23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is my first time disputing this matter i have an account open on my credit report that i gave no authorization to be on my report. I do not owe any dept from this place not sure what it is exactly or whats it for. The account was opened XX/XX/XXXX an is still on my account as of XX/XX/XXXX. I have disuted a previous charge on my account with a similar balance of XXXX dollars that was owed but i have resolved that issue due to a family member claiming my identity. Im thinking this is also there dept
Product: Debt collection

This company continues to report false debt on my credit report. After trying to validate this debt, they lacked the information that would prove it is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in a auto accident in XXXX of XXXX I was rushed to the ICU trauma center anyhow the car was deemed a total loss. My insurance company took time paying off the balance of the loan plus I had GAP and, Did make payments. I filed a complaint on XX/XX/XXXX with CFPB XXXX XXXX sent a letter and, attached that same letter to complaint XXXX stating they were going to report to all major credit bureaus with 0 30 0 60 0 90 paid and, closed, and they did due that for one month only and, as, soon as the CFPB complaint was closed bam they reported same negative that they removed to my credit report
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been subject to unlawful use of a credit card in my name ( SSN ) on XX/XX/2023. I was denied credit in order to attain XXXX Pickup Truck on this date, yet there remains an inquiry on my credit report, meaning that there was money transferred, or made with the use of my SSN ( credit card number ) & I have not benefited from this action, as I was denied the extension of my credit. This is a clear violation of 12 CFR 1002 ( Regulation B ) & considered credit discrimination. I am a creditworthy consumer & I can not be denied an extension of my own credit, much less by a business who intends to use my information for profit.
Product: Debt collection

I have disputed with the credit bureaus about an account I seen on my credit report, they came back saying the account was verified. I asked how was it verified they claimed I had to call the collection agency. so I called XXXX XXXX/ RESURGENT and asked how did they claim the account was verified they said just by my social. the first person I spoke with as named XXXX, who on a recorded line stated they only verified using my social security number no other identifying information was given from the original creditor. if I wanted more information I would have to write them for it. why would I need to write them for more information when she already told me they just had a social to verify it. where is the contract signed, dated with proof of my identity that was used for the account in mention? there was non. so iasked to speak to a supervisor which her name is XXXX, she was no help at all. she said we can dispute it again I asked how would you verify the account is mine? she said by social. so no one has physical proof of this account? nothing more than a social security number? that's how people get over on things because no one asks for photo ids along with social security or other identifying documents, so much identity theft in the world.
Product: Mortgage

Im writing to express my deep disappointment in Rushmore Loan Management, Rushmore Servicing and Mr. Cooper. Allow me to explain...

When my loan was held by Rushmore Loan Management, I was asked to provide a copy of the XXXX policy ( see attachments ). I provided evidence of this, but then was notified that they purchased an XXXX  policy for me and included it in the escrow. I was unaware of this until the loan was transferred to Rushmore Servicing. At that time, Rushmore Servicing continued to escrow for the XXXX  policy knowing the policy was covered under my HOA ( XXXX XXXX ) since the inception of the loan in XXXX XXXX. 

I have spoken to several Rushmore Servicing agents, escrow department, insurance department and loss mitigation department over the year to update my policy, but unfortunately, that has not occurred. This issue has now cost me {$2000.00} to bring my loan up to date and escape foreclosure scheduled on XX/XX/XXXX. I made a payment on XX/XX/XXXX of {$2000.00} and hope to rectify the problem by recovering the overcharged amount for an XXXX policy from XXXX XXXX to today. My loan payment was {$490.00}, but since Rushmore Servicing was charging me for XXXX insurance, the loan payment increased to {$580.00} for the period of time in question. I understand that Rushmore Loan Management is no longer in existence and transferred all loans to Rushmore Servicing ; therefore, I can not contact Rushmore Loan Management directly. I was also information that my XX/XX/XXXX payment was not received which isn't correct ( see payments attached below ).
Product: Credit reporting or other personal consumer reports

I have recently reviewed my Consumer report and noticed fraudulent accounts opened on my behalf. These fraudulent accounts consist lines of credits with the following creditors " Citizens Pay Line of Credit '', and " Valor Intelligent Process '' .These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting

I wrote Transunion over a year ago telling them I agree with their investigation and to take accounts out of dispute. They did not and I now can not get a home loan
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries currently listed on my XXXX, Experian and XXXX XXXX credit report are all unauthorized and not my hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Mortgage

On this date I received a check for my excess escrow in the form of a check addressed to my ex-husband and me. This is NOT acceptable. I will not be cashing it. If they think I am going to go find my ex and beg for him to sign it and give it back to me, they have another thing coming. Both FHA and servicing providers need to do a better job of protecting the emancipated and sentient value of single women. I will not be paying them to enhance their hedge fund while my hedge is being cut to shreds. PennyMac can't even get an address correct... they still have me living in an apartment when it is a condo which is a UNIT. I have told them this over and over. They have even sent me tax information for my ex-husband using his SS number as a reference. Easement and right to entry to my property by XXXX was ended in XXXX and officially by divorce final in XXXX all documented respectively. I can prove everything I say... including his first new address at the XXXX XXXX down XXXX XXXX!
Product: Student loan

I am a XXXX and I have a large amount of debt from XXXX school. I have been on Income Based Repayment ( IBR ) since I started XXXX in XXXX XXXX. Later in XXXX, when it was time to re-apply for IBR, I filled out all of the paperwork and submitted it on time. I received confirmation that my paperwork was received, and ultimately it was approved. When my first bill for XXXX XXXX came, it said I owed over {$1700.00}, where my payments listed on the IBR approval were only ~ {$400.00}. I called and was told there was nothing to do and that I owed the $ 1700+. I requested to talk to a manager and was repeatedly refused until the person finally agreed. I spoke with several managers, and was repeatedly told that they did n't know why, but my IBR payments do n't start until the following month. No one could tell me why, since the paperwork was on time. I told them that I could not pay it, and they repeatedly said that the only option was to put my loan in forbearance. I told them I should not have to do that because I can make appropriate IBR payments that have been approved, but they said the only way to not have to pay that $ 1700+ was to enter forbearance. They told me they could put it in forbearance for just a day, then I could make the IBR payments. I did not want to be placed in forbearance since that messes up my consecutive payments and also uses up my forbearance, but they gave me no other option. 

Additionally, my first year of IBR my payments were ~ XXXX per month. The following year, where my income increased by over {$5000.00} per year, my payments were ~ {$180.00}, which did n't make sense to me how that could happen. I called multiple times to make sure I was paying enough, and no-one would tell me how it was calculated or why the new IBR would be lower given my higher salary. I explained why it did n't make sense, and the people agreed it did n't make any sense. They told me not to question it because the payments were lower. I am now concerned that these payments will not qualify for federal student loan forgiveness programs. 

Every time I call them, I get a different answer for the same question, and I have been told multiple times things that are not true. I feel like they are always trying to get me to go into forbearance. Now all those documents are gone, because they only post them online. I did n't think to print them, and they are gone after 12 months online.
Product: Credit card or prepaid card

I am the consumer, original creditor and natural person. US Bank has denied my right to credit as I applied for a XXXX XXXX XXXX XXXX XXXX credit card account in XX/XX/2022 in a consumer credit transaction. Pursuant to 15 USC 1681a ( k ), US Bank violated federal law by denying my credit application. US Bank also discriminated against me pursuant to 15 USC 1691 ( a ) ( 3 ) because I, in good faith, exercised my rights to credit by making an application pursuant to 15 USC 1642. Pursuant to 15 USC 1605, a finance charge was involved in the consumer credit transaction I initiated however, US Bank failed to disclose it to me. Pursuant to 15 USC 6802, I am exercising my right to privacy and hereby OPT OUT of the sharing of my nonpublic personal Information to consumer reporting agencies.
Product: Credit card or prepaid card

Navy federal credit union agree to bring my car load and credit card to a good standard. In return i was going to pay them a settlement. I pay the settlement and the still report my accounts in bad standard. I call them on XXXX they say they will fix. But the did not. I call on XX/XX/2021 to navy federal and they admitt. The agreement but they still refuse to bring my account to good standard. They want me to pay more money after the settlement.i got denied on house mortgage loan because of the damage they are doing on credit because the still reporting. Im streess out this ruin my life. They are worse covid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right to privacy two accounts were sold to different companies and it is effecting my credit score, most accounts and inquiries are over seven years old
Product: Payday loan

on XX/XX/2016 my Social Security Number was used to apply for payday and quick cash loans online. Multiple attempts were made, some were successful and others were not. I have submitted all of the required information to the quick cash lenders and all but XXXX have accepted them and are working with me to clean up this identity theft. Cash Central of Ohio is denying my fraud application even though I have sent them all of the required documentation. their only response is I need to work with my local police. I have obtained a police report and there is nothing else the police department can do because this was an online fraud.
Product: Vehicle loan or lease

The auto loan account with Santander is current while the company continues to report it as delinquent.
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Agency, I am writing to request the correction of an error on my credit report regarding my student loan account with the U.S. Department of Education. The account has been fully paid off for several years, yet late payment marks continue to appear on my credit report, which is adversely affecting my credit score. 

I request that these erroneous late payment marks be removed from my credit report immediately. The loan was paid off in full, and there have been no late payments on this account since its payoff. This information should be accurately reflected in my credit report with the major credit bureaus ( XXXX, Experian, and XXXX ). 

I kindly request that you investigate this matter and provide written confirmation that the late payment marks have been removed from my credit report. Furthermore, please ensure that the updated information is promptly reported to all three major credit bureaus. 

Thank you for your attention to this matter. 

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

I provided Experian with relevant documentation supporting my disputes of inaccurate accounts. Experian failed to conduct a reasonable investigation of my disputes as required under 15 USC 1681i ( a ) ( 1 ) ( A ). Experian did not forward all my relevant information I provided them violating 15 USC 1681 ( a ) ( 2 ) ( A ). Experian failed to provide me with clear and accurate notice of the reinvestigation results as requested violating 15 USC 1681i ( a ) ( 6 ). the result letter failed to indicate what, if any, information had been updated or deleted. The identity theft report I submitted was based on a misunderstanding of the dispute process, not an intent to misrepresent the accounts. Regardless, the accounts contained inaccurate information. And Experian was obligated to conduct a reasonable investigation and ensure the accuracy of my credit report. Their failure to do so resulted in harm to my credit worthiness with this claim seeks to address.
Product: Checking or savings account

I found two overdraft charges of {$35.00} each on the same day on my checking account with Citizens Bank. The system was able to refund the first charge, but even a manager could not reduce the second. 

Conversation with the CEOs office revealed that regulations prohibited them from removing the second charge. 

I think the CFPB needs to investigate how this bank is profiteering from junk fees ( which are about to be removed by federal regulation ).
Product: Credit reporting or other personal consumer reports

The address is invalid on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove this address. 
The correct address should be XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX XXXX XXXX account being reported inaccurately on my credit report and demanded that it be investigated for the errors that I have found and after sending my first dispute letter to all 3 credit bureaus only XXXX has removed it from my credit report however it has not been corrected or removed by Experian or XXXX after approximately 60 days of disputing and as per the FCRA this account must be removed immediately for all the errors and violations. 
Inaccurate information being reported is as follows : a ) high credit limit- inaccurate b ) credit limit -inaccurate c ) dates last reported -inaccurate d ) date last active -inaccurate e ) date of last payment - inaccurate f ) payment status inaccurate on these dates XX/XX/2021, XXXX 2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021 and this is a direct violation of the FCRA.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act account # 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
Product: Credit card or prepaid card

I had a CareCredit account issued by Synchrony Bank that was included in my XXXX. XXXX bankruptcy discharge. After receiving my discharge, I had applied for PayPal Credit which is also issued by Synchrony and was approved for a {$2300.00} limit. I was approved on XX/XX/22 and made XXXX purchase under the 6 months no interest option. Today on XX/XX/22, I login to my account just to see it is now closed. I chat with an associate online and they advised me that it was closed due to my history with Synchrony. If they were going to hold my CareCredit discharge against me, then why was I approved for an account only for it to be closed not even XXXX months later? This bank is very shady and I do not recommend anyone use them. There are many reviews/complaints that Synchrony randomly lowers credit limits and randomly closes accounts. I can understand if I got declined for including XXXX of their cards in my bankruptcy... but to approve me then close my account later on for my history is a poor business practice. So much for rebuilding my credit.
Product: Credit card

Company sent settlement form with an amount to be paid of {$220.00}. Form says it will reflect on my credit report as paid in full but that is not acceptable.
Product: Mortgage

Complaint Regarding Mismanagement and Fraudulent Practices by M & T Bank I am writing to formally complain about ongoing issues with M & T Bank regarding the misallocation of funds received from the Homeowners Assistance Fund ( HAF ). These issues have caused significant distress and potential illegal foreclosure proceedings on my home. 
Summary of Issues : Misallocation of Funds : In XXXX, M & T Bank received {$640.00} from HAF intended to complete my mortgage reinstatement. Consequently, I should not have owed any payment for XXXX. Despite this, the bank has not applied these funds to my account and continues to demand payment. 

Foreclosure Proceedings Despite Payments : M & T Bank initiated foreclosure proceedings even though they received all necessary funds to prevent foreclosure. This action occurred despite the bank receiving {$14000.00} on XX/XX/year>, from HAF, which was supposed to cover six months of late payments for a mortgage of {$370.00} per month. 

Failure to Account for Received Funds : M & T Bank claimed they never received the funds from HAF. However, HAF confirmed that all checks sent to M & T Bank were cashed. Despite this, the bank can not account for the funds and proceeded with foreclosure. 

Additional Funds Required Without Justification : After the initial payment, HAF allocated an additional {$13000.00} to reinstate my mortgage. M & T Bank demanded these funds despite not accounting for the {$14000.00} received earlier. 

Inaccurate and Fraudulent Charges : M & T Bank increased my monthly payment from {$370.00} to {$480.00} without justification, for a fixed-rate 2 % Fannie Mae loan . Additionally, my statement reflects fraudulent monthly charges of {$2000.00}, contrary to the agreed payment terms. 

Lack of Accountability and Potential Fraud : The actions of M & T Bank suggest targeting and fraudulent practices against customers, potentially leading to home loss without consequences. It appears these issues might not be isolated incidents. 

Actions Taken : * I have engaged an attorney to ensure the new payments from HAF are correctly credited and to prevent further illegal foreclosure attempts. 
* I have been in continuous contact with HAF to verify the allocation and receipt of funds.
Product: Checking or savings account

Bank of America placed my account into a fraud account do to not having enough money in my account, I was never told that my account was fraud until I tried to open a account with XXXX XXXX. this is defamation of my character and I am not happy because I have never done anything that was fraudulent.
Product: Credit card

I travel for extended periods out of the country ; in fact, most of the past two years. I pay my bill each month in full and have done so for decades. While I have moved over this period, my telephone and e-mail address have never changed. I called today for a replacement card, as one merchant, XXXX XXXX, suggested my chip was bad while having no problems using the card elsewhere or at other XXXX XXXX locations, as you can see from my statement. I simply wanted a replacement card because I depend on the card. The process and call went well until the agent told me she was unable to send me a text to my number, which I was calling from, even though I was out of the country. Now this action by Citi may be retaliatory because of my other complaint. 
However, my issue is with the so-called security department. I was asked for the last six digits of my bank that provided bill pay services, which I gave and was told it wasnt correct or enough. I was asked whether my account was paid from a Citi Bank account, which it is certainly not. I was asked for a secondary phone, which I provided as my XXXX XXXX. While I recently as last month changed my US address, I offered my XXXX Drivers Licenses number, which was the security agent refused for security reasons. This call was reportedly recorded. After about 30 minutes, the agent said the only thing he could do was mail a letter to my US address for which I must call security again to get my card replaced. Why didnt he just say so before asking all these apparently irrelevant and intrusive questions. Terribly unprofessional and thuggishly abusive tactics by Citi.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax stated that they verified these inquiries and did not send proof on how they verified these UNAUTHORIZED inquiries nor sent documents showing I gave permission to authorized nor my signature. I need these inquiries deleted asap.