23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX, PNC Bank, and XXXX XXXX  for their mishandling of my personal and business information, including illegal reporting, failure to validate debts, unauthorized communication, and improper collection practices. Despite disputes, these entities have continued collection and communication efforts without providing the legally required documentation. 

1. Failure to Validate Debts The named banks failed to validate debts they are attempting to collect or report. Despite my requests, they have not provided proper documentation, including : Wet-ink signatures proving authorization ( e-signatures are invalid ).

IP address logs showing where applications were submitted.

Forward flow agreements or proof of ownership for charged-off debts.

Chain of title for debts sold or transferred to third parties.

Violations : FDCPA, 15 U.S.C. 1692g ( b ) : Requires debt collectors to cease collection until validation is provided.

FCRA, 15 U.S.C. 1681s-2 ( b ) : Obligation to verify disputed debts before reporting. 
2. Illegal Reporting to Credit Reporting Agencies These banks reported unvalidated and fraudulent debts to XXXX, XXXX, and XXXX despite disputes and clear evidence of identity theft. This illegal reporting continues to harm my credit profile. 

Violations : FCRA, 15 U.S.C. 1681e ( b ) : Requires maximum possible accuracy in credit reporting.

15 U.S.C. 1681c-2 : Duty to block fraudulent information after notice of identity theft. 
3. Unauthorized Communication The banks continued to contact me directly and report to CRAs without permission, despite disputes and cease-and-desist requests. These actions constitute harassment and unauthorized use of my information.

Violations : FDCPA, 15 U.S.C. 1692c ( a ) : Prohibits unauthorized communication with consumers.

TCPA, 47 U.S.C. 227 : Restricts unauthorized phone calls or messages.

4. Improper Investigation Practices Despite my disputes, these banks failed to conduct reasonable investigations, ignoring my requests for validation and refusing to provide transparency into their investigation tactics. 

Violations : FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) : Duty to reinvestigate disputed information.

CFPA, 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) : Prohibits deceptive or unfair practices.

5. Data Breach and Mishandling Concerns The fraudulent activity associated with these accounts may be tied to data breaches involving XXXX, XXXX, XXXX XXXXt, and XXXX XXXX XXXX, raising concerns about how these banks handle consumer information. 

Violations : CFPA, 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) : Obligation to safeguard consumer data.

FCRA, 15 U.S.C. 1681e ( a ) : Requirement to prevent unauthorized access to credit information.

6. Failure to Comply with Moore v. Alliant Credit Union The banks have not demonstrated that debts are not connected to fiat currency or speculative value, as highlighted in Moore v. Alliant Credit Union. Without this validation, these debts can not be enforced. 

Violations : FCRA and related equity principles requiring full disclosure of debt origin and legitimacy.
Product: Credit reporting or other personal consumer reports

I noticed an inquiry on my report that I do not recognize. Please send me all info you have regarding this pull, including the reasoning for why my credit was pulled. thank you
Product: Debt collection

On XX/XX/2024 I spoke with a woman who called from number XXXX ( XXXX ) XXXX trying to stop by my house to serve papers. I asked what it was for and she said express recovery and I told her I hadnt received anything and wanted to know what the debt was for. I provided my address and informed her I had not received any notices of a lawsuit or any information on debt being owed. Then I asked if she wanted to bring the documents she had to my new address and she said shed need to talk to her boss because there are legal notices that I would of need to receive and she wasnt sure what to do. I told her again I hadnt received anything and would like those legal notices to be sent to my new address before any lawsuit is filed against me because Id like to pay it. Which this did not happened. On XX/XX/2024, I received papers for a lawsuit on the debt which I was confused about saying there was {$160.00} owed and interest. I thinking they legal had to send notices before any lawsuit would be actually filed, so I immediately paid it since I had the information I need, who and what the debt was for and I paid the money. Thats all I needed to make the payment. i emailed the payment receipts to the email provided immediately. On XX/XX/XXXX I opened a letter sent to me notifying me a default judgement had been granted and owed now {$480.00} more for a debt paid and had never received any notices a judgement was being considered. I feel violated and taken advantage of. How could this happen? All I did was move and didnt realize I was a perfect one to take advantage of. Now, I have a {$480.00} judgement owed to an attorney for fees and filing. Yet, I never received the legal notice required of the attorney to file the lawsuit.
Product: Mortgage

What caused me to get behind on my mortgage payments was you HOME POINT FINANCIAL never allowed me to make or would receive my trail payments, see attachment dated : XX/XX/2020, and BLOCKED me from any online access even to this date. 

I dont get it I am a US Veteran of the XXXX XXXX, XXXX XXXX XXXX XXXX ) Honorably Discharge with XXXX, married with XXXX children ( XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX ) to care for. My income is stable I am more than capable of making my mortgage payments. 

I am resubmitting another Mortgage Assistance Application and compelled to file a Complaint to Consumer Financial Protection Bureau and/or to the Veteran Affairs on my VA mortgage loan to resolve this matter with all my correspondences that you ignored in order to reconcile your error of an approved loan modification. 

DO YOU TREAT ALL U.S. VETERANS THIS WAY?
Product: Money transfer, virtual currency, or money service

Kraken 's transfer to a FRAUD SCAM Brokers : XXXX XXXX  I would like to bring your attention to a serious issue I have with Kraken wires that first took place on XXXX of XX/XX/2019. 
I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX - the Company. 
The funds were transferred utilizing Kraken 's services in the total amount of XXXX EUR! 
I would also like to point out that on XXXX of XX/XX/2019 - I filed a dispute with Kraken.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed XXXX fraudulent inquiries listed. Please remove these inquiries immediately, as they are negatively impacting my ability to obtain credit and maintain my security clearance. 

XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE FRAUDULANT INQUIRIES IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$1600.00}, XXXXXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1300.00}, XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$1200.00}, XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1000.00}, XXXX XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$960.00}, XXXX XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$940.00}, XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$670.00}, XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$530.00}, XXXX XXXX bank XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$29.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXeral fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the ongoing verification of inaccurate information on my credit report. Despite my previous disputes, the following details remain incorrect : 1.Date of Last Activity 2. Date Opened 3.Last Reported Date The dates listed are inaccurate and do not reflect the true status of my accounts. I am deeply concerned about how you have verified this information. 

I request a thorough investigation into these discrepancies, and I expect that the inaccurate information be corrected immediately. Please provide me with a detailed explanation of your verification process and how you concluded that these dates were accurate. 

As per the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that all information in my credit report is accurate and up-to-date. Continuously verifying incorrect data not only violates my rights but also damages my creditworthiness. 

Thank you for your prompt attention to this matter. I expect to hear from you soon with confirmation that the necessary corrections have been made.
Product: Debt collection

Spring Oaks Capital LLC has reported a debt collection on my credit report. I have never heard of this company. This company has a debt in their office claiming that I am liable for this debt and the original creditor is XXXX XXXX XXXX XXXX. I have never heard of any of these companies. I am concerned where both companies have received my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint from XXXX XXXX against Valley Collection Services for Valley Collection Services failure to provide requested information for the debt alleged. On XXXX XXXX, 2017, consumer ( through legal counsel ) responded to the reporting on his credit report from Valley Collection Services with a written explanation and request for removal from his credit report.
It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation or removal makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Student loan

My income driven payments were increased in fall XXXX. I tried to apply to a program with lower payments, but was instead given a higher income driven payment. Despite the application online which stated that I would be placed on the plan with the lowest monthly payment. In XX/XX/XXXX, there was still uncertainty about my amount due. As such, I paid the amount on the bill, And rounded up by four cents To make an even amount. In XX/XX/XXXX, I paid the amount that the automated system said was due. I was later told that I was past due four cents. I asked why and how to pay the four cents, but was never given info. A month or so later, I was finally told the payment was short, because the automated system was incorrect because I had rounded up the previous month. I was never Told not to round up payments. I also relied on the information they provided me in XX/XX/XXXX. Im now being told my payment wont count for Public Service forgiveness because of the four cents. I was told by an ombuds I cant ever round up for PSLF payments by an ombuds. I was also told this happens often and that their automated system is often incorrect. I was told the department of education must now make an exception to count my payment for that month, but they do not ever do so.
Product: Debt collection

Hello, My name is XXXX XXXX XXXX and I've got a notification from XXXX saying that I have a collection item on XX/XX/2022 so I contacted a collection company called " SOUTHWEST CREDIT SYSTEMS '' immediatelyto determine what's going on. 

When I called them, They didn't supply me enough aboutandkeep telling me that XXXX like to pay and what type of payment am I paying so I told that person that I want to know what kind of collection that I have and They told me you have unpaid account from XXXX so I told them I never had a XXXX XXXX before and they told me maybe a XXXX Account which I never had a XXXX account in my XXXX but they seemed don't care about my situation and even threatened that If i don't pay they are going to keep updating my credit. 

I would like to make a statement with my collection item from SOUTHWEST CREDIT SYSTEMS which is I strongly believe that this information is inaccurate. I've been using cell phone service from XXXX XXXX XXXX over XXXX  years and I never had service with XXXX or XXXX. So I called XXXX and XXXX and now they are merging so I spoke to XXXX XXXX and XXXX as well on XX/XX/2022 but they found informationbased on my social security number which is associated with a WRONG NAME. 

My Legal name is XXXX XXXX XXXX but it was associated with XXXX XXXX which is wrong information totally on theirsystem. Also XXXX XXXX willing to conference call with SOUTHWEST CREDIT SYSTEMS to verify that the information this company has is wrong and not affiliatewith mine but they said they don't want to conference call with XXXX agent and she hungup on me while me and XXXX agent was on the line and waiting. 

I strongly believe that this information is incorrect and I am requesting to start an investigation more deeply so that I will not be a victim of identity theft or misleading information. AlsoI have attached my Driver 's License front and rear and I am living in this address more than XXXX XXXX XXXX If anything is related to a different address it's possibly affiliated with Identity theft.
Product: Checking or savings account

On XX/XX/2023 I received 7 letters in the mail that my banking institution, Bank of America, would be closing my accounts ( 10 total : Personal, Student/Minor, Credit, Savings, and Business ). There was no reason given, only a XXXX # to call stating, " we're here if you have questions ''. After calling twice and selecting different prompts, there's only a recording stating they've made the decision to close my account and the decision can not be reversed. No live person took the call, no matter what prompt you select. I went into my local Branch and the Manager sat with me and could not believe they would close accounts without reason. He too called the XXXX # and got the same recording as I did. After calling a different number, he spoke with someone who told him she would look into it. After XXXX minutes, she told him the same thing the recording and letters said. With no reason given. As a longtime customer of BofA, with multiple accounts and all with good standing, I'm appalled at the lack of transparency. As a minority woman small business owner, I'm disheartened to be left in the dark. The emotional stress of trying to move my company assets, ensuring my guys and gals are paid in a timely manner, ensuring I'm able to receive money - this has been an emotional strain on not only myself, but my family as well. Although the letters state I have 21 days I logged in on XXXX to send my statements to my Accountant, and multiple accounts are no longer accessible. They're not even showing on my account. I've had to call and ask for them to mail me my statement. It's been 6 days and my accounts are already closing and disappearing?! I'm so far from understanding this.
Product: Credit card

XXXX5 USC 1861 section 602 A. States I have the right to privacy. Synovus Bank sold my private information to XXXX XXXX XXXX. Which therefore violated my right to privacy.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$7100.00} According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2020, I received an email from TransUnion inviting me to login and see my credit score. I tried to login with my username, and was told, invalid. Then I tried to login with my email address as my username. I was again told, Invalid Credentials : Please Try Again. I then clicked forgot login information, which took me to a screen asking me to provide my SS # and last name. Then when I clicked, what happened was, that same screen simply erased, as if I never input anything. So, I typed my SS # & last name again, and clicked continue. What happened was, the exact same thing - when I click continue, then screen simply erases, as if Ive never input my SS # and last name, and I get no other message. The problem is that i can not login to TransUnion. Additionally, for more than a year, TransUnion posts fraudulent information about me, inside the " Personal Information '' section of my TransUnion credit report. TransUnion  refuses to remove the ridiculous, false information, and refuses to provide information about who supplied them with the libelous, fake information. Also, when I previously unfroze my TransUnion report, potential lenders tell me that my credit report is frozen. TransUnion refuses to allow me to unfreeze my credit report and show it to selected lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1691 - Scope of prohibition- It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. Keyword : ANY I was discriminated against based off my credit report/reputation. Also Pursuant to 15 U.S. Code 1602 ( p ) - Definitions and rules of construction. The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. The credit card being my social security was used by Chase ( person ) and I the cardholder received no benefit. Chase has already confirmed through the mail that they in fact did deny me my right to credit. Chase shall pay fines for said violations including 15 U.S. Code 1681n - Civil liability for willful noncompliance. {$1000.00} per violation invoice will be sent by mail via USPS with a tracking number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX BankruptcyDate Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I canceled internet service with XXXX in XXXX of 2015 after a XXXX months of successive incorrect billing for service that even their customer retention department admitted was incorrectly billed too high and made adjustments to my account. Successive bills still had the improper billed amount so I canceled service. 

I received another bill from XXXX and was advised that I would get a final bill that would show any remaining balance or credit. 

I received a phone call from a debt collector on XXXX/XXXX/2015 regarding a past due amount to XXXX for {$45.00}. I disputed the charge and immediately went to my local XXXX office. The CSR girl said " No, you have a credit balance '' and was unable to print anything official, but did hand me a print out of her computer screen that shows a credit balance of {$110.00}. 

I then received a bill from XXXX also dated XXXX/XXXX/2015 that shows a completely different amount of NEGATIVE XXXX and " NO PAYMENT DUE ''. 

I then received a bill from Stellar Recovery XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, NC XXXX XXXX dated XXXX/XXXX/2015 for {$45.00}. 

After several calls to XXXX I got several promises for calls back to take care of the issue. I have almost an hour 's worth of audio recordings of these calls and never received a call back. 

Stellar Recovery states that they can not do anything and XXXX states that because it has been turned over to collections THEY ca n't do anything. I 'm stuck in the middle with nearly a XXXX point hit to my credit report and neither company will acknowledge my issue or assist in rectifying the situation. 

As of my conversations with XXXX today ( XXXX/XXXX/2015 ) their customer retention specialist " XXXX '' acknowledged that there was a balance I owed of {$5.00} BUT XXXX owes ME {$40.00}! 

Again, this is on my credit report, XXXX owes ME money, and no one is willing to correct the issue.