23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX sold our home equity loan to Rushmore in California. I believe Rushmore is frauding their " new '' clients. It is difficult to get anyone at that company to answer the phone. They would only let me pay by setting up account on their website to do a draft from our account. I wanted to pay the balance in full. They would not let me pay more than {$10000.00} per day. I was charged a {$50.00} fee for them receiving our loan in the first place. The next day I tried to pay the remaining balance. It would not except full balance. I had to leave at least one cent remaining. I finally got a hold of someone there and said they have to have a cashier 's check for final payment and that we owed them {$68.00} transaction fee! They said I owe them that because they would have to go to the courthouse to get the deed. I live in Louisiana and Rushmore is in California. I wish someone would please investigate the practices of this company. I looked online for information about this company and all they have are really bad reviews. I fear the deed is being held hostage.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries and asked the bureaus to remove them, but they did not comply with my request. In confirmation, I provide a report of identity theft, which I will attach to this letter. Here is a list of credit requests that I do not approve : XXXX 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 XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XX/XX/2024 Alleged debt collector violations. 

Attached is case law, there are violations, {$1000.00} each.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX someone tried opening a XXXX XXXX credit card with my social security number. I immediately called all 3 credit bureaus and XXXX XXXX and reported the fraud. On XX/XX/XXXX a second credit card with the same company was attempted again using my social security number. I called a second time and reported the fraud. I also wrote a letter to XXXX XXXX and Experian to remove the hard inquiries on my credit report and froze my credit. I've now called again because now there are two addresses on my credit report that are not mine. This has hindered my credit and is absolutely ridiculous that it is now almost XX/XX/XXXX and this is still not corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was Getting A hard time from Both Customer Service And Special Handling Department.They Both Gave me A Runaround As to finding out If they Recieved my Fax about the Collections, And Hard Inquiries.I am A Victim of Identity Theft.And I am Trying my Best to get this Handled in a Proper Manor.I am a victim of The Inquiry Issues Stated.They told me nothing.
Product: Consumer Loan

The company SANTANDER CONSUMER USA is reporting that I have missed a payment. I have never missed a payment. The vehicle was traded in. Santander received and posted the payment late.. Under the FCRA, they are required to conduct an investigation on this account if I request it. I submitted in writting requesting for them to conduct an investigation. Per the FCRA, they had 30 days to conduct this investigation and respond to my request. Santander did not respond within this time periord, per the FCRA, you must remove this negative information.
Product: Payday loan, title loan, personal loan, or advance loan

I have been a victim of identity theft and fraud on my accounts, in 2022 my personal information was stolen, several accounts has been opened under my name without my authorization or knowledge and i am unaware of these accounts. I have sent a letter to the following creditors in order to verify the debts they allege that I owe and they can not verify debts to me. I enclose the police report and the details of the affected accounts.
Product: Mortgage

I am desperately seeking your assistance in clearing up a mistake that Nationstar made on my home loan account. I would appreciate you looking into my account to advise of further actions needed. 

I currently have an FHA loan on my home. To give you some background, I lost my job and fell behind on mortgage payments, for fear of losing my home to foreclosure I placed my home on the market and have a buyer to purchase at full asking price. With this I am able to avoid foreclosure or short sale and am able to pay Nationstar the full price I owe on my property. 

The problem is that Nationstar mistakenly recorded a partial claim deed of trust in error. This partial claim was recorded XX/XX/2016, but a a denial letter for modification ( associated with the lien ) was sent after that was recorded XX/XX/2016. My title company and myself have been dealing with this for 2 months now. Nationstar, attorneys for Nationstar, and HUD all acknowledge what the problem is and that Nationstar mistakenly recorded this on the title, but are not promptly acting on this to correct their mistake to clear this title. I actually have recorded telephone conversation from Nationstar stating that " it is their mistake '', they " do n't know how this happened '' and " someone make a big mistake here ''. I can send you these recorded conversations per your request. I 'm not asking for a handout or for any waiving of money that I actually owe, I 'm asking for something in writing stating that there is no lien, or account if any sorts attached to the title by Nationstar. 

I have been getting a runaround for months from Nationstar. Every employee I speak to ( or that the title company speaks to ) states it will take another day, week, etc to correct. I 'm begging for your prompt assistance. Nationstar has officially delayed closing for over a month and this is causing great financial distress. I do not wish to have to retain attorneys as many have suggested to force this issue to be corrected, I just want to resolve this quickly so I may move on in an attempt to rebuild my life. 

File Number-XXXX-Address-XXXX XXXX XXXX XXXX ( Email Ref=XXXX ) Respectfully, XXXX XXXX XXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Alternative contact regarding this situation is : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I have sent my dispute letter to XXXX and Experian Informing them of the inaccurate information being reported. I have never given my permission to furish the company on my Credit Report. PLEASE REMOVE immediately XXXX ) XXXX XXXX / XXXX XXXX XXXX  XXXX Account # XXXX
Product: Debt or credit management

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Collection company name : CAVALRY PORTFOLIO SERVICES Original creditor Dear Consumer Financial Protection Bureau , I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 
Sincerely, XXXX
Product: Credit card or prepaid card

I received credit offer from Synchrony Bank through XXXX. They have a 6 month finance 0 % interest if pay in full on purchases $ XXXX. The problem is that they stimulated the consumer to go paperless with the promise to received the monthly statements, but instead the consumer have to logging on a computer and get lucky to locate the pdf file. 
I did contacted costumer service, and only after a long chap I learned that my balance was {$410.00} more than shown on the dashboard because I asked directly to the bank representative. My account show 2 purchases of around {$650.00} and {$850.00} but balance of {$2100.00}. Only after my complain she trayed to explain where I could get the information ( what we see as consumer has nothing to do with what she mentioned ). I found very unfair that XXXX and Synchrony bank present the information in such way that we as consumers have no way to stay on top of our finance and the convenient fees applied to our accounts. I totally sure I'm not the only XXXX with these problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$590.00}, XXXX XXXX, XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor : XXXX XXXX  ) XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX, XXXX ( Original creditor : XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

While understand that by XXXX XXXX XXXX XXXX ( XXXX ), including XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX, Has closed down from committing unlawful practices misrepresenting job placement rates and school programs targeted low-income, vulnerable individuals and left tens of thousands of students under a mountain of debt unable to find a job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed for a bond for my husband. Three months after I signed the bond we moved to another address. I informed the bond company of the address change as soon as I moved. He then went on the run. We were separated at the time of him being on the run. When I was made aware of him missing court, I called the bond company and made arrangements to bring him into the bond agency. I turned him in as agreed. The bond was then rewritten in someone else 's name. I was never told about any money is due. I started clearing up my credit and notices the debt on my report for the amount of {$2100.00}. I then contacted both the collection agency and the bond company to resolve the matter. I was told that information was sent to my old address and I missed the timeline to keep it from going to collections. I was told the total debt owed was a reduction and never given an amount of the original debt. I then contacted legal-aide and was told to request a copy of the invoices for the debt that I allegedly owed. I received a response saying that they don't do a formal invoice. The bond company sent me the paperwork that they said they sent to the old address. The paperwork had many different amounts on it. I then contacted the collection agency and told them that the information given to them was incorrect. The collection company requested the same information and was given different documents. They were given a canceled check with the amount of {$3300.00} with only my husband 's name on it. Another red flag about the debt. I have been trying to get someone to listen to me on why I don't owe this debt. The paperwork is all fraudulent. I turned him in as agreed.
Product: Debt collection

In the month of XXXX & XX/XX/2021, I sent letter to all three agency XXXX, Transunion and XXXX disputing accounts eastern account system for the amount of {$100.00} and XXXX acct # XXXX, XXXX XXXX {$29000.00}, XXXX XXXX {$230.00}. I stated that these accounts are inaccurate, not my accounts and I did not give permission for these accounts to be reported on my credit report. which this is a violation of the FCRA. XXXX removed all accounts listed above. this is unauthorized uses of credit report. How this information is this verified or accurate if its only one creditor.
Product: Bank account or service

Over the XX/XX/XXXX holiday, my Regions XXXX Debit card was hacked and over {$1000.00} of unauthorized purchases were made using the card. Of course, the bank was closed for 3 days during the holiday and would not allow a dispute be filed until the charges " posted ''. Did you know, Regions does not immediately put the money back into your account, pending an investigation like every other bank in this country does. There is a XXXX waiting period and they do n't make exceptions. Did you know they do not issue temporary bank cards ( bank personnel told me they are not that technically savvy! ) The also do not have courtesy checks for a customer to use when they ca n't get a temporary bank card - according to my " personal banker '', Regions had too much " fraud '' that way ... .. REALLY?? 

In addition to a XXXX day delay, they start hitting you with NSF charges even though my legitimate charges came BEFORE the unauthorized charge. Regions chose to hit me with approx. {$250.00} in NSF charges. Since the bank took an additional XXXX day New Years holiday there was no way to get any money out of my bank. My direct deposit paycheck was taken by the bank to cover the charges including the NSF fees. I am closing this account as soon as I can change my direct deposit to another bank. I would NEVER under any conditions open an account or recommend this bank to anyone!! As for my Regions " personal banker '', I want to thank you for nothing and a special thank you to the bank XXXX who refused to reimburse me the NSF fees knowing that I have never over-drafted my account and the fees were incorrectly charged. And please change the automated message on your voice recording saying Regions has the highest customer satisfaction rating of any bank. You MUST BE JOKING!
Product: Bank account or service

Opened a new citigold account with the promotion below. 

Citibank Citigold Checking is offering up to XXXX XXXX XXXX XXXX bonus miles with promo code XXXX good until XXXX XXXX, 2016. In order to get the maximum XXXX bonus XXXX, you must open a Citibank Checking Citigold Account Package, set up a bill payment for at least XXXX consecutive months, and make at least {$1000.00} in debit card purchases. 

Called multiple times and getting the runaround. Getting charged monthly fees for waiting on miles to be credited to my airline account. Multiple times no communication from citibank. Please help.
Product: Debt collection

I reached out the collection agency in an attempt to have them verify the debt and was unsuccessful. I tried accessing their portal via telephone and website but my information doesnt match any open files with them. They have managed to put this unverified debt on my credit file. This debt could be more than 10 years old, and I have never acknowledged or made a payment to this company to restart any sort of collection process.
Product: Debt collection

I have disputed and requested debt validation from Portfolio Recovery Associates on an account I found on my credit report. PRA has not sent sufficient debt validation after XXXX sent certified mail return receipt. PRA has continued to report derogatory information to all XXXX credit bureaus. PRA has also failed to notify XXXX this account was in dispute until after 60 days when I notified them of their error. PRA is in violation of the FDCPA and is not reporting accurate information. As a consumer I am extremely frustrated trying to work directly with PRA as their business practices are not ethical or accurate. I will continue to dispute this inaccurate account until my voice is heard and action is taken. Thank you for your time! XXXX
Product: Credit reporting or other personal consumer reports

Contacted experian to remove unauthorized inquiries in accordance with FCRA. i was redirected to call another number for inquiry removal at which time the representative told me they could not be removed from my consumer report
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents. Please remove this from my credit report. According to FCRA Section 605B it is illegal to report information on my credit without my permission.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of XXXX XXXX XXXX  Account Under FCRA To Whom It XXXX Concern, I am writing to formally dispute the collection account reported on my TransUnion credit report by XXXX XXXX XXXX. According to the XXXX XXXX XXXX XXXX ( XXXX ), this company is not licensed to collect debts in the state of Ohio. As such, this accounts reporting is inaccurate and should be permanently removed from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), TransUnion is required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a collection account from an entity not authorized to operate in California constitutes a violation of this standard. Furthermore, under 15 USC 1681i ( a ) ( 1 ), I am entitled to dispute inaccurate information, and Transunion is obligated to investigate and correct or delete unverifiable data. 
Actions Requested Proof of Licensing : Provide verifiable proof that XXXX XXXX is licensed to collect debts in California. 

Remove the Inaccurate Entry : If such proof can not be provided, permanently delete this collection account from my credit report. 

Provide Written Confirmation : Send me written confirmation of the accounts removal and an updated copy of my credit report reflecting the correction. 

I request that you complete your investigation and provide a response within the XXXX timeframe required under the FCRA. Should you fail to address this matter appropriately, I will escalate my concerns by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Ohio Attorney Generals office. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX improperly reported to my credit bureaus that I missed payments for XX/XX/XXXX and XX/XX/XXXX. These were not late payments but the payments I made was applied to principal payments instead of regular monthly payments due and thats their fault and not mine. 

Because of their reporting my credit dropped XXXX points.