23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was sold from XXXXXXXX XXXX XXXX to Carrington to which I was never informed, never sent any notices regarding changes to my loan and payments. I sent payments to XXXXXXXX XXXX XXXXXXXX and after 4 months I was finally told my payments were not being applied as my loan was no longer with XXXX XXXX  XXXX. I can not find any assignment recorded showing the loan was transferred yet Carrington claims now to be the servicer of the loan. When I reached out to Carrington they told me to submit documents which I did, during the time I was submitting documents and being reviewed for loss mitigation options, they proceed to file the Notice of Default and Notice of Trustee sale on my property despite that I was in an active loan modification review with them. Now I am facing a foreclosure on XX/XX/2018 and they denied me even though I have the income to make my payments and fully intend to keep my home at all costs. I was never assigned a single point of contact nor did Carrington ever attempt to reach out to me to offer assistance, I had to call them once I found out they were even my lender. My HBOR have been violated and I fully intend to seek legal action.
Product: Mortgage

I would like to file a complaint against Rushmore LLC. I believe Rushmore LLC did not follow our government instruction/regulations on VA loan modification for the following reason. 

Rushmore is my VA lender of XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I am solo on this loan. 

1 ) Rushmore LLC illegally modified my VA loan with XXXX XXXX XXXX XXXX. She was not on my VA existing Mortgage loan. 
I am solo on this VA loan and This VA loan is only for Veteran and XXXX XXXX. XXXX XXXX XXXX XXXX is not an XXXX XXXX and she is not a veteran. We are not married. 

3 ) this is my solo VA loan. It is mine. it is not hers. How in the world Rushmore is allowed to modify my solo VA loan with XXXX XXXX XXXX XXXX? 

4 ) Rushmore cancelled my property/house insurance without my permission. Accident is unforeseen event. 
That is why we are required to have house insurance in order to get loan approved. When I asked them, they ignored me. 

XXXX ) On XX/XX/2022 I was informed XXXX XXXX XXXX closed on a mortgage. My VA loan would be paid off on that same day. I also was informed that XXXX had provided all of the payoff information that XXXX XXXX XXXX needed. There was no required my present in person at closing office. Therefore, I did not show up. 

5 ) However, On XXXX XXXX XXXX  I was informed that my VA loan on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have not paid off as promised. about a week prior to closing date, The closing title agent, XXXX XXXX called me. He introduced himself that he is a title agent. Then he briefed to me that all he needed from me was my Quit claim Deed. So I did the Quit claim Deed then my divorce attorney sent it as demanded on the closing date XX/XX/2022. 

So how in the world my VA mortgage loan is not paid off and I am still responsible for it???? 

In Summary, due to Rushmore did not provide customers service at the minim answer the client emails. they ignored my emails and voicemails as a result they indirectly put me into deeper financial hardship. For instance, I had no choice and hired a mortgage lawyer to get the answers from Rushmore LLC. I hired XXXX XXXX XXXX because he introduced himself as he is owner of 2 law firms. One locates in NY and one locates in XXXX XXXX, FL. He promised that his company would find out the answers. but It costed me {$2000.00} per month. 

See!!!! if Rushmore services properly worked with me as adverted on their website. I would not have to pay XXXX XXXX XXXX {$2000.00} per month to get the answers. Due to my VA loan was not paid off as promised, I could not get approval for any loan. I did not meet debt radio. I ended up in deeper financial harder ship. Lawyer feed added into my plate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved I to XXXX XXXX XXXX XXXXXXXX XXXX the beginning of XX/XX/XXXX. I vacated the apartment XX/XX/XXXX. I left when I did to prevent any additional charges from being accumulated regarding my lease. I purposely contacted the management office when they requested my next address to clarify billing and made it clear they have no reason to keep in touch following my moving. Rather than showing any semblance of decency I received not only an attempt via email from the apartment complex attempting to collect additional funds from me erroneously, but also an electric bill for charges not incurred by me. They have since escalated this matter by contacting an additional company to collect an amount from me that isn't my responsibility. The company name is National Credit Systems , Inc . I have no outstanding balance with either company nor do I appreciate being contacted by either. The entirety of my lease the management office was made aware of numerous, consistent, and recurring unauthorized entries into my rental space. They had awareness of this and should be investigated as their property and those wandering around, in, and through it are a nuisance to civilians and neighborhoods. 
Following receipt of a nonrenewal notice and as I was preparing to move the maintenance personnel took it upon themselves to further antagonize and approach me outside. One of the two individuals stated that they were going to take all of my belongings again and made pointed reference to my aerial equipment. I was further stalked at the airport. This behavior then continued across country borders. This is a purposeful and targeted attack. Not only is this not tolerated, but also unacceptable. Furthermore, my personal account was drained by incurring a variety of fraudulent charges over a period of a few days all over the US. These charges were later shown to be posted to the account the day before I vacated the apartment space and the few days following.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint is about Experian and how EXCRUTIATING ( and to date impossible ) it is to get human help to resolve a critical active fraud situation. 

XX/XX/2022 : received email via credit monitoring service ( NOT Experian ) that fraud activity was taking place - someone actively applying for and obtaining credit fraudulently ( XXXX  XXXX, XXXX XXXX, Bank XXXX XXXX,... ) I am in process of moving residency from USA to XXXX- so on-line and IMMEDIATE access to help is VITAL. 

XX/XX/2022 : Was able to SUCCESSFULLY and EASILY place credit record freezes via on-line with XXXX and XXXX. This helped to get attempted fraud activity somewhat under control. Experian on-line system refused to authenticate me and I could NOT place freeze on credit info NOR a fraud alert (! ). Experian insists I mail in information- which is useless for immediate action. Experian phone lines/trees will only provide automated/useless help, and no ability to access a human agency regardless of any options chosen ( including XXXX ', " # ', ... ). 

XX/XX/2022 : Discovered that I could place a fraud alert via XXXX, which then took XXXX hours to propagate to Experian. 

XX/XX/2022 : On-line Experian still refuses to authenticate and allow freeze to be place. At least the XXXX initiated fraud alert now shows up on Experian. Tried multiple phone numbers for Experian ( XXXX, XXXX,... ) and ALL result in useless automated phone trees with NO ABILITY to transfer to human agency. ( See clark.com too for helpful suggestions on how to contact a human ). 

XX/XX/2022 : Also, as part of XXXX settlement ( XXXX ID XXXX ), tried to activate the free credit XXXX monitoring service implemented through Experian. This refused to authenticate too (! ), and could not be used in an attempt to freeze my credit info - calling XXXX resulted in human contact, but they were unable to help at all and needed me to wait 3 days (!! ) before a manual verification process could be used to activate account. 

Experian in general has set up their phone trees and their web site to STRONGLY PUSH their UNNECESSARY subscription services, and to hinder any possible activities on the part of someone to quickly and effectively clamp down on an active credit fraud situation. Creating an Experian user account on-line does NOTHING to help implement a credit freeze or to initiate a fraud alert rapidly- this can be accomplished WITHOUT creating an Experian user account ; the account appears to be simply another means for Experian to market their IMO unnecessary subscription services. 

I have had to call XXXX XXXXXXXXl XXXX, Bank XXXX XXXX, XXXX ( and likely others soon too ) because of the delay in being able to implement a simple on-line freeze of my credit information on Experian.
Product: Credit card or prepaid card

XXXX   XXXX   XXXX   XXXX   XXXX  Synchrony Bank will not post my correct balance and payment history to the  XXXX  reporting agencies   XXXX   XXXX   and  XXXX      they keep reporting I have maxed out my card and not show my correct balance I was forced to pay off my account and close my account I need for them to post my good payment history and my balance paid off and closed
Product: Debt collection

I used XXXX Gas and Electricity for my power services and cancelled the services in XX/XX/XXXX since I was moving back to XXXX XXXX from XXXX. I notified XXXX that I will no longer reside at this address and they got my updated info to keep in contact for the final bill. Fast forward to XX/XX/XXXX and I received a notification from XXXX that my credit score has dropped a whole rating due to a collection notice from XXXX XXXX XXXX XXXX XXXX XXXX never sent me a final bill nor reached out to collect payments before sending me to collection. Not only did they do this in the middle of a pandemic but no matter what number I call I am not able to speak to a live person since I don't have an active account anymore. I have cleared the debt same day and the collection agency has received my payment. I need XXXX and the collection agency to remove the inquiry and restore my credit as this was all done illegally and was meant to destroy what I spent years to build over {$110.00} in the middle of a pandemic!
Product: Debt collection

After many attempts, I went to court, explain my situation. They continue to harass me after that they sent letters to my old residence, and I did not find out until the day I was supposed to get paid that they had garnish my wages I had to go to my old residence to pick up any remaining mail, which then I found that they went to court to garnish my wages.
Product: Debt collection

Hello on XX/XX/2016 i field a complain with cfpb # XXXX it stated " have a credit card from chevron we tried to cancel 3 months ago because one of our employees stole the rep we called didnt do it last week we got an email that we made a payment for XXXX which we didnt but it hit our account and cost us XXXX know there calling us about this payment which they posted with out our permission nothing was done today and with out notice the have us reported on all 3 credit burues that we owe XXXX dollars we dont owe this and they where informed that this card and others where stolen 4 4 years ago
Product: Credit card or prepaid card

I already called several time and wrote a letter for Citibank about this issue but they still refuse to give me a credit. On XX/XX/2021, the merchant : XXXX XXXX XXXX in XXXX charge me for a service that I did not authorized. So, I went back to XXXX personally to clarify this matter and the merchant informed me that this was a mistake on their part. Unfortunately, they told me they don't issue credit there, and that to ask my bank for the credit and their bank at their end will take care of it as well. However, until now, Citibank has refused to issue me a credit of {$920.00}. I already fax my letter explaining what happened. Everytime I called citibank, I was told that it will be handled accordingly, but until now, I am still waiting for my credit of {$920.00}. 
I have been a loyal customer with Citybank for over 10 years, and I pay my bills in full on time. 
Please help me get resolution on this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report today and can't understand the reason. While routinely checking my report, I noticed these unexplained discrepancies. I tried refreshing my browser, thinking it might be a glitch, but the inquiries persisted. Consequently, I am requesting a detailed review of my submitted documents to ensure this issue is permanently resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I moved out of an apartment complex that was owned by XXXX XXXX paid my amount due, did a video-recorded walk-through with the property manager ( everything was A-O.K.! ), turned in my keys, gave my forwarding information ( with my same telephone number they've always had ) and left. Many months later, in late XXXX, TWO collection accounts, both from National Credit Systems but for 2 different amounts, were placed on my credit report unbeknownst to me. No contact was made with me via mail nor phone re : any outstanding debts to XXXX  nor National Credit Systems, because THERE WAS NO AMOUNT DUE! In addition, upon first moving into the apartment, I purchased a non-refundable surety bond so that I wouldn't have to worry about any outstanding fees or awaiting a security deposit refund much later after my move-out. The company cashed in the surety bond AND STILL put fraudulent and erroneous collection accounts on my credit profile! When I called to discuss the 100 % fraudulent charges, the rep kept repeating that she did not work for the property management company, so I would have to pay. She wanted nothing to do with resolving the fraudulent charges. In addition, XXXX has since sold the property to another company, so no one from XXXX nor National Credit Systems can speak to me about why these trumped-up charges are being steadily fraudulently verified as accurate on my credit report although I have always paid my rent in full every month and also paid in full upon my move-out with no damages or past-due amounts noted at that time nor a later date.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and I don't have ownership of a account with XXXX XXXX XXXX XXXX XXXX nor do I have a collection with XXXX XXXX XXXX. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.15 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. I demand this account to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Someone tried to open a line of credit in my name with XXXX XXXX XXXX and was denied. I did not try to open any new lines of credit. The person that tried to get the line of credit also changed who I'm employed with on my credit. That was according to the XXXX XXXX report that I ran. I have made a police report with the XXXX County Sheriffs Office and am waiting on the report to submit to XXXX XXXX XXXX. I would like the hard hit on my cred report removed being that I did not ask for my credit to be ran. 
Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in Cushman v TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " XXXX  '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The available beginning balance of {$9500.00} stayed in my account no withdrawal until XX/XX/XXXX. The card was requested without my consent to an unknown address on or around XX/XX/XXXX is what I was told on or around XX/XX/XXXX by your customer service. The procedure that Ihad to do was send in my identification to change the address on XX/XX/XXXX XXXX. What I see is a violation on the consumer liability laws .My account was compromised by an individual who requested a Debit card to be mailed to them with an unknown address they have no record according to the customer service when we spoke on numerous dates .The theft never sent in any personal identification I was told. I would not have access to any statements if this is where my statements would be sent.The total amount taken is {$36000.00}. This law should exclude myself from any unauthorized transaction which I wouldn't report in time this frame. I been asked to summit a second unauthorized transactions request for reimbursement. The first request did not contain the documentation of the police report and knowledge of where the card was sent. I had an instant fraud alert which should allow me to re-submit my request to the Relia Card which is associated with US Bank.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on credit report its says XXXX XXXX XXXX which I have never lived or been associated with at all I lived in the apartments next door XXXX XXXX and they refuse to answer anything or delete it my next step I will be pursuing legal action if this is not removed within 30 days
Product: Credit reporting or other personal consumer reports

Prior rental payment is still being reported on my credit even after I've fully paid the balance. This information is still reporting on my Equifax Credit report and is preventing my daughter and I to approve for housing.
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 XXXXXXXX has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to XXXX by XXXX XXXX and 1 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$870.00} written off. {$870.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$870.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Dispute XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$8000.00} Date OpenedXX/XX/XXXX Dispute XXXX   XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$8800.00} written off. 
Account TypeNote Loan Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeUnsecured Balance reporting wrong address and accounts
Product: Bank account or service

I bank with Fifth Third Bank in XXXX Ohio. I have a business checking, personal checking, savings, and XXXX investment accounts with them. 
I deposited a business check from a customer out of state that I have deposited XXXX checks in the past two and a half years without any problems with regard to XXXX. 
I have not deposited a bad check since opening my account with Fifth Third in XXXX. 
The check was deposited on XXXX XXXX, XXXX and cleared by the bank that it was drawn on on XXXX XXXX, XXXX. 
Funds were withheld from my use until XXXX XXXX, XXXX. 

It 's obvious to me that Fifth Third Bank has the use of MY money from XXXX XXXX to XXXX XXXX, XXXX and therefore making money off of my money without compensating me. 
Is this practice one that is condoned by CFPB?
Product: Credit card

I transferred part of TD Bank balance to XXXX credit card, the transaction date was on XXXX/XXXX/15 however my TD card did n't reflecting the transferred amount on my balance until the time i wrote this message, i contacted them several times, they keep telling me that the trans action may take several weeks to be processed, i think there is no justification on what they are trying to do other than charging me as much as they can on amounts i awe them and it is a good example of unfair treatment from big organization toward a little consumer.