23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Heartland XXXX has predatory fees associated with any payment not made by mail or automatic bill pay, the maximum frequency of which they allow is quarterly, which increases their profit margin by necessitating that interest have 3 months to accumulate between payments lest you incur a fee. Examples of such fees are {$1.00} per each online ACH payment, {$10.00} per each ACH payment by phone, 3.95 % of payment plus {$1.00} for each debit or credit card online payment, and 3.95 % of payment plus {$10.00} for each debit or credit card payment by phone. As such, I signed up for automatic ACH bill pay, the first payment of which ( {$120.00}, total amount due ) was supposed to go through on XX/XX/XXXX, the due date of my first loan to exit grace period. Despite the fact that I had enrolled in said bill pay weeks in advance, Heartland did not withdraw any money from my account on the specified date, and instead pushed back the due date displayed for the account on their website by a month. When I contacted customer support about this, I was informed in writing ( through their live chat service ) that the actual due date was XX/XX/19, despite multiple written invoices I had received to the contrary. When I confronted the customer service representative with the discrepancy, and asked if he could guarantee that no late fees would be processed to my account, he immediately hung up on me. When I entered the live chat again I was assigned the same representative who proceeded to completely ignore me and refused to transfer me to another representative or manager. A month later I received an invoice saying that I owe a late fee ( {$6.00} plus interest ) for payments not made by XX/XX/XXXX, despite the fact that I had correctly enrolled in automatic bill pay, which is the only free online payment service, and it was the company that never attempted to withdraw the money from my account, therefore not honoring their stated policy of allowing free automatic ACH payments. The only way I can pay this outstanding bill without incurring yet another fee is by mail. I believe that Heartland XXXX intentionally failed with withdraw money from my account in order to fraudulently incur a late fee, I believe that their customer service representative intentionally misled me to believe that I did not owe any money again in order to fraudulently incur a late fee, and I believe that their website " due date '' feature intentionally misrepresented the actual due date of funds ( changing magically from XX/XX/19 to XX/XX/19 ) again in order to fraudulently incur a late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to contact SageStream since XX/XX/2019 in regards to placing a security freeze on my account. I called several times in XXXX and didn't get an answer. I left voicemails and no one ever returned my calls. After that, I sent a fax requesting a security freeze to be placed on my account as well as a copy of my SageStream credit report. I was never mailed anything so I don't know if a security freeze is currently on my account. I continued to call them and leave voicemails through XX/XX/2019 to check on the security freeze that I requested. No one ever called back. I called them last week and left a voicemail and still no returned call. Filing a complaint is the only thing I can do. This company is horrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown items on my credit report. On this day over 45 days later I have not received a response yet. I feel as though I am being taken advantage of as well as being ignored of my disputes. Section 611 ( a ), it is clearly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, as it has been over 45 days, so it should be deleted promptly. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute, as I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge, I do not recall any of these accounts. I need this problem fixed asap, I will not wait another 45 days to receive no response, because it is clear your organization is intentionally ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, as it has been over 45 days so they should be deleted promptly.
Product: Mortgage

Principles in Matter : Rushmore Loan Management Services XXXX XXXXXXXX XXXX # XXXX We've asked for validation of chain of assignments/title and have not received a proper response addressing the request. 

We have submitted a request for Accounting according to GAP or General Accounting Principles ( payables, receivables, balance sheet ) specific to the alleged debt in question prior to notice/recording of Trustee Sale and have not received a proper response. 

In a correspondence dated XX/XX/2022, Rushmore Loan Management states " Please note Rushmore services the account in accordance with the original loan documents and all applicable laws and statutes. '' We've submitted multiple written requests to view the " original loan documents '' and have received no reply. Please consider this another request to view the original loan documents. 

Question1 : In California, can a third party debt purchaser in its activity of " debt collection '' commence foreclosure? 

Question 2 : Did XXXX XXXX purchase this debt and if so, when? 

In a letter dated XX/XX/2022, received by your office and CEO XXXX XXXX, Rushmore agreed to the acceptance and transfer of title into an irrevocable private business trust of the which Rushmore has duties and obligations under the trust indenture to : 1. Merge the Title and 2. Set off the obligation They continually obscure the facts by calling it a revocable trust and not fulfilling their fiduciary duties. 

In communicating with Rushmore, all replies state that they are acting within applicable laws and regulations but fail to cite the specific law and/or regulation. We can not audit Rushmore 's compliance without this information.
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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 3rd attempt contacting the Federal Trade Commission and the CFPB to help remove the unauthorized credit inquiry on my credit. I value my credit to the utmost ... Please DELETE this immediately. 

XXXX XXXX on XXXX XX/XX/2017 XXXX XXXX on Transunion XX/XX/1017 These are unauthorized and I want them deleted immediately. 

Thank you,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX and XXXX. credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX Account number ( XXXX ) Open date : XX/XX/XXXX XXXX XXXX Account number ( XXXX ) Open date : XX/XX/XXXX XXXX XXXX XXXX Account number ( XXXX ) Open date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Complaint and XXXX  to JP Morgan Chase re their payment for home insurance policy in XX/XX/2022 XXXX JP Morgan Chase must explain under which authority they made payment of my home insurance in XX/XX/2022 if JP Morgan is not a mortgagee. 

JPMorgan must provide XXXX the name and contact information of of a responsible individual who made this payment ; and the name and contact information of a responsible individual who authorized JP Morgan to make this payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the XXXX of a XXXX XXXX XXXX XXXX  in XXXX, GA. I currently have around XXXX vehicles financed through various banks. All of these vehicles are on auto draft with these institutions and always have been. Recently, one of the vehicles was at final payment and for some reason TD did not auto draft the account for payment. 60 days later we received a letter in the mail saying payment on that vehicle was delinquent. My finance director contacted them and immediately paid off the balance. We reached out to their customer support and they confirmed that we did nothing wrong and that maybe because of Covid-19 something happened in their system. The customer service rep was obviously working from home at that time. He recommended we file a dispute through the credit bureaus and directly to TD. The TD dispute claim just came back and they are stating they are denying the claim - XXXX as of XX/XX/XXXX. I contacted TD today XX/XX/XXXX and talked to a customer service rep. They said that we were notified when we bought the vehicle back in XXXX that the final payment would need to be a check. This is absolute nonsense and should not be a part of any process. I don't even have the same finance director now that I did back in XXXX. 

This process is absolutely Predatory. I have not missed a payment for anything in over 15 years. I take the value of my credit to be sacred and one of the most important things in life. This one mistake on the part of TD Auto dropped my rating precipitously. The fact that a lower credit score rating directly benefits companies like TD Auto Finance should be investigated by the CFPB as a fraudulent practice meant to harm consumers and XXXX XXXX  like me.
Product: Checking or savings account

unable to access account ... & change password ... email response arrives NEXT DAY even though it ( authorization code ) was requested the day BEFORE ( ten minutes to respond is NOT being followed by BARCLAY ... this has been/is an ongoing problem
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 : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or other personal consumer reports

My accounts 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 to be removed/updated. 

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. 

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

I'm looking to by a house and wanted to get preapproved for a loan. The agent found several problems on my credit report. There were 10 credit cards on my report that I never applied. I believe I am a victim of Identity Theft and these cards are fraudulent and I need them off my credit report. I have submitted a number of disputes through XXXX XXXX and Equifax. I will be submitting a police report also. Here are the cards in question : XXXX XXXX {$590.00} Limit {$500.00} Opened XX/XX/XXXX ( 3 mos ) On time XXXX {$0.00} Limit {$8000.00} Opened XX/XX/XXXX ( 6 yrs, 3 mos ) The XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( 2 yrs, 1 mos ) Closed on XX/XX/XXXX XXXX Closed Limit {$600.00} Opened XX/XX/XXXX ( 4 yrs, 9 mos ) Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX Closed Limit {$3000.00} Opened XX/XX/XXXX ( 5 yrs, 0 mos ) Closed XXXX XXXX Closed Limit {$500.00} Opened XX/XX/XXXX ( 1 yrs, 9 mos ) Closed XXXX XXXX  Closed Limit {$700.00} Opened XX/XX/XXXX ( 1 yrs, 9 mos ) Closed XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( 4 yrs, 8 mos ) Closed XXXX XXXX XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( 1 yrs, 9 mos ) Closed XXXX XXXX XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( 1 yrs, 10 mos ) Closed This Information download from XXXX XXXX and Equifax websites
Product: Money transfer, virtual currency, or money service

I was interested in buying a horse. I searched XXXX for horses for sale near me. XXXX XXXX showed up on my search. I contacted the site using a contact us on the website. A gentleman named XXXX XXXX emailed me back and was very convincing on buying and shipping me the horse I was interested in. After several emails back and fourth he convinced me to wire transfer XXXX  USD to an address TDBank in XXXX XXXX  Texas and to his accountant named XXXX XXXX. After the wire transfer I received a call from a friend in Arizona who said he had seen the same horse I was interested in on another site in AZ. I then checked XXXX and found this same guy had scammed thousands of dollars from innocent people like myself. I then emailed the scammer back and asked for a refund. Never heard from him again. I searched the fake website to XXXX and found the scammers address to be in XXXX. Please help to recover my money! Just so you know I filed a police report and also contacted my bank fraud department and filed with the FTC and FBI ic3 complaint. I have tried everything to try and get my money back to no avail.
Product: Debt collection

So XXXX XXXX put negative things on my credit report which I LITERALLY KNEW NOTHING OF, THEN THEY CHARGED IT OFF BOTH ACCOUNTS CAUSE I KNEW NOTHING ABOUT THESE ACCOUNTS, SO NOW A CREDITOR NAME JEFFERSON CAPITAL OPENED A NEW ACCOUNT ON MY CREDIT AFTER IT WAS CHARGED OFF CAUSE I KNEW NOTHING ABOUT THEM ACCOUNTS
Product: Mortgage

We have made several attempts in requesting a modification ( HAMP ) with BOA, but to no avail. I feel that I am being discriminated against as B.O.A. have made provisions for modifications for other loans and have not approved this loan. In XXXX of 2012 my wife suffered a XXXX and it has left her XXXX and we loss her income. Prior to my wife 's XXXX we were never late in XXXX years on this loan. In addition, this hardship has caused us to be at imminent risk and we are facing foreclosure on this loan.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). Please be advised that under Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section XXXX and XXXX XXXX provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few issues with the bankruptcy on my credit report. I contacted the bankruptcy court that was listed on my credit reports by mail. 
The bankruptcy court ( letter attached ) responded they did not furnish the data or verify bankruptcy with the credit bureaus. 

I asked the XXXX, XXXX and Transunion to please provide the documentation and a description of the procedure used to determine the accuracy and completeness of the information. This must include the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such a furnisher. 

Please note, a third party furnisher of information, such as PACER, XXXX XXXX or an alleged creditor does not meet the standards set by the Fair Credit Reporting Act, Section 611, paragraph ( 6 ) ( B ) ( iii ). Only the Bankruptcy Court should be the furnisher of information, not a third party source. According to the bankruptcy court ( letter attached ) they do not verify bankruptcies with the credit bureaus. I demand direct, not third party proof according to the Fair Credit Reporting Act, Section 611, paragraph ( 6 ) ( B ) ( iii ) The credit bureaus all responded that the debt was verified, although the bankruptcy court replied they did not verify anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions