23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and I noticed that there were 7 late payments and 3 late payments with XXXX XXXX XXXX, and 4 late payments with XXXX XXXXXXXX XXXX XXXXXXXX that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX XXXX for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and also XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please look below view attached proof of the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your Promptness attention to this dispute these late payments and look forward to a resolution in a timely manner.
Product: Credit card or prepaid card

On XX/XX/2021 we were shopping online for XXXX XXXX and ended up on the website XXXX, which appeared to be an outlet online mall for XXXX XXXX with all the appropriate XXXX XXXX on it. There was no indication that this was not a legitimate site and we ordered tools in the amount of {$490.00}. 

When I saw the order confirmation, I started to be suspicious, because there were no official XXXX XXXX anymore. At the same time I received an alert from my Citi credit card, informing me that this was an international charge from XXXX with a website XXXX 

We therefore immediately called XXXX XXXX XXXX the original Manufacturer ), who confirmed that there are fake websites out there and that they have been trying to shut this website XXXX XXXX XXXX down ( see enclosed warning from their website ). 

We were not able to establish contact with XXXX and XXXX day later the website was not active any longer. The website XXXX however also shows a warning that this is a pishing site ( enclosed ). 

Needless to say, XXXX or XXXX were never intending to send any of the ordered products. 

I disputed the amount immediately and also called Citi customer service, explaining the situation. After the disputing process my credit card company processed the charge anyways and provided order details from the merchants bank that the products appeared to be sent under the tracking number : XXXX ( see attachment ). 

Consequently I have entered the tracking number on some of the most common shipping carrier 's websites and it appears that a shipping label was actually created on XXXX, but it was never dropped off at the post office, which proves that merchandise was not shipped. 

Any attempts to contact the " merchant '' were unsuccessful, because the fake website that we ordered from has been shut down and emails returned with error. 

Despite all the evidence brought forward and multiple letters and phone calls with Citi, the credit card company is not willing to charge back the amount.
Product: Debt collection

The collection from Jefferson Capital Systems, located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, is appearing on my credit report and negatively impacting my credit score. I have made multiple attempts to request validation of this account, but they have not responded to any of my requests. Under the Fair Credit Reporting Act ( FCRA ), they are required to respond to my validation letter, yet I have received no reply. 

Additionally, credit bureaus like XXXX and XXXX continue to verify this information without proper validation, which is misleading and unfair. Both Jefferson Capital and the credit bureaus have failed to provide the necessary verification, which has only further harmed my credit standing.
Product: Credit card or prepaid card

We went to XXXX XXXX in Virginia in XXXX 2021.There was a makeup section having XXXX XXXX at Nordstrom and the representative who opened our account was XXXX  and her email id is ( XXXX ) .She offered to open a credit card account without any proper disclosure.From that time they have started charging us immense Interest ( 25.90 % ) and they are charging it separately on first payment and total amount respectively.Today ( XXXX2021 ) we have cleared their bill which was XXXX .This is clear practice of Fraud, Bad business and misrepresentation causing us loss of money.We demand a serious action on it and cover our loss caused by this misrepresentation from their side and now they are saying that everything is mentioned in our disclaimer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/2017, I mailed a dispute letter to Experian asking them to remove collection account, XXXX XXXX -ACCT # XXXX, from my credit report AND to verify that the debt. I requested that they send me the name, address and phone number of the person that verified the debt. I asked them to obtain physical proof, because I have no knowledge of this company. The dispute result came back as " verified '', but with no validation or verification. I am desperately trying to buy a home and this is keeping me from that goal. I do not and I have never had a contract with this company. I am not liable for this collection.
Product: Mortgage

Starting in XXXX Texas experienced catastrophic storms lasting through the month of XXXX. Hurricane Baryl hit XX/XX/XXXX. Both were declared natural disasters and mortgage payments paused. I also have XXXX claims against both. 
The last payment I made to my mortgage was XXXX. 

The original mortgage company, XXXX Mortgage, sold my loan to XXXX Mortgage debt collector. 

I understand the payments are still due but are paused due to situations out of my control. I promise I didnt want a hole in my roof. 

XXXX Mortgage is now harassing me with weekly bill updates. When I called and spoke with them I advised my original lender, XXXX, was going to put the months at the end of the loan. XXXX Mortgage advised they can not promise the underwriter will do that. They advised I need to pay whatever I can now and if possible all when the XX/XX/year> deadline comes. 

I am still currently not working due to storm and am on XXXX. I work from home for a XXXX  XXXX and there is no way for me to do my job at the level expected. Not only am I living but would also be working in a disaster area. 
I will need the forbearance extended passed XX/XX/year>. 

If I can not afford to pay my monthly payment ( XXXX XXXX before taxes a week ) how am I possibly going to be able to pay all months at once? 

I am already scared and freaking out about everything else. Now XXXX is acting like I am purposely skipping on my payments when I had no control. They are causing extreme distress only exacerbating my XXXX XXXX. 
They are VERY predatory especially for a FHA loan
Product: Payday loan, title loan, or personal loan

On  XXXX / XXXX / 2017 , I applied for a loan with Best Egg to consolidate my credit cards ( {$13000.00}  ). When the loan was approved, the approval document did not indicate the amount of the origination fee ( {$510.00} ). The advertisments for loans of my size and credit score s howed much lower fees. As a result of the high fee, I was not able to cover my credit card balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

After my income dropped as a result of XXXX I tried to obtain assistance. Unfortunately, I was unable to secure any type of assistance on my own. I began working with XXXX to assist me with my modification. Their accounting department reviewed all of my documents prior to me submitting them to Rushmore and I was assured that based on my income I was well within the guidelines to secure a modification. 

Unfortunately, Rushmore has a way of dragging the modification process out by requesting additional documents along the way. By continuously requesting more updated documents they are really just dragging the process out!!! For my first request finally in XXXX 2021 I received a reply from Rushmore. According to their findings somehow my income was only generating {$640.00}??? I was simply floored at how the discrepancies from what was submitted to what they reported. Ultimately my request was denied. 

Once again I resubmitted my modification request package. Again more of the same back and fourth, back and fourth. I did notice when I began reporting what was happening to CFPB, Rushmore stated I finally have a completed package. Again the agency I was working with reviewed my updated documents and they confirmed my income can handle all of my expenses. Rushmore 's disagrees and my package is denied again. It feels like this company has never had any intentions of assisting me. 

I was assigned a contact person that I've only spoken with 3 - 4 times throughout my 6 month + modification process. I called XXXX XXXX on XX/XX/XXXX regarding a letter explaining foreclosure options. He was not available, however on XX/XX/XXXX XXXX did call me back. He informed me that the letter was automatically generated and not to concern myself with it because I am still under review for a modification. 

On XX/XX/XXXX I reached out again to XXXX to see if there were any updates on my modification application. I never received a return call. I reached back out to XXXX on XX/XX/XXXX and as usual he wasn't available so I left a message. I'd received an overnighted letter explaining Rushmore is the servicer on my loan however XXXX XXXX XXXX XXXX is the owner. I was well aware Rushmore doesn't own my loan. They paid the additional overnight fee for this information that is well known to be sent to me yet the only way I know my request for a modification was once again denied in writing is through the CFPB website. My submitted supporting documents clearly reflect I can assume my mortgage however they state my income as {$1600.00}??? According to the letter on the CFPB website I have 14 days from XX/XX/XXXX to appeal this. I haven't even received the letter via mail. It's like Rushmore is continuing their games! 

I phoned Rushmore this morning to try and get an understanding of what exactly in my income didn't support my expenses. I spoke with a representative named XXXX. He couldn't explain what in my income didn't support my expenses, he got frustrated and disconnected the call. 

At this point it is clear Rushmore isn't trying to help me!
Product: Debt collection

Midland Credit Management Inc. ( MCM ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX has been sending me collection notices in the amount of {$460.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I sent out a debt validation letter XXXX XXXX to XXXX and XXXX and a debt validation letter to Midland Credit Management on XXXX XXXX. I received a letter from the collection agency ( MCM ) XX/XX/XXXX, XXXX and XXXX ( XX/XX/XXXX ) stating that the debt was verified but they have not disclosed how the account was verified. Also i know that an investigation wasn't done because according to 15 usc 1681a ( e ) they didn't do any interviews with anyone associated to the consumer ( me ) .However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency.
Product: Checking or savings account

I set up a bill pay to my bank. So I thought. I received a check for XXXX. I received an email stating I have Insufficient funds and was charged {$35.00}. It said payment made NO. Then why am I holding a check? I deposited the check. Which is going to bounce according to the representative. I'm told that they cant stop the 2nd attempt to pay ( which I don't get ). So I am going to be charged ANOTHER {$35.00}. This is ludicrous. Of the funds were not there why cut a check at all?
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX with XXXX XXXX Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness and negatively impacted my credit score, violating these provisions. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. The late payment reporting errors in my case suggest that this obligation was not met. 
New Evidence of Error TransUnion : The account inaccurately reports a 30-day late payment in XX/XX/year> and a 60-day late payment in XX/XX/year>. However, the account was on autopay, and no payments were missed. 
Pattern of Inaccuracies The continued reporting of late payments across TransUnion, XXXX, and XXXX shows a persistent pattern of errors. These late payments have been inaccurately reported despite my account being on autopay and having no missed payments. 
Request for Immediate Correction I am formally requesting that the inaccurate late payment notations be removed from my credit report immediately. The entries must be updated to reflect my true payment history, which is 100 % on time. Should this issue remain unresolved, I will escalate my complaint further, including pursuing legal action and filing additional complaints with relevant regulatory agencies to protect my consumer rights. 
Thank you for your immediate attention to this matter. I look forward to receiving written confirmation of the removal of these inaccurate entries within 30 days. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I do not believe the report that Harris & Harris , LTD has put on my credit report is valid. It is listed as an open balance. I do not have any debt with Harris & Harris , LTD .
Product: Debt collection

I am writing to convey my deep annoyance and dissatisfaction with how your bureau has managed my identity theft disputes. Despite my repeated attempts to resolve this issue, I have encountered a frustrating lack of responsiveness and action from your side. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. 

However, it has been an exceptionally long period since I initially raised these disputes, and I have yet to receive a satisfactory response or resolution. This delay has not only caused me considerable stress but has also resulted in tangible negative consequences for my financial well-being. I have encountered denied credit applications, higher interest rates, and relentless harassment from debt collectors, all stemming from inaccuracies on my credit report. 

XXXX XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I implore your bureau to take immediate and comprehensive action concerning my identity theft disputes. I insist that you prioritize my case, conduct a thorough investigation, and expeditiously remove the fraudulent accounts and transactions from my credit report. I also request a clearly defined timeline for resolution and regular updates on the progress of my dispute. 

As a consumer, I believe it is my right to have my concerns addressed promptly and diligently. Should your bureau fail to provide a satisfactory response within a reasonable timeframe, I am fully prepared to seek legal counsel and escalate this matter to the appropriate regulatory authorities to ensure that justice is served.
Product: Prepaid card

I am writing in regards to the response to an existing complaint I filed against Money Network ( XXXX ). I called and spoke to a representative at CFPB who advised me to start a new complaint. 

The response letter from Money Network should not be an acceptable response since it is verifiably false. The response letter includes the full account and routing number of the bank where the fraudulent transfer was sent, and STATES THAT THE ACCOUNT BELONGS TO ME ( XXXX XXXX ). 

Using the account and routing number provided to me in Money Network 's response letter, I found the account was a XXXX XXXX account. I contacted XXXX XXXX who said the account in question is not in my name and never has had any association with me. 

XXXX XXXX provided XXXX different letters stating that the account which Money Network claims is in my name, is NOT in my name and never has been. The second letter also makes reference to the {$3500.00} transfer. This is all new information I was able to obtain after receiving the CFPB response letter from Money Network since that letter included the full account and routing number of the bank in question. I did not have that information prior to receiving the CFPB response letter from Money Network.

I believe Money Network should be required to provide a response to this matter which is at least truthful and accurate, and address the issue by refunding my money since this is quite clearly fraud. 

I was asked by a CFPB representative to only include the new information pertaining to this case, but I can gladly provide all of the information that was included in the original complaint again.
Product: Checking or savings account

Repeatedly Capital one has, without my permission and against my previous instructions, committed fraud by provided my banking information to previous vendors with who I no longer associate. I have tried to cancel these vendors in the past even went as far as to order a new debit card every time. Still, the bank continuously keeps providing my new debit card information to previous vendors claiming we have an annual agreement regardless of my cancellation. 
Capital one calls this their policy, but as I understand fraud, this is precisely that. There are numerous recording conversations of me telling the bank that this is unacceptable, but they claim this is for my convenience. I spent incredible amounts of hours with the bank and to no avail.
Product: Credit card

The merchant XXXX/ XXXX XXXX charge {$3400.00}, $ XXXX monthly and {$9500.00} to XXXX different credit cards of Bank of America ( accounts ending numbers XXXX and XXXX ) I presented disputes regarding all this charges because this merchant is a fraud and have not fulfill the contract stating verbal promises and emails that are n't true. I send different letters to Bank of America explaining with documents and emails that sustained my claim. Bank of America credited {$9500.00} and I closed the account. Nevertheless, Bank of America refused to credit the charge of {$3400.00} and this merchant is still charging $ XXXX monthly to an account that I cancelled. I want the full credit back because this company had breech the contract and is offering me a whole different one and Ive been a victim of a fraud. I do n't want Bank of America to process or let XXXX made future charges of {$150.00} to my cancelled credit card account which ends in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is listing loans not taken out with them, showing incorrect balances. All loans were with Sallie Mae, which split to Navient in 2014 ; however both Sallie Mae and Navient list the same loans, therefore each loan listed twice on credit report, once as Sallie Mae and once as Navient. One loan listed twice which makes loan balances seen twice the balance. All loans on credit report were paid by government insurance and should show no balances at all. Navient updated credit report monthly with balances still showing. Most debt is past the statute of limitations on originating debt. Navient is ruining my credit by showing high balances that do not exist and listing each account twice to seem as twice the debt.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

From XX/XX/2018 - XX/XX/2018 they have contacted me anywhere from 40-50 times. 

They have accused my co-workers, my self and other associate with me of all sorts of allegations.

They have contact my wife and family members about this allege debt.

This is not my debt and I want the harassment to stop.