23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In my prior complaint XXXX I specifically mention a PERSONAL CHECKING ACCOUNT APPLICATION document including describing the machine markings on its face, all of which was transacted by the Branch Manager XXXX XXXX inside the locked branch center. 

In that prior complaint, the Truist response by XXXX XXXX amounts to falsehood, misrepresentation, and blatant lying. That same gibberish XXXX XXXX wrote twice previously. 

My complaint represents a very simple set of allegations -- - a crime involving an alleged forgery occurred. I applied for one account = PERSONAL CHECKING ACCOUNT APPLICATION was signed an TELLER SIGNATURE CARD was signed. 
-- - I learned about an unauthorized credit relation and raised objection at which point in time BRANCH MANAGER XXXX XXXX resisted any legitimate outcome so LIAR XXXX was engaged at the Truist Corporate Campus to write falsehoods and closed my complaint without resolving anything. XXXX XXXX refused to delete that fraudulently obtained credit relation from my credit report ; -- - I continued forward and objected to the continuing reporting of a fraudulently obtained credit relaiton. XXXX XXXX was forced to concede and eventually deleted that fraudulently obtained credit relation from my credit report ; -- - I continued forward demanding a copy of all documents and things whereupon XXXX XXXX spent the first 3-months withholding all documents and then eventually produced two documents consisting of an unathorized OVERDRAFT PROTECTION document I have never authorized nor did i sign that document. It appears to be some type of trace / forgery crime to achieve a credit relation I expressly declined at point of sale ; -- - Each step of the way XXXX  XXXX concocts false narrative and continues to parrot those same XXXX  over and over and over without legitimate basis in fact or in law ; -- - Despite contact with numerous Truist branch locations no one is empowered to open a PERSONAL CHECKING ACCOUNT unless the consumer signs and agrees to all terms and conditions set forth on that PERSONAL CHECKING ACCOUNT APPLICATION. According to XXXX  XXXX -- - there is no such document but that document does exist and proof is available to CFPB by suppoena XXXX XXXX and examination under oath against a senior Regulatory Compliance Officer is not going to risk their career, marriage, home, and reputation to support XXXX  XXXX. 
The Truist Corporate Campus has redundancy of their data backups offsite under the control of third-parties in shock proof climate control facilities. 

CFPB shall demand that document proof and prosecute the fraudsters, forgers, and cover-up liars.
Product: Debt collection

I just recieved this letter from XXXX XXXX XXXX which is talking about an account with XXXX, XXXX now with Cavalry SPV I , LLC. I already informed XXXX of this account, that it was as a result of ID Theft and they stated to contact the collection agency it's " sold '' to and I have been unable to reach anyone there.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, never gave ( XXXX, Experian, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
As a consumer, I am demanding a deletion of the following account : XXXX XXXX XXXX, Acct # XXXX, Paid in Full and Closed XX/XX/2023 please remove this account off my report I did not give permission for this to be put on my report or stay on my report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Act, this creditor has violated my rights under 15USC.1681 section 602 states I have the right to privacy. 15USC. 1682 section 604A section ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC. 1666B A creditor may not treat a payment on a creditor card account under an open and consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I am unaware of the amount due and your bill does not include a detailed breakdown of any fees. 
Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability & Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization or delete account from my profile immediately
Product: Debt collection

I was reviewing my XXXX credit report that's when I noticed a collection for {$1300.00} from XXXX XXXX XXXX XXXX in which it was turned over to Retail Merchants Ass from XX/XX/XXXX during Pandemic. I remember going in XXXX XX/XX/XXXX from my job but was supposed to have been paid by insurance company. I have a XXXX XXXX XXXX and secondary XXXX XXXX i do not receive bills at all
Product: Debt collection

I received a letter today XX/XX/2021 from IC System where they claimed I owed {$45.00} to XXXX. I've checked my XXXX account and there's no {$45.00} DUE. I verified that by contacting XXXX and they verified that there was no such amount due. My XXXX monthly bill is paid automatically. I checked all those payments and none of them failed to process OK. 
The letter from IC System has the following address of XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. There web address is www.icsystem.comXXXX. When I tried that link, my browser timed out. So I wasn't able to connect. 
This letter has a payment return address of XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. Note the difference in the XXXXox address for the company mailing address ( XXXX ) and the return payment address ( XXXX )! They may have made a mistake on the company mailing XXXX. XXXX number. 
All my research points to this letter being a SCAM. I've contacted XXXX to advise that they warn their customers of this SCAM.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I am requesting that certain inquiries be blocked and deleted from my credit report under the provisions of 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ). These inquiries are the result of unauthorized activity and should not appear on my credit report. 
The following inquiry should be blocked and deleted : Inquiries : XXXX. XXXX XXXX XXXX o Date : XX/XX/year>
Product: Checking or savings account

I received unemployment benefits thru XXXX XXXXXXXX XXXX XXXX .and I received my payments thru US Bank.for past 2 half months I been having issues US Bank has put hold on my AtM card because I was asked to provide my identity. Which is impossible .after I explain to the customer service representative .due to all my documents were burn in house fire Back XXXX XXXX .I 'm a Permanent Resident since was 5 yrs old my is my social everything was burned including my other phone I have send. US bank a photo of my Identity I'd card that was given to my by XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXXThey refuse.to accept it .I tried a lot times to get my money from bank .they refuce to close the account which it was open thru XXXXXXXX I have received .nothing but negative results from US Bank .I had to change my account thru my bank I used in past 5 yrs ..US Bank still holding my money all i ask for my money in check or lift hold that has in my AtM CC card
Product: Debt collection

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite previous requests, items still remain on my credit report in violation of Federal Law. I filed a police report and FTC Report ( enclosed ). You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 

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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX  Balance {$1100.00} ; XXXX XXXX XXXX  ( Original Creditor Name : XXXX XXXX ) XXXX  Balance {$950.00} ; XXXX XXXX XXXX Balance {$2200.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX.
Product: Mortgage

Back in XXXX of 2018, I applied for a home loan with BBVA Compass,  when my income was three times less than it is now, and I got approved, but we were not able to close due to some FHA stipulation on gifted money. I was told by Manager XXXX XXXX, that in six months I could get the loan. I recently re-applied for the home loan with again, but this time I got deny, although my credit is XXXX and my income is much 3 times higher, I still got deny. The loan officer XXXX XXXX said the reason was because on my taxes the financed property does reflect as my primary residence. I asked to have the loan re-processed as an investment property instead, but I have not heard from anyone on the matter. The loan officer said she will re-summit the application as an investment property, but I have inquired on the status by emailing my loan officer on multiple emails, but she has not updated me with any information ; whether the application is being reviewed or no. I have also tried to reach out to the loan department manager XXXX XXXX on many many occasions, but he has not been professional enough to acknowledge my calls or have someone else follow up. I dont know what to think about BBVA and  how inconsistent this bank is regarding costumer communication. Two days ago I called and spoke to a XXXX XXXX and she sworn to me that she was going get more information on the matter, and that she will get back with me herself or someone else, again, no communication. I havent heard from her or anyone. This bank lacks communication quality and has a very poor customer relations. 

Loan application number is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are ( 2 ) collection appearing on my credit report by LVNV Funding. One seems to be from XXXX XXXX and another for. XXXX XXXX I am not sure how the XXXX XXXX appeared again as it was disputed before and removed. These accounts do not belong to me. The address that they are reporting to the credit bureaus does not match mine ( its missing XXXX XXXX XXXX ) on both. My identity was stolen and this could possibly be apart of that. Ive submitted documentation previously to support that and it still has not been removed. Ive also requested the contract, a copy of my ID, and address verification that this company is using to support the verification they are providing the credit bureaus. I have not signed and or submitted either of these items to the businesses so I am not sure how they are verifying its me. These items needs to be removed from my credit report immediately. I am very frustrated! This has impacted my credit greatly. 

Please remove, Thank you
Product: Student loan

I am enrolled in the Public Service Loan Forgiveness program, and my loans are serviced by XXXX XXXX. 

I have a XX/XX/XXXX letter indicating that for the months between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX says I made 5 qualifying payments for some loan sequences, and 9 for the rest. However, I have a XX/XX/XXXX letter from XXXX XXXX stating previously that I had made 10 payments over that time period for each loan sequence. 

In addition, between XX/XX/XXXX and XX/XX/XXXX, in the XX/XX/XXXX letter,  XXXX XXXX says that I made 5 qualifying payments for all loan sequences over that time period. In fact, I made 12 qualifying payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian about deleting inaccurate information on my consumer report on XX/XX/2022 with a letter via certified mail along with a copy my id, they have failed to do so. Experian is in violation of my federally protected rights as a consumer. 
Pursuant to 15 USC 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued function of the banking system.

Experian has failed to properly investigate this information that they are inaccurately reporting, when in fact they are to exercise their grave responsibilities with fairness, impartiality, and respect for consumers rights to privacy, which they failed to do so.

Pursuant to 15 USC 1681b ( 2 ) any consumer reporting agency may furnish consumer report under the following circumstances : In accordance with the written instructions of the consumer to whom it relate, I have not sent Experian written instruction to furnish this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

A checking account with Truist Bank was opened last year. This was disputed ( Case XXXX ) and closed. There is still a personal loan open on my credit report with Truist Bank from XX/XX/22 {$9900.00} account balance. Account number XXXX ( last 4 dont show on XXXX credit report ) This is another identity theft issue left unresolved for over 8 months.
Product: Checking or savings account

I checked my account, as I do every day. I saw that the account was overdrawn so I attempted to deposit a check via the mobile app, but it would not allow me to get online. I tried the app on my phone, my husbands phone and, worrying that it was a problem with XXXX  phones, had my daughter load it onto her XXXX. I could not access the app from anywhere. I immediately contacted the bank because I did not want to get a late fee simply because their app wasn't working. However, I was charged a bounce fee anyway. I asked that the fee be reversed and they refused. I use the app because it is often difficult to get into the branch. They provide the app as a convenience that I took advantage of. The fact that THEIR APP was not functioning correctly is the SOLE REASON the funds were not in the account.
Product: Checking or savings account

According to the last complaint, why did I get a claim of {$300.00}? This amount is exactly the amount in my {$4900.00}! Why claim one of them? Please explainXXXX  I have evidence to prove that it was consumed at the same time and place.
Product: Money transfer, virtual currency, or money service

XX/XX/2020-XXXX XXXX XXXX XXXX XXXX approached me to see if I was interested in purchasing a home in the New York area because I had been wanting to invest some money on purchasing rental property for a monthly income since I had retired. I responded and told him yes, what did he have and how much. I told him to send me the info on the property that I could purchase so I could look it up on the internet. He said it would cost me {$2700.00}. A woman he was working with stated that they were selling these properties because of a special government grant for foreclose homes and there was an abundance of them and they could be purchased for a very low price. Two had already been sold so if I was interested I needed to hurry with the money before they were all gone. 
XX/XX/2020-XXXX XXXX XXXX  XXXX texted XXXX XXXX XXXX the following message : 'I found XXXX mother a house its {$2600.00} though in XXXX 4 bed 2 bath. '' She sent:XXXX XXXX - " https : XXXX '' ; XXXX XXXX. - '' this is a different one. The other one sold. XXXX XXXX '' You gon na want to get the other property? '' Monday, XX/XX/2020 XXXXXXXX XXXX - " Hey were you able to get the money everything is done just got ta wait for the paperwork that's gon na b mail to you. '' XXXX XXXX.- " I stated Ok, thank you. '' Tuesday, XX/XX/2020 XXXX XXXX. - " Routing XXXX, Account XXXX, XXXX XXXX, XXXX XXXX, NY XXXX '' ; XXXX XXXX - '' XXXX  XXXX ''. at XXXXXXXX XXXX. I ask What Bank is this going to, please? XXXX Also, what is the amount? XXXX XXXX- '' {$2700.00} '' I said OK. " HSBC '' XXXX XXXX - I ask did she get the picture and address? XXXX XXXX -XXXX answered, " She getting it for me now. '' XXXX XXXX " Is this the address of the bank? response : XXXX XXXX - '' No, hers ''. I told XXXX XXXX ; XXXX XXXX - I needed the bank address for my bank to send the wire to??? '' He gave it to me. XXXX XXXX. I told him the money was on it way. I pray this is all legit ; I am nervous because I do not know anyone, very nervous. XXXX XXXX said don't be ; she is gon na send me a contract stating that if anything goes wrong she would refund me the money with no problem. She gon na send me a contract. Then I asked him to ask her since it was a federal program and the purchase was so low did she know if they had this program here in XXXX that I could look into. He stated she was going to find out right now and would email me everything. She also sent a house in XXXX XXXX in XXXX XXXX, PA XXXX with a potential profit of {$38000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

LoanDepot has inaccurately reported my having paid my home loan late. 
I would like to get Loan Depot or the appropriate entity to correct this reporting with my credit agencies. 

As background, I refinanced my home loan through Loan Depot in XX/XX/2020. In more than a decade prior to refinancing, I had never been late for a loan payment. 

With the refinancing, I set up an automatic electronic transfer from my bank account to loan depot for payment every month. At first, this worked seamlessly. 

In XXXX, I was notified that my XXXX and XXXX payments were overdue. I contacted my bank, which indicated that the payments were made on time -- one on XX/XX/XXXX and the second on XX/XX/XXXX. Nonetheless, on XX/XX/XXXX, I made another payment for the amount of both months combined to ensure they were paid. 

Later in XXXX, Loan Depot again notified me about the two overdue payments -- for XXXX and XXXX. I again called my bank, which indicated that the payments ( the first two and again the follow-up third ) were made. I contacted Loan Depot, which indicated that the money may have been returned to me. 

I then made the payments with a written check, rather than by electronic transfer. 

Attached are letters from my bank, XXXX, indicating that the payments were made to Loan Depot in a timely fashion prior to XXXX and XXXX, and then again the third payment to pay an additional time, all by electronic transfer. 

I'd like to get my credit report cleared up. I understand that I've been reported to credit agencies as having made delinquent payments. Can you please remove this credit complaint from my records at Loan Depot and with the credit agencies. 

Please have someone contact me to discuss and let me know if you need any further information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is regarding account I.C. Systems Inc, which you claim this is my debt. This is formal notice that your claim is disputed. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information in herby requested. 
Additionally, please provide name, address and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communication with you for the purpose of filling a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of my alleged contract or other instrument bearing my signature may result in small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623- b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My Contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX P.S. Please be aware that dependent upon your response, I may be  detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organization below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX