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

I have called and written to dispute this inaccurate ( fraudulent ) information on my credit report and let them know this information is fraudulent. I have sent the recommended documents to get this resolved. The following accounts are listed incorrectly XXXX XXXX, XXXX XXXX XXXX. There should only be one address listed on my report XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX. My name is XXXX XXXX that is the only name I have ever used when applying for credit. The inquries for XXXX, XXXX XXXX XXXX XXXX XXXX I did not do this.
Product: Mortgage

We were foreclosed on by NationStar Mortgage last XX/XX/XXXX. We were denied our due process rights by them. We were in a loan modification process with them when I was told that we had been denied. NationStar told us not to make any payments during this time frame as it would only XXXX up the process and would take more time to complete. I called Take XXXX XXXX, a credit counseling company, that I had been working with and asked, " What do we do now? '' They said not to worry, the state of Arizona has a program for this scenario where they make up the past due amount and the loan resumes as if nothing had happened. We just needed something in writing from NationStar stating we had been denied. 

I continued to call them every week to check the status of our property and the notification of the denial and to see if a sale date had been set yet. I kept getting told that things were " On hold. '' In XX/XX/XXXX a woman came to our front door and said she was the new owner of our house. This came out of the blue with no notification at all. If we had received something in writing this would have all been averted. We never received a thing in writing from them. We were evicted!!! 

I am realtor and just found out about your agency in a continuing education class this past week. Please help us, ASAP!! We are now in a rental and our landlords are also mortgaged with NationStar, they are in an interest only loan and want to refinance it at current interest rates but are being denied that option. Our landlords have told us they need to have something setup by the end of XXXX to allow us to stay here. I was recently hospitalized for XXXX, XXXX and a XXXX. I was involved in a XXXX car crash on the freeway shortly thereafter and have been under the care of a XXXX for XXXX and XXXX. Any move in the future would simply kill both of us. I am XXXX and my wife is XXXX. 

We had owned the property in XXXX for 20 years. It was always kept in pristine condition and that is same way we are taking care of this home now.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express is looking to ruin my credit and the credit if all my additional card users. I never had a problem with payments in over 30 years. When covid hit. We didnt have a dime of income coming in. American Express said that it would be okay to pay late. They said they wouldnt report it. They lied. I had a {$10000.00} bill that was owed. We agreed to have me make payments over 3 years to fully pay up my balance. Since then every time there is a credit search done on me, my husband and all of my children that were additional users it gets killed by false information that they are reporting. I have made several phone calls and have been told that they will correct it. They never do. They are liars and are looking to hurt their customers
Product: Mortgage

On XX/XX/23 Roundpoint Mortgage Servicing LLC issued a refund for the amount of {$160.00} from the escrow account attached to my mortgage. 

On XX/XX/2023 the escrow check was deposited into my checking account. 

On XX/XX/2023 the check was returned as unpaid by my bank, marked as Non Sufficient Funds ( NSF ) and the complete amount of the original escrow check was withdrawn from my bank account ( {$160.00} ). The bank also charged a {$10.00} fee for the returned check. 

On XX/XX/2023 I sent a Error Resolution Notice to Roundpoint Mortgage Servicing LLC under 12 C.F.R. 1024.35 notifying them the check had been returned as NSF and requested reimbursement for the returned check fee. 

As of XX/XX/2023 they have not acknowledged or responded to my Notice of Error.
Product: Credit reporting, credit repair services, or other personal consumer reports

3-4 weeks ago I received a call from Sequium Asset Solutions regarding bill with XXXX. I still had equipment and owed small balance. I informed them the equipment was returned and they were threatening to put on credit report. I stated that I was going back to XXXX to address it. 

This company didn't send any correspondence or notify me by mail regarding the debt. I paid what I owed on XX/XX/19 and Sequium placed item on credit report XX/XX/19. According to FDCPA, collection agencies are required to provide notification by mail, five days after initial contact. 

As of yesterday, my credit report updated showing it as a " paid collection ''. How is it a paid collection when it was paid directly with XXXX, not them?
Product: Debt collection

I received a letter from my bank Wells Fargo on XX/XX/XXXX stating that XXXX $ was taken from my checking account. The letter stated that they received a legal order to deduct money from my account. 

I have no idea what this is about. I was never contacted about any debt that I owed. 
The attorney that I have been trying to reach that was provided by Wells Fargo is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Case NO : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account ending in # XXXX was closed w/ XXXX balance in XX/XX/XXXX with Bank of America credit card . I closed my email account with XXXX and destroyed the said credit card. I received emails stating that I owed a balance on my new email account with XXXX. I tried to respond but the email from BOA was returned undeliverable. I finally received a bill from BOA to my physical address om XX/XX/XXXX stating that I owed BOA {$9.00} in overdue payment. I mailed a check for that amount that same day. Today, XX/XX/XXXX I received my dispute report from XXXX  XXXX   stating that I am overdue in payments to BOA and the fee is now {$10.00}. This dispute could have been resolved in XX/XX/XXXX if BOA would have sent a bill to my physical address instead of online.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer to the attached XXXX report, page 3 of 4, indicating the deletion of XXXX XXXX, # XXXX has been deleted and XXXX XXXX, # XXXX is not appearing on XXXX, though XXXX  has the wrong number which should be # XXXX, refer to XXXX dispute letter. I have placed an asterisks near these accounts. I have submitted multiple dispute letters outlining the above on XXXX, XXXX, XXXX with no response to date. This is three 30 day violations in addition to the other FCRA violations. 

No mortgage only appears on just XXXX, so XXXX  and TransUnion are in direct violation for not deleting this account in addition to illegally ignoring the attached ID THEFT POLICE REPORT sent to them on XXXX. That dispute letter was sent certified mail, refer to attached postal certified mail receipt. 

Please refer to the attached XXXX  report, 2nd attached XXXX  document, indicating the sentence, The disputed item is not currently reporting on the XXXX credit file. Public Record : Bankruptcy : XXXX. Any public record item would appear on XXXX, TransUnion and XXXX, XXXX  did a proper investigation and determined that this Bankruptcy XXXX was not appearing in their database. 
XXXX stated that a second Bankruptcy, # XXXX is not appearing in their database, but XXXX  and TransUnion continue violating the FCRA guidelines by continuing to ignore this evidence and the ID THEFT POLICE report. 
There can not be a discrepancy on information between the credit bureaus. Please delete immediately to avoid litigation.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I was selling furniture on XXXX XXXX. A potential buyer made an offer and wanted to pay by XXXX. They said they sent {$300.00} but I didn't receive it. I received an e-mail that said that the buyer needed to send another {$300.00} ( which I would refund ) in order to receive the money. They showed an e-mail that said they had done this. So, I sent {$300.00} from my checking account. I received another e-mail saying I needed to upgrade to a business account with {$700.00}. I sent that to another address from my XXXX account. Then I received another e-mail that I wouldn't receive the initial {$300.00} unless I sent {$2000.00}. I stopped and reported this to my bank, Bank of America.
Product: Checking or savings account

This company Chime is and has been holding consumers funds on holidays and blaming payroll companies for years. Ive talked to many people whove experienced this, and had my own experience with them delaying my direct deposit when it is most vital, while other banks like XXXX XXXX XXXX XXXX XXXX XXXX wont delay the deposit. There is no reason to do this, other than to extract value from our money while it sits. This needs to be investigated in its entirety.
Product: Credit reporting or other personal consumer reports

I have called the reporting agencies and let them know there was so many things wrong with my report like First off the accounts included below are not supposed to be visible on my consumer report.

I have recently been denied employment and also denied financial assistance due to these companies reporting accounts without my written consent. This has caused me great hardship and I believe this is against my Federal rights.

This is Aggravated Identity Theft 18 U.S Code 1028A and I demand this be deleted from my report in 5 days.

Under 15 US code 1681e ( b ) and 15 US code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate.
Product: Vehicle loan or lease

I applied for and was approved for an auto refinance through Capital One in XXXX. My first payment was due XX/XX/2019. I signed up for autopay using my checking account. My payment came out as planned in the amount that was supposed to come out. I received an email from Capital One confirming my payment had been made and credited to my account. Then, I received another email saying that my account requires attention. I logged onto my account and it says that I am past due. I called Capital One and they have opened 2 duplicate accounts for the same vehicle in my name with two different payments without my knowledge. I sat on the phone for over an hour and spoke to three different representatives before the third one mysteriously just came back after leaving me on hold for several minutes and said her system was down, that she couldn't help me, and to call back later. My credit score went down 10 points because my report shows that I took out 2 consumer loans and the second fraudulent loan opened without my authorization by Capital One is past due, but I can't get them to help me because their systems keep mysteriously going down when I try to have the second account deleted.
Product: Bank account or service

I have a checking account with State Farm Bank that earns interest on the balance in my account. I pay checks with their online checking service. Some payees, like a utility company, are sent their checks electronically. Other payees get their checks by US mail. On the day that State Farm sends the check, either electronically or by mail, my account is debited. This procedure is unfair because the checks sent by mail may not be received by the payee for several days and the payee may not deposit the check in their account for credit for many more days. This means State Farm has used my money for a lengthy period of time between the debit to my account and the credit to the payees ' account and I have lost interest during that period.
Product: Checking or savings account

Re Truist Bank XXXX XXXX, XXXX On XX/XX/XXXX, I deposited a cashiers check in the amount of {$5000.00} at a Truist Bank branch in XXXX, VA. I asked the teller when the funds would be available to me and she said in a day or two. Two days later, XX/XX/XXXX, I checked my account online and it stated that the {$5000.00} was included in my Available Balance. 

I then paid some bills and withdrew {$1500.00}. Later that day I was shocked to see a Return Deposit Item showing the {$5000.00} had been deducted from my account, leaving a negative balance. I since discovered Truist didn't realize the cashier 's check was counterfeit until after they listed the amount in my Available Balance. That meant I not only lost {$1500.00} but also accrued overdraft fees in the amount of {$100.00} related to bills I had paid. 

My bill paying and cash withdrawal on XX/XX/XXXX, were made in good faith based on the assurances from the teller and Truist 's online banking information ( see attached documents ) that explain the deposit process and available balance. Any customer would have a reasonable expectation that such plain language would be true and accurate and could be relied upon. Well, they would be mistaken, as I was. Simply put, they are neither true nor accurate. In fact, they are unreliable since they are deceptive, dishonest, false, and fraudulent. In other words, lies.
Product: Credit card

On XX/XX/XXXX I received an statement from ally credit card XXXX XXXX XXXX XXXX Texas XXXX stating that I own XXXX which was charge on XX/XX/XXXX from a company XXXX XXXX XXXX  XXXX XXXX XXXX fl. I never applied for the card and I dont know the merchant. I call ally they were very helpful I report fraud they inform me they are going to sent me some papers that I need to sent back and told me to file a police report which I already did but the police ask me if the credit card was open online or in person which I dont know that information. Anyways the report has been filed and now I would freeze my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX - XXXX XXXX XXXX, XX/XX/XXXX - XXXX XXXX XXXX XXXX  XX/XX/XXXX - ( Original Creditor : ) added a derogatory mark on my credit report per Experian, XXXX, and XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor : ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XX/XX/2023, letting them know I am a victim of identity theft and that 2 accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the second letter to them on XX/XX/2023, letting them know that I know they have 30 days to verify the disputed accounts and that I haven't heard from them yet. 

I sent the third letter to them on XX/XX/2023, letting them know that I still have not heard from them and that further action would be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I am sending the fourth letter on XX/XX/2023, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I will inform them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them.

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm if they have done a single thing to protect me and my credit.
Product: Credit card or prepaid card

I have been receiving unemployment benefits but unable to aces my money due to u.s. reliacard bank licking my account. They locked it the first time in early XXXX and asked me to fax documents with proof of address in which I sent 6 pages of verification by fax and they unlocked my account so I asked for a card to be expedited because I had never received the first one and they let me pay the {$15.00} fee only to expedite the card in 2 days to be locked again. I immediately called again when I was unable to activate and they said another lock due to address was put on so I faxed again all of the verification pages for the second time and now I have been waiting almost a month and have also scanned my if and sent via online to them also with my address on it. I really am hoping someone can help me just get my account unlocked so I can use my funds to pay my bills. Thank you so much!
Product: Credit reporting or other personal consumer reports

I checked my credit report and saw I had 3 late payments on 3 different accounts on all 3 of my credit reports. Upon checking with the creditors XXXX XXXX XXXX XXXX XXXXXXXX, I saw that I did make the payments. Once I downloaded the 3 statements proving I made the payments and it was within the 30-day time frame, I submitted the dispute and the statements showing the payment. I submitted it on XXXX and it was " completed '' on XXXX. then I called and when the agents I spoke to weren't able to give me any information about the investigation they said they could resubmit and I could upload the documents again. I submitted it on XXXX and then again it was " completed '' on XXXX and the late payments were not removed. not only were they not removed but I again could not get any new information about how it was completed so fast.
Product: Vehicle loan or lease

XX/XX/22 My previous complaint ( # XXXX ) against Santander Consumer USA was closed after company responded. The Issue was not ameliorated, instead they continued their unlawful activity and further violated my rights as a consumer in this great corporation. ( United States ) They have yet to provide proper debt verification as I requested after their first correspondence ( debt verification should be signed under perjury by account and notarized and that was not done ) I sent Santander an Affidavit of Truth XXXX clearly stating all FDCPA violations made against me. Unrebutted affidavit stands as truth in commerce which means i am owed {$1000.00} per violation. I sent my invoice at the time for those violations to which they sent the same automated response they have been sending since day one. 
XX/XX/22 Santander changed the reporting to the credit agencies as a charge off ( which is taxable income ) and should not be reporting on my consumer report. 
After writing the alleged debt off as a tax write off ( income ) Santander sent their goons ( all XXXX no decals, also informed me he was carrying a XXXX ) to trespass at XXXX XXXX  to try and steal my vehicle. 
Before he left he also informed me that im not going to win against Santander " they have too much money '' and threatend that they will be back again. 
It feels like im up against the XXXX. 
*******Racketeering Influenced And Corrupt Organizations Act********* XXXX They sent a different tow company XXXX XXXX XXXX XXXX who also said he was carrying a XXXX ) to come and try to steal my vehicle while my wife was home alone with the children. He stated ( we will have it for another 15-20 days then it will be sent to anther tow company.

*******Racketeering Influenced And Corrupt Organizations Act********* IF 12 USC 1431 ( a ) states that " banks shall have power, subject to BORROW and give security therefor and to pay interest thereon, to issue debentures, bonds, or other obligations '' AND 15 USC 1605 defines Finance Charge as " the sum of all charges '' why does Santander Consumer USA continue to flex their big corporate muscles and intimidate me as the consumer with extortionate measures to collect something that they were already credited for? 

*******Racketeering Influenced And Corrupt Organizations Act********* Page 11-12 on Santanders previous response are the only pages with their names and you can very quickly notice THEY FORGED MY SIGNATURE. 

*******Racketeering Influenced And Corrupt Organizations Act***XXXX I signed a CONSUMER credit contract ( simple finance charge ) with dealership as the seller and myself as the buyer. 
As i stated on my first response to Santander I have no contractual agreement with this 3rd party interloper and they have yet to prove the contrary. 

I have exhausted ALL means outside of the courts. IRS is working on the audit as we speak. This is one last attempt to stay in honor and good faith before I take legal action.
Product: Credit card

Account number on statement postmarked XX/XX/2023 reflects account ending XXXX while both I and XXXX have on file account ending XXXX. As I attempt to settle this account I have received numerous notifications that there is still activity on this account. XXXX does not work to verify account in automated phone system while XXXX does. Bank of America will not grant me access to online portal. Very fishy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looked at my credit report today saw fraudulent inquiries. One from XXXX/XXXX  second from XXXX. Both was not my doing. I am a victim of identity theft. These inquiries was done by me or to my knowledge. These need to come off. Also under collections they have an account from XXXX XXXX XXXX This is not my account. This account was not opened by me this is not mine. Its fraud!
Product: Debt collection

I received a Bill from XXXX XXXX ( XXXX XXXX XXXX ) in the amount of {$210.00} and PAID this Bill in Full on XX/XX/2022 via my XXXX Bank Electronic Bill Pay Service. 

I later received Correspondence from Professional Finance Company, a Debt Collection Agency, for this very same Bill. 

I contacted XXXX, who would not address this Issue with me and was referred back to the Debt Collection Agency. 

I have provided Professional Finance Company, XXXX ( XXXX ) Separate Proof of Payment Documents from XXXX Bank, which Professional Finance informs me that XXXX will Not Accept as Proof of Payment. 

I have PAID this Bill. My Bank has Confirmed that the Transaction was Processed/Paid, however, XXXX and Professional Finance Continue to Refuse to Acknowledge Payment. 

XXXX states that they do not show the Payment Transaction in Their System. 
XXXX Bank shows the Payment Transaction as Processed/Paid to XXXX. 

I need help in resolving this Dispute in Collecting a Debt that I have already paid. 

Your Assistance in helping me to resolve this matter is greatly appreciated. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX You are in Direct Violation of The Fair Credit Reporting Act ( capital one XXXX ) has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

16 U, S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A cradllor may not treat a payment on a crodit card account under an open-end consumer credit plan as late for any purposo.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting erroneous late 's on my account. I recently checked my credit file and noticed these delinquent notations. My payments were on auto draft and i'm not sure why these are being reported. I never received a letter, notice, or phone call about the late payments. This is a mistake made by the bank, I have never been late on this account. I would like the late 's to be removed.