23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Lendmark Financial Services LLC reported on my credit report a charge off but I have never received a 1099 C for this. A balance is still owed and showing on my credit report. If this account was charged off then the lender was compensated.
Product: Credit card or prepaid card

I received the unactivated card in the mail. I contacted my Congressman 's about how to get a check issued instead. I was told to call the ONLY number provided by card issuer to get a check. The phone number is reported to allow access to " the main menu '' as well as activate the card. That is a lie! The number requires the caller to activate the card. In fact, there is no option for having a check issued. Moreover, there is no option for ever talking to human via this number. Evidently, the billionaires who own the parent company ( e.g., XXXX ) do not want to talk to mere peons ... only take our money.
Product: Mortgage

Borrower : XXXX XXXX XXXX Loan # : XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : XXXX Rushmore failed to pay my homeowner 's insurance in XXXX, XXXX. After several attempts to get Rushmore to pay my insurance, all of which seemed to fail, I determined that despite assurances of agents of Rushmore that it would be paid I elected to not go without my insurance any longer and pay it immediately. I was about to leave for 5 weeks ' travel in XXXX and could not allow non-coverage to continue. I financed this payment on a XXXX card and now owe additional interest on the sum because Rushmore has failed to reimburse me. 

I was told that only if I sent a demand for payment to the " Consumer Affairs Dept. '' at Rushmore could I be paid. I submitted the letter by FAX on XXXX XXXX, XXXX, as instructed, and received an acknowledgment letter dated XXXX XXXX, XXXX, stating that a response would be sent in 30 days. I have not received any response. 

I 've called again on XXXX/XXXX/XXXX and was informed that my claim was still being " researched '' and an expected date of completion would be XXXX/XXXX/XXXX. I received no communications and called Rushmore again on XXXX/XXXX/XXXX and was told that I could be sent a check for {$860.00}, not the {$990.00} for reasons that were unclear. I again explained that the amount was {$990.00} and that lesser amount offered was unacceptable. The agent assisting me said she 'd update the documentation and that she 'd call back on XXXX/XXXX/XXXX to update me on my request. No call was received. 

Now, XXXX/XXXX/XXXX, I 've again called and was told today that a " review '' was in progress and I could expect something on XXXX/XXXX/XXXX. The agent confirmed that the money was in our escrow account. 

All of this is unacceptable. Rushmore failed to pay the homeowner 's insurance, causing my insurance company to threaten to terminate my coverage. When Rushmore could not make any firm commitments as to when payment would be made on this matter, I determined to pay it out-of-pocket to maintain my insurance. Rushmore has confirmed to me that my escrow funds are in my account but can never finish any of its " reviews '' and " research '' on this matter. After being put on hold when requesting that to speak to a person with more authority to resolve this matter, no one ever picked up the phone and after a total of 59 minutes, my call was hung up on. 

I explained that I 'm sending a copy of my demand letter to the Consumer Financial Protection Bureau.
Product: Credit reporting or other personal consumer reports

In Accordance with FCRA, 15 us code 611 ( a ) ( 3 ) ( A ) this account is PAID and CLOSED therefore it shouldn't be reporting or shown as POTENTIALLY NEGATIVE. Pleased delete the RED POTENTIALLY NEGATIVE for XXXX XXXX. 


Account name XXXX XXXXXXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$670.00} Highest balance - Terms 12 Months Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Current / Terms met 30 Past due 30 days XXXX Closed Payment history guide 30 days past due as of XX/XX/XXXX Balance history XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Additional info The original amount of this account was {$670.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Your statement Comment Current : Account previously in dispute - investigation complete, reported by data furnisher Previous : None Reinvestigation info This item remained unchanged from our processing of your dispute in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and transunion have not removed a fraudulent account from my credit report. I've disputed it multiple times. I even have proof from the collection agency that the account was open in a different state. here is the proof below. this account needs to be removed as I did not open it. and they have yet to provide evidence this belongs to me. 

the account number is XXXX account name is XXXX XXXX XXXX
Product: Vehicle loan or lease

My XXXXXXXX XXXX XXXX XXXX was repossed on XX/XX/XXXX. I was intending to recover the car but ultimately was not able to. The car was sold at auction. I called to recover my personal items on XX/XX/XXXX but was informed that the recovery company only held items for 60 days. I was two weeks past that time frame. I was not notified properly of this limit. Otherwise I'm would have made an asserted effort to recover my belongings sooner. 

There were some very valuable items including jewelry, electronics, clothing, footwear, and legal documents such as passports.

I called several times for possible assistance with the recovery center with none received.

I feel they did not fulfill their legal obligation of notification of the 60 day limit according to California Civil Code 2983.2 ( a ) ( 2 ).

I am filing this an official complaint to accompany small claims lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account that is in my named with Bank Of America was opened XX/XX/XXXX. This account was opened solely by XXXX XXXX XXXX. I meet her and married her in XX/XX/XXXX. I never ask to be put on account and never gave my permission to be added. XXXX had credit card and made ALL CHARGES on account! XXXX SIGNED all charges to account and I never knew that she placed me on account. When she decided to leave marriage she placed me on account and left the marriage. After having no choices she declared bankruptcy which left me on account. I disput all charges and disput being put on account and disput ever signing any paper to be added to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Santander Consumer USA on XX/XX/22 to settle this account and was told that my credit report would be corrected if I paid the settlement amount which I did do ; however, Santander did not keep their word and refused to make any changes to my credit report causing me great undue hardship!!
Product: Credit reporting

Experian refuses to remove this from my credit. The bankruptcy courts of XXXX Carolina do not report to the credit bureaus so this is reported thru a 3rd party which is illegal.
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 : USDOEXXXX 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 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 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  ; Whereas TU is XXXX, XXXX is Experian, XXXX is XXXX 15 U.S.C. 1681 Section 602 A states I have the right to privacy 15 U.S.C. 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) 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 ) states a person shall not furnish any information relating to a 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/2017 I signed up with Freedom Debt Relief, since that time they've paid off one credit card and I have about nine others to go. There are two cards that are aggressively pursuing me, one has already wiped out my entire account the other is going after my work pay. During this time they've been completely silent, even accused me of not turning in paperwork, which I did several times. I called FDR they said, I will have to handle the two cards on my own. I told them, " this is what I pay you all for '', to that they said there was nothing that they could do. They are not even making phone calls to the companies they're just watching me drown while still profiting off of me. Of the $ XXXX that I have paid them to date, I can account for {$7500.00}.
Product: Money transfer, virtual currency, or money service

Money was transferred from my account or a random number through XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wanted to inform you that I noticed an error on my credit report under these accounts " XXXX  '' and " XXXX XXXX XXXX ''. 
1. ) XXXX '' payment status was past due 30 days. 
2. ) XXXX XXXX XXXX '' was reported as 30 days late on XX/XX/2023. 
These are false information because I don't miss my monthly payments and I'm dedicated on fulfilling my responsibilities as a consumer.
Product: Mortgage

Truist bank ( bbt mortgage ) We refinanced our home loan in XX/XX/XXXX and Truist bank has not paid us our escrow money {$1100.00}. My understanding is that the bank that they are the loan service company for XXXX XXXX XXXX Bank ) told us that Truist bank has 30 days to refund us our escrow and that we should contact you to file a complaint. We have contacted them twice a month since startting in XX/XX/XXXX to find out the status and have been given the run around. Truist Banks number is XXXX XXXX please advise. Our account number with them was # XXXX Thank you XXXX XXXX
Product: Debt collection

I contacted American Express, via Vertified USPS ( XXXX ), on XX/XX/XXXX, to dispute an alleged account and the balance, and ask I only be contacted, via USPS Mail, and American Express, cease communications. American Express, received my request, XXXX, XXXX, XXXX. 

Then on XXXX, XXXX, XXXX, I was contacted by a XXXX XXXX, with XXXX, in regard to the above referenced account, who left a voicemail message on my telephone, in spite of requesting this debt be validated within thirty-days, and American Express, cease and desist communications regarding this alleged account. 

I never received any mailings in regard to my dispute within thirty-days of my request. 

Please see the attached documents ( validation letter ), receipts, and voicemail recording from XX/XX/XXXX.
Product: Mortgage

I made my regular monthly payment, early and with additional principal- as always. The website applied it wholly as principal- none towards the monthly payment. Ive tried to contact them, the phone number doesnt work. You dial it and it hangs up on you. I emailed them, nothing. Meanwhile they reported it as a late payment and have effectively trashed my credit scorXXXX. If I had an extra {$2000.00} to make a double payment due to their error I would. I need this fixed asap and my credit report corrected. Lakeview loan servicing is terrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope you can help me with this problem that I am having with the credit bureaus, especially with Transunion. 

It turns out that I have been sending letters to their offices to investigate certain accounts reported in my report, but the only thing I have received in return is being ignored by them, I have been sending them letters for about 4 months and they still do not deign to answer me. I am tired of trying to repair my own credit and not seeing any results. 

In addition, Transunion sent me a letter saying that they had " Suspicion '' that I was working with a credit repair company, to which I sent them a letter in response. 

I feel that they are playing with my time and credit since in the first letter I attached my ID and a Bill as they indicate on their website.
Product: Debt collection

On XX/X/2017 at XXXX CST I received a call from XXXX by someone identifying themselves as " XXXX XXXX '' from " Diversified Consultants ''. He stated that I owed ~ {$450.00} for a delinquent XXXX XXXX bill. I immediately hung up, as I am on auto-pay with my XXXX account and checked while on the call that my balance was {$0.00}. I hung up to call XXXX to validate that they initiated the collection activity, which they denied and stated my account has never been in arrears. 
I called XXXX back and talked to them again. While attempting to verify the account they gave an address that I have never lived at. Apparently they were calling all the " XXXX XXXX '' s in Minnesota trying to find the right one. Either this is fraudulent activity or a highly suspect methodology for attempting to collect a debt. 
I would appreciate the company in question being warned against blanket calling like this. If I receive another call from them I will take legal action, as I 'm sure they are attempting to add someone else 's delinquent bill to my credit report.
Product: Debt collection

This issue is ongoing. I have been, and currently still am, getting multiple phone calls a day from Portfolio Recovery Associates. Anywhere from 5-10 calls a day. I have told them to stop calling. I have stated numerous times to put me on their do not call list, and that my number is on the registered do not call list. They continue to call and harass me daily.
Product: Debt collection

I had a loan for {$10000.00} from Wells Fargo and paid on time with automatic debit. The last payment was scheduled to be debited on-time ( XXXX ) but it never happened. I manually scheduled a payment on XXXX. Wells Fargo has been calling me for payment. On Saturday XXXX, I stopped by the XXXX XXXX, TX branch and Wells Fargo told me that my payment is being processed and it will post on Monday. I requested that Wells Fargo communicate with me by US mail and to stop calling me. Today is Monday and the money has been taken out for days and I am still receiving calls from Collections.
Product: Mortgage

Suntrust Mortgage gave me a pre qualification letter for a conventional loan for {$56000.00} so I could buy a home. The loan officer XXXX XXXX told me I had something on my credit report but it wouldn't be a problem. After I have gone under contract he tells me that we can not proceed until it comes off. The thing is on my report is an unpaid balance with XXXX XXXX from several years ago that I was unaware of as I am a customer with them in good standing. I paid the balance and was told it would come off the credit report in about a week. It never came off. Another lender gave me advice and told me to ask the loan officer XXXX to call XXXX  and have them do a Rapid Score Response. I told XXXX and his response was that this is something I am supposed to do. I called XXXX  and they told me the lender should be calling them for this. I am at my wits end. What am I supposed to do to get this loan to go thorough? My real estate agent has had the closing date extended and it is approaching. I don't think it is right that this guy gave me a pre qualification letter if I could not get a loan. Please advise.
Product: Credit reporting or other personal consumer reports

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

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: Checking or savings account

On XX/XX/2021 I contacted Bank of America by phone after I noticed XXXX  overdraft on my account that totaled {$140.00}. I told them that I was not working and I need the money to cover my car loan. They say they can't reimburse their fees so I tell them to freeze my account that way I don't have any further charges because I have no money to pay for the overdrafts. The rep told me to freeze my debit card which I did. Next day I got XXXX more overdrafts totaling {$280.00}. I call the bank again and the rep on the phone assure me that he placed a freeze and no transaction was coming in from any merchant. I also went to the branch in XXXX were I opened my account but the banker in the branch told me she could not help me. Today XX/XX/2021, I see a transaction from XXXX coming in, which means they really didn't freeze my account. I consider this predatory fees completely unnecessary specially on someone that is going though financial mishaps.
Product: Debt collection

This company and XXXX XXXX are both trying to collect the same debt. During COVID-19 I was enrolled in rent relief programs both state and federal. XXXX XXXX XXXX XXXX  are owned and managed by the same company. I was being stalked and after my lease at XXXX finished they moved me down the street to XXXX. After I was attacked management illegally evicted me. Genesis was notified to stop harassing me, through email or my credit. This is fraud and extortion. I will not pay this when victim services police dept and the state of Texas have XXXX housing laws.
Product: Credit reporting or other personal consumer reports

There are unauthorized accounts and inquires on my credit report XXXX  XXXX ( XX/XX/year> ) {$1300.00} XXXX XXXX XXXX  ( XX/XX/year> ) {$2000.00} Inquiries XXXX ( Bank ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX  XXXX  ( Finance ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX  ( Bank ) XX/XX/year> XXXX CA ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

I submitted a complaint already and attached a court order to be removed from this loan. 

I have attached a COURT ORDER that EXPLICITLY STATES XXXX is solely responsible for these student loans. 

The Complaint was closed with a letter from the company stating that I simply " did not want '' to be a co-signer on this loan. They disregarded the court order. 

COURT ORDER FOR REMOVAL IS ATTACHED. 
Please see section IV - 1 which states " Wife shall be solely responsible for her student loan debt. '' I have emailed XXXX directly on XX/XX/XXXX, XXXX, XXXX, + XX/XX/XXXX, but have not recieved a response from them pertaining to this.
Product: Student loan

In an attempt to consolidate my loans, I used a private lender to pay off my student loans held by EdFinancial Services. On XXXXXXXX a payment of {$37000.00} was made to pay the total of 10 student loans. Rather than applying the payment among the 10 loans, they applied it to half the loans, which resulted in in overpayment of half those loans, while the other half remain unpaid. I then learned in XXXX that automatic payments were made in XXXX and XXXX, which is when I discovered this issue. I then cancelled the auto payments and called EdFinancial to request that the large payment was reallocated to pay off each of the loans and refund the additional payment that were made. I was told that this would be processed at that time. However, after not seeing any changes made, I called to check on the status, only to hear that it would take longer for the issue to be resolved. I have called 4 times since and they continue to tell me the same thing and that no timeframe on resolution could be provided, since those transactions are made by another department. When I requested to speak to a supervisor during my last call, they had said that a supervisor would call me back within 24 hours, which did not occur. Meanwhile interest is accruing on the unpaid loans and I continue to get notices of late and missed payments. It has been 6 months since I made the payment to pay off the loans and there is no indication that they intend to resolve this issue anytime soon.
Product: Debt collection

I lost my job and my family was Evicted from XXXX XXXX XXXX I forgot about credit card because of homelessness.Landlord Said my mail should be sent somewhere else I am in XXXX now seeking employment living I a shelter.I was and still unable to pay I think it said XXXX XXXX when I was employed I paid bit how can someone pay any bills with out and job or a home to live in?
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2023 I requested documentation to establish a clear legal or equitable right to make a claim on account they are reporting on my consumer report and requesting claim for acct XXXX. This isn't the first or 2nd time, XXXX XXXX  keeps reporting improper on my consumer report. Also I requested the same information from First National Bank of Omaha ( FNBO ) for accounts XXXX & XXXX. FNBO still have not responded to my requests
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORT THAT NEED TB BE REMOVED RESULT OF IDENTITY THEFT