23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Im writing today to express my sincere disappointment in Rushmore Loan Management Services regarding the Deed In Lieu of Foreclosure process. I worked with a representative who was helpful and courteous, so my complaint is not with her. 
To begin, I filed Chapter XXXX bankruptcy in XX/XX/XXXX which was Discharged in XX/XX/XXXX. Since that time the mortgage on the property in question was sold by XXXX  XXXX XXXX to XXXX XXXX XXXX XXXX, then from XXXX XXXX XXXX XXXX  to XXXX XXXX XXXX and finally to Rushmore Loan Management Services. Not only did I receive collections phone calls ( after bankruptcy ) from every one of these financial institutions, but I went through agony over the last 6 years in my attempts to fully remove the propertys title from my name. 
My major complaint with Rushmore however, stems from the Deed in Lieu which proceeded as follows. 
I first received an offer on XX/XX/XXXX regarding the Deed in Lieu process. The letter stated the offer was valid for 60 days. The verbiage of the offer letter states verbatim : The best part of the program is that Rushmore Loan Management Services LLC will give you a one-time payment to assist you with relocation expenses in the amount of {$2500.00} which will be paid to you at the time the deed-in-lieu process is complete. 
I have provided a copy of this document for your review. 
As I corresponded with my representative, I was also advised I needed to complete a XXXX to receive the incentive. I was provided a copy and returned it as requested. I have also provided copies of my email correspondence to show where I was advised of the necessity of this document as well as the confirmation that it was received. 
After having my attorney review the documents, I met with a notary on XX/XX/XXXX and signed the Deed in Lieu, which was sent out to the third-party servicer by the notary the next day via XXXX. The Satisfaction of Mortgage was recorded with the county on XX/XX/XXXX. I have also provided a copy of this document for your review. 
I followed up with my representative several time over the next few weeks in an effort to get copies of the signed documents and to find out about receiving the incentive I was offered. Today, much to my surprise and dismay, I was advised that I would not be receiving the incentive as it had been denied by the investor. 
Nowhere, in the documents I was provided did it state ( or did I see ) that the incentive was subject to approval after signing of the documents, and that it could be denied. To the contrary, over the course of the entire process, I was led to believe that I would be receiving the incentive upon completion. I firmly believe that I was misled to coax me into signing the Deed in Lieu documents. I was offered an incentive only so Rushmore could get me to turn over the property. As requested, and agreed, I followed through with the process which was fully completed within the 60-day time frame. I held up my end of the agreement, but once Rushmore got what they wanted from me, they refused to follow through on their end. If there ever was a practice that truly defined unfair and deceptive, this is it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a hard pull on my credit report showing on XXXX " only '' that was done on XX/XX/2021. It shows JPMCB-XXXX XXXX. This was not me applying for new credit. Ironically, I already have a card with JP morgan chase and have more than enough available credit on that card. I spoke to JP Morgan XXXX XXXX ( both the fraud department and new credit applications department ) and was told someone applied for new credit on XX/XX/2021 and it was determined to be fraudulent. New credit was denied. They also said they have sent notifications to the credit bureaus stating this was fraudulent and it should have been removed. As it doesn't show on other credit bureau reports, this would appear to be the case ( currently staring at the XXXX report ). I now have fraud alerts with all credit bureaus in case this happens again. I have spoken to XXXX and was told they have not received information from JP Morgan card services. I also disputed this hard pull with XXXX which did not solve the problem. XXXX continues to state they haven't received the fraud info from JP morgan and JP morgan says they sent out the info. Somebody is not telling the truth here and I just want this resolved and removed from my credit report. One hard pull would normally not be a huge deal. However, I'm currently trying to refinance my home. A new application for credit when you are trying to refinance a house is a big red flag to mortgage companies. I need this fixed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that my personal information has been mishandled by your company, resulting in significant harm to me. As you may be aware, this is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681n, which allows for actual damages in such cases.

According to the FCRA, any person or entity that willfully or negligently fails to comply with its provisions is liable to the consumer for any actual damages suffered as a result. In my case, the mishandling of my personal information has caused me to suffer financial loss, emotional distress, & reputational harm. 
Your company has engaged in defamatory behavior, I have proof documenting the incorrect information being reported on my consumer reports & file.
Product: Debt collection

I disputed a inaccurate CHASE account with XXXX multiple times. The data reported bankruptcy status XX/XX/2011, debt amount, pay history to name a few are completely inaccurate and un true. 

I would like Chase to send verification and validation of the debt they are reporting to XXXX
Product: Credit reporting or other personal consumer reports

I filed a report with companies in question in XXXX to do an internal investigation of how and when these accounts were opened. I did not authorize the opening of these accounts. The results ruled in my favor and the accounts have been CLOSED and the XXXX credit card account removed all together. 
HOWEVER, the hard inquiries are still reporting. This complaint is to remove the hard inquiries for the fraudulent accounts. Credit report shows I was the one who initiated the closure and removal of the accounts. The hard inquiries needs to also be removed. 
These are ONLY reporting on my TRansUnion credit report. thank you XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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 Balance : {$1600.00} ; XXXX XXXX XXXX XXXX  Balance : {$2900.00} ; XXXX, XXXX XXXX creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX Balance : {$240.00} ; Medical XXXX Balance : {$160.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$51.00} ; XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$160.00}
Product: Mortgage

On XXXX XXXX 2015 I applied for a VA loan. all of my information checked out and was approved pending a payoff amount and a vom of mortgage payments to Setarus Inc.by constant delays and incomplete reports by Setarus { who by the way does not report positive credit to the bureauso it can not be pulled by the bank I applied with } Today is XXXX XXXX. and after request after request I still can not take advantage of my VA benefit because of them intentionally dragging there feet supplying info everyone else reports to the cerdit bureaus.These people should be made an example of and put out of buisness by in effect denying a veteran to take advantage of the benefits My country awarded me.AllI have stated above can be documented by mo loan officer..
Product: Credit reporting or other personal consumer reports

I have disputed these late payments XXXX different times with XXXX and Experian. XXXX is the only one reporting it correctly. XXXX and Experian just keep verifying the information without sending me any method of procedures. I disputed on XX/XX/23, XX/XX/23, and XX/XX/23. They havent even investigated. They just sent something back saying they werent going to investigate. I sent a XXXX bureau report in each letter- SHOWING THE ERRORS DPEDXXXX XXXX DPEDXXXX XXXX DPEDXXXX XXXXXXXX DPEDXXXX XXXX DPEDXXXX XXXX
Product: Credit reporting or other personal consumer reports

I want this information to be completely removed from my credit report, it does not belong to me. 


XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not responding to my request to investigate, verify and remove accounts from my credit report that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and this company " XXXX  XXXX " both are reporting a fraudulent account on my credit report that doesn't belong to me as a result of identity theft. I tried disputing it multiple times on XX/XX/XXXX and XX/XX/XXXX with XXXX, and it was verified. Also, I proceeded contacting the company directly on XX/XX/XXXX with the information XXXX and XXXX supplied, and the United States Postal Services returned the letter stating, RETURN TO SENDER/MOVED LEFT NO  ADDRESS/UNABLE TO FORWARD. Therefore, it's no way XXXX  had properly did their job.
Product: Student loan

They cant give me any payment history on loan and they still owe me money from my refund on my borrow defense approval. I have talk to management and they cant give me any answer they had just giving small portion of what I paid on my loans. They tell me that I have to call Department of Education and when I call Department of Education they tell me that my loan servicer is the one who would be responsible on giving me information on my refund money for my BORROWER DEFENSE & payment history. I cant never get an answer and always be on hold for 2hrs for me to get no answer for the past almost 2yrs.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, My husband and I did a wire transfer in the amount of {$57000.00} from XXXX XXXX  with a Personal Banker by the name of XXXX XXXX. NMLS ID : XXXX XXXX XXXX Financial Relationship Banker Phone : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Ohio XXXX This was sent to XXXX XXXX  with the Wiring Instructions sent to Wells Fargo to help my aging mother and father in law to pay off a mortgage that they have outstanding. XXXX sent the wire and negligently forgot to add one piece of information which was the XXXX Text Information that apparently Wells Fargo requires to pay off the loan. I have called XXXX since they are claiming that they can not find they {$57000.00}. My last 3 phone calls were on Friday XX/XX/XXXX in which I get them the  XXXX Wire  transfer number so that they can pull the payment and apply it to the loan. I haven't gotten any guidance on the time it will take to find this money and pay off the mortgage and now I am worried as to where the money is. The XXXX customer service team has not been able to help me find these funds or provide a timeline for payoff. I have asked to speak to a manager and they told me that one will call me in 24/48 hours. I am worried that now there is a late fee assigned to this loan and also if I make the mortgage payment for my father in law that this will throw everything off. 
I need help and am not getting anywhere. One customer service rep XXXX NMLS ID when asked she would not provide this for me. What can I do to find this money, avoid any more fees and get some guidance. 
Two Banks that I am having issues with are : XXXX XXXX XXXX  ( who sent the wire transfer ) XXXX ( servicer and recipient of the money to pay off the mortgage ) Receiving Bank : Wells Fargo, XXXX. XXXX XXXX CA
Product: Vehicle loan or lease

Towhom it may concern, I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty frustrating to be honest, but I know that mistakes happen. I trust you'll fix the situation. Here 's the wrong info : 1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payments showing here. 
Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 
I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible.
Product: Bank account or service

Wells Fargo received a legal order on XXXX/XXXX/16 ( one day order ) and processed that day. On XXXX/XXXX/16 supposedly received another legal order of some sort they called an " extention '' of original order. WF did not give this copy to me when requested. I called legal department several times to specifically ask if an additional outside order existed and was informed one did not. Asked why WF overdrew all of my accounts on XXXX XXXX, was told an " escalation '' was in the works to see why accounts overdrawn and was told 20 days to rectify situation. On XXXX day at XXXX CA time, phone call informing me that said check will be mailed out. I do n't understand how WF can overdraw my accounts to satisfy a legal order that they already processed on XXXX and then tell me they are investigating the reason for the action that overdrew my accounts but still act as if the check will be mailed to satisfy the supposed " extension ''. XXXX/XXXX/16 spoke to XXXX XXXX in Arizona to investigate further why accounts were overdrawn on XXXX XXXX. Not feeling confident that this matter will be resolved to correct accounts to previous balance positions. Legal department gives incorrect information when consumer calls to get information on issues. I feel they give us the run around to cover their incompetence regarding the processing of legal orders. When asked if they employ actual lawyers, the answer is no. I do not want to be added to the list of consumers that are unable to open accounts at other financial institutions if my accounts are left in the overdrawn state caused by the legal department. I need answers and help. We have opened a complaint against the legal department as well - today XXXX/XXXX/16 with WF customer service.
Product: Mortgage

XXXX XXXX XXXX, husband, died XXXX. On appx. XXXX I contacted Bank of America. The original loan was thru XXXXXXXX XXXX they sold the loan to BOA, the loan was transferred only in XXXX name. 
BOA refused to give any info on loan to wife even with death certificate in hand. Appx 3 months of calls and discussions BOA finally agreed to monthly payments with ID and check in person at BOA, paid payments for 31/2 years. 
During Covid Bank was shut down called many times to see how to pay, NO RESPONSE. 
When Bank reopened went to BOA with {$3000.00} check was told the account was closed and WOULD NOT accept my money! 
Summer XXXX go to Lake house all locks changed and DO NOT ENTER on doors!

Call BOA no RESPONSE!

House was then sold on the court house steps!

They literally stole a {$200000.00} property for less then {$70000.00} loan, that was not in XXXX name! 
Now in XXXX it appears on my credit as a foreclosure, keeping me from moving on in life! 
Many blood, sweat, tears, MANY MANY years, weeks, days of me trying to fix the loan and make things right after my husband passed. All wasted BOA wouldn't do anything!
Product: Credit card or prepaid card

I had a special promotion loan from Capital One bank. This was for a period of 18 months with no interest until the period was complete. Unknown to me the period of no interest ended on XX/XX/2019. The problem was there was no mention of this ending on that statement. Had the company let me know somewhere on that statement that it had ended,I would have paid off the balance with no interest. However the XX/XX/XXXX. statement came and showed interest due for $XXXX.I feel this is an underhanded way to do business and is very unethical. I contected the company and asked them to remove the interest charge. I spoke to a supervisor and was refused . I phoned a second location for the bank and spoke to a senior supervisor and he also said he could not remove the charge. I explained that I was an old and very good customer for years. This made no difference to them. In all my dealings with credit in the past I have never run into a problem like this.
Product: Credit reporting or other personal consumer reports

I disputed these 2 accounts with LVNV funding. they were unable to validate the debt therefor they deleted the accounts. However it was only deleted from my XXXX report an is still reporting to my XXXX consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account WORLD FINANCE CO which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that WORLD FINANCE CO was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit card

On XX/XX/XXXX, my credit card had a extra credit for XXXX $ which showed as being transferred ( dont know where ). I raised a complain with the bank which said it should be credited to checking 's account in XXXX business days. This transfer was without my consent or knowledge. Until I noticed this transaction there was no notification from the bank. Moving forward XXXX  days there was still no action.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent information from my file. The items I need deleted are listed in the ID THEFT REPORT. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Bureaus immediately remove these information from my credit report with their firm pursuant of the FCRA Section 605b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$760.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  Opened XXXX XXXX XXXX XXXX Balance {$300.00} XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been cosistent with paying my bills on time. Im saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX {$3300.00} XXXX XXXX {$2100.00} XXXX XXXX {$21000.00} XXXX XXXX {$310.00} XXXX   XXXX {$28000.00}
Product: Money transfer, virtual currency, or money service

I filed my taxes through XXXX on XX/XX/2016. My total refund was {$1200.00}, but after paying my fees for filing, I ended up getting roughly {$1200.00} back as a refund. When I noticed the money hadnt been deposited into my account after several weeks, I contacted Wells Fargo, who then told me to contact the IRS. The IRS investigated it and told me to contact the bank they use to deposit funds into bank accounts. Meanwhile, I am still trying to get Wells Fargo to help me out. So the IRS and the bank they use as a middleman both did their part, but Wells Fargo did not. Ultimately what happened was, I used the number off of a check that Wells Fargo assigned to me and put that as my account number and routing number. A check that was given to me should be associated with my accounts. As it turns out, my refund went into another bankers account. Now I have contacted Wells Fargo several times about this and nobody is doing anything to get my money into my account. No action or responsibility was taken by or has been taken by Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

my Identity was stolen. 

I am a victim of identity theft. 

the following accounts below are UNauthorized. 

Please block and remove these UNauthorized accounts. 

These accounts are fraudulent. Please block and remove 1 ) Company or Organization : XXXX  XXXX XXXX Account Number : XXXX amount {$1800.00}