23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had a mortgage with XXXX XXXX for 20 years and in those 20 years I would go to the XXXX XXXX office and pay cash every month I never missed a payment because it was cash. Now they have sold my mortgage to Rushmore loan management. that company is telling me that I am one month behind I told them several times in writing no I am not so tell me what month you say I didnt make so I can investigate it and prove I didnt pay by looking up all of my receipts all Rushmore does is send me blah blah letters saying we applied this to that and applied this to that and applied this to that it doesnt tell me where the problem originated. I feel like all I am dealing with is a computer never a human and when I try to call them Im on hold for over an hour I cant do that so I write them letters can you contact Rushmore loan services and tell them that I want to know what month They are accusing me of not paying loan number XXXX Rushmore loan management company in XXXX California
Product: Debt collection

I have held health insurance for over seven years. I found this account on my credit reports but have never had any correspondence from them regarding this account. My personal details where compromised in 2012. Please verify the address on this account because there have been attempts to open accounts from an address that is unknown to me in my credit files.
Product: Debt collection

XX/XX/XXXX  noticed an entry on my credit report from Lewis McDonnell & Associates for a Flexshopper account in the amount of {$1700.00} XX/XX/ contacted Lewis McDonnell & Associates via phone to request debt validation XX/XX/ mailed a debt validation request to XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX  called Lewis McDonnell & Associates to inquire about letter XXXX still have not received debt validation
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 XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX - Account XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Account Number : XXXX Account XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX ) - Account Number : XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account Number : XXXX, has violated my rights .

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

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$630.00} ; XXXX XXXX XXXX Balance Owed : {$460.00} ; XXXXXXXX XXXX XXXX Balance Owed XXXX {$1100.00} ; XXXX ; XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that you are reporting incorrect personal information on my credit report. 
I need the following information updated as soon as possible. 


My current address is : XXXX XXXX XXXX XXXX XXXX, FL, XXXX My current phone number is : ( XXXX ) XXXX My current Employer is : XXXX XXXX
Product: Money transfer, virtual currency, or money service

i bought an item and paid in installments on affirm. i returned the item and the merchant refunded ; affirm received the refund *and simply kept it*. it has been over two months and affirm has refused to refund my money.
Product: Payday loan

PNC assessed a {$40.00} late fee despite being technically paid early. I was paid a day earlier than normal XX/XX/XXXX, and scheduled a payment on that same day, XX/XX/XXXX. This payment ended up being credited on the previous ( XX/XX/XXXX Statement ) instead of the XX/XX/XXXX Statement, even though PNC lists XX/XX/XXXX as the Statement Date ( which is Deceptive, I would assume that XX/XX/XXXX would be the first day, not the last day. ) As a result of this double payment accident I was assessed a late fee. I contacted PNC, and spoke with someone that did n't seem to be able to understand the problem, despite repeated attempts to explain that the problem was that I ended up paying a day early, and that what I wanted was for the payment to be moved up a day to fall in the correct billing cycle and the late fee to be waived. 

I feel that PNC, and by extension all Credit Card Issuers and Revolving Line of Credit Issuers are defrauding the public.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX XXXX reporting incorrectly on credit reports. On XXXX reporting lost or stolen card which was true, with XXXX balance and paid on time, which is true, on XXXX   reporting charge off last pay XX/XX/2013 and on Experian reporting account transferred to another office and last payment XX/XX/2013.
Product: Checking or savings account

Holding IRS Child Tax Credit funds XX/XX/2021 unable to answer questions on why funds not available. IRS portal contacted to track funds bank information fell in question, needing 48 hours for review. I also contacted Chase rep stated '' being distributed thru out the day " how ever the IRS send out the payments ... I didn't see anything on the News that stated that, so once again I ask my self is it me or Chase have something much bigger going on .My kids have school XX/XX/2021 .The XXXX acts or getting on my nerves. What gives JP Morgan Chase to hold and distribute funds when it feels the need?
Product: Credit reporting or other personal consumer reports

In the year 2022 I went with good intentions to buy a car at XXXX XXXX in XXXX. I have been affected in my finances and my credit with the inability to obtain a home for my family since this problem has destroyed my life and my credit. The dealer did deceptive, unfair and deceitful acts when selling me this car with compressor problems. I am a family man and I live in XXXX where the heat is strong. This account is fraudulent. 
The account on my credit is XXXX XXXX XXXX : {$15000.00} Account XXXX XXXX
Product: Debt collection

The debt reported on my credit score is a result of fraudulent activity. The debt shown is fraud and I would like it removed off my credit ASAP, or me and my XXXX will have to use legal action.
Product: Credit card or prepaid card

A credit card was opened in my name without my consent Navy Fcu XX/XX/2023
Product: Mortgage

I received my escrow analysis and upon review I noticed that my payment was increasing a substantial amount ( {$200.00} ) a month, despite my insurance only going up a few XXXX dollars for the year. When asked about the increase, I was informed that I was required to pay the shortage amount as well as my escrow amount increasing. I asked what the minimum amount required in my account was supposed to be which is XXXX the escrow payment. I then questioned the logic applied to my account because in charging me for the shortage and increasing my escrow payment month over month, it results in a net positive balance of XXXX the escrow payment AFTER ALL TAXES AND INSURANCE ARE DEDUCTED FROM THE ACCOUNT AT THE END OF THE YEAR. I attempted to explain to them that the way in which they are conducting their calculations is not correct considering by the end of the escrow period they are requiring me to carry DOUBLE the minimum required escrow balance. They told me that it is what it is and their system can not differentiate based on customer circumstance. I feel that this inability to apply policies equally and fairly across the their customer base is a violation of the Frank Dodd act, Section 7 which outlines UDAAP. I as the consumer am being unfairly treated, and can not reasonably avoid the practice of requiring more than DOUBLE the minimum balance required in my escrow account. This is resulting in financial duress to my family as we do not budget for a {$2400.00} a month increase in funds owed when my insurance increase was significantly less. I as the consumer had no way to avoid this practice as I do not have the ability to voice my opinion in a manner that is heard by the financial institution and in discussions the only thing they tell me is they do not control the system and have no ability to right the wrong their company has caused. I am requesting review of these practices to ensure they are in compliance with all federal regulations as governed by the CFPB and I also would like for an audit be completed to ensure that other consumers who are not as well versed in consumer protections be shielded from the inability for a company to look inward on their policies and systems to do right by the people who give them the ability to remain open.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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: Consumer Loan

We initiated an auto loan with Chase approximately two years ago. We started making payments through automatic bill pay at that time. We thought at that time that we were being very dutiful by paying on the first of the month. Well, upon recent inspection of my credit report, Chase claims we have been a full thirty days late the entire term of the loan. Effectively, when our payment is made it has been for the previous month 's bill. Now Chase Auto has made a claim on our credit report that we were 30 days late XX/XX/2016. When I asked customer service why they have n't called or written a letter explaining this inconsistency, they claim they have called ( even though I have NEVER received any call from them ) I am currently trying to buy a house and this report on my credit is holding up my application, and obviously hurting my good credit.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed a copy of my credit report. I am concerned because there was 2 inquiries by Equifax that i do NOT recall authorizing.XXXX XXXX- Inquiry from XX/XX/XXXXXXXX XXXX- Inquiry from XX/XX/XXXXIt is my understanding that you can only make an inquiry to see my credit report if i authorize it. I would like for you to remove this unauthorized inquiries for it is negatively affecting my credit score. Please send me conformation that this has been done.
Product: Credit card

On XX/XX/scrub>XXXX XXXX XXXX XXXXXXXX processed a refund to my Citi Bank Visa Card in the amount. As of XX/XX/year> the refund has not been posted to my Citi Bank Visa Card. Citi Bank has repeatedly stated that the refund has not been received and have refused to investigate further. XXXX XXXX has stated with 100 % certainty that the refund was successfully processed on XX/XX/year> and provided transaction code XXXX as proof and to assist Citi Bank with locating the funds. As of writing Citi Bank has not shown willingness to investigate further. This is the second vendor that I have had an issue with refunding my Citi Bank Visa Card. On XX/XX/XXXXXXXX XXXX XXXX attempted to process a refund onto my Citi Bank Visa Card but could not do so and were forced to cut a check which was sent via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted multiple disputes and an FTC report regarding fraudulent hard inquiries on my credit reports. 

Transunion : 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, credit repair services, or other personal consumer reports

Please see highlighted areas on attachments. 

How is it possible Experian investigated and verified the account but there are still inaccuracies showing if one creditor is reporting the same info? Negligence in reporting accuracy is proven here. Even after asking to investigate. For example, how can Experian report a 90 day late when also report perfect payment history? How can one report a Bankruptcy and months later report a charge off? Multiple violations. I feel as though Experian unfair reporting is violating my consumer rights willfully. Experian listing this inaccurate account info is hindering my personal life. Late payments, charge offs etc. are serious delinquencies. I cant qualify for a home loan or rental. This is negatively impacting my mental state and my children livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. 
XXXX XXXX XXXX Balance {$78.00} Equifax Mortgage Ser XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous certified letters regarding my credit report. I called Tuesday XX/XX/2023 at XXXX XXXX spoke with representative XXXX employee number # XXXX, regarding my concern of late payments reporting. XXXX stated that Equifax reports whatever the information is provided by the agencies even if it is unlawful and illegal. I check my credit report often because I know how important having good credit is. Any information reporting on my credit report by law must be validated, verifiable if not, that information must be removed or corrected from/on my credit report. 
Equifax decision is IS VIOLATION OF THE 15 U.S. Code 1681a- Definitions, rules of construction | U.S Code | US Law| XXXX XXXX XXXX XXXX XXXX  ( XXXX ) 15 U.S. Code 1681a- 2 -Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. Prohibition ( A ) Reporting information with actual knowledge of errors 15 U.S. Code 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681a- 3 of this title any report containing information solely as to transactions or experiences between the consumer and the person making the report ; In closing, please reverse the inaccurate information from my credit report and send me an updated copy of my credit report once it has been removed.
Product: Credit card

Barclaycard - MasterCardThey decided to close my credit card for lack inactivity without any notification. 

Letter mailed XX/XX/XXXX - according to them they mailed a letter notifying me that the account is closed. 

XXXX 2014 - Account was establishedI would have happily bought some toothpaste or soda can with their credit card to keep it active. However, they closed the account without any notification or communication. 
In my opinion, this is a denial of credit is illegal and a violation of Frank-Dodd Act. 
I would even argue this is racially motivated.
Product: Debt collection

[ I am writing to dispute the status of certain closed accounts associated with my name. I recently obtained a copy of my credit report, and upon reviewing the information, I noticed that these accounts are inaccurately reported as closed. I kindly request your assistance in investigating and correcting these errors as soon as possible. 


Please note that these accounts have been closed for quite some time, and I have the necessary documentation to support this claim. It is crucial for my financial records to accurately reflect the status of these accounts, as they contribute significantly to my credit history and overall creditworthiness. 

I kindly request that you conduct a thorough investigation into these accounts and update the information on my credit report accordingly. I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute any inaccurate information on my credit report, and I am exercising that right. 

Moreover, I kindly request that you provide me with a written confirmation of the actions taken to rectify these inaccuracies within the time frame stipulated by the FCRA. This will enable me to keep track of the progress made in resolving this matter. 


I appreciate your prompt attention to this matter. Should you require any further information or clarification, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your immediate attention to this dispute. I trust that you will rectify the inaccuracies on my credit report and provide me with the necessary documentation to confirm the updates made.
Product: Debt collection

Capital One had a law office file suit on their behalf. When contacting the law office, they informed that they will not enter into a repayment plan that is not beneficial to the client who refused any repayment plan that was greater than XXXX years. Was informed they didn't care if it would cause financial difficulties as the client was the concern. Explained that FDCPA required them to not force repayment plans that would financially hurt the debtor. They informed no, and caused account with bank to become XXXX, preventing payment to electric and other bills. Now they are calling constantly but still refusing to work in good faith on a repayment that works for myself and not cripple me. 

Probably contact Capital One about repayment but their best offer was to repay it in XXXX months and been in good standing or repay it in XXXX months to close the account. This would put payments at {$800.00} each month for the XXXX month or {$3600.00} each month for XXXX months. This is not viable for myself or anyone who is working below $ XXXX annually.
Product: Debt collection

Ive came to a settlement agreement and paid the Requested payment later they still kept going after the Remaining balance and claim the person I made the agreement with no longer works for the Company, but they will send me the settlement letter
Product: Debt collection

XX/XX/2016, I sold my home and I did not get the last utilities bill from XXXX. I contacted XXXX XXXX and XXXX to forward the last bill to my new address. Apparently the bill was sent to collection without my beknowing. I found out I had a collection on my credit report from LJ Ross. I contacted XXXX XXXX and XXXX and paid the balance owed. It has been 7 years and that balance is reporting under LJ Ross. I do not owe them anything. I have been disputing the item and all the credit agency does is update it. I contacted XXXX XXXX and XXXX and they sent me a letter that the balance has been paid. Please look into this matter and have LJ Ross remove this derogatory item off my credit report.
Product: Debt collection

ACCOUNT MANAGEMENT SERVICE Original creditor : XXXX XXXX XXXX {$550.00} This debt is claimed to be from XX/XX/2015. I have no recollection of it and was never notified of the debt or given the chance to cure.
Product: Debt collection

Received phone call XX/XX/XXXX at XXXX rep didn't identify herself until a few minutes in the conversation as a debt collector and stated I had an unpaid XXXX account from XXXX and gave the XXXX  name but not the practice or facility She gave the dollar amount and said I didn't owe anything from my XXXX from XXXX and had not received any phone calls or statements from them she pressured me to pay and that I owed. I said I will call the office to verify this information a manger stepped in the call and was trying to force me to pay and to call the office with them on the line I said no. And he said it didn't matter I owed the debt and they verified it as owed. I hung up on this individual as he's in violation of my XXXX rights to be on the phone with my XXXX office as it is a medical practice I do not want them knowing my medical records information. Never once where my rights to dispute this where given I was being aggressively pushed to pay and my rights where being violated by this individual when I said I didn't owe it and I wanted to dispute this with the XXXX  office to verify this was not a scam as they where being aggressive and to make sure this was correct information I do not owe. The company name is synergetic communications inc phone number they called on was XXXX and dollar amount they wanted was XXXX with interest. The call was monitored and recorded they said as well.