23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was transferred to Rushmore Loan Management Services. I have a credit score over 800 and have never had a late payment. 
The website seems to be tailor made for people to make late payments. They say they have automatic payment scheduling, yet when I try to do that, I get a message saying " Not Available. '' When I try to sign up for electronic reminders, there is no actual link : It is a bait-and-switch " We encourage you to also GO GREEN by signing up for paperless documents! Receive email notifications when your statements are ready to view, versus paper statements in the mail. Sign Up Today '' no active link to actually sign up for reminders. 

They do not give information about when my payments are due. The website says my next payment is on XX/XX/18, but I've already made that payment and it does not show when the next payment is due. It's XX/XX/18 already. 

This company should not be allowed to deal with servicing, they are not capable. Their business model appears to be to make it as hard as possible to pay your bill on time. I am financially literate and I find this difficult, I can only imagine how others navigate this. 

Rushmore 's business practices verge on criminal.
Product: Checking or savings account

On XX/XX/XXXX, I opened a new BMO Harris PremierTM Account in branch with using the following bonus promo code : BMOP-XXXX. I met all the terms effective XXXX, by receiving a cumulative total of more than {$7500.00} ( {$8100.00} to be exact ) in qualifying direct deposits by XX/XX/XXXX ( within 90 days of opening, per the terms ). The terms stated the bonus would be confirmed 90 days after account opening ( XX/XX/XXXX ), but as of XX/XX/XXXX, I had not received a bonus and contacted the bank. Ever since, I have been told it was in process in way or another, and as of XX/XX/XXXX, was told it was being escalated. I again contacted the bank for an update on XX/XX/XXXX and was told they had no updates. It's now been two months past the date by bonus was to be assessed, and I still have not been paid.
Product: Credit reporting

I was being billed for yard waste/ refuse services at a residence I no longer owned /resided at and had requested service be discontinued. XXXX, the yard waste refuse company, continued to bill me and ultimately sent the bill to collections where it was identified as delinquent and impacted my credit score. I have attached all relevant documents to show this repeated error was entirely the fault XXXX.
Product: Credit reporting or other personal consumer reports

I hope this letter reaches you promptly. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my account. 
I discovered unauthorized transactions on my account and immediately reported the fraudulent activity to your customer service department. While I appreciate the initial steps taken to address the matter, I am distressed to inform you that the fraudulent items have not been adequately removed from my account. 

Despite providing all the necessary information and documentation as requested, the issue persists, causing significant distress and inconvenience. I am increasingly alarmed by the lack of progress in resolving this matter and the potential impact on my financial well-being. 

I urgently request your immediate attention to this issue and a thorough investigation into the reasons for the delay in removing the fraudulent items. I insist on a swift resolution to rectify the unauthorized charges and restore the full amount to my account. 

Furthermore, I seek transparent communication on the steps being taken to resolve this matter, as well as concrete assurances that my account will be safeguarded against any future unauthorized access. 

This situation has caused me significant stress and frustration, and I trust that your company will take the necessary actions to rectify the issue promptly. Failing a satisfactory resolution, I may have no choice but to escalate this matter to relevant regulatory authorities. I am asking for your assistance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX  XXXX Balance : {$5200.00} XXXX XXXX Balance : {$210.00XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$5200.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$5200.00} XXXX XXXX Balance : {$210.00}.
Product: Checking or savings account

A merchant in XXXX fraudulently charged our account for {$1000.00} four times. We reported this as fraud to our bank Chase. Chase adjusted our account accordingly. After Chase contacted the merchant in XXXX, requested information on us and the merchant in XXXX provided that information, Chase took the {$1000.00} four times out of our account. We contacted Chase to again, let them know we did not make those transactions. Chase told us to provide documentation that we do not have a relationship with the merchant in XXXX. We asked what documentation we should provide since we do not have a relationship with them, and they could not answer that question. We requested Chase to send us the information they have on the merchant in XXXX, since there is no information we can find for a website or a phone number. They will send the information within 10 days. Until then we are out {$4100.00} ( XXXX ). When we do contact the Merchant in XXXX, what kind of documentation will that provide that we don't have a relationship with them? We are in a no-win situation and would appreciate any help you can provide.
Product: Checking or savings account

I opened a bank account with Region 's Bank with the expiations ' of receiving a {$300.00} opening fee within 60 days and was denied funds
Product: Debt collection

Over the course of the months, I have had numerous issues with this company where one instance one of the collectors got out of character with me, but I've retain a attorney XXXX XXXX XXXX in  XXXX FL and we would like to settle alleged debt for {$1000.00} and have until the end of the month to pay.I will make payment via phone with my attorney as 3rd party to confirm my payment and I once payment is made will be looking for a settlement letter as confirmation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX in XXXX and was persuaded by the dealership to purchase GAP insurance at the time of the purchase because if something were to happen to the vehicle the insurance would cover the difference between my insurance and the cost of the car. 

I did not expect to utilize it however I was in a car accident about a year later and the car was deemed a TOTAL LOSS. My insurance company paid for the vehicle, however, their was a remaining balance left on the finance for the GAP Insurance that I financed in the loan. 

There was no reason GAP should not have covered the difference and I feel I was scammed and cheated for even financing gap with the car, as my insurance covered the full amount minus the gap coverage. If you look into the paper work you will see the remaining balance on the loan was for GAP! 

That being said, XXXX XXXX reported negative on my credit report, so I reached out to resolve the issue. I reached out to them and was told if I made a payment the negative information would be removed from my report. I settled for slightly less then the amount, and they marked it as PAID with XXXX, but Derogatory with XXXX and Equifax. Adding insult to injury I reached out to them with no resolution.. 

I have reached out to them several times and have also reached out to XXXX, XXXX, and Equifax with no resolution. 

At this point I am becoming disheartened because I feel I was scammed into purchasing GAP insurance, and financing it with the car. Only to be cheated. They financed the gap, it did not cover my loss, left the gap insurance on the cost after the car was totaled and now are reporting negatively on my credit for the amount of the gap insurance. 

They are also not reporting the information incorrectly. XXXX XXXX XXXX is reporting a last payment date of XX/XX/XXXX with XXXX and XXXX, but XX/XX/XXXX with Equifax.
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 Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/year> XXXX XX/XX/scrub>XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/year> XXXX 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: Mortgage

Despite numerous complaints, Homebridge financial keeps locking me out of my account. They are not the one-stop-shop for my entire financial profile. I use third party applications/software to log into my homebridge mortgage  account and pull the data needed to keep up with my finances. 

Homebridge blatantly blocks my attempts to log into my own account through these apps. They have declared 5 of my passwords unusable. I 'm on my 6th password, and it 's not 1 of my usual 3 passwords so I 'm constantly forgetting it and having to go through the process of resetting my password. 

Homebridge, and its security are doing more harm than good.
Product: Debt collection

XXXX Accidently stumbled upon information that TD BANKS, USA filed a civil lawsuit against me on XX/XX/year> while searching for information that was unrelated. I have never received any notices in the mail nor been served, however the time limit to respond has already exceeded thus I can not stop the impending judgement that will be granted against me and they will freeze my bank account and garnish my wages. 

XX/XX/year> - Requested a copy of the original debt via mail. As of today XX/XX/year> I have not received the requested information from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet was mugged and my wallet was stolen. Someone has been using my information to open accounts in my name that I have no clue about. I am trying to keep track of all the accounts but I keep seeing new ones appear.
Product: Debt collection

I currently pay XXXX monthly on XXXX separate accounts to Asset Acceptance. The XXXX accounts originally belonged to XXXX XXXX and were turned over for non-payment many years ago. I have been receiving statements monthly for many years stating that I owe many many thousands of dollars above the original amount and when I called they stated that I am on a " non-interest '' bearing account of {$20.00} payment on each account monthly probably for the rest of my life I guess I have diligently send XXXX monthly for years at supposedly no interest, according to our agreement. Why does my balance increase each month on my monthly statement for an original balance on XXXX accounts of $ XXXX to like $ XXXX now????? 
I would say enough is enough and an old debt is an old debt ... Why are they doing this to me? I have n't received correspondence except for my monthly bills, which state my incorrect balance, and the fact that XXXX checks for {$20.00} are being written by them from my checking account ... they refused to do business with a debit card and everything always seems to be " their way '' ... .Also they will not accept e-mails and it 's now 2016???? 

Please help me settle this unfair debt!
Product: Vehicle loan or lease

I leased this car and have been making payments. I was surprised in the first place to even get it due to my credit situation. But I needed a car after being in 2 car accidents in less than a yr last yr. I have been making payments, some in full, some half and even would try and do 2-3 months. Lately I have been phone calls all day and just about every 2-3 days from different agents even though I had spoken to someone prior to the new calls. The last rep told me that one of my payments that I had made back in XXXX was sent, then returned. Which I was never informed of it nor received it back in my account. I called my bank and they pulled up my payment history and saw where I had made the payment and that it was deposited on their end. XXXX still tried to tell me that when I made the payment, there might not have been enough funds in my account to make the payment. I've tried to explain to them that I use a prepaid debit card and can only spend what is in my account. So if the funds wasn't there, it wouldn't have gone through. They are still trying to tell me that the payment wasn't made, when I got the last call before making this complaint, I had asked to speak to a supervisor, they found one that was available, I was placed on hold and was on hold for over 10mins before I hung up since no one came back to the line.
Product: Debt collection

I checked my online report recently and discovered that there is a  Professional Adjustmen  XXXX  collection that is incorrectly being reported to my credit. It seems they are asking for {$1300.00} and the account number is "  XXXX  ''. I did not receive any notice with a right to dispute before this was reported to my credit. This is concerning because I do not know who this company is or why they want me to pay them such a large sum of money. I 've done some research online and this company has been involved in several scam stories for many consumers. Considering their history, I am not about to reach out to this suspicious company when I do n't even know what this debt is for. They need to explain who they are and why they want me to pay them {$1300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy on XX/XX/2018. Prior to this filing Collectech Diversified never reported a collection account on my credit report. It wasn't until XX/XX/2018, that they reported this account to the credit reporting companies. My bankruptcy was discharged in XX/XX/2018. Since discharge, I have contacted Collectech Diversified, XXXX XXXX XXXX XXXX ( the original creditor ) XXXX, XXXX and XXXX  numerous times and asked them to update their records or remove the account from my report because they are reporting inaccurate information. They continue to report this account as an open active collection account negativity affecting my credit. I was recently denied credit by XXXX/XXXX XXXX XXXX due to their false reporting, when I received the adverse action notice it listed an " Open/Active Collection Reported on Your Credit Report '' as the reason for denial. The most recent time that I contacted XXXX XXXX XXXX XXXX and asked that they force Collectech Diversified to update this account the representative called XXXX with Collectech while I was on the phone and he again proceeded to tell the XXXX XXXX XXXX rep that they have updated it and they can't help how the credit bureaus report it.
Product: Debt collection

I found an account on my husbands credit report for {$100.00} for  XXXX   XXXX  from  Columbia Collections  we had received zero paperwork from them. When I contacted them they informed me it was an old medical debt. This amount was never put on my credit report only my husbands. The account was paid in full on  XXXX / XXXX /  XXXX  . This company then on  XXXX / XXXX /  XXXX   filed the account as outstanding on my credit report after it was paid in full. Now they are refusing to provide me with my accounting of this account that was already paid. They said they do not have to provide me with detailed accounting that shows when they report to credit companies. I have issues with a company that is reporting a debt that has been paid in full after the fact to my credit report, this is against the law and the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

XXXX THESE ACCOUNTS, IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE INQUIRIES WERE NOT AUTHORIZED. REMOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX Account XXXX, XXXX  XXXX Account XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account 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 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: Debt collection

XXXX needs to immediately stop trying to collect and report on this debt that is not owed and at no point ever did I owe the amount they are trying to collect. The account was resolved with Advance Financial. I sent an email requesting validation of the debt and no response was provided now about a year later they have started reporting the debt on my credit report of which it needs to be removed immediately or legal actions may be taken.
Product: Debt or credit management

KIKOFF LENDING IS REPORTING LATE PAYMENTS ON MY ACCOUNT, KIKOFF LENDING REPORTS DIFFERENT LATE PAYMENT MONTHS TO EACH OF THE CREDIT BUREAUS. THE INFORMATION THEY ARE PROVIDING TO XXXX, XXXX AND XXXX IS NOT CONSISTENT ACROSS THE 3 BUREAUS AND THEREFORE NOT ACCURATE. KIKOFF HAS A LEGAL OBLIGATION TO PROVIDE TRUE AND ACCURATE INFORMATION TO THE CREDIT BUREAUS. 

IF THE CREDIT BUREAUS SHOW DIFFERENT " LATE PAYMENT '' MONTHS FOR THE SAME ACCOUNT KIKOFF LENDING IS CLEARLY NOT PROVIDING ACCURATE INFORMATION TO CREDIT BUREAUS AS REQUIRED BY VARIOUS STATE AND FEDERAL LAWS. 

I HAVE REACHED OUT TO KIKOFF SEVERAL TIMES REGARDING THESE DISCREPANCIES, I HAVE PROVIDED KIKOFF WITH EVIDENCE SHOWING THE CLEARLY INACCURATE INFORMATION IN DATES AND HAVE ONLY RECEIVED BOILER PLATE RESPONSES REFERENCING THEIR INTERNAL COMPANY POLICIES.

FURTHERMORE, THE THREE AGENCIES ALSO HAVE A LEGAL RESPONSIBILITY TO SHOW ONLY ACCURATE VERIFIED INFORMATION ON MY CREDIT PROFILE. 

IF HAVE PROVIDED THIS INFORMATION TO THE CREDIT BUREAUS AS WELL. 

THERE HAS BEEN NO REMOVAL OR CORRECTION OF THIS INACCURATE INFORMATION AS IS MY RIGHT UNDER BOTH STATE AND FEDERAL LAWS PROTECTING CONSUMERS.
Product: Credit reporting

XXXX XXXX and XXXX in the Office of Consumer Affairs told me that even though XXXX XXXX XXXX put through a deletion for my account and provided a confirmation in the form of control number XXXX, which is used as confirmation by Equifax 's business team, Equifax was still refusing to delete the information. They said even if I provided the letter from the creditor that says the item was reported as deleted, they still would not delete it. They completely refused, saying that I should file an additional dispute even though XXXX XXXX XXXX has told me they have received none of the disputes from Equifax that I have already filed. Equifax told me they would offer no relief for the incorrect information.
Product: Checking or savings account

On XX/XX/XXXX my checking account with chase was charged check amount of {$500.00} that I did not authorize. I called several times to tell them that I did not authorized payment to the business establishment but they constantly refuse to reimburse. I spoke to account supervisor to explain my account did not even have enough funds to pay for the fraudulent check but they refused to reimburse me the funds. Please help me. My money is being stolen and my bank refuses to do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My parent plus student loan provider was recently changed by the US Department of Education from XXXX XXXX to XXXX. I did not request this change. The loan was transferred without my consent, apparently they can change providers as they deem appropriate. My score dropped XXXX points in one day due to the account being CLOSED. Ill get dinged again when the new lender reports a NEW account. This is not accurate reporting and the TransUnion credit score model is obviously flawed. Im being penalized for a decision the US Government made for me ; or their loan servicing providers did. There has been no change in the amount due on the loan. It was a loan serviced change only. Not a closed or new account.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XX/XX/2023 EXP 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I AM A VICTIM OF IDENTITY THEFT. PLEASE REMOVE FRAUDULENT COLLECTION ACCOUNT FROM CREDIT FILE. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus was XX/XX/2023, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX