23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Impacted by Covid-19, we ( myself and my spouse ) asked the servicers of our loan mortgages- the Home Mortgage and the Equity Line loan for assistance. Both sent us modification applications that were completed and emailed, on the same day, XXXX XXXX.Both servicers confirmed receipt of our applications. 
XXXX XXXX XXXX, the servicer of our Home Mortgage modified our first mortgage and was kind enough to reduce our interest rate from 4.1 % to 3.123 %. We signed the modification agreement and went for the 3-month trial period. 
Rushmore Loan Management Services LLC ( RLMS ) was unresponsive but we kept a steady follow-up, insisting on a decision. After a lengthy pause, it responded in the following way : - " Dear XXXX, This message is to acknowledge the receipt of your request for assistance based on financial impact from Covid-19. Please note there is no need to contact us, We have received your application and it is under review. We will respond within 10 days. We appreciate your patience as we work to provide you with an accurate and timely response. 
Sincerely, Rushmore loan Management Services. '' Contrary to what it promised in this message, we never received any response. Ironically, when the servicer of our first loan mortgage sold that mortgage to RLMS after its modification, in the third month of the trial period, RLMS insisted on redoing its own modification. We insisted that RLMS should honor the modification terms we signed with the prior servicer. It refused. The wait time was long and costly, but we finally got a modification close to what we signed with the prior servicer. Without acting on our application, RLMS sold our two loans to Mr. Couper of Nationstar who set up a new servicing platform, and named it Rushmore Servicing.

The inaction of RLMS was discriminatory and violated the financial regulations it claimed it adhered to. At the time of our application, the interest rate on our loan was 3 %, our monthly payment was {$160.00}, and our arrears amounted to less than {$2000.00}. 
The new servicer - Rushmore Servicer- served us intent of foreclosure. To forestall the foreclosure, we applied for modification. It came up with a staggering terms of an agreement, hiking the rate of interest from 3 % at the time of our initial application in XX/XX/2121, to a interest rate of 8.650 % fixed for thirty years, raising the the prior principal balance of {$63000.00} to {$75000.00}, and capitalizing the arrears of {$12000.00}. This will result in a fixed monthly payment of {$580.00} compared to {$160.00}, we were paying when our application was under review by the previous servicer, RLMS.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into inaccurate and potentially unverifiable items listed on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. As stipulated by federal law, I request a thorough investigation and removal of these items if they can not be verified as accurate. 
Please find attached documents that support my claim. These include [ list any relevant documents such as payment records, court documents, etc. ]. 
Under the FCRA, you are required to complete the investigation within 30 days of receiving this notice and to remove any information that is found to be inaccurate or can not be verified. Please ensure all information related to these items is thoroughly investigated and corrected or removed accordingly. 
Please send me a written confirmation of the receipt of this letter, along with the outcomes of your investigation. I expect that all incorrect information will be removed, and a revised credit report will be sent to me at your earliest convenience. 
Thank you for your attention to this matter. I look forward to your prompt response. Please feel free to contact me at my phone number or email address listed above if you need further information. 
Sincerely,
Product: Payday loan, title loan, or personal loan

Notified by Navy Federal Credit Union ( NFCU ) in XX/XX/XXXX that my personal loan had matured and that I owed $ 2,000+. I replied that I would try to pay balance by end of XX/XX/XXXX.

I realized later that I should not have such a high balance since I had been making payments ( although late ) and had not been over 30 days more than twice during the life of the loan.

I went into the branch office and requested the history of my account to see why I had this high balance. The representative could not give me an answer so I requested the history of my account.

On one of the weekly collection calls I was told that the balance was the accumulation of late charges ( 40 ) and interest.

When I received a collection call yesterday, XX/XX/XXXX, I inquired about my account history request and was told credit was still working on the request as many steps are involved in retrieving the information. Also, I was told that as I had made a payment on XX/XX/XXXX the balance had dropped to $ 1,900+.

I believe this balance is late charges & interest. I want to know whether NFCU 1 ) has been charging me late charges ( {$29.00} ) every 10 days ; 2 ) whether I am charged interest on late charges ; and 3 ) whether NFCU has reported these late charges as payments past due on my credit report.
Product: Credit reporting or other personal consumer reports

The account was opened in XXXX and was charged off in XXXX. XXXX internal investigations were led for my fraud application and they confirmed that they used public records to confirm my information on the application is correct when they had the wrong phone number and email. The phone number they claim they found on public records is not my phone number and is not the same email I use and still they denied my fraud application and deemed it invalid. 
They claim that I made a payment in XXXX but I never called or made a payment. 
I never opened the account or used the account.
Product: Checking or savings account

on XX/XX/24 I received statements in the mail for XXXX checking accounts that where opened fraudulently in my name at BMO Bank. I called XX/XX/24 and was able to get account closed with customer service representative at BMO Bank named XXXX. I then proceeded to contact the Federal Trade Commission, put an alert/hold on my credit, contact the credit bureaus and follow any instructions given by the Federal Trade Commission XXXX on XX/XX/24 I received emails from BMO Bank for both checking accounts that I had closed on XX/XX/24 stating that there was a statement to be viewed and to log into my account. I called BMO customer service because I don't have an account to view the statements and I wanted to confirm the accounts had been closed and that no money had been laundered. as of the statements I received on XX/XX/24 there was no money in either account. The customer service representative said he could not disclose any info to me, would no email me or mail me the statements, and stated that he could not view the accounts and I had to call the Federal Trade Commission to get report my identity being stollen. advised I had done that I just needed to confirm the checking accounts where closed and wanted to view the statements. He still refused to help me and kept telling me the Federal Trade Comission could view the statements and I had to call them
Product: Debt collection

Someone opened up a credit card with my OLD married last name ( that I havent used since XXXX ) and let it close and go to collections. Ive told this company over and over again it was NOT me but they keep insisting it was because they were talking to me on the phone. When I mentioned thats what fraud people do, they pretend to be someone else they hung up, but still will not fix it.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting at the list of accounts below, have my violated federal Protected consumer rights to privacy and confidentiality under 15 US C 1681 these accounts : XXXX XXXX XXXX accounts number :XXXX XXXX XXXX : account number:XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 US C 1681 sections 602 states I have a right to privacy and according to 15 USC 1681 EB . They are supposed to ensure this whenever a consumer reporting agency prepare consumer report. It shall follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom report relates 15 USC 1681C section states no consumer reported agency may make any consumer reporting cons containing any of the following items of information any other advertise items of information, other than records conviction of crimes, which dates the report by more than seven years 15 USC 1681S to a one a a person should not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to be believe that the end information is an accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I noticed a drastic decline in my credit score. Upon thoroughly reviewing my Experian report, I noticed an account with XXXX XXXX reporting completely inaccurate balance information. 

The balance on the loan with XXXX XXXX is at {$0.00}. However, Experian is currently reporting the balance as {$38000.00}. 

This reporting error has caused major damages to my fico score ( 40 point drop ) due to the direct effect to my utilization. 

I sent a letter in XX/XX/XXXXrequesting this error be updated upon receiving the notice of this error. 

That letter was certified and is recorded as being received by XX/XX/XXXX 

As of today, XX/XX/XXXX this error is still being reporting as it previously was on on my profile ... in error.
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. XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 

XXXX - XXXX ( XXXX ) is showing inaccurate on my Transunion credit report.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information was exposed in a national data breach, compromising my sensitive data. Upon reviewing my credit reports, I identified accounts that I do not recognize or recall opening. I submitted a request to the Consumer Reporting Agencies ( CRAs ) for validation of these accounts ; however, the required documentation has not been provided as mandated under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ). This failure to validate the information and the presence of unverified accounts on my credit report raises significant concerns about the accuracy and security of the data being reported. To address this matter, I have filed an FTC complaint regarding the breach and the unrecognized accounts and attached supporting evidence, including my government-issued ID, a copy of the FTC complaint XXXX the National Data Breach Notification report, and a prior Validation of Debt letter.
Product: Debt collection

The balance amount is incorrect {$1300.00}. Which is not accurate!
Product: Debt collection

I am writing to address a billing concern regarding a past appointment with XXXX XXXX on XX/XX/year>. 
During this visit, I sought consultation regarding an issue related to my XXXX XXXX from a previous XXXX. This was my third visit with XXXX XXXX ; during the first visit, a procedure was performed, which was covered by my insurance. However, during my second visit, the only discussion was about repeating the same procedure at a future appointment. I would like to emphasize that no examination or treatment was conducted during this visit, which lasted approximately one minute. 
Given these circumstances, I find it difficult to understand the {$640.00} charge for this appointment, where no services were rendered. I have never had any issues with debt collection in the past and have been actively disputing this charge with my insurance, as I believe it should have been covered under my plan. Regrettably, I have not received any resolution from my insurance provider. 
In light of this situation, I kindly request a reconsideration of the bill and, if a reduction is not possible, I would be open to establishing a payment plan of {$25.00} per month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You have really gone so far in disregarding my disputes. AGAIN, this state is unbelievable! Transunion and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Transunion so the reason we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let these fraudulent accounts distress my XXXX XXXX. They should be complying with the FCRA guideline section 605b but I think they are unmindful about this matter. I have already extended my obligation by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Transunion. I have also enclosed a copy of my FTC report to them but still, they have overlooked it. I talked to the furnishers and they agreed to not report the accounts on my file but then Transunion has some internal block that they're claiming they can use to not block the accounts because they feel they're above the law. I asked them why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. They became slipshod of the FCRA law and sustained reporting this information on my Credit File deprived of Proper Validation of XXXXnvestigation. I am an identity theft victim ; my identity was used without my permission so why cant you understand that? I want you to be responsive and DELETE these items that caused me so much XXXX. 

XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX
Product: Checking or savings account

Please see the attached documents. 

Citibank advertised {$1500.00} cash bonus for a new account with a specified minimum deposit kept in the account for a specified amount of time. I have met the terms. On trying to resolve the issue, they claim that the promotion was valid for different dates, but I am attaching the flyer which clearly specify the dates during which I opened my account. 

This has been a horrible experience, taking up a lot of my time, causing stress and interfering with my usually peaceful frame of mind.
Product: Student loan

For the past few years, I have been making payments on my student loans through the IBR system. I applied for REPAYE, which would reduce my monthly payments from about {$410.00} to {$270.00}. Before starting my REPAYE payment scheme, however, they charged me a single month on a 10-year repayment plan. This was {$1600.00}. They never told me that this would happen. It completely negates the monthly cash flow advantage of switching to the REPAYE program.
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 : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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.
Product: Debt collection

Hi this Debt was paid in full early XX/XX/2017 it came off XXXX   then 3 weeks later it appeared on XXXX why?
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information birth certificate, driver 's license, and social security card was stolen on XX/XX/XXXX and I just found out on XX/XX/XXXX someone opened accounts under my personal information without my consent and without my authorization. I never authorize XXXX  XXXX, XXXX XXXX XXXX XXXX to use my personal information to open these accounts. I did not receive any money, goods, services, or any other benefit as a result of these accounts being opened. I need these accounts blocked as it is a direct result of identity theft and it does not belong to me. I filed a police report with the XXXX XXXX Police and it's an ongoing investigation, no arrest has been made. All statements are true and correct.
Product: Mortgage

i was approved for the haf program. penny mac received money on my behalf from them. i was awarded 2 months of payments. when i called them because its should i owed a payment for this month even though it had been paid from haf. so i spoke to someone in that department they informed me that 1 payment was made and the remainder money, the exact amount of my next payment was going to be takin from my principal balance and not a payment!! this makes no sense as i was awarded 2 months of payments. so i currently will be behind if that isnt applied. this is not how this program was supposed to work! applying it to principal does not help homeowners!
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. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy. 

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!
I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was reported as identity fraud and it was sold from XXXX XXXX when acct charged off to XXXX XXXX back in XXXX then I sent them my paperwork. I have tried to contact them and no action. I tried to go through the XXXX and XXXX to dispute but everytime this company states that the information is accurate. This company keeps reporting negative on my credit as a collection. The latest update was on XX/XX/XXXX. This company is till showing a balance on the collection acct for {$690.00} and also another account for {$990.00}. I have disputed this accounts at least 4 times to no avail. This account is illegally reporting this negative information on an account that is over the statue of limitations for collecting in Georgia. I have disputed this account from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found inquiries on my credit that do not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third complaint I am filing against Midland Credit Management. This company continues to report an alleged debt that I have not validated. On XX/XX/2022 Midland Credit Management and I had a court hearing. Midland failed to provide any documents proving their claim and also failed to appear in court. Due to this, the complaint was withdrawn. 

Following the complaint withdrawal, Midland continues to report this alleged debt, which they have no proof of to all credit reporting agencies. This is a violation of 15 USC 1692j ( a ). 

I have made several attempts to obtain any proof of claim from Midland Credit Management via phone and certified mail. Midland has not provided and documents.