23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it againXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of XXXX, I was Pre-Approved by USAA Federal Savings Bank for a loan of {$380000.00}. This was based on several facts that I submitted to them in my application : Estimated Annual Self-Employed Income of {$75000.00} Credit Score of XXXX Minimal Debt ( I had a balance on a credit card of $ XXXX but I paid the credit card off each month ) Retirement Assets of $ XXXX Understanding I was pre-approved, I started looking at homes and found one with a purchase price of {$350000.00}. I made an offer and was thrilled when they accepted it. I then put my earnest money of {$3000.00} down on the house. 

After that, I paid for a home inspection for {$350.00}. Pleased with the results of the home inspection, I told USAA Federal Savings Bank I would like to purchase the home. 

My Loan Officer informed me that the next step would be for USAA to come out and do an appraisal for {$620.00}. I agreed to this, the appraisal was conducted, the appraisal matched the money I agreed to pay for the home. USAA would now move forward with my loan. 

HOWEVER, much to my surprise, after spending {$3900.00} that was not refundable, USAA Federal Savings Bank declined my loan. When I asked why, they said they could not consider my self-employment income until I had two years of 1099s to prove my income. 

This is where my complaint comes in. If USAA Federal Savings Bank had no intention of giving me a loan due to my lack of self-employment income history they : 1. Never should have pre-approved me ; They should have notified me at that time that I needed 2 years of self employment income history 2. Never should have let me put down earnest money 3. If overlooked during the pre-approval process, they still should not have let me spend an additional {$350.00} on a home inspection and {$620.00} on an appraisal done BY USAA!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. The Credit Bureau stated my account ( XXXX XXXX XXXX XXXX Acct # XXXX ) was properly investigated but how is that possible when the open date is inaccurate, the date last active is inactive, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 US C1681 Section 602 A states I have the right to privacy.

15 US C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

my credit line was decreased on my XXXX account, due to inactivity according to their representative, and they failed to notify me of the adverse action taken on my account. 

I have not missed a payment on this or any other account that I own in over XXXX years ...
Product: Credit reporting or other personal consumer reports

Experian started a dispute in XX/XX/XXXX every time I called in for updates, they just added on additional information, that was totally inaccurate. 

In XX/XX/year> and XX/XX/year> XX/XX/year> and XX/XX/year> Experian continue to sent alerts stating the inaccurate information has been updated. And the dispute is complete. 
Per 15USC 1681 ( e ) b all information must be accurate. And I as the consumer has the right to dispute inaccurate. 
For Experian to send false reports stating the investigation is complete and then post the same inaccurate information. Is against this law. They also violated 15 USC 1681 ( I ) they never investigated. They also added a FCRA as my consumer statement which is inaccurate. 
I spoke to a person named XXXX. Today she gave me a report number XXXX And stated she cant remove information that is accurate. But saw every inaccurate item as listed in the letter as me but just changed around to reflect a closed account but still listed. In addition I have attatched a letter from XXXXXXXX XXXX.. whom you may have on file, asking me to send info so I ( the consumer ) can verify who I am before giving me information they ( XXXX XXXX ) allegedly has in file about me. That they are disclosing to the credit bureau. I did send information. They never acknowledged this. In the past they have sent me a letter stating they had no information in file for me. Then how can you provide information when you dont know who I am. I have attached pages and pages of my report. 

Per 15USC 1861 ( e ) b please remove the following inaccurate information I have listed in the attached letter it has been over 5 months.
Product: Credit reporting or other personal consumer reports

I request copy of signature everything from these illegal accounts! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

XXXX XXXX XXXX Date Opened XXXX, XXXX, XXXX Balance {$270.00} XXXX XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$7600.00} XXXXXXXX XXXX XXXX {$4900.00} Date Opened XX/XX/XXXXXXXX XXXX Balance {$0.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple requests since XXXX XXXX, 2021, but the unverified accounts listed below are still reporting on my credit report and are violating FederalLaw. The XXXXExperian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 
XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

On XXXX XXXX in a pre-recorded conversation with XXXX XXXX Services Rep stated that my account was closed as vehicle was sold at a auction in XXXX XXXX, California around XX/XX/XXXX and XXXX XXXX vehicle was sold for {$20000.00}. 
I respectfully requested for a accommondation on my ADA Disability Act under Department of Justice and allow me to trade vehicle for another vehicle that is more affordable and make affordable payments because of financial hardships, Disability and Covi19 Family Pandemic issues. 

I was able to take XXXX XXXX back to the dealership in XXXX, California in XX/XX/XXXX and XXXX Dealership rep checked the XXXX XXXX XXXX Value of the vehicle and it was only {$14000.00} and XXXX XXXX XXXX didn't want to take the offer from the dealership. 

So XXXX XXXX XXXX sent their third party Tow Truck to reposses and recover their vehicle at my place of residence and Sold it at a Auction in XXXX XXXX, California. I had some personal things in the vehicle trunk that I spent about {$200.00} worth of tools, Car jump cables, water cooler and misc.items. I wasn't given opportunity to recover my personal belongings. 

I wasn't allowed as a XXXX XXXX XXXX XXXX XXXX to keep he vehicle and make affordable payments of {$300.00} a month until the Auto Loan is paid as I wasn't able to refinance because of my credit issues during XXXX Pandemic. 

On XXXX XXXX I was directed to Synergetic Communication XXXX XXXXXXXX in XXXX, Idaho, and spoke to a rep Ms.XXXX XXXX and she asked me for my Social Security and Physical Address and contact number information and I respectfully requested for collection company information and a fax number and I was given their information. 
Here is their address Synergetic Communication XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fax number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and third party collection companies has put Derogatory Negatives Remarks of collection and repossesion on my XXXX, XXXX and XXXX 
I am XXXX Lifetime and Retired and my Disability Pension Retirement is protected un der Federal and State Laws and this debt of {$5200.00} is uncollectable as vehicle was sold and XXXX XXXX sold their vehicle.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX SOUTHWEST CREDIT SYSTE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious SOUTHWEST CREDIT SYSTE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL  XXXX
Product: Student loan

Navient has recently taken over my loan that was not originally contracted with them. They have given false information on bringing my account up to date and had also been contacting a number out of service and never reached out to my secondary number when notified. I am still in school and was told if i made a forbearance payment of XXXX dollars my account would be up to date - now theyre telling me that the month of forebearance needs to be paid so i was delinquent. This has already affected my credit score once due to their neglEgence and i will not allow this to happen again. They are not even the company i had chosen to take the loan out with they bought the loans to my understanding and i do not like their customer service or the way they handle situations.
Product: Mortgage

I submitted a modification on behalf of our client on XX/XX/2016. I have been calling on a weekly basis to obtain status. We sent a third party authorization on XXXX/XXXX/16 and another on XXXX/XXXX/16. I spoke to a representative from Bank of America by the name of XXXX in the Loss Mitigation department on XXXX/XXXX/16 who advised I needed to update our authorization. I called again on XXXX/XXXX/16 and spoke to a representative to confirm they received the authorization. On XXXX/XXXX/16 I left a message for relationship manager XXXX XXXX. On XXXX/XXXX/16 I spoke with XXXX who advised that they needed additional documents. On XXXX/XXXX/16 I spoke with XXXX XXXX who advised she reviewed the documents and file was going back to underwriting. On XXXX/XXXX/16 spoke to BOA again and was advised file in underwriting. I call again on XXXX/XXXX/16 and speak to XXXX XXXX and she now tells me out of no where that she can not speak to me or anyone on this file. I ask her why not and she replies I can not. I ask well who can I speak to? She replies I do n't know. I can not give you any information. After, 5 minutes of asking her to please refer me to someone she tells me I need to speak to their counsel and when I ask for the name she says she does not have it and ca n't give it out to me either way as she can not speak to me. I am filing a complaint because we send them a borrower 's authorization to speak and handle the loss mitigation file on behalf of our client and out of no where Bank of America says they ca n't speak to us and can not provide a valid reason as to why they can not speak to our office nor to the borrower nor can they refer us to the appropriate party with a name and phone number of who we should call. We would like a status of the modification and the name, number, and email of who we need to contact on this file.
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft and Equifax, XXXX, and XXXX as well as secondary credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and  others are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. These credit cards and hard inqiruies need to be removed immediately! 

Credit cards to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. 

Inquiries to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Student loan

Hello : In XXXX I had XXXX XXXX XXXX and XXXX XXXX for 9 months. Over the course of the first couple months I was unable to sleep through the night because the pain was so bad. During that time I called into my previous loan holder, Great Lakes, and asked what I could. Instead of putting me on IBR which would have given me a {$0.00} payment, they put me on Forbearance which meant that my loan increased by over {$5000.00} in interest while I was unable to work. 

Once I was better in XXXX I realized what had happened and reached out to them. At this point they were swamped and told me that everything was on hold because of COVID and I wasn't being charged interested but that I shouldn't have been put on the Forbearance and they would open a case to get the interest wiped away. I called in periodically but nobody had any information for me and then once student loans became active again my loan was sold to Nelnet and now I have no way of getting in touch with Great Lakes. 

I'm trying to figure out what recourse I have at this point. 

Thanks.
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX Western time, two unauthorized transactions were made on my Chase checking account. One was made in XXXX XXXX, California at XXXX of {$200.00} and the second in the same location, day and time of {$300.00}. Chase Fraud called me at approximately XXXX. I told them I did not make those purchases. They closed my debit card and issued me a new one. The Following day XX/XX/XXXX they issued the credit back to my account. XX/XX/XXXX, in the evening I received a notification of insufficient funds in my account. I immediately called Chase and they stated that they reversed my claim but wouldn't give me a reason as to why. The customer service rep asked me if I put my pin number on the back of my debit card. I denied and she stated she would put that information into the claim and resubmit it. I would get an answer in 3-5 business days. Chase left me with $ XXXX in my account and continued to charge me for having insufficient funds. 6 days later I receive no information on my claim so I call Customer Service once again. They continue to tell me that my claim has been denied because my pin number was used during the transaction. Later that day I headed to the Chase Branch in XXXX XXXX, WA on XX/XX/XXXX. I talked to Personal Banker, XXXX XXXX XXXX. He seemed really surprised and stated that THREE other customers came in the last few days about the same exact issue, with the same exact transactions. It surprised me because this town is extremely small.Their fraud transactions were also made at XXXX in California. 

He continued to call chase fraud department. They didn't seem convinced.He told me that he would try again tomorrow and give me an update then. Two days later I get an update and he states that he called five different departments, and they still denied my claim, and added that one of the people he talked to would add more details about my case to the system. He advises that I call Chase Claims and see if they will reopen my case with the new details that were added. I immediately called and they stated they will not reopen my case unless I have proof of my exact location the time of the transactions. I thought that me living in two completely different states would be enough but I guess not. I also used my debit card at XXXX that same day of the fraud transaction ( XX/XX/XXXX ) at a DMV in XXXX , Washington . It clearly shows on my bank account but they still refuse to give my money back. Also my last name was changed during this process due to the fact that I'm married and my maiden name was on my previous debit card. It changed from XXXX XXXX to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Applied for an apartment, was denied due to rental history. Upon viewing my rental history report there was a delinquent account from an address I never lived at. This account need to be removed as it is preventing me from being able to find housing.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX XXXX XXXX received a letter from me via Certified Mail. I have added a screenshot of the United States Postal Service mailing information for said letter within this mailing as proof. I have also included a copy of the original letter received. My initial letter stated the following Upon reviewing my Transunion, XXXX, and XXXX credit reports, I see that your company has reported a delinquent account in my name, with an unpaid balance of {$990.00}. This account is currently showing as a collections account on all 3 of my credit reports, and has had a negative impact on my ability to receive credit approvals.

I do not take any responsibility for this debt. I have no recollection nor any written proof of ever applying for or receiving these funds in any form or fashion. I do not believe this account belongs to me, and I demand it be removed from all 3 of my credit reports immediately. 

I have attempted to reach out to your company by phone on several occasions but have not been able to speak with any representatives. Therefore, I am reaching out via this letter, demanding to see Verifiable Proof in the form of an original consumer contract with my signature on it, along with any and all supporting documentation pertaining to this account belonging to me.

I am aware that according to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), it is a federal law requirement that physical verification of the original signed consumer contract be performed to ensure accuracy of any and all debts. I am also aware that by law, your company has 30 days to complete this investigation and to mail the requested documentation back to me.

Enclosed are copies of my credit reports, showing this account for your review. Please investigate and mail the requested documentation to me as soon as possible. 

Your immediate attention to this matter is appreciated. 

At the time I am writing this letter, it is now XX/XX/year> ; 31 days after my initial letter was received by XXXX XXXX XXXX. I have also enclosed a copy of my credit report dated XX/XX/year> which shows that the disputed account below has not been removed from my credit report.
Product: Mortgage

Attempted to electronically payoff Bank of America HELOC, funds were sent from my primary bank, XXXX. After XXXX days, and confirmation from XXXX that funds had been sent, BoA claimed they had not received the funds ( told me it had likely been lost in mail ) and to cancel payment and resend. I cancelled the check on XXXX XXXX. 
For my XXXX attempt, I mailed a check with payment stub to payoff majority of account. Payment of {$10000.00} was debited from my XXXX checking account on XXXX XXXX. I called BoA on XXXX XXXX to understand why the HELOC had not been credited at which time they told me they had no record of the payment. I faxed copy cleared check to BoA and am waiting for resolution. 
My concern is that I did not " Recieve Prompt Credit for Payment '' which was debited from my account. Under most conditions, I would not have resorted to this level of escalation, but this has been drawn out for a month with little to no assistance from BoA.
Product: Credit reporting or other personal consumer reports

SEE ATTACHED FOR INACCURATE, INCOMPLETE, AND UNVERIFIABLE ACCOUNT WITH XXXX