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

Equifax, if the mortgage account with XXXX dba XXXX XXXX # XXXX is not corrected to OPEN, then the next correspondence will be from my attorney. 
I have dispute this 4 times now. See attached Equifax dispute results. nothing was corrected. And yes, I have disputed with  XXXX, but I am not allowed to actually speak to anyone in their credit reporting deptso my dispute is going nowhere. 

**See my attached mortgage payment receipts for XXXX, XXXX, and XX/XX/2020. I pay this account every month! It is OPEN. And there have been no late payments past 30 days, ever. 

*I also disputed this again online XXXX, and provided all these documents again online as well. 

Please correct my Equifax credit report to show mortgage account with XXXX dba XXXX XXXX # XXXX as OPEN, not Closed. And on-time payments through XX/XX/2020. 

*I have provided PROOF that this account is Open & current on payments multiple times, not Closed.
Product: Mortgage

I started my loan process w ith Waterstone Mortgage wit h the office in  XXXX , WI with  XXXX   XXXX  and  XXXX   XXXX . That office was shut down without notice by  XXXX   XXXX   Branch Manager.  My file was transferred to  XXXX   XXXX  out of the  XXXX , WI office. Documents went missing that had to completed a second time. After a bunch of running around during the extended time frame I was having to try to get IRS transcripts. I am a  XXXX  VET that lives on my  XXXX . I have n't filed taxes in 15 years and they denied me based on this fact. I tried getting the transcripts online for the last  three years  that stated what I did n't file and was n't able to get it. I called the IRS and was on the phone for hours as well as online. When all attempts by me failed as well as  by Waterstone. Th ey came back then and tried to tell me that I did n't disclose a second vehicle so now I was denied based on the debt to income ration. Everything was disclosed to the  XXXX  office. It 's not my fault that that office was shut down without notice and my documents were lost, misplaced, or misfiled. On top of that  Waterstone   XXXX   XXXX  shared my confidential financial information to the listing agent. This created increased stress and tension with the seller.
Product: Credit reporting or other personal consumer reports

This is NOT a fraud complaint. do NOT place a fraud alert in my credit file. 

I have challenged the reporting of a bankruptcy on my credit report 8 separate times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I demanded each and every document that they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not in compliance with the law. This must be done in Metro 2 Format reporting.

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the bankruptcy, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act.

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation.

I demand the bankruptcy be properly verified with physical documentation and in Metro 2 Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts appearing on my credit report are fraudulent : XXXX XXXX {$1200.00} XX/XX/2021, XXXX XXXX  {$2000.00} XX/XX/2021, XXXX XXXX {$61.00} XX/XX/2021, ABILITY RECOVERY SERVICE {$1400.00} XX/XX/2021, XXXX XXXX XXXX {$640.00} XX/XX/2021, XXXX XXXX XXXX {$930.00} XX/XX/2021.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I wired XXXX US to the XXXX XXXX XXXX XXXX BB & T Bank ( XXXX XXXX XXXX XXXX, XXXX, GA XXXX. Acct number XXXX in the name of XXXX XXXX XXXX ) for the purchase of a boat. 
I soon realized that I was scammed and asked BB & T to return the money. I also asked my bank XXXX to ask for the money back. 
To date BB & T has refused to reimburse the money to me or to XXXX. They have also declined to pursue the owners of the account which was used for the scam. 

XXXX has rolled over and accepted this outcome. 
Attached are the details of the scammer 's account. I would also like to add that I remained in touch with one of the scammers and begged the XXXX to track the owner of the scammer 's email account. I had no acknowledgment that this was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX  XXXX Opened : XXXX XXXX ACCT : XXXX AMOUNT:XXXX PLEASE DELETE IMMEDIATELY Name : XXXX XXXX XXXX Opened : XXXX XXXX ACCT:XXXX AMOUNT:XXXX PLEASE DELETE IMMEDIATELY Name : XXXX XXXX XXXX Opened : XXXX XXXX ACCT:XXXX AMOUNT:XXXX PLEASE DELETE IMMEDIATELY I have tried contacting these companies and explaining that these accounts are not mine. They have not responded or given me a call back.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

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: Student loan

XXXX University, XXXX FL, is owned by XXXX Colleges. I took out a private loan through XXXX University called a XXXX Loan for approximately {$4600.00} on or about XX/XX/XXXX to cover the part of tuition not covered through the Federal Student Loan program. XXXX switched the loan servicer from XXXX to Campus Student Funding and XXXX, XXXX ( XXXX XXXX XXXX ), PH # XXXX XXXX on or about XX/XX/XXXX. 
The following is an excerpt of what has happened to XXXX Colleges : " XXXX and XXXX borrowers : On XX/XX/XXXX, the Department announced new information about this relief. The Department has found that between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX, XXXX XXXX, and XXXX University ( " XXXX '' ), as well as XXXX misrepresented job placement rates for many of their programs of study. The Department stated that these findings qualify students enrolled in the covered programs and time periods to apply for a discharge of their federal Direct Loans through an expedited process using a simple attestation form. This includes parents of XXXX and XXXX students with parent PLUS loans. '' The Federal Court ruled that ALL student debt for students attending XXXX Colleges/ XXXX University is to be fully discharged for those attending between XX/XX/XXXX - XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Hello, This complaint revolves around the app " XXXX XXXX XXXX '' aka the Cash App. It is convenient and low-fee way for individuals to send and receive money to each other, usually instantly regardless of banking institution. My bank is XXXX and my spouse 's bank is XXXX XXXX. 

In this case, my spouse and I use the cash app frequently multiple times per month to send and receive money from each other to cover miscellaneous expenses as well as share the cost of bills and services. 

In this specific case, on XX/XX/2023, my spouse used the cash app to send me her half our monthly mortgage payment in addition to her half of our car insurance bill totaling {$1300.00}. This is a very normal behavior for us and we have done so without issue monthly for over a year. 

Unfortunately the day my spouse sent me this XXXX, the Cash App experienced a massive network outage internally which I believe caused issues processing this payment. This information can be verified by going to the cash app outage status website and looking for incidents spanning XXXX XXXX XXXX and XX/XX/2023. Here is the url : XXXX : XXXX I just got off of the phone with cash app support and was told that there appears to be no issue and I can request an investigation to take place and this investigation takes at minimum ten business days and I will receive an email with the results. I impressed upon the representative ( XXXX ) that this is a large sum of money and we made this transaction well in advance of our mortgage due date to anticipate any processing time and that my mortgage payment was due yesterday and I do not have the money now and that I can not wait ten business days without a guarantee of action. The representative seemed to be reading from a script and would not acknowledge this hardship or the situation and simply said " This is all we can offer you ''. That is unacceptable to me. I did nothing wrong and followed all of the rules and have given the Cash App team all of the required processing time that is expected of a transaction like this ( 3 business days/72 hours ). 

The payment was sent XXXX XXXX XXXX XXXX  and I have confirmed with my spouse the money was removed from her account. I have confirmed with my bank that no transaction is pending or waiting to be processed. It is now XX/XX/XXXX, over XXXX business days later. 

The Cash app indicates the payment was deposited successfully. I am adding the relevant information from the cash app receipt and can also share images and bank statements from both my spouse and I to confirm this claim. 

- My Cash app username : $ XXXX - My spouse 's cash app username : $ XXXX - Information from cash app support : cash app investigation reference # XXXX - Web receipt from the cash app for this transaction : XXXX XXXX XXXX from $ XXXX {$1300.00} For home and progressive Friday  at XXXX XXXX  Deposited Amount {$1300.00} Fee {$0.00} Destination The XXXX Bank Identifier # XXXX To XXXX From XXXX XXXX Thank you for your time.
Product: Vehicle loan or lease

On XXXXXXXX XXXX, I went to finance a auto at a dealership. I was already pre-approved from a certain lender, however, the dealership ran my application to other lenders. Bank of America Auto finance was one of them. Bank of America immediately denied an extension of my credit. This is 2 violations of ECOA / Regulation B, by denying me and further discouraging me from applying for an extension of my credit.
Product: Mortgage

Rushmore has intentionally obstructed the loss mitigation process for our home, has engaged in unethical and illegal foreclosure practices ( pay to play?? ) as well as denying access to mediation as required by New Jersey state law. My family has owned our home for 41 years and have attempted on multiple occasions to work out a loan modification or sale of the property. Instead of considering options and conducting a fair review Rushmore has blocked us at every turn, attempting to sell the house while still under federal bankruptcy protection and informing us that we can't be considered for any type of compromise or work-out solution unless we pay $ XXXX in cash upfront??? Rushmore along with foreclosure firm XXXX XXXX have engaged in unethical and illegal foreclosure practices and have my family facing a foreclosure sale date scheduled for XX/XX/XXXX. This was set up even though our home is still under bankruptcy protection but they have attempted to file a motion to remove stay so they can steal our property. My husband was a very successful XXXX  who XXXX XXXX XXXX XXXX XXXX and we never had a problem with our mortgage until Hurricane Sandy. When we struggled financially we tried to work things out with Rushmore but my husband passed away last year and they refused to continue negotiating with us. I provided them with the legal paperwork showing I was the rightful heir and executor and that they should negotiate with me but no progress. We gave them a good faith payment of $ XXXX in hopes this would break the logjam, but we found ourselves back in the same situation -- no review of our current and correct financial circumstances and a rush to auction our property. We have some equity and have also been trying to sell the property but they won't give us time. 

We took out this adjustable loan through XXXX in XXXX and then switched to XXXX. Hurricane Sandy destroyed our home and the government got involved and XXXX dropped our payments from {$8500.00} a month to {$5000.00}. In XXXX the loan transferred to Rushmore and they suddenly raised our payment to {$13000.00} a month. This corresponded with my husband 's health issues ( XXXX then XXXX ) which limited the amount of time he could XXXX   XXXX  -- this was exacerbated by a servicing transfer on our boat loan to XXXX XXXX. We had renewed the loan every 7 years but when XXXX took over they called the note in ( XXXX XXXX balance ) and we had to sell the boat. At that time the boat market was soft and we could not find a buyer to pay full price -- we found one who offered 75 % and XXXX XXXX  said they would accept that but they wanted to use their own broker on the deal so they could double-dip. When that fell apart XXXX called the note and seized our assets and bank accounts. This began the problem with the mortgage and ultimately when my husband passed away Rushmore blocked everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} ( Original Creditor : ) XXXX : {$81.00} ( Original Creditor : ) XXXX Balance : {$100.00} XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

For almost 2 years I was making on time payments to Landmark financial through XXXX XXXX. But I ended up in a serious financial hardship and had to change debt consolidation companies to XXXX XXXX XXXX XXXX. By mistake I didn't contact Landmark about my hardship and change of debt consolidation companies. XXXX XXXX  made 2 different offers which they denied asking for the full amount and threats of wage garnishment if full amount isn't paid. I wasn't trying to avoid payments in any way
Product: Checking or savings account

On XXXX/XXXX/XXXX I went into Wells Fargo Bank located at XXXX XXXX XXXX XXXX CA XXXX to send a wire for {$95000.00} to close escrow. I have banked at Wells Fargo for over 20 years and had an available balance of over {$500000.00}. I was told in order to send a wore I needed an appointment and the next appointment was XX/XX/XXXX. I needed to close escrow today not on XX/XX/XXXX mind you there were no other clients in the entire bank waiting to be helped. Only after I threatened to file a compliant with the OCC and CFBP they said they would do me a favor and let me come back at 1 ; 30 which would still be to late for my transaction. the XXXX XXXX XXXX XXXX stated I could drive around to other locations but all branches did not have appointments for weeks. I've been a banker for 30 years and have never been told you need an appointment to send a wire let alone 3 weeks in advance. This is unacceptable as my funds are in a DDA which mean Demand Deposit Account meaning I need to have access on demand, and I went to a full service location that denied me services and caused my escrow to be delayed. I was unable to send from Wells Fargo and had it use a different bank account. This caused me hours of frustration and delays. I keep $ XXXX on deposit with Wells Fargo but after the way I was treated I will be closing all my accounts. I called the XXXX  XXXX and all I was told was sorry for my inconvenience. How many other clients are they holding their funds XXXX XXXXm and given the run around. this is unacceptable that I was denied access to the funds in my checking account. You can check the video at the office the entXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  came into the office, they could have helped they did not want to and they did not want to allow me to use my funds.
Product: Checking or savings account

i deposited a check in to my Chase account for {$21000.00} on XX/XX/XXXX, XXXX the check was from XXXX XXXX XXXX . the amount showed up in my Chase account and the value date is 2 business days. After, Chase decided to put a hold on the check and when i called several times to ask why, they had no answer for the next 11 days. i saw that the amount was already withdrawn from the XXXX XXXX XXXX Account the same day as my depositing the check. No explanation from Chase Bank as to why the hold in the first place. and after 11 days of me asking the same question over and over again, i got nowhere. Only after complaining to the executive office of the customer service, that someone called and told me the hold is off. after 11 days from depositing, with no explanation other than telling me the funds are available NOW, the XXXX of XXXX. I also asked them as to why the Hold? and no explanation. I also asked to have some sort of a paper stating when exactly the actual funds were available, they said they can not provide anything like that and that the funds are in my account off of hold as of today, XX/XX/XXXX, XXXX i would like to know why they put a hold on my deposited check? i would like to know why the funds were not available in my account for my use for 11 days? Knowing that the check amount was cleared from XXXX XXXX XXXX. And what do i do if this happens again, as it has previously.The company never provided me the date of when the money came in and why it was being held, the company also open a case on XX/XX/XXXX.
Product: Mortgage

I have made quite a few phone calls to this company in regards to the unapplied account - an account used to hold money. They claim that full payment must be made- {$670.00} per month is the normal mortgage payment by the due date of the XXXX of each month. Since I filed last file XX/XX/23 and that was closed it seems that they never right sided the account. Payments of {$680.00} go to them and are recorded on the XXXX of every month if not before, followed by weekly payments of {$50.00} that, like all monies in excess, are to go to the principle of the mortgage. The paperwork for the money paid from my bank and statements will be included.
Product: Money transfer, virtual currency, or money service

I called citibank several times to get an update on XXXX wire transfers that were fraudulently sent from my account. A scammer got a hold of my citibank information and had completely wiped my account. I called XXXX wire transfer department 6 times to get a hold of a supervisor to get a update on my account because a case was opened and I had filed a police report with my local sheriff 's department and also with the FBI. On XX/XX/2021 XXXX wires were sent in the amount of {$1500.00} and another for {$1900.00}. I disputed them and told them I did not give my password or ID to the scammer to get my information. They sent XXXX wires to a XXXX XXXX XXXX bank account. I tried several times to call with long wait times of over an hour long, then it would tell me the department was close and to call back and it would hang up on me. The department was open until XXXX XXXX XXXX so it was a XXXX hour difference for me but I always called in the morning and early afternoon to ensure I could get a hold of them. This is my last resort. I am incredibly angry and frustrated with this bank who has been nothing but a pain. I called citibank several times and XXXX person even refused to get me a supervisor when I asked. I have been banking with them for several years and this is how I am treated. The service of citibank has gotten very bad that it is forcing me to leave citibank and seek out another bank. 

On XX/XX/2021 I went to a local branch and I was forced to open another new account with citibank since this one was compromised. but then I had to close it because the citibank branch was demanding a utility bill such as a water and sewage bill or an electric bill to verify an address. I don't use my home address do to mail issues at my home either with wrong mail coming to my home or someone stealing it. So I usually use a XXXX XXXX and they stated I can't use it to verify. So I stated all I have is a cable bill that has both addresses on it. They stated that it was not sufficient and could not use it cause it was not on their " list '' of approved documents. So I was told that my new account would be blocked by the end of the day due to not having a document from their approved list. I was so angry and was forced to go back to the bank and withdraw them money and close my new account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all accounts is XXXX percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXXXXXX 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

XXXX XXXX XXXXXXXX ( This is not accurate. please remove this inaccuracy from my report ). 
XX/XX/2019 Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was misappropriated by someone I didn't know, and many overdue bills were recorded on my credit report, resulting in a negative credit report for me. 
The creditor and collection agencies, instead of showing me the original data package when the bill was created, only showed me the debt bill in the person 's name. 
I sent a statement to the creditor 's rights company and the debt collection company to investigate, but it was not resolved. The creditor 's rights company continued to accept the business handled by the embezzler, and the overdue result was recorded in my credit report.