23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS XXXX CHOICE RECOVERY INC Reported XXXX XXXX XXXX, XXXX - {$1100.00} Needs Attention Your company have violated FCRA XXXX15 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to  prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CHOICE RECOVERY INC Reported : XXXX XXXX, XXXX - {$1100.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me  Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

I, consumer XXXX have tried numerous times to request that company Capital One XXXX stop reporting late payments to my consumer reports without my consent for XX/XX/2019. The company Capital One is in clear violation of the law, under 15 USC 1681b permissible purpose of a consumer report, THE LAW CLREARLY STATE : ( a ) In general Subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave the company Capital One the written instructions to furnish this on my consumer reports. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) under the exclusions from a consumer credit report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This is the last attempt to get this resolved outside of court with the company Capital One and I plan to explore remedy minimum of {$1000.00} for each violation to name a few below. Defamation of character Negligent establishment of identity fraud Fair Debt Collection Practice Act 15 USC Violation Fair Debt Collection Practice Act 15USC 1681 Violation for willful noncompliance civil liability, USC 1681n
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain entries on my credit report that do not belong to me and are negatively impacting my credit history. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to accurate, complete, and verifiable information on my credit report. 

The accounts in question are listed under Account Name :XX/XX/XXXXXXXX, Account Number : XXXX, which I have identified as fraudulent or inaccurately attributed to me. These accounts are not mine, and their presence on my credit report is unjustly harming my creditworthiness and access to financial opportunities.
Product: Mortgage

My mortgage refinancing application was erroneously withdrawn by Citibank. They are alleging that I have not submitted the required paperwork on time. To date, I have not received a satisfactory detailed answer of which document was late beyond the general answer that my loan application has taken so long. They issued a new loan application with different rates, to ask for the exactly same documents, at a higher cost.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, On XX/XX/2023, we ( XXXX XXXX and I. I was a co-signer on the loan ) settled for less than our original balance of {$4800.00} through XXXX XXXX. The amount agreed upon was {$2000.00}. The payment was received by XXXX who then released the funds to XXXX. This account is now settled and closed, however is showing as open and even that the payment is late on my credit report ( s ). This is showing up on BOTH my XXXX and my Equifax. We are in the process of buying a home and this could be detrimental to that process. I have called both companies, XXXX ( debt collector ), and XXXX the original creditor. I have now filed disputes with XXXX & Equifax 3 separate times. The first two times there was no change, the third is still under investigation. Considering that this debt is now settled and the loan is NOT open ( or late! ), I would love to have this information updated on my credit report ( s ). 

I understand that XXXX XXXX stated that the debt will not be fully deleted, however I have been advised by several people at their company that it should be listed as a charge off, settled for less and NOT and open account ( which now has a late payment!! ) We have worked so hard to rebuild our credit and to finally be able to buy a home for our XXXX XXXX The fact that we settled this debt and it is showing up incorrectly on my report ( s ) is highly concerning and I wish for them to update them to show the loan as closed, and then update it to charge off- settled for less. For my trouble of having to dispute this now 4 times, if they wanted to do a full delete- that would be even better! 

Thank you
Product: Student loan

I just got off the telephone with Fed Loan Services, and they informed me i was victim of a scam in XX/XX/XXXX, where a company tricked me into giving them my information and setting up a payment plan of {$19.00} a month. This month ( XX/XX/XXXX ) I began receiving emails from FedLoan about paying my account. I attempted to log in, and was unable to because my account had been created by a person that was not me. I knew this because A. The username was not something I have ever used. B. One security question asked about the name of my first niece, and I do not have any nieces. C. The second security question asked for my Mothers middle name which I should have gotten correct because I know that information, but instead was locked out of the account. I then proceeded to call FedLoan Services where they told me what happened, and then to file a complaint here with CFPB.
Product: Debt collection

On XX/XX/XXXX National Credit Systems opened a collection action against me in the amount of {$950.00}. NCS reported to all three credit bureaus that XXXX XXXX XXXX  is the original lender. The invoice by XXXX XXXX to me was not a loan, but rather charges for damages to an apartment I rented for 15 years. The claim of damages was for smoking in the premises which was not dissalowed. 

I disputed the charges with XXXX XXXX, National Credit systems, and all three credit bureaus stating that this was not a recurring payment, a loan, or a charge permitted under the rent agreement between myself and XXXX XXXX. In the only telephone conversation with NCS, I stated that this charge was a contract dispute, I would not pay it, and would welcome any lawsuit against me to collect the charges. NCS stated they would not pursue the matter further, but reported the uncollected charge to the three major credit bureaus. I also requested to XXXX XXXX to sue me in court, but they have not done so. 

NCS inititially reported this unsubstantiated charge five times to XXXX between in XXXX according to XXXX  records. NCS has also just recently reported it again in XX/XX/XXXX to XXXX, and XXXX has reported it again as a late payment. According to credit laws and regulations, this is not allowed as this is not a recurring payment as explained above. 

My filings with the three credit bureaus stated that this charge was a contract dispute with XXXX XXXX and not unpaid rent or any other recurring charges, but all three credit bureaus replied to me that they had validated the charge. Their " validation '' would require them to make their own legal opinion of fifteen years of contracts, contract amendments, apartment rules changes, grandfather clauses in the contract, and XXXX XXXX managements to me acknowledging that smoking was acceptable under my contract terms. 

The deragatory negative reporting of this charge by the three credit bureaus without a proper validation process of a contract dispute leaves the door open for abuse to me by XXXX XXXX and National Credit Systems. This matter can only be settled by a court of law and should not be allowed to be reported as a derogatory account on my credit reports. I can not bring a lawsuit in small claims court since I can not show a monetary loss or expense. XXXX XXXX or NCS will not sue me as they both know that they do not have the contractual basis to charge me the {$950.00}. A court could rule on this matter in 30 minutes, but XXXX XXXX and NCS has chosen in malicious behavior instead. And the three credit bureaus should not be able to list this on my credit reports based on their delinquint and abbreviated " validation process ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Fifth Third Bank several times at the end of XXXX and beginning-mid XXXX to notify them that I had changed jobs and my payday cycle was being changed. I told them that I would not be able to make my XX/XX/XXXX mortgage payment until the end of the month. Additionally I received a letter from the mortgage company that an additional {$140.00} was needed because the escrow was short. I contacted the company several times, and was told " no problem, as long as the payment is made before the end of the month it will not be reported to the credit agencies as being delinquent. '' I logged on to Fifth Third Bank 's website on XX/XX/XXXX at approximately XXXX XXXX to make my regular monthly mortgage payment as well as the additional money needed for escrow. The mortgage company did not process my payments until midway through the first week of XXXX. Additionally they sent me a follow up letter stating that they did not know what to do with the additional money I had sent them. Fifth Third Bank reported me as delinquent to all 3 credit agencies, even though I made the payment before the end of the XXXX month. I had to make several phone calls to the company about what to do with the additional money I sent them. They could not find any record of a letter asking for this additional money amount. Then at the end of XXXX I received another letter from Fifth Third Bank stating that they miscalculated my escrow and wanted me to send them over {$2000.00} in the next 15 days to fix the negative escrow balance, or they were raising my monthly mortgage payment by over {$100.00} for 31 months to make up the balance! 

This company does not return phone calls. When I asked them to listed to my recorded conversations I was told they could not locate my calls. This was not a mortgage company of my chosing. My original mortgage company has been bought out and traded several times since originally getting my mortgage in XXXX. I have paid my mortgage every month, with the exception of when I was hospitalized for several months due to XXXX on my XXXX back in XXXX, and at the time Fifth Third Bank was not the mortgage company. I have always paid Fifth Third Bank on time, with the exception of this one incident in which I called to notify them of a change in my paychecks. 

I am a XXXX who has been a frontline worker all during COVID. Despite living through and working a pandemic I always pay my bills on time. I am outraged that Fifth Third Bank did this to me. As a result my credit has dropped from a XXXX to a XXXX. Fifth Third Bank is refusing to correct this, and I am hoping you can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$2400.00}.
Product: Mortgage

On XX/XX/2024 we were living in XXXX XXXXXXXX XXXX my husband had a job which included housing. XXXX XXXX had sent me a marketing email about new loan programs in XXXX and asked how we were doing at that time i told him we were thinking of moving to XXXX hoping to purchase a home. He then stated he was licensed to sell in XXXX and said he could help us. So we sent him all our docs including my husbands work history. He told my husband several times our application looked good and all he needed to provide was an offer letter for a job in XXXX. My husband gave him all the docs requested. Thru the process we kept asking if anything else was needed he kept reassuring all looked good. We left to XXXX got a room in a hotel got a realtor looked at homes XXXX gave us a preapproval letter gave us breakdown on homes not once did he stop us from looking not once did he tell us we were not qualified. He kept saying all he needed was the employment verifications. On XX/XX/XXXX we put an offer on a home it got accepted we scheduled an inspection then after two weeks of paying hotel, spending money on food, XXXX tells us we cant get the home because we do not qualify because of my husbands work history too many jobs in the past two years! He could have told us this before we moved to XXXX and we could hv avoided the storage fees, the hotel fees, and the eating out! XXXX  states if there are several jobs in the work history it still does not disqualify additional documents will be required to show proof of stability. I reached out to XXXX on the XXXX asking about this he never got back to us! Horrible experience, loss of time, loss of money due to his inability to address this as soon as we provided the work history!
Product: Checking or savings account

Good day. 
I have a money market account with Goldman Sachs Marcus. The account number is XXXX. This account is intended for saving purposes and not a credit card or checking account. 

XX/XX/2023, I noticed debits from XXXX XXXX checking accounts ( personal and business ). The business account number was not linked to Goldman sachs, so this was very questionable. My XXXX  accounts show Goldman sachs debiting these accounts odd amounts. A XXXX representative advised me that Goldman Sachs attempted to debit the business account in the amount of {$10000.00} in XXXX but it was rejected due to insufficient funds. Then in XXXX, my XXXX checking accounts were hit over and over again. I filed claims, placed alerts on my accounts, and closed the accounts. 

On my XXXX transaction history, it shows the debits were Goldman Sach 's collections. I don't have credit accounts with Goldman Sachs. I contacted Goldman Sachs who advised me they see the transactions but couldn't discuss with me. My online access was also blocked. Goldman reps told me management must review. 

This is still is not resolved. My Goldman sachs account is negative which makes no sense. I am attaching the statements forwarded to me. My balance should be {$10000.00} per the XXXX statement. 

I filed verbal claims with Goldman sachs and reported the matter to the FBI as fraud is ongoing. Goldman Sachs has allowed this matter to continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trellis company is reporting and trying to collect a debt that is 13 years old. This is a personal student loan issued to Colorado  XXXX College in XX/XX/2007. The XXXX is XX/XX/2007. I called Trellis to discuss the account. I also replied via email to a letter that I received from them in the mail demanding them to cease and desist on the collection and reporting of this account. Per the FCRA the statute of limitations has passed on this account. Trellis has been illegally re-aging this account.
Product: Prepaid card

I purchased 2 AmEx Gift Cards for my sons for XXXX. They are entirely unusable online, despite being advertised as useable online. The cards have no problems with taking {$0.00} authorization hits pre online checkout, but at checkout they are 100 % declined despite the balance on the card being sufficient. The transactions are from XX/XX/year> thru XX/XX/year>. Or varying amounts, from $ XXXX {$240.00}
Product: Mortgage

When we applied for a loan with Amerisave mortgage, we were required to supply a credit card for an appraisal before we ever got a good faith estimate ( GFE ). Amerisave essentially performed a bait and switch on us by asking for additional items not required by any state or federal law in an attempt to charge even more eroneous fees to pad their bottom line.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XX/XX/XXXXXXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XXXXXX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX Account Name : XX/XX/XXXX Account Number : XXXX and list of Inquiries. 

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 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 Any other adverse item 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: Debt collection

Paramount Recovery SYS started reporting on all three of my credit files back onXX/XX/XXXX. I noticed the hits back in XXXX I started disputing the suppose debt immediately. I tried calling the company line was always busy XXXX XXXX the XXXX I tried calling the company again and was successful with getting a agent on the line. The agent I spoke with stated that she did see an account however it was close and deleted off all three files. She validated the account and confirmed it was for {$730.00}. At that time I thought this account would be close and removed since I never received and responses from dispute letters sent to creditor and the credit bureau. On XX/XX/XXXXI contact Paramount Recovery to check the status of the account being removed and the agent I spoke with told me this account was not close and only in a dispute status. When questioned the agent said the debt was transfer from another debt collector and it was limited info. I was never notified of this account via letter or phone call. The agent stated a letter was sent out back XX/XX/XXXX. I never received anything. I ask the agent what information was sent out in the letter she stated she had no idea. I asked the agent how can your company place something on my credit file and never reply to my dispute letters or send me any information regarding the debt. The agent said you have to request an itemization well I did when I disputed the debt. The rep confirmed the company received my disputes from the credit bureau only and not from me directly I submitted to them both. The agent confirm the letters were receive XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Debt collection

I sent out a Demand letter and Cease & Desist letter for Robocalls to stop from this business. They called me 5 times regarding this issue without my consent. I did not give this company consent or I did not provide my phone number to this company to call me.
Product: Debt collection

Experian is reporting my debt as accurate but is not sending over proof that this debit is valid. Everything on Experian is possible negative. I have written them thru numerous of letters to ask them to show verification that the debt belong on my credit report and they send aback nothing of such.
Product: Mortgage

I came out of 3 months FORBEARANCE and wanted to refi MORTAGE at XXXX to XXXX with the amount I owned on my condo with Weichert Financial. They sent me letters that stated that they would help. Went thru channels to refi, I have excellent credit no issues they claimed the same thing. But they also stated I must pay All the arrears amount of both houses I own, one is a condo and the other is 2 family house. I took at a loan to pay ALL my Debt. And payed everything thru my bank XXXX XXXX. Continue the process with no issues. I was now current and out of FORBEARANCE. They also charged me {$500.00}. to get a Appraisal witch I paid. My Weichert Financial processor told me it would be a 3 weeks turn around and it was in underwriting for final approval! After numerous calls and emails Ive notice I had to XX/XX/20. I finally Received a email advising me my debt ratio was too high!! And wouldnt process the refi and denied me at the final moment! They had what I made, saving, XXXX and investment amounts and rental amounts. Had ample!! This is total wrong and unjust! It appears it was all a scam to get the money I owe them with no resolution or help Ive been a good paying customer for 10 years!! I feel they should of help they didnt!!