23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Rushmore Servicing aka Mr. Cooper aka Nationstar has continued to provide incorrect, misleading & contradicting information which has lead to them now beginning a 2nd foreclosure complaint while they continue with RESPA Violations. 1.In the XXXX Debt Validation letter reply Rushmore Servicing states that the investor is XXXX Asset Backed XXXX XXXX  XXXX. In the XXXX XXXX Foreclosure Complaint the Plaintiff names the investor is XXXX XXXX XXXX who they claim was the investor from an assignment of mortgage and was the investor in XX/XX/XXXX which clearly contradicts Rushmore Servicing reply in XXXX debt validation letter. XXXX. XXXX XXXX XXXX XXXX used the same exact word for word and number by number XX/XX/XXXX Foreclosure complaint as the Foreclosure complaint that was dismissed in XX/XX/XXXX. XXXX. XXXX XXXX XXXX XXXX they spoke with Representative at Nationstar who has knowledge of the account yet the Servicer is Rushmore Servicing and NOT Nationstar. 5. Rushmore started this most recent XX/XX/XXXX Foreclosure complaint, while stating the incorrect account balances in question ( legal fees, maintenance, title fees, etc.. ) were still be investigated and would have answers by XX/XX/XXXX, Unless extension is needed & no foreclosure proceedings would begin before the balances were confirmed as correct/incorrect. These continued contradictions and misleading replies has caused us both financial and emotional distress due to their RESPA VIOLATIONS and need to be rectified and any foreclosure complaint to be cancelled immediately.
Product: Mortgage

PHH is a mortgage service provider. They took over mortgage servicing for my existing mortgage in the summer of XXXX. My homeowners insurance renews yearly on XX/XX/XXXX. At the end of XX/XX/XXXX and XX/XX/XXXX I received communication from XXXX that my howeowners insurance had not been paid and that it would lapse. XXXX says they do this after reaching out to the mortgage servicer twice to get me the option to resolve or pay myself. After about XXXX hours of investment of my time with PHH, I was able to get them to pay out the homeowners insurance. 

In XXXX of XXXX, this same cycle happened again. However, as of today, XX/XX/XXXX, the full amount of the homeowners insurance has not been paid. PHH would tell me that they are going to charge me for homeowners insurance and XXXX is telling me they haven't been paid by PHH!!!! I have spent over XXXX hours trying to resolve this issue. 

I want PHH removed as a mortgage service provider. This is the second year they have attempted to purchase homeowners insurance for me and charge me for that while not paying my homeowners insurance which they have in escrow!!! This is out right fraud and if I had not been investing this amount of time and effort I would be paying exhorbitant insurance rates for less coverage and having my existing coverage lapsing. I have had mortgages for over 30 years and I have NEVER had this issue before. Given this is the second year and I have significant and unnecessary investment in getting this resolved, I want legal remedies to get me out of this mortgage service provider as they are INCOMPETENT in meeting their federal responsibilities as an escrow company. 

The fact that I need to pay my homeowners insurance while PHH sits on my money from escrow and collects over 5 % interest and then tries to charge me for homeowners insurance from XXXX of their companies is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I sent Letters to XXXX, XXXXx, and Transunion. It is Now XX/XX/2020 and i still haven't gotten a response. I also sent a Failure to Comply letter as well and still no response
Product: Debt collection

They will not stop calling after telling them 3 times to stop. This time the lady XXXX got rude and began harassing me, saying " we do not even know who they are '' in a threatening tone.
Product: Credit reporting or other personal consumer reports

I'm a casualty of data fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my FICO ratings revealing appropriately, so any assist you with canning give me with refreshing this data straightaway would be extremely valuable. We are hoping to purchase a house. If it's not too much trouble, help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of of accounts below has violated my federally protected consumer rights to privacy and confidentiality undeXXXX 15 usc 1681 XXXX XXXX  DATE OPENED XXXX XXXX XXXX XXXXXXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX collection amount XXXX ADRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX AMOUNT {$640.00} ADRESS XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX OF XXXX DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( INQUIRY ) XXXX XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX ANOUNT {$270.00} Date ASSIGNED XX/XX/XXXX XXXX submit last updated XX/XX/XXXX CHARGE OFF BALANCE {$180.00} XXXX XXXX XXXX ACCOUNT BALANCE {$910.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX LAST UPDATED CHARGE OFF {$700.00} According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts 15 USC 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 XXXX years 15 USC 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: Debt collection

On XX/XX/2020 I received an email at XXXX and a text message at the same time regarding my account with lease it or keep it. I do not appreciate being called every hour while I am at work and now I am getting contacted at an unacceptable time of the night.
Product: Student loan

I called Navient asking about my loan being transferred to XXXX and an automatic payment that is scheduled on the transfer date. I was informed I had no payments due in XXXX. Today, XX/XX/XXXX, I received a billing statement from Navient with a bill for XXXX. I called and received a very argumentative representative who told me I do have a bill but nothing is automatically scheduled. I asked why since I have been on a payment plan and why I am paying over the bill amount. She told me my payment plan has ended and XXXX of my loans are in forbearance now. I never put my loans in forbearance because I have no forbearance available per Navient who continually put my in forbearance years ago. I also never received communications that my payment plan was ending. It had the plan listed as indefinitely previously and now says it ends on XX/XX/XXXX after the loan is transferred. She argued with me and the statement and said no it ended in XXXX. Navient has repeatedly messed up my accounts, given bad guidance, and failed to communicate. Now I doubt my correct loan amount will be transferred if they are still taking payments as they transfer. I was instructed to just pay late since I have a XXXX days grace period and pay XXXX instead. Why is nothing being communicated and why are my loans being placed in forbearance without my awareness. I had to transfer all my XXXX federal loans away from Navient due to their negligence. 

Additionally, the representative said XXXX of my accounts are in forbearance as of now for XXXX. That I was paying {$380.00} instead of the bill 's listed {$200.00} because I was paying interest only for all loans, but now XXXX are in forbearance. I am attaching documentation that says all of my loans are in repayment. Not forbearance. I also am attaching my statements since XXXX showing that every month the bill has only been {$200.00} yet I have been overpaying for " interest '' only {$380.00}, yet my balance has not been coming down even with overpayment. I am also in a XXXX repayment plan, not XXXX months that she mentioned. All the info she provided was incorrect and a lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted An investigation With Transunion XXXX And XXXX for the Account XXXX Credit Card with account XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX By XXXX XXXX XXXX the investigation was not even completed and the account is still on my credit it id a fraud account and should be removed inmediately. Please kindly assist with this matter. 

previously disputed I do not agree with findings and the time taken
Product: Credit card

I ask for a Business Credit Card 1 month ago, but the Bank pulled my Credit Report 3 times. 


I applied for a business credit card on XX/XX/2017. 

But I have 3 inquiries XXXX XX/XX/2017, XX/XX/2017 and XX/XX/2017 )
Product: Debt collection

Ive made multiple attempts to contact this company, which is ProCollect, to get this inaccurate issue resolved. I have been reaching out to them almost 2 years now. When I call, they will not allow me to speak to the person that has the account which is XXXX XXXX. When I did speak with XXXX XXXX 
XXXX, he was intimidating and verbally abusive to me when I tried to explain that the balance was incorrect. When I asked him to verify the debt, he refused to do so. He stated that he had already done so. And I need to just pay my bills. I explained to him once again that the balance was incorrect and I needed to resolve it quickly to acquire credit. I even offered to pay a portion of it so that it could be removed. 
I told him that the balance was incorrect and its keeping me and my children from getting housing. As a result, my children and I are unable to find adequate housing right before the holidays. We are being denied only because of this. 
I told him that I wanted to dispute this item and Only pay what I owed.He refused to do so. He has refused to properly acknowledge this account and he has blatantly ignored my requests and phone calls and emails. This incorrect account is causing me to not be able to acquire housing and is causing me XXXX XXXX XXXX. Please help me resolve this issue immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing violations. The listed rights below show the violations that were made against me. The first company that violated me was XXXX XXXX  and the 2nd company that violated my rights was XXXX  XXXX XXXX XXXX  XXXX XXXX, the following laws were violated by both companies : 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. 

XXXXXXXX XXXX account XXXX XXXXXXXX and XXXX  XXXX  XXXX 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 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: Student loan

Under the Higher Education Act of 1965 ( 20 U.S.C. 1070 et seq. ), I am entitled to full and accurate information and original documentation for anything you are trying to charge me with. Additionally, I am entitled to information regarding my loan balance, repayment options, interest rates, and any fees associated with XXXX XXXX XXXX, as well as access to my payment history and information about any potential deferment or forbearance options. Furthermore, I am entitled to all documents with my signature on them that I signed XXXX XXXX XXXX, which you are currently withholding from me. Please note that an XXXX spreadsheet does not constitute the conditions of a contract. 

The more I request and receive the same information from all entities, it seems that each one of you adds or modifies details in the documents you send. There are discrepancies compared to the original one I received in XXXX from XXXX. Everyone has conveniently added more information into the XXXX, and I do have the original encrypted message from XXXX that clearly shows this information wasn't there before. This is just a generic document, which is, number XXXX, not legible. According to contract law, the form must be legible. 

Moreover, the shutdown of Conduent due to poor loan servicing practices and my unsuccessful attempts to obtain documentation over the past five years only exacerbate my concerns regarding the validity of my loan. My records show no evidence of payments made from XXXX to XXXX, despite having utilized forbearances and deferments. 
To whom it may concern, I am writing to formally request the original documentation related to my loan, including all signed loan documents. It is imperative to note that I am not interested in a generic Master Promissory Note ( MPN ) or loan amount ; rather, I require the specific documents that bear my original signature. 

It has come to my attention that the documents you have previously provided do not reflect my consent and obligations accurately. Furthermore, despite my repeated requests, I have yet to receive a copy of the signature that appears on these forms. 

As per Colorado contract law, specifically referencing the statute signed by the Governor of Colorado, you are obligated to provide these materials within five days of my request. It is concerning that, as a financial institution tasked with the responsible handling of monetary transactions, you are unable to present the necessary documentation that underpins this loan agreement. 

I have 5 MPNs that are different from the last
Product: Money transfer, virtual currency, or money service

I had and account with Coinbase and I lost access to my e-mail address. I informed them I could not access my account and they gave me instructions as to how to recover the account. I have done everything they have asked me to do and I still do not have access. I have been sending e-mails for almost a year and still do not have access to my account.
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I obtained a copy of my credit report after seeing my credit score drop sharply. I found XXXX charges totaling over {$200.00} on a card that I never use and a past-due statement, which I never received. Called the bank and discovered the XXXX charges were both from out-of-state. The thief may have stolen unforwarded mail containing an updated credit card, as the bank did not have my current address on file ( even though I had left a forwarding address ).
Product: Credit reporting, credit repair services, or other personal consumer reports

sent police report files ftc Federal Trade Commission charges that it illegally assessed more than {$36.00} XXXX worth of fees against struggling homeowners, in violation of an earlier settlement with the FTC. 

XXXX XXXX : In the XXXX XXXX breach, XXXX XXXX people in the United States and XXXX XXXX in XXXX were affected. According to the bank, most of the stolen information came from the credit card applications of consumers and small businesses. ... XXXX XXXX has posted information about the .. 
The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in XXXX to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies.XXXX XXXXXXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC.

1.XXXX XXXX 2.XXXX XXXX
Product: Debt collection

I recently Filed a complaint # XXXX. I received a letter stating it was closed suggesting that someone filed it in my name which is not the case. I was the one who filed the case and I am filing another complaint as I am the person in the document. my name is XXXX XXXX XXXX XXXX, my email address is XXXX and my address is XXXX XXXX, XXXX MI XXXX. My Phone number is XXXX if you need to contact me. 

On or around XX/XX/2022, I received a notice of a lawsuit against me taped to my front door, from a foreign group of people, XXXX XXXX XXXX XXXX. Attorneys for LVNV Funding LLC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This was the first formal contact and I have no knowledge of this group, nor do I recall entering a contract with said group. They are requesting payment of an old debt that, to my knowledge, no longer exists. They claim I owe the original creditor ( XXXX XXXX XXXX  ) who, by lack of evidence shows no debt owed! All XXXX has is an old billing statement. Pursuant to [ XXXX XXXX. XXXX ] I will need the Plaintiff to Validate the debt. This includes but is not limited to, producing the original contract with XXXX XXXX XXXX containing my wet ink signature, that shows we have a legally binding agreement to do business, ( i.e. MHC Receivable 's through LVNV FUNDING LLC 's involvement in the ORIGINAL contract with XXXX XXXX XXXX  ), along with all the accounting associated with the alleged debt.
Product: Mortgage

On are about XX/XX/XXXX, I requested through my attorney to add Nationstar Mortgage to my bankruptcy chapter XXXX plan. It took Nationstar mortgage two more month to file a claim for the principal monthly amount. from XX/XX/XXXX to XX/XX/XXXX three different amount of arrear was file. One claim of {$340.00} in XX/XX/XXXX, was file and than in XX/XX/XXXX another claim in the amount of XXXX. Can you modify escrow and not principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts/items do not belong to me. Please delete immediately. 

XXXX XXXX- this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXX XXXX-this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXX this account is not mine. Action Requested : Please  Delete the entire account from my credit report. 

XXXX XXXXXXXX XXXX account is not mine. Action Requested : Please delete the entire account from my credit report. 

XXXX XXXX- this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXXXXXX XXXX : this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXX XXXX : this account is not mine. Action Requested : Please Delete the entire account from my credit report.
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$500.00} XXXX XXXX  XXXX Balance : {$1900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$6900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX XXXX : {$870.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I called XXXX XXXX XXXX to advise them that I am in the process of purchasing a home. They offered a settlement of {$2600.00} for all 7 accounts and will be reported as paid in full. I received the letter by email stating that I had until XX/XX/XXXX to make the payment. On XX/XX/XXXX I called and made the payment IN FULL of {$2600.00} with my XXXX XXXX XXXX card ending in XXXX. I was told that the accounts would be removed using their E-Oscar reporting software and the account would reflect on my credit report as paid in full and no longer in collections. I checked my report again and the accounts are still listed. I reached out to Experian, XXXX, and XXXX to advise them as well as sent documentation showing accounts listed and bank statements showing accounts were paid. The credit bureaus refused to update with the correct information and it's severely affecting my ability to purchase my home.
Product: Credit reporting or other personal consumer reports

I am a victim of the Equifax data breach, and several fraudulent accounts were opened or assigned in my name. These accounts include : XXXX XXXX XXXX - Account Ending in XXXX XXXX XXXX XXXX - Account Ending in XXXX XXXX XXXX XXXX - Account for an educational loan with XXXX  XXXX XXXX  ( balance of {$2800.00} ) I did not open or authorize these accounts. As a result, I disputed the accounts with Equifax and requested that they be deleted under 15 U.S. Code 1681c-2, which mandates the removal of accounts resulting from identity theft within 4 days. 

To date, no validation of the debts has been provided by the companies involved, including the required original purchase agreements as per 15 U.S. Code 1692g. These companies have failed to comply with the law, and I am seeking the immediate removal of these accounts from my credit report. 

The actions taken by me : I submitted a formal dispute with Equifax and requested the removal of these fraudulent accounts under 15 U.S. Code 1681c-2.
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. 

Account Name XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX