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

I reviewed my consumer reports and noticed that i had 5 late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate and provide proof with statements showing that these payments were late. If proof can't be provide I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Product: Debt collection

On XX/XX/2022 I wrote Equifax to file a formal compliant and investigation into a debt place on my credit report by XXXX account # XXXX for the amount of {$550.00}, with a balance of {$500.00}. This is not my account. Unfortunately your response has gone passed the 45 days allotted by CFPB, I have yet to receive a reply from you or any acknowledgment that an investigation has begun. Also, according to FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. In my initial letter, I listed my reasons for disputing the information. I have attached my first letter. I demand that you comply with CFPB regulations and FCRA 15 U.S.C 1681i you delete those items mentioned. This may be a result of the Equifax data Breech!
Product: Mortgage

From XXXX to XXXX, ongoing and repeated deluge of forms and letters from Select Portfolio Servicing Inc. that requested/repeated the same information. Replies sent as requested. Since, SPS has perpetuated errors regarding home appraisal, personal income, and residency/occupancy. 
- XX/XX/XXXX, my husband and homeowner died, house ownership transferred to me via WILL - XX/XX/XXXX, settled estate with lawyer - Fall XXXX, appraiser only visited part of house, leaving errors and omissions in report. Refused to correct ; errors continued by other appraisers - XX/XX/XXXX, Cares Act put moratorium on housing foreclosures- XX/XX/XXXX, SPS contacted XXXX XXXX XXXX, telling them that my house was being foreclosed. XXXX XXXX XXXX cancelled my insurance after that contact. 
- XX/XX/XXXX, new insurance obtained with California XXXX - XX/XX/XXXX, SPS notified XXXX XXXX that my house was being foreclosed and to cancel my insurance. XXXX XXXX responded to SPS that the insurance policy was with me ( the owner ) and not with SPS. 
- XX/XX/XXXX, started working with HUD Counselor, XXXX, XXXX XXXX - XXXX XXXX, SPS repeatedly reported my income as " {$0.00} '' which was and is not true. This error was reported to the HUD counselor, who first noted this error, and SPS. 
- SPS still did not correct this error, which has since been reported to " third parties '' - XX/XX/XXXX, my first mediation hearing in foreclosure prevention/home retention process - XX/XX/XXXX, XXXX XXXX XXXX XXXX phone message that SPS did not want my insurance policy renewed because " the house is unoccupied ''. This is absolutely untrue. 
- XX/XX/XXXX, talked with XXXX XXXX about the issue and confirmed that SPS had indeed falsely reported my house as unoccupied. 
- XX/XX/XXXX, my second mediation hearing for same ; Final Mediation Record obtained - XX/XX/XXXX, owner given 60 days to provide listing agreement, sales contract, before Default Judgement will be sought. Errors with personal income and home occupancy neither acknowledged nor resolved by SPS. SPS denied contacting XXXX XXXX, despite phone message from XXXX XXXX ( XX/XX/XXXX ) saying that SPS contacted them regarding non-renewal of insurance as house was " unoccupied. ''
Product: Debt collection

I AM A VICTIM OF IDENTITY THEFT, I NOTIFIED XXXX CREDIT BUREAU, THEY WERE SENT NUMEROUS TIMES FCRA 605B, MY IDENTITY THEFT POLICE REPORT, MY ID, EVERYTHING THAT IS REQUIRED TO HAVE AN ACCOUNT THAT IS ON MY XXXX  CREDIT FILE THAT IS A DIRECT RESULT OF THE IDENTITY THEFT I SUSTAINED, THEY REFUSED TO REMOVE IT. THE ACCOUNT IS FROM A COMPANY XXXX XXXX AND I ASKED WHY THEY KEEP ON LEAVING IT ON MY FILE, THEY SAID BECAUSE THE COMPANY XXXX XXXX XXXX KEEPS ON REPORTING IT TO US AS A GOOD ACCOUNT, SO I SENT XXXX XXXX  A LETTER AND A COPY OF MY POLICE REPORT FOR ID THEFT AND THEY STILL REFUSE TO REMOVE IT. THE FCRA STATES ONCE A CONSUMER ADVISES YOU THAT THERE IS A FRAUDULENT ACCOUNT ON THERE REPORT AND HAS PROOF THAT IT IS LIKE A POLICE REPORT STATING JUST THAT THEN YOU HAVE 4 DAYS TO REMOVE IT, OR YOUR IN VIOLATION OF THE LAW OF THE FEDERAL GOVT. NOW I DIDNT MAKE THE LAW, BUT I WANT THE LAW ADHERE TO NOW!!! I WANT THAT ACCOUNT BLOCKED FROM MY CREDIT REPORT ( XXXX ) AND NEVER PIT ON THE REPORT AGAIN ... SO I WANT XXXX   CREDIT BUREAU AND XXXX XXXX XXXX TO HAVE THIS REMOVED IMMEDIATELY ...
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX , I sent the following letter to  XXXX ,   XXXX  , and  Trans Union  ; asking them to correct errors that appeared on my credit report.  XXXX  has responded with a list of the corrections but I have n't heard anything back from  XXXX  or  Trans Union .
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX Balance Owed : {$1700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SS # : XXXX Date of Birth : XX/XX/ Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX XXXX  XXXX XXXX XXXX Payment Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX  XXXX Charge Off Account XXXX  XXXX Late Payment Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Late Payment Account XXXX XXXX Collection Account XXXX XXXX XXXX Late Payment Account XXXX XXXX Collection Account I strongly believe that these items are incorrect and have been reported unfairly. I have carefully reviewed my credit reports and have found errors and inconsistencies in the information provided. 



I would like to bring to your attention that under the Fair Credit Reporting Act, credit reporting agencies must provide accurate and complete information to consumers. Inaccurate and incomplete information can have a negative impact on my credit score and my ability to obtain credit and loans in the future. 



Regarding the late payment accounts, I would like to explain that I have experienced financial hardships and have been unable to make payments on time. However, I have since made efforts to catch up on missed payments and have been making regular payments. 



As for the charge off accounts, I was not aware that these accounts had been charged off and was not given an opportunity to make payments and settle the debts. I would like to request that these accounts be removed from my credit report, as I believe they were reported without proper notification. 



I kindly request that you investigate these items and take appropriate action to correct any errors or inaccuracies in my credit report. I also request that you provide me with a copy of my updated credit report once the investigation is complete. 



Thank you for your attention to this matter. 



Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$8600.00}
Product: Vehicle loan or lease

I was originally requested by my former partner, XXXX XXXX, to be a co-sign for a loan on a used XXXX XXXXXXXX XXXX XXXXXXXX XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I never went to the dealership, the deal was made between XXXX XXXX and the salesman, XXXX XXXX ( still employed there ). XXXX XXXX knew the truck was for XXXX XXXX and I was, in no way, going to be in possession or driving the vehicle. Mid-way through their dealings, I received a phone call, requesting my ID information for credit check and told it would be " better '' if the truck were in my name, solely. I advised I was requested to be a cosign on the loan, and that was my intention. A few hours later, XXXX XXXX and XXXX XXXX returned to my home ( in a different county ) with purchase paperwork, asking for my signature on all documents. XXXX XXXX was already in possession of the vehicle. The sale was complete as vehicle sale to me, solely. The financing was completed through GM Financial, and represented as a purchase by me and that the vehicle would be in my possession. XXXX XXXX had been making the payments on the truck up until about 30 days ago He has since refused to continue making payments. He is also blocking my attempts to recover the vehicle. However, as I have researched avenues to address this matter, it has been brought to my attention that this was a " straw purchase ''. The sale was fraudulently made by the dealership, knowing I was not to be the owner or driver of the vehicle. It was further misrepresented to GM Financial, who did not do their due diligence, either. Last, but not least, the sale was completed off-site from the dealership, at my residence, which was in a different county than the dealership was located.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also, I want to dispute this account XXXX XXXXXXXX, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b . See the documents attached.
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 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX XXXXXXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX REFERENCE # XXXX Account Name XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX REFERENCE # 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 2 : It also states a consumer reporting agency can not furnish a 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.
Product: Debt collection

Debt was forced to be removed previously and now they have replaced the debt back on my credit profile. I believe this is malicious at that point.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX ( XXXX, XXXX, XXXX, XXXX XXXX XXXXt Account # XXXX have 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

2 payments are reporting negative ( 30 days late ) that is highly incorrect. I have disputed this multiple times but has yet to be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Date of inquiry : XX/XX/2022 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 a account without my written instructions.
Product: Mortgage

Sente Mortgage provided a notice of required flood insurance to a newly assed flood zoned property. The letter was not mailed out in a timely fashion and I received it on XXXX XXXX On that date I called my insurer and added flood coverage, which had a required wait period before its start date. My policy start date was XXXX XXXX Sente purchased and then charged me for an insurance policy for XXXX XXXX XXXX XXXX. I feel that this is a predatory practice, Sente provides a late notice then purchases a policy to cover the gap, knowing that even if a consumer acts in a timely fashion, the consumer can not possibly be insured within the specified time frame. All notices and mailings from Sente arrive approximately 12 days after being generated. Additionally, since the mailing occurred during the holiday season, it was even further delayed. I have brought this to the attention of Sente representatives, but they state that there is nothing that they are willing to do to remedy the situation. I am requesting a refund of the policy to be placed back in escrow and that Sente account for the delay in the time correspondence is generated to when it is received by a consumer. If a more detailed accounting if these circumstances is needed, please let me know as I have time, dates, and the names of the representatives that I have spoken with
Product: Credit card or prepaid card

My card was stolen and used in several places so I disputed the charges on my card and now they have over {$1600.00} of my money on hold and are basically telling me it was my fault when I didn't even have my card from XXXX ... and I just need my funds back!
Product: Bank account or service

I want to create a situation to safely pass along my account to my daughter and nobody will comment on how to do it. They say I need 3rd party legal advice and 3rd party legal advice only knows so much. I want to know risk and terms regarding the ending of my account when I pass away and nobody answers those simple questions. I want to know if a debt holder could find out about my giving my account to my daughter who has unpaid debts, but nobody will answer that simple question as to what the bank will show in any availability to debt holders. 

I am widow of retired XXXX XXXX
Product: Vehicle loan or lease

I took an Auto loan from Chase Auto for approximately XXXX, *** dollars for XXXX XXXX XXXX  on the XXXX of XX/XX/2022. 

After that, I paid them approximately XXXX dollars bringing my principal down to the amount XXXX, ***. 
Looking at the higher interest rate charged by Chase auto at 3.99 %, I refinanced my loan with XXXX at 1.49 % on XXXX XX/XX/2022. 

After that XXXX sent the check for the payoff amount {$46000.00} to Chase Auto to close my account. On XXXX XXXX chase auto received my check and closed my account stated as paid in full. 

I continued paying XXXX, my monthly installments. 

On XXXX XXXX, I received a call from JP Morgan chase that I have not been paying my installments. After the confusion, I filed a complaint with XXXX. XXXX from the Executive branch was assigned to my case and he confirmed that Chase did a mistake on XXXX XXXX and sent the check back to XXXX without informing me and they did not realize that until XXXX XXXX that they have sent the check back. 

After that, I informed XXXX about it, and they started the process of canceling my loan affecting my credit score. 

Now, my loan is back to Chase Auto and I am liable to pay higher interest again. why? because chase auto did a mistake? 
I was willing to live with it, and paid them XXXX $ as the last 4 months ' payment and charged me XXXX $ interest for that amount, and deducted the least amount from my principal. 

I want chase Auto to match my interest rate of 1.49 % and also to fix the interest they charged me for the last 4 payments. 
Everything is caused by Chase Auto here, alot of confusion, wishy washy answers and trying to hide whatever they can.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My concern is with the infrequency that experian updates the information on credit reports despite claiming the information is current The problem with this is that credit scores are calculated based on credit used/balance outstanding. 

As an example : on my credit report dated XX/XX/2021 experian shows my XXXX XXXX balance of {$9800.00} as of XX/XX/2021 ... .however I made a payment of {$9000.00} on XX/XX/XXXX well before my closing date and then additional payments after bringing my balance to XXXX. 

Now experian is saying that the next update to my credit report will be XX/XX/2021 ( another 23 days from the writing of this complaint ) Which means that despite me paying down my balance in early XX/XX/2021 it wont be reflected on my credit report until mid XXXX Which means it limits what credit I can apply for because my ratios will look as if I am utilizing more credit than I am actually using. 

I try to dispute the balances to force a manual review however experian claims they reviewed the balance and it is correct and does not update the balances. 

This is very frustrating My score just dropped 15 points in XXXX and the reason given was increased debt usage But I am not using that debt Id like experian to truly update balances monthly and not claim they are but use data 60+ days old
Product: Credit reporting or other personal consumer reports

My son served in the US Marines and because of that, I was able to adjust my legal status and I became a US Legal Permanent Resident. The social security number XXXX XXXX XXXX was issued and assigned to me by the Social Security Administration. I want to do things right and be able to accomplish the American dream of buying a home for my family. on a property where I am currently under contract, my {$12000.00} deposit can be at risk if this home purchase gets canceled. I ask Equifax to please update their records to show my correct social security number. 
XXXX and XXXX have already updated their records. All I need is Equifax to do the same. I have sent Equifax the documents needed since XX/XX/23
Product: Debt collection

while checking my credit report with my financial advisor we saw that nationwide says i owe for a medical bill that was paid i have included the proof of payment directly from the source that says they did not submit that I owe anything. Please remove this from all credit bureau immediately! Thank you
Product: Vehicle loan or lease

My Car Loan financed from Volkswagen Credit for my 2016 VW Jetta S was paid off on XXXX. My early cancellation of Service Contract refund of {$1100.00} was sent to VW Credit on XXXX instead of sending it to me. 
It has been more than a year Volkswagen Credit has not issued that refund back to me since I had my account closed already by paying off all loan amount to Volkswagen Credit. 
I have been calling VW Credit in every few days to request for refunding me amount of {$1100.00} and has been receiving the same message over call that they will get back to me with an update, however no call backs are received from past one year. 

My enquiries with XXXX Volkswagen of XXXX reveal that Volkswagen Credit has cashed that check already on XXXX but no further action taken by them to refund me that amount.
Product: Credit card

I received a letter from Chase stating that my credit card was being canceled because continuing the relationship represented a possible reputational risk to Chase. Three phone calls were made with no explanation given. An e-mail was sent and we got a message saying that we would get a response in 10-12 days via US mail. When the letter came it referenced an article on a XXXX web site as the basis for their decision. ( XXXX ) This article references a XXXX in XXXX in 2006 and references someone with the same name as mine but actually has no relevance to me. I do n't live nor have I ever lived in XXXX, I have no criminal record and I have no relationship to the people in this article. I am recently retired, an XXXX, and a graduate of an XXXX XXXX University with no criminal record, not a XXXX as they seem to imply. 
After receiving the last letter from Chase, I called the person who had sent the letter ( XXXX XXXX ) four times over three days before getting a return call. He said that he would have the issue reviewed and get back to me within two days. It took five business days and an additional three call from me before he called and said that " they '' had decided not to change their decision. 
It 's obvious that Chase made no effort to verify their information and is perfectly willing to smear my reputation and hurt my credit rating based on inaccurate/false information and shoddy research on their part. 
I have several questions : Did Chase cancel the credit cards of everyone with my name? 
If the report had the name XXXX XXXX in it would they have canceled the credit card of everyone with that name? 
Why did they decide to cancel the account after two years? Is it because I always pay on time and they never collect any interest? 
It 's shameful that they feel free to impugn my character and integrity in the name of maintaining their reputation and hurt my credit rating in the process.. How can someone with a good credit rating and no criminal record possibly hurt the reputation of a company like Chase.