23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

First contact from " collection agency '' Natrional Credit Systems, XXXX XXXXXXXX, XXXX XXXX XXXX was a letter dated XX/XX/XXXX. 
Letter stated they were collecting a debt for " The XXXX Apartments '' I did at one time live in The XXXX Apts., however I moved out on XXXX XX/XX/XXXX, having paid rent through XX/XX/XXXX. 
Until I received the letter from National Credi there had been no contact made with me concerning any " debt ''. 
National Credit claims they are attempting to collect a debt in the amount of {$1800.00}. No explanation gives as to what the debt concerns?? 
Also, National Credit has already reported the debt to all three Credit Bureaus, without any previous contact with me to resolve the situation. 
I have also filed a complaint with the XXXX  Atty. General regarding this " case ''. 
I have researched XXXX Credit Protection Laws and can find NO documentation that National Credit has filed a Surety Bond allowing them to do business in XXXX ...
Product: Debt collection

This account has appeared on my credit report and, despite attempts to dispute, I have received no information proving I owe this debt. I was never in the emergency room in XXXX of 2017. I have had insurance at all times during the time they allege I incurred a debt. I am providing a true and correct itemized list of claims submitted on my behalf
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting items as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Discover repeatedly debited the wrong bank account even after I updated my account with a new bank account, and despite my autopay, they never informed mevia email or writingthat the payment was not going through. They reported my account as " delinquent '' without informing me of the problem and refused to update my credit report.
Product: Credit reporting, credit repair services, 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 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 which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I was trying to buy parts on XXXX and sent money through Wells Fargo transfer, after the transfer the seller just blocked me and no response, I called my bank Wells Fargo and told them the situation. I sent money thinking I'm safe because its a bank transfer but im out of money and no parts either, please help me get my money back. I sent XXXX $ on the XX/XX/2019
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # 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 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, credit repair services, or other personal consumer reports

They said they would flag the account as fraud
Product: Debt collection

A debt occurred in my name only on XX/XX/XXXX. In XX/XX/XXXX my debts, including this one was discharged in Bankruptcy court in Oregon. in approx. XX/XX/XXXX I received a collection letter for the XX/XX/XXXX debt. I sent them a letter stating the debt was discharged. The Doctors office sent another collection letter, via a collection agency, to my wife who was not a patient of the doctor and was only listed as another person living in the household. She has never signed any agreement or been in the doctors office at all. 
We sent a letter telling the collection agency that the bill was not her 's. 
The collection agency sent a threat of legal action letter in response.
Product: Mortgage

I requested Chase to remove private mortgage insurance ; they conducted an appraisal and determine my home 's value to be much lower than it actual is. There are properties in my neighborhood selling for {$310000.00} without a swimming pool. My house has a swimming pool and is identical to house in size and build date and Chase appraised my house for less than {$310000.00} because they do not want to remove the PMI. The county tax assessor 's office tax assessed my house at a higher price than the houses without swimming pools but Chase fails to acknowledge this fact.
Product: Mortgage

I have tried several times to modify my home loan with my mortgage servicer, Residential Credit Solutions. Much to my dismay, but not surprise, they have denied me. In my first attempt years ago I fully understood why ; their calculations, ability to find and / or put me into the right modification program. However on this recent last round my income increased making it possible to receive a modification and yet I was still denied. Upon my internet research I discovered that they have been fined through CFPB, and others have stated that this mortgage servicer uses bad practices and never gives modifications. I also discovered that they are a type of home loan warehouse. This is meaning they collect loans ( homes ) and try to possess them in order to sell them off for their profitable benefit. For them extending a modification to struggling homeowners is not in their interest. They take months upon months to complete the process. I was originally told they would take anywhere from 45-60 days. It took 6 months ... and I used a housing counselor. 

Is there anyone controlling and checking their behavior and / or true ability to help homeowners receive an affordable payment? Knowing they they have a huge history in dissatisfied customers and complaints what can be done? 

If anyone else has similar experiences with Residential Credit Solutions ( RCS ) please write in and share your story, but most of all file a complaint. They are run by execs who have in their previous employment been fined, brought up on charges, and convicted of bad practices. This is an awful company!
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you guys for reading my complaint. On XXXX I sent a letter to all three major reporting Credit Bureaus . And I did not get a response from any Major reporting bureau. I was able to get one account closed on Equifax which was a charge off from a car which the car was wrongly taken from me through the finance company. And a charge off XXXX balance account from XXXX XXXX that was closed on my XXXX. I checked my status regarding the letter dispute I sent to XXXX, and XXXX has only documented that a dispute was filed on XXXX, and XX/XX/XXXX.The delivery date was XXXX for the letter I sent in the mail. I also disputed on XX/XX/2021 using XXXX XXXX, and the status of that is that account is still in review. The letter I sent to XXXX was sent on XXXX, and only one of the five accounts were removed. The other four accounts on that letter I asked XXXX to verify were not removed, and were not verified. And I did not receive a response from the bureau via mail, nor email, nor account update regarding the other four accounts. This dispute has lasted over 30 days, and I feel as if the only way this can be resolved outside of small claims court is to get those four accounts on my XXXX letter removed. Due to the Fair Credit Reporting Act. I have attached the original letters I sent to XXXX, and Equifax. And proof of the letters being sent off via US Mail. I also have attached screenshots of the one account that XXXX finished disputing, and the account its still working on. Also want to dispute Equifax for not removing any accounts except the that was placed as a charge off. I have also attached my non reponse letters I have sent to both credit bureaus via mail. Thank you guys so much for your help. I really appreciate it so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX should not be reporting a balance of {$390000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was sold to XXXXXXXX XXXX XXXX XXXX XXXX needs to report a {$0.00} balance. This duplicate reporting of a balance due is seriously harming my credit score and this line item needs to be updated. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus, as well as XXXX to fix this however, I have not been successful.
Product: Checking or savings account

In XX/XX/2021, when reviewing mine and my husband 's checking account, I saw a {$250.00} check that wasn't ours, deducted from our account. The check contained another person, their address in FL and the writing was completely different than either my husband or my hand writing. 
In XXXX, when my husband notified USAA of the error, they initially said they would look into the issue and refund us the {$250.00}. After a few weeks, they stated that yes, the check was from another USAA member and was not from our account, however, they would not refund us the money since they stated it was past the time to report errors. ( The check was written XXXX XX/XX/2021. ) Twice my husband has called USAA to request they fix the error, and they admitted both times, it was their error, however, they stated too much time had passed and they will not give us our money back. 
This has been very scary since our bank has admitted to making a mistake but will not rectify the problem. And our account isn't new, we have been banking ( checking and savings accounts ) with USAA for over 20 years.
Product: Debt collection

XXXX XXXX XXXX, is collection agency. I owed a balance of {$1800.00} to XXXX XXXX. The balance was full paid XX/XX/XXXX. They reported this account again, XX/XX/XXXX. I have made multiple requests to for account to be deleted from my credit reports. This is having a negative effect on my credit rating.
Product: Debt collection

XXXX XXXX XXXX XXXX I seen this debt on my credit report so I contacted them on XX/XX/XXXX spoke with representative and asked to settle this account for 50 % of {$450.00}. She replied saying she would check with XXXX, I was placed on hold when she returned her reply was with instructions to email her XXXX with this agreement, I did this was XXXX when I sent email. I received response back stating I must have payment in office by no later than XX/XX/21 or the agreement would be void and do I agree. I sent email back stating I dont agree I need time and me reaching out to them on my own free will was to see if they would even accept my offer to pay 50 % of debt and thought after they accepted we could work out a time and date frame too when they could expect payment. Which in email I stated before or by XX/XX/XXXX the latest. I also reminded the XXXX we are in the middle of major pandemic. 

People have lost jobs and some have had hours cut, I fall in that category as a front line worker I would think they would be respectful and pleased that someone is taking some responsibility to try and settle their debt. Companies of this sort are purposely holding people back keeping them from being able to move forward. I feel there response was a passive aggressive response and it make me think how many others they are treating this way using this bully tactic.
Product: Credit card or prepaid card

On Tuesday, XX/XX/2023, I received an email from XXXX XXXX Transaction Trust Account informing me that my appeal on the previous denial of purchase protection of a lost item, claim # XXXX was denied. The reason they provided was that " facts regarding the exact location of loss at the venue are unknown, '' and don't meet their definition of lost : " Involuntary and accidental parting with property means the unintended separation from an item of personal property in which the item 's location is known but recovery is impractical to complete. '' There reasoning makes no sense as the items location is known, the venue I attended, and recovery is impractical as it required searching through all the venue 's garbage.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts ; XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$810.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1300.00} ), XXXX ( Date opened XX/XX/XXXX, Original amount {$1500.00} ), XXXX XXXX XXXX  ( XXXX XXXX XX/XX/XXXX, Balance {$340.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Credit limit {$3000.00} ), XXXX XXXX ( Date opened XX/XX/XXXX, Credit limit {$100.00} ), XXXX XXXX  ( Date opened XX/XX/XXXX XXXX Credit limit {$100.00} ), XXXX XXXX XXXX  ( Date opened XX/XX/XXXX XXXX Credit limit {$800.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I contacted TransUnion LLC on several occasions to have the fraudulent inquiry removed from my credit profile. TransUnion LLC refuses to remove the fraudulent information. I provided them with a letter stating that the XXXX XXXX inquiry made to XXXX XXXX XXXX XXXX XXXX was deemed fraudulent. TransUnion responded by sending me an Explanation Of Inquiry letter. 
XXXX. XXXX XXXX XXXX XXXX XXXX failed to request removal of fraudulent information.
Product: Mortgage

Fifth third bank reported the wrong amount owed on my mortgage, of {$260000.00} approx. then a few months later the reported the correct amount of XXXX approx. which dropped my scores by XXXXpoints. They did a modification on my mortgage and I am only paying interest on XXXX.
Product: Credit reporting or other personal consumer reports

I'm writing you today to dispute negativity on my credit report. The following accounts listed below do not belong to me and need to be deleted or blocked. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In the statue I noticed you require documentation. I contacted my local law enforcement office and they informed me they no longer report these crimes. They instructed me to go to the website identitytheft.gov & fill out a report online. I was also instructed to inform my bank. My bank is fully aware of this issue & has agreed to remove the items but need you to assist in the process. I'm including this report in my letter to help substantiate my claim. 

I request that you conduct an investigation into the these accounts and promptly remove them from my credit report. Please inform me if you require any additional information or documentation from me to facilitate this process. Thank you for your prompt attention to this matter.
Product: Credit reporting

Equifax has not removed a fraudulent XXXX/XXXX account from my credit report even though i have filed a FTC Identity Theft Affidavit/Report ( OMB control number XXXX, FTC reference number XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX XXXX XXXX when they were under XXXX XXXX a settlement of {$10000.00} to stop harassment and calls to me and my co-signer XXXX XXXX. Basically XXXX XXXX ( XXXX ) was already close so my money went unknown, All XXXX credit agencies still report the amount that I owe student loan and it is from XXXX XXXX. XXXX XXXX then became XXXX who have a settlement of all debts to be cleared but this is still reflecting on all XXXX credit reports. I have also asked for the agencies to remove all address except XXXX. I was also in the class action for equifax and XXXX XXXX for my information/identity leak. I worked for XXXX and was an XXXX XXXX
Product: Mortgage

I applied for loss mitigation/loan modification & I thought my servicer ( Shellpoint ) could help. The new payments are {$350.00} higher than previous payments & I thought these agencies try to work with homeowners but I was told " we don't negotiate with homeowners ''. I'm XXXX & have equity in my home. I researched & this house would sell between $ XXXX, XXXX believe I owe around {$180000.00} so I'm just trying to understand why the payments would go up instead of the servicer keeping payments affordable. Raising it by {$350.00} doesn't help me a bit.
Product: Student loan

My servicer, Great Lakes, will not allow me to make extra payments that pay down my principle ... instead they say that I am " paid ahead, '' meaning I have made future monthly payments of interest and principle. Is this right?