23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received calls from RFG Financial daily for three days ( XXXX ) without answering their calls. I answered their fourth call when it became apparent they would persist calling. The woman calling stated she was with RFG Financial and was calling with regard to XXXX XXXX XXXX. She asked for me by first and last name and I confirmed that was my name. She inappropriately asked for date of birth and Social Security number and other personal details, which I declined providing because I have no business relationship with RFG Financial or XXXX XXXX XXXX. She would give no further information about the purpose of her call, but persisted to inappropriately demand my personal information. I requested she mail to me any pertinent information to whatever address she had for her account. I asked that she stop calling, but she did not indicate she would. I do not recall ever having a XXXX account. I have no past due debts. I checked a free credit report today that shows no matters subject to collection. I have had credit freezes with all the bureaus for a long time to guard against identity theft. I think this company is not being careful in using correct contact data for debtors, resulting in unsolicited calls to wrong numbers. It is unclear what they gain by calling on the telephone where no person with basic sense would divulge any personal information.
Product: Debt collection

On XX/XX/XXXX i sent by certified mail to Receivables Management Systems a letter to validate a debt they have been reporting on my Credit Report Since XXXX. They failed to respond to me at all. On XX/XX/XXXX, a dispute was started with XXXX, they quickly verified this account with XXXX and continue to damage my credit with this unvalidated information. On XX/XX/XXXX Received a letter from RMS SAYING THEY NEEDED TIME TO VALIDATE THE ACCOUNT BY REACHING OUT TO THE ORINGINAL CREDITOR, ON XX/XX/XXXX I CALLED RMS AT XXXX A.M TO DISCUSS THIS, RMS CONFIRMED ON THE PHONE TO ME THEY COULD NOT VALIDATE THE ACCOUNT, BUT STILL REPORT THIS HARMFUL INFORMATION ON MY CREDIT ACCOUNTS. I SHOULD NOT HAVE TO CONTINUE TO SUFFER ANY LONGER BECAUSE OF THEIR FALSE REPORTING PRACTICES. I REQUEST THE NEGATIVE ACCOUNT BE REMOVED DELETED FROM ALL CREDIT BUREAS IMMEDIATELY. ALSO THEY SHOULD BE FINED AND I AM REWARDED MONETARY DAMAGES. RMS ALSO LIED AND SAID THEY DID NOT RECEIVE MY ORINGINAL XX/XX/XXXX REQUEST BUT IT WAS SIGNED FOR BY THEM. THEY ONLY RESPONDED TO THE XXXX DISPUTE ON XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a third party collection agency started reporting a {$840.00} collection on my credit report. I didnt sign a contract with the collection agency and I DID NOT give my consent to them to access my personal credit information. I want the reports to the credit bureau to cease and reports removed immediately.
Product: Mortgage

I made a payment on XX/XX/2022 that paid off the loan. XXXX XXXX ( LoanCare ) recorded the final payment on XX/XX/2022. To date 3 weeks later ( XX/XX/2022 ) the final payment of $ XXXX has not been applied to my loan and is sitting in a suspense account. I have tried again and again and again to get XXXX XXXX ( LoanCare ) to record the payment and they refuse to do so. they claim many reasons but it has been 3 weeks already. Every time I call I get a different story. 

In addition XXXX XXXX ( LoanCare ) has sent me two different payoff statements. Each is incorrect and XXXX XXXX ( LoanCare ) has confirmed that the payoff statements are incorrect. They charged me for both of the incorrect statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian, XXXX and XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the account listed below. 

The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Debt collection

I looked on my credit report and noticed that there is alleged debt that hasn't been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a inquiry alert on XXXX  for XXXX. Also for XXXX .I contacted the company for the XXXX inquiry and nothing was done. They told me they didnt even have me on file and to contact XXXX. I did and nothing was done. But both of those dates i have never applied for any credit. Why would i apply twice for the same credit card a month after each application? It wasnt me. This is either fraud. Or the company is reopening old files and reporting it to the credit bureaus. I say this because I actually did apply for a credit card on XX/XX/2019, which i was approved for. so maybe someone in the company keeps opening that file and reporting it for some reason. Because this doesnt make sense. Ive been working with XXXX credit repair for months now trying to repair my credit. So why would i keep trying to open up new credit cards? I was told from XXXX to freeze my information from the secondary credit bureaus, such as XXXX XXXX because its possible that im a victim of fraud. Can someone please remove these inquiries XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Im writing you to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy that inquires from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were made without my knowledge.Credit Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB Staff, Southwest Credit XXXX is reporting fraudulent information on our credit scores with the various Credit Bureaus. 

They are attempt to collect a {$300.00} from XXXX. That is an error or outright fraud as the device in question was long ago returned to XXXX.
Product: Mortgage

SLS has repeatedly miss-applied funds that were to be applied against the principal. The result is a falsely inflated balance that SLS uses to calculate the amount of interest owed. SLS is charging more interest than allowed by the original loan documents.
Product: Credit reporting or other personal consumer reports

Synchrony Bank XXXX XXXX XXXX XXXX purchased a mattress with the XXXX XXXX Synchrony Bank Credit Card. 

Customer returned the mattress on the XXXX XXXX Synchrony Bank Credit Card to a balance of {$0.00}. 

Synchrony charged the customer a {$41.00} principal interest amount on a balance of {$0.00}. 

Synchrony sold the account to XXXX to collect the {$41.00}. 

XXXX sent the customer a bill for {$360.00} ( {$41.00} + XXXX ) and sent the unpaid bill to the credit reporting bureaus. 

Customer is being wrongfully and illegally charged for not using the credit card. 

Synchrony Bank, XXXXXXXX XXXX and XXXX  are violating the Consumer Credit Protection Act and negatively impacting the customers credit report. 

The customer wants all of the Synchrony Banks, XXXX XXXX and XXXX closed with a negative business rating. They can call the customer to dispute the decision to close their business down. 

The customer wants this transaction removed from her credit report immediately and her credit score points restored immediately. 

Synchrony Account # XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because the company XXXX loan servicing has been falsely reporting on my credit report. We entered into a modification agreement a year ago. Since then XXXX has continued to report that we are 120+ days behind on our mortgage. I also, started preparing for a loan under my company that I own. When my financial consultant noticed XXXX flagged my credit report for deed in lieu. Which is basically stating we lost our home or was about to under foreclosure. This never happened. We worked out the modification and have never missed a payment since. I have contacted the company to have the remove this information. XXXX did the research and said in a letter they did not do this and if I had evidence supporting my claim ; to forward it to them. I did so through certified letter. I reached out after 35 days later after no response. XXXX customer service people advised they did not see anything in the system receiving it or correspondence further than the original denial letter regarding the Deed in lieu false reporting. This is hurting my personal credit and hurting my business from moving forward. I would just like to have this corrected immediately. This just appears that they are attempting to keep customers held to them because my destroying their credit they can no longer go any where else. 
I have tried to fix this issue with experian credit reporting. However, XXXX says they did nothing wrong and experian goes along with them. Denying my claim and failing to fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 credit reporting agencies notifying them that these had inquires listed below are inaccurate and not authorized by me.I have ask over 45 days ago to Please investigate and remove this inquiries from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. I have sent letters via certified mail as it requires prompt attention and response from them to Please forward any documentation that they may have in regards to the removal of this credit inquiries. They are not cooperating and have not removed these inquiries that are affecting me. 
XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX Inquiry : XXXX. XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX/XXXX  XXXX Inquiry : XXXX. XXXX, XXXX. XXXX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. XXXX XXXX Inquiry : XXXX. XXXX, XXXX. XXXX/XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX. XXXX XXXX/XXXX-XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Its incredibly disheartening and upsetting to see unauthorized inquiries on my credit report, especially without any clear reason. I just wanted to check my credit as I normally do, but instead, I found these errors that wont go away. Refreshing the page didnt work, and Im pleading for a thorough review of my documents so I can put this frustration behind me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 36 hard inquiries with companies I have never even heard of. I believe that a car dealer may have ran my credit through companies after I explained I already had financing in place and would not need them to run. The date was from XX/XX/XXXX - XX/XX/XXXX Wfds XXXX, NC XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX  ( This one was put through twice on XX/XX/XXXX and XX/XX/XXXX ) XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX   XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
Product: Mortgage

We have been trying to get this resolved since 2017 and the bank representative will not send us copies of the documents showing that we signed for the loan. Were requesting copies of the transcript of the mediator selected by the bank representative to resolve our case. The bank representative has sent us checks in the amounts of {$200.00} with no explanation how they calculated the checks amounts. We have gotten letters from the bank representative strongly suggesting that we need to cash the checks without any explanation of the proof of how the amounts were found. I am going to attach copies of the documents that we received from Wells Fargo Bank. We still feel that we are being discriminated against because of our age and race.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and would like these alleged accounts removed immediately. 

Fraudulent account : XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX Fraudulent Inquiries : 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
Product: Debt collection

I contacted the three major credit bureaus and MSW CAPITAL LLC to  verify an assumed debt of {$550.00} listed on my credit report. 
I also never received notice of debt to MSW or options to dispute or pay assumed debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7600.00} XXXX/XXXX  XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$130.00} ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX LA XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX/XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX/XXXX  XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX, TX XXXX
Product: Vehicle loan or lease

Mark one financial contacted friends and family members of mine and I know that it's against the law to get repeated calls back to back or even giving out personal information without proper verification. This company embarrassed me for telling people they're going to take my car away if I don't pay.
Product: Debt collection

In XX/XX/2022, I received a copy of my credit report. There was a collection Account from Credit Collection Service. I have never received written documentation About this debt, didnt receive notice of right to dispute and Didnt receive any information about this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each of the credit agencies in regards to the fraudulent accounts that are destroying my credit history and my livelihood. I have only gotten partial results or response letters in return requesting documents I have already submitted a number of times. I have now reached my limit regarding patience with this matter. Not only have I submitted all documents required by law to prove my innocence and uphold my end regard the laws of the fcra. I have also opened investigations with the local police department and arrest have been made suspect has apprehended and charged By the XXXX county police department. However the banks and credit agencies have unjustly left this debt onto my credit report. If these accounts ( XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX / XXXX XXXX XXXX  ) along with the fraudulent inquiries and useless fraud alerts are not removed permanently and urgently. I will file my lawsuit and seek full reimbursement for all that I have lost due to this theft.
Product: Debt collection

Approximately XXXX years ago I had checked my credit report and noticed an open account by a debt collection agency which sounds very official, by the name of Commonwealth Financial Systems. They are attempting to collect an alleged debt by an original creditor by the name of XXXX XXXX XXXX XXXX. Upon initially speaking with them by phone first, the made statements to me such that if I don't pay this debt they will take anything I have of value to get their money. They claimed to be a legal authority and could even have the sheriff visit my work, and that I need to just grow up and pay my bills. She then hung up on me. I called them again and again inquired about this they are reporting, and stated that I need for them to send me ANY and ALL information they have regarding this alleged debt, because I have never received anything from XXXX  the original creditor nor have I ever received anything from you guys Commonwealth, thie debt collection agency verifying the validity of this alleged debt. So I would greatly appreciate it if someone could send me verification of the validity of the debt, especially since my father has the same name and lived in the state where this creditor is and our credit report has gotten mixed up before. To date I still have not received anything from either party. On top of neither party sending me anything to prove the validity of this alleged debt, I also disputed it through XXXX stating I have no recollection of having an account with Commonwealth Financial Systems or otherwise ever acquired a debt with XXXX XXXX XXXX XXXX, let alone XXXX of which that would incur over {$1000.00}. This is really impacting my credit negatively and not once has my consumer rights been taken seriously at any point. For example never providing me with proof of validity of this alleged debt, nor ever providing me AT ANY POINT with any documents from day one, even from XXXX so that I may have had a chance before this alleged debt even ever hit my credit to pay it or make payments. At this point I need assistance with this matter, from someone with knowledge, experience, and authority. Thank you so much for taking the time to review my complaint and assisting me with this matter. Have a good day.
Product: Debt collection

I am reaching out to you for help with company Nationwide Recovery Systems. They have ignored me and committed multiple violations per Fair Credit Reporting Act. 

PLEASE SEND THE ATTACHED DOCUMENTS TO NATIONWIDE RECOVERY. 

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

My birthday is listed wrong on credit reports. I was born XX/XX/XXXX. Its listed asXX/XX/XXXX. Also I never lived at an address in XXXX XXXX in XXXX XXXX