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

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX
Product: Debt collection

ad astra services, this is the collection agency i contacted regarding this amount i saw on my credit report, i received the number from XXXX, and XXXX XXXX.i spoke with the collection agency, they put a dispute in also. 
their contact info is as follows ad astra services XXXX, kansas XXXX i spoke to them today after i saw this on my credit report, i have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of Dispute : XX/XX/2020 Time of Dispute : XXXX EST I contacted Equifax through my XXXX  account to dispute a charge from my XXXX. I provided a receipt of the charges along with my insurance card. At the time of my last visit I paid for both my balance of {$95.00} and my co-pay of {$30.00} bringing my total to {$120.00}. I included my insurance card to show that a XXXX co-pay is {$30.00} so that it wouldn't be any confusions on why I paid more than just the {$120.00}. 

Date Creditor Called : XX/XX/2020 Time Creditor Called : Between XXXX-XXXX XXXX XXXX from the collection company representing my XXXX  called to collect on the debt. I explained to her that it was paid prior to it going into collections. She asked me to send the same documents that I sent to Equifax to XXXX and reference # XXXX. 

Date Docs Sent : XX/XX/2020 Time Docs Sent : XXXX Date Dispute Inquiry : XX/XX/2020 Time Dispute Inquiry : XXXX and XXXX Contact Equifax was told although I have proof that it was paid and my XXXX  can't provide proof that it wasn't paid Equifax has to report whatever the guarantor reports.
Product: Checking or savings account

I get a random set of checkbooks in the mail. I decided to see what it was all about and I signed up online well tried to but it was asking to send a text message to a totally different number that I didn't have access to. I called the number and I was on the invoice to me to call and the person was very vague they could not verify my phone number by sending me a text message so I could update it and have access to the website. They couldn't verify my email address even if I were to give them the email address. They put me on a long hold. This company basically has a banking account in my name with my address and I never even approved or signed up for it. And the call center to sounds like a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed inquires by letter and on the phone but they have not been remove the below companies did not have my permission to pull my credit The inquiry 's was not authorized XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We contacted Wells Fargo when my wife lost her job and become XXXX, in the hopes of being proactive to any money problems. They refused to work with us unless we defaulted. We explained we wanted to do the right thing but they offered no help. We kept up mortgage payments as long as possible and decided when we knew we could n't continue, to call the bank and tell them we would sell the house. They asked us to fill out hardship documents which we did, we received many letters asking for more information or claiming we were being reviewed. Ultimately it ended with them offering no help. We continued to try to get them to work with us to no avail. They avoided our phone calls/never returned them. Never responded to emails. We tried many times to get a payoff amount for the house so we could put it up for sale. After no communication from our numerous calls, we went to a local branch and tried to get help with them. We were looking for a payoff amount so we could sell the house. In the end they told us the bank manager put the letter in the vault. The employees insisted they could n't get the papers, only the manager could ... after a few phone calls/days, it turns out there were no papers for us. We finally got the house up for sale, it was up for sale for 90+ days and was not selling so we tried to do a Short Sale or Deed in Lieu. They kept changing our contact at the bank and still ignored our calls and emails. It was n't until we contacted an outside agency for a Short Sale that they finally responded/reacted. We got an offer on the house for approx {$4000.00} short of asking price and went into contract. The bank denied the offer claiming the seller wanted sellers assist and they cant do that. Within a week, they lowered the sale price by approx {$10000.00}. ( so ... .why deny the high offer? ) No sooner than they denied the offer, we got papers that we are back in foreclosure and have received several legal/court documents. Our Short Sale representative has also tried to work with the bank to no avail. In addition when she requested a deed in lieu they said we were ineligible even though I have several letters from the bank with them suggesting that route. I have a documented timeline of calls and letters. This is such a short version of the events. We have tried so hard to work with them and do the right thing. They do n't want to know anything other than foreclosing, they make all other options impossible.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 accordin

g to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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, th
e 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 ( ii ) 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 1681s-2 they are suppose to 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.
Product: Debt collection

I am writing to formally dispute the existence of an account that has appeared on my credit report. After a thorough review of my credit history, it has come to my attention that an account listed under my name is not mine and was opened fraudulently without my knowledge or consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I want to make it unequivocally clear that I have no affiliation with this account, and I bear no responsibility for any associated transactions or debts. This account 's presence on my credit report is not only inaccurate but also a direct result of identity theft. I am taking immediate steps to address this matter and request that your bureau launch a thorough investigation into the fraudulent account 's origin and activities. I am providing this dispute letter as an official notification of my identity theft claim and as a formal request for the removal of this fraudulent account from my credit report. I also understand the importance of complying with the law regarding identity theft disputes. I have filed an official report with law enforcement agencies, and I am prepared to provide any necessary documentation to support my claim. I trust that your bureau will handle this matter in a diligent and lawful manner, and I expect a resolution that removes the fraudulent account from my credit report, allowing me to regain control of my financial standing and peace of mind.
Product: Credit reporting or other personal consumer reports

I contacted Trans Union and informed them of the fraudulent and in accurate inquiries thats on my credit report nothing was done XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2015 I had financed a 2015 XXXX from XXXX XXXX through this bank. However afterwards problems of fraudulent activities was revealed and this particular vehicle was proven to be no good and XXXX XXXX settled. In the meantime the vehicle was repossessed. However when a recent credit report was done a {$20000.00} Loan showed up as default in which is way over 7 years old. M & T Bank was contacted and absolutely nothing has been done
Product: Credit reporting or other personal consumer reports

To whom it may concern I am unable to see my credit reports for XXXX and transunion. because i am not able to see my credit score i don't know my status or credit points and is making me depress. i have call numerous times and i am been told to wait for it to update. credit updates and nothing happens.
Product: Money transfer, virtual currency, or money service

Google , IncXXXX is making unauthorized withdrawals to my bank account. I subscribed to Google Inc. in XX/XX/XXXX to rent storage space ( Google One basic plan for XXXX monthly ) for my gmail account. I provided authorization to Google to debit my bank account Once a XXXX for an amount of XXXX. The last time Google Inc. debited my account was on XX/XX/XXXX and they successfully debited XXXX from my account, however, in bad faith or due to a technical error on Google 's behalf, Google continued to debit my account on the same day ( XX/XX/XXXX ) even after successfully debiting the authorized amount on that day previously. Google incessantly and persistently debited my account for XXXX repeatedly numerous times before they were authorized to do so.These incessant debits resulted in overdraft fees for my bank. I have attached proof of the incessant debits that Google has repeated to my account, the last successful debit from Google on XX/XX/XXXX, the Basic plan Google subscription for XXXX per month, and the pay method Google used to debit my account. I want to dispute these transactions Google has made to my account and be refunded the overdraft fees, fees from any additional unauthorized debits, and 3 months of free storage by Google due to the negative impact their unauthorized debits have had on my bank account.
Product: Credit card

Last week I received a notification from XXXX saying that I had a new credit inquiry on my file. This credit inquiry was for Capital One. I called XXXX to dispute this inquiry and they put a Fraud Alert on my credit report and disputed the inquiry. 

In addition, I called Capital One to dispute this card inquiry with them. They checked their system using my name, date of birth, SSN and address but did not see any accounts for me. I had assumed that this was an error and since XXXX put the alert on my file and Capital One didnt have my information, I let this issue go. 

Today I opened my mail to find a Capital One card, even though they said they couldnt find a card on file for me. I called Capital One to dispute this card and he said that the personal information that I provided matches the information that was provided to open the card. He asked if a family member may have opened the card in my name. I said no. He then told me that the only way I can get this credit off of my credit report is for Capital One to conduct an internal investigation. I asked him to tell me what the credit limit for this card was to see how it would impact me, and he did not tell me. The credit limit is also not listed anywhere on the credit card envelope of information.
Product: Vehicle loan or lease

Hello, thank you for your time. I have tried to communicate with VW credit /customer service but it's very challenging to connect with someone at a supervisor level, or without being hung up, etc. 

I had a lease and completed the lease and it's been turned in late last year. Once receiving the final bill after turn in, I reached out to see if I could make monthly payments as I was struggling financially and personally and just couldn't give up /pay XXXX at once. Some personal reasons- XXXX death in the family ( extremely close ), separation of spouse and caring for XXXX kids, working full time, and just being stuck with a lot of financial burdens. I no longer can make payments on their website as my lease is over. I did speak to the individual and agreed to set me up on a plan for a reasonable amount so it wouldn't affect the credit that I have been working so hard to build up and keep strong. Little did I know, they don't do it automatically from my account and I would have to call in monthly as I can't access the VW site as I'm not a customer. This failed to be mentioned to me and just thought the little amount was just being deducted ( yes and no my bad, but I have so much going on that wasn't something I checked in on ). With that, I have learned the hard way and they charged off my account which has hurt my credit now drastically. I have tried a few times calling them to connect on this.. either get someone that says need to pay in full, or deal with and call credit but they don't have a credit department to speak to, been put on hold to transfer and hung up on and so on. I just wanted to make a reasonable payment arrangement and they just wouldn't consider it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX. 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I am writing this complaint because the company will not process the W-9 form that I have sent to them on multiple occasions.  I opened a Citi Priority account in XX/XX/2019.  In order to enroll in their ThankYou Rewards program, I was told that I needed to mail in a W-9 form.  This form would also enable me to avoid federal taxes being withheld from my interest income. (Each month, 24% of interest earned in my Accelerate savings account is automatically withheld.)  As a result, I completed a W-9 form and mailed it on XX/XX/2019, to the relevant address:Citigroup Technology, Inc.XXXX XXXX XXXX XXXX, SD XXXXSeveral weeks later, I called the bank and inquired as to the status of my W-9 form.  Citi said they never received it.  Thinking that it may have gotten lost in the mail, I mailed it once again in late XX/XX/XXXX.  This time, however, I sent it as a certified mail from my local post office. I have the tracking information to prove that the letter arrived at its destination on XX/XX/2019.When I called on XX/XX/XXXX to confirm that it was received, I was told that they have no record of receiving it.  This is the second time that this has happened!  When I pursued the matter further and asked for a case to be initiated, they gave me a reference # and stated that they would contact me with any updates.  On XX/XX/XXXX, I contacted them again because I still had not heard from them.  They are apparently still investigating the case with no end in sight.I do not live near any of their bank branches, so there is nothing more I can do.  I am so frustrated that, through either carelessness or willful neglect, they misplaced my W-9 forms.
Product: Credit reporting, credit repair services, or other personal consumer reports

reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Money transfer, virtual currency, or money service

On XX/XX/, i received an email that may account in Paypal was permanently limited. I dont know why. I message them, email and call and they say that violate their acceptable use policy. Result of that, i will no longer use their services as they said But on XX/XX/XXXX, i received an email that they confirm my identity based on the proof that i have given and aside from that, my hold balance was lifted and they gave me additional fund. on the email that i received, it says thay they will lift my limited account but still it was not lifted and nothing change
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment in account under an open-end consumer credit plan as late for any reason. 
Since XX/XX/2016 this account has been paid off, and until now, late payments reported on this account restricted me to get approval for credit, and this is illegal to maintain this account on my credit report.
Product: Credit card or prepaid card

Back in XX/XX/XXXX, I made a complaint with the BBB regarding the company XXXX XXXX XXXX XXXX that recently took over the billing for XXXX XXXX back in XX/XX/2017. The account is in my husband 's name, which the account is an XXXX account since he is in the military and the payment amount changed to {$48.00}. For whatever reason, XXXX can't seem to get it correct. They call our home, literally starting at XXXX to XXXX, over XXXX 's a day. Once I speak with them, which they are allowed to discuss the account with me, they state the account is {$740.00} past due. We have been going back and forth with this company not being able to get this account correct since they took over the billing in XX/XX/XXXX. Here we are 4 months later, with my husband 's credit taking a hard hit because XXXX can not get their billing together. I am tired of them calling my home everyday all day with the wrong information. Even if we paid the correct amount that is due, with their system not corrected it will still show the account past due. We need this fixed and calls STOPPED! The apologies are starting to wear thin.
Product: Credit reporting or other personal consumer reports

on XXXX I called XXXX about them posting a XXXX  day late payment on my consumer report. They hung up on me. Later that month I wrote them to investigate my claim per 15 USC1666b timing of payments for proof in writing of late payment. they did not provide that. As per 15USC1681sec604 ( A ) I did not give them permission to report a late payment. I request that you the CFPB contact XXXX financial to remove the negative remark from my consumer report. 

Please & thank you XXXX XXXX XXXX. the late payment that XXXX refuses to remove is on XXXX of XXXX