23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Rushmore Servicing has charged me {$1900.00} for XXXX XXXX for the period of XX/XX/XXXX - XX/XX/XXXX. I believe this insurance is not required but Rushmore Servicing has placed this insurance and assessed me for it. Although I have been recently charged by Rushmore for this insurance, the insurance carrier, now XXXX XXXX, sent me a notice that the insurance has not been paid for and the insurance has been cancelled. Rushmore Servicing has paid XXXX XXXX in the past but has now discontinued this coverage.
Product: Mortgage

I have 2 mortgages I just refinanced. The mortgages were transferred to this company. This company is a joke! 
Everything I am saying below occurred on XX/XX/19. 
I went to sign up on their website which is completely archaic. It wouldn't let me sign up without emptying my Cache on my computer. I have never heard of such a thing. Then I got signed up for one of my loans but it would not let me pay the loan through the website. So I didn't bother to sign up for the second mortgage. Then, I called them to pay my loans and they said the wait time was one hour and there was no way to leave a phone number for someone to call you back. So, I am going to pay my loans by snail mail and hope they apply them correctly. They have 500 one star reviews on XXXX. They're acting like a mismanaged, dysfunctional company and now I don't trust them to handle my personal information correctly. I wish you would investigate. 

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

Im highly dissatisfied with the experience I am getting with XXXX and Medicredit. On XX/XX/2020 I notified XXXX that it was multiple errors with Medicredit. They responded saying the information was correct and verified with Medicredit. So, I tried to contact Medicredit and I had no response, so I began to ask XXXX  what their procedures is. They then told me they contacted them to verify everything, I was still shocked because Ive yet to get in contact with Medicredit. The other Bureaus was not able to contact them, so they removed the information. So, this puts me a great belief they never contacted Medicredit. XXXX did not want to investigate the matter again until I let them know I was contacting Medicredit, with no successful response. They then responded with it has been verified. Once again Medicredit has not responded and has violated the law, how is it XXXX is verifying information? 

Please also find attached to this letters sent to XXXX  along with Medicredit.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT XXXX XXXX DATE BREACH VICTIM!

1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above.

2. Provide me with written confirmation of the results of your investigation.

3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights.

4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and XXXX. 
5. Provide me with an updated copy of my credit report once the corrections have been made.

6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request.

This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for this loan and the interest rate is 700 %. I obviously said no and was able to get a loan elsewhere fortunately. But, what I didn't notice is that the company still decided to use my ACH and debit my account even though I didn't fully complete the loan. Now, they continue to ACH my account for 700 % interest on a XXXX loan over 5 years and will not let me stop payment through their customer service, change my payment account or listen to me whenever I call. Now they're taking out {$250.00} every other week from my bank account. DO NOT EVEN APPLY FOR A LOAN HERE BECAUSE THEY WILL START TAKIN YOUR MONEY EITHER WAY. I
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have noticed some unauthorized and inaccurate information on my credit report. Hence, I am writing to request an investigation and removal of the unauthorized and inaccurate information. 

It seems that Experian, XXXX, and XXXX  have a systemic problem in its limited categorization of the inquiries it receives and its cryptic notices and responses. Their employees are no more than data entry clerks in the dispute and investigation process. Their investigations of disputes sometimes involve merely verifying that the information matches their own computer records, without undertaking a meaningful examination of the underlying facts. Therefore, I am requesting Experian, XXXX, and XXXX  's credit investigation to involve reviewing documents, researching facts, interviewing witnesses, or comparing handwriting. In addition, I am requesting that Experian, XXXX, and XXXX  obtain a copy of the underlying application or contract from the furnisher, and provide several handwriting samples, such as copies of cancelled checks, a drivers license or backs of credit cards that include my signature. If these critical documents are left out of the investigation process, it may violate the FCRA. 

I have been receiving harassing phone calls from some debt collectors. All of the debt collection agencies are committing actions that are prohibited by law. It is my understanding that debt collectors may not harass, oppress or abuse debtors or any third parties they contact. I have also been threatened to be taken to court if I do not pay these debts. These phone calls are completely oppressive, harassing, and burdensome. 

Please be advised that the companies performing the harassing phone calls are listed below. 
XXXX XXXX - {$400.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX - {$0.00} DXXXX XXXX XXXX / XXXX - {$0.00} Please note that the account listed as XXXX XXXX XXXX has a balance of {$0.00} ; the account listed as XXXX XXXX XXXX XXXX has a balance of {$0.00} ; the account listed as XXXX XXXX XXXX XXXX XXXX XXXX has a balance of {$0.00}. 

Please be advised that there are some unauthorized hard inquiries on my credit report : XXXX XXXX XXXX XXXX, Inquiry : XX/XX/XXXX XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX I did not authorize or give consent to Experian, XXXX, XXXX  or any other agency to furnish information related to me and these transactions occurred without my permission. 

The information mentioned about is unauthorized and incorrect. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act, 15 U.S. Code 1681, 15 U.S. Code 1692g and 15 U.S. Code 1601.
Product: Credit reporting or other personal consumer reports

National Enterprise System is the 3rd party trying to collect in this debt. XXXX XXXX purchased this debt from XXXX. Now XXXX is claiming that I owe them this debt. {$2600.00}, from XX/XX/year>. 
Summary of Complaint : I am submitting this complaint against XXXX XXXX concerning their collection practices and the validity of the debt they claim I owe. Below are the specific issues : Ownership of Debt : Provide documentation of the chain of ownership, including how the debt was purchased and transferred to the collector. 
Legal Collectability of Charged-Off Debt : Clarify how a charged-off debt remains legally collectable and why collection efforts are continuing. 
IRS Reporting ( 1099-C ) : Explain why a 1099-C form has not been issued if the original creditor has canceled the debt for tax purposes.

Compliance with FDCPA : Detail how the collector is adhering to FDCPA rules in their communication and collection practices.

Use of OC-10 Federal Reserve Window : Explain whether the original creditor used an OC-10 Federal Reserve Window or similar process involving negotiable instruments, such as a promissory note, to settle this debt, and clarify why this debt is still being pursued if it was already processed through such mechanisms.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive filled a complaint with this company before. The account doesnt belong to me. They previously presented a payment history that Im unaware of. They also have reported inaccurate information with has ruined my credit profile. Ive attached the reporting documents. The account open dates are all different and they have continued to leave this unknown account ; OPEN on my credit profile.Ive contacted the company and theyre unable to provide documentation to prove my identity.PLEASE REMOVE THIS ACCOUNT!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX  card charged off in XXXX. But reappeared as closed but late payments. Was written off then sold to collection agency that's trying to charge a different amount.
Product: Credit card or prepaid card

I gave notice and notice is attached. I love you all! Unjust enrichment is not fair nor equitable. 
Subrogation is a form of equity and subrogation is right to subrogation not an opportunity. Equity is recognize by the u.s. constitution article iii subsection ii paragraph i. I certify my right to subrogation and substitution. Being that I am the subrogee and implied surety that was not primarily liable for the debt but tendered all consideration but not a volunteer and performed under legal compulsion to discharge a debt by subrogee. I the subrogee is now entitled to benefit from all collaterals or liens which the creditor held as security ; and since I am secondarily liable is entitled to be subrogated to the rights of the creditor against the person primarily liable. Internal Revenue Service will be notified if this matter is not settled. This is unjust enrichment, and usurpation. A writ of Quo warranto lies against you to prevent malversation and peculation. 

So, whenever a surety, or other person secondarily liable, discharges a debt, he is entitled to the benefit of all collaterals or liens which the creditor held as security ; and the person secondarily liable is entitled to be subrogated to the rights of the creditor against the person primarily liable. 

Equity regards the payment by the surety, or other person secondarily liable, as equivalent to a purchase of the creditor 's rights, equities and collaterals as against the debtor primarily liable ; ( XXXX ) pays a debt, or discharges an encumbrance or lien, being under legal compulsion so to do, he will in Equity be substituted to all of the creditor 's rights against the person primarily liable. 

Where a surety discharges the debt or obligation of his principal Where any person, for his own protection, or the protection of some interest he represents, pays a debt for which another is primarily liable. 

Definitions from XXXX business guides dictionary of banking terms. 

Collateral. Asset pledged as security to ensure payment or performance of an obligation. In bank lending, it is generally something of value owned by the borrower. If the borrower defaults, the asset pledged may be taken and sold by the lender to fulfill completion of the original contract. Paper negotiable instruments and title documents. 

Security. Personal asset or property that can be pledged as collateral ; a good faith GUARANTY by a co-maker to pay an obligation if the borrower defaults. ( account was settled ) Equity. Value of stockholders ownership interest in a corporation after all claims have been paid, and thus a claim in its assets in proportion to the number, and class, of shares owned. 

Substitution. Replacement of one creditor by another, also known as subrogation. 

Subrogation. Substitution of one creditor for another in settlement of a claim or obligation, or transfer of ownership, as when a mortgage is sold in the secondary market. 

I gave notice and notice is attached. I love you all! 
PNC Bank XX/XX/2022 XXXXXXXX XXXX hard copy return receipt tracking XXXX
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in TransUnion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts from my credit report. These accounts are fraudulent, created without my authorization as a result of a data breach. Pursuant to XXXX XXXX. XXXX ( a ) and FCRA XXXX ( b ), I ask that you take the necessary steps to remove them from my report : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The first thing that happened was that I had got a notification from a website that I won a tablet so I felt out the application for it and a little bit later I decided to check my chime account and it showed me that something was pending for XXXX $ and that wasn't from me. So then I decided to call chime and they told me that they were going to do a dispute and to cancel/ get a new card. And then I called XXXX and they told me to call chime back to let them know that there was nothing that they can do because it was authorized. When I didn't do that because I don't even have a XXXX account. So then I called chime back that's when they said that they closed the dispute and they didn't even investigate nothing, then they told them if I get anymore proof call them back, then some someone tried to order more stuff on Wednesday at XXXX pm for something called XXXX, then on something called XXXX on Saturday at XXXX, so I called chime and told them about it and they told me to cancel my other card and to dispute it, and then with all those disputes they closed them all without checking into it, they told me that it was enough to reopen the claim, until I got a message saying that they weren't going to reopen it, they have told me to do a police report which I couldn't do because they weren't trying to get what the officer was saying to them so there was nothing he could even do, sense I had chime my money has been getting stoled not only on this cards but on other cards kind of connected with chime, this has been happening for now over a year and I really need my money back because over a year ago something was charged for XXXX $ dollars, there's other stuff that I may not be aware of, if money that I may not be aware of because I thought my money was safe cause there's large amounts of money that I can't explain, my ssi goes there, I had problems with my tax return and my stimulus on XX/XX/XXXX in XXXX Friday XX/XX/XXXX of XXXX, Monday XXXX XXXX, Tuesday XX/XX/2021, XXXX XXXX and etc. 

I couldn't do a police report because they had closed the claim The officer name is Officer XXXX and his number is XXXX Then I called them back, they told me that they were opening the claim, and then a few minutes later I got a email saying that the claim was closed, my social security checks and IRS and stimulus is linked to chime. Please help me because nobody would
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying since XX/XX/XXXX to get Equifax to remove inaccurate data from my credit file. They are reporting inaccurate and duplicate student loans on my credit file. Loans that have been paid in full are reported with derogatory information. Exhibit 1 - XXXX clearly show only XXXX loans fromXX/XX/XXXX to XX/XX/XXXX ( one loan per semester ) that amount to no more than {$60000.00}, yet, they are reporting more than 34 loans with derogatory statuses that amount to over {$100000.00}. Furthermore, the payment statuses, loan amounts, and historical information do not accurate report what is in the XXXX XXXX XXXX XXXX XXXX ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these items XX/XX/XXXX after noticing them on my credit report along with other fraudulent accounts. I disputed this particular item with others XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX correspondence was even sent from XXXX stating they were masking them and deleting. this has not happened to date and keeps coming back as verified. I have sent copy of police report as well and requested the full description of how the investigation and reinvestigations were performed and never have received anything.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, a 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 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency can 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: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXXXXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX and Citizens Bank equity line account at is over 7 years old and it should be remove for my account. Equifax refuse to remove this information from my credit report.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my file. The late payment is inaccurate, the payment was made on time. Please update the late payment markings to show the correct payment history. Update the account below : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Made several attempts to inquire about hard inquiry via certified mail. Company failed to comply according FCRA guidelines. Company failed to reply within 30 days.
Product: Checking or savings account

XX/XX/2024 my sister who signed the back of the her checks from XXXX XXXX XXXX XXXX for me to deposit into my account. It was 3 checks of back pay from the month of XXXX, XXXX, and XXXX because she didnt want to pay a fee at the currency exchange it wasnt a problem because we had done this before with no problems we live at the same address. The next day one of the checks funds was available. We called on XX/XX/2024 Chase Bank told us that my account was restricted and the funds was on hold because they couldnt verify the phone number with her name. I provide them with her number and they said they couldnt verify her phone number. I even asked them could we come to a branch with her ID, social security card and birth certificate they said no thats no how they verify. They are now holding on to the funds and threatening to close my account. Ive been with chase bank for over 10 years. I am offended and I dont know what to do. They have the account restricted and the funds are on hold
Product: Debt collection

My doctor sent me to have a XXXX done prior to my XXXX. The doctor that performed my XXXX ordered me to have XXXX done. I gave them my insurance card. 
I do not understand why one year later they sent me to collections. I found out when I checked my credit score. 
I immediately called this collections office and asked what was going on. The lady that answered the phone said they sent me letters in the mail but they were returned. That is not true because I never received anything and I never sent anything back either. She said she was going to send me paperwork in the mail for me to review about the visit. And this was 2 weeks ago XXXX XXXX and I have not received anything. 
I also called the same day the place where they did the XXXX and I told them I had health insurance and I did not understand why they did not bill them. She said it had been longer than a year so they could not do it. But that is not my fault they did not do it. I had health insurance since XXXX XXXX, 2015 and at the time of that service my insurance was paying 80 % and I was responsible for the remaining. 
I have not received anything in the mail explaining to me why they failed to bill my insurance. I have proof I had insurance at the time of service, and it would have been really stupid of me not providing them with that important information when I went there to have a XXXX done. 
If I am requested I can show proof that I have been insured since XXXX 2015 I know I am responsible for 20 % of the debt, and I do agree with it completely. But I am not liable for the whole amount. 
I will pay what I am responsible for.
Product: Credit reporting, credit repair services, or other personal consumer reports

First I am submitting this complaint on my own without any outside assitance from any 3rd party companies. I mailed a dispute via USPS certified to XXXX, Experian, and XXXX all delivered and signed for XX/XX/21 concerning inaccurate reporting on my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus have refused to correct their mistakes and are in violation of 15 USC 1681n willful non compliance of their errors are also in violations of 15 USC 1681b Permissible purpose. I am therefore requesting a copy of my written instructions that should be on file. I am also requesting a copy of my notice that the company sent to me that notified me of these accounts being placed on my report. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Remove this Account because the payment history reflects continued reporting a charge off after this Account was closed in XX/XX/year>. 

XXXXXXXX XXXX XXXXXXXX That is an improper use of my crdit report
Product: Credit reporting or other personal consumer reports

Unauthorized inquiry from XXXXXXXX XXXX has hit my account as of XXXX and this was not completed by me, the consumer. This is violating my rights and is fraudulent. This aligns with code 605B.