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

I have filed XXXX complaints in this issue. I filed XXXX complaint in XXXX, another in XXXX and another in XXXX. Each time I have asked for proof of verification and methods used in regards to an account that XXXX and Experian are reporting which is XXXX XXXX XXXX account XXXX, which both they say have come back that is verified and I am shown on it as a co-signor. I have also asked for paperwork bearing my signature and proof of this verification. The information I received on XX/XX/XXXX was not only a copy of my report and a letter, no actual proof of verification as I have asked fro XXXX  times already. According to the FCRA credit reporting from all three bureaus has to be 100 % accurate and factual. There is no way any proper investigation has been done, and I have attached my credit report from experian and XXXX. Once I provided this information to XXXX the account was removed. First error is that this account is reporting as past due, but to be past due I must have set up an active account with a set payment date and I must be over XXXX  days late on an agreed payment to have a past due balance, so I have never had one. Because I am listed on this account as a cos-signor I asked for this proof as I have reported the account as fraudulent, and have have yet to receive any. I never made any type of agreements or signed any paperwork stating so this information is false. Also upon review of XXXX  and experian reports+ attached is some of the information that is conflicting. I have attached this information. 

XXXXOn Experian This account is reporting that I was on XXXX  months terms but shows past due as of XX/XX/XXXX, and has been reporting as past due since XXXX of XXXX, and on the same exact report shows my highest balance as XXXX XXXX My XXXX  report shows a high balance of XXXX. Clearly this information is inaccurate. 
Obviously I can not have a high balance XXXX from XXXX  and a high balance of from experian of XXXX XXXX 

XXXX. I have also attached my XXXX  report which shows conflicting dates the account was open on XX/XX/XXXX and experian states XX/XX/XXXX. So who is right? How can the same account be reported open on XXXX separate dates? This is also Clearly inaccurate. 

XXXX. Experian shows this account should be on record unitl XX/XX/XXXX while XXXX  shows this account should stay on record until XX/XX/XXXX. This also shows great disparity amongst the XXXX. 

According to the FCRA the information provided on the account from XXXX XXXX is innaccurate and not 100 % true and this account is to be removed for that reason.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX Balance Owed XXXX {$190.00} XXXX  XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX {$740.00} BXXXX XXXX XXXXXXXX XXXX Balance Owed : {$1200.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$770.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$62.00} XXXX XXXX  XXXX Balance Owed : {$660.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9300.00} XXXX XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ( XXXX XXXX ) was involved in a XXXX case along with my boyfriend XXXX XXXX XXXX XXXX and we were both sent to XXXX XXXX by XXXX, she was a representative for the XXXX XXXX XXXX XXXX XXXX XXXX and who we were ex clients of. We were sent to XXXX XXXX for treatment for our injuries. XXXX had stated that we won't have to pay for any bills whether it was a win or loss case. After the case was over, we both were getting bills from XXXX XXXX sent to our mailing addresses. XXXX notified XXXX about the bills and she said not to worry about them, she wanted XXXX to take pictures of the bills and send them to her so that she can handle it. She stated that we should not be paying any bills to any doctors that she referred us to. As time passes by, we checked our credit scores and we been wrongfully sent to collections when we were not at fault nor responsible. My boyfriend had contacted XXXX about the collections but, she has been little to no help whatsoever, she does not respond to his messages. We both filed and submitted a dispute late XXXX with Transunion and XXXX with mixed results. My boyfriend XXXX XXXX XXXX XXXX had his collections removed from his credit score account by Transunion but XXXX has not so he submitted his own complaint. As for me, Transunion has removed the collections from my credit account on XX/XX/XXXX. For unknown reasons, Transunion added the collections back to my account on XX/XX/XXXX. I tried calling them to find out why, no pick up. For XXXX, I filed the exact same dispute and I was not satisfied with my results. I do not understand why Transunion removed the collections and put it back into my account 5 days later. This is not a game, it is a serious problem and I do not appreciate how this is being handled by the credit bureaus. I also do not understand why my boyfriends collections has been removed by Transunion and mine has not when we both filed the same exact dispute, no changes or differences between our disputes. I have supporting evidence to back up my complaint, screenshots my boyfriend XXXX XXXX XXXX XXXX took of his conversations with XXXX. Side note ; XXXX contacted XXXX XXXX XXXX himself, he said that he will be of assistance and send a letter soon stating that we were not at fault and that we shouldn't have gotten sent to collections by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see on my credit report a derogatory entry that doesn't belong to Me, nor am I responsible for, nor have I received any money or goods from the creation of this unknown account. The date the account was opened was XX/XX/2020 and the fraudulent amount that I am not responsible for is {$740.00}. I haven't talked to the company however I have filed a police report and a identity theft report.
Product: Debt collection

1. My first request was On XX/XX/XXXX ( I requested from Citi/Citibank N.A./Citigroup Inc./Citibank/Citicorp Credit Services/Citi Mastercard/Etc. ), XX/XX/XXXX and on XX/XX/XXXX I requested from XXXX XXXX XXXX XXXX XXXX and Citi/Citibank N.A./Citigroup Inc./Citibank/Citicorp Credit Services/Citi Mastercard/Etc. to provide me with a NOTARIZED AFFIDAVIT VERIFICATION & VALIDATION of Debt form ; to date I NEVER received it. XXXX XXXX XXXX XXXX XXXX XXXX keep sending me are statements with NO Charges from a credit card. That's NOT validation of debt! That is a violation. 
2. NEVER gave XXXX XXXX XXXX XXXX consent to contact me in any way ; they keep sending messengers to the address and those people are literally THROWING envelopes at my window. That is a violation. 
3. XXXX XXXX XXXX XXXX have ruined my reputation. That is a violation. 
4. XXXX XXXX XXXX XXXX are using false & misleading representations. That is a violation. 
5. XXXX XXXX XXXX XXXX are attorneys ; a debt collector can not be an attorney nor can an attorney be a debt collector. That is a violation. 
6. As a CONSUMER I have a right to request validation of a debt pursuant to 15 USC 1692g. I requested VALIDATION ; competent evidence of a legal obligation of the debt and/or a legal obligation to pay you which has NOT been received for over one year and you ( XXXX XXXX XXXX XXXX XXXX are still ruining my reputation and harassing me. 
7. One of them is calling all day and sending negative threats, court date papers, and statements in the mail. Thats NOT what was requested ; I requested VERIFICATION. BY THEM DOING OTHERWISE .... That is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : Chase requested information regarding a credit card requested in my name, suspected fraud. XX/XX/XXXX : Advised Chase that I did not request the credit and it was indeed fraudulent. Chase advised they would cancel the pending application and remove the credit inquiry from my credit report. They also advised me to request a copy of the fraudulent application in writing and they would release a copy to me so that I could file a report of the identity theft. Advised Chase again in writing on XX/XX/XXXX that the credit inquiry had not been removed and that they had still not provided me with a copy of the fraudulent credit card application that I had requested in writing. As of today, XX/XX/XXXX, still no response from Chase.
Product: Checking or savings account

On XX/XX/XXXX between XXXX {$270.00} disappeared from my PNC checkings account XXXX not shown on bank statement. Called PNC the next day to see where my money went but could not give me an answer. On XX/XX/XXXX between XXXX a Credit from XXXX of {$780.00} was credited but lost {$1300.00}, that did not show on my bank statement again. Called PNC and the representative was thinking there was a glitch in the system since when I withdrawal money out of my checkings account, it wouldn't show anything pending until a week later. I was given a provisional credit of {$1500.00} on XX/XX/XXXX but on XX/XX/XXXX the took back the {$1500.00} and an additional {$510.00}. PNC XXXX XXXX acknowledged that the bank took my money because they're disputing and assured me I would get it back in 10 business days on XX/XX/XXXX @ XXXX ( Reference # XXXX ). Once the official dispute was filled I was given a {$5100.00} provisional credit. Called PNC to see where the {$5100.00} came from and they explained it clearly. PNC bank later said they gave me a {$6100.00} credit which is not true. They refuse to bring up any recordings that support my case. PNC bank has taking at least {$1400.00} of my money on a recorded line. The amount of money the left my bank account without leaving anything on my bank statement totals at least {$1600.00} for a grand total of {$3100.00} money taken out of my account without leaving any evidence on my bank statement. I believe it has to be an inside job since they acknowledged the money being taken out of my account in front of their eyes on its on a recorded lines they refuse to review.
Product: Mortgage

XXXX paid {$78000.00} for flood claim from XX/XX/2023. The Check was cashed by XXXX XXXX mortage company. on XX/XX/XXXX my mortgage was sold to NewRez. NewRez notified me they do not have the funds. I called XXXX and they sent me copy of cashed check. Check was cashed by XXXX XXXX. I got rep from XXXX XXXX on a XXXX way recorded line with rep of New Rez and then miraculously the money was there. NewRez received the funds XX/XX/2023 XXXX said he would have a check overnighted on Friday XX/XX/XXXX. Called XXXX  just to make sure and XXXX confirmed. No check arrived. Called NewRez XXXX morning and they said they don't have the funds. I have made a call many times each call over an hour long. They won't let you talk to a manager nor give you a number to their corporate office which they keep referring to. My last call today was almost a full XXXX hours and the same lies back and forth. we are old and sick and just want to repair our house and get home.
Product: Money transfer, virtual currency, or money service

Hello, I am contacting you regarding a dispute I have with my bank ( Truist, previously SunTrust ). 

Indeed, I made an international wire transfer of XXXX USD ( XXXX EUR ) on XX/XX/2022, from my American Truist bank account to my XXXX XXXX  account ( XXXX XXXX ) ( Reference Number : XXXX, attached document # XXXX ) and the money should have arrived on XX/XX/2022. However, the wire never reached my XXXX XXXX account ( bank statement from XXXX to XXXX attached, document # XXXX to XXXX ). 

I have contacted Truist several times since I made my first request ( 4 in total ) on XX/XX/XXXX, and they have initiated a request to track and recall the wire to my Truist account. I also noticed a mistake on my XXXX address ( zip code ), that I asked to be corrected ( XX/XX/2022 ), I was assured it had been automatically corrected by the software but according to the XXXX XXXX document ( attached document # XXXX ) I received today ( XX/XX/2022 ) it was not. I dont know if its related to this issue but its an uncorrected mistake on their end. That being said, my transfer needed to get through two intermediary banks in order to reach my XXXX account and according to Truist my money should be in one of these 2 banks.

They seemed to have been trying to contact those 2 banks to get my funds returned, but the intermediary banks have not been responding so Truist said they couldn't do anything. When I asked them to initiate the wire, I was told that if there was any issue, they will be able to recall the wire in order get my money back, and they are clearly unable to do so. In addition, they told me to contact the intermediary banks myself even if Im not a customer of these banks and dont have access to the information regarding the wire transfer initiated by Truist . In any case, if the intermediary banks didnt answer to Truist , why should they answer to me? However, I contacted my bank in XXXX several times : they never heard about this wire and requested the XXXX document identifying the transaction. Unfortunately, Truist was not able to provide me with this number which should be emitted by one of the intermediary banks. 

After several requests, Ive just received a mail from the bank stating my case was closed as the wire was sent as per my instructions ( attached document # XXXX ). I went to the bank today and had been told that Truist will not do anything else to help me recover nor refund my money. 

From my point of view, I gave Truist all the information needed to do this wire and Im not responsible for the transit of the wire through the intermediary banks, which is the decision of Truist. I entrusted my money to Truist and they promised me that my funds would safely arrive on my XXXX XXXX account in a maximum of 3 weeks. It's been almost 4 months and this promise has not been kept. As they are not able to get my money back, I want a refund. 

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

XXXX  and Transunion are incorrectly reporting a balance due on the XXXX XXXX partial account numbers XXXX and XXXX. This account is over 7 years old. This is a violation of the Fair Credit Reporting Act and this incorrect reporting is hurting my credit score.
Product: Debt collection

I sent out a Creditors Verification Letter accordingly to the Fair Debt Collection Practice Act. The company was not able to verify the debt belongs to me after I sent out the letter I never got a response within the thirty day time frame ( 30 ). I am providing you a copy of my Creditors Validation Letter and the USPS Mailing information with the dates. You will be able to see that it was delivered on the XXXX XXXX, 2016 and I never heard from them since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint with CFPB about a collection account that I believe is violating my rights. XXXX XXXX has provided incorrect information to the credit bureaus. The information about the debt is innacurate and is hurting my credit. I would like for them to provide me with proof that this debt is accurate. In order to move forward with this I request an original bill or contract that states that this debt is mine. I believe that this account is not mine and I will look forward to resolving this issue. Also according to the Fair credit reporting act section 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. The following account has violated my consumer rights. 


Account : XXXX XXXX Account number : XXXX open balance : {$710.00} Date XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX : XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( 3 in total ) show late payments that were not late. I was told they could not fix them and I needed to file a complaint. The CU stated that when the complaint came in they would ignore it and the bureaus would remove the late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transition is reporting my Dept of Education loans as Chargeoff but the Government paid them because I am a 100 percent totally and permanently XXXX Veteran
Product: Debt collection

the collection agency [ bay area recievables ] are trying to collect a debt that would have been paid by the VA XXXX XXXX, had they paid attention to my instructions to not bill XXXX, but to bill the VA XXXX XXXX, theVA paid all of my medical bill 's from all providers, but the bill in dispute was not paid in full, XXXX paid all but XXXX dollars of the bill, had they billed the VA they would have been paid in full, i am a 100 % XXXX vet and my XXXX is taken care of by the VA, there fore I would like to have this removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) XXXX XXXX XXXX reported Delinquent, which incorrect, was dispute and was trying to correct 2 ) XXXX  Credit Reporting wrong information on Delinquent, and recent credit inquiries 3 ) Equifax Credit Credit Reporting wrong information on Delinquent, and recent credit inquiries 4 ) XXXX  Credit Reporting wrong information on Delinquent, and recent credit inquiries
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 719XXXX has me at a score around 590. 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 XXXX 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 inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Mortgage

I'd like to file a formal complaint, in addition to the ones I've already filed with BBB, their " inquiry '' e-mail provided to me for complaints, and my U.S. Senator against Village Capital LLC based out of Nevada. 
Their operating procedures are manipulative, predatory, and unethical regarding providing requested loan payoff amounts. We requested a payoff amount two weeks ago. We are working with professionals who deal with every lending company imaginable with decades of experience ; therefore, no doubt they know how to request a payoff amount and what procedures they need to follow and what questions they need to ask to get the information required to complete business.

Somehow Village Capital is an anomaly that plays by different rules. Phone payoffs are routinely requested and documented as a valid/legal request. However, this seems to not be an acceptable request for their company. If that's the case, the requests should not be taken by phone and insinuated as valid. The Broker 's office called and requested the loan payoff letter on XX/XX/XXXX, to which they agreed via phone, but then when an email was sent on XX/XX/XXXX to follow up, they said that was the first/only valid request received. That is manipulative. We all know that this is done as a delay tactic to try and convince the customer to just refinance with them. We have been getting calls all day, every day from Village Capital to try and work out a deal, but magically our payoff request wasn't received until a week after the calls started. There are other complaints on BBB of the same thing happening to other customers. This leads me to assume this is a predatory tactic that places people in very difficult positions as it delays and postpones closings on mortgages which are tremendously stressful and require grand orchestration from multiple families, attorneys offices, movers, etc. People have the potential to lose housing and be placed in precarious positions because of the gameplay your company practices. The payoff information is literally at anyone 's fingertips at any given moment with computers and you just sit on it, regardless of the effect on your customers. They said if we could provide proof they would immediately send us the letter, otherwise we have to wait the full XXXX business days. Our closing was set for XX/XX/XXXX, but now has been delayed until we receive the letter. XXXX XXXX stated they would provide it to us on XX/XX/XXXX.