23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Based on my discovery, XXXX XXXX, XXXX has accepted and executed an unlawful mortgage assignment from Rushmore Loan Management Services. These deceptive, fraudulent, unlawful assignments are without merit due to my understanding that XXXX XXXX XXXX XXXX ( being represented by XXXX XXXX XXXX, XXXX ) were the CURRENT unauthorized servicer 's for XXXX XXXX XXXX XXXX who in fact conducted an assignment using Rushmore without proper POA that went unrecorded and the notaries were executed fraudulently ( See Attachments ). Ref. Page1 : XXXX XXXX XXXX XXXX & Rushmore Loan Management Services, LLC conducted, organized, and transferred an unrecorded assignment with Rushmore not having POA to do so. Rushmore was not authorized to do so until XX/XX/XXXX. The original lender closed its doors XX/XX/XXXX and never authorized MERS, XXXX XXXX XXXX XXXX nor Rushmore to accept, hold nor transfer an assignment. In fact the assignment that was transferred is the first note and all of these assignments recorded and unrecorded are based off of the second note which is FRAUD. XXXX XXXX misrepresented both XXXX XXXX XXXX XXXX & Rushmore.  The original lender NEVER demanded payment for the second note. The second note never was assigned it was in fact the first note that was unlawfully transferred by ALL parties. Ref Page2 : The assignment transfers were unlawfully notarized and the loan number was used for Rushmore & XXXX XXXX XXXX XXXX. XXXX XXXX unlawfully notarized documents on the behalf of Rushmore Loan Services, LLC who is no were to be found. Page3 : Rushmore unlawfully transferred its servicing rights to SLS however, Rushmore without the proper authorization transferred ownership to XXXX. From my understanding XXXX XXXX XXXX XXXX was the current owner of the fraudulent note that was transferred from MERS as grantor on my deed. Page4 : XXXX XXXX XXXX XXXX confirms ownership that was fraudulently transferred by XXXX  and authorized XXXX to be its servicer. REF Page6 : XXXX XXXX XXXX XXXX and Rushmore confirms that the relationship of mortgage assignments were fraudulently conducted due to Rushmore was executing mortgage assignments BEFORE they had XXXX to do so ( See attachment Page # 1 ). I never surrendered my property. REF Page7 : Rushmore Loan Management Services, LLC unlawfully executed an unrecorded assignment informing me that XXXX   XXXX, XXXX is the current owner. Confusingly, from my discovery XXXX XXXX XXXX XXXX was the owner, XXXX was the servicer and XXXX and XXXX, XXXX represented XXXX. However, due to unfair, unlawful business practices by ALL parties I am left with a " clouded deed '' with no clear understanding of how to stop these unlawful unrecorded transactions that were never authorized by the original lender. Ref Page 8 : Rushmore Loan Services, LLC deliberately mailed this document to a residence where I do not live. Rushmore tried to forward this document so I could not follow the trail of unlawful assignments. Rushmore and all affiliates are well aware of my current address.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding ongoing issues with the accuracy of my credit reports and the investigation processes of all three major credit bureaus : Equifax, XXXX, and XXXX. My complaint pertains to the following matters : My credit reports reflect debts that do not belong to me. These debts appear to have been added erroneously or fraudulently, and despite my efforts to dispute them, the bureaus have not resolved the matter appropriately. credit reports contain inaccuracies such as incorrect addresses and name variations. These errors create confusion and raise concerns about potential identity theft or data mishandling. suspect that some of the invalid debts and incorrect information may result from identity theft. I have taken steps to address this issue, including filing a report with the Federal Trade Commission ( FTC ), but the credit bureaus have not provided adequate resolution.My credit reports show random soft inquiries and other activity for which I have not provided consent. While soft inquiries may not affect my credit score, their presence without my authorization is troubling and warrants investigation. have submitted disputes to all three credit bureaus with supporting documentation, yet the responses have been inconsistent, and in some cases, the issues remain unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to Experian regarding one of the fraudulent info on my credit report and they are not deleting
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax cyberattack. " Based on the information provided, we believe that your personal information may have been impacted by this incident ''
Product: Checking or savings account

I need help with my account. I've been trying to get a hold of someone and get it figured out since Friday morning. I can't get a response on the app or via email. This is regarding my acct : XXXX XXXX. Email is : XXXX. Chime tag : $ XXXX XXXX I have an open support request ticket on the app and that number is : XXXX. Social Security Administration released my XXXX payment to Chime on Friday XXXX and it's no where to be found. The XXXX person I was able to get a hold of briefly just told me that you don't have it yet, you don't hold deposits, etc.. All the stock, default messages. I sent the proof of the payment being released to Chime also and verified with Social Security Administration that the routing and account numbers were correct. I'm just over the top stressed and in tears over this, as that's my only income and my bills are late, I had to cancel an important meeting regarding my late mother 's estate, due to not having any funds.
Product: Checking or savings account

Another customers check was mistakenly taking from my account in the amount of {$330.00}. and the bank wants me to wait 5 -10 business days for them to put the money back into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

I got this company named XXXX XXXX XXXX called to my son from the phone number XXXX and told him that they have a legal case against him. He got nervous and tried to get some information then they noticed that they called the wrong person. They provided with the case number XXXX to him to ask me to call them back. 

I called and they said that they have a summons to serve me because I'm being sued. I asked who is filing that and she said that I have fraudulent opened and some other retoric with legal terms words to tell me that I commit a federal fraud. Of course I got scared, then asked for details and she said that was a bank account in Wells Fargo opened from XXXX to XXXX. I claimed that I ad contact the bank because 2 years ago I got same call and at the bank they have nothing. My last account was closed with XXXX balance. And the collector is asking for {$1200.00} including fees and interest. Checking my rights I found that I don't have to pay fees or interest not previuosly signed and accorded. Also this account is way out of the statute of limitations, we're talking about 9 years at least. 

When I told them about my rigths she said that this kind of lawsuit will not be protected for the Statutes of Limitations because is considered like a federal student loan and protected by federal agencies. I didn't found anything saying that. I don't know if that is true but to me they fail since they contact the wrong person telling him that they will act legally against him.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter by email requesting that Equifax investigate or delete disputed items from my credit report as well as remove these items from my report during the investigation period. I would like to point out this is a discriminatory practice. Equifax has decided to violate federal credit laws. 

As an XXXX-American I have been denied credit based on the incorrect information and the failure of the credit organization to remove the accounts. This is dead weight that has impacted heavily on my credit score. 

I have 10 closed accounts on my credit report that should have been removed ten or more year 's ago. Including a paid XXXX XXXX account from XXXX. 

Equifax refused to respond to my inquiries. Because of the failure to report accurate information I was declined a XXXX XXXX because of incorrect and inaccurate information. 

As of this date, Equifax failed to respond to my requests. 

XXXX XXXX XXXX XXXX XXXX is still investigating the matter regarding Equifax adding derogatory information after they were told to remove it. 

Equifax illegally put derogatory information on my credit report. The Under Writer from XXXX picked it up and I had to contact XXXX XXXX to alert them and let them know. XXXX XXXX executive team reached out directly to leadership at Equifax. Their behavior is totally unethical at best. 

I still to date have not received any update on any of the disputes. Nor have I received a updated credit report from Equifax. 

The XXXX XXXX XXXX contacted Equifax on XX/XX/XXXX. Equifax held the complaint for two weeks and failed to resolve the issue. Equifax incorrectly told the XXXX  XXXX XXXX they did not know nothing about me or my complaint yet we have an actual email from Equifax addressed to me. 

They refused to work with the XXXX XXXX XXXX. In addition they lied to the NYS Attorney General back in XXXX. They failed to correct or remove anything. 

The credit report was sent to CEO XXXX XXXX and President XXXX XXXX. I also sent over all of the disputed accounts XX/XX/XXXX. 

The law stipulates that Equifax must investigate within 30 days of receiving my letter and respond within 5 days of completing the investigation. They have not followed the stipulations of the law. In addition, I filed 13 disputes and they closed each one without responding or removing any of the information. 
They are beyond reproach. A data breach settlement of, {$570.00} XXXX yet the behavior continues. They do not care about consumers. They in fact are a part of the problem. 

I need to rely on an accurate and complete statement of my credit profile. They have been told multiple times to remove this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have not received a bill in the mail for the past 3 months. So I was unsure how to pay or where to send the check too. I finally called and payed over the phone. Point is I missed one payment and it was payed just late. And they put a derogatory mark on my credit. It knocked my credit score down almost 100 points! Which is ridiculous. Ive always paid on time and have had excellent credit up until this point.
Product: Checking or savings account

I am writing to file a complaint against XXXX XXXX XXXX regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions since XXXX.
Product: Checking or savings account

Had a charge I did not make called to tell them because the charge took money that I need for my XXXX  they immediately canceled my card which I said no because I need it to get my insulin didn't matter I am home bound I can't get to the bank my care giver does this. I need my insulin now the representative 3 of them did not care instead accusing my care giver of making the transaction. Hung up on me after asking for a manager
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times, sometimes multiple times in XXXX day, and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible. They also had stated that tracking these transactions in detail was not feasible. The fact that they are working with major banks and supposedly do not have the availability to track transactions, or recover monies is a serious issue, and suspicious to say the least. I have called multiple times just to check transaction history and they apparently have no way of getting that to their consumer. The XXXX XXXX findings indicate that Zelle has not only neglected to protect its many users but has also allowed repeat offenders top exploit the system. This has left users like myself open to scams and loss of funds. The convenience of using Zelle directly in most banking apps is what attracted me to use it ; but is the convenience worth opening ones finances up to insecure transactions? The lack of accountability and transparency for a platform/service that is so widely used in unacceptable and alarming. It raises concern for consumer safety and security.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX was unable to report the loan status as paid off since XX/XX/XXXX. In XXXX they instructed me to file a dispute, which I did with Experian. The resolution of that dispute was that Experian removed the entire account from my credit report, which lowered my credit score because all of the history was lost. Experian says they did this because XXXX XXXX XXXX did not respond to the dispute. 

I have contacted Experian several times by calling XXXX regarding the dispute # XXXX and am still being told that XXXX XXXX XXXX has not submitted the information to them. The information is showing with XXXX and XXXX. 

XXXX XXXX XXXX continues to tell me they have submitted the information to Experian, Again, this account was paid off XX/XX/XXXX and needs to be showing on my Experian credit history.
Product: Debt collection

I am filing this complaint regarding Halstead Financial Services and XXXX, which has been attempting to collect a debt that does not belong to me. Over the past two years, Halstead Financial has persistently contacted me, despite the fact that this debt does not appear on my credit report and is not associated with me in any way. I have made multiple attempts to dispute the debt, yet they continue to pursue collection efforts. 

They have been sending all communications to my secondary email address : XXXX. I have received numerous emails from XXXX XXXX regarding this erroneous debt on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This ongoing and relentless communication, despite my disputes, has caused significant stress and frustration. I will be attaching all correspondence related to this issue for review. I request that this company cease all contact and take immediate corrective action to stop their collection attempts on this non-existent debt.
Product: Credit reporting, credit repair services, 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I purchased furniture at Raymour & Flanigan on XX/XX/XXXX that had a Deferred Interest for 12 months. They refer to this as Plan 1. I set up an autopay monthly that was to clear the entire payment on XX/XX/XXXX. I paid the entire amount of this purchase on XX/XX/XXXX with a payment of {$410.00}. 

I made XXXX more purchases on XX/XX/XXXX and XXXX, XXXX similarly with Deferred Interest arrangement. These are Plan 2 and Plan 3. I setup an autopay for it for {$400.00} per month with the first payment of {$400.00} on XX/XX/XXXX. 

However, the statement closing XX/XX/XXXX put an interest charge of {$880.00} because they applied my payment of {$410.00} which was to close the Plan 1 to Plan 2 and 3 instead. 

The only reason they are unable to reverse the finance charge is because the lady said it is already more than 60 days. I have been taking care of my spouse who was undergoing XXXX treatment over this year and have not had the time to necessarily look at all statements where I have already setup an autopay.
Product: Debt collection

Monterey Financial Services aka XXXX XXXX is reporting that I owe them 2 different amounts on my credit reports ; one in the amount of {$2200.00} that they stated was closed on XX/XX/XXXX, and one for {$4100.00} they state was closed on XX/XX/XXXX. 

The payments I made from my XXXX Account are as follows : XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$600.00} XXXX XXXX XXXX CA XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$120.00} XXXX XXXX XXXX CA XX/XX/XXXX {$92.00} XXXX XXXX XXXX CA XXXX {$100.00} XXXX XXXX XXXX CAXX/XX/XXXX {$170.00} XXXX XXXX XXXX CA XXXX {$83.00} XXXX XXXX XXXX CA XXXX XXXX did not inform me they had closed my account and opened another account. When I talked to them in XX/XX/XXXXI explained my situation. They told me I could make a balloon payment which is what I did on XX/XX/XXXX. 

Additionally, XXXX XXXX stated in my credit reports that my account ( which I never opened ) for {$4100.00} was closed on XX/XX/XXXX. XXXX XXXX called me today ( XX/XX/XXXX ) and told me they needed a payment of {$4100.00} today or they were taking legal action. When I explained to the CSR that I had filed a complaint and would copy her on the complaint, she told me that she was notating in my account that I refused to provide her with information.
Product: Credit reporting

Items attached : Equifax sent a response, but it was ignorant, to the situation, because I already knew it was paid off. I wrote th check. My complaint is that the bank charged off an account that they kept receiving money on through the whole process. That That is against South Carolina state law, because that is considered a willingness to negotiate contract.
Product: Student loan

In XXXX and XXXX of XXXX The Access Group states I defaulted on loans and turned loans over to XXXX XXXX for collection. These loans have been consolidated numerous times and I believe I am already paying on these loans and are not in default on my payments. I reached out to the Access Group for proof that these loans have not been consolidated into my current payments, they refuse to provide any proof or documentation that these loans have not been consolidated. Since I was turned over to collections I have had a negative impact on my XXXX XXXX and have been denied new loans applied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX Balance : {$450.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

I do not frequently use my savings account at Bank of America ; instead, I typically use my checking account for direct deposit and bill paying. 

I was on a student account with no minimum balance requirements in my savings account. At some point this account was switched to a savings account which required a minimum balance, but I was not informed of this change. 

I just discovered that I 've been charged $ XXXX for at least XXXX years ( my statements do n't go back further ) because of this. Bank of America refuses to refund my account for those fees despite me offering to increase the balance of my account to meet the minimum.