23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2018 at XXXX pm, GC Services called my son from number XXXX looking for me stating it was a " personal business matter '' and that they had my son 's number, " XXXX '' as a valid contact for me, which is not possible since I have never given anyone that number as a valid contact for me, nor is he on my loans as a contact, since at the time of the debt he was XXXX years old. He only recently turned XXXX. 

This is harassment and I would like to press charges.
Product: Debt collection

I would like to see the documents showing chain of title for this loan from XXXX to Real Time Resolutions. Real Time Resolutions reported it to XXXX in XX/XX/XXXX. When I disputed it, it was immediately removed.I am still investigating this loan that I havent heard anything on for many, many years until a strange phone call back in XX/XX/XXXX. A man from this company called and told me I owed {$27000.00} and if I gave him {$3000.00} in two days, I will be paid off. When XXXX took over my mortgage in XXXX, I was told by them, I no longer owe XXXX anything. I never received any bills either.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation.

I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX  ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Checking or savings account

I have been trying to close this business account for two weeks. There are no outstanding checks. It took several tries before I could even transfer out the balance on the account to my new bank. Although the ACH transfer was set up and approved, and I could make an initial transfer, the bank would not transfer out the final amount, it just refused the transfer. I had no outstanding checks and no outstanding bills and no ongoing scheduled payments. The account had been inactive. 

After several phone calls they stalled many times saying they could not verify my identity, even when I provided all security info they requested. Finally the money transfer did occur but even then they would not close the account. 

This has taken many many phone calls and just now they have finally agreed to close the account, only after sending me to a supervisor several times. This is clearly a method they are using to trap customers into not moving out of their bank. In all other transactions in the past there was none of this rigamarole ... I have done many ACH transactions and moved money many times but as soon as I went to close the account there was this huge delay. I spent many hours working to close my account! So very frustrating, feeling held hostage, really bad service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letter to Equifax asking them to remove accounts that I felt that they were reporting inaccurately. According to 609 of the Fair Credit Reporting Act in order for a credit bureau to place something on you credit file, by law they must have original documents to verify before placing them on your account. So they have not furnished any documentation they just sent a letter stating that the reporting was verified and accurate.
Product: Credit reporting

TransUnion Customer Service, My father died on XXXX XXXX and his body was n't found until XXXX XXXX. This is put an emotional and financial strain on our family and we need requested expedited to pursue our legal intentions. On my mother 's behalf ( XXXX XXXX is cc'ed above ), I respectfully request an expedited copy of my deceased father 's TransUnion Credit report . We are requesting that an electronic PDF copy is sent to everyone cc'ed in this email immediately. I look forward to hearing from you. Your response is greatly appreciated. 

Very respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX ; XXXXXXXXXXXX XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXX '
Product: Checking or savings account

I've recently tried to open a checking 's account for Capital One bank, but the application was declined and wont approved because my XXXX XXXX  deposit score is XXXX and stated that the number of different banks inquiring during the last 2 years. this was the XXXX time I've tried to do it on this bank but i got the same warning
Product: Debt collection

XXXXXXXX XXXX  claims that my son took out two loans using me as a co-applicant in XXXX totaling XXXX. He started making payments when the deferment period was over, however he was unable to keep up with it due to lack of income and as a result it was turned over to a collections agency Williams & Fudge. He again tried to make payments to them and once again fell short. They then reached my husband by phone at home and discussed the situation with him without my consent and caused more stress and harm to his health. I then took over and agreed to help my son by making monthly payment from XX/XX/XXXX thru XX/XX/XXXX when I lost my job. 

I contacted Williams & Fudge and let them know that I will not be able to continue making payments and the woman became outraged and told me that I have to make a full payment of {$27000.00}. ( approx. ) within a week. I explained that I can not afford that then she said she will settle for {$16000.00} ( approx. ). Again I couldn't afford it so I offer a one time payment of {$10000.00} using my credit card and she took it and processed it right away. However, she did not informed me that upon payment this will settle the debt against my son and myself until I asked. I was disappointed and betrayed so I had her reversed the payment for failure to disclose her intentions. 
I then started to seek help regarding these loans to I asked for proof of them loans and XXXXXXXX XXXX was able to provide me with only one promissory note for XXXX and I haven't anything on the other loan they are claiming. I never benefitted from any of these loans. 
I have no direct communications with XXXX XXXX but Williams & Fudge representative made a false statement to them that I agreed to pay and settle for {$10000.00} to have my name removed. Now XXXXXXXX XXXX attorney drawn up an agreement for me to make payment and settle which I did NOT agree to.
Product: Consumer Loan

XX/XX/XXXX I took out a car loan from a local car dealer, and was toldthat it was simple interest with no prepayment. To my surprise afterwards, and my fault for not reading the entire contract, there was a prepayment penaltySo with that said, I have prepaid the loan to {$.00}, but I am now gettingharassing phone calls from USBank telling me I am past due even though it isnot due XX/XX/XXXX. I have spokento more than a dozen USB representatives, trying to explain that I haveprepaid it, they acknowledge it, and even sometimes even embarrassed. Theyexplain, that there computer system can not handle the prepayment, andthat they will continue to call me. They state the only way that they will stop isif I pay the prepayment fee, which is not owed. How do I get USBank tostop the harassing phone calls?
Product: Mortgage

My wife and I have applied for a mortgage and were approved in XX/XX/XXXX with the company " Guaranteed Rate '' to purchase a new construction home. The house is completely built and finished - I have verbal and written confirmation from the builders, inspectors and realtor that the house is finished and ready for closing. We have earnest money ( {$25000.00} ) already given to the title company. However, XXXX XXXX from " Guaranteed Rate '' who has been working on our loan for almost one year is still repeatedly requesting for the same documentation that has been submitted multiple times to her since XXXX XXXX. XXXX XXXX also advised us to sell our house ASAP and our old house was sold in XXXX XXXX. Our living arrangements have been complicated for the last 3 months and very challenging since I also just had a baby last XXXX. We will be out of a place to live by the end of XXXX. We were promised a closing date of XXXX XXXX, XXXX ( 1st time ), XXXX XXXX, XXXX ( 2nd time ), XXXX XXXX, XXXX ( 3rd time ) and now XXXX XXXX can not give us a closing date - SHE is the last link we are waiting for to close and move into our new house. We respectfully request assistance with this urgent matter. 
XXXX XXXX from Guaranteed Rate - tel : ( XXXX ) XXXX, email : XXXXXXXXXXXX XXXX XXXX ( Loan Coordinator ) from Guaranteed Rate - tel : ( XXXX ) XXXX, email : XXXXXXXXXXXX XXXX XXXX ( Corporate CEO ) for Guaranteed Rate - tel : ( XXXX ) XXXX Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my XXXX XXXX and noticed that I had late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the companies to remove these unauthorized inquires and they say it is the credit reporting agencies responsibility. They are unauthorized inquiries.   They are listed below :   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX     XXXX    XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX     XXXX    XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX      XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX      XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Miscellaneous Reptg. Agencies  XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Auto Financing  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Miscellaneous Reptg. Agencies  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    XXXX   XXXX . Agencies  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX . Agencies  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Utilities DISCOVER BANK  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Credit Card  XXXX .   EQUIFAX MORTGAGE SER  XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Automobile Dealers, New  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Mail Order Firms   XXXX     XXXX   XXXX   XXXX    XXXX   XXXX  Mail Order Firms   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Automobile Dealers, Old  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Complete Dept. Stores  XXXX  MOTORS,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Automobile Dealers, New   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Auto Financing  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Auto Financing  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Credit Unions   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Personal Loans Cos.     XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Auto   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Personal Loans Cos.     XXXX   XXXX     XXXX   XXXX   XXXX    XXXX   XXXX  Telephone Companies WF  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Credit Card  XXXX .    XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Credit Card  XXXX .
Product: Credit reporting or other personal consumer reports

Credit Karma is reporting inaccurate information on my credit report and failed to investigate collections before putting them in my credit report. 
XXXX credit report via Credit Karma is reporting the same collection twice on my credit report and cause my credit score to drop significantly.
Product: Mortgage

Flagstar have been playing loss mitigation games with me since XX/XX/year> its been grueling self defeating and discouraging the latest unethical tactic is they website have been blocking me out for 2 weeks straight. Originally I was only 4 payments back Flagstar also went far as refunding my last payment in XXXX just to justify to put me in active foreclosure while in the guise of supposedly helping me with the loss mitigation, come on I sent them every document they requested for the last 6 months and they still keep coming up with something new or come with the we haven't received the documents are we can't read the document the same ole same Ole. It's XX/XX/year> and now they accelerate the forecloser while I am waiting for their review I was told one thing about I have sent in all the documents then only by mistake when I call in to ask questions I am told or asked for documents that they have not asked for the prior six months because of all of this I not only owe the original back payments but a extra XXXX in lawyer Reinstatement fees. When I talked to the Reinstatement lawyers I asked them why would they accelerate a foreclosure on me the reply was Flagstar bank told us to so I called Flagstar bank and asked them why would you instruct XXXX XXXX XXXX to accelerate a foreclosure on me the reply was your loss mitigation is not complete all this after 3 days prior I was told by Flagstar that they have received all requested documents this is what I call the Loss Mitigation game. One more note in XX/XX/year> I called in to pay the 4 months back that was allegedly owed I was told they wouldn't accept the payments because as of today we filed an active foreclosure on you that day, all the while I was thinking the loss mitigation process was in good standing. Very very deceptive.
Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on LEWIS MCDONNELL & ASSO ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

I am writing to formally address an ongoing issue with the reporting of an account that I believe is inaccurately reflected on my credit report. After reviewing my recent credit report from your bureau, I have found that the account XXXX XXXX XXXX XXXX continues to report incorrect information, despite my prior attempts to rectify the situation. 

As outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, 1681s-2, and 1681c, I am requesting that you immediately take action to ensure the information regarding this account is fully corrected and that the updated and accurate details are reflected in my credit file.

Under 15 U.S.C. 1681, credit reporting agencies are required to maintain accurate and complete information. Furthermore, 15 U.S.C. 1681s-2 places responsibility on furnishers of information ( including creditors and financial institutions ) to report accurate data to the credit bureaus. Lastly, 15 U.S.C. 1681c sets clear guidelines regarding how long negative information, such as charge-offs, should remain on a credit report, and mandates that any outdated or erroneous data be promptly removed. 

If the inaccurate information continues to be reported, I will have no choice but to pursue legal action against your organization for violating the FCRA, as it is essential that all information reported on my credit report be accurate and in compliance with federal law.
Product: Credit card

I placed XXXX orders for XXXX from XXXXXXXX XXXX XXXX XXXX XXXX. 
I didn't hear anything back until recently and they say I didn't send in my support information and I did via email and have proof XX/XX/year> for {$50.00} ( this order was never received, the company didn't track it, just mailed from overseas and it was probably lost. NO TRACKING or insurance ) XX/XX/year> for {$50.00} ( this XXXX arrived but it was expired, i sent photos to the company and to PNC ) the charges went through- XXXX XXXX mailed in all of the information they requested but they say they didn't receive it. I sent it in via fax and via email. I am unsure they would wait almost XXXX months to let me know they didn't receive any information from me. 

I have reached out to this company who sold this so many times and I know this isn't PNC 's problem but it shouldn't be this difficult to process a dispute that is so XXXX and XXXX and how am i sure they get the information I sent to them moving forward or ever? 


I sent the details to PNC via email and XXXX XXXX I have those saved sent emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXXXXXX Date Opened : XX/XX/2015 Balance : {$20000.00}. Please remove this account ASAP.
Product: Mortgage

They will NOT send my payoff, they keep claiming they are faxing it and verify the fax #, every single time I call there is a different excuse, it takes 5 days, it takes 2 days, you sent the payoff request to the wrong fax number, can you verify the fax number, and now they say they have faxed it 3 times but don't have the times it was faxed. My attorney is holding my loan proceeds until they receive the payoff statement which never seems to come!
Product: Debt collection

First the previous section did not have a box that applied ... pls see explanation below! 

In XX/XX/XXXX I sent a letter to Central Financial Control offering to settle to medical collection accounts. CFC never responded. I tried several more times by phone and mail without any response. 
On XX/XX/XXXX I faxed an offer to settle my 2 accounts with CFC on behalf of XXXX XXXX XXXX XXXX XXXX. The 2 accounts totaled {$5300.00}. 

Today I received in mail a response from CFC dated XX/XX/XXXX saying I had asked to verify the debt. This is incorrect ... .I had asked them and have been asking them since XX/XX/XXXX to try and settle these debts. As I explained in the letters to them I have XXXX and want to settle all outstanding accounts so my spouse will not have to deal with them in the future. 

I understand CFPB can not make them settle, but I need someone I can communicate directly at CFC to settle both accounts. 
Any help with this would help alot! 

PS ... I did reach out to XXXX who owns the debt and they refused to discuss it and kept referring me back to CFC who is not responding to settlement offers. 

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

In XXXX of 2022, I sent a dispute to XXXX, XXXX and Transunion credit reporting agencies. The results came back as verified as accurate. On XX/XX/2022, I sent a method of verification letter to all 3 reporting agencies requesting the description of the procedure used to determine the accuracy, name, address and telephone of each person contacted regarding the disputed account and a copy of any documents provided bearing my signature showing that I have a legally binding contractual obligation to pay the amount claimed. I asked that that those items be sent to me within 15 days and as of today XX/XX/2022, I have not received any documentation. I have attached a copy of the letter sent to all 3 reporting agencies and a copies of the US postal service certified mail receipt.
Product: Credit card

I received a collection letter from First National Collection Bureau XXXX Inc for {$940.00} for creditor XXXX XXXX XXXX, original creditor XXXX XXXX Bank, N.A./. 
This is a false debt so i called them to dispute it. 
The first person I talked to claimed it was a credit card between XXXX and no other information was available. After a brief discussion I explained how this was not a valid debt ( the last credit card i owned was around XX/XX/XXXX ) and she said to send her that info in writing. I hung up and after doing some research on the company I found out they have an unsavory reputation preying on expired SOL ( statue of limitations ) debt. I called back hoping that I could stop any more badgering by pointing that out. The next person I talked to gave me more information about the account ( meaning the other person lied about no other information being available ) and told me that a SOL did not matter with their company. I told her that was inaccurate and that the FTC states one can not be sued for debt out side that SOL. She claimed that was innacurate information and they were a private entity. I asked her if her company was above the FTC. She said no but that info was wrong. Furthermore, she told me the account had been closed by the previous rep but she would reopen again it due to my verbal complaint which sounded like a threat! In the end they ended up being unprofessional, manipulative, and liars. I am sending them a cease and desist letter and I hope that is the last I hear from them.
Product: Credit reporting or other personal consumer reports

Cavalry Portfolio has reported a collection account on my credit report with inaccurate information. I have requested that the company provide all relevant details regarding this account. The account is beyond the Texas statute of limitations ( SOL ) and is in violation of the Texas Finance Code. I am requesting that this account be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

recently checking my credit report i noticed that ive been a victim of identity theft and founf numerous credit inquiries i have no knowledge of, here are the inquiries that ive found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, please remove these fraudelent inquiries from my credit report. i also attached my identity theft report as well