23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2021 Pursuant to the Fair Debt Collections Practices Act, 15 USC 1692g I requested Validation from Ameri Collect. Please see attached. 
According to the certified Tracking number XXXX XXXX XXXX XXXX XXXX Ameri Collect 's offices received my request on XX/XX/2021. I have yet to received validity within the allotted time frame of 30 days, therefore pursuant to 1692g- The debt collector must provide the consumer with certain basic information. If information is not provided, debt collector must cease and desist all collection activities and account must be removed from all 3 consumer reports and closed.
Product: Checking or savings account

On XX/XX/2019 I went into a SunTrust branch to open an Advantage Checking account. This was after I received targeted advertising on XXXX about a {$250.00} bonus for opening checking account and satisfying the requirements. I requested a code to my email and opened the checking account successfully with that code. 

I was in the process of setting up my direct deposits to this account when I receieved an email from SunTrust offers saying " Thank you for your recent enrollment into the SunTrust Advantage Checking Offer XX/XX/2019. Based on our verification process, your account is not eligible to participate in this offer based on the reason below : To be eligible to participate in this promotion, clients must be U.S. Residents with a U.S. address and a valid U.S. taxpayer ID number. '' During the entire time in branch I was never told that the promotion does not apply to me although I do reside in U.S. with a valid address and possess a valid social security number. My status is a U.S. residents for tax purposes, having met the substantial presence test. I think SunTrust is pulling a bait and switch of sorts : luring foreigners with valid work authorization to open checking accounts with deceptive advertisements then denying the incentives afterwards. Now I am stuck with an account that I can not get out of and no bonus to soften my ordeal.
Product: Credit card

15 USC 1692-c If a consumer notifies a debt collector that the consumer refuses to pay, the debt collector must cease all communications with the consumer
Product: Credit reporting or other personal consumer reports

On all three of my credit report for each of the credit bureaus I have a number of hard inquiries that I do not recognize. I've tried reaching out for removal and they have refused to delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Experian, regarding a Fraudulent account on my credit report, it's from XXXX XXXX, account number # XXXX. I've filled several dispute with Experian, and explained to them that, this account was not my account, but they refused to remove it off my credit report, it show that the account was opened up on XX/XX/2012.
Product: Money transfers

On XXXX/XXXX/2014 I made XXXX wire transfers to XXXX. After several agonizing weeks the money was transferred back into my account on XX/XX/XXXX and XX/XX/XXXX with {$1100.00} short. The bank stated the difference was associated with the difference in exchange rates and refuses to credit my account nor did they refund my wire transfer fees. 
I think the bank attempted to profit from the exchange rate change and never transferred the currency and returned the money in stead of taking a loss from the opposite rate maneuver.
Product: Debt collection

Caller called my place of work and stated they were calling from " Performance '' company and that my daughter gave my name for a reference yet they refused to explain anything except tell me they needed to talk to her. The woman also mentioned another family member and my daughter told me she never used either of us as a reference. The are giving false information ( company name ) and lying about her giving me and another family members information. I am not callow ed to receive personal calls at work.
Product: Credit reporting or other personal consumer reports

XXXX two fraudulent XXXX XXXX credit accounts where created and disclosed to consumers reporting agencies. I called XXXX XXXX who was unwilling to assist with the matter. I also requested the reporting agencies remove these accounts from my consumer reports as well as inaccurate information regarding employment and residence. The consumer reporting agencies also were unwilling to remove the fraudulent claims. According to 15usc 6801 failure to report accurate and correct information. And also disclosure of false personal data and false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX agreed to remove the late payment marker for XX/XX/2019 from my credit report from all credit bureaus. Unfortunately Equifax is reporting this negative data incorrectly. I've tried disputing it and still no resolution. I called XXXX XXXX last year regarding this matter and I was promised this was going to be resolved. This error has impacted my credit score tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized accounts on my credit report by all three Credit Bureaus ( XXXX, XXXX, Experian ) XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. Which violates Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. A few of the most common permissible purposes are : In accordance with the written instructions of the consumer to whom it relates.
Product: Debt collection

Caine and Weiner failed to originally notify me of this debt, despite their claims that they mailed notification to my address. 

After requesting validation the company failed to provide proper validation of the debt. Per my original request, please supply the following information : Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay, including my original wet signature? 

This was never supplied. 

In my original CFPB complaint, Caine and Weiner responded on XX/XX/23 that The account has been closed as 'Disputed ' in our office. We will send a request to the credit reporting agencies to have this account removed from the consumer 's credit report. However, on on XX/XX/23 my credit report was updated by Caine and Weiner to show a balance and the account does not show closed. This has caused seriously harm to my credit and my financial goals. 

This is unacceptable, fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

charged off in bankruptcy ; no longer obligated to this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... Here is the list of account/item which do not belong to me or were opened without my permission. 
XXXX XXXX Date Opened : XX/XX/2016 Balance : {$5600.00}
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding TransUnion and Experian failure to ensure the accuracy of my credit report and conduct a complete investigation into a disputed account reported by XXXX XXXX. TransUnion and Experian has not adhered to its obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) and 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). The inaccuracies on my credit report are as follows : XXXX XXXX XXXX has inaccurately reported the The same account appears to have two different opening dates : XX/XX/year> and XX/XX/year>. 
This inconsistent reporting is false and damaging to my credit profile. 

XXXX XXXX XXXX has not provided any evidence that I own this debt. Specifically, they have failed to produce a signed contract or any documentation proving that I am liable for the alleged debt with their company and myself. This debt from XXXX does not belong to me
Product: Mortgage

XXXX XXXX mortgage company is claiming " no payment received '' for XXXX 2021. I made the payment electronically through XXXX Bank, and have provided them copies of the payment receipt, provided them with the electronic payment number, and also emailed a copy of my monthly bank statement showing payment deducted.. 
I have been actively disputing this since XXXX, and have been charged late fees, penalties and never credited the payment to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on credit report, wrong names, social security number is wrong, address, contact information is incorrect, employment is incorrect as well. 

please remove all the incorrect information as followed : Names : - XXXX XXXX XXXX PLEASE REMOVE INCORRECT SOCIAL SECURITY # : / XXXX PLEASE REMOVE INCORRECT PHONE NUMBERS : XXXX, XXXX XXXX, XXXX XXXX PLEASE REMOVE INCORRECT EMPLOYERS : XXXX, XXXX XXXX, INTERENAL REVENUE SERVICE PLEASE REMOVE INCORRECT ADDRESSES : - XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX, TX XXXX XXXX PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - XXXX REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX XXXX PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX # XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX, TN XXXX XXXX PLEASE REMOVE INCORRECT ACCOUNTS : 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 have had to change my number twice due to obsessive calls starting from 6 am to 10 pm at night. Multiple XXXX numbers and now numbers very similar to my own call all day. Theyve identified themselves as Hunter Warfield Inc. 
My name is XXXX XXXX.
Product: Debt collection

I was never informed of this debt, nor do I have any knowledge of this account. This is reported on my credit to all 3 credit reporting agencies and is negatively affecting my credit. I was never sent anything in the mail, and when I disputed they still are fighting the validity of the debt however was never afforded the opportunity to challenge this account. 

I have contacted the company multiple times, and they do not give me any help, stating they sent something but it was not to a current address. This item should be removed off my credit report as I have no knowledge of this account and was not given the opportunity to dispute the account.
Product: Checking or savings account

On XXXX XXXX, 2024 my husband and I were victims of XXXX. A Navy Federal Credit Union " impersonator '' spoke with me regarding " XXXX XXXX '' on my account. They told me someone in XXXX tried to take out a loan in the amount of {$4900.00}. I told this person that was not me so they canceled my debit card and started working on stopping that transfer. I stayed on the phone with this person for over an hour, I did NOT give out any of my personal information to this person. They verified information with me but again, i did not give them any information. They provided the information and I simply answered yes. This person added themselves as a member to our online banking account then transferred {$4900.00} out of our account. I immediately called NFCU to report this as XXXX On the phone, the representative for NFCU told me this person XXXX my personal email, found all of my log in information there then signed in to our account. She told me my funds would be credited back to our account within XXXX days. Within XXXX days, our money was returned and we thought things were fine. Now, XXXX months later, NFCU has decided it wasn't XXXX and took that {$4900.00} back from our account. Ultimately this overdrafted our account and we had to use half of our savings to get our checking account back to XXXX. NFCU took our overdraft protection to pay themselves back after taking those funds back. We never received an email, letter in the mail or message through their secured portal regarding this denial. When my husband called, we were told our paper claim was denied. We didn't file a paper claim. I decided I would file an appeal that was also denied. I requested information regarding the XXXX investigation and all I have received is step by step instructions on how to view our monthly statements. I was told I couldn't have other documenation due to company policy and " personal '' information. None of this makes sense. We did not give this person permission to add themselves to our account and NFCU never flagged this activity at all. My husband is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He is currently XXXX in the XXXX XXXX so as you can imagine, this is not an easy sitation to deal with. Please help us get our funds back.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are serveral accounts and inquires that I didnt initate. One of being XXXX XXXX XXXX XXXX this debt is NOT MINE I have never had a bill like that and have not paid it. The account XXXX XXXX  or XXXX is indeed a fraudulent collection account. The following are inquires for credit that I didnt apply. 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 XXXX XXXX XXXX  All Of the accounts, inquires listed above are not mine and I DID NOT APPLY FOR CREDIT ETC. AT ANY OF THESE ESTABLISHMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint against XXXXXX/XX/XXXXfor the second time. My first complaint was resolved by the company after they attempted to falsely mark my account as delinquent on my credit reports and charge me for fees that they actually owed me because this deposit was what I used to open the account, which was fraudulently used multiple times despite the fact that I had never received a credit card in my hand since I opened it in XX/XX/2020. 

The credit card company refunded me {$200.00} last month and removed all false marks from all three credit bureaus, but my account has now been placed in delinquent status as of XX/XX/XXXX for missing four payments, which is yet another false claim made by the bank. This is completely unacceptable and unlawful ; I feel financially victimized by the credit card company, and I am not alone ; multiple people have had reported similar experiences with the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX XXXX residing at XXXX XXXX XXXX XXXX ny XXXX phone number XXXX and I am contacting you because Equifax is continuously reporting items on my credit reports that are fraudulent and do not belong to me and I have made them aware of this problem several times and have also sent them police reports to back up what I am stating, but yet this company still reports things that arent mine. This is causing serious XXXX related issues due to stress XXXX XXXX and the list goes on I can also provide my medical records if needed because my next step is seeking legal help if this issue isnt fixed as I am XXXX and also have a XXXX yr old XXXX child to take care of and this is all unneeded stress that could be avoided. Let me explain what this company does and maybe if you look at prior credit reports of mine you will understand what I have been going threw with this company. Everytime my credit score raises they add fraudulent accounts to make my score drop or delete accounts in good standing its a shame how these companies get away with the fraudulent activity they do but I have been studying Equifax for almost 2yrs now and I will be filing a lawsuit this time if this issue isnt fixed. The items that should be removed because they are fraudulent and do not belong to me are {$290.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/2015 + {$320.00} Original creditor : XXXX XXXX XXXX XXXX  these are fraud and I want them removed at once from my credit reports
Product: Credit card

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Subject : Denial of Credit Request Under UCC 2-325 Dear BANK OF AMERICA XXXX XXXX hope this letter finds you well. I am writing to express my concern and disappointment regarding the recent denial of my request for a " Confirmed Credit '' under UCC 2-325.

I submitted my request for a " Confirmed Credit '' with the understanding that it met the necessary criteria and requirements, as specified under the Uniform Commercial Code ( UCC ) 2-325, which pertains to " Letter of Credit. '' It is with great disappointment that I received a denial for my application, as I believed it to be compliant with the relevant provisions.

I kindly request that you provide me with detailed information regarding the reasons for this denial. It is of utmost importance to me to understand the specific aspects of my request that did not align with the requirements of UCC 2-325. This transparency will allow me to rectify any issues and reapply accordingly.

As a conscientious business partner, I am committed to adhering to the established legal and financial standards set forth under the Uniform Commercial Code. I firmly believe that my application met these standards and should not have been denied. Your feedback on the reasons for this denial will be instrumental in ensuring my future applications are in compliance with the relevant regulations.

I kindly request that you provide a written response within a reasonable timeframe, outlining the specific reasons for the denial and any steps I can take to rectify the situation. Additionally, if there are any specific requirements or documentation I should provide in a revised application, please inform me so that I can address them promptly.

Thank you for your immediate attention to this matter. I look forward to receiving your response and working together to ensure that future requests for " Confirmed Credit '' are handled in accordance with UCC 2-325. 



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

I am XXXX years old and I wanted to check my credit report for the first time but the credit report websites ask me questions about loans and bank cards made in my name that I have no part in and the dates in which they ask for was when I was still a teenager. 
XX/XX/20 experian.com
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 
XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX co - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX Co XXXX XX/XX/XXXX XXXX. XXXXl XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the account XXXX XXXX XXXX XXXX from my Experian, XXXX, and XXXX credit reports due to inaccurate reporting. The credit reporting agencies are reporting an incorrect balance and the date that the account was charged and sold off is incorrect and according to FCRA this incorrect reporting is grounds for the removal of the account. I will attach a copy of the notice from the original creditor with the correct balance and date of charge off. Also, this balance was taken care of with the original creditor because I had no knowledge that the account was sold. The account with the original creditor is also still reporting on my account which is also a violation as well as double jeopardy. Please remove XXXX XXXX XXXX XXXX from my credit report immediately.
Product: Credit card or prepaid card

I called JP Morgan Chase on XXXX XXXX, XXXX to report an unauthorized transaction from a merchant ( XXXX XXXX ) on my credit card. The claims agent listened to my claim and said he began to fill out a form to submit to XXXX. The agent asked the last time I spoke with the merchant about the issue and what the merchant said. I asked him why he needed this information and he stated he needed to put a date into the form for the form to be submitted. He said the form states that I, the consumer, needed to contact the merchant and a date needed to be provided. I said I did n't have that info., so he just made up a date for the form. After putting the made up date into the form, the process continued and I was given appropriate provisional credit. 
I am writing this complaint because it is a clear Regulation E violation to require a consumer to contact the merchant before submitting a Reg E claim to the bank. This claims agent was lenient and allowed a date to be made up, but it should not matter. The form should not require a date and the consumer should not be made to contact the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated, but how is that possible if the open date inaccurate, the date of last activity is inaccurate, the date of last reported is not accurate. This is ground of removal, they also violated my rights under 15 U.S.C 1681 section 602 A : State I have rights to privacy 15 U.S.C 1681 section 604 A section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation, which I previously filed a complaint with you all about this. 

Aslo, I have received a letter from the credit bureau stating accounts was not reporting, ( 1 ) XXXX XXXX ( 2 ) US Dept Of Edu XXXX after pulling the report these item are still listed and reporting on the credit file. I called the reporting agency and spoke with a rep and she told me the confirmation number I told her is not showing up in their systems, I asked her do different departments have different confirmation numbers, and what do the dispute department confirmation numbers start with, she supplied me with the information however the mail I received that had the same 3 number for the dispute department was correct but yet she couldnt find the confirmation number.