23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX, 2019, the property associated with this mortgage was placed on the market to be sold. On XXXX XXXX, two days later, the property was placed under contract with the closing date set for XX/XX/2019. At this point, the lending agency, Rushmore, was contacted to ensure closing protocols were in place. An inquiry was made concerning the upcoming XXXX mortgage payment. We asked if the final payment that would be made upon closing would suffice in lieu of XXXX 's mortgage payment. We also asked if this would create a negative report on our credit. We were assured by Rushmore that the final payment upon closing would be acceptable and that no negative report would be made showing a missed payment. As such, a final payoff amount was requested to complete closing paperwork. However, Rushmore failed to submit the final payoff as requested by both the loan holder and the closing attorney. This resulted in a delay in payment. Upon closing, the closing attorney secured an anticipated payoff amount from the purchasing lending agency and held all funds awaiting Rushmore 's response. Numerous requests were submitted by both us ( the loan holder ) and the closing attorney. We were informed by Rushmore that the payoff amount could not be emailed nor provided over the phone. It had to be faxed, which they failed to complete. After weeks of repeated attempts, the secured payment that was being held was finally made and we were assured that any overage would be reimbursed. In addition to the delay, Rushmore, in turn, reported missed mortgage payment ( s ) causing a negative impact on our credit score. As of recent, we are still receiving notices and mail at our current address offering assistance with our missed mortgage payment ( s ). This is quite disheartening since the advanced notice was provided. We have never missed a mortgage payment. Throughout the duration of this loan, we have included additional money in attempts to repay this debt in advance. We have worked hard to maintain an upstanding credit history and feel that the reporting and current credit score does not reflect the efforts we have put forth. We have contacted Rushmore on several occasions and have been assured that our file will be noted to reflect the most accurate information. However, little effort has been made on their behalf to depict accuracy in this matter. We are requesting reparation be made to ensure our credit score to repaired to reflect our diligence towards this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The equifax hack announced in XXXX XXXX, 2017 has affected my SSN. This has been confirmed by their official website with my information. That means that due to their negligence, my personal information is out there for someone to steal and use as identity theft. The lack of transparency from equifax is unprofessional, not to mention the fact that this happened in XXXX and they wait 2 whole months before telling the public.
Product: Debt collection

I'm not familiar with is account. Did not receive any mail about this account or provide the opportunity to dispute the information. Please provide VALIDATION OF DEBT AND METHOD USE TO VALIDATE. 

Enhanced Recovery CO XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equiant in a recent communication States : Equiant Financial Services is the Payment Processor/Data Furnisher for the original creditoXXXX XXXX XXXX  XXXX XXXX Equiant did not take over ownership. This statement clearly shows that : 1. Equiant Financial Services does not own the account. 
2. Equiant Financial Services does not have a contract or business relationship with me. 
3. Equiant Financial Services did not or never contacted me regarding this reporting showing any proof that it owns the account, consent from me to report the account. 
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 an account without my written instructions. 
I know for a fact you do not have my written permission to furnish an account on my consumer reports. 
4. Equiant Financial Services is reporting the account fraudulently because, I did not and have not authorized any company or institution to use my personal information or implied for any purpose including opening an account and reporting an account fraudulently to a consumer reporting agency in the past or present. 
5. Equiant Financial Services has committed identity theft by fraudulently obtaining my name, social security number, date of birth, purposefully continue reported an account after being notified to delete the account and refused to answer request for validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband ( XXXX XXXX XXXX ) opened an account XXXX on XX/XX/2022. He registered me as an account supervisor. 
I decided to get a Capital One card on my own, so I applied for a card ( while still supervisor for my husband ). I liked the XXXX bonus miles and XXXX mi for everything, and thought it might be my go to card. 
Immediately I was rejected ( for the first time in my life and for no good reason ) AND simultaneously removed as account supervisor on my husbands card. I was removed as account supervisor, but everyone at Capital One says that I was not removed by Capital One, and can not be added back. I ( rejected the offer to just have a XXXX card on my husband 's account. 
I contacted XXXX, and to my shock on the XXXX report as having a Capital One card, XXXX with a credit limit of {$30000.00}. Actually, I have NO Capital One card. 
I sent an e-mail to XXXX XXXX XXXX AND to the Capital One credit Dept, but no response.
Product: Credit reporting or other personal consumer reports

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Product: Mortgage

Current loan company Amerihome mortgage sold my mortgage without giving me a proper notice.
Product: Debt collection

A collection company that I have not received a written notice from is still on my credit report and I have asked to receive the information about the original contract via mail and I have received no response. 

That was on XX/XX/year> that I requested it. 

They have caused a negative impact on my credit score.
Product: Credit reporting or other personal consumer reports

I accessed my Transunion account and viewed my Credit Report. I noticed that there are two credit inquiries that I do not recognize. I attempted to contact the company for each inquiry but the telephone number does not work. Both inquiries were made by the same company. Both inquiries were made on XXXX XXXX, 2023. The address of the company is XXXX XXXX XXXX. XXXX XXXX, CA. XXXX. I can provide the Credit Report inquiries if needed.
Product: Credit card or prepaid card

On XX/XX/2019 I've been charged {$920.00} and {$1500.00}. XXXX, respectfully, for two separate orders placed on XXXX for an XXXX and an XXXX  watch. Both of the orders have been picked up by me at XXXX  Retail store. Hovewer, I've decided to return them due completely within XXXX  30 Days Return policy. Two XXXX  return shipping labels have been created by XXXX   XXXX  and XXXX, respectfully, which proves that both packages have successfully arrived to XXXX  Facility in PA. And even though, the refund has been promised, it wasn't honored by XXXX  , so I've ended up disputing a charge through Chase Visa Portal with assigned case number XXXX. However, the charge has been billed back to my account.

I'm submitting the supporting documents, which proves that I've fulfilled the return via XXXX  policy but still it wasn't honored so I'm requesting a full refund to my Visa XXXX  account {$920.00} and {$1500.00}. XXXX, respectfully.
Product: Student loan

On Tuesday, XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of Bidens Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I make under the XXXX income limit and therefore am eligible for XXXX in forgiveness. Throughout the pandemic I paid almost $ XXXX in payments. 
It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, aidvantage are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 
They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart
Product: Debt collection

Hello, This account was not late in XX/XX/2022. It was paid on time. Please update in Credit bureaus.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

I sent in the tracking information to the return for pottery barn. Im still not able to call discover as it says my call cant be serviced. The only place that I cant call even though I have a credit card with them. Why is this my only way of communication with a bank Im with. For reference the tracking number is XXXX. Hopefully you all received the tracking number for XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I observed a new account on my Experian credit file under the category of collections, XXXX XXXX collecting on a {$370.00} from XXXX XXXX in relation to an auto accident I was in. This was news to me, as the last time I had seen that bill 's balance it was submitted to XXXX for payment under their auto policy claims department, and they hadn't informed me it was paid or not. I contacted XXXX XXXX. It turned out they had not engaged in improper billing procedures and billed me at an address which I did not live at. Regardless I paid the bill with XXXX in full, contingent that the report entry be removed from my credit report. The XXXX XXXX representative said she would quote " do everything she could to have it removed. '' Well, it has not been removed per our discussion, and my disputes about the improper billing procedure have been initiated with Experian. This is why I am writing to complain, because Experian has all the information they need to remove this account. They know that I did not know of its existence until it was observed on my Experian. They know that XXXX XXXX improperly submitted bills to an address that I did not live at. They know that I had an agreement for this account to be removed. They know I have not been late on any payments, EVER, and yet this account remains. I have disputed it multiple times. Each time Experian waits a day and then takes no action, and just marking the dispute as completed without removing the account. It hasn't been properly handled. It should be removed. My theory is that no one at Experian has read or understood the content of my communications, and that no one at XXXX XXXX has bothered to keep our agreement to remove after I held up my end of the bargain and paid in full. In conclusion this account should never have been in collections. If I had been billed properly at my actual address I would have known it existed, and paid it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 U.S.C. 1681 Section 602 : states I have the right to privacy. 15 U.S.C. 1681 Section 604a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under and oven end consumer credit plan as late for any purpose.
Product: Debt collection

I contacted XXXX since it was an unpaid balance with them, after updating my mailing address and phone number I made a payment of {$50.00} towards the balance because I could not afford the full balance at the time. 



When I contacted XXXX for second time, after a short period of time, I was told my account was sent to a collection agency, they were clear to dont worry about it because the collection agency would contact me via XXXX XXXX or phone call and I would have the chance to pay it before it pop-up in my credit report. Since I didnt get anything in the mail, I contacted XXXX again and they wont to provide the contact information of the agency. 



Time goes by, I did not receive a call or letter and now I checked my credit report and I realized that the account was placed in to collection agency name Southwest Credit System. As I called the collection agency, I was told that they had tried to reach out to me but turns out that XXXX gave them my old address even though I had given XXXX my P.O. Box address the last time I made my payment to them because I am in a XXXX  situation. 



My husband requested the supervisor a courtesy deletion since I was waiting for the letter in the mail and they received inaccurate information that prevented me to dispute or pay the bill before its pop-up in my credit report but they just refuse, Is a very unfair situation since as I said I am in a XXXX  situation and I need to clear this account from my credit to apply for an affordable housing. I am just asking for the fair thing, have the chance to pay it or dispute before it damages my credit.
Product: Vehicle loan or lease

On XX/XX/XXXX, I made the final payment on my auto loan for the XXXX XXXX XXXX with XXXX XXXX. I received a letter from CapitalOne around XX/XX/XXXX or XXXX stating that the truck was paid in full and that the title would be released once the payment was finalized. In small print at the bottom of the letter it says that CapitalOne would not release the lien if anything happened with the payment. Given that CapitalOne removed the lien by signing the title on XX/XX/XXXX, that clearly proves that the payment did indeed clear. 

CapitalOne then repossessed the vehicle on XX/XX/XXXX, which I did not get my title in the mail until after it was too late to get the truck as it did not arrive until the following week. By that time CapitalOne had already shipped the truck to auction, even though they can not legally sell the truck because they do no legally own it. Which is also why they have not sold it yet a month later. They have done everything they could do in order to make my life harder, just because they refuse to accept the fact that they are the only criminals here. They have been trying to get me to commit suicide with every call, refusing to answer simple questions and refusing to meet my demands for information as well as cheering the idea of me killing myself on. The amount of mental duress they have put me under is insurmountable here, all to keep from accepting responsibility for their actions. 

A demand letter was sent to CapitalOne on XX/XX/XXXX demanding immediate return of he truck or proof that the payment did not clear within XXXX business days. CapitalOne has yet to respond to that request. They sent me a letter dated XX/XX/XXXX stating that they tried to call me, yet I have no missed calls or voicemails from them. The letter asked me to contact them immediately, when I did they hung up on me multiple times and refused to answer my questions. They claimed to have left voicemails when they call as well, which was a complete lie. I have been on the phone with them for multiple hours today alone, countless hours over the past 6 months as they refuse to prove that there ever was a legitimate loan here to begin with as they have not been able to prove that I am the debtor here or where this money came from to begin with since CapitalOne can not lawfully lend credit since it has no real potential to create any, only we do. I can not borrow from myself and unless CapitalOne can prove that they funded the loan then they coudl never prove I was the debtor. Which is also proven by the title I hold in my hands as there never was a legal loan here to begin with. 

The amount of XXXX  suffering CapitalOne has created for a person like me, who is already born with with a XXXX to make my life harder than it needs to be, will not go unexcused here. Law is the law and they will abide by it if they like it or not.
Product: Mortgage

My insurance claim check which followed my New Rez mortgage was transferred to New Rez Shellpoint starting XXXX. The final check due to me XX/XX/XXXX was not sent but transferred to Shellpoint which I have received no written or electronic information on how to contact their claims check process. I called the company yesterday morning XXXX, was placed on hold for 20 minutes and hours later received an illegible voice message. I called back twice today and was put on hold upwards of 20 minutes each time after being transferred several times to unknowledgeable representatives who first told me there was no record of the funds and then that is was under a different servicer. Finally I was told the final payment of {$11000.00} would not be paid for 45 days and this is standard for new loans. ( My loan is not new - it is existing which was transferred to a renamed company ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX,, have 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: Checking or savings account

I already filed a complaint and the company responded. They blatantly lied. they did not discuss the type of account having a monthly service fee. They told me I could not get the certain account I wanted due to my credit history. I then asked multiple times if there would be a fee for having this account. I was told no there would not be a fee. It doesn't take much common sense to see these people will lie to get people to come in and open bank accounts with them as it bodes well for them within the company. I was blatantly lied to and they are blatantly lying to you as well. I was told there would be no service fees and was told the type of account I was getting would prevent me from overdrafting which is what i wanted. this company is lying. countless banking organizations from XXXX XXXXXXXX XXXX XXXX XXXX XXXX. It is not far fetched that these companies lie all the time to protect themselves and to gain as much money from their customers as possible. If nothing can be done I will be forced to go to the attorney general of my state or whom ever i need to and have them look into this. I do not like being lied about and taken advantage of.
Product: Credit reporting or other personal consumer reports

These accounts were not initiated by me, and I believe they are fraudulent. I urge you to do a thorough investigation and remove them from my credit report. I have submitted supporting documents to validate my assertion.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past XXXX years, I have been notifying your corporation that an " alleged '' " fraudulent '' " illegal '' and " erroneous '' account XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has been furnishing on my consumer report and in my consumer file. I have submitted numerous complaints, affidavits, CFPB complaints, and submitted Attorney General complaints and each time your customer service representatives come back fraudulently and erroneously " verifying '' the alleged account. Not only is the furnishing of the alleged account XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX is a violation of my right to privacy, the alleged account has caused me financial hardship and embarrassment. I have never given your corporation permissible purpose to furnish said account nor do you have my written consent to furnish said account XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX which are all violations that fall under the restrictions of the Federal Credit Reporting Act. According to Federal law, your corporation should be exercising fairness, impartiality, and respect for my right to privacy under 15 USC 1681 a ( 4 ). The illegal furnishing of this account violates my federally protected consumer rights under the FCRA. The furnishing of this account also violates the standards and regulations of METRO-2 COMPLIANCE! Attached you will find my most recent letter sent to your corporation not only informing you of your violation under the FCRA but also your lack of ability to stay in compliance to METRO-2 standards and regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  : In conjuction with previous CFPB complaints Under the law/following you are in violation : Reporting my transactions or experience ( utilization ) FCRA 15USC 1681a 2A *** *The need of MY written consent to report Anything and MY right to privacy 15 USC 1681b Permissible Purpose of Consumer Reports ( a ) ( 2 ) ******* And Damages/Defamation of character/ Negligents 1.Civil liability damages violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] My late payment, remarks, Account status etc ESPECIALLY legally should not be on my report anymore AS YOU PREVIOUSLY AGREED.nor should the details of our agreement. If you feel this is an error and the violations don't pertain to you please send me a letter in details explaining why and BACKINGit with laws that override the above i stated...