23daVinci/CFPB_Complaints huggingface dataset:
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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

In XXXX XXXX, we were shocked to hear that our car insurance premiums were being increased because of our credit score. Putting aside the ludicrous fact that a credit score could impact car insurance ; we immediately reviewed our credit report. Amidst our 40 plus years of stellar credit involving mortgages, home equity and auto loans, credit cards - all paid perfectly, we found a past due owed XXXX. The original invoice clearly showed correct shipping, billing address, and phone number. XXXX also had our correct email that they used for daily marketing. Despite this, we never received notification of amount due. We immediately contacted XXXX and paid for our items in full ( {$100.00} ). We declined to pay any late fees - again refering to our order which clearly shows all of our correct information. XXXX billing department stated that they were totally separate from the order department - they were sending the bills to an address several years old. In XXXX, XXXX we received a " Notice of Collection and Special Offer '' from XXXX. We supplied all documentation - again, disputing the idea that we owed any late fees. Our credit score has been severely impacted - a charge off for {$380.00} in late fees still remains listed on our credit reports. This is the only blot in decades of credit history including mortgages, home equity and auto loans, credit cards. We have spent many hours sending documentation to the XXXX credit bureaus ... the only evidence of this effort is the comment " Completed investigation of FCRA dispute consumer disagrees. '' Before this episode, our credit score was XXXX ... it has been reduced to XXXX. We have a paid off mortgage, no car loan, XXXX credit card paid monthly, healthy savings and investments, and solid history of paying all bills in a timely manner.
Product: Credit reporting, credit repair services, 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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any 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 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 have contacted my mortgage company XXXX XXXX on several occasions regarding my credit bureau report. They are not showing an open account and haven't been reporting my payments over the last two years. My last call to them was on XX/XX/2019 and I spoke to XXXX who advised that he would escalate my concern and I should expect a response with 24 hours. I have yet to hear back from the company. I am never given the opportunity to speak with anyone else but the representative that answers the phone. All other customer concerns have to be done via email. This is causing much distress as it is effecting my credit score among other business dealings.
Product: Student loan

I received an Email this past year that I was eligible for a Refund on my XX/XX/XXXX PSLF Payment because we originally got the due date or something in the wrong allotted days or there was some issue that aloud for me to be able to request a refund on my XX/XX/XXXX payment AND still have it count toward my 120 payments. I called Mohela who services my loan in XX/XX/XXXX and I talked to multiple agents who all told me I was eligible for a refund and it would still count toward my 120 qualifying payments. I even got transferred high up to the refund department and I asked multiple times if I could receive a refund from my XX/XX/XXXX payment and it would still count. They were adamant that yes I qualified because again of the issue with the originally billing like I stated above. They informed me that the refund would be issued back to the original payment method which was Auto Debited out of my bank account. I waited 120 business days and never received a refund or any other notification from Mohela or any other Loan company. I then called Mohela and was put on hold for one hour and 15 minutes. I finally got through and talked to an agent. She said that originally they never attempted or submitted my refund request, She could see that I requested it though. She then asked for me to go on hold again and I was put on hold for 20 minutes, She came back on the line and said that she had expedited my refund request to the higher ups and started the processing of it. She said that since it was expedited they would handle it within a couple of days then it would go to the U.S. Treasury Department. She could not tell me how long that would take but she said that they would have to send a CHECK in the mail to my personal home address. I check daily on Mohela and the Student Aid Federal website and it still just shows that my XX/XX/XXXX Payment was processed as normal. It does not show Refund issued, or processed, or is in processing. I also have NOT received a Refund via my bank account or in the mail by check. I have received no other information or communication from my loan servicer. I even messaged them/Emailed them two different times stating the above issue and asking for some clarification or answers and never receive a response.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file an official dispute regarding inaccurate and unauthorized information that has been repeatedly reported on my credit reports by XXXX XXXX XXXX ( XXXX ). This collection account does not belong to me, and its continued presence on my credit files has caused me significant financial hardship, in violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, I have the right to dispute and seek the removal of any inaccurate, incomplete, or unverifiable information on my credit reports. The following provisions are relevant : 1. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requires credit reporting agencies to " promptly delete '' any item found to be " inaccurate or incomplete or can not be verified '' after a reasonable reinvestigation. 

2. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers like XXXX from providing information to credit agencies that the furnisher " knows or has reasonable cause to believe is inaccurate. '' 3. 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( E ) requires furnishers to appropriately modify, delete, or block the reporting of any information that can not be verified as accurate. 

Despite my previous disputes and requests for verification, XXXX has failed to provide any evidence that this collection account belongs to me. By continuing to report this inaccurate and unverifiable information, they are violating the FCRA. 

I have enclosed copies of supporting documentation. I am escalating this matter to the CFPB and demanding this inaccurate collection be promptly deleted from my credit reports as mandated by law. 

If the appropriate corrections are not made within the legally required timeframe, I reserve the right to pursue further legal action against XXXX and the credit bureaus for willful FCRA violations and any resulting damages. 

Thank you for your attention to this serious issue. I look forward to your investigation and a resolution.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft by a former roommate, XXXX XXXX XXXX. The account with XXXX XXXX XXXXXXXX XXXX XXXX was opened fraudulently without my permission or knowledge. XXXX used my identity and had the initial card mailed to my home, which he retrieved without my knowledge, used the account, and made payment for a time without my consent or knowledge. I have completed ( attached ) an ID Theft Affidavit with the FTC. I have also included copies of my government-issued ID and a recent utility bill for address and identity authentication.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX XXXX XXXXXXXX {$240.00}
Product: Credit reporting

So for several months I 've been disputing the inaccuracy within my credit report with Experian. XXXX being a bankruptcy that 's not mine, XXXX being an account that 's not mine, and XXXX. being addresses that do n't belong to me. I 've been staying in the same place since I was XXXX years old so since XX/XX/XXXX. The address that 's appearing on my credit report belongs to a family remember with a similar name as me. Her name is XXXX XXXX and her birthday is I believe XX/XX/XXXX. XXXX is my cousin who moved here from Iowa. After XXXX did their investigation they mentioned that I had a mixed file, however Experian is stating that they wo n't reinvestigate these items unless I provide them with supporting documents, in which I have. Hopefully you guys can take a look at the information on the report and determine that Experian is a horrible company that breaks the FCRA and they should be held accountable. XXXX from the CFPB gave the legal aid number to potentially start litigation against this bureau. I 've included all information that 's wrong. 
1. XXXX XXXX XXXX XXXX, IL XXXX ( Not Mine ) 2.XXXX XXXX XXXX XXXX, IL XXXX ( Cousin 's Address ) 3. Bankruptcy Chapter XXXX -XX/XX/XXXX Filed and XXXX XXXX/XXXX/XXXX ( Not Mine ) 4. XXXX XXXX XXXX XX/XX/XXXX ( Not Mine and should n't be included in the bankruptcy ) There 's no way that the loan could be included in that bankruptcy since it 's alledging acquired after the bankruptcy was discharged. 

Please find I 've included all necessary documents to state my claim. Also I 'm a victim of identity theft as well.
Product: Mortgage

I have made several complaints about this terrible company. It is only a matter of reading all the comments by various customers to see what kind of company we are dealing with. 

Rushmore has a TERRIBLE reputation. You can never talk to a person who at least pretends to be cordial and not rude. For the most part, they are all rude. 

On Friday night at XXXX XXXX some woman XXXX calls me while I am driving. I am neither late nor behind. She is rude and threatens me while I am driving that I am late! That was XX/XX/XXXX! The due date is not until XX/XX/XXXX. Again yesterday, on XX/XX/XXXX which was my B day, I get another call from these horrible people which I actually hung up. 

They have been charging me escrow ; I paid more than XXXX dollars to VA department of taxation but they are also charging me again. I have told them that this amount is not right nor it is something I can pay because it is more than what I signed up for with another horrible company who sold my loan to Rushmore. I have the same demands as before : Lowering the total balance forgiving the XXXX late payments Lower monthly payment will be responsible for paying my own taxes An apology and returning the escrows they have charge me for months now. 

CFPB must take immediate action in helping customers like me who are being threatened and taken advantage of by who knows these investors and shark companies like rushmore. 

XXXX XXXX Here is what I read on line : This is just out of 66 complaints : Like may here, my loan was purchased by RLMS last fall and reading these reviews prepared me for the worst. As expected, my loan has had issues with on-time payment of escrow and their recalculation of escrow owned was laughably inaccurate ; just prepare for that if you've recently been transferred over. I will say that I was able to get on the phone with a person who, while them may not have been helpful, but were at least courteous to me. The good news is that I was able to send a fax to some number given to me from their customer service to have escrow account removed, my advice is to take as much of this ( PMI, escrow, etc. ) out of Rushmore 's hands as possible. It's been 10 months and my auto-draft payments also haven't been screwed up, so I'm on a roll!
Product: Debt collection

Have over XXXX XXXX on the phone back and forth with XXXX as well their collection agency I.C. Systems Inc. and they all continue to be non compliant and infringing on my rights. This account is fraudulent is was already removed once now it came back with a different collection agency this is fraudulent and was opened witout my authorization or consent and needs to be removed immediately.
Product: Student loan

I HAVE A LETTER STATING THEY WILL REMOVE ANY PAST DUE AMOUNTS AND HISTORY
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX  XXXX Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$350000.00}
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Acct # XXXX Ditech Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fax # XXXX XXXX I faxed and have proof of submission to have PMI removed from my loan and they continue to stall and refuse my request. I called multiple times and have been getting the run around they are purposely preventing me from requesting this PMI removal so they can make more money charging hundreds of dollars more for unnecessary PMI for the housing market in XXXX, XXXX my assessed value far exceeds the requirement. Today I XXXX XXXX, 2016 I will attempt a XXXX time to send a CERTIFIED letter even though i have proof and confirmation my fax was received by them on XXXX XXXX, 2016.
Product: Debt collection

After I leased my new vehicle on XX/XX/2018, I spoke with a person making sure what I had to do regarding insurance for both cars. I knew I could not return my XXXX at the end of XXXX. However, later I learned I could not return it until XX/XX/XXXX unless I wanted to pay additionall fees. 
So I kept it and paid for the month of XXXX knowing I would not be driving it. I called in XXXX to cancel the insurance with XXXX XXXX in because I changed insurance companies beginning XX/XX/2018, and found out the account had been closed. I assumed they were aware of my business with the new insurance company and new car. My sales rep had said I was also covered for several weeks so I was safe. Anyway, now I have this collection notice? I am confused. I called to cancel and could not, because the account was closed. How can this be fair? I feel I am not liable. 

Please help. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting or other personal consumer reports

on XXXX, i sent a complaint to XXXX, equifax, and XXXX  informing them that i was a victim of identity theft and by the FCRA requesting that the information to be deleted after 4 business days. today is XXXX XXXX and its still reporting on my credit report.
Product: Debt collection

I went to look at my credit and discovered that there were several hard inquiries from someone attempting to get credit cards in my name. There were also several accounts successfully opened fraudulently in my name. I have reached out to these creditors many times and they still have not helped me, i also reached out to all of the bureaus about these fraudulent accounts and they not not helped me either. I am now reaching out to this institution for some resolution because this has been so damaging to my life and im in need of help. 

I filed an identity theft report with the XXXX and will be attaching that report here along with this complaint. Thank You.
Product: Debt collection

The past 2 weeks chain link has been nonstop calling me but unwilling to give me information about the debt, they are requiring me to give them all my information before they tell me about the debt, which I will not due, they have contacted my father and my job, at this point i am being harassed for a debt that I'm not even sure is mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It XXXX Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681b. 

I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately XXXX XXXX * Account Number : XXXX * Date of Late Payment : XX/XX/XXXX * Account Opened : XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : XXXX. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report. 
XXXX. Provide the names of any entities that accessed my information without permission, along with the reason for access. 
XXXX. Notify other relevant agencies of any corrections, if applicable. 
Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was opened in my name and contains errors on my credit report. XXXX bank refuses to provide any info as my information does not match what is in there system. I have been trying for two weeks and they tell me that they transferred the account to a collection agency and the collection agency says they transferred to XXXX bank. When you call XXXX they are now unsure where the account is and need 30 days to locate status of the account while reporting monthly that this account is charged off on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian, XXXX and XXXX  to file disputes on fraudulent activities, wrong personal information about me such as my name address information and other eronious items listed on my credit reports, that didn't belong to me, the latest dispute I filed with the credit bureaus were in XX/XX/XXXX, I disputed that there were innacuracies in the amount that was reported that I owe on my report for example one creditor by the name of XXXX XXXX   said that I had a {$300.00} credit limit with them but are reporting on my credit report that I owe them close to {$500.00} which is fraud plus they are the company that kept a {$90.00} security deposit from me and never gave it back but neither have they credited it back to me as a check but they kept it and have not account ex for it, this accounts is being fraudulently reported on my credit report, there are two auto loans that have been paid off in full and on time, listed as open and never late on my credit report, but the credit bureau is falsely claiming that there was a late payment and even though I spoke to the car company and they assured me that they did not report it as late and that it was the credit bureau, but when I disputed it through the credit bureaus they refused to delete it and will not remove it from my report, they're are names of Creditors that I do not recognize or I have never dealt with on my credit report such as XXXX XXXX XXXX, they even have XXXX an car insurance provider on my credit report which I have already disputed numerous times but the credit reporting agencies still have these items listed on my credit report fraudulently, my latest dispute that I filed was in XX/XX/XXXX, and still no remedy. I am asking for help because my credit has been destroyed by thee credit bureaus and are causing me not to be able to obtain auto loans, mortgage for housing, and rejection from credit card companies etc, this is unfair and I want justice.