23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX ( RUSHMORE ) and their Trustee XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) have made repeated mistakes on my mortgage loan which it refuses to correct or investigate, issued The Reinstatement for amounts that more than what I own, eventually denied my loan modification application and continued foreclosure my property. The servicer continues to charge me late fees every month. XXXX XXXX XXXX  XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX / RUSHMORE and XXXX are not respond to the Requests for Information. I am being denied an opportunity to save my home and avoid foreclosure through the Loan Modification program.  RUSHMORE denied my loan modification is not based on my income or ability to pay with a balance that I do not agree with because it includes fees and charges I have tried to dispute and be faced with foreclosure against me and I may loss of my home. I 've been submited loan modification many times and RUSHMORE continued to denied it, am not able to compute mathematically, and whose balance includes fees and charges I am not being allowed to dispute or have explained to me by RUSHMORE and XXXX. XXXX XXXX XXXX  XXXX XXXX/RUSHMORE denied my loan modification is not based on my income or ability to pay and be faced with foreclosure judgment and I may loss of my home. Their Single point of Contact ( SPOC ) is not working or they have many 300 files  so they ca n't not have time to talk to customer nicely or respectfully for all the detail the borrower ask for. Today XXXX XXXX my SPOC told my representative XXXX that do not call him anymore and I am not a customer for service because I am in default, he complaint that my loan have late history, he can not keep talk to XXXX because he have to work on his other file. I request another SPOC because XXXX XXXX is so busy with his more than 300 files. On XX/XX/XXXX, we talk to XXXX XXXX, her extention is XXXX she told us that the Private investor is XXXX XXXX XXXX, XXXX from XX/XX/XXXX. but your respond XX/XX/XXXX you indicate XXXX XXXX XXXX XXXX XXXX is the current owner of the Note. I need to know how many investor, owner of the note?? XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX / Rushmore Loan Management Services , LLC can not continue give me the run around and continue lie to me. Take a look at all their fee and cost, the answer to all complaint just bla, bla, bla ... they do not answer direct questions, just throw all the number and want the borrower pay for their nonsense fee. Please breakdown for all your fee and cost, when you charge and why you charge, I need all invoices and bill and cancel checks you pay for these fee and cost. A lot of your nonsense fee need to void because you over charge and I do not have to pay for your attorney fee when I bring you to court or when I was in bankruptcy You violate the Senate Bill No. 900 in many ways. You charge a lot of fee and cost when I applied for the loan modification.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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, credit repair services, or other personal consumer reports

I successfully paid the {$8400.00} to my XXXX XXXX credit card in XX/XX/XXXX ( the payment confirmation from XXXX XXXX is attached ) but XXXX XXXX wrongly missed the payment ( the payment activities from XXXX XXXX are attached ) and intentionally ignored all my disputes with that missed payment, and then wrongly added delinquency to my credit report. 
After I disputed the wrongly added delinquency with TransUnion on XX/XX/XXXX, TransUnion failed to meet its reinvestigation obligations and, on XX/XX/XXXX, sent me the dispute result without correcting this wrongly added delinquency ( the dispute result is attached ).
Product: Debt collection

I never gave Portfolio Recovery Associates ( PRA ) my personal and private information. It is apparent that they purchased an alleged debt from XXXX XXXX ( based on the derogatory information listed on my credit report ). While XXXX is permitted to purchase debts from an alleged creditor, they are not permitted, without the permission of the consumer, to purchase the consumer 's personal information, including but not limited to, the consumer 's social security number and other personal and private information. Not only did PRA violate my right to privacy but they also violated 15 USC 1692d - Harassment or abuse. Additionally, being that I never had a contract with PRA and never gave them permission to communicate with me, they violated 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt There are several other violations that PRA is guilty of, including but not limited to 15 USC 1692f - A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section
Product: Credit reporting or other personal consumer reports

Please help and assist me with having the credit Bureau correct this inaccurate information, I sent this letter to them and they did not respond " Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : XXXX XXXX XXXX XX/XX/year> Your company is in violation of the FCRA and XXXX Compliance and reporting violation. 
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XX/XX/year> XXXX XX/XX/year> you reported transactions from XXXX to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports!

The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance!

Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. 
I need the transactions reported on XX/XX/year> & XX/XX/year> Deleted from my consumer reports effective immediately. 
Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. 
Further more 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

There is gross incompetence at Freedom Mortgage. My previous rental property loan was transferred from XXXX to Freedom for service. Freedom mixes up my mailing address with my rental property, putting the unit number for my rental unit ( XXXX ) to our mailing address. After calling Freedom repetitively, they still have trouble fixing this error. Then they sent a letter to me indicating that my home insurance did not have the right address. It did. And they make it very difficult to update information, insurance policy, correct errors either by phone or through their online system. This company is so incompetent and one wonders what other serious errors they have in their system.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent accounts that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent accounts remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind.I brought these fraudulent accounts to your attention because I was assured that an investigation would be conducted, and the accounts would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The accounts in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of these fraudulent accounts are not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 

XXXX XXXX XXXX XXXX and XXXX XXXX.
Product: Student loan

MyFedLoan 's site has been down for a week as of XX/XX/2019. I need to access my information in order to finish filing my taxes. I can not get customer service to respond. This is occurring with multiple people who can not access their accounts in order to obtain tax documents or to pay their loans. Both their main website and mobile app are not working. The website should not be down for " scheduled maintenance '' as it says for multiple days. I am unable to contact them through their webpage and have resorted to trying to contact customer service through social media.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is violating laws, I have submitted several complaints and disputes and I dont believe that theres been actual investigations on these accounts as they still reporting inaccurate and Equifax has failed to furnish any documentation that prove they are reported correctly. I have submitted factual data disputes with inaccurate balances, date last active, high credit, and etc. On XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX I was given results from Equifax stating the accounts in question are 100 % accurate which is false, as I have submitted my credit reports with the highlighted inaccurate and inconsistent information and they are still not removed. 

These inaccurate accounts are causing mental stress to my life, because Equifax keeps telling me that Im wrong when Im sending the bureau info taken directly from my credit report! This is what Equifax is reporting and Im pointing out the errors and inconsistencies, so how am I wrong when its what you are showing to me. These errors on are making it hard for me to obtain new credit and Equifax is reporting inaccurate accounts and keeping them on my account is violating the FCRA and FTC laws. I have attached my credit report with the highlighted inaccurate accounts with errors on my credit report. I demand these inaccurate accounts be Deleted Immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and/or XXXX XXXXXXXX XXXX did inquires on my XXXX credit profile which I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent out my a letter XX/XX/XXXX to XXXX, Transunion, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making sense. 


According to the law 15 U.S. 1681- Procedure in case of disputed accuracy. 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.
Product: Credit reporting or other personal consumer reports

I recently looked at my Experian Consumer Report on XX/XX/XXXX after waiting for a recent dispute to be updated. And notice that it had been updated and show as a Charged Off and Collection with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This account violates my rights and these laws to ensure the maximum possible accuracy according to XXXX XXXX XXXX XXXX, 15 USC 1681 ( e ) ( b ), i, ( 5 ) s-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice on my credit report that is nothing changed, no negatives and no collection but my scores went down in the month of XX/XX/XXXX. I did consolidate my student loans but my credit worthiness ( CREDITORS ) is the same on all three Federal Credit Bureaus. The total amount that is owed is the same ; but my SCORES went down from XX/XX/XXXX ( EX - XXXX XXXX - XXXX XXXX - XXXX ) XX/XX/XXXX ( EX - XXXX XXXX  - XXXX XXXX - XXXX ) XX/XX/XXXX ( EX - XXXX XXXX  - XXXX XXXX - XXXX  ). There should have not been any decrease in scores going downward if there were no negatives or collections, NO BAD REPORTING. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and UPDATED ON CREDIT REPORT. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. I HAVE SENT DISPUTE TO THE FEDERAL CREDIT BUREAU AND HAVE NOT RECEIVED ANY EXPLANATION OF THEIR ACTION.
Product: Mortgage

My property is already foreclosed back in XXXX. I couldn't make payments because my wife 's contract has been rescinded by XXXX XXXX XXXX XXXX. She manifested first symptoms of XXXX XXXX XXXX. She passed in XXXX. We lost the house. Nobody, including Wells Fargo, did anything to help us with this issue and all our economy crumbled with this disaster. I am now retired and living with SS prestations. 
My date of birth is XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality un 15 U.S.C. 1681. 

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. 1681 c ( a ) ( 5 ) Section states : no consumer reporting agency may make a 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 7 years. 

XXXX, XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX
Product: Debt collection

I have disputed my credit report with Equifax them statin I had no collections yet they are reporting collections on my credit report and have not removed them
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report lists an address that does not belong to me. I have lived at the same address for over 20 years. I have never had a post office box. The incorrect address is : XXXX XXXX XXXX, XXXX, NC XXXX. Please delete this post office box address so that it does not show up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX
Product: Debt collection

I filed a complaint against Portfolio Recovery on XX/XX/XXXX. So they called last night, at XXXX, from phone number XXXX. 

The prior complaint I filed about this company isXXXX. 

It seems that filing a complaint about a debt collector only increases the frequency of the calls. This was the second call in a week, an escalation on their part. 

If the CFPB is toothless, then quit wasting our time.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> they allowed my account to be breached and sent some 1 to use my checking account that was attached to them to send XXXX  transactions XXXX of {$2000.00} and XXXX of XXXX. I have talked to them just for it to get no where on many times. They refused to give the stolen money back as well as say I sent it bc they have a recipe. There is no IP adress on who sent it or nothing and they also banded my account after I report them here the first time due to there illegal activity also why there is a XXXX XXXX dollars class action lawsuit against them. But I want them to provide up address to who sent it and I want them to give my money back
Product: Credit reporting or other personal consumer reports

Inquiry on XXXX from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on XXXX from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on XXXX from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on experian from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on experian from XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on experian from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on XXXX from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on XXXX from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on XXXX from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on XXXX from XXXXXXXX XXXX  XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Product: Credit card

For the 4th time, I have called this bank today about a discrepancy in the sign-up bonus on a credit card. This stemmed from an error on their website where the promotional code for the bonus did n't seem to be included with the application. I immediately called them two weeks ago on XX/XX/2017 when I noticed the issue after completing the application. They told me they were taking notes on my account about the promotional code XXXX for XXXX miles and not to worry, that I should call back once the credit card is approved and they can add it ( the second time was when I got conditional approval but I was asked to call back again ). I called a third time when the card was actually approved and they asked for the code and said it was no problem to apply it to the card and that they would. Now, since I only received XXXX points and not the XXXX I was expecting, I called again and asked why there was the discrepancy and why the code was n't applied. The agent claimed there were no notes on the account about this but he had sent a request to his supervisor to apply the code and adjust for the the extra XXXX miles. I have no faith at this point they are doing what they claim and telling the truth where they actually attached the code to the account and will reward the proper amount of miles and feel I have no other option but resolution by this means. I have full records of all these calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why is this reported on my credit when the original creditor didnt verify the debt? How does that even make sense? Also, I never had a balance of the amount that is being reported on my credit report. I sent USCB Corp a letter in XXXX and they have yet to send anything regarding the collection they are reporting on my credit report. Also, I do not see that they are licensed to collect any debt. I am requesting that this inaccurate account is removed from my credit report immediately. Attached is the letter that was sent in XXXX which is dated and time stamped.