23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Since the death of my mother-in-law and tenant-in-common on the subject property, I have attempted to assert my rights as survivor-in-interest with the mortgage servicer ( XXXX, XXXX XXXX and now Rushmore Loan Management Services ). I have provided a copy of the Grant Deed granting me a 50 % interest ( in XXXX ), a copy of her death certificate ( XXXX ), and proof that the subject property has been my principal residence ( since XXXX ). Additionally, I have made every single payment to all three loan servicers since XXXX. 

Successors in interest to property secured by mortgage loans covered by the Real Estate Settlement Procedures Act ( RESPA ) and the Truth In Lending Act ( TILA ) are guaranteed certain rights as part of the Consumer Financial Protection Bureaus XXXX Mortgage Servicing Rule amendments to RESPA and TILA. A successor in interest is a borrower for purposes of RESPAs mortgage servicing rules and 12 C.F.R. 1024.17 and a consumer for TILAs mortgage servicing rules. 12 C.F.R 1024.30 ( d ) and 1026.2 ( 11 ). Successors in interest are entitled to the same rights as the original borrower. 

Rushmore is refusing to accept payments from me ( or the 2nd TD  holder ) even though under the California Civil Code, 2nd TD holders have the right to bring the first current which was current until Rushmore returned the XX/XX/XXXX payment. 

Rushmore 's actions are being taken with the expressed intent of forcing the property into foreclosure.
Product: Debt collection

I do not owe debts. Bills are paid timely. Keep getting robo calls on answering machine from XXXX stating it is debt collector. Must be continuing scam. I do not return the calls.
Product: Debt collection

This is about a continued claim I already filed, about not even owing the money and going direct to the source. 
I have asked the credit collection agency to stop calling regarding this ( they were very upset about me going to original party about this ), they still have not sent any materials so I can even see information or contact information for original party! 
They keep calling even though every time they call they are told not to call me! He yells at me that he has every right, that I owe this money to them now, I always hang up. 

Here are dates and times all Pacific same day as reported originally just later : XX/XX/2020 @ XXXX XXXX  XX/XX/2020 @ XXXX XX/XX/2020 @ XXXX XX/XX/2020 @ XXXX XX/XX/2020 @ XXXX ; XXXX XX/XX/2020 @ XXXX XX/XX/2020 @ XXXX XXXX caller is using two different phone numbers XXXX and XXXX
Product: Credit reporting 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 : Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX  Account Name : UNKNOWN : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX U.S.C XXXX 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: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing in regards to my credit report which contains inaccurate and incomplete information that requires attention. Specifically, I am writing to dispute an item on my credit report related to an account with XXXX XXXX XXXX. The account was opened on XX/XX/2018 with a balance of {$0.00}. The reason for my dispute is that your agency has not provided enough information to verify the debt in question. XXXX, one of the credit bureaus, has already removed this account from their records due to an error that was found. I am confused as to how you have verified this account while the other bureaus have removed it. Therefore, I request that you delete this account from my credit file as it is inaccurate, erroneous, incomplete or unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was offered a loan with this company and accepted the loan terms under the impression they were a licensed lender in my state. I made a payment on the loan and got behind on the loan and contacted the company to make payments arrangements and told the company I could only offer to pay about {$25.00} per month on the loan because I am now out of work. The company refused the payment amount. I contacted my attorney general office to check on the validity of there license status and was informed that they are not licensed in the state that I live in which is South Carolina. The fees they are charging will never allow me to repay this loan in a timely manner. They have locked me out of my online account and refuse to allow me access to review the loan terms more closely.. When I try to log in it refuses to allow me to reset my password. Also, they are reporting this loan on my credit and they are not even licensed to make loans in my state of residence per my attorney general. The original terms of the loan was only 4 months and they have also changed this on my credit report stating this loan was for a total of 19 months which is not what I originally agreed to and is also false reporting on my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 my credit card company XXXXXXXX XXXX XXXX reported my credit card account ending XXXX to all three credit agencies. Only one credit agency which is XXXX is the only one thats reporting. Im having issues with XXXX and Experian to report my credit card account on my report. I reached out to not credit agencies on numerous occasions.
Product: Mortgage

RE : Loan # XXXX I have sent NewRez several emails asking for an update on the completion of my assumption process. I have not heard back. 

On XX/XX/22 NewRez stated that the underwriting process was completed and loan approved. The timeline they provided to me says that once loan is approved the company has 30 days to complete the assumption. 

This means that all items related to the assumption should be finalized no later than XX/XX/22. I would like NewRez to confirm we are on target for an XX/XX/22 completion date and if not, please describe in detail why that is.
Product: Credit reporting or other personal consumer reports

I have opted out of all credit. Affirm sent me an advertisement. TITLE : Flexible payment options, on XXXXXXXX XXXX BODY : Rates from 0-36 % APR. For example, a {$300.00} purchase might cost $ XXXX over 12 months at 15 % APR. Payment options through Affirm are subject to an eligibility check, may not be available in all markets, and are provided by these lending partners : affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. Estimated payment amount may exclude taxes and shipping. For licenses and disclosures, including information for New Mexico residents, see affirm.com/licenses. CA residents : Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license. 

Affirm on XXXX XXXX is only available online and in-app, on an XXXX or XXXX. XXXX requirements apply. May not be available for all types of purchases, such as subscriptions and recurring transactions. To ensure you have all features of this product, update your device to the latest software version. 

If you are an Affirm Card holder, when you checkout using Affirm through XXXX XXXX, your Affirm Card will be used for your purchase and debited for the purchase amount. The Affirm Card is a XXXX debit card issued by XXXXXXXX XXXX XXXX XXXX XXXX XXXX pursuant to a license from XXXX XXXX XXXX. If you are not an Affirm Card holder and you are approved for a loan for your purchase using Affirm on XXXX XXXX you will be issued a one-time-use Affirm virtual card for your purchase, which is issued by XXXX XXXX XXXX XXXXXXXX FDIC XXXX Payment plans are not a guarantee. 

Unsubscribe | Privacy Policy | Help Center This email advertisement was sent to : XXXX Affirm | XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, California XXXX
Product: Debt collection

I received a call from Meade & Associates XX/XX/2020 at XXXX EST from number ( XXXX ) XXXX. Representative named XXXX ( do not know last name ) called me. I tried clarifying payments I have already made towards my account however she couldnt really give a definite answer of why shes not showing my payments. Instead of telling me I could dispute charges, she then says okay well you have a great day when I am trying to figure out why my payments are not showing. Her tone of voice was very sarcastic when she was saying how Im either going to pay or not because its on me, and my responsibility. I just use one curse word because I didnt appreciate how she didnt want to help me or her tone of voice and the representative HUNG UP on me instead of trying to work out where my previous payments have went. I called back, got the same lady ( XXXX ) and I wanted to talk to a supervisor. She then told me one is not available. I requested to just talk to another representative and got in touch with XXXX. He gave me the companies name ( I wasnt sure how how its spelled ). I complained about the last representative, as Im sure anyone would, he ALSO was rude and very smart aleck towards me. Supervisors name is apparently XXXX XXXX and I have yet to receive a call back.
Product: Credit reporting

the credit agency Experian, XXXX and XXXX are reporting a Federal Tax Lien in XXXX County showing a balance of {$33000.00}. This Tax Lien is included in our ChapterXXXX XXXX bankruptcy and has been discharged. It is not showing in discharged in bankruptcy with a zero balance.
Product: Checking or savings account

On XXXX XXXX, 2020, I was at home recovering from a bad cold. I received a call from TD Bank at approximately XXXX along with a text with the message : Did you make a purchase at XXXX for {$180.00}? I immediately said NO and then a phone call immediately followed from TD Bank. After identifying myself as the account holder, your fraud specialist concluded that someone was using our account maliciously. They ran off several charges that were being made within a 1.5-hour time slot. TD Bank cancelled the card immediately and determined that neither myself nor my husband was using the card. BTW while your banking person was notifying me of this fraud, my husband was in the car driving from XXXX. At that moment, it was determined that FRAUD had been done. 

On XX/XX/XXXX, I received a letter from your Disputes and Claims department stating that after your investigation, you determine that NO FRAUD DID NOT OCCUR. Seriously! We all knew that fraud was occurring, has occurred and yet you sent this ridiculous letter saying there was none. 

I took the liberty of forwarding this letter to XXXX XXXX XXXX XXXX, a television program that exposes and helps victims like myself with issues of this nature. They will televise and interview me as well as your bank to get to the bottom of this. I will also forward this to the Consumer Financial Protection Bureau to alert them of this practice. My husband and I work very hard to make ends meet. We sometimes must work more than the normal 8 hours because of how the economy has gotten more expensive to live. The last thing we needed to see is that {$310.00} was removed by some criminal using a card that was lost and now it seems like we are getting the same type of disregard from TD Bank. Shame on you! Ill await your response. 

Regards, XXXX XXXX Account Number : XXXX XXXX Mobile
Product: Checking or savings account

I purchased cd instruments via the internet on us bank website without a human interface. I understood I have 10 days upon maturity to take action. In no document does it mention this must be done verbally. US Bank now tells me I must call or come to a bank. I will be traveling without ability to call in the time frame.

Given it is a reasonable expectation if you can buy something online you should be able to complete it the same way I asked for the following : 1. Automatically transfer the CD to checking upon maturity. - DENIED 2. Cash out now and forfeit the accrued interest but waive the penalty fee. - DENIED US Bank is opaque at best and the information isnt available where the CD was purchased ( had to XXXX it ). They are essentially holding my funds XXXX and will rollover to the same term. 

Please stop this unfair and predatory practice.
Product: Debt collection

The collector is trying to collect more than is owed to XXXX XXXX, I owe XXXX they are trying to collect XXXX They also claim that I owe XXXX XXXX XXXX I did contact XXXX XXXX, I was told that I do not owe them any money. 

The collection agency is Affiliated creditors inc
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax is currently reporting 2 collection accounts that i have no knowledge of. I was never given a DV from either company and they are incorrectly reporting on my credit file. 

XXXX XXXX - i disputed this account with the CFPB and the company also stated that they have no accounts reported. but its being reported by XXXX ( doc attached XXXX XXXX XXXX - also is another collection being reported and i have no knowledge of and was not given a DV
Product: Mortgage

Re : loan modification application with Select Portfolio Services inc/loan # XXXX and XXXX XXXX/XXXX fl XXXX.After four monthes we have not received a final decision on our modification loan apllication.We have a court date scheduled for XX/XX/XXXX.SPS continues to contact us for the same clarification/documentation info ..over and over again, pushing back the underwriting process .We are running out of time and options.It seems that they have no time table or agenda to get this done.We are desperate to stay in our house.It should also be mentioned that they did approve us for a loan modification XX/XX/XXXX/but communication was lost from the transfer of our loan from XXXX to SPS and we were.. not aware that the loan had been approved. we never rec, d the contract /nor did our attorney.Since we missed the trial period we had to re-apply .The process has been request after request for the same information over and over again.You never talk to the same rep twice. 
if you can help expedite this process we be very appreciative .We want to stay in our house ; but ca n't get them to come to a decision/thanks XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, I saw a fraudulent charge of {$980.00} on my XXXX Truist Bank account for a venue in XXXX XXXX XXXX XXXX from my debit card. I was told that they would investigate. I heard nothing more until I received a letter from Truist on XX/XX/XXXX, informing me that they had investigated and decided that the charge was valid. They said I had to deal with the merchant. I immediately contacted XXXX XXXX and they confirmed that it was fraud. XXXX XXXX says that since the venue had already occurred, they can not refund my money, even though there is no question that it was a fraudulent transaction. I was told by Truist to send an e-mail to XXXX XXXX explaining this contact. I did so on XX/XX/XXXX, thinking that the matter was settled, but, on XX/XX/XXXX, Truist removed the {$980.00} from my checking account and will not return it. I have made XXXX visits to the Truist Branch on XXXX XXXX, XXXX XXXX, XXXX dealing with XXXX XXXX and the branch manager.. They both agree that the charge was fraudulent, but continue to insist that there is nothing more the bank can do. I have made several calls to XXXX XXXX, I have left messages but have found it impossible to speak to a live person. I have left voice messages asking them to send me something ii writing to verify my claim. But I receive NO response. I strongly believe that the money should be returned by Truist. I reported it, as I was supposed to, and they admit the it should not have been taken... but, will do nothing to remedy this. 
The XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed fraud alerts on my credit report as there has been a series of invalid inquiries and accounts opened. I have filed several disputes in an attempt to have the items removed from my credit report and have been unsuccessful. I have filed an Identity Theft Affidavit with the FTC and a police report with my local police department. I am asking for removal of the following inquiries : Rise : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, I XX/XX/XXXX XXXX, I XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXXXXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX - XXXX, XXXX  - XXXX XXXX XXXXXXXX XXXX BALANCED {$890.00} XXXX XXXX XXXX BALANCED {$800.00} XXXX XXXX BALANCED {$1100.00} XXXX XXXX XXXX BALANCED {$2700.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly.

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX  Balance Owed : {$56.00} ; XXXX XXXX XXXX Balance Owed : {$210.00} ; XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$6.00} ; XXXX XXXX Balance Owed : {$15.00} ; XXXX XXXXXXXX Balance Owed : {$5600.00} ; XXXX XXXX XXXX Balance Owed : {$29000.00}.
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4100.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX  XXXX Balance : {$20.00} ; XXXX 'S XXXX XXXX XXXX : {$450.00}.
Product: Debt collection

This account reported on my credit report and I have no idea even it 's my account due to lack of communication I have not received and correspondence by mail or phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been endangered.I was looking over my records once more and I discovered a lot of items that not belong to me. I'm really particular about research, thus, I found that under section 605b of the FCRACredit Bureaus are required by law to remove any items which is found to be opened due to identity theft.. Im attaching the required FTC Report with FTC report # s XXXX & XXXX and other documents that proof of my identity and current address. Please block these following items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX US DEPARTMENT OF EDU ( Original creditor XXXX XXXX XXXX XXXX Balance {$3200.00} ; US DEPARTMENT OF EDU ( Original creditor XXXX XXXX ) XXXX Balance {$2300.00} ; US DEPARTMENT OF EDU ( Original creditor XXXX XXXX ) XXXX Balance {$3700.00} ; US DEPARTMENT OF EDU ( Original creditor XXXX XXXX  ) XXXX Balance {$3700.00} ; US DEPARTMENT OF EDU ( Original creditor XXXX XXXX ) XXXX Balance {$2200.00} ; US DEPARTMENT OF EDU ( Original creditor XXXX XXXX  ) XXXX Balance {$1400.00} ; XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX ) XXXX Balance {$2300.00} ; If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires credit Bureaus to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If theres no records provided & claim these items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on NATIONAL RECOVERY AGEN ( Original Creditor : XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.