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

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX TRANSUNION CONSUMER SOLUTIONS XXXX XXXX XXXX XXXX, PA XXXX Identity Theft Affidavit and Request for Permanent Removal of Incorrect Information under 15 U.S.C. 1681c-2 ( FCRA 605B ) Dear TRANSUNION I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request. 

Enclosed, please find the following supporting documentation : 1. A copy of my identity theft report filed with the Federal Trade Commission ( FTC ) XXXX XXXX. A COPY OF MY CREDIT REPORT copy of my identification I request that you block and remove the fraudulent accounts and any associated negative information as mandated by law. The accounts in question are as follows : 1-XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Thank you for your prompt attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act ( FCRA ), the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX XXXX XXXX ( XXXX XXXX  ) Account Type : Installment Date Opened : XX/XX/XXXX 2. Account Name : XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account Type : Installment Date Opened : XX/XX/XXXX 3. Account Name : XXXX XXXX XXXX XXXX XXXX Account Type : Revolving Date Opened : XX/XX/XXXX 4. Account Name : XXXX XXXX XXXX XXXX ( XXXX XXXX  ) Account Type : Installment Date Opened : XX/XX/XXXX 5. Account Name : XXXX  XXXX XXXX Account Type : Unsecured Date Opened : XX/XX/XXXX 6. Account Name XXXX XXXX XXXX Account Type : Line of Credit Date Opened : XX/XX/XXXX 15 U.S.C 1681 Section 602 ( A ) States I have a right to privacy.

15 U.S.C 1681 Section 604 ( A ) Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( c ) Section 605 states : no consumer reporting agency may make any consume report containing any of the following items of information ; any other adverse item of information, other than records of convictions fo crimes which antedates the report by more than several years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I deposited XXXX dollars into the ATM on XX/XX/year> and it did not deposit into my account or give me my money back. This is the second time this has happened and I was told they would fix the issue with the ATM but should also should never use the ATM and why didnt you come in. Why is it an option if their only advice is to not use it. I was told I need to wait weeks yet again for my money to be returned to me which isnt feasible in todays economy. 
Ive wasted hours of my time at this point trying to fix THEIR issue for them when in laymans terms I am the victim of theft. 
The last time this happened I was given several run around and the date in which I would get my money returned was pushed back several times. The ATM is still open with no warning signs, Im baffled how they are allowing that to happen while blaming me for using it.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I took out a loan with Rise Credit in the amount of {$2000.00} # XXXX and made my payments on time per loan agreement. On XX/XX/XXXX I paid off the loan in full and received a paid in full email conformation. As of XX/XX/XXXX, my credit report is still showing that the last payment was made XX/XX/XXXX, and a balance owed of {$1500.00}. I've called and spoke to a representative with Rise Credit several time requesting that my credit report be updated. The only thing that Rise could offer is a paid in full letter. It appears to other creditors that I'm not paying down the loan and would hurt me getting approved for other credit loans.
Product: Mortgage

Wells Fargo claims that I missed a payment on my mortgage. I have never missed a monthly payment on my mortgage, and have the documentation to prove that going back over a year. However, they continue to claim that I am behind and charge me a late fee every month. I contacted them back in XXXX and they said they would look into it, however I have never heard back from them. 

I discovered they were charging me late fees for over a year in XXXX of 2018. I immediately called Wells Fargo to figure out what was gong on. While on the phone with Wells Fargo, I went online to review my payment history. For some reason I was only able to view the previous 3 months of account activity. The very next day I went online to review my account again and was able to see ALL of the account activity going back for over a year. So for some reason they blocked my ability to review my extended account activity. I believe they were altering my payment history to avoid being caught in their scam. 

I made a mortgage payment on XX/XX/2018 in the amount of {$2600.00} I was charged a late fee on XX/XX/18 in the amount of $ {$95.00} My most recent monthly payment was made on XX/XX/2018 in the amount of {$2600.00} This has been going on for over a year. 

Wells Fargo currently says I owe : Unpaid fees / late charges {$1500.00} Total amount due to make loan current {$4200.00} Like I said, I have never missed a payment and believe they have altered my account history on both my personal checking as well as the mortgage account in order to cover up their current scam. 

In addition, I know they encourage unethical and illegal practices first hand. A year ago I noticed a new account had been opened up under my name, and was consistently being charged overdraft fees. I did not open up this account. I called Wells Fargo and asked them about it. They gave me vague answers, and removed the overdraft fees. I told them to close the checking account since I never authorized it in the first place, and several weeks later the account disappeared. However, the impact on my credit score had already taken place. 

Wells Fargo has once again altered accounts and personal finance records in order to save face due to one of their unethical and illegal banking practices.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I pulled my credit report and noticed a hard inquiry for an Equifax mortgage. I have never submitted any documentation to apply for a mortgage through Equifax. This inaccuracies has dropped my credit score. 
By reporting this inaccurate information, Equifax may be violating the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to ensure maximum possible accuracy of the information they report. Additionally, unauthorized hard inquiries can be considered a violation of the Fair Debt Collection Practices Act ( FDCPA ), if they result from improper debt collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion on XX/XX/18 and made them aware of inquiries on my credit report that I did not authorize and are a result of fraud. The inquiries and dates are as follows : XXXX XXXX XX/XX/18 and XXXX XX/XX/17. I have an active fraud alert on my consumer report with Transunion and I extended it for another 90 days in attempt to prevent any further fraudulent activity. TransUnion also has a copy of a police report on file from the related incident.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN BATTLING XXXX  XXXX  CASE FOR THE PAST SEVERAL YEARS AND ITS BEEN EXTREMLY COMPLICATED, I HAVE SUBMITTED SUPPORTING DOCUMENTAION TO SUPPORT MY CLIAM ON THIS MATTER, PLEASE REVIEW THE DOCUMENTS UPLOADED AND BLOCK THE INFORMATION REPORTING ON THE CREDIT REPORTING BUERUS.
Product: Mortgage

Wellsfargo has denied my request to do a loan modification and denied my request to do an application for a loan refinance. I have asked to do either one due to the issue listed below. At this point I am at risk for paying a much higher payment due to an error on their part. 

Wellsfargo has mishandled my loan 's escrow account. I purchased a property and they failed to give me an escrow analysis on the year mark I purchased the house. This resulted in under payment on my taxes. I notified Wellsfargo about changing insurance companies and they sent a check to both insurance companies in error ( old and new one ) causing a significant shortage that still isn't fixed. 

I spent on average XXXX minutes to XXXX hours on calls with them trying to get to someone to get this resolved. I have yet to reach anyone that can help me get a clear picture of how much I owe on my escrow. 

I need wellsfargo to stop paying out my insurance. I have already paid it for the year. I also need them to correctly caculate my insurance and give me my yearly analysis when asked to ensure I am paying the correct amount. 

I have been hung up on, put on hold, and rudly spoke to more times then I can count. I simply want to pay my mortgage and have the payment be accurate.
Product: Student loan

XX/XX/year> : {$100.00} payment on MOHELA app. no confirmation email + not showing up in my history on the website. $ taken from my bank account. 

XX/XX/year> : {$600.00} payment on MOHELA app. confirmation email received. not showing up in my history on the website. $ taken from my bank account. when I called XXXX weeks later they told me they were confused by my payment and the money my school sent them. so my {$600.00} was just floating in their system. they never saw my {$100.00}. was told report would be filed with the accounting department and it would reflect in my history in XXXX business days. instructed to make payments over the phone. 

XX/XX/year> : {$400.00} payment over the phone. confirmation email received. showed up in my history in the website. $ taken from my bank account. asked about the money from XXXX and XXXX. was told it would take XXXX days to show up. 

XX/XX/year> : {$600.00} payment over the phone. took my bank account and routing number inside of my debit card number this time. no confirmation email. showed up as {$330.00} in my history on the website. I asked again about my previous payments and she told me no reports were ever filed with the accounting department and she would send something. told it should never take more than XXXX business days. 

{$260.00} customer refund is showing up on XX/XX/XXXX, XXXX not in my bank account. never requested a refund. 

XX/XX/year> : tried to contact them over the phone and could not get a hold of a representative.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the ongoing challenges I have faced in attempting to rectify inaccurate information on my credit report. Despite my persistent efforts and numerous attempts, the inaccuracies remain, adversely affecting my financial standing. 

I have diligently followed the dispute resolution process outlined by your agency, providing detailed explanations and supporting documentation to rectify the inaccuracies. Regrettably, these efforts have not resulted in the correction of the inaccurate information on my credit report. 

Enclosed with this letter are copies of my previous dispute submissions, along with the supporting documentation, for your reference. It is disheartening to note that, despite my compliance with the established procedures, the inaccuracies persist. 

I respectfully request an immediate and thorough investigation into this matter. I expect your agency to take prompt action to rectify the inaccuracies on my credit report and to provide me with a detailed written explanation of the steps taken to address and correct the information. 

Furthermore, I urge your agency to review and enhance its dispute resolution procedures to ensure a more efficient and effective process for consumers dealing with inaccurate information on their credit reports. 

If this matter is not resolved promptly and to my satisfaction, I am prepared to escalate my complaint to relevant regulatory authorities, including the Consumer Financial Protection Bureau. I believe in the importance of an accurate and fair credit reporting system, and I trust that your agency shares this commitment. I am asking for your assistance to remove the inaccurate items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure toreverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or 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: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization. I the consumer, may have given you written, unwritten, verbal and nonverbal per 15 USC 6802. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XXXX and XX/XX/XXXX Interest mortgage ( Mortgage Loan ) processed a loan refinance for me and payed off the previous balance of my loan to my previous mortgage holder XXXX XXXX Mortgage. As commonly occurs the amount initially quoted and paid by me for the payoff was higher than the actual payoff ended up being as I paid an additional month of balance down during the time that the loan was processing. When this occurs, mortgage handlers are required to send the overpayment back to the client. I have received no overpayment back from Interest mortgage. Here are the details : Interest mortgage charged me {$400000.00} for the payoff Interest mortgage was only quoted {$400000.00} for the payoff per the payoff settlement In addition Interest mortgage was quoted interest for a further 2 weeks then I carried the loan with the payoff attached, thus when you paid you actually paid {$360.00} less than the CD settlement summary. 

Therefore interest.com owes me a settlement of {$2300.00} plus {$360.00} = {$2700.00} which I have to date NOT received. 

I contact interest mortgage on XX/XX/XXXX ( to XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX who had all previously been involved on my loan ) with all documentation of Closing document, settlement with my former mortgage company XXXX XXXX XXXX Mortgage ) and the amounts of discrepancy without response. I then contacted customer service at Interest on XX/XX/XXXX, again without response.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX there was an unauthorized transaction for the amount of {$5000.00} transferred to an unknown account as well as on XXXX XXXX another unauthorized transfer transaction for the amount of {$1300.00} to an unknown account. I've been denied on my claim and I have proof to show the transaction was not me. Below I included photos to prove that this transaction was fraud due to the transaction showing the last 4 digits of the card that made the transaction. I was never issued a card with those numbers. I also included photos of the amount that was in my account on XXXX XXXX  and after sorting through my mail I see a letter from bank of America stating they are crediting my account for the amount that was already in my account to begin with which is dated a day later on XXXX XXXX. It does not seem to make sense for bank of America to send me a letter for crediting my account with the same amount of funds that i already had in my account. All of sudden 6 days later my funds are transferred to an unknown account with a card I was never issued. My card issued to me during the time of the fraudulent transaction last four digits are XXXX and the card doing this transaction the last four digits are XXXX.
Product: Money transfer, virtual currency, or money service

I purchased a Google Play gift card online. Upon redeeming the card into my Google Play digital wallet, I receive the following : We need more info to redeem your card. 

The following link takes me to a form to fill out some information to be sent for review. However, this process is completely automated and does not yield any results. 

It is fraudulent for Google to happily sell you a Google Play card then arbitrarily refuse to let you redeem it into your wallet balance.
Product: Student loan

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602 A. States I have 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 1692 section 805 A. States that a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the consumer.