23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Rushmore 's online payment system misleads customers when entering bank account information. They request a nickname for the account, so when people enter more than one account it's possible to tell them apart. But then when your payment is processed, they transmit the transaction to your bank with the account nickname they requested as the account HOLDER 'S name. 

In my case, I have an account with XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX. I intended to set up automatic payments through the credit union once we get our days off back at my station. In the meantime, I entered my XXXX information to make payments. I nicknamed it " XXXX '', so later I could distinguish it from the other account on their site. 

When Rushmore submitted my payments, the transmission began with " XXXX '' when it should have begun with my name. So, the bank returned the transaction. The first time this happened, they pretended they didn't know what went wrong. I know they were lying and just wouldn't tell me because the second time it happened, they did know and told me they could see clearly what was wrong. 

Both times, I set up an additional payment to keep my mortgage paid. After the second time, I finally knew what the problem was, so I nicknamed my bank account with my name to prevent this in the future. 

I spent hours on the phone with Rushmore trying to communicate that I wanted to ensure that I suffered no negative effects as a result of their website 's problem. Their collections department and supervisors responded on a per-sentence basis with non-sequiturs, insulted me, and condescended to me. I finally gave up without even being informed of what consequences I would face for THEIR mistake. 

Now my account is restricted to certified funds only. This means I'll have to call into work once a month, travel to the bank, pay the fees for a cashier 's check, pay the postage for certified mail sent priority, and wait to see if they are honest about receiving my payments and apply them correctly to my account. Going by nearly every review this company has online, they're likely to cash the check and claim they never received it. 

We're not legally entitled to pay online. A company can choose to offer that or not. I understand this. But this company deliberately sabotaged my payments to make it harder to pay, and will not cost me hundreds of dollars a month in addition to my mortgage payments, to punish me for their failures. This shouldn't be allowed. Even just having to call in once a month could get me fired from the XXXX XXXX. They could cost my family everything we have, and we've done nothing wrong at all.
Product: Credit card

These inquiries were not initiated by me and I firmly believe they are fraudulent. I plead with you to conduct a comprehensive review and expeditiously erase them from my credit records
Product: Debt collection

Company has not contacted me for over 2 years regarding this debt. They called from an unknown number threatening to send police and contact my supervisor at work to find my location. Proceeded to contact family members and ask if I live there and stating they would send police to verify if I didn't contact them. I called as soon as I could. They proceeded to put me on a payment plan that is above my means currently but I agreed so they would not continue to harass me or my family. They did not give their name or any information other than the phone number and case number. I do not have anything in writing to confirm the payment agreement.
Product: Credit reporting or other personal consumer reports

Subject : Noncompliance with FCRA ( 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681c ( c ) ) Complaint : I am filing this complaint against XXXX for failure to comply with the Fair Credit Reporting Act ( FCRA ). Specifically : 1. Failure to Ensure Accuracy ( 15 USC 1681e ( b ) ) : XXXX  failed to maintain reasonable procedures to ensure the accuracy of information on my credit report, as evidenced by multiple inaccuracies I have disputed. 


XXXX. Failure to Correct Errors ( 15 USC 1681s-2 ) : Despite notifying XXXX of specific errors in my credit report, they have failed to conduct a proper investigation or correct the inaccuracies, violating their duty to investigate disputes promptly and thoroughly. 


XXXX. Failure to Investigate Disputes Properly ( 15 USC 1681i ( 5 ) ) : XXXX responses to my disputes have been inadequate, often containing generic responses or failing to provide any substantive resolution.

4. Failure to Exclude Obsolete Information ( 15 USC 1681c ( c ) ) : My credit report contains outdated or otherwise impermissible information that should have been excluded under FCRA. 



Additionally, I am aware of the recent CFPB enforcement action against XXXX, where they were ordered to pay {$15.00} XXXX for failing to properly investigate credit reporting errors. This highlights a pattern of noncompliance and further supports my claim that XXXX has violated my rights under the FCRA. 

Impact on Me : XXXX failures have caused me significant harm, including denial of credit, increased interest rates, and emotional distress. Their actions have impeded my efforts to rebuild my credit and achieve financial stability. 

Resolution Requested : I request that the CFPB take the following actions : Investigate Equifaxs handling of my disputes. 

Ensure that XXXX complies with the FCRA by correcting the inaccuracies on my credit report. 

Impose penalties or sanctions if appropriate. 


Attached are copies of my dispute letters, XXXX responses, and evidence of inaccuracies on my credit report. Thank you for addressing this matter promptly. 

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

To Whom It May Concern,. 
I completely disagree with the outcome of your investigation. Even after your examination, my credit report still shows the inaccurate things indicated below. For good cause, I would like these items to be looked into again right now. My credit score is severely harmed by these errors.

Additionally, in compliance with Public Law 91-506, Title VI, Section 611, Subsections A-D, and The Fair Credit Reporting Act, I require you to furnish tangible evidence of the information 's verification rather than a computer-generated affirmation.

I appreciate your time and assistance with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX. ) # XXXX, Account name : XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$1100.00} balance, XXXX XXXX XXXX XXXX XXXX {$830.00}, XXXX XXXX XXXX  XXXX XXXX XXXX {$690.00}, XXXX XXXX XXXX XXXX XXXX {$330.00}, XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 ) 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.

Chapters View
Product: Vehicle loan or lease

Capital one Auto Loan I have been a loyal customer of capital one and I lost my job during the pandemic of 2021 and went through a financial hardship. I accrued some late payments due to this situation. These late payments are damaging my credit report. According to consumer Law U.S. 1681A it is illegal to report late payments on my credit report which hinders my credit worthiness. I am unable to get approved for new line of credit and a mortgage loan due to these delinquencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several accounts on my consumer report are inaccurate. I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit reporting Agencies are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block and remove these files : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these itmes belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/year> SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is a request for validation made pursuant to the Fair Debt Collection Practices Act. 

I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty frustrating to be honest, but I know that mistakes happen. I trust you'll fix the situation. Here 's the wrong info : You should also be aware that sending unsubstantiated demands for payment through the United States mail system might constitute mail fraud under Federal and State law. 

You may wish to consult with a competent legal advisor before your next communication with me. 


XXXX XXXX - XXXX - I was never late on this item- This is paid as agreed and should not be reporting negatively on my report. 

I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payments showing here. 

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 

I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible. 

Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer and natural person, submitted a complaint through the CFPB to a collection company that pertains a collection account on my credit report. The collection account is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

The complaint numbers through the CFPB are XXXX and complaint numberXXXX
Product: Money transfer, virtual currency, or money service

I had been looking for a new laptop because of school, and since I didnt have enough to buy a new laptop I went online to look for a used one. In the ending of XXXX I came across a XXXX XXXX. This seller told me that they got two from a scholarship and that they could sell me one, so I asked if I could negotiate the price. Eventually, I got the price to {$300.00}. This may not seem like a lot but for me it is! He/She told me too use XXXX. I thought okay this is backed up by my bank, so Ill be safe even if something happens. I made the transaction and then the scammer says that they are on their way to ship my laptop out. Ive been waiting weeks and I have NOTHING! The scammer blocked my number and I found out that it was a fake number too! So my question is, if this is so safe then why is it so easy to make an account? There should be protection just Incase anything goes wrong. I understand this couldve been avoided if I wasnt being so cheap, but what can I do now? I have no money, I tried calling my bank they left me on hold for hours. I was told to make a police report, seriously so Wells Fargo cant help with anything??? I am very upset because I thought Wells Fargo would have my back with something like this but I guess not.
Product: Credit card

The following account is hurting my credit rating, credit standing, and credit capacity Citi [ Account # XXXX ]. Pursuant to section 623 ( b ) ( 1 ) ( E ) ( ii ) I am demanding that this agency removes this account from all of my consumer reports as it is inaccurate, incomplete, and/or unverifiable. This account was removed from a consumer reporting agency because it did not comply with the FCRA therefore as a supporting documentation, your agency now has a reasonable cause to believe that the furnished information is inaccurate and must be permanently removed from my consumer reports.
Product: Mortgage

My account has been paid off since XX/XX/XXXX, Midland is giving the runaround concerning my escrow surplus which is XXXX or so, I have contacted them 6 times, on my transaction history says my refund was sent XX/XX/XXXX, the last time I contacted them they told me my refund was going to be sent XX/XX/XXXX, I think they are trying to keep it as long as possible, I will be waiting for a response. Thank You
Product: Debt collection

Theres two accounts showing debt on my credit report that doesnt belong to me. 
The amounts for the debt is {$300.00} & {$290.00}. These accounts are under the name NCA NATIONAL CREDIT ADJUSTERS , LLC Under the FCA these accounts need to be verification & proof of document showing proof of this debt & without proof these accounts should be removed from my credit report at this time. This debt doesnt belong to me due to identity fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the ( 3 ) bureaus to fix this issue, but I have not been successful. This negative reporting is harming my credit score and these line items needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the following accounts. XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), You are required by federal law to verify- through the physical verification of the original signed consumer contract - all accounts you post on credit report. Otherwise. anyone paying for your reporting Services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

COMPANY 'S NAME : XXXXXXXX XXXX XXXX  UNVERIFLED ACCOUNT : XXXX XXXX XXXX SERVICE ACCOUNT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent dispute letters to XXXX, Equifax, and XXXX XXXX about inaccurate and incomplete items reported on my credit report. I sent it USPS certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX, XXXX XXXX XXXX XXXX XXXX for Equifax, and I need assistance in this matter.I will attach copies of the letters below for your reference.
Product: Credit reporting or other personal consumer reports

Signed up for basic membership when I thought I had a security concern. Now I am totally unable to cancel membership. Constantly bombarded with emails daily from them despite turning of all notifications from the website. You are unable to reach a human on the phone and there is no way to cancel online. Essentially impossible to cancel.
Product: Debt collection

Midland Funding has repeatedly sent letter to me to collect on something that I have questioned the integrity of. When I sent the second letter requesting proof of anything that I signed stating I owe money to said company they issued a Warrant in Debt which I am attending and defending myself on. Again I have sent a letter requesting all of this information along with information proving to me that I entered into an agreement with them, asking for proof of said original creditor has not been paid in full etc.
Product: Credit reporting or other personal consumer reports

there is an paid balance on my XXXX XXXX that was not mine back in XXXX
Product: Debt collection

I request that CHOICE RECOVERY INC # XXXX formally substantiate account data CHOICE RECOVERY INC conferred to the major credit bureaus for me, XXXX XXXX , with respect to the unverified account # XXXX. Since errors may be  contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction after my time as a student. I need more than a summary one-sheet. Instead, I have demanded a substantive validation. Should you be unable to comply with my request during this reasonable period, any data disseminated from you to the major consumer reporting agencies must be considered counterfactual and may bespeak CHOICE RECOVERY INC desire to ignore consumer protection law. If this is the circumstance, kindly annul such bureau reports upon your next transmittal. 
Thanks sincerely for your assisting me.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$590.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.