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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$2400.00} XXXXXXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX  XXXX Balance : {$730.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3800.00} XXXX  XXXX XXXX Balance : {$0.00} This account has resulted in several appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I SENT DISPUTES IN SEVERAL WEEKS AGO. THE ACCOUNTS WERE NOT PROPERLY VERIFIED, NOT DELETED AND ARE STILL REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT. THE ACCOUNTS THAT I WERE DISPUTING WERE INACCURATE AND NOT PROPERLY VEIFIED. ( I DEMAND THAT THE ACCOUNTS BE DELETED BECAUSE THEY ARE SHOWING SEVERAL INACCURACIES IN REPORTING ON MY CONSUMER REPORT. THIS A VIOLATION OF THE FCRA, AND ALL ACCOUNTS THAT ARE NOT VERIFIED AND NOT ACCURATE MUST BE DELETED AND BLOCKED FROM MY CONSUMER REPORT IMMEDIATELY. ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I ALSO HAVE AN AUTO LOAN SHOWING LATE PAYMENTS IN THE PAYMENT HISTORY WHICH IS INACCURTAE. I HAVE NEVER LATE ON ANY PAYMENT SINCE HAVING THE LOAN. THE PAYMENTS NEED TO BE UPDATED TO NEVER LATE, OK, ON-TIME IN THE ENTIRE PAYMENT HISTORY.
Product: Mortgage

In the document you sent recently, dated XX/XX/XXXX ( see below ), it states my loan # XXXX that .. my forbearance is about to expire. At the end of the month ( XXXX XXXX ). Really, Loan Care???!!! Look at the 2nd document you generated dated XX/XX/XXXX. In 3rd paragraph, it states both the loan referenced above ( # XXXX ) & # XXXX have forbearance extended to XX/XX/XXXX. So Loan Care, square the XX/XX/XXXX document forbearance expiration with the XX/XX/XXXX documents forbearance expiration dates, for both loans. You waited to generate this letter, dated about loan # XXXX forbearance ending at end of this month, on XX/XX/XXXX & then mailed it. I get it over a week later, file a written complaint thru CFPB, which you blow off & closed without reading. This contrasts to the stunt you pulled middle of last year where you generated a letter, stating my forbearance was ending, more than a month in advance ( it wasnt ). This essentially less than two week notice of forbearance ending vs, previously more than a months warning must be that exceptional service Loan Care keeps harping on. So, Loan Care, which is it??? # XXXX forbearance ends end of this month or as your letter of XX/XX/XXXX states XX/XX/XXXX??? 
Note the enclosed document dated XX/XX/XXXX, 2nd paragraph, opening sentence where Loan Care states .According to our records there is a cease & desist on both mortgage loans ..When there is a cease & desist no mail will be sent out to your address. Really, Loan Care?? No XXXX!!! Well, youre wrong once again. I stipulated quite clearly in previous communication that the cease & desist was pertaining to phone calls & emails and that I wanted only written contact via XXXX. Your company cited that in response & agreed to such. I really dont give a XXXX how you interpret something. What was agreed to in writing is what matters & you are in breach of that. Duly noted, documented for future use. 
This now makes the 7th official complaint Ive lodged against this company thru CFPB. Anyone outside of the Federal government agencies who read this, my best advice is to never do business with Loan Care & if you are then find a different company. Youve been warned.
Product: Debt collection

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These credit accounts are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an unauthorized hard inquiry on my credit report. Upon reviewing my credit report, I discovered an inquiry made by XXXX on XX/XX/ 2021, which I have no knowledge or authorization of. This inquiry has negatively impacted my credit standing and violated my rights as a consumer. 

The unauthorized hard inquiry by XXXX  has raised serious concerns about the integrity of my personal credit information. I firmly believe that this inquiry is a violation of the following laws and regulations that protect consumers in such situations : Fair Credit Reporting Act ( FCRA ) - Section 1681b : This law governs the permissible purposes for obtaining and using consumer credit information. It stipulates that a creditor must have a legitimate business need and proper authorization to access a consumer 's credit report. The unauthorized inquiry by XXXX violates this provision. 
Fair and Accurate Credit Transactions Act ( FACTA ) - Section 604 : This act provides consumers with the right to dispute inaccurate information on their credit reports. As the unauthorized hard inquiry is both inaccurate and unauthorized, it falls within the purview of this law. 
Consumer Financial Protection Act ( XXXX ) - Section 1031 : This law empowers the Consumer Financial Protection Bureau to take action against entities that engage in unfair, deceptive, or abusive acts or practices. The unauthorized hard inquiry conducted by XXXX is a clear violation of this provision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU XXXX LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX has attempted to get me to pay a debt that I settled directly with Capital One Bank back in XXXX In summer XXXX, during a pandemic, they somehow reopened my settled debt with Capital One Bank and now refuse to remove the debt from my credit report which is causing me to be denied to open other credit cards and can potentially affect my capacity to rent a new apartment.
Product: Bank account or service

Wells Fargo HELOC Submitted HLOC application online on XXXX XXXX XXXX Although Wells Fargo portal Under Review states " May take up XXXX to five days '' has been taking much longer. 
All documents required by Wells Fargo online portal were uploaded within a few days of application but the Home Equity Specialist kept asking for documents that had already been uploaded. 
A few days prior to XXXX XXXX XXXX I raised a XXXX discrimination complaint on the basis Wells Fargo asked for my XXXX divorce documents ( I 'm male ) but not those of my wife. This resulted in Wells Fargo then asking for my wife 's XXXX divorce documents. 
Every week Wells Fargo ask for more documents. 
I feel I 'm being discriminated against because I raised a complaint. 
The application process has now been three months ; Wells Fargo continue to ask for documents and still no closing date given.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX 2017 XXXX XXXX re-inserted an old debt onto my credit report and failed to notify me within 5 business days afterwards and wo n't remove this previously Deleted item.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX / XXXX ( the XXXX ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank wire, and through an intermediary named XXXX, XXXX and XXXX in the total amount of XXXX USD utilizing Chase Banks services.
Product: Checking or savings account

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Fraud Wire/ACH XX/XX/year> XXXX EST Recieved email notification of Wire recipient added, Art by XXXX XXXX XXXX Truist Fraud at XXXX EST. Notified of fraudulent recipient added, assured by fraud account locked XXXX EST Went to XXXX XXXX XXXX XXXXXXXX Truist XXXXXXXX, XXXX Ga XXXX with XXXX XXXX XXXX XXXX, contacted fraud dept again by phone, assured by Truist account was locked. Moved all funds to new account XX/XX/year> Notified by Truist by email of recipient add to XXXX, XXXX by XXXX XXXX. Truist fraud notified by phone. Assured again that account was locked. 

XX/XX/year> Notified by email of over drawn funds in account XXXX, account had {$1.00} in since XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX payments totaling {$75000.00} transferred to Fraud recipient Art by XXXX XXXX. I do not have the actual dollar amounts for each of ACH and Wire because Truist deleted said records out of my account on XX/XX/year>. 

XXXX Bill Pay added to account for {$39000.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA I was not notified of this by email and deleted the recipient after reviewing the account. 

Truist was irresponsible with my account after fraud notification. They had 48 hours to block this transfer. Truist said they locked account on Monday and did not.
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 XXXX Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Bank of America authorized XXXX XXXX transfers totaling {$14000.00} to a person unknown to me. The bank would not reverse the transactions and required me to open a claim, which they said would take up to XXXX days. They refused to even say what factors would be considered. This was a complete failure of their online security, but their only response was to file a claim. Meanwhile I am out almost {$15000.00} due to no fault of mine
Product: Debt collection

In XXXX of 2019 I purchased a phone from XXXX  on that same day they allowed someone to purchase a second phone in my name I called XXXX corporate office and the store where he phone was purchased they asked for a police report I gave them that I also contacted XXXX and sent them the police report still nothing. This action is preventing me from moving forward with my plans because its on my credit now
Product: Mortgage

My name is XXXX XXXX I had a bankruptcy discharge all of my debt XXXX XXXX XXXX including a mortgage that I had initially took out with XXXX subsequent to that the loan was given to XXXX XXXX XXXX then ultimately to Greent Tree. Green tree contacted me inXXXX of XXXX asking if I wanted a loan modification they assured me that the had no intention of reporting any late payments to the credit bureaus because it was discharged, further ore I told them I would consider a loan modification subject to them sending me a letter stating such. They furthermore assured me that if I went thru the trial process and was approved upon me completing the trial period a new loan would be issued and any activity done as a result WOULD. Be reported to the credit bureaus. They even went as far as to say that since my modification was post bankruptcy there would be a new term date and it would be treated like a new loan. I just checked my credit report and there is no reporting of on time payments as promised, the new loan has a start date of XXXX XXXX XXXX final payoff XXXX XXXX XXXX. I contacted green tree this morning and was informed that this was not the case. They are refusing to stand behind their word that due to my bankruptcy being fully discharged the loan was considered new subsequently every payment I have made on my home is now NOT BEING REPORTED. They assured me by XXXX XXXX XXXX all my payments post XXXX XXXX XXXX would be reported to the credit agencies. Please assist me in making this bank do as they agree. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA and Section 428F ( a ) ( 1 ) ( A ) of HEA of XXXX amended by HEOA of XXXX that requires the holder of the loan : must request any consumer reporting agency to which the guaranty agency or holder had reported the default of the loan to remove the record of default from the borrowers credit history. THIS CREDIT REPORTING AGENCY has violated my consumer rights pursuant to 15 U.S. Code 1692g - Validation of debts ; THIS LOAN WAS A RESULT OF FRAUD AND SCHOOL MISCONDUCT.
Product: Student loan

On XX/XX/XXXX I sent specific payment instructions to Nelnet : " I am writing to provide you instructions on how to apply payments when I send an amount greater than the minimum amount due. Please apply payments as follows : 1. After applying the minimum amount due for each loan, any additional amount should be applied to the loan that is accruing the highest interest rate. 2. If there are multiple loans with the same interest rate, please apply the additional amount to the loan with the lowest outstanding principal balance. 3. If any additional amount above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the loan with the next highest interest rate. It is possible that I may find an option to refinance my loans to a lower rate with another lender. If this lender or any third party makes payments to my account on my behalf, you should use the instructions outlined above. Retain these instructions. Please apply these instructions to all future overpayments. Please confirm that these payments will be processed as specified or please provide an explanation as to why you are unable to follow these instructions. Thank you for your cooperation. '' On XX/XX/XXXX, when checking my account I noticed that loan group F had accrued a larger than normal amount of interest : {$260.00}. Even though I was making my monthly minimum payments and occasionally making extra payments toward group F. After making an extra payment of {$500.00} on XX/XX/XXXX my due date was advanced. 

It is criminal, and infuriating that I accrued extra interest because Nelnet did not process my payment instructions. My goal is to pay my loans off early and avoid gaining extra interest by doing so. My instructions were sent to serve that purpose. Nelnet did not follow my instructions and now I owe more interest, in spite of making early payments in order to pay my accounts of early. Nelnet should be held liable for reducing my owed interest amount because of their error.
Product: Credit reporting or other personal consumer reports

My credit was frozen in XXXX. Hubby and I moved in XX/XX/XXXX. Have not had to unlock credit for many years as I am now XXXX XXXX XXXX. Experian has an old landline phone number for me. Calling and emailing has done NOTHING. I sent an overnight letter as this is causing serious problems because my husband died and I need to switch some accounts over to me. I can not reach anyone at Experian. I dont understand how someone can not reply to my numerous emails. This is truly shameful and stressful. I have a deadline and nobody reaches out to me from Experian. Please help me!
Product: Credit reporting or other personal consumer reports

I recently went over my credit report and noticed several entries on my credit report, which reflect closed, charged-off accounts with statements such as " Debt has been canceled by credit grantor. '' Upon reviewing my credit reports from XXXX, Experian, and XXXX, I have identified significant inaccuracies across multiple entries, including mismatched or incorrect dates for account opening, closing, and last activity. These discrepancies violate my rights under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ] and, in some cases, raise concerns under the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 ].

Under my rights pursuant to the FCRA, I request that you : Conduct an immediate investigation into these accounts and provide written confirmation of their accuracy, including validation of all reported information. 

Correct any inaccuracies, including but not limited to : Consistent and accurate opening and closing dates. 
Consistent and accurate dates of last activity. 
Remove any unverifiable or inaccurately reported information from my credit report. 


Under my rights pursuant to the FDCPA, I request that you : If these accounts have been transferred to a third-party collection agency, I request validation of these debts under the FDCPA. Please provide : Documentation confirming that each debt was validly charged off and canceled by the original creditor. 
Clear information regarding the current status of these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Debt collection

I am receiving repeated phone calls from Portfolio Recovery Associates phone number XXXX. These people are ruthless and need to be stopped!
Product: Debt collection

I am writing to bring attention to a concerning issue regarding my credit file. I have noticed a collection entry from your agency, which is alarming as I was not previously notified about this collection. Moreover, I have serious doubts about the accuracy of the debt being claimed. According to the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate actions to resolve this matter.