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

in accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681c ( a ) ( 5 ), 15 USC 1681 ( b ) ( a ) ( 2 ), 15 USC 1681s-2, ,15 USC 1681 section 602 ( A ) ,15 USC 1681 604 ( 2 ) : XXXX ( no account number available ) XXXX XXXXXXXX Bank NA ( no account number available )
Product: Credit reporting

XXXX aka XXXX is innacuratly rsporting to ALL three agencies. I have disputed this through your system and I 'm more than confused as to how this is allowed to continue. On my Trans union, XXXX is rwporting XXXX negative and XXXX positive accounts. They are rwporting that I opened ALL XXXX accounts on the same day month & year totaling over XXXX {$.00} They are also reporting that I only paid XXXX month on all XXXX of the negative accounts yet I continued to pay for XXXX months on the positive ones. I submitted legal court documents stating in XX/XX/2013 XXXX filed a claim against me but dropped it due to settlements on all my accounts. the case againt me was settled and withdrawn and a year later they tried again to no avail and the case was dismissed against them -- yet, according to their reporting, even after the court cases, I continued to pay on only XXXX accounts. This is absurd! Then XXXX is reporting to XXXX as XXXX rents, they are reporting that I only have XXXX negative account and no positive accounts. They claim I opened the account on XX/XX/2013 and the amount was for XXXX for a term of XXXX month. How these agencies can not see the ridiculousness of this is beyond me, and both of these agencies claimed to have " verified '' this information. Well I wish to know HOW information is verified and I wish to have the verification myself. Last, they reported to XXXX XXXX negative accounts and XXXX positive accounts all opened the same day month and year totaling over XXXX {$.00} I have disputed and refuted this over and over. Credit agencies are not to allow innaccuries and its clearly OBVIOUS these reports are Innacurate. These actions by XXXX should investigated!
Product: Credit card or prepaid card

I have contacted Citibank repeatedly over the past 2 months. 

XXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX {$1000.00} Post transactions show a XX/XX/2022 date. The first entry show a posting date of the XXXX or XXXX. I am in agreement with this charge. 

The second transaction posted a few days later, on XX/XX/XXXX. This is the duplicate charge that I have been disputing. 

Citibank has not been forthright and has been deceptive. 

Despite the obvious error, Citibank is absolutely refusing to take action. 

Judging by recent complaints, this seems to be consistent behavior for them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX account was reported as a Collection charge-off and is affecting my credit score and life decisions of my financial livelihood negatively.The reporting of this account is incorrect and I still see a balance as it was charged-off.I urge your Agency to re-investigate and provide all the missing information. Also please explain why theres past due balance reporting while the report shows as charge-off? Im pretty sure you know that is a violation.I demand immediate deletion of this account to ensure that your agency is reporting full and only complete accurate information, According to U.S.C.1692C you have violated my rights in lawful communications please remove this collection account of my report. Also 12CFR1006.34C has been violated.I dispute the XXXX OF MY PROFILE AND THE METHOD OF PAYMENTS BE PROVIDED.Thanks..
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report, and I noticed some incorrect inaccuracies with one of my accounts. This account is reporting as paid, collection/chargeoff, and unpaid balance. That's completely false. This account was paid off in full.This incorrect information is severely hurting my credit score, and my ability to obtain new credit.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX, and XXXX ) consumer report, and I noticed that Capital One is reporting an auto loan as a charge off on my consumer reports. The IRS clearly defines a charge-off as gross or ordinary income, income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate. The IRS clearly states a canceled debt or charge is income. The reporting of this account as a debt is inaccurate.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Unauthorized Inquiries : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

There is inaccuracy in my consumer reports and 15 USC 1681 ( B ) protects me XXXX XXXX XXXX as the consumer, my Transunion report claims I owe XXXX XXXXXXXX XXXX XXXXXXXX while my XXXX report shows the balance at XXXX paid in full and my XXXX claims another amount this is considered Inaccuracy on my customer report which is also against the law as XXXX XXXX XXXX Terms and Conditions page XXXX stated they will not give out or sell my information to Non-Affiliates XXXX XXXX parties. Transunion, XXXX and XXXX arent affiliated. These corporations are also violating the Privacy Act of 1974, its illegal to report Transactions History but I am still seeing it present on my consumer reports. A charge off is considered Income why then are there charge off accounts reporting on my consumer reports these are all violations as I have not given written nor verbal consent to Transunion, XXXX nor XXXX to report on behalf of XXXXXXXX XXXX XXXX XXXX  XXXX, etc. Under 15 USC 6802 I have a right to Opt Out of anything on my credit report I OPT OUT of XXXX XXXX XXXX  reporting to my statement and all other 3 rd party non affiliates reporting on my consumer report without my consent Charge Off are considered income and can not be reported on my credit report kindly remove them all a certificate of indebtness is my income why do you continue to use it against the consumer thats also a violation of my rights.
Product: Credit reporting or other personal consumer reports

Transunion credit report shows tradeline XXXX XXXX # XXXX, # XXXX and # XXXX late payment date XX/XX/XXXX. The report also show 's XX/XX/XXXX days delinquent in XXXX, with payments being made i XXXX of XXXX it shows Terms {$0.00} for 72 months. These loan were included in a XXXX in XXXX. The Bankruptcy Code provides three exceptions relating to educational obligations, These Loans met the criteria for dischargeable as XXXX they were not Federal Direct Loans, old Federal Family Education Loans ( FFELs ), and state guaranteed loans 2. A private student loan is not a scholarship or stipend, and the overwhelming body of judicial authority finds that it is not an educational benefit either. See XXXX  v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX. XXXX ) ; In re XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). That a private loan is an educational benefit is inconsistent with the full text of 11 U.S.C. 523 ( 8 ), and 3.They did not provide validation that a private student loan is a qualified education loan under the third exception. 
Transunion tradeline shows contradictions in dates of delinquency ( last payment ) XXXX XXXX or XXXX XX/XX/XXXX. 
XXXX does not show inclusion of XXXX  XXXX claim status.
Product: Payday loan, title loan, or personal loan

I have been requesting a refund of the money paid for the secured loan to no avail. I paid the loan off in XXXX. I have sent them numerous documents all of which were requested by SELF. I can not speak to anyone via phone and the email system they have set up keeps sending me the same email requesting the same documents that were submitted previously.
Product: Credit reporting

I just recently reviewed my credit report and noticed a negative account from XXXX which i have no idea where it came from or how it suddenly appeared on the report. Years ago i had a fraudulent / bogus charge from XXXX which, when challenged was removed from my credit history. I have had no dealings at all with XXXX since around 2009, and the account was closed in good standing as far as i knew. I never received any bills or anything at all from anybody regarding owing XXXX anything.
Product: Debt collection

I have never been to XXXX XXXX  At XXXX XXXX. They have 2 charges on my Credit report for the same thing. I have disputed this, and was told it would be removed, It has not.
Product: Credit card

We switched my security system from XXXX to XXXX back in 2021. My family and I decided to finance our security equipment through Fortiva. We were approved for a {$4000.00} line of credit. Our purchase was under {$2000.00} We were making payments to pay off our purchase. We decided to make a purchase the earlier part of XXXX and we were told that we were delinquent on our Fortiva store card. We had been making payments. I called and was told that the Fortiva line of credit that we were first approved for was rolled over onto a credit card with a {$1500.00} line of credit. We were also informed that a credit card was sent out. We never received a credit card and we never received written notification that this change was happening. We also were not allowed to say no. We were not interested in obtaining another credit card. The customer service rep assured me that a card was sent out and that she would make a note on my account. I paid the bill, all but {$12.00} that appeared on the account after I paid the amount that was due. I then called again and demanded proof to be provided that they sent communication about the change and proof of a signature or verbal agreement from myself or any other authorized user on the account and they would not provide any documentation. This is fraud. They should not have been able to close my line of credit and open a credit card in my name using my social security number and other identifying information without my permission. We did not sign up for a credit card and we are not interested in keeping the account open. I filed a complaint with the XXXX  and their response was a {$100.00} credit. Claimed that we mentioned extenuating circumstances. That was a lie. There have been no extenuating circumstances in our household by the grace of XXXX. We don't want a credit from them. We want the wrong to be made right. Restore our original line of credit and close out this account. And make sure that the credit bureaus are aware of their mistake. We have done nothing wrong.
Product: Mortgage

two years ago i bought a piece of property to build my house and I got it staked out septic designed and acquired the permit. A year and a half age I was rear ended in a car accident and could not work for a year because I did not get the medical attention that i am owed. The affordable care act was passed and approved by the supreme court so the quality of our lives would not be reduced. Because of the gap in income it is almost impossible to get a loan as well as now being forced to work a forty hour a week job and have to build it on the side while homeless because of ongoing issues that the doctors will not treat me for. My quality of life has decreased and will decrease further if the almost {$40000.00} of my own money i spent will be wasted because the government is not following through on their promises. and renting or buying a house than i do not like is not going improve the quality of my life as well as i would need my {$40000.00} returned
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX, all this accounts below has violated my rights. 

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

15 U.S.C 1681 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

I recently looked at my credit reports and noticed that XXXX XXXX XXXX XXXX reported negative marks Maximum Delinquency of 30 days in XX/XX/2018 on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time.

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

In short, I never received such a warning notice!

I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.

I attached a copy of the law and the actual document from the federal reserve
Product: Student loan

I graduated in 2009 from XXXX XXXX XXXX in XXXX NY. Ever since then, I 've been unable to find a job. I 've had multiple interviews only to be turned away because I ca n't get the experience. While I was going to XXXX XXXX, we were being taught outdated material, using outdated books in outdated software. I went for 3 years and acquired XXXX XXXX degrees. I had attempted my XXXX in their online courses for about 9 months and decided that it was n't for me. By the time all was said and done, I had accumulated over {$100000.00} in debt between my Federal, Dept of Ed and Private loans all the while not being able to find a job, living paycheck to paycheck working manual labor jobs. I 'm still in a position where, although I work in XXXX all day ( not my ideal job ), it 's a contract position that could end any moment working at {$12.00} an hour. That being said, I 've been forced under threat of litigation by my private loan lenders to pay over {$400.00} a month to just 1 loan, not including the other private, fed or dept of ed loans. It took me a year and a half, almost 2, to get them down this low in payments. During one phone call, which my father can attest to, I was given 3 months of forbearance during a time that I was unemployed. When I asked the woman on the other end if by the end of the 3 months I still do n't have a job, what should I do? She casually replied with no remorse " I suggest you pay the loan ''. As if to say that there was absolutely nothing she could do and she could care less how I do it. I can barely make ends meet, my car needs fixing, and I 've been forced to live at home because I ca n't make enough to live on my own, let alone pay these outrageous loans at 7.5 % average interest rate. Although I have much respect for the teachers I had, my education was a sham and I do n't know about you guys, but {$100000.00} is more than most ivy league schools, but at least with them you come out with a masters with that kind of money. I even went to the Career Services department that the school provided to help students find jobs, along with my father again as a witness, and was literally told to look on the same websites I had been using for years prior to that meeting. No attempt was made to even make an effort to help me. At that point I was left wondering what the XXXX I was paying for? With the recent shutdown of XXXX XXXX, I 'm seeking retribution and I 'm happy to watch them collapse. I 'm tired of being pushed around, I 'm sick of being in debt to a school that is literally robbing me and I just want to live my life. I just want to be happy for once without the burden of knowing that someone out there is taking all of my money. I do n't know if this will make a difference but I have to try something. I 'm submitting this under the federal loan section but my private loans are part of this too. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The scoring is off, there is no way scores drop so severely for small things and increase so small for significant things. There is some serious cross conspiracy going on
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX XXXX  Account number : 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 convictions of crimes which antedates the report by more than XXXX 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.