23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My husband and I were contacted today by a company called " CRS '' from a Texas phone restricted number ... .we were told this was regarding a lawsuit and that they could not release any information unless we call this number XXXX and this was our file number it was in reference to ( I have this number if needed ). I called and the company was referred to as " CRS '' I spoke with a woman named " XXXX XXXX '' who said her direct line was XXXX. She said this was for an over drafted bank account balance for my husband with a bank from XX/XX/XXXX-XX/XX/XXXX and did I know anything about that, I said he has no bank account there. She confirmed his SSN and his DOB ( she had them already ) She stated well you don't know everything about everyone, I said I know his credit and this is not a legitimate dispute. She said well if he or his attorney does not contact us today regarding this matter that they will pursue legal action and garnish his wages to collect on the original balance of {$1200.00} plus legal fees the total would be {$4500.00}. I gave her my gmail and asked that she email all of these details for me to review with him as he was in a class today and could not be reached. She said she would. I have not received any such email from them. We were very upset by this. My husband did settle a closed account with bank back in XX/XX/XXXX but how would they even get this info now, this was also a paid balance? I did not explain any of this to her at that moment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, experian and XXXX  has inaccurate information on my credit reports. they refuse to delete. this information is not mine and has been deleted from the other credit bureaus
Product: Mortgage

I have been trying to get a loan modification for over 2 years from my lender BSI Financial. They routinely turn me down for a loan modification for reasons that are false, ( this last time they said that I only make XXXX a month and that is not enough, but in reality I make over XXXX a month ). They never return my phone calls and I had to file chapter XXXX a year ago to keep them from selling my house out from underneath me. Until XXXX I was paying the Chapter XXXX trustee over XXXX a month and my loan payment of XXXX to BSI. But I have not paid them since XXXX but have stayed current on my payments to the Trustee. I have found thousands of consumer complaints about them and they have done everything possible to get me out of my house. Please help me keep my home
Product: Checking or savings account

I had an Account with Chase Bank and now my information was leaked and accessed by someone due to the Chase bank glitch. I have XXXX new accounts on my Credit report which I am disputing at the moment.
Product: Debt collection

I received a medical bill fromDesign Receivables Solutions Incorporated and Company, XXXX XXXX XXXX, XXXX XXXX XXXX , CA. 
This is after two years of my date of service an emergency room. I had received other bills concerning my treatment on the XX/XX/2013 which have all been settled by my insurance. 
Some bills arrived in the post more than XXXX time until they where resolved by insurance. 

Another debt collector service called me in 2013 to negotiate payment for a bill. 

This particular company kept silent about the fact that I still owed for two years and then sent me a bill after I changed my address. I called them and said I have insurance and I have sent my details. 

They responded that my insurance can not cover my bill because two years have elapsed. I replied that if I send my insurance details in answer to a bill and a creditor does not respond, I will assume that the bill has been settled by insurance. 

The collection agency has to response to the question- Why wait you wait two years to send a demand letter for a debt or send a follow up that you did not receive my response to your demand letteror send follow up letters continually demanding my debt to youror send a letter or phone call stating that you received my insurance details and my insurance does not cover the debt for the service offered. 

I searched XXXX, XXXX and XXXX company online and found out that this is their usual practice
Product: Credit card or prepaid card

XX/XX/XXXX of 2019, I received an item delivered to my house that I did not purchase. I called Chase bank to make a fraudulent report of the purchased item since it was not purchased or authorized by me. Additionally, I called XXXX the seller 's carrier to make a report of the same item. Chase bank went ahead and canceled my Chase bank card which number was ending in XXXX while the matter was been investigated. XXXX simultaneously sent an acknowledgment letter to me stating that the matter was being followed up with a note to the seller in order to return the item. While waiting for the matter to be resolved, I received an online invoice or statement on or about XX/XX/XXXX, stating that there was an additional purchase made on the XXXX 's account that was canceled about 10 days ago, while I am in expectation of the new Chase Bank card in the mail.I spoke with Chase representatives several times and assumed that because I have my bank account on file that shows sufficient amount to pay off in surplus this fraudulent debt, they refused to listen to me and requested each time that I make a payment with my account on the Chase bank system. The irony was that I did not receive any card from Chase bank to replace the canceled card, neither did I activate it. Chase bank has destroyed my credit record and now I cant buy or sell
Product: Credit card

Dear CFPB I wrote by mail to you in XX/XX/XXXX; explained below in detail. Please see summary ; On XX/XX/XXXX ; I was notified by other investors, customers and employees that my ( now ex ) business partner investor frauded the company, customers and all the funds sent by me, all the credit cards, loans since XX/XX/XXXX ; in amount exceeding $ XXXX. 

I also immediately contacted credit cards, XXXX XXXX companies by phone ( hours spent ), loan companies, banks, and I was told this was " a civil matter '' to be brushed off and they didnt ask or go after the perpetrator who used XXXX XXXX XXXX to fraud me and others. All XXXX banks and loan companies refused to help me. So I went on a search, this is not as they claim a civil matter. THIS IS A FEDERAL crime, and all the records will show that I begged pleaded with these companies, yet they continued and still continue to come after me. 

I then by email, mail contacted my senators, law enforcementand and law offices of XXXX XXXX in XXXX who handled XXXX XXXX case, to prosecute him. I am writing to inform you to inform all credit card companies, loan companies, XXXX XXXX companies and reply to me that you received my letters. All the cards and loans in my name XXXX XXXX are used and my funds by this perpetrator, XXXX XXXX and his accomplice XXXX XXXX. I ask you to notify these banks as well. 

As the perpetrator committed a crime of fraud, false documentation, fraud invoices, investment scam, identity theft, tax fraud among many others, I thank you for your support in advance. You can also contact my attorney XXXX XXXX and direct these banks : XXXX XXXX He | Him | His Partner XXXX XXXX XXXX XXXX XXXX  NY XXXX T XXXX XXXX XXXX XXXX XXXX Kind Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second request for TransUnion to remove the XXXX XXXX XXXX account number XXXXXXXX XXXX that is past the statue of limitations. They responded to your company that they were investigating but when I received the response they still have it listed. I have included a copy of their response as well as the initial report showing it is past the 7 year mark and is going on over 8 year. Their response only shows the payment from XX/XX/XXXX and at that time it was 120 late. That alone would indicate that it had to be at least 90 days late in XX/XX/XXXX, 60 in XX/XX/XXXX and 30 days in XX/XX/XXXX and that is the best case scenario. The initial credit report from the lender showed date last active was XX/XX/XXXX which that was not the case either. It also shows that the account was over 90 days as of XX/XX/XXXX again therefore making it 60 days in XX/XX/XXXX and 30 days XX/XX/XXXX so next month that will make this account 8 years over a year longer than it should be reporting.
Product: Checking or savings account

Reimbursement of over draft fees at Wells Fargo Bank.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute my federal student loan obligations through loan servicer Aidvantage due to a significant breach of my personal and financial information. My private data was compromised without my authorization, violating multiple federal laws designed to protect student records and personal privacy. 

Under the following legal protections, my information should have been safeguarded : Family Educational Rights and Privacy Act ( FERPA ) : Ensures the confidentiality of student records and prohibits the unauthorized disclosure of personal information.

Higher Education Act ( HEA ) : Establishes the responsibility of educational institutions and loan servicers to protect student data.

Privacy Act of 1974 : Prohibits the unauthorized sharing of personal information held by federal agencies.

Breach of Contract : The unauthorized sharing of student loan borrowers personal and financial information with third parties, including XXXX XXXX, constitutes a violation of the contractual obligations to protect borrower data.
Product: Credit reporting or other personal consumer reports

I am unaware of this debt. I did not have the opportunity to dispute this debt. If you believe this is my debt, please provide me with a copy of the certified mail letter with my signature showing that I received this debt. 

In addition, during my conversation with a customer service representative, she stated that the company purchased my debt from Synchrony Bank without my authorization. I did not give this company authorization to purchase my social security number and report negative debt to the credit bureaus. Per the FCRA, it is illegal to purchase someone's social security number and use it negatively.
Product: Debt collection

Credit Card collection agency has repeatedly called my place of employment after being asked multiple times to not call. In addition collection agency has contacted my parents, sister and elderly grandfather repeatedly. Call are made sometimes XXXX or more in a single day with only a single message being left. After calling and speaking to agency and asking them to cease calls to my place of employment - I am a XXXX and do not have an outside line to my XXXX and will never be able to receive calls at work as a result ( nor is it appropriate ) - they left detailed messages for me with both the XXXX secretary and the XXXX. This has been going on for 3 years and as most recently as XXXX 2015. 
I called in XXXX of 2015 to make a settlement offer of {$800.00} for my outstanding debt of {$1200.00} ( more than 70 % of a 5 year old debt ) and was told that I needed to come up with {$1000.00} and I should " call back when I have the rest of the $ '' and was hung up on. The collections calls have since resumed to multiple calls each day. I would like a reasonable settlement offer sent to me IN WRITING as I do not feel comfortable dealing with a company via phone that ignores my requests for cease calls, ignores me when no permission has been given to contact on certain phone numbers and refuses to send me anything via mail. My information was updated with this company in XXXX of 2015 and I simply want to resolve this debt reasonably and expediently without myself or my family being treated rudely or unprofessionally. I want no further contact from this company via phone call to any number. As soon as I receive a reasonable settlement offer by mail, I will remit payment accordingly but will not do so without something in writing.
Product: Mortgage

On XX/XX/XXXX we sold our home and the title company sent payoff funds to Reverse Mortgage Solutions , Inc . The payoff was calculated through XX/XX/XXXX. The funds were wired and they received them the same day as the closing ( XX/XX/XXXX ) and this was later confirmed by a customer service representative of Reverse Mortgage Solutions. The payoff amount provided to the title company included a disbursement of {$950.00} due to be made on XXXX XXXX which was the middle of the XXXX XXXX weekend holiday. SInce they received the funds on XX/XX/30 they never made the disbursement but were still reimbursed for it in the payoff. I have called twice and was instructed to contact their payoff department by e- mail and or FAX as they don't take phone calls. I did both several times and have still not received a response or refund of the overpayment of {$950.00} plus the extra 5 days per diem that they received totaling over another {$100.00}.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized hard inquiry on my credit report. This inquiry violates my rights under the FCRA. This inquiry dated XX/XX/2024, was not authorized by me and lacks any legitimate reason. I request immediate removal and confirmation of action taken.
Product: Credit reporting or other personal consumer reports

So Equifax have not verifying this debit correctly and I dont have a contact with some of this companies and from my understanding all this collection companies are banned from from reporting to your credit comes from the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for 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. XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We bought our house with a USDA loan in XXXX and recently went through a financial hardship that put us in a tough spot. That situation has been resolved and we have tried to get Penny Mac to work with us but instead of providing solutions or help they have scheduled a foreclosure sale date for XX/XX/XXXX. We feel that Penny Mac has denied us access to government programs that the USDA has available for distressed homeowners and are frustrated that they are pushing to auction our home we live in with our XXXX children instead of trying to provide a solution. 

We had financial problems when the pandemic hit Idaho and lost jobs and hours because of XXXX. My husband XXXX works doing auto body painting and I work in the restaurant business. XXXX ended up getting laid off because there was no business at his shop and my hours were drastically cut and we could not keep up with our bills and feed our family. We ended up getting approved for the CARES forbearance and this helped us get back on our feet and we resumed making our regular mortgage payments in XXXX. Several months later XXXX was laid off again and out of work for nearly 4 months. My hours at the restaurant were cut as well. We struggled keeping up with the bills but managed to make the mortgage payment on time for about 9 months while going through this situation but finally defaulted in XX/XX/XXXX because all of our savings and resources were drained. 

I contacted the agents at Penny Mac and told them the situation. They told me there might be options that could be considered but that there was no guarantee. We talked to family members about borrowing money and felt that we could resolve this matter on our own. In early XXXX we were back on our feet financially, I had gotten promoted to manager and had full time hours and XXXX found a great new shop closer to home to work at. I tried to make my mortgage payment online but the system would not accept the payment. I called in to Penny Mac and they told me I had to reinstate the full past due amount. We were back on our feet but did not have enough money put aside to pay all past due payments at once. The agent told us they could possibly help and sent us out a modification package and we filled it out but before we sent the paperwork in we received a notice of foreclosure sale date and this put us into panic mode. We thought that Penny Mac wanted to work with us and try and give us a chance to get reviewed for USDA borrower assistance programs but instead they just went and scheduled a foreclosure sale date for XX/XX/XXXX. This does not seem right. Our family went through a tough time and we have XXXX children in our home to support. Our hardship is resolved and we have the ability to make our mortgage payment, the problem is that Penny Mac is refusing to work with us and demanding we pay {$11000.00} in one large payment which we cant do at this time. Instead of negotiating with us Penny Mac scheduled a foreclosure sale date XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute these unauthorized inquiries via phone/letter 2 times. I am being ignored this is against the FCRA. These inquiries do not belong on my credit. 



XXXX XXXX XX/XX/2023 XXXX XXXX - XX/XX/202XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX - XX/XX/2023
Product: Credit reporting

please find attached the FTC application, along with my dispute letter, stating that the following account are not mine and have been mixed up with another persons identity, therefore i have been disputing these items for more than one year and experian does not remove them from my records, please help me with this situation. 
thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX Account number 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: Mortgage

i had my mortgage refinanced with XXXX bank mortgage and they sold it to RoundPoint mortgage and they have refused to provide me with all the terms and condition of this mortgage mainly having a 15 day grace period before payment is due. i feel that they are trying to force me into auto-pay.
Product: Credit reporting or other personal consumer reports

paid in full, spoke to representative, they said once paid in full it would be deleted off my credit report, it is still on there and the amount. It is a XXXX  balance and should be deleted per my agreement with XXXX acting for XXXX XXXX
Product: Credit reporting or other personal consumer reports

1026.13 - Billing Error Resolution 1. Creditor 's failure to comply with billing error provisions. Failure to comply with the error resolution procedures may result in the forfeiture of disputed amounts as prescribed in section 161 ( e ) of the Act. ( Any failure to comply may also be a violation subject to the liability provisions of section 130 of the Act. ) 2. Charges for error resolution. If a billing error occurred, whether as alleged or in a different amount or manner, the creditor may not impose a charge related to any aspect of the error resolution process ( including charges for documentation or investigation ) and must credit the consumer 's account if such a charge was assessed pending resolution. Since the Act grants the consumer error resolution rights, the creditor should avoid any chilling effect on the good faith assertion of errors that might result if charges are assessed when no billing error has occurred. 

billing error on my credit report the payment for the car went to the treasury of that account XXXX XXXX XXXX is not the trustee it is XXXX XXXX XXXX payment was sent to the treasury and therefore this is a billing error that continues to show up on my credit report
Product: Money transfer, virtual currency, or money service

so I signed up through XXXX XXXX XXXX i did research on who owned the company and all that looks very promising seen positive reviews right? well, its been about XXXX months now, they let you sign up start the verifying process and even though you send all the proper documentation it allows you to deposit money but not withdraw it, you cant even move your assets out of the site without being verified. I've sent emails and even tried reaching out on XXXX and to the best of my knowledge nobody in this boat has had any success with it. I'm at my last straw. there is nothing worse than feeling the constraints of your financial opportunities being blocked without response. I get that they might be busy, but there really isn't any excuse for it, the easy answer is hire more people and the cheap solution is letting your customers know they are working on it, not some computer generated copy and pasted response. I've even tried calling their phone number but there is literally no customer service on the other end its just a voice recording making you feel even more isolated. 

so no email response no phone response no social platform response I've started thinking the XXXX brothers have decided trying to take companies from people was to hard and its much easier to just steal investor money. 


Gemini Trust Company , LLC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX ; - Call Customer Support at XXXX ( XXXX ) XXXX ( toll-free in the USA )