23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This letter serves as a formal complaint against Rushmore Servicing for the following : 1. Failing to provide a written status of my loss mitigation application.

2. Failing to provide an approved modification, although I complied with requirements.

3. Reporting delinquency without my knowledge of loss mitigation status. 
XXXX. Failing to provide XXXX XXXX although they are Rushmore Loan Management Services under a new name. 

In XX/XX/XXXX my mortgage payments increased approximately 40 %. Payments increased from {$380.00} to {$560.00} due to an alleged escrow shortage of approximately {$2800.00} referred from the previous Servicer, Rushmore Loan Management Services. This increase was the beginning of my hardship. In or around XX/XX/XXXX I applied for loss mitigation assistance which has taken approximately 4 months. I have been channeling and retaining all requested documents faxed to the Servicer and corresponding with various Rushmore Servicing Representatives ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ) as to the status of my application. 

In or around XX/XX/XXXX after not receiving any written outcome to my loss mitigation application, I contacted Rushmore Loan Servicing, XXXX who stated my modification application was denied due to the bank statement not being highlighted for the {$500.00} rental income. I explained to XXXX that I highlighted the {$500.00} income which corresponded to the lease agreement. In turn, XXXX accelerated my concerns in which he too had agreed I complied with the requirements. I waited for approximately XXXX minutes while XXXX tried contacting the department, but was unsuccessful. XXXX advised he was going to have my loss mitigation contact XXXX call me and to this date I have not received any correspondence. 

I have continued to pay the XXXX the initial {$380.00} payments in which I can afford and seek to have the XXXX provide a written response as to the status of my application. In addition, on XX/XX/XXXX the XXXX reported late payments to the XXXX credit bureaus although I have been in the process of applying for loss mitigation assistance and unaware my application was denied for a reason in which I had already complied with the XXXX. 

Lastly, I have not received my XXXX XXXX from the Servicer although according to research they are Rushmore Loan Management Services practicing loan servicing under Rushmore Loan Servicing. 


Moving forward, I am seeking a fair opportunity to apply for loss mitigation assistance, a written response as to the status of my application, written reason for the denial if so, and for the XXXX to redact their reporting of delinquency while I still remain in the loss mitigation process. Subsequently, I am seeking a copy of my XXXX XXXX required to file tax returns. I do not wish for the XXXX to respond with unnecessary documents I already retain for my records, payment history, etc.
Product: Debt or credit management

I signed up with Lexington law firm f Ill r XXXX XXXXit was supposed to be free for the first 30 days however it was not free I paid a XXXX up front fee, a monthly fee of XXXX to XXXX when I called to inquire about the first 39 days free she said they bill a month in advance which I never received a monthly statement except for the bank statements l then called to ask for my original contracts to be sent which I never received I was told I received it via e mail which I in fact had not received it ever! My credit was never fixed as promised accounts went to collections I never received correspondence from my credit card companies or Lexington law firm about my credit repair also I was working out a pay off plain and doing most all the leg work. Know this takes time so I paid Lexington law firm from XXXX to late XXXX I just feel mislead by the whole marketing scam they pulled once I heard we could get a refund I immediately reached out to you guys my address has changed. My old address is XXXX XXXX XXXX XXXX TX XXXX old phone number is XXXX my new address is XXXX XXXX XXXX XXXX tx XXXX new number is XXXX new email is XXXX old email is XXXX. Is it too late for me to get a refund from Lexington law firm?
Product: Credit card

I signed up for a credit card with usaa. They offered me a secured account of XXXX. On XXXX XXXX XXXX I deposited XXXX and they said after 2 yrs, I would go from secured card to a secured platinum master card account. On XXXX XXXX, XXXX I made a XXXX purchase and on XXXX XXXX they withdrew XXXX annual fee. On XXXX XXXX XXXX I paid XXXX securing my balance back to XXXX. Between XXXX XXXX to XXXX, I questioned a few times why I had problems using my card, and no reflection of my XXXX deposit. Each time I was told my payments were not due until XXXX XXXX, and the XXXX was posting on the XXXX XXXX, XXXX. 
On the XXXX XXXX and XXXX, I made purchases totaling XXXX and expecting to pay them in XXXX XXXX. On XXXX, I looked at my account and FULL PAYMENT was due in 2 DAYS and they changed my account to the platinum master card, only I had to USE it like a DEBIT CARD, which I already have. This not what I signed up for and asked to return or prorate my XXXX which they refused. I closed the account, and would like my XXXX thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$820.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$7200.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX XXXX : {$670.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX - ) XXXX Balance : {$530.00} ; XXXX, XXXX & XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$7500.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX XXXX  Inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX, XXXX XXXX  XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
This item is not correct and is causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit card or prepaid card

I received gift cards for my XXXX children for {$100.00} each. ( XXXX cards ) As I tried to activate the card it stated that there was no funds in the cards. I called the consumer services at XXXX And they stated that there was fraud and that they will go ahead and issue me a new card. On XX/XX/22 I received new card and activated both cards again for {$100.00} each and set up a pin per institutions. 
I went to XXXX in XXXX, Ca and tried using the cards and is was invalid again. 
I called customer service again and they said that due to fraud card was disabled. These people are frauds and they shouldnt be allowed to sell cards. I asked their company name they wouldnt provide it. The gentleman stated that they are unable to provide that information. He stated he will reload and that I should be able to use the cards in 1 hour. No consumer should go to the extend of frustration to use a card that was a gift and unable to use it for months now. This was a XXXX gift for my kids. They are purposely not allowing consumers to use the cards and that they get frustrated and throw the cards away and they keep the money. There shouldve be able to sell! They are fraud!!! 
XXXX info : XXXX XXXX My name is XXXX XXXX XXXX : XXXX Phone : XXXX
Product: Debt collection

I called the number they gave me, Johnson mark LLC attorneys at law ... they said there is nothing I can do about it. I looked at my credit report only had XXXX credit cards. They have taken now over XXXX, and the state of Oregon is allowing them to take 75 % of my check. XXXX. {$1600.00}, XXXX. {$3600.00}, XXXX. XXXX XXXX. {$2400.00}, XXXX. {$2700.00} XXXX. {$770.00} XXXX. {$3600.00} XXXX. Another {$2400.00}... when I moved to Oregon I only had XXXX credit cards, XXXX XXXXXXXX XXXX... XXXX for XXXX, and XXXX. And a XXXX card, XXXX... I had to use them until I got a job, then started to pay them back, then lost my job, then 3 months later got a job, then the suing began. Please help, I put a freeze on my reports. I called and talked with XXXX, and he said I had to pay the debt anyway. He was rude, and said I owed the money. Now I no longer get served Oregon ( XXXX XXXX ) just puts them through with no problem. They won't allow me to dispute.
Product: Bank account or service

About 3 weeks ago i posted an art piece i painted on the app offer up. I was asking {$350.00}. I received a message from a buyer saying they wanted to buy the item. We then started emailing back and forth. Via XXXX he sent me a check for the amount of {$1500.00}. Clearly i though it was a mistake but no, the buyer instructed me to deduct XXXX for my cost + XXXX for running around for this transaction XXXX for holding the item. i then went to my bank to deposit the check via drive through bank teller. {$300.00} was available right away so i waited for the following day for the full amount of the check to post. When the next day came i seen that i had the full amount of the check available in my account, i believed that meant the check had cleared ... this is where i be leave I 'm not fully responsible for my bank to charge me. The buyer instructed me to send via XXXX a money transfer to the mover who was to pick up the item. So i went to XXXX and did so using my debit card i made a transfer of {$1000.00} ... i thought this guy must be way out of state. I do have receipts and all documentation of this transaction. So i thought all was well, i waited for the movers to come for the item but they never did.., the buyer then contacted me saying the movers wanted more money to pick up the item because of other pickups they had already done for him so he said he will send me another check and to do the same thing. I then became suspicious ... the following morning i seen i had a negative balance on my bank account. Of over XXXX dollars ... this is when my walls caved in ... i could n't believe it ... the bank told me it was a fraudulent check ... right away i went to my local bank to explain the situation but they said it was my fault and I 'm responsible for that charge ... there was nothing they can do ... i do n't have XXXX dollars lying around ... ... i do n't understand how i was able to make a XXXX dollar transfer using my debit card if the bank had not yet cleared the check ... or why would the full amount of the check show posted on my available balance if it really was n't ... of course at this point the buyer stopped responding to me ... but he still had the audacity to send me XXXX more checks ... i feel the bank is at least XXXX percent at fault ... The only reason why i made the transfer was because i saw the full amount of the check available the day after i deposited ... to me that meant the check was cleared and that 's why i was able to make the money transfer. So now my bank is charging me the full amount ... looking back i wish i would have not given any type of trust to this buyer, i was just so happy i had sold my first art piece. I want to get this resolve and i am working with my bank on a payment plan to resolve this issue. I still think it 's unfair and would like the bank to take some kind of consideration that i was a victim of a mess up scam and not treat me like if I 'm a criminal ...
Product: Mortgage

I am writing complaint to request in hopes to reverse the payment restriction placed on my account, as it has created significant challenges in staying current with my mortgage. Over the past few months, I faced financial hardship, which caused some payments to be returned due to other unexpected transactions withdrawing from my account. Despite these challenges, I ensured that my mortgage was paid within the month and covered all associated return fees. However, the current restriction prevents me from making online payments, the only viable option for my family. This has now put me over 30 days behind, which could severely impact my credit and risk foreclosure. Unfortunately, I do not have access to transportation to make in-person payments, nor do I receive checks from my bank, making online payment access critical. 

I have submitted letters and messages explaining my situation, but I have been told the restriction will remain in place for 12 months. This has placed me in an impossible situation, as I am willing and able to make payments but can not do so through the available channels. I am respectfully asking for grace and assistance during this difficult time. Hardships happen, and Ive made every effort to address returned payments responsibly. I believe it is unfair to restrict the only payment method I can use, especially when I have paid the return fees and demonstrated my commitment to fulfilling my obligations. I kindly ask that this restriction be lifted to allow me to continue paying my mortgage and avoid further financial harm.
Product: Debt collection

Im finding it difficult to believe that after paying what this company was asking for. They're continuing to display this account on multi reporting services. While talking a representative I inquired about the removal of this from my account because of its effects on my score. The accounts impact on my score is still seeing the impact when its been over half a month now.
Product: Debt collection

I dont recognize this account Im a victim of XXXX  XXXX  and breach of information
Product: Debt collection

RECEIVED MULTIPLE LETTERS FOR ALLEGED DEBT. MULTIPLE TIMES, I SENT LETTERS REQUIRING THE THE DEBT TO BE VERIFIED. TO DATE, OVER 90 DAYS REFUSED TO DO SO. HAS SINCE REPORTED THE DEBT TO CREDIT BUREAU 3XS. i WANT IT DELETED.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Social Security Number : XXXX, Date of Birth : XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of accounts opened at Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have XXXXesulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of fraud and identity theft and fraud
Product: Credit reporting or other personal consumer reports

I paid off a personal loan with Marcus Goldman Sachs on XX/XX/2023. My balance is now XXXX. I went on line and found out that Goldman Sachs had sold my paid personal loan to XXXX XXXX XXXX ( SST ) XXXX. I called XXXX and a representative of the company XXXX XXXX told me that the reason this paid loan was not reported to the CREDIT BUREAU was because they do not have all the files from Marcus Goldman Sachs to file this and report it paid to the credit bureau. XXXX said it could be weeks/months or longer until they can report this loan paid. 
It is very unfair to a consumer who worked hard to pay off this loan and wants its reported to the credit bureaus so my credit score will reflect this payment. I took out this loan in good faith and lived up to my responsibility and now within a reasonable amount of time want this to be reported to the credit bureaus. 
I spoke with a a representative from the FEDERAL RESERVE CONSUMER HELP LINE and he told me to file a complaint with your agency. The representatives name was XXXX. 
XXXX I would appreciate assistance with getting my paid personal loan reported to the credit Bureaus Thank you for your consideration
Product: Credit card

They told me they would remove the XXXX XXXX prices from my order since I didnt receive it I called and talked to a woman who said she would remove it and didnt it shows she gave a partial credit of XXXXXXXX XXXX instead of the XXXX
Product: Debt collection

Ally financial has repeatedly contacted my cell number even tthough I contacted them and demanded they stop calling, they continue to call my cell number. 
Each time I called to demand they stop calling I was rudely treated being laughed at and hung up on.
Product: Checking or savings account

Bank of America is charging me overdraft fees, declining to cease, and not allowing me to close my services with them. At the beginning of 2020, I called Bank of America to request that all charges which would overdraft my account be blocked entirely to result in no charges. Bank of America has negated my request and continued to charge me checking account overdraft fees throughout 2020 to present-day, which have resulting in the overdrawing of my account. They are now refusing to close my account and refusing to block any incoming payments, unless I pay the overdrafted amount, which comprises solely of the fees that they were explicitly requested to cease in the first place. I have called them several times, and they are declining entirely to refund their fees and close the account, which will result in additional fees, which I will not pay. They have stolen the entirety of my recent {$1200.00} Covid stimulus check that is required for food and shelter for me and my child.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I reviewed my credit report and discovered a collection entry from XXXX Guaranteed Rate for a personal loan allegedly opened in XX/XX/XXXX for {$33000.00}. I dispute this claim, as I did not authorize or apply for such a loan. 

After encountering significant difficulty, I contacted Guaranteed Rate, Inc. 's mortgage division, suspecting a possible connection to my closed mortgage loan, which was finalized around XX/XX/XXXX. A representative from the mortgage division informed me that Guaranteed Rate , Inc. has a personal loan division. During our conversation, she mentioned instances where employees with access to customer data have allegedly misused mortgage information to improperly create personal loans without proper authorization or consent. 

The representative provided an email address to file a complaint and additional contact information to escalate the matter. I promptly submitted a request for an investigation and sought clarity on the apparent repurposing of my mortgage data to create a personal loan. 

Despite these efforts, I faced substantial challenges in obtaining a clear process for disputing this matter with Guaranteed Rates personal loan division. I used their XXXX platform to request an investigation and the removal of this unauthorized entry from my credit report. While I received an acknowledgment of my request, I was never informed about the status or results of the investigation. 

This lack of transparency and failure to address the issue has caused undue stress and financial harm. I am seeking CFPBs assistance to ensure a thorough investigation, removal of this inaccurate entry from my credit report, and assurance that Guaranteed Rate , Inc. has appropriate internal controls to prevent misuse of customer data.
Product: Debt collection

XX/XX/2020 - XXXX XXXX XXXX calls and the phone Identified them as " XXXX  XXXX XXXX '' the call was from XXXX. An automated message stated that I have a debt to pay and to call back immediately. They gave me a number to reference XXXX. 

I called and asked for who the collector is etc. The acct. ends in XXXX, original debt is from XXXX XXXX for {$700.00} ; they also gave me an address for a home that I haven't lived in for over a decade. I asked for their address so I can send a validation letter, and I was hung up on. I called back, spoke with XXXX, and told them that I am a victim of ID theft, and I want their address. They put me on hold then said they could email me and asked for my email. I said no, I want their address for validation. I said I would be contacting the FTC, Consumer Affairs, XXXX, and others, and I am taping this, so I want their address. I was going to ask for also a written notice of validation by mail, but I never had the chance. XXXX said that they could not be taped and hung up on me. I cant send anything to a company without a valid address for validation. I cant even find an address online. 

I have had one credit card in my whole life, and it had been canceled over a decade ago. I do not have debt with this company or XXXX XXXX. I am a victim of ID theft. 
XXXX next send a certified letter to XXXX  XXXX since I have an address for them due to past ID theft and I after filling out a FTC ID theft but I have no information on XXXX XXXX XXXX or even if the debt is valid. I would like XXXX XXXX to stop opening up invalid accounts under my name or my husbands name. I currently have a fraud alert active with the 3 main credit companies. I also am opening up an account for XXXX XXXX ( this week ) to fix the XXXX  Fax Data Breach issues my spouse and I have been battling.