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

Although I am not to be on the paperwork for this loan at all, XXXX XXXX  is reporting that an account which was charged off on XX/XX/XXXX is a new charge off as of XX/XX/XXXX. This is impacting my credit although I had begun recovering from the original charge off from someone elses vehicle loan. This account needs to either be removed from my credit ( as it should have already been ) or have the account updated back to the original charge off date of XX/XX/XXXX so as to correct my credit scores with XXXX  and Equifax. This is against FCRA to alter the charge off date from the original charge off date over a year later.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  ARE UNLAWFULLY REPORTING AN ACCOUNT I DO NOT HAVE. 

MULTIPLE REQUESTS WERE MADE TO PROVIDE PROOF BUT ALL WERE DENIED.
Product: Mortgage

I need a response regarding the refund of PMI that I overpaid to the lender, as well as an explanation for the {$13.00} PMI refund check I'm holding. 

When I was online back in mid-XX/XX/XXXX, I logged into Stearns website to view my mortgage payment. I was shocked to see {$1200.00} was owed, considering my previous loan payments to my lender have been just over {$1000.00}. I then called Stearns ' customer service line on XX/XX/18 and spoke to them for over an hour. 

On my XXXX call, we discovered the following : My interior annual home insurance of {$310.00} was paid from Stearns to XXXX TWICE on my behalf. Stearns XXXX  this up and never informed me about it. As a result, I had XXXX send me a second check for {$310.00} ( they previously refunded me, but the check was either lost or inadvertently discarded ). This has since been corrected, to my inconvenience. Just wanted to illustrate how poor Stearns ' customer service is in contacting their customers to explain their errors. 

Second, the payment increase was due to my estimated taxes spiking up about {$1000.00} annually- I am not disputing the escrow increase for this. 

The third item is what I'm looking to resolve- I had asked the service rep, XXXX whether my PMI was no longer necessary as I had paid down 20 % of my property value. She confirmed that it did ( a number of months previously if I recall ), and recommended I sent the escrow team an email, asking them to investigate when my PMI expired, refunding me for any PMI overpaid. I sent this email to customer service that same day XX/XX/XXXX. I received an auto email stating that my message was received. Stearns never replied to this email. On XX/XX/XXXX, I received a " PMI Refund '' check for {$13.00} from Stearns. They did not provide any explanation how this refund was calculated. Also, since this refund represents about XXXX of my previous monthly PMI paid, I am skeptical that this refund is accurate. 

I have since sent Stearns follow up requests XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting clarity on how my {$13.00} refund check is caclulated. During this whole period, I only received one customer service response on XX/XX/XXXX, stating that they were forwarding my PMI request to the mortgage
Product: Credit card

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Mortgage

I have been trying to obtain a buyoff quote for my home. My mortgage company is saying I have to pay a fee to get the quote. I understand there are wire transfer fees, and fees for satisfaction locallly, but was unaware they could withhold my biuyoff quote unless I pay them a fee. 

My bill states that there is a schedule of fees on their website - there is not. They then indicated it is in my contract- it is not. 

My complaint is simple -- I thought the CFPB stated : If you write to ask how much it costs to pay off your mortgage, the servicer generally has seven business days after receiving your request to answer you. 

I thought that meant with my quote not a bill to get the quote. 

Thanks XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service and unfair practices, which violate the CFPA. Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.
Product: Credit reporting or other personal consumer reports

Experian is falsely reporting a late payment on my credit report. Experian is the only credit bureau reporting this false information and I have contacted them multiple times and filled out the complete dispute process both online and by mail. During the dispute process Experian claims to have contacted the reporting card XXXX XXXX and verified the late payment, however this has been determined to be a lie. When I contact First progress directly, they say that they have no records of a late payment and are not reporting this information to Experian, and that I must contact Experian to remove this as they are the only ones reporting this. Under the Fair Credit reporting act I have asked the false late payment be removed by Experian, and have enclosed the letters directly from XXXX XXXX stating tat they are not reporting this.
Product: Mortgage

1 - My mortgage was sold by XXXX XXXX to Rushmore Loan Management Services XX/XX/2020. Two months ago I was able to create an account, sign in, make payments etc. Since then every time I try to log in their system fails to recognize the correctly entered log in and password. I've gone through the password reset process 3 times in the last 3 weeks and each time their system is unable to let me into my account. 
Issue - their website is trash, won't let user log in, unable to access their accounts. 

2. Since my mortgage was purchased by Rushmore Loan Management Services in XX/XX/2020, they have not been reporting to the credit bureaus that I have a mortgage and am paying on it. I called them XX/XX/2020, they said when they take on a loan there is a 60 day period where they do not report to the credit bureaus. I asked her when the 60 day period would end, she said XX/XX/XXXX. I asked if we were past the 60 days and therefore they should be reporting to the bureaus by now, she began asking me questions about my loan from before Rushmore had instead of telling me why Rushmore was not reporting my payment history to the credit bureaus. 

3- Rushmore Loan Management Services does not have an email address where consumers can ask questions or work on resolving issues. They have a phone number which has an upfront message explaining there are high call volumes and not quite verbally literate script readers with no ability to answer questions. 
They also have an online log in portal which is beyond broken and does not allow consumers to log in.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, Hoping you can help- I have listed on my credit reports a balance from a credit card that is not mine, it belongs to my mother. When I was started college in XX/XX/XXXX she had given my a card from her account in my name ( as an additional card holder ) for emergencies. She did not know this had turned up on my credit until I had tried to sign for up for a lease after I left my dorm room this past year. 

She has tried several times having this removed from the company to no avail-last conversation in XX/XX/XXXX, which she has an email confirmation of if needed. The credit card company has since sold off this debt to another company ( letter received XX/XX/XXXX ) but now both have said they can't do anything about it. My mother also has an attorney that said it shouldn't be on there. She was able to have one of them removed but the other is still showing up. 

Original company was called : XXXX XXXX  ( XXXX Credit Card ) XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Showing up as on my reports as XXXX = {$7200.00} which was sold to XXXX   XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, VA XXXX XXXX She has tried all avenues and haven't been able to have this corrected. I'm asking if you could please assist in this matter. I will be turning XXXX in XX/XX/XXXX and my mother and I don't want to start off with this incorrect information. 

Thank you-XXXX
Product: Debt collection

Was sent in the mail ( XX/XX/2020 ) from HRRG saying I owed debt to XXXXXXXX XXXX XXXX XXXX  XXXX for the amount of {$1000.00} from an ER visit on XX/XX/2020 ( which did happen ). I first called HRRG and they offered me a discount in 2 payments to pay my debt because of COVID and the pandemic. This set off alarms. So I then called my hospital directly to pay what they said I owed. I paid my bill in XX/XX/2020 for {$530.00} in full ( after insurance ) and they said they had no other amount I owed to the ER but gave me the number of XXXXXXXX XXXX XXXX XXXX XXXXXXXX to see if I owed them as the ER and physicians sometimes bill separately. I called XXXXXXXX XXXX XXXX XXXX XXXXXXXX and they had no record of me in the system at all. When I spoke with the account specialist, he said he's been getting multiple calls like this about HRRG. After looking me up with last name, date of service, birthdate, etc. - there is no record of my debt and the practice of the ER and physicians billing separately ended 3 years ago. HRRG is using the pandemic as a front to collect money!
Product: Credit card

I have had a an Aadvantage Citibank MasterCard card for XXXX years. A balance of {$29.00} was due XXXX XXXX. As I have for several years, I set up the payment on my bank 's e-pay system to arrive on the due date. Have never had a problem. When I received my next statement, Citibank had assessed a late fee of {$25.00} plus a XXXX cent interest charge because it posted the payment XXXX XXXX. The {$29.00} was debited from my account XXXX XXXX. I called my bank and was assured Citibank received the funds XXXX XXXX. I called Citibank and explained the situation and it insisted the payment was late and REFUSED to remove the late charge. So I canceled the card. It is guilty of bad business practice -- has been for years, in my experience. Steals from its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit report, there is an account listed as closed for XXXXCARE CREDIT with current payment status : In Collections/Charge-Off dated XXXX XXXX, 2013. The remarks indicate : Payment after charge off/collection purchased by another lender. I would like detailed information regarding this collections listed on my credit report. I have never received any information advising of any unpaid balances. If this information can not be provided, then I am requesting this error to be removed from my credit.
Product: Credit reporting or other personal consumer reports

I have been disputing a public record on my credit report for the last 3 years. This credit bureau keeps advising it was verified as accurate despite being provided supporting documentation that is it NOT and is refusing to remove it from my consumer file. 

Today I spoke with an employee who identified himself as XXXX XXXX advised that they are in receipt of the documents however they dont know the reason why the public record has been removed from XXXX XXXX therefore they are unable to remove it. 

The document provided by XXXX states thats it was unverifiable and therefore removed from their files. Moreover XXXX requested the credit bureau directly to remove the erroneous public record and it is still there. 

XXXX, the supervisor of the credit dispute team, told me that they do not have the ability to delete anything from a credit report nor they can provide me with the documentation that was allegedly provided to them verifying this information. Moreover, XXXX advised that the credit bureau contacts the creditor, in this case that would be the XXXX XXXX XXXX - XXXX XXXX Illinois to verify public records. The XXXX XXXX XXXX XXXX XXXX Illinois provided me with documentation to provide to XXXX that is DOES NOT verify public records. 

This is an illegal practice and defeats the purpose of a credit dispute. If a consumers provides supporting documentation for any dispute and it still remains there should NOT be an option to dispute to begin with, if they are not going to honor any supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My wife had a dental procedure done almost seven years ago. Due to the cost of the procedure, she was asked to open a credit account with XXXX XXXX She opened the account and included my name in it since we had joint accounts at that time. I was not present during the appointment and was not informed that she opened the account at that time. I have contacted XXXX XXXX  several times regarding the issue since the account is not mine, however they informed me that since my name is on the account, I am involved. The service that was received was not for me and I was unaware of the account when it was opened. I have also contacted the credit reporting agencies to discuss this issue, as it is affecting my credit. My wife and I no longer have joint accounts and she is responsible for paying for this loan. I have not been able to get this issue resolved and I would like to see how it can be rectified.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX reviewed my credit report and found several accounts and addresses that are reporting in my account inaccurate. I am a victim of identity theft and did not authorize the charges. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX Sec XXXX ( a ), you must complete this investigation within XXXX days of receipt of this letter. Please send an updated of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit file and unfortunately found incorrect information that I have previously disputed with the Credit Reporting Agencies. They have failed to verify the numerous inaccurate accounts and information listed on my credit report. Under the FCRA 15 U.S.C. 1681i all unverified accounts must be promptly deleted. 
XXXX  XXXX ( XXXX ), ( XXXX ), ( XXXX ) XXXX XXXX  ( XXXX ) XXXX  ( XXXX ) XXXX XXXX  XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX )
Product: Debt collection

First I started to get calls from a strange XXXX number I did not recognize. When the caller finally left a message it stated I owed a past debt that has already been settled. This shocked and frustrated me as I had finished a debt consolidation service two years back and was being careful with my current finances. I still have my debt consolidation paperwork and have access to past bank statements. I blocked the company 's number from my phone. I have since gotten a letter in the mail from the same company saying thank you for my " recent payment '' and to pay the current past debt balance. I have not made any payment to these people and I am mad that they even know I own the past account they are trying to collect off of. I get a sense this is fraud. I originally settled this account ( Chase Bank USA ) through XXXX back in 2014. The debt agency settled with XXXX XXXX XXXX XXXX XXXX who was the owner of the debt.
Product: Credit card

I had a positive balance of {$80.00} on my credit card account. I made a few purchases totaling {$82.00} and noticed that instead of my balance being {$2.00}, it had doubled to {$160.00}. When I contacted the bank, they told me that they had mailed me a check for {$80.00} on XX/XX/year> and when I received it I would be able to pay the balance. The check should arrive within 5-7 business days.I had a positive balance of {$80.00} on my credit card account. I made some purchases totaling {$82.00} and noticed that instead of my balance being {$2.00}, it was doubled to {$160.00}. When I contacted the bank I was informed that they had mailed me a check for {$80.00} on XX/XX/year> and when I received it I would be able to pay the balance. The check should arrive within XXXX business days. However, they did not even notify me that a check was mailed to me. I did not receive this check and contacted the bank again on XX/XX/year>. They informed me that they would cancel the previous check and send a new one, which I would have to wait for another XXXX (! ) business days to pay a debt that I essentially do not owe. In addition, there must be a due date that must occur before the expected check arrives and I need to find the money to avoid paying penalties. I asked if there was another way to get my money back? I was told that they can cancel the check and transfer the money to the account, which will take XXXX business days. Finally, after 3 days, I saw this money {$80.00} on my account, paid the missing {$2.00} so that the balance was {$0.00}. But today I see the balance has become the same {$80.00} (! ). My question is- what games does the bank play with its clients? Please, return my money back ASAP and close my account. Thanks
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, denied employment due to First Advantage background check, Ineligible for hire status. FADV states, due to conceal weapon felony charge. " I don't have any charges. '' Filed dispute w/ First Advantage XXXX # XXXX. Followed up on XXXX XXXX, XXXX, spoke w/ employee XXXX XXXX According to XXXX, charge is out of XXXX XXXX, Case # XXXX, XX/XX/XXXX, XXXX, Illinois. It's the same name but didn't social security number and date of birth. I've never been to XXXX, XXXX. I have no felony charges. I assumed ID theft. I filed a Police Report w/ local PD # XXXX. I've applied for another job. Again denied for the same reason by reporting agency, First Advantage. XXXX XXXX, XXXX XXXX a complaint with XXXX, number XXXX. XXXX XXXX, XXXX, Denied employment again for the same reason by same reporting agency, First Advantage. I believe Improper disclosure is illegal. This error is prohibiting me from from potential employment in the transportation field. What action plan do you intent to take to correct this error?
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine. They are inaccurate information, and need to be removed immediately from Experian, XXXX, and XXXX
Product: Money transfer, virtual currency, or money service

I was involved with a money prize winning sweepstakes and was asked to pay a fee {$50.00} for XXXX then a {$50.00} for lawyer then a couple more times for lawyer and then he tried more and when I couldnt on my PayPal he asked for my XXXX  and wanted to put me on payroll for extra money and then asked for another {$200.00} in XXXX and then asked me for another {$500.00} in XXXX and I tried to get a refund from XXXX but they couldnt because it was final and I even tried getting refunded for everything on PayPal but they only did the last one not the others I got in touch with my credit card company and waiting to hear back on them and I sent a message to my bank to see if I can get the money back from XXXX
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

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

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax removed this 30 day late error on my credit report for quicken loans. I asked for proof/paperwork for this XX/XX/XXXX day late which I have never received. Equifax went back and put the XXXX date late error back on my credit report after specifically stating they did not find a 30 day late. This is illegally to remove an error then without my consent add it back to my credit report. There is a paper trial showing this with consumer finance. This is incorrect use of my credit report. If this is not removed IMMEDIATELY I will be forced to take legal action.
Product: Mortgage

I went on Freedom Mortgage 's web site to pay myXX/XX/XXXX mortgage payment on XX/XX/XXXX. The site did not take the payment so I called Freedom Mortgage and they told me to resubmit the payment on XX/XX/XXXX. On Sunday XX/XX/XXXX I went to XXXX XXXX to get cash from my ATM and noticed my account was {$910.00} over drawn. I went home and checked the Freedom Mortgage site and determined that myXX/XX/XXXX mortgage payment was paid on XX/XX/XXXX andXX/XX/XXXX, duplicate payments. I called Freedom Mortgage Monday, XX/XX/XXXX and they would not reverse the duplicate payment so I'm filing this complaint.