23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX credit card : This company does not have autopay and they are charging {$XXXX} late fees on a balance of {$XXXX}. On the XXXX I went to make a payment and the system wouldnt let me make a payment and I also noticed that there were XXXX charges on my account that were not mine. So I waited a few days and I called them to let them know that I needed to dispute charges. The amount I owed with the late fee and the balance was {$XXXX} I disputed the charges and asked them to wave the late fee which is absurd at {$XXXX}, especially on such a small balance and also with them not having autopay which Im sure they are counting on. ( Very predatory ) and she said she would. I then was told to wait until the account resets after the late payment was taken off along with the XXXX charges, so I did. The next day I checked the balance and what payment I had to make and the new minimum amount owed was now {$XXXX}!!! 
I called again, and they told me that that was the new payment because I was now due for XXXX. XXXX date is XX/XX/XXXX. They doubled the minimum amount due and didnt wave the late fee which I was told would be fine because the only reason it was late was because the system wouldnt let me pay it, and I saw charges that werent mine. So they are charging high late fees, they dont have the system available during a time when charges are due, and the are charging a full XXXX weeks ahead of time as a minimum due. So what if someone sees a minimum due of triple what it should be and just panics because its not in budget? That along with high late fees, and a broken system for taking payments and no autopay makes me feel like they are purposefully being predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted this company 4 times and unverified items remain on credit report. I have not been provided any proof of a signed contract. They have not provided me with their method of verification. I do not know who does the investigations or how they do them.
Product: Consumer Loan

I get multiple calls before my due date. If I happen to mention a day that I will pay, I will get calls every day after that day if I do not make it in until I come in. Very unprofessional and down right annoying. The loan is for less than {$600.00}. The payments are {$90.00} a month. Its ridiculous. No auto pay option thru the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

The major credit bureaus such as Experian, XXXX and XXXX XXXX have an obligation to the public for honesty, that mandated through the Fair Credit Reporting Act. The credit reporting agencies have a strict subscriber agreement to those companies, banks, credit card companies and collection agencies to abide by the laws of the Fair Credit Reporting Act, Fair and Accurate Credit Transactions Act, and the Fair Debt Collection Practices Act. However, debt collectors for student loans break the law continuously. Take XXXX XXXX XXXX for one. This agency has never shown proof that they were ever granted collection rights from a securitized trust where all of my student loans were owned. However, upon obtaining my student loan information, I never made one payment to this agency as my loans were always in deferment while I finished school. However, this agency, upon obtaining my information without a right to report it without servicing rights or ownership rights, and this same agency took my information and posted immediate 90-day late payments across the board on at least six separate accounts. This abusive practice by student loan collection agencies is abusive, and I have been the victim of an agency that in my belief had no rights to servicing or ownership. Accordingly, this agency has violated my rights under FCRA and the subscriber agreement they signed with all pertinent credit reporting agencies. These accounts must be deleted and my files purged along with my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit on Experian. I notice a XXXXXXXX XXXX  card for XXXX which I never opened I found the account was used in Florida. I reside in New Jersey. My information was used fraudulently. I filed a dispute they refused to take it off my report.
Product: Debt collection

Im unaware of this debt youre attempting to collect, I also was not provided with the opportunity to dispute this debt. Nor did I receive proper notification of this debt. If in fact you believe you provided me with proper notification, please send me a certified receipt with my signature on it.
Product: Mortgage

My father passed away in XX/XX/2020. I had been paying the mortgage till XXXX or XXXX when bank accounts were frozen after learning of his passing. Due to covid-19 it took longer then usual to get the surrogate letter done, opening up an estate bank account and so on. During this time ( XXXX 2020 ) we were receiving calls for the mortgage from the mortgage company ( Rushmore Loan Management Services ) and i explained to them every time that he had passed away and we are doing what we can with getting his estate done and once we have everything settled we would be paying the mortgage in full. Of course because i was not my father they did not care one bit what i was saying to them and continued to call harassing me for payment. 
On XX/XX/2020 i faxed ( # supplied by Rushmore ) all needed information ( Surrogate  letter, death certificate ) so that i can be added to the account and discuss the payout with them. XX/XX/2020 I call them again to get an update since i had not heard from them. Person i spoke with ( XXXX ) said there were no notes in the system that i had sent any information and then proceeded to tell me the fax # i sent it to he does not know where that went and supplied me with a new fax #. XX/XX/2020 i call again and speak to another rep ( XXXX  ) and he states again there are no notes that any paperwork has been received. He asked me for the fax # 's i was sending them to and now i am being told the 1st number was correct and that he does not know what the 2nd fax  number given to me went to. 
All i want is a payoff amount so i can pay this mortgage off and close out my dads estate and move on. Having to call this company several times and keep getting the run around is crazy and it is not fair to someone trying to deal with an estate. These people have no compassion or care one bit. 

Rushmore Loan Management Services XXXX www.rushmorelm.com
Product: Checking or savings account

Chime has closed my account after me banking with them for 7 years, i did not breach contract nor did i do anything for my account to instantly be closed ..... 

There are still pending Disputes that need to be resolved that havent. its insane how once i filed a complaint with THe CFPB my accounts gets closed.. 

The closing of the account has put a bad mark on my consumer report which is giving me a hard time to open any other accounts. 

I believe this is wrong and terrible that they will do this. 

i have asked many times for a reason in the closing of my account and no answer has been given.

'There are over XXXX dollars in disputes remain un XXXX. i have submitted all documentation and there is no reason for it to be denied ..... 

they have ruined my consumer report and as well lowered my XXXX XXXX with the early closing of there credit account,,,, which as well gave me a bad mark on my credit report
Product: Credit card or prepaid card

Someone opened a credit card with XXXX XXXX XXXX in my name XX/XX/XXXX and spent {$1200.00}. I was notified by XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Does the Experian staff actually read the letters I send, or do they just blindly crank-out response-letters that have absolutely nothing to do with the items in dispute? 

Does the staff have the required training & knowledge to understand and comply with both FCRA 611 ( 5 ) ( A ) ( i ) and FCRA 611 ( 6 ) ( B ) ( iii )? 

Or, are they just overloaded, underpaid and really don't give a rip?
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

CMRE dispute is valid. I'm attaching original invoices from Hospital showing their collection is incorrect and want them removed immediately. Also, you have failed to mail me the results of your investigation. Hence, the reason it was being disputed. 

I want XXXX and XXXX to remove both invalid collections.
Product: Debt collection

As part of my agreement to pay the account in full the company agreed to delete the account from my credit reports. The account was paid in full on XXXX/XXXX/2014. To date the company has not forfilled there promise and the account is still on my credit reports. I called the company to follow and they stated that they will not stop reporting the account or ask the credit companies to remove the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to XXXX XXXX XXXXXXXX, yet XXXX XXXX XXXXXXXX is not removing this fraudulent account. XXXX XXXX XXXXXXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX XXXXXXXX has refused to do this. The following is the fraudulent account : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3100.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4600.00} which were open at an address which I have never lived at and it has nothing to do with me. Accounts showing above are indicating with an address ( XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) which is not mine and I never lived there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last few months I have been trying to get my credit work done between the three credit bureaus equifax XXXX XXXX and XXXX  they have failed to honor and repair my credit I have a notice that shows and if you read it it will tell you according to the fair credit report section 609 you are required by law federal law to verify through physical verification of the original signature and they do not do that they Get online and wait for the creditor to respond no written signature from me and then they say that the credit is mine they to nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

Several letters were mailed to dispute inaccurate information on my credit report. I have not received an updated response within 30 days of request.
Product: Prepaid card

I loaded {$500.00} to Payactiv and after trying to use the card. They locked the card and refused to work with me to get this corrected. It's been months and my father needs help with his expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with out my wriiten instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX, I have an auto loan listed on my account as well as several inquiries that are not mine. I have filed an affidavit with Federal Trade Commission as well on this matter. I am asking this information is removed from all 3 credit bureaus in accordance with 15 U.S. Code1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt. 

These accounts should not be on my consumer credit report and under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I DID NOT, AT ANY TIME, give any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights. NO CONSENT IS IDENTITY THEFT and am requesting the deletion of the accounts listed VASTLY from all 3 bureaus. 

Fraudulent Accounts CREDITACPT XX/XX/XXXX {$13000.00} XXXX Fraudulent Inquiries XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This information on my credit report was not reported per FCRA guidelines. I should have received documentation, or received contact, that this information would be reported to my credit report. I have disputed these claims, and have received no documentation confirming the right for these items to appear on my report.
Product: Money transfer, virtual currency, or money service

I transfer a money to western union and my sender has a different name in her ID's.. i call western union after a weeks and they sed the reciever can claim in 2days ... until now they canot claim the money now it is unavailable in the system ... plss help me.. they need the money by my couzen..
Product: Credit reporting, credit repair services, or other personal consumer reports

There are over 31 hard inquiries on my report I do not reconie. XXXX XXXX resent, XXXX XXXX XXXXXXXX XXXX recent for car there is 3, loan inquiries did not do, us bank, XXXX XXXX XXXX debt consolidation. all but 3 are in correct
Product: Money transfer, virtual currency, or money service

This is a resubmission to closed complaint XXXX. TD Bank responded that they restored access to my XXXX account which they have not. I would like to resubmit this complaint as despite numerous calls with various departments they are continually passing the buck to other people and being non-responsive to me despite repeated assurances.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed certified documents to update my credit report with XXXX and I recived Notification on XX/XX/XXXX those documents were recieved & signed for by XXXX XXXX at XXXX in XXXX , Texas . The documents reflect there are 2 accounts ive settled XX/XX/XXXX. I have recorded & saved each call to XXXX, Barclays, & XXXX XXXX. Ive also attacthed the multiple calls made as well as the date the documents were signed for. On XX/XX/XXXX XXXX i called and spoke with a representative to check status of the documents being recieved I was advised not yet & to check back. On XX/XX/XXXX XXXX I called again and spoke with a representative and was advised no documents were recieved yet & to check back I then requested a supervisor or another representative and I eas transferred to a survey & hung up on. I called back on The same day at XXXX and was advised to allow time for documents to be recieved. I called on XX/XX/XXXX XXXX I was again advised no documents have been recieved. I called again on XX/XX/XXXX XXXX and I was advised once again there are no documents recieved yet. I called on XX/XX/XXXX & I was advised no documents have been recieved so I requested another representative I was again transferred to a survey & hung up on so I called back on XX/XX/XXXX XXXX to get the same information. I called once again today XX/XX/XXXX XXXX i was told there are no documents I requested a supervisor the representative hung up on me. And here we are at this point almost 30 days later no documents recieved and XXXX representatives hanging up on my while XXXX continues to report innaccurate information. In 12 more days XXXX will be in Violation of the FCRA guidlines of putting my account in dispute status & getting my credit profile updated correctly which I will then be forced to file suit rightfully so.
Product: Mortgage

Ocwen is our servicer for our loan. I fell behind a couple of months XX/XX/XXXX. I stayed in constant communication with them to try to modify or get caught up with my payments. They gave me a different amount to pay every time I spoke with someone and they even game my cousin who is an attorney a different amount than me within 10 minutes of calling them. Then XX/XX/XXXX, they called me and told me that I was approved for the modification. I agreed to send them 3 months of payments to show good faith. I even sent the payments via fed es on XX/XX/XXXX. That very same day, they claim that they served me with a summons to foreclose. I do not recall at all receiving that bc I would have been really taken a back considering I just sent them 3 months of payments per our agreement. Now, they are trying to push a sheriffs sake on the property all the while their customer service e dude is lying to me staying my property is absulutely not in foreclosure. I 've still been trying to work with them in the modification. I e never been denied but they keep stringing me along stating that they need different Infornation. I feel completely taken advantage of, they lied abs completely misled me all the while trying to sell my property while they tell me it 's not in foreclosure. Please help. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS ARENT MINE, NEVER AUTHORIZED THOSE ACCOUNTS TO BE OPENED. 

XXXX ( Miscellaneous ) XXXX XXXX, XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED 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 : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance  : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance  : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  XXXX ) XXXXXXXX Balance  XXXX {$760.00} ; XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  XXXX ) XXXXXXXX Balance : {$290.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$810.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXXXXXX Balance  : {$760.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX ) XXXXXXXX Balance : {$1100.00} ; XXXX XXXX (  Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance  : {$660.00}.