23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I work for XXXX, XXXX, XXXX XXXX XXXX, XXXX. We are a XXXX XXXX XXXX ( XXXX ) firm with XXXX offices and over XXXX employees. This debt collector RSI Enterprises calls our XXXX XXXX, California office daily. I work for our corporate office as well as our XXXX office and I have contacted this company weekly for the last six months asking to have the telephone number removed from their list. When I answer the call it is always a recording and leaves the telephone number ( XXXX ) XXXX as the call back number. I have spoken with several individuals explaining this is a business they are contacting not someone 's personal and/or home phone, and each time I 've given them our main number ( XXXX ) XXXX and the XXXX number ( XXXX ) XXXX, requesting to remove the number from their list, last call on Friday, XXXX XXXX,2017. Today, XXXX XXXX, 2017, the call comes through again, I call the XXXX number above and the male individual by the name of XXXX becomes agitated as I stated I am going to report this business as I 've requested several times to have our business number removed from RSI calling list, as we do not know who they are looking for and it is quite annoying and frustrating to receive these calls so frequently. He became irate and spoke rude and aggressively. Upon checking XXXX XXXX #, he said this number was removed on XX/XX/XXXX, hmm that 's strange. I said yes it is, and if you keep reading you will see I 've called several times to have this problem corrected, and yet RSI continue to call our office, why ca n't someone from this company remove our number so that we can STOP receiving these calls. If you call XXXX 's numbers listed above, you can confirm we are a legitimate business and RSI should be competent enough to successively remove our business number from their list. He hung up on me.
Product: Mortgage

This XXXX and his entire family. MBN Mortgage Inc . 
XXXX - XXXX XXXX XXXX XXXX # XXXX This family is the realtor, the lender, the XXXX and the attorney they use. They are all doing predatory loans. 
They charged over {$9000.00} in mortgage origination fees. They charge transaction fees and when confronted move that money to the origination fees. The loan was VA for {$370000.00}. The interest rate was over 4 %. They told the buyer to backdate disclosures she was never given until day of closing because they didnt want her to see the disgusting ways they were quite literally robbing her. 
A XXXX vet with XXXX kids. It's absolutely disgusting. They refused to fix anything. I would suggest auditing EVERY SINGLE FILE they have ever closed because they are not afraid of being caught.
Product: Credit card

My credit card was used fraudulently ( XXXX ) with American Express. I reported the charges as soon as I noticed and they refused to issue me credit for the fraudulent transactions. I have not paid this debt as these are charges that are completely fraudulent. American Express has reported late payments to all ( 3 ) credit bureaus destroying my perfect credit history and lowering my XXXX score by XXXX points!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notice multiple late payments on my department of education, XXXX student loan account. I have been a XXXX XXXX XXXX at XXXX XXXX XXXX University. My account is deferred until I graduate. There is no way I should have any late payments associated with my account. Please remove them immediately.
Product: Mortgage

I approved for the HAF program and they tell that on XX/XX/XXXX Loancare received a check from them to cover my past due amount. 

As of XX/XX/XXXX they still have not applied this to my account.
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX Your company have violated FCRA 615 ( 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 XXXX XXXX XXXX   Last reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX 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, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Systems has failed to validate or send proof of contracts that I have with National Credit Systems. If National Credit Systems does not send a copy of this contract within 30 days, the only resolution I will accept is to delete the said debt from all credit reporting agencies. As it is a fraudulent account!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$540.00} I challenge the accuracy, compliance and reportability of this listing. 
There is no contract, no valid claim ... account was settled ... I want it removed. 
Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
You can not collect a debt twice, and XXXX XXXX stated that this is inaccurate, and your records are faulty or needs updated.
Product: Credit reporting or other personal consumer reports

This is making me worry a lot, can't help but noticed this inquiry on my credit report which I do not recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me XXXX  on why and how this happened because I did not apply for this.
Product: Credit reporting or other personal consumer reports

I am reporting that I have been a victim of fraudulent activity. In my efforts to remove fraudulent items from my credit report, I learned that I need to file an identity theft report with the Federal Trade Commission ( FTC ) at XXXX : XXXX. According to FCRA Section 605B, Credit Reporting Agencies must remove any items listed in an identity theft report with reference number XXXX. Attached are the documents needed to remove the incorrect personal information and inquiries posted to my report. The following items were opened without my authorization : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -- XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX, FL XX/XX/XXXX. Under FCRA Section 605B ( a ), Credit Reporting Agencies are required to remove any items identified by a consumer as resulting from identity theft within four business days of receiving the report.
Product: Debt collection

My husband wrecked his vehicle XXXX XXXX XXXX in XX/XX/XXXX. Up until then we were current on our truck note to Ally Financial Bank. The truck was rendered totaled by the insurance. We also notified the bank of the wreck. The bank Ally Financial gathered information from my husband that they needed to file with GAP so what our car insurance did not cover GAP could pick up and finish paying off the loan with Ally. My husband sent in the items requested for the bank to send to GAP which consisted of Affidavit of Accident ( Notarized ), Gap cancellation Request form, Gap claim checklist, a copy of the insurance company 's settlement check, and a copy of the official Police Report. We informed Ally Bank ( this had happened to us before ) we had received a letter from Gap stating if they did not receive all information they requested within 90 days they would not pay the remainder of the loss. Ally assured my husband they had everything they needed and it had already been turned in to Gap and everything would be taken care of. On XX/XX/XXXX we received a letter in the mail from Gap stating they did not receive everything they needed and was therefore relieved from their duty to pay off our vehicle. My husband again called Ally and informed them of the letter we received from GAP and they stated no they had it taken care of. When Ally started calling us wanting payments again around XXXX of XXXX my husband informed them they had said they had taken care of the payoff with Gap but received a letter stating otherwise. We then started receiving bills again in the mail from Ally for the totaled truck. I started making payments again on the truck since they did not take care of the issue with Gap. I sent a check for {$530.00} on XX/XX/XXXX. I also went on credit karma and filed a dispute because I felt like we were having to pay for something that Ally stated they had taken care of with Gap. After filing the complaint I no longer received another bill in the mail from Ally but there was a negative remark on my credit report from them stating " {$4000.00}, In Collections/ChargeOff, Account Status Derogatory, Charged off as bad debt Dispute resolved ; customer disagrees Closed XXXX XXXX '' Now I have started receiving a bill from their collections department. I had spoken with Ally prior to the collections and informed them since they had our conversation recorded then they should be able to pull it up and see where they informed my husband they had stated they had all the information they needed for Gap and that we no longer had to make payment since the truck was totaled Gap would take care of it. They said we are still liable and it would effect our credit if we didn't pay so that is why I started making the payments again XX/XX/XXXX. Then I never received another bill from Ally Financial after my payment and they added on my credit report they wrote it off and put negative remarks on my credit and sent it to collections.
Product: Mortgage

My ex husband had taken out 2 mortgages with Own it mortgage. When we divorced i was awarded the house. The loans were only in his name. This company went out of business and XXXX XXXX acquired the bigger mortgage. And then XXXX loan took over. I was ready to close on the refinance. ( I 'm listed on title only through a quick claim deed. ) When the 2nd mortgage showed on title, No one at my bank, the county, or at the current lender could tell us where the loan went. It was not showing on his credit report or on title. Nothing had been filed. We had not received anything from them, so we assumed it was consolidated into the first mortgage. We have been working on this for approximately 3 weeks when I decided to open up my own escrow and purchase a title report. We sent that report to XXXX and the discovered that it was sent to collections. Dyck O'Neal Inc at XXXX. He spoke to a rep there named XXXX who told him that since it was there for over 10 years that they had charged him interest at the sum of XXXX and the original balance of {$10000.00}. This account does not show on his credit report. They have not tried to contact us or him in 11 years. No one could find it?? The XXXX report shows the account inactive. One surprise after another keeps popping up for this loan. The mortgage is under my ex, XXXX XXXX. Ss # XXXX. His ph # is XXXX. The rep at this collection company wanted to know how much the house appraised for and how much money I was getting back to assess the amount, if any, of interest they MAY take off. I do n't think that 's any of their business. Seems shady to me. XXXX has all the copies deeds, title documents, etc. I do n't feel that 's right to charge that interest If you 've never attempted to collect it or not filed the correct documents with the county. They wo n't tell him what lender even submitted it to collections. So ..you are our last resort. My name is XXXX XXXX. My ph # XXXX. Im not on any of the loans. You can contact XXXX or myself. Thank you
Product: Credit reporting or other personal consumer reports

XXXX is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries, and I demand that they be removed off of my credit profile. IN know that factual information can be reported on my credit profile and that any inaccurate information must be removed. These inquires has caused me to be denied credit and has caused great financial harm because I can not obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off of my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. inquires listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. If they aren't removed, I will be filling an IRS form XXXX reporting them for unreported income, false/altered XXXX unsubstantiated income, and KICKBACKS, since these companies are paying XXXX to do XXXX with them. I'm also demanding that XXXX pay me {$1000.00} for violation for failure to properly investigate! I will also be filling a small claims lawsuit in court and willing to take the case all the way to federal court for defamation of character because it looks like XXXX is refusing to remove these fraudulent inquiries due to their business relation with these companies if they don't remove them I'll file attached paperwork!!
Product: Credit reporting or other personal consumer reports

To the honorable CFPB regarding the unlawful inaccuracies reporting on my credit reports from all XXXX major credit bureaus Experian, XXXX and XXXX. 
I have tried to call and mail, and dispute online but these XXXX credit bureaus have not provided to me any official documentation that would suggest that these inaccuracies are in fact my own. 

Furthermore, by law there should not be any collections, charge offs late payments, hard inquiries or incorrect addresses on my credit file credit report. Currently those items are showing on my credit report. 

I would like to have these removed from my credit reports in all XXXX credit bureaus please. 

Here are the legal provisions that prove my honest request is valid : XXXX XXXXXX/XX/XXXXXXXX pertains to collections, XXXX XXXXXX/XX/XXXXXXXX addresses charge offs & repossessions, XXXX XX/XX/XXXXXXXX relates to late payments, XXXX XXXX Code XXXX deals with hard inquiries. 

My credit reports have at least XXXX of each of these negative items. Please Grant my request. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

SofiXXXX  I deposited a check from my work. And it declined I dont know why. It always does they would not cash it and said it violated skenthng. It said temporary hold. For a week and I be able to get my funds it's been over a month They will not provide me with any info. They won't let me talk to other departments they wont let me talk to management They are holding my money XXXX with against law They said there is no time take and that I may never get back They are rude and tell me I need to stop worrying about it
Product: Mortgage

Our mortgage fell into default due to missed payments. On XX/XX/2019, we cured the default by making our account current. On XX/XX/XXXX, the mortgage company reported to the credit bureaus inaccurate information regarding our account. After speaking with the mortgagor, I was informed that they reported the status of our account correctly as of XXXX XXXX, 30 days prior to the date they submitted our information. 

Currently, any review of my credit report shows that as of XX/XX/XXXX, we are past due on our mortgage and the last payment made was in XXXX, and the balance is {$300000.00}. None of that information is correct as of XX/XX/XXXX, or even as of XX/XX/XXXX. This is not that status for our account as of any date in XXXX and should not be reported as such. This information is extremely damaging to our credit profile with the three agencies and has been attributed by multiple financial institutions as the reason for negative action on our accounts. 

The mortgage states that they can not update the credit bureaus until XXXX with 30-say aged information regarding our account, or in other words the XX/XX/XXXX status of our account. 

This reporting practice is punitive and I believe intentionally so.
Product: Credit card or prepaid card

I rented a car from XXXX and I was apparently over charged which took me over my credit limit on my XXXX XXXX MasterCard by about {$250.00}. I paid the balance I owed and the amount that took me over my credit limit I paid with my debit card which my funds should have been available on my card within 24hrs it was not when I called I was told that my funds could be held for 30 days if I did not fax in a copy of my XXXX receipt showing that the rental card agreement was completed. Today I called and spoke with XXXX who told my self and my wife that the funds would not be released for 30 days, the funds would be available on XX/XX/XXXX and this was a requirement of visa not XXXX XXXX this is not true I don't even have a Visa card I have a Mastercard. Not only is the 30 day hold a lie because my funds so far have been held from XX/XX/XXXX by XX/XX/XXXX is far more than 30 days. XXXX was terrible in his explanation of what is going on with my card. This is not right I did not ask for a credit I just paid my bill in full including any amount over the credit limit. I want to know why I am being punished for doing what I am supposed to do
Product: Credit reporting or other personal consumer reports

Experian have erroneously information in my credit report, that I have dispute before they still updating information on those accounts. Also dispute results letter has also erroneous information. There an address included in the dispute results that Experian stating is not in their records. I had a identity theft i send all information to Experian and still sending updated accounts. I need them Experian delete those accounts that are affecting my score. Also have a hard inquire they don't want to delete that ; they are asking me to call company that checked my credit without authorization. I'm referring to Experian. All others bureau they delete these accounts.
Product: Checking or savings account

I opened my citizens bank account in XX/XX/2018. 

As a new account holder, several times the bank placed 10+ day holds onto my deposits ( checks ). Okay fine, I am a new account and this is normal protocol. 

However as the months went on, I would randomly receive 7+ day holds onto my large deposits ( checks ) Never once has a check bounced from a bad check deposit, they provide no information as to why and no documents with dates for me to review. 

There is no reason for these holds, it is completely irrational. 

Now on XX/XX/XXXX I deposited a check for XXXX $ and they have yet again placed a hold until XX/XX/XXXX. 

That is a lot of money that they have, yet again, essentially stolen from me for over a week. 

I am completely stuck with them and have gotten nowhere speaking to their representatives over the course of the past 6 months. 

My account has never been in poor standing, I am a responsible customer, the only time I have struggled with finances is when they hold my money.
Product: Credit reporting or other personal consumer reports

Trans union once again did a so called investigation on an account that isn't mine. Every time I try to reach someone to get proof of how they validated these accounts I'm told the person reporting provided it but I'm not entitled. The amount is almost XXXX XXXX to a hospital I've never even been to. They did XXXX day investigating, and somehow decided it's valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company, XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX is submitting credit reports with my authorization of any kind. 

They are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Have the credit bureaus remove these immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has refused to remove a more than  7 year old pai d tax lien from my credit report. I have disputed at least 3 times since  XXXX , last time being  XXXX   XXXX . They sent me results stating that they have verified the information as correct. This is a violation of the FCRA.
Product: Debt collection

New American has violated a Cease and Desist by continuing to try to collect a debt not owed. I was informed this is mail fraud. Please hold them accountable. ( Exhibit E ) Cease and Desist sent on XX/XX/XXXX New American Violated on XX/XX/XXXX