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

Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my lawfully leveraged consumer compliant. I have retained a record of your receipt and proof as well of the exact date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Debt Collection procedures and or processes Act Section 807 ( 8 ), the mandatory metro 2 formatted reporting standard ( s ) of compliance and others even by your deficiencies and also by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is undeniably not certified adequately, provable as and or is plain and simply entirely inaccurate and incomplete and represents a very serious error in your reporting.
Product: Mortgage

Bank of America answered the above complaint and I disputed it. since then I have heard nothing from them. the case number is Case number : XXXX all material was submitted previously on above case number. I spoke to them previously and they said the case was closed. that is when I disputed. please refer to all information previously submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX/XXXX
Product: Vehicle loan or lease

I refinanced my auto loan via REFIJET/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX disbursed funds via ach to REFIJET to disburse to my previous lender on XXXX, which REFIJET received on the same day XXXX. 

Today is XX/XX/19 ( 11 days since they received said funds to complete the transaction ) and REFIJET still has not disbursed funds to payoff my previous loan, causing me to lose money in interest roughly ( {$22.00} a day ) on two open auto loans while RefiJet holds the XXXX in their account to collect interest ( this is a clear violation of Unfair, deceptive, and abusive acts and practices ( UDAPP ) by withholding disbursement to enrich themselves. 

I called REFIJET today XX/XX/19 asking why is it taking this long - their response was it takes time to process a check, really... 11 days?!?!? 

Once again a clear disregard of UDAPP regulations which were created to stop this nonsense from financial entities. 

I want a refund of the interest I've loss from both open loans since XXXX, due to Refijet holding MY money and not disbursing in violation of UDAPP.
Product: Credit reporting or other personal consumer reports

Equifax Information services is reporting XXXX XXXX account ending in XXXX on my credit file with a balance of {$11000.00}. This is inaccurate and false. I do not have a XXXX XXXX account with such a balance, and it also shows more than 4 late payments, which is also inaccurate. I called the equifax representative today, the fraud department, and the representative told me he already had a copy of my ftc report with the account in question on it. he informed me that he will remove this account, but i do not see a dispute raised to remove the account. I also called XXXX XXXX today on two occasions but they refuse to answer my calls. this has happened in the past also.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : MXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting

This problem is STILL not fixed. No one except Equifax can pull my credit. All my information is correct per a phone call, I do not have a freeze per a phone call. I do n't understand why no one from the company has called me at XXXX. This is delaying my mortgage and is against the law. I feel I need legal representation because I am getting no where. Please have the executive office contact me. They also said they would mail me a report and did n't!
Product: Student loan

I have been trying to lower my payments since 2014 with Navient. I have always sent the right information and filled out all forms while on the phone with a Navient representative. Each person I talk to says my information was never received and I get a completely different pay back amount each time. I can not afford {$1300.00} a month to repay these loans. I have tried to explain what I can afford but no one seems to want to help. So instead they always put my loans in deferment. I am now having to pay back loans that originally where {$80000.00} and now are almost {$90000.00}. You can never speak to someone who is willing to help they just simply say you either pay or they will come after you.
Product: Credit card or prepaid card

On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Credit reporting or other personal consumer reports

I would like to follow up despite numerous attempts I have made to correct an error on my credit report related to a late open account. Despite multiple requests, the issue persists, causing undue stress and negatively impacting my financial standing. Here is a summary of my attempts to address this matter : The continued presence of the late open account on my credit report is not only inaccurate but also unjustly affects my creditworthiness. I have attached supporting documentation for each attempt made to rectify this situation, underscoring my commitment to resolving this matter promptly. I request your immediate attention to the following actions : Conduct a thorough review and correction of the late open accounts entry on my credit report. Provide written confirmation once the correction has been successfully made. I understand the significance of accurate credit reporting and its direct impact on my financial well-being. Therefore, I expect a prompt and diligent investigation into this matter. I am asking for your help to correct these late open accounts in my credit file : XXXX  XXXX Balance : {$5800.00} ; XXXX XXXX XXXX Balance : {$410.00} ; XXXX XXXXXXXX XXXX Balance : {$25.00}.
Product: Debt collection

dear CFPB : This is in regards of a collection agency that keeps calling me and also they wrote me a letter dated, XX/XX/XXXX and my Answer to them was a letter dated, XX/XX/XXXX. on or before the 30 days as per Federal Laws dictate I was in the Hospital on : XX/XX/XXXX, until XX/XX/XXXX. ( 3 dais ) The collection agency is asking me to pay XXXX.. MEDICARE my insurance Company already PAID the Hospital over {$38.00}, over my staying in the hospital and also my 2 times in the Emergency Room. MEDICARE PAID THE HOSPITAL ALREADY. I request as per State and Federal Laws to please to ask the collection Agency NOT to CALL ME any more. Also Not to Threat me any more and not to Harras me any more. Again the Hospital was paid in full bye MEDICARE. My 3 days inside the Hospital and my 2 Times in the Hospital Emergency Room. I request to please to the collection company not to communicate with me at all. If They have any questions or concerns They can get in touch with my Lawyer. Thank you for your anticipated courtesy and cooperation in this important matter. Respectfully yours..

XXXX ...
Product: Vehicle loan or lease

Received loan from Wells Fargo Auto finance loan back at XXXX loan was paid in full on XX/XX/XXXX, I called to Wells Fargo title department many times talked to manager supervisor ( I have name and recorded of all my many phone call ) its been three month and Wells Fargo Auto loan is not releasing the car title and my right to the title after the loan paid in full.
Product: Debt collection

This company has responded stating this account does not belong to them, I have attempted to fix this situation several times, I am not requesting removal of this incorrect account from my credit file today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with XXXX trying to get a fraudulent account removed from my credit report many times from XXXX  through present and constantly they are not investigating this property. They just send me a message saying this is your debt. If they would check it properly then they would see its not mine.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Consumer Social Security Number XXXX : ( Private SSN ), Consumer Date of Birth : ( XX/XX/ ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at under the XXXX XXXX XXXX  account number ( XXXX ), account opened XXXX under the account number XXXX ( private ), consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accountsnd hard appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I disputed unverifiable info on my Equifax XXXX XXXX XXXX consumer report on XX/XX/year>. After receiving a response in the mail, the information is still reporting unverifiable. Ive added more inaccurate and incomplete disputes and need these items modified or deleted.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, 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 these are fraudulent accounts though your company claims to have verified these. Depending solely on your flawed XXXX  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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX, 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 XXXX in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent accounts, and following this submission, XXXX and XXXX have removed these accounts from their records. I have also directly contacted the company associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

XXXX XXXX, XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I took out an auto loan with ally financial through the dealership I bought my car from back in XXXX. Then in XXXX I refinanced my loan through XXXX XXXX XXXX XXXX. Earlier this year I got a letter from XXXX XXXX stating they needed the lean recorded title sent to them which would have their name on it as the lean holder. I was on the phone with both institutions back in I'd like to say XXXX of XXXX and XXXX XXXX requested the lean release letter to be sent out. I was also to receive a copy and was told to take that, the title and my XXXX XXXX promissory note to the XXXX to get the lean re-recorded. About a week or XXXX ago I went to the XXXX and they told me I needed a notarized letter from Ally stating they handed the lean to XXXX XXXX. I called Ally that day and asked them to fax it over to the XXXX and was told it would get there within XXXX to XXXX business days. The XXXX also stated when they received it they would contact me. Now here we are today on XX/XX/XXXX and nothing has showed up. I once again called Ally and asked what was going on, they stated they could not send the notarized letter to my XXXX directly that it had to go to XXXX XXXX and that they would have to once again request it. Mind you this would be the third time XXXX XXXX would be requesting it. I had both institutions on the phone today and Ally claimed they sent the notarized letter to XXXX XXXX twice and XXXX XXXX claims they never got it. Now Ally has stated it will be in the mail to XXXX XXXX today and will take up to XXXX business days to get to them and then XXXX XXXX has to send it to me so I can re-record the lean. Meanwhile I now have to pay a significant increase of interest to my car payment causing my payment to go from XXXX to XXXX which doesn't seem like a lot but I am living off XXXX income due to the fact my husband is XXXX and can't work and we can not afford this increase. I find this whole situation unnecessary and have been given the run around. I contacted my lawyer who advised to put in the complaint to the CFPB to have this matter investigated and to be sure things are getting done as they are supposed to, so that I may finally get my part of all this taken care of and so my interest rate does not go up. I am afraid none of this will be done by XXXX XXXX 's due date of XX/XX/XXXX and I will be forced to pay the higher amount I can not afford.
Product: Credit card or prepaid card

My spouse applied for a credit card w ith Citibank.  She received the account, and used it twice. Days later the account was closed. We received a letter asking that she complete Form  XXXX , attach a copy of the front and back of her social security card and a copy of the letter they sent. They did not explain why they were asking for a copy of the social security card. They stated that she is required to use their special form  XXXX . We instead print a copy of  XXXX   XXXX  from the  XXXX  website and attached it with the social security card and a copy of their letter. When speaking with the fraud department they would not give the full name of the individual I spoke with. Nor would they give me the phone number of full name of their managers. What I do not understand is why are they asking for the social security card? I have applied for many cards, and I was never asked for the card. My wife has a  XXXX  FICO score. The would not provide any detail as to why she is being required to supply her SSA card. Nor would they provide names and phone number to someone that can explain the reason she is being denied. Is she being denied because she is a female  XXXX ? I have never used this reasoning before, lack of providing a reasonable explanation is discriminatory. They change their story each time we spoke to someone on the phone, but what cause me to file this compliant. is they chose not to give an explanation, and then they say some nebulous person made the decision and we have no right to have it explained to us. We are going to send by FAX the exact document they asked for, but if they are doing this to my wife, how many more  XXXX  women are they treating in the same manner? One of their employees had the nerve to say that we asked to cancel the credit card application. I asked for a copy of the recording that will show that my wife or I stated such a thing.
Product: Credit card

I received an email on XX/XX/year> that stated " Thanks for applying for a Chase Credit card. We are reviewing your application for a XXXX XXXX Credit Card and will be in touch soon ''. I called Chase and told them that I never applied for a credit card. They cancelled the application and directed me over to the Fraud Department. There is a lock on my XXXX Credit Report so XXXX was used instead. I was told that they will remove the " hard pull '' from my credit report. I, then, called XXXX and explained the situation and asked that they put a lock on my credit report which they did and also stated that they would remove the " hard pull '' from my credit report.. They then told me that they would and informed me to file a claim on this website.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to complaint XXXX. Please provide the forward flow agreement. If you can not furnish this information that I am demanding remove the account LVNV FUNDING LLC XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written XXXX and Experian and XXXX regarding errant accounts with many inaccuracies on my credit report many times asking them to investigate these accounts to make sure they are Verified and Accurate, each time they come back as Verified as Accurate, However I keep seeing many inaccuracies and mistakes which is not allowed by FRCA. I have also attached just some of the investigation results as there is too many. No matter how I try to resolve these inaccuracies these accounts still appear, which I have now learned is a direct violation of my rights. 

These several accounts are Highly Incorrect and Errant and these accounts were verified as accurate after many investigations ( unlawful ). 

However, I have a few questions for the bureaus : How did these bureaus complete their investigation? 
Did they talk to my neighbors, friends, family, etc as per law in the FCRA? If so, please inform me of the person who completed this investigation and a FULL description of the investigation within 15days or less. One more thing, I was reading the FCRA and noticed they violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all my rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and the Time to correct these accounts has long passed. Please see attached Credit Reports as reference of all the inaccuracies which is NOT allowed by FCRA, my report must be 100 % accurate. The inaccurate accounts are : 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 XXXXXXXX Please See my attached Credit Reports Printed on this Date : XXXX as well as XX/XX/XXXX and this Date XX/XX/XXXX that have the exact same mistakes on many places of the report as I have circled for your convenience. What is outstanding and a complete violation of the so called Verified Accounts is the amount of mistakes that were never fixed from before nor after their investigations. 

I have also attached proof of all my certified mailings to the credit bureaus, not including the mailings to each creditor. I have also notified my state attorney general of the wrong doing to my person. 

Please have them Delete all the above states accounts right away, and keep them from coming back in my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/year> personal statement need to be remove i ask but its still there
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX REFUSES to remove an inaccurate Bankruptcy they keep reporting on my credit report even after being notified by Lexis Nexis that it was removed from their file. This is ILLEGAL!!! They were notified and sent letters pertaining to this matter on FOUR separate occasions, dated XX/XX/XXXX, XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XXXX! They were sent attached letter from Lexis Nexis, see attached! XXXX had the temerity to come back and say they " investigated '' the evidence I submitted and alleges that Lexis Nexis " verified '' info that they denounced on the attached letter sent to me from Lexis Nexis on behalf of CFPB. So i am confused, how did XXXX " verify '' this Bankruptcy from a company who removed it due to it being inaccurate and illegally reported. Is Lexis Nexis lying about removing it from my file? Or is XXXX lying about launching an investigation into my concern. Either way my rights under the FCRA/FDCPA CFPB MUST hold these companies accountable. These bureaus should not be able to lie and destroy consumers lives!