23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

REF : XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ Date 7/31/15Rushmore Loan Mortgage, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX - Loan Office of President- REF Loan # XXXX ss # XXXXThis is a dispute about Rushmore taking over loan from XXXX. in XX/XX/XXXX and that they are double escrowing me on taxes when taxes are paid and Rushmore ck sent to taxes I reimbursed XXXX XXXX ) plus double paid taxes in XX/XX/XXXX. The amount taken over from in 1st mortage {$46000.00} with all errears and no escrow balance ( settled XXXX. Rushmore is asking for {$210.00} in escrow a month when qtr taxes are {$330.00} XXXX est. {$110.00} a month ) plus they are aware they I disputed this in XX/XX/XXXX at initial conception. They mis-appropiate my regular payments towards an account called " other '' and they have also have unapplied money on account totaling over {$1200.00}. They claim over XXXX owed immediatedly or threat to foreclose. This is a low income unit and is protected by C.O.A.H. Please look at misc debit postings of {$11.00} unexplained. Late charges of {$25.00} by which my registered mail can dispute. I made a complaint with Banking and Insurance. I went to Fair Housing and received counseling from XXXX XXXX. I am getting negative resolution from Rushmore and want re-posting of all my regular payments to appropiate months split with part going towards principal and part interest like it should have been from the start. Since they are not sending checks to XXXX XXXX except for the {$330.00} I reimbursed them and paid XXXX also ( double paid ) carrying me through 4th qtr. Please help me. I am a single mom raising a child with XXXX. My documents are attached to this complaint.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft for various loans and bank items
Product: Credit reporting, credit repair services, or other personal consumer reports

Bellow companies Marketing details & enquiries not recognize on my file 1. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 3. 
XXXX CO XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, FL XXXX 4. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX 5. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX 7. 
XXXX via XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 8. 
XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX 9. 
XXXX XX/XX/XXXX Location XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 10. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX  XXXX XXXX XXXX, UT XXXX 11. 
XXXX  XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 12. 
XXXX XXXX  XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX 13. 
XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, IN XXXX
Product: Credit card or prepaid card

I was notified on XX/XX/XXXX that the US Bank Credit Card account which as been open since XXXX ( XXXX years ) was closed for the following reason " Your account has been inactive for at least 12 months ''. I believe the systematic closing of revolving accounts during the time of COVID-19 is an acknowledgement of the bank 's credit underwriting model risk failures and attempt to force customers to involuntarily undergo re-credit rating using the bank 's new credit models which are more conservative given the current COVID-19 regime. 

Closing the single longest trade line reduces the average length of credit and other history related variables considered in credit scoring decisions. Adverse impact to credit score is anticipated as a result.
Product: Debt collection

Sequium Asset Solutions reported a delinquent XXXX XXXX account on my credit report. Neither the name or address are mine. I contacted Sequium and informed them to which they stated that they would place the account in a fraud status until further investigation was done. That simply means they won't try to collect the debt, but they were not saying that they would remove the account from my credit. I informed them that this is the 2nd collections company to have reported it to my credit and the first one was deleted by the XXXX XXXX XXXX and the credit reporting bureau. Additionally, I have a fraud alert on my credit specifically due to this activity. They made no effort to collect any amplifying information from me with the intent to delete the inaccuracy from my report. I was told by Sequium that I would need to contact XXXX XXXX XXXX to have them " pull it back ''. I did that and XXXX XXXX XXXX told me because it was already sent to an external collections company that Sequium would have to delete it. Sequium is the 2nd company to irresponsibly report negative debts on my credit for this account and should be reprimanded for it. Collection companies should have a responsibility to verify the identity of accounts before sending them to the credit bureaus. Based on the information contained on my report, Sequium made little if any effort to make notification or attempt a collection before reporting it. The time between the account being deleted the first time to the second reporting of it was less than 60 days. I only found it by happenstance. 
Attached is the correspondence with XXXX XXXX XXXX. They determined the account to be fraud and deleted it, so I expect Sequium to do the same.
Product: Mortgage

This is a status of the last complaint with US Bank service. XXXX I am receiving confusing information from the bank. When they call and I speak to representative about the Maryland HAF program status, they state that I need to reject the loan modification and then they would be able to accept the funds. I already did that and confirmed that they would move ahead with HAF program. 
I came home and received the same loan modification documents to sign and return prior to XX/XX/21 stating that my loan would be increased from 24yrs remaining to 40yrs. And no mention of HAF funds. I am unable to resume payments because they are not responding with required data to accept the HAF payment in my behalf. Is there a mediator that can help me? I dont want to lose the opportunity to use HAF funds ( loan ) or lose my home. Signing the loan mod means I would no longer qualify for HAF.
Product: Credit reporting or other personal consumer reports

These accounts aren't mine, and I have no connection to the mentioned creditors.
Product: Credit reporting or other personal consumer reports

There is an erroneous inquiry on my Experian report .It is XXXX. XX/XX/year> this is not my inquiry and must be deleted immediately as per FCRA laws.
Product: Debt collection

The attorney violated our right to the Consumer Protection and to the KS statute of limitations on this case. This case was paid in full but they went ahead and left us with nothing by taking everything for a case that was paid in XX/XX/2013 via bank check.
Product: Vehicle loan or lease

I refinanced my vehicle loan through XXXX XXXX XXXX XXXX, and they issued a check to Ally Financial to pay off the remaining balance of my original loan. 
I promptly mailed the check to Ally Financial, and ever since, I have been subjected to repeated and harassing calls from Ally Financial, claiming that my payment is overdue. 
I have explained to their representatives multiple times that the loan was refinanced and that the check was sent. Despite this, I was told that no payment had been received. 
I then contacted XXXX XXXX XXXX XXXX, who confirmed that the check was received and cashed by Ally Financial on XX/XX/year>. 
After providing this confirmation to Ally Financials representatives, I was told that their records showed no payment was received. 
I have been repeatedly harassed by Ally Financial despite providing evidence that the payment was processed and confirmed by XXXX XXXX. This has caused significant stress and inconvenience, and I am frustrated by their continued insistence that no payment has been received when it has been clearly documented.
Product: Debt collection

Canceled XXXX XXXX account in XX/XX/XXXX ( don't recall the exact date ). On the call, I was told that XXXX would send a box to my home if they wanted return of the equipment. Box never arrived at my home. XXXX  charged my account for non-return of equipment, and sold the debt to TransWorld Systems -- who dinged my credit on XX/XX/XXXX. I contacted XXXXXXXX XXXX  on XX/XX/XXXX to point out the error. Once they told me the address they sent the box, I confirmed that they sent it to my son ( at a vacant house ). I did find the box, and have a picture of the box with the wrong address on it. BTW, I have never lived at that address, nor was it listed on my account. XXXX  sent another box. I sent back the equipment, and that box was confirmed received by them on XX/XX/XXXX. I called XXXX on XX/XX/XXXX to confirm that the account charges would be cleared, and was given assurances. On XX/XX/XXXX I called again and was told that the credit had not yet been posted to my account, but it would be in a few days - and then XXXX will notify the debt collector TransWorld Systems to remove the debt from my credit report. Same story, different verse.
Product: Checking or savings account

Firstly, Wells Fargo Bank lied in all of their previous answers to my CFPB complaints, to get you to not investigate. Previously credit reversals : 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  {$130.00} Wells Fargo Bank, would choose the Merchant 's response to my charge of fraud. Wells Fargo Bank, would charge my savings account. The aforementioned would charge me over draft fees. They would over draw my checking and savings accounts. Lastly, They are attempting to punish me for ; contacting the CFPB. They attempting to ruin, my EXCELLENT credit and Fico scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX complaint was received by XXXX XXXX from XXXX on XX/XX/XXXX. ( XXXX ) XXXX dated their response to my complaint as XX/XX/XXXX. ( XXXX ) The envelope that I received from them showed that it was mailed on XX/XX/XXXX. ( XXXX ) It appears as if XXXX engaged in mail fraud in order to make sure the negative items were not deleted within 30 days, as is required by the FCRA when there is no response within 30 days. When I originally sent out the complaint, I sent it out at the Post Office on XX/XX/XXXX ( XXXX ).
Product: Debt collection

DEAR SOUTHWEST CREDIT SYSTEMS ; XXXX ; I have disputed this item with the XXXX XXXX XXXX and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity.
Product: Mortgage

Freedom Mortgage reacquired my loan in XXXX of XXXX ( they had sold it and repurchased a few years later ). I had the same insurance policy since I purchased the home in XXXX of XXXX. When Freedom bought my mortgage they failed to pay the insurance and no one, XXXX or Freedom Mortgage, informed me. Freedom claims they sent me letters but nothing was ever received by me as I informed them multiple times. This is also a a recurring complaint against Freedom Mortgage of failure to pay insurance or notifying home owners. As soon as I was finally made aware ( by the increase in nearly {$6000.00} a year in escrow expense on my monthly bill ) I called them got the information and got new insurance within the week. Despite this, I'm still being charged roughly {$2500.00} more a year in escrow for insurance that was cheaper than my original insurance that they failed to pay. I've requested it be remedied on numerous occasions and even turned autopay off recently while they were supposed to investigate and get back with me. Despite them still blaming me for their failure to pay my insurance, which no other mortgage company has had an issue with ( my mortgage has been sold about 8 times since XXXX ), they've failed to respond timely, respond at all, or correct the issue. On top of that, after speaking with someone today from Freedom regarding the hit they put on my credit for late payment, they informed me that they themselves had received cancellation notice from XXXX regarding my insurance ( she said this twice even after backtracking it after the first time ), but at the same time claim to have no record of the insurance due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am disputing this collection account on my profile. It is a not a valid debt and I am requesting validation of debt. If you cant provide the accurate information requested. I demand deletion from my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 


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.
Product: Mortgage

I had a HELOC through TCF Bank, which was sold to The Huntington National Bank. I received a notice of transfer from The Huntington Bank on XX/XX/2021. The letter was signed by XXXX XXXX, XXXX, Consumer Loan Servicing Director. The letter advised me my HELOC had been transferred to Huntington. The letter constituted a Mortgage Transfer Notice, and said, and this is a direct quote, " This Notice does not affect the terms or payment of your mortgage loan. '' On XXXX XXXX, 2021, I received a letter from TCF Bank, and the terms of repayment of my loan had been changed. Also, The Huntington has begun a bullying campaign in an effort to make me apply for a Personal Line of Credit to replace my HELOC. I have had two conversations with The Huntington personnel, and have stated repeatedly on a recorded line, that I do not want a PLC, I want to retain my HELOC, as I am allowed by law. I have tried to set up an online account to pay my HELOC payments on line, but am unable to get any help, as The Huntington insists I have a PLC now, and " for their purposes, a PLC and a HELOC are the same. '' This is absolutely false. A PLC and a HELOC are two different animals. The letter from The Huntington lists the following contact information : The Huntington National Bank, Attn : Customer Service XXXX, XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX. I have never agreed to or filled out an application for a PLC with this Bank. Please Help!!!
Product: Mortgage

First United Bank refused to talk to me because of the 'status ' of my account. I have talked to the executive account liason and numerous managers. They refuse to provide me any information on my account but are reporting my account as delinquent and to the credit agencies. I do NOT even own this property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft someone stole my personal information to open fraudulent account. this is very stressful. I called the companies to report these account as fraud and i notice that these fraudulent Accounts is still showing on my credit report. I want these Account blocked from my credit
Product: Checking or savings account

Reference is made to my complaint XXXXpreviously filed on XX/XX/XXXX. 

Today is XX/XX/XXXX and I still have no answers from Bank of America as to why they closed my accounts on XX/XX/XXXX and why they are holding my funds from me. 

In addition to all of my savings, they are holding my last paycheck from my employer which was a cleared direct deposit received on XX/XX/XXXX. 

I have had to borrow money for rent and to pay my bills. I have had no money to live and no access to recent or historical activity on my accounts. 

The bank has not issued a written notice of any kind informing me of the account freeze. No email, no letter, no phone call. To this day I have no idea why any of this is happening. I have made repeated visits to several branches and have been informed they have no idea why this occurred, and that I do not have the right to know why this is happening. 

My due process rights have been violated and I am seeking damages for emotional and financial distress caused by Bank of Americas actions. I am also seeking punitive damages so this does not happen to customers in the future.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

CONSUMER XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX
Product: Credit card

I first disputed the purchase with the merchant, and the merchant did not take my case serious and failed to help me in resolving the issue which led me to believe that they had scammed me from the beginning. I provided all information they requested including a photo of what I had received, and they were not cooperative, as if they were playing a game with me. At one point in the emails, the merchant mentions that maybe someone was playing a joke on me. 

Since the merchant was not being cooperative, I contacted Capital One and informed them of what happened, they credited the amount and later charged my account again claiming not enough information was sent to them. I sent Capital One all the emails back and forth between me and the merchant where I am explaining what I received and requesting them to refund me which clearly shows evidence of them not helping. I also included the photo of what I received to Capital One. I sent them everything they were asking for, and they refused to help me. I tried opening the case again with Capital One since this has dragged on for a while back and forth due to both the merchant and Capital One not helping me, and now Capital One refuses to acknowledge that this has taken long because of the fact that I was not getting cooperation from either side. 

Capital One has taken advantage of me as a customer and I am asking for them to credit me back {$490.00} that was stolen from me from a company that scammed me. I was taken advantage of both times. 

I have enclosed the emails, photo of what I received which clearly shows they were not XXXX. All of this was sent to Captial One from the very beginning of my dispute, and I have also enclosed the letters from Capital One. 

I appreciate your help and understanding. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company improperly submitted an old collections account as new, damaging both my credit report and credit score.
Product: Prepaid card

I filed a claim for a fraudulent transaction on XX/XX/XXXX, they said it would take 90 days to investigate... I received a email yesterday, XX/XX/XXXX saying that they can't approve my dispute... The company is card holder service...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lived at the person house who stole my identity and used it for XXXX XXXX XXXX XXXXXXXX XXXX which my name was spelled wrong on the account. I did not authorize this account. I was not living there during this time that account was open in XXXX 2021. I was Incarcerated at the time my identity was stolen. Now that I'm getting a better understanding of my credit report, I want this removed off my credit this is a fraudulent account that was made without my authorization. My last name is spelled XXXX, and middle name XXXX, which are incorrect spelling. I do not understand how and why this is stuck on my credit report without my consent.
Product: Vehicle loan or lease

This is now my EIGHTH ( 8TH ) COMPLAINT about the Bank of America refusing to grant us a reduction in our monthly car loan payment to {$500.00} from {$770.00}.

Yet the Bank of America as you notified me today is late in its response! There is absolutely no excuse for this! The Bank of America should be heavily fined! 

I was told by Mr. XXXX of the XXXX, New Jersey branch that the Bank of America orally will permit us to pay {$500.00} but that it will not put this in writing! 

I am an attorney-at-law ( ret ). Agreements of this kind to be enforceable must be in writing. 

The Bank of America is being dishonest! 

And it even threatened to take us to court and to repossess our car despite our dozens of emails, letters, and telephone calls, including several letters to the President of the Bank of America in XXXX, North Carolina who has not had the courtesy or decency to answer us! A rude dude!
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for understanding and reviewing the second complaint. XX/XX/2020 a complaint was sent regarding late payments on student loans. Made several attempts for the company to comply with using the same account number beginning with XXXX and displaying 36 late payments instead of 6 under one account. According the FCRA guidelines, the company furnishing information incorrectly along with depleting my credit and creditworthiness.