23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

With check stubs and XXXX  to 60 % down payment i was discriminated against by denial of auto loan
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them from my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have five collection accounts on my credit report by three companies called XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. The two collections from XXXX XXXX XXXX are for {$770.00} and {$540.00}. The XXXX collection accounts from XXXX XXXX XXXX are for {$580.00} and {$490.00}. The one collection from XXXX XXXX XXXX is for {$350.00}. All of these accounts are fraudulent reports for alleged debts that have never been validated and the company never sent me a notice of debt or a chance to even validate the debt. XXXX XXXX XXXX and XXXX XXXX XXXX responded to my complaint on CFPB showing that I was correct, and they notified all three credit bureaus to tell them to remove the collections from my credit report due to the violation. Transunion has started to remove the accounts from my credit report but failed to remove two of the erroneous and fraudulent collections. XXXX and XXXX have failed to remove the collections or properly investigate the situation in regard to my FCRA rights. Please investigate as to why these credit bureaus have dropped the ball on their investigations and why their reports and scores are so different than each other.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to reach out to the FTC regarding the following accounts listed that are not mine. I have also reached out to my local police department and the creditors and have not been able to get this resolved. I'm reaching out to you all to see if you can help me with this. 

UNKNOWN ( XXXX : XXXX UNKNOWN XXXX  : XXXX XXXX, XXXX XXXX XXXX ( XXXX : XXXX : XXXX, XXXX XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion  : XXXX ), XXXX  XXXX  ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX XXXX XXXX ( XXXX : XXXX XXXX  : XXXX XXXX T ransunion : XXXX ), XXXX XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX Trans union : XXXX, XXXX XXXX XXXX TX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX ( XXXX  : XXXX XXXX : XXXX Transunion : XXXX, XXXX ( XXXX : XXXX XXXX  : XXXXTransunion : XXXX. I requesting the above accounts be removed from my credit report.
Product: Debt collection

I can not fully access my XXXX file. They have reset my information, but I can not get in. I can see from my other file with XXXX that this debt was placed on my credit file with XXXX. Since I can not dispute it through the site, this is my only means. This account through Credence RM does not reflect any previous payment history or date the account was opened. I opened my XXXX account in XXXX of XXXX. 

From my research, Credence is a third-party debt collector. The account number and amount stated on my credit file do not match a previous account that I had with XXXX. I will attach previous communication that I have sent to XXXX and XXXX to dispute the account.
Product: Credit reporting or other personal consumer reports

Dispute of Fraudulent Credit Information Due to Identity Theft **To Whom It May Concern : ** I am writing to formally dispute fraudulent information on my credit report under the protections provided by the Fair Credit Reporting Act ( FCRA ), specifically under Section 605B, which pertains to identity theft. 

I recently reviewed my credit report and identified the following account ( s ) that I did not open and believe to be a result of identity theft : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$480.00} XXXX XXXX  XXXX # XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} These accounts are not mine, and I am not responsible for it. I am a victim of identity theft, and I request that this fraudulent information be blocked and removed from my credit report immediately as allowed under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Enclosed, you will find the following documents to support my claim of identity theft : XXXX. A copy of my government-issued ID. 
XXXX. A completed Identity Theft Report ( a copy of the FTC Identity Theft Affidavit ). 
XXXX. Sentencing papers as proof of my incarceration Please conduct a thorough investigation into this matter and remove the inaccurate information from my credit report. In accordance with the FCRA, I expect to receive a response within 15 days from the date of this letter. 

Thank you for your prompt attention to this matter. I look forward to your response confirming the removal of the fraudulent information from my credit file. 


Attachments - Copy of Government-issued ID - Identity Theft Report
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Employers : XXXX XXXX  Employers : XXXX XXXX XXXX Employers : XXXX XXXX XXXX Collection/Charge Off : XXXX  XXXX XX/XX/XXXX {$2300.00} Late Payment : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}
Product: Debt collection

This company is constantly sending me things even after I have sent over documents that this is not my account
Product: Debt collection

Continually receiving robo calls and actual live person calls ( over 20 calls last 3 days ). Told the caller that XXXX  does not live at this number and please place me on the do not call list but they continue to call. The caller is XXXX XXXX at XXXX. I am XXXX  years old and do not need the stress of these continuous phone calls ALL Day!
Product: Credit reporting or other personal consumer reports

I wrote to Experian letting them know the information on my account is incorrect. 

Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Phone Number : XXXX Correct Phone Number : XXXX Lastly, I would like to inform you that my current employer is XXXX XXXX XXXX. 

However the information still exists on my credit profile, making it difficult for me to clear backend screening for a job application.
Product: Mortgage

On XX/XX/XXXX I logged into my Caliber account and it seemed as though my autopay had been stopped. So, I made a single payment to ensure that my XXXX payment went through. The next day, I learned that Caliber had been updating their online system and my autopay had not been stopped. Therefore, I ended up making a payment on both XX/XX/XXXX and XX/XX/XXXX. 

I did not want to wait for a refund check and was told when I called in early XXXX that we could simply apply the second payment to XXXX and I could wait to make another payment until XXXX. Instead, Caliber repeatedly incorrectly applied the second payment. First, they applied it to principal. I called and informed them of the mistake and was assured that it would be reversed and applied to the XXXX payment. Then, it was simply reversed and suspended on XX/XX/XXXX, so it wasn't applied to my account at all. 

I realized this second error when I received a letter in the mail, which was dated XX/XX/XXXX, in early XXXX stating that I was two payments behind and that Caliber would soon be notifying the Credit Bureau. I called Caliber on XX/XX/XXXX to complain that by XX/XX/XXXX my account should have been fully paid considering the double payment in XXXX. The representative at this point let me know that my XX/XX/XXXX payment had been suspended and they needed to submit a request for this to be posted as the XXXX payment. The representative also requested that I make my XXXX payment at this time, which I did online. 

On XX/XX/XXXX I realized that the XXXX payment I made online had been applied to XXXX instead of XXXX and called Caliber again to ensure that this would not cause the XXXX payment to remain suspended. I was assured that my request was still in process, the extra XXXX payment would be applied to XXXX, the XXXX payment would be reversed and applied to XXXX, and the credit bureaus would not be notified because I was not behind on payments. The representative could not give me a date that this issue would be resolved. 

On XX/XX/XXXX I logged into my Caliber account and saw that there had been a misapplication reversal on XX/XX/XXXX and no further changes. I called Caliber again that day to ask if there would be further progress or if this was another mistake. I was told that there were notes on my account that more work needed to be done to post the payments correctly and was in process, but again I could not be given a date that this would be resolved.

It has now been over two months sense this problem has begun with little to no progress and many mistakes. Every time I call in to try to get help I am given the excuse that due to recent software updates the representatives are having a difficult time doing things quickly and correctly and they can not give me any information about how long it will take to resolve this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Equifax Information Services, LLC : XXXX XXXX XXXX, XXXX XXXX XXXX RE XXXX XXXX XXXX Account To whom this may concern, this is my second attempt to resolve a matter regarding the above account, The above alleged creditor failed to verify the debt therefore the IRS was informed, and the debt was discharged. I have previously sent in my 1099C which was approved by the IRS on XX/XX/XXXX. You are currently violating several FCRA violations, and United States Code Violations. 15USC 1681s-3 states the term CONSUMER REPORTS does not include transactions or experiences between the consumer and the person making the report. By publishing a balance on a charged off account is considered domestic, and international money laundering, under US code section 1956a2. Lastly, you are violating my privacy under the US privacy act 1970. Please DELETE this account within 3 business days upon receipt of this transaction. XXXX XXXX account # XXXX
Product: Credit card or prepaid card

Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX,  GEORGIA XXXX To : XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX  Subject : Returned Item ( Tent ) on XX/XX/XXXX. AFFIDAVIT OF TRUTH I returned the tent that was sent without a canopy, no directions for installation, and the wrong color on XX/XX/XXXX via XXXX  delivery. Call tag number XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX ; a total of 4 boxes returned to shipper.
Payment for the tent was made through PAYPAL, A dispute was submitted to PAYPAL for the returned item. The dispute included the reason for the return as being the wrong product ( color ) amongst not having instruction, and missing the canopy, and other parts. SEE EXHIBIT A thru F You or your supplier should have received the returns, and verified all the issues in my complaint were accurate, thus rendering a full refund. Thirty ( 30 ) days have passed, and all settlements should have occurred. PayPal has my account remaining in dispute which is depriving me of the purchase amount. I have fulfilled my obligation in returning the items ( s ) to the sender XXXX XXXX. All accounts shall be made current and reflect accurate status of my obligation ; XXXX amount owed to Paypal credit and XXXX amount owed to XXXX XXXX
- {$700.00} USD XX/XX/XXXX  XXXX Regards , XXXX XXXX Cc : PAYPAL XXXX XXXX XXXX, MD XXXX ( Paypal has closed there side of the case and charged me the full price for items I do n't have. I Sent the letter below to both the shipper and Paypal with exhibits from XXXX website showing the items were returned. Paypal still will not credit me the purchase amount. I need some intervention. I have tried to respond within Paypal system, but the system always state there was an error one the respond button was selected. I sent the letter via certified mail return receipt. I received the green card back without signature? I am asking for a full investigation into the dispute process of Paypal. I should have received a refund within 30 days, that did n't happen ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Attn : Customer Relations Department XX/XX/2023 To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Mistaken Identity DEPT OF ED Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. Mistaken Identity DEPT OF ED Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Illinois XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX. Mistaken Identity US DEPT ED Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
5. Mistaken Identity US DEPT ED Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account XXXX/XXXX  Opened Date XX/XX/2000 which has been deleted by XXXX  and XXXX . XXXX and XXXX  have both completed their research and determined that XXXX/XXXX  was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Mortgage

Hello, I currently XXXX XXXX XXXX XXXX ( I am a 99 % owner and my co owner has 1 % ). I would like to do an assumption on the building with my co owners agreement and the bank says that my debt to income ratio does not qualify. I had my loan broker run the numbers and he says that it does qualify. The woman who is helping me at the bank is very nice, however i do not believe that she understands the process. She is just keying in numbers that don't add up. I have asked to speak with someone who is more senior in this position to no response. It seems to me that since i qualify for to refinance that I should also qualify for an Assumption. Is it possible that they are doing this to make me pay a higher rate ( my rate now is 3.35 % ) because if I am unable to do an assumption I would have to do a refinance at a much higher rate. 
Please Help
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 
Equifax had profits of over {$130.00} million dollars last  year. The lack of security and the time-frame that they used to alert me is unacceptable. They are offering me a year of credit monitoring, however, I have to go through their hoops. When my data is breached like this, they should come to me with a solution, not the other way around. This organization should have no business monitoring my credit.
Product: Mortgage

SPS ( Select Portfolio Servicing ) is not processing or responding to my requests, allowing property tax bills to go unpaid. SPS has been sent supplemental property tax bills for payment on 4 occasions and has made no response indicating an understanding of the problem. After the first two submissions of online tax bills, costumer service representatives assured me over the phone that they were responsible for paying the property tax bills and would make distributions from the escrow account. The representative also told me that they were correctly receiving the online documents. 

No such tax payments have been made on my behalf. Nor has the SPS responded to my request or the submitted documents. When I most recently talked with a customer service representative on XX/XX/, the representative claimed that SPS was not responsible for making these supplemental payments and that my previous submitted documents had not made forwarded to the correct department. The representative told me that these payments could be made out of escrow, but I have received no communication about not paying supplementals out of escrow since my first correspondence in XXXX. The representative said that they would forward the file to the appropriate person to make a payment from escrow. It is possible that a payment of the overdue taxes will be made sometime over the next few days, but that doesn't resolve the damage done and time wasted through this correspondence. If payment is not made by Friday, I intend to pay the County myself and hope this complaint can work as a way of providing restitution. 

Attached correspondence documents show proof of submission of documents to SPS. Additional attachments should forwarded documents along with SPS acknowledging receipt of my submissions.
Product: Mortgage

Ditech continues to miss manage my account with them. My husband received a call 2 weeks ago stating we owe the company 'Advance Fees ' from XXXX from the previous Servicer ( Greentree ) & when can we settle that payment. I informed my husband that was not the case and why do Ditech continue to call and harass us? there is currently a cease and desist order against them on my account. My argument is this, the year is now XXXX Ditech claim they have outstanding 'Advance Fees ' on my account from XXXX, approximately 5 years in the past. Why all of a sudden Ditech is moving ahead to collect these fees when they were no such fees listed on my account until recently. Did Ditech somehow pull these bogus fees out the air?? I am gravely concerned about Ditech 's unscrupulousness business practices and how Ditech continues to miss apply my payments and make up fees that are unsubstantiated. I have been making on-time payments to Ditech every month these payments are withdrawn from my bank account. However, Ditech continues to harass me with bogus advance fees, this has greatly affected my health as my over all well being. I expected Ditech to be a company who values their customers and not to threaten them with evictions or repossession orders. Especially when their customers are making their payments on time and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

15 U.S. Code 1681 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kindly request that the information contained in my credit profile be reviewed and modified, but a response from you has not been possible I emphasize that federal law requires you to respond within thirty ( 30 ) days, but you credit reporting agencies continue to breach these federal regulations, which are investigated by the Federal Trade Commission. 
As I had previously communicated I keep a careful record of my communications with you for the purpose of File a complaint with the FTC. 

I further remind you that you are responsible for your intentional breach