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

I used XXXX to attempt to build credit. I purchased an item with their online store credit for a total of {$240.00}. When it arrived it wasn't what I expected but had issues returning it due to a damaged return label. I requested another one but had difficulty receiving it until after the 90-day return policy. During this time I made payments. The payments were returned to me and I spoke with them about this. I made the payment with a person on the line and she agreed it went through. The account said that. They still reported me 30 and 60 days late on my credit report. They didn't use the date I made the initial payments but rather the day that I corrected the issue. I would like them to remove the late 30 and 60 day reports from all three credit reporting agencies. This has caused a XXXX point drop in my credit score over something under {$250.00} and because of that my mortgage was denied according to my mortgage agent. I spoke with free legal advice experts at the Veterans Affairs who referred me to you. I have tried resolving the issue with the company and they can not give me timelines to fix the issue as I have a child XXXX XXXX XXXX and I desperately require moving into a larger home.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX / XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXXXXXX Balance : {$350.00} ; XXXX Balance : {$150.00} ; XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXXXXXXBalance : {$470.00} ; XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$470.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$6500.00} ; XXXX ; XXXX XXXX XXXX XX/XX/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

Bank of America closed my checking account XX/XX/XXXX which I thought was only for a negative balance. I later find out they closed my account for fraud which Ive never committed. The account balance was {$38.00} which I paid on XX/XX/XXXX. I talked to multiple representatives at Bank of America on XX/XX/XXXX and not one could pull up information about fraud being committed. I completely understand that my account may have been closed due to a negative balance, but Im being reported for something thats completely inaccurate. Fraud and insufficient funds are 2 total completely different things. After trying to resolve the issue I spoke with XXXX and XXXX XXXX  trying to get the issue taken care of. I spoke with a representative at XXXX on XX/XX/XXXX and told him my issue how Im being misreported as fraud. He basically told me he knows and Bank of America risk department reports EVERYBODY as fraud even if they havent committed any type of fraud and if I dispute its a waste of time because XXXX works for the banks not the people. He later told me also if I wanted it removed I would have to wait 5 years or pay {$400.00}. I then called XXXX XXXX about the situation and they told me to file a dispute which I received the documents in my email XX/XX/XXXX. This entire time Ive been misreported and its completely unfair to me because I cant get no type of Bank accts. All of them see me as fraud when Ive never done such a thing. I paid the {$38.00} that I indeed owe and I just want things to be done fairly. Yes I owed on a negative balance, no I didnt commit fraud. I called Bank of America risk department today ( XX/XX/XXXX ) to see if they updated XXXX and XXXX XXXX so I could pursue getting me a new account with a better bank who doesnt just reports every account closure as fraud. The lady told me even though I paid, this account will stay reported as fraud until XX/XX/XXXX. I  then told her that Ive never committed fraud and its reporting inaccurately. She told me that I shouldve filed a claim after the account was closed. I wouldve indeed filed a claimed if the account was closed to fraud, but I was under the impression that my acct was only closed because I had a negative balance of {$38.00}. Nobody at Bank of America can tell me how I committed fraud but theyve reported me. This is completely unfair and its causing unnecessary stress in my life because Im being reported for something that I didnt do. XXXX and XXXX XXXX are working with the banks so its basically 3 against 1. Ive never committed fraud and Bank of America is violating my rights. I demand some type of physical or legal proof showing I committed fraud, if not I need this misreported information removed immediately. Its at the point now where its affecting my daily life because I cant get another bank acct anywhere. If theres no proof where I committed fraud, I need to be removed from XXXX and XXXX XXXX immediately. Like I stated earlier, having an negative account and committing fraud are 2 completely different things.
Product: Debt collection

CCS Collection at XXXX XXXX XXXX, MA XXXX has been sending me collection notices in the amount {$190.00} the collection has been reported as pasted due balance i do not know this company i have never done any business with this company this company does not have a contact with my signature
Product: Checking or savings account

On Friday, XX/XX/XXXX, I attempted to log into my online US Bank account. However, I had changed my password a couple weeks back and my browser incorrectly saved the updated passcode so I mistakenly used a previous password. After XXXX attempts at logging in, I requested a new password. However, after going through XXXX authentication and in creating a new password, I was then presented with an error message when attempting to re-log in with the new password. 

I contacted US Bank customer support almost immediately and, after speaking to an agent, I was directed to the company 's fraud response department. However, the agent I was directed to was not available and I was presented with her voice mail. 

I made several subsequent attempts to contact US Bank 's fraud response department and, each time, I would speak to an initial agent, then be referred to another agent, only to then be directed to a voice mail. Each time I was directed to a voice mail, I provided my name, phone number and account number as requested. 

On XX/XX/XXXX, at approximately XXXX XXXX PST, after calling US Bank once again, I was informed that an agent named " XXXX '' with the fraud response department was the only individual who was able to remove the hold on my account. The agent who informed me of this provided me with XXXX 's direct phone number, along with forwarding me to her. Again, I was directed to her voice mail. 

On XX/XX/XXXX, at approximately XXXXXXXX XXXX PST, I called XXXX 's direct line. I was again directed to her voice mail. 

XXXX, nor any other US Bank agent, has made a subsequent attempt to contact me directly despite providing them with my contact information and a description of the issue I have been experiencing.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I mailed a letter to Advanced Resolution Services ( ARS ) requesting a Security Freeze and informing them that I could be a victim of identity theft. I attached all required documents in order to allow ARS to verify my identity prior to processing my request. OnXX/XX/XXXX, I received a response by mail stating that my request was denied because a signature was not provided. OnXX/XX/XXXX, I mailed a second letter with the required documents reattached and demanded my request be processed as a signature is not required by any regulatory body as a method of uniquely identifying an individual. OnXX/XX/XXXX, I received a second letter from ARS denying my Security Freeze request. The second letter I received provided no direct response to my challenge regarding the signature and therefore provided no reasonable path to a solution. XXXX had no problem fulfilling my request without a signature. I provided the exact same information to XXXX and they complied quickly and professionally. ARS has compromised compromised my livelihood and violated my rights by denying my right to a Security Freeze. I have attached copies of the correspondence and evidence I provided to ARS with each of the two requests. I simply want my request to processed as ARS is legally required to honor.
Product: Debt collection

Received the following : XXXX. Letter XXXX. Phone Call From the following company : TRS Recovery Services XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX behalf of : XXXX XXXX For a debt which was already paid and accepted by XXXX XXXX.
Product: Consumer Loan

Hi, I purchased a XXXX XXXX 2014 in XXXX of said year. I feel I paid too much for it. Since then I 've been paying $ XXXX.month for the car at 9.1 % interest. My Credit score at the time was XXXX through XXXX. I paid {$4000.00} cash downpayment and at this point ( 1yr and a half later ) I still owe aproximately {$25000.00}. I am XXXX and maybe that was the reason they made me pay that much. I would like to find out. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to the XXXX credit bureaus inconsistencies ' on my reports and noone replies. My XXXX was in charge of some of the debts on my credit and they will not remove : XXXX XXXX XXXX - was given to my XXXX to be responsible for in the XXXX XXXX XXXX  - I did NOT settle or get my car impounded so I am unsure why they are saying I owe XXXX? 
Why does XXXX show " XXXX '' accounts? 
XXXX XXXX - XXXX XXXX updated XX/XX/2022- this was paid! 
XXXX - XXXX XXXX updated XX/XX/2022 - what activity happened in XXXX? I don't have XXXX???
Product: Debt collection

The Simons Agency in XXXX XXXX called my phone in XXXX of last year and threatened to fight me after I told him don't call my phone again. Then around XXXX of this year the simons agency called me again and never even asked for my name. She stated I owed her a debt and the amount and who it was owed to without even getting confirmation of who she was speaking too. After i explained what she just did and that I would be making a complaint she then explained do what you have to cause we are suing you in court for everything you owe and getting your case together now. She still did not ask who I was yet. To this day they continue to threaten and harass me and my friends and family.
Product: Debt collection

all of them on my credit report. I dont know who they are and never took anything out with these companies. 
Ive not signed anything with any of them.
Product: Debt collection

Fair Debt Collection Practices Act Violation There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

Medical debt is now the largest source of debt in collections, totaling more than credit cards, utilities and auto loans combined, according to the White House. 

On XXXX the XXXX, XXXX, I received the attached letter demanding money. The demand letter was from Medical Revenue Service. LLC, the demand letter is requesting {$6200.00} which is incorrect. 

I XXXX XXXX disputes this allege Debt in its entirety. 

In XXXX, I was diagnosed with XXXX  XXXX XXXX XXXX. Needless to say, upon finding out this information, my life was turned up-side down and changed forever. 

As a result of my continues care and treatment, it has completely depleted my familys finances and any savings we were able to save. As you might imagine, my life and the life of my family has been changed forever as a result of this awful XXXX. 

Due to the late stages of my care, I am in the process of getting my house in order for the sake of my family. 

In the interest of Consumer Focus, my family and I are requesting that you suspend your collection efforts and close your files. Additionally, please do not allow your office to have any Negative tag lines to be added to my credit report profile. 

Furthermore, per your contractual requirements, please close this account in your office and return it to your client ( XXXX ) for further review. 

Along with this Complaint, a Formal Complaint will be filed with the of office of XXXX XXXX XXXX, Attorney General for the State of Florida. In addition, a complaint will be Filed with the office of XXXX XXXX XXXX, Insurance Commissioner office for the State of North Carolina against Medical Revenue Services LLC, Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Date : XX/XX/year> Amount : {$250.00} Merchant : XXXX Good evening, I opened a dispute with PNC Bank regarding the amount of {$250.00}. I purchased a vest with XXXX XXXX in XXXX, where XXXX payments are to be made towards the purchase. I did not receive the merchandise, which was supposed to be a vest from XXXX. 

The charge was done through XXXX. On XXXX, there are options to add your checking account information, your debit card and your credit card for forms of payment. I added my PNC checking account information and that is how the transaction was done. 

I opened the dispute because I did not receive the merchandise and XXXX also told me to contact my bank since it was done with my checking account and I did not receive it. PNC denied the dispute three times because they claim " I gave my checking account information to the merchant '' which is pretty obvious, but they never gave me a temporary credit, they did not " investigate '' anything and never contacted the merchant because that is what the merchant told me, so I did not have a fair chance at a dispute nor do I have the funds back in my account since PNC refuses to do anything about it.
Product: Credit reporting or other personal consumer reports

I was going to get an auto loan with XXXX bank and that bank was XXXX XXXX. But instead of sending my report to just XXXX XXXXXXXX and that's it. They sent it to muktiple banks without my consent. I only authorized my report for XXXX  XXXX and just XXXX time not multiple times.
Product: Mortgage

My name is XXXX XXXX. My mortgage was transferred by XXXX to Rushmore Loan Services for no obvious reason. My Rushmore loan account number is XXXX. One : It has been XXXX  ever since. Rushmore has REFUSED to provide me a COMPLETE amortization schedule covering the life term of the loan from 2018 to the end despite all my requests. Twice they sent an incomplete amortization schedule feigning ignorance. Two : Rushmore has REFUSED to adhere to the stipulated amount in the amortization schedule. I wrote them twice to stick to the amortization schedule but to no avail. They believe in arbitrariness since they wrote me that the amortization schedule was ONLY a guide. They took ALL my first payment as their interest with zero credited to my principal. I did NOT engage their services. All pleas for explanation fell on deaf ears. Contrary to their amortization schedule for a loan balance of {$47000.00} their stipulated interest is about {$200.00} but this XXXX they have decided to collect about {$300.00} as interest. I have lost about {$2000.00} to their unwary antics and unscrupulous means. Three : since the inception of my loan with XXXX and then XXXX  I have been handling my XXXX XXXX Property tax and AliefISD tax by myself but Rushmore decided to add it to my Escrow account. I wrote them thrice to leave it out but they have chosen to ignore me. Now my fixed monthly payment of {$540.00} is being disrupted because Rushmore has refused to follow simple instruction. My fixed monthly payment of {$540.00} is being diverted to a suspense account with a contrived late payment charge of {$15.00} and even letter of threats to report me to the credit agencies. They have deducted about {$30.00} late payment penalty for this. Your assistance or intervention is urgently needed.
Product: Checking or savings account

I reside in XXXX XXXX had checking account established with US Bank XX/XX/XXXX via on line. Occasionally deposit money by check thru the mail service. Seen they were offering a pretty good cd rate so called an had banker transfer XXXX for 7 month CD.on XX/XX/XXXX with maturity date of XX/XX/XXXX. Called XX/XX/XXXX to see if rate would stay same and if not transfer to checking. Confirmation number XXXX. When I received new statement in mail seen CD had not been transferred to checking. That is when I first called XX/XX/XXXX and found out the CD was renewed at ,05 % I asked at that time for it to be transferred to checking on XXXX XXXX. Have made contact with them speaking to four different bankers and each time they refer to another department.My last contact was with banker XXXX on XXXX he said Supervisor XXXX would call and fix problem. Well one again no call and CD remains where it is with I having no access to it. 
Call dates again are XXXX XXXX. Direct Tel # yo XXXX XXXX ( sp ) XXXX XXXX XXXX have called and left message with no return calls Please help I'm XXXX XXXX and this is very troubling. 

Thanks In Advance Tel # XXXX cell XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a signed legal deferment document from XXXX  for my XXXX and XX/XX/2020 payment. XXXX reported to all three credit companies that I was late for XXXX. 
I contacted the lender directly expecting to resolve this issue. After several attempts that resulted in no answers, ignored phone calls, and a lack of professionalism ; I was told by a representative that while under their system I was " current '' XXXX  would not change the " late payment '' report from my credit. 
I proceeded to start a dispute with all three credit companies. I mailed the deferment document to each, along with my request. 
XXXX  's results corrected the XXXX payment and updated it to " paid-on-time. '' XXXX XXXX  results denied my request and the XXXX payment stayed as " 30-days-past-due. '' Equifax results not only denied my request but it now also shows XXXX AND XXXX as " 30-days-past-due. '' I have spent hours collectively speaking with both the lender and the credit companies ( XXXX, Equifax ). I have a hard time believing that a legal deferment document has not been honored by these entities. The two credit bureaus told me all they could do is take the information provided by the lender as facts. 
XXXX  needs to be held accountable for not only providing different information to each credit bureau but also for not honoring a signed legal document. 
When this company belonged to XXXX I never had an issue. The newly called " XXXX  '' lender does not care that it services military members and is quick to take our hard-earned-money, yet, it will not uphold its standards to the law. 
This is the first time that I asked this company for a deferment as COVID-19 has left a great financial impact on my family. 
This lender evidently does not care about my financial wellbeing whatsoever. 
My next step is to take legal action against this company if this matter is not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want Early Warning to mail me a complete copy of my most recent consumer report.
Product: Debt collection

An collection company named ( NACS ) North American are pretending to collect the amount of {$91.00}.

When an agreement for a monthly payment plan with " XXXX XXXX '' was established since the month of XX/XX/2019, 6 payment of {$15.00} for a period of six months.

( Verified Attached, upload Invoices ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried in three separate mailings to resolve this with XXXX, Experion, and XXXX. On each occasion I included the required identifying information along with court documents showing the respective dates of a dismissed without prejudices  bankruptcy (mine) in the XXXX (XXXX) Bankruptcy Court and the court document showing the Discharged (XX/XX/2018) Bankruptcy case in the XXXX   Bankruptcy Court, along with my request that the credit reporting bureaus recognize the dismissed bankruptcy on my credit report, which they had not done for over a year, and that they report the discharged bankruptcy in the Nevada court.  I just completed my fourth mailing and neither of these request have been honored by any of the three major credit reporting bureaus.

BOTTOM LINE: My credit report is not accurate which I believe the Fair Credit Reporting Act requires the 3 bureaus to ensure.
Product: Credit reporting, credit repair services, or other personal consumer reports

When checking my credit report I have noticed that XXXX is reporting a debt that does not belong to me and could not be validated and verified, I disputed this debt on XX/XX/2018, XX/XX/2018 XXXX and XXXX has not validated this debt, i requested signed documents bearing my wet ink signature, after repeated request for over 3 months XXXX has not provided me any type of validation, they have not provided me with any type of documents that shows i agreed to pay this debt, i did not sign any agreement or documents with XXXX or the company that they are collecting for. 

I disputed this debt with Experian on XX/XX/2018, XX/XX/2018 XXXX and Experian has failed to validate this Debt and continues to knowingly violated FCRA. 

Experian gives me know options on their website to re dispute this debt as not mine. 

I recently received a response to a dispute on approximately XX/XX/2018, XX/XX/2018 XXXX that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation with XXXX. 


I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this CFPB complaint. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.