23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

There was Fraud on my Bank Checking account starting on XX/XX/2020 XXXX for a total of {$28000.00}. I found out about the Fraud on XX/XX/2020 and called customer service at Atlantic Union Bank to alert them about the Fraudulent activity on my checking account and to freeze my account to prevent more charges. The next morning XX/XX/2020 I met with XXXX at the XXXX Atlantic Union Bank about the Fraud. She confirmed that my account is locked and I filled out documents to start the refund process. She told me it should not be a problem getting a full refund on the fraud transactions. Also instructed me to get a police report in which I did with the XXXX Police Department. I met with officer XXXX XXXX and my case report # is XXXX the same day. 

XXXX sent me an email stating that the refund was refunded on XX/XX/2020 but only {$15000.00} was refunded. I replied to the email and stated that I hav n't received the rest of the refund of {$12000.00}. She replied that the fraud department said that those charges were not eligible for refund. Here is the email below. 


This is what I got from the Fraud investigator XXXX, The customer has been reimbursed for the check and the eligible ACH transactions. It is my understanding that several of the ACH items that were disputed were not eligible for credit, as they were reported outside of the timeframe. The customer will need to continue to work with law enforcement to recover additional funds. Please let me know if you have any additional questions. 

XXXX XXXX Senior Branch Manager XXXX # XXXX T : XXXX Ext. XXXX XXXX XXXX XXXX XXXX, VA XXXX Here is my timeline. I reported to XXXX XXXX as soon as I notice it was Fraud on my account. 

Timeline : XXXX - The Fraud started XXXX - The day I noticed the Fraud and reported it to the Atlantic Union Bank Customer service number that day. 
XXXX I met with you that morning to make sure my business account was locked to avoid any more fraud and start the refund process on the fraud items. 
__________ I have banked with Atlantic Union bank for years and I'm very disappointed that they are giving me a hard time refunding my money back and being on top of the refund communication.
Product: Mortgage

I currently have a VA Mortgage Loan serviced by Wells Fargo. On or about XX/XX/20, I applied online and was approved for a three month loan suspension due to Covid-19 impact on our finances. On XX/XX/20, I decided I was still going to be able to make the monthly payments and called Wells Fargo and cancelled the loan suspension and reinstated the monthly payments. It should be noted that I had already made XXXX 's payment and XXXX was paid on time thus, I never missed nor was I late on any mortgage payment. However, in XXXX and prior to the next payment being due, Wells Fargo reported to the Credit Bureaus that my loan was in Forbearance. 

I have requested this to be removed from my credit reports and Wells Fargo has indicted they will report my loan as no longer being in forbearance. However, they can not give me an answer as to how long it will take. 

I am currently trying to do a VA streamline refinance but, I am precluded from proceeding while that is noted on my report. Thus, I could incur some financial harm especially if rates go up before I can proceed. 

My main concern/complaint is : Does the mortgage servicer have the legal right to report that a loan is in forbearance prior to the next payment being due or before the consumer has missed a payment? 

It appears that Wells Fargo is arbitrarily reporting forbearance to the credit agencies as soon as they are approving the loan suspension and not waiting until the suspended payment period begins. 

Do they have the authority to do this? 

Additionally, Wells Fargo did not provide any information to indicate that they would report such information.
Product: Credit reporting or other personal consumer reports

DATE : XX/XX/XXXX / XXXX NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX CONTACT : ( XXXX ) XXXX XXXX XXXX : XXXX Company : Lockhart , Morris & Montgomery XXXX INC XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Contact : ( XXXX ) XXXX Account Number : XXXX Reference Number : XXXX Dear Sir or Madam, I am writing this letter to formally dispute the legitimacy and ownership of a debt claim reported under my name related to an account with the original creditor, XXXX XXXX XXXX XXXX XXXX they sold this debt once it was reported as a fraudulent account to Lockhart, Morris & Montgomery , INC and currently managed by your agency as of XX/XX/XXXX. According to the record, this account was assigned to your agency with out my permission by the previous company which is a violation of my consumer rights. 

The reported balance is {$340.00} and the original amount of XXXX. 
Please be informed that I have no knowledge or record of incurring this debt under the terms stated and hereby assert that this account is fraudulent or mistakenly attributed to my identity. The distress and financial impairment inflicted upon me by this erroneous claim can not be overstated, as it significantly impacts my creditworthiness and access to financial services. I can not believe XXXX XXXX XXXX XXXX would do something like this that is not only overwhelming but criminal. I will be taking legal action to rectify this matter. 

Given these circumstances, I demand immediate action on your part to investigate and rectify this situation. Specifically, I request : 1. Detailed documentation proving my responsibility for this debt, including any contracts or agreements signed between myself and the original creditor, XXXX XXXX XXXX XXXX and Lockhart , Morris & Montgomery , INC .

2. A complete history of the account from the original amount owed to the current claimed balance, including an explanation of all charges that have led to the balance increase.

3. Evidence of your authority to collect this debt, including proof that this debt was rightfully assigned to your agency by the original creditor.

4. Immediate cessation of all collection efforts and reporting of this account to credit bureaus until this matter is resolved. Furthermore, should this debt be proven invalid or not belonging to me, I demand its complete removal from my credit reports and a written confirmation of the same. 
Failure to adequately address and resolve this dispute within 30 days of receipt of this letter will compel me to take further actions, including but not limited to seeking legal counsel and filing complaints with appropriate consumer protection agencies. 
The continuous reporting of this fraudulent or mistaken debt has caused me unwarranted stress and financial harm. I trust you will treat this matter with the urgency and seriousness it deserves and look forward to your prompt response confirming the resolution of this issue. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

{$2000.00} Over XXXX XXXX  XXXX XXXX Not Mine Prepaid Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have sent Equifax over XXXX pieces of mail that consist of my Ga. Driver id, police report, FTC report, proof I never lived at address. I was told within the last XXXX days that they have no Data on me I went into the Equifax office on XXXX and they gave me a outdated report and once I got home and called XXXX XXXX, I was told they was in the process of updating account because I was not in there systems. I was also told they did not have none of my documents on file. As I explained to them I told them my report was showing duplicate accounts and could they correct and fixed. Then I was told that some accounts was deleted. But the could not see so these are the accounts thats was once removed from my records and reinserted back on the reports. XXXXXXXX XXXX XXXX ; XXXX ; XXXX  XXXX XXXX XXXX XXXX, XXXX- XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX ; XXXX  XXXX, XXXX XXXX and XXXX  XXXX and These are the confirmation numbers in which it show account was deleted. XXXX, XXXX ; XXXX and I have a letter stating that a account number have been changed, This company have never learn from the ways of its past it fails to do right by the consumer it continues to lie and mismanage the system
Product: Credit reporting or other personal consumer reports

I'm resubmitting my dispute letter due to lack of resolutions or actions. Again, YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.
Product: Debt collection

I have recently pulled my Experian credit report and notice accounts that have been investigated and deleted by another credit bureau still being reported by Experian. Attached to this complaint is proof that these accounts were deleted. Please follow suite and delete these accounts for accurate reporting. I am asking they just be deleted to show my true credit history. XXXX has removed all accounts associated with XXXX XXXX. These collection agencies were reporting the following accounts from the following original creditors : XXXX XXXX acct # XXXX XXXX Creditor
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XX/XX/2020 National Credit Systems , Inc . 
XXXX : XXXX XXXX, Collection Representative XXXX XXXX XXXX XXXX, GA XXXX XXXX : Account Number XXXX Dear XXXX XXXX, This is my second letter to National Credit Systems , Inc. concerning an obligation to XXXX XXXX XXXX. My previous letter was dated XX/XX/2020, and was sent to National Credit Systems , Inc. via United States Postal Service ( USPS ) certified mail with a return receipt requested. As of Thursday, XX/XX/2020, I have not received that return receipt. 

In my letter, dated XX/XX/2020, I expressed that the first written correspondence I have received concerning this obligation was the letter from National Credit Systems , Inc. dated XX/XX/2020. I specifically requested that National Credit Systems , Inc. provide verification that this obligation was factual by providing me with the following information, in accordance with the Fair Debt Collection Practices Act ( FDCA ) ( Section 1692g ) : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge. 

I also specifically stated that the debt should not be reported to the credit reporting agencies because I am disputing the obligation. 

Since I have not received neither the requested information nor any other written documentation from National Credit Systems Inc., I was dismayed to learn that this obligation has been reported to the credit reporting agencies since I am disputing the validity of it. Consequently, I am filing a complaint with the Consumer Financial Protection Bureau, the Federal Trade Commission, the state of Georgia Office of the Attorney General, the state of Georgia Department of Law Consumer Protection Division, the XXXX XXXX XXXX, and will be disputing the obligation with all three credit reporting agencies. 

I will reiterate that National Credit Systems , Inc. should contact me regarding this matter until the requested information is provided and the obligation verified. 

Thank you and be well. 
Sincerely, XXXX XXXX Cc : Consumer Financial Protection Bureau Federal Trade Commission State of Georgia Office of the Attorney General, Consumer Protection Division State of Georgia Department of Law, Consumer Protection Division XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The personal information on my credit report is incorrect. I have included my documents so you can update it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; These accounts have violated my rights.

15 U.S.C. 1681 section 602 ( a ) ( 4 ) states the consumer has the right to privacy.

15 U.S.C. 1681b section 604 ( a ) ( 2 ) states : a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information of Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : 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.
Product: Credit card

I am writing because I reported a fraudulent charge to my credit card company, they refunded my funds and now they have put the charge back on my account. I explained that I was the victim of identity theft and do n't know how someone also used my card without my permission. The charge was for XXXX for a company? XXXX My bank said they would issue my credit, they also cancelled my card because of the fraud I assume but now they are trying to take my money back. Thought I would see if you could help me before I have to spend more money on an attorney who said he would file arbitration paperwork or go to court on this matter Thank You
Product: Debt collection

XX/XX/XXXX my vehicle was vandalized on the property and broken into with my belongings being stolen. I was told cameras was down. XXXX XXXXXXXX I was robbed on the property in front of my home where my truck was taken from me along with cash and other things. Unfortunately only One camera was working on the property so the police could not do a proper investigation. XX/XX/XXXXXXXX XXXX  my home was broken into by an XXXX XXXX XXXXe who was XXXX XXXX XXXX and was watching my kids as they slept. I requested an emergency move, property denied it and didn't deem none of the incidents an emergency. However, they took my neighbor locks off their door because they had just moved out and the apartment was vacant, and put them on my door. My neighbor still had keys and access to that lock. I was left with XXXX XXXX XXXX XXXXXXXX. I also had to see a XXXX XXXX XXXX XXXX XXXX  due to the incidents. Please see doctors note attached to this email. The property had a XXXX XXXX XXXX where I had the property to treat the unit multiple times with no resolution and it became completely unhealthy for myself, my children and my unborn baby. I was looking to XXXX XXXX XXXXXX/XX/XXXX, when I was XXXX XXXX XXXXXX/XX/XXXX Maintenance manger placed a XXXX XXXXXXXX in the middle of my bedroom floor where my XXXX XXXX new things we're set to be folded and put away. He set the XXXX off leaving us to throw things away. To wash and replace things was costly. Property took my {$820.00} security deposit after I moved and applied it to what I owed. That's all I should owe after all I been through there. Please see attachments
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXXXXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX XXXX XXXX are inaccurate and must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my lease with XXXX, and the mileage fees on time. I made my last payment on XX/XX/XXXX. However I was reported late for XXXX erroneously on Experian only. XXXX and XXXX were reported properly. I have contacted XXXX since XX/XX/XXXX over a dozen times concerning correcting their error. I have disputed the error with Experian, and have asked XXXX for my payment history and for account statements proving I was never late, but they refuse to cooperate. They are a corrupt financial organization. They sent me a document dated XX/XX/XXXX that the account was paid in full. This is proof that XXXX wasn't late. I have been denied credit as I sought a place for myself and my XXXX XXXX XXXX to live, and my fico score dropped XXXX points. I can't get a mortgage as I was verbally denied after my credit was examined. My online portal which allows consumers to obtain their loan documents is blocked because I mentioned an Attorney. There have been many complaints against XXXX which was verified by a law firm in Michigan where XXXX operates from/
Product: Credit reporting or other personal consumer reports

I am trying to refinace my home and I have realize that all these damages on my credit report according to the 15USC 1681 law, there should not be any damages on my credit report. It is defamation to my character.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/XXXX, I fell victim to a multilayered scam operation orchestrated by a fraudster the company that is pretending to be an investment company, operating under the business name Coinleadsn.com ( the XXXX XXXX ), with thedesign, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent trading service posing to be a trading/investment company, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
Money was transferred from my account in the amount of XXXX USD utilizing your services. 
By reason of this misconduct, you violated, and if not enjoined will continue to violate, many of the international anti-fraud policies, which are established to facilitate the development of controls that will aid in the detection and prevention of fraud worldwide. 
Kindly note that the company is not authorized by the XXXX XXXX XXXX XXXX XXXX in the XXXX where I live, which means that the Scammer is an unlicensed, unauthorized, and unregulated entity ; therefore, is unable to provide any financial or investment service. Moreover, from my understanding, the Company is not registered with any financial regulatory body elsewhere in the world. 

I hold PNC Bank fully responsible for this fraudulent transaction. 

Attached is a complete written record of the complaint that I refiled with PNC Bank on XX/XX/XXXX. To the current time, I have not received a written response from PNC Bank.
Product: Checking or savings account

I was speaking with the wire transfer department. I was having a hard time getting my questions answered and the agent was insulting my XXXX. I then asked to be accommodated within the ADA so the agent hung up on me.
Product: Debt collection

Discover is reporting an inaccurate charged off account on my credit reports that I am not familiar with. I have contacted them directly including the credit bureaus concerning this account requesting documents pertaining this account and have not received any sufficient proof proving that this is my account or that this debt belongs to me. 

Discover sent me back statements concerning this account in response to my letter requesting validation of debt which does not prove that this account is mine or belongs to me. A statement is not proof of debt. I have not received any documents with contract and signatures legally binding me to this debt. 

Furthermore, isn't Discover the creditor that the credit bureaus reach out to confirm or validate the debt? XXXX deleted this account from my reports so according to them, there isn't valid proof this account is mine. If XXXX could not validate this debt how is Discover able to validate this account? 

I am demanding that this account is deleted from my reports.