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

On XX/XX/2022 I sent TransUnion a certified letter requesting that items that are incorrectly reporting on my report be removed. I personally wrote the letter myself, dated, included my name, address, d.o.b, ss # and the accounts in question along with a clear copy of my ID. 2 weeks later, I receive a letter in the mail alleging that someone else sent them a request on my behalf and that is the reason why no changes were made because they do not believe it was me. Wow, I definitely was not expecting that as a response and really do not know where to go from here. There are 2 collection accounts on my TransUnion where I have personally contacted the original creditor and was told that 7 years has passed and the debt was no longer collectible. I was not able to resolve the issue with a collection agency that purchased the debt so contacted TransUnion so they could help me get it removed. The following are the incorrect reporting debts : XXXX XXXX- {$710.00} XXXX XXXX XXXX- {$1900.00}
Product: Mortgage

Consumer Financial Protection Bureau Online Dispute Only To Whom It May Concern : In XX/XX/XXXX I submitted a complete modification package to Ditech Financial LLC. Over a period of several months I submitted updated documents whenever requested, such as recent bank statements and pay stubs. I also submitted with the original modification a hardship letter, whereas I explained in detail the several pressing issues I was facing such as unpaid medical bills, charged off collection accounts, and a short term employment situation that was eventually resolved. 
Through a third party power of attorney all correspondences can be accounted for, including several telephone calls where a Ditech representative suggested a streamline modification could be approved by Fannie Mae. I never received a letter dated XX/XX/XXXX where I was declined a modification based mostly on a credit score. Ditech never submitted such a letter either directly to me by regular or certified mail, or by email. Just a week prior to this date Ditech Financial LLC requested updated pay stubs and bank statements. It was during this timeline where Ditech was involved in its second bankruptcy since XXXX. 
While in the bankruptcy process Ditech tried on more than one occasion to offset and eventually release any ongoing claims pertaining to foreclosure procurements and abusive collection procedures. Decisions were handed down with the U. S. Bankruptcy Trustee in the Ditech case, as well as a state court in the Southern District of New York. 
My rights were protected while I was in the modification process as it went against the federal trustee protection of Ditech consumers they serviced loans for on behalf of Fannie Mae. My rights against this illegal foreclosure was also in violation of my rights under the amended Fair Debt Collection Practices Act of XX/XX/XXXX. 
I request intervention on this illegal foreclosure action by a multitude of federal and state agencies. 
My overall financial situation has improved significantly and my creditor collection matters will be completely satisfied by XX/XX/XXXX. 
Obtaining a modification refusal on credit score grounds is completely illegal and unconstitutional. The merits of this argument alone is enhanced simply by a defaulted mortgage history.

My income debt to income ratios are significantly improved by the settlements on all collection accounts, the pay off on all medical bills, and I brought myself back to financial wellness by using an alternative debt reduction process outside a bankruptcy petition.

I demand the reinstatement of my rights to complete the Ditech modification process, and I am going to once again submit updated bank statements and pay stubs.

Even though Ditech Financial LLC might be under new ownership, it is the responsibility of all connected parties to protect my rights under the Fair Debt Collection Practices Act, in addition to the federal trustees decision to maintain consumer rights pre-merger.
Product: Money transfer, virtual currency, or money service

This is in response to complaint # XXXX. They attempted to resolve it by providing an email address, but they refuse to answer my email. 

The document they are requesting doesn't exist. They want a bank statement with my debit card number on it, but bank statements don't have debit card numbers on them. My bank statement has my name, my account number, my routing number. And I sent them a list of the transactions for the debit card so that they could cross reference. 

Yet, they have refused to call me or email me or contact me in any way whatsoever. I can't call them because they claim the people who are overseeing frozen accounts don't have phones.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has placed an open account on my credit that shows it was opened on XX/XX/XXXX for {$230.00}. 
I paid my last and final payment to XXXX  XXXX on XX/XX/XXXX of {$75.00} and the account was supposed to have been closed. I never received any additional information about owing {$230.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I submitted a request for a copy of my consumer report via online instructions per Lexis nexus. However as of XX/XX/20 I hadnt received it. On XX/XX/20 spoke with a representative over the phone and requested a computer of my consumer report. As of of XX/XX/20, I still have not received it. On XX/XX/20, I spoke with a supervisor asking why will they not send me my report, she stated that the didnt not see a request in the system. She placed another order. On that same day, XX/XX/20, I also requested my CA residence security rights. I received that and its dated for XX/XX/20 but I still have not received my consumer report. I am despairing incorrect information on my credit report that the CRAs are saying is provided by Lexis Nexus but every time I call they say that the information that the CRAs is saying is verified by LN and is on my credit report is not on my file. I repeatedly ask for copys of my file and proof so that it can be corrected and submitted. However, I never receive it and my information is confirmed and verified every single time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act all account list below, has violated my rights. 

Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : 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  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXXXXXXXXXXX**** Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX. 

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
Product: Credit reporting

I am a victim of identity theft. I have numerous unauthorized and fraudulent accounts listed on my Experian credit report. I have sent XXXX police reports in regards to the unauthorized accounts, but the accounts is listed on my credit report. The following accounts are unauthorized, fraudulent and do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, U.S. Dept of Education/XXXX, U.S. Dept of Education/XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX , XXXX, 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

To Whom It May Concern : I have recently been informed that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings I challenge the accuracy, compliance and reportability of these listings. 
XXXX XXXX XXXX ( Paid in Full ) {$1500.00} XXXX XXXX XXXX ( Paid in Full ) {$670.00} There are no contracts, no valid claim ... accounts were settled with original creditors, never late or went into collections Grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may followthis is unlawfuldebts can not be collected twice Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide 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.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been applying for things using my information I also contacted the creditors I would to have these inquiries removed immediately these are the names of the inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. has violated my rights.

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: Student loan

On XX/XX/2023, I paid {$1200.00} towards my student loan and paid it through Ed Financial Services. The amount was deducted from my bank account but until now the payment has not been posted or deducted from my student loan balance. I have submitted bank statement to Ed Financial Services and spoke to their agents for 2 weeks now but until now this issue still hasnt been resolved.
Product: Mortgage

There has been a failure to reimburse escrow funds to the customer. 

After the sale of my home on XX/XX/XXXX Franklin American Mortgage owed me {$2200.00} as reimbursement for funds in escrow. According to my account online, two checks were made out to me one for {$32.00} ( written on XX/XX/XXXX ) and another for {$2200.00} ( written on XXXX XXXX, XXXX ). I have received the {$32.00} check but have n't received the {$2200.00} one even though the larger check was processed earlier. It is now well past the time that the company claims a customer should receive their refund ( 17 business days ). I have spoken to customer service representatives on the phone several times but keep getting conflicting information regarding when I can expect to receive my funds. One told me that I should receive a check within 7 to 10 days. Another told me that they have placed a stop payment on the check and it will take 14 days to re-process another check. I deem this poor and misinformed customer service. I have attached a copy of the {$2200.00} check that I downloaded from my account online ( but have n't yet received ). 

I would like to receive my check of {$2200.00}. I would also like the business to alter their guidance to customers on the timeline of escrow reimbursement. In this case, this timeline has been misleading.
Product: Checking or savings account

I reported to my bank on XX/XX/year> that a transaction from XXXX XXXX should have fallen off of my account. We were at this hotel however we ended up not staying because we didn't have enough to cover the deposit. The guest services manager told us that it was just a pending charge and it would come back since we didn't receive services from the hotel. It didn't, so I filed a dispute with my bank, Sofi. 

A few days later I received an email from them regarding my dispute that said " we will take up to 90 days to investigate this claim. '' I responded about receiving a provisional credit while they investigate, and received an email back telling me that it doesn't qualify for a provisional credit while they investigate. This is my first time ever disputing something on this account.
Product: Student loan

Dept of Ed - Nelnet is unlawfully reporting on my credit report. According to The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b )
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting at the list of accounts, below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. Accounts in question : XXXX XXXX XXXX # XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX ; Some accounts have inconsistencies. section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnishing an account without my written instructions. 15 USC 1681 C ( 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 conviction or crimes which antedates the report by more than seven years. 15 USC 1681 s-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 an accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a request for you to investigate the following " Unverified '' accounts listed below. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting service could fax, mail, or email in a fraudulent account. 
I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the inquiries belonged to me the first time you reported the account on my credit report. Your failure to properly verify these inquiries has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 4 business days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these things removed. 
Name of the account : XXXX XXXX XXXX Debt Inquiry Date : XX/XX/2023 ( Unverified account )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters and as well called only to get rude customer service and no help. I have a fraud alert on my credit profiles and it's frozen until this gets this resolved. I have a account that was fraudulently placed. That is linked to a mailing address ( i have never lived at ) i have provided PROOF but the credit agencies ( XXXX, XXXX, and transunion ) of my current address that i have been at for 28 YEARS. But they want me to call the FRAUD company and update my address with them. NO! i am not calling to  update that information. I'm sure you can understand why!!! Needless, to say i was impacted by the XXXX   data breach as well. THIS IS RIDICULOUS!!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

personal information iis incorrect and soes not not bwlong on my credit report names : XXXX XXXX ( incorrect ), XXXX XXXX XXXX ( incorrect ) only correct name is XXXX XXXX XXXX addresses : XXXX XXXX XXXX XXXX, MA XXXX ( incorrect ), 1942 XXXX XXXXXXXX XXXX XXXX XXXX XXXXL XXXX XXXX incorrect ), XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX incorrect XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( incorrect ), XXXX XXXX XXXX XXXX XXXX, FL XXXX ( incorrect ) all rhwae addressea arw bit mune and dobt vwlong or have nwvwr belonged to me.

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

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX
Product: Checking or savings account

On XX/XX/2024 I noticed an unexpected charge for {$1400.00} from XXXX XXXX XXXX in my checking account with USAA. I did not recognize this charge nor did my wife. I immediately called USAA to halt the charge. I could not find a website for this merchant as there are dozens of that name who all sell nothing anybody in my house would conceivably want so I could not call them to stop any order. About XXXX week later nearly XXXX boxes of larger sized diapers showed up at my house. I was able to identify who actually shipped them from the shipping label and was able to negotiate the materials to be returned to the merchant. The boxes were picked up by XXXX in XXXX and are not in my possession. USAA denied my initial claim, and then I submitted appeal evidence in the form of the email chain showing the merchandise was returned. My appeal with the evidence of the merchant taking the goods back was also denied so I am still out {$1400.00}. I am contacting the merchant to see if they will issue a refund but I do not expect a timely response from them. I am ending a XXXX year relationship with USAA over this poor service.
Product: Credit card or prepaid card

XXXX is the complaint submitted by me and the company is avoiding giving the answer or refund While on a trip to meet my daughter in USA I had no cash as I had a prepaid XXXX card I tried to withdraw XXXX XXXX from the XXXX Airport on my way back to XXXX and the ATM of Travelex no TX XXXX did not dispense the cash but deducted the cash from my account and further charged XXXX XXXX which was fradulent I lodged a complaint XXXX with the call center and also raised the dispute with my Bank and Travelex is refusing to refund the money or respond Please help as it is keeping the issue open for more than a year now
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX following the security breach with XXXX I obtained all of my credit reports and located a credit card account obtain from XXXX XXXX XXXXthat Im NOT the owner of and thats reporting negatively on all three of my credit reports. I reached out to XXXX XXXX XXXX and disputed the account as not mine. I also submitted to the credit bureaus disputes along with A fraud affidavit and police report ... Ive since been identified as a fraud victim and all fraudulent accounts on my credit has been deleted EXCEPT for the XXXX XXXX XXXX account ... Im reaching out to you all because I feel this is a last effort to get this unauthorized/fraudulent account removed from my credit report ...
Product: Credit card

I had XXXX personal accounts with Truist. I applied for a business account with Truist and was approved for {$15000.00}. A card was allegedly mailed out to me back in XXXX of XXXX which never came. After numerous phone calls and a visit to a local branch, I finally recieved my card in XXXX of that year. Being that i was aproved back in XXXX, my 0 % apr started that month and was due in XXXX of XXXX. As Previously stated I didnt recieve my card until XXXX of XXXX, which puts me 3 months behind. During Truist Fraud dept investigation which lasted upwards towards 90 days, it was determined through their investigation I was not at Fault For the unauthorize purchases that were done from that account. During that process I was required to send in the necassary documents. Police report, numerous recorded conversations with numerous departments at Truist. Truist even XXXX  me a new card after their investigation was complete, but never activated it saying that i still owed a balance on unauthorized purchases that were investigated and completed by their fraud dept. Everything im telling you is documented, and now the Corparate Department is trying to cover their mistake by voilating my consumer rights. Thinking that getting approved for a business card was a great thing for me and my family, but instead has left me in numerous debt, loss of wages, because i lost my small business, and now im also on the verge of homelessness. I done everything right, only to have Truist Corporate Dept consistently voilate my consumer rights
Product: Credit reporting or other personal consumer reports

I have an account named ( XXXX XXXX XXXX  ) on my credit report that has been cancelled for months now still havent updated on my credit report. Also I have so many inaccurate addresses on my credit report that XXXX wont let me dispute. Also I have a personal statement/ consumer report / fraud alert on my credit report I have been disputing these same items for months no RESPONSE OR ACTION HAS BEEN TAKEN. 
I was a victim of identity theft.