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

Am writing to file a complaint against Equifax for failing to comply with the fair credit reporting act FCRA requirements, particularly 15 usc 1681 .despite multiple written disputes regarding inaccuracy on my credit report Equifax has refused to conduct proper investigation or correct the errors as mandate by law. 
Equifax violated the following FCRA provisions Accounts needs to be removed thank you XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to pursuant to FCRA 605B ( 15USC 1681c-2 ) that you the XXXX, Transunion, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card and personal loan account opened at : XXXX XXXX  account opened on XX/XX/XXXX and has a balance of {$160.00} Account # XXXX In collections I have XXXX account that are a result of Identity Theft. From the above mentioned account. This must be removed pursuant to FCRA 605B ( 15USC 1681c-2 ) and this account has been placed in collections and are showing on my credit report as closed.. This account has resulted in several fraudulent hard inquiries and fraudulent collections and closed accounts appearing on my consumer FICO credit report. I have attached a list of hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items, I do not recognize the aforementioned accounts, collections, closed accounts and hard inquiries as reported. The accounts, collections, closed accounts and hard inquiries appearing on my credit report were NOT opened, made or initiated by me. All of these accounts, collections, closed accounts and hard inquiries are a result of identity theft and fraud, I have attached a copy of the FTC Identity Theft Criminal Complaint numbers ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are a result of identity theft and fraud.
Product: Mortgage

My contact phone is XXXX, and email is XXXX. 

I would like some assistance in obtaining a loan reinstatement quote. At the beginning of XX/XX/XXXX. I owed past due payment of {$18000.00}, currently owe {$1900.00} in attorney fees and {$320.00} in late fees. We were scheduling foreclosure mediation at which time I was prepared to pay all the charges.

Covid19 hit our country and changed the landscape. I had a cut back in hours, increased expenses and my wife was laid off. The Cares act was passed, it offered an opportunity for a forbearance so those effected could recover. The cares act specified that there were no additional late charges, and the payments under forbearance would be address in a specific way. It listed repayment options, but also listed in several locations that no lump sum
payments would be required when exiting forbearance. 

In XXXX, I felt I was approaching a time, that I could resume payments. I approached Wells Fargo about a reinstatement calculation and was provided a sum of {$34000.00}, which included the {$1900.00} in attorney fees. This figure included all months under the CARES ACT Forbearance.

This reinstatement included months currently in forbearance under the CARES Act. I was instructed that the entire amount was due, I inquired about the forbearance and was told by several people the entire mount was due, they would not address the forbearance  payments. My payments are currently in forbearance thru XX/XX/XXXX and can be up until XXXX XXXX if necessary. 

The company, Wells Fargo is demanding all payments, even the ones under forbearance be included in the amount to under a foreclosure reinstatement fee.
Product: Debt collection

I sent letters to XXXX  on XXXX XXXX XXXXXXXX to validate credit acceptance. I asked for a validation of debt owned and got no response within 30 days XXXX  stalled back and sent me a email saying nothing was done and that i can only dispute through them personally, even after sending supporting documents to prove my identity to them!! On XXXX XXXXXXXX i sent another letter and told them Under federal law ( 15 U.S. Code 1681i ). They CAN NOT DO This, and they must respond to my letters and I still havent gotten a response As of XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed some bankruptcies listed on my credit report with XXXX XXXX as they were the agency that was used to verify the information. I received a letter from them stating that the information could not be verified and and would be removed from my public record. I have included the letter that was sent to me. 


I then contacted all 3 credit reporting agencies, notifying them of the removal and they should follow suit. I receive a response from Experian on XX/XX/2018 that the bankruptcies that were listed were valid because they were verified within 30 days. 

I contacted XXXX XXXX to confirm that the removal had taken place which in fact it had. I will be receiving a confirmation letter in 7 to 10 business days. 

I then contacted a representative at experian to obtain clarification. She explained that the bankruptcies are listed as public record and that someone physically goes to the bankruptcy court to obtain this information. I then asked for that person but she failed to provide me a name. She then in turn stated that they call and obtain the information I then asked " what prompted you to contact the bankruptcy court to see if I had filed a case? '' she stated that it was public record. I then explained to her that my public record is created by some entity which they used to obtain this information. I would like to know what that is. What are your policies and procedures for obtaining public record information? She stated and continued to state that she did not have that information and no one in the office could provide me with that information. 

I took the liberty of contacting the number that is listed on my credit report for the bankruptcy court. I spoke with a representative that stated that they do not provide this information to any credit reporting agencies it has to be requested with the person 's valid information or it can be accessed a system called " XXXX '' which anyone can create profile and gain access.
Product: Credit card

On XX/XX/2016, I made a normal purchase on XXXX with my credit card as I have hundreds of times over the years. However, this time there was a problem with the way the charge was processed. With no warning or explanation to me, the purchase was processed as a cash advance, resulting in transaction fees and immediate interest charges, at a rate of 25.49 %. I first suspected the seller but had no immediate way of contacting him. So I called Barclay Bank customer service who told me that yes indeed, the seller was responsible for this. I went back into XXXX to cancel the purchase and again called Barclay to make sure that it was canceled. The rep informed me that everything was OK. The merchant had changed their " code '' and the transaction went through as a normal charge. There was no 'cash advance ' processed, no fees, no interest charges ; and yes, I would receive my miles. Today I noticed the seller had responded in an email saying that they did not process the purchase as a cash advance. XXXX was responsible. Curious, I went into my Barclay account online and saw that there was a indeed a 'cash advance ' processed with all the related fees and charges. I called them again only to be told that the conversation I had with a Barclay rep informing me that the transaction had gone through as a normal charge, had never happened. They claim to have no record of any such conversation. So, I called XXXX, who informed me that they had processed the purchase as a normal credit transaction ; and went on to say that only the card issuing bank had the option to process it as a 'cash advance '. Now because of the delay caused by the " no cash advance '' discussion, Barclay claims that I am forced to accept the purchase ( or return it at my expense if it ever arrives ) and I must pay all related bank fees. As the Barclay rep said before I hung up on her, " There is absolutely nothing we can do about this ... ''
Product: Checking or savings account

Hello, I have a major complaint/issue that I need help resolving. I will start from the very beginning. 

My dad passed away last XXXX ( 2021 ). His life insurance policy paid him out {$190000.00}. My mom was the beneficiary. My mom gave me {$70000.00}. I put {$40000.00} into the Citibank savings account. I then added {$8000.00} from my personal checking with XXXX. Then I added {$5000.00} from the same account. Well, when I added the {$5000.00} from XXXX, that was the week they changed over to XXXX bank. So account numbers changed. The deposit was denied. I wasn't sure if that was the reason why the transaction was denied, but that's the only logical reason I can think of. But something odd occured, the money got put back into my XXXX account, as it should, but my balance in my Citibank account reflected that the {$5000.00} was in fact deposited. I figured after a few days it would get deducted, as it should. It stayed there for about XXXX weeks. This was clearly a bank error. Then this week, they sent me a letter in the mail saying that my account is being closed due to fraudulent activity with the mention of the {$5000.00} deposit that was denied. That was the only thing mentioned. My account has been blocked for about XXXX days and I have no access to my money. 

I have spent hours and hours on hold with citibank, and transferred around with different people because nobody has any idea what they are talking about. Nobody could tell me why my account was flagged for " fraudulent activity ''. 

I finally got to talk to someone yesterday who gave me some information. He didn't tell me the reason it was being flagged, but he did tell me this. 

My money has been transferred to the federal government because it has been determined by the fraud department at Citibank that the money is not mine. My money isn't even with Citibank anymore, it is with the federal government apparently. 

Nobody has contacted me to get more information, or proof that it is my money. Nobody has investigated. They just snatched the money out of my account with no explanation. 
I have spoken to numerous people from citibank and nobody can point me in the right direction, they just told me to hire a lawyer. I filed a police report in XXXX XXXX, Michigan, a complaint to the FDIC, and a complaint to the comptroller of the currency. 

I have the XXXX XXXX of where the money came from and how it is most definitely my money. Please help me get my {$48000.00} back. 

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

On XX/XX/year>, I sent LEXIS NEXIS a certified mail letter, requesting to delete inaccurate/outdated personal information from my consumer report for security purposes, and LEXIS NEXIS responded to the CFPB with correspondence stating, they can not authenticate my identity and requested I send a copy of my state id and a utility bill dated within the last 60 days. I sent my state id and a recent utility bill on XX/XX/year>, and have yet to receive a response!
Product: Student loan

On XX/XX/XXXX  I spoke with a phone representative of Nelnet, who assured me I would receive paper statements in the mail, and that those statements would require a delivery time of 6-8 weeks. 

At that same time, I requested payment history from my previous servicer, Great Lakes. The response I got from the phone representative was that they " were waiting on that info from Great Lakes ''. 

After sending a follow-up email, I received an automated response about longer than usual wait times, but nothing concrete. 

It has now been over 8 weeks and I have not received any written correspondence from Nelnet, nor have I received any notification of an extended wait time. 

Additionally, on XX/XX/XXXX  I sat on the line for over an hour. The automated voice at XXXX told me wait times were 59 minutes. One hour later at XXXX, wait times were still 59 minutes. 

I suspect this servicer is intentionally under-hiring and under-serving so that interest can accrue before people can enter into repayment plans, receive all relevant documentation, or enter forbearance through other means. 

Don't worry, that didn't stop them from accepting my payment of {$11000.00} on XX/XX/. They made sure at least that part worked.
Product: Money transfer, virtual currency, or money service

XXXX money ( {$400.00} ) was not credited to my account although deducted from senders acoount.
Product: Credit reporting or other personal consumer reports

Great American Finance On the XXXX Report, the company states First delinquency was XX/XX/XXXX, and Charged-Off was XX/XX/XXXX. But my XXXX Report states First delinquency XX/XX/XXXX, and Charged-Off XX/XX/XXXX. This account hasn't been used since XXXX, so how am I delinquent in XXXX, 3 years later? I previously sent a letter via credit repair XXXX XXXX regarding the inaccuracy. 

XXXX This company is reporting XXXX accounts on XXXX and XXXX opened on different dates from XXXX and XXXX. They also stated that I made a payment of {$5.00} XX/XX/XXXX which is incorrect. They also stated that I had a balance of {$130.00} XX/XX/XXXX but they can not show me where I signed up for an account. I haven't had an account with them since XXXX. They are reporting multiple inaccuracies and I have disputed this ore than 3 times, and they are well over the 7 year mark.
Product: Credit reporting or other personal consumer reports

XXXX different credit bureaus have XXXX different things
Product: Mortgage

Applied for a reverse mortage with Mutual of Omaha this spring and first was told appraisel would be XXXX $ got first letter stating now it will be XXXX $ .Then was told by XXXX XXXX that the underwriter has a list of request that seemed very unfair we have great credit and never had issues like this before .Then XXXX XXXX informed me that the underwriter is XXXX and i feel that the underwriter XXXX XXXXXXXX XXXX XXXX investgated me and possibly looked into my XXXX posts and seen that I dont beleive in that type of acctivity and possibly made it very ulikely that i could secure the loan I did return request that they asked for and when I tried to call to see whats going on with my loan no responce .I deeply feel discrimanated against .I have purchased large loans in my past with no know issues thank you XXXX XXXX
Product: Debt collection

To whom it may Concern : I XXXX XXXX notice that on my credit report there was account reflecting being opened on XX/XX/XXXX, with XXXX XXXX online as the creditor I immediately reported this as fraud to all three credit bureaus and also to you guys I would say maybe a month or so after it seemed to had been posted to my credit report back in XXXXI never received a response of the dispute when I first initially disputed the item.I again check my credit report to see that this item continued on my report I again dispute it this time by certified mail I finally received a response XX/XX/XXXX from Portfolio Recovery explaining what the item was etc.My initial certified letter states that this item be removed that i have not open any accounts on or around XX/XX/XXXX of XXXX. This is inaccurate information that's being reporting on my credit report. Regardless of the explanation that this account is a XXXX XXXX XXXX  account this account was never opened or closed XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

XXXX XXXX Balance : {$830.00}XX/XX/XXXX XXXX Balance : {$680.00} XXXX Original creditor : GEORGIA XXXX XXXX XXXX Balance : {$640.00} XXXX Original creditor : GEORGIA XXXX XXXX XXXX Balance : {$1000.00} XXXX Original creditor : GEORGIA XXXX XXXX XXXX Balance : {$650.00} XXXX Original creditor : GEORGIA XXXX XXXX XXXX Balance : {$680.00} XX/XX/XXXXOriginal creditor : XXXX XX/XX/XXXXXXXX Balance : {$170.00} XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXX
Product: Debt collection

Contacted business R + R Collection Services through XXXX XXXX XXXX and requested proof of notification, signed certified letter etc. that shows that I was given notice before derogatory information was listed on my 3 credit bureaus. I requested that they remove upon making payment for that reason but business has refused to remove negative information.If Business can provide written proof of notice before the date they put negative information on my reports I will drop complaint immediately.
Product: Debt collection

I have sent a correspondence to LVNV Funding certified mail return receipt requesting that the alleged debt is not mine. Following the paper trail, the certified letter was signed for on XXXX XXXX, 2022. 
I also noticed that they have no disclosed to the consumer reporting agency that an Account is in dispute or even deleting the account until a reasonable investigation has been performed. LVNV Funding is in clear violation for not disclosing account in dispute on a consumers file once a consumer identifies inaccurate/unverified information on their consumer reports. 
I have enclosed a copy of the certified mail return receipt where you can clearly see that it was signed XXXX ( XXXX ) weeks ago. They have not notified me nor notify the credit reporting agencies of this unverified account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 
1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report.
Product: Checking or savings account

I signed up for Business Checking account promotion for {$400.00}. 


As of XXXX, terms are still available at this link - firsthorizon.comXXXX XXXX The requirements for the promotion were as follows, Requirement1. Deposit {$5000.00} into the XXXX  XXXX  Checking account within 15 days of the account opening. 
XXXX  : Opened account. 
XXXX  : $ XXXX deposited to the account. 


Requirement2. Maintain at least a {$5000.00} collected daily balance for the first 3 full statement cycles. 
XXXX  : Maintained more than $ XXXX up until now. 

Requirement3. Conduct 20 qualifying transactions within the first 3 full statement cycles. 
XXXX : I made 22 debit card transactions within a month of opening the account. 


As per the banker, the first two requirements were met successfully and they are claiming that third requirement was not met. 


I made a total of 22 debit card transactions within a month of opening the account. 9 transactions in the 1st statement cycle and 13 transactions in 2nd statement cycle. 
They are claiming that the first statement cycle is not considered and only 2nd, 3rd and 4th statement cycle are considered for bonus eligibility evaluation. 


I read the terms in detail and there is no mention of what defines a " Full statement cycle ''. Since I made the transactions within the first 3 statements, I should be eligible for the bonus and have been wrongly categorized as not eligible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : XXXX.