23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX  credit rep. I saw THIRD PARTY SUPPLIED Information. 
It was submitted without my consent, and in violation of my identity privacy rights. 
There was too much too confidential information. 
I called to CHEX SYSTEMS.com co. who supplied this THIRD PARTY INFORMATION for XXXX. 
I spoke with XXXX, Employee # XXXX. 
Her number is XXXX. 
CHEX SYSTEMS is XXXX. 

XXXX Is in XXXX, MN. 
I explained that I am very very disturbed by what I see on XXXX  about my home. 
That it looks like someone wanted to lend me money for a car, against my home maybe? 
The company is XXXX XXXX. 
But I dont know who they are and never heard of them. 

I also never ever received a CONSUMER REPORT from CHEX SYSTEMS .com. 

XXXX asked me if I received a Consumer Disclosure report from CHEX SYSTEMS? 

I told to her, that I did not receive Consumer Disclosure Report from CHEX SYSTEMS. 

She promised to mail it to me. 

XXXX initiated a DISPUTE today to investigate who XXXX XXXX are and why they requested so much information about me. 

I t is my understanding that Chex System can not remove THIRD PARTy SUPPLIED INFORMATION from my XXXX  Credit Report. Yesterday Federal Trade Commission 's agent XXXX told to me, that I must contact only Consumer Financial Protection Bureau to help me to remove or dispute unwanted or double or irrelevant to credit report information about me. 

XXXX Id # XXXX from CHEX SYSTEM also advised me to file a POLICE Report, to go to POLICE and file a report about IDENTITY Theft or that someone is trying to get information -- too much information about me and my home, and report this to the XXXX XXXX POLICE what I intend to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX   XXXX, WA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Midland Credit Management for inaccurately reporting information on my credit report. Importantly, I want to emphasize that I have no knowledge of, and have never entered into any contractual agreement with this company. I have neither given written nor verbal permission for Midland Credit Management to obtain my private personal details and therefore, I am not legally obligated to them in any way, shape, or form including through or by any means. 

This egregious violation of my privacy is causing significant emotional distress, as I am not unaware of any connection or affiliation between I, myself, as a natural person and consumer to Midland Credit Management. This account is a result of Identity Theft. They are violating 15 U.S. Code 1681c-2 which deems them to block the reporting of 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.

My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. This identified account is not related to any transaction by me as the consumer. I demand that the reporting of this information be blocked and deleted expeditiously.
Product: Mortgage

This mortgage was through the XXXX XXXX, Florida branch. Didn't know if you wanted corporate address at the end or the branch I dealt with. 

Summary : Interest Rate lock expiration date, used to extend rate lock when builder doesnt finish on time, and the fee the mortgagee pays.

Which rate lock expiration date do you use, the one in the initial loan estimates, or one generated from app before closing, or the one in your signed closing papers?

The mortgage company was at fault for the delays.

Why should the mortgagee have to waive all rights in order to get the extension?

I had a 30 year fixed 3.75 % mortgage. I lost that because my builder didnt complete on-time and I was unable to sign the rate extension documents. I would have had to sign documents saying I agree and waive all my rights to question fees, etc. I did not agree because I felt XXXX XXXX did not follow the rules on the rate lock form which said The rate lock period ( inclusive of the Rate Lock Date and the Rate Lock Expiration ) must be long enough to cover the time necessary to complete the construction and satisfy all necessary steps to modify into the permanent loan. The rate lock document and initial disclosure package ( including LOAN ESTIMATES ) were processed XX/XX/year>. I had also requested that they use the terms of the construction agreement, which would have been lower, but they wouldnt. 

At the time XXXX XXXX processed this document, it is my understanding that he had hired XXXX XXXX to take over the previous employees accounts, that she had no construction experience, but she would be mentored by XXXX XXXX and his group. 

XXXX XXXX introduced herself in an email XX/XX/year> and also informed me all financial documents would have to be resubmitted because the XX/XX/year> documents were too old to use. 

The single-close construction through refinance closed XX/XX/year>. When my builder failed to finish the build on-time, XXXX XXXX used the original documents dated XX/XX/year>, to determine fees. He did not use the XX/XX/year> documents to calculate the rate lock extension fees. 

The delays in closing were caused by Waterstone Mortgage, not me.

I found several documents online that are similar, delays in closing, rate lock extensions, etc. Ive copied a few links below. 

XXXX XXXX XXXX XXXX XXXX XXXX Im probably including too much documentation, but I want someone to realize what I have gone through from the day I started the mortgage process with Waterstone Mortgage, whose corporate offices are in my home town, to now.

s.
Product: Checking or savings account

On XX/XX/2020, Capital One Bank tried to cash a post-dated check issued by me, without checking. They rejected the check and charged a NSF fee even though the account showed sufficient balance. 

They never bothered to check with me regarding NSF. On being contacted, their only excuse was that they did *nothing illegal*. 
. 
On XX/XX/2020, the bank charged {$0.00} for overdraft, though the balance has always been positive.
Product: Bank account or service

My family booked a room for two nights direct with the XXXX website for XXXX Arizona. However, it required joining their Wyndam Rewards club. Did that and it promised to give a XXXX dollar credit if I also applied for the Wydam Rewards Visa card issued by Barclays Bank Delaware. I checked to do that and apply the credit. No such luck. Instant denial with a XXXX credit score at XXXX XXXX ( the one they used ). Booked anyway since was my birthday get away. 

Two weeks and a day later, the credit denial letter came. But, the motel room was not acceptable and we stated at the counter we could not stay in such a horrible room another night and asked to be let out of a reservation for the second night. Manager/owners refused. 

XXXX and XXXX companies are playing the game and will not stand behind their quality policy which is readily available. XXXX was on bathroom door. Sheets dirty and soiled. The worse part was my side of bed had a sheet ironed which became brown and had a XXXX inch or so spot which was as course as sand paper # XXXX. A video shows and allows you to listen to the sound of this spot, ruining the use of the bed for the first night. 
XXXX The video says it all. 

XXXX XXXX
Product: Credit card

On XXXX a hard pulls on my credit showed up someone applied for a card on capital one
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an amendment regarding the block request I previously submitted requesting that the fraudulent information currently listed on my FTC reports be permanently blocked. As I've always stated, my information was compromised in 2017 due to the negligent procedures of XXXX. The additional information submitted comes from XXXX   acknowledging their egregious behavior regarding safeguarding my personal information.
Product: Mortgage

loan approved keep requesting doc and sending document o be signed no closing date loan started XXXX approved 2020 back and forth with the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received inquiries letter from XXXX, Discover, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX 's which I did not applied for any of these credit card and I am not sure where these inquiries derived from.
Product: Payday loan, title loan, or personal loan

XXXX   XXXX  called and left a message misrepresenting themselves as  XXXX   XXXX  for the civil litigation dept and that I will be served papers within 5 days. I called them back asking for  XXXX   XXXX  and the woman that answered the phone started asking questions and I told her that I have an attorney handling my debt consolidation and told her when I would be home next week to have the papers delivered so that I can forward them to my attorney. She then hung up on me
Product: Payday loan, title loan, or personal loan

I " purchased '' equipment financed through a company using Financial Pacific Leasing, XXXX XXXX. I believe they call this " leasing '' to avoid XXXX in XXXX Laws, but a brief review of complaints on XXXX show that they are financing, not leasing equipment, which was my experience. I negotiated a price with the company selling the equipment. They then brought paperwork to my office for me to sign. The price was printed, then crossed out, and I was told that the printed price was an error, but the agreed upon price was corrected ad written in by hand. I was told there was no interest as the financing was arranged through the selling company, which was selling used equipment, so that made sense to me. There was no mention of financing fees or interest in the documents. There were multiple places tro sign, all of which stated I was signing under my company name, not personally financing the equipment, which since it was for my company, also made sense. This is except for XXXX line that was sandwiched between XXXX places saying that I was signing as a member or officer of the company. That one line sandwiched in between stated that I was personally guaranteeing the loan, and they didn't have to come after the company for failure to pay, but would rather come after me personally. Of course, with any financial signing, I was told " sign here, sign here, and sign here ... '' Nothing was stated to me pointing out this one clause deceptively placed in the document. Later in the documents, there is an accounting of the payments and how long the payments will be made. I did not calculate this out as I trusted it would accurately reflect the price I was told I was paying. It did not. It was about 50 % more than what I was told I would be paying ( this is the same complaint as all the other complaints on the XXXX ). Now that I can't pay due to effects on my business of Covid, I am attempting to resolve this, and I am told that I still owe more than I originally agreed to pay, even though I have already paid 50 % of the original agreed amount. XXXX says the additional amount is " interest '', and that the amount I agreed to pay was the amount XXXX agreed to pay for the equipment, not what my cost was. When I asked for copies of the documents they had, they could not furnish me with copies of the document showing the original total amount I was to pay. I have this document, but they tell me this is irrelevant, and that the only amount that matters is the payments I agreed to make. They say they are going to repossess the equipment, but that I will still owe the same amount, and that I personally guaranteed the loan, so they are coming after me and not the company.
Product: Credit reporting or other personal consumer reports

I am disappointed that my information has been compromised by identity theft. I am trying to buy a house for my family, and this has put a series of holes in the process. By the FCRA 15 U.S.C. 1681G, my information should be safe and secure, and I see that it is not. My information has also been involved in a breach. According to section 605B of the Fair Credit Reporting Act, consumer reporting agencies are required to remove fraudulent information on a consumer credit report if the consumer claims it was the result of identity theft within four day of receiving the information. 

The companies are following the laws and FCRA laws which is a potential liability for up to {$1000.00} per violation FCRA Section 604 ( A ) ( 3 ) FCRA Section 623 FCRA Section 605 ( c ) FCRA Section reinsertion ( A ) ( 5 ) ( B ) ( ii ) I expect a prompt response to this matter, and I urge you to address these violations to avoid legal proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have received a letter from Transworld Systems Inc and I do not know who that is. They are telling me I owe them a debt and 15 usc 1692 ( b ) ( 2 ) says debt collectors are not allowed to say you owe a debt. I have never done business with them before and this is a written refusal to pay. In their initial communication they did not disclose why this debt is valid pursuant to 15 usc 1692g. They are breaking the federal law.
Product: Debt collection

An ambulance company ( nobody now is clear on whether it was XXXX XXXX in XXXX XXXX, from XX/XX/XXXX ; or XXXX, from XX/XX/XXXX ; anyway ... ) sold a debt to Grant Mercantile Agency ( XXXX XXXX XXXX ; XXXX, CA XXXX ; XXXX ). If in fact I was in an ambulance of theirs for any reason, and that is indeed how they collected my information, the point is, I have had Medicare since XX/XX/XXXX and they would have covered any ambulance pick-up or transport -- THIS IS NOT MY DEBT! I had insurance, they knew it, and I never should have been personally billed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking XXXX, Experian, XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
According to the 15 USC181i- Experian XXXX XXXX have 30 days to investigate and send me the results. And they also didn't record the current status of the disputed information which is another violation. I have all the evidence attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed it 's database to be breached and my personal information which may have included my name, Social Security number, birth date, addresses and drivers license numbers and/or Credit card numbers. The unauthorized access occurred from mid-XX/XX/XXXX through XXXX 2017. As of now no accounts have been fraudulently opened in my name as far as I can tell.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is in violation of reporting an account ( XXXX XXXX ) that is past statue of limitations. I've sent dispute letters ( with my identity ), follow up letters ALL certified and even called to have this account removed. They have yet to remove this account!
Product: Debt collection

On or about the last week in XX/XX/XXXX, I called Midland to pay my XXXX collections in full. They referred me to the Law Offices of XXXX XXXX XXXX. I called the law offices to obtain the payoff balance which was {$600.00} and made arrangements to pay it in full by XX/XX/XXXX. On Friday, XX/XX/XXXX, I called the law offices of XXXX XXXX XXXX and made a phone payment in full via my checking account in the amount of {$600.00}. The deb collector on the phone told me that a lawsuit had been filed, however, I had not been notified or served and she stated that the lawsuit would be dismissed and I would receiving a paid in full letter and also documentation that the lawsuit would be dismissed and removed from public record. 

Throughout the month of XXXX, I have been receiving daily robo calls from Midland attempting to collect on this paid in full debt. 

Yesterday, XX/XX/XXXX I pulled my credit report. XXXX is still reporting this debt as outstanding with a {$55.00} balance, even though it was paid in full on XX/XX/XXXX. 

Today XX/XX/XXXX, I called the Law Offices of XXXX XXXX XXXX, and was told that my account was paid in full. However, they have not dismissed the lawsuit and the rep on the phone refused to give me a time frame in which they would dismiss it. She said they would not vacate the judgement. She also said her office would not be sending a paid in full letter. 

I am reaching out for help because Midland has been in trouble with government and CFPB before for unfair debt collections practices. This is a debt that was paid in full that they are still attempting to collect on, which is negatively impacting my credit. 

Both Midland and Law Offices of XXXX XXXX XXXX ( which is just a shell company for Midland ), need to be held fully accountable.
Product: Checking or savings account

We moved to east coast and do not have a physical Union Bank branch available to us so we called UB @ XXXX on XX/XX/XXXX and told XXXX ( extension # XXXX given to us ) in XXXX TX that we wanted to close our checking acct ( # XXXX ). We called UB again on XX/XX/XXXX and spoke to XXXX ( id # XXXX given to us ) in XXXX TX. XXXX verified that we had {$55.00} in our acct and that we would be charged for a cashier 's check to be sent to us for the remaining amount in our acct. We did not want to pay for a cashier 's check but XXXX told us that we had already been charged for one. We then spoke with XXXX ( refused to give us an id # or extension # ) in TX ( refused to say what location in TX she was in ) and she told us a check was sent to us on XX/XX/XXXX. We felt she was lying to us b/c we first called UB on XX/XX/XXXX to close our acct! We called UB again on XX/XX/XXXX and told XXXX ( id # XXXX given to us ) in XXXX that we had not received a check from UB. XXXX verified that our acct was closed on XX/XX/XXXX and told us that it takes 7-10 days to receive a check for the remaining funds in our acct after it is closed. We called UB again on XX/XX/XXXX and told XXXX ( id # XXXX given to us ) in XXXX TX that we had not received a check from UB and she told us that we had to go into a branch to close our acct. We told XXXX that we were on the east coast and there are no physical bank locations here for regular customers! We then called XXXX XXXX whom we originally opened our acct with @ the XXXX XXXX CA UB branch. XXXX told us that a check was sent out to us and we told her that we had not received one. After some going back and forth with XXXX, she asked for our phone number and told us that she would call us back but she never did! We called UB again on XX/XX/XXXX and told XXXX ( id # XXXX given to us ) in XXXX that we had not received a check from UB and all she did was continue to put us on hold while she tried to find out what was going on, never giving us an answer. We called XXXX @ the XXXX XXXX CA branch again today ( XX/XX/XXXX ) and told her that we had not received a check from UB. XXXX told us that she had spoken to customer service the first time we called her and they told her that we had called them after we spoke with her. We told XXXX that we did not do that. XXXX continued to accuse us and told us that she could not do anything for us. We asked her if we should just go to XXXX and she said that she was trying to help us. We told XXXX that we did not feel that she was trying to help us! We told XXXX that we wanted our check. When she raised her tone of voice, we hung up on her and decided to make this complaint. We are tired of being lied to and getting the run around from Union Bank!!!
Product: Debt collection

Radius Global is attempting to collect a debt that does not belong to me. In addition, the debt doesn't belong to Radius Global. They have repurchased a fraudulent debt after, the debt was verified as not mine by all other Radius Global collection affiliates.
Product: Debt collection

I was threatened to be sued and put in prison for things that I have no hand in. I shouldn't owe anyone anything. I have been hassled for at least 4 years for loans that were taken out by my ex wife.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 I submitted my dispute in regards to the following XXXX XXXX XXXX XXXXXXXX They failed to follow the FCRA LAWS Specifically XXXX. ) - [ ] Complete the investigation within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ).

2. ) - [ ] If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ) 3. ) - [ ] Promptly modify or delete the information, or block its reporting add statement such as customer has disputed the validity of this item Section 623 ( b ) ( 1 ) ( E ).

As well as the 15 usc 1681s-2 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

NO STATEMENT was added nor did they reply promptly in 30 days or update the item.