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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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: Credit reporting or other personal consumer reports

Im in disbelief after seeing inaccurate accounts on my credit report this morning, and I have no clue where they came from. I do regular checks, but this time, errors suddenly popped up without warning. I refreshed my browser, hoping it was just a mistake, but nothing changed. I am extremely concerned and need assurance that my documents will be properly reviewed so I can stop living in fear of this happening again.
Product: Mortgage

I have question ( s ) about my current mortgage and fee ( s ) that appear on my statement ( s ) that were not present in the original mortgage. First is concerning a HOA/Inspection fee. My address has never been included in an HOA and I am unaware of what these fees ( {$15.00} + {$1.00} ) actually represent.

In addition, the mortgage was permanently modified by XXXX in XXXX, as such ... any changes in my mortgage should have been made available to me at the time the mortgage changed hands from XXXX  XXXX XXXX to Rushmore servicing. The final statement from the previous servicer/lender ( XXXX  XXXX XXXX ) dated XX/XX/XXXX reflects the actual regular mortgage amount of {$480.00} cents. The initial welcome letter from XXXX shows that regular mortgage payment pegged at {$540.00} dated XX/XX/XXXX ... a {$65.00} monthly overcharge that Rushmore Loan Management had a duty to know was happening after I mentioned it to XXXX XXXX, Asset Resolution Specialist who was assigned to my mortgage at that time. I notified XXXX XXXX during the initial transfer from XXXX XXXX XXXX to Rushmore Loan Management Services. 

XXXX XXXX Asset Resolution Specialist, NMLS : XXXX Rushmore Loan Management Services LLC XXXX direct | XXXX fax | XXXX toll-free | fax machine Finally, there is the matter of the escrow account balance. I have included ( attached documents ) of the Escrow Statements that reflect overpayments in XXXX and XXXX of over {$680.00} and {$630.00} respectively. As this is an open Chapter XXXX I did not know if those amounts could be either refunded to me ( or to the trustee ) as the statement suggests, or could be deducted from the principal balance of the overall mortgage. As of today, XX/XX/XXXX ... those funds have not been made available. My question : Since my taxes and escrow were under {$2000.00} combined, Under the Real Estate Settlement Procedures Act Rushmore is allowed a " cushion '' of withholding about {$330.00} ... They ( Rushmore LMS have withheld double tthe 1/16th cushion allowed by RESPA. 


Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : TransUnion XXXX XXXX  XXXX XXXX, PA XXXX I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies of reporting. 

The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. 

OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! 

The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it! 

Below is a summary of the data in which I am challenging : Personal Information for Transunion NAME : XXXX XXXX XXXX XXXX Can you please delete any names in your system that don't match mine? I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any names in your system that don't match XXXX XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX Your most up-to date personal information should be accurate, timely and verifiable. If you don't have the proper documentation for your credit profile then it's not in compliance with FCRA or XXXX XXXX standards. Please delete any address in your system that does not match my address of XXXX XXXX XXXX XXXX, CA XXXX Yours Truly, You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or XXXX XXXX law XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX, CA XXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.
Product: Consumer Loan

My car is financed through Carfinance.com. I fell behind in my payments and have been receiving constant harassing calls from them. The Carfinance.com agents are extremely rude, pushy, and threatening. Even if you make a payment arrangement, they will continue to harass you. They begin calling at XXXX every morning and do not stop until the evening.
Product: Credit reporting or other personal consumer reports

I was surprised and concerned, as I have consistently made timely payments on this account. initially contacted XXXX XXXX  ACCOUNT NUMBER ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX via phone call and email I explained that the late payment entry appeared to be an error and requested its removal. 
The erroneous late payment entry has negatively impacted my credit score, which has negative consequences, higher interest rates, loan denial etc...

This situation has also caused significant personal stress and anxiety to me due to its potential long-term financial implications.

I do not recall receiving such notice regarding the late payment reported on my account, as required by this statute. The absence of this notification is concerning and raises questions about the compliance of your ( their ) reporting practices with federal law. In light of these legal requirements, I am requesting, Proof of compliance with the notification requirement under 15 U.S.C. 1681s-2 ( a ) ( 7 ), specifically evidence that your institution provided me with the required written notice regarding the negative information furnished to the credit bureau ( s ).

A thorough verification of the late payment entry. If this late payment can not be verified, or if it was reported without complying with the notification requirements, I request its immediate removal from my credit report.

My request is based on specific provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), namely 15 U.S.C. 1681a ( 2 ) ( A ) ( 1 ), 15 U.S.C. 1637b, and 15 U.S.C. 1681s-2 ( a ) ( 7 ).

Under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), as a financial institution regularly furnishing information to consumer reporting agencies, you are required to provide written notice to the customer before or within 30 days of furnishing any negative information. This notice is critical for ensuring that consumers are aware of and can respond to reported negative credit events.
Product: Credit reporting or other personal consumer reports

My identity was stolen and I have gone through many companies to get Experian, Equifax and Transunion to help remove information that does not belong to me or accounts I have opened. But after many years not a single thing has changed whatsoever and the accounts are still there and it is affecting me negatively.
Product: Credit reporting or other personal consumer reports

I am writing to address an egregious inaccuracy I discovered while reviewing my consumer report. Upon inspection, I was astonished to find that the following company ( ies ) is/are reporting a late payment ( s ) : 1.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX I demand the immediate removal of these erroneous late payment ( s ) from my report. This demand is grounded in established consumer protection laws that have been unequivocally violated. Below, I reference specific statutes that substantiate my position : 15 U.S.C. 1681a Definitions ; Rules of Construction Section 2, Exclusions, Subsection ( A ) ( i ) : Reports that contain information solely as to transactions or experiences between the consumer and the entity providing the report are not to be considered consumer reports under this statute. 
15 U.S.C. 6802 Obligations Concerning the Disclosure of Personal Information ( b ) Opt-Out Requirements : ( A ) Financial institutions must provide clear and conspicuous notice to consumers before disclosing personal information to third parties. 
( B ) Consumers must be given the opportunity to opt out of such disclosures. 
( C ) The institution must explain how consumers can exercise their opt-out rights. 
15 U.S.C. 1681b Permissible Purposes of Consumer Reports Subsection ( a ) ( 2 ) states that a consumer reporting agency may only furnish a report in accordance with the consumers written instructions. Reporting a late payment as a charge-off is classified as a transaction and does not meet the permissible criteria for inclusion on my consumer report. 
15 U.S.C. 1681n Civil Liability for Willful Noncompliance Subsection ( a ) establishes that any person or entity failing to comply with the requirements of this subchapter is liable for actual damages or statutory damages ranging from {$100.00} to {$1000.00} per infraction. 
It is my right under federal law to hold parties accountable for the willful or negligent violation of these protections. Therefore, I assert my right to seek damages in the amount of {$1000.00} per violation if this matter is not remedied promptly. 
Please understand that simply stating the item has been " verified '' is not an acceptable response. The only valid resolution is the immediate removal of the disputed charge-off ( s ) from my consumer report if the legal basis for its inclusion can not be substantiated. 
I expect a prompt response and an updated copy of my consumer report reflecting the removal of the incorrect information. Failure to comply with my request will leave me no choice but to pursue all available legal remedies to protect my rights. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. There are fraudulent accounts on my credit profile that needs to be removed immediately. I have never had accounts with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, I never have had any credit cards in my life. I have never lived at any of the addresses listed on my report and my name is not XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account : XXXX. BANK XXXX XXXX ACCOUNT # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX BANK # XXXX XXXX. XXXX OF XXXX # XXXX XXXX. XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX # XXXX XXXX. XXXX XXXX  # XXXX XXXX. XXXX # XXXX 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
Product: Debt collection

On XX/XX/18 I sent XXXX  a letter asking them to validate these alleged debts. On XXXX XXXX I received a letter from them saying they didn't see any inaccuracies on their end. As you can see in the letter of validation I sent them they didn't provide me with anything I had requested. XXXX  failed to validate the alleged debt. Also, XXXX  is also NOT allowed to be collecting debts in the state of Texas. They don't have a bond or a license in the state of Texas. Not only has this company been reporting to each credit bureau every month, they are still trying to collect this alleged debt when they legally are not allowed to in my state. I attached all the letters and a screen shot of the Texas Secretary of State website showing this company is Not legally allowed to be collecting debts in my state.
Product: Credit card or prepaid card

My credit card was hacked and on XXXX XXXX, 2022 the credit card company closed and was going to send replacement. XXXX was promised on XXXX the XXXX, didn't come. Then promised on XXXX the XXXX, then promised on XXXX the XXXX before XXXX XXXX. Never came. Called multiple times with no satisfaction or where card is. The credit card is Barclay.
Product: Debt collection

On  XXXX   XXXX   2017 Wakefield & Associates  posted a collection in the amount of {$410.00} to my credit report. I did not receive a letter regarding this debt and have no idea what it is so sent a debt validation letter via certified mail on  XXXX / XXXX / 17 . Tracking showed it delivered on  XXXX . I have not received any response but I was under the impression they are not allowed to attempt to collect or continue updating regularly to the bureaus until they verify the debt. They have updated on my reports 3 times since receiving my request on  XXXX . Once on  XXXX , once on  XXXX , and once on  XXXX . I submitted a complaint on BBB last week and have yet to receive a response. Also, the alleged debt is said to be from my local hospital but the hospital is not familiar with this collection agency. I want it removed from all of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account : XXXX XXXX with account number XXXX has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a issue with my credit file due to someone using my ID and SS to open up accounts and utilities in another city and state. My correct name is XXXX XXXX XXXX my only address XXXX XXXX XXXX XXXX, OH XXXX please delete any other address : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have never lived in NEW YORK in my life. I have several numbers that do no t belong to me on my file please delete them : ( 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 the following account are unknown unverified accounts : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX
Product: Debt collection

I am submitting this complaint because I am being extremely affected by FINANCIAL CREDIT NETWORK , INC. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

I was overbilled and I was not given proper notices despite letting XXXX XXXX XXXX  know my new address : Your collection company harassed me and called me at odd hours and did not stop calling after I told the customer service reps not to call. 

My account is : Account Information : Date Opened : XXXX XXXX, 2015 Balance : {$0.00} Type : Collection Account Solution : Deletion account from all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the summer of XX/XX/XXXX two collection accounts from XXXX XXXX  XXXX XXXX appeared on my credit report. One was for the amount of {$110.00} and the other for {$5.00}. 
1. I had never heard of this medical facility, let alone did I remember ever visiting there. I hadnt even received a billing statement from them or been contacted by them in any way. 
2. It seemed particularly odd that, if this information was correct, I would have been billed for two varying amounts. 

I disputed this information with XXXX and it was promptly removed from my credit report. On XX/XX/XXXX, I filed a dispute with Equifax to have it removed from that report. To my surprise, they denied the dispute on XX/XX/XXXX. In addition to the bizarre circumstances under which this collection appeared on my credit report in the first place, it is even more unbelievable that it could be found inaccurate by one credit bureau but not by another. 

If XXXX determined that this information should be removed from my credit report, Equifax should be required to do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit provides " guidance '' on improving credit scoring. When I follow THEIR guidance nothing happens! I had a XXXX credit score. " Now, it's XXXX! WITH NO CHANGE IN MY PAYMENT HISTORY! To refinance my home at the best rate, 2.25 %, I need an XXXX. My credit is " EXCEPTIONAL '' { Experian 's words not mine } and indeed it is! NO missed or late payments EVER. YET month after month NO VIABLE INCREASE. I guess their " scoring rules '' use things like " length of credit accounts '' which I have NO CONTROL over except MORE WAITING for time to go by! This is UNFAIR and UNJUST. THE US GOVT NEEDS TO STEP IN AND MAKE THESE CREDIT COMPANIES BE REALISTIC! They REFUSE to do it on  their own!!! If I am, by THEIR OWN WORDS, " Exceptional '' WHY isn't it designated XXXX NOW!!!??? IF CFPB is a watchdog agency, where are the REPERCUSSIONS for these companies? Reaching AN IMPOSSIBLE STANDARD is NOT a " Standard ''. Also, as SOON AS YOU LOG IN, one is MET with PAY US {$24.00} A MONTH and things will be better! SCAM!!
Product: Debt collection

To whom it may concern this is a ongoing problem with the practice of this business after I was being told there be no more further collection and their statement was forwarded to Department of Business Oversight of California I still continue to receive different types of collection agency attached is the documents trying to have a mutual agreement they had ( 4 ) different licenses and ( 2 ) different addresses neither from California also 4 enforcement actions. I was unaware of their practice.
Product: Student loan

I have been working with Fed Loan to certify my income for an income based repayment plan since XXXX. After having to submit multiple applications with different supporting information to verify my income and employment, I was told that my monthly loan payment would go from {$200.00} per month to {$450.00} per month. I could n't afford the extra monthly payment, so I immediately contacted Fed Loan to request a lower payment amount, and I 've been dealing with that issue since XXXX. 

I uploaded my application to change payment plans to their online document server on XXXX XXXX. My previous repayment plan ended XXXX XXXX, and then starting in XXXX I was supposed to owe {$450.00}. Since I still had n't heard anything from Fed Loan about the status of my request, I called customer service on XXXX XXXX and asked what I was supposed to do about my payment. I was told to not make the {$450.00} payment that my account says I owed, but to instead wait until XXXX, pay a {$5.00} skip payment fee, and then my new payment plan would begin. Just to be safe, I requested that they put my loans in forbearance for the last 10 days of XXXX so my account would n't be marked delinquent. 

I waited through XXXX, but my account never showed the {$5.00} payment. I spoke with an employee via chat on XXXX XXXX, and was very clearly told that I should NOT make the XXXX payment, but wait until XXXX XXXX, then pay {$5.00} even though that was n't the amount I was told was due. She told me that {$5.00} would bring my account current, and then they would process my request to change payment plans.I submitted my initial request in XXXX, and they still had n't processed my paperwork 4 months later. 

I did as I was instructed, and early in XXXX my account was still showing the past due amount for XXXX. I called customer service on XXXX XXXX to ask about this. I was told that they were still processing my application, and to call back in another 2-3 weeks if I had n't heard anything. I was promised that my account would be returned to good standing once I was switched to a different repayment plan. 

I received notification my repayment plan change on XXXX XXXX and told that my new payment amount would begin for my payment due XXXX XXXX. My loans are currently in forbearance for XXXX, but my account still shows I owe the XXXX payment. I chatted with someone today, XXXX XXXX, and was told that I was given incorrect information about my XXXX payment during my chat conversation on XXXX XXXX. 

The person I chatted with today told me that he put in a request for an administrative forbearance to cover the XXXX payment, but that would take 15-20 days to process. He assured me that if I make my XXXX payment in full and on time it would still count toward my qualifying payments for XXXX XXXX XXXX XXXX. In the meantime, I was instructed by a Fed Loan representative to continue to let my account remain delinquent. 

I tried to clarify some final details at the end of our conversation, but the representative I was speaking to stopped responding to my questions. After 15 minutes without a response from him to repeated chats I sent, I disconnected.