23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I had no choice except to follow my lawyer 's advice for filling XXXX XXXX Bankruptcy to stop foreclosure initiated by XXXX XXXX, counsel for Real Time Resolutions , Inc . I had only a few hours to comply with the requirements for filing XXXX XXXX bankruptcy in an expedited electronic filing with the United States Court. XXXX XXXX tricked me in early XXXX of XXXX into postponing the hearing, scheduled at the County Courthouse for a temporary injunction by the court to stop collection activities and take the case to jury trial. 

To become a lawyer, one has to go through an extensive law school, learning all sorts of subject studies, including ethics and upholding justice for all. In fact, that is not the case for this lawyer. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) and his associates, XXXX XXXX XXXX ( Real Time Resolutions ) and XXXX XXXX ( Director of Loss Mitigation at Real Time Resolutions ), XXXX XXXX ( XXXX XXXX Firm Trustee ), are crooked, dishonest, greedy. They conspired to commit approximately multiple felony counts of California Penal Code 115 by viciously and intentionally inflicting harm to my family and me to take away everything that I had worked hard for the past XXXX years. It was like pointing a XXXX XXXX XXXX XXXX  in a XXXX XXXX compared to the foreclosure proceedings scheduled for XX/XX/XXXX. 

On XX/XX/XXXX, when the fraud was discovered with the help of a judge in XXXX XXXX XXXX XXXX XXXX for checking at the Recorder Office, I immediately filed a complaint with the District Attorney 's Office. I swore to the investigator, XXXX XXXX XXXX, " I bet my life that I am a victim of fraud. '' He looked at my eyes and told me he was a criminal investigator, but he had no experience in real estate crimes. 

Anyway, I intend to fight this case until justice prevails. XXXX XXXX XXXX and his associates risk felony charges, banning from practicing laws, and a hefty jail time and fine if all of you are still pretending to act viciously to massive fraud due to greed and dishonesty. 

Sent from my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts in XXXX to offset the balance of debt the accounts claim I owe. All of the accounts refuse to accept the some or all of the payments I sent them to offset the debt. As a result my credit scores have been negatively affected and severely hindered the ability to act in commerce! 

So in accordance with the Fair Credit Reporting Act, the accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to all the U.S. Codes : 15 USC 1681, 15 USC 1691, 15 USC 1692, 15 USC 1602, and 18 USC 894. 

The Credit Furnishers are using my TRADENAME without my express written consent is in violation of the Michigan Legislature - Identity Theft Protection Act 452 of 2004 - MCL Section 445.65. 

The Names reported : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX The accounts and balances in question are listed below : XXXX XXXXXXXX- {$29000.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX - {$14000.00} XXXX XXXX XXXX XXXX {$33000.00} XXXX XXXX - {$1600.00} XXXX XXXX XXXX XXXX - {$780.00} The ( credit furnishers ) have blatantly violated my consumer rights and acted in restraint of trade which is in violation of 15 USC 1 and 15 USC 2.

Also, it clearly states under Fair Credit Reporting Act ( FCRA ) section 604 ( a ) ( 2 ) that a consumer reporting agency can not furnish an account without my written consent.

15 USC 1681c ( a ) Section ( b ) states, no consumer reporting agency may make any consumer report contain any of the following items of information.

( 5 ) Any other adverse items of information other than the records of convictions of crimes that antedates the report by more than seven years.

15 USC 1681s - 2 ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am writing in reference to the account with XXXX XXXX XXXX located at XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX, which you claim I owe {$21000.00}. Pursuant to 15 U.S.C. 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you cease all communication with me regarding this debt. 

This request includes, but is not limited to, communication by phone, email, or mail at my home, workplace, or any other location. Please note that this request is made in accordance with my rights under federal law. 

Additionally, I request that you not contact any third parties in relation to this matter unless permitted by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Bureaus never did a proper ''investigation '' according to the FCRA . 


Th term ''investigation consumer report '' means a consumer report or potion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report The Credit bureaus stated my account was properly investigation, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.

They also violated the law because according to 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 I did not give nobody written instructions
Product: Credit card

I am writing to formally address and rectify an issue of incorrect reporting on my credit profile by Bank of America concerning a charge of {$240.00} in XX/XX/XXXX. 

I have consistently made timely payments on my account ( account number : XXXX ) since its inception. My payments have been set up on automatic payments to ensure punctuality and accuracy. However, due to an error in XX/XX/XXXX, a payment was missed. This error was not brought to my attention until XX/XX/XXXX, as Bank of America had an outdated address on file, which prevented me from receiving any notifications about the missed payment. 

I kindly request that this error be corrected on my credit report, as it does not reflect my consistent payment history and was due to circumstances beyond my control. Please update my credit profile to accurately reflect my payment history and remove any negative reporting related to the {$240.00} charge in XX/XX/XXXX.
Product: Debt collection

The company CB Indigo is reporting inaccurate and misleading information to my consumer reports. Ive contacted the company regarding a validation notice for inaccuracies and have not received any written correspondence. CB Indigo failed to maintain reasonable procedures regulated by law and ignored my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to notify these companies of the proven ID theft I was a victim of with my FTC report and I did not even receive responses from most of the companies who allowed fraudulent accounts opened in my name. 
I am now notifying them and you publically of the error and asking for removal NOW.
Product: Credit reporting or other personal consumer reports

Credit Collection Services obtained my personal information without my consent. I have no knowledge of the company/person. I do not know who this person/company is. I have never did business with this person/company, nor did I ever agree to do business with this person/company. There is no signed contract, and I am not responsible for any alleged debt with this person/company. I did not agree to any type of communication with this person/company.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX where I obtain a cashier 's check in the amount of {$14000.00}. 
I deposited into Bank of America that same day at Bank of America ATM .... I discovered MondayXX/XX/XXXX that there was a 10-day hold on this cashier 's check .... looking at the receipt it stated that the reason for the hole on the cashier 's check is because of a possible return. I call XXXX XXXX and they said it was an excessive amount of days to put a cashier 's check on hold because it's guaranteed and the money was definitely in my account when I got the cashier 's check drawn .... as a matter of fact they would have given me the cashier 's check had the funds not been available in my account. XXXX XXXX told me to tell Bank of America if they need to call and verify the funds do so and they would verify ... XXXX Bank of America would not call XXXX XXXX .... as a matter of fact I spoke with a supervisor by the name of XXXX who continuously told me that there was nothing Bank of America could do about holding this cashier 's check for 10 days I also spoke with a customer service rep by the name of XXXX who said the same, nothing they could do. 

I called one last time to Bank of America yesterday XX/XX/XXXX to confirm that they still would not take the whole off this cashier 's check because I have gotten behind in my bills I had very important Financial obligations I needed to take care of I lost out on a very good deal of an automobile I needed and they would not answer the phone ..so I called back again and I left my option in the automated system to get a call back in 30 minutes ... when they call back I press 1 to accept the call and the system hung up the phone ... I never got to speak anyone on the second attempt of confirming they were going to hold this cashier 's check another 3 days. 
I said to the supervisor why don't you put a disclosure note at the ATM machine about cashier 's check if you're going to hold them for 10 days ... .a cashier 's check is guaranteed.. in other words I truly believe discrimination here ... I am a XXXX man I have had more problems in Arizona than anywhere in the world and I've been over 45 different countries during my XXXX  career and not once have I experienced as much as I have here ... I would like the most firmest legal action taken for this matter that's possible. My
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in violation my consumer rights by reporting inaccurate information about me.. I have contacted on Equifax, on XX/XX/2022 never heard anything, sent a second letter on XX/XX/2022 still waiting for an answer but willful violations occurs. I am victim of ID theft due to Equifax data breach. 

account name : ( XXXX  ) account number XXXX account : ( XXXX XXXX  XXXX ) account number XXXX account name : ( XXXX  ) account XXXX
Product: Mortgage

This is concerning loan # XXXX with R.M.K.FINANCIAL CORP. D/B/A MAJESTIC HOME LOAN. IN XXXX I COMPLETED A LOAN APPLICATION AND WAS EXPECTING TO CLOSE THE LOAN IN XXXX, 2016. AT THAT TIME THE CLOSING COSTS WERE APPROXIMATELY {$10000.00} AND WE WERE GETTING AN ESCROW CHECH FOR APPROXIMATELY {$1000.00}. THE LOAN DID NOT CLOSE IN XXXX AND FINALLY CLOSED XXXX XXXX, 2016. CLOSING COSTS HAD RISEN TO {$14000.00} AND THE ESCROW CHECK WAS {$56.00}. I WAS NOT ASKED FOR ANY FURTHER INFORMATION DURING THIS PERIOD AND CAN NOT UNDERSTAND WHY THE LOAN TOOK SO LONG TO CLOSE AND THE CLOSING COSTS ROSE {$3000.00}. WOULD APPRECIATE YOUR LOOKING INTO THIS MATTER. SINCERELY, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL. XXXX TEL. XXXX E-MAIL XXXXXXXXXXXX. XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

During the recent hurricane and extreme heat season my home was overwhelmed by a number of electric issues. I care for my XXXX year old mother so extreme heat and ability to refrigerate her medicine is an issue at all times. My electricity went out for a number of days which caused me to have a technician come out to my home. The tech was alarmed to find that my electric wiring was in such a terrible state that he didn't feel safe leaving without doing a major overhaul of the home. The tech claimed that the home was a fire hazard and that any competent inspector would have declined to approve the home for sale in such a state. I explained that home was bought less than 5 years ago and he said the issues would have been terrible for at least a decade. I tried to contact my mortgage company to find out who inspected the home and why they would put my family in this type of danger. Rushmore loan management has refused to provide any info and also has stonewalled my request that I made through legal representation. I feel that as a Veteran the homes that are sold to us should not be a threat to XXXX  us or our family. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased a prepaid PayPal Mastercard on XXXX for {$110.00} of which {$2.00} was the stores service fee. An additional {$4.00} was charged as PayPals monthly fee. This left a total available balance on the card of {$110.00} and this was confirmed with PayPal. On XXXX XXXX, 2022 I attempted an online purchase for the amount of {$100.00} and the card was declined. I called PayPal customer service and questioned why the card was declined even though there was more than enough and I was not given an answer, just the suggestion that I deposit more money on the account. I told the rep there was no way I was going to do that because the monthly fee had already been taken out four days prior. I then asked to get all my money back and this was refused. I hope people read this because this is blatant theft and this company gets away with it.
Product: Credit card or prepaid card

My credit card purchase receipt from a vendor ( From : " XXXX XXXX XXXX via Square '' XXXX Date : XXXX XXXX, 2020 at XXXX CDT ) that uses Square was automatically sent by Square to my stepdaughter. My stepdaughter when questioning receipt of a transaction she never made spoke to me. I recognized the transaction as one I had made approximately - 2 hours earlier. My credit card acct. is through a credit union which she has no association with. The credit union has verified her non-association and opened an investigation. The receipt was sent to her email address which I dont even have, she lives out of state and her last name is not the same as mine. This straddles the line between credit card fraud, identity theft and a little illegal data mining thrown in. I have asked Square to explain this or send me a contact email or phone number so I can discuss this with them but have received absolutely no response from them.
Product: Mortgage

Carrington mortgage began servicing my mortgage in XXXX Since then they have done everything in their power to take possession of my home something I worked so hard to acquire I have a loan modification that started in XXXX from XXXX XXXX XXXXXXXX. XXXX XXXX dollars was set aside to be paid in XXXX but Carrington mortgage denied my loan modification In XX/XX/XXXX even though I was current on my mortgage payments they filed foreclosure paperwork The check that I sent them for XXXX was returned after 2 weeks They received the check on XX/XX/XXXX They forced me into foreclosure I had to hire an attorney who promised me that I would have my day in court That day never came XXXX I was infected with XXXX XXXX twice I was in the process of doing a Flex Modification with XXXX XXXX XXXX when I received a Sheriff sale notice Since then they want to add XXXX to my mortgage balance They said I havent made any payments The mortgage amount increases every month My taxes or Insurance have not increased They are not applying my payments They are charging the amount due after I make a payment I pay with customer service I have not made any partial payments I have had this home since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX, XXXX  Account number XXXX, XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX. # XXXX, XXXX XXXX Account Number 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
Product: Checking or savings account

XX/XX/2023 I try to send money to a relative in the XXXX XXXX dollars I found my relative email to use and send the money only later to learn they did not receive it I carefully look at the email it was missing a XXXX XXXX and therefore this might be why it went somewhere else I contact Zelle they said they cant stop payment to call next day and they would perform a reversed of payment no I look at my account no refund I contact XXXX XXXX on XX/XX/3023 they said they will contact fraud and they will issue credit that too was declined now I am out of XXXX they blame me what can I do this is scam
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following fraudulent accounts that have appeared on my credit report. These accounts were not opened or authorized by me, and I request that they be removed immediately from my credit report as they are inaccurate. 

The accounts I am disputing are as follows : XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX I have attached a FTC IDENTITY THEFT report along with this complaint also
Product: Debt collection

Notice of Violation of the Fair Debt Collection Practices Act ( FDCPA )
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For Innovis Consumer Assistance & Attorney General/Consumer Finance/XXXX.

RE : Request to Block Unauthorized Credit and Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. I have received a copy of a report from your system that lists numerous credit, bank and auto accounts assigned to my name, birthdate and Social security number, which I have been unaware of and have since asked the top three CRAs to investigate and have removed as well as Innovis, which I am alerting you of such at this time. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
This miscarriage of information has caused my life undue strain, hardship and debt, for which I do not owe and have never owed. Your company is aiding in distributing wrong, unidentifiable and fraudulent reporting. 
I have provided you with a copy of the Identity Theft Report and my identification. You are required, after being notified of such information, to investigate and immediately remove and block this information, without prejudice. You must provide documentation as of its accuracy or remove it immediately without prejudice. After such, a block and freeze will be placed immediately and I will be notified of this information via US Mail. 
XXXX XXXX XXXX ACCT : XXXX AMT : {$910.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$750.00} XXXX XXXX XXXX ACCT  : XXXX AMT : {$1000.00} XXXX XXXX ACCT : XXXX AMT : {$120.00} XXXX XXXX ACCT : XXXX AMT : {$3700.00} XXXX XXXX  ACCT : XXXX AMT : {$7700.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$1600.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$1900.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$1900.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$83.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$1600.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$1600.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$5000.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$3900.00} XXXX XXXX XXXX  ACCT : XXXX AMT : {$2700.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$6000.00} XXXX   ACCT : XXXX AMT : {$3500.00} Also, all of the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXL XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX I have enclosed my FTC Identity Theft Report. All fraudulent items have been listed above. 
I have continuously been in contact with XXXX XXXX, and XXXX via the CFPB. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : account not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/2016 Balance {$1300.00} Status Account charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a co-sign for someone in XXXX. I was attempting to buy a second home and paid the remaining XXXX for a loan I did not approve. There are negative marks on my credit.
Product: Credit card

I have made several attempts about a charged off account from Citizens one ( RBS ) bank. As this account has constantly been inaccurate, they are consistently destroying my credit report with unfair credit reporting. They have changed the information on the credit report XXXX different times in the past year alone, each time furnishing inaccurate and untrue information. I have disputed this multiple times with the credit bureaus. Further, they had a debt collector, XXXX, call my home an harass me at all hours of the night. Further they used inappropriate language telling me I am a " scumbag that does not pay my bills. '' They then threatened me that if I did not pay they were going to freeze my bank account and get me locked up in jail. The man I spoke to refused to give me his name and started to name all my family members insinuating that my family would be at risk if i do n't pay. 
XXXX XXXX 's address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NH XXXX according to XXXX. 
Further, I 've attempted to contact the company to remove this debt, but the only information I 've received from the credit bureaus is a phone number that is inaccurate. I 've been harassed and my credit worthiness has been hurt by this! I am including a snapshot of the phone number that they are reporting, which gives a disconnected line every time you attempt to call.