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

Rushmore Loan Management Services continues to defraud and undermine the authority of the CFPB, FTC and other state and federal agencies, through negligent unfair violations of the FCRA, FDCPA and other state and federal regulations. Rushmore Loan Management Services has undisputedly re-aged an account first reported delinquent by XXXX on XX/XX/XXXX, and continues to extraneously verify by, Rushmore finds no evidence to support that your credit has been falsely re-aged. Your loan was acquired from XXXX XXXX XXXX on XX/XX/XXXX. At that time, loan was due for the XX/XX/XXXX monthly installment. Therefore, Rushmore is reporting your loan accurately. This is an insidious deception constituting intentional misconduct under both Federal and State Laws. The FCRA and case law is clear and unambiguous on this matter : the 7-year time clock starts running on the Date of First Delinquency ( DOFD ). Reporting of DOFD is, under FCRA 623 ( a ) ( 5 ), based on information obtained from the Original Creditor. One debt collector selling the debt to another collector is irrelevant to the 7-year rule. The federal FCRA and state statutes of limitations are separate and independent of each other. A review of the attached Customer Loan Inquiry, XXXX Notice of Intent to Cure, XXXX Account History, as well as, the series of attached credit reports, show PROOF POSITIVE that Rushmore Loan Management Services has illegally re-aged this account. The legal obligations under the FCRA Furnisher Rule completely discredit Rushmore Loan Management Services denial of involvement in improper investigations. Well-founded through disputes Ive already submitted, Rushmore furnishes falsified information to the CRA 's, repeatedly verifies it, then wrongfully shifts responsibility to the credit reporting agencies. Attached are dispute responses from XXXX, XXXX and XXXX evidencing Rushmore 's furnishing of fraudulent verifications. As a result of these reckless, wanton and intentional acts, I have suffered and continue to suffer considerable, irreparable, emotional, medical and financial damages. Rushmore Loan Management Services disregard and willful violations of the FCRA, FDCPA, and, my rights as a consumer, have caused unfair harm by seriously diminishing my credit rating, causing denial of credit, cancelled credit cards, missed job opportunities, escalated interest and insurance rates, and, loan terms I no longer qualify for.
Product: Credit reporting or other personal consumer reports

This is the third request to Transunion not to report my employment on my credit report. I have not requested, nor do I have a line of credit with my employer. Therefore, it is not necessary for them to be reporting on my credit report or other contracts to have this information.
Product: Credit reporting or other personal consumer reports

I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX # XXXX Date open XX/XX/XXXX states that I had a late payment on XX/XX/XXXX but before this showed another date, since I have started asking for the dates to be corrected, they just keep moving around XXXX XXXX late which never happened. This was sent to me on File Number XXXX of XXXX Issued XX/XX/XXXX. In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please Provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

Upon checking my credit I have notice fraudulent accounts and incorrect information
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to Equifax stating they have violated my right to privacy in accordance with 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

After showing that even XXXX XXXX found that the information was found to be unverifiable and moved to delete it from their record. Where then does Equifax gets its verification from to willfully be non compliant? This has caused me great hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed that you are reporting against the FCRA standards. How can Ipossibly owe two balances from two companies for one account? Please explain to me how I owe this debt to two people? It seems to me as if you are unclear yourself otherwise you wouldn't be reporting these erroneous accounts.You have been reporting this error on my account damaging my credit. 

Please delete BOTH of these accounts from my credit report immediately. I would like to resolve this before I consult with my attorneys to pursue legal action. 

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

Dear XXXXXXXX XXXX  and Credit Bureaus, I am writing to express my concern and seek immediate resolution regarding an ongoing issue with XXXXXXXX XXXX, specifically involving a late payment report that contradicts consumer protection laws. Despite my attempts to resolve this matter directly with XXXX XXXX  I have encountered significant obstacles that necessitate this formal complaint. 

Firstly, the Client Resolution Specialist assigned to my case, XXXX XXXX, has not been cooperative. Despite my repeated efforts, including at least a dozen phone calls, XXXX XXXX has consistently failed to return my calls or provide the necessary assistance. Furthermore, the communication with other agents has been unhelpful and, at times, has worsened the situation due to serious internal miscommunication issues over the past year. 

A critical point of contention is XXXXXXXX XXXX 's claim that I had access to the web portal during the loan modification process, which I did not. This miscommunication was a result of a system error on the bank 's end, an issue I have raised multiple times through emails and phone calls. This I believe is not an everyday occurrence with all your customers and in this case a negative personal experience and not a standard procedure. Yet XXXXXXXX XXXX keeps reporting this information due to a negative experience stemming from their web portal on my Credit report. Despite providing evidence, including screenshots, to demonstrate the technical fault with XXXX website that led to the late payment, there has been a clear disregard for these facts by XXXX XXXX. 

This erroneous late payment reporting has unjustly affected my credit score and financial standing. It is crucial to note that the late payment report is not a reflection of my financial responsibility but a consequence of a fault within XXXXXXXX XXXX system. The lack of acknowledgment of this error and the subsequent negative impact on my credit report is a serious concern. 

I urge XXXXXXXX XXXX to conduct a thorough investigation into this matter and rectify the late payment report accordingly. I also request that the credit bureaus take note of this dispute and consider the information provided in the evaluation of my credit report. 

I expect a prompt response and resolution to this issue. Your attention to this matter is not only crucial for correcting my credit report but also essential in upholding consumer rights and the integrity of credit reporting. 

I also humbly request that the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience in this ongoing negative personal experience with the Bank. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2023, I opened up a new business checking account with USBank for the first time. I responded to a promotional offer USBank sent me, which offered {$500.00} in new business account setup after {$3000.00} was deposited into the account and maintained for 60 days. Then, on XX/XX/XXXX, I receive in the mail a paper statement from USBank informing me that a {$6.00} " analysis service charge '' was assessed to the account. I immediately called USBank and spoke with XXXX, who informed me that USBank charges a monthly {$6.00} service fee to receive a paper statement in the mail. 

This fee was NOT disclosed on the offer signup, nor when I signed up with the account. As a result of the {$6.00} fee, my account did not maintain a {$3000.00} threshold amount. XXXX walked me through my online account to turn off the paper statements, so that a fee would not be assessed AND XXXX credited back the {$6.00} XXXX paper statement fee, as well as the future XXXX statement fee! 

A statement fee was NOT assessed on my account for XXXX or XXXX, after XXXX setup my account AND by default, USBank has set up my account to receive a paper statement ... that was NOT my default preference and I did not agree to a {$6.00} bank statement fee!
Product: Credit reporting or other personal consumer reports

Account Name : XXXX Account Number : XXXX I am disputing the monthly updates of a charge-off on my credit report, as it should be reflected as a single event, not a payment history. This falsely extends the statute of limitations and makes the account appear more recent. According to the Fair Credit Reporting Act ( FCRA ) and applicable laws, I request the immediate removal of this account, as it has not been properly investigated and the information is inaccurate.
Product: Student loan

My main issue is this loan was taken out when I was XXXX old. I'm now XXXX years old in XXXX. I just paid off my original loan amount of {$10000.00} last year. When I paid this loan off in XXXX, I still had a balance of {$7000.00}. I would still be paying for this loan if it were not for obtaining some financial help. It's just sad how long I paid for a loan that the school ended up closing because it was basically a scam school. So not only do I have an Accounting Certificate from XXXX XXXX XXXX that means nothing but I also wasted a lot of money in interest and principle paying for an invalid school. I did not know better when I signed up for this school. It's too late to take back what happened. I'm a person that pays their bills so I was never late on a payment. It's good that the school can not do this any longer, but I could finally have a sense of relief when that loan was paid in full.
Product: Credit reporting

XX/XX/XXXX Certegy was fined $ XXXX by the FTC for inaccurate reporting to credit agencies and for making it overly challenging for consumers to have it corrected as Certegy Refuses to do the proper research as required by law. They are still operating under these procedures and I am tired of this company destroying my credit. Certegy claims that in XX/XX/XXXX I had a check returned and unpaid that I wrote to Go-daddy. I have pulled up the receipt from the XX/XX/XXXX transaction with XXXX and it shows that it was paid with a credit card and settled in full immediately. I contacted Certegy and they stated that they have no records of the transaction but they continue to report to the credit agency that the check was a write off. The only possible explanation I can think of ( which I had to make up in my mind because there is no evidence of it ) is as follows. I had XXXX XXXX set up to pay by electronic check. When I moved to XXXX and opened a new account the payment did not clear as I had the old account closed. This showed as a returned e-check but was immediately paid by the secondary payment option ; my credit card. However ; Certegy stepped in the middle and says I had an unpaid bounced check. Certegy tells the credit agency it was never paid but then tells me they have no record of the transaction. I have the paid receipt and credit card transaction. How is it possible Certegy can claim to the credit agencies that I had a returned check on XXXX XXXX, XXXX when I have a paid credit card receipt for the transaction on XXXX XXXX XXXX, they tell me they have no record of it, AND ; I still have the XXXX account, have run thousands of dollars through it and sold the URL that was paid for in that transaction to another party 18 months ago. I have pulled up my XXXX account going back to XXXX and there is no returned payment for {$81.00}. However ; there is an {$81.00} paid transaction on a credit card on the same date. I have attached the receipt and the account history. I have been trying to get this off of my report for over two years. All Certegy and the XXXX XXXX do is send electronic messages instead of doing actual research like they forced me to do. I should not have to be the one to prove my innocence in this case. If they are going to put something on my credit report they should have to prove their claims.
Product: Credit card or prepaid card

I have purchased a {$50.00} gift card for Google Play. I securely paid using XXXX XXXX for the gift card addressed to myself digitally with a serial number and yet again google prompts me to upload an image of the Digital gift card, receipt of purchase, and a picture of my ID in which I immediately do again. 

On my previous complaint to the CFPB # XXXX which took close to 3 weeks to resolve on behalf of Google. 

Google had tied up my money and didnt allow me to use my gift card for purchases. I received a Bureaucratic runaround and no evident action was being taken. 

I called and spoke to XXXX I had explained this matter is happening now for the 3rd time & was asked to wait it out like the last time then given Google Support Inquiry : Case ID [ XXXX ] which only addressed a separate issue which is Googles fraud prevention department locking up my credit/debit card purchases not even acknowledging the gift card situation. 

I dont want to have to go through this again as this department is not able to be directly contacted as well as unresponsive, Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my accounts was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not reported. 

In accordance with the Fair Credit Reporting act. This accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Please apply these laws to account : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 
15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally ; Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692b - Acquisition of location information not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector. 
The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 States A consumer reporting agency can not furnish an account without written instructions. 

In addition, the following collections agencies have committed violations of the Alabama FDCPA Law. Alabama requires all debt collectors to be licensed in ALABAMA in order to collect a debt. 

XXXX XXXX XXXX Also, the Credit Bureaus took more than 30 Days to complete my investigation ALL dispute letters were sent by Certified Mail. Letters sent on XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened an American Express Platinum card with a XXXX bonus point offer this past XX/XX/XXXX. During the application, it asked me for my income, and, as I was a XXXX XXXX at the time, put {$0.00}. My card was still approved. For the first payment, I forgot to inform my checking account bank that I had a new credit card, so when they saw the payment, they flagged it as fraudulent. I straightened it out and paid off my debt as soon as I realized.
I met the spending requirement for the bonus points, but never received the bonus points or spent any bonus points at all. The account was fully paid off.
After this, American Express canceled my Platinum card. They say it was due to my {$0.00} income ( which they knew about when I applied ) and due to the fraud alert on the card ( which was not a genuine fraud ). I spoke with them on multiple occasions and was assured once I started my new job this summer after XXXX that they would reinstate the account.
I have now started my new job and called American Express to reinstate my account. They told me I would have to apply for a new Platinum card as they can not reopen the card. They told me that I will not be eligible for the XXXX bonus point offer because I previously held a Platinum card ( despite not receiving or using any bonus points whatsoever ). They refused to compromise on this situation and instead offered me a Platinum card without any bonus points attached at all.
Product: Credit card or prepaid card

In XX/XX/2017, I opened a Saks Fifth Avenue store card that was serviced by Capital One ( SaksFirst Store Card ). Not long after opening the SaksFirst store card, I was diagnosed with XXXX on XX/XX/2017. 

Due to the length and nature of my treatment, I did not use the Saks card for the first few years after opening it. 

After my father passed away on XX/XX/XXXX this year, I planned to use the Saks card for a dress shirt for his funeral. Due to the COVID-19 restrictions in my state, we were not able to schedule a wake and burial until XX/XX/XXXX. 

I tried to purchase a dress shirt on XX/XX/XXXX, but I was informed that my account was closed by Capital One due to inactivity. 

I am not so much concerned about losing the access to the credit line. My main concern is my XXXXredit score. I was notified today by my credit monitoring service that the closed account caused a substantial drop in my credit score. 

I understand full well that closing inactive accounts happens every day and is extremely common. Seeing that the account was closed less than 3 weeks ago, I was hoping that there would be some possibility that it could be reopened. 

I have been through so much these last few months, and I feel like I keep getting knocked down. 

Either way, I appreciate the consideration. 

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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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: Mortgage

USAA incompetence lending practice and lack of integrity has stonewalled me, my family and my future from progressing. I've been imprisoned in a financial nightmare since USAA recruited me for my mortgage refinancing in 2015. There is no consistency in Loan Numbers and VA Case numbers on recorded documents. A month after the closing USAA underwriters sent me an email, with an attachment, asking me to resign the Original Note due to an error on their part. First, Not one Official representative or XXXX XXXX ever showed up or contacted me to set a date or time to witness the signing. Second, the original closing took place in my home and not at a bank which I thought was odd. 
The closing agent refused to provide me with any signed copies of the paperwork. 
As you can see by the documents I have provided. Again there is an inconsistent reporting on this refinancing initiated by USAA. XXXX XXXX  is just as confused as I am and they are unsure of how to help me. My question is this. Why is USAA reporting to XXXX XXXX  that in one year, there was a Deed in lieu of Foreclosure and in another there was not. In addition to reporting to credit reporting agencies that I stop making payments on a loan and went into foreclosure. I strongly believe there was no legitimate loan at all and that USAA stole my property and the equity it held. The foreclosure on my credit report is untrue and inaccurate. 
USAA is going to say in their response that the foreclosure process was ruled on and upheld in XXXX, Colorado courts. However, there has to be a conflict of interest when XXXX XXXX XXXX XXXX now use the property as a secured asset which backs a multi XXXX dollar loan.
Product: Credit card

XX/XX/XXXX XXXX Wells Fargo Rewards sent a check with my maiden name. Called Rewards to inform them that check had maiden name and must be reissued to current name. Rewards stated that they didn't have options to update name that it must be done with Credit Card. Told Rewards that Credit Card has had it updated since XXXX. Rewards stated that it had to get done through the Credit Card department. Got transferred over to Credit Card department and they told me that my information was updated that Rewards had to update it on their end. I got transferred over to Rewards again and they once again told me that it was Credit Card who had to do it. Agent wanted to transfer me over back to Credit Card. I explained the situation, told them I was just transferred from Credit Card and requested to speak to a supervisor. The agent then proceeded to tell me he had no supervisor. I got very upset and told him that my situation was above his pay grade level that it had to be handled with a supervisor and he refused to transfer my call to a supervisor as requested and proceeded to terminate my call claiming that he couldn't verify me despite me giving my card number, social, and both last names!