23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My home loan was sold to Rushmore Loan Managment Services in XX/XX/XXXX with my first payment due XX/XX/XXXX. My previous mortgage company allowed me to make bi-weekly payments, which they would hold and then apply to my payment that was due the first of each month. They also applied any additional money I sent them over my payment amount to my principal. I was not aware that Rushmore didnt allow bi-weekly payments, so my first 3 months of payments were occasionally applied incorrectly. In XX/XX/XXXX, I noticed on my online mortgage account that they were showing I was a half month behind on my payments. I called Rushmore and they found 1 payment that had been applied 100 % to principal. They advised me they would reverse it and apply it to my payment amount and that I would then be caught up. I called two weeks later as I saw on my account that I was still showing behind and now I was a month behind as opposed to the half month it showed two weeks prior. Rushmore advised they would email the Cash Management department and have them review all of the payments I had made and they would call me in two days. I never received a call back so called again and went through the same conversation again. They again told me they would email the Cash Management department along with the Customer Service Manager and get back to me in two days. They still did not call me back so I called again and asked to talk to the Customer Service Manager. I went through everything with him again and he asked me to fax him my bank statements showing proof of all of my payments. I tried to fax him 10 times and the fax number he gave me didnt work. He also gave me his direct phone number and that also did not work. I mailed my bank statements with a written request for an account review, which they show they received on XX/XX/XXXX. They sent me their response on XX/XX/XXXX stating their records are correct and I am one month behind. I called them again and went through the same conversation again and asked for proof of what they did with every payment I have sent them. They told me to submit my request through their online message center and fax them my back records again and they would review the account again. I dont know what to do at this point as I have already provided them all of the proof of my payments many times since XX/XX/XXXX and they arent correcting anything. On top of all of the payment issues, they also did not pay my homeowners insurance automatically as they should have so I had to get them on the phone along with me and my insurance company so they could send them the check. Rushmore was typing up the check while we were on the phone and said the check would go out the next day. A few weeks later, I received a letter from my insurance company stating they cancelled my insurance as the premium was never paid. I called Rushmore and they admitted they never mailed the check. I had to get on the phone again with Rushmore and my insurance company so a rush payment could be sent which they finally did send this time.
Product: Vehicle loan or lease

This complaint relates to a totaled XXXX XXXX XXXX. The car was towed to BMW Account # XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. The car stayed there about a week when I was told by the service manager XXXX XXXX to come get my belongings out of the car because it had been totaled out by XXXX XXXX XXXX. And was being towed away. I received a refund check for the state taxes I had previously paid for the car from XXXX and everything seemed to be fine. On my way out XXXX the salesman came to talk to me and stated that since my old car was totaled I should purchase a new car. I told him I was not interested in paying this much again. His manager came out and showed me their loaner cars and said that's what his family drove brand new with just a few miles on them. I paid them {$3000.00} on the spot. I also paid my car payment and had recently paid my car which was totaled on XX/XX/XXXX which was {$530.00}. A week later I receive notification that XXXX had not added a sports package to the assessment and that the car was NOT totaled so I needed to pay them again. I explained I could not pay for 2 cars since they had assured me that the car was totaled. They tricked me into believing that it was paid for. I have been with them since XXXX with no late payments and I am asking that this late payment be removed this is a dispute between them and XXXX. BMW financial is saying they have no control over what their lots do and are not affiliated with them personally. I explained to them they have the same name, the same logo and this is where I purchased my last 3 cars and no one told me otherwise. I even called BMW for a tow service they refused and this led to the car being ruined. Had they come when I asked the vehicle would have never been flooded. For a car over 50k they should have made an effort to get it themselves rather than making a claim. BMW is ruining my credit I called them at least 6 times requesting they work this out with XXXX because they were made aware that XXXX was reassessing the damage. I want this mark removed from my credit. I have not had a late payment on my credit. This is taking it down to fair status when previously it was good and as we know these marks last for upwards of 7 to 10 years.
Product: Credit reporting or other personal consumer reports

GLOBAL CONSULTING AGENCY IS ILLEGALLY ATTEMPTING TO COLLECT DEBT WITHOUT A LICENSE TO COLLECT IN THE STATE OF GEORGIA ON ACCOUNT : ( XXXX XXXX ACCOUNT XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX
Product: Credit card

On XX/XX/XXXX I was offered to open a credit card from Capital One and after almost 11 months my account was closed on XX/XX/XXXX and was not explanation why went I call the bank but instead I was offered to re-applied for a new card. 
On XX/XX/XXXX I decided to applied for a Capital credit card ( I was receiving many offers to applied for a credit ) and 15 days later on XX/XX/XXXX my account was closed and this time went I call the bank to ask for an explanation why they close the account again after I talk to them before I applied again and the representative confirm that was no problem that they can see and restrict me from open an account. At the end they closed and the explanation was the underwriter and internal investigation find that i was not allow to have an account open with them I ask what was the problem so I can resolved it in my end and they denied to inform me about or give me more info. So I call all the credit report agencies and consumes report agencies doing my own investigation and I could not find anything that could affect me from getting a credit card or any type of loan in fact I had credit cards, bank accounts and car loans opens with not problem I call all of them to see if they see any wrong or bad information that can be affecting me about this matter but everything was ok. Also my wife add me to her Capital one account trying to see that may was something else and Capital one canceled my card and threaten her saying that they will close her account if she add me again we even ask if all this issue with me not allowing to have a Capital one credit card account open was because the Bankruptcy that was Discharge on XX/XX/XXXX but was XXXX but 's XXXX was that my wife was on that Bankruptcy with me and she has an account open until today 's day and XXXX is that the bank denied that was the reason.. 
Since that day I been receiving offers at all the time trough the mail and the email to apply and I don't understand why I still receiving this offers if They don't want me with them with out an explanation why they still sending me offers. 
On XX/XX/XXXX I applied again thinking that everything was resolved or over but not. I went to Capital One Branch to find out if was anything that can keep me out from open an account and they did not find any problems from me to open I also call the credit card department to find the same think if there was any problem or restrictions that will not allow me to open an account and they said that everything was ok so I got my account open but on XX/XX/XXXX my account was closed with again with the explanation of that " Capital One has observed activity on a pass or present Capital One account that is not consistent with anticipated account activity based on Capital One 's account opening and ongoing due diligence. I ask for more explanation but I was denied. I ask them that this may be an error may be due to some one else with the same name or someone else open an account on my name with out me knowing if they can give me a little be more info so I can take steps to resolve any issues that I may have but as per them I do not have one.
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I have sent in multiple letters regarding this matter, if it's not fix, I'll be taking it to court, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities. 
Attached are my verification of identity and FTC police report.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Consumer XXXX : XXXX Consumer XXXX : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA XXXX ( XXXX U.S.C. XXXX ) that you : The Credit Reporting XXXX XXXX XXXX and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaint. This FraudulenXXXX 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 ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer XXXX Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My XXXX Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a XXXX XXXX, Identity Theft and XXXX. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA XXXX ( XXXX U.S.C. XXXX ) that you : The XXXX Credit XXXX XXXX XXXX XXXX and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving said complaint. I request that all written confirmation ( XXXX ) regarding this CFPB Complaint be sent via email to the email address : XXXX -Attached below are supporting documents -A Letter formally detailing the information of my dispute -Copy of US Issued ID XXXX Proof of Identity ) -Copy of a SSN ( Proof of Identity ) -FTC ( Federal Trade Commission ) Identity Theft Report
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. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) 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, credit repair services, or other personal consumer reports

Experian has reported an inquiry without any permissible cause. A violation of FCRA rules section 1681. 

XXXX card services, inquiry date XX/XX/2020 2020
Product: Checking or savings account

Im filing this complaint against Navy Federal Credit Union regarding multiple overdraft fees I incurred. Despite having sufficient funds when transactions are authorized at the time of purchase, I was charged fees due to the delay posting of my charges and credits. This discrepancy aligns with the recent CFPB report/investigation Navy Federals practices , where transactions are settled with insufficient balances despite available funds at the time of purchase. The line of business and lack of the processing department protocol is not ethical to my day to day business with Navy Federal. Also, in addition to the overdraft claim, Navy Federal continues to add a deposit that was not authorized on the date of approval. Meaning, if you have a deposit from an employer on Friday, another deposit from a third party to be deposited into your account on Tuesday, Navy Federal adds the Tuesday deposit to the Friday deposit and deduct your transaction from Friday vs Tuesday. I am requesting an investigation to my account in its entirety due Navy Federals lack of accountability.
Product: Debt collection

I believe a credit card closed due to fraud use was used by XXXX XXXX XXXXXXXX XXXX XXXX XXXX, WI XXXX claiming I purchased clothing from them. I never heard of the company until I received a statement claiming I owed XXXX # they gave XXXX XXXX XXXX XXXX. No date of purchase or items listed sizes etc was given as to proof of purchase? I have attempted to contact them to no avail. This is now lowering my credit score and would like you please to look into it. 
Thank You PS my first name is mis-spelled
Product: Checking or savings account

On XX/XX/2020 I was charged fraudulently by a fake company XXXX, online in the amount of {$42.00}. Citibank did not investigate the matter and when I called them to inquire about it, they misled me and told me it was still being investigated when they had closed the case and I couldn't get my money back. 

On a second occasion of XXXX XX/XX/2020, I reported Best Buy had charged my account for something I didn't have and a purchase I didn't make that came to a total of {$69.00}. They lie about giving customers their provisional credit and fail to investigate the matter. 

Citibank is federally insured and they make money off the customers with their money in that bank. Individuals don't have their money secured by an institution who is just money hungry to get customers money. What good are they as a bank to do this. They falsify information and mislead customers. 

I have been with this bank for about 14 years for them to be doing this now. They are lazy or either incompetent to do something like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom may concern, i am unaware of any awares of these so called charges.i am just becoming aware of this charges to my credit account. i dont know who placed it on my account but, i will like it removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX : XX/XX/2025 To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request to Update Public XXXX XXXX XXXX Number Dear XXXX Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Bank account or service

I have been banking with Citibank for 4 years, 2 weeks ago I opened a savings account, funded it with {$3000.00} only to be told a week later that they were closing it due to XXXX. No one will give me any information, I have never banked with another company. They is on the verge of destroying my credit. My rent, car note, car insurance, loans and credit card payments all come out of that account. No one will give me a bank account. And I have done nothing wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  was disputed on  XXXX / XXXX / XXXX  with   XXXX   XXXX   XXXX  . Chex Systems has been disputed on  XXXX / XXXX / XXXX . My daughter had a student account attached to my accounts with  XXXX . She submitted a fraudulent check through the ATM. This is the only way a student account can do banking is through the ATM. When   XXXX   found the check to be fraudulent  XXXX  shut down all of our accounts INCLUDING my Husbands that had nothing to do with my daughter 's account. Attempted to resolve with  XXXX  and no luck. Attempted to resolve with  XXXX   XXXX   XXXX   XXXX  , Chex systems, and no luck.  XXXX / XXXX / XXXX  Today I have found that I can not open any accounts and have found myself without banking for businesses.  Real Estate and Construction . I am not able to write checks to employees or conduct business. I am desperate to talk with someone to help the situation. Please help.
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Report shows this account was opened XX/XX/XXXX. The account status is paid/closed as of XX/XX/XXXX. The responsibility is as individual, and the original amount was {$310.00}. This account states that the original creditor name is : XXXX XXXX XXXX XXXX. I have no knowledge of this account. I have no knowledge of XXXX XXXX XXXX XXXX. I have no knowledge of XXXX XXXX XXXX Remove this account from my credit report at once. I have never in my life heard of, nor done business with any of these companies.