23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My complaint is regarding Syncb Bank for Jcpenny and Walmart. I have tried numerous times to resolve this debt with Syncb bank to either settle this out with them or pay this off. They have refused to accept any money for these accounts due to them stating they have sent me a 1099. I have requested for the 1099 to be resent to me because it was sent to another address which I do not live at. They refuse to accept any payment from me. I find this to be crazy that a financial institution refusing to accept payment for any account. 

Attempted on XX/XX/2021,XX/XX/21 and XX/XX/21to resolve this outstanding debt. 

JCPenny Account Number XXXX {$2200.00} Walmart Account Number XXXX {$1100.00} Please assist me with this issue
Product: Money transfer, virtual currency, or money service

I tired to wire-transfer {$6000.00} through online banking from my own Chase checking account to my own XXXX XXXXXXXX XXXX account on XX/XX/year>, however I found my chase online banking account was locked on XX/XX/scrub>XXXX then I called the chase online customer service at XXXX many times, but they said they couldnt help to pass the verification, I need to reach my banker, so I called my banker XXXX XXXX XXXX XXXX XXXX XXXX, also sent e-mail to him. 

On the XX/XX/year> morning, XXXX XXXX called my back, but he said he cant help me to unlock my account even he is my account manager, he said I still need to call customer service at XXXX, then I called the customer service again, they said actually my banker can maintain my record in the system, then I can unlock my account, I called XXXX XXXX again, he still said he cant do it, he can help me do nothing. 

Until now, I cant reach XXXX XXXX through phone and e-mail and my online bank account is still locked.
Product: Credit reporting or other personal consumer reports

Problem Description : The account identified as XXXX XXXX appears with a status of " XXXX XXXX '' and negatively impacts my credit score. 

Lack of Knowledge of the Account : I do not recognize this account, and no supporting validation or documentation has been provided. I request an investigation to confirm its authenticity or its removal if it can not be verified.
Product: Credit reporting

So I received a notice from CFPB that the XXXX agencies were working on my issue still and would not get an answer for up to 60 days from the XXXX agencies who would be checking into the my concerns with a collection company called XXXX XXXX and XXXX Bank. Since my response and uploading documents proving I did dispute with the XXXX credit agencies of which the say they had no record of, I have recently received these additional XXXX response letters from XXXX of which I think is somewhat of a retaliation to my original complaints regarding their incorrect reporting. You will see that in the body of the letters to the upper right hand side ( circled, arrow & stars ), they are still unwilling to change the balance of debt to read " {$0.00} '' and keep reporting that I owe them all this money. There should be not indication of any balance due them or XXXX Bank anymore on any correspondence or public records since all the accounts I previously had with XXXX had already been discharged between XXXX & XXXX before XXXX XXXX sold their business accounts out to XXXX Bank. XXXX who is now working with XXXX XXXX both are to still trying to collect on these funds from me and reporting this on all XXXX credit reports as of XXXX/XXXX/2015. I need for all the accounts under both XXXX and XXXX Bank to be totally erased from all XXXX credit reporting agencies ( Equi-fax, XXXX and XXXX ). I have attached below these letters I am referring to. I am sure there will be another letter on its way because there was a total of XXXX accounts with XXXX XXXX to include XXXX XXXX not included.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit for myself after I lost my wallet and I started getting several calls from different places stating that I owed money. I suspended that my identity had been compromised. I have many derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$0.00} XXXX XXXX/XXXX  XXXX {$490.00} XXXX XXXX   XXXX/XXXX XXXX {$490.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$500.00} XXXX XXXX   XXXX {$1100.00} XXXX/XXXX XXXX   XXXX {$150.00} XXXX   XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX {$21000.00} BANKRUPTCY CHAPTER-DISCHARGED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that the following account should not be on credit file :! - XXXX XXXXXXXX XXXX account # XXXX Authorize user, terrminated relation 2XXXX XXXX XXXX XXXXXXXX account # XXXX authorize user, terminated relation. i do not wish be be an authorize user on account s. delete account s from my credit file.XXXXXXXX XXXX XXXXXXXX XXXX  XXXX account XXXX this account was set up on auto pay, however, on XXXX is reporting a 30 day late. this account was always on auto pay. I ask that the late payment on XXXX XXXX be removed from my credit file. 
my request is for XXXX, equifax and XXXX. 

Also, respested companies. 


Thanks, XXXX XXXX
Product: Checking or savings account

wells fargo savings account # XXXX. 

On XX/XX/19 {$12.00} wrongfully charged. This was a fee for depositing a check in an atm one day over the 6 month limit. 

I was told I could deposit it up to 6 months from date of check by Wells Fargo employee. But he did not tell me that I actually have one day less when I deposit it through the ATM instead of through the teller. This {$12.00} should be refunded because i was misinformed that I had one day less when using the ATM.
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 : XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3400.00} ; XXXX XXXXXXXX Balance : {$5400.00}.
Product: Checking or savings account

On XX/XX/XXXX PNC allowed my business checking account to be charged by XXXX even though I did not have any funds in my account. They charged and overdraft fee and then days after charged additional over and over until my balance bacsme - {$220.00} overdrafted. I spoke with someone about getting the overdraft fees waived and their customer service reps tells me that they can not waive the fees. Now my account is closed as of today. I really need my account to be reopen if possible but I am not paying {$220.00} worth of overdraft fees which I feel is not fair at all. PNC please work with me to slice this issue and restore my account again. I also have a negative balance on my personal account as well and need to get those fees waived so I do not lose my account. My direct deposit will be coming to my personal account on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

this XXXX fraudulent account, XXXX XXXX XXXX  XXXX for XXXX, ive had problems wuth identity theft .this account was open with open with out my permission, i do not have knowledge of this account, i want this account removed from my credit report immediately, im filing this ftc identity theft report because my identity and all my information has been leaked on the dark web, i do not owe T-mobile and i ask that this account be removed and deleted off my credit report, this collection had harassed me before this account they its fraud and i want it blocked from credit report i am a victim of identity
Product: Debt collection

XXXX XXXX Bank and their second collection agency are in violation of the Fair Debt Collection act. The First collection agency assigned to XXXX XXXX was satisfied and paid in full. Now in XXXX XXXX Midland Credit Management became the owner of debt that has already been paid. I am tired of this nonsense, and so is my attorney and he knows California Law and that the debt can only be assigned once. Please help. XXXX Creditors have been notified to remove these items from my credit but to no avial, I keep getting the run around. I greatly appreciated your help! Thank you. I have disputed with all three credits bureaus and they still wont remove these debts that have been satisfied.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXX - XXXX {$870.00} XXXX XXXX XXXX XXXX - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Date opened XX/XX/XXXX - XXXX  {$1300.00} XXXX XXXX XXXXXXXX XXXX XXXX - Date opened XX/XX/XXXX - XXXX  {$230.00} XXXX XXXXXXXX # XXXX - Date opened XX/XX/XXXX XXXX  # XXXXXXXX XXXX  XXXX # XXXX - Date opened XX/XX/XXXXXXXX XXXX XXXX  {$870.00} XXXX XXXX  # XXXX - Date opened XX/XX/XXXX XXXX XXXX XXXX$940.00} Unauthorized inquiries 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax credit report, XXXX ( Account Number : XXXX ) was deleted in XX/XX/2021 and reinserted on XX/XX/2021 and I was never notified of reinsertion. I was advised by XXXX at Equifax they did not need to notify because the lender reported it.
Product: Credit reporting or other personal consumer reports

A Bank XXXX XXXX account transaction has appeared on my credit report. The transaction is the result of identity theft. I have no knowledge about the crime. All I know is that the transaction does not relate to me. I have already filed a police report and identity theft report for the crime. I sent a notice dated XX/XX/year> via the mail to inform Equifax about a crime that has taken place and to block and permanently remove the transaction from my credit report. Unfortunately, I have not received a valid response from Equifax. I am seeking redress for my instructions to be honored.
Product: Credit reporting or other personal consumer reports

Experian is Spelling my name wrong on my credit report XXXX XXXX XXXX - ID XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Credit Bureau is showing that I have missed XXXX  months of payments and am behind over {$4000.00} worth of payments to XXXX XXXX XXXX XXXX in XXXX XXXX Missouri. This is completely false my loan with XXXX XXXX XXXX XXXX was paid off in full months ago and XXXX XXXX XXXX XXXX will gladly tell anyone that. XXXX claims they do not know how the error happened. I filed a dispute with Transunion about the report on Approximately XX/XX/23 and XXXX XXXX XXXX XXXX also disputed the false report yet Transunion has yet to correct my credit report. In the mean time my credit score has gone down substantially and I have lost credit. XXXX XXXX took {$800.00} of my credit line away and XXXX  has capped my credit at {$700.00} my credit history with those companies is excellent. 
I have never in my life been late on any car payment. I purchased XXXX cars from XXXX XXXX XXXX XXXX and paid them all off early.
Product: Payday loan, title loan, or personal loan

I have paid on my loan multiple times dated XX/XX/XXXX, XXXX and XX/XX/XXXX, XXXX of XXXX because of covid I was not able to pay XXXX and XXXX XXXX on my loan. So I called them that i will make payments starting on XX/XX/XXXX if they could waive the XXXX $ fee per month, she said yes will waive it so start paying XX/XX/XXXX i paid XXXX  my monthly of XXXX because I was trying to cope up with my missed payment but on my Citibank app I have payment due that is coming more that my monthly amount of XXXX $ XXXX paid it anyways because I don't XXXX XXXX be charge with fees, then I tried to contact them but never had the chance to talk to someone from the loan department because they will put you on hold for more than XXXX then it will hangup. I went to XXXX of the branch to talk regarding my loan it's my last month of payment but I told them I believe I paid more than enough on my loan, Citi branch XXXX called the loan department they talk and suggested to me to pay the last payment and if there is something wrong or they maid a mistake they will refund it to me, so I paid that day XX/XX/XXXX, then i ask regarding those multiple payments that i paid where did it go, from the loan department said they can not see it on my file because it's more than a year but we can request it and it will available after XXXX hrs. Then I went back to the branch XX/XX/XXXX XXXX XXXX the XXXX called them and was able to talk to someone from the loan department her name is XXXX so he handed me the phone to talk to her and I was asking about the multiple payments that I made where did it go? And still no answer to it was given to me instead she said I will call you on Friday I will investigate on it. Friday comes no call from her until now. Then I send a certified mail on XX/XX/XXXX requesting my statements from the my loan start until my last payment, and I also ask on that letter about my multiple payments that I made but until now I didn't received any letter or call from them.
Product: Mortgage

The absolute worst mortgage servicing company we have ever worked with. Absolutely terrible customer service and completely dishonest. Borderline predatory on VA customers. 

Working with Lakeview XXXX, XXXX XXXX and XXXX XXXX did not respond to e-mails, or phone calls in a timely manner. This was for a VA Streamline refinance in which they reached out to us to initiate. 

Our mortgage closing date was delayed significantly, due to no response/contact after all documents were ready for closing, which caused us to incur late fees with our previous mortgage company, and when asked if should call XXXX XXXX XXXX, we were advised no. Speaking with XXXX XXXX XXXX they stated it is standard for loan officers to call or advise consumers to call and they would waive the fee. 

We asked approximately six times across both personnel to ensure our Escrow came back to us, via phone, e-mail and official documentation. On XXXX XXXX we spoke with XXXX directly to understand what the current delay was and ensure our election referencing the escrow was still in consideration and he assured us that our escrow would come back. 

We have documents from XXXX XXXX XXXX XXXX that stated that XXXX contacted XXXX XXXX XXXX on XXXX XXXX, the next day, and explicit asked for a second payoff letter TO INCLUDE the escrow in the payoff ( what we explicitly reminded him we did not want and he acknowledged the day before ). 

Further, the timeline from initiation to closing was completely unacceptable for a streamline refinance and was further compounded by the amount of phone calls and e-mails that went unanswered by XXXX XXXX. 

Post closing we sent 3 follow up emails to both personnel with a requested response and did not receive one. We will continue to submit complaints with all organizations to include the XXXX until we have a full break down of all 4 estimates we received and why our wishes were directly dismissed without any valid responses.
Product: Credit reporting or other personal consumer reports

Perfect credit for all my life. On XXXX XXXX 2024 XXXX hours Wells Fargo ATM stole my debit card. IU immediately reported it to XXXX ( supervisor ) No explanation given and waited 7 days to receive a replacement. This is the only anomaly that seems directly related to a notification from Wells Fargo and XXXX that my credit score dropped XXXX points. The score drop notification from WF App was on XXXX XXXX XXXX to XXXX, AZ branch manager to get an explanation why my score dropped and what negative conduct is affecting me? I explained that I need to know exactly what caused such an exponential drop in my score when I have never been late on payments, nor over drafting. Ordered XXXX credit reports from XXXX - XXXX - XXXX XXXX negative indicated. XXXX and XXXX scores were close to my average but XXXX was XXXX! 
XXXX and XXXX are XXXX. Contacted XXXX  and they couldn't understand what is negatively affecting my score, advised me to file a dispute which I did to XXXX with nothing negative on my report. They refuse to advise me what is negatively affecting my score or my most recent transactions. ( behavior ) I need to know what act was committed so I don't jeopardize my credit score in the future. Wells Fargo didn't even conduct an investigation and open and closed it same day with XXXX explanations. 
XXXX coincidentally conducted the investigation. Please advise me of what is negatively affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX NAME : XXXX XXXX XXXX XXXX RECORD : XXXX XXXX Bankruptcy XXXX INQUIRIES XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX UNKNOWN XXXX ADDRESSES : XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXXXXXX EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX INQUIRIES : XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/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 ADDRESSES : XXXX XXXX XXXX XXXX XXXX, IL XXXX Date XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX, IL XXXX XXXX NAME : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX OF XXXX XXXX RECORD : Chapter XXXX Bankruptcy XXXX INQUIRIES XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX COLLECTIONS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, WI XXXX
Product: Credit reporting or other personal consumer reports

Please Re investigate the inaccurate information being furnished on my consumer report.
Product: Debt collection

We have made multiple attempts to verify that XXXX XXXX is a signer on this account and responsible for this debt. The creditor continues to report this debt as a delinquency without providing proof, which has been requested multiple times, and is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Please see the attached correspondence from our attorney requesting this information in XXXX, which to date has still not been provided. 

We request this delinquency be removed immediately. This is our final attempt before pursing legal action on this matter. 


CREDITOR/DEBT COLLECTOR DECLARATION Please provide all the following information and submit the appropriate forms and paperwork within 30 days from the date of your receipt of this debt validation request. 
Name and Address of Alleged 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 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  Please attach a copy of the agreement with your client that grants ( Collection Agency Name ) the authority to collect this alleged debt. 
Also, please attach a copy of any signed agreement debtor has made with the debt collector or other verifiable proof debtor has a contractual obligation to pay the debt collector. 
Please attach a copy of any agreement that bears the debtors signature, wherein they agreed to pay the creditor. 
Please attach copies of all statements while this account was open. 
Have any insurance claims been made by any creditor regarding this account? 
YES or NO ( circle one ) Have any judgments been obtained by any creditor regarding this account? 
YES or NO ( circle one ) Please provide the name and address of the bonding agent for { Name Of Debt Collector }, in case legal action becomes necessary : ______________________________ ______________________________ ______________________________ Authorized Signature For Creditor ______________________________ Date You must return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of this letter. 
Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for debt validation made pursuant to the FDCPA. Please allow 30 days for processing after I receive this information back.