23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Time is of the essence in this case because the setting of Connecticut law days is imminent and the servicer -- aware that I'm an owner of the subject property -- is refusing to offer any review that might lead to a loan modification insisting it can't ascertain if I'm truly a successor-in-interest. [ The property devised to the heirs after the XXXX  of my mother XXXX XXXX in XXXX ]. 

Rushmore Loan Management will not allow the submission of a loan modification because it insists I'm not authorized as a successor-in-interest. I was, according to Rushmore single point-of-contact representatives, authorized for a time, but that authorization was withdrawn at about the time Rushmore -- through it's Attorney -- sought to establish law day in Connecticut Superior Court, whereby the ownership of the home would vest in the mortgagee. 

Rushmore 's Attorney XXXX, affiliated with XXXX XXXX XXXX, XXXX, CT, is aware that I am a successor-in-interest but has refused to pass that information along to Rushmore. I have been a successor-in-interest and Defendant in Court cases concerning this mortgage for several years, a fact well known to XXXX XXXX. 

Rushmore representatives in recent telephone conversations with me have explained alternately that more documents are necessary, and that the documents sent are in review, but that they can't speak with me except to say their decision on my successor-in-interest status is pending. [ Rushmore has copies of the deeds, a letter from the estate Executor, and a copy of my Connecticut driver 's license. Further, it has access to the XXXX file, in which my identity as owner of the subject property was long-ago established ]. 

I called Rushmore Friday XX/XX/XXXX and was told by loss mitigation representative, " XXXX, '' that she couldn't speak with me because I wasn't authorized but that she could give me the name of the Attorney handling the matter. After a brief pause, she told me that in fact she couldn't give me the name of the Attorney, nor could she inform me on the status of documents sent to Rushmore to substantiate that I'm an owner of the subject property because I'm unauthorized, but that I might perhaps be updated on the status of documents sent-in by emailing Rushmore. 

It should be noted that XXXX, an earlier servicer on this mortgage had acknowledged a complete loss mitigation application signed by myself and the other two owners in XX/XX/XXXX [ Exhibit A ], but that during the apparent review of that application, servicing changed from XXXX  to XXXX and ultimately to Rushmore, and the application was never acted upon. 

Neither Rushmore nor XXXX reviewed the application on file at XXXX. Both said by telephone that they'd be conducting a review of their own with a new moss mitigation application to submitted for their review. 

Rushmore, it would appear, is not interested in offering a loan modification, but is seeking -- through unclean hands -- the cash value of the home. 

[ Rushmore Loan # XXXX XXXX XXXX. Property address : XXXX XXXX XXXX, XXXX, CT XXXX ].
Product: Checking or savings account

My account had fraud detection Sunday XX/XX/XXXX and my account became locked. I've called everyday since then trying to resolve this matter and all I keep getting back is the account is being reviewed. I was initially told would take XXXX business days to get an update it has now been XXXX business days and nothing has been resolved. It's my main banking account with my funds all being in it. Causing me to be late on payments and not be able to pay for a roof over my head.
Product: Credit card

I signed up for a Discover credit card because of its cash back promotions, including 5 % " bonus '' spending categories and 5 % " Discover Deals. '' However, Discover has made it virtually impossible to verify that their cash back has been properly applied via unacceptably long delays in crediting the bonuses, inadequate and confusing documentation of the bonuses, and a chronic unwillingness to investigate my inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive Mailed in numerous dispute letters letting the Experian bureau know the inaccuracy of my report. They updated my account to verified status for these two collections accounts. I requested method of verification and they never sent me anything telling me how they verified XXXX XXXX Account number and XXXX XXXX Its been almost three months now and still no method of verification for these accounts.
Product: Debt collection

I have never received any letter from the debt card company, XXXX, ( which was sold & probably closed all accounts without previous notice ), my payments were on auto debt, and because they without notifying me closed my account they were not able to keep charging my account. Suddenly 2 years ago I find my account in collection with JH Portfolio Debt Equities, still thinking my auto pay was taking care of that, I contacted the company and no one was able to give me more information about that account since it was too new. I contacted them several times and only after disputing through XXXX that they found out that they were sending registered letters which were not being forwarded to my new and updated address through USPS. I still wanted to pay my balance in full but in the correct amount without late fees and penalties applied by XXXX with the condition of them fixing their mistake with all credit bureaus and taking my name out as default on payment reported, but they refused! My credit was hugely and negatively impacted by their silly mistakes committed both by original lender XXXX and new debt collector JH Portfolio. Every quarter I contact them, they still ca n't do anything about it, just told me on the phone that if I pay they wo n't change my credit report with bureaus and I refuse to pay in these terms. They need to fix their mistakes and not make hard working and honest people like me to look bad even when going to buy a car. Unbelievable!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX  credit card a few weeks ago and I was not approved instantly and today XX/XX/20 I got a letter stating that the reason I was not approved was because there were too many accounts in negative or derogatory standing on my credit report. I had no idea what accounts they were referring to because none of my accounts are in negative standing. I checked my credit report just to make sure it wasn't a mistake and I found about 8 accounts on my report that are not mine. I had no idea these accounts were even on my credit history and I don't know who they belong to. I did not allow anyone to open those accounts in my name nor did I benefit anything from them such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I do not have any relationship or affiliation to any of the companies I listed in this report and I have already filed a police report regarding these suspicious accounts.
Product: Student loan

Navient continues to not credit to my account the full amount that I send them every month. It is sometimes a few dollars off and sometimes a few hundred dollars off. I feel that this is either harassment or incompetence or downright sneaky fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed a lot of activity that was not authorized by me. I wanted to apply for a business loan and the lender brought so many things to my attention regarding my credit. that's when I noticed inquires from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX. All these hard inquires were not authorized by me.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 

Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$19000.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$1800.00} Reason : Account is fraudulent Account Name : XXXX XXXX ( XXXX XXXX Account Number : XXXX AMOUNT : {$110.00} Reason : Account is fraudulent Account Name : XXXX XXXX  XXXX ( XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$73.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$5000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$700.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX AMOUNT : {$720.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX AMOUNT : {$880.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX AMOUNT : {$420.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently looked at my Transunion Consumer Report on XX/XX/XXXX after waiting for a recent dispute to be updated. And notice that my credit score had dropped XXXX points, and these accounts have been removed from XXXX already and not are appearing on my Transunion Consumer Report, it had been updated and show as a Charged Off and Collection with These Accounts a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts violate my rights under 15 USC 1681 ( e ) remove! This account violates my rights and these laws to ensure the maximum possible accuracy according to XXXX vs. Transunion 1997, 15 USC 1681 ( e ) ( b ), i, ( 5 ) s-2.
Product: Money transfer, virtual currency, or money service

PAYPAL, XXXX XXXX I STILL HAVING PROBLEM FOR WITDRAW MY MONEY. 
WHEN I CALLE FOR GET HELP, NOBODY WANT HELP ME, NOBODY KNOW HOW TO HELP ME. 

I DONT UNDERSTAND WHY MADE THIS SITUATION DIFICULT TO GET THE MONEY OUT. 

JUST MADE THE WITHDRAW TO MY DEBIT CARD END XXXX. 

PLEASE.
Product: Money transfer, virtual currency, or money service

The Citi Bank Sears issued Credit card site continually has crashed over the past several months I've been a customer. Never seen a bank/credit company with the worst sign in access ever of their website. Starting to feel its a scam to acquire late fees because of frustration
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 under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account XXXX : DEPT OF ED/XXXX XXXX XXXX, XX/XX/XXXX Account name : DEPT OF ED/XXXX XXXX XXXXXXXX, XX/XX/XXXX Account name : DEPT OF ED/XXXX XXXX XXXXXXXX, XX/XX/XXXX Account name : DEPT OF ED/XXXX XXXX XXXXXXXX, XX/XX/XXXX Account name : DEPT OF EDXXXX XXXX XXXXXXXX, XX/XX/XXXX Account name : DEPT OF EDXXXX XXXX XXXXXXXX, XX/XX/XXXX Account name : DEPT OF EDXXXX XXXX XXXXXXXX, XX/XX/XXXX Account name : DEPT OF EDXXXX XXXX XXXXXXXX, XX/XX/XXXX Personal information incorrect XXXX XXXX XXXX ALSO KNOWN AS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Correct Name : XXXX XXXX XXXX XXXX Incorrect Address information 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXXXXXX XX/XX/2023 {$2200.00}
Product: Credit reporting or other personal consumer reports

They have marked me for late payments that are not true. The times that were marked late, I made payments for which they were having trouble processing my card but my card always had money. It was in their part and I spoke to representatives on the phone multiple times about this issue.
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 how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was paid in a settlement back in XXXX. The agreed upon amount was XXXX, which were to be made in 4 payments, which they were, would in fact settle this account. I noticed on my credit report that in the fact the opposite was reported. The account is being reported as a balance of XXXX still being owed which shot my utilization through the roof and lowered my score 76 points!!! 76 points!! I am in the process of closing on my home and this has not barred me from doing so!
Product: Debt collection

XX/XX/20 sent certified letter XXXX to Caine and Weiner requesting deletion for the account they are reporting with XXXX. I have never received any documentation to support that any such debt is owed. Additionally, this account reflects that it is over the 7 year statute reporting period and can no longer be legally reported. 
it is unknown if Caine & Weiner even had the legal authority of such alleged account. furthermore I currently have insurance with XXXX so no old debt would be outstanding.
Product: Debt collection

XXXX XXXX  is trying to collect debt that has already been paid. They are seeking {$220.00} from a South Carolina Emergency Room visit in XX/XX/XXXX. The debt was paid in full to XXXX XXXX XXXX XXXX via credit card on XX/XX/XXXX of which I have a credit card statement as proof. XXXX  XXXX reported this as NEW derogatory debt on XX/XX/XXXX and it is negatively effecting my otherwise stellar credit score via XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, EXPERIAN used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. EXPERIAN reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Product: Credit reporting or other personal consumer reports

This complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that, TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint.

As an active member of the military, it is critical that these fraudulent inquiries, which are the result of identity theft, be removed and blocked from my report immediately.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally dispute a debt reported by IC System, which reflects an open balance of {$270.00}. I have no knowledge of this company, nor have I incurred any debt with them. 
To the best of my knowledge : 1. I have not incurred any debt with IC System.

2. I have not been contacted or provided with detailed information about this alleged debt, including the original creditor, amount, or relevant dates.

3. I believe this claim may be an error or a case of mistaken identity.

I kindly request the CFPBs assistance in investigating this matter. Specifically, I ask that IC System provide : Verification of the debt, including supporting documentation. 
The name and contact information of the original creditor. 
The date the debt was incurred, along with any other relevant details. 

If IC System can not provide substantiation for this alleged debt, I respectfully request that it be removed from my records immediately. 

Thank you for your attention to this matter. Please let me know if additional information is needed. 

Sincerely, XXXX XXXX
Product: Debt collection

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau XXXX CFPB XXXX as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX and XXXX  XXXX  within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Product: Debt collection

During the year of XXXX I took out a Payday Loan of XXXX dollars at the store location : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX which is no longer open for business now! It is closed down! I paid this company XXXX dollars back but was unable to pay the interest amount to them due to the Pandemic. I was told since I default on my payment plan I XXXX to start over and pay XXXX dollars to them. After talking to Check N Go on yesterday, I was told my account was sold to a XXXX XXXX called : XXXX XXXX XXXX located : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. XXXX have harassed me with phone calls threatening to have me served at home or my work with papers. Even after me telling this company I just had XXXX XXXX and other illness they continue to harass and threaten me. The lady told me she didnt care. 
Please.help me to solve this problem! 
Thanks! 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft I demand trans union to remove these unauthorized inquiries and all negative items on my credit report. 
Inquiries list below XXXX XXXX XX/XX/XXXX. XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. 
These negative unauthorized items below need to be remove of my trans union credit report. 
XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX