23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was bought by a debt collector XXXX XXXX, from my original mortgage company Veterans United Home Loans. I never received a letter from XXXX about them buying my mortgage, and asked them to validate the debt, to show that I actually owed the debt after they purchased it. I asked for the original copy of the promissory note in a notarized letter to both mortgage companies, and they both only sent me a copy of the promissory note, that I and my wife signed at closing on XX/XX/XXXX. I did some studying and found that banks do not loan their assets, so there was no loan. The last Promissory note according to my research, is monetized as per title XXXX1 USC 5118 ( d ) ( 2 ) ,31 USCA 463 and public Law 97-258 ( XX/XX/XXXX. And in accordance with 31 USC 5103 and USC 8, such promissory notes are national Bank currency and thereby coin or currency of the United States, by rule of law, US Supreme Court, and private BAR association statutory Bylaws legal definition. Also 12 USC 1813. These laws clearly state that the Promissory note is monetized or in a lot of cases invested to make money with risk. Giving the above laws to both Veterans United Home Loans and XXXX XXXX, and asking them to verify or validate the debt has been without results, leaving me to where I am now. My last conversation with XXXX XXXX, was with a gentleman who said yes my debt was purchased by XXXX XXXX and that I was sent paperwork to validate the debt.i explained to him that there was no loan, I never signed a check or received a bank transfer to my bank account with the money to purchase my home, so where did the money come from? He just was silent on the other end of the phone and never gave me an answer. When I wrote to Veterans United Home Loans, and to XXXX XXXX, I included all the laws to back up my claim to not receiving a loan such as : 12 USC 83, 15 USC 1601,1602,1611, 1604, and 15 USC 1635. To this day, I have not received the debt validation I asked for and did not pay my mortgage as I told them I wasn't, until the debt was validated. My wife and I are arguing because of this and I would truly appreciate your help in resolving this issue. Thank you for your time.
Product: Credit card or prepaid card

We received this credit card when we went to purchase our car in XXXX of XXXX. It is through Comenity Capital Bank and XXXX XXXX XXXX. It was a promotional deal for a downpayment. 

On XX/XX/XXXX I set up our payment method as our bank account and set the automatic payment date to be the date of the first payment due, XX/XX/XXXX. 

On XX/XX/XXXX I realized I was never charged. I went to my email to check to see if I received a notification of an error. There was nothing. 

I logged onto the account and saw no notifications of any kind. So I went in to the bank account information to double check everything was correct. It was. So I set up a new payment to go through on XX/XX/XXXX. 

That payment went through. When I logged in again to view the first statement I saw a {$28.00} fee for " Returned Payment ''. I was confused and reached out to support to ask why I was charged this fee. They informed me that I had cancelled a payment which incurred a fee. I explained to them that I never cancelled a payment and that I contacted my bank to see if they had returned a charge and they informed me that they saw no charge on my account except for the charge on XX/XX/XXXX. 

So I responded and told them it must have been an error with their system. Their response was to tell me my account was suspended since a payment was " returned ''. So a different response and still no refund of the fee. 

I responded to tell them I was confused as to how they were handling the situation and why, if a payment was returned or cancelled, I had not gotten any notification via email or phone. I have not received a response but I am very angry because I feel as though they are charging fees for nothing and that is fraud.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$590.00} XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$400.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reported by SYNCB/CCDSTR on my credit reports with Experian, XXXX, and XXXX. The discrepancies across these reports are clear violations of the Fair Credit Reporting Act ( FCRA ) and have resulted in significant harm to my credit profile. Furthermore, my account was sent to collections without my consent, which I believe to be a violation of my right to privacy. I request the immediate removal of this account from all credit bureaus and a thorough investigation into these issues. 

Inaccuracies Identified 1. Date Opened : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX 2. Credit Limit : Experian : {$1100.00} XXXX XXXX {$0.00} XXXX XXXX {$1100.00} 3. Date Last Active : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date of Last Payment : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Violations and Impact The above discrepancies demonstrate a failure to provide accurate and consistent information, leading to a misrepresentation of my financial behavior. Moreover, the account being sent to collections without my consent constitutes a breach of my privacy rights and further exacerbates the damage to my creditworthiness.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting dates, credit limits, and payment details violate this provision.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires that upon notification of a dispute, consumer reporting agencies must conduct a reasonable reinvestigation to determine whether the disputed information is accurate. 
3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Furnishers must not provide inaccurate information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 
5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

6. ***************Right to Privacy : *********** Sending an account to collections without the account holders consent or notification can constitute a violation of privacy. This action implies the disclosure of sensitive information to a third party without proper authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer XXXX now XXXX XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXXXXXX XXXX  now.with no help.
Product: Debt collection

This company states I owe XXXX {$170.00} which is due in full. I have never received a bill for this amount, an accounting of this amount or anything from XXXX whatsoever that says I owe them this sum of money, in fact I currently have service with them now and owe them nothing. In fact, I have a credit of XXXX. This collection is also time barred in the state of Pennsylvania ( 42 Pa. C.S. 5525 ( a ) ).
Product: Checking or savings account

I tried to open a bank of American account last year and a few years back and they keep telling me to remove something that was on my XXXX 4 years ago. Its no longer on there the bank said it was a mistake but Bank of America still wont open the account
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX Balance {$14000.00} XXXX XXXX  XXXX XXXX  XXXX Balance : {$3800.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX 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 XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in question is reporting different on all three credit Bureaus. The information is inaccurate and the debt has been reporting for 7+ years and causing me to not receive credit approvals. I am stuck with denial after denial.

Account ( s ) in question are : XXXX XXXX XXXX XXXX - Closed - Debt Charged of and then I paid Debt Settled to delete. Never happened. 
XXXX Acct # XXXX Equifax Acct # XXXX XXXXXXXX ( Date of First Delinquency XX/XX/2016 ) still reporting negative and preventing me from getting new credit. 

XXXX # XXXX- Still reporting negative to date. 


XXXX XXXX XXXX - Closed - Debt Charged off and then I Paid to settle debt owed and was lied to by rep that it would be a pay to delete. After payment never deleted and now XXXX doesn't do paid for delete. 

This should be illegal get money or tax write off for charge off, lie about settlement pay to delete and the credit bureaus are still reporting negative information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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 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 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
Product: Debt collection

This debt collected is calling me on No caller ID 4-7 times a day. They call on sundays even. They call constantly all day everyday. Then they call with their number showing. Ive asked them numerous times to stop but they wont. Its comenity bank for XXXX and XXXXXXXX XXXX This has started on XX/XX/ and has not stopped. I cant even sleep and rest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2021 I have been receiving numerous phone calls from a company called XXXX XXXX XXXX XXXX XXXX stating that they have been hired by a company called XXXX XXXX and that I owe a debt that needs to be paid. 

I have asked numerous times for the Experain, XXXX XXXX XXXX XXXX XXXX XXXX XXXX to provide me with proof that I am the person they say owes this debt with my signed signature pertaining to the matter. 

XXXX, XXXX XXXX XXXX continuously calls me and asks me for my attorney 's name and number and I don't know why. And they can't prove they have a contact with me.This account started out with a balance owed of around {$5000.00} and now I am receiving letters in the mail that the balance is now {$15000.00}. I am terrified and troubled with the financial stress and harassment they have added to my life. 

I have sent letters to all parties involved within the last 60 Days asking that this information be verified with me and I haven't received verification yet. This account needs to be removed immediately.
Product: Credit reporting

I have been submitting my complaints to Equifax with my police report and notarized Identity theft affidavit for 2 years now and they refuse to remove this account. XXXX and XXXX have removed it. Equifax ignores my dispute.
Product: Checking or savings account

Received emails from Wells Fargo about opening a checking account. I never applied for a checking account with XXXX. 

All from XX/XX/2022 : XXXX PM " We have received your documents '' about " my '' application for a checking account XXXX PM " Access your Wells Fargo account documents '' with an access code XXXX PM " Next Steps for your Application '' with info about tracking " my '' application XXXX PM " Welcome to Wells Fargo '' stating that my application for a checking account was approved XXXX PM " Your Wells Fargo Contact Information has been updated '' stating that the email address on file was changed. The new email address was almost completely redacted. 

I'm upset that someone was able to use my personal information to apply for a bank account, and that account was approved in ONE MINUTE. It is incredible to see such a negligent lack of review/security/oversight. 

It took me over an hour of being on the phone with Wells Fargo and being transferred to 3 different departments before I could even report this fraud. This was by calling the phone number specifically provided for reporting checking account fraud, so you'd think it wouldn't take being put on hold multiple times before I could talk to someone about this. Maybe so much of my time wouldn't have been wasted if XXXX took more than 60 seconds to approve a new bank account. What an embarrassment of a bank.
Product: Debt collection

XXXX {$2800.00} I have send a letter asking to validate my debt and they just send me a bill.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX DOB : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX RE : DISPUTE OF INACCURATE INFORMATION CHARGE-OFF ACCOUNT To Whom It May Concern, I am writing to formally dispute the accuracy of information listed on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing a charge-off account listed with the following details : ACCOUNT NAME : XXXXXXXX XXXX  ACCOUNT NUMBER : XXXX BALANCE REPORTED : {$12000.00} This account is inaccurately reported, and I believe it should be removed for the following reasons : 1. Lack of Proper Verification ( 15 U.S.C. 1681e ( b ) ) : Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to ensure maximum possible accuracy of the information contained in credit reports. This account has not been properly verified as accurate or complete. I never received a 1099-C form, which is required when a debt is canceled or forgiven. Without this form, the debt 's status is questionable and may be inaccurately reported.

2. Reinvestigation Requirement ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) : Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), the reporting agency must reinvestigate any disputed item and promptly delete or modify the information if it can not be verified as accurate. I am requesting a reinvestigation of this account, and if it can not be verified, it must be removed from my credit report. 

I request that you : Investigate this matter in compliance with the FCRA. 
Provide documentation verifying the accuracy of this account or delete it from my credit report. 
Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you, but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Fraudulent activity has incurred with this acct using my name because lady I spoke with ( XXXX XXXX ) & her supervisor ( XXXX XXXX ), with Sequium Asset Solutions, told me this acct had an email address attached to it ( XXXX XXXX of which I've never opened an email acct by this address in my name, nor have I ever had an account with XXXX XXXX ( the original account holder ). I initially disputed this debt collection through XXXX, in which the negative account was finally removed after filing a fradulant claim & attempting to clear up this account through Sequium Asset Solutions on XX/XX/2020, in addition to filing a dispute with XXXX  & a complaint with the XXXX ( followed up with " several '' moderated interactions between me & Sequium Asset Solutions ). My credit score with XXXX  dipped to XXXX because of this, in which it's now XXXX after negative account was removed. However, it has come to my attention that I now have the same negative account, reported by Sequium Asset Solutions, on my XXXX  & XXXX credit reports, of which neither credit reporting agency has removed this account because Sequium Asset Solutions is refusing to have it removed and is still saying this is my bill, which it is not. Thus, since this negative account has already been removed from XXXX, I'm requesting it be removed from XXXX  & XXXX also. Furthermore, I never received a debt collection notice from Sequium Asset Solutions on this bill, nor have I ever received a bill from XXXX XXXX, and only learned of this debt collection when checking my annual credit. Thank-You ... XXXX INFO ATTACHED TO BILL ( info given to me by Sequium Asset Solutions ) : Address : XXXX XXXX XXXX XXXX 
XXXX, KY XXXX XXXX Acct # : XXXX Amt :  {$680.00} Original Company : XXXX XXXX Collections Agency : Sequium Asset Solutions ( XXXX ) XXXX
Product: Debt collection

XX/XX/2024 XXXX XXXX XXXX has entered a judgment against me and has attempted to garnish my wages for debt that has reached its stature of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management keeps reporting 2 collection accounts to my credit report. I have sent them letters dating XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, asking them to provide a contract with MCM as validation with my signature. They ca n't provide that. They can only tell me that the screen shows I owe them the money. They continue to report this to my credit report with all 3 bureaus which costs me more money in interest with the companies that I do have contracts with and I have been denied credit because of this issue. I want this false information to be taken off of my credit report.
Product: Debt collection

On XX/XX/XXXX a debt from Enchanced Recovery Soultions or Company appeared on my credit report for XXXX XXXX XXXX XXXX whatever that is, I do know I do not or have not had XXXX XXXX, it had no dates or identifying info ... but I have lived in the state I am in now for seven years and they company we use is NOT XXXX XXXX So I don't know if this is for a different person or an old debt for someone eles but it's not mine and their mistake has had severe effects on my credit. 

It says opened XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$630.00} {$630.00} Payment Info Original loan amount {$630.00} Balance {$630.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX please remove this immediately and do not place false invalid debts on my report.