23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2022 I had sent central portfolio control a Debt Validation Letter that requested several documents be sent to me to Validate the debt. I will be attaching the Validation letter to this complaint. In the letter it specifies they have 30 days to validate the debt. I have reached out on four different occasions via email and phone to try to resolve this issue. Today XX/XX/XXXX XXXX days past the validation period, They sent me an email Pertaining to the alleged a debt. This now violates my Validation later as I had attached a ceased and desist letter and that all correspondence must be done, in writing, And sent via mail to my address. I have documented this violation for my records. They failed to validate the alleged debt, And violated my rights.
Product: Checking or savings account

Im currently the conservator/guardian for a protected person the guardian/conservator on the accounts with the accounts with protected person died. SunTrust Bank closed all banks in XXXX XXXX and I was informed that I needed to send all documentation to the Legal Dept. in XXXX XXXX which I did overnight. Legal received all documentation a week ago and Ive yet to hear from them. The documentation that they received was the court order to release all funds and account information to me as the conservator, death certificate of the previous guardian/conservator only with social security numbers of both the protected person and previous guardian/conservator on the two accounts. The protected person is now in Minnesota and is need of the funds in her accounts and these funds are being withheld. Ive now been inform by a supervisor of SunTrust that I will have to go to a branch office to present the documentation in order for the accounts to be release to me. This shouldnt be this difficult, if I was told this before leaving West XXXX I could have gone to a branch office in XXXX. But now Im in XXXX with the protected person and have no means to access her monies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been trying to get these fraudulent accounts off my credit report and I reach out to the XXXX, Equifax and XXXX  regarding this and they still haven't remove these accounts from my profile. Also, there are a handful of credit inquires on my credit that i did not authorized. This is affecting me from getting my house for me and my kids. I am a victim of identity theft. These accounts listed are not related to any transaction done by me. I also called the companies regarding this identity theft and they told me to reach out to the bureaus. I have attached the FTC report and my driver license
Product: Debt collection

On or about XXXX of 2015, I started to receive request for payments to which I disputed based upon claims of stolen ID THEFT.However, XXXX XXXX XXXX ATLANTIC CRED continued attempt to collect a debt that I do not owe. I personally contacted ATLANTIC CRED and disputed the validity of the debt. I personally requested that ATLANTIC CRED to perfect security interest and VALIDATE the DEBT by providing me with " Certified BILATERAL CONTRACT " obligating me to this debt with the " ORIGINAL CREDITOR '' NAME ; ADDRESS and unpaid invoices under FDCA. To this date, ATLANTIC CRED has failed to be in compliance of FDCA, thus, unilaterally without just cause continued to violate my civil rights causing and preventing me from securing good paying job, adequate housing and/or obtaining new credits.
Product: Checking or savings account

XX/XX/2022 Someone withdrew cash from my Chase Bank checking account, pretending to be me. The person withdrew {$2000.00} at two different branches, making the total {$4000.00}. I called the bank to report, but the representative recommended that I would wait until the transaction is posted with more details. 

XX/XX/2022 I called the bank and reported the unauthorized activity on my checking account. I was told that the funds were withdrawn in person at the branch. Both transactions occurred in XXXX XXXX while I was working from home full time. 

XX/XX/2022 I reported to XXXX XXXX Police Department. I called the bank for an update and they requested a copy of my ID to match with the one they scanned. 

XX/XX/2022 I faxed the bank a copy of my driver 's license as per their request. 

XX/XX/2022 I called the bank for an update on my case and was told that my claim was denied and closed as of XX/XX/2022. I asked two questions. 1 ) Was the presented ID matched with the person 's face at the time of the transaction? 2 ) Has Chase verified the person in the surveillance footage prior to the denial decision? The claim specialist wasn't able to provide a clear answer. The person kept saying that I would need to prove where I was at the time of the incident. Why can't they just replay the surveillance camera and verify the person? I worked at home that day and it's not easy to prove it because I just stayed home all day. Now I am in a position where I, as a victim, have to prove that I am not a criminal, and it makes me very unpleasant and unsafe. During the entire process, I was never reached out for more information or cooperation. All I received was a letter to notify the case was closed. The bank never made me feel that I was being helped and protected.
Product: Credit reporting or other personal consumer reports

This will be my second attempt to procure information concerning my credit score reporting from TransUnion TransUnion for the last 3 to 6 months if not longer have reported me at XXXX no late payments no new nothing XXXX has me listed at XXXX this information can be found through XXXX XXXX there is such a disparagement gap between the credit scores whom do I complain to concerning the information that TransUnion is using to prevent my score from going up towards a more positive number I also want to know how is it that this reporting companies have the ability to control everyone 's life by this number yet there have been so many attempts and hacks towards these agencies that prevent people from getting the credit that they deserve I do understand that there is a bankruptcy but the bankruptcy is paid on time without any adverse comments or actions so therefore am I not to believe that TransUnion purposely intentionally are using these low numbers without any impactful information to show why and not to move the numbers forward when the credit score exist and why has the vantage point score not changed help me to understand and should I consider this a company that will continuously use these numbers and tactics in order to keep people of color from moving forward in order to pursue their happiness to obtain a mortgage car I would like to know what agency is actually looking out for the consumer and why so much power are given to these three entities and there is absolutely no one to hold accountable no one to even talk to
Product: Mortgage

Citicorp XXXX Bank recorded a mortgage against my property for their client XXXX XXXX. They mistakenly used my property 's legal description to further describe the property address for XXXX XXXX. Obviously the address is different but the legal description is for my property and now it stuck to my chain of title and I am not able to sale my property because it list XXXX XXXX 's mortgage with Citicorp XXXX Bank as a third mortgage against my property. We explained to Citicorp XXXX Bank that they made a mistake by recording the mortgage against the wrong property but they refuse to get involved and want us to speak directly with their borrower to get fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Double Jeopardy! Only the company who owns the account can legally report it and I clearly see multiple companies reporting XXXX XXXX and XXXX XXXX XXXX. Credit Reporting Agencies need to DELETE XXXX XXXX XXXX XXXX and XXXX XXXX XXXX immediately this is double jeopardy!
Product: Vehicle loan or lease

Given the highest rate possible on a XXXX car loan. ( Truist Bank ) Credit score-XXXX  Debt-only a mortgage-XXXX  per month Take home pay monthlyXXXX When I complained, I was told-go find a better rate.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX
Product: Credit card or prepaid card

I am begging that the late payment for XX/XX/2019 from WF/XXXX XXXX XXXX be removed from my report. During that time, I got laid off and did not have any money to make payment for that month, however, I managed to borrow money from my relatives to cover that 1 late payment. I have been paying this account religiously since then and now, I am trying to get a better position in our office but this 1 late payment is really affecting that promotion negatively. I desperately need this promotion and I would be extremely appreciative if this late payment will be removed. I have been contacting WF/XXXX XXXX multiple times to get some help but to no avail. During this pandemic season, I need this promotion even more so please help me.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. dispute items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix these problems cre dit bureau- My lawyer and I are getting ready to file a lawsuit.      Please remove these inquiry from from my credit   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   someone else tried to get a car in my name and all these inquiry popped up i have called numerous of times the companie tell me to contact bureau and bureau tell me to contact company Judgement case number  XXXX  amount  XXXX  - this account has been paid in full.     These items were deleted and reappeared - Also these accounts are closed!!!! please remove. Balance is  XXXX  ON ALL OF THESE ACCOUNTS   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   This is my  last  time before I sue all  XXXX  credit bureau
Product: Debt collection

Calls come in asking if they can speak to a XXXX. There 's no XXXX here.
Product: Debt collection

I have sent affidavit DEMANDING that they Verify the debt that I allegedly owe them. They CLAIMED they did but it wasn't done properly Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc, who may have information of any items on the consumer file which you will have to show me proof via an affidavit of fact under penalty of perjury ; I DO NOT CONSENT TO ANY AUTOMATED RESPONSE OR E-OSCAR VERIFICATION METHOD. 

and if they can't, they must CLOSE the account and IMMEDIATE REMOVAL OF THE NEGATIVE REMARKS they've made against me on my credit report pursuant to THE FAIR CREDIT REPORTING ACT 15 U.S. CODE 1681 1681i.

Unauthorized Use Pursuant to 15 U.S. CODE 1602 ( p )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX I was searching to buy a home and I came across Bank of America I was connected with a loan officer by the name of XXXX XXXX XXXX. XXXX was giving me information that I need to gather together for the bank to approve me for a loan once I got approved for the loan I started shopping for homes i got a home inspection pay for appraisal and also lost out on mortgage agreement twice because of XXXX XXXX 's lack of professionalism and responding on time and XXXX was not handing paperwork in on time emails reaching out to my realtor also not reaching out to the underwriter and the person of the property therefore I lost out on {$2000.00} Mr.Handy may take 4 day 's to even a week to respond back to all party 's involved in this process XXXX XXXX would also tell myself my realtor the underwriter and the person associated with the property that he does not do work after XXXX but XXXX XXXX was sent emails about XXXX in the evening stating documents that he needed and what those documents were presented to him he was still take days to even respond back i truly believe that I was discriminated against this is why I have lost out on a home that I've tried to invest money into.
Product: Debt collection

I was notified by phone call from FAIR COLLECTIONS AND OUT XX/XX/year> that I owed a collection for {$7300.00} for a rental lease on a home I never rented or lived in
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX, XXXX  XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

National Credit System continues to attempt to collect a debt, that I do not owe. They have not responded to the 30 day independent verification.Debt Collector National Credit Systems , Inc . 
Account Details Original Creditor : XXXX XXXX XXXX  Account # : XXXX Balance : {$3600.00} Open Date : XX/XX/XXXX Credit Bureaus XXXX : Negative Latest XXXX Report Date : XX/XX/XXXX XXXX : Disputing Latest XXXX Report Date : XX/XX/XXXX XXXX : Disputing Latest XXXX Report Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account needs to be completely deleted from account! this was a pay to delete for a settled amount! XXXX has completely removed this from consumer report. It should also be removed because this was a collection account thats reporting as open which is not under FCRA compliance, this is a violation of requisite METRO 2 Compliance reporting standards. My dispute letter was sent before they listed it as paid on my consumer report! According to the Fair Credit Reporting Act I have a right to a completely accurate report, and its required to be removed if any information is not true, verifiable, and accurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a text saying my bank account was compromised and to respond with Yes or No if I tried to do a transaction of {$3500.00}. The number was the Wells Fargo message number after I responded No, I got a call immediately from a bank representative. The phone number was the legit Wells Fargo number as I had double-checked the back of my debit card. They said I'd have to XXXX  myself the funds that were compromised, since the daily limit is {$1000.00} they set up an appointment the following day to finish it. The next day on the XXXX the scammer who impersonated the bank did call me on time and asked me to wire transfer the funds to myself. I figured it was legit since as stated they masked their real number with the Wells Fargo customer service number and followed the exact same procedures the bank does. The scammer however had access to my mobile login info and was able to use my information to send the money to his own account which I found out is a XXXX account. I called the XXXX to ask for a follow-up explanation and they informed me it was a scam. Immediately the lady who answered me made me feel ridiculous and said this fraud was all over the news. I had no idea this was happening as Wells Fargo didn't address this mass fraud problem in an official letter until the XXXX of XXXX. I have been going back and forth with the bank trying to get my money back but they are saying it's my problem as I ultimately sent the money. It's insane that it's been nearly 3 months of me being sent back and forth to different departments with representatives not even knowing how to handle it, and me spending nearly 2 hours on the phone with them. I have no clear answer as to how or if I will be able to get my money back, as the claims have been opened and closed multiple times. The last solution I can think of is filing complaints and having to talk to the FBI.
Product: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX : {$61.00} XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  : {$480.00} XXXX. XXXX XXXX Account Number : XXXX XXXX : {$1800.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Product: Debt collection

This is my personal cell phone. I thought creditors could n't call the personal cell phone when it is registered on the DO NOT CALL LIST. These people are calling early in the morning. They are annoying me!
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I submitted all of my documents to United Wholesale Mortgage for my VA loan modification on XX/XX/2023. Then on XX/XX/2023 I was told that I needed more information to upload to satisfy the underwriting requirements. On XX/XX/2023, I was told that they were not able to open a single document and told me to upload them again. I even was told to email them to ensure they were received. They put me on hold and was speaking with someone and once they got back on the line, they assured me that they were able to open each document and view them and I should be good to go from there. They stated that they escalated the issue to upper management and it should take 3 to 5 business days to resolve. Then on XX/XX/2023, they rejected the documents stating they were not able to open any of the documents, but when I spoke to someone just two days earlier, they assured me that they were able to open each document.. I uploaded them again and were able to open each document on the website after I uploaded them. They asked me to make sure they were in PDF format. 
on XX/XX/2023, I spoke with someone and they said that it should be resolved that day. 
I would get letters stating that I have submitted all of my documentation and it has gone to underwriting. I received over 5 of these letters. On XX/XX/2023, I spoke with another person who stated she was not able to open any of the documents. She then spoke to someone in another department and was told that they were able to open the documents. At this point, I have no confidence that they want to help, and are intentionally not approving my modification on purpose.
Product: Money transfer, virtual currency, or money service

I was in the process of buying a vehicle on XXXX XXXX and I contact the seller and they requested a deposit and I sent the deposit and never got the vehicle or any other information and I got blocked