23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortgage that is serviced by Rushmore Loan Servicing LLC. My mortgage is owned by XXXX XXXX XXXX XXXX. 

I have fallen behind on my mortgage payments immediately and ask for a loan modification. I received a letter after requesting a loan modification from Rushmore Loan Servicing stating that my modification was denied. 

The reason giving didn't make sense. Three of their reasons for denial led me to believe that there wasn't any due diligence in their consideration.

1- Income not sufficient to sustain any payments under any available loan modification program. ( The was no program offered ) 2- Employment History is not sufficient in length to qualify. ( I've been employed for the same company for 11 years. ) 3-Your Credit History reveals that my current obligations are excessive in relation to income. ( The letter stated under this bullet point ; could not be verified ) 4- Good Faith Payment : Proof of the good faith payment was not received. ( When applying for my modification I was not required to make a payment however it seems as I'm being penalized for something was not require at the time of application.

However, I was informed that I have 14 days to accept Rushmore Load Servicing short sale options. 
This is evident that my modification was never processed and simply denied in the attempt that XXXX XXXX XXXX XXXX either foreclosed on my home or force me to short sale my home either of which will allow me to lose my home. 

Apparently, this is a common practice. Please see the link below. 

XXXX XXXX XXXX
Product: Debt collection

Debt was settled by the original creditor ( chase bank ) This debt in bankruptcy proceedings
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning Services is reporting fraudulent and inaccurate information on my consumer report. All of the fraudulent checking account and credit inquiries listed on my Early Warning Services Consumer Report is fraudulent accounts and inquiries, and inaccurate information. The fraudulent checking accounts or credit inquiries are not mine. I should have a clear consumer report with Early Warning Services. I have never applied for or had a checking account in my name. Early Warning Services has been reporting the fraudulent checking accounts and credit inquiries for over 10 years. Early Warning Services is in complete violation of the Fair Credit Reporting Act ( FCRA ) and I am requesting for the Consumer Financial Protection Bureau to investigate Early Warning Services and shut this consumer reporting agency down. Early Warning Services has been violating the Fair Credit Reporting Act for over 10 years listing and reporting fraudulent checking accounts and credit inquiries on my consumer report.
Product: Checking or savings account

I requested information on TOTAL Deposits over ALL time. This information is held in secret and is not available to account holders at any point. They would have had to track it on their own. I have no way to verify that the interest rate I am getting is accurate since I don't know how much I actually have deposited into my account. It is NOWHERE on their TERRIBLE website, and it is NOWHERE on their statements. I have emailed ( they won't share email addresses with anyone who can resolve ) and called NUMEROUS TIMES. I was most recently told I would be called back " tomorrow ''. It has been weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$910.00} ; XXXX XX/XX/2021.
Product: Money transfer, virtual currency, or money service

I am an XXXX XXXX and get paid via PayPal the vast majority of the time. Today, XX/XX/2018, I noticed that an invoice was paid, so I decided to move the money ( {$73.00} ) from my PayPal account to my XXXX XXXX XXXX checking account. During this process, I noticed that the usual fee of {$0.00} was now 1 % of the amount being transferred, not to exceed {$10.00}. I called PayPal and spoke to XXXX. She said I was notified in XXXX about the increased fee. I asked her where I was notified, and she stated that there was an internal notification system and to check my message center. There was no notification sent to me, so XXXX said she would report the error as a complaint. But otherwise, there wasn't much she could do.
Product: Mortgage

Unfair and deceptive practices ( violation of the FTC act ). Synovus ' postal letters claim that I am not eligible for loan mitigation after 120 days past due. My loan is not 120 days overdue ( i am currently past due on XXXX payment of of XXXX/XXXX/2016 ) however they are denying me that opportunity. I received email from Synovus corporate counsel that I must bring my loan up to date or they will not extend the mitigation opportunity to me. I have the email when we makes that clear. If you want copies of the letters and his email please le me know and I will fax them to you at your convenience.
Product: Credit reporting, credit repair services, 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 XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX The above accounts have violated my rights according to 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 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed immediately.
Product: Debt collection

XX/XX/XXXX disputed inaccurate reporting of an item not mine. XX/XX/XXXX credit bureau resolved dispute. Removed negative impact from my credit report. 79 days later same credit reinstated the same negative impact without notice and justification.
Product: Debt collection

I've been contacted by this XXXX company about 20 times by completely different ( spoofed ) phone numbers. Each time I tell them I am not the person that they are looking for and to take me off their calling list. I recently got a string of SMS messages on my phone from someone, who failed to disclose their identity, claiming to be from this company. I have reached out in saying that I am not the person that they are looking for and they are now saying that I am the reason that this keeps happening.
Product: Debt collection

I graduated in 2018 from a XXXX College. XXXX XXXX College/XXXX. 
*I got NO support for Cirtification Testing or my studies durung their program!! 
*I have a cirtified XXXX XXXX. 
*I told the school UP FRONT during their enrollment interview that I needed XXXX  XXXX XXXX accomidations!! 
*The school promissed to give me XXXX accomidation help. 
*They failed to help get me accommodations. 
They did not have any!! 
*Navient is the private loan holder. 
The original loan was for {$1000.00} XXXX College did not inform me of student aid at first, and signed me up for a private loan!! 
This private debt has been assigned to various collection agencies. 
**I gave the last agency a lump sum of {$400.00}!! 
Plus ... small instalments.None of which went toward principle of the {$1000.00}. 
Navient has the debt up to {$4000.00} NOW!! 
I have XXXX XXXX am on food stamps and live in Public Housing, and Do Not Work In The XXXX Program I Attended The As XXXX XXXX!! 
* I Also OWE {$20000.00} + In Federal Student Loans To a Servicer. From This Fraudulent Co. 
*I Am A Responsible Person!! 
This School is So Fraudulent, They Were Closed For Making False Promises!! 
*I Have Firmly Asked Navient and Thier Collection Goons For Hardship. 
NOTHING!! 
The Interest Continues To Rise!! 
I Want RID of This Debt!! 
PLEASE HELP!! 
Ps. My claim is too OLD to be forgiven through the class action law suit towards XXXX  Colleges. 
Pss. 
I have seen 2 lawyers.No help Pss. 
Their is borrowers defense. I have Not Got Any Help For This Private Debt or Federal!!
Product: Debt collection

This company, XXXX XXXX continuously calls XXXX or more times per day. On XXXX XXXX 2015, I made contact with XXXX, they were calling my work number. I informed them they could not contact me on that number. Once more they contacted me on my work telephone number. I set up a payment arrangement with them on that day to be dated for XX/XX/2015. On XX/XX/2015, They called me XXXX. At approximately noon on the XX/XX/2015, I called them back stating our arrangement. I further instructed they could call me at the number I gave them no more than once per day. If that was not acceptable, then they would need to communicate with me By Mail Only. XXXX XXXX has since began calling me multiple times per day. As of XXXX on the XXXX of XXXX, I have been called XXXX.
Product: Mortgage

The problem I am having is with escrow with NewRez LLC ( Shell Point Mortgage ). NewRez took over my mortgage on XX/XX/XXXX. There never was a escrow account. My wife and I paid the house insurance and property taxes. The house insurance was not renewed by insurance company in XXXX. There was a few months the house had no insurance due it being difficult to find a company to insure the house. NewRez charged me for the months without insurance until I obtained house insurance. I provided proof of insurance and received a refund check from NewRez for balance owed to me. The problem was NewRez never contacted me, created a escrow and raised the mortgage payment from {$1100.00} to {$1600.00}. We could not afford that amount. NewRez did not offer to spread out the amount of money that was owed for house insurance. I called many times to try to get this corrected but it was never corrected. We did pay extra money when we had the means to pay off what was owed for house insurance. NewRez is still saying we owe them. Now there is a problem with XXXX property taxes. The XXXX property taxes were paid by Shell Point Mortgage on XX/XX/XXXX without telling me. They charged me {$4900.00} when the amount paid on the tax receipt is {$3500.00}. The property taxes were not late and were due by XX/XX/XXXX. This time they raised my monthly payment to {$1700.00}. They have caused a lot of stress and problems for my wife and I. It's ridiculous they can not fix the issues. I have wasted a lot of time calling them. This is not right or fair. We don't want to lose the house. I hope someone can resolve this and prevent this from happening to others.
Product: Credit card

I responded to a credit card offer that included XXXX XXXX interest on purchases through XX/XX/year> After I contacted customer service for USBANK and asked why I was having interest charges on my statements for purchases with no resolution and sent all documentation to them with no answers
Product: Checking or savings account

Bank of America allowed someone to come into a branch and withdraw {$900.00} out of my account on the second occurrence, they allowed someone to come and take {$600.00} out of my account. I was told since I did not notify them in 60 days time, it was my responsibility alert them within 60 days. The {$600.00} was clearly within the 60 days time period and they denied my fraud claim. This is not {$5.00} or {$50.00}. This is {$1500.00} that was allowed to be drawn out of my account. Bank of America sent someone a debit card and failed to follow their own identification protocols and allowed someone on two occasions to draw money out of my savings account.
Product: Credit reporting

ATTORNEY GENERAL-XXXX Other XXXX XXXX, XXXX Open - 120-149 Days Late {$8000.00} XXXX XXXX XXXX Credit Card XXXX XXXX, XXXX Closed 1 Missed Payment {$7600.00} XXXX XXXX XXXX XXXX, XXXX Closed {$5200.00} XXXX XXXX XXXX Other XXXX XXXX, XXXX Closed {$4100.00} XXXX XXXX XXXX Auto XXXX XXXX, XXXX Closed {$3000.00} Equifax XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX, XXXX Closed {$2500.00} XXXX XXXX XXXX Other XXXX XXXX, XXXX Closed 1 Missed Payment {$1400.00} Equifax XXXX XXXX XXXX Credit Card XXXX XXXX, XXXX Closed {$1300.00} Equifax XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX, XXXX Closed 7 Missed Payments {$1000.00}
Product: Credit reporting, credit repair services, 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 XXXX XXXX account number:XXXXXXXX XXXX XXXX account number:XXXX XXXX  account number : XXXX, XXXXXXXX XXXX XXXX XXXX account number : XXXX, XXXXXXXX XXXX account number : XXXX, XXXX XXXX XXXXXXXX account number : XXXX, XXXX XXXX account numberXXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I submitted a CFPB complaint # XXXX   about Penfed regarding an account that was still listed as a past due charge off that was sold to collection company name XXXX. Penfed responded to this complaint XX/XX/XXXX stating that they still owned this account and that XXXX XXXX was collecting for them in their complaint response. XX/XX/XXXX I agreed with XXXX XXXX and Penfed to settle this account in full and to close this account out to a XXXX balance if I paid the amount of {$2700.00}. XX/XX/XXXX I paid this amount with my debit card and the funds were withdrawn from my account on XX/XX/XXXX. I contacted Penfed and was told that it would take 30 to 60 days for my account to reflect a XXXX balance and to be updated to a satisfied account. However, this never happened. On XX/XX/XXXX I initiated a dispute with XXXX echoing all the above details and on XX/XX/XXXX XXXX  completed their dispute with a verification of the current reporting. XXXX could not have researched the reference account and then verify the information because that is not correct. I believe XXXX did an electronic XXXX   verification and did not research this in its entirety. If PenFed did in fact verify that the account was reporting correctly on my credit report then they are in violation of credit reporting guidelines.
Product: Money transfer, virtual currency, or money service

On multiple occasions I transferred small amounts to friends and almost double the amount was removed from my account totaling about XXXX dollars
Product: Money transfer, virtual currency, or money service

I'am filing a complaint against Cash App ( 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 Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss. And I seek appropriate redress for these violations.
Product: Checking or savings account

Received a form letter from Bank of America that they have decided to stop doing business with my wife and myself. Said that they would not give an explanation as to why and would not help re - routing money and direct deposit checks. Never over drew and always kept required balances for over three years. I think this is bad business from an institution that has had a terrible name since the XX/XX/2008 banking crisis. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the XXXX data breach, and I've discovered misleading items linked to my profile. These are not affiliated with me, and I never authorized them. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to report XXXX XXXX XXXX XXXX XXXX  due to error and refusing to correct their mistakes. 
I have enrolled into the forbearance plan due to COVID-19. it specifies  that the months of XXXX, XXXX, and XXXX of XXXX allowing the extensions of XXXX, XXXX, XX/XX/2020. 
would not be reported delinquent. 

all credit bureaus are reporting late payments for my mortgage and XXXX XXXX XXXX XXXX XXXX  is saying reporting is correct when I signed up into an agreement plan with them due to the current pandemia situation.
Product: Student loan

I wanted to make payments on my student loan prior to interest accruing so I made a payment on XXXX of {$83.00} and it was confirmed. I made an additional payment in XX/XX/2023 of {$130.00} and it was confirmed. I realized both were never processed from my bank account and they now state payment reversal. I tried again to make a payment on XX/XX/2023 of {$83.00} and the same thing. I dont know why my payments arent being processed and deducted from my balance.
Product: Debt collection

A Group called " XXXX XXXX '' reported a debt of XXXX dollars being owed to XXXX XXXX without ever notifying me that there was a debt owed. First, I do not owe this debt, second I was never contacted by the collections agency. I have rights to dispute this charge and they never contacted me to dispute the charge. Under the FDCP I have rights to make any collections agency verify the debt. If they tried to verify the debt they would know that I do not owe it.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain accounts from my credit report. I am a victim of identity theft resulting from a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit file to prevent further harm. 
Accounts to Block and Delete 1. XXXX  XXXX Bankruptcy XXXX XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00} 2. XXXX  XXXX Bankruptcy Reference Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} 3. XXXX XXXX Bankruptcy Reference Number : XXXX Date XXXX XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$450.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$980.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$790.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$950.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1500.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$58.00} XXXXXXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1000.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$1000.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$790.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$1500.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$950.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$720.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called on sereveral occasion, s credit one would not fix the problem. They illegally charge off on our accounts after filing for section128-21 in the stat of Wisconsin. I spoke with there collection dept 2 days before they sent it to a collection agency.they agent told me they did not agree to the court order. And did not have to follow the Wisconsin law.he told me every state is different. I live in Wisconsin and was given the card in Wisconsin so they have to follow the law.payments were made to credit on per our court order in XXXX of 2018, XXXX XXXX and XXXX all of 2018 Thur the trustee. They charged of the account after the payments were made. They sent the accounts to XXXX XXXX  and broke the law. We filed XXXX of 2018. And all the creditors were notified. They need to remove our accounts. They were paid by the agency.this company has a lot of complaints and should be closed. They take advantage of people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Phoenix Financial Services Refuses To Validate Debt Belonging To Me, Phoenix Financial Services Also added additional debts to my credit report for the amounts of {$450.00} {$1600.00}, XXXX, and {$1100.00}
Product: Credit card or prepaid card

I signed up for the chase freedom credit card, that comes with a promotional offer of {$200.00} if {$500.00} is spent within the first 90 days.

https : //creditcards.chase.com/cash-back-credit-cards/freedom/unlimited I have spent over 500 $ in the first 90 days, and chase is refusing to give me my XXXX $ credit. 

I believe that chase is misleading new customers, and i am sure that i am not the only person with this complaint about this offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SUBMITTED DISPUTES TO XXXX AND EXPERIAN TWO OF THE THREE CREDIT REPORTING AGENCIES TO LET THEM KNOW THESE ACCOUNTS OF BANKRUPTCY IN MY PUBLIC RECORDS SECTION OF MY CREDIT REPORTS WERE IN ACCCURATE AND THEY SENT ME RESULTS OF THE INVESTIGATION STATING THESE ACCOUNTS WERE MINE AND THEY WERE VERIFIED AND I ALSO ASKED FOR PROOF OF THE THESE INVESTIGATIONS AND HOW THEY WERE CONDUCTED AND VERIFIED WHEN KNOW ONE FROM EITHER COMPANY WENT TO THE COURTHOUSE THAT THESE SO CALLED ACCOUNTS WERE OPENED AND OR CLOSED