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

I paid off and closed this account with Greensky XXXX XXXX  on XX/XX/2019. 

They have YET to report to the Credit Bureaus that my account is PAID AND CLOSED. 

I have contacted Greensky 5 different times : Home Improvement : XXXX Patient Solutions : XXXX Retail & E-Commerce : XXXX Monday - Saturday XXXX - XXXX ET Sunday XXXX - XXXX ET XXXX They assured me that on XX/XX/2019 the credit reports would be notified the account was paid and closed. This has NOT HAPPENED. Today is XX/XX/2019 I have disputed this with XXXX  twice and XXXX  three different times. XXXX I have provided the letter stating the account is closed and has a XXXX balance and they still state that after contacting Greensky the account information reflected on my report will remain. 

This has negatively affected the rate I will receive on my mortgage.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBERXXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBERXXXX ACCOUNT NAME XXXX XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBERXXXX ACCOUNT NAME:XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT NUMBERXXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX  ACCOUNT XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Checking or savings account

Company Citi Bank XX/XX/XXXX, Opened Citi Priority Checking and Savings accounts XX/XX/XXXX, Deposited $ XXXX to Checking account and {$25.00} to Saving account XX/XX/XXXX, After more than 60 days of meeting the $ XXXX deposit requirements, Saving account was upgraded to accelerated saving while waiting for {$700.00} new account opening bonus for another 90 days. Customer Service stated I am already qualified for {$700.00} bonus and saving account upgrade would not impact my ability to receive the {$700.00} bonus XX/XX/XXXX, I did not receive the {$700.00} after 90 days waiting period. Filed promotion dispute. 
XX/XX/XXXX, Citi saying not eligible due to saving account was not opened within stated time frame. It was completely incorrect as my Saving account was opened on the same date on XX/XX/XXXX, which were reflected on the XX/XX/XXXX statement
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$21000.00} ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Rushmore Servicing/Mr. Cooper/Nationstar continue to not answer our questions in our complaints with CFPB and/or lying by omissions in their answers.

They have now contradicted themselves, once again, in stating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is NOT the investor while continuing to state on the recorded phone calls on XX/XX/XXXX & XXXX XXXX, that XXXXXXXX XXXX XXXX XXXX XXXX the investor on the loan in question. Rushmore is also stating that a Referral For Foreclosure letter was sent by XXXX XXXX XXXX on XX/XX/XXXX that claims that the investor is XXXX XXXX XXXX XXXXXXXX for XXXX and this letter was the start of a foreclosure complaint in NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX with the Plaintiff being the investor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX This is A clear violation of the laws of the NJ XXXX  Court. 


We are Requesting the CFPB makes Rushmore Servicing answer truthfully for what we are now demanding the answers to as they continue to avoid answering all questions asked regarding : XXXX why the Referral Letter for Foreclosure XX/XX/XXXX and the Foreclosure complaint by XXXX XXXX XXXX XX/XX/XXXX contradict each other when they named two different investors for the same foreclosure complaint... 
XXXX. When and how was XXXX XXXX involved in the Foreclosure complaint from XX/XX/XXXX through XX/XX/XXXX and why did XXXX XXXX office state that many mistakes were made on recorded phone call and the file has been closed as of XX/XX/XXXX. 
XXXX. What exactly is the line by line item for the total of {$3300.00} for the foreclosure fees by XXXX XXXX XXXX which seems to be outrageously high for less than 2 months of time of foreclosure activity, ( to say nothing that it should have taken place in the first place with the mistakes and errors and contradictions and why it was dismissed on XXXX XXXX. XXXX, why is it still against the account & being worked on to be removed by XXXX XXXX XXXX as of this time and date... 
XXXX. Why is Rushmore response to the previous CFPB complaint state a Notice of Default Demand Letter was mailed in XXXX XXXX Rushmore Loan Management Service XXXX XXXX ). How can that letter be mailed by RLMS when they merged assigned Servicing to Rushmore Servicing/Mr. Cooper/Nationstar merged on XXXX XXXX. 
XXXX. How was the XXXX XXXX Rushmore Mortgage Statement Accelerated to {$770000.00} and yet the XXXX XXXX Statement no longer has accelerated figure and we need a full explanation for the {$290.00} maintenance fee and {$5100.00} in legal fees on the Rushmore Statement. As no maintenance on the property of XXXX XXXX XXXX has ever taken place on behalf of Rushmore Servicing and the legal fees are above the {$3300.00} stated above by Rushmore response for XXXX XXXX XXXX.
Product: Debt collection

XXXX XXXX is not legally authorized to collect debt in the state of Texas. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from  engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 
Based on the information filed with the Office of the Secretary of State, the bond for this company has been cancelled, and  therefore they are not legally able to attempt debt collection within the state of Texas, where I reside, and can not report these false negative items to the credit bureaus. Please remove this item from my credit report for all 3 bureaus asap and stop contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some inquiries on my report that don't belong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you AGAIN I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX ; US DEPT ED XXXXXXXX Balance : {$4200.00} ; US DEPT ED XXXX Balance : {$17000.00} ; US DEPT ED XXXX Balance : {$9400.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX.
Product: Debt collection

I haven't lived in XXXX since XXXX. I have permanently lived in XXXX since XXXX. 

Try to collect for an application fee. 

National Credit System for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX
Product: Money transfers

XXXX/XXXX/15 I requested a Paypal Credit line to use for an upcoming purchase. I also requested instructions in advance of that purchase, so that the purchase would qualify for their promotion - 0 % interest for XXXX months on purchases over {$99.00}. I received an invoice for my purchase and made a downpayment of {$500.00} using Paypal credit. When I received the merchandise I made a second payment of {$1700.00} ( so both transactions on that invoice qualified for the 0 % promotion ). When I noticed that I was charged interest by Paypal credit, I called to dispute the interest charged. I was told verbally that they agreed that I had made the purchase following their instructions and should have qualified for the promotion. That person indicated I would receive an email with the dispute resolution in 24-48 hours. The email that followed said I did qualify for the promotion and would see changes to my account in another 24-48 hours. XXXX days later the interest was still on my account. I called again on XXXX/XXXX/15 and after several discussions was told that because I made XXXX payments on the invoice it voided the promotion. I asked that Paypal refund the interest charged, since that detail had never been adequately explained in previous conversations. ( Indeed other Paypal reps had indicated I qualified for the no interest promotion and it should be resolved to my satisfaction. ) On XXXX the " supervisor '' I spoke with ( XXXX ) refused to remove ( or credit my account for ) the erroneous interest charged. I feel Paypal Credit owes me a refund of {$28.00} - a small price to pay to retain goodwill with a responsible customer.
Product: Student loan

Parent Plus with Great Lakes. Original amount was XXXX ( XX/XX/XXXX ) and now is over 19,000. I have paid since the onset of the loan in XXXX. I have somehow been duped, lied to and placed in a never ending payment plan. How does this happen? I was unable to secure another loan to pay this one off. I DO NOT believe this type of interest gouging is legal- if this is- SHAME on them and the Fedreal Government for allowing this agency to take over these loans. I am more than happy to pay off the original debt. This new debt is way beyond my original agreement. I have been swindled. What can I do?
Product: Credit reporting or other personal consumer reports

I had an account with XXXX that went to a collection agency called XXXX. On XX/XX/XXXX I paid the remaining balance of {$2100.00} and I have documentation they sent me regarding receiving the payment. On XX/XX/XXXX the payment was received by XXXX and I called them multiple times to ensure this was the case. Since then Experian still shows I owe that balance although paid. When I called XXXX as to why it shows in their system that there is no balance, but being reported to Experian that there is, they said, " it was nothing they could do on their end, but that the account has no balance ''. So I decided to dispute with Experian. I disputed with Experian regarding this on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and submitted the document located below to support, yet they said it will " Remain ''. I have screenshot on my phone showing the balance has not been up dated on Experian since XX/XX/XXXX. This is concerning and suspicious to me because why was it updated every single month when I was in default on the account, but yet it stops reporting the balance once the account is paid in full with collections. I have no other options other than to report because nothing I have tried has worked with Experian. If I dispute it and give the receipt of payment if they actually checked then why would it still say the balance hadn't been paid or updated since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On AugustXX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXXXXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Credit reporting

A charge-off / lien has been reported to my Equifax credit file by XXXX. The charge-off is associated with an address I have never occupied or been associated with. Furthermore, I lived out of state during the time period in question. I have disputed with Equifax and XXXX and they are making it nearly impossible to remove the charge-off. XXXX refuses to allow me to file a fraud complaint without personally showing up to their local offices ( which are few and far between ) with a police report and multiple forms of identification including my social security card.Although Equifax agreed that I have never been associated with the address or account in question, they will not give me any additional information or assistance. They simply tried to upsell me on additional fraud and credit monitoring products. They also claim I am not allowed to speak to a supervisor or obtain any contact information from their customer service reps. 

This charge off is preventing me from refinancing my home and has reduced my credit score by XXXX points in comparison to the other credit reporting agencies.
Product: Vehicle loan or lease

My original complaint number is XXXX and Capital Credit LLC just breached 26 U.S. Code 7213 - Unauthorized disclosure of information. They had no right to publish my personal information on this open platform. Now this has caused me harm and I will seek legal action.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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.
Product: Student loan

MY LOAN WAS WITH SALLIE MAE, NOW NAVIENT. I BELIEVE THERE WAS ALOT OF FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

this complaint is on TransUnion XXXX and XXXX in regards to reporting inaccurate information AFTER they have Verified as Accurate account XXXX XXXX XXXX. 

Trnsunion results File number XXXX Date Issued XX/XX/XXXX Verified as Accurate Account Type OPEN ( this item should be closed because XXXX XXXX provided me with a response yet and the debt has not been proven under my name legally ) having my name and address is not validation. I want the signed documents proving I agree to pay them what I claim I owe ) Balance and Past Due {$8400.00} but the Original Balance is {$8400.00} 7 Year fall off date XX/XX/XXXX. 

XXXX results Report Number XXXX Date Generated XX/XX/XXXX Verified as Accurate and Updated -NO RESULTS were provided to me to view. I had to get a new report separately. If this item was Verified and Updated like experian has generated then I should be able to view a updated report reflecting the updates. 
I got a new report XX/XX/XXXX and these are differences. 
-Activity in the Payment History on XX/XX/XXXX proving that this account is still open when it should be closed and ceased from collection and rerooting. 
A payment history ( XXXX never extended me credit so we do not have a payment history ) Balance and Past Due {$8400.00} but the Original Balance is {$8400.00} On Record Until XX/XX/XXXX. 

I got a new report from XXXX on XX/XX/XXXX and the following errors show- this account is CLOSED. 
- Date of XXXX deliqneucny XX/XX/XXXX causing the 7 year reporting time to be set to XX/XX/XXXX. 
- a existing payment history with NO DATA -INCOMPELTE closed date ( but claim this account is closed ) -Past Due {$8400.00} ( I never had a contract with them so a past due does not exist. 

I have NO CONTRACT with this entity. This entity is reporting inaccurate different information but continue to verify information with the consumer reporting agencies. I have already filed a complaint on XXXX XXXX XXXX and awaiting for correspondence. XXXX XXXX XXXX is fully aware of the information being reported because I sent them notice of the errors and the fact that they are reporting a account and have not provided validation, there collection activities is FRAUD. I sent this letter on XX/XX/XXXX tracking number XXXX at there disputing address XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, MI XXXX and XXXX has recieved my letter on XX/XX/XXXX.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, New York for the retail price of {$20000.00}. Upon the initial purchase, I placed a {$1000.00} deposit and signed a financing agreement for sixty months at the cost of {$310.00} per month to the accumulated amount of {$18000.00}. I preceded to sign-up with Hondas autopay program shortly after receiving the vehicle using my XXXX XXXX savings account and prior to the first pay date. Payments of {$310.00} were made each month, in full, without incident, with the final payment posted on XX/XX/XXXX. 

On XX/XX/XXXX I received a notice in the mail from Honda Financial Services regarding a late payment of {$1000.00}. The notice did not specify the date of the alleged late payment. After contacting Honda Financial Services on XX/XX/XXXX, I was told that my first payment dating back to XXXX of XXXX was not posted until XXXX of XXXX. The representative said that in this five-year time frame I was contacted both by phone and through email about the late payment of {$310.00} from XX/XX/XXXX, which has since compiled interest, bringing the total amount to {$1000.00}. 

After retrieving the last email Honda Financial Services sent to me which was XX/XX/XXXX the contents of the email did not specify a late payment. Since that email, I have received two separate emails from XXXX XXXX one from XX/XX/XXXX and another from XX/XX/XXXX regarding their upgrade program, stating that they examined my account and I was eligible for an upgrade. I also received an upgrade notice, by mail, from XXXX XXXX on XX/XX/XXXX with the notice saying my account status is Paid Off. The phone calls I did receive from Honda Financial Services were generic, automated messages that did not specify a late or overdue payment. To the best of my knowledge I did not receive a phone call from an Agent until XX/XX/XXXX. 

I have since had XXXX  XXXX pull up my savings account statements from XXXX of XXXX through XXXX of XXXX, and after reviewing noticed Honda Financial Services did not start withdrawing payments until XX/XX/XXXX. After reviewing my credit report - through XXXX  The missing payment from XXXX of XXXX was not posted late until XXXX of XXXX, and Honda Financial Services did not report the late claim to XXXX until XX/XX/XXXX. On further review, all automated, monthly payments from Honda Financial Services show C for current until XXXX of XXXX, with XX/XX/XXXX showing NR for not reported, then C for XXXX of XXXX. This is confusing because XXXX XXXX, Honda Financial Services and XXXX show the XX/XX/XXXX amount being posted on time. 

My credit score has been dipping since XXXX of XXXX and I am at risk of repossession of my vehicle. I wanted to know what I should do to fight this late claim since Honda Financial Services did not adequately inform me about the missing payment.
Product: Credit reporting

I contacted Experian Via Certified mail XXXX, Rec 'd on XX/XX/XXXX. I had requested a copy of the verification from Experian for the Chapter XXXX Bankruptcy ( # XXXX ). I contacted the US Bankruptcy court and was informed that they do n't deal with credit reporting agencies. That they have there own sources to place inquries on my consumer report. I have placed Security Freeze back on XX/XX/XXXX, XXXX, XXXX, XXXX And XXXX so I am not understanding how Experian was able to verified Bankruptcy, so I have a freeze on 3rd party consumer. I demand that the Bankruptcy be removed from my file due to lack of verification and inaccurate reporting of verification date. I have not receive the documentation shown proof of verification. Because third party consumer do n't disclose information on accounts with a security Free place on them. 
Also on XXXX inaccurate social security number was place on my report : ( XXXX ) Does not belong me.