23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear, CFPB I am writing to formally complain about the fraudulent reporting of an account on my XXXX credit report by WILLRUSH Upon reviewing my credit report, I discovered that WILLRUSH has inaccurately listed an account that does not belong to me. This erroneous reporting not only tarnishes my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Pursuant to 18 USC 8, I assert that I do not owe any debt to WILLRUSH or any affiliated entity. Therefore, the inclusion of this account on my credit report is not only unjust but also illegal under federal law. I demand immediate removal of this inaccurate information from my credit report to rectify the damage caused to my creditworthiness and reputation. 

Furthermore, it has come to my attention that WILLRUSH is not licensed and bonded in my state to collect debts. This raises serious concerns about the legitimacy of their operations and their compliance with state regulations. As such, I question the validity of their claim and request proof of authorization to collect debts in my jurisdiction. 

I expect prompt action to rectify this matter and restore the accuracy and integrity of my credit report. Failure to do so will result in further escalation of this issue to the appropriate regulatory authorities and legal entities. I urge you to take this matter seriously and address it with the urgency and attention it requires. 

Please acknowledge receipt of this complaint and provide a timeline for resolution. I can be reached at my contact information listed below to discuss this matter further. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX
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 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 Regulation E. These actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations.
Product: Debt collection

The collections agency is called Midwest recovery systems. I have never gotten any documentation from this collections agency, nor could they tell me what the debt was for or where it was from. I have no idea who they are, and they have. Even constantly flagging my account. I have never received an email from them, or any letters or phone calls.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Dear Sir/Madam, I am writing to you to dispute several items on my credit report that were verified by XXXX. On XX/XX/2023, I requested evidence detailing how the information was verified via certified mail Track # XXXX XXXX XXXX XXXX XXXX XXXX. Despite the passage of 38 days since my initial request, I have not received any response or evidence regarding the verification process. 

The disputed accounts are as follows : XXXX XXXX BALANCE : {$13000.00} STATUS : CLOSED ACCOUNT # XXXX XXXX XXXX Balance : {$53000.00} Status : Closed Account # : XXXX XXXX XXXX XXXX : {$13000.00} Status : Closed Account # : XXXX XXXX XXXX XXXX Balance : {$37000.00} Status : Closed Account # : XXXX XXXX XXXX  XXXX Balance XXXX {$12000.00} Status : Closed Account # : XXXX XXXX XXXX Balance : {$0.00} Status : Transferred Account # : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Status : Closed Account # : XXXXXXXX XXXX XXXXXXXX BALANCE : {$0.00} STATUS : OPEN ACCOUNT # XXXX I request that XXXX provides me with documentation detailing how each of these items was verified. This documentation should include the method of verification, the date of verification, and any correspondence exchanged with the creditors or data furnishers. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to request this information and to ensure the accuracy of the items on my credit report. Failure to provide this information within a reasonable time frame will necessitate further action on my part, which may include seeking legal counsel.

Please treat this matter with urgency and provide the requested documentation at your earliest convenience. You can send the documentation to the address listed above. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely,
Product: Mortgage

I had four mortgages on my property that were consolidated into XXXX XXXX XXXX My mortgage was paid off in XXXX. On XX/XX/XXXX a Discharge of Mortgage was recorded, however my attorney and my title company both state that the Discharge recites and clears Mortgages 2-5, but does not properly recite Mortgage # 1. 

Mortgages 1-4 were consolidated into Mortgage # 5 ... So the fact that the Discharge of Mortgage recently recorded only cites Mortgages 2-4 is a problem. 

The title report was provided to the servicer with instructions to let us review there work before sending it for recording, but they sent it for recording anyway, thus ignoring our request to let us review the draft version beforehand. 

If the servicer would communicate with my title company and/or attorney, they can provide the review so that the Discharge is correct and complete now. 

This problem and confusion has been going on since XXXX of XXXX, and the law states that the lender is required to record the Discharge within thirty days. So in this case, it has been more than a year, and the servicer/lender is breaking the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account disputed several times over the past 6 years. Contacted collection agency and original credit account holder. The account has never been verified as mine and may be a case of fraud. Previously removed from all three credit bureaus. Now re appears under another name as if account opens in XXXX. Call collection agency and agency stated account originally opened in XXXX. I have no knowledge of this account. I would like help having this item removed from my account. This is fraudulent.
Product: Mortgage

I feel I was forced into taking this Interest Only Loan that has a First Mortgage and a 2nd Mortgage lien on my property. I am older and have now been paying on these TWO loans for 10 years interest only and have NO principal pay down on my loan. I've worked so very hard to keep up the payments each month and have for XXXX  years on two loans. Due to this stress and constance work schedule I am now terminally ill, unless I receive a XXXX XXXX. My insurance and XXXX require that I go with a XXXX XXXX XXXX in Texas. I tried to get a transplant in XXXX XXXX, closer to my home, which is in XXXX, Nevada. But my insurance company would not approve the expense in that area. So I was given no choice but to move to Texas. The move an expense of the move cost me literally thousands upon thousands of dollars now. My moving truck with all my items was robbed and all my valuables were stolen. The move itself cost over {$XXXX} dollars. I am working with my XXXX in XXXX, Nevada to Short Sale my home. We have a good offer and it is nearly enough to pay off both the 2nd and the first mortgage. Although, XXXX XXXX will not provide me a moving expense credit on the Short Sale. I know the loan that was sold to me at the time I purchased my home is now considered a predatory loan and with my payments at total of {$XXXX} for both loan & are with the same Lender ( see attached Mtg Stmnts ), I have now over a XXXX year period paid them an estimated {$XXXX0}, XXXX. I know my XXXX has been getting the run around by this Lender and mainly the Investor! I do not wish to take this to court proceedings, I am trying to work with them due to my health condition and are trying to not get upset. Although, the unfairness of denying my relocation expense of {$XXXX} is going XXXX XXXX me to seek an attorneys assistance. But I was told by my XXXX XXXX Might be able to help. I am asking you help me close on this Short Sale as soon as possible please with obtaining a {$XXXX} XXXX Assistance. I am attaching the HUD XXXX showing the request for the funds and how much the Bank/Investor will be gaining with the sale. Please help me for I need assistance and need this all to be put behind me so I can move forward, regain my health and live peacefully.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/ 2021 I noticed unauthorized items on my credit report. I contacted all three credit reporting agencies who have not been able to assist in removing the negative items being reported without permissible purpose. ( 15 USC 1681b ) They are furnishing information which were not initiated by me, hence reporting false information ( 15 USC 1681b ( c ) ( 1 ) ( a ) ( b ) ( 1 ) ( 3 ) have not given any written instruction to anyone to put on my consumer report. 
My right to privacy is being ignored by XXXX, XXXX, Transunion and creditors. 

These false consumer reports has affected me adversely and I feel as if my character is being defamed.
Product: Vehicle loan or lease

XX/XX/2020 - Infiniti insisted that they HAD to run my credit for a loan through them even though I told them I had a loan from my credit union which resulted in many hard inquiries hitting my credit report. 
My son bought a car and so did I from XXXX XXXX, and for EACH purchase we already had a loan from our credit union and we both told them we DID NOT want or need financing. They insisted that they run our credit because they had to because its a law or a rule with their company. My loan was three years ago, and I was not happy but I let it go. My son who is only XXXX just received seven loan denial letters from various loan companies which were hard inquiries that hit his credit. We knew he would not receive credit because hes not been at his job long enough nor does he have any credit history. They ran his credit against his wishes and now his credit is worse because of this deceitful practice. While I love Infiniti, I am not happy at all with this credit game they play by insisting that that they have to run your credit. Its almost like a punishment for you getting your own loan and not using them. Very deceitful!
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. 

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 XXXXXXXX, 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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I paid off a lease in the amount of {$3000.00} on XX/XX/22 from Kornerstone credit. It hasnt showed up on my credit report yet.I 've been contacting them since XXXX of XXXX, they haven't resolved this issue.
Product: Student loan

To Whom It May Concern, Please refer to complaint XXXX and complaint XXXX for previous information. I am writing to you to follow up on Fed Loan Servicing 's current response on why they are unfairly trying to change the terms of my student loan because I filled out an application. Let me be clear in saying that I did not understand the forms in which I signed. I have very XXXX XXXX  even with my glasses when it comes to small print, and the print was very small, difficult to see, and hard to read. This fact seems to be dismissed and overlooked. I have stated this many times. I have already sent you my current XXXX  prescription through Congressman XXXX ' office. Also I continue to get the same information/ suggestion about TEPSLF when I clearly stated that I am NOT in any position to do income driven repayment. I am raising XXXX small children and taking care of a sick elderly relative. I am the main source of income for my family and can not afford extremely high monthly payments that could increase over time. 
I contacted XXXX directly when this dispute first occurred. I asked them to send me the repayment terms of my loan. I received paperwork from XXXX. Included in what I received was original paperwork from American Education Services, Direct Loans, and a promissory note from XXXX. Fed Loan Servicing seems to have something different. Included in their response was a document from XXXX saying that XXXX had updated the payment schedule. I have never seen this document prior to Fed Loan Servicing 's response through the CFPB. What I found interesting about the document is that the payment continues to be the same at {$200.00}, but the term was extended XXXX. Even if this document is true XXXX is not XXXX which is the amount of time Fed Loan Servicing is trying to extend my payoff date. I am not paying this loan five extra years at almost XXXX years old on a fixed income. I graduated in XXXX. Fed Loan Servicing continues to say that my loan can not be returned to XXXX, but they have done it for other people in similar circumstances. I was denied loan forgiveness and in the end they would have forgiven XXXX dollars which is absurd. This program is unethical and misleading to the American Public. It defeats what it is set out to do. I am not threatened by Fed Loan reporting delinquent payments to the credit bureau. I am not purchasing a new car or a new house, or looking to get credit cards anytime soon. I work, pay my bills, and have always paid my student loan for many years. I am hard working and extremely responsible. I have been a XXXX XXXX XXXX  in a poverty stricken community for XXXX   years. I am a person of principle, and I will not be bullied by a company who clearly is unjust. I want this loan returned to XXXX under the original terms I had with them, and should not be in this situation because I filled out an application.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau report inaccurate and unauthorized accounts and inquiries on my consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one account on my credit report that i have disputed and been deleted twice. Now it shows to be back on my credit report. 
1. XXXX XXXX {$54.00}
Product: Money transfer, virtual currency, or money service

Good day I'm XXXX XXXX XXXX and I have an account to PayPal.com using email : XXXX. I have a balance there it's XXXX XXXX and they just got limited my account I contact their costumer service also multiple of time and providing all my documents and I told that I need that money for my mom 's funeral they said they will gon na fix and all I also send my documents to their resolution center but they just shut down my account and permanently limited my account and can't access my money anymore until 180 was ended it was so unfair their locking my account it's not even their own money it's for my mom 's funeral and Im sure there's no reason to get my account to permanently closed I already submitted all the info that they were asking it was so unfair they are locking my mom 's money for her funeral they don't even consider my situation they just email me a random email saying .You can no longer do business with PayPal XXXX Ref ID - XXXX ) I hope you can help me out I badly need that money thank you so much godbless
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found two inquiries on my report that I reported should not be on my file. 
XXXX. XXXX XXXX  - XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX XX/XX/2021 2021
Product: Checking or savings account

Back in the XX/XX/XXXX, my mother and I went to the US Bank branch in XXXX, Ohio to add a beneficiary to the account. That's all we inquired about and then signed up for what we needed. Then in XX/XX/XXXX, a mobile transfer credit was not authorized from savings to checking between these accounts after checking the statements online. We immediately went to the branch to close both accounts and start again due to fraud activity with fresh new accounts believing these old accounts were closed. After 6 months, we received only one bill from US Bank for the closed checking account in the amount of {$170.00} without any regard as to what it was for or an itemized summary of the charges. After calling the number listed on the bill and getting no answers as to what equates this charge, we find only the amount is now {$170.00} on a Reserve Line of Credit and should go to the branch. We immediately went to the bank branch on XXXX XXXX in XXXX, Ohio, to figure this out. Mind you, my mother and I have been getting strange calls claiming to be US Bank, calling back to be asked for our account numbers (? ), social security numbers or just to simply to call back and just leave a message. ( We did not divulge any personal information. ) I left a message about two weeks ago from the US Bank Fraud Department XXXX ( name and number only ) and have not heard back since. Mind you, the branch could not verify this number originally ONLY after my second visit in XXXX regarding this Reserve Line of Credit. Nonetheless, the branch informed us apparently, the old account was not closed AND a Reserve Line of Credit was added to the closed checking account without our knowledge. The branch could not give us an itemized summary of these charges. After coming home, hunting and pecking with rude US Bank customer service regarding this charge, this bank, for example, added a deposit on XX/XX/XXXX, in the amount of {$50.00} via the Reserve Line of Credit as well as numerous late fees since the close of the account we knew nothing about totaling {$170.00}. Again, on a CLOSED checking account? I also received a strange letter on XX/XX/XXXX, informing us the old checking account needed to be closed by XX/XX/XXXX? In summary, there was no reason to even sign up for this so called Reserve Line of Credit when originally we were merely adding a secondary name to the account in XX/XX/XXXX and just merely opened fresh new accounts in XX/XX/XXXX due compromised accounts. Furthermore, we were told the old checking and savings account were closed due to fraud activity as of XX/XX/XXXX the minute we opened new accounts. It has been noted that there have been fines for this bank illegally exploiting personal data while opening sham accounts like Reserve Lines of Credit for unsuspecting customers and we are one of them causing us undue grief.
Product: Mortgage

I obtained a mortgage with Ameris Bank on XX/XX/XXXX. Since then, my monthly statements do not provide me sufficient information regarding my mortgage that is outlined in Regulation Z. The statement does not provide my outstanding balance, activity since last statement, escrow information, and escrow activity. I contacted Ameris on XX/XX/XXXX, and will be receiving a loan history. I was informed that, basically, my loan will be sold and they do comprehensive statements. I have no idea if this bank falls under a small servicer exemption but hope I can start obtaining more comprehensive statements going forward. I do not want to call the bank monthly to get my balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX account number XXXX, has violated my rights. 

In Accordance with the fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the fair Credit Reporting act XXXX  account XXXX XXXX XXXX, has violated my rights. 

In Accordance with the fair Credit Reporting act XXXX accountXXXX  XXXX XXXX, has violated my rights. 

In Accordance with the fair Credit Reporting act XXXX  account emergency XXXX XXXX, has violated my rights. 
In Accordance with the fair Credit Reporting act XXXX  account XXXX XXXX XXXXXXXX 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 connot furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts are XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. Along with a plethora of fraudulent credit inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Unauthorized Credit Inquiry I recently received a copy of my three credit reports from XXXX, Transunion and XXXX. The credit report showed a credit inquiry by XXXX XXXX XXXX XXXX that I do not recall authorizing. I understand that they are not allowed to put an inquiry on my file unless I have authorized it. I contacted the bank by phone to close my secured credit card account but by no means should they have run a credit check just to close my secured credit card account. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail to XXXX XXXX because I need their prompt response to this issue but I have not received any responses. Please be so kind to have this unauthorized inquiry removed. I am closing all my accounts with the bank next month ( XX/XX/2018 ) and will no longer be doing business with them. I am going to file a police report for identity theft as well.
Product: Vehicle loan or lease

I was alarmed once I reviewed my XXXX, XXXX and XXXX   credit reports and found that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/2016, XX/XX/2016 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time.