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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian and XXXX are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX Open Date XX/XX/2019 balance : {$270.00}
Product: Credit reporting or other personal consumer reports

When reviewing my credit report this morning, I saw inaccurate accounts listed, and Im unsure how they got there. I check my credit report regularly, but these discrepancies are completely unexpected. I even refreshed my browser, hoping it was a temporary error, but the accounts didnt disappear. Because of this, I am requesting a detailed review of the documents I provided to resolve the issue permanently.
Product: Debt collection

Alliance Recovery keeps calling me even after I asked them to mail me verification of whatever debt is owed. They keep referencing a payday loan that was paid off years and years ago, and the loan itself was done over 10 years ago. After speaking with them again today and asking once again to mail me verification, he told me they would be at my house at XXXX Wednesday morning and hung up on me. They've also called me from XXXX and just switched numbers. I also told them to mail me verification at that number. Also, they've called my wife in the past as well.
Product: Debt collection

This company, Trident Asset Management, previously reported on another credit bureau an inaccurate account and failed to provide any information or remove the information for the account with XXXX. After filing a complain with the CFPB on XX/XX/2020 ( Complaint XXXXattached ) and investigation, XXXX   deleted the information from my report as it was not validated or verified and there was no information about this account. Just a {$2700.00} collection appeared on my credit file. 

On XX/XX/2020, XXXX deleted the information from credit file and CFPB reported the complaint as closed. 

ON XX/XX/2020, when reviewing a new copy of my 3 bureau credit report, I noticed my XXXX credit report score had gone down significantly. Trident Asset Management has refused be lawful and has now done the same tactic by reporting this information on my XXXX credit report with a DIFFERENT ACCOUNT NUMBER, same amount. 

This creditor was required by law to advise and provide FDCPA information prior to adding to the credit report, which would have led to the ability to clear this matter prior. 

I have posted my credit report showing that when I filed the original CFPB complaint, the account number was different and the only bureau reporting was XXXX. Then on XX/XX/2020, the account was reporting on XXXX only with a DIFFERENT ACCOUNT number. 

Again, while in the process of preparing to make a significant purchase, this company has, again, added false information to my credit report with a different bureau in an attempt to extort monies assuming I am a naive consumer and not aware of my rights. 

XXXX  employee : XXXX XXXX XX/XX/2020 XXXX Eastern advised that : * This was updated on my credit report on XX/XX/2020 WITH a description that " Consumer disputes after resolution Collection account '' * They would not provide me information regarding when this account was added to my credit report, but it was NOT there prior to the original CFPB complaint * They would not provide me any information related to the information that was provided to add this to my credit profile, No promissory note, signed agreement, contract, accounting of monies, nothing This information needs to be removed and I am filing a complaint with the NC Department of Justice mirroring this complaint as well. 

The original complaint documents are attached and I refuse to go through another year of back forth with this company or a credit bureau because of this deceptive tactic.
Product: Mortgage

I want to report the mortgage company I just worked with for not following the law. I applied for and received a home cash out loan. 

My mortgage originator and company : Interfirst XXXX XXXX XXXX # XXXX Mortgage Loan Originator XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX XXXX  : XXXXXXXX XXXXXXXX XXXX : XXXX | XXXX : XXXX  I requested to review the loan documents before closing. I couldn't get anyone to respond and supply them. I had to demand that I get the Loan Document disclosure 3 days prior to closing as required by law. They finally provided it at XXXX XX/XX/XXXX. My closing was XX/XX/XXXX at XXXX XXXX. 

I wasn't able to review closing loan paperwork/promissory before closing. I only received the Closing Document the night before closing. 

I NEVER received a 3 day right to rescind. When I signed documents, I signed with an attorney that came to my home, not the one I requested, but it was too late to change the night before. 

I signed the documents, and she said she will have them witnessed when she goes home by her son. 

I didn't receive any copies of the documents, nor did Interfirst inform me there is a 3 day wait to receive funds or that I had a right to cancel. 

I continue to call and email asking about funds and how I would receive them. They did not respond to my requests. I also requests copies of my loan contact, signed documents. They have not given me them. On Monday XX/XX/XXXX XXXX informed me I had to wait 3 business days for funding. I requested my loan documents from XXXX but haven't gotten anything. 

I then called the attorney and she sent me a PDF of the unsigned documents. XXXX XXXX XXXX, XXXX. The mortgage company has sent nothing. 

As of now, I don't know how I'm supp ose to pay the loan, I don't know what my rights are. 

They shouldn't be able to not provide documents that are required by law.
Product: Credit reporting or other personal consumer reports

TransUnion continues its business partnership with XXXX XXXX. Today, I received a standard message from TransUnion informing me that a collection account on my credit report meets the guidelines of the Fair Credit Reporting Act ( FCRA ). When I called TransUnion and asked for a method of verification, they stated that they were not allowed to provide it. This debt in question is associated with XXXX XXXX, which was recently found liable for engaging in questionable debt collection practices and has collaborated with TransUnion to report inaccurate and fraudulent accounts on my credit report. TransUnion receives payments from XXXX XXXX and prioritizes their data providers over consumers. I have submitted all the necessary documentation to both TransUnion and the collection agency. According to the FCRA, the item that does not belong to me should be removed and blocked during the investigation process. However, TransUnion has refused to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership to purchase a car and I was told they would only run my credit for XXXX. However, I did not give written authorization to any of these hard inquires below, someone must have ran my credit multiple times without my permission or written consent therefore I need these removed/deleted from my credit. I tried running disputes and sending letters and they wont remove them. They didn't provide any proof showing I gave written consent nor did the credit bureaus provide evidence of their investigation that asked for. 

Please remove/delete these Credit inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

In response to CFPB complaint XXXX in which Chase alleges they neither confirm nor deny the phone conversation with demonstrably false lies made by Chase representative in a phone call XX/XX/XXXX. 
This is evidence of further Chase misconduct. Chase bank is concealing its misconduct by implying phone calls with them are not recorded for quality purposes even though I *never* opt-outed of recording my phone calls for quality purposes. 
( 1 ) Why is Chase not able to confirm what its own Chase representative stated to me on the phone dated XX/XX/XXXX. 
Even worse, XXXX a more senior representative from JP Morgan Chase Executive Office XXXX extension XXXX failed to provide me his promised follow up phone call after his initial call on XXXX XXXX XXXX  informing he receiving my CFPB complaint. XXXX promised a follow up call at conclusions of investigation. He never called. 
My position remains that chase representative explicitly promised she would ask merchant to give me refund. 
My further position is my current chase account states we resolved your dispute yet I have not received any credit. ( as attached ). 
( 3 ) How can a dispute investigation be completed in less than 30 minutes after a phone call on XX/XX/XXXX. 
Chase is aware of its wrongdoing here because Chase is in possession of all timestamps of my phone calls and email ( s ) received relevant to this complaint, chase is intentionally ignoring the timestamps for the purpose of denying wrongdoing and evading culpability. 
As alleged, and re-alleged, Chase is preventing me from opening any dispute towards the quality of the aformentioned service.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2024 To whom it may concern, On day XX/XX/2024, I looked at my report. I sent a letter to Experian on day XX/XX/2024 and here is my tracking number : XXXX asking them toreinvestigate these accounts : XXXX XXXX XXXX XXXX, sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Experian really did not reinvestigation
Product: Credit reporting or other personal consumer reports

Sloan Servicing XXXX Department of Education has failed to place the correct loan status of forbearance on my credit reports with XXXX, XXXX, and XXXX XXXX Sloan Servicing XXXX has failed to furnish all Promissory Notes and Master Promissory Notes and all Payoffs received on all loans be serviced by Sloan Servicing XXXX Department of Education.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth try to inform you that I am a victim of identity theft and I complain to question particular records in my document discovered because of some inattention. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud. 
XXXX XXXX Date of Inquiry : XX/XX/2021 ; XXXX  Date of Inquiry : XX/XX/2021 ; XXXX  Date of Inquiry : XX/XX/2021 ; XXXX  XXXX Date of Inquiry : XX/XX/2021 ; XXXX Date of Inquiry : XX/XX/2021 ; XXXX Date of Inquiry : XX/XX/2021 ; XXXX XXXX  XXXX Date of Inquiry : XX/XX/2021
Product: Checking or savings account

In XXXX of 2021 my college savings account was breached and scammed of over {$14000.00}. I immediately went straight to my bank and submitted files of fraud and talked with a representative over the phone who helped me summit my complaints of the fraudulent transactions and we made new accounts, passwords, and locked down my old accounts so that whoever did this was unable to do anymore damage. Ally also provided me the full provisional credit of the money lost while they were investigating the fraudulent transaction. When XXXX came, I was finalized roughly $ XXXX {$6000.00} worth of the money that was lost on the same date and time of the scam by the user that breached my account. However over {$9000.00} that was lost on THE SAME DATE AND TIME DUE TO THE SAME FRAUDULENT ACTIVITY TO THE SAME MERCHANT was deemed to be approved because I had " relationship with the merchant ''. This makes no sense whatsoever and is unfair to me as a loyal customer especially when Ally Bank is FDIC covered and I have never had history of such transactions or any problems like this before. These accounts are strictly used for college and college purposes only and my past transactions with these accounts clearly show this! I complained once more with Ally, and they told me to talk with the merchant and I did, and the merchant said that someone created an account under my name and basically catfished my identity. The merchant that this person used was a cryptocurrency service and said that they couldn't return my money because it is impossible... I've try working with Ally since XXXX to please help fix this mistake and they are unwilling to cooperate or change their decision. This is now my second complaint being summited to the FDIC and I ask for more to be done because this is an unacceptable loss of money by a bank who is covered by fraud protection. They even determined that whoever committed the fraud had internal access! Again, Ally 's dispute team is unwilling to work with me anymore and I ask that you please step in and resolve this huge mistake. I have read Ally 's documents and agreements and they cover % XXXX fraud protection GUARENTEE and they are FDIC covered of up to {$250000.00}. I can not except this and will keep sending complaint after complaint until this misunderstanding is resolved...
Product: Credit reporting, credit repair services, or other personal consumer reports

PHH Mortgage reported XXXX late payments on my credit report for XXXX and XX/XX/XXXX on XX/XX/XXXX. I had contacted the company in XXXX and faxed my legal name change paperwork and XXXX XXXX military orders ( with PHH acct. num. ) to have payments differed until after my orders ended ( I.A.W. -CA Families Financial Relief Act ). 
In XX/XX/XXXX I noticed the late payments on my credit report and I called PHH to inquire as to what happened. They said their was a miscommunication on their end within their departments ( perhaps due to the name change ) and my deferment wasn't processed. They apologized, corrected the deferment ( currently no payments due until XXXX XXXX ) and refunded any late penalties that were on my account. My account is now in good standing with no history ( on their end ) of late payments. 

However, I can not get the late payments off of my credit report. PHH customer service says they can only offer a letter that states the late payments were inaccurately reported ( which I turned into XXXX and it did no good ). PHH states they have no way to call XXXX to verify the letter. Their research department handles credit bureau reporting but they only have a fax number or an address for snail mail. 

In summary, PHH 's research and customer service departments are not communicating. The research department most likely thinks the late payments are accurately reported while the customer service department disagrees. I tried to see if we could do a conference call with myself, PHH customer service and XXXX to get the mess sorted out but XXXX said they are not allowed to talk to third parties.
Product: Debt collection

Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.. I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2.

I have recently obtained a copy of my credit bureau report. The report showed a credit collection/chargeoff in the name of your company. Be advised this is not a refusal to pay OUTSTANDING Until verification or the result of the investigation is completed and sent to the individual, we are requesting deletion ( XXXX ). If you are unable to provide me with the proper PROOF ; then you must stop attempting to collect this alleged debt and remove it immediately from my consumer reporting agencies ( CRAs ).

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts You have thirty ( 30 ) days from receipt of this notice to respond, during which time all collection activity must desist. Failure to respond in writing, hand-signed, and promptly, will be considered a waiver to all your claims in this matter, and will entitle me to presume you placed this on my con Please forward your documentation to me upon receipt of this certified letter. Please note that proper documentation is NOT a printout or bill from you but actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRAs electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Product: Checking or savings account

Bank Of America pulled my credit with on my consent. I have sent out letters to the company they have ignored my request to remove the hard inquired on my credit report,
Product: Credit reporting or other personal consumer reports

I filed a report at the government website, identitytheft gov and i sent it to the bureaus. my credit report had fraudulent accounts. The accounts where removed, but a few weeks later they where placed back again. I filed another report at the goverment website. i also was made aware that my information was leaked during an XXXX data breach.