23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

rushmore loan management services is not applying my payments sent by XXXX on time in order to allegedly generate late fees and retaliation for me complaining to the uscfpb for not applying m y payments on time. it is all over the internet they do this and they refused to allow my bank and bill payer service to send my payments electronically by federal reserve ach money transfer that would end all of these games they play. 

so I sent the following message to rushmore and my bank 's bill payer service told me they mailed the payment from XXXX, California to rushmore in XXXX California and XXXX XXXX, 2015 and received by them and as of XXXX XXXX rushmore still has not answered my previous complaint to uscfpb not given me my amortization schedule for this predatory loan that I never applied for and complained to the XXXX credit bureaus that it is not my loan and never applied for it and have no settlement documents for. 

so here is the message i sent t o rushmore loan management services. 

my bill payer service sent me a notice that the payment for XXXX 2015 was mailed to you from XXXX California on XXXX XXXX, 2015 and you received it on XXXX XXXX, XXXX it has not been submitted by you for payment. it seems you did this last month and credited my payment after the grace period on XXXX XXXX, XXXX allegedly holding the payment for crediting for 8 days before applying to my account. this time you still have n't applied the payment. the payment was mailed to you and the money is in the bank to pay it. why not stop playing games in order to generate late fees. it is all over the internet you do this illegal practice. 

please apply my payment immediately. I have contacted my bank and their bill payer service to find out why you have n't applied my payment for XXXX 2015 per your letter to me to that effect that I received on Saturday XXXX, XXXX, 2015. 

as I said they still have not answered my previous complaint and when I called them in XXXX they solicited me to do a loan modification when I have never been late or behind they are doing this to manufacture a default by not applying the payments. and coordinating with XXXX bank that also manufactures defaults by not applying payments.
Product: Credit reporting or other personal consumer reports

Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c-2 ( a ) I have forwarded multiple correspondence requesting the immediate blocking and deletion of fraudulent accounts. I am writing to formally request the immediate blocking and deletion of fraudulent accounts and information appearing on my credit report as a result of identity theft, pursuant to 15 U.S.C. 1681c-2 ( a ) under the Fair Credit Reporting Act ( FCRA ). I was a victim of the Equifax data breach, and my personally identifiable information was compromised, leading to unauthorized accounts being opened in my name. The fraudulent accounts in question are as follows : Account Name : XXXX Account Number : XXXX********** As per 15 U.S.C. 1681c-2 ( a ), you are required to block and delete the disputed information within four business days of receipt of this request. Additionally, you must cease reporting these accounts to any third party. 
I expect a written confirmation from your office once the fraudulent accounts have been blocked and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against Capital One initially on XX/XX/2020. My complaint was directly related to reports of a late payment on my credit file. I notified Capital One that I am disputing this derogatory mark on my report and asked for verification or proof of accuracy bearing my signature. Within 30 days I had heard nothing back from them nor was this item marked on my credit report as being disputed. I sent a second letter to them on XX/XX/XXXX which was received XX/XX/XXXX. My credit report still doesn't reflect that I'm disputing the item in question. I filed a complaint with CFPB on XX/XX/XXXX and on XX/XX/XXXX I received the response from Capital One stating that " ... .. we are respectfully declining your request that we ask the CRAs and to change the information we're reporting about this account. 

In your submission, you stated that we have not responded to your previous correspondence. We have reviewed our records and we have not received any correspondence from you regarding this matter. 

On XX/XX/2020, we requested that the CRAs report your account as being disputed by you. Please allow up to 60 days for these agencies to update their records ... '' I have two documents that prove that Capital One did, in fact, receive two different correspondence items sent certified mail by me one in XXXX and one in XXXX. Additionally, if they supposedly received no correspondence from me, then how, on XX/XX/2020, did they know that they should request that the CRA 's report my account as being disputed by me? 

I would like this information to be immediately removed by Capital One as they are clearly not acting in good faith and have even outed themselves as liars in their very own letter. I have attached both documents providing proof that they received my correspondence.
Product: Debt collection

This letter is regarding account # XXXX which you claim I owe you money. Please REMOVE this account to from all Credit Reporting Bureaus. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on any of my credit reports from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of { {$5000.00} } in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

- Very Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my reports I see multiple inquiries from the same companies on various dates and timelines. I was not aware nor did I authorize with oral agreement/ written signature any of the following companies to review my credit profile and send information to the bureaus : These inquires were never authorized by me and there appears to have been some sort of improper practice of procedures without permission. I need them to verify and provide proof for the validation of each inquiry. If none is given then I request that each inquiry with no proof of authorization be removed.This many inquiries ( some by the same companies again and again ) have put my profile in a terrible position. I need it rectified as soon as possible so that I can continue with improving my credit profile and quality of life. Here are the companies and dates of occurrences : Experian : The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of XXXX XXXX XX/XX/XXXX XXXX The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXXE Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry XXXX XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that Equifax do an investigation with my inquiries, I even submitted an FTC report which only allowed me to add 5 accounts to the report. I have advised Equifax of this and they state they would put all inquires on file in dispute. I have not heard nothing back from Equifax and it has been over 30 days.

Additionally, they have removed some of the hard inquires, but left 11 on my credit report which are considered fraudulent inquires. No communication has been received from this credit bureau which violates the law.

Please have those inquires removed ASAP.
Product: Credit card

I applied for and was approved for the XXXX Credit card by Synchrony bank. After several weeks the card had not come and i called them on XXXX/XXXX/16 and spoke with XXXX " XXXX '' in the fraud dept. I was told that Synchrony will not issue the card unless they have a copy front and back of my license on file. I objected to this because my photo, DL and financial info can be used by hackers to create fake id for terrorists and criminals using my face should they be hacked. Synchrony refuses to issue the card they approved unless i expose myself to major potential identity theft should their systems be compromised. Synchrony does not seem to care that a security breach in their system can create major opportunities for terrorist and criminal organizations to steal identities wreak havoc and destroy the lives of those customers who have been victimized by the breach,
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : AMERIHOM MTG XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and used to purchase XXXX vehicles. I have filed a police report, FTC Identity theft report. I have reached out several times to Bank of America and XXXX XXXX XXXX with this prof. Since this loans were placed under my name in 2019. I was told they were deleted off of my credit. Now they are showing up on my credit again. I sent my documents to Bank of America, XXXX XXXX XXXX and the credit bureaus again and the credit bureaus told me they placed it back on my credit and they can no longer help me.! then when i called B of A and XXXX XXXX credit they said because i cant verify my fraud identity info they wont talk to me!!!!!!!!!!! This should be criminal and illegal. I am preparing a civil lawsuit with all of my XXXX plus dispute claims police reports FTC reports.
Product: Credit reporting or other personal consumer reports

Dear Experian, This is my third formal request to your agency regarding fraudulent information appearing on my credit report, and I am writing to express my frustration with your continued failure to take appropriate action. Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I demand that you immediately block the fraudulent accounts, collections, and hard inquiries resulting from identity theft within XXXX business days of receiving this complaint. 

The fraudulent and inaccurate information in question includes a XXXX XXXX credit card account ( Account number : XXXX ), which was opened without my knowledge or consent. This account, along with multiple fraudulent hard inquiries and collections, has appeared on my XXXX credit report and is damaging my credit standing. 

Please be advised that I do not recognize the following : The XXXX  XXXX account Any collections associated with it The hard inquiries related to this fraudulent account These accounts, inquiries, and collections are not the result of any actions I have taken. They are entirely the product of identity theft and fraud. 

I have already submitted multiple disputes with you regarding this issue, and yet, no corrective action has been taken to remove the fraudulent information. This ongoing failure to address the issue in a timely and appropriate manner is unacceptable. I have attached the following documentation to support my claim : A copy of the FTC Identity Theft Criminal Complaint ( Case # XXXX ), confirming that the accounts, collections, and inquiries listed are the result of fraud and identity theft. 
A list of the fraudulent hard inquiries in question. 
This matter must be resolved immediately. As required by law, you are obligated to block all fraudulent information from my credit report within XXXX business days. If you fail to do so, I will be forced to take further legal action. 

I expect written confirmation from your agency that the fraudulent items have been blocked from my credit report and that all collection activities related to these fraudulent accounts have ceased. Failure to address this matter promptly will compel me to escalate this issue further.
Product: Student loan

Hello, I recently consolidated my loans based on the XXXX and urgent advice from a MOHELA loan servicer in a phone call with MOHELA. It looks like not only have not all of my loans actually been consolidated ( I still have charges from both MOHELAXXXX and XXXX  ), but also I've now been kicked out of the SAVE plan I was in ( as has my husband, apparently because we filed our taxes jointly for the first time this year ). We both have more student loan debt than we make in discretionary income each year. I have reapplied for income based repayment multiple times and nothing has changed. Today I received a letter from MOHELA telling me that I don't qualify for IBR and that I'll need to pay more than $ XXXX for 30 years ( meaning that I would pay them more than {$330000.00} in ADDITION to the amount I actually borrowed ). Some of my loans are from the early XXXX ( I'm XXXX and began a second career only a handful of years ago because frankly I wasn't making enough money to ever retire ). I know they can't just kick me off of income based repayment, and I never failed to re-certify. Please help me get back on an IBR plan.
Product: Credit reporting

A few weeks ago I tried to place a credit freeze on my credit report. Transunion refused to do as I requested. I filed a complaint with the XXXX and their response stated that I never asked for a credit freeze. I had no problem with the other XXXX agencies.
Product: Credit card or prepaid card

On XX/XX/2019 I submitted a puchase dispute to Synchrony bank for 2 services both from XXXX XXXX XXXX one for {$420.00} and the other for {$530.00}. I told them I was not happy with the service provided and wanted to use my right not pay. The clinic called me and argued with me for god knows how long and did not want to make it right with me. I then get a dispute resolution letter stating my dispute had been researched and resolved but here I am still stuck paying for something I was not one bit happy with.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred since 2021. Despite having sufficient funds when transactions were authorized I was charged fees due to delays in posting of charges and credits. Additionally, multiple transactions were debited twice, resulting in additional insufficient balances that were also erroneous. These issues aligns with the recent findings against Navy Federal Credit Union for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these actions are unfair, and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I have 2 accounts with Navy Federal Credit Union, which can not be utilized ( checking/Savings ). I have a few negative reports with various credit agencies, as well as my debt being sold to another creditor. That creditor XXXX XXXX XXXX is defaming my character as well. Plus a lien was placed in my name. It's false reporting to the credit agencies as well as the IRS. If the accounts. was charged off that means you've accepted payments for the accounts. Securities were established on the stock exchange. My question to the Navy Federal is how much money are you trying to make from my name? To deny me credit is unethical practices, and discrimination. because you will take that denial and create more securities as well. 

I would say this is considered Abuse of Process ; which has some serious fines and penalties with various government agencies. 

At this point Navy Federal has some serious explaining to do. I have all documentation available for the claims I'm stating.
Product: Credit reporting or other personal consumer reports

The following companies are involved in securities fraud via improper use of my private property and information. I DO NOT HAVE A SIGNED CONTRACT OR AGREEMENT WITH ANY OF THEM. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSWORLD SYSTEMS INC All reporting needs to cease immediately. DELETE all reports from my consumer credit file promptly. {$1000.00} fine per occurrence per federal regulations. THIS IS AN OFFICIAL NOTICE OF VIOLATION OF FCRA, FDCPA, UCC, UCCC, USC, AND THE PRIVACY ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data breach compromised my personal information. Verified by Equifax website.
Product: Mortgage

I am a XXXX XXXX  who is tax exempt from property tax. Since XXXX of XXXX I have been trying to get an issue involving my property tax resolved with my mortgage lender Mr. Cooper. My payments went from around {$2300.00} to {$3600.00} starting XX/XX/XXXX I have called and emailed multiple employees of Mr. Cooper. I have sent in paperwork showing I am property tax exempt and also spoke with the Supervisor of Assessments on multiple occasions. I was eventually able to get in contact with XXXX from the escalation team who did help some by doing an escrow analysis in XX/XX/XXXX and the payments were lowered to around {$2800.00}. The last time I spoke with XXXX she told me she would look into everything but I never heard back from her. I contacted a VA technician to help with the issue and I have not received any response at this time and it has been over a month now. The extra money paid on this has not been returned and I was told by XXXX this was used to pay previous property tax. I am now financially in a bind due to the extra thousands of dollars I was forced to pay. The contact information for XXXX the escalation team member at Mr. Cooper is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, I am writing to request that the Consumer Financial Protection Bureau ( CFPB ) remove fraudulent accounts from my XXXX and TransUnion credit reports. These accounts were opened without my knowledge or consent, and have had a severely negative impact on my credit score and overall financial standing.

The fraudulent accounts in question are as follows : XXXX, opened on XX/XX/XXXX with a balance of {$710.00}, XXXX XXXX, opened on XX/XX/XXXX with a balance of {$3300.00}, and XXXX, XXXX on XX/XX/XXXX with a balance of {$0.00}. I have never had any accounts with these institutions, and did not authorize anyone to open them on my behalf. 

As a victim of identity theft and fraud, I have taken all necessary steps to rectify the situation, including contacting the Federal Trade Commission ( FTC ), and placing a fraud alert on my credit reports. Despite my efforts, these fraudulent accounts continue to appear on my credit reports, and have caused significant harm to my XXXX XXXX and financial reputation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information on my credit reports. I am requesting that the CFPB take immediate action to remove these fraudulent accounts from my XXXX and TransUnion credit reports, and to ensure that they do not reappear in the future. 

I appreciate your attention to this matter, and I look forward to a prompt resolution. 

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

XXXX card is reporting false and fraudulent information on my credit report and equifax has claimed to validate this information, I won the court case and also sent the order of dismissal to equifax and they are continuing to report this information
Product: Credit reporting or other personal consumer reports

I purchased a vehicle in XX/XX/year> with an agreement to pay the down payment within one month. Due to an unexpected doubling of my mortgage that month, I contacted the company to request an extension. They granted me until XX/XX/XXXX to complete the payment, with a schedule to pay {$100.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, with the remaining balance due by XX/XX/XXXX. Despite adhering to this arrangement, they added a late fee on XX/XX/XXXX. When I called, the representative assured me the late fee would be removed once I paid the {$1700.00}. However, the late charge remains on my credit report, and the payments I made are not reflected. I disputed this with XXXX, but my dispute was denied, leaving the incorrect information unresolved.
Product: Credit reporting or other personal consumer reports

I sent a dispute to Experian on XX/XX/year> and they responded it was accurate. 
I sent a second dispute to Experian on XX/XX/year> asking for the steps that were taken to verify the information was accurate and the response received was just a template saying the information came back verified. 
I sent a third notice of default in XXXX again asking for the steps taken to verify the information being reported was accurate. They sent another template response saying it was verified. 

I know there has been a lawsuit filed by CFPB alleging sham investigations of consumer 's disputes. This is exactly what happened to me!