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

My XXXX XXXX XXXX was included in a theft & was wrecked and totaled out. My insurance company, XXXX XXXX, paid out a check dated XX/XX/XXXX in the amount of {$6400.00} to JP Morgan Chase Bank to fulfill the remaining balance of my auto loan. Chase reported my car loan as having not only a late payment but also the account is still open today XX/XX/XXXX almost a month later! To make matters worse when trying to apply for a new auto loan I was denied and told the reasoning was 1 ) I have an open account & 2 ) my car loan is showing my car as a repossession which literally is not true. 

I spoke to a Chase customer service agent and was told that they would back date the payment to the check date ( XX/XX/XXXX ) and any discrepancies would fall off. I filed a dispute with XXXX to report the account as closed and the results deemed the account as accurate. Not only do I have the receipt from where my insurance sent out the payment on the XXXX of XXXX, but also when I log into my Chase auto account its showing the account as closed. So Im not sure why after investigation XXXX is saying the account being open is accurate. 

I have had to fork out over {$1000.00} in rental fees because of this problem and me not being able to open a new auto loan because of this. This is unfair!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing the following accounts inwhich I deem to be fraudulent and I'm demanding that they be removed and blocked from my credit files immediately. The orginial account is from XXXX XXXX, a city inwhich I do not reside in ..someone obviously stolen my identity. Therefore, you and your companies shall remove the following unauthorized accounts.

1 ) XXXX XXXX Co {$330.00} account # XXXX 2 ) XXXX XXXX {$240.00} account # XXXX I'm requesting all documents used to open these accounts in its original form, or these accounts shall be removed/ blocked immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I enroll in Sagstream and have yet to receive a PIN number to unenroll
Product: Checking or savings account

On XXXX XXXX  I received an email from Ally stating a transaction has been declined due to insufficient funds. The transaction was for {$2700.00} and the only vendor information given was XXXX. I did not recognize the transaction, the amount, or the vendor and therefore immediately called the bank to instruct them that the transaction was fraudulent, should be blocked if it reoccurs, and that we should take proactive steps to ensure that the integrity of my account information hasnt been compromised. When speaking with the company they confirmed that there was no record of the attempted transaction, the subsequent decline, or the email communication sent to me thus leading me to the only rational conclusion that the email was fraudulent and that no such attempted transaction has occurred considering neither I nor the bank recognized the transaction. No action was taken by the bank to further protect my account or funds. On XXXX XXXX, I received an additional email and has the exact same experience when speaking with the bank. On XXXX XXXX I checked my account and saw that the exact amount of funds had in fact been withdrawn from my account via ACH. The banks failure to assist me with my two previous request resulted in the loss of funds from my account. This couldve been prevented if the banks customer service representatives had been able view the declined transaction the two previous times it was attempted and had assisted me as requested by either blocking any future similar attempts or changing my account number/debit card number to one that was no longer compromised. This loss of funds from my account at month end caused me to be unable to pay my mortgage and credit card bills this resulting in monetary penalties and fees as well as severe emotional distress.
Product: Mortgage

We sold a property in XXXX, WA, XXXX XXXX XXXX XXXX, XXXX, WA XXXX, and closed on XX/XX/2018. We contacted the Mortgage Company, Freedom Mortgage, and gave them a change of address to send our escrow refund. On or around XX/XX/XXXX my wife contacted them to verify that they indeed had our correct address and asked if they had sent an escrow refund. They stated that a check was issued on XX/XX/XXXX and mailed on the XXXX. We waited a week, and called back stating we had not received the escrow refund, but did receive other mail from Freedom Mortgage with our correct address. They said give it 5 more days and then if by XX/XX/2018, we had not received our check they could void the original check and send us a new one. The following day we received an account closing statement, with no check, so we called them back and asked if the figures were correct, they said yes, and then we inquired as to whether a check should have been in that statement and they said " sometimes ''. 
My wife called back today, XXXX XXXX, 47 days after we closed on the property, and they told her they would void the check and submit another within 10 days. I got irritated and asked why another 10 days and they said it was " Policy ''. I asked what the federal requirements were for refunding an escrow account and they did not answer the question. I then asked why they did not cancel the check when we first contacted them and told them there was an issue, they said they could not. After repeated questioning they did admit they could have cancelled the check but their policy is not to, but rather re-submit a new check after the 10 day period, meaning we would not receive our escrow refund for well over 60 days after closing. 
I went to CFPB website, found where the law states they have 20 days to return the escrow, and I am asking for your help. 
We did our part by contacting the mortgage provider multiple times to inform them of the issue, waiting patiently, and now we have been lied to concerning the policy of the company, that a check was sent when one was not, and that they had up to 60 days to refund and escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am Sending this complaint to request that the listed accounts below which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required ID information. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : Experian XXXX ACCOUNTS XXXX  XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt COLLECTIONS XXXX XXXX XXXX XXXX XXXX {$410.00} unverified debt XXXX XXXX XXXX XXXX {$1100.00} unverified debt XXXX XXXX XXXX XXXX {$2600.00} unverified debt
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX XXXX XXXX XXXX XXXX XXXX reported to Transunion that my Home Equity Line of Credit balance was changed from {$25000.00} to {$0.00}. Though this balance was updated in XX/XX/XXXX the report states that it was updated XX/XX/XXXX. This account had been Charged off XX/XX/XXXX and is now reporting Charged off XX/XX/XXXX. 

On XX/XX/XXXX XXXX  reported to XXXX a balance of {$0.00} and that the account was ( Charged off / {$25000.00} written off ) with a status date of XX/XX/XXXX On XX/XX/XXXX XXXX   Reported to Transunion a balance of {$25000.00} account with charged off status and Date Closed XX/XX/XXXX On XX/XX/XXXX XXXX reported to XXXX a balance of {$25000.00} and charged off account status. On XX/XX/XXXX XXXX reported to XXXX a balance of {$0.00}. 

When XXXX update the report to Transunion XX/XX/XXXX they updated the balance to {$0.00} they also deleted the date the account was closed. The date closed was reporting XX/XX/XXXX. Now the Transunion Credit Report is being seen by Fico and creditors as being open with a charge off date of XX/XX/XXXX. Though this was charged off XX/XX/XXXX. This also caused my Fico Score to drop significantly. 

These actions coincided with me applying for a mortgage preapproval XX/XX/XXXX. 

I contacted XXXX about this account and told them the account was reporting as open and a newer charge off date of XX/XX/XXXX they said that it is being reported correctly across the reporting agencies. They told me the information must be misinterpreted by a lender if they think the account is open since the account has a charge off status and no payment since XX/XX/XXXX. 

My issue with this explanation is they are aware that the information being reported will be misinterpreted as incorrect. Also with a date of status of XX/XX/XXXX for chargeoff how would any one know that it was actually charged off in XXXX. 

I disputed with transunion about the issue with the date closed being removed along with documentation of the incorrect date being reported for Charge Off Status and they responded that they verified it belongs to me. This leads me to believe that they did not investigate since I never disputed that it wasn't mine. 

My complaint is with Transunion and XXXX XXXX XXXX incorrectly reporting. XXXX and XXXX  are not an issue.
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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report. XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX  XXXX XXXX Balance Owed : {$800.00} ; XXXX  XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$2100.00}.
Product: Vehicle loan or lease

This complaint is in regards to a previously filed complaint # XXXX where you have all of the previous claim information. I have been in constant contact with Wells Fargo Since XXXX of XXXX regarding this complaint. I have been dealing with XXXX XXXX at the office of the president of wells fargo. I have sent him all of the necessary information he requested along with any additional information in regards to this complaint. I was promised in writing by wells fargo they would have an answer by XX/XX/XXXX. I did not get an answer and had to contact them again. I was told the process was taking longer than expected but they were still working on the issue with their legal department. I contacted them again a week later to inform them about a letter I received from XXXX and sent XXXX that information. He requested more information about the dealer which was provided to him. I was promised again he would get back to me with a resolution. I have every contact letter along with every email correspondence. The only response I received after all of this was a letter dated XX/XX/XXXX stating the issue had been resolved with the local XXXX dealer and to contact them if I was having problems making the monthly payment. Wells fargo is completely aware of the manufacture defect with this vehicle and still wants to enforce a loan on an unsafe vehicle. I have asked for a refi, which they denied with no explanation, they promised to help with the current complaint and deliberately failed to respond in a timely matter, even though they were provided with all of the necessary information requested. I have been paying for a vehicle that have should have never been sold in the first place since XXXX and have been dealing with this issue since then as well. Wells fargo does not want to help it's customers and will not do anything to remedy this situation. I have already informed them I will not continue to pay for an unsafe vehicle that has no permanent fix putting myself or my family members in harms way. Wells fargo is already in trouble for unethical business practices so it is not a surprise they will not help in this situation either. Wells fargo needs to refund all of the money I have paid for this vehicle since XXXX and cancel the loan as well. This car is dangerous and wells fargo knows that as they acknowledged it is a manufactures defect in their letter. If wells fargo does not take care of this loan asap I will contact the news, other agencies, and file a lawsuit immediately.
Product: Vehicle loan or lease

The servicing agent for Toyota Financial Services has paid property taxes on my vehicle when they are not due. They assert that they were billed for property taxes ( they were not ) and as a result, I owe them the amount of taxes they paid on my behalf. The vehicle lease originated in XXXX  and there are no property taxes for leases in XXXX. In the state of XXXX, they may be required - I'm not aware as I didn't register the vehicle in XXXX. The origination address on the leased vehicle was in XXXX   and the vehicle is for a XXXX XXXX - which is a car that runs on hydrogen gas. Currently, there are only hydrogen fueling stations in the state of XXXX and it doesn't make any sense that this vehicle will ever be registered outside of the state of XXXX. I never provided an updated garaging address but they assert that they were " pinged '' an address in XXXX and as a result paid the taxes. The vehicle has always been garaged in XXXX and has never been registered in any other state. 

I requested a verification of debt on XX/XX/19 for the property taxes owed since I never registered the vehicle in the state of XXXX. I have not received anything showing me documentation that these taxes are owed - which can only be in error since I never had the vehicle registered in the state of XXXX. I informed them both verbally over the phone and in writing ( see attachments ) They assert that the charges will remain on my account unless I provide them documentation. The burden of proof should be on the lender if they are trying to collect the debt, not the consumer. I provided the latest registration as well as the registration history obtained from the XXXX DMV showing original issue date of the plates and registration transactions on the plates. 

It is the NOT the consumer 's responsibility to take action on behalf of the lender to correct the lender 's error. I was told that the charges will be left on my account until I provide documentation the prior year registration - I no longer have. As named parties on the registration and title, " XXXX XXXX XXXX XXXX, '' they should be able to obtain this information themselves, especially with the information I provided ( plate ). 

I've attached screenshots of just written communications and payment history. The latest verbal communication occurred today XX/XX/19, where I was told the charges would be left on my account until I provide documentation - which I took as a threat as they have every power for negative credit reporting and collection of fees and interest. I advised that I have not received anything proving I owe this. I was told that these charges will remain until I furnish additional documentation. I advised that this is not an abatement request since the taxes were never due in the first place. It should be the responsibility of XXXX or their appointed servicer to resolve the issue themselves rather than to have the customer resolve the error they created. To obtain this documentation is a burden as I can't currently afford to go to the DMV in XXXX as I work in the state of XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX 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. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have a collection of a debt in my XXXX account for a debt that i don't owe from a company called Paramount Recovery System. They are trying to collect the debt from another agency called XXXX XXXX XXXX that I never heard of, never did any type of business with them before. 

I did not have any type of correspondence with the two agencies involved XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX. I don't know who they are. 

I completely disagree that i owe them any amount of money and will also contact my lawyer so they can prove that i owe them money. Bring the proof of the amount i allegedly owe them. Where the so called amount was originated and when it was originated. 

I did not receive a collection notice. I did not owe the debt and now it is on my credit report. It did not deal with any of the two agencies in the past. On the advice of my lawyer, I am filing this complaint. All my debts were paid before the statute of limitation ( 4 ) years of the state of Pennsylvania.

I don't owe any money right now other that what I am paying every month.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 


Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

I have contacted Early Warning Services 3 times over the last year, and have asked for a report so i can see why my bank accounts applications keep getting denied or frozen ( ie my current account is frozen due to a report from XXXX and the bank wants the issue cleared up before unfreezing my account ) Ive called EWS submitted photo ID and they are unable to tell me anything about the freeze, while the agents are polite they always say the same thing, my report will be mailed to me in XXXX  days, or emailed within 14 days. It has never been sent and I have called 3 possibly 4 times over the last year and never get the report.
Product: Credit card

I submitted my application with American Express with my Social Security number. I was denied my securities for reasons not stated in the Federal Reserve Act. My consumer credit transaction was denied not by the Board of Governors of the Federal Reserve System stated in Section 16 of the Federal Reserve Act. I sent two certified letters that expressed my rights as a consumer. I called American Express and spoke with an agent. The agent transferred me to a supervisor. I explained to the supervisor my rights as a consumer and she gave me an address to send a letter on behalf of the principal XXXX XXXX. I sent two letters that were received in XXXX and XXXX made a second call XX/XX/year> were a supervisor said they did not read or consider my certified letters.This is act of discrimination.
Product: Debt collection

Following company reported charge fake and fraud. the charge reported XXXX It's identity theft and wrong some amount charge which has no relation with my any service. 
I've found SUNRISE CREDIT SERVICES GROUP has did my identity thrift and harassments my credit report. 

SUNRISE CREDIT SERVICES XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NY XXXX