23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX me and my family received news that the home we were living is going to be sold and were forced to move out. 

I then applied for a townhouse to rent and after conducting a credit check the property management company indicated to me that I needed to reach out to " XXXX XXXX '', aka " Rent Collect Debt Global '' and get a payment arrangement letter before i was approved to move in for a past due bill. 

I then proceeded to call this Collection Agency who in turn agreed to work out a payment arrangement but then refused to provide me with a letter outlining the agreement because they new i was trying to get a home for my family of XXXX that included a XXXX child. I asked why, and XXXX informed me because it 's not apart of their policy? I then in turn asked what a settlement option would be, and they give me a figure of about XXXX and agreed to email it to me which they did with a due date for that day? I do n't understand why they 're allowed to email a Settlement letter but not a PPA letter? Nevertheless i forwarded this to the property management company per their request and informed them that the collection agency refused to provide me a PPA letter but did agree to a settlement letter? He informed me that this was very odd but would look at the settlement letter. 

The next day i followed up with the property management company and he informed me i was denied because they called this collection agency and spoke with XXXX who informed them i was n't making any payments, and the account was still outstanding? This is a clear third party violation that has had a devastating effect on my life. 

My family and I are essentially in the streets living house to house with friends and family. I 've contacted our Colorado XXXX XXXX and they 're looking into helping me and my family but nothing has come about yet. My XXXX kids also just started school and the XXXX stress, coupled with the financial burden this has put on our family is unfathomable. We have to sleep at XXXX separates houses every week which has put a burden on people who do n't deserve it. 

I get that i owe a Debt, but conveying personal details, and denying me an opportunity to receive a written agreement about my debt is very unprofessional and wrong. The only reason why they did this is because they knew i needed it to get a place to live. They 're holding it over my head, and using it as leverage to exploit the fact that i cant get a place or move on in life without it. I feel I 've been treated un fairly, i mean in all honesty i think it 's far fetched that they 've never given anyone a payment letter before
Product: Mortgage

The PremisesThe Adjustable Rate Note on the subject loan is dated XX/XX/XXXX. The parties are XXXX, the borrower and XXXX XXXX XXXX XXXX XXXX, the originating lender. The Deed ofTrust dated on the same date. The parties are the borrower, XXXX XXXX, the co-borrower, the originating lender, MERS, which is named as nominee for the lender and beneficiary, andXXXX XXXX XXXX XXXX, the trustee. 
The subject loan has been securitized into XXXX XXXX Loan Trust XXXX. ThePooling and Servicing Agreement of the mentioned trust requires that the Adjustable RateNote should be endorsed by XXXX XXXX XXXX XXXX XXXX, the originating lender and sellerto XXXX, XXXX, the depositor and by the depositor to XXXX, the trustee. 
Consequently, the Deed of Trust should have been assigned by the originating lender and tothe depositor and by the depositor to the trustee. 
The chain of endorsements and assignments are also set to be followed in order qualify thetrust as a XXXX under the Internal Revenue Code. 
The mortgaged property has been foreclosed in favor of XXXX XXXX, XXXX XX/XX/XXXX 
The Note must be endorsed properly when the Security Instrument has been assigned. If thisdoes not occur, there is a separation of the security instrument from the debt instrument. 
Separation violates Paragraph 20, a XXXX XXXX in the Security Instrument contract. 
Additionally, any instance in which a successor trustee has been designated, but noThe Main Issues1. The subject loan was securitized. However, there were no documents to show thecompliance of the series of endorsements and assignments that:1.1. are required by the Pooling and Servicing Agreement ; and1.2. each constitutes a true sale from the originating lender to the seller, from the sellerto the depositor, and from the depositor to the trustee in order to ( a ) qualify thetrust as a XXXX and ( b ) give the trust the status of a holder in due course that wouldprotect it against adverse claims from the loan 's originator. 
2. There is prima facie evidence that the signatures on the Assignment of Deed ofTrust and Substitution of Trustee have been forged. 
3. No document was presented in this examination or recorded in the Voluntary LiensReport which shows that the trustee representing in foreclosure has been duly appointed. 
Details of these findings are discussed in the pages that follow. 
This report is authorized for use by both the borrowers and/ or their attorneys. Thecontent constitutes written evidentiary findings. The expert whose name appears at thebottom of this report supports its findings. The audit service is a " qualified '' veteranMortgage document analyst company and an independent party with no financial interestin the outcome of this case. I stand ready to testify in any State or Federal court as awitness in support of the attorney 's foundation of evidence and judicial notice. Thisreport is based upon facts, documentation, investigation and review of the evidencesupplied. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some major issues on my credit file that need to be reinvestigated asap.

issue 1. XXXX XXXX listed on my Equifax report has a late Payment from 2017, I was an authorized user on that account over 4 years ago I am not on that account and I am not responsible for the balance of that account Please delete.

2. Second issue I found inquires from various auto loan companies. I have only one Auto Loan with XXXX XXXX XXXX. I have never applied for accounts or loan with the following companies :, 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.

I am hyper sensitive to any movement on my credit file I discover these last month and filed a dispute. This is my 3rd time complaining about this issue.
Product: Mortgage

We filed bankruptcy in 2010 however, there was a car loan XXXX and home XXXX - Chase Mortgage XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ) that were not to be included in the bankruptcy ( see uploaded doc schedule C ). However, XXXX companies, Chase and XXXX XXXX I will submit complaint XXXX seperatly ) are reporting to all XXXX bureau 's that these XXXX loans were discharged in bankruptcy Chap. XXXX. None of the payments made after this was reported are showing and since this time XXXX loans have been paid off. Also, not showing on my credit reports. I 've contacted all XXXX credit bureaus numerous times and tried to dispute this. They show the loans were paid off on their end and in their system but wo n't remove the " discharged in bankrupcty '' of my credit reports. I went thru a divorce the bankruptcy and just want to get my life back together. With such a terrible credit score I 'm paying more for everything and not able do a lot. I 'd like to someday buy a home for my family again and will at some put need another car. It 's so frustrating. I ca n't tell you the time and money ( I paid a credit company {$1600.00} to help me restore my credit ). I hope you will be able to advise me or help me. 

Thank you for your time.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I disputed account through all three bureaus as they re reporting a debt on credit report that I do not recall having. I disputed this debt asking the bureaus to verify or delete immediately, more than 30 days have passed and I have not heard back. Dispute letter was sent via mail with a certified and return label and seems like all three bureaus got the dispute but decided to not response to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( Original creditor 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 

15 U.S.C.1681 section 602A.. States I have the right to privacy.

15 U.S. C. 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I were discharged from our chapter XXXX bankruptcy which included a reaffirmation agreement for our home mortgage in XXXX of XXXX. We noticed that in XXXX of XXXX, our mortgage company XXXX XXXX stopped reporting our payments to all 3 credit bureaus so we questioned our Bankruptcy Lawyer. They told us that yes, our bankruptcy was XXXX in XX/XX/XXXX but our Trustee was still dispersing our tax money to creditors at that time so our file was still open but he had just finished so it was closing and XXXX XXXX would need to begin reporting and backdate. Well by XX/XX/XXXX, XXXX XXXX still wasnt reporting and I had already filed disputes with the credit bureaus about it on XX/XX/XXXX given case number XXXX with Transunion and XXXX with XXXX ( XX/XX/XXXX. ) On XX/XX/XXXX, they came back saying it was accurate information being supplied by XXXX XXXX ( XXXX XXXX was reporting that my account was reporting our account as closed and discharged in chapter XXXX. ) I disputed a second time and attached a copy of our reaffirmation agreement explaining that it was NOT included in the bankruptcy and that it needed to be updated as open and current. Transunion promptly deleted the entire account from my credit report. XXXX eventually updated the status to reflect our account as open and current, but doesn't show any payments made in XXXX. I emailed XXXX XXXX on XX/XX/XXXX with a copy of our reaffirmation agreement demanding they update our credit reports to reflect open and current as it has almost been a year and they are in violation of the Fair Credit Reporting Act. On XX/XX/XXXX, I spoke to XXXX from XXXX XXXX who assured me it would be fixed within a week and to call back on that following Friday. She marked our file Urgent. I called back a week later and spoke to XXXX, who told me marking it urgent meant nothing and that they would get to it when they get to it. Everytime I call them or email them, they extend the waiting period an extra 30 days. I called Transunion and questioned them deleting XXXX XXXX from my credit report instead of fixing it. They said that's their policy and they won't fix it until XXXX XXXX tells them to. XXXX XXXX keeps giving me the run around. I have a reaffirmation agreement that should have allowed it to remain on my credit report with payments being updated!
Product: Checking or savings account

Navy federal overdraft fees which caused my account to close and unable to reopen an account
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX  XXXX XXXX  XXXX USDOE/XXXX  XXXX XXXX XXXX XXXX XXXX USDOE/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of a credit inquiry my latest report shows XX/XX/year>XXXX  SYNCB/Amazon PLCC I did not authorize and will like to have this unapproved inquiry removed
Product: Checking or savings account

On XX/XX/2023 around XXXX, I walked into XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX and initiated a wire transfer in the amount of {$24000.00}. I am an account holder at XXXXXXXX XXXX 
The wire transfer was to a Chase Bank Checking account. I was told that because I was initiating the wire early in the day that it would be received the same day by the beneficiary. 
The wire was never received that day so I called XXXX XXXX XXXX XXXX XXXX and spoke with the teller XXXX that initiated the wire. We went over the account numbers and confirmed that all the information was correct. The teller XXXX promised to call me back after she did more research. About 30 mins later she called me back and confirmed that the wire was sent and that she had a Federal Reference Number relating to the wire transaction. She gave me the Federal Reference Number and I gave it to the the beneficiary. 
The beneficiary called his bank the same day while I was present, and spoke to a banker by the name of XXXX XXXX from the Chase Bank XXXX XXXX Location. 
He told her the situation and gave her the Federal Reference Number and she placed him on a brief hold. When she returned to the phone, she told him that no wire has been received and they have no record of a wire being sent to them and that we should follow up with the sending bank. 
I couldnt understand this at all and this is the basis of my complaint. Somehow the wire I sent is missing and I dont understand how {$24000.00} just comes up missing when I have proof that I sent the wire and all the details were correct. The {$24000.00} has been debited from my account and now I am out of {$24000.00}, and the money has not been received by the beneficiary. 
On XX/XX/XXXX the beneficiary still had not received the wire so I called XXXX XXXXXXXX XXXX XXXX XXXXXXXX and requested a wire recall which they did not allow me to do because they said the money was received by Chase Bank which Chase Bank is saying it has not been received. 
I am asking that my {$24000.00} be returned to the beneficiary or to my bank account. The Federal Reference Number is listed below and the wire transfer receipt is attached as well.
Product: Debt collection

I tried to contact this company Fair Collection & Outsource XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX a number of times by certified mail dated XX/XX/2021, XX/XX/2021, XX/XX/2021 in reference to a collection account on my XXXX, XXXX, & XXXX credit reports. Until this date I have not received any information verifying that this account belongs to me and is correct and method of verification used.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Vehicle loan or lease

I have made several attempts to contact SunTrust now known as trust. They refuse to acknowledge any payment and insist that my payments are late. Every time I call they either place me on hold indefinitely or hang up. I use an auto pay service and they refuse to accept the correct dates of payment.
Product: Debt collection

I have received various calls and text messages from OneMain Financial BrightWay. Today, XX/XX/year>, I called them about my debt and discussed my financial situation. They agreed to settle the account for {$390.00}. I agreed to the settlement offer and requested it in writing before making the payment. The agent told me that they can not sent anything in writing because they do not have the capability to do so. I told them that I was not going to make a payment without having something in writing and requested to at least see this information in their app but they said they could not.
Product: Debt collection

Good Afternoon, Today I received a call from XXXX at XXXX XXXX XXXX at my work. I work for a financial institution and our calls are recorded. Despite telling XXXX that its my work and I could potentially lose my job for that call he continued to pressure me into the call and not willing to hang up. According to my company policy I can not hang up on a call as it could be a customer service issue. He without verifying my identity disclosed my financial information which could have been anyone at my work and they would have known my financial status. Just not only put my information at risk he put my job at risk. If my call quality team ever listens to this call and escalates it to my manager I could lose my job as its strictly prohibited for us to take personal calls and specially not from another financial institution. I have asked XXXX to not call me ever at my work but he refused to commit to that and said he will call back. Please advise and assist as next call from him could end my employment. Thank you!
Product: Credit card

Comenity Bank opened 2 credits cards under my name without my consent. 

Card 1 was for XXXX XXXX and they informed me the account number associated with my name and address ends in XXXX. 

Card 2 was for XXXX XXXX and they informed me the account number associated with my name and address ends in XXXX. 

Both have shown up on my credit report. 

I've tried to dispute with XXXX, and they made no changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

After many atempts of contacting the 3 najor credit bureaus about these fradulent unauthirized accounts haunting my credit files, I decided to use this system, before filing suit if this is un successful. All these accounts come from my identification being stolen and misused. Im requesting that the following accounts be removed immediately and/ or show just cause physical docunentation and signatures associated with these accounts ; or these accounts shall be removed immediately. 

1 ) XXXX XXXX XXXXXXXX ( account XXXX ) {$860.00} 2 ) XXXX XXXX ( account XXXX ) 3 ) XXXX XXXX XXXX ( account XXXX ) {$3300.00} 4 ) XXXX XXXX XXXX XXXX ( account XXXX ) {$6900.00} 5 ) XXXX XXXX ( account XXXX ) {$4300.00}
Product: Checking or savings account

I deposited {$1000.00} cash into an ATM. The atm jammed Wells Fargo only deposited {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX XX/XX/XXXX  ; XXXX XXXX XX/XX/XXXX  ; XXXX  XX/XX/XXXX  ; XXXX  XXXX XX/XX/XXXX  ; XXXX XXXX XX/XX/XXXX  ; XXXX XXXX XX/XX/XXXX  ; XXXX XXXX XXXX XX/XX/XXXX  ; XXXX XXXX XXXX XX/XX/XXXX   ; XXXX XXXX XXXX XXXXXX/XX/XXXX  ; XXXX XX/XX/XXXX  ; XXXXXXXX XXXXXX/XX/XXXX  ; XXXX XXXX XX/XX/XXXX  ; XXXX XXXX XX/XX/.
Product: Vehicle loan or lease

In XX/XX/XXXX I was visiting relatives in South Carolina. During that time I bought a new Nissan at a local dealership and financed it through Nissan Motor Acceptance Corporation ( NMAC ). After returning to my home state of Kentucky I paid off the loan on XX/XX/XXXX. In order to remove a vehicle lien, Kentucky requires Form XXXX to be completed by the lender and returned to the local county clerks office. NMAC refuses to do this. Several phone calls with NMAC has not resolved the situation even though their representatives have assured me each time the appropriate paperwork has been submitted. The last call I requested a copy of the paperwork also be sent to me. This document was received on XX/XX/XXXX and it revealed a simple document titled " Lien Release '' on Nissan letterhead, not the required state form. Another call to their representatives on XX/XX/XXXX revealed they were unaware of the existence of the state form even though I made it clear in previous calls it would have to be submitted.
Product: Mortgage

My mortgage was raise over XXXX due to an escrow shortage of about {$4000.00}. I told them I could not afford this. I have a modification through XXXX. XXXX sold my mortage to Nation Star.