23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Rushmore Loan Management Service is aggressively attempting to foreclose on my home. I was diagnosed with XXXX XXXX XXXX XXXX on XX/XX/XXXX. I informed Rushmore Loan Management Service of my medical issues and that my income would be reduced because of treatment and hospital stays necessary to keep me healthy until I can find a XXXX  XXXX. Rushmore Loan Management Service has not provided me with any assistance, in fact, they have been relentless in moving forward with foreclosing on my home. My health has continued to decline because of the stress of the foreclosure. In order to relieve the pressure of this I decided to sell my home. I received a ratified purchase contract and because of this, Rushmore Loan Management Service suspended the foreclosure sale scheduled for XX/XX/XXXX. The sale of my home was scheduled to take place on XX/XX/XXXX. Rushmore Loan Management Service upon canceling the XX/XX/XXXX sale immediately placed another sale date on record for XX/XX/XXXX. Once again, providing stress and pressure to an already heartbreaking situation. The purchase contract allowed for a 15-day extension, which the purchaser exercised. Rushmore Loan Management Service was made aware of the 15-day extension which was provided in the initial agreement; however, Rushmore Loan Management Service has denied removal or postponing the XX/XX/XXXX, sale date. They continue to use pressure and underhanded tactics to foreclose on my home. Their actions are borderline criminal or certainly could fall under the Dual-Tracking law. I also sent a Qualified Written Response in regard to my loan with Rushmore Loan Management Service. Please help me.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports :
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 XXXX XXXX XXXX. 
Account name : XXXXXXXX XXXX account # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX account # XXXX, has violated my rights.XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no, consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed a debt collection on my credit report regarding an account I have never opened nor have any knowledge of. I have requested written verification or any type of verification and have not received any response. When disputed, after a brief investigation, they simply responded that the debt was mine. As this is clearly not my debt coupled with the refusal to provide any documentation I demand this be removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first XXXX 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 an alleged fraud or extortion. 
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 XXXXXXXX XXXX XXXX Balance : - XXXX XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX Balance : - XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX
Product: Debt collection

Please review my report. I notice the creditors are not cooperating with the request I need for my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Records Partial Deed of Trust of XXXX XXXX XXXX XXXX XXXX, MO XXXX stamped by notary does not contain my " wet ' signature of valid proof this Partial Deed is valid and agreed upon by me. I requested the deed be removed before the closing sale of the said property and it was not removed, nor proved valid of funds owed by me. I requested my funds reimbursed and credit reports corrected. 

Defamation Negligent Enablement if Identity Fraud and document reporting Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 and 28 U.S.C.

Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) A Notary Public is a state public officer appointed and commissioned by the Governor whose function is to : administer oaths, take acknowledgments of deeds and other instruments, attest to or certify photocopies of certain documents, and perform other duties specified by law. 

Responsibility of a notary provides for authentication in lieu of notarization in 28 U.S.C. ... That section provides that to meet any notarization requirement under federal law or practice, an unsworn declaration under penalties of perjury is sufficient.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each time I have logged into my Experian account, I am greeted with a message that I am enrolled in a program called ExperianWorks and I never recall enrolling in such a program. There was no option to disenroll from this program, it was as if it was forced upon me. I tried several times to disenroll myself from this program but wasnt ' able to. Now, Experian has charged me XXXX for enrollment in this program that wasn't by my own volition and is preventing me from accessing my credit report and credit account until I have paid this charge. I feel that this is outright extortion by Experian for I have never enrolled in this program by my own volition. I have only used this credit card which they have stored as a payment for a single purchase of a credit report and Experian took that card and automatically enrolled me in a program which I do not desire to be enrolled in. I have attached the image that I am greeted with when I attempt to login to Experian to obtain my credit report and credit file. I am not allowed to access my credit report because they require me to make this payment for enrolled in a program I do not desire to be in, and have prevented me from disenrolling. 'thanks.
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 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2021 Balance : {$26000.00}
Product: Credit reporting or other personal consumer reports

I am reaching out to formally dispute the inaccurate inclusion of a bankruptcy on my credit report. I have obtained an official letter from the court that clearly states this bankruptcy should not be reported to your agency. Despite this, it still appears on my credit file, which is both misleading and unjust. The presence of this erroneous record is causing unnecessary harm to my credit standing and must be corrected immediately. 

Moreover, I have reason to believe that an unauthorized third party is involved in this matter, further complicating the situation. The involvement of an unknown entity raises serious concerns about the accuracy and security of my personal financial information. It is unacceptable that such an error has been allowed to persist, and I urge you to take immediate action to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX & XXXX account XXXX XXXX, XXXX & XXXX account XXXX XXXX, XXXX XXXX account number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Date : XXXX/XXXX/2022, XX/XX/2022 Amount : {$3200.00} Sent two disputes and no response from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PREVIOUSLY HAD A LOAN WITH XXXX XXXX XXXX FOR A XXXX XXXX. THE CAR WAS REPOSSESSED IN XX/XX/XXXX. I NEVER RECEIVED ANY NOTIFICATION OF THE CAR BEING SOLD ; NOR WERE I ABLE TO RETRIEVE ANY OF MY PERSONAL BELONGNGS THAT WERE IN THE CAR FOR MY XXXX KIDS AND I. I RECENTLY CINTACTED FIRST INVESTORS ; THEY STATED THAT THEY WROTE OFF THE LOAN ON THEIR TAXES AND SOLD THE DEBT TO " AUTO VESTS ''. WHEN I CONTACTED AUTO VEST ON XX/XX/XXXX FOR DOCUMENTATIONS AS OF HOW MUCH THE VEHICLE WAS SOLD FOR. THEY STATED THAT THEY DID N'T HAVE TO DISCLOSE ANYTHING TO ME. TODAY " XX/XX/XXXX'' ; XXXX XXXX XXXX XXXX. CHECKED MY CREDIT ; WHICH I DID NOT AUTHORIZE. I CONTACTED THIS AGENCY TO LEARN THAT IT IS " AUTOVEST ''. I WAS TOLD THAT THEY DO N'T HAVE TO GET MY PERMISSION TO RUN MY CREDIT, AND THAT THEY ARE GOING TO SUE ME. YET, THEY REFUSE TO VERIFY THE DEBT ; I HAVE SENT EMAILS, AND CALLED SEVERAL TIMES TO NO AVAIL. THEY ARE ILLEGALLY RUNNING MY CREDIT INFO, AND FIRST INVESTORS REFUSE TO REMOVE THE DEBT BEING THAT THEY SOLD IT TO THIS COMPANY.
Product: Checking or savings account

ON XX/XX/2023 I MADE A MOBLE DEPOSIT OF A CERTIFIED CHECK FROM XXXX  XXXX XXXX, INTO MY BUSINESS ACCOUNT AT WELLS FARGO BANK, THIS ACCOUNT I HAVE HAD FOR YEARS. WAS TOLD THE FUNDS WOULD BE AVAILABLE ON XX/XX/2023, ONLY TO FIND OUT THEY ARE KNOW PUTTING A 10 DAY HOLD. I WAS TOLD THE MAKER OF THE CHECK REFUSED THE CHECK, SO I WENT TO XXXX  XXXX XXXX ASKED AND WAS TOLD THE FUNDS WERE RELEASED ON XX/XX/2023. THEY GAVE ME PROOF THE FUNDS WERE RELEASED, SO I WENT BACK TO WELLS FARGO AND WAS TOLD ONCE THE HOLD HAS BEEN PLACED THEY COULD'NT DO ANYTHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account shows that i was late 40 times XXXX days and 2 times XXXX days. This information is incorrect. The account was charged off few years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX  Account XXXX, XXXX XXXX XXXX Account numberXXXXXXXX XXXX  Account number:XXXX XXXX XXXX  Account XXXX, XXXXXXXX XXXX Account numberXXXXXXXX XXXX XXXX  Account number : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of fraudulent inquiries from my credit report. Upon reviewing my credit report, I have discovered inquiries from creditors that I have no association with and believe to be fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent in a letter to requesting Advance Resolution Services ( ARS ) to verify a Bankruptcy they are reporting on my credit report. On XX/XX/2023, I was notified of the results into this investigation. The investigation concluded by stating the bankruptcy was properly associated with me and cited its information came from The United States Bankruptcy Court Middle District of Georgia. The same United States Bankruptcy Court Middle District of Georgia also verified they don't furnish any information to any credit bureaus. For Advanced Resolution Services ( ARS ), a credit reporting agency, to verify information contradicting signed documentation from the United States Bankruptcy Court Middle District of Georgia for it's own financial agenda is a complete violation of my rights. I intend on holding ARS liable for any undue hardships received on my behalf.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 27. financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Someone came to our house on XX/XX/2024 @ XXXX XXXX He was flashing his flashlight XXXX looking around. We didn't know who he was so we didn't answer the door. He came back XX/XX/2024 at XXXX XXXX. My dog was going crazy so I asked who he was. He said he had papers and I told him I'm not opening my door. I told him I'm going to call the police if he doesn't leave. He said he had papers for XXXX XXXX. I asked him to leave again and told him I will call the police. He pretended he was the police but left the property but took pictures of my home. The police was also called and I was told if he comes back we can do a trespass warrant but he had to be there to do it and was told we don't have to answer or door. The guy also said we didn't have to sign the papers which was a lie in attempt to get us to open our door. The lawsuit came from a place called Javitch Block LLC and the phone # is XXXX XXXX XXXX. They will not answer their phone and I felt threatened in my own home by the person they sent out.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible if the account number on my Experian, XXXX, and XXXX credit reports this account is inaccurate. This was properly investigated and shouldnt have came back verified and accurate. 

That is false information they are telling me. Account listed below : Experian has it 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 XXXXXXXX XXXX however has an account number listed for me that doesnt match up however this needs to be removed asap from my credit. The ground for removal has also violated my rights under : 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 US.C : 1681 Section 604 A Section 2. 

It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX however has an account number listed for me that doesnt match up however this needs to be removed asap from my credit
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX I have my cousin XXXX XXXX went to vystar was try to get a bank account because hes not XXXX they didnt want to open the account for him he came to me and asked me if I can put him on my account I vent to vystar with him I added him on my account he took four fake checks from someone and deposited on my account. Each checks are XXXX each and they had his name on them. When Im trying to get in touch with him to return the money he cut communication with me and he ran away. Im seeking for help because I dont want vystar to report fraud on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix 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  Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting XXXX XXXX as an open account with a balance account is closed. 
Reporting XXXX as an open account/closed account with a balance. 
Reporting XXXX as an open account/closed account with a balance. 
Reporting XXXX XXXXXXXX XXXX as a open/closed account with a balance. 
Transunion File # XXXX
Product: Consumer Loan

Americredit, also known as GM Financial, denied me credit. That 's fine ; I got credit elsewhere. But they wo n't tell me why. XXXX I have gotten a pathetic non-responsive response : " Outside of credit program parameters. Credit not granted under the specific terms and conditions and/or conditions originally requested. " As far as I can tell, this denial is totally non-responsive, and does not meet the CPFB requirements.
Product: Mortgage

All documents for the short sale review were sent on XX/XX/20 to Shellpoint Mortgage Servicing and they confirmed on XX/XX/20 that they received them. Then on XX/XX/20, the point of contact ( XXXX XXXX ) confirmed that an appraisal has been ordered on XX/XX/20. On XX/XX/20 I spoke to the appraiser XXXX XXXX and he confirmed that the appraisal was conducted on XX/XX/XXXX and it was uploaded to the VA system on XX/XX/XXXX. The appraiser said that he spoke to the seller and was able to gain access to the property. So I asked the point of contact ( XXXX XXXX ) from Shellpoint Mortgage Servicing if the appraisal has returned and he said on XX/XX/20 that they are waiting for the appraisal report to be completed and uploaded on their end and to allow a few more business days. The point of contact ( XXXX XXXX ) rarely responds to our inquiry and he always, always responds after business hours. I can't even get an update by calling Shellpoint Mortgage Servicing because they will just refer us to the point of contact ( XXXX XXXX ) for updates. We can't imagine that the process for an appraisal can take almost a month to be complete. We are greatly concerned because we don't want the buyer to walk away because of this delay.