23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My property was a victim of extreme flooding during Hurricane Harvey in XXXX. After spending weeks going through flood claims with the NFIP / FEMA and my mortgage company, Rushmore Loan Management Services, I finally received a check from the NFIP that was endorsed to both Rushmore and myself. After endorsing the settlement check and sending it in, Rushmore took 3 weeks to put my funds into a special escrow account. The ability to receive funds is dictated by the terms of Rushmore and their Loss Draft Department guidelines, none of which are favorable to the homeowner. The settlement was above the {$40000.00} threshold which Rushmore instructed had " special '' procedures. 

The process of getting funding from Rushmore has been nothing short of impossible. First, Rushmore mandates a contractor must be hired, costing the end consumer potentially thousands more and lots of headaches. Upon finding and selecting a contractor, Rushmore puts the contractor on all checks payable until the release of lien is received. This has become a problem because my contractor has been scamming me as a homeowner. Upon the contractor electing to walk away, I am required to pay his amount stipulated in exchange for a release of lien. Rushmore will not send any further money from my insurance settlement until the first release of lien is received, even if the consumer / homeowner is forced to be out thousands extra to avoid going to court with the scam XXXXtractor.

Rushmore is prohibiting the homeowner from getting the necessary work done with the funds received from the insurance the homeowner paid. The rigid processes that Rushmore has put in place has put a financial strain on me as a consumer and I 'm sure thousands of others like me. Their Loss Draft Department consistently provides inconsistent information and is never prompt in their responses. Paperwork takes week to be processed and receiving any funding takes even longer. 

Rushmore has put me in a major bind between losing thousands with a fraudulent contractor to simply gain access to the remainder of my funds in a timely manner or spend years fighting the fraudulent contractor in court, prohibiting me from getting the necessary funding to complete the rebuild of my home. This is a major strain on the homeowner / consumer and forces me to have to choose between the lesser of negative outcomes even if it costs me funding for no reason other than Rushmore 's loss draft processes. 

Rushmore protects the contractors before their own clients. There is no protection or benefit for the customer. 

I am in completely good standing with Rushmore and have never missed or been late on a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled a debt with XXXX for a car loan on a close account from 2015. I called from a XXXX and on a recorded line XXXX representatives states that my settlement of {$1500.00} would remove this from my account. After filing a dispute with XXXX the results came back as if I never settled with Santandar and the results said Santadar said everything was accurate. This is Fraud as the FCA confirms my rights ; I have a receipt of the transaction, and a recording of the settlement. This is now XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX ( account number XXXX ).
Product: Debt collection

NOTICE OF ARBITRATION There are some errors on my credit report after I've studied it thoroughly ; I've asked for those errors to be looked into ( CFPB XXXX ). Inconsistency can be found in the payment history for XXXX, XXXX, and XXXX, yet you finished the investigation by saying the account was validated. I've now suffered money loss, mental anguish, and shame as a result of this. 

In addition to that, I also reviewed the contract, and the financial change does not reflect as the sum of all charges, the insurance premium was not included in the finance charge, thus in violation of 15 USC 1605 ( c ). Since I am unable to pay the arbitration fee, I have decided to initiate arbitration with the XXXX and, in accordance with the XXXX arbitration agreement, I am asking Exeter Finance LLC to advance the arbitration costs on my behalf. If it is feasible, I would prefer to resolve this issue without going through arbitration, but only if the account is recorded as fully paid and I receive restitution of {$5000.00} to cover the actual harm that the inaccurate and incomplete reporting caused me over the course of a few months. I want to give you 14 days to fix this problem. 

Upon receipt of this initial communication, I will keep note of all correspondence, or lack thereof, made by mail, telecommunication, and otherwise method of communication. This communication requires a response within the allotted threshold.
Product: Checking or savings account

On XX/XX/24 a replacement debit card was used without my authorization to make 4 different fraudulent atm withdrawals.

The 4 different amounts were XXXX XXXX XXXX XXXX I made 2 separate claims now with chase and both have been denied, on XX/XX/24 I received a phishing phone call ( it was masked to look like chase bank was calling me ), the person on the phone acted like a chase employee and asked me about some fake fraudulent charges in order to get my information. Somehow they were able to get a replacement debit card shipped to an address which wasn't mine and since they had my information they had my pin number as well. I never received any notifications about a replacement card being shipped out, I also never received a temporary credit from chase which they state happens within 4 days of filing the claim. This never happened with either claim I filed.

The reference numbers for the claims are as follows, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States XXXX Law ( TILA XXXX XXXXXXXX XXXX XXXXXXXX ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, and XXXX ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section XXXXXXXX XXXX  XXXX. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA XXXX XXXX - Civil Liability for Willful Noncompliance FCRA Section XXXX ( XXXX ) ( XXXX ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA XXXX XXXX ( a ) ( XXXX ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C XXXX ( g ) ( XXXX ) ( A ) XXXX XXXX I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

Coinbase restricted my buying. They did not offer any reason behind this action and have not responded to my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was exposed in the Equifax, XXXX XXXX and XXXX data breach. And on XX/XX/22 a XXXX credit account with a limit of {$500.00} from XXXX XXXX, XXXX was open without my permission and reported on my Equifax and XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 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 card or prepaid card

I was contacted by a representative representing Nordstrom Card Services back in XX/XX/2018. After advising her of my hardship, she recommended that I enroll in their re-aging program which allowed me to pay 3 monthly payments and then once competed successfully the account would be re-aged and brought back to good standing. I completed the program in XX/XX/XXXX. The account has yet to be re-aged and is still reporting negatively to the credit bureaus. Ive reached out at least 4 times to have this resolved. Spoke to someone twice who stated they would send the account back to a supervisor to have it re-aged. They advised it would take two weeks. Its been 30+ days and it is still in the same status. Ive attempted to call back again ; however, I am only allowed to leave a voicemail for a company called XXXX XXXX. Both representatives initially advised me to enroll in the program again as if I had never enrolled previously.
Product: Debt collection

Wakefield and associates is sending me letters saying I owe {$1400.00} and that a 6 % increase will be applied. This is absurd, I don't know who they are except it says a debt collector. I have placed a fraud alert on all 3 credit reports.
Product: Debt collection

National Credit Systems put a file on my husband and my credit report. When I called several years ago when it first appeared the amount the were trying to collect was over XXXX. We knew we did not and had never owed that amount. The issue is we moved and had to break a lease. The owner of property had property management company take us to court for judgement on what was owed. They were awarded around XXXX from the court. Nothing more was to be owed. We began paying the property management company and have a ledger with their letterhead to prove that. I am not sure how or when National Credit Systems became involved but I did receive a letter and called them. When I attempted to give the facts they were hostile, rude, cussing me out and yelling. National Credit Systems has over the past few years changed the DATE on the account, the NAME on the account and the amount owed. We have gotten all credit bureaus to take it off when we send documents to them, but 3 or 4 wks later they put it back on with information changed and we start all over again. As the amount they now show is XXXX it is deeply hurting our credit. There is a judgement for the correct amount and per that court that is ALL WE OWE. THey have been told that and send that information on the judgement. If you look up this National Credit Systems online you will see all the shady things they do by reading reviews. We would like this taken off our credit and something done to this fraudulent company so they no longer bother us. I do not believe it is legal to CHANGE DATE, NAME and AMOUNT to keep sneaking it back on to our credit. We have called them as well and again get cussed at, threatened and they do not see that they are doing anything. Their attitude on phone is we can do what we want. 

This is not ok- to put false information on someones credit and then try to bully them into paying. How many people have they scammed that did not know to fight back? Please help. I have documents I can send that show judgement, ledger of payments and all the times they CHANGED the info to get it back on our reports. 

National Credit Systems is a fraudulent company scamming people and should be stopped.
Product: Mortgage

During the past year, I suffered illness, a XXXX, and XXXX, therefore, I was unable to respond to Bank of America, XXXX XXXX XXXX and XXXX and XXXX their attorneys. 
From years XXXX to XXXX, we have filed numerous notice of errors, qualified written request and complaints to Bank of America and XXXX XXXX XXXX, regarding the error made when posting the taxes and insurance on XXXX XXXX, XXXX, the amounts posted in connection with the implementation of the Loan Modification Agreement on XXXX XXXX, XXXX. Both Bank of America and XXXX XXXX XXXX have neglected to correct the escrow errors. The most recent complaint was filed with Consumer Financial Protection Bureau. 
On XXXX XXXX, XXXX, Bank of America posted {$7000.00} instead of {$8900.00} listed in the XXXX XXXX, XXXX, letter and the Loan Modification Clarity Commitment. ( XXXX of Transaction History faxed from Bank of America ) ( See Exhibit B, Loan Modification Clarity Statement dated, XXXX XXXX, XXXX ) ( See Exhibit C, Response from Blank and XXXX for Bank of America and XXXX XXXX XXXX dated, XXXX XXXX. XXXX ). 
My most recent response via the Consumer Financial Protection Bureau, dated XXXX XXXX, XXXX, from Bank of America 's Attorneys XXXX stated on Page XXXX, paragraphs XXXX and XXXX state the following : " Regarding your claims related to escrow account error and misapplied payments please be advised Bank of America is unable to investigate the majority of these claims, as the exhibits were not provided with the letter ... .Further, the majority of these claims are vague, conclusory, and unsupported. '' " The letter claims that a letter dated XXXX XXXX, XXXX, was received regarding the payment of taxes and insurance in the amount of {$8900.00}. Please be advised Bank of America is unable to locate such correspondence, and the Payment History does not reflect such payment ''
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX I took a loan out for approximately {$800.00}. To repay the loan I arranged to have payments of {$100.00} a month automatically deducted from my checking account. After some months had passed two payments did not clear. I then began being charged {$240.00} a month. The last payment taken out was in XX/XX/XXXX My checking account was then closed. On XX/XX/XXXX I received a notice from Oliphant Financial , LLC that the current balance due was {$3600.00}. I called the collection agent and told them that I have unemployed and living on minimal medical/general assistance since XXXX of XXXX. They offered my a payment arrangement of {$25.00} a month which would amount to one quarter of my entire monthly income. I replied that I would unable to pay that amount and would be seeking help moving forward with a resolution.
Product: Credit reporting

Approximately two weeks ago, I filed an online dispute with TransUnion about an account that had been paid in XXXX XXXX, but was showing as unpaid collections in my TransUnion credit report as recently as XXXX XXXX. I contacted the creditor to confirm my records and they informed me that the account had indeed been paid in XXXX of XXXX and that the account had a {$0.00} balance. The creditor informed me they would contact the credit agencies to have the item removed. Last week I received confirmation from TransUnion that my dispute had been completed and the item was removed from my TransUnion credit report. While that was the outcome I wanted, TransUnion consequently LOWERED my score by XXXX points, while my scores with XXXX and XXXX were simultaneously INCREASED by XXXX points and XXXX points, respectively. I contacted TransUnion by phone and was provided no satisfactory answer as to why upon completing my dispute with them ( where a negative item that had been shown in collections had been removed ) they lowered my score even as the other XXXX agencies increased them. TransUnion should have INCREASED my score, but has apparently chosen to penalize me for appropriately correcting a negative misreported error. TransUnion can not explain their reason for lowering my score in this matter. This is not as complicated as quantum physics - it is a simple matter of right/wrong and them refusing to do the right thing. XXXX increased my score - TransUnion kept reporting the error for two years and has chosen to dock me XXXX points for correcting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Federal Rule of Bankruptcy Procedure XXXX requires that certain personal identification information be redacted from documents filed with the court. This makes it impossible for them to verify the Bankruptcy
Product: Mortgage

In XXXX I sent a complaint to BB & T, because after two years of responses to my RESPA QWRs from XXXX XXXX XXXX ( XXXX ). they have written to me that the custodial bank for my foundational loan documents are in XXXX. In XXXX of 2015, XXXX wrote in a CFPB response that BB & T is now the custodial bank. I then sent a complaint to BB & T on the CFPB web page. BB & T immediately sent it back to the CFPB stating they had no account in my name. After sending another complaint to XXXX, they recently responded with the attached letter. In that letter, in paragraph XXXX, they claim once again that the custodian of the Loan is Branch Banking and Trust Bank. I also filed a complaint to XXXX ( XXXX ) XXXX this past summer, and they are still researching and trying to figure out how to respond. Does BB & T still deny they are the custodian? Is BB & T for some reason allowing XXXX to use them as a decoy? I do n't understand why the servicer and the banks including XXXX, XXXX XXXX, XXXX, and now BB & T continue to give me the run around on a few simple questions.
Product: Debt collection

I am writing to formally dispute the collection/closee account listed on my credit report. I am not liable for this Debt of {$980.00} with ASSETCARE LLC I did not sign a contract with ASSETCARE LLC and I didnt receive Verification of the debt via the original Contract Account number : unknown I notice discrepancies in the personal information section, which I believe is inaccurate. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate and verifiable information on my credit report. I am requesting that this collection account be investigated and removed if it is found to be inaccurate or unverifiable. Disputed Account Details : Collection Agency Name : ASSETCARE LLC Date of entry : XX/XX/year> Reason for Dispute : 1. I have not been afforded the opportunity to dispute the account in accordance with 12CFR 1006.34 ( c ) ( 4 ) ( ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. 2. ASSETCARE LLC has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. XXXX. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfil their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). ASSETCARE LLC is flagrantly disregarding consumer protection statutes. I demand that CFPB investigate these egregious Legal Basis for Dispute : 1. Fair Credit Reporting Act ( FCRA ) : Under Section 611 of the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. The credit bureau is required to investigate the disputed information and ensure that it is accurate and verifiable. If the information can not be verified, it must be removed from my credit report. 2. Fair Debt Collection Practices Act ( FDCPA ) : Under Section 809 of the FDCPA, I am entitled to verification of the debt from the collection agency. If the collection agency can not provide proper verification or validation of the debt, it must cease collection efforts and remove the account from my credit report. Request for Action : I request that you investigate this matter and provide me with the results of your investigation. If the collection account is found to be inaccurate or unverifiable, I ask that it be removed from my credit report. Please provide me with written confirmation once the correction has been made. Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law.
Product: Debt collection

A garnishment hold was placed on a checking account of mine for a debt that is not mine. The collection company ( Love, Beal & Nixon PC ) in XXXX  XXXX, OK refuses to provide any information on what the collection is for, they have not validated the debt and I was never served with any paperwork for this debt. I have never been made aware of this debt and does not show up on my credit. I have no idea what this is and the collection company refuses to communicate any information in regards to this debt they are attempting to collect.
Product: Credit card or prepaid card

As shown in the attachments, Capital One materials tell customers the following about cash advances : -- - Q : How do I get a cash advance on my credit card? 

A : At ATM : - Ensure PLUS logo is displayed- Have PIN ready & follow instructions displayed At a Bank : A - Ensure Visa/Mastercard logo is displayed - Provide card & proper identification to teller AND " With each cash advance, we charge a front-end fee, or service charge, that posts to your account the day of the transaction. Be sure to review your account terms for details. '' -- - I paid my credit union {$2500.00} total online -- not with a teller, not at a XXXX XXXX XXXX, and not using a PIN. The {$2500.00} was two separate transactions, one for {$2400.00} and another for {$5.00}. 

Still, I wasn't sure if Capital One would charge me the cash advance fee for these transactions, so I logged in online and saw the transactions categorized as " other services. '' There was no coding indicating they were cash advances. Although Capital One says they charge a front-end fee that " posts to your account the day of the transaction, '' that didn't happen in my case either. Instead those fees posted after the transaction date, further obscuring the fact that Capital One treated the charges as cash advances. On the phone, a Capital One agent told me that it takes awhile for coding to come through from the merchant, information that is at odds with posting front-end fees the " day of the transaction. '' When I got my monthly statement I got a rude surprise that Capital One did treat the transactions as cash advances and had started charging interest immediately. Based on the information above ( included as attachments ), Capital One didn't follow its own policies about cash advances -- for example, I didn't conduct the transactions in a branch, provide my card or identification to a teller, or use a PIN. No front-end fees were posted to my account on the " day of the transaction. '' Note as well that many of my previous transactions with Capital One are categorized as " Other Services '' but none of those incurred cash advance fees and interest. 

I also had horrendous customer service experiences.