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

This is a response with the complaint that was filed on XX/XX/22. The Bureau stated Account Name and Account number was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. 

They also violated my rights under 15 U.S.C 1691 Section 604 A Section 2 : They law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 U.S.C. 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 U.S.C. 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified, they consumer reporting shall promptly delete the information from the file of the consumer.

This also violates the statue of limitations - Fair Credit Reporting Act - 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] I have included the supporting evidence with the discrepancies circled. The credit report with the date of XX/XX/22 was submitted initially. The report dated on XX/XX/22 shows there are still discrepancies and even thought the stated they verified and updated. They did not.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute several fraudulent accounts appearing on my credit reports with XXXX, Equifax, and XXXX. These accounts were opened without my authorization, and their continued reporting violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and other federal laws.

Accounts in Dispute XXXX XXXX Account : XXXX ( XXXX, Equifax , XXXX ) XXXX XXXX XXXX  Account : XXXX ( XXXX, XXXX ) XXXX XXXX XXXX  Account : XXXX ( XXXX, Equifax, XXXX ) XXXX XXXX XXXX  Account : XXXX ( XXXX, Equifax, XXXX ) XXXX XXXX Account : XXXX ( XXXX, Equifax, XXXX ) XXXX XXXX Account : XXXX ( XXXX, Equifax, XXXX ) XXXX Account : XXXX ( XXXX XXXX XXXX ) XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX ( XXXX, Equifax, XXXX ) XXXX XXXX XXXX  Account : XXXX ( XXXX XXXX Equifax, XXXX ) XXXX Refusal to Investigate XXXX  has responded to my valid disputes with an automated email falsely stating : We are responding to your request that information in your personal credit report be blocked due to identity theft. Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation, or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block.

Therefore, we are declining your request to block one or more of the items of information.

This is an unlawful denial of my rights under 15 U.S.C. 1681c-2, which requires credit bureaus to block fraudulent information upon receipt of proper documentation. My identity theft report is valid, and XXXX refusal to conduct a manual review is a blatant violation of the following laws : 15 U.S.C. 1681i ( a ) ( 1 ) Failure to investigate disputed information properly.

15 U.S.C. 1681e ( b ) Neglecting to ensure maximum possible accuracy in reporting.

15 U.S.C. 1681n Willful noncompliance with the FCRA.

I request the CFPBs immediate intervention to ensure the removal of these fraudulent accounts from all three credit bureaus and to address XXXX failure to comply with federal regulations.

Thank you for your time and attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2023. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

We had a lease of a XXXX XXXX, beginning in XX/XX/XXXX. My husband incorrectly believed he had set up direct deposit for recurring payments to the lease. On XX/XX/XXXX, we noticed the car was no longer parked on our property and learned it had been reposessed by Volvo due to lack of payment. My husband called and said we would pay the amount owed ( {$5500.00} ) as well as any penalties for our mistake.

We were then informed by Volvo that they had tried to contact us ( one letter and one phone call ) and we must pay off the call in full, or it will go to auction. We never received any letter detailing this and my husband answered the call, said to call back as he had a work call, they did not detail what it was about and did not call back. 

We are in possession of a letter, which we faxed to the leasing agent, which is an invoice for lease payments ( {$4300.00} ) plus a {$60.00} late charge DUE XX/XX/XXXX. Our car was seized from our property 5 days prior, on XX/XX/XXXX. 

We faxed this letter to the leasing company and have tried repeatedly to speak with a supervisor, who is always " busy '' and whose line or direct contact information has not been made privy to us, despite numerous requests. 

The most recent communication we had was outlining $ XXXX with only a {$60.00} late charge, now we're being told we must pay $ XXXX or have the car go to auction- at which point we will be responsible for any balance under a selling price of {$65000.00}. The punishment far outweighs the " crime '' and we are asking for help in negotiating that we settle up at the requested {$5500.00}, have our car returned to us, and restart our lease with autopay correctly setup.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX was removed and then added back. This is against the law. Please remove and leave it off. Thank You ... .XXXX XXXX XXXX XXXX and everytime I come back I have to fight this. XXXX XXXX
Product: Debt collection

I C SYSTEM ( Original Creditor : XXXX XXXX XXXX  ) XXXX Collection {$1200.00} I C SYSTEM ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$310.00} XXXX XXXX XXXX XXXX Charge-off XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

30 days ago I submitted a dispute with equifax concerning XXXX XXXX XXXX. They are attempting to collect a debt that was the result of identity theft. I explained that clearly to equifax and also attached a police report confirming my stolen identity. I also clearly explained that at the time of the incident I was living in California, not in XXXX XXXX  united states, and for me to travel there for XXXX services is  unthinkable. However, no information was given to me as to why the account was verified as accurate. All I was given was an address to a small time collection agency who did not want to delete the account and asked me to pay for the fraudulent account.
Product: Credit reporting or other personal consumer reports

I've been dealing with incorrect information on my XXXX credit report for months doing several disputes. I contacted Ed Financial twice within the past month to have it corrected on their end and was told during my second phone call that it was correct on Ed financial 's end however it is not. The account is closed and paid in full but it shows in XXXX as mixed information with an account that is currently open. Ed Financial does not show one {$3500.00} payment that was made but it does show that it was paid in full and closed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX  ) has used my identity to establish these accounts with out my authorization, these accounts is fraudulent, i did not open this account and i want it removed from my credit report, my information has been leaked on thr dark web and it has been used to open numerous accounts in my name, i have reported this to thr sheriffs department, if this account is not removed i will send a letter of intent to XXXX  in court or by arbitration by XXXX  to companies expense, i do not tolerate my information being used fraudulently to open any accounts in my name, i have tried numerous of times to talk to this company they have failed to recognize with information i sent them i an a victim of identity theft and my information is being used and stolen by someone, please remove these accounts XXXX  and Transunion has failed to delete these accounts they have damaged my information and life i am a veteran im being taking advantage of please remove account
Product: Credit card or prepaid card

A purchase was made from XXXX on XX/XX/XXXX using my credit card, phone number, email, and billing address, but with a different shipping address. Total amount : {$840.00}. XXXX has already shipped. 

Another charge from XXXX XXXX on XX/XX/XXXX for {$740.00}. 

Reported both purchases to credit card company on XX/XX/XXXX. 

Investigation ongoing XX/XX/XXXX. Credit card company suggested I also open a case with the FTC. Trying to intercept package from XXXX to return to sender.
Product: Mortgage

My home loan was originated with XXXX XXXX XXXX XXXX XXXX My loan was sold to PHH Mortgage Company in XX/XX/XXXX. I sent my first payment to XXXX XXXX since I received the notification of transfer after I sent my payment XX/XX/XXXX. I sent XXXX payment XX/XX/XXXX. I send my XXXX payment XX/XX/XXXX and my XXXX payment XX/XX/XXXX. When I called to make my XXXX payment, I was notified the XXXX payment was not received and I was past due. I was told by a PHH representative they did not receive any funds. I paid my payment for XXXX XX/XX/XXXX and spoke to a representative concerning the check written XX/XX/XXXX that was electronically deposited XX/XX/XXXX and that there was a payment received, although the electronically deposited amount was {$900.00} less than the amount of the mortgage. The funds that were electronically deposited were applied to principle, although I never ask for this and when I asked where the XXXX was, they denied receiving any funds. After a very length conversation, I was asked to email a carbon copy of the check I had written, and their research department would investigate this and possibly revers the fund being applied to principle. I send a carbon copy of the check, proof of electronically deposited funds from my bank statement to the email given to me XX/XX/XXXX, which did not work. I reached out to XXXX XXXX with XXXX XXXX ( originating loan officer ) XX/XX/XXXX to notify him of the struggles I am having with this new mortgage company. XXXX XXXX quickly called me and has assisted me with getting an accurate email to send the requested information to and this was sent XX/XX/XXXX. XXXX XXXX assisted with starting the process to refinance my mortgage. XX/XX/XXXX I had communication with XXXX XXXX concerning PHH saying I was greater then 30 days late on several payments and I was unable to refinance until this was rectified. XXXX XXXX and I called PHH to address these issues. We did use an escalation manager and after a lengthy conversation I made a payment of XXXX to cover the {$900.00} from the XXXX payment and the {$2000.00} was applied correctly and this also included my XXXX payment. PHH agreed to reverse the 30 days delinquent notice on my credit and charged me a {$340.00} late fee. XX/XX/XXXX XXXX XXXX and I called to address the late fee charge and after a lengthy conversation they credited {$50.00}, but would not reverse the fee. I made my XXXX payment XX/XX/XXXX. I received my XXXX statement and there is an additional {$65.00} total new fees and charges, {$30.00} Assessed expenses charge and {$230.00} ; Outstanding Unpaid Late Charges, Returned Items Charges, Shortages and Other Fees. XXXX XXXX and I called again to inquire about all these additional fees and charges. We were told the {$30.00} assess expenses charge was for a third party to drive by my home and ensure I had not caused damage to the property and there was zero cooperation when addressing these continued fees and charges.
Product: Consumer Loan

I should have walked away when processing the loan. In order to be financed, I was required to purchase an expensive extended warranty that I did not want, and expressed I did not want. Then, somehow XXXX gained access to my personal information in the loan application and started calling my employer trying to sell me service ( got me in a lot of trouble at work ). I thought that was private information. In addition to the extremely high interest rate ( which was my fault for agreeing to-I understand that ), if you are late, they hit you with incredibly high fees that can exceed your actual payment. When my husband lost his job, I fell behind on my payments. They called me XXXX a day, even after making payment arrangements. I had to request they contact me by email or mail, and not by phone because they were harassing me. They did not like that. Even now, when I call, they do n't want to talk until I give them a number to call me on. Then, without warning or notice or anything, they repossessed my vehicle when it was only a month past due. Stay far far away from this scam of a company. It 's like making a deal with the XXXX himself.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing my account as " dismissed '' in the comments and " Derogatory '' as a condition. I had disputed the account with XXXX  once, but they listed the account as in dispute and I'm applying for a loan and had to remove the dispute. XXXX is no longer in business or filled bankruptcy and XXXX  didn't update. 

This loan was list in XX/XX/XXXX to be included in a bankruptcy ; the bankruptcy was dismissed XX/XX/XXXX. At the time XXXX owned the mortgage and transferred it to XXXX XXXX who then merged with XXXX. XXXX transferred this account to Select Portfolio Services in XX/XX/XXXX. See notice of transfer from SPS. SPS never had the account listed as dismissed. 

I need the account to remove " dismissed '' from the comments and remover derogatory. This has caused my credit score to drop and I have to pay higher interest. Caused multiple pulls from the mortgage company. And the loan could be denied.
Product: Checking or savings account

On XX/XX/XXXX, {$2500.00} was fraudulently transferred from my son 's 5/3 Bank Account to my wife 's 5/3 Bank account - and the then 2 amounts totaling {$1000.00} were fraudulently transferred by XXXX to XXXX XXXX ( XXXX ) XXXX with payment ID XXXX and XXXX. I immediately contacted 5/3 bank that day to dispute the charges. I was told that I could not dispute them until they posted to the account - and to call back once they posted. They came out of pending status and I contacted 5/3 Bank again and filed the dispute. The claim number is XXXX. I was told the investigation takes 10 business days and that they need the 10 days to " try to get the money back from XXXX ''. 

On XX/XX/XXXX, I contacted 5/3 and was told by a member of the Dispute Team named XXXX that my fraudulent charge claim was denied because I replied to a text about the charges with an authentication code. According to XXXX, this charge would not have been allowed to go through unless I responded to the text message with the authentication code. According to XXXX, this code was sent to my phone number ending in XXXX and was responded to at XXXX. I collected all of the phone records from XXXX XXXX  and reviewed the time in question. No messages were received or sent in that time frame from 5/3 or anyone else. I filed a dispute with 5/3 and emailed them my entire text message record as well as screen shots from my phone, clearly showing that no text messages were received from 5/3 and at no time did I ever send a verification text to 5/3. I was told they would need 30 business days to investigate.

As of the 30th business day I had not heard from anyone. On XX/XX/XXXX, I received a letter from 5/3 dated XX/XX/XXXX. The letter stated that my dispute was denied. The letter concluded with the line, " Please let us know if you have questions or would like copies of the documents we used in our research. '' On XX/XX/XXXX I contacted the dispute team and asked for copies of those documents. I was told by XXXX that there are no documents and what I received was a form letter. When I challenged this, she transferred me to her supervisor, XXXX, who confirmed that there is nothing they can send me documenting the investigation process or what specific proof they are basing their denial on. She suggested I go to the branch office and they may be able to let me look at their computer and see the outgoing text message that was sent to verify the transaction and the alleged verification that came back from me. I assured her that, having been in a 5/3 branch office, I was certain that no one there would do this for me and they certainly would not let me sit behind their computer. XXXX said that she would send a request back to the investigator to see if they could produce any documentation and that I could call back in 2-3 business days to see if she was able to obtain that. Each call is between 20-30 minutes on hold before I can speak to a member of the dispute team.

It's obvious that 5/3 will continue to drag their heals and have no intentions of returning my money. Please help!
Product: Credit card

discoved action on XXXX  attached to my soc.sec., imediately notified capitol one of fraund info and requested investigation, as per there instructions fax and mailed all hard copies of i.d.and soc.sec. info as well as specific request for all documentation regarding this account? and had opened case with local police and attempt to go to d.a ... ..wait 7 days for all request.Instead got letter in mail saying they closed investigation and i owe XXXX with no info requested, and stonewalled me! Exactly why i would never deal with Capitol One in firstplace!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, About a week ago I found out that my Experian account had been combined with someone else 's because I was rejected for a refinance loan. Experian has attempted to correct my information but not accurately. When asked, they couldn't give me a straight answer as to how this could have even happened. I've had to spend over 4 hours of my time dealing with this and it's still not corrected. Experian doesn't offer call backs from their reps so I have to sit and wait for sometimes 20+ minutes to only be hung up on because their wait times are so long. As a result I've been denied a refinance loan when I should have been approved, and wasted hours of my time on this. 

This is ridiculous that we aren't able to opt out or receive recompense when credit reporting agencies are responsible for making sure our information is 100 % accurate. How this could even happen I don't understand since the person who's information I was combined with doesn't even have the same first or last name as I do. Credit reporting agencies need to be held responsible for these mistakes and people who are affected shouldn't have to be inconvenienced for something we don't even want and are unable to opt out from. 

Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous XXXX XXXX accounts reporting on my consumer report. These accounts are hurting my credit score and are not equitable to me as a consumer. I need them deleted from credit file immediately as I have not granted credit reporting agencies consent to furnish these accounts on my report. As a consumer have a right to privacy pursuant to the Fair Credit Reporting act 15 U.S.C 1681b : any consumer reporting agency may furnish a report under the following circumstances and no other. 

1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 

2. In accordance with the written instruction of the consumer to whom it relates.

I the consumer have not given any written instruction to any consumer reporting agency to furnish a report. Especially one that is not equitable to me. Therefore the items attached to this complaint need to be removed from my consumer report immediately.
Product: Payday loan, title loan, or personal loan

Original date of loan was XX/XX/2018 with the lender being XXXX XXXX XXXX. When I was approved it was for {$500.00}. After the loan was already on the way to my bank I was informed the payoff would be over {$1800.00}. I was furious about the deception of this preditory lenders and tried to return the money. I was informed to bad to late. After some auto electronic drafts against my bank I tried to reach an agreement with the lender. They refused. These lenders prey on the desperate with deceptive practices. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my credit report for a {$400.00} opened XX/XX/2018. The original creditor is XXXX XXXX XXXX. The collection agency is XXXX XXXX XXXX. I came to a settlement agreement with XXXX to pay {$260.00} of the {$400.00} collection to close and remove the account which i paid. The collection is still being reported. I'm currently in the process of buying my first home and this collection still being reported has my lender at a stand still. I can not proceed any further buying a home because of this reported collection. I've paid the debt as agreed and am still being hindered as if i didn't pay the debt. I disputed this with the credit bureaus and asked them to investigate and requested all documentation verifying where they came up with the {$400.00} balance. XXXX responded in about 10 days and I never received any documentation which means they didn't investigate anything. I then contacted XXXX XXXX XXXX asking for good faith to remove the paid collection and inquiring about why they have not removed the settled account from my report. I was told " that the contract they have with their client XXXX XXXX XXXX. doesn't want anything removed from the report no matter what the status of the collection is ''. I then contacted XXXX XXXX Rapid Review Department and explained my situation to them and asked why their contract with XXXX doesn't allow for paid collections to be removed. The Rapid Review Department informed me that there is no contract. During my phone call with Rapid Review I found out that that XXXX did not complete everything needed once i paid the settlement. they were supposed to contact XXXX XXXX to inform them we came to a settlement agreement that i paid and the remaining balance of {$140.00} of the original debt was to be credited to me as a balance of {$0.00} which never happened. XXXX XXXX showed that I still had an outstanding balance of {$140.00}. If the the credit bureaus had properly investigated and gathered the documentation I requested this should have been brought to light. I was told to contact and file a complaint with the Consumers Financial Protection Bureau, State Attorney Generals Office and a consumer law, law firm. Thank you for your time.