23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company Second Round LP which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Product: Checking or savings account

On XX/XX/21 my XXXX  loan from the XXXX  was ACH transferred to my personal account with Wells Fargo. My lender along with the XXXX  confirmed there would be no problem with this because i am the owner of the business, my social not the business ein number was used and i am a sole prop with a valid XXXX  meaning i am doing business as my business. Wells Fargo accepted this ach and then a day later placed a hold on my account and submitted a request for closure on my account. I called several times every agent i spoke with was extremely rude and continuously hung up in my face. I submitted all requested documents showing this was my business and i authorized these funds to go into my account with Wells Fargo. I provided Wells Fargo with my SBA contract my lender contract, ein issued by the irs and my XXXX  showing i am the sole owner of this business. I was initially told i once i submitted the documents showing this was business and these where my funds the hold would be released. I was then told the hold would not be released and they are holding my funds for 14 days then sending a check through the mail for the balance in the account. Wells Fargo has every right to close the account and do as they please with the closing of the account but they have no right to illegally hold my funds when i have provided all documentation it is a national pademic i was finally able to get assistance and now they are illegally holding funds. I will lose my business due to this those funds where to pay for the renting of my business space for which i was already behind in payments due to loss of income i will not be evicted and incur more fees due to the holding of These funds illegally. NEVER BANK WITH WELLS FARGO they have terrible customer service they do things illegally they discriminate against you and try to make you feel like a criminal and even after submitting all valid documentation they still feel they have the right to hold my funds. I should be allowed to get my funds and then they can close their sorry little accounts with their terrible customer service now i see why they where always in the news for doing so many illegal things!
Product: Credit reporting, credit repair services, or other personal consumer reports

I need my ChexSystems report to review for errors because I received a letter of adverse action. I requested my report via Internet in XXXX. I still do not have it as of today, XXXX. Further, the company has not communicated with me as to the status. I need to fix any errors because Im a victim of identity theft/fraud ( duly-reported and recorded in XXXX XXXX, CA ). 

Ive just tried re-pulling my report, but the website shows an error that the report is frozen and that my PIN does not match. I never received any communication in the Mail or otherwise regarding either the report itself nor the PIN. 

Please help me get this and in an expedited manner. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, otherwise known as XXXX did a hard inquiry on my credit report today with out my consent. I ordered a replacement credit card from XXXX because my magnet strip was not working on my current XXXX  card. This in no way should have made them do a hard inquiry. I have not applied for any other credit card from XXXX nor have I applied for a credit line increase on my current XXXX card.
Product: Credit reporting, credit repair services, or other personal consumer reports

The name XXXX XXXX was added to my Equifax credit report, I can only submit a dispute online which will not be accepted because the security questions now have nothing to do with me so i can not answer them accurately
Product: Debt collection

Hi, I used to have a payment plant that I couldn't continue with that lasted from XXXX for XXXX XXXX monthly payments. I attempted to settle with XXXX XXXX Attorney with no luck. I called XXXX XXXX Attorney 's office on XX/XX/XXXX XXXX XXXX, called back on XX/XX/XXXX, XX/XX/XXXX and there after three other times that I did not write down date or time. My work has now received wage garnishment summons without previously ever properly served or at my place of employment. This summons currently says I owe {$9600.00} plus {$35.00} sheriff 's fee. I am at a lost for words, can't sleep, I am stressing over this matter. This amount seems ridiculous as interests were 24.99 % and no minimum payment was ever going to help pay this credit card debt down. In one of my many phone calls I attempted to settle for different amounts starting @ {$3500.00} going all the way up to {$5500.00} which is more that half of this total amount. Please help. I've been hearing XXXX XXXX is defrauding so may people and just because they have money they continue to do so. i wage garnishment or XXXX knows how much or let alone pay XXXX XXXXXXXX in mostly interests on this fraudulent credit card going back to early XXXX, right before Covid-19. Covid-19 impacted many of our lives and including mine, by not working for the first few weeks of this start. What should I do?
Product: Credit reporting or other personal consumer reports

The consumer reporting agencies are violating my FCRA rights please see attached dispute I received a copy of my credit report and i have found that in accordance to the FCRA you are violating my rights under 15 USC 1681 SECTION 602 WHICH STATES THATI HAVE THE RIGHT TO PRIVACY, FUTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONCUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

ACCOUNT NAME : XXXX ACCOUNT # : XXXX LATE PAYMENT DATE : XX/XX/24 & XX/XX/24
Product: Credit reporting 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 records 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 items : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$5200.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$480.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$24.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$2600.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$660.00} ; XXXX XXXX XXXX Balance Owed : {$470.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$350.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$480.00} ; XXXX XXXX XXXX Balance Owed : {$280.00} ; XXXX XXXXXXXX Balance Owed : {$2600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to implement a credit freeze with TransUnion I have been notified that I am at risk from the XXXX data breach The online credit freeze process failed and I was provided with a telephone number to call I believe the online process failure is a scam because calling the telephone number only gives advertisements for TransUnion 's services which I have no interest in and do not wish to provide personal data for No email addresses are available The telephone numbers listed are only ads I have successfully implemented an online credit freeze with XXXX XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I have sent numerous disputes to Comenity BankXXXX XXXX asking to verify the account number they are reporting to the CRA 's . They have not done a complete investigation and continue to report inaccurate information to the credit bureaus. I have received 3 letters from Comenity Bank, with 3 different dates on when this account has been charged off and sold to XXXX XXXX XXXX. They also have re-aged this account and are reporting different account numbers to the credit bureaus. I have attached the 3 letters from Comenity Bank, Final billing statement and the payoff letter from XXXX XXXX XXXX proving that they are verifying an account that is not 100 % accurate and must be deleted.
Product: Bank account or service

Trust of XXXX XXXX XXXX XXXX XXXX , Ca . XXXX ( XXXX ) XXXXRE : Capital One Bank, N.A. 
XXXX, Texas XXXX XXXX - Bank Relationship ( XXXX ) XXXX Option XXXX Acct. # XXXX Opened : XXXX XXXX XXXX Trust to XXXX XXXX XXXX - COMPTROLLER of THE CURRENCYDear XXXX am XXXX XXXX , the G-Grand-Daughter of the Late-XXXX., my g-grand-father XXXX XXXX XXXX opened this bank account in about XXXX - XXXX with wife XXXX XXXX XXXX XXXX XXXX XXXX made a DEED of TRUST with his XXXX ( XXXX ) children. His XXXX son XXXX XXXX is my grand-father, XXXX XXXX had XXXX ( XXXX ) child with wife XXXX XXXX my father XXXX XXXX XXXX, married my mother XXXX XXXX XXXX they had XXXX as follows ; XXXX XXXX XXXX, XXXX XXXX XXXX ( deceased XXXX/XXXX/XXXX ), XXXX XXXX and XXXX XXXX. There are no other grandchildren for XXXX XXXX XXXX or XXXX XXXX and no other children for XXXX XXXX XXXX. 
Please help me get to the truth about this Trust. I walked in Capital One Bank on XXXX/XXXX/XXXX, I gave an XXXX lady my name and she says we have been waiting on you for a long time. Takes my brother XXXX and I into an office, asked for my social security card and driver 's license. XXXX XXXX waited on us. XXXX XXXX said she had to leave now. XXXX XXXX proceeded to transfer XXXX XXXX XXXX the original bank account into a new Trust Account in my name under my social security number with bank # XXXX. XXXX gave me a lot of paperwork. I, XXXX XXXX signed a UNIFORM XXXX-PARTY OR MULTIPLE PARTY ACCOUNT SELECTION FORM NOTICE, to open this account. I put {$500.00} of my own money into the Capital One Bank on XXXX, XXXX, I made a wire transfer from my bank XXXX into acct. # XXXX of Capital One. The transfer went through but before Capital One closed for business that day they rejected the {$500.00} and closed the bank account. I was told by XXXX XXXX that I can not put money into this account. Why? It 's a High Yield Checking Acct. I put money into the account after I read the Banks paperwork which stated there has to be {$1000.00} in the account at all times. Capital One is funneling all of the monies from this account into another Capital One Account. My XXXX XXXX XXXX XXXX told me before he died that the bank was stealing all of the money from the Oil, Gas, Timber, Minerals and other materials and rare minerals from our land, and he wanted me to go there and get it. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and my daddy told me that the bank has my name, XXXX XXXX. My daddy took me to the XXXX before they merged with Capital One Bank when I was XXXX years olds, that was in XXXX. 
This bank account has been opened for over a XXXX ( XXXX ) years with multiple leases for land, gas, oil, minerals, and allowing people to build homes on our property. I have many deeds that I received from the County Records in XXXX County, Texas. 
Please audit this account at Capital One Bank so that my family can find peace of mind from all of this money thief. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, XXXX, and TransUnion concerning some medical bills and a XXXX account reporting as collections on my credit report. I notified each credit bureau that these items do not belong to me and are reporting on my credit file in error. I received notification from the credit bureaus that these items were verified and that they are to remain on my credit. I responded to their findings with a request to provide me a copy of the individuals, date, time, and address to the person/s that verified this information because if indeed the did a proper investigation, they would not have verified that these items belong to me. After my 3rd contact, they have ceased responding and the issue of XXXX items reporting on my credit in error remains. The Fair Credit Reporting Act gives me protection that I will have an accurate and fair credit file and XXXX, XXXX, and TransUnion are in violation of my rights under this law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am name is XXXX XXXX and this This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$240.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : XX/XX/2021 XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2000.00} XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$9900.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$290.00} XXXX XXXXXXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Mortgage

To Amerisave Mortgage Corporation XX/XX/XXXX I hate to truly be the type of person who sends letters of complaint but at this point I have no other recourse. 

I decided to refinance with Amerisave in XXXX and finalized it in XXXX, at first we saw savings and we were happy with our decision but it wasnt until XXXX of XXXX when things changed. In XXXX of XXXX I received a letter from Amerisave that a lender windstorm insurance policy was implemented. I immediately called Amerisave and was told that it would be pro-rated once proof of coverage was done. I then called and secured an insurance policy with XXXX XXXX, but unfortunately it took a month to take effect. I received an email in XXXX that Amerisave had paid the policy yet when I received XXXX bill I noticed that it was not updated correctly. I called your mortgage online and they stated that they would take off the whole {$10000.00} For the Windstorm because I provided proof the Loan originator and Underwriter failed to add the policy to escrow when I had actually provided them the Windstorm policy. I then continued to make contact to clarify the situation and continued getting the run around, and that I was responsible for the lender policy since XXXX until XXXX. I then explained to the agents and supervisors that I had only found out about the lapse of insurance in XXXX of XXXX and how are they going to charge me for something in which I was never notified. 
I then gave up on the fight accepting my unjust defeat for approximately {$2600.00} and inquired as to how much my monthly payment was and then I was notified that there was a miscalculation done by Amerisave in terms to the escrow account in which my mortgage will now be approximately {$1100.00} more a month. 

Amerisave also sent an additional payment to the XXXX policy on XX/XX/XXXX, which had already been paid in XX/XX/XXXX. Amerisave had to put a stop payment on that check. Another mishap on my escrow account.

Amerisave has destroyed all my familys hard work and dedication in securing my familys financial stability. I reached out to the loan processor with whom I have email proof that I provided him the XXXX insurance policy while refinancing and he told me to handle the situation with your mortgage online. 

I then called Amerisave in order to get the correct shortage amount and sent a payment of {$6800.00} to cover the overage accompanied with a request to close my escrow account with them which they denied because the Lender had to implement coverage. Mind you the coverage was paid in full and was a completely by fault of the lender that my coverage had lapsed in the first place. They will not allow me to speak to anyone who has authority to make the decision and I just continue to be placed in a loop with no resolve. This loop is costing my family thousands of dollars and we have been spending our savings. We have a XXXX year old daughter and a son on the way. 

Amerisave has completely negligently mishandle my mortgage loan and this whole mess has caused a hardship on my family. I called the VA to report the situation and they referred me to CFPB.
Product: Credit card or prepaid card

I have called the credit bureaus several times in regards to two late payments that are on my credit reports an to resolve the issue but they refused to help with my claim and look further into the matter. I have sent several letters via certified mail to Synchrony Financial Bank/Amazon including one to the CEO of the corporation. I have two late payments being reported on my credit reports from the year XXXX and XXXX due to illness. However, when I was able enough I continued to make on time payments but they refused to reverse the late payments. This is negatively affecting my credit score and I am currently planning to apply for a mortgage, and this come to my attention that the late payments on my records could hurt my ability to qualify. I would like an investigation conducted on this matter and appreciate a resolution and look forward to the positive outcome.
Product: Vehicle loan or lease

Thank you for this support. In XXXX rounded XXXX owed to Wells Fargo My parents were going through serious health problems and at the same time, initiating family support as in POA and Guardianship, as the XXXX were separated. My mother, whom I have been registered as Guardian, I found had severe XXXX. I had to piece her affairs together as a puzzle. When I worked to manage her bills after her husband 's death a year later, I submitted all documents required as guardian. Wells Fargo was very hard to relate to under the circumstance. Each time I called, I had to go through telling yet another person the hurdles we needed to resolve. I was told a payoff amount for my mother 's truck. I was reading the checking account numbers over the phone to make payment as my mother laid in the bed in the same room. When I referred myself as guardian, the person I was talking to stopped the progress of making the payoff, ended the phone call. I was never able to get assistance after that phone call. None of the associates or rep 's. were helpful. Covid was making it impossible to get help at the bank. Soon after a tow truck came and took the truck. Then they tried to bill her the resale fee 's. Wells Fargo had our files. I am not prepared to upload them today since the XXXX isn't attaching them.
Product: Mortgage

Real Time Solutions reported on our credit that we were in default of a loan from XXXX 2012 in the amount of {$45000.00}. We have never done business with this company ; we have never received any type of correspondence nor have they ever tried to contact us. This is an erroneous report on our credit from a company we have never even heard about.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is against the law to report any information not proven accurate. TRANS UNION DID NOT CONDUCT A FAIR INVESTIGATION. Trans union is not in compliance with the FAIR CREDIT REPORTING ACT. Trans union obtained specific factual information directly from a creditor and that is a direct violation of 15 U.S. Code 1681a ( e ).
Product: Money transfer, virtual currency, or money service

I have been harassed by Citibank & XXXX from last six months. It was on XX/XX/2019, there was fraud transaction using my Citibank credit card worth net amount XXXX. I raised the dispute immediately after I received the message with Citibank as well as XXXX. To my surprised even after logging in dispute with Citibank the bank cleared the payment to XXXX through which the fraud was done. 

I had been writing to Citibank at every possible level and the only response it gives is that it was an OTP transaction and it was secured one. I never received any OTP and I had been reinstating on this again and again. 

Please help.The complaint number with Citibank is XXXX XXXX XXXX