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

I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

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

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

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
Product: Debt collection

I received a collection notice from an agency stating I owed a debt to a company that I have an active/current account with. I called them about the letter, stated I have no outstanding balances with them. They agreed, told me to " disregard '' the notice from the agency. I told them I can not because this needs to be resolved before this reports to my credit. A ticket number was created, I followed up in one week as they requested. When I called, I was told a note on my account states, '' disregard collection notice. account is in good standing ''. I told him that will not suffice and that I need something in writing from them or the debt collection agency. I was told to call the agency directly. I did that same day. A rep said I will need to dispute in writing. I did so by fax, requesting them to validate the debt with an invoice, final bill, etc. None was ever received from them. Today, I get an alert from my credit monitoring company that this debt has shown up on my XXXX file. I immediately called the original creditor, Comast, and explained this situation. I gave the previous ticket number. I was told nothing is owed. I asked the rep to call collection agency on 3-way and let them know I do not owe this. He claimed he would create yet another ticket for them to " research '' this. XXXX nor the collection agency have been able to validate this debt that I do not owe.
Product: Debt collection

I have called the collection agency on several attempts Ive asked to know the dates for the services they say I received and they do not know Ive explained that I have never gone to XXXX XXXX especially not in XXXX as it says on my credit report I have no idea why XXXX XXXX did not bill me directly if in fact I did receive services from them plus the collection agency is reporting the same claim in 4 different collections making my credit report have 4 derogatory marks Ive also told the collection company that I am dually insured  and never have to pay any balance for any medical service because I have ppo insurance with XXXX by XXXX XXXXXXXX XXXX of XXXX Illinois fund and full Medicare Plus for any services that are not in a hospital require a claim form to be filled for specialty services So I would have received a letter from my insurance to fill out for this claim which I have not or if I had to go to this certain imaging company on my doctors referral I would have called my insurance to advise them that my doctor made the referral and faxed my insurance the referral for them to fill claim form so that I would be covered beforehand and not have to wait for a bill then fill the claim form I never received any bill from XXXX XXXX They continue calling and calling after Ive made several tries to have this issue resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

The Debt Collection Company XXXX XXXX XXXX, XXXX has been reporting the incorrect First Date of Delinquency to the Credit Bureau for account # XXXX. The First Date of Delinquency being reported to the credit bureau is XX/XX/XXXX. As outlined in the uploaded XXXX XXXX XXXX documents the First Date of Delinquency as XX/XX/XXXX in the reply to CFPB claim XXXX. XXXX listed XX/XX/XXXX as the date they purchased the account. According to FCRA Section623 ( 5 ) ( A ) Date of Delinquency must match that of the Original owner of the creditor ( XXXX ). I tried to request a dispute regarding the incorrect date of delinquency being reported however, XXXX will not allow me to file another dispute. The previous dispute was closed without any resolution. I do not believe XXXX   requested the proper documentation to substantiated the information being reported. Equifax also just completed an account ownership verification and not an investigation of the accuracy of the information as I specified. Please see the Reply provided by XXXX XXXX XXXX on XX/XX/XXXX to Consumer Financial Protection Bureau claim XXXX XXXX, alleging that they are reporting a First Date of Delinquency of XX/XX/XXXX not XXXX. In this case XXXX is alleging that the XXXX and Equifax Credit bureau is INTENTIONALLY NOT reporting the correct Date of Delinquency of XX/XX/XXXX. ( Please see attached documents to support claim ).
Product: Credit reporting or other personal consumer reports

I have made disputes with credit bureau, three of them. At various times. They remove items placed them back on have incorrect information and items that does not even belongs to me but yet I cant seem to get a complete investigation with all the information that I have requested. 
This was the answer to My latest dispute was Between XX/XX/year> and XX/XX/year>, the following remarks were added to this account : Paid profit and loss Dispute resolved-subscriber disagrees Dispute resolved-subscriber disagrees.
Product: Credit reporting or other personal consumer reports

I Formally request the immediate removal of all negative items from my credit report under the Uniform Commercial Code ( UCC-11 ) declaration. There is no valid debt in my name, and any negative entries are incorrect and unjustified. 

I demand that your agency : Conduct a thorough investigation into all negative items listed on my credit report.

Verify the validity of these entries in accordance with UCC-11. 
Remove any and all negative items that can not be substantiated as legitimate debts. 
I expect a prompt response and resolution to this matter. Please confirm receipt of this letter and provide written confirmation once the negative items have been removed.
Product: Debt collection

We vacated an apartment in XXXX, XXXX and were not in arrears of rent payments. I spoke with XXXX XXXX, property XXXX for XXXX on XXXX, on or about XX/XX/XXXX and was told the walk through was complete and that the unit actually looked better than when we had moved in. She also stated our account was paid in full and we would receive a full refund of our deposits. I also provided her with our forwarding address. Our phone numbers remain unchanged. We received and deposited the refund check dated XX/XX/XXXX into our account on XX/XX/XXXX. A copy is attached. At no time were we told of any amount unpaid nor given the opportunity to dispute said charges until we were sent to collections.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX JXXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXXXXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX  XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX  I contracted to purchase a Tesla XXXX  XXXX via the Tesla purchasing process. There is no personal interaction, and communication is entirely by text, e-mail and phone app. I specified at the sales contract signing that I had arranged financing outside Tesla and would deliver payment prior or at time of delivery. Without my signature, authorization or knowledge, at the time I notified the 'app ' that payment would not be through Tesla financing, on XX/XX/, Tesla immediately drafted {$58000.00} on XX/XX/XXXX  from my checking account. Tesla previously had authorized access to that account for lease payments on a vehicle previously leased by me from Tesla. I had, however, at no time approved or authorized Tesla to draw the full purchase price of the new vehicle from my account, and Tesla did not request that approval to draft my account. 

I resolved the matter by transferring the purchase amount from my outside lender, and my only loss was the 'stop payment ' and 'block payments ' charge my bank charged me to block Tesla from doing this. 

Please investigate the processes at Tesla finance that enable the company to engage in this seemingly unlawful activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by the law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C Sec.1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you pease check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

I DEMAND THE FOLLOWING ACCOUNTS TO BE VERIFIED OR REMOVED IMMEDIATELY. 

Name of account Account number XXXX XXXX XXXX XXXX Name of account Account number XXXX XXXX XXXX XXXX Name of Account Account number XXXX XXXX XXXXXXXX XXXX Cancel contracts. Please provide the original contract or delete. 

I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 



In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

I requested a balance transfer payment to be made to Capital One in full on XX/XX/2024. XXXX weeks later, I received a response from XXXX XXXX that the check that they sent to Capital One was returned and therefore canceled. I was then told by XXXX XXXX that I have to wait XXXX hours to complete another balance transfer. After doing so, the new balance transfer was completed and paid on XX/XX/XXXX electronically, prior to the due date. After this payment was made, the account reflected a {$0.00} balance. As of today, XX/XX/XXXX, I was charged interest of {$120.00} and told by the Capital One representative that if XXXX full payments are not made for at least XXXX billing cycles, I would be charged interest. 

This was not told to me when I spoke to the representative at Capital One when I called to get information about the balance transfer process and things that I needed to be aware of.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I have been trying to reach Rushmore Loan Management Services to discuss what options are available during the pandemic. I called on XXXX2020 around XXXX PST and continue to called as they said they were open until XXXX PST. The auto message then said they were closed. We have tried contacting them through their messaging service and still no answer. I am on the phone currently XXXX2020 and have been waiting over 51mins XXXX PST. Many others on their XXXX social media have complained about not getting through as well.
Product: Credit reporting or other personal consumer reports

The following accounts are in violation of the FCRA. The following accounts are reporting as late, I have NEVER been late on these accounts. 

-- -XXXX XXXXXXXX acct # XXXX, opened XXXX -- XXXX XXXX XXXX acct XXXX XXXX, opened XXXX -- -XXXX XXXX XXXX XXXX acct # XXXX XXXX opened XXXX -- XXXXXXXX XXXX  acct # XXXX, opened XXXX
Product: Credit card or prepaid card

I used my employee Amex card to pay for a business trip at XXXX, TX this XXXX. Its was a two night stay with one night of room upgrade. When I checked out, the fairmont front desk mistakenly booked two nights of upgrade and generated a bill of {$860.00}. I immediately notice them the mistake so they re generated the invoice, corrected the amount to be {$760.00}. 

Later I found out the charge on my Amex card was {$860.00}. So I submitted a dispute with Amex, attaching the copy of the receipt. After months of investigation, the Amex dispute department came back saying the charge was valid, attaching the old incorrect invoice as their proof. 

The correct invoice of {$760.00} clearly shown the refund amount of {$860.00} and break down of the new amount due. But somehow Amex chose to ignore it or didnt even look into it. 


This is not the first time the dispute department did such a job. There was another charge of {$100.00} from XXXX where Amex claimed the charge was valid after their investigation, but XXXX the merchant has already refunded the charge due to fraudulent activity. 

I would like a formal explanation as to how Amex conduct their investigation.
Product: Credit reporting or other personal consumer reports

Violation of Consumer Rights under 15 U.S. Code 1681c-2 I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding the reporting of an account on my credit report that has been formally reported as an incident of identity theft. As a consumer, I believe that my rights, as outlined in 15 U.S. Code 1681c-2, are being violated, and I am seeking your prompt assistance in resolving this matter. 
Details of the affected account : Account attached below I have previously submitted a detailed report of identity theft, along with supporting documentation, to Equifax. Despite this, I have observed that the information related to the fraudulent account is still being reported on my credit file. 
Section 1681c-2 of the Fair Credit Reporting Act explicitly outlines the rights of consumers in cases of identity theft, emphasizing the obligation of credit reporting agencies to block the reporting of information resulting from identity theft. It is my understanding that credit reporting agencies are required to promptly block the reporting of inaccurate information resulting from identity theft. 
I am deeply concerned that the continued reporting of this fraudulent account is not only damaging my credit standing but also infringing upon my rights as a consumer. I am seeking immediate action to rectify this situation and bring my credit report into compliance with the provisions of the law. 
I kindly request that Equifax conduct a thorough investigation into this matter and take immediate steps to block the reporting of the fraudulent account on my credit report. 
I trust that Equifax will prioritize this matter and work diligently to rectify the violation of my consumer rights. 
Thank you for your prompt attention to this serious issue.
Product: Mortgage

Our house flooded and and insurance cut the check to my wife and shell point. We paid everything in full out of our pockets. They came and did an inspection of the completion and still have n't realesed any of our {$30000.00} check. They keep giving us the run around and we do n't know watt else to do.
Product: Mortgage

Good morning. 

I would like to know who I contact to file a complaint regarding the mortgage department and their employees. 

My loan number is XXXX My FHA Case number is XXXX I was working with employees XXXXXXXX XXXX and XXXX ( XXXX ) XXXX XXXX 

The following time line of events listed are the best to my knowledge. 

On or about : XX/XX/XXXX, XXXX I was conditionally approved for a mortgage loan of {$65000.00}. 
Again on XX/XX/XXXX. 
XX/XX/year> I withdrew {$650.00} from my bank account for a cashiers check for the title company. 
XX/XX/year> Chase Bank withdrew {$500.00} from my bank account for XXXX XXXX. 
XX/XX/year> I obtained home owners insurance, as I was advised to by my team for {$3300.00}. I have since had that policy cancelled and refunded to my account. 
XX/XX/year> I was told an appraiser would be out to the XXXX property and I would receive the report after the XX/XX/XXXX holiday. 
XX/XX/year> XXXX XXXX contacted me and the discussion ended in me terminating his services and me hanging up on him. 
XX/XX/year> the Appraisal Package was uploaded to the Chase XXXX app. 
XXXX XXXX I received a letter of denial for my loan for the XXXX property. 

For XXXX months I worked with XXXX and XXXX to get all the documents they requested as well as complete actions they asked. 
I was told all the jumping through hoops was because it was an FHA loan and the only loan I qualified for. 
I am now out of pocket {$1100.00} that I could use to close on my new home on XX/XX/year>. Is Chase Bank, XXXX, or XXXX going to refund these funds to my account, since the services I paid for were never rendered? 
After my discussion with XXXX on XX/XX/XXXX, I began working with a new team. I was approved for a loan of {$90000.00}, that was not an FHA loan, as I was told that was the ONLY loan I get approval for. Kinda funny that I began with my new ( better ) team less than a month ago and I am set to close and move in less than XXXX weeks. 
I trusted MY bank to take care of me and put my children and I in our forever home. However, yall failed individually by your employees and as a whole as a banking institution. 
I truly hope the {$1100.00} is refunded to me due to the failure of your entities. 
Also, how can you deny my loan, after I was approved already and terminated my team? I have told several of my friends to not contact Chase for lending. Yall are disgracefully a disappointment. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I never agreed or signed to take any services from this company. Nor did I receive any information of the debt against me. I am also no longer responsible for this debt even though it was not validated. I want this removed.
Product: Vehicle loan or lease

I bought a car on XX/XX/2022 at XXXX. I had to return and re buy it again XX/XX/2022 due to the salesman did not include the extended warranty. The lienholder Exeter Finance only shows one loan. However, all three credit bureaus show two loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX credit card through XXXX that was closed with a {$0.00} balance in XXXX. XXXX confirmed this with me on the phone on XX/XX/18. However, Experian is reporting that this account is delinquent and has a balance associated with it. According to the customer rep at XXXX XXXX, XXXX is telling Experian there is an open account with an owed debt on it. This is completely different than what they are telling me and what I know to be true!