23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am an American Express customer - who received an offer to open a KABBAGE checking account in exchange for a {$300.00} opening bonus. On or around XXXX XXXX I submitted an online application to open the checking account under this promotion. 

The website stated my application would be reviewed and account opened within a few business days ; my application was submitted to AMEX / Kabbage at the latest on XX/XX/XXXX for a {$300.00} opening bonus promotion that had an expiration of XX/XX/XXXX. 

AMEX / Kabbage did not provide me any status updates on my application since it was submitted, on or around XX/XX/XXXX I received a snail mail paper statement about this checking account having been opened on my behalf. 

On XX/XX/XXXX I contacted Kabbage / AMEX to inquire about my account in order to ensure the {$300.00} opening bonus was applicable. The {$300.00} incentive is the only reason I applied for the account and it was promised that my account would be opened " within a few business days '' - my account application was submitted on XX/XX/XXXX. 

According to Kabbage / AMEX customer service agent " XXXX '' my checking account XXXX was effectively opened on XX/XX/XXXX. The agent stated that the {$300.00} promotion I had signed up for ( on XX/XX/XXXX ) would not be honored for this account. They stated that the signup bonus required the account be opened prior to XX/XX/XXXX. 

I submitted my complaint to Kabbage customer service that my account application had been submitted in a timely manner ; on XX/XX/XXXX. Plenty of time for the checking account to be opened and for the {$300.00} account bonus terms to have been met. That no communication from AMEX / Kabbage had been received since submitting my application. 

A customer would NOT expect an account to have been opened under different terms than originally agreed upon ; my application was submitted in XX/XX/XXXX during a {$300.00} PUBLIC signup bonus promotion ( https : XXXX ).
Product: Mortgage

Complaint # 3 to try and have the subject property 's account ledger corrected and updated to show misapplied payment from XX/XX/XXXX that has been consistently forcing the account into default. 

The CFPB has closed the case again without the company actually responding to the allegations and need for enforcement of their obligation to appropriately apply funds received to the accounts they are servicing and correcting a mistake when a mistake is found. Rushmore 's inability to provide a single point of contact that actually works on the files, has directly impacted this borrower and property owner. 

Actual Summary of Events : Mortgage Reinstatement under borrower account XXXX XXXX was made on XX/XX/XXXX by property purchaser XXXX XXXX through an escrow that was opened and processed as a short sale transaction with the knowledge and participation of Rushmore. 

Rushmore stated in their XX/XX/XXXX response : Account was due for a XX/XX/XXXX payment when escrow closed and no additional payments were received from XXXX XXXX after she reinstated the loan until XX/XX/XXXX. Rushmore 's original response further states that because the account was in default with no workout plan, meaning 90 days or more past due with no intention of resolving the matter, it rejected the additional payments made by XXXX XXXX. 

This 3rd complaint will be the final attempt for a mutual resolution. 

Account Reinstated : XX/XX/XXXX Next Payment Due Date : XX/XX/XXXX - 1st Payment Made : XX/XX/XXXX* - 1st Written Correspondence from XXXX XXXX to Rushmore regarding Rushmore 's claim of missing payments, proof of payments made and request for available payment assistance options : XX/XX/XXXX - 1st Written Response from Rushmore regarding misapplied funds and system correction : XX/XX/XXXX*. *Please note, after Rushmore issued their administrative error notification dated XX/XX/XXXX, it stopped accepting payments on the account. At this time, the account was less than 30 days past due because Rushmore cashed a payment on XX/XX/XXXX. 

2nd Payment Made : XX/XX/XXXX ( Cashier 's Check Cashed by Rushmore XX/XX/XXXX ) 3rd Payment Made : XX/XX/XXXX ( Cashier 's Check Uncashed by Rushmore ) XX/XX/XXXX 4th Payment Made : XX/XX/XXXX ( Cashier 's Check Uncashed by Rushmore )  5th Payment Made : XX/XX/XXXX ( Cashier 's Check Uncashed by Rushmore ) 4th Payment Made : XX/XX/XXXX ( Cashier 's Check Uncashed by Rushmore )  Attached to this complaint are the copies of the cashier 's checks, wires and letters from XXXX XXXX. 

Please note, after 2 complaints filed and multiple documents and proof of payments shared, Rushmore still does not accept the mistake of not properly updating their administrative error in their processing of payments made to this account. XXXX XXXX is asking for the foreclosure sale date to be suspended a that a payments be corrected in the system. As a result, XXXX XXXX should be given the opportunity to resolve the account with Rushmore within 90 days of the agreement to suspend the foreclosure and/or re-initiate the proper foreclosure proceedings.
Product: Credit card or prepaid card

It has come to our attention that a fraudulent account has been open in our sons name and someone has opened a fraudulent card using our child 's identity. I am asking that you close the account immediately and send us a letter confirming our child is not liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit profile with Transunion are showing opening which is incorrect. 

1. XXXX XXXX Credit Card shows a balance of {$430.00} which is incorrect. This account balance is XXXX and was closed 4 years ago by me. 

Additionally, the balances on the following accounts are incorrect : 1. XXXX XXXX - balance is {$39.00} not {$630.00} 2. XXXX XXXX XXXX Credit Card - balance is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an international student and I received my Social Security Number in USA in XX/XX/XXXX and in XX/XX/XXXX I misplaced my Social Security Card, after which, some suspicious activity was reported on my CREDIT REPORT : FRAUDULENT OPENING OF XXXX  XXXX XXXX XXXX ACCOUNT.I am a victim of identity fraudulent activity as I did not open this account. I am requesting that the account to be removed from my credit report and that I receive an accurate statement. I had disputed this issue with XXXX XXXX XXXX and the investigation says that the information on the account is VERIFIED AS ACCURATE. The account is visible on my CREDIT REPORT which are impacting my credit score a lot. As i am an International student, it is getting very difficult for me to apply for loans, get a car and an appropriate insurance as my credit score is  being majorly affected by this Fraudulent activity. I am requesting that these items be removed from my CREDIT REPORT to correct the information. Please investigate this matter and provide me with an Federal Trade Commission Report so i can send it to the bureau in order to remove the accounts on my credit report as soon as possible Thank you, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my identity theft report, I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : I demand that the following account be verified or removed immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized MXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

ped up for you : I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. 

The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer saf
Product: Debt collection

Lion Stone Holdings Group has been leaving threatening voicemail messages on my home phone for 1 month. Threatening to sue, come to my home, and to escalate the case. ( file number was given ) A woman, XXXX XXXX, contacted me at work and wanted my SSN and birth date. Said she would show up at my home. 
I have no loans outstanding. Nothing shows up on my credit report. 4-5 years ago a payday loan was taken out in my name using identity theft. A Police report was filed then.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX # XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and company 's below ran an unauthorized credit inquiry on me. 

XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX  XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX  XXXX XXXX XXXX Inquiry from XX/XX/2020 Credit Unions XXXX XXXX XXXX from XX/XX/2020 Auto Financing XXXX  XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX  XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX  XXXX XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX  Auto Financing XXXX  XXXX Inquiry from XXXX  XXXX, XXXX Auto Financing XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX  Auto Financing XXXX XXXX  Inquiry from XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX  Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Personal Loans XXXX. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact [ company name ] and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting 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 ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I checked my credit report and there are several wrong addresses on the credit report XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX 2008 XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX
Product: Debt collection

this is my second request to you asking for your help. 
XXXX hired a collections agency who suddenly put XXXX on my credit report stating that i owe at and t this money for a landline they state i owe them for!! i have not owned a landline in at least 5 or 7 years. no one sent me any bill for this, not XXXX or this collections bureau they hired. i have written XXXX by email to the girl in the dept of the collection agency regarding this XXXX is one of the biggest scam, dishonest monopolies in this state. everyone i know has complaints on them of how they try to steal their money. i quit XXXX over a year ago now. they overcharge you each month. you have to sit on the phone for hours as they toss you around from dept to dept and each dept blames the other dept. its outrageous. it just goes on and on like a horror movie. nothing ever gets done properly. they need a committe appointment just to oversee all the theft and lies at and t is committing by the XXXX every single day! its atrocious!! now this!! a scam of some kind to say i have a landline phone!
Product: Credit reporting, credit repair services, or other personal consumer reports

After repeatedly trying to explain to Credit Acceptance that the account in question did not belong to me, the company refused to update their system and remove the car payment from my name. Despite informing them of this, they continued to report delinquent payments on my credit report and harassed me with calls regarding payment for an account that was not mine. I argued that the person who is responsible for the account should be the one to make payment, not me.
Product: Debt collection

XXXX XXXX XXXX  is a debt collection agency that on XXXX has taken action from AFFIRM, LLC the original creditor account sayinh that I owe {$260.00} for XXXX XXXX.i have contacted affirm back on XXXX that I have filed a complaint on the phone and also sent a cfpb complaint about this matter and have not received a reply back .so I'm filling out a new complaint with XXXX XXXX about this matter
Product: Mortgage

Hello- I attempted to make a large principal only payment for {$99000.00} online on XX/XX/XXXX. I had already made my monthly payment for XXXX on XX/XX/XXXX. However, Mr. Cooper ( mortgage servicer ) took my XXXX, XXXX payment out of my principal only payment first costing me an extra {$490.00} in interest payments that should not have existed. My mortgage should have been paid in full on XX/XX/XXXX making it so that I should not have owed any interest from XX/XX/XXXX - XX/XX/XXXX. 

I submitted a RESPA request to Mr. Cooper but they said because I didn't put a note on the {$99000.00} payment to apply to principal, their system took the XXXX payment out first. Please help me. 

thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have submitted numerous letters with proof to Equifax. The FED TAX LIEN-XXXX This federal tax lien has been paid and withdrawn with the Internal Revenue Service. Please see the letter attached. Delete the Federal Tax lien immediately off my credit file!!
Product: Money transfer, virtual currency, or money service

I purchased XXXX money orders from western union in the amount of {$500.00} each totaling {$2500.00} which was slated for XXXX money to purchase a home. I decided not to purchase the home and the XXXX money was refunded. However the place I purchased them, XXXX, stated they do not offer refunds. I contacted my bank, XXXX XXXX, to see if I could re-deposit them into my account and they said no. Both told me to contact western union directly. 

On XX/XX/2021 I put in a request for all XXXX money order refunds : XXXX case number is XXXX. 

XXXX case number is XXXX. 

XXXX case number is XXXX. 

XXXX case number is XXXX. 

XXXX case number is XXXX. 

The verbiage stated I would be assessed {$15.00} each due to requesting a refund. I was told by customer service agent in the refunds department it would be XXXX business days before I received the refund by postal mail. 

Its been XXXX business days excluding holidays, and I have not received a refund. I chatted with customer service and they were of no help.
Product: Debt collection

An item on my credit report says I owe a debt that I did not know about. As I have not had any loans or credit cards since around 2004, If this is my debt, it is over the 7 year reporting limit, and it is also a time barred debt ( XXXX. XXXX. XXXX. XXXX XXXX XXXX. ), so it should not still be reporting on my credit report. I have disputed this item on my credit report and been told it will not be removed, but requests for proof that is my debt and when this debt was last paid, have gone unanswered.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX. I was made aware my by my therapist of a law passed by XXXX XXXX to support victims of XXXX XXXX The 605C of the Fair Credit Reporting Act and the Debt Bondage Repair Act. I have been successful with following th requirements and submitting the necessary documents to other consumer reporting agencies such as XXXX and XXXX. On XX/XX/XXXX I mailed my documents certified to Experian. I have confirmation it was delivered on XX/XX/XXXX and on XX/XX/XXXX I received several emails stating my dispute request were open. 4 business days from XX/XX/XXXX was XX/XX/XXXX. Based on The Acts the Information I requested to be blocked should have been blocked within 4 days. The rules published for the act are as follows : A consumer reporting agency must block adverse information within four business days of receiving a consumers submission. A consumer reporting agency must make a final determination on the consumers request within 25 business days of receiving a consumers submission. A final determination under the Rule is either to initiate or maintain the block of adverse information initially placed or decline and rescind a block. A consumer reporting agency may only decline and rescind a block after notifying the consumer or the consumers representative using the method of contact specified by the consumer and attempting to resolve any deficiencies in the consumers submission. A consumer reporting agency may only decline and rescind a block where : the consumer reporting agency can not reasonably confirm the consumers ( or consumer representatives ) appropriate proof of identity ; the consumer did not provide a victim determination ; or the consumer reporting agency can not properly identify the adverse items of information. A consumer reporting agency may not make a determination based on the validity of the facts or circumstances in the consumers trafficking documentation submission. I provided everything yet whoever processed my documents did not follow the guidelines. Even prior to me sending in this paperwork I have sent in other paper in XX/XX/XXXX and XX/XX/XXXX and even spoke with a gentleman by the name of XXXX in XX/XX/XXXX who was very dismissive. Everyone at Experian is ignoring the laws. It is now going on three years and Experian has failed to complete the XXXX XXXX process based on the information. I have submitted multiple times. As of my final document I send a demand notice and intent to sue. Due to me going through the healing process mentally I have yet to do so, however I am still being denied credit for things related to XXXX XXXX which still gives me room to sue. I am aware of the recent lawsuit due to Experian not following the law.