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

I tried disputing these Items through XXXX and Trans Union and they still wo n't remove or update.

.Creditor Acct. # Standing Status XXXX XXXX -paid in Full XXXX XXXX XXXX - Paid in full even before they put on my credit XXXX XXXX XXXX XXXX Paid in Full XXXX XXXX XXXX XXXX- Paid in Full XXXX XXXX XXXX XXXX -Paid in Full XXXX XXXX XXXX XXXX Paid in Full XXXX XXXX XXXX XXXX Paid in Full XXXX  removed all of these since they are all paid in Full Trans Union removed all except XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I applied for a car loan, and during this process, multiple companies conducted inquiries on my credit report. While I authorized the initial application for a car loan, I am not contracted with or affiliated with the following companies that performed these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX conducted credit inquiries without my direct consent or authorization beyond the scope of my initial loan application. I am not in any contractual agreement with them, and these inquiries should not be on my report as they do not reflect any established accounts or agreements. 

Applicable US Codes Supporting My Dispute : 15 U.S.C. 1681b ( Fair Credit Reporting Act - FCRA ) : This section of the FCRA outlines permissible purposes for accessing consumer reports. Inquiries without proper authorization or direct consent violate this provision, as they must be connected to a legitimate business transaction initiated by the consumer.

15 U.S.C. 1681c-2 - Blocking of Information Resulting from Identity Theft : This section mandates that consumer reporting agencies must block reporting of any information that a consumer identifies as resulting from an identity theft-related incident or unauthorized access.

15 U.S.C. 1681i - Procedure in Case of Disputed Accuracy : Under this section, credit reporting agencies are required to investigate disputes and remove or correct inaccurate, incomplete, or unverifiable information promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following account : Account Name : XXXX  XXXX XXXX Account number : XXXX XXXXXXXX with TransUnion XXXX XXXX, and XXXX XXXX multiple occasions over several years. 

I have requested a re-investigation and verification of the account, but the agencies only respond with automated letters, failing to comply with the law and violating my consumer rights. However, they stated everything was complete and accurate, but how is that possible if the last date reported, date last activity, Status, date last payment and much more is inaccurate? 

How can explain that after being reported as a charge-off for several months, it suddenly now appears as a collection account. One agency reports one amount for the charge-off, while another agency reports a different amount. Also they do not report that the account is being disputed All these inaccuracies and violations limit my ability to obtain new credit cards, better interest rates, damage my personal finances, and currently prevent me from accessing the purchase of a home for my family. 

According to 15 USC 168 1i ( 5 ) they are supposed to modify or delete accounts that aren't reporting correctly. 

Also, 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. 

15 USC 1681 SECTION 602 A. States I have the right to privacy.

15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 crimea which antedates the report by more than seven years.

15 USC 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.

Also they arent even in compliance with metro 2 credit reporting. I have evidence attached to prove my case.
Product: Credit card

I signed up online for a credit card for Walmart. 

I never received a card. I still have not received a card. 

I never received a bill UNTIL AFTER I was notified that my payment was late. This failure to bill is not only bad business practice but implies fraudulent practice. 

I called customer service to complain that I was unable to access my account online and that I was furious that I would receive a late notice before I received a bill. 

At that time, I CANCELLED my account with a promise to pay the balance in full and the bank would remove the late charges. 

In XX/XX/XXXX and XX/XX/XXXX, I had a XXXX. 

I lived up to my part of the bargain with the CANCELLATION and PAYMENT OF BALANCE IN FULL. 

However, the bank failed to live up to their bargain in removing the late charges. Since then, the account, although closed, has continued to accrue late charges. This failure to follow through is not only bad business practice but implies fraudulent intent.
Product: Debt collection

I received two letters in the mail on XXXXXXXX XXXX XXXX. The company letter is telling me I owe XXXX and in the second letter they indicate I owe XXXX because of fees. I looked them up online and called them. The guy on the phone kept saying I owe XXXX not XXXX and had me provide the reference number on the letters sent. He asked for my name, phone number and address. Then told me to dispute the debt by filling out a form on their website. I went to the website and started to fill out the form but it asked for detailed bank information and more personal details. I felt very uncomfortable even though a XXXX search said they are legitimate. So I called my bank about it and they said it's a fake business. Also I called XXXX directly and the rep said that XXXX never sends letters in the mail and they do not use TRS Recovery Services for any debt related things. XXXX advised me to not give any more information and to report the fakeTRS Recovery Services company who seem to be just scammers.
Product: Checking or savings account

I have been dealing with some health issues for awhile and had not been using my checking account and finally was able to make a deposit of XXXX upon making the deposit of XXXX it was removed from the account. when i contacted they said it was applied to a credit card account that was charged off and would not provide any details of what the account details were other than a balance. I have asked them to send me a full detail of what the charges are on the account including what fees, interest and how they have come up with this balance. they refuse to give me any details other than a balance.
Product: Debt collection

I did agree to set up a payment plan or settlement but the person told me I had to pay the full amount at that time or wait til I receive the letter in the mail to go to court. He told me that I would have to pay it all at once when I try to settle it. Debt owed {$620.00}
Product: Credit reporting or other personal consumer reports

I am reaching out to address accounts that you have also failed to notate this accounts as in dispute when I have disputed before. Also, you are reporting this account incorrectly as a repossession when it has a good payment history and has already been PAID. THIS IS INACCUARTE REPORTING! Youre the only one reporting this account like this.
Product: Debt collection

I wrote a letter and mailed it certified mail return receipt to stop contacting me. I continue to get daily calls and voice mail messages despite instructing them to stop calling me. I am a senior citizen and they are scaring me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased an XXXX XXXX XXXX through XXXX XXXX that was due back in XX/XX/XXXX. Prior to having to return the car, a tree fell and damaged the vehicle. I worked with my insurance company to repair the vehicle. 

In the meantime, while I waited for the repairs to be completed and for XXXX XXXX to ship a back ordered part to the mechanic, I extended my lease from XXXX to XXXX, then XXXX, and then until XX/XX/XXXX, until I returned the vehicle on XX/XX/XXXX. 

There was confusion on behalf of Ally regarding my extension from XXXX until XXXX, but after speaking with XXXX XXXX XXXX, she confirmed that I would have an extension from XXXX XXXX XXXX like I originally requested and I would pay the {$530.00} for the monthly lease. I received the documents and immediately signed and turned them over in XXXX minutes on XX/XX/XXXX. A bill was then sent to me dated XX/XX/XXXX. 

Subsequently, I was informed that XXXX submitted information to the Credit Bureau that I was 60 days late on paying the bill and also charged her a late fee in addition to the monthly lease amount for XXXX XXXX XXXX. 

Ive tried to reach XXXX multiple times, Ive sent them letters and Ive called only to be disconnected. No one is providing any sort of assistance. 

I was never late making any payments. The information reported on my credit is false. Ive not received any assistance from them to properly finalize the end of my lease. Ive had the worst service with them and would never use them for any financial services again.
Product: Credit reporting or other personal consumer reports

Do not authorize the dealer to check on any other lender other than XXXX. So I want this checkup to be eliminated. I talked to the dealer 's manager and he said he couldn't do anything since the seller didn't tell him that. Then I want the immediate elimination of it
Product: Debt collection

My name is XXXX XXXX and through this website, I want to file a complaint against Absolute Resolutions Investments LLC. 

On XX/XX/XXXX, I filed an arbitration process against this company through the XXXX XXXX XXXX, but the XXXX denied the administration of the case because Absolute Resoluciones Investments, LLC did not comply with the XXXX 's requirements policies relating to consumer complaints. 

This situation has been stressful for me and affected my life in all aspects, I have spent time and money trying to resolve this but the company is evading its responsibilities. 

It is for this reason that I request an investigation into this matter, please see the attached document as proof of what I am alleging. 

Thank you!
Product: Student loan

I qualify for the Public Student Loan forgiveness ( under the temporary relief program ). I had two different servicers initially ( XXXX XXXX XXXX  and American Education Services ). The loans from American Education Services had to be consolidated and were transferred to Fedloans. These loans were forgiven on XX/XX/2021. The loans from XXXX XXXX did not transfer over and I called both servicers trying to get them transferred. Eventually, someone at XXXX XXXX was able to get them transferred to Fed loans. The issue is that my employment date is incorrect. The correct dates are in the portal at Fedloans and have been since I initiated this process in XXXX. Also my payment counts are showing that they are ineligible because my employment dates are incorrect but clearly the form shows that I have been at the same employer for the past 11 years. My account has definitely been mishandled and I am dissatisfied by the lack of knowledge as provided by both servicers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put a Despute in for credit exception company 2  years ago with Experian and they still have it on my credit report now .That car loan belongs to XXXX XXXX he is deceased and the car is in bankruptcy.I have call the on yesterday to Despute again. Please help me help Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the prompt removal of fraudulent accounts from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission and also filed a Police Report on my local police department. The bank has accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which has been mistakenly existing on my report for over five years. 
Additionally, I have reached out to the bank associated with the fraudulent accounts. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX.
Product: Credit card or prepaid card

I had previously complained about the XXXX XXXX credit card with Complaint Id XXXX. That was resolved by XXXX XXXX. After that resolution I had requested XXXX 's customer department to close my credit card and asked if there was any balance and I was told that there was no balance pending. The customer service rep assured me that my credit card account will be closed and this happened sometime in XXXX. But few weeks after that sometime in XX/XX/2018 I received a statement that some amount was pending with the late charge. I called customer care and explained them about my earlier conversation but they were not willing to understand the situation. I told them I am ready to pay the balance but not the late fees but they refused. With XXXX kids to manage there are so many things to follow-up in life. I have many other credit cards and I have never faced any difficulties with them and my credit rating is very good. I want to close my credit card account with XXXX XXXX and pay the amount I owe. But I don't want to pay the late fees and interest charges. As per the statement from XXXX 's the purchase made was for {$27.00} and the fees and interest is {$240.00}. My account number is XXXX. Also upon payment of {$27.00} I want an email confirmation that my account has been closed. 


Kindly help me.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I've sent multiple letters to XXXX XXXX and all 3 credit bureaus about this alleged debt and advised them to cease and desist. I made an uniformed decision when I entered into this credit transaction. The contract terms weren't clear and conspicuous, which caused me to get XXXX XXXX XXXX  as a consumer by XXXX XXXX. I have asked for the original contract multiple times but somehow XXXX XXXX confuses an invoice as an actual contract, which is a violation of my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified that my mortgage service company XXXX was being transferred to Shellpoint Servicing. back around XX/XX/19. My mortgage payments were on an autopay from my bank every month. My XXXX and XXXX payments were drafted from my bank. I thought everything was ok, went I spoke with Shellpoint, they stated XXXX was no longer in business. I attempted to make a payment to Shellpoint, they stated all my account info was not transferred and to call back. I stated I was concerned with my credit report, and they told me that they will not report to the credit agencies during the transition time. I went to purchase a vacation home, I and ( 2 ) 30 day and 60 day late was reported. These need to be removed, the account is current. It took me over a month to recover the {$5500.00} given to XXXX. 

Thank you in advance for your help, XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

Re : Disputing errors on credit report To whom it may concern, This complaint is against XXXX XXXX XXXX for the account XXXX XXXX  for the following violations of my rights as a federally protected consumer under the Fair Credit Reporting Act and Privacy Act of 1974. 

Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( XXXX XXXX XXXX ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between XXXX XXXX XXXX and me. 

Furthermore, I am requesting that XXXX XXXX XXXX  provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that have been adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. I am giving XXXX XXXXXXXX XXXX 30 days from the date that of the receive complaint to provide me with the information that I am requesting. If the requested information is not received in the allotted time given, then it will be assumed that the late payments can not be verified on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request the removal of the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX TransUnion or all that apply ) and an update to the accounts to positive and paid as agreed. 

Your cooperation in this matter is crucial to ensure the accuracy of my credit report and safeguard my rights as a consumer under the FCRA. I look forward to a timely resolution.
Product: Credit reporting or other personal consumer reports

late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Product: Debt collection

I got a cancellation notice from sears in XX/XX/XXXX I would call the company and never get through and no one would come to fix anything so I discontinued my warranty today I got a bill for the amount of {$300.00} never knew anything about owing this company a dime until they filed bankruptcy they never came to fix anything and would refuse to answer the phone. The last time they came to fix anything they advised I did not owe anything and it was a mistake on their part for having me wait 3 months for paying for the service and no one coming to fix my house.
Product: Student loan

Contacted my student loan servicer Mohela XX/XX/XXXX to inquire about returning to payment XX/XX/XXXX with my income driven repayment plan ( SAVE ). As of my knowledge in XX/XX/XXXX I logged into my Mohela account and my payment due was double that it was supposed to be under the IDR ( Save ) agreement. Approximately went from XXXX $ to XXXX $ without any notice, correspondence or reason as to such. Contacted MOHELA XX/XX/XXXX to ask about my PSLF Employment Certification which I submitted in XXXX of XXXX, and was effectively discussed 90 days later from that initial submission as it was marked as a " duplicate form. '' Customer representative on XX/XX/XXXX ( have recorded phone call, ) indicated that these types of errors, " just happen, '' and further advise me to submit an additional PSLF Employment Certification Form, of which I already had after looking at my account and seeing that Mohela completely dismissed my initial PSLF. I submitted another manual PSLF in XXXX, had in signed by my government employer, and it has been nearly 90 days and the form is still " processing. '' I have never received any billing statement correspondence from MOHELA either through the mail or electronic means ( email, secure messaging, etc. ) I was told my refund for XXXX and XXXX refunds due to their negligence as imposed by the department of Education would take 60 days, however there is no written correspondence to indicate this actually happened, only a customer service representative whom claimed she processed it on XX/XX/XXXX. I'm very troubled by the lack of transparency, nearly absent correspondence, related to my actual income driven repayment plan ( SAVE ), and especially as it relates to my monthly payment plan doubling within about a week following my most recent payment of XXXX $ on XX/XX/XXXX.
Product: Debt collection

XXXX XXXX stolen by XXXX. 
XXXX is asking me to pay them {$1900.00} when they owe me {$2600.00} From below : ( XXXX XXXX XXXX ; XXXX, XXXX ( 2020 ). ) Misdemeanor Theft A person who steals property or services valued at {$1500.00} or less commits a misdemeanor, punishable by up to 12 months ' jail time and a {$1000.00} fine. If an offender receives a sentence of six months or less, the judge may allow the offender to serve the sentence on weekends or during non-working hours. 

Georgia allows any owner of stolen personal property ( not just retail merchandise ) to bring a civil action for damages against the offender. 

Before filing the civil action in court, the property or store owner must send the offender a written demand and give the offender 30 days to pay the following amounts : compensatory damages for the value of the property and any other losses incurred from the offense, and exemplary ( punitive ) damages in the amount of {$300.00} or triple the value of the loss, whichever is greater. 

If the offender doesn't pay within 30 days, the property or store owner can seek the above damages, plus attorneys ' fees and costs, in court. ( XXXX XXXX XXXX ( 2020 ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( original creditor ) sold my account to another company named XXXX XXXX XXXX XXXX I paid XXXX in full but the original creditor continues to report a balance of {$1500.00} when there is none. They refuse to talk to me stating that they are no longer the servicer of the account but they still continue to report a balance. I disputed this with Equifax last month. The results were that they changed the balance to reflect a {$0.00} dollar balance. This month is its being reported at Equifax as owing {$1500.00} again.