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

Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement To : TD AUTO FIN on XX/XX/XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX, XXXX, and/or XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA provides . A person shall not use or obtain a consumer report for any purpose unless -- - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; I did not give written instruction and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). XXXX XXXX XXXX 260 F. Supp 2d 711 ( S.D. Ind. XXXX  ). 
I have not initiated any transaction with [ TD AUTO FIN ]. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with TD AUTO FIN for review or collection. Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).
Product: Credit reporting or other personal consumer reports

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

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XXXX XXXX XXXX  and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made Within Grace Period : The payment reported as late for XX/XX/XXXX was actually made within the 15-day grace period allowed by my creditor and should not have been recorded as a 30-day late payment. 
Misapplication of Payment : Payments for XXXX, XXXX and XX/XX/XXXX were sent and processed on time, but were not properly credited to my account due to an internal error by XXXX, leading to the incorrect reporting of 60-day and 90-day late payments. 
I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that all payments were made on time and within the contractual grace period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

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

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

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

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

My car loan account with XXXX XXXX is showing several inaccuracies with all 3 credit bureaus XX/XX/XXXX XXXX, Transunion ) such as a late payment from XX/XX/2022, incorrect balance, incorrect last payment reported date, incorrect opened date, and incorrect comments reported that are all different on each report. I am not asking for the account to be deleted but only for this information to be updated correctly. I have never been late on this account and I have tried updating this information with the creditor several times.
Product: Mortgage

On the XXXX Rushmore Loan Management Servicing LLC received {$660.00} XXXX 3 times from the HAF Housing Assistance Fund Program for my account . Meanwhile the Rushmore Servicing took over on XX/XX/2023 Rushmore Servicing XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX. Online account access to MyRushmoreLoan will cease as of XX/XX/2023. Visit your new servicer website for online access to your current active loan. 
For assistance with loans previously serviced by Rushmore Loan Management Services, please contact : Rushmore Servicing, XXXX M-F, XXXX XXXX to XXXX XXXX XXXX to my distress the promise in the letter stating " meantimne if you already sent a payment to Rushmore Loan Management Services LLC , they will forward it to us and we will credit your account with no late fees. '' It is already XX/XX/2023 no credited account for 3 payments and a foreclosure letter ( see documents attached ) for XXXX XXXX. 

I have tried to call over 20 times and their machine knocks you off no matter and it is impossible to get help. This is a setup to take a home over while pretenfding to be a servicer. Both Rushmore servicers are responsible and it is absurd that they can not be contacted neither of them. They are crooked and the professionals at the federal governemtn HAF said many calls have come on on this and the consfusion and lack of help. Also the XXXX idea to rename it Rushmore only adds to their convulted confusion for home owners. 









For assistance with loans previously serviced by Rushmore Loan Management Services LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX please contact : Rushmore Servicing XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX, XXXX
Product: Vehicle loan or lease

**THIS IS NOT A DUPLICATE** I mailed a payment into Chase Auto Finance and payment/ envelope was returned. 

I am resubmitted to have this issue taken care of. I have provided a copy of written check/ envelope that was returned. 

The derogatory remark should be removed. If not I will be seeking legal representation to have item removed, since I have provided sufficient evidence of returned mail item.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX I am writing to formally dispute an inaccurate entry on my credit report. The account with XXXX XXXX and account number XXXX This inaccurate reporting is negatively impacting my credit report. I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that the account status is corrected. As per the Fair Credit Reporting Act, if the information is not corrected, the account must be removed from my credit report. I would appreciate your prompt attention to this matter and kindly request that I be informed of the steps taken to resolve this issue. Thank you for your assistance.
Product: Credit card or prepaid card

Two things first of all : I have a credit card from U.S Bank National  Association. It is a XXXX XXXX Mastercard. Also, I have NEVER used a debit card in my life ( I'm XXXX years old ). I did not request this debit card and do not plan to ever use it. I've tried to call the company many times, but can't get through. They have no contact info for an e-mail on their web site so that's the reasons I'm writing to you. More troubling is that they sent one to me and one to my wife. She passed away in 2018! I would really like to know why they took this action. 

Please note that I have provided the card number on the next page, but have NOT activated it for obvious reasons already stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023 Someone tried to open a credit cared in my name under a XXXX XXXX fraudulently. i noticed on my credit report and in XXXX i called all threee credit bureaus.They didnt want to help me and remove the hard inquiry as i kindly requested. I dont even know what this bank XXXX.i immediatly put a credit freeze and alerts on all of my accounts to prevent any further fraudulent attempts to run credit cards in my name.Please remove this hard inquiry from XXXX XXXX in XX/XX/2023 from all three credit reporting agencied due to fraudulent activities.
Product: Credit card or prepaid card

They kept calling both of my numbers after I informed them that I was not allowed to talk at work she did replied that I answer the phone so I must can talk there is no reason they should keep calling back to back and calling from private numbers back to back this is absolutely ridiculous XXXX XXXX need a new bank
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Product: Checking or savings account

I am a victim of cybercrime where I was scammed into purchasing an annual service that did not work and was only in beta form. I was not able to use the product purchased as it was not as advertised and was not a complete product. In XXXX of XXXX, I purchased a service online to help search and apply for XXXX XXXX  with the company XXXX. I was to receive access to my product portal immediately but was not able to access it appropriately until almost a month into the service. When I was able to log in XXXX they finally agreed to set up a time where I can learn how to use and manage the tool. Upon my training, I was informed that the product I was given access to was not the " real '' one but the beta version which is why I could not actually apply for the government projects. I was taken aback as I did not pay for any beta or to be a test dummy. I asked to be immediately upgraded to the paid version as I made a XXXX annual payment for the service. I was then informed that I would not have access to the paid version until I made the full payment upfront. I requested to be reimbursed but they refused. The bank has been informed of this multiple times and refuses to assist. The only thing that they say is that Re : Claim # XXXX for account ending in XXXX XXXX XXXX, We finished researching your dispute ( s ). Based on the information we have, your claim has been denied because : The info we got from the merchant shows this is a valid transaction. 
You can still try to resolve this directly with the merchant ( s ). 
To request copies of any documentation used to make this decision, call us at XXXX. 




The bank has no interest in helping me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DPT EDXXXX XXXX Balance Owed : {$1400.00} ; DPT EDXXXX XXXX Balance Owed : {$920.00} ; DPT EDXXXX XXXX Balance Owed : {$4200.00} ; DPT ED/XXXX XXXX Balance Owed : {$9100.00} ; XXXX XXXX XXXX Balance Owed : {$19000.00}.
Product: Debt collection

This company uses illegal and abusive collection practices. They also go by the name XXXX claiming to be some sort of legal mediation company. They will refuse to identify themselves as a debt collector. They continue to call friends and family members even though they have my phone number, address and email address.
Product: Credit reporting, credit repair services, or other personal consumer reports

While using Amazon I attempted to apply for Amazon XXXX but by mistake it was something associated with synchrony Bank I was not trying to apply for credit as soon as I was alerted on XXXX XXXX  I called directly to synchrony Bank to let them know of what had happened and please to remove that inquiry they said they would do so and it has not yet been done and that was almost three or four months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reporting agency show hard inquiries I didnt apply for and they said they dont care I said its Identity theft and here 's the report they said they wont accept it I have proof from XXXX From them my information was compromised in the data breach they said they dont care. I have a id theft report they refused to use I mailed it to them they opened it then returned it saying the will not except this id theft report and all three credit reporting agencies have been sent these reports before 5 times, and they didnt care and there is more then the hard inquiries I my form that are on report due to id theft. 
And here is the proof of the if theft report you requested again for the 4 time everything on this complaint shows proof of identity you requested
Product: Money transfer, virtual currency, or money service

On XXXX of XX/XX/2021, PayPal did send me an email requesting me to provide information since the account was TEMPORARY limited until I present the documents requested. 

On XXXX of XX/XX/2021, I provided all the information and documents requested that is National ID, Bank Statements, Proof of address and information on my account activity. 

On XXXX XX/XX/2021, my account got PERMANENTLY limited by PayPal despite providing valid and sufficient documents and information requested one ( 1 ) day earlier.

At the time of closure my account has a total balance of {$140.00} which I can't have access to until 180 days have elapsed.

I have tried to reach the company via their official XXXX handle and direct calls with no avail. Upon checking on the Resolution center, they said the decision was final.
Product: Mortgage

I previously opened up a complaint ( XXXX ) and it has been closed without the issue being resolved. Mr. Cooper provided an untruthful response that they are working on the issue. I am currently on the phone with XXXX XXXX  and they ( rep ) have informed me that Mr. Cooper has not been in contact with them to assist with resolving this issue. Can someone take the time to do some research on this issue? At this point, I am filing a complaint with the OCC and seeing what other course of action can be taken since no one seems to be able to resolve our issue. I thought the purpose of the CFPB was to actually do research not just accept a " canned '' response that a company provides.
Product: Mortgage

when I was out of state my father received a home equity loan on his home in XXXX he had had a XXXX before this and his doctor had told me he was in need of 24 hr a day care. I talked with the doctor and social services about needing me to help him with his affairs. Their is not a easy or clear way for anyone being someones power of attorney to watch over another affairs when they do not want help. after the loan was taken out I had gone out of state to look for work that I was able to do because of my health and local economic down turn. My wife stayed with my father to see after him and help with what ever she could be allowed to by my father.He still was in command of his finances and other parts of his life but my wife cooked meals and cleaned house and drove him to any destonation he wished. when I had returned home the mortgage on his home of 49 years was behind and its county property taxes and a few other obligations. his bank and mortgage holder was XXXX XXXX in XXXX Washington but had been takin over by Umpqua bank. This XXXX branch and also the lead branch in XXXX, Washington would not let me look into his accounts or even ask questions. one one visit to the local branch my father had ask a question about his balance in his checking account and the teller replyed ... bring your check book in on Friday afternoon and I will take it home over the weekend and look into it. I ask my father if he had done this before and he told me yes a few times. I called the XXXX branch and reported the problem I felt had happen and was told they could not deal with me on my fathers accounts. my father did not want me to look into it any further and I did not until his passing in XXXX of this year when I found out his home was in foreclosure. I had told Umpqua bank I would take over the loan or get my own mortgage and they served me a law suite to remove my self and my wife from his home. I have done no other actions since that 3 days ago until now reaching out to the cfpb. If their is any way you can look into this I would be in your debt for life since I do not want my fathers home and my childhood home in the hands of the most unbelievable bank I have ever heard of! Thank you, XXXX XXXX XXXX
Product: Debt collection

I have disputed my debt collection with the credit bureaus several times and the information continues to come back verified. I do not believe that they are completing a full investigation on my accounts. I do not have any knowledge of this debt. The negative item does not meet the FCRA reporting requirements. I do not recognize how and why this information is reporting and must be deleted immediately. This is in violation of FCRA laws ( 15 USC 1681b ), ( 18 USC 894 ), and ( 18 USC 1028A ). Please verify and provide that I have an agreement contract with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Please provide information for the process that you used to complete an investigation regarding my previous dispute.
Product: Debt collection

I am currently living in XXXX and have been here for the past two years. My mother received a letter from Radius Global Solutions saying that I owe money for XXXX. I told her not to pay it since it might be a possible scam. This is impossible as I do not have a XXXX account and even if I did, it would be called " XXXX XXXX XXXX which is the XXXX  brand in XXXX. I saw my credit score take a large hit from this company. I do not have an XXXX  telephone number to be reached at and all attempts to reach the company through their customer support has failed. Every link that I tried to click on to reach their customer support portal is not working. This might be because I am trying to connect from XXXX. I can not call their number without taking a large hit on an XXXX  fee. Please help me, my hands are tied and I never been in debt collection before. I make enough money to pay any of this off but I do not have a XXXX account so I was convinced this was 100 percent a scam.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate account listed on my credit report. The account in question is listed under the name XXXXXXXX XXXX XXXX XXXXXXXX, account number XXXX, and pertains to a debt originally owed to XXXX XXXX 

The details of the disputed account are as follows : - Account Type : Debt Buyer - Date Opened : XX/XX/XXXX - Delinquency Date : XX/XX/XXXX - Balance : {$3700.00} - Status : Collection account as of XX/XX/XXXX I have reason to believe that this account has been reported inaccurately, violating the Fair Credit Reporting Act ( FCRA ). Specifically : 1. Inaccurate Reporting of the Account Date : The account was first delinquent on XX/XX/XXXX, yet it is reported as opened on XX/XX/XXXX. This misrepresentation of the account 's timeline is inaccurate and misleading, as the delinquency predates the reported opening date by several years. As such, this raises concerns about the validity of the reporting practices used by the debt collection agency. 

2. Unfair Collection Practices : The debt collection agency has engaged in unrealistic debt tactics by continuing to report inaccurate information and refusing to correct or delete the entry despite my previous disputes. 

Given the inaccuracies surrounding this account, I request that you immediately remove this erroneous entry from my credit report. 

Enclosed, please find the following documents to support my claim : 1. A copy of my credit report highlighting the disputed account.

2. Documentation of prior communications regarding the dispute. 

Please confirm in writing once this dispute has been resolved and provide me with an updated copy of my credit report. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

This is a complaint against JP Morgan Chase and the credit cards it issues. Specifically on XX/XX/20 I decided that I no longer wanted to possess an annual fee product called the Chase XXXX XXXX XXXX XXXX card. That evening I spoke to customer service and terminated that product. 
I indicated to the agent that I wanted a similar Chase product without an annual fee and I would apply directly. On a recorded conversation the agent acknowledged the conversation and closed the account but never warned that I would not be eligible to apply myself for 48 months. Based on that the next day XX/XX/20 I applied directly for the no annual fee Chase XXXX XXXX product and in writing was FALSELY told " You already have a XXXX credit card account with us '' - ( Ref # XXXX ). In a XXXX/XXXX/20 letter from the Chase Executive office ( Ref # XXXX ) they claimed that the computer system at Chase did not update in a timely fashion believing that I was applying twice for the same or similar products when in fact I had none. There confusion about a false positive was used as an excuse to deny me consideration for a new product-the first time. In the XX/XX/20 letter ( written as a response to former CFPB Complaint ID # XXXX XXXX Chase Executive Office staff wrote " ... however you can submit a new application if you would like and we will make our decision based on your qualifications. You won't be eligible for any new enrollment offer ... ''. Based on that I reapplied on XX/XX/20 for another Chase XXXX XXXX product and without considering my qualifications was rejected for the second time and told " You earned a new account bonus on a Marriot card in the last 24 months ( Ref # XXXX ). This letter negated the representation of the Chase Executive Office that " ... however you can submit a new application if you would like and we will make our decision based on your qualifications. You won't be eligible for any new enrollment offer ... ''. Regrettably any outreach to the Chase Executive Office became futile. Specifically the XX/XX/20 letter XXXX XXXX XXXX # XXXX XXXX suggests that ... '' If you have any questions please call Txxx at 1-877 ( -omitted confidentially ) - extension # omitted for confidentially. Sadly I placed two calls on XX/XX/20 to Txxx - ( name omitted ) -with one documented voice mail and never the courtesy of a returned phone call. On the second call I asked if anybody at the Chase Executive Office would assist but all inquiries were directly routed to Txxx ( name omitted ) with a resulting non response- If she had returned my call I would simply have asked about an application for a Chase XXXX XXXX with no reward as suggested in the XX/XX/20 letter but she nor anyone else in the Chase Executive Office demonstrated no interest in speaking to me about this concern! Based on these systemic failures by JP Morgan Chase I am requesting third party intervention.