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

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete 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? 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.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF XXXX XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Hello. 

I've never lived in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX '. 
I'm living in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ', and never moved to somewhere before. 
I changed the address several times but for some reason my address keep changing to that XXXX XXXX XXXX XXXX address. 
It happened more than 5 times. 
I already contacted Chase but they couldn't resolve that problem. 
Could you please prevent changing the address to XXXX XXXX XXXX? 
I really appreciate your help.
Product: Credit reporting or other personal consumer reports

I am filing this CFPB affidavit complaint to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EXPERIAN Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

The fraudulent, inaccurate, and false information consists of : 1- Fraudulent accounts : Ability recovery services opened on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those accounts are results of identity theft and fraudulent collections appearing on my consumer FICO credit reports. I attach a list of accounts in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items.

I do not recognize the mentioned accounts, collections as reported. Those accounts, collections, appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the stated accounts, collections, are the results of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be removed immediately. 
-Please remove all non-account holding inquiries over 30 days old. 
-Please add a Promotional Suppression to my credit file.

-Please remove all accounts that are not METRO 2 COMPLIANCE Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX DL number : XXXX XXXX XXXX XXXX Please govern yourself accordingly. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Mortgage

Loan application for the refinance of an investment property. It is a really long story that started on XXXX/XXXX/16 the day I spoke to loan officer from Everbank in XXXX FL. She can talk up a storm. We scheduled a meeting and prior to that meeting I sent her all the documents and then some that she requested. What she and processor XXXX XXXX said was a simple loan has turned into a nightmare. It 's a $ XXXX refinance loan on a property that appraised higher and have owned for 10 years. I have had to send and disclose everything with the exception of the size of XXXX I wear. Not only that they lose everything. Even documents you hand them personally. Its been 83 days since we started this process and we have not closed yet. We were supposed to close XXXX/XXXX/16/ That did not happen then we were supposed to close today XXXX/XXXX/16 of course did not happen. No one notifies you of anything. I find out the information because I contact the title company. for the love of XXXX. This is the most unprofessional banking institution I have ever dealt with.The mortgage branch manager XXXX XXXX laughed today when I called him and talked to him. I CALLED HIM. He tell me they close XXXX loans a month but he does n't get involved. No wonder it is a mess. There entire operation is a mess. It 's disgraceful and misleading. I feel bad for those young couples that want to buy their first home. This bank makes it almost impossible. I am just trying to refinance a existing home. Another supervisor XXXX XXXX also in XXXX XXXX. It 's unbelievable.
Product: Mortgage

In XXXX, Wells Fargo refused to do a loan modification for my VA insured home loan under the IRRL. We were behind on payments due to my unemployment ( as a result of my XXXX and XXXX ) and they intentionally undervalued my home ( claiming it was a 3 BR/ 2 Bath single family dwelling on their report when in fact it's a 5 BR / 4.5 bath SFH ). After I challenged their assessment and requested an on-site home evaluation they moved to foreclose, forcing me to file Chapter XXXX. In XXXX of XXXX, I started having trouble making payments and reached out to several support agencies that were willing to help keep the loan current. However, Wells Fargo refused to accept these payments, only posting them on XX/XX/XXXX - ONE WEEK after they filed a motion and received approval to lift the stay on the foreclosure. NOW, they are refusing to even consider a loan modification despite me having sufficient unearned income to cover a 30yr fixed rate.
Product: Mortgage

I called Wells Fargo XXXX X XXXX and attempted to get information regarding " how to remove myself from the FHA Caivrs reporting system ''? I Filed XXXX BK in 2009 and WF has not foreclosed on the property nor has a foreclosure date to note. My info should not be associated with the FHA CAIVRS reporting as I was relieved from the obligation of debt via BK in 2009. I had the pleasure of speaking with XXXX in the Home Preservation Dept who engaged XXXX/Mgr to assist. XXXX informed me that they were going to set up a call back for tomorrow as the dept i needed was closed. XXXX/mgr then gets on the phone ( nasty tone ) to say no, you can send in a written request via fax # XXXX of your dispute ( as if my verbal is not being recorded ) and someone will get back to you in 7-10 days. He also attempted to give me a mailing address ( really in this day and age )? So I proceeded to call back and speak with XXXX, my original target who was nice at first, said he would give me the number to call in the morning, puts me on hold and then comes back with the same nasty script that XXXX/Mgr had clearly given him. I thanked him for his non assistance and hung up. Wells Fargo needs to be held accountable for damaging the economy and for simply being rude to their consumers.
Product: Credit reporting or other personal consumer reports

I have asked for this debt to be validated. The company has failed to do so under the law. Because of this adverse action i have been denied credit, employment, insurance, or other benefits based on information in a credit report. This is on all credit bureaus TansUnion, XXXX and XXXX
Product: Money transfer, virtual currency, or money service

I called XXXX on XXXX at apx XXXX XXXX  about from a customer service number I XXXX  to deal with a customer dispute for a refund. In order to get this " refund '', said person then had me download XXXX XXXX and for 1.5 hours and asked oh do you have XXXX XXXX  or XXXX. He tried XXXX XXXX  first, I didn't have it set up, then he had me go to my bank account ( First Tech Credit Union ) and XXXX him the apparent amount of the dress which I did twice, plus another {$27.00} for a total of {$490.00} in three different transactions. He had it go to a XXXX XXXX XXXX. He said I would get the money back tomorrow, and he would call back.

1. It was a fake website on XXXX with customer support for XXXX XXXX. The guy had me download the XXXX XXXX '' app on my phone so he could see everything 3. I asked for a reference number for the case and his name- XXXX XXXX XXXX I lost a total of XXXX in three XXXX transactions which I reported to my bank. 

At one point we got disconnected and he called me back from this number XXXX. I am looking at my phone records and the 1 hr and 2 min call XXXX ( a now disconnected wireless number ). I am unsure what the number was from the XXXX  page, but this is the one registered on my phone. 

The whole time, I kept saying I think I am getting scammed. Why would XXXX be so primitive to download an app and have me access my accounts and XXXX money for a refund? 

On XXXX at XXXX XXXX  as he said he would he call me again wanting to log onto the app to " ensure the refund '' was there. I had been checking and no said refund has come through. I then told him I had reported the issue to XXXX  for spoofing, to my First Tech bank where I had to change all my passwords. His anger intensified and he terminated the call. 

I was told to report to law enforcement, so I am following with this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to correct the erroneous account information, directly violating my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Refrenced accounts - XXXX # XXXX and XXXX XXXX account # XXXX This is my fifth and final attempt to address this issue before pursuing legal action. I want to emphasize the gravity of the situation and the severe consequences that will follow if Experian does not take immediate action to remove the erroneous account from my credit report. 

I urge Experian to promptly investigate and rectify this issue, adhering to the regulations outlined by the Consumer Financial Protection Bureau ( CFPB ) and the FCRA. Failure to do so will leave me with no choice but to escalate this matter through legal channels and seek appropriate remedies. 

I demand immediate action from Experian to correct the inaccurate information and restore the integrity of my credit report. I expect a timely response to this complaint, acknowledging the receipt of this letter and providing updates on the steps taken to resolve the issue. 

Please be advised that I am prepared to pursue all available legal avenues to protect my rights and seek appropriate compensation for the damages caused by Experian 's negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had already submitted a claim. Here is my claim number : XXXX. I am adding additional information that was received after the claim was submitted. Franklin Collection Services issued me a deletion letter. Thank you for your help in this matter.
Product: Student loan

Approximately two weeks ago I contacted EdFinancial to request a refund of the student loan payments I made during the pandemic. I was not provided with any timeframe for when I would receive the refund nor how. I now just received notice that all of my person information ( name, dob, social security number ) was compromised. I would like to refunded as soon as possible so that I can end my relationship with this company.
Product: Student loan

Recent conversations were initiated with PHEAA/AES. No matter who I seem to speak to in Customer Service at AES/PHEAA, the individual clearly has no reasonable expectation of respect for borrowers. Every interaction to me ends on a negative note and the Representative instead of de-escalating the situation, attempts to argue with me or become verbally agitated and/or annoyed with questions that deserve logical answers instead of opinionated ones. I have received " XXXX '' on multiple occasions who claims to be an Account Specialist. The most recent conversation, XXXX seemed to bring up past conversations trying to compare business at my Employer to business at AES/PHEAA XXXX I'm not entirely sure what the thought process was behind his motives, but I do feel each time I conversate with this individual, that his discussion points are inappropriate and fall off topic. He continues to promote himself by mentioning multiple times that he's worked at AES/PHEAA for 11 years. I still get confused with what that has to do with the complaints and concerns that I have when I call in. He also contradicts himself when he claims that he can not disclose any disciplinary action details against employees, but then he mentioned in the last conversation that a previous employee I had issues with no longer works there ( XXXX ). In the course of each individual 's duty at AES/PHEAA, it is never appropriate for employees to bring up details to the lengths that Jon went to, regardless of how long they have been at the company. There is much concern over the growing issues with customer service at AES/PHEAA . I am not an anomaly as I have heard other accounts from other individuals about the same issues. I may be one of the " few '' that actually holds people accountable for their negative actions. Any employee who is tasked with responding to this complaint is strongly advised not to ignore it and/or not to provide a canned response that appears as though the Agent never did any thorough investigation into the conversations that took place. There are still open complaints against AES/PHEAA that have yet to be answered, so I would recommend providing responses to those as soon as possible to avoid additional complaints being opened. I may initiate FOIA requests if I feel that my complaints are not being handled appropriately including a copy of all recorded phone conversations.

Thank You.
Product: Bank account or service

I have a huge amount of NSF fee 's. This bank will show a balance one day and a different one the next. They have pending transactions and then the next day they post in a different order. They have taken my paycheck. I need these funds reimbursed to me. This is causing a huge financial strain for me.
Product: Checking or savings account

My cell phone was lost and stolen. They used my phone to make transactions. They made XXXX XXXX dollars deposits to draftkings. And a XXXX dollar deposit. I never authorized those transcactions. Chase said that because previously I used draftkings they cant do anything about it. So thats like saying if I buy something at XXXX for XXXX. And then next time charges XXXX they cant fix it cause I went to XXXX before makes no sense XXXX charge was done XX/XX/year> for XXXX Other XXXX was for XXXX on the same day XXXX XXXX on XX/XX/year> for XXXX I didnt have my phone and wasnt able to access any information. On top of my phone being stolen
Product: Credit reporting, credit repair services, or other personal consumer reports

i was issued a credit card from my work in 2014 during my short time of employment, I was only an authorized user on the account it was not opened by me. The company was having financial issues so i left the job. 

i applied for credit few years ago and find out i have delinquency on my credit report, i checked my credit report with all 3 credit agencies and find out only XXXX  is showing a credit card from Fifth Third bank with status Charge Off at first i thought it was identity theft since i never opened up any credit card with fifth third bank but then after some time a bell rang and i recalled the card which was given to me as an authorized user. 
In past 3 years i have filed multiple disputes with XXXX  to remove this information from my report and it has been denied by XXXX  they keep telling me information is correct i had the card and Fifth Third bank won't allow it to be removed I called multiple departments with Fifth Third back with no luck getting this resolved on my own. 
I am very frustrated at this point and not sure where to seek help as the credit agency nor Fifth Third bank is willing to rectify the issue I was only an authorized user on the card and was responsible for any liabilities. 

Please advice. 
Thank You Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer, Financial Protection Bureau and Credit Reporting Agency, I am writing to formally file a complaint against Transunion concerning ongoing inaccuracies in my credit report, which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
On XX/XX/XXXX, I initiated a dispute regarding incorrect information related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite providing supporting documentation that substantiated me claim, This decision raises concerns about the agencys adherence to its responsibilities under Section 607 ( b ) of the FCRA, which mandates that consumer reporting agencies must ensure the maximum possible accuracy of the information they provide. 
In considering this situation, I would like to highlight the legal principle of estoppel. Estoppel prevents a party from asserting a claim or fact that is contrary to a position they have previously taken, particularly if this inconsistency would harm another party who has relied on the original position. In my case, I believe that the actions of Transunion may constitute a form of estoppel, as the agency 's initial acknowledgment of my dispute and the accuracy of my evidence should logically inform their subsequent actions regarding the accuracy of my credit report. 
Moreover, I am concerned about my privacy rights under the Privacy Act of 1974, 5 U.S.C.

552a. The presence of inaccurate information in my credit report not only misrepresents my financial status but also jeopardizes my ability to secure loans or other financial services. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, may also be infringed, as misleading information could lead to negative repercussions in debt collection processes.

Despite my attempts to resolve this issue directly with Transunion through a Certified letter, my concerns remain unaddressed. I urge the CFPB to investigate this matter, ensuring that Transunion is held accountable for its obligations under the relevant statutes. 
Thank you for your attention to this complaint. I look forward to your response regarding the steps that can be taken to rectify this situation.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The account that needs to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX