23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On or aboutXX/XX/XXXX, Debt Recovery Solutions , LLC. sent me a " settlement offer '' for a debt that I had never received a bill for. Since I was attempting to get financed for a mortgage I accepted the settlement rather than disputing ( in hopes to keep the debt off my credit report ) and sent a check for {$210.00} ( the settlement amount ) on XX/XX/XXXX. The check cleared my bank on XX/XX/XXXX.The back of my check had a stamp stating " For deposit only : Debt Recovery Solutions , LLC Client Trust Account XXXX XXXX  ''.
On or about XX/XX/XXXX, I received another " settlement offer '' from Debt Recovery Solutions , LLC. This one was for $ {$140.00}. Assuming this must have been a mistake as the account had already been paid in full and I had the cleared check as proof, I took no further action at that time. In XX/XX/XXXX, I saw that the account showed up on my credit report marked as collections and unpaid. I disputed this 2 of the 3 credit agencies. XXXX removed the account. XXXX  validated the debt. At the end of XXXX, I received a " verification letter '' regarding my debt due to XXXX validating it. This letter also requested me to " remit payment immediately ''.
On XX/XX/XXXX, I contacted Debt Recovery Solutions LLC. regarding this and spoke to a XX/XX/XXXX. This man told me I never paid him. I explained to him that I had proof of payment. He asked me who I wrote the check to. I told him I wrote the check to the Company listed on the settlement offer that I received from Debt Recovery Solutions, which was " XX/XX/XXXX ''. He said " well that 's the problem, you did n't pay us so we do n't have a record of payment, you can either pay us or prove you paid XX/XX/XXXX '' The check that I sent for payment was mailed directly to Debt Recovery Solutions using the address and information that was on the settlement offer. The back of my check is stamped by Debt Recovery Solutions. This man repeatedly told me that I was lying and that they received no such payment and that they were not affiliated with XX/XX/XXXX.
The first settlement offer and the second settlement offer equal the total debt due (XX/XX/XXXX+XX/XX/XXXX=XX/XX/XXXX ) It is my belief that they were attempting to scam me to get all the money. The settlement offers are both very different formats with the first one referring to XX/XX/XXXX as Debt Recovery Solution 's client and a full back page of a privacy statement regarding XX/XX/XXXX. The second settlement offer has XX/XX/XXXX listed on the front and refers to the offer as a " sale '' but offers no information regardingXX/XX/XXXXl.
To date, They have not removed or corrected the collection information. They are falsely reporting me as an unpaid account every month to the credit agencies and they are still trying to collect money that was already paid. I have both settlement letters, the front and back of my check proving payment, the supposed debt validation, and the letter I faxed in an attempt to resolve this.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Noticed a hard inquiry on my credit report. XXXX on XX/XX/year> and one on XX/XX/year>. 
I have not dealt with either one of these companies before.
Product: Debt collection

I am totally getting tired of the lies and this premature back and forth. You are responding to a federal institution, the CFPB, making absolutely false statements without providing any documents to back your fraudulent claims. 
Attached is a document that showed that the last time I did any business with XXXX was back in XXXX. Unless you can provide a contractual agreement SIGNED by me on XX/XX/XXXX, you are knowingly providing false statement to the CFPB. You are also, perhaps, knowingly re-aging an account and must I remind you that is illegal and against federal law. 
In response to complaint number XXXX, you claimed that you made no communication attempts regarding this account since XX/XX/XXXX. That too is a lie and attached is a document that proves otherwise. Contacting me during the validation phase of an allege account was illegal and showcases your total disregard of the law. 
Hence, since you have chosen to engage in illegal business practices and making false statements to the CFPB, I am bringing it to your attention that all of our communications and documents I have will be forwarded to the FTC and the office of the Attorney General of Missouri.
Product: Checking or savings account

I have a savings acct and multiple CDs at Bask Bank XXXX Texas Capital Bank connected ). I went to open another CD and they said that I had to have a smartphone and use their app to post my ID and facial photo. Obviously, this is a new requirement as I have CDs w/ them. I don't have a smartphone and will not ask others to install apps on their phones. Is it legal to refuse to do business with everyone that doesn't have a smartphone? Thanks.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) 5 Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, XXXX, XXXX, and Transunion. I am contacting you guys about my XXXX XXXX XXXX  on my credit report. I contacted the furnishers of this information about a lot of incorrect information being reported across all three of your bureaus. The misreported information is Late payments, Payment Status, Worst payment status, account status, times XX/XX/90 late, date of last payment, late payments. Now I contacted you guys separately about this information and you deemed it to be accurate but the problem is that all three bureaus have different information regarding the following stated above. I will be attaching a visual of the following mis matched info across all bureaus. 

After contacting credit acceptance, the furnisher of this information, they told me that they've been reporting accurate information to all three bureaus and that its basically your fault and that you're the ones who've misreported the information they gave you. I am asking for verifiable proof of this claim. ( Their reports to you guys of all the information furnished on my report from credit acceptance ) I will also be attaching their response of them stating that you guys are the ones who are misreporting which is a violation under the FCRA. Now, I believe that credit acceptance just didn't want to own up to their mistakes because to my understanding, you guys only furnish information given to you by the CRA. So I would like a copy of what credit acceptance has send to you to report about my file since their claiming they reported all accurate information. I am not asking for a copy of my credit report with them since I have that already. But verifiable proof of when they send you this information and what the information entailed as to see you if you guys are the ones who are actually misreporting the information this credit agency gave you or its them who is reporting mis matched information to you guys. 

Now if they did in fact send you the correct information and you guys have been misreporting it please know I will be taking legal action and asking for financial compensation as there's a lot of inaccurate information across all three bureaus and violations under the FCRA.
Product: Mortgage

Paid off my conventional mortgage on XXXX. Sierra Pacific Mortgage Company ( the servicer ) said they would refund my escrow account within 15-20 days. I have called twice and both time they said they were sorry and would send the check right out. It is now XXXX, 88 days since the loan was paid off and 20 days after my last call. Tired of trying to work this out with the mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. 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. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello, On XX/XX/2021, I contacted XXXX XXXX to cancel my internet service due to selling my home. I was asked if I would like to suspend my service, and I declined. I asked for the final amount that I owed. A bank draft was issued for XXXX. As far as XXXX was concerned, I was done. I received a collection letter from XXXX late XX/XX/2021, and immediately paid XXXX. I also filed a dispute with each credit reporting agency ; XXXX, Equifax, and XXXX. XXXX deleted derogatory from XXXX, but not Equifax and XXXX. I have confirmation of XXXX noting Deleted. After I closed on my home XX/XX/2021, I also closed on a lot to build a smaller house. I applied for a Contruction/Permanent One Time Closing Mortgage and was approved. Hired a Contractor, Had an Environmental Company do research on the lot and apply for XXXX and XXXX permits to build on the lot. This cost {$21000.00}. ( It has taken 12 months to get my permits ) During this time, not knowing it would take this long, I have spent 12 months in a friend 's guest bedroom with 3 small dogs ) At the time, I worked at XXXX 's as their Electrical Engineer, and was able to buy XXXX worth of construction materials at cost, knowing that supplies would be shaky in the future. So, I have XXXX in the lot, plus Environmental/Permits Costs XXXX and construction materials for a total of XXXX. At 71 and having Excellent credit all my life, the collection report, has brought my life to a complete halt. I have worked on this problem since first filing a dispute in XXXX of 2021, and most recently the last 6 weeks with XXXX and XXXX and the credit agencies. I am at a loss as to how this can happen and can not be resolved
Product: Credit card or prepaid card

We rented a car from XXXX and used our Visa card that was issued through Synovus Bank. XXXX put through a charge and Visa accepted the charge knowing that it was grossly improper. The fraudulent and excessive charges had the effect of freezing our bank account and causing us embarrassment. In order to contest the fraudulent charges, we spent hours on the phone dealing with XXXX and our bank. They caused us to not have access to cash in our account for ten ( 10 ) days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I SENT A LETTER TO XXXX XXXX ASKING THEM TO UPDATE MY CREDIT INFORMATION. I PAID AND SETTLED A PAST DUE BALANCE IN XX/XX/2021. I HAVE ALSO SENT THIS INFORMATION TO EQUIFAX BECAUSE IT'S SHOWING A OPEN ACCOUNT. PAST DUE WITH A BALANCE OF OVER XXXX THEY STILL HAVEN'T UPDATED THE REPORT. EQUIFAX SAID IT CAME BACK VERIFIED. HOWEVER XXXX XXXX SENT ME A LETTER BACK SAYING THEY DON'T HAVE ENOUGH INFORMATION. BUT COUNTUNE TO REPORT INACCURATE INFORMATION ON MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

" Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. '' Equifax Inc. maintained improper security practices with sensitive consumer data. Signing up with " Equifaxsecurity2017.com '' further compromises consumers by requiring them to waive their right to legal recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH FEDERAL AND LOCAL AGENCIES I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, this is my last warning about the XXXX account on my credit report. I have recently submitted a dispute concerning that account because they have reported a miss payment for XX/XX/XXXX with a past due amount of {$230.00}. It was the only miss payment on my payment history for the past 5 years that I have had that car loan. I have uploaded the payment receipt as proof of payment thinking that it will be resolved but it became worse than what it was. They added 3 more miss payments to my account. I dont know who does that, who is in charge of updating customers report from XXXX XXXX This person probably had a bad day and put his/her frustration on other people but they are messing with the wrong person. Until 2 weeks ago this account was current for the past 5 years with zero ( 0 ) miss payment and suddenly it was late in XXXX!?? They even said that it was late in XX/XX/XXXXXXXX while I have paid and have my receipt. Experian DO NOT PLAY THEIR GAME! They are probably upset because I wrote a review on XXXX XXXX XXXX about them. I repeat DO NOT PLAY THEIR GAME! I hope this letter goes to a human being and not to a computer. At this point I dont even wan na talk to XXXX anymore since I filed a lawsuit in federal court against them yesterday. They wan na play? okay we will see if they will love it. I have proof of everything I say. I repeat, Experian update my credit report as it was before that mess otherwise I will also file a lawsuit against you for voluntarily keeping inaccurate information on my credit report. I have already uploaded the proof on my previous dispute. Consider this letter as my last and final warning. As you can see I am not scared of taking that XXXX to court. My lawyer is confident about the case and I am too, I have proof of everything I say. Again update my credit history how it was before XX/XX/XXXX and correct the XXXX miss payment otherwise I will also file a lawsuit against you. I am not scared of anything or anybody on this earth and the universe except GOD and he is by my side!
Product: Credit card

On XX/XX/2023 I opened up a 0 interest credit card with US Bank XXXX account number. 
On XX/XX/XXXX they say they mailed {$2200.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX The amount owed over 2 weeks is still showing {$4400.00} at XXXX XXXX . 
I have called both and they refuse to call each other or try to find out what happened to the payment. 
They both refuse to remedy the payment by stopping it and resissueing or imagine this, with all their digital promotion, Send it electronically. 

In the meantime XXXX XXXX keeps charging me 29 % credit while they wait to open up the mail. 
I am sure many people have this issue with XXXX XXXX. 
Please ask them to talk and fix it.
Product: Debt collection

To Whom it May Concern I have right to privacy under FRCA LAW I am writing this letter of my own free will and accord. It has come to my attention that there are inaccuracies on my credit reports and FCRA law commands that they either be verified XXXX. Provide validation of the debt, that is, the actual accounting. 
XXXX. Verification of their claim against you, that is, a signed Invoice. 
XXXX. A copy of the Contract binding both parties ( you and them ), and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts? 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. 

Lastly please remove the following collection accounts from credit reporting : These accounts are not mine. My credit report was accessed under false pretenses which is identity theft. I will be filing consumer complaints so that these companies are fined for the vicious and malicious practices. I will sue if necessary
Product: Checking or savings account

On XX/XX/year>, I remotely deposited my paycheck into my BMO account. I forgot my online password and tried to reset it, but I could not. I called them to reset it, and they locked me out of my account. They transferred me to the fraud department, at which time I explained that this was my paycheck and that I would need access to my funds. They told me they were investigating it and it would take 14-31 days to resolve. Again, I explained that I have bills to pay and mortgages to pay, and withholding that for that long would be a problem. They said they could not help me and that an analyst would need to look at it, and it may take that long. There was nothing else they could do. I have not used this account very much, but it has been open for a while ( longer than 30 days ). 

I want to access these funds, and I have read that they can not withhold my paycheck for more than five business days, generally 2. I have not had any returns in this account and feel this is causing undue hardship.
Product: Credit reporting or other personal consumer reports

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to XXXX and TransUnion requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

There's an Invalid Balance. I have proof of all my payments are registered in Chase Customer Service. Chase Bank is charging me transactions that don't belong to me.
Product: Debt collection

XXXX complaint still open. Credit reports states they took off the alerts of unpaid debt which is NOT mine but they are still there affecting my ability for a bank credit card beside braking PA Law
Product: Mortgage

Wells Fargo was the servicing provider for our mortgage loan for property XXXX XXXX XXXX XXXX, XXXX, Maryalnd XXXX ( Loan # XXXX ) when the loan was sold to them from the lender we obtain the mortgage/home loan from. They claimed to have approved a modification for us several years ago. But failed to file the paperwork with the XXXX XXXX court. After 4 months receiving the approval from them claiming to be under a modification they sent us a letter stating we were not under a modification and will be foreclosed on unless the loan to update. When we called to confirm the modification after receiving the conflicting notifications a few representatives stated we did n't have a modification and when we would call again other representatives would state we did. When we received the notification from Wells Fargo that our loan is in default and we needed to call them to receive a modification soon because they would foreclosed on our house. We went through the modification process again and they sent us a denial stating we had a modification. When we discuss the particulars of the modification with another department they claimed we did not have a modification and needed to apply. Several months later after trying to get this straighten out we hired an attorney to assist with the modification. We then received several letters from them asking us to sign documentation they should have filed several years ago regarding the modification with XXXX XXXX XXXX. The documents stated that we could not sue them or take any legal actions against them. The forms would back date the modification loan to correct the loan which would allow us an opportunity to apply for a new modification. We called them regarding the documents and they stated we needed to sign the documents first and then we could reply for the modification to correct the loan and they would not consider a modification until the documents were signed and filed with the court. We signed the documents to be considered for a modification/correct the modification per our discussion with them. They made us wait 4 to 5 weeks until this process was completed. Once they verified everything was signed and filed with the court they sent us a letter stating they would not approve us a modification and would proceed with the foreclosure. They foreclosed on the house on XX/XX/XXXX and then purchased the property at the auction for {$100000.00} less than our mortgage loan balance. They sold the property through an on-line bid to someone on XX/XX/XXXX and extended the bid date to XX/XX/XXXX when they were able to get us to move out on XX/XX/XXXX because they had a female representative that kept coming by the house while we were at work that asked my children under the age of XXXX years old questions about living at the home and placed several notices on the door that we will be evicted and to call them ASAP. We contacted them and they offered us the cash for keys to leave on XX/XX/XXXX. When we spoke with Wells Fargo several times about getting a modification and to stop the foreclosure they stated it was a better business decision for them to foreclosure on the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor ORION PORTFOLIO SERVICES has agreed to delete the account XXXX XXXX XXXX but it is still showing on my credit report. They also said that they have contacted the original creditor so that they can delete the account from my credit report. XXXX, XXXX and XXXX  have not deleted the account from my credit report. Please delete the account, I am including their response from my previous complaint.