23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Wilshire Consumer Credit is reporting a Redeemed repossession and Redeemed or reinstated repossession in the comment section ( s ) on both my XXXX and XXXX credit reports. The repossession took place in XX/XX/XXXX. The comment should be removed since its been more than XXXX  years since my initial late payment that lead to the repossession per 15 U.S. Code 1679c - and FCRA 605 ( a ) ( 5 ).

This comment is still having an adverse impact on my XXXX and XXXX credit reports affecting my score. 

I submitted a dispute with both XXXX and XXXX on XX/XX/XXXX, after obtaining my payment history ( attached ) from Wilshire Consumer Credit which clearly outlined the dates of the repossession. Neither credit bureaus have removed the comment despite providing them with proof that the repossession occurred more than XXXX  years ago now. Instead, they just changed the name of the original creditor.
Product: Mortgage

I filed a complaint previously on United Wholesale Mortgage for the erroneous filing and collection of property taxes against my mortgage. They have not rectified their error and are continuing to secure escrow reimbursement by doubling my mortgage payment for more than 3 months ongoing. I have uploaded receipts that the taxes were paid by me on XX/XX/2021 to their website in XXXX. They charged my mortgage escrow property taxes for 9 other additional properties I own including one I do not own. A refiled legal description removed the additional 9 parcels however I have not received credit for the property taxes i paid personally nor a refund for the taxes paid out of my escrow account for a home I do not own that I am being billed for by them. There also has not been a credit to my escrow account for the refund that was issued by the county auditor for the taxes they erroneously paid. They are continuing to collect additional monies from me by doubling my mortgage payment to reimburse the escrow shortage issues. I have been charged and paid out over {$14000.00} as a result of their error over the past 4 months of finding this error. They said that the issue has been noted and that I would receive a revised escrow as of XXXX. Current online information shows no change nor credit to my escrow and that my due mortgage amount remains at the inflated amount.
Product: Debt collection

I don't owe them anything ; I keep getting emails from these people from time to time. I never get any calls. etc. but every now and then I get these crazy emails and it needs to stop. Again, I never took a pay day loan from them. 
XXXX Re : ARREST WARRANT ISSUED_REFERENCE-CASE FILE NUMBER : XXXX XX/XX/XXXX at XXXX XXXX PrintRaw message Ms XXXX To : ACE CASH EXPRESS XXXX okay, I'm forwarding this email over to FCC, other government officials and the internet crime center, etc. I already contacted the attorney general office for my state, the state police as well as the local police. 

On Tuesday, XX/XX/2020, XXXX XXXX  EDT, ACE CASH EXPRESS XXXX wrote : ARREST WARRANT ISSUED CASE FILE DOWNLOADED LAWSUIT COST - {$2500.00} ( INCLUDING ATTORNEY FEE/COURT FEE/ALL TAXES ) LAST DATE TO FILE LAWSUIT TODAY SETTLEMENT AMOUNT- {$300.00} ( ONE TIME PAYMENT ) This is in reference to your Case File Number # XXXX with ACS ( ACE CASH SERVICES ) in order to notify you that after sending several emails and making calls to you on your phone number, we were not able to get hold of you. So the IC3 ( Internet Crime Complaint Center ) has decided to mark this case as a flat refusal and press charges against you. 



Your account with XXXX is in Final Collections. According to our records, your outstanding balance was {$690.00} It may be possible that you may have some financial hardship with you. 

So, we are just giving you a last chance that if you just make a payment of {$300.00} by today then we will close this account as paid in full with XXXX balance. 



We do hope that you will work out with this offer. 

Or, else we won't be able to help you out. 



Do revert back if you want to get rid of these legal consequences and want to make payments within the next 48 hours or else the case will be downloaded against you. 



The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 



You can avoid this by taking care of this now. 



It is quick and easy : Do reply us right now and provide us the date on which you can make the payment. 



If you do not take immediate action : We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer regarding this and if you are found guilty under the bench of jury then you have to bear a law suit which will be amounting to {$4500.00} and will be totally levied upon you and that would be excluding your bail charges, your attorney charges and the due amount pending on your name {$690.00}. 



Thanks for being our customer, Best Regards, XXXX XXXX Customer Service Manager, ACS United States
Product: Mortgage

Bank of America is attempting to foreclose on a property. The TILA Agreement was never presented. Only the HUD Settlement Form. I requested the Title Company XXXX XXXX to send all of my documents which I signed at closing and there is no TILA Agreement. Furthermore, the Entity in which the Note and Deed of Trust are assigned to is America 's Wholesale Lender " A Corporation '' which did not exist under XXXX Law and does not exist under XXXX Law. XXXX Trustee and Bank of America are initiating a Foreclosure set for XXXX XXXX, XXXX and America 's Wholesale Lender never responded to a Qualified Written Request. The Qualified Written Request to America 's Wholesale Lender was Sent via Certified Mail Return Receipt Requested back in XXXX and never responded nor did Mortgage Electronic Registration Systems which are other parties listed in the Deed of Trust as Lender and Beneficiary. America 's Wholesale Lender A Corporation does not exist as a Corporation Tax Payer in XXXX. Therefore, I would like to have in writing who is the appropriate lender who has standing to foreclose. Otherwise, I would like to take the appropriate action to Rescind the mortgage since XXXX advised in XXXX that they were not the Lender, Owner of the Property or the Loan. Since the Truth and Lending documents were not issued at closing, and I can not contact the Lender for the TILA Agreement with a existing entity, I would like to know who is the true Lender to the note and deed of trust.
Product: Credit card or prepaid card

trouble with Chase Visa CC XX/XX/2019 stmt had chg I thought was not correct. I notified Chase and they took chg off my acct. A few days late I realized chg was correct I mis read XXXX  as XXXX  and I knew I had not purchased anything from XXXX  a clothing store.I notified Chase right away and they put chg back on my acct. In the meantime XXXX sent me a bill for the items I purchased from them. I called Chase and asked what should I do? They said pay XXXX  direct and pay Chase the bal due on the stmt. I wondered if Chase had paid XXXX the amount they put back on my acct. I called XXXX to find out.. they had not recd any pmt from Chase. XXXX had recd my pmt so my bal was XXXX with them Chase refuses to clear my acct of the XXXX chg I paid direct to XXXX  on the direction fo Chase!! I have called Chase several times and sent them copies of the check I paid to XXXX TWICE.Its now XXXX and the chg is dtill on my acct. Can you help????
Product: Mortgage

Rushmore Loan Management, XXXX, XXXX, XXXX XXXX all violated my rights by ignoring my requests to validate the debt. I have repeatedly stated that the amount Due is incorrect. By Law I am supposed to receive an explanation of the debt of the payments received when they were applied and where they were applied. I requested it from all of the servicers and from the Law Firm XXXX XXXX XXXX XXXXXXXX. They foreclosed on my home sold it without ever validating the debt and EVERY SERVICER is guilty of Dual Tracking. 

Rushmore states they did not receive a completed modification packet more than 37 days before the sale so the modification was denied. They received the first packet in XXXX and the second on XX/XX/XXXX. The sale was XX/XX/XXXX that is more than the 37 days allowed by Law. 

I repeatedly requested a payoff, according to my Mortgage documents I have up until 5 days before the sale to pay off the mortgage. Rushmore and their Attorneys ignored this repeated request and mailed the payoff XX/XX/XXXX with a letter stating the payoff was good until XX/XX/XXXX. THEY MAKE NO MENTION OF THIS IN THEIR RESPONSE. 

Along with all their other inaccuracies they have repeatedly stated that I filed bankruptcy and no longer owed this debt THAT IS UNTRUE I never had ANY DEBT discharged in Bankruptcy they should review their records for names and addresses on those papers. 

Rushmore also states that I only made one payment on the trial modifications this is also inaccurate along with the dates they state in their letter ( which is all PROOF of how they have tried to defend what they have done with one inaccuracy after another ) had they provided the debt verification I had requested numerous times they would see that the second payments were made but they were placed in a suspense account causing the modification to be considered in default. 

Rushmore also states that I provide no proof of the inaccuracies in payments when I supplied the only debt validation I have received which was a print out from XXXX showing that they received the payments and placed them in suspense took payments then made general ledger adjustments to debit the payments. Had Rushmore bothered to review any of the information they would see how many times they broke the law. 
I HAVE AGAIN ENCLOSED A COPY OF THE RECORDS RECEIVED FROM XXXX REGARDING PAYMENTS AND CHARGES. How this can be perceived as no proof of payments not being applied is inconceivable. Even the Justice department could see the BLATANT misapplication of payments. 

The Justice department has requested and reviewed more information than Rushmore has to investigate what occured with XXXX XXXX XXXX XXXX and Rushmore. They have questioned the suspense payments and the overpayments yet Rushmore denies them.

Rushmore is currently seeking to evict me with the proof I have of all the laws they have broken that they choose to ignore the eviction would only add more damages to a lawsuit should they not correct the mistakes they have made along with XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

In XXXX of 2024, the account I sponsored for my child was closed due to violating terms and conditions. The notice wasnt specific to what terms were violated. I then tried to withdraw the funds from the account and was not able to due to the account being closed by CashApp. I then called cash app customer service and was told they would open a ticket and escalate it and to wait for a response. 
30 days passed and I received an email saying that the account was closed due to violating terms and conditions and because of that, the account would not be reopened. It gave me the options to try and withdraw the money, but because the account is closed, it would not let me. So I contacted CashApp AGAIN in XXXX to try and get this resolved and their customer service escalated my complaint again. Seems like were going in circles and not getting a solution to being able to withdraw the funds. I made it clear that I did not want to reopen the account. I just wanted the money withdrawn. 
CashApp support even tried to manually transfer the funds on their end and the transaction transfer failed.
Product: Credit card or prepaid card

On XX/XX/XXXX I contacted Apple Goldman Sachs Credit Card company. On the statement they advertise that whenever you make any payment. your credit will be avaliable next day. It does not happen instead it takes them 10 to 15 days to issue credit. 

Please see below false advertising statement. 

How do I make payments? 
You may make electronic payments on your Account through Apple Wallet. 
When will you Credit my Payments? 
We credit electronic payments made by XXXX XXXX. Eastern time on the day the payment is made. 
Do you report my information to credit bureaus? 
We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit bureau report. If you believe that there is an error in the information we have reported about you to a credit bureau, contact us at Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXX, PA XXXX XXXX. Please include a copy of the information you believe is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, account noXXXX is inaccurately reporting on my Equifax credit report.I have disputed this account with Equifax about 10 times.I would like EQUIFAX to obey the FCRA and delete this account from my file.I have attached the report from today 's report and circled the errors, that are " face of the record '' errors.There is no excuse for these errors other than careless reporting and EQUIFAX SHOULD BE HELD ACCOUNTABLE AND BE FINED BY THE CFPB. 
The account shows DOFD XX/XX/2014 when the payment history shows XX/XX/2014. 
The report shows " current status '' as pays 31-60 days when the account was paid and closed over 3.5 years ago.
Product: Credit reporting or other personal consumer reports

Recently i have checked my credit report and have noticed several inaccuracies. This inaccuracy i have noticed is not in accordance to the FCRA XXXX XXXX XXXX XXXX, XXXX. I did not open any account, give permission, or enter into any agreement with the listed XXXX XXXX XXXX, or was the debt a CREDIT TRANSACTION. It is to my understanding that this you will investigate these items for me to ensure accuracy. 

Listed below is the agency in question : ( XXXX ) Account Name : XXXX CO XXXX Account Number : XXXX ( Transunion ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX XXXX XXXX and was financed through global lending services. My son co signed the loan for me. I was told at the time of signing i would be on the loan to rebuild my credit. I recently found out i am not on the loan although my paperwork from the car dealership says so. i need global lending to add me to the loan so it reports me to the credit bureau.
Product: Debt collection

An inaccurate collection report popped up on my credit file, I researched the debt- which is not mine. Could not reach the original creditor for validation. I have filed an FTC report for Identity Theft, and have informed each credit bureau of the discrepancy. This company is refusing to remove the inaccurate account the continues to state over and over that they can not remove or provide me with any requested information such as proof that the account is mine. 

Remove immediately or I will seek legal counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiries listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt or credit management

They told me to send documents in proving that that collection is not mines.And once they receive that they will take it off my credit.It 's been like 3 years.They still has not taken it off my credit.They still keep calling me.They still keep bothering me and nothing has been done
Product: Credit reporting or other personal consumer reports

I have contacted TransUnion previously about the alleged debt showing on my consumer file from XXXX XXXX XXXX XXXX for {$29000.00}. This amount is reporting as a debt and not income. According to FCRA income is not suppose to be reported on my consumer file. I'm enclosing a copy of a letter from XXXX XXXX XXXX XXXX providing proof that a 1099 C was filed and therefore this amount needs to be removed from my consumer file immediately.
Product: Debt collection

hello. 
I had a mortgage of {$310000.00} with XXXX XXXX XXXX XXXX XXXX, a Delaware corporation XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXCA XXXXIn XX/XX/XXXX XXXXwith a PMI. Then my loan was transferred to other loan services.in XXXX it was by XXXX ( i was never told that they are debt collector. ) WHEN I asked for the original NOTE, ( I had a contact with a lawyer that told me my mortgage was paid off. ) they started a foreclosure process.and get to a sheriff Sale. At that point, I had a bad mortgage counselor, that put me in a wrong loan modification to save my home. I make 9 payment of XXXX.i was asking for the original NOTE, in the beginning of XXXX, XXXX, transferred the loan to Mr. COOPER, I CALL my loan specialist from Mr. COOPER more than 6 times, to tell them that my loan was paid off, to investigate the original note. 
they told me each time they are going to investigate and to sent me the proper docs.AS today XX/XX/XXXX, I did not receive from them. 
I have a strong understanding that my loan was paid off. 
as any time I asked for the original NOTE NO one was able to provide any note.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, which has led to fraudulent accounts and unauthorized inquiries appearing on my credit report. Two accounts, " XXXX XXXX XXXX '' and " XXXX  '' were opened without my consent and continue to negatively impact my credit profile. 

Additionally, numerous inquiries were made under my name between XX/XX/year> and XX/XX/year> without my authorization, including inquiries from XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX 

Despite providing an FTC Identity Theft Report and disputing these items with the credit bureaus, they remain unresolved, harming my financial standing and creditworthiness. I demand an immediate investigation, the removal of these fraudulent accounts and inquiries, and an explanation of how these items were verified in compliance with the FCRA.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX 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 38/K financial loss, and I seek appropriate redress ( 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 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: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX XXXX  & XXXX has been reporting unauthorized inquiries and accounts to my report, i have mailed them and called them numerous times to remove them due to it not being permissable or authorized by me to have someone pull my report, i have a lock and freeze for an reason and XXXX, EQUIFAX, XXXX has violated my privacy experian inquires/ ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRES/ ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX XXXXT EQUIFAX INQUIRES / ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

As executor of my brother 's estate I sold a piece of property securing a mortgage from Mechanics Bank. My late brother and a woman not his wife were co-borrowers on the mortgage ; her interest in the property was extinguished by court action in XX/XX/XXXX. ( Documentary proof attached. ) At closing of the sale, the bank insisted 1 ) that I was responsible for $ 14,000-plus in their attorney 's fees, saying that though they had been discharged in the woman 's bankruptcy they were not discharged against me ; and 2 ) that I was responsible for {$11000.00} worth of interest that had accrued as a result of her request for forbearance in XXXX of XXXX, even though I was never made aware of or asked to consent to that request. ( Documentary proof attached. ) The bank 's lawyer argues I was not entitled to such notice because I was not recognized as executor by the state of California. However, I had notified the bank in XX/XX/XXXX of my brother 's death and my appointment as executor by the state of Washington, so it was aware there was someone responsible for the estate ( documentary proof attached ) ; moreover, if the bank 's posture was that there was no one who could act for the estate, it should not have granted forbearance on a loan with which the estate was concerned.
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 has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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.