23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Credit karma is always offering me credit cards ( unsecured ) as well as allowing hard inquiries on my report. Once these cards are close to being obtained I am automatically denied the card. Credit Karma always puts forth cards that they say are pre-approved for you when they never are! Which causes downgrade on my credit report. I am hoping to get this resolved so others don't have to go thru same and to be reimbursed for the same and false advertisement that credit karma has put on me and dug into my life 's XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024, and noticed some that I was a victim of identity theft. I submitted my disputes & got most items removed from my XXXX credit profile. After my disputes were completed XXXX removed the accounts but XXXX  & transunion didnt, now there are even more inaccurate and incomplete information across all bureaus. Transunion & XXXX claimed my accounts were verified And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts : XXXX XXXX XXXX Acct number XXXX, XXXX XXXX XXXX Acct number XXXX, XXXX XXXX  Acct number XXXX, XXXX XXXX XXXX XXXX, are not complete and not accurate. open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.
Product: Mortgage

This company is nothing but a headache. I wish our loan was with someone else and not them. Complaining about them in detail would be exhausting. 

Here is my complaint : My father died recently. He has a will. As far as I know, his will should be active. What it says, should be enforced and not dismissed. As far as I am understanding, my sister and I are heirs to our parents house. We are successors-in-interest. 

In XXXX of XXXX, we received a contract confirming my sister and I as successors-in-interest. 

On XX/XX/XXXX, I had called in and spoke to a rep named XXXX. She confirmed to me that my father 's will means nothing and that I am not a successor-in-interest according to their policy. As well, they can not give me any information regarding my mother 's estate. Which is false, because before, I was confirmed as a successor and I was given information when asked. 

When I asked XXXX about the previous contract, she said that it was a mistake. How does a large company with plenty of people working to review paperwork, make a mistake?? 

I can't tell you how bad the communication is from this company. No one seems to be on the same page and there are too many people giving answers. Our point of contact XXXX XXXX is the worse. I already complained about him and he is still failing at his job. 

I need straight answers. CFPB in XXXX enacted rules regarding successors-in-interest. 

My father 's will states, " his executors ( his children ), shall take possession and control of his estate ''. If this does not mean anything, then he wasted money making this will. 

I want my name confirmed as stated in the contract given. I have already signed my portion of the contract. I was told by a representative that this was okay. His permission was given on a recorded line on Rushmore 's behalf. Not mine.

I was also told that my signed, notarized portion is not acceptable. Rushmore is now changing their answer. 

This company 's communication is a bunch of garbage. They flip/flop. They are not on the same page as stated above. It's beyond me how they are still in business. They have awful reviews, which does not bother them. 

I want this fixed immediately!
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX. XXXX ( Bank ) on XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXXXXXX XXXX ( Bank ) XXXX XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX ( Bank ) on XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX ( Finance ) on XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXXXXXX XXXX ( Finance ) on XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made on time as confirmed by the bank statement attached.

There seems to have been a clerical error in reporting the payment.

Additionally, there is no record of any outstanding balance or missed payment based on my financial documentation.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I have disputed accounts and inaccuracies with TRANSUNION. I was under the impression they were allowed to do this legally, but the law states different. Pursuant to 1681 ( a ) ( 3 ), the role of furnishing credit information on my behalf was assumed by TRANSUNION. This is a direct violation of 1681b ( a ) ( 2 ) because my written consent was NEVER given to TRANSUNION. They have essentially been using my private information and sharing it without my consent which is a violation of my rights under the 1681 ( a ) ( 4 ). After once again disputing the inaccuracies, TRANSUNION has willfully disregarded my right for investigation for accuracy of these accounts.
Product: Credit card

For some time I have received American Express bills that I paid online. Sporadically these bills attempted to scam me by showing the Current balance to be paid to be slightly less than the actual balance ( see attached PDF copies of XXXX bills and the deceptive payment screens for each ) in order to trick me into paying less than the actual balance, thus earning penalties ( described on each bill ). I attach XXXX instances showing the actual bills and the online payment forms that I received with the alleged Current Balances and the actual Current Balances shown. In the past I corrected the amount to be paid, but now that is no longer allowed, forcing me to underpay if I pay online. Therefore I will no longer pay online. I consider this scam on the part of AMEX to be fraudulent.
Product: Student loan

I was struggling to pay my federal student loans, which were serviced partially by XXXX XXXX ( now Navient ) in 2008. I called them for assistance, and they somehow convinced ( tricked ) me into consolidating my federal student loans into one massive private student loan with them. The loan was originated in XX/XX/XXXX  2008, and the original principal on my loan was {$55000.00}. It  has been more than 9 years, and I have made nearly {$40000.00} in payments, and yet I still owe {$54000.00} on my loan. I understand that there is interest involved in any loan product ; however, it is very clear to me that Navient engages in predatory lending practices. They have increased my interest rate routinely every year since 2008 ( now a whopping 8.25 % ). They make it nearly impossible to pay down principal and ensure I stay mired in this debt. 

I am on the verge of refinancing my loan with another lender, and I uncovered all of this information. It makes me absolutely sick to my stomach. There is no way a company like this should be allowed to take advantage of young adults and make enormous profits at the expense of young Americans ' livelihoods. There has to be something we can do to stop this from happening and bring justice to those affected by this horrible company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX credit report, it shows two collection accounts that 1. Was paid by an attorney for a car accident insurance settlement 2. I have never received a statement showing that it had not been paid in full by my attorney 3. I believe these accounts were removed from my credit report and have now reapppeared.

The two collection accounts are as follows : A. XXXX XXXX for {$240.00} B. Commonwealth Finance for {$320.00} I can not get any information from the credit bureau regarding these accounts. Thank You
Product: Mortgage

I requested multiple times for NewRez mortgage servicing company to remove my escrow account. Loan originated XXXX and far exceeds the 80 % loan to value requirement. 

The written request for escrow removal was sent XX/XX/XXXX and several calls were placed since that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out XX/XX/XXXX to XXXX, XXXX, and Equifax. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is Inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00} Charged off XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$23000.00} Charged off XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$500.00} Charged off Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd and final time disputing this report and inaccurate information remains on my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. But according to Thr FCR ACT Investigative Consumer Reports. Section 606 contains specific requirements for use of an investigative consumer report. This type of consumer report contains information about a consumers character, general reputation, personal characteristics, or mode of living obtained in whole or in part through personal interviews with neighbors, friends, or associates of the consumer. If a user, such as a financial institution, procures an investigative consumer report, or causes the preparation of one, the user institution must meet the following requirements : 4. The user clearly and accurately discloses to the consumer that it may obtain an investigative consumer report.

5. The disclosure contains a statement of the consumers right to request other information about the report and a summary of the consumers rights under the FCRA.

6. The disclosure is in writing and is mailed or otherwise delivered to the consumer not later than three business days after the date on which the report was first requested. 
7. The user procuring the report certifies to the consumer reporting agency that it has complied with the disclosure requirements and will comply in the event that the consumer requests additional disclosures about the report. 
Procedures. Given the preponderance of electronically available information and the growth of identity theft, a user should manage the risks associated with obtaining and using consumer reports. Users should employ procedures, controls, or other safeguards to ensure that they obtain and use consumer reports only in situations for which there are permissible.
Product: Debt collection

XXXX separate companies : XXXX. XXXX - A company saying they could sell my time-share condo got me to give them my credit card number saying they would not charge it until I gave permission. They did charge it and I got suspicious so I did more in-depth searching on this company and found they had so many scams. I filed a dispute with Discovercard BEFORE THEY PAID THE COMPANY, but XXXX paid the company anyway against my wishes. XXXX submitted this to all XXXX major credit reporting agencies in XXXX XXXX and have not removed it from my credit report. 

Issue XXXX : Pinnacle Recovery started harassing me about owing money to XXXX XXXX. I do not believe I owe money. Even though I dealt with XXXX Resorts with a timeshare condo, I believe about XXXX, Pinnacle Recovery harassed me from that date but did not submit it to the credit bureaus until XXXX XXXX. Even though the alleged charges date back to approx. XXXX, this is still on my XXXX XXXX credit report.
Product: Credit reporting or other personal consumer reports

am fling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which
mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be Inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately Account : XXXX XXXX. XXXX, Account # XXXX This account is being reported inaccurately, please remove this from my credit report immediately
Product: Credit card or prepaid card

On XX/XX/2020 I placed an order for a furniture Set ( 6 ) pieces for {$2700.00} with Merchant XXXX  using my Barclay 's Bank Master Card Account. 
In XXXX I received only a partial delivery of the furniture ( 4 ) pieces from the Merchant who notified me that the other pieces of the set were now backorded due to COVID impact on production. 
I filed a dispute with Barclay 's to delay payment of the set until we could verify that I could receive the entire set. Barclay 's removed the charge in XXXX while investigating, but then returned the charges in XXXX stating a refund could not be made by the Merchant. 
I contacted XXXX in early XXXX and we discussed the item was still in backorder so they should pick up the ( 4 ) items and cancel & refund the order. XXXX Agreed and I have attached the documentation. XXXX did pick up the ( 4 ) items and issued a refund on XX/XX/2020. 
Barclays was notified by me throughout this process and provided ALL documentation but never issued the credit. To date, this transaction was never completed, the order canceled & refunded by the Merchant - however Barclays is still billing me for {$2700.00} plus late fees and interest. 
I have faxed documentation to disputes on too many occasions to list. 
Emailed and called representatives. 
Mailed documentation to Barclay 's Home Office in Delaware to the complaints department and receive no response. The Account I hold with them remains in arrears due to their internal incompetence. 
See attached file which included refund and return confirmations from XXXX as well as written correspondence to Barclays. 
Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX XXXX did not report the student loans but why is Experian not complying!!! I have never received any verifiable proof!! all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA. 
DEPT OF ED/XXXX XXXX XXXX, DEPT OF ED/XXXX  XXXX XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX  XXXX XXXX,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX This letter will notify Equifax that the following companies placed unauthorized inquiries on my credit report on XX/XX/XXXX. 

I demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I initiated this inquiry Either provide me with strict proof or DELETE the item immediately. I will take legal action if you do not delete the inquiry in 15 days. 
Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter. 
Suppose you ignore this letter and do not delete the inquiry or don't provide STRICT proof of authorization. In that case, I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 
The following companies placed unauthorized inquiries on my credit report : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your cooperation in advance is appreciated. 
Sincerely, XXXX XXXX
Product: Debt collection

A letter was sent to me dated XX/XX/2016 from First Step Group stating that they want to settle on an outstanding debt. There are XXXX issues XXXX the account number they report is XXXX I never had, and to, I have ten years worth of documentation including credit reports that prove that account number does not exist.
Product: Credit card

I received an offer by mail from TD Bank to open a credit card account. They promised a cash reward of {$200.00} if I spent {$500.00} using the credit card within 90 days of account opening. I applied for the credit card on XXXX XXXX, 2015 by mail, and spent over {$500.00} by XXXX XXXX. Their rules for the program promise to pay the bonus within 6-8 weeks after the eligibility criteria are met. I have still not received the bonus even though it is now more than 15 weeks since I met the eligibility criteria. I called TD Bank on XXXX XXXX. They insisted that I FAX them a copy of the offer I received, which I did. I called again yesterday. They told me that the reward would be posted to my account by today. It has still not been posted. They continued their runaround today by telling me they mailed my FAX to " corporate '' and were still " investigating ''. The agent offered to let me speak to a supervisor, and then kept me on hold for over XXXX minutes without a supervisor coming on line.