23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2021, I received a call from someone who identified himself as XXXX XXXX, a lawyer with CRS & Associates. He informed me that he had been trying to get in touch with my mother regarding a " bad check '' that she wrote nearly five years ago, and he told me that if she did not contact him, he would soon file a case with state court -- he did not mention which state. He told me that he was pursuing the debt collection effort now because the statute of limitation was 5 years, and it was nearly expired. He then said " I probably shouldn't be sharing this much with you, but ... '' and proceeded to tell me which bank that the check had been written from, and the check 's date, the email that my mother had allegedly used to sign the check, and he told me that he had contacted my mother 's place of employment as well. He also told me that he had contacted my father ( no longer married to my mother ). 

After the call, I contacted my father and found out that XXXX XXXX had also disclosed to him that he was making an effort to collect a debt. 

I learned that CRS & Associates was not, in fact, a law firm, but rather a debt collection agency. I also learned that the details which he revealed to my father and me over the phone were in violation of the FDCPA, which only allows debt collectors to request contact and location information from third parties. It specifically does not allow collectors to reveal that they are seeking debt repayment to third parties or to workplaces. 

I have found several reports of unscrupulous debt collection tactics by XXXX XXXX and by CRS & Associates as a whole, and I hope that this report of blatant FDCPA violation prompts an inquiry into their debt collection tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

After calling transunion 5 times and demanding that a fraudulent item that was previously removed from my credit report be removed again. I was told by 3 representatives that the account was not showing up on my report and was in fact removed. After Transunion sending over the updated credit report, the XXXX XXXX account was the first item on the list. I asked to be transferred to a supervisor and was disconnected every time. Secondly, not only did XXXX XXXX send a letter stating that they removed the accounts from my report, they NEVER sent me a letter stating that they were reinserting the fraudulent items to my report which is violation 15 U.S.C. 1681i. The item was reinserted on XX/XX/XXXX and I was never informed as of XXXX XXXX to the point that the representatives say that its not even there. XXXX XXXX has done the same. The item was removed. The account is in a totally different name XXXX XXXX and they have also reinserted a fraudulent and inaccurate account without notice on to all. Of my credit reports. Transunion has hired at home representatives that have dogs barking and babies crying in the background to handle personal and private information. They are a private entity that is handling our life altering information as if they are handing out free raffle tickets. Just their work ethic alone is a violation of FCRA laws
Product: Credit card or prepaid card

I didn't know my First Progress Credit card was stolen, from my previous address in the process of moving in XXXX. I have a balance of {$350.00} and reoccurring late payments that I did not know about. They closed the account but I am a victim of identity theft and credit card usage that's not my own. And the mail that they sent me says I have another past-due payment on XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and unverifiable negative information contained in my credit report issued by Equifax. This dispute is being submitted under my rights granted by the Fair Credit Reporting Act ( FCRA ). 
Upon reviewing my credit report, I have identified the following negative accounts that contain errors and must be deleted immediately : Negative Accounts with Errors and FCRA Violations 1. XXXX XXXX XXXX Reported Status : " Charge Off '' ( Should be reported as " Paid '' or " Settled '' ) Account Number : XXXX Violation : 15 U.S.C. 1681c ( a ) - Reporting obsolete information PLEASE DELETE THIS FROM MY CREDIT REPORT. 
XXXX. XXXX Reported Balance : {$63.00} ( Incorrectly reported as unpaid when settled ) Account Number : XXXX Violation : 15 U.S.C. 1681s-2 ( b ) - Failure to correct inaccurate information after dispute PLEASE DELETE THIS FROM MY CREDIT REPORT 3. XXXX XXXX XXXX XXXX ( Collection for XXXX XXXX ) Reported Balance : {$210.00} ( Paid, but still showing as active collection ) Account Number : XXXX Violation : 15 U.S.C. 1681s-2 ( a ) - Furnishing inaccurate information PLEASE DELETE THIS FROM MY CREDIT REPORT 4. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Reported Status : " Collection '' ( Incorrect as account was settled ) Account Number : XXXX Violation : 15 U.S.C. 1681e ( b ) - Failure to ensure maximum possible accuracy PLEASE DELETE THIS FROM MY CREDIT REPORT Legal Basis for Removal & Compensation Under 15 U.S.C. 1681i, Equifax is required to investigate and correct or delete inaccurate, incomplete, or unverifiable information within 30 days. Additionally, each violation of the FCRA can result in damages up to {$1000.00} per infraction under 15 U.S.C. 1681n.

Based on my findings, I am demanding : Immediate deletion of all inaccurate negative information.

Compensation of [ {$4000.00} ] for 4 violations of the FCRA.

A corrected credit report sent to my address.

Failure to comply with this request within the legally mandated timeframe will result in additional formal complaints and potential legal action. 
Please confirm receipt of this dispute by mail or email. Thank you for your prompt attention to this matter. 

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

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have Items passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Hello and THANK YOU for being a viable avenue complaints to financial institutions, I hope you can bring my particular issue to a person that can rectify it. 38 months. 38 months is how long I 've been trying to rebuild my home after a fire. Last month I have been issued an occupancy permit, so I 've moved back in with what little furniture I have left. My issue is with Ditech ( formerly Greentree ) Mortgage and the fact that they are currently holding on to about {$7000.00} in funds waiting for me to complete the home before they release them. {$2100.00} was the last check sent issued XXXX XXXX, and have been assured by my account manager XXXX, that this money will be sent for the XXXX for the portion of the project which he has completed. The only thing required is that the insurance company send something stating what the funds are for. I have no problem with this other than it took XXXX phone calls, several emails and calls left with XXXX direct report before I even got a response, then about 12 days after that, I get a call saying she needed the email from the insurance company. I 'm relaying this because this is a perfect example of what I 've been dealing with for ... ... .38 MONTHS. 
Now, after the {$2100.00} due to be released shortly there are XXXX aspects of the project that Ditech is holding on to ( for 4 months now ). I have sent in check from the insurance company for approximately {$5000.00} to finish the basement and to put on a rear deck to the home. I 'd need them to release this money. I 've made my mortgage payment for 38 MONTHS, put in excess of XXXX of my own money and easily XXXX hours of my own time into this project. This has run at a snails pace most of it due to the fact that I have to complete projects with my money and then submit for a reimbursement. I am working 60 plus hours in my regular job ( XXXX ) then trying to finish the last bit of this home and it ridiculously frustrating when I think about the money just sitting there waiting to be used, yet not released because they do n't trust me to use it for it 's proper intent. The tax assessment office has been by twice to reassess the property, yet can not due to the fact that I 'm going week to week finishing what I can with the funds I can direct to this project. Release the rest of these funds so I can complete this project. 
I 'm not interested in what your " procedure '' calls for. I fully understand the reasons behind it with rampant insurance fraud but this is not me. I 'm not leaving my XXXX home to run off with XXXX ... ..K? Please call or email me with notice on when this can be accomplished. Again, THANK YOU CFPB for this avenue and I 'll enter specifics later in this complaint. 

Regards, XXXX XXXX
Product: Credit card

On XX/XX/XXXX I noticed a charge from door dash for {$96.00} on my XXXX XXXX cash back card. I called customer service to report the fraudulent charges. They reversed the charges and returned my {$96.00} back to my card. On XX/XX/XXXX I received a letter stating that they investigated the charged and determined it was my charge. I called 3 times to have this fraudulent charge removed to no avail. I called XXXX XXXX to get my {$96.00} back and because I don't have a XXXX XXXX account they were unable to refund the money and I would have to contact my credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously filed a complaint against Transunion and the other bureaus for REDLINING my credit. My credit has not been reevaluated by the companies in over 2 months. I continue to see a score decrease or no change at all from Transunion. Most recently I have had success removing a high balance of {XXXX} down to {XXXX} on XX/XX/2022. Transunion is stating that the collection is only showing a balance of {XXXX} and no previous high balance. Which means that there was no change to the collection account when there actually was a signifigant change. The remaining {XXXX} is set to be romoved by XXXX XXXX XXXX once the State of Maryland updates. I have no other collection accounts on any of my reports. I have continued to be REDLINED by these bureaus.
Product: Mortgage

I thought the issue was on it's way to a resolution when I received from Ditech, a Mortgage Assistance Application. After getting what was needed to send out with said application, it was sent out. Yesterday a lady came by my home and stated she was a representative for XXXX XXXX. From what I can remember, the first mortgage note was through XXXX XXXX ; later I received notice that the mortgage note had been sold or bought to/by Green Tree. Later, I received notice that the note had been sought, sold or transferred over to Ditech. Since then any letters received have been under Ditech. To have that visit from the lady yesterday, bothered, confused and frightened me, because I believed I was dealing exclusively with Ditech and the name XXXX XXXX has never been mentioned in any manner. I informed the lady that my dealings have been solely with Ditech for many years then and to the present. 

Any information you can give me would be greatly appreciated. As mentioned, it was disconcerting to now have something new come up. Thank you for your assistance. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. On XX/XX/year>, I realized that several credit accounts had been opened using my personal information. All of the card limits were maxed out and my credit score has plummeted to a point that I can't get approved for any new credit. 

The fraudulent accounts are as follows : Account : 1. XXXX XXXXXXXX XXXX  ( Two Accounts ) 2. XXXX XXXX XXXX ( Two Accounts ) 3. XXXXXXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2018 I disputed an account with Experian and submitted documentation showing that the account was paid in full and settled onXX/XX/2018. On XX/XX/2018 the account came back from XXXX XXXX reporting that the account had a balance of {$2300.00} and that a payment of {$1700.00} was paid. Its reporting that 21,000.00 ( approx ) was written off when it was actually a payment from the car being sold at auction. The account is still reporting as a charge off in collections even after I submitted documentation from the 3rd party attorney representing XXXX XXXX  showing the account was settled in full with {$0.00} dollars being owed. This is a direct violation of both my FCRA and FDCPA rights. I want this account to be updated correctly or removed from my credit report.
Product: Money transfer, virtual currency, or money service

Dear XXXX XXXX Senior Customer Care Specialist U.S. Bank XXXX Customer Service This is XXXX referring about NOT HAVING MY CARD ACTIVATED THOUGH XXXX XXXX EVEN THOUGH FROM EXPERIENCE MY ACCOUNTS NEVER GOT BREACHED BY MY EMAIL BECAUSE MY EMAIL IS SECURE AND ENCRYPTED AND FROM MY EXPERIENCE WALKING IN TO YOUR BRANCH ( US BANK ) I SAW THE MANAGER ACTIVATE HER CARD BY USING A CODE SO WHY ARE YOU LETTING EMPLOYEES ACTIVATE THEIR CARD BY THEM SELF 'S AND NOT LET THE CONSUMERS DO IT TOO THAT MEANS I HAVE TO WAIT ON A SILLY REP TO ANSWER AND ACTIVATE MY CARD FOR ME INSTEAD OF ME ACTIVATING IT MYSELF SINCERELY XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, and I have no idea why they appeared. I routinely check my report, but this time, there were unexpected discrepancies. I refreshed the browser to rule out a glitch, but nothing changed. These inquiries remained. I urgently request a thorough review of the documents Ive submitted to resolve this matter so I can stop worrying about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted an online application at AMEC mortgage giving permission to pull my credit for a loan. Two weeks later, AMEC pulled my dad 's credit to add him to the mortgage and accidentally pulled my credit a second time. Through several email exchanges, this is what they determined. 

The following are the emails from AMEC mortgage : XXXX we pulled your credit XX/XX/XXXX when we added your dad, XXXX pulled credit again because he did it on you and your dad. ( he really didnt need to pull yours again, but I think he forgot and pulled them as a joint account ). I have since called credit plus and they separated the 2 reports and the ones we will be using for your loan are the ones dated XX/XX/XXXX. We cant fix this but it doesnt make that much of a difference. I apologize for XXXX. 

Email from his assistant : Please dont dispute this, it will show up on as a dispute and it will affect the loan approval. Every file has a soft pull 10 days prior to closing and that is where the dispute will show up. In order to get the loan re-approved, you would need to remove the dispute. I would suggest you dispute after you close, but not before. 

Credit was pulled ( not arguing that ) but they say when it was pulled on XX/XX/XXXX and that it was a mistake. I was later told not to dispute it until after closing because it would hold up the loan process. So I waited. In the meantime, XXXX XXXX, the mortgage lender in charge here and I had a falling out due to terrible ethical practices that my realtor would love to be a witness to in court. It should be noted that XXXX owned a house on the same street that he was putting on the market shortly after my closing date. I wrote a bad review on XXXX and now XXXX XXXX is now retaliating against me by refusing to remove the accidental credit inquiry which has impacted my credit negatively. This is a hardship on my way of life and now I fear more retaliation since he has all of my personal information.. This has caused undue emotional stress and anxiety. 

I filed a dispute with the reporting company and XXXX XXXX refused to remove the mark and sent a condescending letter. I just want my credit fix that he ruined through terrible business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

i send Transunion letters on XX/XX/2019 and on XX/XX/2019 my name my address my social security card my State ID a police report and a explaining to them that someone used my personal information to search for credit cards and carloans under my name Fraudulently, I send them 3 times and 3 different occasions letters requesting them to remove the unauthorized inquiries, I have attempted several times to resolve this issue and this matter with the furnishers but never received the courtesy call or a reply of any communication from them whatsoever. there fore, iam instituting legal actions against each violation title 15 U.S.C 1681 also know as the Fair credit reporting. I restate my demand to remove these inquiries from my transunion credit report I spoke to " XXXX '' a fraud credit specialist from the Transunionon XX/XX/2019, she said she didn't find any documents that I send throw USPS mail, ihave proof of what I send and I have the receipt of usps, please help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX The company submitted several certified letters to XXXX, XXXX and Experion to erase all my old address, telephone numbers and old address. They also submitted several certified letters to dispute charge off and inaccurate reports what is left on my credit.
Product: Debt collection

my mother, ex uncle in law, and my father in law all received calls from " unknown caller '' they don't say who they are with. They say this message is intended for XXXX XXXX ( I have not been XXXX in 7 years ) they also give an address that I have not lived at for over 3 years. My current address is not hidden. I finally got a voicemail from them today. Number left was XXXX, reference # XXXX. I called the number, was not answered with a name of the company, only a persons name. Transferred to a supervisor who was extremely rude. Telling me it is my fault for not letting XXXX XXXX know I moved 3 years ago. My number has never changed & have not been contacted by them. Nor did I ever receive mail from them, even being forwarded to my new address. I called Midwest Recovery who is on my credit as the collection agency for XXXX XXXX. Talked to a very helpful man who told me that they no longer had the account but that if a company was threatening to serve me with a law suit over a debt and they weren't on my credit that it seems really sketchy. This account was opened in XX/XX/2011. I would have no problems with a settlement amount, however I won't be threatened by a company trying to serve me a law suit for something that I was never notified about.