23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My grace period of 15 days by Maryland law in my mortgage account has not been protected. Misc. Corporate disbursements and Corporate advance adjustments on my customer account activity statement in which I don't know what they are, how they is getting in my mortgage account and where they leads to. And the money orders for I sent them to XXXX. XXXX XXXX with payment coupon for that month would show on the right mortgage statement in the right time period. I am filing a complaint against Rushmore because Rushmore release a XX/XX/XXXX mortgage statement without my money during my 15 days grace period but the money was there. And I believe Rushmore will do it again because the Rushmore representative, XXXX XXXX write this in XX/XX/XXXX letter to me " Furthermore the last day of your XX/XX/XXXX grace period was XX/XX/XXXX. She writes '' However no late fee was assessed to you account even though the grace period has expired on XX/XX/XXXX, XXXX " And she sends me the customer activity statements which shows Misc. Corporate Disbursement amounts and Corp. Advance Adjustment amounts in which I know nothing about but it is under my mortgage account No., my name and my address and these amounts started from XX/XX/XXXX to XX/XX/XXXX. Who is using my mortgage account beside me? And where is this place located? Why on the date of XX/XX/XXXX by Maryland Law of 15 days grace period didn't the money which Rushmore received on XX/XX/XXXX show on a mortgage statement before a delinquent letter of XX/XX/XXXX was produced by Rushmore? My position is this : Anytime I get a mortgage statement that does not show the money I paid in which I know I paid I will do a trace on it. And that is what we do. Is this Rushmore position? Anytime Rushmore does not receive my money by the 10 day of each month, Rushmore will pull my money from XXXX XXXX and put it in another P.O. Box? Why have Rushmore let somebody put their wants in my mortgage account instead of serving me by Maryland law under mortgages and my need to pay my bill in the current period on a mortgage statement? On line 19 on the deed it is stated : Governing Law. This Deed of trust shall be construed according to the law of the State of Maryland. And Maryland does have a Law for mortgages.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : Original Creditor : XXXX XXXX Balance {$1000.00} CCI Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$55.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently received a copy of my XXXX credit report. The credit report showed a double hard credit inquiry by your company on the same day that I do not recall authorizing. I actually asked the person in charge at the office if it would affect my credit since I didnt need that credit card with your bank or the increase of limit, which I was told that it wouldnt. I understand that they should n't be allowed to put a hard inquiry on my file unless I have authorized it. Thanking you in advance,
Product: Credit reporting, credit repair services, or other personal consumer reports

company is reporting inaccurate information. They said all information was reported accurate on the XXXX. the account is paid for and closed and is still reporting negative.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 


XXXX XXXX XXXX XXXX : {$17000.00}
Product: Debt collection

I received a collection notice from Linebarger Goggin Blair & Sampson, LLP claiming that I owe a Florida State toll with a license plate XXXX, FL. I have never owned a car with a Florida registration, ever.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

The following information attached to this complaint is a formal request for the permanent removal of the following accounts due to a lack of response from the corresponding creditors of each inaccurate or incomplete account after reinvestigation : Account Name : XXXX XXXX  ; Type : Installment - Account # XXXX Account Name : XXXX XXXX ; Type : Installment - Account # XXXX Account Name : XXXX XXXX ; Type : Installment - Account # XXXX Account Name : XXXX  XXXX ; Type : Installment - Account # XXXX Account Name : XXXX XXXX ; Type : Installment - Account # XXXX I attempted to verify these debts and received NO RESPONSE from the above companies ( see attached proof of this verification. ) According to FEDERAL LAW, creditors have XXXX  days from the date of my request to validate the debt and they failed to provide any information concerning this debt. These debt are NOT mine nor can they or have they been verified as factual or accurate and need to be removed immediately from my credit report. 

You have XXXX  days to remove the above mentioned accounts. In the event that you continue to list the disputed items on my credit report after XXXX  days, I will find it necessary to file suit against your company for actual damages and punitive damages under the Fair Credit Reporting Act. Because the Fair Credit Reporting Act provides concurrent jurisdiction in federal and state courts, I shall elect to use my residency county and state as jurisdiction to bring appropriate action against your company.

I look forward to an uneventful resolution of this matter.

Thank You in Advance.
Product: Debt collection

I was the victim of identity theft. The original company, XXXX XXXX, was removed from my credit report. Portfolio Recovery apparently purchased this fraudulent account and is reporting it on my credit bureau reports. I am a XXXX XXXX XXXX veteran and Portfolio Recovery is trying to extort money from me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate this account from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX Balance : {$540000.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft XXXX XXXX XXXX XXXX Balance : {$4300.00} date open : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6400.00} date open : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

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

Ive asked credit one to send me a copy of the credit report they report to credit bureaus because Im noticing on my credit reports that they are not including payments that I make on all of my balances. Ive have been paying them all off and can show my statements regarding that.
Product: Debt collection

On XX/XX/24, XXXX XXXX XXXX contacted my sister for a debt owed for Ingetgra Credit which is a 799 % payday installment loan business. 

They contacted her three times and left a voicemail. 

They contacted her a FOURTH time and asked to speak to XXXX, who is my mother, who is dead. 

My sister has XXXX regarding my mother being dead and emotionally frail. This set her into a full meltdown which I had to attend to. 

If you XXXX the phone number this business contacted me personally on, which they have above the legal limits allowed, it is listed as a Robocall and it hits my spam blocker. 

Therefore, this is the reason I have not made attempts to contact them because I called Integra credit for whom they represent and they stated the loan was now dealt with them and to speak to them directly. 

I also attached the XXXX search of the name of the company and the phone number that states it is a Robocall Scam. 

I'm not sure since Integra Credit was the loan originator to place them on this complaint or XXXX XXXX XXXX.
Product: Credit reporting

I disputed amount owed. This account in closed and turned over to collections/ charged off but balanced owed increases weekly. Originally dated of dispute is XXXX/XXXX/17. Company has failed to respond within 30 days and has yet to remove account from credit report. Also said company is scheduled to garnish federal refund. This is account is closed and in collections/charged off, balance increases weekly, and set to offset federal refund for amount other than what 's reported on credit report also has failed to respond to dispute.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  Consumer Disputes XXXX XXXX XXXX XXXX, XXXX, XXXX and/or Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Dear Sir/Madam, Subject : Request for Removal of Bankruptcy from Credit Report I hope this letter finds you well. I am writing to formally request the removal of the bankruptcy filing listed on my credit report, which I believe is inaccurate or outdated based on the following reasons : 1. Error in Verification process. 
You are improperly reporting an alleged Public Record on my consumer report that is clearly in noncompliance with recognize METRO2 Reporting Requisites per the CRGG as well as FCRA, and thus damaging my credit. Without being certifiably compliant with METRO2 reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less public record that was not even reported to you by the alleged Court of Record. Immediately, DELETE ALL record of the following alleged public record, or else provide proof and the verification process of how that proof was obtained by you and that you have verify each notation for the maximum possible accuracy and compliance with all METRO2 reporting standards. 

For your reference, I have attached A letter from the United Stated Bankruptcy Court stating that they do not verify information with the credit reporting agencies. So they verified information is inaccurate or incorrect I would appreciate it if you could review my credit file and remove the bankruptcy listing as soon as possible. If further action or documentation is needed from my end, please do not hesitate to inform me. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of the bankruptcy from my credit report. 

Sincerely, XXXX XXXX XXXX number : XXXX
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash App ( Block , Inc. ) Due to inadequate customer service and unfait practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely ans effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have causes significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I opened an account with Venmo after making the mistake of believing I needed to use one to use XXXX XXXX After realizing my error I proceeded to leave the account alone entirely. As I had no further use for it. No transactions were made, no withdrawals, and no balance owed ; overdraft, due, or otherwise. 

I heard nothing from Venmo over the weekend and came to find later their office hours are closed. As this did not really matter in the moment due to my lack of interest in the account I went on my way and continued my weekend. On XX/XX/22 I received an email from them asking about connecting a method to withdraw money or add money in an email, and then an hour after this email I was informed my account was 'frozen due to recent activity that appears to have violated the User Agreement. ' This is false, as I had not even used the application or done anything in it to warrant a violation to begin with. 

No purchases made. 
No withdrawals or money requests. 
No accounts hooked to the Venmo ; banking, credit or debit from any institution No breach of an account I did not own. 
No duplicate accounts. 
Nothing. 

I read through their User Agreement and found myself in no form of violation to their terms at all. My account was also verified by their app which means they approved my Name / DoB / SSN / Address, City, & State as all being valid and toward me. Yet the email told me that with my account frozen I would be able to reactivate it if I sent them a copy of my photo ID unexpired. 

I do not feel comfortable with this at all. I never used the platform only signed up for it, they are requesting more of my identification despite their app verifying me, and after speaking to their correspondence on the matter I am stuck waiting for 7-10 day turn around for an answer. This is also in pair with the fact that an account can not be closed if it is frozen. A little history and research on Venmo will show this is a common practice of theirs and for some also is a means of their money being held in a 180 day limbo. Fortunately I have nothing invested in them and only want my account closed. 

The Pandemic also makes it impossible to get properly updated identification without an appointment and appointments are swamped with the higher rising cases. I want nothing to do with Venmo and informed them of such when I reached back out via email. Since I never utilized the account for any purpose, I would like the account unfrozen and closed. If I decide at a later date I want to open a Venmo account then sure, I will do so, but that is not likely considering their customer service and refusal to work with me to resolve such a simple matter.
Product: Credit reporting or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are XXXXXXXXrequired under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address XXXX XXXX XXXX
Product: Mortgage

Was applying to have my name added to my mother 's mortgage and amazingly, was rejected. Here are the facts. I work for a XXXX XXXX company, make well over {$68000.00} a year, have a 700+ credit score, and have a car that 's fully paid off worth about {$14000.00}, and have {$56000.00} sitting in a B of A bank, the bank that turned me down. Moreover, we had $ XXXX in equity in the home so if we didnt pay, the bank would still get all its money back and more. 

My mother also has good credit, receives about {$2100.00} a month from SS, and has {$13000.00} sitting in just one of her bank accounts and thousands more sitting in others. 

Here 's why we got rejected. XXXX XXXX, the B of A rep, underreported my income by about 50 %, did n't even come close to listing all of my assets or my mother 's, listed the house as having been bought in XX/XX/XXXX, instead of XX/XX/XXXX, listed the purchase price as {$100000.00} instead of as {$79000.00}, had the wrong address on the loan, and charged me $ 500+ for an appraisal that never took place and which she originally was not going to refund. XXXX also listed my marital status as single, a lower credit rating, instead of married, a higher credit rating. Nor did she even ask about my wife 's income -about {$45000.00} a year. I emailed her several times telling her of these discrepancies, but she insisted I just follow her instructions and everything would be alright. Well, it was n't. The loan got rejected. 

I have several emails documenting my corrections of XXXX 's data and of XXXX 's insisting I just submit the paperwork as it was. Attached is but one of them. If need be, I will gladly submit the rest. This one, however, seems to say it all.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX Account Number : XXXX Balance : {$0.00} Reason : It is with disappointment that I dispute the missed and late payments on this account. The situation has become a frustrating reality. Please provide statements and records of all payments made and missed since I opened this account, so I can better understand and address the issue. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status : Inaccurate These items are either inaccurately reported or have already been resolved, and I request a thorough investigation and correction. I have already reached out to both the credit reporting agency and the data furnisher, but the issue remains unresolved. Attached are supporting documents, including screenshots of my credit report, highlighting the inaccuracies and supporting my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
5. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

MY NAME IS XXXX XXXX, I AM SUBMITTING THIS COMPLAINT ON MY BEHALF WITHOUT ANY THIRD PARTY OF INFLUENCE PLEASE SEE ATTACHED DOCUMENTS AS THEY STATE MY FULL COMPLAINT