23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Plaza Mortgage made a mistake and put one mortgage payment toward the principle of the loan instead of XX/XX/XXXX 's payment, as I intended. I called customer service, and they noted their mistake and reversed the principle payment, and put it toward XX/XX/XXXX 's payment. Ever since, we have received 6 letters in the mail saying we are delinquent on the mortgage and are in peril of foreclosure. Let me be clear, we are absolutely current on our loan. I have had to call customer service 3 times to ask them to stop sending collections letters, but they keep coming.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion and used my consumer law that's it illegal & demanded to remove off my credit report and they refuse so now I'm taking this matter to XXXX  & Attorney General. I have 18 unauthorized inquiries listed on my credit report from Transunion
Product: Credit reporting or other personal consumer reports

I called the Experian and spoke with a XXXX but she refused to removed all other addresses that are not my current address. According to the FCDA, all incorrect information must be removed from the credit report.
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 : Account Number XXXX, XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX : Account number : XXXX, XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX. XXXX XXXX XXXX : Account Number : XXXX, XXXX : Account number XXXX, XXXX XXXX : Account XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX : Account XXXX, XXXX XXXXXXXX : Account Number XXXX, XXXX : Account Number 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 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I had sent in payments to clear up the debt but did not receive any notification that the debt was cleared
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I linked my mothers bank to my chime account because she was going to send me XXXX dollars. Her bank sent two deposits as a security measure, one for XXXX cents and the other for XXXX cents, they were both successful. After the security clearance passed, she sent me the XXXX dollars and chime denied the transaction, still confused why, they allegedly returned the money to her account, I was notified that it would take 1-3 business days. Since, Ive spoken with numerous operators and theyve just notified me to wait longer. Today XX/XX/2021, I asked to speak with a supervisor, and he let me know that the money should have been back instantly and that at this point there was nothing I could do. I never gave information about the Chime account to anyone and the small transactions were completed successfully, even returned successfully immediately, but the XXXX dollars disappeared.
Product: Mortgage

We, I am hoping that, the Attorney General 's Office will take a 2nd look at the business landing practice to see if is in line with the state and federal law. 
I applied for a Mortgage loan through my loan, officer XXXX XXXX from Veritas Funding and I was approved for the loan and got through all the process to the closing and while I was waiting for the bank a date that I will be closing on the house. I have got a call from my loan officer stated that, you wo n't be able to buy the house any more. I was in shock and when I asked why because I have done everything they asked of me and signed all the paper from accepting the loan to the appraisal. He said that, the Veritas just did n't want to do business with me anymore, I have tried to contact the company and my loan office, none of them wanted to talk to me, they refused to take my calls and until now I have never heard from Veritas Funding or my loan officer. 
I felt discriminated and I want to State Attorney 's office to investigate of what really happy back then.
Product: Debt collection

I tried disputing several accounts and inquires on my credit report but nothing has been done and I have given my supporting details and documents but due to my inability to properly identify myself or security questions given.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C.1681c-2 ) that you the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of Identity Theft and Fraud, within four business days of you receiving this complaint.This Fraudulent, inaccurate, and false information consist ofXX/XX/XXXXXX/XX/XXXX {$420.00}, XX/XX/XXXXXX/XX/XXXX {$570.00} which in turn led to collections with XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX {$420.00}, XXXX XX/XX/XXXXXXXX these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report.I demand that the aftermentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCA and FDCPA Laws i have already filed an Identity Theft complaint FTC # XXXX as proof from the US FEDERAL TRADE COMMISION that all of the aftermentioned accounts, collections, and hard inquiries are the result of Identity Theft and Fraud.
Product: Checking or savings account

I called XXXX  in order to complete an order for a flight visa, however, I was scammed for {$7900.00}. I gave the company my debit card number with the intension to purchase a travel visa for {$250.00} however, this company was able to hack into my bank account and XXXX themselves for over {$7900.00}. I reported this issue to the bank and they did not recognize it as fraud and will not proceed to any further measures to obtain my funds back. This person with this company hacked into my bank account and made unauthorized transactions. Chase bank has been no help.
Product: Credit reporting or other personal consumer reports

This company constantly reports inaccurate info on my credit report and its hurting my score, my job search and apartment. This company reports different info to each credit Union. XXXX deleted this account, because info was correct and I never was provided the documents to prove this is my account. XXXX and experian is still reporting this account so I want it removed. The only thing the company is saying is that its my account, I didnt receive any of the documents I asked for. Please delete
Product: Mortgage

We have tried multiple times to fix our problem with this company and they have refused us so many times. One the XXXX of XX/XX/XXXX, our house went for auction and we attended. We called Rushmore while the auction was happening to see if we can delay the auction. They refused to do so. They said that it's too late. There was plenty of time to prevent the auction the morning of, but they would not do so. 

But what's unbelievable, the auction was delayed for a couple of hours and then finally postponed for 1 week. How is this possible, when Rushmore said that there was no time anymore? It's too late, they said! 

We called the trustee about the house and said they that should've have known about this earlier. This means that Rushmore is not communicating with the trustee or no one cares on both ends.

We just finished talking to a lawyer who said she is dealing with Rushmore as I write this and she said that Rushmore is one of the worst companies.

Rushmore has XXXX complaints on XXXX. 

There job is to seek and destroy. Not help. 

They took my sister 's six trial payments and did not give us approval on loan modification because of one missed signature. There was already another signature there.

Just because one signature was missing, you do not dismiss the whole package!

After that, they denied us over and over. Why? 

In the court of law, the judge is going to wonder why we were approved for a trial period and then denied? We made all six payments and then denied because of one signature! The judge is going to ask why? This will not make sense to the judge.

Rushmore says I am not a successor-in-interest, but I am on the will.

I want to know why this is happening and why they are not in communication with the trustee. Why did the the trustee say they were not aware of all this?

When we asked Rushmore for the contact information to the trustee, they would NOT give it to us on the day of the auction.

Rushmore needs to be reported to HUD and California legislation. 

I contacted XXXXXXXX XXXX XXXX XXXX XXXX  before the auction and asked for a postponement, but they still have not responded. 


We will be contacting XXXX again. 

My mother worked hard for this house and passed away in XXXX. Now Rushmore is trying to destroy that by taking it away. 

This company needs to be investigated by government officials.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX BANK XXXX. XXXX and XXXX XXXX  XXXX. XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.
Product: Credit card or prepaid card

On XX/XX/2023 someone use my Citi The Home Depot account and make some purchase I did notice and place a claim, without the proper authorization The Home Depot mail to my home address a new replacement card and they did not take the appropriate precaution and mail the replacement card already active, due to that someone went I did three purchase with the following amounts. XX/XX/2023 {$1000.00} XX/XX/2023 {$440.00} and XX/XX/2023 {$250.00} those stores was in the east side of the XXXX XXXX XXXX a store that I had never ever visit to do my purchase, I did claim that those transaction were not my and frauded transaction and they continue saying that I am responsible. They told to send a letter complaining and I did in XX/XX/2023 and still has not receive any response. See letter and all the documentation on which I think is not fair to make me pay for something that I am not responsible in matter fact the credit card arrive in XXXX XXXX XXXX  an those transaction were make a week before. See all documentation that I sent.
Product: Debt collection

Attorney XXXX XXXX XXXX XXXX debt collector for XXXX XXXX is on violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt collection Practice act ( FDCPA ) also Michigan laws of the ( FCRA ) and ( FDCPA ) and consumer protection laws has taken action and suing for a debt they did not verify in time with a valid original ( wet ink ) contract that is written documentation. The XXXX letter is a 609 letter under the ( FCRA ) which requires that the credit agencies investigate and validate all accounts including the alleged owed account from XXXX XXXX from a XXXX ending in XXXX for an amount of {$1000.00}. Attached is the letters sent in for verification to the Credit Bureaus. The debt collector had 30 days from around XX/XX/XXXX and XX/XX/XXXX ( 2019 ) to verify the debt through the dispute process of the ( FCRA ) form all three credit bureaus that are XXXX, XXXX, and XXXX. Instead of verifying they took legal action and decided to sue with insufficient evidence and still reporting this unverified debt which is way past the 30 days which must be removed from all three credit reports and to cease any collection attempts. The collector is committing defamation of character and attempting to collect this expired debt and other applicable laws.
Product: Vehicle loan or lease

I called the bank to find out what was the issue and why I had a balance with my insurance company paid more than the ACV for the vehicle out to SETF
Product: Debt collection

XXXX XXXX XXXX Practices XXXX, XXXX XXXX XXXXXXXX This is not a request for verification or proof of my mailing address, but it request for validation made pursuant To the above name and title section. I have respectfully requested that your office provide me with competent evidence that I have any legal obligation to pay you. 
( I have not supplied proof under the doctrine of XXXX by silence, XXXX v XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt, nor therefore any such debt in fact, therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX XXXX to Validate late payments and tell me which method are they using. They have not Validated any information yet the sent a letter saying your account has been verified. 

I asked to close my account around XXXX or XX/XX/2019. The said if I paid {$500.00} my account would be paid as agreed Closed account on my Credit Report. I paid they {$500.00} and when I checked my Credit Report it says account Settled Less Than Amount Owed. This was a deceptive act. I would have never paid my {$500.00} if I knew this was going to happen. Everytime I call and speak with someone regarding this issue they say my account is in collections. I ask whats the name of the Collection Company?  ; no one knows. They are double dipping which is against the law and IRS standings.
Product: Debt collection

I paid this with my XXXX XXXX XXXX XXXX. I have proof with the check that was sent to this company and its still on my account. I owed XXXX XXXX XXXX, and they sold my account to Franklin Collections. They say we didnt and i can upload it and they can talk to my banker as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Equifax 's negligent security practices, my name, SSN, DOB, full addresses, credit card numbers, and driver 's license number have been stolen, and are now public data, opening me up to identity theft and putting me at great personal risk, inconvenience, and potential expense. This is a breach of not only my trust, but of 150 million people. I 've placed Initial Fraud alerts with each of the 3 bureaus.
Product: Debt collection

In Complaint # XXXX the collection agency owner stated in his response on XX/XX/year>, that " As a courtesy to the consumer we have requested to have this account removed from credit reporting. Thanks, XXXX. '' In Complaint # XXXX on XX/XX/year> again the owner of the collection agency stated " Typically this can take up to 30 days for the removal process. Yes we have already requested to have them remove as I explained in my previous response. Thanks, XXXX. '' We now know that this is not true as on XX/XX/year> Confirmation # XXXX from XXXX this debt was " VERIFIED AS REPORTED. '' As stated on the document from XXXX " Verified as Reported '' means, the reporting company has CERTIFIED it is reporting the item correctly. So, how can he promise to remove the item on XX/XX/year> but then CERTIFY on XX/XX/year> as the debt being valid. 

This is a SEVERE violation of the Fair Debt Collection Act.
Product: Mortgage

Wells Fargo cost me {$2300.00} and kept home ( double wide mobile home on block foundation ) my off of market for 2 1/2 months ( was under contract ) As seller of home i jumped through all hoops for the HUD loan fro Wells Fargo. They wanted a septic inspection and structural inspection well after due dilligence period was over, 1 1/2 months after being under contract. I had to use one of their septic people to be certified.The septic inspection buyer paid for initial {$400.00} which was dig up lid and pump out, when there XXXX XXXX told me i needen new baffle tee and filed lines pumped out. A new baffle tee was installed 2 years ago and tank was pumped then, house has been vacant for 1 1/2 years. XXXX told me it would cost extra {$500.00}, i told him i did not see the need, he said then it would fail inspection i.e. NO SELL! So i paid the {$500.00} ( can you say SCAM! ). Then 1 week after that the structural engineer said that mobile home did not have enough tie downs ( home was up to county and state code ) and he just happened to know an engineer who has designed a new tie down system that would solve my problem that would be certified just like XXXX was on my septic. The sysytem cost {$1800.00} keep in mind that if i did not use this sysytem it would fail inspection also! Now all work down to be certified, found out yesterday 3 weeks after all work completed that buyer does not qualify for loan!!! NOW I AM OUT {$2300.00}. Why was buyer portion not done first??? Can i sue wells fargo?? Buyer put down XXXX earnest which helps a little ....
Product: Debt collection

I tried to make payments and I believe these are not reflected on the XX/XX/XXXX debt collector letter. MRS BPO , LLC I think does not know that I made ACH wire payments, one including over {$100.00}, to XXXX XXXX XXXX account # XXXX. 

I would like an acknowledgement from MRS BPO , LLC that on XX/XX/XXXX at XXXX I made, according to my records, an ACH wire payment of {$120.00}. I do not believe that MRS BPO , LLC has credited this amount on my account. Thank you. 

Respectfully, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

received multiple calls from this debt collection company of an alleged debt. I don't have any business with this collection nor have not received any notices in the mail of alleged debit. 

please further investigate this company and have it delete it from my credit report. 

thank you
Product: Debt collection

PNC Bank took all the money out of my savings account.with no notification. They say it is for a forclosed loan from XX/XX/XXXX. I have had bank accounts with them since XX/XX/XXXX and one has contacted me. My pay checks are direct deposit and they waited until my pay hit then wiped out my familys savings account. They have had my address, phone number and email for years. They communicate to me about bank specials and advertisments, but never once brought up an outstanding debt that I thought was handled when the property was forclosed on. Can they do this just take someones savings account with no notification or contact?
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to file a complaint against XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. The reporting on what was once a combined commercial/residential wrap around mortgage is now just attached to my personal residence after I sold off the commercial property attached to the collateralized loan. Shortly after I sold the commercial portion, I was hit with an acceleration of my mortgage after XXXX XXXX acquired the mortgage from a bank merger. This was extremely unfair at the time due to the personal hardship I was going through with the passing of my wife, who was also an attorney and a partner in my law firm. Then XXXX XXXX started what was proven to be an illegal foreclosure action. Since the commercial aspects of the mortgage was eliminated with the sale of the larger portioned commercial percentage, my rights under the Fair Debt Collection Practices was protected under the XX/XX/2018 addendum of that federal law, My rights were violated by XXXX XXXX as I should have been given the initial right to modify the terms of the loan and take out the balloon payment, normally associated with large scale commercial transactions. After the foreclosure was filed I filed a counterclaim. XXXX XXXX XXXX was trying to ingratiate themselves foreclosing on a {$400000.00} home with only a {$140000.00} balance. I discovered that my rights were being violated under federal guidelines with both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Eventually, XXXX XXXX XXXX realized their mistake and gave me a restructured mortgage with all past payments, interest, penalties and legal fees waived, and gave to me a six-year mortgage completely interest free as long as I dropped my lawsuit against them with the Supreme Court state of New York. In essence, the current reporting is a complete falsehood, as it was XXXX XXXX XXXX that brought about the illegal foreclosure action. I should have a new payment history starting from the month of the restructured mortgage. This abusive reporting on all credit bureaus is a direct violation XXXX XXXX XXXX has with their subscriber agreement with all three national credit bureaus. The negative reporting must be deleted and only the payment history that started with the interest free mortgage should be posted. Accordingly, XXXX XXXX XXXX has only one option, to rectify this immediately and live up to their subscriber agreement with all three credit bureaus.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$1800.00}.