23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX Balance {$530.00} XXXX  XXXX XXXX XXXX  XXXX Balance - XXXX  XXXX XXXX XXXX Balance - XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit card

My now exhusband jointly held a usaa XXXX credit card with me and we accumulatedcabiutv XXXX debt. In court divorce debt not allocated even though through freedom debt he said he paid this and only later said he pulled out and they were suing me by his name was not on the card. It was he had it removed them filed with frredom debt then they erroneously sued me. He signed a contracact taking on that debt. Now there is a judgement on my record that 's incorrect.
Product: Credit card or prepaid card

Chase sent me a letter dated XX/XX/XXXX that they were closing my credit card account " because continuing the relationship creates possible reputational risk to our company ''. 
I called the number on the letter " if you have any questions '' and when I spoke with a supervisor, he refused to give me any explanation on why they were doing this. My financial record is spotless and my credit score is XXXX but will drop significantly when they close this account on XX/XX/XXXX. I have one XXXX NON-FINANCIAL XXXX conviction on my record. What would this have to do with closing my account and hurting my credit?
Product: Vehicle loan or lease

my car was stolen i reported to police, insurance, and finance company. i also had gap insurance. my car was recovered and nation wide had it deemed a total loss. next thing i get from fiance company saying they sold my car and canceled gap and got my premiums from gap when the insurance company had my car in there possession when fiance company said they sold it. how is that possable and i was never notified of said auction i was under the assumtion that my insurance company and gap took care of everything. the insurance company had my car not me now credit acceptance reports i owe and my car was repo when that is a lie Case Number : XXXX, XXXX XXXX Disposition Date : XX/XX/2018 Disposition : Inactive Occurred Thru : XXXXXX/XX/2018 XXXX Occurred From : XX/XX/2018 XXXX Incident Type : Motor Vehicle TheftXXXX County Sheriff Summary Case Number : XXXX Print Date/Time : Login ID : XX/XX/2018 XXXX XXXX County Sheriff 's Office XXXX XXXX   Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  and XXXX  lending are closed, but not deleted. Recently I did anon my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX XXXX correct. In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX  accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting XXXX XXXX accurate. The credit reporting agencies stated that those accounts were property investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were XXXX XXXX accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. RESOLUTION As a consumer, by law my credit report must be made XXXX XXXX accurate immediately by the credit reporting agencies updating and/or deleting the accounts listed in my dispute. In conclusion the I did give consent to any of the parties involved. 
ref : 16 CFR 313.4- initial privacy notice to consumer required.

16 CFR 313.8- Revised Privacy Notices 16 CFR 313.10- Limits on disclosure of non-public personal information to nonaffiliated third parties.

15 USC 6821- Privacy protection for customer information of financial institutions.
Product: Debt collection

Re : Formal Dispute of Account [ XXXX ] under the Fair Credit Reporting Act ( FCRA ) Dear Experian, XXXX, XXXX I am writing to formally dispute the inaccurate reporting of my XXXX XXXX account ( [ Account Number : XXXX ] ) on my credit report. The information currently being reported is inaccurate and incomplete, violating the Fair Credit Reporting Act ( FCRA ). 

Specific Issues Identified : 1. Incomplete Payment History : The 24-month payment history for this account is either missing or incomplete for several months in 2024. Reporting No data is a clear violation of FCRA requirements for accuracy and completeness of account information.

2. Inconsistent Status : The account is labeled as a Collection account with a {$4100.00} balance past due as of XX/XX/year>. However, no documentation has been provided to validate this status. 
3. Unverified Balance and Past Due Amount : The reported balance and past due amount are identical at {$4100.00}. These figures lack substantiation, raising questions about their validity and compliance with FCRA standards.

4. Contradictory Account Classification : The account is reported as Closed but simultaneously marked as a Collection account. This contradiction reflects reporting inaccuracies. 
5. Remarks Indicating a Dispute : The account includes the remark Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ), yet there is no evidence of an investigation by the data furnisher.

Requested Actions : I respectfully request the following actions : 1. Verification : Verify all reported information with original account agreements, full billing statements, and payment history records provided by XXXX XXXX. 
2. Correction : Update the payment history to reflect accurate and complete data for all months.

Remove the Collection account designation if XXXX XXXX can not provide verifiable evidence. 
Correct discrepancies between the accounts Closed status and Collection classification.

3. Investigation : Conduct a thorough investigation as required under FCRA Section 611 ( a ) and provide a detailed written explanation of your findings.

Next Steps : If the disputed information can not be verified within 30 days, I demand its immediate removal under FCRA Section 611 ( c ).

Failure to resolve this dispute may result in the following actions : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

Pursuing legal remedies under FCRA Sections 616 and 617 to seek damages for harm caused by this inaccurate reporting.

Please confirm receipt of this letter and provide updates on the status of your investigation.
Product: Money transfer, virtual currency, or money service

I put money on my chime and some money that are unauthorized transaction I explain to customer service that I XXXX XXXX XXXX that same day so that wasn't me and I didn't believe me
Product: Debt collection

I maintain that these late payments are inaccurately reported, and I am troubled by the fact that your bureau has allowed such misleading information to tarnish my credit report. As a consumer, I expect that credit reporting agencies exercise due diligence in ensuring the accuracy of the information they disseminate. I was the victim & Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. I am deeply concerned about the negative impact this misinformation is having on my creditworthiness and financial standing. 
XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I request an immediate and thorough investigation into the reporting of these late payments. The inaccuracies in question are unacceptable and have the potential to cause significant harm to my creditworthiness, impacting my ability to secure favorable terms for future financial transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent them a request on XX/XX/2018 to send me all the information about the car loan, the repossession and the sale of the car. they refuse to send me any paper work because I am the co-owner of the vehicle. they stated that all information was sent to owner ( who lives 3 hours away ) and states that she has not received any thing from them, including information about getting the vehicle back or how much the vehicle was sold for or where. been trying for years to resolve this issue, but getting no satisfaction. the amount owed changes constantly on the credit reports and is never reported accurately on all three.
Product: Vehicle loan or lease

I can't obtain a payment agreement without the consent and cooperation of the lender. I've requested a payment plan and other repayment options to no avail.
Product: Credit reporting or other personal consumer reports

Im looking to get these inquiries that I do not recognize off my credit report they have been on there for longer than the time frame they were suppose to be and most of them I do not recognize nor authorized for them to pull my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX : XXXX # XXXX Account XXXX : XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This company called ALS states I owe debt but said my time has expired and they are calling for verification of my address to serve me a lawsuit. When I asked about the debt they said that they already mailed me the information and that they would not do that again. Said they could only email but never did. " XXXX XXXX '' stated that he contacted my mortgage company and talked to someone to put a lien on my mortgage and that they contacted law enforcement because I did not pay my debt. Keeps calling me and family members and said the paperwork is filed with the courts. Told me good luck on last phone call on XXXX
Product: Credit reporting or other personal consumer reports

I am submitting a follow-up complaint to inform you of my unfortunate experience as a victim of identity theft. In accordance with FCRA Section 605b, Credit Reporting Agencies are required to expunge any items listed on an identity theft report, specifically under my reference # XXXX. Enclosed are the documents intended to facilitate the removal of inaccurate information and inquiries currently being reported on my credit files. The following is a list of inquiries and inaccurate addresses that neither belong to me nor were opened with my consent : XXXXEXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to remove any items in the file of a consumer identified as information resulting from alleged identity theft not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had identity theft and there are a few inquiries that need to come off my reports asap XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX   XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - Gm Financial XX/XX/XXXX - GM financial
Product: Debt collection

RE : ALLEGED DEBT ACCT # XXXX / $ XXXX ACCT # XXXX / $ XXXX BETWEEN XXXX CREDIT MANAGEMENT COMPANY VIOLATED MY CONSUMER RIGHTS UNDER THE FDCPA AND FCRA. CREDIT MANAGEMENT DID VIOLATE BOTH OF THESE ACTS BY FIRST ILLEGALLY PARKING A UNVALIDATED DEBT ON MY CONSUMER REPORT WITHOUT SEND A NOTICE OF DISPUTE. SECONDLY CREDIT MANNAGEMENT USED WITHOUT MY PERMISSION FORMS OF MY IDENTIFIABLE INFORMATION TO ACCESS MY CONSUMER CREDIT REPORTS WITHOUT PERMISSIBLE PURPOSE IN VIOLATION OF 15U SC 1681b. CREDIT MANAGEMENT WAS ISSUED A CEASE AND DESIST, AND AN INTENT TO SUE UNDER THE FDCPA AND FCRA FOR THIER VIOLATIONS. 

THIS COMPLAINT SHALL BE RECORD ADDED TO THE OTHERS TO THIS COMPANY ONGOING ABUSIVE FDCPA, AND FCRA PRACTICES
Product: Credit reporting, credit repair services, or other personal consumer reports

America first credit union is showing incorrect information on my credit report, It is showing a late payment for XX/XX/XXXX. The balance has been at XXXX since XX/XX/XXXX. I paid the full amount due of {$150.00} on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and concern regarding the unresolved issue of fraudulent items on my credit report. Despite my previous XXXX attempts to rectify these inaccuracies, the fraudulent entries persist, significantly impacting my creditworthiness. This letter serves as my third formal request for the removal of these erroneous entries. Despite these efforts, these fraudulent items remain on my credit report, causing undue harm to my credit profile and financial reputation. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is accurate, complete, and free from inaccuracies. The continued presence of these fraudulent items on my credit report not only violates the FCRA but also undermines my ability to access credit, secure loans, and make important financial decisions. I urge you to treat this matter with the urgency it deserves and provide a written response within the legally mandated XXXX timeframe, confirming the removal of the fraudulent items from my credit report. I appreciate your immediate attention and also for your help to this matter and your commitment to resolving it promptly. Please help me remove these items immediately : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Mortgage

I made several earlier complaints against this mortgage servicing company - Seterus Inc ; - my complaint reference # XXXX of XX/XX/XXXX refers. 

With effect from XX/XX/XXXX - Seterus Inc ; transferred my loan servicing to another company - Nationstar Mortgage LLC d/b/a Mr. Cooper. This was done without my agreement, especially as my several complaints against Seterus Inc ; have remained unresolved. 

At the time of transfer to Nationstar Mortgage LLC d/b/a Mr. Cooper - Seterus Inc ; mentioned in 1098 form of XXXX that they paid for my real-estate taxes. I have no escrow, either for real-estate taxes or for hazard insurance. I am wondering how and why Seterus Inc ; paid my real-estate taxes without my knowledge or without being requested by XXXX XXXX Texas officials. 

An action needs to be taken by CFPB against this company, as I have noted from your web-site, millions of complaints have remained unresolved against Seterus Inc ; Kindly provide resolution of my previous complaint # XXXX dated XX/XX/XXXX and resolution of this complaint. 

It is of utmost importance that I receive a response, as Texas Department of Savings & Mortgage Lending ( Texas SML ) is dealing with Nationstar Mortgage LLC d/b/a Mr. Cooper. For your information - Nationstar Mortgage LLC d/b/a Mr. Cooper is also manipulating their records, harassing, and making our life difficult - treating us like criminals, although we have and are making timely payments.
Product: Mortgage

I am writing about a HELOC loan I established with XXXX in XX/XX/XXXX, which was later transferred to Specialized Loan Services ( SLS ). The loan had a maximum draw of $ XXXX with interest only payment for the 10-year draw period, which was to be followed by a 5-year principle/interest payment period. 

My trouble with SLS seemed to start in XX/XX/XXXX, the year I filed Chapter XXXX bankruptcy. At that time my HELOC balance was about {$51000.00}, I was current with all HELOC payments, and was still in the interest-only payment schedule of that loan. I believe SLS is engaged in unfair and deceptive loan practices with respect to fees and would like your help in bringing transparency this situation. 

Specifically, I have been hit with numerous fees on this loan that have not been adequately explained. I have contacted SLS on numerous occasions by phone and in writing ( attch XXXX ) to get clarification. Their response ( attchs XXXX and XXXX ) did not explain the basis of these charges. I have also attached a detailed account summary ( attchs XXXX and XXXX ). 

I have been charged the following fees in XX/XX/XXXX/XX/XX/XXXX but do not know what they are for or if they are consistent with industry practices Date Amount Code* XXXX/XXXX/XXXX {$300.00} XXXX XXXX/XXXX/XXXX {$350.00} XXXX XXXX/XXXX/XXXX {$110.00} XXXX XXXX/XXXX/XXXX {$65.00} XXXX XXXX/XXXX/XXXX {$270.00} XXXX Code listing is at attch XXXX Additionally, I have been charged {$330.00} monthly since XX/XX/XXXX. 

My attempts to find out if these are legitimate charges have been unsuccessful and even rebuffed by SLS. I would appreciate it if you could help me in this matter. Additionally, I would like the name and contact information for a knowledgeable person at SLS who can address and future questions.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that I had some collections and inquiries that were fraudulent.
Product: Credit reporting or other personal consumer reports

Here is a list of the unauthorized inquiries I am disputing : 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 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 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
Product: Credit reporting or other personal consumer reports

This below accounts are being reported inaccurately as a charge-off, which in fact the accounts were paid in full. The companies are violating 15 USC 1681e ( b ) if there was in fact a charged off debt as well as 15 USC 1681s2. I demand that this account be deleted from my credit report immediately to avoid any civil penalties as I am prepared to exercise my legal rights under the FCRA. I have forwarded letters to the creditor and all three credit bureaus, and they have failed to adhere to the requests or respond. 

XXXX. XXXXXXXX XXXX  XXXX, account # XXXX ; XXXX XXXX XXXXXXXX account # XXXX, and XXXX. XXXX XXXX account # XXXX.