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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by the federal law to verify - through physical verification of the original accounting records and signed consumer contract any and all accounts you post someone's credit report. Otherwise, anyone paying for your reporting services could fax, mail or email you fraudulent account information.

Therefore, I'm demanding to receive verifiable proof of the ( original accounting records & signed contract ) for the files of the accounts listed below. Your failure to positively verify the accounts has hurt my ability to obtain credit cards, a property rental, car loans, home loans, pass employment credit checks, utilities, etc. along with getting other basic livelihood necessities.

Under the FCRA, unverified accounts that are not 100 % accurate must be deleted and removed.

Also, these negative accounts below may either be inaccurate, old, inaccurate data between bureaus, not updated, paid in full, paid, closed, paid out by insurance, double dipping collectors, charged off/written off taxes, settled, inaccurate addresses, {$0.00} collections open balances, permanent disabilities act discharge, identity theft, for profit school fraud loan discharge, fraudulent submissions by loan or collection companies, inaccurate phone numbers, inaccurate name spellings, etc.

Under the FCRA, unverified, fraudulent, invalid accounts must be removed and deleted. If you are unable to provide me with a copy of the verifiable and validated proof that you have on file within a 30-day calendar days from receiving this notice for the account listed then you must remove and delete the account from ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) credit reports. I demand the following negative accounts be verified or permanently deleted immediately. The law is very clear on the available remedy to me for violating Section. 617. Civil liability for negligent noncompliance, if you fail to comply with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

OCWEN Loan Servicing LLC serviced my loan from XX/XX/XXXX until I sold the property to an individual ( not a bank ) in XX/XX/XXXX. Last week I applied for a new mortgage loan with both XXXX XXXX XXXX bank and XXXX XXXX XXXX and was declined by both due to a foreclosure reported on my first and second mortgages by OCWEN on XX/XX/XXXX. When the banks ran the application everything on my credit looked fine and I was pre-approved, but when the banks submitted the application into XXXX XXXX, that is where the incorrect foreclosure information was found. I made my mortgage payments when I was able and sometimes they were late, but my loans were NEVER foreclosed upon. I did receive some threatening letters from OCWEN at times when I made late payments, but I was never notified of a foreclosure process or served with any type of legal papers regarding a foreclosure. This information is completely false and I have requested that OCWEN have this false report removed immediately. I am still awaiting an answer from them if this will be done. Unfortunately since the false foreclosure is not showing on my credit report and only in the XXXX XXXX software, I am unable to dispute it with the credit bureaus. I have also accessed my entire payment history with OCWEN and compared to the information they reported to the credit bureaus and there are numerous payments that have been inaccurately reported. For your reference, I have attached a copy of my payment history with OCWEN, a copy of my credit reports with payments reported by OCWEN, as well as a spreadsheet with what I believe should be the correctly reflected for each month that I had a late payment. Please let me know if you will need any additional information to research. Thank you very much!
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/XXXX, XXXX XXXX Experian XXXX XXXX has not responded/ replied/ answered to my dispute. 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. 
According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

- Name : XXXX XXXX - Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX - Phone : ( XXXX ) XXXX - Email : XXXX XXXX XXXX : - Company Name : XXXX XXXXXXXX - Address : XXXX XXXX XXXX, UT XXXX Complaint : I am submitting this complaint to request the deletion of the XXXX XXXXXXXX account ( Account # : XXXX ) from my credit report. This account is inaccurate and is causing harm to my credit score. 

The account was charged off as bad debt, but I dispute this claim. I request that the CFPB take immediate action to mandate the deletion of this account from my credit report. 

I invoke the following consumer laws to support my request : 1. _Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq._ : This law requires that credit reporting agencies ( CRAs ) ensure the accuracy and completeness of the information reported.

2. _15 U.S.C . 1681b_ : This law requires that CRAs verify the accuracy of disputed information and delete or correct it if it is found to be inaccurate.

3. _15 U.S.C . 1692e_ : This law prohibits debt collectors from making false or misleading representations, including reporting false information to CRAs.

4. _Consumer Financial Protection Bureau ( CFPB ) Regulations, 12 CFR Part 1022_ : This regulation requires CRAs to establish and implement reasonable procedures to ensure the accuracy and completeness of the information reported.

5. _15 U.S.C . 1681c ( a ) ( 4 ) _ : This law prohibits the reporting of a closed account with an ending balance, as it is considered inaccurate and misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use to owe XXXX XXXX XXXX XXXX XXXX. XXXX sold my account to a credit collection agency. I called the collection agency and I paid the collection. So XXXX is now paid in full. I tried disputing with all the credit agencies to take it off and or list it as paid in full in my credit report. It's still reporting negative and showing I owe when I paid it off. After disputing multiple times I called the collection agencies and they stated that when I dispute the account they contact XXXX and XXXX reports negative information. I contact XXXXXXXX and they stated they can only report whatever they been reporting when the account went u to collection. They can't report I paid it. They said they do f have authority to report anything, the collection agency they sold it to has to report I paid the account. I contacted the credit agencies back and they stated when I dispute they don't contact the agency my account was sold to, they only contact XXXX because it's XXXX XXXX XXXX. I uploaded and mailed all agencies copy of my receipt. There are still negative r remarks on my report and it's not stating " paid in full ''. I'm getting the run around and I submitted proof and disputed multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have been disputing with the credit reporting agencies for several months now. They are reporting a Bankruptcy that I have been trying to get additional information on. I have asked the XXXX house if they correspond with credit reporting agencies and they indicated they DO NOT. The bureaus are using a third party as well to report information that they themselves do not investigate. Even that company they use DO NOT CORRESPOND WITH THE XXXX HOUSE EITHER. The FCRA mandates that if they report information they have to be able to truly validate it. How is that possible if the court house wo n't? Anyone how owns a computer can research things but that does n't mean that it 's true information!
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 XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX 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 contacted Experian asking for accounts to be verified per FCRA Section 609 ( a ) ( 1 ) ( A ) Provide Physical Verification Creditor of the following accounts : Public Record # XXXX ( Not my account or public record ) XXXX  # XXXX ( Account was paid like previous account with this creditor ) XXXX XXXX XXXX XXXX # XXXX ( account was never late ) XXXX # XXXX  ( account was paid in full and never late like previous account with this creditor ) XXXX XXXX  # XXXX ( account was transferred to new creditor and paid in full ) Experian has to provided me the documents I required which is required by law.

I also have returned mail from inquiries on my report which were returned due to incorrect address and when contacted Experian to delete because Ii didn't authorize these inquires and the information they are providing ( the address of the creditor is incorrect ) they refused my copies of returned letters The following Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 those account 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. 

XXXX XXXXXXXX XXXX XXXX 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: Consumer Loan

Chase is reporting inaccurate late payments on my credit which are severely damaging my credit scores. My car was totaled XX/XX/XXXX and since that time, Chase has been servicing my account poorly. 

I am trying to apply for a mortgage but these late payments have set me back drastically because of the hit to my scores. 

Currently, they are reporting that I have been 30 days delinquent on my payments since XX/XX/XXXX. 

The fact that my car was totaled was something beyond my control. After the accident, I was never able to make regular scheduled payments online as this account was marked as special collections. In order to discuss my account, I would be kept on hold for up to 90 minutes at times making it very difficult to get assistance. Each representative I did speak to would tell me that my payments would retroact back to XX/XX/XXXX ( This would be insurance and gap payments ). 

Unfortunately, this never happened as they indicated and each time I called back there were delays ; Delays in paperwork being sent to GAP and insurance. I made the necessary arrangements for my insurance to cover their portion but I have had to mediate this entire process with Chase since the accident. 

A lady from the executive office called me after the first complaint I filed and she told me that she would remove the first late after the retro payments back to XX/XX/XXXX. 

This never happened as stated to me and she never called me back. I also tried to call on my own and the representatives told me it had not been done yet. 

In the meantime, it seems that payments were being applied haphazardly to either interest or principal and they have been reporting me 30 days delinquent since XX/XX/XXXX. I 'm not sure if they were being spiteful because of my previous complaint but on XX/XX/XXXX, they reported me late again and said they would not be able to apply it until XX/XX/XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint # XXXX was started on XX/XX/XXXX by phone. I was instructed to log into the site and attach documentation about XXXX/Loancare. When I logged in the only way to enter data is to start a complaint. Please advise if the complaint # is valid? 

See complaint # XXXX, filed XX/XX/XXXX Will attach the 4 pages of documentation requested by one of your customer service representatives on Friday XX/XX/XXXX. She gave us the websiteconsumerfinanc.gov. 
Upon entering the website there was no link or place to attach the 4 pages with complaint #. 
Please call me to verify that you have received the attachment of 4 pages. My name is XXXX XXXX cell XXXX XXXX XXXX I am providing mortgage to XXXX bank in Virginia. My monthly payment is {$1300.00}. I went into forbearance of XX/XX/XXXX through XX/XX/XXXX. Then I came out of forbearance by instruction of XXXX. I am current on my mortgage through XXXX. I wanted to refinance my house with a different lender so to get my credit ratings, we went to the credit bureaus. Only two of them accepted my credit. XXXX reported I did not make my payments from XX/XX/XXXX through XX/XX/XXXX. I notified XXXX of their error and I wanted it corrected. I was told their information is correct and that I made no payments. I was in forbearance. I am losing my interest rate advantage and it will cost me more to refinance my home now. Loan Care is a partner of XXXX bank. When I called I was told that the research team does not speak to people it all has to go through customer service. On my statement it shows all payments have been made, I have no late payments and my account is up to date. I have been trying to refinance for the last five to six months. While in forbearance my payments are not to be reported as late or missed. There are no negatives showing on my mortgage statements so there should not be negatives on my credit report. My forbearance instructions that stated I would not be counted late, I would not lose any interest.
Product: Debt collection

XXXX XXXX XXXX is not licensed to perform debt collector practices in the state of Texas. Per Texas Consumer Law, third party debt collectors are not allowed to give false information about the consumer to anyone, including the credit agencies. In addition, according to the Texas Secretary of State, third-party debt collectors and credit bureaus must file a {$10000.00} surety bond before they can engage in debt collection activities. Per the attachment, XXXX XXXX XXXX is not licensed or certified to perform any debt collection practices in the State of Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chrysler Capital has me listed as making several payments over 30 days late.   All of the following months are listed as over 1 month late.      XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  , and   XXXX   XXXX  . I   always make my auto loan payment online through www.chryslercapital.com. I would then be transferred to   XXXX   XXXX   to process my online payment, for a fee. At first my payments would post within a day or  two, but  then sometimes it was well over a week before my payment would show as processed. I went through a difficult year, and did make a few payments after the due date, but I never allowed those payments to go after the 30 day mark. Somehow,  XXXX   XXXX  held my money and caused it to go over the 30 day mark. I have requested at least 5 times, several in  XXXX  and once in   XXXX   XXXX   XXXX  , that Chrysler Capital correct my credit report, but they do not. I no longer have my email proof showing when I made the payments, so I am now suffering horrible damage to my credit report, because of  XXXX   XXXX  and Chrysler Capital 's horrible payment processing system. Also, please note that none of my payments ever reflected as late, until   XXXX   XXXX   XXXX  , when I came to the end of a loan modification. It was at that time, that I was notified from my credit reporti ng company, that one of my payments had been listed as default of 30 or more days. I find it extremely od d that they would wait until a year or more later to change my credit report, if my payments had truly been late. When I made my payment this month, I noted that Chrysler Capital is no longer using  XXXX   XXXX  as their payment processing service. Please help me get this matter resolved, so that my credit report can be properly corrected
Product: Checking or savings account

I have been unable to withdraw cash at ATMs with my debit card or get cash back at the Point-of Sale ( Tried to withdraw cash on Friday XX/XX/XXXX ). I tried to call the bank on XX/XX/XXXX but the wait time was more than one hour, I gave up. Tried to call them today XX/XX/XXXX, have been on hold for over an hour, still no response. Tried their chat today, wait time indicator says 140 minutes. I also sent a message on XX/XX/XXXX via the secured message center on the Etrade mobile App. As of of XX/XX/XXXX, I still haven't heard back from Etrade via the secured message center. Etrade seems completely unresponsive to customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are reported on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I need the following items to be updated or removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have XXXX  for my sister checking account, for the past XXXX years. When I took over this account, I was told she only had a checking account at this bank. ON XX/XX/2023, My niece told me her mother has a checking and saving account. I contacted XXXX XXXX to inquire if my sister has a saving account on XX/XX/2023. After talking to XXXX different customer service operator over a period of XXXX I still wasn't able to find out if any account existed. I asked the last customer rep his name and he hung up the phone. 

At XXXX AM I once again contact XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, I was once again switched to three different reps without any help.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX viewed my credit report and noticed several accounts, addresses and names that remain reporting in my account inaccurate. This is the THIRD TIME REPORTING THIS COMPLAINT. I URGENTLY ASK YOU TO REMOVE THESES INACCURATE INFORMATION FROM MY REPORT. I AM A VICTIM OF IDENTITY THEFT. PLEASE SEE THE ENCLOSED DOCUMENTS I PROVIDED IN THE REPORT. This is very frustrating. All documents have been presented proof of Drivers license, social security and theft affidavit but the accounts continue to be on my report. I need these items removed as soon as possible as theses accounts is making it hard to take care of my financial responsibilities. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. Thank you for your help in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

showing late which it shouldn't be showing late payments for the account number listed below. Equifax haven't provided me the paperwork and information by law the credit Bureau suppose to check and send to me. This is reporting inaccurate on my credit report. Please no XXXX. 

XXXX XXXX XXXX XXXX XXXX