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

In accordance with the Fair Credit Reporting Act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX Inquiries : 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 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Debt collection

- Not a Valid collection - Item was to be deleted with Payment - Item Shows with a dispute Remark on my Credit Report after the Fact it was Resolved and Settled - Amount was n't clear from the Beginning and i disputed to inquire about the correct amount - Representative never got back to me or replied and took it from collection to reported on my credit report - i was forced to settle it because i was denied renting an apartment for my family until i settle this amount - fro m 2015 u ntil  XXXX ,  XXXX  and  XXXX  still shows as a dispute Remarks on my credit report Check Attached file Page  XXXX    XXXX   XXXX    XXXX  Account #  XXXX   XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract withXXXX  XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX XXXX and myself! Please send the proper validation
Product: Debt collection

I am writing to formally dispute the eviction judgment entered against me in XXXX XXXX, Texas, under XXXX XXXX XXXX. The judgment was issued on XX/XX/XXXX, in favor of XXXX XXXX XXXX XXXX XXXX XXXX resulting in a default judgment for {$1600.00}. I believe this judgment was issued improperly due to lack of proper service and procedural deficiencies under Texas law. 

Background & Dispute Details The case was filed on XX/XX/XXXX, and the default judgment was entered on XX/XX/XXXX. 
I never received proper notice of the lawsuit or court hearing, violating my rights under Texas Rules of Civil Procedure Rule 510.4. 
The claim amount was {$820.00}, but the final judgment amount was {$1600.00} with added fees and 5 % post-judgment interest, which I did not have the opportunity to contest. 
The court record includes an Order for Alternative Service ( Rule 501.2 ), but I was never personally served or made aware of any attempts to deliver court documents. 
This judgment is negatively impacting my credit report, rental history, and financial standing. 
Legal Basis for My Dispute 1. Violation of Texas Service of Process Laws ( Rule 510.4 ) Under Texas Rules of Civil Procedure 510.4 ( b ), a tenant must be served personally, by mail, or by posting at the premises only if personal service was unsuccessful. If alternative service was used under Rule 501.2, the plaintiff must prove diligent attempts were made to serve me directly, which I contest.

2. Grounds for Motion to Set Aside Judgment ( Rule 505.3 ) According to Texas Rule of Civil Procedure 505.3, a defendant can request the court to set aside a default judgment if : They were not properly served ( Rule 510.4 & Rule 501.2 ).

The judgment was based on an error or misunderstanding ( XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX ( XXXX ) ). 
They have a meritorious defense and can show good cause for reopening the case. 
Since I was unaware of the case until reviewing my records, I meet the criteria for setting aside the judgment. 

XXXX. Potential for Expungement ( Texas Property Code 92.352 ) If an eviction judgment is found to be improper or unfairly issued, it may be eligible for expungement under Texas Property Code 92.352, particularly if : The case was later dismissed or settled. 
The tenant was not properly served. 
The landlord failed to follow proper court procedures.
Product: Debt collection

on XXXX I received an email from XXXX XXXX who is an employee of Credit Counsel , Inc. for a dispute I have with my divorce lawyer. 

XXXX XXXX included my ex-wife in the email. 

I called to tell him this was illegal and he proceeded to tell me that he would do it all day long. 

The email had the attached letter below : Claim of : XXXX XXXX XXXX  Balance due : {$8500.00} Account No. : XXXX NOTICE OF PENDING CLAIM Apparently you have chosen to ignore your obligation to Credit Counsel , Inc . This letter informs you that unless full payment is made within ten ( 10 ) working days after the date of this letter, Credit Counsel , IncXXXX may choose to proceed with legal action against you or refer the account to an attorney in your jurisdiction for immediate action. 
It is Credit Counsel , Inc. 's intention to exercise any and all rights provided for enforcement of judgments. 
Credit Counsel , Inc. shall proceed with such action immediately when directed to do so by our client. It is urgent that you pay the balance in full within ten ( 10 ) days after the date of receiving this letter. 
You should immediately contact the manager at : Tel : XXXX XXXX Very truly yours XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation!

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX - Collection XXXX XXXX - Collection INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

The credit reporting agencies will not update my XXXX XXXX as paid off and closed
Product: Credit card or prepaid card

In response to complaint # XXXX on XX/XX/2019, American Express falsely stated : We show a XXXX XXXX purchase for {$300.00} posted to your account on XX/XX/2019. We reviewed the charge and based on XXXX XXXX criteria, it was determined the charge in question did not match a XXXX XXXX. For this reason, a {$250.00} statement credit will not be issued. We understand how important these types of credits can be to our customers. We regret any frustration this may have caused.

This is completely incorrect. Per the rules of the credit ( attached ), I selected a hotel from the list published at XXXX. The confirmation I sent with the original complaint matched this ( attached again ). I have complied with all rules of the credit and expect a refund. If American Express comes up with another lie, I will initiate arbitration as American Express is violating its policies.
Product: Credit reporting or other personal consumer reports

Subject : Continued Dispute of XXXX  XXXX on Credit Report Current Dispute File number : XXXX TO WHOM IT MAY SINCERELY CONCERN : I am writing to dispute the following information in my file. 

This XXXX XXXX Bankruptcy is out of compliance as you can see that it has exceeded the maximum 7 years of punishment allotted. The XXXX  XXXX was filed on XX/XX/XXXX that will mark 8 years two months to the date. I am requesting that this item be removed from my credit profile. 

Enclosed is documentation supporting my request : [ describe the documents youre sending, for instance : my credit report, with the disputed items circled. 

Additionally, I have concerns as XXXX was impacted by a serious security breach that according to XXXX 's Maine Attorney General has put at risk sensitive information of 14.6 million individuals. 

Please investigate this matter and remove outdated information. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX REFERENCE NUMBER : XXXX DATE FILED : XXXX. XXXX, XXXX DATE DISCHARGED : XX/XX/XXXX CLASSIFICATION & TYPE : BANKRUPTCY, XXXX  XXXX XXXX XXXX REPORTED : XX/XX/XXXX Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for a Capital One card and received a request, by e-mail, for more information. The e-mail said I had 35 days to send that information. I was busy with a business trip so I did not get to it for nearly 3 weeks, which I figured was fine since it was well within the 35 days. However, when I went to click the " submit documents '' link in the e-mail it was broken. So I called the customer help line and they told me that despite the e-mail saying I had 35 days, I actually only had 14 and then the link expired. They said the 35 days was actually the deadline for mailing in the additional documentation. There was zero indication of the 14 day deadline on the link anywhere in the e-mail. Now the whole process is greatly delayed and the company is being extremely unprofessional about it, saying it is my fault despite the fact they gave me faulty information. So now I've got an application on my credit report that probably isn't going to go through because of a mistake on the company 's part, and the company is completely unwilling to do anything to remedy the situation.
Product: Mortgage

My loan was sold to them this past month, and I 've been trying to get a hold of them to inquire steps and billing in order to make my first payment. It seems that they have been ignoring my calls, emails, etc. I want to think this company is honest but i 'm finding it hard to think they are. My accounts have been locked, and when I call I 've been on hold for over an hour.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple credit inquiries on my credit report that I didnt apply for
Product: Credit reporting

My name is XXXX XXXX XXXX, my son 's name is XXXX XXXX XXXX XXXX Transunion has repeatedly filed information belonging to my son on my credit report. Collection agencies are also doing the same. Collection Agency : XXXX Address : XXXX, IL XXXX. ( XXXX ) XXXXXXXXplaced XXXX ( XXXX ) delinquencies and collection entries for my son on my credit file since XXXX 2015. This is a problem that keeps occurring and Transunion as well as the collection agencies are not exercising due diligence in verifying that I am the correct entity they are seeking. Transunion also has me listed as " XXXX XXXX '' an alias I have never used. I 'm being harassed and because of my good credit, I 'm repeatedly targeted. Please help me to stop this, it 's a real hardship on me. 

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

Spring Oaks Capital LLC bought a debt from XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX RE : Inaccurate Late Payment Reporting on XXXXXXXX XXXX XXXXXXXX Account Account Number : XXXX Dear CFPB, I am writing to formally dispute the reporting of inaccurate late payments on my credit report for the XXXXXXXX XXXX XXXXXXXX account. Despite submitting multiple requests for correction through letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the discrepancies remain unresolved. This lack of resolution directly violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), causing undue harm to my creditworthiness and financial stability. 
FCRA Violations : 15 U.S.C. 1681i : Credit reporting agencies are obligated to ensure that consumer files are accurate and up-to-date. The reported late payment entries for Equifax ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) have not been verified or corrected, despite clear evidence submitted in my previous disputes. 
15 U.S.C. 1681b : Mandates the accurate use and reporting of consumer information. The erroneous late payment reporting demonstrates a failure to comply with this requirement.

TILA Violations : 15 U.S.C. 1666b : Requires creditors to provide periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests non-compliance with this statutory obligation. 
Consequences of Inaccurate Reporting : These reporting errors have adversely affected my credit score and financial reputation, impacting my ability to secure credit on favorable terms. Additionally, the persistence of these inaccuracies despite multiple correction requests has caused significant stress and financial hardship. 
Actions Requested : I request that your office : Immediately remove the inaccurate late payment notations from my credit reports with Equifax, XXXX, and XXXX. 
Provide written confirmation of the corrections within 30 days from the date of this letter. 
Ensure all future reporting related to this account is accurate and complies with federal laws. 
Next Steps if Unresolved : If this matter is not resolved promptly, I am prepared to take further action, including : Filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and relevant state agencies. 
Consulting legal counsel to address the violations of federal laws and the resulting damages. 
Publicly sharing my experience to raise awareness about the lack of accountability in credit reporting practices. 
I trust that you will treat this matter with the urgency and diligence it deserves to ensure compliance with federal regulations and to rectify the harm caused. 
Thank you for your immediate attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

The collection company LVNV Funding llc. Is trying to collect a debt from XXXX that was settled
Product: Credit reporting or other personal consumer reports

I am writing to inform you of a concerning error in my credit report regarding late payments on my account. After carefully reviewing the report, I found that late payments have been incorrectly recorded, which has negatively impacted my credit score.

When I contacted the companies linked to this account, they acknowledged their mistake and agreed to correct it by updating my account to accurately reflect my payment history. They stated that a system glitch caused the incorrect reporting of late payments. 

It is puzzling that, while other credit bureaus have already corrected this errors, your bureau continues to report the late payments. This inconsistency raises questions about the verification processes your bureau uses to ensure the accuracy of reported information. 

XXXX XXXX XXXX XXXX.
Product: Checking or savings account

Chase bank unlawful closed my account with all my life savings in. Ive been trying for Months reaching out to them go get my money. I keep getting transferred to a voicemail of a executive office of a women name XXXX she never answers or call me back I leave serval messages.
Product: Mortgage

I was late on mortgage payments. Wells Fargo refused to apply my payments that had cleared my bank, to my mortgage loan until I paid their over estimated attorney 's fees. Beginning XX/XX/2018 through XX/XX/2018. A portion of those attorney 's fees were refunded back to me, but not until XX/XX/2018. When I resolved the foreclosure process on XX/XX/2018, I paid the XXXX payment that was not late along with the attorneys fees they demanded before they would reinstate my mortgage. They were holding a total of {$5000.00} of my money, but would not apply it to my mortgage note.They help previously paid mortgage payments for several months. So it appeared that I owed more than I actually did. This led to me also being sued by my ex husband in Texas court and now I owe him a judgement as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently spoke to a live person a Equifax and nobody is able to get my credit file or credit report. Every time I try the Equifax website I get a message saying we are unable to get your credit file, report and score.
Product: Checking or savings account

I opened a XXXX  month CD account with Synchrony Bank through their website. 

However, I am unable to close the account through their website. The website only gives options to chose a new duration for renewal. 

The only way to close a CD upon maturity is to call customer service. While I have spoken to them XXXX, they are unable to provide any written confirmation of my closure request either via email or through their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to investigate an inaccurate account on my credit profile on XX/XX/2022. It has now been 53 days since I sent my inquiry but I have yet to receive a response. My inaccurate records on my profile are stopping me from achieving my dreams.
Product: Credit reporting, credit repair services, or other personal consumer reports

delete these inquiries XXXX XXXX XXXX XXXX XXXX XXXX  inquired XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX via XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX via XXXXXXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX XXXX via XXXXXXXX XXXX inquired on XX/XX/XXXX XXXX XXXX via XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX, XX/XX/XXXX XXXX  my credit was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX, XXXX - XXXX XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX XXXX- XXXX XXXX XXXX XXXX was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX - XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX is selling informatin they know to be incorrect to Experian. There are several late payments that are causing my estate harm. The note that is being used belongs to the estate and the equity belongs to the estate therefore this can not be late.
Product: Credit card or prepaid card

Charged on XXXX XX/XX/2023 for the amount of XXXX. Contacted Wells Fargo credit card fraud department and was assisted in resolving the issue. Questions were asked regarding recent activity and the transaction was removed. Two weeks later I receive a letter saying the " charge was authorized due to the card being in my possession at the time of purchase ''. I contact the fraud department again today, the XXXX, and am told that they reached out to me on the XXXX of XXXX and the XXXX of XXXX to validate additional claim information. The number used to contact me was connected to a phone I had broken in the midst of things, but I have since replaced and recovered said number. After two failed attempts to reach me regarding additional information, it was decided that that was enough to have the charge placed back onto my account at a new amount of XXXX. Last thing I heard from the fraud department was that I would receive a determination via mail in 15-25 days. 

I have three issues with the way this was handled. 
Firstly, the letter saying I had the card so therefore I made the purchase is lazy and naive. There are a number of ways to have card info stolen. 
Secondly, the information I was told on the phone today by the fraud department is inconsistent with the letter I was sent. 
Finally, the amount recharged to my account is greater than the amount of the original transaction.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am reaching out to address a matter of significant concern related to my credit report, specifically concerning potential violations of the United States Code Law, particularly the Truth in Lending Act ( TILA ) unde

r 15 U.S. Code 1666 ( b ) concerning billing errors. Upon a recent examination of my credit report, I have identified several instances of billing errors outlined in 15 U.S. Code 1666 ( b ), with a specific focus on points ( 4 ) and ( 5 ) : Point ( 4 ) : The creditor 's failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

Point ( 5 ) : A computation error or similar error of an accounting nature by the creditor on a statement.

One particular concern is the absence of notification at least 21 days before issuing a statement. This oversight has resulted in unwarranted late payment entries on my accounts. I am requesting tangible evidence from your records that substantiates any claim of non-payment leading to the reported late status, as I firmly believe this constitutes a clear billing error. Additionally, as per 15 U.S.C. 1681a ( 2 ) ( a ) ( i ), a late payment is considered a transaction and experience, and thus, should be excluded. 

For your reference, the following accounts require immediate attention and correction on my consumer report to accurately reflect the status of payments : Account Name : XXXX Account Number : XXXX Late Payment Dates : XX/XX/ In accordance with consumer protection laws, these accounts must be promptly updated to reflect the accurate " paid as agreed '' status. Failure to comply with this request will leave me with no option but to pursue legal action, seeking monetary compensation for the violation of my rights in small claims court under 15 USC 1681n civil liability.

Furthermore, I have taken the initiative to escalate this matter by submitting a formal complaint to the Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 

I anticipate your prompt attention to this matter and the necessary corrections to my credit report. Your cooperation is appreciated, and I look forward to a timely resolution.
Product: Vehicle loan or lease

On Friday, XX/XX/ I learned that my car was repossessed by Credit Acceptance. I called them and according to them they had not received payment since XXXX. I let them know that this is the first time I am hearing about this. I inquired if the company had tried communicating with me. We realized they had a wrong number on file. I further asked, if there were failed attempts by phone why didnt the company sent anything through the mail. The supervisor ( XXXX ) had no response to this. At this time I asked for a courtesy to release the vehicle for {$300.00}, what I was able to give at the moment. She stated that I can make the payment of {$300.00} today but the full expected amount to get the vehicle back was {$800.00} by XX/XX/XXXX or it goes into auction at which time I will be responsible for all fees including what the remaining payment was on the car. At this time I am without a vehicle and a standstill with the company as I do not have the full amount to get it back.