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

RE : Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer report or i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
U.S. XXXX Public filed
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX  XXXX XXXX XXXX XXXX Opened : XX/XX/2019 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts or charges appear on my credit report from a car dealership running my credit through all the places they can find. I did not give authorization to pull my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
Product: Debt collection

I feel like I'm being taken advantage of by being ignored in my arguments. It is clearly stated on XXXX that failure to investigate an item within 30 days would result in its removal from my credit report.
Product: Credit reporting or other personal consumer reports

Trans Union, XXXX, and XXXX are reporting fraudulent information on my credit report. Please know that I have sent FTC documents and identification documents and they are refusing to assist me in this matter.
Product: Checking or savings account

On or about XX/XX/XXXX I contacted my local branch of BB & T now 'Truist ' to notify them that I wanted to change the instruction my monthly consumer loan payment with them which I had with them for since XXXX. BB & T currently is using my checking account that I have established with them since XXXX to debit on monthly basis to get paid on this loan. 
my intension on XX/XX/XXXX was to change this arrangement to my checking account with XXXX XXXX XXXX. .Banker at XXXX XXXX XXXX XXXX FL XXXX processed the required paperwork the he presented to me for this request. Last week I contacted the BB & T consumer loan dept. to find out about the status of my new instruction on this loan payment I was told that as of XX/XX/XXXX they have NOT received any forms from me or the banker that has processed my request at the local branch. Immediately again I contacted XXXX office branch and spoke to the same banker that had processed my original request and was told by him after his research on status of the form that the form is LOST and the fax DID NOT go through be their system.! He wanted me to go back and start the process again. On XX/XX/XXXX I received a registered letter from branch manager of this branch that BB & T decided to CLOSE my savings and checking accounts with them in 10days and  as of the date of their letter to me I should not use their banking service and cease writing checks on my accounts. 
This action by the bank is very upsetting to me and my wife. As I indicated before Myself and my wife have been a long term customer of this bank and in a very GOOD STADING Status. I recently paid off my mortgage with them. Never wrote a bad check or violated any condition that may cause this action by the bank. No reason was given on their action. I will appreciate if your Bureau can look into this matter for me to find reason of this action. I have done everything right on my side and those are the one at fault for messing up my instructions.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I am the author and owner of all communications withing this complaint. I do not agree to allow this complaint to be managed outside of the portal. 

My Credit report currently has " XXXX XXXX '' reporting inaccurately, and in an incorrect manner. 

I dispute the validity of this account/Tradeline. 

1. The " Type of Account '' says NA, and should be " Revolving/Option '' 2. There is no Payment History in this account - and there should be as this account was opened for over 3 years 3. There is no Balance History in this account - and there should be as this account was opened for over 3 years 4. Because this account has no Payment History, please verify its Status/Major Delinquency date 5. Because this account has no Balance History, please verify its Status/Major Delinquency date 6. This account has no Activity Designator, and should as this account is Closed Please Validate this Tradeline, and resolve the errors - or Delete this account. 

Please provide a printed report, when resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, TN XXXX, XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$10000.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00}, XXXX XXXX XXXXXXXX Balance : {$4700.00}, XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX operations is reporting an account as a charged off on my credit bureau report. I had requesting correction from the company to delete this inaccurate information from my credit report and a Dent validation to no avail. It was also sold to a third party and reported as a charged off account thereby damaging my credit twice, double jeopardy The charged off account number is XXXX an incomplete number. This account should be deleted from my credit reports immediately.
Product: Credit card

Urgent Request for Correction of Credit Report Information Dear XXXX, XXXX, and XXXX Customer Service, I hope this letter finds you well. I am writing to bring to your attention significant concerns regarding the accuracy of information on my credit report associated with my account with REVVIXXXX XXXX . Upon careful review, it has come to my attention that there are violations of federal laws, specifically 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2. These laws emphasize the importance of accurate reporting and fair practices in the credit industry. I am particularly concerned about the violation of 15 U.S.C. 1666 ( b ), which explicitly states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This provision underscores the critical importance of ensuring that payments are not erroneously treated as late. The absence of a robust system to confirm whether I am receiving statements, whether in paper or electronic form, raises questions about compliance with this federal law. By failing to adopt reasonable procedures to verify the receipt of billing statements, there is a risk of treating payments as late, directly contradicting the mandate of 15 U.S.C. 1666 ( b ). Furthermore, the disregard for 15 U.S.C. 1611 ( 1 ), which prohibits the furnishing of false or inaccurate information, is troubling. The lack of a reliable verification process regarding the receipt of billing statements calls into question the accuracy of the information reported, especially concerning late payments. Considering the gravity of these violations under 15 U.S.C. 1681n, which addresses willful non-compliance with federal law, I request that immediate steps be taken to ensure the accuracy of information reported to consumer reporting agencies. I also draw your attention to 15 U.S. Code 1681s-2, which mandates furnishers of information to provide accurate and complete information. It is crucial that REVVI/XXXX XXXX complies with these obligations to rectify any potential adverse impact on my credit history. In light of the concerns raised, I kindly request that my account status be promptly reviewed and updated to paid as agreed. I believe this corrective action is necessary to align with the aforementioned federal laws and to ensure the accurate representation of my payment history. Your prompt attention to this matter is crucial, and I trust that XXXX, XXXX, and XXXX will take the necessary steps to address and rectify any potential inaccuracies in my credit report. I appreciate your cooperation in resolving this matter promptly. Done in good faith.
Product: Debt collection

In XX/XX/XXXX ( nearly 27 years ago ) an auto loan was charged off the Pentagon Federal Credit Union in the amount of {$7100.00}. In XXXX, I filed for XXXX bankruptcy and this amount was included ; yet XXXX continues to hold me XXXX for this transaction. I also filed for XXXX  XXXX bankruptcy again in XXXX, this amount was already dismissed in XXXX and should have long been removed from my credit records, which it has - yet XXXX continues to hold an internal process within their financial institution which has caused harm to my credit reports, my credit inquiries and the like. 
It goes without saying by law this financial institution should be sued as well as held accountable for their financial practices toward their customers- in this case, myself. This entry should again have been removed from my records at the PenFed Credit Union. It is evident this charge-off that has stayed on my credit has undoubtedly had a severe impact on the type of credit I receive and the interest rate I am charged for the past 27 years. I kept this account open despite of the charge-off. Each time I go into the bank to withdraw my own funds, the tellers have to obtain an override- this is embarrassing. To add insult to injury, I am a XXXX  employee - XXXX  will not issue me a debit card, a checking account or allow me to move funds to external accounts because of this XXXX matter. During a government shutdown in XXXX - I went through this same situation with XXXX. I then wrote a complaint to your offices ( XXXX ) and XXXX  funds to pay debtors ( see enclosed ). As a member of XXXX, I have been unable to open a checking account, conduct external transfers to my other accounts, obtain a debit card, HELOCs, Mortgage Refinance, Personal Loans and the like due to this charge-off. I was told I don't qualify because of the charge-off still on the account from XXXX. The representative on the line indicated that even though I filed for bankruptcy, they still have the right to keep the charge-off on the account until they are able to collect the {$7100.00}. This is clearly a violation of bankruptcy laws and discrimination. Today, XX/XX/XXXX - I encountered the same thing - so I decided to do a wire transfer in the amount of {$20000.00} to another one of my accounts- and I was told, I am not able to perform this transaction due to the XXXX charge-off. I believe XXXX has since placed a hold on all monies in the account ; I stopped all financial allotments to this account on XX/XX/XXXX. I had {$1400.00} going to the credit union monthly in a saving account. The business/financial practices at XXXX are unlawful and warrants a civil lawsuit. The CFPB should have addressed this issue back in XXXX, because here I am 4 years later addressing the same issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan balance is paid in full. Nelnet needs to update on all credit bureau reports.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of the hard inquiries listed below on my credit report. I have reviewed my credit file and have identified several inquiries that I did not authorize.
Product: Debt collection

Procollect is attempting to collect on behalf of XXXX XXXX. I have proof, police reports and text messages from landlord of XXXX XXXX, XXXX XXXX, advising I was granted early termination from lease without penalty due to XXXX  XXXX. 
Per Texas penal code, A survivor of family violence as defined by Section 71.004 of the Texas Family Code can terminate their lease early my landlord allowed me to leave and advised no penalty via text, and also advised my full ledger was sent to me via email in a text which I have attached. 
I spoke with procollect, XXXX XXXX states he is a manger of procollect and advised my validation of debt request will not be reviewed and I must pay the debt. I have requested validation of debt over 60 days ago. I have also provided pro collect with the police report, texts from landlord and the full ledger sent to me at move out from XXXX XXXX advising I did not owe and the supported reasons for why lease was termed. 

Pro collect is still sending this balance to all three credit bureaus and is reporting it as an open collections, which is an error as well. This is impacting me Tremendously and needs to be removed for I do not owe this balance. Per XXXX XXXX  landlord I only had to pay XX/XX/year> since I was moving out by XX/XX/year> and she granted release from contract with no penalty, which I did pay XXXX rent. The landlord is falsely claiming rent debt now and damages and I have video walk through of unit showing no damages and emails, text etc showing I would not be penalized for remaining lease terms due to domestic violence.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted Equifax information services AND XXXX Via expedited mail I have mailed in police report that affidavit etc. even proof of address Equifax information services AND XXXX failed to protect my consumer rights as well as reporting fraudulent accounts below XXXX ) XXXX XXXX XXXX ) XXXX XXXX Equifax information services is reporting a fraudulent collection on my Personal credit report ( XXXX XXXX XXXX XXXX ) which is a violation of consumer rights they also had violated section 605b of the fair credit reporting act EQUIFAX DID NOT INVESTIGATE properly NOR SEND ME PROOF AS TO How this collection account is mine THESE COMPANIES ARE AWARE OF MY IDENTITY THEFT AND FAILED TO REMOVE THE ACCOUNTS! 

XXXX XXXX XXXX are in violation of the fair debt reporting act National credit systems also have my police report etc. and did not provide me with proof of anything do therefore Im suing all companies in federal court as of XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent the proof to Experian, XXXX, & XXXX that they are reporting wrong information on my credit report and that it needs to be removed, but they have not removed or sent any response to me at all. I have sent 3 letters to each company starting from XX/XX/2021, XXXX & XX/XX/2021. Ever since Civil-19 they have been getting worse and worse. This isn't fair.
Product: Student loan

MOHELA asked me to recertify my income before the Dept of Ed said was necessary. I waited until the last minute and then recertified even though it was before XX/XX/year>, because they told me I would lose my XXXX plan if I didn't. I'm going for XXXX, so I have to stay current and on an XXXX plan. 

A few days after I certified my income, the Dept of Ed announced it was again going to push back this requirement. I heard nothing from MOHELA about this ( in fact I read about it on XXXX ), and so then I called them to confirm my payments would not be increased. I was on hold for an hour before someone answered and confirmed they would be reverting to my previous payment. This was on XX/XX/year>. 

I kept checking my account to see if my next payment had been adjusted, but it had not. Then I emailed them asking when it would be done. Around the start of XXXX my account was put in an " administrative forbearance '' for the remainder of the month, so I was not able to make a payment. The forbearance has ended and my payment still has not been corrected. I've exchanged messages with MOHELA and they reported they will adjust my payment, but it is due to automatically debit in 3 days and still shows the incorrect amount. 

Additionally, I just saw that my account went up by {$1200.00} in interest last month because of the forbearance they put me in! I didn't ask for the forbearance and they didn't even fix the issue during that time. I've dealt with several student loan servicers over the last decade and they have been the most difficult to deal with ( and this is saying a lot ). It's so awful to not be able to choose a better servicer since I'm pursuing XXXX. They are truly inept.
Product: Debt collection

I got a credit card with Discover and I lost my job shortly after. I tried contacting discover to explain why my account had got into the late status. I contacted them and was told the department I needed to speak with was n't available and they would call me back. I never heard back. I then received a letter form   XXXX   and  XXXX   XXXX  in  XXXX   notifiying me that Discover had hired their Law Firm and for me to contact them in 30 days if I was denying the debt from a discover.  I received a statement of claim from magistrate court of  XXXX   XXXX  Georgia on  XXXX   XXXX    XXXX  . I have repeadly tried to contact the attorney on the paperwork and only spoken with them once. I was told to contact them again once I had made my decision or made a counter offer and I have since contacted them on Wednesday  XXXX   XXXX    XXXX   at  XXXX   XXXX  Friday  XXXX   XXXX    XXXX   at  XXXX ,  XXXX ,  XXXX ,  XXXX    XXXX   All of these times i have left voicemails. I have also emailed them multiple times and the attorney  XXXX   XXXX   XXXX  said she would forward my emails for him to call me back and he has n't. The man I have spoken to on Wednesday  XXXX   XXXX  at  XXXX  ;  XXXX   XXXX  his name is  XXXX   XXXX  with  XXXX  and  XXXX   XXXX . I was told I had to give them an answer by Tuesday  XXXX   XXXX    XXXX   whether it as going to agree to payments or agree to the amount they offered for a settlement. I was told by  XXXX   XXXX  that I could counter offer their settlement which I was trying to do by my repeated attempts of phone calls voicemails and emails. I left the amount of my counter offer in an email and on a voicemail. I was threatened that I had to answer by  XXXX   XXXX  which is not 30 days after I was served
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2020, a collection showed up on my credit report for the second time after it was already disputed and removed. It is the only collection showing up abs I have never borrowed personally from this entity being XXXX XXXX showing the original creditor being XXXX XXXX. They do not offer personal loans and do not report to credit as Ive investigated and now this is the second time showing up on my XXXX credit bureau after it was already investigated and removed. XXXX is not doing there duediligence with these fraudulent happenings which is cause grief and frustration to myself and my family when we are already going through enough during COVID-19 and have lost family. I have contacted the Federal Trade Commission to get involved during this matter. I can not deal with the way they are handling this and can only imagine others getting treated this way
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding DriveTimeXXXX and their continued reporting of inaccurate information on my credit report. Despite multiple disputes regarding an auto loan account ( Account Number : XXXX ), they have failed to correct or delete the inaccuracies. 
The incorrect reporting is severely impacting my credit score and providing misleading information to potential future lenders. I have repeatedly contacted the company and the credit bureaus regarding these errors, but no resolution has been reached.