23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out a dispute letter to 2 credit bureaus XXXX XXXX XXXX Equifax ) to remove inquiries I never applied for on XX/XX/2023 and Equifax continue to have all of the fraud inquiries on my credit report and XXXX have removed some, but not all inaccurate inquiries on credit report.
Product: Debt collection

Hospital debt from XXXX XXXX - charged off to Merchants Credit Association. Ongoing garnishment through employer for many years - it seemed cyclical - every 6 weeks or so. Thought nothing when the employer began taking $ from check but this time I did not receive paperwork. Found out from the creditor $ was not given to them and employer did not send any {$.00} Creditor informed me that they had sent the usual writ of garnishment but they employer did not respond. Creditor informed me that the debt was now the employers responsibility. One year later creditor performed a bank levy - when asked about the employer they stated 'it was easier to clean out your account than to get him to respond '. When I told them they said it was the employers responsibility I was told it was up to them to decide who to go after and to 'call back when I was more informed of what the laws were ' When I asked how much $ was left on the debt I was informed I only owed approx {$250.00} I was told they would call me with an exact amount once the levy went through so I could pay it off. XXXX {$510.00} cleaned out of my account again. They said they did n't have to call me if they did not want to. I asked for proof that they even contacted the employer - was informed as the debtor I do not have access to that I would have to get a court order. I can not prove that funds were taken from my paychecks since my employer never gave me check stubs - currently working with XXXX on that. 
Below is the informationMerchants Credit XXXX Department, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXXWrit of Garnishment XXXX Bank Levy XXXX Cause No XXXXApplication for Writ of GarnishmentExemption Claim
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX of XXXX I filed a dispute with Equifax, XXXX, and XXXX addressing incorrect information in my credit report, specifically regarding the following items : I'm reaching out because Equifax, XXXX, and XXXX are messing up my credit report. They're breaking the rules of both the Fair Credit Reporting Act ( FCRA ) and the CARES Act, and I urgently need your help. 

When COVID-19 made things tough for me, I got an accommodation agreement to ease my student loan with DEPTEDXXXX & XXXX XXXX XXXX The CARES Act and 15 US Code 1681s2 ( F ) state that during this period, my loan should be reported as current, but Equifax, XXXX, and XXXX is wrongly labeling it as late. 

Plus, they're not handling my complaints about negative accounts correctly. The law, specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ) and 15 U.S.C. 1681i ( c ), says that they need to fix or remove any wrong or unverified details after a dispute and clearly mark any disputed information in future reports. But they're not doing this. 

Even more, Equifax, XXXX, and XXXX isn't following the rule of 15 U.S.Code 1681e ( b ), which says they should take reasonable steps to make sure my credit report is as accurate as possible. This is not happening. 

Because of Equifax, XXXX, and XXXX 's wrong actions, my credit score is taking a hit and it's getting in the way of my future financial plans.
Product: Mortgage

Issue 1 - I received a letter from Rushmore Servicing stating that an election was made tp surrender my property, which was not the case. The letter also suggested alternatives such as a Deed in Lieu of short sale, which I did not agree to. I have not elected to surrender my property. In fact, I have diligently made efforts to maintain my property and fulfil my obligations under the terms of my mortgage. Furthermore, I have signed XXXX modifications with XXXX Bank and XXXX XXXX XXXX indicating my commitment to retaining ownership of my property. Issue 2 - Recently, I discovered that my mortgage has been increased by nearly {$430.00} per month, purportedly due to a shortage in my property tax and homeowner 's insurance. As a resident of XXXX XXXX, Illinois, I have diligently availed myself of every senior discount offered by the County. Despite this, the increase in my mortgage has made it nearly unmanageable for me on my fixed income. I am deeply concerned about the transparency and fairness of this increase, especially considering the impact it has on my financial well-being. I urge the Consumer Finance Protection Board to investigate this matter thoroughly and ensure that Rushmore Servicing adheres to all relevant regulations and guidelines.
Product: Credit reporting or other personal consumer reports

I contacted XXXX and XXXX about being a victim of XXXXXXXX XXXX and fraud. I filed disputes with both XXXX and XXXX and filed disputes with XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and turned in a FTC XXXX XXXX report to them and there refusing to remove these fraudulent accounts from my credit report even though Ive provided them all the information and documents theyve asked for. These are not my accounts and Ive stated this several times and provided all information to them
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I was sick with XXXX and im still getting back to normal. I looked at me credit and seen 24 inquiries that I never gave permission all is listed below I need these removed. I dont know whats going on. Please help and delete. 


XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Wireless Telephone Service Provider Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2021
Product: Vehicle loan or lease

XX/XX/XXXX I bought a XXXX XXXX XXXX at XXXX Car Sales XXXX XXXX, they gave me a bill of sale and a license plate and temporary registration with an expiration date of XX/XX/XXXX. The financial company was originally XXXX XXXX XXXX and then it became Westlake Financial company, when the registration expired I called the Dealer to get my final registration and the Dealer had closed, I called Westlake Financial to send me the documents to register the car and the Financial does not have the documents either. On XX/XX/XXXX the police arrested me and took my car away, the Westlake Financial can not claim the car because it does not have the documents and the lien in the title. I don't have the car, I don't have the documents and I have a debt with the financial company. 
Westlake Financial should not have approved the loan of a car that did not have the title and now want to collect the monthly loan from a vehicle that we do not have
Product: Mortgage

XX/XX/XXXX I have had a lot of problems with Loan Care / XXXX XXXX XXXX. I have tried calling them, sending letters and emails - however they do not work. 
LoanCare has lied to us in XX/XX/XXXX about paying our home insurance and tried taking almost {$2000.00} of our escrow money. Once I contacted the CFPB, you stepped in and helped. 

I've already reached out to you last month because our escrow account was getting deleted again without explanation. Loan Care has claimed they paid our home insurance on XX/XX/XXXX and took the funds out of our escrow account. However, they are not being honest. I received this email from LoanCare on XX/XX/XXXX : Your loan number is XXXX.

The following disbursement was made out of your escrow account on the above referenced loan : Disbursement Date : XX/XX/XXXX Disbursement Amount : ( {$480.00} ) Disbursement Description : Hazard / Homeowner Insurance Please go to XXXX for further detail, or submit any inquiries via the Contact Us page. To unsubscribe from this email, please go to the Update Notifications page under the My Profile menu of the website, or email XXXX to be removed. 

If you have any questions about your account or need assistance, please email us at XXXX. 

NMLS # XXXX *****So I emailed XXXX saying this : XX/XX/XXXX You had sent me this email on XX/XX/XXXX : Your loan number is XXXX. 

The following disbursement was made out of your escrow account on the above referenced loan : Disbursement Date : XX/XX/XXXX Disbursement Amount : ( {$480.00} ) Disbursement Description : Hazard / Homeowner Insurance NMLS # XXXX However, I have been in contact with our home insurance provider since XXXX and asked them to notify me when they get paid. I received this email today - they did NOT receive payment. ( last year we were lied to 3 times about paying our home insurance ) Not only did we receive this email but a letter came from XXXX XXXX. saying they did not receive payment. PLEASE PAY THEM TODAY. Here is the email I received : Hello, Your policy renews on XX/XX/XXXX. It may be early, however, I am following up with you. 

Please call the mortgage company to verify they are sending payment for the policy. 

Thank you for your business and have a great day! 

XXXX XXXX Multi-product Agent Associate XXXX XXXX XXXX Fax : XXXX XXXX ONCE I EMAILED XXXX THIS IS WHAT WAS SENT BACK TO ME : Thank you for contacting us! 

This email address is no longer being monitored. 

If you are a customer, please log into our website and submit your request using the self-service options. ( WHICH ALSO DO NOT WORK!!!!! ) *****Their emails do not work, there is no area on their website to get help and they hang up when you call. It is set up so you can not resolve issues. PLEASE PLEASE PLEASE shut them down. HORRIBLE mortgage crooks.
Product: Checking or savings account

On XXXX XXXX a direct deposit was from my employer at XXXXXXXX XXXX Of the amount of XXXX and was sent to a guy name XXXX XXXX. I don't know anyone by that name. My direct deposit went to this person since the XXXX XXXX. I still haven't resolved my dispute and my payroll is gone. I uploaded all documents to chime and been calling and nothing is being done to refund me my direct deposit
Product: Money transfer, virtual currency, or money service

General Obligation : Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX which involved me making deposits for a total amount of XXXX BTC from my XXXX account to Gemini at the instructions of the scammers. 
In providing their services, financial institutions as registered and licensed Payment Service Providers, are required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is a scammer or is involved in potentially fraudulent activity. 
FATF issued International Standards on Combating Money Laundering and the Financing of Terrorism and Proliferation ( the FATF Recommendations ), aimed at setting minimum standards for action in different countries, to ensure that AML/CTF efforts are consistent internationally.

There is a long-standing obligation upon financial institutions to have necessary procedures in place to ensure the detection and prevention of money laundering, terrorist funding, and other illegal activities. 
In this case, it is perfectly obvious that Gemini could have, and should have, utilized various risk-based examination procedures and techniques, all of which are within their purview and legal obligation, and could have entirely prevented this disastrous outcome. 
Given that their client with the wallet address XXXX was an active participant in the movement of my money, which eventually ended up with the Company, Gemini have not exercised their duties to identify this suspicious scheme in a timely manner.
Product: Student loan

I have been receiving Wells Fargo billing on a student loan more than 14 days late. I have saved the post marked envelope as proof. The notices fail to show why the payments due increased and fail to show balance of loan. The habitual late mailings appear to maximize Wells Fargo late fees with the absence of transparency. I have faxed a request to negotiate a pay off number and Wells Fargo has refused to define a number via mail, as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Amount : XXXX  Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : XXXX Account Type : Charge Off, Deposit Related Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$31000.00} XXXXXXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XX/XX/XXXX {$3600.00} XXXX XXXX XXXX XX/XX/XXXX {$18000.00} XXXX XXXX XXXX XX/XX/XXXX {$25000.00} XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XXXX XX/XX/XXXX {$9800.00} XXXX XXXX XXXX XX/XX/XXXX {$5600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an incorrect current balance of {$230000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original loan amount was {$180000.00}. Also, Equifax is reporting pay status as ( 120 ) days late. I have NEVER been late on this loan. I have attached a copy of the Loan Modification Agreement for reference. This incorrect reporting of the wrong balance as well as lates is seriously harming my credit score and this line item needs to be updated. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I have reported this ongoing racket and scheme designed to socio-economically control a subject and plaintiff XXXX XXXX XXXX via electronic and physical means. This scheme has been designed and perpetrated against XXXX using his unwarranted invasion of privacy and unfettered access to XXXX 's information electronically stored within servers and on the cloud in XXXX and XXXX where these racketeers constructed, engineered and deployed a sophisticated XXXX that and electronic collection and distribution of his data through XXXX  and a number of individuals from XXXX XXXX NY and other districts whom have been in charge of his socio economic control and linked to his identity. Plaintiff XXXX has discovered a scheme where his FICO score and on the three bureau credit bureaus are being manipulated and divided amongst several participants with access to XXXX whom. XXXX discovered that his Equifax credit score is being reported inaccurately on the XXXX XXXX as XXXX. When XXXX logged into his Equifax account his FICO Score was listed as XXXX. Plaintiff XXXX has filed a lawsuit XXXX to no avail as this scheme is a necessity to a number of rat hos and their law enforcement handlers. They have control of my laptops cell phones and any other method of communications and will only allow me to meet my own credit goals and access to my information as they require.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported the accounts as fraud and I have tried to call the organizations listed with no responses given.
Product: Credit card

In XX/XX/XXXX, I made a small purchase of {$6.00} on my HSBC credit card but missed the payment due to an oversight. I did not receive any alerts or reminders via email or mail about the missed payment. In XX/XX/XXXX, I contracted XXXX, which further delayed my ability to notice and address the missed payment. Upon discovering the issue in XX/XX/XXXX, I immediately paid the balance in full along with any associated fees and called to remedy the issue. 

Despite my 15-year history of perfect, on-time payments across all accounts, HSBC reported this 30-day late payment to the credit bureaus. This reporting caused a significant drop in my credit score, which had previously been in excellent standing around XXXX. To this daythree years laterthis single late payment continues to negatively affect my credit score, even though I pay off all debts on time, consistently pay all accounts in full, and maintain high credit limits with other lenders. 

I reached out to HSBC numerous of times via phone, email, and chat to request a goodwill adjustment. In response to one of my complaints <case ID:XXXX, HSBC informed me that they would not assist, citing their obligation to report accurate information. Later, my account was sold to XXXX XXXX XXXX XXXX XXXX XXXX  ) through XXXX XXXX XXXX XXXX , and I contacted them as well, but they also declined to help. 

Goodwill adjustments in cases like mine are not unheard of, many financial institutions make these adjustments to assist longstanding customers with an otherwise spotless record. I believe this one-time late payment, caused by illness and a lack of notification, does not reflect my overall creditworthiness. I am seeking assistance in resolving this matter as it continues to have a prolonged negative impact on my financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage with US Bank, they have placed a forced flood policy on the house because it was rezoned into a high risk area. The home should be grandfathered into a low risk area. I have sent the paperwork to US Bank multiple times, but they will not acknowledge it. 

I have continued making my monthly payments of XXXX while attempting to resolve the issue with US Bank. US Bank has not applied my payments, and has started making reports of late payments to the credit companies. 

I have asked them to remove the negative reporting and work with me to resolve the issue, they have refused. 

I need help.
Product: Credit reporting or other personal consumer reports

The account was opened on XX/XX/2023 the highest balance is of {$720.00}. 

The account was closed on XX/XX/2023. 

The contact info is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ( XXXX ) XXXX I filed an FTC identity theft report, which is attached below ; and, I have no consent of this account.
Product: Credit card or prepaid card

I'm using Bank of America Credit card and am paying full statement balances every month. I noticed small interests were charge recently and reached out to Bank of America. I was told that I did not pay in full by due date two month consecutively. Therefore, the interests were charged. I did not carry over the balances, but I paid a majority of my balance by payment due date via auto pay and the remain balance on two days after which is by statement end day. Bank of American consider that was not paid in full and they charge the daily balance for another two months. In order to avoid the interest charge, you have to pay in full by payment due date two month consecutively per below their Interest clause. I've been in XXXX XXXX for entire my career and this does not make any sense at all, charging interest even you don't carry the balance every month.

IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYING INTEREST - We will not charge interest on Purchases on the next statement if you pay the New Balance Total in full by the Payment Due Date, and you had paid in full by the previous Payment Due Date. We will begin charging interest on Balance Transfers and Cash Advances on the transaction date.

TOTAL INTEREST CHARGE COMPUTATION - Interest Charges accrue and are compounded on a daily basis. To determine the Interest Charges, we multiply each Balance Subject to Interest Rate by its applicable Daily Periodic Rate and that result is multiplied by the number of days in the billing cycle. To determine the total Interest Charge for the billing cycle, we add the Periodic Rate Interest Charges together. A Daily Periodic Rate is calculated by dividing an Annual Percentage Rate by 365.

HOW WE ALLOCATE YOUR PAYMENTS- Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first ( including transactions made after this statement ). Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs.