23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Received mortgage modification packet from Rushmore Loan Management Services XXXX/XXXX/XXXX due to possible foreclosure. Returned packet XXXX/XXXX/XXXX. Was told at that time all proceedings would stop until further notice. Received a denial letter on the modification XXXX/XXXX/XXXX but to contact them for options. Contacted Rushmore XXXX/XXXX/XXXX to discuss options. Contacted a relator XXXX/XXXX/XXXX to place property up for sale. Recieved first payoff from XXXX dated XXXX/XXXX/XXXX good until XXXX/XXXX/XXXX or a daily per diem, house officially listed XXXX/XXXX/XXXX, received offer XXXX/XXXX/XXXX. Contacted Rushmore XXXX/XXXX/XXXX that property was sold. Was told at that time to stay in touch every 10 days on process and not to worry about anything. Closing was to be approx. XXXX XXXX or XXXX. Contacted Rushmore again, received second payoff dated XXXX XXXX, XXXX good through XXXX XXXX. Loan signed XXXX XXXX, XXXX, funds disbursed XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX Rushmore contacted my relator my email that amount sent was incorrect and to send more money. XXXX/XXXX/XXXX, I contacted Rushmore and at that time they stated the payoff statement sent was not correct, was n't caught by them nor the title company. Explained funds received had been disbursed, was told to bad, gave me an amount needed to be wired. Rushmore stated they would send the wire back and cancel the sale. Also on XXXX/XXXX/XXXX Rushmore contact XXXX XXXX wanted more funds, gave them a different amount to be wired. I tried to negotiate an amount with Rushmore stating the funds received had been used and Rushmore could n't of cared less, they stated to me I was the victim but they were not willing to negotiate for any amount. Emails began between Rushmore and XXXX, XXXX/XXXX/XXXX with different amounts being requested each time. At this point Rushmore was not returning any calls nor willing to take responsibility for there error. They then added additional costs that were not represented on any payoff statements. Forced placed insurance for {$500.00} which the property had insurance on it and they had copy on file and a foreclosure fee {$420.00} to which was never disclosed. XXXX sent an additional {$8800.00} to Rushmore XXXX/XXXX/XXXX by wire, then asking for confirmation of loan closed and lien released and to date have not received such confirmation. As for the force place insurance, contacted that department XXXX/XXXX/XXXX, was told error made, would refund {$500.00} directly to me and would call me with confirmation. Again nothing, call Rushmore XXXX/XXXX/XXXX was told refund sent to the loan which at this time was told : oh, sorry loan closed, we will send it to you in the mail in about a week. I now owe XXXX money due to Rushmore 's errors and bait and switch of amounts to be paid. I 've lost wages at my employment. 
I do n't have the funds to pay the title company as I had other obligations that were paid from proceeds. At this point, I know Rushmore needs to accept responsibility and refund myself or the title company or both.
Product: Credit reporting, credit repair services, or other personal consumer reports

# XXXX XXXX XXXX XXXX XXXX - Alleged Closed Account # XXXX XXXX XXXX XXXX XXXX - Alleged Closed Account # XXXX XXXX XXXX XXXX - Alleged Closed Account The above items are not recognized as not belonging to me.
Product: Money transfer, virtual currency, or money service

On XXXX I have conducted the payment in the amount of XXXX USD from my company 's account with XXXX XXXX account of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX. JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  LIMITED under their internal policy refund the payment to intermediary bank in amount XXXX USD. On XXXX XXXX, 2022 XXXX was designated under the Executive Order 14024. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to XXXX. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to XXXX for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, XXXX may not locate the records of the blocked payment. On XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXX XXXX  asking them to clarify if the payment was blocked and reported to XXXX and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to XXXX for a license that is necessary to unblock my funds.
Product: Checking or savings account

I was scammed on my Wells Fargo account. I applied for a job through my community college ( XXXX ) here in XXXX XXXX and took a job as a XXXX XXXX XXXX XXXX XXXX XXXX The job required for us to do some task for them, they would send a cashier check for us and we were to deposit it in our account. So once the first check came in I deposited to my account, and the bank accepted. Once the check was accepted ( XXXX ) my task was to send money to a charity through XXXX. the check was accepted of {$1500.00} without pending and i figured the money was good to send. the next day ( XXXX ) the check bounced back and my account was over drafted {$1300.00}. At this time i realized it was a scam and called Wells Fargo to report a scam and start a claim that same day. I made a few follow up calls between the 10 business days for the claim to be processed. on XXXX i called for a follow up because it was passed the 10 business days with no answer or email from them. Wells Fargo stated my claims were closed and denied.
Product: Credit reporting or other personal consumer reports

I paid off this loan on XX/XX/year>. They have failed to report this loan as being paid off which has continued to damage my XXXX XXXX. Due to this I was unable to get medical loans because I owed to much. This was over XXXX that was paid to them. I have called multiple times asking for my paid off letter and other information so I could dispute this but they have failed to give me that. Numerous supervisors have given me information saying it was reported as closed and paid off. I also never received any letter saying it was paid off and the account was closed. They are causing me financial damage everyday of this being reported on my account. Every time I call they give me a different date it was reported and the last supervisor stated to me she could not give me anything in writing saying it was paid off. This company is SHADY
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX has put a collection on my credit report that was not mine. I contacted them and had it removed. Now the phone calls have started again for this collection that is not mine.
Product: Credit card or prepaid card

A new credit card sent to me via US Postal Service never reached me ; it was stolen from the mail and used fraudulently for over {$17000.00} in purchases in two days, XX/XX/XXXX and XX/XX/2018. It was supposed to have been mailed on XXXX XXXX and to be received by XX/XX/XXXX. I called several times between XXXX XXXX and XX/XX/XXXX about it ( because I had been hoping to use it for an expense due by XX/XX/XXXX, and I was traveling XX/XX/XXXX-XX/XX/XXXX ). When I returned from that trip and saw that my card had not arrived in the mail as promised and expected, I called and was sent a new card ( via courier service ) with a new card number. I did not know about the fraudulent charges until I received the first bill for the card, in early XXXX, showing a credit balance instead of showing the almost {$4500.00} I had charged and did owe. I called to ask about the " credit '' and stated that I wanted to pay what was due because I had made the charges ; they told me to wait for the next bill. I was told that an investigation was underway, and I was given a " security credit '' for some of the fraudulent charges, which totaled more than my authentic charges - hence the " credit balance '' situation on the first bill. Now I have received the second bill, and I see that the security credits have all been reversed and Citi Bank is saying that I am liable for the purchases. I had no idea that over {$17000.00} had been charged fraudulently, until I saw this bill showing the reversal of all the security credits. They never contacted me about this, except for one call from a woman in the investigation department. I later tried multiple times to reach her, leaving her messages with no response - as well as calling customer service, security, and the fraud department multiple times about the problem, and being told I should contact that same woman. Today I went into my local Citi branch and asked for help in contacting the right people to resolve this. On the phone, I was told that that woman no longer works for the department and that my case has been assigned to someone else. Neither the woman nor the newly assigned man ever contacted me after that initial call I had with her. I was not even in XXXX, the city where the fraudulent charges were made, on XX/XX/XXXX ; I was flying home to XXXX from XXXX XXXX California. I definitely did not receive the card that was used for fraudulent charges, did not make the fraudulent charges, and should not be held responsible for the charges. I would appreciate your assistance in having Citi restore the " security credits '' so that I am responsible for the charges I did make on the card I did receive, but not for the charges made fraudulently on the charge I didn't receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that you are reporting incorrect personal information on my credit report. I need the following information updated as soon as possible. 

My only names are : XXXX XXXX My current address is : XXXX XXXX XXXX XXXX GA XXXX My current phone number is : ( XXXX ) XXXX My current Employer is : XXXX GA XXXX XXXX Please remove the following personal information from my credit report. My identity has been mistaken. 

Incorrect Name : XXXX XXXX Incorrect XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX, XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX Incorrect XXXX XXXX XXXX Ga XXXX XXXX, XXXX Georgia XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX Georgia XXXX
Product: Checking or savings account

Last year Chase has mismanaged my CD ( the CD was reopened after the maturing date against my will and I didn't have access to my funds ), then I complained about it to XXXX  and CFPB. 

After that incident Chase retaliated against me by ignoring all my phone calls and eventually closing all my accounts. 

Now I am being told that I can't access any of my Chase accounts, and all my funds are stuck for a total of at least 17 days before they will send a check out to me. 

Since Chase was my primary banking account, I now have hardship to pay my daily bills since I have no account or funds for 17 days. 

I asked Chase for help or explanation, but they refuse to give me any information. 

This is the fundamental issue that the US is facing at the moment. We allow cooperations like Chase to do whatever they want without any regard for consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX  of XXXX  I was applying for an apartment and they could not run a credit report because of a fraud lock on my credit. I had never placed a fraud lock or credit freeze of any kind. I tried making an Equifax account and the website blocked me, citing error code " NH ''. I reached out to Equifax and they asked for me to send a copy of my Driver 's License and SSN card to a XXXX XXXX so they could prove my identity. I never received confirmation that they processed my documents and called again where they asked for me to send my sensitive information through the mail again. I declined to do this and had my mother sign as a guarantor for my apartment to bypass this issue for the time being. Now to this year I am looking to move again. In XX/XX/XXXX, I attempt to make an online Equifax account and get the same error code " NH ''. Call Equifax again, mail my documents again, and wait. End of XX/XX/XXXXXXXX  I call and inquire about the status of my documents. The agent tells me I was misinformed by the previous agent I talked to and sent my documents to the wrong XXXX XXXX XXXX This agent gives me a different XXXX XXXX address and ensures me that it is the correct one. I hang up and call again to cross reference with another agent the XXXX XXXX address. They give me the same one as the agent I had just spoken to. On XX/XX/XXXX I send my Driver 's License and SSN card, along with a cover letter, to the new XXXX XXXX and wait the recommended 7 - 10 business days for them to receive and process my documents. I call back on XX/XX/XXXXXXXX  and XX/XX/XXXX, and they say to wait and that I can not talk to a supervisor because they will tell me the same thing. They only recommend that I send my documents again. I do not send my documents again and call back on XX/XX/XXXXXXXX  where they now tell me it will take 30 calendar days to process my documents. At this point I have sent all the information anyone would need to steal my identity through the mail 3 times to a XXXX XXXX that does not process my documents or at least send confirmation that they have received them. I have not been able to rent an apartment or apply for a credit card due to this issue. I have been given conflicting information from Equifax agents about XXXX XXXX XXXX, time lines, and whether or not I would receive mail confirmation. I have since made accounts with XXXX and XXXX XXXX without any issue, but the block from Equifax continues to prevent me from any activities that require a credit check. This issues is ruining my life.
Product: Debt collection

XXXX XXXX collector has purchased my debt without written consent. has kept harassing me even thought i have paid debt with original creditor and refuses to remove from my credit history. cease and desist has been mailed to them multiple times they have threatened to come take me to jail. to come to my home and " get what they want '' and have kept calling my phone as well as sending unreasonable amounts of mailed items repeatedly
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX specifically debt XXXX falls under XXXX as defined by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I have incurred debts that are a direct result of this criminal activity. 
Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX 
According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from human trafficking within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. 
I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. 
I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have talked to Equifax three times, with the last date being XX/XX/XXXX. I have explained to them ever since the data breach I can not access any credit information, my report says there is none to report. It also shows the last credit score in XX/XX/XXXX. This issue has caused be to be denied a loan because my creditors are unable to look up my information. I was told several times, this would be corrected and technical support would reach out to me, but the issue still remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

My previous student loan servicer ( Navient ) has turned my student loans over to Dept of ED/XXXX. I have disputed inaccurate items on my credit report. However, they are reporting these items as accurate. I have an 11 year old account on my report with a last report date of XX/XX/23. These actions violates ( FCRA ), 15 U.S.C. 1681
Product: Credit reporting or other personal consumer reports

XXXX  XXXX - XXXX : This account has never been late. I have demanded proof of statements under 1666b billing error. Nothing has been provided. I demand this account be updated to never late. 

XXXX XXXX - XXXX : This account has never been late. I have demanded proof of statements under 1666b billing error. Nothing has been provided. I demand this account be updated to never late. 

XXXX  - XXXX : This collection is reporting as an account. There should be no payment history for a collection account. This needs to be deleted immediately. 

XXXX - XXXX : No methods of validation have been provided for this collection. Please provide proof or delete immediately! 

XXXX XXXX XXXX - XXXX : Both XXXX and XXXX have deleted this erroneous account. Delete this immediately! 

XXXX XXXX XXXX - XXXX : This is not mine. I have asked for validation and nothing has been provided. Delete this immediately. 

XXXX XXXX - XXXX : This is not mine. I have asked for validation and nothing has been provided. Delete this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached. Would like an explanation what is the amount of unpaid, as well as what types of fraud USAA has reported to XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I had a loan with a payday loan place that I paid back but then i got notice that i hadn't paid everything. Not i see that there is a collection on my credit report for the full amount. I have tried asking the compnay for a debt verification and recieved nothing in return. Please help me to have this company stop attempting to collect a debt twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 36 months I have had a blank credit file it does not show my name or my account closed or otherwise and it automatically says they can not give me a score ( obviously since it doesnt show I exist. I have written them called several times spoken with supervisors as recent as today and still no resolution Both XXXX and Transunion however does not give me access to any online account info at all nor do they respond to my calls or allow me to input my personal info to get a live person or respond to my letters
Product: Checking or savings account

Business Name : XXXX XXXX XXXX XXXX XXXX Name : Fifth Third BankXXXX XXXX Ohio ( Owns the bank ) On XX/XX/2021 I called and spoke with Representative # XXXX and told her I wanted to cancel my debit card. She asked had I been defrauded and I responded no. She said she would not cancel the card. I informed her that I am the owner of this company and this card, I do not want this card used anymore, All prior authorization has been revoked and therefore are no longer authorized to use this debit card and I want the card cancelled immediately. She said she cancelled the card and was sending the new card as requested. I agreed to pay {$30.00} to overnight the card so that I would have one for my account asap. I received the card the next day as agreed and immediately filed the card in a safe location and never used the card to date. 

Today, I noticed a transaction on my checking account that was charged to the new card I never used. I checked mu account with the creditor and the old card number was on file, not the new one. 

I called Fifth Third and spoke with XXXX, a manager in business customer service. She explained Representative # XXXX did not cancel the card as instructed. She replaced the card and transactions would go through with the old card number. 

I am sending this complaint to you because Fifth Third has a history of unethical practices and routinely ignores the authority of the account owner and does at it pleases. The original representative # XXXX clearly did not want to cancel my credit card as instructed. Her personal preferences were used to control by account and my money. This is unacceptable and should not be tolerated. 

While XXXX apologized, refunded my {$30.00}, has cancelled the new card and is sending another, this does not excuse the fact representative # XXXX acted inappropriately, she failed to tell me what she specifically did to my debit card therefore her actions were fraudulent.
Product: Credit reporting or other personal consumer reports

There has been an identity theft on my transunion credit report as someone is trying to apply for credit cards using my name and my SSN. There is an unauthorized hard enquiry on my transunion credit report with the name XXXX XXXX XX/XX/year>