23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a payoff statement from Rushmore LMS dated XX/XX/2021 in the amount of {$90000.00}, which was good through XX/XX/2021, with a charge of {$13.00} every day thereafter. I closed on XX/XX/2021 and the buyer closed and paid off the loan on XX/XX/2021 using the payoff statement that was provided by Rushmore dated XX/XX/2021. 
On XX/XX/2021, the loan was credited by Rushmore as paid in full. Late in the afternoon on Friday, XX/XX/2021, I received a call from the Title company stating Rushmore returned the payoff without explanation. ( Mind you this is 10 days after Rushmore received the payoff. ) I contacted Rushmore and was told the funds were returned because it was {$760.00} short. Rushmore said the shortage was for a foreclosure attorney. They also said it was added 7  days after I received the payoff statement dated XX/XX/2021. The house was never in foreclosure. When I called to ask for the payoff amount the Customer Service Rep stated the property was not in foreclosure so she can request the payoff. No one informed me of extra money being due before, or after closing. ( Until 10 days after and I was informed by the Title company not Rushmore ) Late in the afternoon on XX/XX/2021 I sent the title company an extra {$810.00} to resubmit the payment. Of course, since we were informed late in the day, on a Friday, they were not able to resubmit the payoff until Monday XX/XX/2021. I sent extra just in case they were going to charge me extra interest for the weekend. The payment sent was now for {$91000.00}. 
On XX/XX/2021 I contacted Rushmore to ensure the payment was received and the settlement was finalized. I was informed of a new payoff amount of {$92000.00}. Now they wanted {$360.00}. XXXX more. No one could tell me why. My case was escalated and I was to receive a call back by a manager. By the end of the day, XX/XX/2021, I hadn't received a call back so I called and was told I was on the call back list and maybe they meant they would call back within XXXX hours. I called back on Friday XX/XX/2021 and was told I was still on the call back list. I called back on the XXXX and XXXX and was still told the same thing. On XX/XX/2021 I wired the extra {$360.00}, this cost me {$25.00} to wire. I never received a call from a manager and they marked the loan as paid in full. On XX/XX/2021 I received at letter dated XX/XX/2021 ( which is the date I was supposed to receive a call back XXXX, stating Rushmore is selling the loan to another mortgage agency. 
I also noticed I was charged late fees of {$140.00}. The loan was in forbearance therefore no late fees should have been charged. 
I want the total of {$1300.00} returned to me. This included the {$810.00}, {$360.00}, {$25.00} wire fee and {$140.00} fees.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

INQUIRIES : 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

I have Disputed this account from Experian And XXXX they removed the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT TYPE Collection Account DATE OPENED XX/XX/year> BALANCE {$780.00} ORIGINAL CREDITOR XXXX XXXX XXXXXXXX XXXX to turn around and put back on my credit report with the proper investigation without any additional information. Im very vivid!! They are selling my information which is a violation of rights I dont have a contact with any of these companies nor have given them permission or consent. They are making monetary fee off of me. For them just place this for me and my character, credit to be able get my fair credit worthiness. I believe I am being judged treated unfairly under the fair credit act. I have sent in my documents from ftc report my police report reporting it to cfpb
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Equifax, XXXX and XXXX responded to my complaint that I filed with the CFPB regarding Chapter XXXX bankruptcy that is on my consumer report each of the credit bureaus claimed that they verified this information with the Federal Courts, they never provided me with a name, address or person. It just states it was verified by courts. On XX/XX/XXXX I wrote to US Bankruptcy Court asking did they verify my information with credit buraus and they sent back the attached correspondence stating they do not verify records with credit reporting agencies. I also checked XXXX and XXXX  websites an it states they both verify bankruptcies with the courts.
Product: Credit reporting or other personal consumer reports

THE COMPANY XXXX XXXX XXXX XXXX. IS REPORTING INFORMATION XXXX IS NOT BELOWN TO ME.I check my credit report and find information is not below to me and is affecting my credit score. please help me to remove inmidiatly
Product: Credit reporting or other personal consumer reports

I have receive fraudulent reports via my XXXX report regarding Vehicles I didnt authorize my credit to be pulled or check bringing my credit down numerous points
Product: Debt collection

National Credit Adjust has recently struck my credit with a a debt in the amount of {$1000.00} and has marked it as 30 days late. This is absolutely false and is not my debt. It's the only blemish on my record as I keep up with all bills on my credit weekly. Second off they are a company that buys debt from those that default to which I ask where on my credit is this debt to begin with that they bought? It does not exist. I just randomly received a 30 days late collections notice out of the blue with no account prior which was connected with said debt. This is % 100 not my debt which claims was opened on XX/XX/XXXX which was the week of XXXX which I was in Alabama visiting my parents and had absolutely no need to get any sort of loan let alone from a payday ultra expensive borderline illegal percentage rate type of loan. But as for the hardcore reasoning that should have this removed regardless if it was or if it wasn't I've copy pasted the CFPBs rules on credit reporting and it reads as follows ; When can a debt collector report my debt to a credit reporting company? 
The CFPBs debt collection rule requires debt collectors to take certain steps before reporting a debt to a credit reporting company. Once the debt collector has followed the rules about how to contact you, then they can report your debt to a credit reporting company, provided they follow other laws about credit reporting.Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. 
If a debt collector sends you a validation notice about a debt, it means they have satisfied their requirement to contact you and, in general, can begin to report the debt to credit reporting companies. 

- Absolutely non of those REQUIREMENTS were met as again this just popped up on my credit report XXXX day when I never had an account to pay into or not pay into in the first place. As per your plain English rules lay out clearly and with National Credit Adjust fully aware of this being the case I ask that this be removed from my credit report immediately and ask that the National Credit Adjust organization never put anything on my credit without me knowing prior from today moving forward otherwise I will be seeking monitary compensation to include all lawyers fees and expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXXXXXX XXXX XXXXXXXX : XXXX -- -> : {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am responding to the previously two inter-related complaints XXXX and XXXX regarding a fraudulently applied for and maintained XXXX credit card ( account XXXX ) in my name, that occurred while I was XXXX on XXXX XXXX XXXX XXXX within the XXXX XXXX XXXX XXXX and XXXX XXXX system. 

First, XXXX XXXX XXXX exceeded the 30 requirement for responding to both your office and me. My complaint to XXXX XXXX XXXX was made in XX/XX/XXXX. My request for your intervention was made in XX/XX/XXXX. 

Secondly, the account information submitted by XXXX, at the XXXX XXXX XXXX XXXX XXXX only proves to substantiate my complaint that a XXXX credit was in fact opened in my name and maintained in my name using my former address, however I was not at my home address and I was unable to remit payments on this credit card, because I was XXXX in both the XXXX XXXX XXXX  of XXXX and XXXX XXXX XXXX XXXX system from XX/XX/XXXX to XX/XX/XXXX. 

Not only did XXXX exceed the 30 day requirement for responding, but it responded with information showing that someone, other than me opened the credit card account. 

Furthermore, this XXXX credit is incorrectly being reported on my credit reports an active account when the account was closed in XXXX. My credit score is now incorrectly being reduced with an erroneous credit reporting from a credit card fraudulently opened and maintained and still being reported as an current debt, when the credit card was closed and written off in XXXX. 

I request your intervention under the Fair Credit Reporting Account of motivating XXXX XXXX XXXX to remove this incorrect information from my credit reports. 

Thank you in advance for your attention to my request. 

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

n accordance with the Fair Credit Reporting act XXXX XXXX {$830.00} 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: Debt collection

Outstanding personal property tax bill ( XXXX XXXX VA ) from previous county of residence paid in full on XXXX. After locating original bill with " paid in full '' receipt from personal records and subsequent call to County of XXXX it was uncovered that the County had, on several occasions, attempted to notify ADP of corrected status in XXXX and XX/XX/2021. 
Subsequently, XXXX sent a notice of wage garnishment on XXXX ( per attached letter ) and received on Friday XXXX ( at my home address ). Document stating that a tax levy order was submitted by County of XXXX ( after my personal investigation ) on XXXX. Funds were garnished from paycheck in the amount of {$240.00} on XX/XX/2021 as evidence by paycheck stub. 
Call to XXXX county to review paid receipt and confirm " closed account status '' clarified the issue and prompted a call to ADP to uncover root-cause and initiate process to return payment of " double paid '' account. ADP Representative was briefed on situation and instructed me to call XXXX County to have someone call ADP to " release the request. '' A brief albeit respectful instruction was made to initiate resolution in real-time via conference call. Per both agency 's I am due a full refund and so have copied my current employer 's payroll department to close the loop. I will continue to follow up until an acceptable refund and resolution has been completed. 
I understand the importance and necessity of collecting funds due and the limitations and challenges that the pandemic has created. These challenges do not negate the absolute importance of appropriate and timely connectivity and communication. I have recovered a detailed timeline of events as well as documentation that I am willing to review on any further follow-up or formal investigation as the information reveals quite a bit of sensitive personal data. Thank you for your assistance. 

Letters and names of individuals from both ADP as well as the County of XXXX will be provided upon request.
Product: Money transfer, virtual currency, or money service

I used cash app to send a friend XXXX $ she never received it I reported it to cash app they said she had to do it from her app because it showed as complete. She also contacted them several times and they said I need to I reached out again and was given the same reason I also sent screenshots of her conversation on cash app where they said I had to and was told she had to contact them and although we both gave them photo proof she didnt get it they refused to refund my XXXX $
Product: Student loan

I have a total of {$100000.00} in student loan debt - {$82000.00} of which are from private loans. Every month I'm responsible for paying {$1300.00}, which I struggle immensely to afford. My largest burden is to Sallie Mae - {$970.00} each month. I've contacted them several times over the years trying to find amenable options to help to deal with this debt. I've used up all my Forbearance options. The last time I spoke with them reaching out for help and asking for lower payment options ( I believe XX/XX/2016 ), they told me it was not possible and that either my cosigner needs to pay up or that I would have to just default and then see what happens then. My cosigner is unable to help out with the loans. Even with a cosigner, I don't qualify for consolidation or refinancing because my debt to income ratio is too great. I'm swimming in debt, and barely have enough to cover my other expenses like housing, medical bills, food, etc. I need.
Product: Vehicle loan or lease

My niece traded her vehicle in, last year. I was the cosigner. The dealer she bought her next vehicle from, paid off the remaining balance. Ford is still harassing is for the money. Everytime they do, they hit my credit score for over 60 points each time. So far, it's over 150 they hit me for. This needs to stop.
Product: Debt collection

Today, at XXXX, a women who after I asked several times said her name was XXXX XXXX XXXX called me and acted like I was aware of the debt she was speaking of. I told her someone else called this past XXXX and he without making an attempt to make clear what he was talking about, was asking me for permission to record the call. I declined and asked what he was talking about. He finally stated it 's a Capital One credit card debt from 15 years ago. He started making some snide comments and I told him that I 'm not sure about this debt, but if it 's been 15 years you will have to forget about it. I told him not to call ever again and had to hang-up because he kept speaking. I 've had plenty of calls since then but did not answer because of the XXXX area code. But today this XXXX got me and wanted to get me to pay despite my repeated attempts to ascertain the nature of the call. She said it 's a Capital One credit card debt from 15 years ago that was {$200.00} that they usuriously grew to over {$5000.00}. I talked over her telling her to not call again and I could n't make out what she was threatening to do. I 'm sure over a decade ago I sent them a written desist demand. They keep pulling my credit report and harassing me. I want them to stop contacting me and stop pulling my credit report, They are a less than reputable company and have grown because there are a lot of foolish people that do business with them, or have they changed? I doubt it. They even state on an old collection notice that they ca n't sue or report payment or non-payment to a credit bureau.
Product: Credit card or prepaid card

I have an account with asynchrony bank, they gave a limit of {$1000.00}. I have never been late kept my balance under {$500.00} at all times, they lowered my limit to {$370.00} and then reported my card as being over the limit
Product: Mortgage

We received the Trial Modification from Ocwen on XXXX/XXXX/XXXX and returned it immediately, signed and notarized. Subsequently, it was confirmed that the XXXX " Trial '' payments were due on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX for {$1800.00} each month. In the interim, I had contacted XXXX XXXX to see if I was eligible for any assistance because I was unsure how long I would be unemployed. Luckily, I was eligible for their Unemployment Assistance program which could pay the mortgage for up to eighteen months, if needed. 
As things turned out, I found employment with the State of California shortly after being approved for assistance ( although I would only receive a monthly paycheck ) and needed to wait 30 days for the income to begin. Again, things worked out insofar as the policy of the XXXX Unemployment Assistance program was to provide a four month " cushion '' of mortgage payments AFTER XXXX is re-employed. As a result, XXXX made a LARGER payment of {$2000.00} to Ocwen for FIVE months, per Ocwen 's instructions. Ocwen received a payment of {$2000.00} on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. All of these payments were confirmed by my wife and I as being paid by XXXX and received by Ocwen prior to their respective due dates. We had spoken with associates at XXXX and Ocwen each month to insure that the " Trial '' payments had been paid and received. We specifically referred to these as " Trial '' payments when we spoke to the Ocwen associates, who confirmed they were received and said that the Permanent Modification would be forthcoming, once the XXXX Trial payment was received. 
For this entire FIVE month period of time, Ocwen collected these " Trial '' payments for the INFLATED amount and NEVER notified us, the property owners that the modification was in jeopardy. We were unaware that seeking assistance from XXXX violated ANY rule against the acceptance of a modification from Ocwen ; after all, we had already accepted and notified Ocwen of our acceptance of the trial modification. Also during this time, Ocwen did NOT inform XXXX or us that the amount they asked XXXX to pay on our behalf was greater than the contractual Trial Modification amount or that the payments were to be used for any other purpose than the " Trial '' payment in which it was intended and confirmed with XXXX to be applied as. Ocwen was completely aware the payments were coming from XXXX, because they informed XXXX to pay the {$2000.00} amount to them. In fact, Ocwen appears to have waited until the KYHC Unemployment Assistance was terminated and the last payment was received, BEFORE sending the decline letter. A highly dishonest and unethical business decision. 
If Ocwen had once mentioned to us that by having XXXX make the Trial payments for us, that we would lose or modification, we would never had accepted the XXXX Unemployment assistance. But at no time, did Ocwen say anything at all. They did not communicate with us at all.
Product: Money transfer, virtual currency, or money service

Zelle allowed me to send money to someone who was in my list that had not been sent money in over 4 years without any warning, confirmation or request to verify who the person was. This was sent to the wrong person and they refused to return it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to correct my credit report for over 6 months. I have asked all 3 credit bureaus to provide proof of the debt ( 609 LAW ) in writing several times and have been ignored with no responce. I don't have any knowledge or recollection of these debt. I believe they are reporting incorrectly and it is affecting personal and financially. Please remove the following inaccurate items listed below from my credit report. 

XXXX XXXX XXXX XXXX : Status Collection account. {$1900.00} past due as of XX/XX/XXXX ( THIS IS NOT MY DEBT ) XXXX XXXX XXXX : Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1800.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Payment summary not showing XXXX XXXX XXXX : Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1200.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$620.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$260.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX XXXX