23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score oveXXXX XXXXXXXX has me at a score around XXXX That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) (  D ). The following account is listed below : XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, Fair Collections And Out # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>
Product: Credit reporting or other personal consumer reports

In XXXX of 2024 I received a notice on my credit karma report from Equifax alerting me there was a derogatory remark on my report. I was shocked to see that a collection company named XXXX XXXX was report for {$740.00}... I previously had the same account which held by another collection agency in same amount for {$740.00} which was on my Equifax credit report was previously removed. My question is how can a collection that was previously removed by the credit bureau be allowed to put the same collection account back on my credit report but instead allow another collection agency to do this. I believe this is not right and it is an unfair practice.
Product: Mortgage

Mortgage was transferred from XXXX or XXXX to " Rushmore '' during covid deferral/forbearance. I've called and spoken to 7 or 8 representatives since over a year plus months trying to make a payment. The website provided was in process of being built and still comes to dead ends. As well, do phone attempts to speak to someone with information and facts. Early on during height of pandemic I was offered to do paperless signing of documents in virtual signing room offering terms less than ideal as interest rate and monthly payment would increase and myself the consumer not provided terms of loan exactly. Just documents to sign and increased costs to resume payments. They would not receive my payments online or by phone.

After 5th or 6th call I finally got through to a representative that seemed to be able to offer facts, a list of documents for me to prepare and FAX such as paystubs, bank statements and tax documents. Finally reaching someone from new company that was able to share plan and means for me to send or resume payment to satisfy mortgage returning a sense of stability as I never had trust or confidence in experience prior to that call. 
I called today now having an extension for this person that seemed helpful with plan to update with document status and plans to FAX all listed this week, as well, contact insurance company to notify of new mortgage company Rushmore with phone number contact for direct communication. There was no option for extension and I again spoke to different representative that again like others was not receptive to listen to my reason for calling nor provide phone number to get in touch with person who gave me extension. Rather, was demanding and intrusive. Also vague, not providing anything but that the person 's name I mentioned did not work at company ; Began further demanding of personal identifiers then onto attempt to fearing me with time limits unrelated to my reason for calling. After I shared personal data I find uneccesary to provide as it did not apply to my reason for calling to update person at specific extension. She denied this person was with company and provided no other contact number.

The representatives and web links haven't gotten far and it's over a year now.

Tonight I found article about RPM whom may also be the investor for Rushmore mortgage loan. Same tactics seem to be in place as far as pressuring consumers to pay higher rates and sign on less favorable terms. 

I have yet to have about any trust and confidence and am led to believe my options are minimal and grim at this point. I never signed contract or deal with this new company. I understood I could resume payments and exit deferral/forbearance. 

It's my duty to report this in case it is unlawful and I'm sure I'm not the only consumer in this. One of the reps a few times back shared about others he spoke with in phone with similar and worse scenarios. 

Thank you
Product: Credit card

I paid my bill to Target ON TIME yet this month Target is charging me the outrageous fee of {$40.00} as a late fee that I shall not, never ever pay. I live with my beloved wife 99 % on Social Security and can not afford to pay this {$40.00} late fee and shall not do so. 

This is such a serious matter that I am advising the following : President XXXXXXXX FBI Director XXXXXXXX Attorney-General XXXX Federal Reserve Board of Governors Comptroller of the Currency New Jersey Attorney-General XXXX  New Jersey Department of Consumer Affairs Federal Trade Commission XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I sent a dispute letter to Experian. They never responded to that dispute. I sent another letter on XX/XX/2018 telling them they failed to respond between the 30 days stipulated by law. I called Experian several times and they couldn't answer why they didn't respond to my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries that I did not authorize for an auto loan.
Product: Money transfer, virtual currency, or money service

My account was closed for violation of terms and agreement. They stated that I used my account for gambling. No time during the history of opening my account have I gambled. I can validate any transaction. I barely used the service, primarily to send money to family members or pay for services. They have failed to identify any suspected transaction that violated the terms of agreement.
Product: Debt collection

Thank you for taking the time to read this, this is more about the culture of the website not so much about the complaint of debt owned. The website is https : //www.arsnational.com/. There are promoting this on their website. " ARS is dedicated to fostering an environment that appreciates humanity. ARS respectfully promotes cultural awareness and treats everyone with kindness. As a method to increase cultural competency, ARS : * provides continuous education on diversity, equity, and inclusion, * promotes various ethnic events, and sponsors the development of Employee Business Resource Groups ( EBRGs ) to cultivate inclusiveness while ensuring that all team members thrive.

ARS is passionately driven to solve complex challenges involving diversity and inclusion. ". Idk if you guys are aware but if diversity, equity, and inclusion are used in the way the current government has been using it. Promotes racism, lack of education leads to better job candidacy then those who qualify for certain positions, which can lead to dangerous situations, and their aim is in education. Which if you are aware has lead to some very bad books being shown to underage children. It might just be me but these keywords are a big red flag.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 

On [ Date ], I sent a letter to Equifax notifying them of the reinsertion of XXXX XXXX XXXX XXXXXXXX account number XXXXXXXX XXXX XXXX XXXX  account number XXXX ) XXXX XXXX XXXX  account XXXX ) into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA XXXX XXXX ( XXXX ). Despite waiting for 35 days after sending the letter, Equifax has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 

Equifax actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Equifax, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Student loan

Hello, I received " Payment Fees '' at the start of my repayment date. This amounted to a flat 3 % charge on the current principal of the overall loan. To be clear, this is not a late payment, this is just a fee for me to start paying them. 

For example, I had a load of {$16000.00} during school. By the time repayment came around, with interest the principal amount was {$22000.00}. I was charged 3 % on the {$22000.00} for a total of {$670.00}. 

That is just one of four loans where I received this " Payment Fee ''. The total cost of this was {$2700.00}! 

Is this fee legal? Is it legal for them to charge it on the {$22000.00} and not {$16000.00}? 

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

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX XXXX
Product: Checking or savings account

I was sent XXXX dollars from another PayPal user to my PayPal. I then did an instant transfer of those funds. The transfer never made it to my account so the XXXX dollars is now unaccounted for. But my bank statement shows a XXXX dollar withdrawal to my PayPal account instead of it being a deposit. The withdrawal showing from my account to my PayPal account also is not showing in my PayPal account so now I have XXXX dollars unaccounted for. I disputed the withdrawal on my bank but I have talked to several people at PayPal about this mistake and I have received about XXXX different stories as to why this happened with no solution to correct. all I want to to get the money that was supposed to be sent to me and to allow my dispute to go though with the ank
Product: Mortgage

To date Mr. Cooper continues to misapply payments and will not correct their errors. The account continues to be monkeyed with and is subject to several " Oops '' from Mr. Cooper. I have a folder with over 100 errors that are in banking violation. 

I have tried getting them to fix things and I keep getting the runaround. This should not be happening with a financial institution. 

I am incurring additional interest and damages because of these " ERRORS ''. Any additional funds that are showing on the account were designated to be applied to principal. These " UNAPPLIED '' errors are dating back to XXXX. 

Creative accounting and fluctuating practices, escrow supposedly increased with the XX/XX/XXXX payment, that entire area is in violation evidenced by how they applied the payments and reported them..
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NEW AMERICAN FUNDING via XXXX XXXX The above is listed multiple times ( 3 times to be exact ) on my credit report. I only granted permission ONCE for them to run my credit. The date I did give permission was XX/XX/2017. All other dates are fraudulent on their part. 
The company stopped responding to my requests I would like the inquiries removed from all three bureaus as I didn't request this. I would also like my score updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor ( Transunion, XXXX ) violated my rights. 
Under 15 USC 1681 Section 602 states I have a right to privacy. 
15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish my account without my written instructions. 
Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I've been using my XXXX XXXX  account everything was working fine as far as sending and receiving money threw with no problem, using cash app. Then suddenly after maybe a month using cash app by linking my XXXX XXXX debit card, things just went left out the blue. The transactions would go threw for like 1 minute then it will just fail, saying for my protection there cancelling the payment and I mean this is over and over every time I do it. It's been doing this for months now, but don't get me wrong after so long not linking my card with cash app it will send 1 payment right threw and it sticks. But soon as I try to make another transfer threw the cash app system its blocking and cancelling any transactions I try to process XXXX my bank tells me there's nothing wrong on there end with my card nor account. And to contact cash app but cash app a tell me to contact my bank when the transactions are failed I know for a fact it's not XXXX XXXX, it's cash app but there telling me it's my bank XXXX cause I've just did a transfer XX/XX/XXXX ,2021and the XXXX  $ payment went threw but this is after not linking my XXXX XXXX bank card in like an month, okay the payment sticked it processed and went threw but after like an hour later I tried to send another payment to the reciepent, the payment failed XXXX then I called my bank it's not on there end then I called cash app and there saying it's not them when I'm knowing it's on there end, I really need this fixed own know what's going on with cash app when it comes to me using there system they are constantly closing all my accounts and asking me to very my identity it want let me order an cash card when I use my previous address, it's like whenever I make an cash app with my name which I have made over 30 accounts dew to the fact of them always closing my accounts. Seems like when they see my name on an new cash app they never let me order an cash card never let me add money from any cards I link with them to my cash app account. And after so long of using the new account they finds out I have another account it the blue it's telling me to verify my identity XXXX and what's so crazy I can send my photo ID threw the QR scanner and after the processing of 24hrs to confirm the results they still can't verify its me XXXX own know what's up and why cash app got a bad alert on my name and address but please fix this
Product: Credit reporting or other personal consumer reports

The following inquires were not done by me. Please delete due to fraud identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Consumer Portfolio Services reported the incorrect balance of {$2800.00} on XX/XX/2017 for my car loan account to XXXX, XXXX, and XXXX credit agencies. Prior balance reported as of the XX/XX/2017 statement was {$2800.00} ; payment posted to my account on XX/XX/2017 for {$1800.00}. Current principal balance on my account is {$1500.00}. Please verify & correct the information being reported by CPS, XXXX, XXXX, and XXXX in error.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Jefferson Capital System Address : XXXX XXXX XXXX XXXX XXXX Mn XXXX Account number : Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Ca XXXX Dear XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA the list of accounts pertaining below have violated my federal protected consumer rights ( privacy and confidentiality ) under 15 USVC1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Right to privacy 15 U.S.C 1681 SECTION 602 A Consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 SECTION 504 SECT 2 15 U.S.C 1681C ( A ) ( 5 ) section STATES : NO CONSUMER REPORTING AGNECY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY F THE FOLLOWING OF INFORMATION any other adverse item of information, other than records of conviction of crimes which antedate the report more than seven year Lastly, 15 USC 1681S-2 ( a ) ( 1 ) s PERSON may not furnish any info relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate