23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

For background : in 2015 I was going through a divorce and needed to get rid of my ex-wife 's car under my name. I talked to XXXX XXXX XXXX XXXX XXXX XXXX, and they said I could take this car back to the dealership essentially, " give it back. '' I did this at the end of 2015, taking the car to XXXX of XXXX in XXXX, Maryland. Two month later, XXXX sent me a letter saying the car would be " repossessed and sold at auction '' if I didn't make payments, and a month later the car was sold. At this point they had already had possession of the car for 3 months and had stopped sending me bills so this was confusing. I spoke to XXXX XXXX XXXX, the woman said they sold it, sold off the remaining debt, and I owed them nothing. She also said I didn't own any third party debtor, that as far as they were concerned the account was closed. 

Fast forward 6 years, and no one has ever contacted me for any debt. I have no current account at XXXX, and they can't even look me up by my Social Security Number. Yet, All 3 credit bureaus showed there was about $ XXXX XXXX the amount written off ) balance, but {$0.00} owed. This was fine, except one of the credit bureaus showed a monthly reported payment status and I was trying to correct this. 

Using the XXXX XXXX app, I disputed the current balance at TransUnion. It should have been a {$0.00} owed balance. They looked into it, and in the end they decided the balance was correct and changed it to an ACTIVE account, making my credit score drop 124 points! The problem here is I'm currently in escrow and buying a home. I close in 2 weeks and this puts my home purchase in jeopardy. I reached out to TransUnion but since I'm currently on a work assignment in XXXX XXXX, XXXX, I'm only able to reach them through Twitter messages. I haven't gotten a response there so far. 

Please help! Not only is this a closed account, but I owe {$0.00}. I have no idea who I would even owe this to. It's not XXXX - I checked. No one else ever contacted me for any debt. It's a complete mystery and should be off my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been XXXX XXXX  due to XXXX  I never tried to apply for anything. I need these companies removed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent Account name XXXXXXXX XXXX, Account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$130.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

In XX/XX/XXXX, I received an email from " Bank of America on Line '' stating that my XXXX mortgage payment was not received. My home mortgage was closed/paid on XXXX. There were no accounts existing in XXXX with BofA. When I called BofA Mtg customer service I was told that I would have to contact " BofA on Line '' since that was different than BofA XXXX XXXX. I asked the customer service agent to correct the records, but they refused. Checking my annual credit report in XXXX on the web, I found that there was a 30 day delinquent record for XX/XX/XXXX thru BofA. I then went to a local BofA branch to process a request to correct the records. The branch did so and gave me a case # of XXXX. I was contacted by an agent from BofA the next day who again told me to email BofA on Line. They did acknowledge the mtg was paid on XXXX XXXX, however, but again would not correct the issue on their end. It is apparent that the " on Line '' entity has the ability to post incorrect data for BofA Mtg, but BofA Mtg. is not responsible!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA has been reporting randomly to the 3 major credit bureaus that my balance increases, when it should be decreasing. Ive been making my payments on time, even paying a little extra to avoid fees and interests, and my balance should not be increasing, it should be decreasing. Ive already paid to them more than 30k and my debt amount its not decreasing, theyre fraudulent
Product: Consumer Loan

Received alert from credit monitoring website on XXXX that XXXX lease account was 30 days past due which I could not understand why because my wife and I had been making monthly payments on time to our knowledge. After numerous calls to XXXX they discovered that a payment was missed or not complete for the month of XXXX 2016. After consulting my wife, we found that XXXX was correct however they did not take the appropriate measures to contact us so that we could resolve payment issue before it was reported to credit bureau. My wife and I who are both on the lease account have a perfect payment history and feel that XXXX fell short in helping us prevent this issue.
Product: Debt collection

THIS IS NOT A DUPLICATE COMPLAINT. 

As stated previously, I do not have an account with this company. I have not given this company permission to share my information with any third party debt collector either. The creditor, Tower Loan, did not address the concerns in my first complaint, but rather provided an unprofessional letter of opinion about my character. Opinions can not be enforced by law but debt validation can. Tower Loan has provided conflicting information stating {$700.00} is past due, while XXXX XXXX is trying to collect an amount of {$3800.00}. Since you are certain this loan belongs to me, you should have no problem providing the requested information, or forwarding to the appropriate department for handling. It is illegal to continue to try to collect amounts not owed. 

As stated previously, I received a collection notice from XXXX XXXX XXXX in XXXX with Tower Loan XXXX XXXX claiming that I owe a debt in the amount of {$3800.00}. However, I have never had any business or financial relationship with this creditor, and I do not recognize the debt that they claim I owe. Despite my attempts to dispute the debt and request validation from the creditor, they continue to harass me with numerous phone calls, voicemails, and letters demanding payment for the alleged debt. The creditor has also threatened legal action and made false statements to me regarding the consequences of not paying the alleged debt. I believe that Tower Loan and XXXX XXXX has violated the Fair Debt Collection Practices Act ( FDCPA ) by engaging in harassing and abusive behavior and making false statements regarding the alleged debt. 

As a third-party debt collector, you are required by law to provide me with certain information in order to validate the debt. This information includes the name and address of the original creditor, the amount of the debt, and a statement indicating that I have 30 days to dispute the debt. I have not received any of this information from you, and therefore can not verify the accuracy of the debt. 

I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request that you provide me with proper validation of this debt. I ask that you provide me with the information required by law within 30 days of your receipt of this letter. If you are unable to provide me with the requested information, please inform me in writing that the debt is not valid. 

Furthermore, their failure to provide proper validation of the alleged debt is a violation of my rights as a consumer. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify any unlawful actions taken by the creditor. 

Until such time as you have provided me with proper validation of this debt, I request that you cease all collection activities. This includes contacting me by phone or mail regarding this debt, reporting this debt to credit bureaus, or taking any legal action against me.
Product: Debt collection

Im requesting that you validate the debt below.

L J Ross Associates. 

This letter is not a refusal to pay ; however, I would like to advise your company that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, failure to comply with the FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of All the following : ( 1 ). Proof that you either own or were assigned the debt from the creditor.

( 2 ). Proof that you have the right to collect this debt in my state of New York.

( 3 ). Proof that your company carries a bond.

( 4 ). Proof of how your company assessed the outstanding debt.

( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor.

( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9 ). Proof that you can collect this debt from me.

( 10 ). Do you own it or is this debt assigned?

( 1 ). Copies of all letters sent to me from you and from the original creditor.

( 2 ). How much did you buy the debt for?

( 3 ). When was the last date a payment was made on this debt?

( 4 ). What fees/interest was tacked onto the debt?

( 5 ). How were the fees determined? 

While validating this debt, you must cease all collection efforts until you can send me all sufficient proof as listed above. If you choose not to send me the proof requested, You must delete the reference account from all three-credit reports. 
Thank you for your time and cooperation. 


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

I opened a XXXX  XXXX  account and got paid and decided to transfer {$1000.00} of my paycheck to the new account via Venmo. When I did this it triggered an account suspension for suspicious activity. This was last XXXX. I submitted the requested document and let them know my legal name was different and that if they need that documentation I am able and willing to provide it. I have gotten no response. I contacted customer service today and they essentially said theres nothing they can do and it will take XXXX business days. So essentially they are holding my money I need to pay my XXXX  XXXX and ignoring my pleas and compliance with their policies.
Product: Mortgage

I have a reverse with Novad that has a balance I would like to withdraw and have trying to reach the HECM department for 2 months calling daily and trying different phone numbers and email addresses researched through the internet and have not been able to speak with a single person only reach robotic answering systems or get emails rejected. Thie money is mine and I would appreciate being able to receive it. If you can get someone or advise of a correct contact information it would be greatly appreciated.
Product: Checking or savings account

My {$25000.00} CD was hacked on XXXX and hackers tried to withdraw my money. I reported this to the fraud dept and a review was done in my favor and money was put back into my account. I asked to withdraw it since I did not feel comfortable leaving my money there since they already had poor security measures and I did not want to be hacked again. They told me they would have to charge me a $ XXXX fee for early withdrawal, which I did not agree to but accepted since I wanted my money.No check had been received after 10 days, I called the XXXX NJ post office and this is what they told me. A check was mailed to me with an incomplete address on it, so my post office had it but did not know what to do with it. So I called Marcus, and they told me they would issue a stop payment and when they received the funds back they would reissue and wire to me. It was sent by certified mail. The next thing I knew the check was in my mailbox, but no signature was requested, so I did not know it was out there. As soon as I got it, I called Marcus and they told me it was OK to deposit into my bank. I drove to my XXXXXXXX XXXX and sat down with the branch manager and explained my story and they also told me that the check should be ok. A week later on XXXX, it was returned to Marcus . So the money has never technically been withdrawn from my account. Marcus has had it this whole time. I have made about 25 calls total to Marcus to try and get my money and get a new story every time. When I call I ask for a supervisor each time, since most of their staff is clueless. They told me I needed to sign an affidavit for " lost check '' in order to get my money. I signed it but did several cross-outs on it since it did not pertain to this check situation. I returned to them. They now tell me it needs to be notarized and they will not accept any cross-outs. I do not feel comfortable signing a document that is not true. they said it was the only way I could get my money cause it was their policy. This is my money and I want it. The hackers had an easier time taking my money than me the owner. So Marcus bank has hijacked my money and it has been about 3 months they have held on to it with no interest to me. Please advise how I can withdraw MY MONEY ASAP, since I have been laid off and I need MY MONEY.
Product: Debt collection

On XXXX XXXX I was notified by my financial institution, XXXX  XXXX XXXX, that my account had a lien placed on it by Hayt, Hayt, & Landau, LLC ( debt collection firm ) due to a outstanding credit card debt. My bank account was frozen and {$1400.00} was seized. On XX/XX/2022, I received written communication in the mail from the bank ( see attached ), which stated that I owed {$3400.00}. On XX/XX/2022, I contacted Hayt, Hayt, & Landau, LLC, via telephone along with my mother, who provided them with her banking ACH information to do an electronic funds transfer in the amount of {$3400.00} from her checking account. Prior to making this payment, I was told by XXXX XXXX, ( a representative of Hayt, Hayt, & Landau, LLC ), that once the {$3400.00} payment was made, they would refund the {$1400.00} to my checking which had been previously seized and placed in an escrow account. As of today, XX/XX/2022, the funds have not been placed in my checking account nor has my bank account been restored for me to use. On XX/XX/2022, I walked into a branch of the bank to discuss this matter with Relationship Manager, XXXX XXXX, to whom I provided a document stating that I had paid Hayt, Hayt, & Landau, LLC the amount owed of {$3400.00}. Still, my checking account has not been restored nor have I received my {$1400.00}. I have sought legal counsel who has emailed and faxed the bank representative, however, I still have not gotten anywhere with this. 

Your assistance in this matter is much needed and will be greatly appreciated. Should you require any additional information, please feel free to contact me via my cell phone, email or USPS. 

Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, Equifax, TransUnion Re : Dispute of Inaccurate Reporting Subject : Request for Deletion Due to FCRA Violations - 15 U.S.C. 1681i Dear Sir/Madam, I am writing to dispute inaccurate and unverifiable information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am entitled to have any information on my credit report that is inaccurate or incomplete properly investigated, and if necessary, deleted. I am requesting that you investigate the following accounts and remove them from my credit report if they can not be verified as accurate. 

Account XXXX : Fifth Third Bank Account Number : XXXX Reported Name : XXXX A XXXX Reported Address : XXXX XXXX XXXX, XXXX, NC XXXX Charge-Off Amount : {$6900.00} Date of Closure : XX/XX/XXXX Status : Unpaid Discrepancy : The account listed contains incorrect personal information, including an incorrect address ( reported as XXXX XXXXXXXX XXXX, not my known address ). Additionally, this account was closed and charged off without proper investigation, as required under the FCRA. As such, I believe this account is unverifiable, and I request that it be deleted from my credit report. 

Inquiries I also note several inquiries on my credit report that I do not recognize and believe may be unauthorized or made in error, including but not limited to : XXXX : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Please review the legitimacy of these inquiries and provide verification of their accuracy.

Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation into disputed information and correct or delete any information that can not be verified. Failure to comply with these requirements is a violation of my rights under the FCRA, and I demand that you either validate or remove these accounts and inquiries from my credit report. 

If these inaccuracies can not be verified within 30 days, I demand the immediate deletion of all associated information in accordance with the law. I also request that you provide me with a written confirmation of your findings upon completion of your investigation. 

Please address this matter promptly and update me on the status of the investigation. Thank you for your attention to this important issue. 

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

Attached to this complaint is a Federal Trade Commission ( FTC ) Identity Theft Report in regards to the following fraudulent accounts thats currently showing on my XXXX XXXX, XXXX  and Experian credit report : XXXX XXXX XXXX, {$8500.00} and XXXX XXXX XXXX, the 2 accounts are fraudulent, unauthorized and not my accounts and want the fraudulent accounts immediately deleted from my XXXX XXXX, XXXX and Experian credit report.
Product: Student loan

I have all ready sent in my request to the US Department of EDU to have my loans removed from SS # as i meet the facts and circumstance for forgivenss in section 685.206 Bowers responsibility and defense. 

Facts and Circumstance upon enrolling in school and through out my entire education process I was encouraged and guided by the financial aid off to pursue a XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. they said i would always have gainfully employment and financial resources. However I made no secret as to the troubles and prochoice i made as a young man that i believed would not allow me into that profession. I was reassured that would not be the case. My assumption was correct. I have been terminated/ let go from every firm i have worked for the following Facts i was uninsurable, Could not pass a background check but most importantly i was and continue to be denied to sit for the XXXX XXXX 

if needed please reach out privately and i can provided reference that can substance the above Facts. By there individual. XXXX XXXX XXXX XXXX XXXX XXXX XXXXr at a XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and one family member
Product: Vehicle loan or lease

I believe XXXX XXXX, XXXX provided VW Credit with fraudulent documents in order to transfer the title for my XXXX XXXX XXXX to XXXX XXXX, XXXX. I mailed VW Credit a request for all the documents and correspondence exchanged between itself and XXXX XXXX, XXXX XXXX XXXX XXXX but have not received them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm so stressed and so disappointed that this is happening to me and my credit report, Not only this is so embarrassing but also prevents me to have a beautiful life for my family and me. REMOVE THE ACCOUNTS THAT ARE NOT MINE!!
Product: Checking or savings account

My wife connected our huntington account located in Ohio to our XXXX account located in XXXX  where we live. They accepted this connection but when we transferred money across later that day they rejected and suspended the account. 

When called and asked why they would approve the connection and then reject the connection they only said that they had to. 

How are they allowed to determine whether or not the account is ours or not? Why would they be allowed to reject a bank transfer? Why must we ask permission to access our own money? 

Please help us access our own money
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/22 I took XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I believe it was on the flight from XXXX that the announcement was made regarding the in-flight promotional offer of XXXX reward miles and 0 % APR for the first 12 months. Because of this offer, I applied for the credit card and was approved, assuming that the promotion was applied.

I have since discovered that the promotion was not applied to my account and they refuse to honor the promotion.

They claimed that " Because our partners market through various channels, such as website or in flight, you may have agreed to a different offer. '' I believe this is an unfair, deceptive, and unethical business practice.
Product: Money transfer, virtual currency, or money service

they locked put my ability to purchase crypto currency and they have been giving me the run around for over 2 years and i have done what they have asked and they lie and say i have not uploaded the info when in fact i had and they requested it again saying the first upload was for something else. They keep telling me i was sent an email with link to upload documents but again that was not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX XXXX {$11000.00} XXXX   XXXX XXXX {$2000.00} XXXX XXXX XXXX {$760.00} XXXX  XXXX {$790.00}