23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Company : MOUNTAIN RUN SOLUTIONS LLLC Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX Balance : {$650.00} A negative credit item from XXXX, such as a charge-off should not remain on my credit report for more than 4 years from the date of first delinquency. The MOUNTAIN RUN SOLUTIONS LLC collection agency that may must comply with that same date for the charged-off account. 

This clearly means the debt collector such as MOUNTAIN RUN SOLUTIONS LLC reports the date of first delinquency XX/XX/2019 to the credit bureaus and the original creditor previously reported an date than is more then 9 years since the last reported collection bill from monotronics and first delinquency. The XX/XX/2019 date must be the same date of first delinquency. The date of first delinquency is what determines when the tradeline should be removed from your credit reports. 

The date of first delinquency is based off the first time of the missed payment and no other payments were made which lead to the account being put in charge-off status approximately 180 days later. The states statute of limitations on the debt is 4 years. Any different date constitutes illegal re-aging.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it XXXX concern : I have requested several times for this entity to provide me with the resources used to verify these XXXX accounts which they have not provided to me as of XX/XX/2022. 

I am aware as they are that they are violating my rights as a consumer. I am requesting the method and information that was used to " verify/validate '' these accounts that I have listed below. I have allotted XXXX days for this information to be sent to me. I have removed the account numbers as requested by you all at this time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I used XXXX to get information as to what was the cause of my credit score being what it was on a previous inquiry. I followed the steps and the end result included things that I was expecting, but it was a shock to see info that I was not able to accept. My report number is XXXX. As I scrolled down the line of the names on my report, the first few were recognizable to me as ways I could be identified. The fourth listing was a bit out of the ordinary, due to the place where usually you either see your middle initial or your full middle name. The number of this listing was XXXX. 
Next on the list of names was a completely incorrect spelling of my first name, the number of that listing was XXXX. 
The next was another complete misspelling of my first name. The number of that listing was XXXX. 
These obvious mistakes led me to believe that someone other than myself had used my name and did not know the correct way to spell it. 
The next to the last name on the list was not what could be a mistaken spelling of my name, but a different first name in it's entirety, but my correct last name. This number was XXXX. 
The last one that I questioned was number XXXX. This was my first name and the first three letters of my middle name added to it as if to be all one name. 
When I am filling out any sort of file, application, report, etc. I will do as the instructions ask. This is most likely either to insert full middle name or middle initial. 
I am now concerned that someone besides myself has used my name without my knowledge or permission. 
The list of addresses also contained two addresses that I have never been a resident of. These numbers are XXXX and XXXX. 
Phone numbers that I am not familiar with XXXX. The other two are familiar to me, they are the home numbers of the house I own, and the other is the number for the house of my boyfriend of 15 years. The XXXX is still the active house number where I am an owner. 
The names and dates of the agencies on the report are also not ones that I am familiar with. They are XXXX XXXX # XXXX. Balance {$300.00}. Date opened XX/XX/XXXX and past due date of XX/XX/XXXX XXXX XXXX # XXXX. Balance {$460.00}. Date opened XX/XX/XXXX. Past due date of XX/XX/XXXX. 
XXXX XXXX # XXXX. Balance {$75.00}. Date opened XX/XX/XXXX. Past due date of XX/XX/XXXX. 
XXXX XXXX # XXXX. Balance {$75.00}. Date opened XX/XX/XXXX. Past due date XX/XX/XXXX. 
XXXX XXXX # XXXX. Date opened XX/XX/XXXX. Past due date of XX/XX/XXXX. 
XXXX 's XXXX # XXXX. Balance $ XXXX, XXXX, Never XXXX. Opened XX/XX/XXXX. 
XXXX XXXX. The only thing stated in this listing was an inquiry on XX/XX/XXXX. And what looks to be a phone number XXXX. 
I am requesting more information about these concerns. Please help me to get a better understanding of the report I was given. Thank you.
Product: Credit reporting

I closed an XXXX account after XXXX XXXX XXXX over-charged my account for the 6 months that I had the account open. Every month I asked about the account XXXX XXXX XXXX said I would receive a refund the following month but I never did. I paid in full and closed the XXXX XXXX XXXX account, and opened a new account with a local ISP. 3 Months later XXXX XXXX XXXX sent my account to collections for XXXX additional months of service after I closed the account. I told them I closed the account, but they said they could n't do anything because it was already in collection. I could n't access my XXXX XXXX XXXX account and they would n't send me the bills. The account hit my credit reports in XX/XX/XXXX. In XXXX I successfully disputed the account with the credit reporting agencies. In XX/XX/XXXX another collection company posted the same collection account from XXXX XXXX XXXX in XX/XX/XXXX. I never new about this until XX/XX/XXXX, when I started the house buying process. Now in order to get a mortgage I need the account to be re-removed. I have started the dispute process with all XXXX credit reporting agencies, and XXXX has removed the account, but I have n't heard from the other XXXX. Are new collection companies allowed to re-post an old disputed collection again? Can you please help me so I can purchase a new home? I have never even had so much as a late payment on account before.
Product: Debt collection

Called me at XXXX on severeal ocassions. Calling repeatedly while i am at work between XXXX & XXXX eastern standard time.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found that accounts that I had reported as fraud and identity theft are still open and reporting on my report. On XX/XX/2023 sent in my FTC identity theft report and police report, placed a fraud alert on my credit files, and requested that American Express STOP reporting accounts that were opened fraudulently, despite their reckless, careless investigation. I have provided the companies with proof of identity theft of my personal information and a police report. I also reported the suspect XXXX XXXX who stole and had access to all of my personal information while Living with me. According to FCRA, everything HAS to be 100 % accurate on my credit report and these accounts violate not reporting 100 % accuracy. Furnishers & Bureaus need to be held accountable for reporting false and inaccurate information that they CAN NOT 100 % verify. 

I have attached the following documents sent to American Express on XX/XX/2023 : FTC Identity theft affidavit/report Police Report Signature confirmation that the bureau received the supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am SO frustrated with the credit bureaus having missing or incorrect information My Equifax credit score DROPPED 15 points and the only changes documented were 2 accounts that had significant balances paid down which should have helped! Not dropped my score
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with XXXX XXXX  which was closed 10 years ago inXX/XX/XXXX.XX/XX/XXXX ...

I see they added derogatory information on my report stating that I have been paying a 30-day late on my mortgage every month beginning XX/XX/XXXXuntil XX/XX/XXXX.

This is incorrect as the mortgage was closed in XX/XX/XXXX.

When I called XXXX to get this settled, closed and removed, the person on the phone, said, They were only trying to regain their losses.

This account should not be appearing on my credit reports.

The last date of Activity on my account with XXXX was in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. XXXX XXXX {$2800.00} XXXX  XXXX {$8800.00} XXXX XXXX {$520.00} XXXX XXXX {$3800.00} XXXX XXXX {$19000.00} XXXX XXXX {$4000.00} XXXX XXXX $ XXXX XXXX {$4000.00}
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING INCONSITANCIES.. THESE ACCOUNTS ARE UNKNOWN, INACCURATE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELETED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT IMMEDIATELY ( BANKRUPTCY XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -TO YOUR COMPNAY I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING INCONSITANCIES IN THE PAYMENT HISTORY. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE UPDATED IMMEDIATELY IN THE PAYMENT HISTORY FOR EACH DATE ON EACH ACCOUNT TO PAID AS AGREED, PAID ON TIME, NEVER LATE. AFTER THIS INVESTIGATION, UPDATE THESE ACCOUNTS TO PAID AS AGREED, PAID ON TIME, NEVER LATE. ( XXXX XXXX XXXX )
Product: Mortgage

HI! My mortgage was taken over by XXXX bank a couple months back. 
But my mortgage still shows payments due to Owcen mortgage company which is not correct, I only owe money to XXXX for the house at XXXX XXXX XXXX, XXXX XXXX XXXX, New JerseyThis has caused my credit score to drop XXXX points
Product: Checking or savings account

Opened an account for debit card. For minor daughter at Bank of America. Account was set up to decline all in event of not enough funds in account. The bank charged {$70.00} in fees. The bank credited {$35.00} after calling the call center. The bank would not credit the remainder. The call center changed the account with my wife. The new account is {$4.00} a month for a service fee and no {$35.00} service fees for insufficient funds. This is not the account that was opened in XX/XX/2019. The call center said that the {$4.00} monthly fee could be waived by going to local branch in XXXX New Jersey. The original account was for debit card use only. No checks are used for this account. Bank of America charged service fees for an account set up as DECLINE ALL. Bank of America charged fees and did not comply with the overdraft protections by law. My wife was not on the original account. Bank of America changed the account over the telephone and sent new account information through the mail. I find this is unacceptable to change the terms of an account and keep {$35.00}.
Product: Mortgage

I took a mortgage with Sterns Lending in XX/XX/XXXX for a condo in Florida. At the time of closing the state official who processed the closing documents notified me that my mortgage seems to have been sold already. The person at Sterns that I dealt with denied it. The next month I received a notice that XXXX XXXX was collecting my mortgage payment and I was given address to send payments. Since then I have been given a new address to send payments with no explanation. Upon calling XXXX to find out what was happening with my mortgage and to ask them if they owned or were selling my mortgage they told me my mortgage wasn't ever owned by them that they were only a collection agency. They told me my mortgage was owned by a company called XXXX XXXX XXXX - a name I have never heard of before. I have no information from or about XXXX XXXX XXXX and no way to contact them. It is now mid XX/XX/XXXX and I have no idea who I have a mortgage with or who to pay. I have two different XXXX locations telling me to pay them. According to my research I should be notified if my mortgage is sold. Further, looking on line I see that Sterns ( original mortgage agent ) is in bankruptcy, but when I call the agent there he claims nothing is wrong and the he still has control of the mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

After speaking to credit bureaus I was told Navy Federal Credit Union report my payment of XX/XX/XXXX, for the month of XX/XX/XXXX late after speaking to a Navy Federal rep. She assured me that Navy Federal will correct the two lates and it have yet to be done.
Product: Credit card or prepaid card

It was brought to my attention that purchases were being made without my knowledge on my Direct Express card. I first discovered this on XX/XX/XXXX. ( I went back to XX/XX/XXXX and XX/XX/XXXX. ) I contacted Direct Express about the purchases that I wanted disputed. I then sent in the paperwork they requested. The outcome of the investigation was not in my favor, even though these were not purchases made by me. Next, I called Direct Express and requested my XXXX, XXXX, XXXX and XXXX XXXX monthly statements. Upon reviewing the statements, there were charges made in all XXXX  months again that I did not authorize. I was told I had to start another claim. I started the claim and sent the paperwork they requested only to be told once again, the charges were authorized by me. 
Next, I requested they send me monthly statements dating back from XX/XX/XXXX to XX/XX/XXXX in order to see when the charges started taking place. They sent them, I reviewed them. Come to find out, the charges started in XXXX or XX/XX/XXXX. ( please forgive me, I forgot, being I see this was a fight that was truly exhausting, and I was too outdone at this point ) Upon my discovery, I was told yet again, to start a claim, only to be told these charges were made by me, which in fact they were not. 
Today, Direct Express had the nerves to email me the paperwork I requested almost XXXX months ago showing how they investigated my claims and came up with their conclusion that I made these purchases and what was their determining factor. I had waved the white flag almost XXXX months ago, seeing it was a fight that I couldn't prove my innocence no matter what I do or say, only to have the bandage ripped off a healing wound. The nerve of the people.
Product: Credit card

VISA credit card through Bank Of America -- -- -- -- -- -- -- -- -- -- -- -- -I refuse to use a DEBIT card. What I have chosen to do is pay an extra amount, over and above the XXXX balance of my VISA card, just in the event that I am hospitalized and therefore unable to pay my bills in a timely fashion. 

On XXXX XXXX, 2015, I deposited an extra {$170.00} into my VISA account, which is {$170.00} over my balance of XXXX ( {$0.00} ). This obviously means that I have a CREDIT in the amount of {$170.00} remaining to charge items. 

On XXXX XXXX, 2015, Bank Of America transferred (??? ) this money to what they have chosen to label " CREDIT BALANCE REFUND DEBIT '', and they labeled this as " FEES ''. 

Upon noticing this on XXXX XXXX, 2015, I called them, and was told by a very courteous and understanding representative, that this is a policy!!!!! SINCE WHEN????? In lieu of a DEBIT card, I place additional funds into my VISA account in order to cover those spontaneous purchases I make. I was told by the representative that Bank Of America is sending me a check!!! WOW!!!!! I thought internet banking was supposed to eliminate " snail mail ''. Why could they not simply transfer the money back to my checking account??? 

I know the banks just love those of us that pay our credit card bill in full ( LOL!!! ). It must be fabulous to know that I have extra funds on my credit card, therefore partially eliminating the chance that my payment will be late!!! Hey, no interest money paid to the bank!!! 

CAPITOLISM ... ... ... .make that money!!!!!!!!!!
Product: Credit card or prepaid card

When I opened my XXXX XXXX account, I noticed there was a credit card opened in my name from American Express. I have never applied for or opened a card with them and do not have possession of the credit card in question. XXXX XXXX informs me it was opened in XXXX XXXX XXXX It has never had any charges on it and it has a credit limit of {$8000.00}.
Product: Credit card or prepaid card

In XX/XX/XXXX, I noticed there were 3 capital one accounts reporting on my credit report. 2 of them were accurate, and one of them did not belong to me. I mailed a letter to all 3 credit bureaus alerting them of the inaccurate account. I also stated in the letter that the other 2 accounts were accurate. By the end of XXXX I noticed the inaccurate capital one account was removed and so was one of my accurate accounts leaving only one capital one account reporting to all 3 bureaus. I called XXXX first to alert them of their mistake and they informed me that i needed to contact capital one in regards to this matter. I called capital one to inform them of the mistake and they stated that i should contact the credit bureaus. The Capital One representative also stated that they would be reporting after the XXXX of the month and i should give them a call back if i did not see the account on my report by the middle of XXXX. I didn't think much of it since my account was still open and i was still able to use my card. I logged into my online credit card account today, XX/XX/XXXX around XXXX and i was not able to view my personal credit card account information, however my business credit card information was available. I contacted Capital one around XXXX and the customer service representative informed me that my credit card account was closed do to fraudulence. There was no manager available for me to speak to about this incident. I have had this credit card open and in good standing for 2 years now and it is being closed in error due to the credit bureaus reporting fraud on the wrong account.
Product: Checking or savings account

It has been XXXX business days and there is no response from robinhood and no way to contact a live person either by text, email, or phone. Their customers service line gives a brief message and automatically disconnects. Their App is only answered by XXXX  and when it says its transferring to a live agent the screen goes into waiting for an indefinite period of time ( over one hour, screen shot included ) Robinhood has been holding my funds for over 9 months with no interest being paid. The amount is between {$370000.00} and {$400000.00} ( transfer request included ). This is also causing legal bills as my attorney needs to review the case regularly. 

Im estimating the total cost of lost interest and attorney fees to be in excess of {$30000.00}.

All we want is for the brokerage to transfer the funds to my account so that our settlement is complete. We are not sure what motivation Robinhood has to not get this done but its causing undue financial hardship for all parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kindly fix the accounts and make the necessary corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last three months ( XX/XX/XXXX-XX/XX/XXXX ). I have been corresponding ( by mail & by phone ) with all three credit bureaus questioning the bankruptcy they have in my personal information section. I asked where they got the information & they were not honest which is a violation of the Fair Credit Reporting Act in which they are reporting false information. I sent proof of their dishonesty & asked for them to reverify and send me proof of their findings from whichever reporting source they claimed to get information from & they have failed to do so.
Product: Credit card or prepaid card

This is in regards to fraudulent charges in a Union Bank credit card account. 

1. XX/XX/XXXX I was made aware of a " late '' fee on this Union Bank account for a card which I had never activated or used. I then viewed various transactions that I had not initiated ( see below ) : Transaction History for XX/XX/XXXX Transactions XXXX XXXX XXXX Date Transaction Description Amount XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX GA {$43.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$190.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  {$170.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX {$180.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX  {$190.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$44.00} Total {$850.00} XX/XX/XXXX XX/XX/XXXX 3 % XXXX XXXX XXXX {$5.00} Total Fees This Period {$5.00} I immediately contacted Union Bank and filed a fraud complaint, as I had not made any of these charges. 

XXXX. XX/XX/XXXX I received a letter from Union Bank fraud department acknowledging a fraud dispute had been opened, and to await further word by mail as to any conclusions. 

3. XX/XX/XXXX I received a letter from Union Bank fraud department in response to the fraud claim. However, the amount forgiven was only {$29.00} ( actual total was $ XXXX at that time ). 
I then made several attempts to contact the person listed on the letter, and could not get her on the phone, and her voicemail box was full. 

4. Time between XX/XX/XXXX- Present I contacted the fraud department 2-3 more times and re-initiated the fraud disputes, again with promise to be responded to by mail, but have yet to receive any further response from the fraud department. 

The company closed my account ( involuntarily ) resulting in an immediate XXXX point drop in my credit score, due to reducing my available credit. 

The " Collections '' department continues to make attempts every few weeks to collect the " balance, '' with no coordination between them and the fraud department, and no additional information provided to me. 

5. According to the latest statement, with due date of XX/XX/XXXX, the current " balance '' is {$1000.00}. ( Again, for a card I never used, and charges I never initiated.
Product: Checking or savings account

my college loan was stolen! Someone got into my banking account by copying my XXXX XXXX and information was stolen from my phone., i.e. he had all my information stored on my phone and ripped my off, bought phones in my account, stole money from my loan and checking account. i was not fully compensated from my bank either.