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

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
There is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number # XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert from XXXX that someone requested my credit report. On their website I found that Capitol One requested it but we already have an account and did not request a card. I locked that XXXX XXXX request online. Sometime that day we received a garbled message from XXXX that I googled online which indicated it could be a scam. I called XXXX using number on back of my CC and connected to Fraud department. Rep said there was no indications on our acct. On Wed XX/XX/XXXX I received a long form letter dated XX/XX/XXXX from XXXX they were confirming my request ( the original acct was in my name XXXX XXXX ) and to call to confirm or report as fraud. I called and spent at least 30 minutes with an outstanding rep who suggested after reviewing my info that I contact FTC/ add a Victim Statement on our SS # ( stays for 7 years ) freeze 2 of 3 reports/ and have just an alert on the third. She also shut down the request for the card. Later on XXXX XXXX after I talked with XXXX I received another but short form notice dated XX/XX/XXXX ( yes the dates are correct & received out of order ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Customer service would not help and take care of the negative inquiries reporting to my credit report. 

XXXX inquiry date XXXX XXXX  XXXX inquiry date XXXX SYNCB/PAYPAL inquiry date XXXX
Product: Checking or savings account

I opened a checking and savings accounts with Discover Bank on XXXX/XXXX/XXXX. The entire customer experience of opening the account was awful, but that is not the reason for the complaint. I eventually opened both accounts successfully and set up an initial deposit ACH from my XXXX account. Monday XXXX/XXXX/XXXX I received an alert my account had been frozen and Discover must be contacted before the hold could be lifted. I called as instructed and a Security agent, who asked me why I was calling even though he knew, reviewed my account and said there was an issue with the account generation, but he fixed it and I would no longer run into any issues. 

Come Thursday XXXX/XXXX/XXXX when the initial deposit still had not come through and purely showed as pending on the website, I called Discover concerned that the ACH was not going to go through. I was then alerted by the phone agent that there was an issue with my account caused at opening that needed to be resolved. The comment made it seems like this happens all the time. 1. The first agent I spoke with on XXXX did not fix the accounts as promised 2. If this is a common issue it should be resolved. I was transferred to a web team agent, XXXX, who fixed the account, which caused my account to lose all the preferences it had and my verified external accounts. Annoyance and extra work required on my part, but again not the reason for the complaint. XXXX informed me that the initial deposits were not going to occur and I must reschedule them, so I took her advice and proceeded to reschedule the transfer. 

Come Monday XXXX/XXXX/XXXX Discover completed all of the transfers causing my account to go negative. I immediately called to alert them and request the duplicate funds back. I have had several phone calls with Discover since then, and even representative tries to instruct me how an ACH works. I know how it works, I work for a bank ... The funds had left XXXX and they had no control over the funds at this point. Discover would not make the funds available to me until XXXX. When instructed them I required the money to pay for my mortgage come XXXX there was no empathy or real care to my situation. Discover refused to return my funds or escalate my issue to their executive office. They simply stated that their policy is there is a 30 day hold on all funds on new accounts for " fraud protection '' and this policy could not be overridden. This is a stupid policy plain and simple. My career has been spent designing Fraud and Non-Fraud processes for credit and retail banking and there are far better ways to prevent fraud then impact your newly acquired customer. On top of that I find it had to believe no one can override a fraud policy on an erroneous transfer. If I have a customer being negatively impacted by a fraud policy/strategy,  I simply reach out to that team and they remove that policy for that particular customer. The same must be possible here. Discover refused any type of resolution to return my funds and forced me to  contact XXXX to file a dispute on all the transfers to receive my funds back. This is not acceptable.
Product: Credit card or prepaid card

I called to add my cc to XXXX XXXX  and change my number, without sending any alerts they blocked my zero balance card and asked for a copy of my drivers license. I did it and then they asked for a utility bill. I asked them to close my account they after giving me a lot of delays they did and said theyll send my positive balance by check. I asked for the annual fee to be prorated. They said no you already paid for it. Please help the American consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In the last Few days of XXXX, I called Wells Fargo Home Mortgage to see if I could get two quotes.

The nice young salesman helped me get two quotes where I provided him my specific Taxes and Insurance per month. 

The two Loans ; XXXX at a XXXX where the payment was {$2600.00} in total including my {$1100.00} a month in Taxes and Insurance. 

or XXXX at 3.75 % @ {$2800.00} a month where I would receive about {$38000.00} with the same T & I. 

I immediately provided all documents online and agreed to the terms of the second loan. 

We went over the payments and then the salesman asked for {$570.00} credit card payment for an appraisal. He said once I do the appraisal I can't get refunded. 

Next day, I receive the XXXX and it has an estimate of my taxes and insurance some {$300.00} less a month yet a monthly payment of {$2600.00} a month. 

I immediately call up the salesman and explain that this is wrong. He checks what amounts are known in the system and agrees with my numbers. 

He winds up calling me back and saying, they 'DO this all the time, the system estimates taxes for the quote ''. I said I gave you the actual and you acknowledged that before and here after. 

The rates have gone up 1/4 point since this nonsense. 

This escalated to an underwriter and then on to the Executive team. The executive team said they would make a decision after looking at it by XX/XX/XXXX. They called me today and said they don't guarantee any estimates. Too bad and you can't get all your money back even though you did not even schedule the appraisal. 

I gave my credit card a charge back. 

Two issues here ; 1. After 2008 Wells Fargo of all players should know better. They cant be trusted to self govern their practices when they have a system that in their words " Automatically makes up a number relative to the area '' even when provided the actuals. They must be stopped.

2. I lost a significant amount of money here by their delay and fraud. 



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

My information has been improperly used. Now my credit report has items that are not 100 % accurate. To make matters worst, my credit card limits got reduce because these inaccurate item are hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having an identity theft issue that i have not been able to resolve with XXXX XXXX for quite some time. 

XXXX XXXX has had my file supressed. I have not been able to obtain a copy of my file and have the fraud accounts removed from my file. I was able to have the fraud accounts blocked from my file in XXXX and Equifax but due to the suppression of my file with them and my file being handled by a department that is never able to take my call and due to the corona virus situation it has only made it even more dificult for me to resolve this matter with them even worse. 

Based on my resolution with Equifax and XXXX the fraud accounts are as follows XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This submission is in response to a previously closed complaint  XXXX .   A loan modification was executed through a third party ( Hardest Hit Fund AKA Arizona Foreclosure Prevention ). Bank of America has refused to update my credit file according to the Fair Credit Reporting Act as late payments were reported while making payments during the program. Bank of America justification for derogatory reporting is that the modification was not completed within their business entity.     Intermittent address changes to my credit file without my explicit authorization or consent.
Product: Debt collection

This is so annoying & frustrating. Ive sent EQUIFAX multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifaxs responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned or not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has failed to comply with the Fair Debt Collection Practices Act. I have repeatedly disputed this debt. I have requested copies of the contract, payment history, and all financial statements related to this debt but XXXX has ignored these requests and so has Experian credit reporting agency. I sent a certified/notarized letter and they were received according to the tracking from the certified mail. Experian has lied about not receiving letters that I have proof that they received sooner than they claim to have received them. They have delayed and updated a fraudulent account. This was deleted by XXXX but Experian states they dont have to require documentation from the creditor. I repeatedly asked how they can verify this debt belongs to me if they dont require documentation? I was never given a straight answer. It is my understanding that the debtor has 30 days to comply and submit documentation. So if they dont require documentation, how can they leave this on my credit report? I have yet to receive the requested documents from XXXX XXXX XXXX and Experian is apparently making their own rules up. This debt should have been removed from my credit by XX/XX/XXXX but yet it continues to plague my credit. I have disputed thIs repeatedly since it was put on my credit but to no avail. There is no consistency in these fraudulent reporting practices. It is obvious that there are many inconsistencies that prove theres a problem but Experian has ignored these issues and continued to up hold this fraudulent account. I would sincerely appreciate the CFPB looking into this matter for me. I believe it could be a form of racism because I have repeatedly submitted the required documentation and nothing has been done about this fraudulent debt that was supposedly opened back in XXXX but there was no reporting of this debt until XXXX where it was dropped onto my credit and immediately went into a XXXX plus late status destroying my credit score. This is clearly incorrect and experian refuses to fix it. XXXX has failed to comply with my request as well. I have yet to receive the requested documentation. You can reach me at XXXX. I have attached the certified/notarized letter and certified receipt for Experian located aXXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you in advance for your time and attention to this matter. Have a blessed and prosperous new year. 

Sincerely XXXX XXXX
Product: Mortgage

Wells Fargo has transferred the mortgage note for the mortgage ( MIN : XXXX ) in the trust for securitization. 
Please provide me the date and the name of the trust for this securitization. 
Thanks in advance.
Product: Checking or savings account

CAPITAL ONE NATIONAL BANK ASSOCIATION, was suppose to deposit my Direct deposit to my account XXXX, XX/XX/year> through their 2 day early deposit feature. Thursday XX/XX/year> still nothing. they sent out a mass email saying it would be resolved Friday XX/XX/year> and released into that morning. It is Now Friday and i havent yet to receive a deposit or formal letter stating when my deposit will come. I am now late on my car payment and it accrues late fees DAILY. I need my funds asap for daily living.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, as required by law, offers a method to obtain free credit reports from the 3 major credit reporting agencies. It offers an online method through XXXX. However, just as I did when I tried a few years ago, when I selected free credit reports from all three agencies, after I completed the steps for the XXXX report and received it, I clicked on the tab to move on to the next report ( the TransUnion report ).  The next screen gave me the option to exit the site or cancel. It did not take me on to the TransUnion report. 

This is what the agencies do. They put up obstacles to getting free credit reports in the form of glitsches in the online process. The website does n't work and the consumer is left to use a slower and more cumbersome process, such as ordering by mail, or paying for the reports. 

This is a SCAM that the credit reporting agencies have been running for years. It happens every time I try to be my free credit reports.
Product: Mortgage

The loan number XXXX for {$190.00} says we owe {$19000.00} and behind. According to XXXX XXXX Loans we owe for XXXX XXXX, XXXX subsequent monthly installments. We have an order form signed XXXX XXXX 2013 that Mortgage Lien of XXXX will be Wholly unsecured pursuant to XXXX XXXX XXXX, and upon proof of service as required by the Court, and a hearing on the Motion having been held on XXXX XXXX, 2013 to void and release concerning Mortgage lien to the Chapter XXXX. So please remove said amount and say it was taken care of through Chapter XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. XXXX  is also reporting this same account as a duplicate but with a differing account number. Please reference partial account number XXXX. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates and reporting a duplicate account is error is seriously harming my credit score and these line item needs to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax and informed them I was unable to access an up to date credit file. When logging on to my equifax the information is from XX/XX/2020 & there are no recent reporting from my creditors. The agent was extremely unhelpful & gave me the fair reporting act script. I explained that XXXX & XXXX had received my recent updates from creditors but equifax seems to have a disconnect. I have sent my ID for verification however, they are still unable to help me. This happened to my husband & we went through 6 tireless weeks to get this resolved with Equifax. After speaking with an agent in the US this was resolved within 20 minutes. However, without being prejudice the foreign customer service agents are clearly inadequate and unable to understand my request. This is absolutely diabolical that they are responsible for managing my credit and personal information & unable to help me when needed. I need to make a mortgage application but my profile can not be accessed. I refuse to give up and will try anything to get this situation resolved. When explaining to the agent creditors can not access my profile all they say is its not locked ... clearly something is wrong because creditors are unable to access my file.
Product: Vehicle loan or lease

Company was told it is not a valid debt. Continued calling every single day, sometimes twice a day despite being notified twice to cease calls
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently disputing an account with Equifax and in light of the recent news about Equifax I decided to call them and see why my dispute was still reporting on my consumer credit report when I filed Identity theft because the account does not belong to me and Equifax is still colluding with XXXX XXXX by leaving the account on my report without providing proof that the account is mines. In have requested the description of procedures of reinvestigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( a ) I have been granted nothing in return for my request. This is willful non-compliance pursuant to15 USC 1681n. I have numerous violations against Equifax at this point. I called Equifax today and I was told that I had to send them a picture from my phone to verify my identity. That's another violation, where does it say in the law that I have to take a picture on my phone to verify my identity? I was not asked any information like my name or social security number. When I did not take the picture the agent stopped talking and remained silent. That's called willful non-compliance. Coercion tactic, which is another violation. 
I ahve attached proof of Equifax trying to get me to consent to a picture id verification.