature. They in turn sent me a bill. Under the FDCPA Laws and the FCRA laws it is required that they can furnish me written proof of my signature validating that this debt is in fact mine, by them sending me a bill in the mail does not comply with my written request. They are violating my rights and the law by not furnishing me this information. I am to believe that because they chose to send me a bill instead that they can not provide me this information therefore they must cease collections and remove the debt from my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud. According to 18 US Code 1341 states Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do, places in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Service, or deposits or causes to be deposited any matter or thing whatever to be sent or delivered by any private or commercial interstate carrier, or takes or receives therefrom, any such matter or thing, or knowingly causes to be delivered by mail or such carrier according to the direction thereon, or at the place at which it is directed to be delivered by the person to whom it is addressed, any such matter or thing, shall be fined under this title or imprisoned not more than 20 years, or both. If the violation occurs in relation to, or involving any benefit authorized, transported, transmitted, transferred, disbursed, or paid in connection with, a presidentially declared major disaster or emergency ( as those terms are defined in section 102 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 5122 ) ), or affects a financial institution, such person shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both. This is fraud! I would be willing to pay the full balance right now in exchange for the original instrument of indebtedness. 12 US Code 83 ( a ) and ( b )
Product: Mortgage

We have a home in XXXX, XXXX that we purchased almost 10 years ago. We lived there for 2-3 years before we relocated to XXXX for a new job. We then put the house up for sale but due to the housing market plummet we were unable to sell the home and had to rent it. Then due to financial hardships including unemployment we had to try to shortsale or foreclose on the home. Two years ago ( XX/XX/XXXX ) we began the short sale process with Bank of America, the holder of the mortgage. Within the first 6 months we had between XXXX-XXXX offers valid, several were at or above the value of the home and XXXX of them were cash offers. None of the offers were accepted and for the next almost 18 month time period we have wrestled with their ridiculous system. We have filed the same paperwork over 5 times. We were even so frustrated that we have offered to file for a Deed in Lieu of foreclosure or even a straight out foreclosure and we were told that they would n't accept it. 

After doing some research we believe that Bank of America is " Dual Tracking '' our property, which is working on a foreclosure while also working on loan modification. This is not legal and they have lost class action suits for this very action. We have now begun to receive notification of Foreclosure process even though we are still semi-weekly filling out and faxing paperwork for the loan modification process so we can short sale. 

At this time we have once again XXXX-XXXX valid offers for short sale on the property. They have been adding bogus fees to our monthly statements including fees for yard work, lock change, cleaning, maintenance, mail fees, etc. some of which we believe they have made up because we have received no documentation. We paid for the proposed yard work and maintenance performed on the property out of our own pockets.. We also just received a statement with an Attorney/Trustee fee which leads us to believe they have already begun the foreclosure proceeding. At this point we just want to be done. We 'd love to have the home sold but we really do n't think they are ever going to process or accept an offer. We 've been doing this since XX/XX/XXXX and it 's exhausting. BoA is clearly working against itself. While they tell us during regular phone calls that the loan modification / short sale process is moving forward, we receive letters indicating they are foreclosing. 

I spoke to BoA on XX/XX/XXXX at XXXX ( MT ) XXXX XXXX ( our Account Manager ) informed me at that time that the property did NOT have a foreclosure date set and that we were now being moved into either a Short Sale or Deed in Lieu of foreclosure. I opted for Deed in Lieu, citing BoA 's history of unwillingness to allow a sale to go through. I also told her that we had offers on the table. 

She informed me that we would follow up on XX/XX/XXXX. 

In the meantime, we received notice that they house had been rekeyed and it was moving into foreclosure.
Product: Vehicle loan or lease

I tried getting a auto loan for the first time at XXXX XXXX on XX/XX/2022 and when XXXX XXXX ran my credit he gave to me my credit report and told me I wasnt eligible for a loan due to me already having a auto loan that was closed. I have never had an auto or loan. He suggested i call the company at 800 loan mart to see what was going on. I proceeded to call and had my wife XXXX XXXX explain the problem because i authorized her to better explain what was going on. We were both on the line gave them account numbers XXXX and XXXX which are the accounts shown on my credit report. None matched my name address or social security number. We were transferred numerous times. We talked to XXXX, XXXX, XXXX, and XXXX representatives from 800 loan mart and we were told the loan belongs to XXXX XXXX with the account number XXXX. We were also told that last four of the social security number used for this loan is XXXX for the account number XXXX not the last four of my social. This is a mistake on my credit report and loan mart told me i had to report it to the Bureau and let them know I already spoke with them to get it removed so i can proceed to take out my first auto and auto loan.
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 XXXX XXXXXXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$4300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$4300.00}
Product: Credit card

This is a complaint against Capital One XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, for my {$25.00} dispute with XXXX, XXXX XXXX XXXX : XXXX Merchant : XXXX XXXX XXXX, Amount : {$25.00} Date : XX/XX/year> XXXX ending in XXXX XXXX, XXXX, XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX On XX/XX/year> I filed a written dispute with Capital One for a {$25.00} dispute with XXXX, XXXX for a charge made XX/XX/year>. My XXXX page dispute is attached. 

Capital One denied my dispute, claiming I did not provide the requested information. The Capital One letter of XX/XX/year> is attached. 

Subsequently I found XXXX emails with XXXX that are attached : XXXX email to me Thursday, XX/XX/year> at XXXX XXXX XXXXXXXX, refill amount {$25.00}, Capital One XXXX ending in XXXX. 

XXXX email to me Thursday, XX/XX/year> at XXXX XXXX XXXX, Order Details, {$25.00}, Your funds have been added to your XXXX Cash balance and can be used right away. Capital One XXXX ending in XXXX. 

XXXX email to me Thursday, XX/XX/year> at XXXX XXXX  XXXX XX/XX/year> AT XXXX XXXX, Thanks for riding with XXXX! Standard fare ( XXXX, XXXX XXXX ) {$6.00} My response email to XXXX XXXX Thursday, XX/XX/year> at XXXXXXXX XXXX  XXXX I PAID HIM {$20.00} CASH!!!!!!!!!!!!!!!!! REMOVE THIS CHARGE FROM MY CARD, AND CANCEL MY XXXX ACCOUNT!!!!!!!! 

Proposed Resolution : Approve my {$25.00} dispute with Capital One for the XXXX charge. Otherwise, I plan to file a lawsuit against XXXX  and Capital One, and depose XXXX driver " XXXX '' to find out why he did not give me a receipt for the {$20.00} cash I paid him. As for Capital One, it treats cardholders like dirt. I plan to close my Capital One account as soon as possible. Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue : Chapter  XXXX  filed  XXXX     2010.    According to the Fair Credit Reporting Act, a  Chapter   XXXX  bankruptcy will be removed from your credit report after  seven years.      However, the Credit bureaus ( except  XXXX   ) s till report Chapter  XXXX  on my credit report. In particular the Credit bureau that On Site uses to do background check on apartment applicants : this is adversely affecting my ability to lease an apartment ; Relocating for a job.     Please assist. Thank you.
Product: Credit card

I am seeking your assistance with the incorrect account being reflected on my credit report. This error has harmed my reputation, and I need your help to resolve it. Your poor handling of my credit report has caused me great XXXX, and the inaccurate reporting has greatly impacted my reputation. You need to remove this false information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. Experian and XXXX must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

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

Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I am filling a complaint against Cashapp ( Block , Inc ) due to inadequate customer an unfair practices, which viopate the Consumer Financial Protection Act ( CFPA ) specifically, Cashapp failed to take timely an effective measures to prevent and address fraud on there platform, leaving my account vulnerable an unprotected. Furthermore there dispute resolution requirements under the Electronic Funds Transfer Act ( EFTA ) Regulations E. These actions has costed significant inconvenience and financial loss, an I seek appropriate redress for these violations
Product: Debt collection

Enhance collection company is showing in my credit report as representatives of XXXX. This account is not mine and when I call the collection agency they ca n't found records of it. Their phone number is XXXX XXXX XXXX XXXX XXXX. Enhanced recovery. So I want a letter from this company say that I have not debts with them and remove all the damaged they have done to my credit. 




An act to amend the Federal deposit insurance act to require insured banks to maintain certain records, to require that certain transactions in USA. 

The Fair Credit Reporting Act ( FCRA ) code section 1681 along with the Fair Debts. Please respond in the XXXX days period. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/XXXX I contacted XXXX Credit Card owned by Comenity asking what my entire balance due was to pay off the credit card. They responded on XX/XX/XXXX that my balance due was XXXX and that they would close my account at my request. On XX/XX/XXXX I paid them XXXX ONLINE. The next month I got a bill for XXXX which was two late fees. 
I contacted the XXXX and they got no response from Comenity and closed my case last month. I contacted Comenity in XXXX and again in XXXX. They refused to remove the charges saying that my payments was late in XXXX, and then they added XXXX 's fees because I didnt pay in XXXX either. I argued, and sent proof that they sent me a letter stating what I owed and that I paid it. They still refused to remove the charges. 
Today, XX/XX/XXXX I got a bill for {$200.00}. So since XXXX I have been billed an additional XXXX on a paid off account. 
I cant retrieve any messages that i did not download because they delete messages after 120 days
Product: Checking or savings account

They opened a bank account in my name in FROST BANK with a cashier check from my XXXX XXXX XXXXXXXX XXXX XXXX. 

I went to FROST BANK to do the report ( XX/XX/2022 ), I call XXXX XXXX, XXXXXXXX XXXX  to report the cashier check from them ( XX/XX/2022 ) and I did the Police Report ( XX/XX/2022 )
Product: Checking or savings account

This person gave me money to deposit and it didnt go through to my account the money was returned to them since its didnt go through and my account got frozen and I need it to be unfrozen
Product: Credit card

I applied for a XXXX XXXX credit card through the Chase mobile app after I received an offer showing XXXX points in rewards for opening this credit card and spending XXXX within the first XXXX XXXX. 

I have now received XXXX points and not the XXXX that were promised. 
I checked online and it seems the are several customers in the same situation. Chase makes offers to get clients to sign up for credit card and then dont honor their promotions even after client complies with all the requisites. 

I opened the card and spent the XXXX within the first month but Chase did not honor what was already approved. 
I also took a screenshot on my mobile app with the offer and confirmation from chase of the CC being approved with the offer when I opened the CC so I have this as well in case it is needed.
Product: Debt collection

Look at the dates in the account, Date Last Active : XX/XX/2016 XX/XX/2016 XX/XX/2016 This is inaccurate, making this report invalid. This account paid and in current status. The lates however are questionable since I asked them for proofs but I got nothing.
Product: Credit card

Opt-Out Notice Nondisclosure Option Please consider this formal notification that I, XXXX, a consumer entitled to the protections of 15 USC 6802 , am herewith exercising my right to revoke any and all authorizations, explicit or implied, written, verbal, or non verbal, that I may have previously granted to MIDLAND CREDIT MANAGEMENT. 
This opt-out applies to all past, present, and future authorizations related to Nonpublic Personal Information. I kindly request that you remove my information from any relevant lists or databases and cease any further activities authorized under the previously granted permissions.

Thank you for your prompt attention to this matter. Please confirm receipt and processing of this opt-out request at your earliest convenience. 
Sincerely, XXXX XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was pulled by XXXX XXXXXXXX XXXX  on several ocassions. I didn't apply for credit or authorize a credit inquiry. I want them removed asap. The dates of the inquiries are XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
The same for XXXX XXXX XX/XX/XXXX XX/XX/XXXX and lastly Ally bank XX/XX/XXXX
Product: Mortgage

I have a XXXX mortgage with PNC. The interest rate is very high. I have not received a statement for several years. they used to send a letter that acknowledged my payment, but that stopped too. My crime is paying early. According to XXXX of these letters, since I pay early I am not entitled to a statement. I have tried to sign up for online access, but it is not possible. Whenever I try to call the wait is longer than XXXX minutes. for 9 %, it would be nice to get some information about my loan. 

I have attempted to complain directly to the company, but I a form response that ignored my questions. Is this legal?