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

Account Information : Account Number : XXXX Date Reported : XXXX XXXX, XXXX Account Type : Auto Loan Account Status : Open ( Should have been marked as closed after 180 days of delinquency ) Disputed Inaccuracies : Failure to Investigate : Despite my request and the statutory obligations outlined in the Fair Credit Reporting Act ( FCRA ), Credit Acceptance Corporation has failed to conduct a proper investigation into the inaccuracies on my account. 

Failure to Report Investigation : Credit Acceptance Corporation has neglected to report the results of their investigation to the credit reporting agencies, which is a direct violation of the FCRA. 

Account Not 100 % Accurate : The account information reported is not accurate. Despite statutory guidelines specifying that the account should be marked as closed after 180 days of delinquency, it is still marked as open. 

Legal Violations : FCRA Violations : Credit Acceptance Corporation is in violation of FCRA Section 1681s-2 ( b ) by failing to provide accurate and complete information to the credit reporting agencies.

FDCPA Violations : The failure to conduct a proper investigation and report the results to the credit reporting agencies constitutes a violation of FDCPA Section 807 ( 8 ) and Section 809 ( b ).

Requested Action : I request an immediate and thorough investigation into the inaccuracies and violations mentioned above. Additionally, I demand the removal of this account from all three credit reporting agencies ( XXXX, XXXX, and XXXX ), in accordance with FCRA Section 1681i ( a ) ( 1 ) ( A ).

Further Actions : I intend to pursue this matter further by involving my legal representation, filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), and submitting a complaint to the XXXX XXXX XXXX ( XXXX ) if necessary. 

I expect your prompt attention to this matter and a written response within the statutory 30-day period. Failure to do so may result in further legal action. 

Summary : The reported account, which should have been closed after 180 days of delinquency, continues to be inaccurately reported as open. This situation reflects a failure by Credit Acceptance Corporation to properly investigate and report the status of the account, thereby violating FCRA and FDCPA regulations. Immediate corrective action and a thorough investigation are required, and further legal steps will be taken if necessary. 

Thank you for your immediate attention to this matter. 

Sincerely XXXX
Product: Credit reporting or other personal consumer reports

This is my second notice asking the following credit bureaus TransUnion, XXXX and XXXX to remove This is my second notice asking the following credit bureaus TransUnion, XXXX and XXXX to remove the following account : XXXX XXXX  account number : XXXX from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and XXXX XXXX XXXX and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate. from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and XXXX XXXX XXXX and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Syncb/tjx co dual I been paying my bill on time evrey month no late payments no nonething and they closed my account it should be no reason for this to be on my credit report wen they closed the account
Product: Credit card

Chase issued two XXXX cancellations/discharges of debt back in XXXX which I filed with my income tax return for that year ( attach with complaint ). Chase continues to report the accounts to XXXX, XXXX and XXXX as charged off, closed BUT with a current past due amount. This current past due amount should be XXXX ( {$0.00} ). When I called Chase, they told me that they agree that they charged it off, issued the XXXX and will not collect but have the right to continue to show past due amounts. There is case law on whether an original creditor can collect after they 've issued a XXXX. In the bankruptcy case : XXXX, Debtors., United States Bankruptcy Court , XXXX Tennessee, XXXX XXXX, XXXX, the Court Stated : " It is inequitable to require a debtor to claim cancellation of debt income as a component of his or her gross income and subsequently pay taxes on it while still allowing the creditor, who has reported to the Internal Revenue Service and the debtor that the indebtedness was cancelled or discharged, to then collect it from the debtor. ... ... The court does not agree with the argument that because a Form XXXX can be corrected or amended, it can not constitute an admission by a creditor that a debt has, in fact, been discharged or cancelled and that the debtor is no longer indebted thereon. ''
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and correct them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I was encouraged by Sallie Mae to defer payments after school after I graduated in 2005. I started making payments approximately a year later as I was instructed to do so. In that time my loan went from approximately {$80000.00} to {$100000.00}. I am never notified of the interest rate changes before they change. I have paid almost {$75000.00} to the Sallie Mae and now Navient ( Sallie Mae sold my loan to Navient ) and my balance is over {$75000.00}. It just does not add up. I am going to refinance my loan with XXXX to a fixed rate b/c payoff date with this loan seems to change. I am so distraught over this and I have never missed a payment. When I call Navient I do not get clear answers and I end up waiting on hold for 20-30 minutes sometimes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau : Dear Sir or Madam/To Whom It May Concern, On XX/XX/XXXX, I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On [ Enter Date ] your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. 

This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 
Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative items, as originally requested.

Below are the items that do not belong to me that you continue to report illegally. 

XXXX XXXXXXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX {$3600.00} XXXXXXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$18000.00} XXXXXXXX XXXX  XXXX XXXX {$0.00} -Over 7 years delete now XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$12000.00} -never late I recently disputed these accounts with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623. 

If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 

If you were able to conduct a proper investigation of the records for this account and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 

I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX DOB : XX/XX/XXXX
Product: Student loan

I went to a Mortgage Broker to see if I could get approved to by a house. I noticed that my loan from University Accounting Services was not listed. I called and asked why is was not on my credit report. Both time I tried calling I was told they can not speak to me about my account and to contact XXXX, who is the lender. The second time I called I asked for the contact information so I could call them and they kept repeating " I have no information to give you. '' I have tried looking up XXXX online to find their contact information and I cant seem to find anything. 
On my statement for this loan, the only contact info given is for UAS. At this point, I have no one to talk to about this account. Why would I continue to pay on a loan when I cant contact the lender. I 'm concerned about the handling of this loan.
Product: Vehicle loan or lease

I am XXXX XXXX Military. I have given my wife complete power of attorney over all of my affairs. My auto Loan was sold to a collection agency by the name of Westlake Portfolio Management. My wife made every attempt to do business with this company by submitting the power of attorney and speaking to the companies lawyer via email. They continued to deny her access to manage the account so we went to our local JAG office and had them investigate this matter. After the investigation was complete they found that this company has violated several North Carolina laws to include the Truth in Lending Act Discrepancy, False Rebate, and Unlawful " loan packaging. All that was requested at the time was that a voluntary surrender of the vehicle take place and the vehicle to reflect positively on my credit report. In a verbal conversation with my JAG attorney, Westlake 's attorney XXXX XXXX agreed to the surrender and was in the process of handling this matter. A short time later a repossession truck came like a thief in the night and took the car without any attempt to retain the keys that were in our possession. When our attorney brought this to Mr. XXXX 's attention he sincerely apologized and said he would handle it. My attorney has not heard from him since. We have sent out demand letters to this company and they have gone unanswered. This company has since reported this as a repossession to the credit burros and damaged my credit significantly. I have tried to dispute this with the credit burros and Westlake has now been reporting a deeper delinquency on a monthly basis causing my credit to plummet. I have enough to deal with in the XXXX XXXX then to deal with this level of harassment. My JAG attorney has advised that I seek an off base attorney to sue Westlake for all it has done and continues to do. Westlake will respond to this site with lies as they have done in the past. After investigating this company I have found that they are in over there head with lawsuits for harassments to customers. After my wife has made over fifty attempts to deal with this company with not only my power of attorney but with my written and verbal consent as well, she has asked Westlake to stop harassing her if they refuse to deal with her. They have made well over fifty harassing calls to her calling her XXXX, XXXX, and threatening her with jail, garnishment of her social security checks, and ruining her life and she's not even on the loan! I want this company to be held accountable for there actions. They are bullies and unprofessional!! Enough is Enough!! What a way to treat a service member and there family. Shame on you Westlake Portfolio Management!
Product: Money transfer, virtual currency, or money service

The complaint against Cashapp is being filed today due to their customer service and unfair practices regarding said customer service. I have never spoken to or dealt with a live agent regarding all my time of being a consumer of Cashapp. This violates the Consumer Financial Protection Act. They have never addressed scamming and fraudulent occurrences through their app, leaving me and my finances vulnerable. Their dispute process is deceptive and non attentive due to their non compliance of the Electronic Fund Transfer Act.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into an unauthorized hard inquiry on my Transunion credit report. I discovered this inquiry while reviewing my credit report and believe it was conducted without my knowledge or consent. 
The details of the inquiry are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or any affiliated party to access my credit report, nor did I initiate any transaction, application, or business relationship with this company that would warrant a hard inquiry. According to the Fair Credit Reporting Act ( FCRA ), only inquiries authorized by the consumer are permissible. 
I have already contacted Transunion and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  regarding this issue and have not received a satisfactory resolution. Therefore, I am seeking your assistance in removing this unauthorized inquiry from my credit report. 
I request your prompt attention to this matter, as unauthorized inquiries can negatively impact my credit score and financial standing. Please let me know if you require any additional information or documentation to assist in your investigation. 

Thank you for your time and assistance. I look forward to your response.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/year>, I fell victim to two multi-layered scam operations run by an online service promising rental arbitrage, which involved me making deposits for a total amount of {$9400.00} from my JP Morgan Chase account to fraudulent firm.
Product: Credit reporting or other personal consumer reports

Im writing to formally request the removal of illegal medical information included in my consumer report, as it violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) ) XXXX ). The presence of such information not only breaches my privacy but may also result in unfair treatment. 
Upon reviewing my consumer report, I noticed that the following medical information has been included : * XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX Under the FCRA and related laws, consumer reporting agencies are prohibited from including specific types of medical information unless explicitly permitted under certain circumstances. i dontnot consent to the sharing of this information.
Product: Mortgage

I am in danger in having my home foreclosed upon by Nationstar Mortgage. I need help. I am behind on my payments and have gotten no help from my lender. I went through the state of Oregon required foreclosure prevention program. I proved financial hardship caused by unemployment, painful divorce and new job paying much less than my old one. My then wife and co borrower left me for other men after thirty years together. She has since filed quit claim deed on property and has nothing to do with it now. I sent all the documentation that the lender required. Lots of forms, tax info and the like. I asked for a lower, affordable mortgage payment so I could stay in my house. I asked for debt forgiveness on my past dues. No solutions, government plans, or help has been offered at all. I had n't heard from my lender in a couple months, at least, then I received a letter from their law firm stating that they would seek a default judgement against me. I want a fair chance to save my house for my daughter and myself. Nationstar has not dealt with me fairly from the beginning. They have shown no interest in helping me save my house. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the 3 Credit Bureaus and the XXXX XXXX XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please update for 100 % accuracy. 
XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2021 Balance : Balance : {$17000.00}
Product: Credit card

Purchased an XXXX XXXX XXXX XXXX on XX/XX/year> from XXXX XXXX XXXX XXXX did not do a signature delivery and merely left a {$800.00} item sitting at my door step XXXX XXXX told me this was an acceptable delivery and told me to contact the police and theres nothing else they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

i didn't authorize these inquires and they refuse to remove them after i stated that.
Product: Mortgage

I have already opened a case with the CFPB regarding this matter. ( Complaint number XXXX ). I am trying to leave " feedback '' regarding the lender 's response which was filled with lies. The feedback button is broken and nothing opens when I click it. I have attached a timeline, which you can clearly see contradicts with their timeline. The denial letter stated a completely different reason from the one that they provided in their response ( gift funds and VOR is stated in their response and our denial letter stated " inadequate collateral ''. ) We provided a VOR and rent checks earlier in XXXX. As you can see in my timeline, I also noted emails, dates as well as points of contact. I personally contacted LoanStream multiple times to check the status during the process and they never mentioned anything about waiting for the broker. I was never told that things were " missing '' I was always told that it was " In Docs '' and would be finalized " that night '' which clearly never happened. 

After I left the initial complaint with CFPB, I was contacted by the COO at LoanStream, but he just seemed dead set on getting the timeline so that he could create his response and try to make them coordinate. Loanstream ruined the relationship between the borrower ( us ) and the seller. The seller refused to give us back our deposit of {$10000.00} and it took us weeks to negotiate. I lost {$2000.00} to the seller as well as the costs mentioned in my original complaint. 

In closing, the response that LoanStream left is filled with lies. We were not " unresponsive '' to their calls. We answered and sent the attached document directly to XXXX XXXX who called us back that night with a team of people on the phone. In fact, the attached document was created specifically for Mr. XXXX. Unfortunately, their main goal was to simply get us to put the additional money down and purchase the house that the seller refused to sell to us. ( Note : the seller 's broker also left a negative review for Loanstream and refuses to work with them so it was a dead end. ) To further prove that Loanstream is a crooked company, once I left my negative ( yet 100 % accurate ) review, they did their best to " bury '' it with fake positive reviews. Some are from actual employees of the company.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a payment of {$900.00} to my Gapcard account via the XXXX XXXX XXXX  bill pay website. The {$900.00} payment is clearly shown on my XX/XX/XXXX credit card statement. My XX/XX/XXXX statement reflects my balance minus the {$900.00} payment that was made XX/XX/XXXX. My XX/XX/XXXX statement shows {$900.00} added back to my balance listed as " Adjustment-Payments ''. I called the company and spoke to a customer service rep who seemed very confused and stated I should call back if the issue did not resolve in the next billing cycle. The next day I spoke to a more helpful rep who agreed the Adjust-Payments charge looked odd and opened a case ( XXXX XXXX ) on my behalf. She informed me it could take up to two billing cycles to correct the issue. I received a letter in the mail from Barclay 's Gapcard dated XX/XX/XXXX referencing my case number. The letter stated my inquiry had been resolved and that my next billing statement would reflect the correction. There was no contact information listed on the letter and it simply stated to call customer service with any issues. My XX/XX/XXXX did not show the {$900.00} applied to my balance and I called customer service again. After giving my case number and explaining the letter I received the representative told me the issue was with my bank and that I needed to contact XXXX XXXX XXXXXXXX. I contacted XXXX XXXX XXXXXXXX and received confirmation that a representative from the bank had spoken to a Gapcard representative and the outcome was that they confirmed receipt of the {$900.00} payment and no late fees were charged to my account. My XX/XX/XXXX and XX/XX/XXXX statements still did not show the {$900.00} credit and when I called again a representative told me their investigation into my case is on-going and the issue seemed to be with my bank. Again I contacted XXXX XXXX XXXXXXXX and received a response stating a bank rep confirmed receipt of the payment. My XX/XX/XXXX and XX/XX/XXXX still show a balance and I have yet to see the {$900.00} payment clearly credited back to my account.