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

XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All these reported wrong. I do not owe XXXX XXXX XXXX XXXX  and I want them removed/paid in full on my account. everything else needs updated as closed/removed.
Product: Mortgage

Court foreclosure case XXXX Bank forged a new FHA mortgage after we paid off our FHA mortgage. 
Attaching other complaint numbers. 
This is pleading into case to vacate summary judgment and go to trial. Or appeal case question of law. 
Can a bank used forged FHA mortgage documents to foreclose and take house? 
Law says no forged documents are not authority. Bank of America Countrywide mortgage already been caught see XXXX XXXX of forged mortgage note and assignment. Attaching the pleading to send to lender. Their lawyers quit when they read the consequences they face.
Product: Money transfer, virtual currency, or money service

I used XOOM, a money transfer service that is a division of XXXX. When I transferred some money to a family I was trying to help in XXXX they said the transaction was fine, and gave me a transaction number : XXXX. Then when the poor family went to collect to try and buy some groceries Xoom cancelled the transfer. When I e-mailed them they did not respond to it other than a generic robot reply. When I called them they blamed the bank in XXXX without giving any reason and they said they would send me an e-mail with a full explanation. They never sent an explanation. 

P.S. 
CFPB expects the " other person 's '' info as a " required field '' but does not take into consideration that the " other person '' in cases of international money transfers live in other countries. Please fix those data fields.
Product: Vehicle loan or lease

Hello. In XX/XX/2018 I paid off the entirety of the principal balance for my car loan. I have some lates fees that I couldnt afford to pay at The time and I was Told that this would not impact my credit. I saw I had a XXXX XXXX Balance so I immediately made a payment of XXXX XXXX to pay any principal Balance left and only leave any late charges. I noticed on my credit report that there was a XXXX day late from Wellsfargo dealer services. I spoke with them today on XX/XX/2018 and the told me that this will continue to report until they are paid off. This what was not what I was told and I need this removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Not Reported Collection/Chargeoff - Balance : {$220.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : - [ ] A copy of my credit report I received from your company. The fraudulent items are listed above. 
- [ ] Copies of my debt validation letters to XXXX, XXXX, and XXXX XXXXXXXX XXXX - [ ] A copy of my Identity Theft Report and proof of my identity. 
- [ ] A copy of my Social security Card - [ ] A copy of my Police Report - [ ] A copy of XXXX XXXX XXXX account validation response - [ ] A copy of XXXX  account validation response - [ ] A copy of XXXX XXXX  account validation letter from original creditor XXXX XXXX  validation response - [ ] A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX and TransUnion report an account that is over the statue of limitations. The XXXX XXXX XXXX the first time it was disputed they both sent in information indicating the account first became late in XX/XX/2011 then when additional information was requested, they started to report different dates the account was delinquent. Every response/report received has different information and it makes no sense. Also my mortgage with XXXX XXXX XXXX was modified under the govt relief act and part of that process is that they were not suppose to report late payments during the process yet the two bureaus are still reporting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the past several months I have been in contact with Transunion consumer reporting agency in regards to several fraudulent accounts reporting on my Transunion credit file. I also recently submitted a FTC identity theft report which included 5 of the accounts in question that were established through identity theft. I received a letter from Transunion stating that they refused to honor my dispute request by stating my request was made in error, and is a misrepresentation of material fact relevant to the request and or I have obtained possession of goods services or money as a result of the transaction issue. I find this automated response totally unacceptable and is clearly a violation of my consumer rights as well as the Fair Credit Reporting Act. Transunion has yet to send me proof of any documentation with my signature neither have they provided 100 % accurate verification as per the Fair Credit Reporting Act requires. I included a copy of my drivers license, social security card, and a utility bill along with my disputes along with a personal information update request to remove fraudulent addresses from my account. Transunion has yet to honor that request as well.
Product: Credit reporting or other personal consumer reports

I am in receipt of your letter claiming that I owe your company for a debt. According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated by you.I have not to date XX/XX/year>, received no proof that I owe your company any debt and I am requesting that you forward to me full and proper documentation as evidence of this alleged debt. & XXXX ; As per the FDCPA, it is a violation for any debt collector to pursue collection activity on an account without notifying the debtor in writing within 5 days after any communication. If you are unable to provide me with proper proof then you must stop attempting to collect this alleged debt. If you continue to claim I owe a debt that you can not confirm with proof then you will be in direct violation of the FDCPA. Additionally, any attempt on your part to report this alleged debt to my credit reports will be a violation of the Fair Credit Reporting Act.Please forward your documentation. Please note that proper documentation is not a print out or bill from you but rather actual proof of the debt 's existence.Please provide me with the following : -What the money you say I owe is for ; -Explain and show me how you calculated what you say I owe ; -Provide me with copies of any papers that show I agreed to pay what you say I owe ; -Provide a verification or copy of any judgment if applicable ; -Identify the original creditor ; -Prove the Statute of Limitations has not expired on this account ; -Show me that you are licensed to collect in my state ; and -Provide me with your license numbers and Registered Agent. 

If your offices have reported invalidated information to any of the three major Credit Bureau 's ( Equifax, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate to bring legal action against you for the following : -Violation of the Fair Credit Reporting Act -Violation of the Fair Debt Collection Practices Act -Defamation of Character If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. 

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Money transfer, virtual currency, or money service

Throughout a series of emails, I was asked to send a rent payment via XXXX to my landlord back on XX/XX/XXXX. My landlord is XXXX and XXXX ( 3rd round of XXXX ) and does not recall asking me to XXXX anything and she does not recognize the email address the money was sent to. 

XXXX told me the money was sent to someone in a different state and gave me their bank contact info. XXXX XXXX Bank, XXXX, and Bank of America have all given me the run around and have not cooperated in recouping these funds. Because I authorized the transfer, no one will listen to the very unique details of this situation. 

A previous conversation with a bank of america employee ( on XX/XX/XXXX or XXXX ) assured me that my money would be credited back to my account within 48 hours. Now bank of america has denied this was said, and have offered nothing more than " we will retrain this employee since he doesn't know our policies ''. 

Regardless if this is a scam or mistake, the recipient of these funds has pocketed them knowing full well the money was not intended for them.The recipient has also ignored all communications from banks, XXXX, and myself. Had I known that my landlord was not 100 % mentally and physically well, i would not have authorized this transfer. Essentially, this money was incorrectly sent to someone and this person has fraudulently pocketed the money. 

As a consumer, I have the right to be protected from scams, especially scams that involve my bank and my money. Banks have a responsibility to investigate claims and protect clients. I should be protected under the Electronic Fund Transfer Act, regardless of how Bank of Americs chooses to interpret the verbiage.
Product: Mortgage

In XXXX of XXXX I submitted to my Mortgage Servicer, XXXX, my letter from the VA granting 100 % XXXX rating, and an amended Property tax bill from the XXXX XXXX XXXX Treasurer, showing XXXX property taxes on my residence. From XX/XX/XXXX until XXXX of XXXX XXXX refused to correct my monthly Mortgage Statement, and misappropriated my Mortgage Payment to provide {$200.00} to the escrow account to pay nonexistant property taxes. In addition they then listed a late payment and posted non payment of Mortgage payment to the credit reporting agencies. XXXX tranferred mortgage servicing to XXXXllage Capital who has continued this same practice. Both Mortgage servicers continue these practices despite at least 50 calls to Customer Service and letters to their different complaint departments and legal offices. Village capital continues to send foreclosure notices and and other 'lossmit ' paperwork and refuses to conduct a back two year audit to fix the problem. 
I also identified violations of both under the XXXXXXXX XXXX statutes.
Product: Debt collection

XX/XX/2021 I received an Email from XXXX XXXX of Williams & Fudge , Inc . This notified me of a debt from a school I previously attended ( which hadn't explained this debt to me either when I asked about it previously either ), it said if I disputed it or requested validation from their office " in writing '' within 30 days, they would validate and send me something verifying the debt. I responded to the email the same day and asked for them to show me where the debt came from, as I don't understand how I owed the school or now this debt collector since I was told my loans were covering my school costs in total. 

The office has yet to respond to my email, I sent another email XX/XX/2021 when a collections was reported on my credit report, to ask where my " copy of judgment '' was that they said they'd send if I requested validation. I read online that I have a right to recieve documentation/documents that validate my debts within 30 days of requesting it. Haven't gotten it, and I want this debt written off since this company is violating my rights as a consumer. I dont know how to approach the company about this, as I figure they wouldn't be interested in admitting errors and writing away my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following unauthorized hard inquiries has placed a negative effect on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Bank of America took my application and pulled a credit report when I had not completed the application and was trying to contact them. I reached out multiple times and was promised call backs that did not occur. I was told they contacted me but they did not. There was finally a call back to my initiated call to them. The application was not complete and I should have had the option to call with more information ( which I had ) and to cancel the application if I chose to. It is not fair for them to pull a credit report with an incomplete application. I asked for the inquiry to be reversed and they said they can not and will not do that. I did not get a credit card, the reference number is XXXX
Product: Debt collection

Schwartz Vays continues to attempt collection on behalf of a property management company that is no longer governing my property. On XX/XX/2024 the management company that requested Schwartz Vays collection assistance was relieved of property management duties. I informed the Schwartz Vays representative, XXXX, that my payments would resume with the new management company upon XXXX payment to Schwartz Vays. XXXX requested proof of my payment to the new management company. Such was provided. On XX/XX/2024, Schwartz Vays reported that my dispute claim was denied and that I owed them payments for XXXX and XXXX, despite having provided proof of payment to the new HOA management company. I called to contest the challenge of dispute, speaking to XXXX. He reported that the dispute had already been denied and that the amount would continue to increase beyond {$800.00}, totaling {$1200.00}, where further action would then be taken. He advised that I pay whatever amount they requested. He reported that a previous complaint to CFBP did not favor my stance on the matter ; therefore, he advised that I pay Schwartz Vays to avoid greater financial inconveniences. XXXX, in XXXX, had more explicitly stated that a lien would be placed on my property with eviction authority if I did not resume payments with Schwartz Vays. I again forwarded, to Schwartz Vays, proof of payments made to the current company, reiterating the fact that previous direct payments to Schwartz Vays were each processed after 30 days, prompting a payment invoice to Schwartz Vays for the following month ( source of initial complaint ). It is for this reason that direct payments have continued with the current management company instead of Schwartz Vays, who is not collecting on behalf of the current management company. They have already exhausted their collection authority as it relates to a debt fulfilled to the former management company that they represented. Their current collection attempts and tactics are seemingly illegal, immoral and financially self-serving.
Product: Credit reporting, credit repair services, or other personal consumer reports

See previous complaint with CFPB XXXX My credit rating has dropped nearly 60 points due to erroneous or malicious errors on my credit profile. I had a complaint with First Progress Credit card, Who indicated they would have XXXX correct a significant drop in my credit score. As of today my score is XXXX as opposed to XXXX. XXXX must make this right immediately. My financial life has gone down hill due to this erroneous reporting. 

XXXX
Product: Checking or savings account

CapitalOne Bank is experience " technical issues '' resulting in no access to funds. My direct deposit has been confirmed with my employer and is fine on their end but has not been deposited in my account. When I try to access my account the app and website are down and the customer service number automatically hangs up when it states that it is transferring me to a representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX, XXXX XXXX XXXX consumer report, and i noticed that NAVY FEDERAL CREDIT UNION are reporting my transactions and experiences specifically a late payment that have posted on my consumer report : XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX NAVY FEDERAL CREDIT UNION is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term ''consumer '' does not include - ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely at to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) NAVY FEDERAL CREDIT UNION Making the report is NOT INCLUDED on my Consumer report! A LATE payment is a transactional history, My HISTORY WITH NAVY FEDERAL CREDIT UNION. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on my consumer reports! NAVY FEDERAL CREDIT UNION HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which clearly states IS NOT included on my CONSUMER REPORTS. PUT ON NOTICE that the reporting of my transactions or experiences with NAVY FEDERAL CREDIT UNION to the consumer reporting agencies is a DIRECT VIOLATION of the Credit Reporting Act 15 USC 1681a 2 Ai and this constitutes to inaccurate reporting. Furthermore, pursuant to 15 USC 1681 S-2 15 U.S. Code 1681s-2 - Responsibilities of Furnisher of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBTION ( A ) Reporting information with actual knowledge of errors 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. DUTY : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact PROHIBITION : a law or regulation forbidding something
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is reporting a charge-off on my consumer report. That is incorrect and inaccurate information. The IRS clearly defines a charge-off as Gross or Ordinary income ; Publication 4681. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which in fact makes the reporting of this account inaccurate and also the reporting of this account as a debt, is inaccurate. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. TRANSUNION and their inaccurate reporting damaged my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of inquiry and inaccuarte personal information in my report were inaccurate. I emailed it to credit bureau, requesting that investigate it and analyze my files. However, that information continues to be reported and is now having a negative impact on my credit. As a result, the credit bureau takes no action to remove the inaccurate information and inquiry listed below. XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX XXXX NA XX/XX/XXXX
Product: Debt collection

I received notification from credit bureaus on XX/XX/XXXX that new collection accounts were added. I contacted collection company Procollect on XX/XX/XXXX and was advised to contact the leasing office directly to confirm any information is possible. I did so the same day and gathered that person used my maiden name to try and obtain an application for an apartment but was denied and stopped payment on the application fee which is where the charge came from. I then filed an identity theft report and a police report on XX/XX/XXXX. I sent the reports along with a copy of my actual drivers license, mortgage statement, and utility bill to the email directed by customer service at Procollect. I tried to follow up on XX/XX/XXXX and XX/XX/XXXX via email and XX/XX/XXXX and XX/XX/XXXX via phone. When trying to contact by phone I am told my account can only be handled by a supervisor via email but I am getting no response through that email and they are refusing to let me speak to someone on the phone but I am getting emails from other people who are not from that account send me verification of account that is not even my information but wont allow me to dispute any other way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following inquiry XXXX XXXX. Please investigate to insure there is no fraudulent activity.
Product: Credit reporting or other personal consumer reports

the credit bureaus XXXX and transunion failed to conduct proper investigation on a collecection and and accounts they didint validate the debt according to the law. 
di not provided me with a copy of ANY documentation to the original creditor, not verification from a third-party database.
Product: Vehicle loan or lease

I opened up a loan with Santander in XXXX. XXXX of XXXX. Since then I've been paying the payments on it which were {$510.00}. At times I have paid more than that. I just pulled up my XXXX XXXX bill pay records of the past 2 years and this year and it states that I've paid {$14000.00} the past two years towards this car. But they're telling me that I still owe {$6000.00} and the loan is supposed to be up in 3 months! And I've been making bigger payments! I see that Santander has had numerous lawsuits on them. I think they ripped me off!. My car is supposed to be pay off in 3 months and it says I still owe them XXXX grand? And I've been making bigger payments. I got the documents from XXXX XXXX stating how many payments I made this past 2 years.. I think this company ripped me off. They're saying the loan amount was {$23000.00}? That loan was over XXXX grand when I signed those papers at the dealership in 2017. And I paid {$14000.00} the past 2 years? Something's wrong here