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

To whom it may concern : This document is a request for any information on my delinquency or derogatory behavior. I would like all information to be accurately and completely reported in accordance with all established laws and standards. If there is any potential negative information, I would like it to be verified and confirmed. I want to know the absolute truth and facts about it, even if it is certified. You need to have a process for reporting which follows the XXXX XXXX XXXX  field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate, and I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the XXXX XXXX : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report. The below-noted claims are disputed and have not been confirmed as facts. I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX  XXXX ( XXXX ) - ( XXXX ) XXXX**** here is the tracking info of the letter USPS XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

Experian Credit Bureau is refusing to obtain the proof I asked for from XXXX XXXX XXXX. XXXX XXXX XXXX has not provided me with the proof I am asking for! This collection account needs to be removed because it is fraudulent! Meaning, I did not put it there, Experian did not put it there, but Experian is allowing it to go on by not removing it immediately from my credit files or providing physical proof that the debt is valid! There is a derogatory file on my credit reports that I am swearing, is not mine. All I'm asking for, is for proof from Experian that the account that XXXX XXXX XXXX says is mine, to simply show me my signature on any agreement or contract and I will stop. But if XXXX XXXXXXXX XXXX  can not provide the paperwork that proves the debt is mine, then Experian must do what they are responsible for doing which is, to immediately Remove the Fraudulent account off my credit profile. I am asking the CFPB to please assist me with this problem as it is causing XXXX, my XXXX  and our business great harm! The file XXXX XXXX XXXX is claiming is mine, is not and either way, they must provide proof as is required by the FCRA. Thank you for your help in this matter.
Product: Checking or savings account

The Fraud via Wells Fargo started on XXXX XXXX. 
And continued to XX/XX/XXXX. 
I was notified via notification from my app that my card was declined aprox at XXXX on Sat the XXXX. I looked at my account and saw a charge for {$380.00}. In the state of WI. 
I quickly called my bank to let them know. 
I later that day received a call from a " XXXX from Wells Fargo Fraud debt ''. 
XXXX told me he was working on my case. He had ne verify whom I was via verification code he then text me. 
He assured me he was doing all he can to help me. But warmed me to stop logging on as the hackers were continually getting access to my account. He could even see that I had chaged my password and told me it was compromised and to verify it in the text verification again!! He advised me to remain OFFLINE of the WF app while they further their investigation so I would not further compromise my accounts! 
Now XXXX called me back on Monday then on Tuesday. He assured me they almost had everything resolved and almost all my money was back into my account as he continued to sending me verification codes so he could send me all the money back to my account. XXXX XXXX. 
He also had got my husband on the Line via a 3 way call to verify both our accounts info and passwords. 
By this time the scammers were apparently working every account and cleaned our everything!!! 
It wasn't untill my husband got a call while at work, on Tuesday the XXXX. The exact moment I was still online with XXXX! 
It was the ACTUAL Wells Fargo saying that my husband 's card was now being used! 
My husband text me and told me to Quickly hang up! 


That's when I called Wells Fargo fraud dept on back of my card and reported EVERYTHING!! 
As did my husband! 
We spoke separately to 2 different Fraud agents and made claims. All 3 accounts were closed and 3 new accounts were opened. 
Passwords were changed with online banking as well. 

By then it was too late. 
They cleared out {$1100.00} of my personal savings and $ XXXX of my special needs daughter 's savings. 

Wells Fargo not only is denying my claim. 
They even tried blaming my husband for part of the transitions. 

This has created sooo much financial heartache & stress!! 

I have been with Wells Fargo for nearly 30 year 's. I would think they'd have my back in a situation like this. 
But they DON'T!! 

I need help PLEASE!! 

My child 's life savings ....
Product: Checking or savings account

On XX/XX/2021 I entered an agreement and signed in good faith a contract with XXXX XXXX, property manager representing XXXX XXXX XXXX, to manage my property ( Guest house ) located at XXXX XXXX XXXX. They collected a check for the amount of {$950.00} and it has been cashed on XX/XX/2021. It was for paying {$600.00} for the city of XXXX XXXX XXXX registration processing fees and obtaining a short rental vacation permit and the remaining ( {$350.00} ) to be on hold for any unforeseen future repairs may be needed. I did confirm with the City of XXXX XXXX XXXX XXXX and nothing had been submitted for over a month and subsequently I incurred damage and financial loss of rentals income during the hot season. After numerous phones and emails, for several weeks XXXX XXXX, Director of XXXX XXXX XXXX XXXX informed me that they cancelled the contract agreement and do not wish to pursue anything further and hung up the phone. I called him back, left voice message and emailed him requesting refund of the service and had and processing fees which they never processed, and also requested from him to return the keys, contract I signed, destroy any confidential information including passwords and any other items. XXXX XXXX emailed back on XX/XX/XXXX that they will return the money but they never did. I made several requests but never received a reply or refund for the cancellation of the contract. At this time I urged PNC bank to dispute the transaction and was told in XXXX it will and have been waiting for the past 5 weeks. Yesterday I was informed by PNC bank that they denied my request and will not refund me the {$950.00}. 
I also request that XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX to return the following : 1-The original contract I signed. 2-A check for {$950.00} 3-My property key 4-Compensation and Interest for my financial loss of vacation rent. 5- An apology and statement that they will not DECEIVE further homeowners and to improve their treatments
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and XXXX XXXX XXXX XXXX XXXX XXXX XXXX it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Debt collection

XX/XX/2007 The Statement said {$1800.00} but when i call the Bay Area Credit Service they said i own {$3400.00}. when i call the Bay area credit service and told them they said its not been pay. i call XXXX XXXX XXXX the gentleman said he been working here for 2 years and don't know where to look for this account
Product: Student loan

Navient does not make IMPORTANT information available - it's not available through their website, they do not send me mail or email, and they do not call me. As you can imagine, I was surprised when my Income-Based Repayment plan expired and I received a loan bill for more than half of my monthly income. It turns out that you are supposed to renew IBR plans every year, but I wasn't informed that I needed to, and I didn't know that it had expired until the bill had arrived. Navient gets the benefit of capitalizing unpaid interest on my loan and ultimately costing me more. It's disgusting that they're still doing this after multiple lawsuits were filed ( regarding the same behavior ).
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX until the current day there have been addresses listed on my consumer report which are not my former address. My address is XXXX XXXX XXXX, XXXX, NY XXXX. I am a victim of violent XX/XX/XXXX XXXX, a crime resulting in permanent disfigurement. The address which has been listed on my report has been altered countless times and the address which is protected by state law in my state has been the same since XXXX. Each time I dispute the address which keeps getting added back as my former address, someone is adding it back immediately even before the normal time of a dispute processing. I am being severely harassed and abused by the credit and other person who keeps adding this address back. The person and persons who caused the permanent disfigurement are laughing and take pleasure in stalking me through the credit reporting agency. They are also stalking my child who is under the age of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

As Dated XX/XX/2023, I, XXXX XXXX, XXXX did not give written instructions to equifax to furnish the identified transactions on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have disputed the items below on XX/XX/2022 but the bureaus did not remove them or prove validation. 

XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

I submitted an application under the Temporary Expanded Public Service Loan Forgiveness Program to : U.S. Department of Education, MOHELA, XXXX XXXX XXXX, XXXX, MO XXXX. I have proof of delivery because I required a signature. Mohela received my application form, with all the required verification of employment, On XX/XX/2022, at XXXXXXXX XXXX 

Every time I use their website ( https : //www.mohela.com/pslf ) to check my application status, I get a message stating, " your PSLF form could not be found. '' I have proof that they received it and that " XXXX XXXX '' signed for it. Why can it not be found? 

I also have a serious concern about the fact that Mohela is suing the US Government to prevent anyone from getting their applications approved and to prevent debt cancellation of $ XXXX for anyone. There is a blatant conflict of interest here, yet from what I have seen, the CFPB has done nothing about it. 

To make matters worse, worried applicants have tried to contact so-called " service representatives '' at Mohela and can not get through. People are waiting as long as nine hours on hold and usually get disconnected with no opportunity to speak with anyone. 

This is unacceptable.
Product: Checking or savings account

XX/XX/XXXX stole money from my account, I was living inXX/XX/XXXXthen covid arrived and I moved to XX/XX/XXXX where citibank as no branches, while I was in XX/XX/XXXX I went to XXXX to see my mom sick then she passed away and for one year and half I did not use the account and citibank start to take money from my account everyone when I was back to XXXX I saw the withdrawal and I complained and they said they can not help me because the access dormant and I had to go to a branch, and they did not stop to take the money so I closed the account then I continue to complain and they said they can not do anybecause I closed the account, they where stealing from me and I could do nothing to stop them and to get my money back, I am inXX/XX/XXXX now and I can not get my money back
Product: Vehicle loan or lease

Ally bank sent me a check for XXXX so I cashed the check where I cashed it at called saying it came back and I owe fees for it being returned this place didnt contact me to tell me they canceled this check which is wrong!
Product: Credit reporting or other personal consumer reports

lam filing a complaint against XXXX XXXX and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax due to their failure to respond to my dispute letters within the required timeframe, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I mailed two dispute letters to Equifax via XXXX certified mail. The first letter, with tracking number XXXX, was delivered on XX/XX/year>. In this letter, I requested an investigation into the following inaccurate items on my report : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Public Record Reference Number : XXXX. Additionally, I disputed the following incorrect personal information : Incorrect Name : XXXX XXXX XXXX. Please remove it from my credit report. Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX, CT, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CT, XXXX ; XXXX XXXX XXXX, XXXX XXXX, CT, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, CT, XXXX ; XXXX XXXX XXXX, XXXX XXXX, CT, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CT, XXXX ; XXXX XXXX XXXX, XXXX XXXX, CT, XXXX. 
The second letter, with tracking number XXXX, was also delivered on XX/XX/year>. In this letter, I disputed the item XXXX XXXX XXXX XXXX and specifically requested Equifax to provide their method of verification. I asked for the specific date on which they initiated contact with the creditor regarding the disputed item, the complete contact information for the creditor including their business name, address, and any available telephone numbers, the full name of the individual at the creditor 's end who verified the accuracy of the disputed information, and the method ( s ) through which they communicated with the creditor to verify the accuracy of the disputed item ( e.g., phone, email, mail ). I also requested confirmation of whether the creditor supplied any sensitive personal information, such as Social Security Number, address, and date of birth, during the verification process. 
Despite providing all necessary documentation, including a copy of my photo ID, social security card, and a recent bill with my current address to help Equifax verify my identity and address, I have not received any response from Equifax regarding these disputes. 
According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my disputes, which they are required to do in accordance with the Fair Credit Reporting Act. 
I am including a copy of my dispute letters sent to Equifax, along with XXXX certified mail proof of delivery, as evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I contact Bank of America and asked for a deferment on my mortgage due to COVID. They said that they would do a one month deferment and I would need to call back the following month to have it extended for another month. Well, I never called them the following month but the ended up doing a 3 month deferment for the XXXX, XXXX and XXXX payments and my next payment would be due on XX/XX/2020. XX/XX/XXXX came by and the regular automatic payments resumed and I thought I was done with the deferment/forbearance program. Then in XXXX they didn't draft a payment, so I made one manually. That payment went to principal only and not to Principal and Interest plus my impound account. I then realized that they had stuck me on ANOTHER deferment for XXXX, XXXX and XXXX and my next payment wasn't due until XX/XX/2020. So I called them and asked to to reverse that principal only payment and have it applied to my XXXX payment. Needless to say it wasn't done. So I called again and they said they can only do that if I cancel the forbearance/deferment program I am on. I told them to go ahead I made payments for the XXXX, XXXX and XXXX payments that were deferred. Well, they took the payments for those 3 months and applied it to Principal Only again. I called AGAIN and to have the forbearance/deferment canceled, which they finally did but they canceled it only for XXXX, XXXX and XXXX. They took all the payments that they had applied to Principal and reversed them and applied them to the XXXX, XXXX and XXXX payments making me due for XX/XX/XXXX again. What they should have done was applied the payments to XXXX, XXXX, XXXX, ( XXXX was already made ) and XXXX and had me due for XX/XX/XXXX. I called again and they said they will have my case manager call me on XX/XX/2020 at XXXX XXXX  but I never got the call. I don't know what else to do as I don't want to have my mortgage have a balance that is in deferment.
Product: Consumer Loan

In XX/XX/XXXX the circumstances at the time, I had to trade cars. The dealer got my loan with Santander. the payments and interest were high but at do the time I could not do anything else. I have paid my payments but most of the money is going to interest. My son co-signed for me, but in XX/XX/XXXX, he had to file bankruptsy Somehow my car was in the middle of this and was told more than one thing. at first I was told my care was included, then it was n't, but Santander would not tell me anything about my loan, did not get statements, etc. I was to just make my payments to them. XX/XX/XXXX I made over {$2000.00} to get the payments caught up from where I was told I my care was part in bankruptsy. Santander took {$130.00} {$1300.00}. for interest. Now I just got a letter saying I need {$3400.00}. or they will get my car. I asked for a printout of my account, which they did not want to do, but finally did. That is when I saw that I owe more now than I I did a year ago. I do n't have {$3400.00} to give them by XX/XX/XXXX.