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

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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

During a routine examination of my Consumer Credit report with TransUnion, I found a new collection account listed as Enhanced Recovery Compan for an alleged XXXX XXXX XXXX debt. On XX/XX/XXXX, I opened a dispute via XXXX  online account page. 

Upon contacting Enhanced Recovery service personally they could not provide me with any information as to the ownership of this account or documentation that it was my debt. They only offered high-pressure tactics to collect the alleged debt. They offered a partial settlement but no proof of ownership. Therefore, I disputed with the three major credit reporting agencies. 

The account was not verified with XXXX and the collection was removed from my consumer report. However, on XX/XX/XXXX I received an email stating that the collection account listed on my report with Transunion has been " verified ''. 

I have been a customer of XXXX XXXX XXXX since XXXX and still maintain an active, current account with active wireless service. XXXX XXXX XXXX shows no bad debt on my account. XXXX XXXX XXXX has drafted my checking account monthly for my monthly invoices and continues to do so. 

I feel like this is extortion. I have never received any notice of collection, any Dunning letter, I am unable to be provided with any proof of this debt being mine. However, without evidence, this bogus account continues to remain on my consumer credit report as if it is factual in turn costing me money in increased interest rates and denial of credit extension. This practice violates the law. Transunion states this debt is verified but can not provide me with any means of verification. I suspect no verification process was completed.
Product: Checking or savings account

I currently have a bank account with Simple a subsidiary of BBVA USA. My partner and I are buying a house, and need to move funds into escrow, {$48000.00}. In speaking to Simple customers service I was told multiple times that if I submitted the request for a cashier 's check it would go out the same day or the following day ( a Saturday XXXX when I called in the morning to submit the request. 

Following my phone call, Simple messaged me several hours later saying my request would not be handled until the following Tuesday, in direct contradiction to previous statements and then refused to let me speak to a manager or lodge a formal complaint. In a follow up phone I repeatedly asked to speak to a manager and was told that they could only transfer me to another agent because their managers don't take calls. Further, when I inquired about being transferred directly to BBVA who operates the account I was told that wasn't possible and so there would be multiple delays.

Given Simple is wholly owned by BBVA, and in fact the representative admitted that in order to process my transaction they called BBVA but refused to provide actual numbers or contact information for a real account representative. As someone who has multiple hundreds of thousands of dollars invested with this bank I was shocked to learn I essentially have no way to actually talk to a financial representative and not a customer service agent.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several billing discrepancies. These late payments are inconsistent with my usual payment history.
Product: Credit card or prepaid card

I'm been charged fees and interest on my credit card account from Citi Bank but I'm not able to submit my payment as the site is always down.
Product: Mortgage

In XXXX of 2014 I was provided a trial payment of 3 months in which I did pay the 3 months. At the end of the XXXX month I was never provided with the final modification to fulfill the terms. I then resubmitted for another loan modification as I was told by an SPS representative that I do qualify for the HAMP program and provided all required documents on time and was then denied. I still have never received a clear answer as to why my trial modification was never finalized and am now facing another upcoming foreclosure sale due to this matter. I also am not receiving any responses to my written or oral requests.
Product: Mortgage

I have called repeatedly and sent two emails. I want the payoff figure so I can payoff this loan and be done with Ditech!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I request for my credit report and after receiving it I saw collections XXXX XXXX asset, medical data system, and XXXX XXXX XXXX XXXX my report I had no idea who they were, so I start sending out letters to Experian XXXX XXXX, and XXXX XXXX On XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX, i sent certified letters and after a week i was getting emails stating that they verified that the account was mine but not once did they send me any document showing where my signature was on any document. I know that they did n't have the proof because the other two agencies took them off and had they prove it to them they would not have remove them as I requested. I was wondering how in less than 5 days that you verified to Experian but not the other two. I also sent a letter to the agency asking for debt validation and have not received anything from them but they continue reporting these items on my report. I have ask Experian who did they verify this with and what document they had with my signature on it and all I get is that it was verified and to send me a copy. If they can complete the investigation within 5 days why have n't gotten the document sent to me
Product: Debt collection

Dear Consumer Financial Protection Bureau Representative, I received an alert from XXXX and XXXX credit monitoring that Medical Data Systems INC has reported a negative item regarding an alleged debt. I have reason to believe I do not owe this debt to this company. 
Under The Disputed Debts clause of the Fair Debt Collection Practices Act, I am allotted XXXX to dispute any alleged debt in writing. Also, request that the collector provide more detailed information about the debt and documentation showing that they have verified that they are in fact owe the alleged debt. It also states, until the collector provides this written verification, it may not continue to collect on the debt or seek judgment in court or report any negative items to the credit bureaus ( i.e. XXXX, XXXX, and XXXX. 
However, my rights have been violated since Medical Data Systems INC did not notify me of this alleged debt nor allow me, as the consumer, the opportunity to gain knowledge, investigate, or dispute this item I am unaware of.

I am seeking your assistance in immediately having Medical Data Systems remove the negative reporting from the credit bureaus and discontinue any adverse and negative reporting on this item until the following are provided : I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgement ; 4. Documentation showing you are licensed to collect debts in GA.

Because I am writing in assistance to help enforce my rights within the Fair Debt Collection Practices Act, please have the company cease attempting to collect this alleged debt until after they have provided the requested information. Upon receipt of any of requested information, I request 30 days to respond. Also, please ensure the creditor and the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 
Sincerely, XXXX XXXX
Product: Mortgage

We are closing on our home and were well aware our escrow would be paying our school taxes around the same time of closing. So i proactively called my mortgager Rushmore loan management on XX/XX/19 inquiring if my escrow payment could be held in order to close on my home in a timely manner. I was told by rushmore that they could not hold my school tax payment, i was told that they had not received my tax bill at that time either. I called back on XX/XX/19 inquiring what can be done as the funds have been withdrawn from my escrow account and was told they will not be sent until the following week of XX/XX/19 and there is nothing they can do. We are now scheduled to closed the week of XX/XX/19 and this is preventing me from clsoing. My attorney needs documentation that the taxes have been paid in order to close and Rushmore now indicates they made a mistake and that the funds could have and should have been held as i requested on XX/XX/19. My closing is now being held up due to their error and my sale could potentially be lost due to their mistakes. I need this fixed, they need to be taught to properly manage my loan. If i lose the sale of my home due to this i will be requesting the full sale contract price from them.
Product: Checking or savings account

So I went to withdrawal some money from my account and XXXX $ was taken out from the bank so I go inside and talked with someone and they said that the bank let us Barrow money but didn't know for what so then I call headquarters and then they say my husband had made a call when he was at the atm about a check that didn't deposit so we told them we didn't do that so my husband called and they said I called and said on XX/XX/XXXX and said I deposited a check for XXXX $ and it's not true I said I would like a voice recording of me or him calling that day they said they don't have audio or video from the atm or from the phone call so I go in the bank again the lady said it's from them loaning us money because the claim we made for XXXX $ I said if you loan me XXXX $ for the XXXX $ I said that doesn't add up she was nasty mean so we left I called again and talked with someone she said it has nothing to do with the XXXX $ so I'm trying figure out why my money was taken they can't give me a straight answer they caused me not to have my rent money they never talked to us about this as many times I went in there I have went everywhere to get help and I can't get help I'm just getting talked to like I'm XXXX  can someone please help
Product: Debt collection

AFNI INC, need to remove any information claiming I owe {$340.00} to XXXX XXXX. That debt was paid in full to XXXX. I have contacted the Attorney Generals of Illinois and Georgia to file a complaint. The report says the account was reported on XX/XX/2019. Then it says it was reported XX/XX/2019, which appears backwards. I could not get any proof that this account was mine from either XXXX or AFNI. I was bullied into paying the debt because I am trying to purchase a home. The account # XXXX is showing on all three credit reporting agencies. Please help get it removed. I have also contacted the credit reporting companies.
Product: Credit reporting or other personal consumer reports

A card needed to be delivered to the address at XXXX XXXX XXXX, XXXX, IL XXXX on XX/XX/2023. I made multiple attempts to speak with a supervisor over XXXX days, but unfortunately, I did not receive a response. I made subsequent calls with the same outcome, and these interactions have been documented. In light of this, I reported the issue to CFPB. BMO proceeded to close the account and marked it as late. Despite this, I have yet to receive a call back from BMO 's credit card service. Additionally, BMO has opened and closed the account multiple times, resulting in several changes to the balance. I have attached pictures for reference. I reached out to BMO to dispute charges from a transportation company listed on my statement for {$1000.00}. The representative initially informed me that I was responsible for these charges. Consequently, I requested to speak with a supervisor. Eventually, a supervisor contacted me and expressed their apologies for the miscommunication with the representative. They promptly closed the card and assured me that another card would be sent to me. I NEVER received the NEW card!! This is fraud and a misuse of credit reporting. Under section 609 FCRA you are required to show me where the card was mailed! BMO removed the account and has it reporting to XXXX. BMO has broken FCRA Rules! I made multiple attempts to speak with a supervisor over two days, but unfortunately, I did not receive a response. I made subsequent calls with the same outcome, and these interactions have been documented. In light of this, I reported the issue to CFPB. BMO proceeded to close the account and marked it as late. Despite this, I have yet to receive a call back from BMO 's credit card service. Additionally, BMO has opened and closed the account multiple times, resulting in several changes to the balance. I have attached pictures for reference. I reached out to BMO to dispute charges from a transportation company that was listed on my statement for {$1000.00}. The representative initially informed me that I was responsible for these charges. Consequently, I requested to speak with a supervisor. Eventually, a supervisor contacted me and expressed their apologies for the miscommunication with the representative. They promptly closed the card and assured me that another card would be sent to me. I NEVER received the NEW card!! This is fraud and a misuse of credit reporting. Under section 609 FCRA you are required to show me where the card was mailed! BMO removed the account and has it reporting to XXXX. BMO has broken FCRA Rules!
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/2023, I engaged an online company called XXXX XXXX. My case number with that company is XXXX. The purpose was to work with this company to resolve my IRS tax debt which was approximately {$5000.00} or more. I worked with XXXX XXXX to contact the IRS and arrange for me to have an IRS payment plan for {$100.00} per month. They barely saved me {$40.00} per month over my previous IRS payment plan. 

At the same time, XXXX XXXX convinced me to sign up for a separate payment plan to pay for their services, with a loan company named XXXX XXXX XXXX They put me on a payment plan for {$160.00} per month. XXXX  considered this a personal loan and reported it on my credit. Now, I'm on the hook for {$270.00} per month which pays off much higher than the original debt I owed the IRS in the first place. I have included the website for XXXX in this complaint. 

Now, I believe that this entire thing was a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had one late payments on an account that was in fact paid on time. Late payment date XX/XX/year>. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
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. 


FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance Owed : {$410.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This company ( Bison Recovery ) has called me several times in regards to a debit in my sons name. I told them I do not have any knowledge about where he is or what his current number was. I asked to be removed from their call list. They also contacted my wife and she has told them the same thing. I have had to do this 3 times now and the person on the other line has been rude and derogatory.
Product: Checking or savings account

I HAD 2 TRANSACTIONS UNAUTHORIZED ON MY ACCOUNT. 
XX/XX/22 - {$1000.00} - XXXX XX/XX/22 - {$2500.00} - XXXX THE TRANSACTIONS LISTED ABOVE WERE DONE WITHOUT MY PERMISSION, AND I WAS NOT INVOLVED IN ANY WAY WITH THE TRANSACTIONS. 
THIS WAS A FRAUD. 

ACCORDING TO THE BANK 'S CORPORATE POLICY I AM NOT LIABLE FOR TRANSACTIONS I DID NOT AUTHORIZE. 

I CONTACTED WELLS FARGO, THEY GAVE ME A CASE ID XXXX - I HAD TO FILE A LETTER OF APPEAL, AND THEY ARE TAKING FOREVER TO REFUND MY MONEY.
Product: Mortgage

I reside and own my property in South Carolina. I retired from XXXX XXXX XXXXXX/XX/XXXX and was deemed 100 % Permanent and Totally XXXX in XX/XX/XXXX. On XX/XX/XXXX I was granted a full property tax exemption as a result of being a 100 % XXXX veteran IAW Code Section XXXX Veterans- XXXX ( B ) ( XXXX ) ( A ). Around this same time, my XXXX XXXX assessor 's office sent me a check in the amount of {$2900.00}, refunding me the full amount of taxes paid based on my date of XXXX. On XX/XX/XXXX, I contacted PHH Mortgage to obtain the required steps to process my property tax exemption. I was instructed to submit the property tax exemption approval letter to PHH Mortgage Company Tax Department at XXXX. I was also instructed by PHH to deposit my refund check from the county assessor 's office into my escrow. PHH stated this step was required in order to re-do my escrow account and once my escrow account was re-analyzed, PHH would cut me a check for the escrow surplus. Approximately ten days later, PHH Mortgage sent me a refund check in the mail for {$2700.00} ( less than what I had deposited ) and is a few XXXX XXXX  short of what I should be refunded in total. When I reviewed my new escrow statement, it still included property taxes. I contacted PHH and the representative acknowledged they made a mistake. This representative stated the tax department only granted me a partial exemption even though my documentation states full exemption. The representative transferred me to a higher level manager who stated she would contact the tax department to have it resolved. Today, XX/XX/XXXX, the higher level manager contacted me, stating the tax department will only grant me a partial exemption and I will not get refunded for the taxes I've already paid for XXXX and my escrow will continue to include property taxes. I told this manager I don't understand why this is happening when my documents clearly state 100 % exemption and the document is an official document from the SC state Department of Revenue with their contact information. I would also like to note you are not able to speak to anyone in the tax department, only customer service. Each time I've called, I am presented with a representative I can't understand due to language barrier, etc or they do not know what to do. When I called today, the representative was flushing the toilet. I could literally hear this in the background. When I asked her to transfer me to the higher level manager named XXXX, the representative had no ability to transfer me to anyone. XXXX had just called me and when I returned the call, it was this representative who answered. PHH owes me several XXXX dollars and a correct escrow account statement.