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

I have mailed a dispute to the credit bureaus 45 days ago and have not received a response. Not a letter nor an email in regards to my dispute. I am a victim of identity theft. I have provided my FTC reports. According to FCRA, within 30 days after receiving my dispute the credit bureau is responsible to resolve the dispute. They are now in violation of the FCRA for not responding in a reasonable timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 Accounts : XXXX XXXX XXXX number XXXX XXXX XXXX-Account XXXX XXXX XXXX, XXXX.-Account number XXXX XXXX XXXX XXXX-Account number XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX  XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XXXX XXXX XXXX  XXXX XXXX  NA XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Mortgage

My company has increased the escrow amount of my mortgage because of an error on their part and continually refuse to look into it. I recently received a letter form the Tax Collectors of my City telling me that my taxes were delinquent due to non payment. Since this is included in my mortgage payment, I immediately called my mortgage company to have this investigated. A few weeks later, someone from the mortgage company called me to inform me that the payment to the tax collectors office was made to an erroneous account hence it was not credited to my parcel and that this was being taken care of. A year later, I got a notice from the mortgage company along with my escrow analysis report saying that my mortgage payment was being increased due to a deficit. Upon review of the escrow analysis report, I noticed that the taxes for the first year was paid twice and past the delinquent point. Again, I called the mortgage company several times to resolve this, I keep getting the run around and no one has been able to help me resolve this. It now has been more than a year trying to get this fixed to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan was sold. The servicer was XXXX XXXX, but they sold the loan. In the process I was not notified properly and payments to not make it to XXXX. Have disputed multiple times with no result. Loan payments were made immediately when this was brought to my attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act, The List of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 conviction of crimes which antidates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect
Product: Student loan

I received a letter that Navient was taking over my student loan and that my payments would be going to them. I checked my credit score and it said that that particular loan closed and my balance was {$0.00} so Im a little confused as to why I would need to make payments to them. I also did a little research and it seems that this particular company is being sued for fraud, among many other allegations. I do not want to keep making payments to Navient if I do not need to. Please let me know what I can do. Thank you so much!
Product: Credit reporting or other personal consumer reports

I reached out to Experian to dispute an incorrect name on my credit report, XXXX XXXX XXXX. My name is not XXXX XXXX XXXX. My name is XXXX XXXX. They explained they could not remove the name because there is an account under this name. As a result, I would like to dispute the accounts associated with the name XXXX XXXX XXXX. My credit report needs to contain accurate and information that is mine. I have attached documentation of the accounts in question and copy of my drivers license.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate remark on my credit report under my rights provided by the **Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

Upon reviewing my credit report, I noticed the following inaccurate remark : GM Financial Account Number : XXXX Remark in Dispute : Repossession ; redeemed Repossession ; redeemed Basis for Dispute : Under XXXX XXXX XXXX XXXX, I have the right to dispute any inaccurate, incomplete, or unverifiable information on my credit report. The remark in question is either incorrect, outdated, misleading, or not substantiated by proper verification. Furthermore, the **FCRA ( XXXX XXXX. XXXX ) ** requires that the credit bureau conduct a reasonable investigation and remove any information that can not be verified within XXXX days** of receiving this dispute. 

I hereby request that you : 1. Conduct a full investigation into this disputed remark. 
2. Provide documentation proving the remark 's accuracy and legitimacy.

3. Remove the remark from my credit report if it can not be verified. 

Enclosed are copies of relevant documents supporting my claim, including my credit report highlighting the incorrect remark and any correspondence with the creditor ( if applicable ). 

Please update my credit file accordingly and provide written confirmation of the results of your investigation. If you fail to remove the inaccurate remark, please provide a detailed explanation of your findings, along with the name and contact information of the party who verified the remark. 

If this matter is not resolved within XXXX days**, I will have no choice but to escalate the issue by filing a complaint with the **California Department of Financial Protection and Innovation ( DFPI ) **, the **Consumer Financial Protection Bureau ( CFPB ) **, and potentially pursue legal action for non-compliance with federal and state credit reporting laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 60 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 5 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I financed a vehicle with The XXXX XXXX XXXX XXXX, terms 75 months. XX/XX/XXXX, I received a congratulations letter advising me that in 90 days from this date my loan will reach maturity, and to please accept that letter as a notice of important lean ending information. 90 days from XX/XX/XXXX would be XX/XX/XXXX. I paid my payments, received my title, and assumed all was well. 

In XX/XX/XXXX I learned my Identity had been stolen, I began the process of rectifying this. In review of my credit reports, I came to realize that The XXXX XXXX XXXX XXXX ( XXXX XXXX ) had reported 30 & 60 days past due for XXXX & XX/XX/XXXX, but I paid my loan of in XXXX, as per all my statements and my congratulations letter! 
I immediately filed a dispute with the credit bureaus & contacted XXXX. 
On XX/XX/XXXX at XXXX, I spoke to Customer Service Supervisor, XXXX XXXX who advised me to send him an email with my payoff letter, and a copy of my credit report to show how it is being reported, as it was not that way on his end. ( I paid the car off in XXXX, a year prior to this conversation ) On XX/XX/XXXX, XXXX, XXXX XXXX responded via email, advising me he would be reversing the credit Hit for XXXX & XX/XX/XXXX, and to allow two credit cycles for the change to take effect. As of this date, the only other month that was reporting 30 days past due was XX/XX/XXXX, which is legit. During the life of the loan I hit 1 hardship, and requested the XX/XX/XXXX payment be placed in the rears, I paid the interest only. I have attached a copy of my credit report before the dispute & after the dispute. 
On XX/XX/XXXX, I received a notice from XXXX that my credit score decreased due to XXXX   reporting. XXXX XXXX did correct there reporting error for XXXX & XXXX of XXXX, but for whatever reason added 5 NEW 30 days past due. This is absolutely false, and I have been battling XXXX & the Credit Bureaus since. I reached out to XXXX XXXX via email to ask why he did this, and he claims he did not, he requested I send him a copy of my report again, stating Not sure what could have happened. 
I have sent countless disputes, & letters to XXXX & the credit Bureaus, providing copies of how it was reported before I did the dispute & after, but nothing ever changes. 
THIS IS JUST A LIE, I would have been better off not disputing the pay off. 
I satisfied my loan in XXXX, just as I was supposed to. XXXX reported incorrectly in the end. It took me 1 year to realize the error, and requested this reporting error be corrected in XXXX, 1 year after loan was closed. 
XXXX  corrected their XXXX error, in XX/XX/XXXX. However, they decided to falsely report " new '' late payments from XXXX & XXXX, THAT WERE NEVER REPORTED BEFORE. This is really hurting my credit, & enabling me to get credit extended for my new business.
Product: Credit card

Our family left the country for two months XXXX XXXX, XXXX XXXX XXXX, XXXX ). I contacted Bank of America beforehand per telephone telling of our intentions and made on XXXX XXXX, XXXX a payment and explained to them this was specifically to cover any amounts due until our return this date, XXXX XXXX. On XXXX XXXX, XXXX our credit card quit working. I called the bank and after 30 minutes hold time I was told I would be charged late fees and penalties. ( total amounts yet unknown ). I feel these penalties are unjust & fraudulent as they were informed beforehand I would be out of reach to contact or make payments ( the {$2000.00} prepayment ). The penalties will reflect that I paid my bills late affecting my flawless credit as well as I feel the unjust fees. This I feel 100 % the fault of the Bank of America and ask for any assistance in resolving this dispute. I feel as this bank is falsely charging penalties causing myself and my family undue duress.
Product: Payday loan, title loan, personal loan, or advance loan

They have given rollover loans without ever telling me the XXXX XXXX I've sent in will be fredotwd to my account they call more then 7 times a week they call a hourvafter talking to someone on phone at loanmart they tried to repo my XXXX XXXX XXXX  XXXX over XXXX dollars being late
Product: Credit card

XX/XX/XXXX i received a debit from a walmart store, this charged were unauthorized it wasnt made by me but capitalone decide not to give me back my expected return on my money.
Product: Credit card or prepaid card

I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX  I filed a dispute letter to XXXX, XXXX, and Trans Union requesting the removal of all inaccurate information being reported on my report such as metro 2 formatted compliance. Upon no receipt of verification of the inaccurate information I sent another letter on XX/XX/ requesting the demonstration of truthfulness certified with the lawful process and mandatory Metro 2 compliant reporting. On XXXX I sent another letter requesting the immediate removal of the inaccurate information due to failure to verify within the time prescribed pursuant to 15 U.S.C 1681 again to no avail. I sent another letter on XX/XX/ showing that the inaccurate information was the result of identity theft along with Police Reports and the bureaus were selective in removing some items and allowing others to remain. I called the bureaus on XX/XX/ at XXXX XXXX XXXX and they assured me the remaining inaccurate information would be removed and still has failed to do so. Can you please assist me in compelling the bureaus to comply with the rules set forth in FCRA 1681. Any assistance or advise will be greatly appreciated, Thank you for your time and anticipated cooperation in this critical matter
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Method Of Verification Request Accounts : XXXX. XXXX dates XXXX XXXX. XXXX dates XXXX XXXX. XXXX dates XX/XX/23, XXXX XXXX I am requesting, concerning FCRA 611 ( a ) ( 7 ) : * A description of the procedure ( s ) used by your agency in my earlier disputes.

* All the information you used for your investigation, as FCRA 611 ( a ) ( 7 ) required.

* Written proof that you forwarded all the relevant information in my earlier disputes ti creditor. FCRA 611 ( a ) ( 2 ) ( B ) + If such information can not be provided within XXXX business days, I demand the late payments be removed from my report. 
I am keeping careful records of our communications in case I must file a complaint to se relief and monetary damages under the FCRA Sections 616 and 617. 
After you've completed your investigation, please send the results to me via mail. 
XXXX Please note I am sending this letter on my behalf and have included a copy of my ID to verify my identity. 
My information is as follows : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting or other personal consumer reports

Heres a tailored dispute letter for all three credit bureaus using case law and consumer protection laws to challenge the derogatory item. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Credit Report Entry Request for Deletion Dear XXXX, I am writing to dispute inaccurate and unverifiable information on my credit report under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. The following account contains errors and must be removed immediately unless verifiable documentation is provided. 
Creditor Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Charged-Off Legal Grounds for Dispute XXXX. Unverifiable Information ( FCRA 15 U.S.C. 1681i ( a ) ) Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ), credit bureaus must conduct a thorough reinvestigation when a consumer disputes an account. I demand documentation proving the accuracy and validity of this entry. If you can not provide such evidence within 30 days, you are legally required to delete this account. 
XXXX. Inconsistent & Misleading Reporting ( FCRA 15 U.S.C. 1681e ( b ) ) The reported information on my XXXX and XXXX reports contain discrepancies in reporting dates. Under XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), failure to report accurate and consistent data violates the FCRA and is grounds for deletion. 
XXXX. Failure to Validate Debt Transfer ( FDCPA XXXX XXXX. XXXX ) The account has been reported as purchased by another lender, yet no documentation has been provided proving a valid assignment of debt. According to XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), a creditor must provide a complete chain of title when a debt is transferred. If no such records exist, this account must be deleted immediately. 
XXXX. Charge-Off Reporting Violations ( FCRA 15 U.S.C. 1681c ) If this debt was charged off, then sold, it means the creditor already received tax benefits for the loss. According to XXXX v. XXXX XXXX. Solutions, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), continuing to report a charged-off debt without legal proof is considered misleading and should be removed. 

Requested Action I formally request that this account be deleted from my credit file due to its inaccuracies, lack of verifiable documentation, and legal violations. Under the FCRA, you must respond within XXXX days with the results of your investigation. 

If this matter is not resolved promptly, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX
Product: Checking or savings account

My Bank Capital one closed my account having money aprox {$2.00} us dollars. 
The bank has not sent the cashier check to my address with the money I had when it was closed without any reason.
Product: Credit card or prepaid card

I used the Special Financing Offer mailed to me. My minimum payment was {$29.00} and knowing I had to pay off the promotional balance by XX/XX/XXXX I paid an extra {$100.00} per month to be used for the promotional payment. This extra {$100.00} per month was not applied to the promotional balance. Unfortunately, I do not look at my monthly statements and only now did I look to make sure the balance would be paid in full and found it was not applied and now I will owe close to {$600.00} in interest charges. I called the company on XX/XX/XXXX and was told I was suppose to call and request the extra XXXX XXXX monthly payment to be allocated to the balance due. I have re-read the promotional material mailed to me and no where in the description does it say this was required. They said they can only go back 60 days so they offered to apply my extra {$100.00} payment to my XXXX, XXXX, balance. In researching this I found that " the credit card company is required to apply the two payments before the delayed interest period ends to the delayed interest balance, in their entirety. '' Even if nothing can be done in my situation the entire payment was not applied to the " two payments before the delayed interest period ends '' - only {$100.00} was applied only because I called to complain. How many other thousands of consumers has this happened to?
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. {$11000.00}. XX/XX/XXXX XXXX XXXX. # XXXX {$0.00}. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX. {$17.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. {$0.00}. XX/XX/XXXXXXXX XXXX  # XXXX. {$2400.00}. XX/XX/XXXX 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 card or prepaid card

Credit Card with American Frist Credit Union taken out in my name with a {$10000.00} balance. They have spent {$8200.00}. 

They put in the application XX/XX/XXXX, and signed for it on the XXXX of XXXX. 


**The attached documents are the fraud documentation given by the bank to submit to the authorities**
Product: Credit reporting

There is a collection from XXXX XXXX stating a creditor by XXXX sent me to collections. I do not know anything about this XXXX nor have i ever been to the state that is being listed. I believe my identity has been stolen and i want this collection removed and to not come back.
Product: Mortgage

XXXX XXXX, 2015 received notice from XXXX XXXX XXXX that servicing of my loan account number ( XXXX ) would be transferred to Nationstar Mortgage new loan number ( XXXX ) effective XXXX XXXX, 2015. The letter also related that the transfer " does not affect terms and conditions of the loan. '' XXXX XXXX payment was sent to XXXX XXXX XXXX and forwarded to Nationstar, no issues. 

I then received a letter from Nationstar on XXXX XXXX, 2015 detailing a principle balance of {$80000.00} with an interest fee of {$460.00}. The principle balance was correct as far as the transfer goes but the {$460.00} interest fee was a clear error ; given the APR and amortization table the first payment five years ago was not this much interest. 

On XXXX XXXX, 2015 I telephoned Nationstar 's customer service line to clear up the discrepancy. The customer service representative told me that he sent a form that explained I demanded an explanation of the interest fee. 

Also on XXXX XXXX, 2015 I mailed a letter following the process to dispute the validation of debt ( {$80000.00} + {$460.00} = {$81000.00} ), and to ensure all my bases were covered. 

Yesterday, XXXX XXXX, 2015 I received a letterRE : FHA Case Number : XXXX Loan Number : XXXX Payoff Requested : XXXX XXXX, 2015It was a mortgage payoff statement. 
It is my belief that Nationstar Mortgage received my dispute and instead of correcting their mistake is intentionally misinterpreting my letter as a request for a mortgage payoff statement. 

I also computed the math on the Mortgage Payoff statement that I received and the discrepancy still exists in the amount of {$390.00}. 

Thank you for your assistance it is greatly appreciated. 

Sincerely, XXXX XXXX & lt ; Copy of Letter sent & gt ; Loan Number XXXX XXXX XXXX XXXX XXXX, CO XXXXTo whom it may concern : I dispute the validity of the total debt {$81000.00}. 

I received correspondence from XXXX XXXX XXXX explaining that my mortgage was being transferred and the terms would remain the same. I also received correspondence that the principle balance at the time of the transfer was {$80000.00}. 

I was on hold with one of your nationstar representatives for XXXX plus minutes to uncover the discrepancy without an answer. If it is your companies ' contention to steal money from your customers I will be notifying my congressman and the XXXX.