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

Ive checked my credit report recently and noticed information that I did not give written .permission to publish on my credit report, being published to my credit report.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting Act, this creditor ( XXXX ) has violated my rights under 15 USC 1681. Section 602 states, I Have the Right to Privacy 15 USC 1681 Section 6O4A, Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 1666-B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Furthermore, this credit reporting agency ( TransUnion ) violated the above stated laws by varnishing a credit report with a late payment in XX/XX/XXXX under a revolving line of credit with XXXX, as well as XXXX late payments in XX/XX/XXXX and XX/XX/XXXX under an installment loan with XXXX. These payments have not and can not be verified as late and again under 15 USC 's 1666-B can not be treated as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I has an account with XXXX in XX/XX/XXXX and paid the account in full a few months later. The company came back later to indicate I still owed money and when I refused to pay because I had evidence that the bill was paid in full, they reported that I was late to the 3 credit bureaus. To avoid further impact to my credit report I paid the money. 

In XXXX of XXXX, I received a letter and a check from the FTC indicating that According to the FTC 's complaint, XXXX  engaged in numerous deceptive or unfair practices, including : falsely advertising that it would accept payments by credit or debit cards failing to properly and timely credit payments made by check providing deceptive payoff quotes to customers trying to collect more money than the quoted payoff amount and making unauthorized charges to customers ' bank accounts. 

When I reported a dispute to all 3 credit bureaus to have the missing payment information removed from my credit report based on the FTC information I received, but all 3 came back to indicate that XXXX indicated the information is correct, rather than take into consideration the FTC notice which I have file several complaints with multiple agencies about XXXX practices and the inaccurate information on my credit report. I want the information corrected by all 3 credit reporting agencies because the FTC has proven that XXXX XXXXs practices have impacted my credit ratings.
Product: Student loan

I received an email on XX/XX/XXXX that I missed a payment and that my interest was capitalizing- I am currently on SAVE and have a $ 0 monthly payment per my XX/XX/XXXX IBR application submitted to XXXX. My understanding of the ED regulations was that any interest beyond the required payment amount would not capitalize. I also don't see how I could miss a {$0.00} payment. I have sent emails to MOHELA on XX/XX/XXXX and again on XX/XX/XXXX, but have not received a response- I can't call due to not being in the United States and having no access to a US based phone number. I have had an extremely negative experience with MOHELA since having them assigned as a new servicer. 

Please let me know what I can do to avoid being declared delinquent in the future and to avoid interest capitalization.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : {$250.00}. This was paid at the Hospital during service - I was never made aware of this credit issue. Hospital has payment in file. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$75.00} : XXXX  was paid thru the insurance and contacted the hopsital who billed the insurance. 

Commonwealth Financial {$1200.00} : This was repeatedly communicated to bill the insurance and insurance did assume the cost.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous complaints to BMW Financial Services concerning the following account XXXX. BMW Financial has refused to accurately report the above mentioned tradelines on my XXXX Credit Report I requested to speak to a representative in the Credit Reporting and Bankruptcy Department and was told by XXXX in customer service that she couldnt transfer me to the anyone to speak to about my situation. I explained to her the way the account was being reported was incorrect. She said that it was acceptable to report the repossession status in conjunction with the bankruptcy. I informed her that the reporting was incorrect and that it was considered to be continued " collection '' activity and that it violated my rights under bankruptcy protection. I am demanding BMW Financial Services to delete this account or will escalate my case to the higher authority or pursue other legal remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Subject : Urgent Request to Rectify Violations of the Fair Credit Reporting Act Dear Sir/Ma, I hope this email finds you well. I am writing to bring your immediate attention to a serious matter regarding my rights under the Fair Credit Reporting Act ( FCRA ). I believe that your current actions are in direct violation of several sections of the FCRA, as outlined below : Violation of 15 U.S.C 1681 section 602 A : The FCRA guarantees my right to privacy, and it is evident that your recent actions have infringed upon this right.

Violation of 5 U.S.C 1681 Section 604 A Section 2 : The FCRA clearly states that a consumer reporting agency must not furnish an account without my explicit written instruction. It has come to my attention that this provision has been disregarded.

Violation of 15 U.S.C 1666B : The FCRA specifies that a creditor can not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I have evidence indicating that you have incorrectly categorized a payment as late.

Given the gravity of these violations, I hereby request your immediate attention and action to rectify this situation. I insist that you promptly remove the late payment and any associated negative reports from my account. Furthermore, I kindly request that you update my account in accordance with the provisions set forth in the FCRA.

I trust that you understand the urgency and importance of addressing this matter without delay. Failure to comply with the FCRA may result in legal consequences, and I would prefer to resolve this matter amicably and swiftly.

I appreciate your prompt attention to this issue and expect a written response from you confirming the necessary actions taken to remedy the violations mentioned above. I look forward to a favorable resolution and a restored credit profile that reflects my accurate financial standing. 

Thank you for your immediate attention to this urgent matter. 

Yours sincerely, XXXX XXXX
Product: Credit card or prepaid card

Back in XX/XX/XXXX I sent a letter regarding fraud charges to my US Bank Reliacard. I never received follow up on investigation results on my account the money was never placed back in to my account. 
On XX/XX/XXXX I faxed another letter to obtain an update again as of today XX/XX/XXXX still no response by phone or mail. I called and was informed something was mailed on XX/XX/XXXX advised them I still had not received anything. 
They have poor customer service.
Product: Consumer Loan

we received in the mail ; Make home affordable which they stated would take almost XXXX what we owed lower house payment to XXXX a month just follow rules on card. You had to be late on home, payment wise it seems this was a scam. So I went to NFCU to try to get home loan caught up. The girl at the bank sat there as we were waiting for a answer, I was also willing to use my paid off XXXX Toyota as collator. As the girl in bank was laughing at what was suppose to be a loan, I was denied. I hope people like her, one day happens to her .It was bad enough to get scammed let alone where you do your banking was just as bad.Dont assume your bank is there to help you. Infact it all started with a complaint against the bank. Someone was trying to use my DEBIT card all over the world, I asked for paperwork on where exactly this happened I was denied.This all started over the theft of Tmobile phone
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, i discovered some instances of late payments on an account in which i have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. i have never missed a payment on the following accounts : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ] I request a thorough investigation into these discrepancies and urge you, to provide evidence, such as statements, demonstrating the lateness of these payments. if unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as i have consistently upheld my payment obligations without delay. i have attached all three reports showing inaccurate information in attachments. 

15 us code 1666b 15 us code 1681e ( b )
Product: Credit reporting or other personal consumer reports

Received a copy of my Equifax consumer report. Reporting information so, unverifiable, inaccurate and incomplete.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Accounts ( XXXX XXXX XXXX. original account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, and 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter demanding verifiable proof to unverified accounts on my credit report on XX/XX/19 and the letter arrived on XX/XX/19 according the tracking from USPS. The 30 days passed and I did not receive any response.

I sent a 30 day non response letter enclosing a copy of a letter that I mailed to the company via certified mail requesting they verify the alleged debt the company claims I owe. The tracking from the USPS shows the letter was delivered on XX/XX/19. It has been more than 30 days, and I have not received any proof that your company validated the debt.The non response letter was sent on XX/XX/19 and arrived on XX/XX/19. It has been more than 30 days again and my credit report has not been updated. 

All letters were sent with a copy of my identification documents as well as notarized form proving my identity. 

The company failed to respond to this validation request. A credit bureau is required to respond and complete the investigation within 30 days. They did do not respond within this time frame or respond at in my case so they must remove the negative listing disputed. If they do not, they are in violation of the FCRA
Product: Credit card

I made a payment of {$50.00} on my Best Buy credit card in store, in my local Best Buy. Citigroup/Citibank manages the account and is the creditor in said account. However, this payment does n't show on my payment history and only {$8.00} of {$50.00} was applied to my balance. The card to my knowledge is 0 % apr for the first year as long as the balance is paid in full, however my balance has inflated significantly. The payment was made at the XXXX XXXX store XX/XX/XXXX.
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  XXXX XXXX, XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to get a car loan and there was a lot of hard inquiries.I filed with identity theft.gov. 

FTC Report Number : XXXX I am a victim of Identity theft. This is my official statement about the crime. 

Contact Information First Name : XXXX XXXX Name XXXX XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Phone : XXXX Email : XXXX Personal Statement XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts Affected by the Crime Other Identity Theft Company or Organization : Date fraud began : Date that I discovered it : Total fraudulent amount : {$0.00} Fraudulent Information on Credit Reports Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Credit Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

XXXX XXXX XX/XX/2022 Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.
Product: Credit card or prepaid card

Consumer had a dispute with XXXX Bank which went to Federal Court but was resolved before trial. 
Bank of America used the fact that consumer was litigating a credit matter with XXXX Bank as an excuse to close consumer 's credit card in violation of Federal Law. 
No derogatory information exists on consumer 's credit report and consumer 's credit score is considerably higher than Bank of America claims.
Product: Mortgage

The amount SPS paid out in home insurance does not accurately reflect my policy documents and SPS WILL NOT EXPLAIN WHY SPS REFUSES TO UPDATE ESCROW DOCUMENTATION TO REFLECT TRUE POLICY AMOUNTS!!!! In addition, I was informed my account is on a Bankruptcy repayment plan. Why is it on one now and what is that?? I was never told about this. They Hijacked my credit reporting that i have not made any payments. I have made on time monthly payments. Why does my credit not reflect this?? I AM NOT IN BANKRUPTCY! 

I GET XX/XX/XXXX SPS paid XXXX {$3600.00} for policy effective XXXX. The policy was updated XX/XX/XXXX new amount {$2200.00} saving {$1400.00} SPS was notified, XXXX  returned {$1400.00}, I wrote Check # XXXX for {$1400.00} to SPS for ESCROW ONLY. All of this transpired prior to my first payment being due! 

Forward to XX/XX/XXXX and SPS paid {$2900.00} for Insurance. Updated policy effective XX/XX/XXXX was for {$2000.00} to all state saving {$920.00} INSURANCE & TAXES FOR XXXX TOTALED {$3300.00} NOT {$4800.00} INSURANCE & TAXES FOR XXXX TOTALED {$3200.00} NOT {$4100.00} I contacted SPS for 26 months and requested a new escrow analysis in XX/XX/XXXX to include the NEW INSURANCE PREMIUM!!!! SPS refused to update my insurance policy information and ran the Escrow analysis with the OLD/INCORRECT numbers! Therefore, it is unknown what the monthly payment should have been from the start. for unknown reasons and to this day they still REFUSE to update policy information! 

I am having a hard time understanding why SPS refuses to acknowledge the updated insurance premiums in XXXX and XXXX. If the policy information was updated reflecting the TRUE policy amounts there would not be an ESCROW shortage! 

The Enclosed documents sum everything up!!!! THE POLICY INFORMATION WAS NEVER UPDATED!!
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns about several issues I have encountered with the credit bureaus, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, and billing errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What else should I say? Again, this situation is making me sick! Experian and CFPB are unresponsive to my complaint. I keep sending numerous sets of letters to Experian so the excuse of we didn't get it '' doesn't happen but then nothing happened. It seems that they tend to ignore the trend and let this fraudulent account affect my credit score. I already contacted the furnisher and they approved of deleting the account from my file. They are bound to comply with the FCRA regulation section 605b but I think they are inattentive about this matter. I have already done my part by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Experian. Also, I have sent my FTC report to them but still, nothing has changed. They became neglectful of the FCRA law and continued reporting this information on my Credit File without Proper Confirmation or Investigation. I am an identity theft victim and I want you to do your part and DELETE this item that caused me so much stress. 

XXXX XXXX XXXX XXXX
Product: Credit reporting 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 BANKRUPTCY Account Number : XXXX and list of Inquiries. 

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

I put an alert on XX/XX/ due to because of errors from creditors who are not unable to send me anything and the bureau still has nothing to verify but just giving a run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card- last reported on XX/XX/XXXX {$2100.00} first opened XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 

XXXX  XXXX XXXX last reported on XX/XX/XXXX {$2000.00} XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 

XXXX XXXX  - opened XX/XX/XXXX $ XXXX reported it to the credit burrows as fraud Capital one - last reported on apr XXXX {$450.00} opened XX/XX/XXXX i opened the card but the card was stolen didnt notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud. 
XXXX XXXX  XXXX XXXX, XXXX {$7100.00} XX/XX/XXXX opened this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 

XXXX XXXX {$7100.00} XX/XX/XXXX opened XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 

XXXX XXXX " XXXX XXXX XXXX last reported XX/XX/XXXX {$550.00} opened XX/XX/XXXX this account i never opened and i called up the credit burrow, and XXXX and asked them to take it off and told and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 
XXXX XXXX " Capital one N.A last reported XX/XX/XXXX {$410.00} opened XX/XX/XXXX i opened the card but the card was stolen didn't notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE TO LETTER SENT XX/XX/XXXX DELIVERED VIA CERTIFIED MAIL LexisNexis Consumer Center XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Method of Verification - Bankruptcy Information Dear LexisNexis Consumer Center , I hope this letter finds you well. I am writing to request specific details regarding the method of verification employed by LexisNexis in the reporting of bankruptcy information. I recently received information from your database indicating the presence of a bankruptcy entry on my consumer report. In light of this, I am seeking clarification on how LexisNexis verifies and validates such bankruptcy information.