23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The collection office in their reply admitted they do NOT own the debt they are attempting to collect and therefore are continuing to illegally report information on a consumer credit reporting agency. The company also admitted they did not properly send a debt verification letter prior to reporting the account to the consumer reporting agency. The company also claims that the " client '' they are attempting to collect a past due balance for was for a time period that insurance was provided by a company other than their " client ''. This issue has remained unresolved and as a result, a copy of this complaint and all documentation supporting the facts will be forwarded to the State Attorney General 's Office, the debt collectors " client '' and the Federal Trade Commission. A copy of the USPS Informed Delivery Emails that correspond with the time period indicated by the debt collection company 's prior email will also be provided showing the Debt Collection Company willfully failed to notify me to allow a validation of debt as required by law and therefore violated the FCRA in the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting XXXX XXXX # 's XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is continuously reporting incorrect information on my credit file. Its been well over 30 days and I have yet to receive results on my dispute. The account is clearly not mine Ive sent documentation on numerous occasions and they still refuse to delete. The collection account is for XXXX and XXXX XXXX in the amount of {$11000.00}. There are 2 companies trying to collect on this fraudulent account. Ive been dealing with this fraudulent account for 4 years beginning XX/XX/XXXX. The account was deleted and Equifax reinserted the fraudulent account without my knowledge in XXXX. Ive attached documentation showing the account doesnt belong to me and it needs to be deleted indefinitely.
Product: Mortgage

Capital One N.A . -Alleged Creditor actually a misconduct debt collector who violated Federal Consumer Laws FDCPA. 
My house was stolen by a well-orchestrated group of people from a BK Judge XXXX XXXX to debt collectors - collecting not on a real estate loan but an unsecured debt. The debt collector XXXX XXXX XXXX dba XXXX XXXX, Captial One N.A., XXXX XXXX owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX servicer of XXXX. 
Please refer to my letter for the illegal seizure of my home - all debt collectors violating FDCPA to seize my home and equity. I was eligible for Quiet Title and was continually bullied and endured Legal Abuse Syndrome. I am handicapped already ; I receive SSI. These people took advantage of my condition.
Product: Credit card or prepaid card

FIRST CITIZENS BANK CREDIT CARDXXXX does not protect their clients FROM FRAUD. 
On XX/XX/XXXX, I filed a fraud claim on a transaction that occurred on XXXX XX/XX/XXXX XXXX for {$590.00}. The agent took my claim and understood it was good it was within the XXXX timeframe needed to file. I was told I would have a credit within XXXX. I never saw the credit and called to follow up on ( XX/XX/XXXX ). On this follow up call the agent stated the claim wasnt within the XXXX so I clarified yes it was, it was first called in on XX/XX/XXXX. Agent verified dates and apologized and took my claim again and we should see credit with XXXX. Today I call again just to verify because I thought I saw the credit but I cant find it on my statements. Called today ( XX/XX/XXXX ) and when the agent " XXXX '' checked on the claim, she stated the claim was denied because it wasnt within the XXXX time frame for filing. I questioned when did it change from XXXX to XXXX? She couldnt say and just kept repeating the XXXX. I asked if a credit was given it must be a temp credit and then they reversed it and agent confirmed YES. I asked to escalate and was told there was no escalation, it was denied. Advised agent a complaint was going to be filed because they lead us to believe the claim would be credited and they seem to change the rules as they go. NOTE : no notification was ever received of any denial nor of any possible change of required time frame. They are deceiving me and Im sure Im not the only one. I will be posting this issue on-line for other XXXX XXXX  that may think FIRST CITIZENS BANK is there to protect them. If we didnt follow up, no one would know they just used that excuse to protect themselves, not their clients.
Product: Credit reporting or other personal consumer reports

All of these inquiries were not done by me and I have filed an identity theft report to the ftc. I request all these inquiries be deleted from my credit report immediately by law you have 10 days from this complaint to remove. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have repeatedly asked in writing, for proof that I owe this debt to National Recovery Sys and each time I am not provided with proof in the form of a written agreement between National Recovery Sys and myself.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 

As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent accounts, and following this submission, XXXX and XXXX have removed these accounts from their records. 
I have also directly contacted the company associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 

It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

Phoenix Financial Service refuse to send me VALIDATION of this account ( of which I know nothing about ). I filed a dispute with XXXX  and they send the same bill to XXXX  ( not VALIDATION ), yet XXXX  is refusing to remove this account. how could they " verify '' the debt belongs to me if I'm disputing the validity of the debt? 

Phoenix Financial have yet to send me validation of the debt ( I send a certified letter seeking it ), but also refuse to remove it from my account. 

According to the report : Account Number is XXXX, Date Reported is XX/XX/XXXX, Date Assigned is XX/XX/XXXX, Creditor Class is Medical/Health, Status Date is XX/XX/XXXX. Status is Unpaid, Date of 1st Delinquency is XX/XX/XXXX, Balance Date is XX/XX/XXXX. Amount is {$35.00}. 

XXXX  is using the bill as verification of the debt. Rather than seeking validation of the debt ( since they won't send it to me ). After notifying me on XX/XX/XXXX that my dispute is being investigated, XXXX  closed the dispute on XX/XX/XXXX without notifying me ( had I not check my report on XX/XX/XXXX, I wouldn't know of the status ).
Product: Money transfer, virtual currency, or money service

My account was frozen on XXXX XXXX,2017. Paypal Promised to release my funds at 180 days and they have not done so.Please release my {$420.00}, so I can withdraw. My case : XXXX.
Product: Credit reporting

My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 

XXXX XXXX/XXXX/15 Finance XXXX XXXX/XXXX/15 Oil And National Credit Cards I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit.
Product: Credit card or prepaid card

Hello, on XX/XX/XXXX, I was charged a late fee on my account. I really am going through a rough patch. My partner  lost both her jobs, I am financially supporting here right now. I also lost one of my main income sources. I contacted the bank this morning to discuss having it refunded. They were unable to due so. I simply do not agree with charging me a late fee during this unprecdented time. Is there any way we can have this fee absolved? Thanks for your consideration.
Product: Credit reporting or other personal consumer reports

I have a student loan with duplicate amount and incorrect information that was sent to XXXX in the amount of {$150.00}, XXXX I contacted loan servicers who had refused to investigate the loan and to correct it but sending wrong information to my credit report XXXX weeks ago, I received an alert from XXXX a student loan is in the amount of XXXX, XXXX. I contacted loan services ( XXXXXXXX XXXX they denied reporting such information and XXXX had refused to delete such information XX/XX/24 I received an alert from XXXX with a student loan debt in the amount of {$480000.00} today. I contacted XXXX XXXX twice and was told they did not report this information to experian. spoke with XXXX who said they will not remove them unless XXXX told them. I have been playing like a yo-yo.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureau  ( s ) a nd inform them that the information/account number being reported by   XXXX   XXXX   XXXX   XXXX  is not my account, please remove, and have   XXXX   XXXX    XXXX  provide a sign contract with my signature. With the the loan number being reported. The information was not removed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, you are obligated to investigate and resolve disputes within a specific timeframe. I expect these changes to be made promptly, and I hope we can resolve this matter without further escalation. 
I have previously filed a complaint with the Federal Trade Commission ( FTC ) regarding this issue and have enclosed a copy of that complaint, along with proof of my identity and address. 

Names/ Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

We have our current mortgage through Guild mortgage, and are in the process of buying a new home. 

I called on XX/XX/XXXX and was assigned XXXX XXXX as our loan officer. After the initial consultation me and my wife completed and submitted our application. 

XXXX was extremely unresponsive. He never answered his phone, would take days to respond to emails, and refused to ever respond to any correspondence sent from my wife. 

After almost a month he finally offered to lock in my interest rate, now significantly higher than what was originally offered to me. 

On XX/XX/XXXX he sent over an agreement to sign. This form had my down payment at {$5800.00}. The monthly payments were much higher than we had discussed, but we had also discussed a {$10000.00} down payment. I asked XXXX to let us know what our payments would look like with a larger down payment. The payments didn't decrease by much, so I told him to just go with the {$5800.00}. At this point he let me know that FHA require a larger down payment. 

At this point I really lost my confidence in letting this guy handle a process that would affect me for the next 30 years. I spoke with my agent and she recommended a different company. Our current loan officer was very responsive and enthusiastic so we decided to switch to them. 

I let XXXX know that we would be switching on XX/XX/XXXX, and have have received no further correspondence from him. My current lender is Moving forward with our loan process, but needs XXXX to release our FHA case number so that he can move forward. Calls and Emails from the mortgage company and myself have all gone unanswered. I feel like he is holding our loan hostage, whether maliciously or through negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I paid the entire balance on my XXXX XXXX. After submitting the payment my balance showed {$0.00} balance. I noticed at the end of XX/XX/2020 after my credit score kept dropping that I had a balance of {$6.00} on my card unbeknownst to me. As soon as I found out about the balance it was paid on XX/XX/2020. I have never had ONE late payment ever and for XXXX to penalize me to this extent is ridiculous!!!!! My credit score is now XXXX and my balance has been reduced to {$500.00}.
Product: Checking or savings account

I opened AMEX Business Checking account that after satisfying certain conditions, does provide XXXX membership points. The points were provided, however the only cash option available to redeem these points were Redeem for Deposits- which redeems XXXX points for {$80.00}. Meaning XXXX points were deposited for {$480.00} on account statement. However AMEX furnished 1099-INT form that claims an interest payment of {$600.00}. After several calls- they said I could have redeemed the points for {$600.00} gifts cards and they report the maximum value possible, however I have a current screenshot that I can provide of the AMEX site saying redemption from Checking Account points are ineligible for gift cards. In other words- {$480.00} is the max that can be redeemed for cash physically and 1099-INT {$600.00} payment is incorrect and not-realizable. Hence AMEX is paying {$480.00} and is writing off {$600.00} for every customer impacted by this promotion - keeping the difference.
Product: Debt collection

XX/XX/2019 I noticed this balance on my credit history from ACCOUNT RESOLUTION SERVICES. Tried to call them to see what company was associated with them never got a response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX. 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 n i made this clear for 60 days straight with experian i spoke to a representative agent name 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 three 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and I have the right to privacy : XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I, XXXX XXXX XXXX, am filing a complaint against Truist Bank regarding their denial of my business loan application. I believe this denial constitutes an adverse action that violates the Equal Credit Opportunity Act ( ECOA ) and related regulations.

The reason provided for the denial was : " Lack of establishment earnings record or earnings insufficient for the amount of credit requested '' This reason appears insufficient and may not comply with ECOA requirements for transparency and specificity [ 1 ] [ 2 ]. I believe it fails to fully explain the circumstances of my application and could suggest discriminatory practices or failure to follow proper non-discriminatory procedures as required by law [ 3 ].

Specifically, I believe Truist Bank 's actions violated : 1. 15 U.S.C. 1691c ( Equal Credit Opportunity Act Notification of Adverse Action ) 2. 15 U.S.C. 1691 ( Discrimination Prohibited ) 3. 15 U.S.C. 1681m ( Duties of Creditors Regarding Adverse Action ) 4. 12 CFR 1002.9 ( Regulation B Adverse Action Notifications ) The ECOA prohibits discrimination in credit transactions and requires creditors to provide specific reasons for credit denials [ 4 ]. Creditors must evaluate applicants based solely on their creditworthiness and provide clear, non-discriminatory explanations for adverse actions [ 5 ].

Additionally, I am concerned about Truist Bank 's use of my personal financial information, including my Social Security number/credit card, without granting credit or providing any benefit. This raises concerns of unauthorized use and potential fraudulent activity, which may violate the Fair Credit Reporting Act ( FCRA ), specifically : 1. 15 U.S.C. 1681n ( willful noncompliance ) 2. 15 U.S.C. 1681o ( negligent noncompliance ) I request that the CFPB investigate whether Truist Bank has complied with all relevant laws and regulations in processing my application and issuing the adverse action notice. I also ask that they be required to provide a more detailed explanation for the denial that aligns with ECOA requirements and to address the concerns regarding the use of my personal financial information.
Product: Mortgage

I was notified by our utility tax district with notice on our front door that if our utility taxes weren't paid for XXXX by XX/XX/XXXX that our water services would be disconnected and wouldn't be turned back on until {$3000.00} plus is paid. This shocked us because our Mortgage ( Gregory Funding ) has not failed to pay our taxes before. Our county/property taxes were also late in being paid ( got late notices from XXXX XXXX  XXXX but those taxes were eventually paid. Everytime I call Gregory funding I keep getting different explanations. First they acknowledged they haven't paid and would get on it. They promised to pay by XX/XX/XXXX and it still hasn't been paid. When I called them earlier this morning ( XX/XX/XXXX ), now Gregory funding is saying they have records of paying our utility district and now they are waiting on returned payment from our utility district ( so it appears they haven't even tried to reach out to the utility district to straighten out this matter ). This is causing me and my XXXX  mom much stress and we are already in the middle of financial strain in this tough economy.
Product: Checking or savings account

I only have documents that support transactions from XXXX XXXX through XXXX XXXX Deposits XXXX Electronic withdrawls XXXX other withdrawals XXXX But this account was opened up XXXX of XXXX