23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I faxed a complete modification packet sinceXX/XX/XXXX to Rushmore to be review for a modification. However ; they were refusing to review my packet due to having an active foreclosure for XX/XX/XXXX.I filed an emergency chapter XXXX Bankruptcy the same day of my sale date, and due to the automatic stay they cancelled my sale. Since my intentions are to keep my home, I contacted Rushmore on XX/XX/XXXX and spoke with XXXX XXXX id # XXXX he confirm my sale date was canceled, and he advised me trough a recorded called that he was sending an email to my point of contact so they can start my modification review. <P/>That did not happened when I called Rushmore again onXX/XX/XXXX I spoke with Agent XXXX she told me I have exhausted the times I can be reviewed. I told her that was incorrect because this was never told to me when I faxed them my packet. I told her the reason why my loan was not being review was due to having an active foreclosure. <P/>Rushmore is refusing to work with me, even though I have an increase of income. The last review dated XX/XX/XXXX Rushmore only used {$1400.00} as my source of income. The application I submitted onXX/XX/XXXX I  am presenting rental income since I was able to rent a room in my home for the amount of {$300.00}. My income has increased and I am confident with this new source of income I will be able to be provided an affordable trial payment. my intentions are to keep my home with an affordable mortgage payment. I am tired of trying to work with Rushmore when they dont even want to review my new application. I am an elderly person and I honestly believe Rushmore is using fraudulent and deceptive practices in order to prolong my case making me fall further behind. I am asking for an opportunity to be reviewed for a modification, a fair review.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/202XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting and billing practices associated with my auto loan with XXXX XXXX, account number XXXX. I have disputed this account for accuracy with the company and credit bureau many times this year with correspondence of dispute being XX/XX/XXXX, XX/XX/XXXX, and the latest being in XXXX of XXXX. This has caused me to feel oppressed with my correspondence with the company and the inaccuracies creating consent XXXX and anxiety on my credit report, according to the FDCPA section 806 ( 15 U.S.C. 1692d ). I have waited and went the waiting periods for a fair investigation and have not been granted it continuously since XXXX and now in XXXX. Now these inaccuracies will need to be immediately deleted. I have reviewed the recent statements and the way the payment history has been reported, and I believe there are several violations of the Fair Credit Billing Act, particularly 15 U.S. Code 1666b, which governs the timing of billing statements and related late payment reports. 
Specifically, I am raising the following issues : 1. Failure to Send Billing Statements 21 Days Before the Due Date : According to 15 U.S. Code 1666b, billing statements must be sent at least 21 days before the due date. However, I did not receive my billing statements for the month of XXXX ( and previous months ) in time to allow for a full XXXX notice before the payment due date of the XXXX. This failure to comply with the statutory requirement has caused confusion regarding payment deadlines. These statements have not been sent to my address and also the emails are sent late for the billing not on said dates on letter dates. 
XXXX. Incorrect Reporting of a Late Payment for XXXX Prior to the Due Date : I have noticed that my XXXX payment was reported as late before the XXXX of the month, which is the actual due date according to my loan agreement. I find it troubling that a payment was marked as " late '' before the due date, which is not only misleading but also violates the terms of proper payment reporting. Payments can not be considered late until after the due date has passed, and therefore, XXXX payment should not have been marked as late before the XXXX. I fear this is something that has been going on monthly, all lates should be deleted or account most be deleted for inaccuracy. 
XXXX. Incorrect Late Payment Status on Prior Payments : Additionally, I have made required payments on or before the XXXX of each month. It is my understanding that any payments made by the due date should not be classified as late. Given that I have submitted payments on or before the XXXX, I dispute the claim that I am XXXX days late on my account. The payments has been misreported or misapplied, delete immediately. 
Included are payments and emails when XXXX was sent to email and none to address on file. Also, payments extensions that were directed to end of contract in XXXX was sent prior to credit bureaus to show payments were accepted but nothing was changed. 
Please delete lates immediately, I have waited beyond several times this year for a fair investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Responses from both XXXX and Equifax indicate that the issue of removing a middle initial was resolved. I continue to receive mail with a middle initial however, which I have never in my lifetime used. XXXX took the appropriate action and removed said middle initial. All I ask is that XXXX and Equifax respond with a similar action and response.
Product: Debt collection

ProCollect is not willing to help anyone understand or give accurate information on any account that they have that concerns the consumer. I have been reaching out to XXXX XXXX and he always respond with the same response and has not provided any information I asked of him or XXXX XXXX. I am accused of owing them {$2400.00} as of XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX sent me an email containing inaccurate information and never responded back to my request of information. In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( MCA 75-3-118, 75-2-725, and 15-1-49 ). As of today, XX/XX/XXXX, ProCollect is still reporting false information on my credit file.
Product: Credit reporting or other personal consumer reports

My complaint is with XXXX, Experian, and XXXX. Along with the collection companies that reported the inaccurate information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have multiple accounts on my credit report showing they have been charged off. I never received a 1099c for the charged off debt to be reported properly to the IRS for any of these accounts. This is a violation of laws placed by congress to protect consumers. If a company charges off a debt as a loss they are required to send me a 1099c to properly file with the IRS. As well as the fact that the IRS states a charge off is considered ordinary income, additionally stated by the IRS income is not to be reported on consumers reports. This makes the reporting of the account INACCURATE. This is also a violation. Furthermore these accounts still show a balance due. Which is again, INACCURATE information and misleading. Since it has been charged off by the company the balance must be XXXX. I called XXXX twice and brought this to their attention and requested that these accounts be removed. As they are required by the FTC to report ACCURATE information. Or they are in violation and can be fined. They did not remove the accounts and only started a dispute. This dispute can take up to 60 days and in the meantime this is negatively effecting my report and life.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$710.00} XXXX XXXX  XXXX XX/XX/XXXX -- {$200.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

On XX/XX/XXXX I purchased a round trip airline ticket through XXXX XXXX. I was charged the correct amount for the ticket itself, which was {$11.00}. I upgraded my ticket to extra legroom both ways. This incurred a correct charge of {$160.00} for the flight to XXXX and a correct charge of {$120.00} for the return trip to XXXX. These charges should have totaled {$300.00}. 
That same day, I was erroneously charged the {$160.00} and the {$120.00} an additional 16 times each, totaling {$4700.00} I contacted my CC company XXXX XXXX XXXX Barclays Bank ) and explained this to them. They told me I had to contact XXXX XXXX to have the charges refunded. 
I did this on XX/XX/XXXX and was refunded only {$2500.00}. I contacted them again on XX/XX/XXXX and XX/XX/XXXX. They stated they could see the charges and I would be refunded the rest. This has not happened and I am still owed {$2100.00}.
Product: Bank account or service

I WENT TO MY BANK ATM MACHINE TO WITHDRAW MONEY FROM MY SAVINGS ACCOUNT PER THE POSTED DISPLAY SCREEN ALLOWING ME ONLY XXXX TYPE OF WITHDRAWALS WITHIN THE BANK STATEMENT PERIOD AFTER THAT I COULD BE CHARGED A FEE DO YOU WANT TO CONTINUE QUESTION ( YES or NO ) I PRESSED THE APP FOR YES BUT THE BANK FROZE STOPPED MY CUSTOMER OWN FUNDS WITHDRAW PEOPLE WORKING IN THE BANK AND DO NOT HAVE EXPERIENCE IN BANKING SYSTEM AS POORLY TRAINED I HAVE RIGHTS I AM THE CUSTOMER. THE BANK IS MAKING THIS A PERSONAL ISSUE AND RETALIATING PLEASE REMEMBER I STILL HAVE ALL LEGAL RIGHTS TO PURSUE A CIVIL ACTION IN THE APPROPRIATE COURT OF THE LAW, THANK YOU.
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
Product: Credit card or prepaid card

I have a XXXX XXXX XXXX credit card from XXXX XXXX. I never received my rewards check from XX/XX/XXXX. I have called several times and spoken to several supervisors since XX/XX/XXXX. Initially, they said they would look into it and get back with me. After several months, I called back and was told that I forfeited the rewards because the check expired. I explained the problem was that I never received the check so I was not able to know when it expired. He also stated that once the check expires, you forfeited the rewards. But when I look at the terms and conditions, it says that, " Cash Back rewards are forfeited if the XXXX XXXX XXXX Mastercard account is not in good standing is more than two months delinquent on the minimum payment, if the XXXX XXXX XXXX  Membership terminates or lapses, or if the Cash Back earned in a calendar year is less than {$5.00}. '' I was never delinquent on my payments and I use the card frequently. I have been a XXXX XXXX XXXX member for the whole time I had this credit card. And my rewards check is over {$260.00}. No where does it say you forfeit rewards if the check was never cashed or lost. Lost mail is a frequent problem. I feel this is very deceptive as the consumer is the one to get shorted. After complaining to XXXX, I was transferred to a different supervisor at XXXX XXXX and she only offered a {$25.00} bill credit for my troubles and refused to reissue the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple certified letters to Transunion about inaccurate information on my credit report. They say I hav e 9 bankruptcies ( which I think is impossible ) and a multiple tax liens, but they say its " verified ''. I ask them to validation of these ( physical proof with my name and signatures ) and they just tell me its verified. I called them to today because now they are saying they have no records on me and then the same day I get a 500 page report with mine and a bunch of other people 's mixed together and it shows they multiple bankruptcies that are not mine. The supervisor was kind of shock with the 500 page report and said i have more than one credit file and he was confused why that was. I need this resolved and they just keep giving me the run around and playing dumb, i.e., we ca n't find your file ... we have it mixed with others ... you did n't give us enough information to verified your identity ... blah blah blah ( I sent them certified copies of my drivers license, social security card and utility bills but I still get the run around. Is n't this a major violation of fair credit act or something. My next move is to contact a lawyer which I want to avoid if at all possible so your my last result.
Product: Credit card or prepaid card

XX/XX/2021. I have Bank of America 's New Spirit Airline Master Card. I am today, Unable to Set Auto-Pay or EBills XX/XX/2021. Their Bill Pay option on phone is NOT working for Automated balance payment. Their webpages are not working since long time. This is surely intentional slowing down or making webpages unresponsive to charge customer late fees and such. Even IVR on phone is set up intentionally that it takes frustration for customer and customer gives up so that BOFA can charge a late fees. Intentional attempt for making this process cumbersome.

Please investigate, as this is direct attack and malicious policy against American Consumers from a Bank.
Product: Credit card

I have XXXX late payment notices on my credit report dating back to XXXX and XXXX XXXX, both from PayPal. I would like the company to erase those late payments, and pay me back the interest fees I was charged for late payments on their 'Smart Connect ' account. 

I have been a customer since XXXX and the XXXX late payments occurred because I was unaware of ever having signed up for their 'Smart Connect ' credit option, and also did not know that it was my default payment method when making transactions through PayPal. I rarely used PayPal from XXXX and when I started using it again in late XXXX is when I started running into trouble. 

Having connected my checking account to my PayPal I assumed that these transactions would be taken out of my checking account for no additional charge. It did n't occur to me that there was another account working just like a credit card that this money would be taken out of. 

The first time I noticed is when I received a phone call from PayPal in XXXX of XXXX with a voice telling me that I was late making my payment but that he could take care of that for me over the phone. Still confused why I had a minus on my PayPal account I took care of the matter over the phone, only to receive the same phone call again after the second late payment in XXXX. 

Only then did I realize that this entire time my purchases were coming out of the Smart Connect account, and that I had acquired dozens of dollars in interest fees, not to mention my XXXX late payments on my otherwise unblemished credit report. 

I realize that this is partly my fault because I could have been more careful and logged into PayPal 's website to make sure everything was working correctly. The reason why I 'm writing now is because I heard that PayPal settled with CFPB over {$25.00} XXXX because a lot of consumers had the same problem as me, not being completely aware of Smart Connect and that it was the default payment method. 

I called PayPal on XXXX XXXX, XXXX to ask if they could kindly remove the XXXX late payments, and after speaking to his supervisor the employee on the phone told me that was n't doable because it was such a long time ago. 

On PayPal 's website I 'm unable to see the statements of my Smart Connect account and therefore can not quantify how many interest fees I had to pay because of late payments. Therefore I would like PayPal to send me statements connected to my Smart Connect account from XXXX XXXX to XXXX XXXX. It is possible to view the activity on my regular PayPal account so it should be possible to do the same with my Smart Connect account. 

Thank you very much, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false account with US DEPT ED and XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it, and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute report, but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuse to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Mortgage

I paid XXXX on my mortgage in XXXX with XXXX XXXX XXXX XXXX. The branch I would normally use was vacant suddenly in XXXX, so I went to the next tired over to that branch. In XXXX, they sold my loan to Nationstar and I requested my payments log. The 3 payment I made in XXXX are no where in the paperwork. Nationstar has been saying I'm behind since they bought the loan and I can't refinance but these payments XXXX were never applied, thus showing me as behind even though there are no missed payments and had been on auto pay. I've sent both companies this receipt and asked to update my payoff amount to reflect the payments for the receipt I have. I've sent notice of Error letter certified mail, fax, and email. Nothing. 
I figured XXXX wouldn't correct the ER they made so I sent Nationstar/Mr. Cooper this info twice and they won't acknowledge not update my loan either. I want to pay off my loan but I can't get an accurate payoff amount and they're saying I'm behind but I'm not, the payment was never credited to my account.
Product: Credit reporting or other personal consumer reports

I am natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the account listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish this account. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I had account with Pay Pal and this individual keep sending a bills for the purchased I did not make. 
Received : from XXXX by XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Received-SPF : fail ( domain of XXXX does not designate XXXX as permitted sender ) Authentication-Results : XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX : XXXX ; Tue, XXXX XX/XX/2025 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a letter in the mail from XXXX XXXX they claim that they never received my credit identity theft packet that I sent in XX/XX/2019. It was sent via certified mail from the XXXX, va usps and it was notarized by XXXX XXXX in XXXX, VA. The address is XXXX XXXX XXXX XXXX, XXXX, VA XXXX and you may reach them at ( XXXX ) XXXX. I am very confused on how they didn't receive it. It cost money and time to send certifed mail and this have been going on for too long.
Product: Credit card

I purchased a pair of shoes from Macy 's in XXXX. They did not have the shoes in stock so they were having them sent from the XXXX store. 
The XXXX store called me a week or so later saying they had made a mistake and did not send the shoes. They were no longer in stock and they would credit my account. 
They did not and I have contacted Macy 's XXXX XXXX by detailed letter. I then recieved a response from Macy 's Biling Adjustments saying the shoes were sent and received and they have considered the matter resolved and closed their investigation.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violates the customer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Checking or savings account

The government informed me on XX/XX/2020 that I would have my stimulus payment deposited into my PayPal account. However, PayPal has not processed my stimulus payment and it's not even showing in my account as pending, four days later. There is no way to get a hold of PayPal by phone and they are claiming that they don't have enough staff to man the chat on their website for customer services. This seems contradictory though, because employees online are claiming that they were sent home with computers so they could work from home. Either way, I have been ignored by the company and was also told by whoever mans their XXXX page that if I post anymore information about how people can file a complaint against PayPal for this mismanagement of their account/money would get me blocked from posting on their page. So, in all ways, I am being shut down as a customer by the company. With this being during a world-wide pandemic, they have made mine and my family 's suffering even worse, as we are heavily relying on that stimulus payment.
Product: Credit reporting or other personal consumer reports

I am a victim of a XXXX XXXX and have discovered unauthorized accounts and inquiries on my credit report. These items were not initiated by me and are the result of identity theft. Pursuant to XXXX XXXX. XXXX ( a ) and FCRA XXXX ( b ), I request the immediate blocking and deletion of the following fraudulent accounts and 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX