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

The following Accounts showing on my Equifax Credit Report are Fraudulent 1 ) Account owner Joint Account Date reported XX/XX/XXXX Account status Unpaid Creditor Classification Rental/Leasing Original amount owed {$2600.00} Original creditor XXXX XXXX XXXX XXXX Date assigned XX/XX/XXXX XXXX XXXX XXXX XXXX Status date XX/XX/XXXX Delinquency Date of last payment Balance owed {$2600.00} Comments None Balance date XX/XX/XXXX Date of first delinquency 2 ) Date filed 3 ) XX/XX/XXXX 4 ) Bankruptcy disposition 5 ) XXXX XXXX 6 ) Liabilities 7 ) Individual/Joint 8 ) Individual 9 ) Current disposition date 10 ) XX/XX/XXXX 11 ) Exempt amount 12 ) Comments 13 ) Case number 14 ) XXXX 15 ) Date reported 16 ) XX/XX/XXXX 17 ) Court number/name 18 ) XXXX 19 ) Individual/Business 20 ) Individual 21 ) Asset amount 22 ) Date verified 23 ) Prior disposition 24 ) XXXX FILED 1 ) XXXX  XXXX Bankruptcy Reference NumberXXXX ( This Bankruptcy Belongs to a XXXX XXXX ) XXXX XXXX XXXX XXXX  Amount {$670.00} Account # XXXX Date opened XXXX XXXX XXXX XXXX Account XXXX XXXX Amount {$900.00} XXXXXXXX XXXX XXXX Account # XXXX Amount {$7100.00} Date opened XX/XX/XXXX XXXX  XXXX Bankruptcy
Product: Mortgage

My loan was transfered to shellpoint mortgage from XXXX    XX/XX/2019. When the loan was transfered my unit number was omitted and i never received any statements or any other documents. When i called i was told that my loan was in the process of transfering and i should call back. When i called the number that i was given i made a payment over the phone and was given a confirmation number for the payment and 3 other payments after that. I still had not received and statements or documentation either by mail, email or phone. It wasn't until i went to make another payment by phone and my balance was very high. I called spoke with someone and was told my payments had not gone through and that i was being charged NSF and late fees. I was told my unit number has been omitted and my statements had come back. I have called, emailed several times and keep being told my case is being worked on. I recently discovered this has affected my credit and now need to fix that. Thank you in advance for your help.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed 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
Product: Credit reporting or other personal consumer reports

In my agreement of the XXXX XXXX  with the higher balance. It was agreed by multi people, multi org levels right up to the XXXX XXXXXXXX . When paid as agreed. Any reporting would either be updated to no data or blank. Or any negative remarks would be updated. Between mid XXXX XX/XX/XXXX. The phone calls have multiple recordings of this. Within email/ messages it is also committed too. I was told bluntly to my face when the XXXX XXXX was settled officially I called and ensured on my update its the last piece of my ruined life and finances for no reason at all, thanks for that. And was told within 30 days the settlement and reporting would be finished. Months and months dispute after dispute still waitin so I can get my life on track. XXXX havent you done enough damage. You always got paid in full so no hard ever done to you. XXXX, house, any options gone still because of the 3 incorrect but regardless agreed to be taken care of payments. Plz update
Product: Vehicle loan or lease

Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account
Product: Consumer Loan

Original loan amount was XXXX, now I owe over XXXX, none of my payments go to the balance and I am now unable to pay at all after having a death in the family.  I don't want to have to claim bankruptcy over this one stupid decision.
Product: Checking or savings account

I had a checking account with TD Bank where I had fraudulent transactions on the account that I had disputed. Some of the transactions were reversed in my favor and some were then returned to the consumer. The charges were exactly the same as the charges that were reversed in my favor, but the claims specialist incorrectly put my claims in as merchant dispute instead of a fraud claim. When I tried to correct them they stated nothing can be done since my claim was already denied. This makes so sense as previous charges for the same cause were in my favor. They reported me to collections and now being harassed.
Product: Money transfer, virtual currency, or money service

I received a series of text messages notifying me of the use of my bank card throughout the United States while I was in Minnesota. Soon after, someone claiming to be from XXXX XXXX XXXX called me to inform me of the suspicious activity on my account and offered to help me set up a new account by transferring my money to a " safe '' account via Zelle. Unfortunately, I fell prey to the scam, transferring a total of {$2800.00} in XXXX separate transactions of {$2300.00} and {$500.00}. 

I have attempted to retrieve my money, as I have read that other victims of fraud have been successful in doing so. However, the process requires a payment ID, which I have been unable to obtain from XXXX XXXX  XXXX despite spending more than 8 hours trying. The Zelle website suggests calling XXXX XXXXXXXX XXXX 's customer service number, but I have found them to be equally unhelpful. 

It seems that XXXX XXXX  XXXX, which owns Zelle, will continue to hold onto my hard-earned money until I am able to take legal action.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding multiple hard inquiries that were added to my credit report without my authorization or a permissible purpose.

I never applied for credit or authorized these companies to access my credit file. I submitted disputes to the credit bureaus and requested verification from the furnishers involved, asking for documentation proving my consent or a valid business reason. None of the companies responded or provided proof of authorization.

Under the Fair Credit Reporting Act ( FCRA ), inquiries require a permissible purpose ( 15 U.S.C. 1681b ), and unauthorized access is a violation of my rights. These inquiries were not initiated by me and continue to negatively affect my credit profile. 

I am demanding full deletion of all unauthorized inquiries from my credit report due to lack of verification, no documented consent, and violation of FCRA standards. These are harming my credit score and financial opportunities.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX Experian is violating my privacy act. I have filing complaint against these so call credit companies since 2017. Help Help
Product: Checking or savings account

My account was hacked and they stole my money So the same person that stole my money they deposit some check on my account that were not under my name so the bank cashed the check so i notice all this transactions on my account and i call the bank like 4 times telling them that my account was stolen and that it wasn't that me that was doing the transactions so they told me that dont worry that my money was save so now they close my account and told me that i dont have money there i dont know what happen with my money they dont want to give me my money back when my whole account was stolen and they knew about it and didnt do nothing now they close the account and send my money to i dont even know who
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information under Section 1681O - Civil Liability for Negligence Noncompliance. 

Dear XXXX, I am writing to formally dispute an entry on my credit report that I believe to be inaccurate, and to assert my legal rights under Section 1681O of the Fair Credit Reporting Act ( FCRA ), which provides for civil liability for negligence when credit reporting agencies fail to comply with the law. 

I have identified the following inaccurate information in my credit report : Account Name : Credit Corp Solutions Inc Inaccurate Information : Provide a description of the inaccurate item, such as late payment, incorrect balance, etc. 
Date of the Report : XX/XX/XXXX Under FCRA Section 1681O, I am entitled to dispute any information that is not accurately reported, and I believe this information is not in compliance with the requirements set forth by the FCRA. I respectfully request that you investigate the inaccuracies in the information listed and correct it immediately. If the information can not be verified or is found to be inaccurate, I ask that it be removed from my credit report in accordance with the law. 

In accordance with Section 1681i ( a ) ( 1 ) ( A ) of the FCRA, I request that you conduct a reasonable investigation of the dispute and notify me in writing of the outcome within the 30-day period. Additionally, if you determine that the information is indeed inaccurate, I request that you promptly update my credit report and notify any parties who may have received my report in the past six months.

Please confirm that you are following the procedures required by the FCRA, and provide a complete and accurate report upon completion of your investigation. 

I appreciate your immediate attention to this matter, and I expect a prompt resolution. Should you fail to properly investigate or correct the inaccurate information as required under the FCRA, I reserve the right to pursue all available remedies, including seeking civil liability for any negligence or noncompliance with the law. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I was expected to receive my direct deposit through Capital One from my employer on XX/XX/year>. When I went to make a transaction, I realized my paycheck had not been deposited. I called Capital One, waited on hold for about an hour, and was told they are having a technical issue and are working to resolve this issue. It is not the morning of XX/XX/year>, and my direct deposit is still not in my account, in addition to another deposit that should be posting on XX/XX/year>. This is extremely inconvenient and frustrating. Capital One provided no notification that this problem was occurring and they have no timetable as to when it will be resolved.
Product: Credit reporting

I 've requested the documentation that was used to verify these accounts multiple times as well as the procedures used and have received no response. In addition, there are accounts that were reinserted after being deleted and I was never notified which is in violation of section XXXX. Lastly, there are accounts that are being reported my multiple companies which is double jeopardy and is in violation of a new agreement made with the CRAs. If a collection agency sells, transfers or does n't manage an account, it must removed : XXXX XXXX this account was previously removed on my XXXX report and the was reinserted on my XXXX report and you did n't notify me of said reinsertion which is a violation of section XXXX of the FCRA - remove this immediately! 
XXXX XXXX how is this account reporting THREE TIMES? 
XXXX XXXX how is this account reporting THREE TIMES? 
XXXX XXXX I have no knowledge of this account - remove immediately! 
XXXX XXXX I did n't receive the documentation that was requested or the procedures that verified this account- therefore ; it is not legally verified and must be removed. Also, this account is being reported multiple times on my credit fil and XXXX does NOT hold my account - that is double jeopardy and must be removed immediately! 
XXXX # XXXX I did n't receive the documentation that was requested or the procedures that verified this account- therefore ; it is not legally verified and must be removed. Also, this account is being reported multiple times on my credit fil and XXXX does NOT hold my account - that is double jeopardy and must be removed immediately! 
XXXX # XXXX you have the wrong balance and the date opened is not even in the same month that the account was opened in XXXX # XXXX XXXX does NOT hold this account and they must delete it because that is double jeopardy! If a collection agency sells, transfers or does not manage an account, it must be deleted. Not only that, but there has been no legal verification of this account. I do n't have a collection with this company!
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Have been owner of a XXXX XXXX XXXX Credit Card for at least XXXX XXXX. No problems in that time period until recently when ( apparently ) there was fraudulent activity with my card. Was told to destroy my old card ( I did ) & that Capital One ( owner of card ) would send me a new one. Have been awaiting a new card for some XXXX XXXX or so. First they said I had to prove that I was who I said I was. I sent them a photo of my drivers license, which they said was unclear, so I sent a perfectly clear one via computer link. They apparently did not like that either, so then, I sent a copy of my passport. I STILL did not get my new credit card and in addition, I got a bill from them for {$95.00} which they said was composed of {$40.00} in " fees '' & {$69.00} in " interest ''. These XXXX figures add up to {$100.00} NOT {$95.00}. I have NO outstanding balance on this suspended credit card and am wondering how this bank can charge interest on a " XXXX '' XXXX & " fees '' without any explanation as to why they would charge me a fee, since they have not done anything that I can see which should cost me a " fee ''.
Product: Checking or savings account

the Huntington Bank is harassing me XXXX XXXX the Huntington Bank XXXX XXXX XXXX XXXX Oh XXXX they are Harrssing me about something thing that was charge on my card in the year of XXXX  10 years later they knocked on my door stalking me harassing me when they refused to put a law suit on me and granished my wages in XXXX  so now iam not working they want there money back the attorney said I don't have to patd them your under the provery line I have not heard from them for 10 years now now I don't have any money and they want there money back Huntington bank XXXX I am not the payee my caseworker is she will not paid them XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/2020 Status of payments is incorrect. 
I closed this account and do not want it on my credit report anymore. The payment status is incorrect. It states that i did not pay on time for multiple months which is not accurate. It has since hurt my credit score. This being on my credit with incorrect information has made it very hard to get new loans when i have current on time payments for the past XXXX loans i have had for new cars. I have been trying very hard to work on my credit to build it. This has nothing but a negative impact on me. I have tried multiple times to dispute and have XXXX XXXX XXXX fix this as well as the credit agencies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX
Product: Debt collection

My lease was XX/XX/XXXX to XX/XX/XXXX for {$30000.00}, which was {$2500.00} a month, I was given a Concession Addendum total sale price of {$8600.00} which means {$720.00} credit will be applied to each rental installment per month. 
That brought my total lease to {$21.00}, XXXX, and I paid {$19000.00} towards the lease which left a {$2400.00} balance on my lease when I moved out on XX/XX/XXXX. 
The Apartment claimed a debt towards me of {$7700.00} and turned it over to a collection agency. I then sent all my receipts, lease and the Concession Addendum documents to the three credit bureaus and the collection agency so they can correct the amount, and I can pay and resolved the true balance but my disputes was denied they requested the {$7700.00}.

I later called the apartment and found that it has new owners and staff and the company that says I owe them {$7700.00} has closed. I called the parent company of the apartment and they have no record of ownership, yet gave me a number to call that was disconnected. I then called the collection agency back and asked for an updated number to the parent company but was denied that information as well.
Product: Student loan

Since XX/XX/XXXX I have contacted XXXX lender and the collection agency Regional Adjustment Bureau ( " RAB INC '' ), several times to get clarification about the loan balance details because they doubled the balance of the student loan from $ XXXX to $ XXXX. When I requested the detail information I found that the original lender may have changed and at the moment I do n't know who is the lender. Currently I am in collections and they have told me I have different balances : first $ XXXX, then $ XXXX and now $ XXXX. When I recently called them XX/XX/XXXX they informed that my balance was {$65000.00} but denied to give me any details ; at the same time I was asking them about affordable options to repay the debt, including a rehabilitation program that they have information about posted on on their website " Regional Adjustment Bureau, Inc '' ; they indicated that I do not qualify for that, but at this point I do n't trust them with the information. I need clarity about the balances and details about interest and fees as well as options to rehabilitate the loan. My impression is that excessive fees and interest are being added to the loan. I need obtain accurate information. Also, I need to know who is the Lender and how to get in contact with them.
Product: Debt collection

15 USC 1681 Section 602 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 a account without my written instructions. 15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. PLEASE UPDATE ACCOUNT TO XXXX  IMMEDIATELY THANK YOU AND ADVANCE IF YOU CHOOSE TO IGNORE THE LAW I WILL SUE FOR ILLEGAL DAMAGES YOU HAVE CAUSE ME AND MY FAMILY THANK YOU.
Product: Mortgage

rushmore filed with the uscfpb a response stating that m ymortgage loan with them has a maturity date on their amortization schedule of XXXX while their website states that the maturity date is XXXX. the XXXX has a balloon payment that was never disclosed by XXXX XXXX predatory lender in either of the XXXX required TILA disclosures. so now rushmore is not able to fell me what the maturity date is since there response to uscfpb says XXXX and their website says XXXX for my XXXX trust loan. 








Contact Us : XXXXXXXXHomeRushmore Loan Management Servicesphoto of a neighborhood Loan Servicing CenterCurrent Loan Information Make a Payment Automatic Payments Home Loan Assistance Loan Activity Tax and Interest Payoff Statement Year End Statement Personal Preferences Email Inquiry FAQ Log OutCurrent Loan InformationLoan Number : XXXXProperty Address : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX printer-friendly versionBorrower Name : XXXX F XXXXPlease note all information is as of the end of the last business day. A business day is generally Monday through Friday, except holidays. If you have any questions, please call us at XXXX Monday - Thursday XXXX to XXXX PST, Friday XXXX to XXXX PST. 



General Loan InformationCurrent Principal Balance {$32000.00} Effective Interest Rate 5.000 % Loan Origination Date XXXX/XXXX/XXXX Original Loan Amount $ XXXXXXXXFirst Payment Due Date XXXX/XXXX/XXXX Loan Type Conventional Loan without PMIMaturity Date XXXX Payment Method Monthly Statement Payment InformationScheduled Payment Breakdown : Last Payment Breakdown : Next Payment Due* XXXXXXXXPrincipal & Interest $ XXXXXXXXTotal Monthly Payment $ XXXXXXXXPayments received more than 10 days after thepayment due date may require a late charge of {$10.00}. 


* If Next Payment Due date is in the past, additional payments, charges and/or fees may be required to bring your loan current. 


Principal Received $ XXXXXXXXInterest Received $ XXXXXXXXFor more detailed information, click hereYear-To-Date TotalsPrincipal {$340.00} Property Taxes $ 0.00Interest {$680.00} Hazard Insurance {$0.00} return to loan servicing center printer-friendly version Privacy Policy | Terms of Use | LicensingEqual Housing Opportunity. Equal Housing Opportunity | ( C ) Rushmore Loan Management Services LLC XXXX. All Rights Reserved. 

( C ) XXXX XXXX XXXX XXXX XXXX. All Rights Reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding Violation of verification and reporting of. Negative items ( revolving account ) on my credit report ( s ), where I personally contacted XXXX and verified with the company that they do not verify or provide information to 3 party credit reporting agencies. How is it possible, EQUIFAX is reporting a negative XXXX account Your assistance is greatly appreciated. Out of the 3 CRA only EQUIFAX is reporting this account that is not my account/ never had an account with XXXX XXXX, incorrect " XXXX '' data and violates FCRA provision 605,607,611 and 623a
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I requested a re-Investigation under the Fair Credit Reporting Act, Public law 91-506, Title VI, section 611, Subsection A-D to provide me the name and business address of each individual with whom they verified with on my orginal request to investigate my dispute dated for XX/XX/2018. 

I received a responce back asking specifically why I should have the original items re-investigated which its clearly my consumer right to have a re-investigation if im wanting mnore information abouit there first investigation. Please see all letters attached including Experians recent Stall Letter to not investigate my disputes when requested.