23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Rushmore Management Services is my XXXX loan company for my home that can not find my previous payments that were made from the my last XXXX mortgage providers. Despite the fact that I keep sending bank statements, they are now trying to foreclose on my home. Back on XX/XX/XXXX, I received a Notice of Default, in which I responded and provided them with the DATES and BANK STATEMENTS to reflect that payment had been made, when then said they hadn't received payment. Because I am on Social Security and Only Get Paid, Once A Month, I pay my mortgage late, but I HAVE BEEN paying the mortgage nevertheless. Now, fast forward to XX/XX/XXXX, I received another Notice to Default. It appears as though Rushmore Management Services has been ( in the past 2 years between XX/XX/XXXX & XX/XX/XXXX ) applying ( Without my Knowledge ) my monthly payments ( that I have been making since then ) to what they claim to be the " past due monthly payments '' which is NOT CORRECT. I have sent in the Bank Statements to them ( via email & mail ) to Show that I DID Make the Payments that they are claiming are past due. Now because of this they are saying I am behind on payments and are attempting to Foreclose on my property. In addition to that, I attempted to make my XXXX payment on XX/XX/XXXX and I was told that they can not accept any more payment from me. WHAT!!! I have attached a copy of the Notices of Defaults I've received back in XX/XX/XXXX & recently on XX/XX/XXXX. Beside the dates they claim that are past due, I have written the date that it WAS INDEED PAID & I DO, have my Bank Statements to support these Facts ( again, which I have already sent to Rushmore Management Services and they STILL HAVE NOT UPDATED/CORRECTED their records ) I DO NOT want to loose my home due to a clerical error on their behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have repeatedly left voicemails with the dispute litigation and complaint team being promised numerous times on a recorded line i would get a call within 3 days. I call every week, have over 120 hours on my phone records of outbound calls and ZERO returned calls. 
This is a PERFECT example of WILLFUL & INTENTIONAL fcra violations which adds punitive damages ontop of actual, statutory, and legal. 

The several issues im trying to get fixed are : 1 ) They have blocked me from obtaining my report from ALL possible ways. Online, over the phone and mail, also even on third party websites like annualcreditreport.com and various other sites. This is a clear violation under the fcra which they are by law required to provide and intentionally refusing. 

2 ) They are refusing to add a credit freeze, again a law provided by the fcra. 

3 ) They have refused to remove 2 inquiries from identify theft after numerous certified mail disputes, disputes on recorded calls and through email. 

4 ) Transunion has engaged in consumer fraud, unjust enrichment, false advertising with giving me free 1 year subscriptions that repeatedly fail and bill me illegally. 


ONLY ONE DEPT is allowed to speak to me, and they only have a voicemail and for 6 months, over 317 calls, since XX/XX/XXXX to XX/XX/XXXX, they have WILLFULLY AND INTENTIONALLY IGNORED AND REFUSED TO CALL. I emailed their general counsel, and several of their internal attorneys, all who have ignored this and acted in bad faith, violating their ethics to the bar by intentionally preventing me from having any access or control of my reports.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate delinquency on my credit report concerning my Wells Fargo account ( " XXXX '' credit card ). This account erroneously reflects a delinquent charge from a fraudulent transaction that was reversed by Wells Fargo. Below are the details of the erroneous entry : - **Creditor : ** Wells Fargo - **Account Number : ** XXXX - **Date of Fraudulent Charge : ** XX/XX/year> - **Location of Fraudulent Charges : ** XXXX XXXX - XXXX XXXX XXXX ** Fraudulent transaction while I was on XXXX XXXX This fraudulent charge occurred while I was on XXXX XXXX orders in the XXXX XXXX and XXXXXXXX XXXX XXXXXXXX XXXX. As such, I was protected under the Servicemembers Civil Relief Act ( SCRA ). I did not use this credit card, and I only became aware of this issue in XX/XX/year> when I checked my credit report. Upon discovering the erroneous delinquency, I immediately contacted Wells Fargo by phone and in writing, and I also visited a local Wells Fargo branch in XXXX, Connecticut, to resolve the issue. Unfortunately, despite my efforts, the issue remains unresolved. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this incorrect delinquency be removed from my credit report immediately. I have attached copies of my XXXX XXXX orders, correspondence with Wells Fargo, and any supporting documents proving my efforts to dispute this charge with Wells Fargo. 

Please investigate this matter and correct my credit report as soon as possible. I also request written confirmation once this correction has been made. If additional information is needed, please contact me at the phone number or email listed above. 

Thank you for your prompt attention to this matter. I look forward to your resolution of this issue.
Product: Debt collection

My credit report states that IC Systems put a major derogatory mark on my credit report in the amount of {$460.00} on behalf of XXXX XXXX. I spoke with XXXX XXXX at XXXX on XX/XX/2020 who stated that they have yet to contact me nor have they sent any correspondence from me. Furthermore, they stated on my credit report that I am more than 120 days late on this account, however, Mr . XXXX   stated to me that they have only owned the account or 99 days. This company put a false mark on my credit report : incorrect dates, has not contacted me, and has not validated the debt. Mr . XXXX refused to give me the phone number to IC Systems at first until I told him that I was transferred to him did not have access to the phone number.
Product: Checking or savings account

A couple years ago Bank of America closed my account. I found out because I wasnt able to use my debit card on a vending machine at school. I was still in high school at the time. I was unable to login into my online banking app so I called the number that the app provided. However when I called the guy only said that my account had been closed because there had been fraudulent activity and that I wasnt going to be able to get any bank account for the next 5 years. Because the bank representative on the phone wasnt much help I went to the actual bank however it was a similar situation where all they told me was that there was fraudulent activity on the account with a check deposit on the app and then transfer to a XXXX account. All in which activities I didnt do. I wasnt provided with anything on what to do to fix the issue so I havent been able to open a bank account since.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern I am XXXX XXXX XXXX, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically, 15 U.S.C. S Section 1681-2 ( a ) and ( c ) and 15 U.S.C. Sub Section 1681-B, to demand the immediate removal of the hard inquires listed on my credit report. These accounts were added without my express written consent, violating my rights as a federally protected consumer. Federal law prohibits reporting any credit information without direct authorization, and the lack of my consent renders these listings both unauthorized and potentially indicative of identity theft. I am therefore demanding the prompt deletion and permanent removal of all the referenced accounts. ADDITIONAL UNAUTHORIZED HARD INQUIRIES FOR REMOVAL : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to update my name in my credit report and still, the incorrect names still show XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( 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: Debt collection

CRA VIOLATION ACCOUNT NEVER LATE / NO KNOWLEDGE OF THE COLLECTIONS ACCOUNT.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights, 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions., 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened online accounts at XXXX and XXXX Credit Bureau 's using my information. They changed my address and phone number in an attempt to gain credit. Six different " hard inquires '' were submitted to my credit report on XX/XX/XXXX & XXXX 2023. None of them were from me requesting new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANS UNION CREDIT REPORT is not accurate. 
It reported collection by XXXX XXXX. 
I am not aware any collections. I was customer of XXXX more that 10 years ago. 
I had a dispute with them. Collection report is false.
Product: Credit reporting or other personal consumer reports

I received mails from my bank and and others that it seems like someone is using my identity or change my identity
Product: Credit reporting or other personal consumer reports

I was impacted by the data breach. these items do not belong to me and have negatively impacted my credit. 

XXXX XXXX  Account # XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXX XXXX  XX/XX/XXXX - no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. XXXX XXXX XXXX no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C . XXXX XXXX XXXX permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Reported for : OVERDRAFTS Date of closure : XX/XX/XXXXXXXX XXXX XXXX ACCT # : XXXX / XXXX Charge off amount : {$1300.00} Source of information : XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  Reported for : OVERDRAFTS Date of closure XXXXXXXX XXXX  / ACCT # : XXXX / XXXX Charge off amount : {$1500.00} Source of information : XXXX XXXX  : XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Reported for : ACCOUNT ABUSE Date of closure : XX/XX/XXXX XXXX  / ACCT # : XXXX / XXXX Source of information : XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Reported for ; ACCOUNT ABUSE Date of closure : XX/XX/XXXX XXXX  / ACCT # : XXXX Charge off amount : {$3900.00} Inquirer : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquirer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquirer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquirer Date ; XX/XX/XXXX Inquirer ; XXXX XXXX A PART OF XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX On Behalf Of ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX XXXX Date : XX/XX/XXXX XXXX/DEPT OF ED XXXX - {$2500.00} XXXX XXXX XXXX/DEPT OF ED XXXX - {$3600.00} XX/XX/XXXX XXXX/DEPT OF ED XXXX - {$3500.00} XX/XX/XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX All inquirers reported to and obtained without my written consent is a violation under the FCRA U.S.C 1681 and aggravated identity theft pursuant to 18 U.S.C. 1028A
Product: Student loan

( XXXX ) Submitted consolidation paperwork XX/XX/XXXX, borrower doc information above. XX/XX/XXXX spoke to XXXX because accounts were removed from the Mohlea account prior to consolidation being complete. Tried to speak with supervisor-transferred and sat on hold for an hour. Checked my account consolidation paperwork removed with out my permission. Spoke to XXXX or XXXX he tried to get a supervisor and call dropped.HE NVER CALLED ME BACK EVEN THOUGH I GAVE HIM PERMISSION TO CALL ME BACK. I've been waiting since XX/XX/XXXX for my consolidation to take place for Mohlea to delete my paperwork after I waited 90 days for it to be processed and there were two accounts removed without my consolidation being completed. Whenever I call, I'm kept on hold excessively without being able to speak with a supervisor or processor. The tag line in parentheses is proof the information was not only submitted BUT IT WAS SUBMITTED prior to XX/XX/XXXX which was the last day for consolidation.
Product: Credit card or prepaid card

On XX/XX/21 someone used my card at an atm and pulled {$640.00} out of my account, this was when I realized my wallet was gone. I called bank of America immediately to report fraud. I also called edd. This atm was in another city at least 100 miles from my home. On XX/XX/21 edd lifted the hold on my account after their investigation, and verifying my identity. Now bank of America has been giving me the run around telling me that there is a hold on my account still from edd after I had given them the reference number several times. Still nothing. I received my new debit card already. Please help me solve this issue it's hard enough in these times having to be on unemployment and it being my only source of income raising XXXX toddlers. But to have to deal with the Bank giving me the run around and tell me they are waiting for edd when edd has already done their job.
Product: Credit card or prepaid card

I made a payment of {$500.00} on XXXX to XXXX. On XXXX I reached out asking why the payment had not posted to my credit card. I was told the payment hold would release on XXXX and when I didn't see the payment posted, I called and was told the payment was returned by my bank as " account closed ''. I contacted my bank and they advised that sending that information to the bank was in error and they provided XXXX documentation that the {$500.00} was in fact taken out of my account and account was not closed. I called back to XXXX and requested a XXXX on XX/XX/XXXX who said that the bank documentation had been received, but the back office was reviewing the documentation give them 72 hours to credit the payment. Every time I have called them I get the same excuse. Two supervisors said they would reach out to me and it is now XX/XX/XXXX and my payment still has not been posted nor has any one called me back.
Product: Credit reporting or other personal consumer reports

18 USC 1028A Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of XXXX years. Hard Inquiries : 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  Equifax
Product: Credit reporting or other personal consumer reports

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information.

This statute explicitly states that Transunion, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report.

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts.

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days.

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 it states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is supported by 15 USC 6801, which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX/LVNV Funding LLC and XXXX XXXX XXXX  XXXX XXXX. is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that, " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXXLVNV Funding LLC and XXXX XXXX XXXX  XXXX XXXX. the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they definitely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, XXXX XXXX XXXXLVNV Funding LLC , XXXX XXXX whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXXLVNV Funding LLC and XXXX XXXX XXXX  XXXX XXXX. never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am attaching an FTC report containing 1 fraudulent account and 1 fraudulent inquiry done by someone other than me on XX/XX/year>! Please delete block remove under FCRA 605B victim of fraud 4 day block.