23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted identity theft reports and police reports as instructed but Equifax refuses to remove these two items : Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$160.00} Amount {$200.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments COLLECTION ACCOUNT Contact XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX. 
Original Creditor Name XXXX XXXX XXXX XXXX Assigned XX/XX/XXXX Original Amount Owed {$170.00} Amount {$0.00} Status Date XX/XX/XXXX Status PAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification RETAIL Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Comments RETURNED CHECK Contact XXXX XXXX, XXXX. 

XXXX XXXX. XXXX XXXX XXXX ( XXXX ) XXXX Which are the product of Identity theft and in fact colluded with XXXX XXXX to give them my current address and phone number so that they can re-list the fraudulent debt as a new debt. 

Equifax has refused to remove this information 4 times even though the other two credit reporting agencies have removed it right away.
Product: Credit card

Costco went from XXXX XXXX to Citi Card. {$3000.00} has not been credited to my account. 
I have spoken to XXXX people @ Citi Card and no one can help me. XXXX XXXX will not take my calls. 
Costco is not taking responsibility. I have all my AM XXXX statements and ALL payment information. I need some help
Product: Credit reporting or other personal consumer reports

Experian stole 17 months of on time never late payments to XXXX and refuse to give them back and today alone experian closes 3 complaints without resolving the issue and once again give ridiculous explanation that has absolutely nothing to do with the complaints
Product: Mortgage

On XX/XX/year>, I initiated a request to Rushmore Servicing for the removal of Private Mortgage Insurance ( PMI ) from my loan. My loan has met the requirements for PMI removal, as the XXXX ( XXXX ) ratio has fallen below 80 % due to significant XXXX  improvements made to the property. These improvements were carried out in accordance with XXXX XXXX and XXXX XXXX guidelines, which allow for PMI removal without requiring a new appraisal to demonstrate a 70 % XXXX. 

Despite providing a third-party appraisal as evidence of the decreased XXXX, Rushmore Servicing has refused to remove the PMI. Their stated reason is that the appraisal was not ordered directly by them. However, this contradicts their own PMI Help Center, which states that any appraisal can be used, without specifying that it must be ordered by Rushmore.

Furthermore, I have experienced a complete lack of communication from Rushmore Servicing regarding this matter. Despite multiple requests for callbacks, I have not received any response in the six weeks since my initial contact. My most recent callback request on XX/XX/year>, has also gone unanswered. 

Adding to my concerns, the notes on my account suggest that Rushmore has made attempts to contact me, but these claims appear to be falsified. The caller ID for these alleged calls shows " Mr. Cooper Loans, '' a company unrelated to my mortgage, with the exception of one call received on XX/XX/year>, immediately after I filed a previous complaint. 

As a result of Rushmore 's inaction and refusal to remove the PMI, I have incurred unnecessary PMI payments. This has created a financial burden that I should not have to bear, given that my loan meets the necessary criteria for PMI removal. 

I believe Rushmore Servicing 's conduct in this matter constitutes a violation of consumer protection laws and regulations. I trust that the CFPB will take the necessary steps to resolve this issue and prevent similar occurrences in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  credit company has me with one open account for {$19000.00} for child support Enforcement and XXXX but no account numbers to go with them i do not want false information on my credit report in no way it violates my constitutional rights.. 

Tranunion credit report company is putting accounts on my credit report with out my written permission which violates my constitutional rights. they have sefcu account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX now they are violating my rights that i have in the next paragraph ... .i would like this false information off of my credit report right away, they can not produce a copy of my written permission..and it violates my prvacy..and the information is false ..... 


15 u.s.c 1681 section 602 A. law.cornell.eduhttps : //www.law.cornell.edu text15 U.S. Code 1681 - Congressional findings and statement of purpose states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : XXXX XXXX XXXX XXXX XXXX Code 1681s2 - Responsibilities of furnishers of... 

it also states a consumer reporting agency can not furnish a account with out my written instructions. 



15 u.s.c 1681c. ( a ) ( 5 ) section XXXX XXXX XXXX XXXX U.S. Code 1681c - Requirements relating to information contained in... 

states : no consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes which antedates the report by more than 7 years 15 u. s.c 1681s-2 ( A ) ( 1 ) XXXX XXXX XXXXXXXX XXXX U.S. Code 1681s2 - Responsibilities of furnishers of... 

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

I am submiiting this request to delete or correct the following information that appears in my credit report. In the year XXXX is when i had applied for a student loan to finish my career and since that year i have not applied for any credit except one that was provided to thru my paypal account which was a credit line with paypal. I have never had a reason to check my credit report since my student loan has been referred ever since XXXX. Recently i have requested a credit card thru my paypal account and i come to realize that there are many credit accounts already that appear on my credit report like for example. XXXX XXXX opened in XX/XX/XXXX, SYNCB opened in XX/XX/XXXX, XXXX opened on XX/XX/XXXX, XXXX opened on XXXX XXXX, XXXX XXXX opened on XX/XX/XXXX, XXXX opened on XX/XX/XXXX, XXXX opened on XX/XX/XXXX and a XXXX opened on XX/XX/XXXX. I am requesting these above accounts to be deleted out of my report because they do not belong to me. I have never given a consent to open these cards plus obviously never used them to be responsible for them. I am aware that i am protected by law according to Section 604 15 U.S. Code 1681 B, Section 605 A 15 U.S. Code 1681 C-1 and Section 605 B 15 U.S. Code 1681 C-2. 

Credit Reports do not have the right to report anything on my credit report without my written consent. I clearly see that i have a victim of identity theft. Having said that, i am notifying that something in my credit report is incorrect and its a result of identity theft. 

I would like to make it clear that i have not consented this at all. 

P.S : The only accounts that should be reflecting in my report in my STUDENT LOAN and a creditline from Paypal, that should be it. Most of these accounts are reflecting as collections and affecting my daily work and life as we speak. I would appreciate to take matters in to account.
Product: Credit reporting or other personal consumer reports

My SYNCB/PPC was closed even though I was still making payments! They agreed to work with me through out my rotator cuff XXXX in which I was off work for several months with no pay and once I started back to paying them just all of sudden they closed my account without notifying me and they reported it to the credit bureu damaging my credit severely!!! The purpose of the getting that loan was to help build my credit and it was damaged because it was unjustly closed without any reason.
Product: Debt collection

I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.
Product: Credit card or prepaid card

Upon looking over my credit report I was really surprised when I saw a late payment from XXXX of 2017. 
I honestly don't even know how this could have happened, since I always make my payments to you when I get the statements. The only thing I can think of is that the statement must have gotten lost in the mail.
Product: Debt collection

Today, Monday XX/XX/XXXX I received a voice message stating that there was a complaint being made against me and I needed to call back immediately because legal action was eminent. I called the given number and spoke to " XXXX XXXX XXXX' and gave them the reference number they left in their voicemail, and then THEY TOLD ME my full name, DOB, and SSN. Then they said that Wells Fargo Bank was proceeding with a lawsuit and trial against me for a balance to a closed bank account from XXXX, 20 years ago. I was shocked and dismayed, and they informed me to call Wells Fargo about it and to talk to the Chargeoff Recovery Dept. I did just that, and had recorded conversations about this. No one at Wells Fargo could locate this info, and said that maybe it was linked to a loan. After talking with the loan department, then XXXX XXXX, no one could find any kind of information about this. They seemed suspicious, and I was encouraged to call back XXXX XXXX and require them to give me a contact number or info for Wells Fargo. The woman on the line handed over the phone to her manager, who then said that this account no longer belonged to Wells Fargo and that I had to handle this with them. The man became very mean, lots of yelling and belittling. Then he asked how much I was willing to settle the {$2200.00} debt for, and I said I preferred to speak with a Wells Fargo Bank representative. This made him even more angry, and he threated legal action and attorney fees, then hung up on me. I was so terrified I called back Wells Fargo Bank and let them know what happened. The woman on the line checked again to see if she could find any information about this linked to me, and she could not. She consulted her manager, who then told her that Wells Fargo would never pursue legal action with me over this, nor go through a third party. She said this was probably a scam. So now I am very disturbed to know that they have my sensitive information, and I don't know what to do.
Product: Mortgage

XXXXXXXX XXXX XXXXXXXX filled a Summons and complaint on XX/XX/2021 under Cares Act, even they dont have the right to they are trying to get a judgment for foreclosure and Sale on XX/XX/XXXX @ XXXX there is a court hearing on XXXX county circuit court see summons attached
Product: Credit card

On XXXX I purchased a window from XXXX 's using my Macy 's American Express credit card. 
My window was damaged soon after install. I wanted to use my XXXX credit cards Purchase Protection. 
I contacted Macy 's whom said the card is an Premier Classic XXXX card but only has travel protection. 
All XXXX Premier cards have Purchase Protection. 
This card was issued by Department Stores National Bank ( Citi group/bank ) DSNB. 
I was lied to. 
This is not an XXXX card, and does not have the XXXX Protections. 
I would be open to a class action lawsuit against these companies for deceptive practices and the money I am out of pocket for using their card rather than a Visa XXXX which does have the protections no matter the issuer. 
I am not happy about being deceived into a worthless bank card with an XXXX logo affixed to its front. 
I am not happy with Macy 's for saying its an " Macy 's American Express '' credit card. 
This site shows the advertised premier XXXX card from Macy 's with list of protections : XXXX Protections listed include " PURCHASE PROTECTION '' as this a CO-BRANDED credit card. 
Macy 's is lying, as is DSNB, about its cards and protections. 
Thank you, XXXX
Product: Debt collection

Hunter Warfield {$15000.00} XX/XX/year> multiples of these
Product: Mortgage

I have been asking phh mortgage to reinstate my mortgage payments 6 times. Have applied for modification for 5 or may be 6 times. No help. Even as they say in they LOGO. We are here to help. They never help. I call and I talk to XXXX he is a special agent in the company the phone call fell. I left him 2 phone numbers. Left many messages. Never call back. Im behind on my mortgage. Went through hell during Covid. Trying to get back on my feet. There is a modification for a mortgage extension to 40 years. Why havent they offered me that extension. Why are they telling me to file bankruptcy. Is that help. What are they getting by doing that. Whats going on with this company.
Product: Debt collection

I received emails from XXXX XXXX ( XXXXXXXXXXXX ) re : a debt owed. They state I owe money for a loan that fell delinquent. 

When I asked them to provide me documentation of my original loan, balance due, payment history and how they acquired my " bad debt '', they responded that my paperwork had been " seized ''. If I do not pay them now, my file will go to court and that is when I can view the documents. I asked why are the contacting me if my file has been " seized ''. They could not answer the question, only told me to pay today to clear the matter. 

I copied all emails. The collectors are a company I never directly dealt with. Their information is : XXXX XXXXACE Cash Services ( XXXX ) XXXX
Product: Debt collection

On XX/XX/XXXX I sent a notice of dispute to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX to dispute the account XXXX. I never received validation or a response. On XX/XX/XXXX I receive a letter from a debt collector dated XX/XX/XXXX stating this is an attempt to collect a debt. I was confused because XXXX  has an arbitration agreement that clearly states I have a right to arbitrate so I sent out a letter on XX/XX/XXXX I sent out a letter requesting arbitration. I received no response. Clearly XXXX  is in violation of my rights as a consumer by selling my information to a third party debt collector without my permission. I asked that this account be removed from all consumer reports, ( XXXX, XXXX, XXXX ) closed and brought to a XXXX balance. I also ask that I be compensated for monetary damages as XXXX  is in violation of their arbitration agreement and the FCRA by selling my information to a third party without my permission.
Product: Credit reporting or other personal consumer reports

I do not consent to electronic communications. I request all responses be in writing through the USPS I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVEDXXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent {$75.00} dollars through usaa XXXX to another XXXX account. The women never responded back to get the item. I contacted usaa right away and they will not refund the money back. If this going through a bank account this should be protected
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report a negative item on my credit report referencing debt discharged in bankruptcy yet they continue to report the item to XXXX Equifax and XXXX First and foremost I do not OWE XXXX XXXX any sum of money and this account is not mine. I am attaching my SECOND Notice under Section 609 FCRA which requires a creditor to produce the time and date, authorization to pull or access a credit report in addition the FCRA requires XXXX XXXX to provide copies of any and all copies or agreements between myself and XXXX XXXX. As of the submission of this complaint, XXXX XXXX has not removed the erroneous item from my credit report nor has XXXX XXXX produced any of the required items under Section 609 FCRA, which makes XXXX XXXX in violation of Section 609 FCRA. Furthermore, XXXX, Equifax and XXXX  are comp, I it in these violations due to the fact that despite being duly noticed under Section 609 FCRA they have equally failed to ( A ) require XXXX XXXX to produce the required items under Section 609 FCRA ( B ) failed to remove and or delete the derogatory report issued by XXXX XXXX based upon the failure of XXXX XXXX to adhere to Section 609 FCRA. 

This makes ALL parties in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA. The aforementioned violations constitute serious breaches of The Fair Credit Reporting Act. The violation of the Fair Credit Reporting Act requires the immediate removal of the derogatory information being supplied by XXXX XXXX with regard to my credit file.
Product: Mortgage

I was denied by my servicer for a CARES Covid19 forbearance stating its because I had a CARES forbearance back in XXXX and completed in XXXX of XXXX with a partial claim. 
In XXXX of XXXX I contacted my servicer due to a major illness in my family due to XXXX XXXX causing a loss of income and causing work to be missed. Now I have fell ill to XXXX XXXX and then last week suffered a XXXX XXXX causing my hospitalization. My mortgage servicer Flagstar said that specifically HUD denied my CARES forbearance even though on my mortgage companies website it says that I have an active forbearance. I spoke with several managers and they all said that they're trying to fix it. I then got a call from an agent who said HUD denied me and there's nothing I can do. I sent over copies of emails from HUD stating I was in fact eligible for another initial forbearance based on the CARES guidelines updated in XXXX of XXXX. I asked for a copy of this HUD denial from Flagstar because I want to send it to HUD. Its been two weeks and I have not received a copy of this denial. I have spoken to several professional in the mortgage industry and they stated Flagstar is incorrect. The XXXX forbearance I had back in XXXX that was completed with a partial claim is not relevant to a new case of XXXX hardship. It would only be relevant if i never brought my account current but I did. Please help. My 401k company denied me taking funds out to cover my mortgage and this is not fair. I have read all the HUD guidelines on Cares and its clear that I would be eligible for a new initial forbearance. I just need help while myself and family recover and get back to work. Others are receiving this same assistance that I am being denied for.
Product: Debt collection

Dear CFPB, I was contacted by Lending Club who I recently filed a complaint with you about regarding my identity theft. They failed to report back through you with a very threatening email. On XX/XX/2022 I received an email from XXXX XXXX XXXX giving me a deadline to respond to within 15 days when in fact they should be communicating to you at the CFPB. This is an example of their unethical business practices and how they chose to ignore what I've been communicating for years. 

I responded back to XXXX XXXX asking him to only communicate to you at the CFPB. This account was a part of my identity theft and they are continually choosing to destroy my creditworthiness with an account they no longer own. I keep asking that they please follow FCRA reporting act with regards to furnishing information that is untrue. 

When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XX/XX/XXXX, I cosigned on a car lease with my estranged husband, with him as primary and myself as secondary. Later the following year we filed for the divorce and he defaulted on the BMW lease. As a result, I was forced to temporally pick up the payments and the lease was in good standing until the courts were able to intervene and force my ex-husband to agree to surrender the car and take on FULL financial responsibility for the arrears, including the late payments. After the courts assigned responsibility of the lease/debt, including the late payments, to my ex-husband I had notified BMW Finance and provided them the information hey had requested. 

Despite this and being able to substantiate legal responsibility as assigned by the courts, BMW Finance failed to rectify the issue and continued to report on my credit report, including the late payments that were assigned to my ex-husband during the divorce proceedings. BMW Finance also listed my ex-husband on my new vehicle as an authorized person, despite him not being listed on the sales agreement or credit application. The was a blatant violation of my privacy. It also exposed me and compromised the restraining order that I had in place against my ex-husband at the time. Of course, BMWs negligence in doing this provided my ex-husband temporary access to my account until we were able to correct the issue. BMW not only continues to incorrectly report late payments ( that my ex-husband was legally responsible for ) to my credit report, but have also added my ex-husband 's current address ( where I have never stepped foot in, let alone lived in ) to my credit report as one my previous residences. I am asking that in light of the aforementioned, that both late payments and incorrect address be immediately removed from all 3 credit reporting agencies. I also recently paid off another lease that was in good standing through the duration of the loan. BMW failed to report that the financial obligation was met and in good standing to the 3 reporting agencies. 

Thank you.