23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I selected this lender for my first time home purchase. I was referred to this place. I was pre-qualified, found a home, and started the process on XXXX/XXXX/2016. My close date on the contract was XXXX/XXXX/2016. Throughout the entire process i kept emailing and calling to find out what 's needed, what are the next steps. Finally on XXXX/XXXX/16 it seems someone started to work on my file. I 've been promised a closing disclosure since XXXX/XXXX/2016. Every day i 'm told tomorrow. My real estate agent has had my contract extended three times. I even emailed the CEO of the company for resolution without any. This is by far the most incompetent company i 've ever worked with. Throughout the process I felt as if nothing was happening. I was right. My appraisal was ordered two weeks before closing. My verification of employment was ordered 6 days before closing by XXXX XXXX. Now we 're nearly two weeks after i was supposed to close, they finally have everything they need and i still do n't have a closing disclosure or close date. Specifically tax returns, w2 's, verification of rent, verification of employment, termite inspections, and appraisal corrections were still needed on XXXX/XXXX/2016. XXXX and XXXX told me multiple times I was on track to close as scheduled. I emailed and called them daily. Nothing was needed. It seems as if no one touched my file until XXXX/XXXX/16. However, now it 's too late. I 've missed my close date, my contract is now invalid for the third time, and I 'm losing more money each day this closing is delayed. I 'm now at risk of losing the money i paid for the appraisal and home inspection as sellers do n't have to extend offer a fourth time. When I press and ask additional questions both loan officers find laughing appropriate. There has also been no accountability on Primary Residential 's end. When I demanded answers on what was going on with my file and why I was n't receiving my closing disclosure on time, my credit score was emailed to third parties with an email stating due to my credit score there are extra steps. It was never communicated to me that my loan would not close on time due to my credit score. There are many lenders that work with XXXX plus for FHA. Those lenders also understand the importance of customer service and contract dates. I do n't understand how this company is allowed to operate as a lender. I 've been told my loan is for final approval since XXXX/XXXX/16. New year, still not approved. I feel absolutely helpless at this point and the dream of home ownership is slowly slipping away.
Product: Credit reporting or other personal consumer reports

On XX/XX/23. I submitted my first dispute to delete an account from a creditor that I had not had any business transactions. Stating that the account did not belong to me and requested verification and validation of the account only to have the account verified. The credit bureaus were asked to provide copies of the original contract with my wet signature but failed to do so. Therefore I request the item to be deleted. However the items continues to remain on my credit reports. The FCRA states that all items reported have to be accurate or be deleted.
Product: Debt collection

Received a communication from Real Time Solutions for a debt that the system of litigations is expired on. Also, the debt was reassigned in a court agreement to another party and the debt origiinator failed to respond at the time the debt was settled in housing XXXXt. A cease and decsist letter regarding their communications was sent to them as well by return receipt certified mail also advising them of this and that continued efforts would be reported. They continue to send correspondence after this which is a violation of federal law.
Product: Checking or savings account

I made a reclamation cause {$130.00} Wells Fargo ' Bank and they answer to me : " The purchases was made for you or someone who had your permission '' It is ridiculous cause I am victim identity theft from 2017. Who can think being victim identity theft I can to give or provide my card pin to other person? I need my money A.S.A.P.
Product: Debt collection

The hospital ran redundant tests without cause as part of ER instances. The first instance was taken care by insurance and myself but the duplicate request for tests ( within XXXX days ) was an error and acknowledged by the hospital in-person. The subsequent visit to the ER supposed to be voided as they did not attempt to find any new intel and erroneously ran the same set of tests without prior analysis or consent. Reason for running redundant tests without consent was not provided upon multiple clarification attempts. Nurse on duty apologized for the Dr. not looking at recent results. 

To be absolutely clear, there was no relief or services rendered on this instance that could have root-caused the problems since the same tests were ran while previous results indicated differently. 

Despite all the issues and miscommunications on the hospital 's side, they still charged me, in full, and to top it all they sent it to collections that has had an adverse effect on my credit score and finances. 

Additionally, this looks like a bigger problem and has a recurring theme with multiple consumers with a very bad rating. 

Example : XXXX XXXX XXXXXXXX which says : -- -- -- - " The emergency room doctors here like DOCTOR XXXX XXXX that outsource their billing to a third-party company called XXXX, and they will relentlessly pursue you for payment, even if you're already in the process of getting the bill settled with your insurance. Ive been on hold for over XXXX minutesagain! This has happened multiple times, adding up to hours of waiting. 

Youd think that if they were so eager for payment, theyd choose a third-party service that actually answers their phones. Ive left numerous messages that have gone unanswered and sent emails after tracking down their addresses, yet still no response. This situation is utterly ridiculous, especially for someone like me, a decorated war veteran. '' -- -- ---
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was trying to send money to someone viaXX/XX/XXXXa d the money went into someone's account that I didn't know.
Product: Debt collection

XXXX has continued reporting XXXX 2005. This was a debt switched to my name before my ex-wife divorced me. XXXX has changed collection agencies to keep this on my record. I 'm not paying it and it 's over 10 yrs old. Take it off. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please make appropriate corrections reported as late payments on listed XXXX account # XXXX Law States 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Debt collection

I received a letter claiming I owe medical bill. I tried to call the company RMP SERVICES LLC to resolve matter and asked what medical charges was this for because time I received care I had insurance and I provided to XXXX XXXX and informed agent wasnt aware of any unpaid charges first attempt calling in agent agree to send back to hospital and Dispute. Then I called the second time and tried to get more details of I can resolve matter by providing my coverage agent advised me that debt can not be removed and Im responsible for all charges and if I dont pay debt can not be removed and told me its too late for insurance to cover charges and started saying you knew about charges continue to say how Im not trying to pay for a bill Im responsible for and continue to call and tell me that charges are accurate and the debt will continue to be valid
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX someone took my money i was a victim of scammed I report this on remitly and XXXX  but they just ignored me it was depressing to me that money i lost is supposed to be for a house but no one giving me support they just easily refused to request without asking me anything i am victim here but they are not taking me seriously i was begging for them to help me get me refund my money but they still refused
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$170000.00} XXXX XXXXXXXX XXXX Balance : {$490.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$170000.00} XXXX XXXX  XXXX Balance : {$490.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is collecting my data without my knowledge or consent, reporting inaccurate information, not providing a report, has made it difficult to obtain a customer service rep or an actual report. I have requested a freeze and also to stop collecting my information and distributing it to any Third-party, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

These were illegally added to my public credit profile on XXXX. 
I've mailed and called numerous times to explain that I had been a victim of identity theft between XXXX. The below list of items were never added by me and respectfully wish these to be removed. 

I filed an FTC complaint as well as an identitytheft.org on the following items. 

BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( NEVER LATE ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a letter from XXXX that a breach of their records had occurred and to call them if any problems occurred to me. 
My FICO score dropped unexpectedly. I called my bank, XXXX XXXX, and I was told Experian reported a loan was taken out in my name at XXXX XXXX XXXX. I called XXXX XXXX XXXX who verified a {$10000.00} loan was obtained by a person using my name and social security number on XX/XX/2024. The same person also went to a different branch and got a credit card with a limit of {$18000.00}. This was not me. 
XXXX gave me quite the run around about how to clear my name and responsibility for this loan and card. They are supposedly sending me a packet by snail mail to complete and return to them. 
I called XXXX to tell them about this scam. They had me sign up with a company called XXXX to help me with this problem. They sent me to my local police department to file a criminal report. The Seargent who spoke to me was very reluctant to help me. He didn't believe me and I had to insist that a report be filed. He said he would do it and I could get it in a few days. XXXX wants a copy of this report. 
I have called the three credit bureaus to freeze any further action in my name. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Fl XXXX XXXX Every time I have called I have to speak to a different person and tell my problem all over again. Very frustrating! 
I'm concerned that I will be held responsible for these monies obtained by a scammer in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to pull my credit report with multiple different company 's. I have tried to pull my credit report with XXXX XXXX and was receiving dashes for all of the information. I reached out to the three credit bureaus and they stated all of my information was correct. I waited about a week and tried to pull my report through XXXX XXXX again. Now it was reporting information but said it was last updated XX/XX/2018. I reached out to the three credit bureaus again and they stated all of my information is correct I should not have an issue. I waited another week and tried through XXXX XXXX again and I had a XXXX score with XXXX but showed I have no credit history. XXXX was showing dahes. I had no score with XXXX. I reached out to all three of the credit bureaus again and they stated they have my social and all of my correct information but XXXX XXXX still is not showing me having any credit at all. I have tried to pull my credit report with all three credit bureaus through XXXX XXXX and received an error stating my social was not correct. I contact all three credit bureaus and they stated that my social is correct. I tried XXXX XXXX 2 more times and was still not able to get any information. Also, I have tried pulling my report through XXXX and was able to access my report for XXXX and Experian but it shows I have no credit at all. XXXX would not let me even access my report. I have done contacted each of the bureaus 6 times and still have no information reporting.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

I Multiple times I Tried to fix the Problem Whit Chase but no Answer. Only I got Was A Copy of The XXXX The IRS Is Awear Of Chase Filing.Account Details Last Reported XX/XX/XXXX Creditor Name CHASE CARD Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$3500.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$3900.00} Highest Balance {$3900.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment -- Amount Past Due {$3900.00} Times 30/60/90 Days Late 0/0/0 Remarks Charged off as bad debt Canceled by credit grantor ... and is Inaccurate Information in The reporting..in Violation Of FCRA, TCPA And Others Federal Regulations ... And Violation Of My America XXXX  Act Rights by not offering any Acomodation..
Product: Credit reporting 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 corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$340.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX XXXXXXXX Balance {$2200.00} XXXX XXXX XXXXXXXX Balance {$3000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX XXXX XXXX : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance XXXX {$870.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance {$0.00} XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Product: Mortgage

My loan has fluctuated from $ XXXX {$2300.00}. Under XXXX, it was a fixed loan. With Quicken Loans, also, Rocket Mortgage, it is Conventional which I was unaware off. I was told that when they took over, the loan would remain fixed. 

They send double payments that I have repeatedly asked them not to. Several of their workers say information on statements are incorrect. Advised me not to refer to the statements. Payments are not applied as requested. Extra is never put towards principle as requested. There is always a shortage in Escrow. Fees are consonantly added. 

Most recent dates with problems that I can recall extends from XXXX XXXX XXXX. A payment of {$3300.00} was made around XX/XX/year>. One of their workers made adjustments of the payment on XX/XX/year>. This payment should have cleared all fees but did not. 

Asked for a copy, was not given one because I am in XXXX XXXX. Was told everything is sent to my attorney. Upon confirming with my attorney, he never received a copy of my history. I am attaching documents to show the variations in payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple letters to Bureaus over the last year about this alleged bankruptcy and It was finally removed from my XXXX Consumer Report on XX/XX/2022 Only. But 3 the accounts that tied to this alleged bankruptcy remains and they should be removed. These are the 3 accounts are tied to the alleged bankruptcy and the bankruptcy is removed/deleted from transuion so the accounts be removed as a result. 

XXXX XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX  XXXX ACCOUNT : XXXX I sent all of the of required documents needed to show the alleged bankruptcy and the accounts tied to the bankruptcy must be removed. 

According to the FCRA, in order for you to furnish the alleged US BANKRUPTCY XXXX you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy XXXX would be the creditor to furnish this information and have previously communicated with through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies ( XXXX, EQUIFAX, AND XXXX ) and the minors such as XXXX XXXX, XXXX XXXX, XXXX and the likes. US Bankruptcy XXXX has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy XXXX, I also confirmed with XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law. 

Having the abovementioned information, ( XXXX, EQUIFAX, AND XXXX ) is violating my federally protected consumer rights. In addition to that violation, you are also committing fraud since you claim to have verified this bankruptcy but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and I DID NOT give you neither direct nor indirect permission to furnish my information. 

They continue to violate me as a consumer and I have called them as well and they continue to say that the Bankruptcy COurts verified the bankruptcy when clearly the letter states that they dont. So the are lying and committing FRAUD willingly and knowingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this request that you reinvestigate the disputed Account from my credit report as well as update this Account from my report during the investigation period. As of this date, you have failed to respond to my request. The account is listed below for you to review : XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00}
Product: Debt or credit management

Midland management sent my falsified statement thru the law firm XXXX XXXX XXXX for a debt that was closed in XXXX, but the statements showed purchases and payment from XXXX to XXXX just to try to make the debt valid. My credit report can show that my last payment on this account was XX/XX/XXXX and the account was closed on XX/XX/XXXX. This is not my first dealing with Midland. I manage to handle the first issue many self. But they are getting more aggressive trying to get me to say yes on the phone and making false claim. But this time they put the mistake in writing.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX