23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Rushmore Loan Servicing appears to be RED LINING for the XXXX XXXX, Florida and XXXX area. We believe that the servicer has a high very percentage denying loan modifications for the XXXX part of XXXX Florida and should be investigated by the Florida Financial Regulator as well as other agencies. The company ( Rushmore ) will always find an excuse to deny ANY LOAN MODIFICATION for the XXXX part of XXXX, Florida. We have come across other homeowners in the same situation where Rushmore have denied the loan modification. 

In this particular case Rushmore have denied the loan modification request claiming that a complete loan modification package was not received within the Florida guidelines, which is 7 days prior to the schedule sale date. The company have denied the request in bad faith. The denial letter is dated XX/XX/2019, we spoke to a Rushmore representative on the same day and he stated that we had until Saturday to submit the rest of the additional documents needed. The initial application was submitted on XX/XX/2019, and the servicer called very next day to request additional document which were furnished on XX/XX/2019. See attached herein. Per Treasury guidelines a servicer must provide a letter to the homeowner requesting additional document and allowing 30 days for the homeowner to comply. This is not what transpired, instead a representative called the next day after receiving our request and giving just three days to comply on which we did and it was denied anyways. Servicer could not be more hypocritical for lack of better words. This company has engaged in Floridas deceptive business practices and should be investigated by the Florida Attorney General. 

The Consumer Financial Protection Bureau should notice that on the same day the letter is dated, the servicer spoke to us and requested additional documents giving until Saturday to provide on which we did. See attached proof herein. The servicer is acting bad faith. 

All loss mitigation process or protocol are subject to the Treasury guidelines. The Servicer is correct in that a loss mitigation package must be sent within the seven day before a  schedule sale date, see MHA Handbook 3.3. However, our property has a sale date of XX/XX/2019, and if you can count days we are beyond the seven day mark therefore within the guidelines to be considered for a loan modification review.
Product: Credit reporting or other personal consumer reports

My daughter and I were in a car accident. The person that was at fault insurance paid for the doctor bills. I received a bill stating it had not been paid. I then emailed the creditor & called on many occasions with no response. 

I sent proof of payment ( the check ) I sent a copy of the check that was sent & deposited by the hospital. Still NO response. I then had all the documents sent VIA certified mail. I had copies of all correspondence. and sent a copy of the check. They then called me & I told them I had sent all the information over and over. I then sent all the same documentation to the credit people. this is still on my credit report. I cant understand how this is still on my credit report after sending proof of payment. The wreck was in XXXX XXXX and the bill was paid in full on XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed I had late payments on my XXXX XXXX XXXX XXXX after reviewing my credit report for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is not correct.
Product: Debt collection

This company continues to call and leave messages after I 've told them I do n't have the money. Calls my job anonymous after told not to call me at work also made a in person at my job on   XXXX   XXXX   XXXX
Product: Debt collection

I buy houses/ own in XXXX, rent / rent rooms to several independently people. I reside in XXXX XXXX and I became aware of a Notice of XXXX XXXX. I followed up to check my credit and found several credit cards in my name and at XXXX point being paid, late, and now in collections. I disputed the claims and requested the credit agencies in Accordance to the FDCPA pursuant to 15 USC 1692g for proof of debt from credit cards. The company only provided me with late last XXXX  months of Credit Statements ( I dont recognize ) and nothing more. I requested to provide the XXXX XXXX with date, address, interest, and bearing my signature. They have failed to provide the XXXX Credit Card XXXX.
Product: Credit reporting or other personal consumer reports

In my review of the credit report, I found some erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus must verify these accounts. Reporting unverified information without evidence within the legal timeframe is prohibited. Kindly investigate and correct the errors for the following accounts listed on my credit report : XXXX 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: Debt collection

XX/XX/2020, National Credit Ajusters LLC reported to the 3 credit reporting agencies that I owe a debt of {$1600.00}. I responded to the 3 credit reporting agencies online with a 609 dispute letter. 30 days later I received an email by XXXX  that National Credit Ajustersdebt will remain without validation of the debt AS I REQUESTED. I have yet to get any response from National Credit Ajusters LLC. I want to see the original contract with my signature on it or and validation proof.
Product: Debt collection

Nationstar Mortgage, debt collector, sent me an " ABANDONMENT OF ACCELERATION '' on XXXX XXXX, XXXX. However, XXXX agent foreclosed on the property on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, Instrument XXXX was recored and executed in the XXXX XXXX Real Property records. 


CAN ACCELERATION BE ABANDONED AFTER THE FORECLOSURE SALE IS COMPLETED?
Product: Credit reporting or other personal consumer reports

this is a formal complaint in regards to a charged off/ Writing off accounts from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX inaccurately reporting on my credit report, I have filed disputes with Experian, XXXX and XXXX and they failed to resolve the matter, ACCORDING to15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 
15 U.S. Code 1681s2 ( A ) XXXX XXXX XXXX  A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures.
Product: Credit reporting or other personal consumer reports

I have sent many disputes and need this account by XXXX and LVNV Funding removed from all reporting agencies. My previous dispute letters and other documentation are in the attachments.
Product: Credit reporting or other personal consumer reports

Multiple inquiries are on my report that I do not recognize or authorize. The inquiries does not belong to me Personify- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, My financial institution and Zelle failed to investigate my claims adequately. They informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I am getting repeated calls ( XXXX a day ) from Citi Bank over a credit card debt I owe that I am unable to pay at the moment. I have told them to take me off of the calling list and do not call anymore, but they continue to do so.
Product: Mortgage

I reached out to Bank of America on XX/XX/XXXX about deleting the escrow payment on my mortgage. That had misestimated payments for the year, and as a result, doubled my monthly escrow payment ( for property tax and insurance ) from {$800.00} to {$1600.00} per month. I requested to cancel, but they said that would not be possible because there was a escrow disbursement scheduled within 60 days. They told me to call back in XXXX once the disbursement had been made. 

I called back in on XX/XX/XXXX to again, delete my escrow account. They said the money had not been disbursed yet ( when it could have, and should have been disbursed at the beginning of the month ). Bank of America said I would have to call back to once the escrow payment was disbursed. 

I now called back on XX/XX/XXXX, and again, they have to file paperwork to escalate it internally, and said it would be approved or unapproved by XX/XX/XXXX. Which means I will be within 60 days of another disbursement, which means I won't be able to delete my escrow account. 

This is predatory business practices. Bank of America puts the 60 day rule in the escrow contract, fully knowing they will not make a good faith effort to delete escrow accounts, because it does not benefit them. Bank of America distributes the funds later in the month, implements a three week long approval process, so that the window to delete your escrow payment is so short, it's impossible to cancel this payment. 

There is also no contact number for the escrow department, which is convenient for Bank of America because if you can't reach the people who determine the outcome, there is no way to resolve the problem. 

Escrow is something I opted into out of convenience, only to later find out it's virtually impossible to cancel. It's wrong, it's no way to treat people, and I couldn't be more disappointed in how Bank of America treats their customers.
Product: Credit card

I feel that they are over charging on their late fees. 
They have this on my billing statement ... ..... 
If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to {$41.00}. 
If you make only the minimum payment each period, you will pay more in interest and it will take longer to pay off your balance.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$11.00} XXXX XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$400.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Date XX/XX/year> To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : Name And Addresses XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, XXXX XXXX
Product: Debt collection

In early XXXX of XXXX, I checked my credit score, which I do monthly. I noticed a sharp decrease in my rating and decided to look into the issue further. My credit report listed a collection from a company called Cedar Business Services , LLC. I called Cedar Business Services and they told me a debt was opened with XXXX XXXX and they are collecting on their behalf. The debt was approximately {$750.00}. They told me the debt was opened up under XXXX XXXX using my SSN. My name is XXXX XXXX. Cedar Business Services told me they would obtain documentation on the debt from XXXX so that I can file a police report for identity theft. Despite multiple calls to Cedar Business Services, I still do not have the documentation of the debt. This identity theft on my credit report is materially impacting my credit score. Please look into this.
Product: Credit reporting or other personal consumer reports

Sent and called about account to verify be of Two accounts being reported from this company under XXXX XXXX XXXX XXXX XXXX XXXX ) That was settled XX/XX/2024 by still reporting under the account number w/ Derogatory remarks with late payments
Product: Checking or savings account

WHERE IS MY DIRECT DEPOSITED SALARY of {$2900.00} TODAY, Friday, XXXX? 
Today, I did not receive my direct deposit in my Chase checking account ending on XXXX, even though my school district XXXX XXXX XXXX HAS ISSUED A PAYCHECK which indicates that my net distribution was deposited in my checking account number, ending on XXXX for the amount of XXXX. 
I have had a previous check/salary direct deposited by XXXX to my checking account on XX/XX/2023. I called customer service at Chase at XXXX at XXXX p.m to inquire about the status of my salary. I spoke with an agent, who represented himself 'CK ', AND WHO REFUSED TO PROVIDE ME WITH HIS CHASE EMPLOYEE ID, OR LAST NAME. " XXXX '' agent told me there are no money deposited into my checking account XXXX, and that XXXX has to contact the " MERCHANT ''. I ASKED WHO IS THE MERCHANT? XXXX ' DID NOT KNOW WHO! At the end, " XXXX '' stated that he has to transfer me to the supervisor, and mentioned that the MERCHANT IS XXXX PUBLIC SCHOOLS. Then I spoke with the SUPERVISOR who represented as " XXXX ''. XXXX stated that XXXX is not allowed to tell me his last name, and that is fine XXXX to be called only XXXX. XXXX stated he is not allowed to tell me his Employee ID number. XXXX checked on my direct deposit, and stated she does not see any transaction. I asked XXXX to provide with the " MERCHANT PHONE NUMBER '', and I asked XXXX if this is XXXX XXXX XXXX. XXXX gave me the phone number XXXX and stated, after I specifically asked her, XXXXTHIS IS THE MERCHANT XXXX XXXX!!! ". 
AFTER XXXX MINUTES on the phone with Chase customer Service Department, I called XXXX, thinking this is a number of XXXX XXXX. I was shocked to hear that this is the Chase Bank number ( in XXXX, FL ). I spoke with XXXX from " XXXX XXXX action '' at XXXX p.m. who asked me for my Chase checking account number in order to help me. Needless to say, XXXX did not help me, could not look my account number and became very nervous when I told him I am filing a complaint against Chase with CFPB. I ASKED XXXX " WHY CHASE CUSTOMER AGENTS ARE PASSING ME on the phone AS A BALL, FROM DEPARTMENT TO DEPARTMENT? WHY NO-ONE IS INVESTIGATING TO SEE IF MY EMPLOYER DID NOT SEND THE MONEY, OR SOMEONE FROM CHASE HAS STOLLEN MY SALARY, IN SOME WAY? 
I found all of the above very disturbing, disrespectful, disregarding and negligent! 
When a customer complaints of missing her hard-worked two weeks salary of {$2900.00}, it is the responsibility of all Chase agents to investigate what is going on, and file a complaint on the behalf of their client. 
Therefore, the aforementioned Chase Bank agents clearly lack the skills and knowledge- on the opposite, I wonder why do they work there if they did not know what to do in my case. How could I trust Chase Bank which records does not have any update or ways to trace if my employer has sent my salary. Or IF ANYONE FROM CHASE HAS DIRECTED MY SALARY SOMEWHERE ELSE! " We do not see the deposit '' - is the answer of the Chase customer service agents. SO... .investigate!... WHERE IS MY SALARY?
Product: Debt collection

I finance my car through bridgecrest. They continue to call before XXXX. I have told them several times I have relocated.I still recieve phone calls at XXXX .They also leave several voice mails a day.
Product: Money transfer, virtual currency, or money service

I just woke up earlier having an email from paypal saying that i can no longer use my account without any sign just like that How can they ban active account without any reason or being warned. 

Ref ID- XXXX
Product: Debt collection

midland credit management has been attempt to collect false debts accrued by XXXXXXXX XXXX has been contacting me directly attempting to collect debts from purchases never made by me, nor by credit accounts found on my credit reports.
Product: Debt collection

CMRE Financial Services , INC. at XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, CA. XXXX has been sending me multiple collection notices in the amounts of {$620.00}, {$590.00}, {$480.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company dose not have a contract with my signature have not been able to present anything of the sort upon my request.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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. 

iamnot liable for this debt i do not have a contract with them or a open account They did not provide me with the orignal contract as requested i demand this be removed Transunion XXXX XXXX claims they verfied the information but have not provided me with and documentation
Product: Student loan

My application for Public Service Loan Forgiveness was recently denied. I learned that the reason was because XXXX XXXX refused to count my XX/XX/2018 payments because I was supposedly in past due status. Upon investigation, I learned the following : In XX/XX/2018, XXXX XXXX kicked one of my student loans out of auto debit, which I had not requested. When I learned that this loan was kicked out of auto debit, I began paying that amount each month until I could get it back on auto debit. Rather than applying that to the amount due, they instead applied the extra payment evenly across all loans, pushing that one loan into past due status and all of my other loans into paid ahead status. 

I did not know that this happened and could not figure out why the XXXX XXXX website continued to alternately tell me that I was paid ahead and past due, sometimes giving me both messages in the same day. 

I called several times in XX/XX/XXXX and XX/XX/2018 to resolve this. The customer service reps informed me that I was paying the correct amount, and that there was nothing past due on my account. 

When I applied for Public Service Loan Forgiveness, I learned about the misapplied payment. I have requested that they reapply the payments to take care of the discrepancy, since I have now made a variety of extra payments to try to resolve this discrepancy. One of the customer service reps informed me that it would take 10 days to reapply the payments and that at that time I could request re-evaluation of my Application for Forgiveness. However, it has been weeks now, and they still have not resolved it. I have had to continue making payments during this time. Another customer service representative informed me that they are unable to give me an accounting of how my payments have applied and that I have to cite the exact excluded payments that I want to appeal. That is hard to do absent that type of accounting that shows which payments counted and which did not. 

Please assist me in resolving this matter. I greatly appreciate your help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b XXXX insurance c XXXX employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes and were not authorize by me or anyone associated to me : The following inquiry needs to be removed immediately : Coaf Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX CXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXnquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Auto Fin Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Auto Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

These are fraud and should be removed immediately, when something like this happens all at once you should know something is wrong.