23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My previous mortgage company was XXXX XXXX XXXX. In XX/XX/XXXX, I received a generic letter stating that the loan was being transferred to Rushmore Lending, that is all the letter contained. I contacted Rushmore and explained that a third party ( XXXX XXXX ) was making mortgage payments on my behalf. I was  told that nothing could be done at that time due to not having a full transfer and an account number. I was assured that once an account was established I would have sufficient time ( three months ) to get back on track. 

I contacted Rushmore in XXXX, they still did not have an account number. XX/XX/XXXX, I was contacted for payment from Rushmore. I explained again about the third party payments and asked for an account number. I contacted XXXX XXXX  provided them with the account number and they reached out to Rushmore for the amount needed to bring the account current. I followed up with XXXX XXXX  at the beginning of XXXX and was told that Rushmore had not responded to their request. During this time I have received multiple phone calls, at least two packets of foreclosure documents and recently ( XX/XX/XXXX ), a representative left blank debt paperwork on my front door ( violating the Governor 's Executive Order ). I contacted Rushmore Lending ( XX/XX/XXXX ) about the harassment and they did not deny it. I demanded that they stop. 

XXXX XXXX  has paid Rushmore Lending dated {$1900.00} for the months of XXXX. Regular payments in the amount of {$650.00} will begin XX/XX/XXXX. 

The following is a copy of the email that was sent to me from XXXX XXXX. I can submit the original email if I am provided an email account to send it to. 

XXXX  Important Notice Inbox hhfcustomerservice XX/XX/XXXX, XXXX XXXX  to me The Illinois XXXX XXXX XXXX. 

This is to notify you that your Servicing transfer is complete and that XXXX  resumed making mortgage payments on your behalf. 

Reinstatement Payment : {$1900.00} Date : XX/XX/XXXX Monthly Mortgage Payment : {$650.00} Date : XX/XX/XXXX *Estimated Final Assistance Payment Date : XX/XX/XXXX A program conclusion notice will be sent in the mail after the last payment is made. You are responsible for your mortgage payments after the Final Assistance Payment Date. Effective, XX/XX/XXXX resume-making payments to your servicer. 

XXXX-Customer Service XXXX My account is current, but they continue to harass me. This is unacceptable and I need it to stop immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I analyzed my credit report, I discovered that there are inaccurate information. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reported items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were inaccurate.I requested that they investigate these and analyze my files by sending letters to all 3 credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXnquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX, XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquired XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX  on XX/XX/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 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 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 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

In XXXX of 2020 I purchased an item on-line using my PNC Visa Credit Card. The item that was sent to me was not as described, not even close. I have provided 31 pages of communication with the company that I purchased the item from but as of today, XX/XX/2020 the dispute has not been resolved. Several calls have been placed by me to the PNC Bank dispute department and all I get is they are working on it. I provided the original advertisement showing a description and pictures of what I purchased and a picture of what was received. The company that I purchased the item from wants to refund me {$12.00} instead of the purchase price of {$61.00}. The company will not allow me to ship the item back, they refuse to send me a prepaid label or a return authorization. 
I am suppose to have protection against this type of fraud but apparently PNC Visa, even though they say I am protected, to date I am not. The case number for the dispute with PNC Visa is XXXX
Product: Credit reporting

I lost my wallet my social security card and my greencard is in there please let me know if someone using my social security number
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the FCRA Fair Credit Reporting Act to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau CFPB has recently filed a lawsuit against XXXX, alleging systemic issues such as failed to forward consumer-provided evidence to furnerishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where XXXX has neither corrected nor removed the disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. I believe this also applies to Transunion and it's practices as the investigation process through Transunion has been even more extensive resulting in many days of delay from Identity verification claiming that I am unable to be assisted until fully verified.This caused me to login and send personal information electronically and physically, once done none of the information I asked to be investigated into was change. I have given documentation of other bureaus findings and Transunion remains unchanged. I believe that the same illegal acts committed by XXXX are being committed by Transunion
Product: Payday loan, title loan, personal loan, or advance loan

My check was garnished as per XXXX XXXX XXXX in XX/XX/2023. The payment was {$820.00}. The last payment was completed and the garnishment was stopped. Now the company is trying to get another {$320.00}, in which I do not owe at all. I am attaching documents as well. 

I was not even aware of the court date so I do not know how they even had a check made it to the company with my name attached. It is not my handwriting.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised while I was oversees serving in the XXXX XXXX between XXXX - XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX XXXX XXXX 1. XXXX XXXX XXXXl 2. XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 

Please update my credit report as per law abiding accuracy of data.
Product: Credit card or prepaid card

I applie d for American Express Delta Gold Rewards Card.  I was told I would get  XXXX  miles if I charged {$1000.00} in 3 months. I was approved. I went on the  American Express websi te to get more information about the company and my particular credit card I was receiving. On the website the promotion is for  XXXX  bonus miles to anyone that is approved and spends {$1000.00} in 4 months. On  XXXX  I called to complain about how unfair this was and the rep told me that unfortunately that is what I signed up for. I went on  Twitter  and the rep  XXXX  stated " We have no recourse in this matter. '' I called again that day and spoke to "  XXXX  '' who seemed sympathetic to my situation. He said he would submit the request for the correction for the better deal. I have not heard anything since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed two disputes with Equifax since XX/XX/2023 ( XX/XX/2023 & XX/XX/2023 ) regarding the removal of unpaid medical debt under {$500.00}. The collection agency XXXX XXXX XXXX refuses to stop reporting/remove it and Equifax is refusing to remove it from my credit report stating that the debt is still valid and has been verified. I am aware of the reporting changes regarding medical debt. I had no issues getting both of the collections removed from my XXXX XXXX XXXX credit reports so I don't understand why Equifax is refusing to remove them. 

The first debt is for {$50.00} from XXXX XXXX and the second one is for {$100.00} from XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of certain accounts and inquiries from my credit report. As a victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to prevent further misuse of my personal information. 
Accounts to Be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX/XXXX  - XXXX - XX/XX/XXXX - {$00.00} Inquiries to Be Blocked and Deleted : XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX ( XXXX XXXX. ) Pulled a hard inquiry on my credit report without my authorization. Once I noticed the hard inquiry, I went ahead and put a credit freeze on XXXX XXXX with XXXX equifax, and XXXX Since the freeze Ive been in contact with XXXX and the credit bureaus. I called XXXX @ ( XXXX ) XXXX and equifax @ ( XXXX ) XXXX multiple times. Talked with numerous of representatives. It seemed like they knew exactly what the other party would say. XXXX representatives said to contact the credit bureaus and dispute with them. Credit bureaus would say contact the lender since they are the ones who pulled the hard inquiry. Same story & script. Both fraud departments couldnt help me at all. Majority of the XXXX representatives said there is no open/closed account nor an application in their system under my name/info. So this is why they all referred me/transferred my call to equifax fraud department which didnt solve my issue.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found fraudulent reporting, these reporting are hurting my credit. Please remove them
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm not filing this claim in the XXXX person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. The account information is below. 
Account : XXXX XXXX, Amount {$430.00}, Acct # XXXX Account : XXXX XXXX XXXX, Amount {$2000.00}, Acct # XXXX Inquiry ; XXXX XXXX Names : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted formal letters enclosing copies of my SSN card, current state driver 's license both of which contained my correct personal information, including my legal name and correct residential address. These letters were sent from XXXX through XX/XX/2020. 

This information was submitted to XXXX, XXXX and Transunion on numerous occasions, IN WRITING, providing all related documentation to prove my legal name, address, and correct SSN. 

To date, these credit-reporting agencies have REFUSED to remove all erroneous information. THEY ARE REPORTING ADDRESSES OF CITIES AND STATES I HAVE NEVER RESIDED IN AND HAVE NEVER VISITED. THEY ARE REPORTING SOCIAL SECURITY NUMBERS THAT ARE NOT MINE. THEY ARE REPORTING NAMES THAT I HAVE NEVER USED. NONE OF THESE NAMES ARE MY LEGAL NAME AND DO NOT APPEAR ON MY SSN CARD.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX 2019 - 30 AND 60 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

Failed to furnish 1099c and update and delete reporting errors from consumer credit file
Product: Mortgage

XXXX/XXXX/XXXX I reached out to Amerisave to refinance my primary residence. I advised them that I have both a foreclosure and a bankruptcy on my credit report. They assured me with the time since the bankruptcy there was no issue after they pulled my credit report. 
They started the refi process XXXX XXXX # XXXX XXXX They charged me up front for the appraisal. They had me change mortgagee on my insurance. 
Last week I received a call they can not proceed because the bank resold the foreclosed property in XXXX. The resale was between the bank and the buyer. My foreclosure was in XXXX. Despite providing all the documentation they requested, they insisted they can not proceed. I have requested reimbursement of the appraisal which I feel is only fair in light of the sequence of events. 
Since they are aware they use the resale date not the foreclosure date, this should have been disclosed from the onset. 
I feel this is an unfair practice. 
I now have to pay for a new appraisal since I am using a different lender.
Product: Credit card or prepaid card

Bank of america credit card XXXX XXXX Called to dispute overpayment BofA sent check that I never received XXXX XXXX -called to check on status and they did a stop payment and offered to send money direct deposit ( said ir would take 3-5 business days ) XXXX XXXX Chat with a customer service rep and rudely said I had to wait 7-10 business days XXXX XXXX Chatted with customer service and said it would now be two billing cycles Asked why I was getting different information and why the reason for the hold up. No answers XXXX XXXX Called again and asked to speak with Manager. Said that refund department sent my request to research the account and that I would have my money back.
Product: Credit reporting or other personal consumer reports

When I was XXXX, my father gave me ability to use credit. My credit score remained very low and has remained low over the years. As a user of XXXX for a couple years, I use the method of disputes to try to remove reports that I wasnt linked to. I wasnt understanding why my credit wasnt getting changed over time. I have notifications that alerts me of my credit use and from time to time Ive been seeing notification alerts of my SSN has been traced and/or has been used, multiple address has been linked under my credit file and I have been unable to figure out why. Late XXXX of XXXX, I called my dad, XXXX XXXX, and asked if he was using in an apartment under my SSN and he Claimed he has no understanding and change the subject asking me what was for XXXX. I paid no attention to this. XXXX XXXX I received another notification from stating my SSN number has been used again with XXXX address linked with the alert. I took a screenshot of the alert. I told my boyfriend and he was giving me information on how to contact experience days later. The best thing I knew to do was dispute it off my credit and to call XXXX. Before I had the chance to call XXXX. I had a visitation with my father. He picked me up at my current address and drive to His apartment. Before I left the next day, I noticed the address on his piece of mail was linked to the alert on my XXXX app. Ive noticed other things that wasnt making sense for my credit report such as, one of the first use line of credit on my credit score is a credit card from XXXX XXXX back in XXXX. The account was open right after my birthday, XXXX XXXX. I was age XXXX living with my mother, XXXX XXXX, in XXXX North Carolina. The first credit card Ive ever owned was XXXX XXXX XXXX recommended by him and he helped me open the account.
Product: Money transfer, virtual currency, or money service

I was unable to speak to a representative about my issues.
Product: Checking or savings account

To whom it may concern, I am writing you to talk about what happen on XX/XX/2023. My chime account was hacked they were able to access my account and send money to another account. The amount was XXXX dollars. I called chime immediately to stop the transaction. Not only did they not stop the transaction they also havent refunded me my money
Product: Debt collection

Recovery specialist, XXXX XXXX, called multiple times, leaving voicemails on my phone as well as on my husband and mother in laws. She left my personal information as well as threatened wage attachment and asset XXXX. I have saved the voicemails. When I called XX/XX/22, she said she did not say that. Accused me of trying to get out of paying my bills. Started yelling and saying I just want to get out of paying my bills. I tried to say to cease and desist any further communication but XXXX XXXX decided to say pay your bills and hung up on me. I called back to verify she heard my cease and desist and she said yes, she did and to pay my bills. Thankfully calls are recorded and I have the saved voicemails. ARS sent a notice of the debt on XX/XX/22 AFTER my cease and desist. Unacceptable behavior by XXXX XXXX and ARS!!!