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

Dispute letters were sent to the credit reporting agencies regarding account XXXX/XXXX  XXXX due to incorrect information. I am requesting that this account is removed due to its many inaccuracies. How is different information reporting when all data furnished should be the same. It is my understanding that consumer reporting agencies are to follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. 15 U.S.C. 1681e ( b ). I know that this violation can be taken to small claims court, and I will be able to show the inaccurate report and proof that it has caused me to suffer damages. Please see the attached inaccurate report showing the different information you are reporting for the same account number. The account that I am disputing is highlighted. Remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$75000.00}, XXXX XXXX  XXXX. XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

the third party is trying to collect from a debt I don't know of. The agency failed to report validation of the debt that was owed to them, they also failed to show license and right to collect debt in the state of Florida where I reside. The agency violates the FCRA and is trying to ruin my credit report by reporting a debt I don't personally owe to them.
Product: Credit reporting or other personal consumer reports

I already pay for my charges off with XXXX XXXX  for both my accounts that I was charge off for. They agree to remove it off my account and its still showing up on my credit report.
Product: Debt collection

In XX/XX/XXXX, my XXXX XXXX bankruptcy case ( XXXX XXXX. XXXX ) was XXXX by the United States Bankruptcy XXXX for XXXX XXXX XXXX XXXX Georgia XXXX This discharge included all debts owed to Pentagon Federal Credit Union ( PenFed ), legally releasing me from any liability for these debts under 11 U.S.C. 524 ( a ). 

In XXXX, despite the discharge order, PenFed sold one of the discharged debts to XXXX XXXX, a third-party entity. The sale of a discharged debt is a clear violation of federal bankruptcy law, which prohibits creditors from transferring, selling, or enforcing dischargeXXXX debts in any manner. 

Furthermore, PenFed has restricted my ability to establish an account with them, requiring me to " take care of the balance '' with XXXXXXXX XXXX before I can open an account. This restriction constitutes an indirect attempt to enforce the discharged debt, which also violates the discharge injunction.

Actions Taken by the Company : PenFed sold the discharged debt to XXXX XXXX in XXXX, contrary to the protections provided under bankruptcy law. 
PenFed refused to allow me to open a new account unless the balance was resolved with XXXX XXXX, indirectly attempting to enforce a discharged debt.

Actions Taken by Me : I notified PenFed that the debt was discharged in my bankruptcy and provided supporting documentation, including the bankruptcy discharge order.

I requested that PenFed lift the restriction on opening an account and confirm the debt was no longer enforceable.

I informed them that selling or transferring a discharged debt violates 11 U.S.C. 524 ( a ).

Despite these efforts, PenFed has not resolved the issue, and their unlawful actions continue to cause stress and inconvenience. I seek immediate corrective action to address these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Creditor is showing charged off accounts when the creditor never sent a XXXX C to file on my taxes while the company has already filed on the companys taxes and received a tax break
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received this year two letters of credit denial from XXXX at XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX, the first on XX/XX/2019, then XX/XX/2019, both times, they have pull my credit, with my authorization, never have applied or inquire either written or verbal for any credit lines or an account with them, the first time I send a letter to the instruction and their CEO with a copy of the denial letter, neither bother to respond. This organization is committing fraud big time, the federal government needs to investigate them
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

FRONTLINE ASSET STRATEGIES is govern by 15 USC 1681 and they violated my rights numerous times. I demand the account listed below and uploaded be remove because According to 15 USC 1681 : I have right to privacy and I did not give FRONTLINE ASSET STRATEGIES written permission to furnish this account Account # XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report, which is my personal name and I see That Equifax is reporting an accurate information. Equifax did not tell me XXXX times under the American federal law that they was putting this on my personal name which is my credit report I never authorize. None of these inquiries on my credit report I will like them delete it immediately off of my personal name. Its {$1000.00} per violation and I will take legal action.
Product: Student loan

I was told I owed {$440.00} from a parent plus loan my daughter 's who graduated from XXXX XXXX in XXXX. I took out a consolidation loan with XXXX in XX/XX/XXXX. In XXXX ( 8 years later ) I was told I owed {$440.00} to Nelnet. I initially I thought they were scammers, I had no idea what they were talking about and asked for statements and how they got this number. 
I spoke to an account manager named XXXX on XX/XX/XXXX, she said she would research and call me back on XX/XX/XXXX, which she never called or emailed me back. 
They now have reported it and it ruined my very good credit score. 
I just call again and spoke to XXXX different people for over an hour to some explanation, that for some reason XXXX of the loans for XXXX was short paid by {$350.00}. I was told the bank consolidation loan was applied as payments which is why it took over 8 years to say I owed anything. 
I said I would pay the {$350.00} that was somehow left open with no expiration how. But don't think I owed interest from 8 years ago and now when I was not receiving any help on figuring out why or call backs not being returned and then make claims on my credit report when XXXX never called me back. 
I paid the {$350.00} by check today XX/XX/XXXX and asking how they fix my credit and reverse the interest. She said I have to contact Department of Education and XXXX. 
I have spent hours and talked to multiple people for a student loan form XXXX! I feel this is unfair and how do you not send a letter in the mail or call people back when you are a manager for something like this is crazy!
Product: Credit reporting or other personal consumer reports

Theses company is reporting late payment on my credit report I just wake this account correct
Product: Prepaid card

On XX/XX/year> I went to XXXX in XXXX XXXX XXXX IL and purchased a prepaid card called XXXX XXXX.Add XXXX on to the card .I used cash at the register XXXX b register .The rep than handed me a receipt of the transaction .I left went back to work as I arrive back at work at my desk I open the card and started to activate the prepaid card but after XXXX minutes I wasnt getting anywhere .So I called the number on the back of the card .We went back and forth for another couple hours to be exact XXXX hour and XXXX minutes .The rep name was ( XXXX ) he asked me questions about my name address and nothing was accomplished..He told me he would have a manager call me .Well that never happened.So I called again and again and again and there no answers that they could give me .I tried everything I called everyone in that company but they continued to ask me to provide my personal information and than get no where .But each rep tells me that dont worry I will make sure your card works by the time we end this call .So Ive been chasing these people since XX/XX/year> as of today I put XXXX on XXXX XXXX XXXX and got nothing .I still call every other day same thing each time. .Well this is been going on since XX/XX/year> I am so tired of getting the round a run so a friend told me to contact you ..Please help me. By the way my phone is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Receivable Management added a derogatory mark on my XXXX credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verity this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, Receivable Management has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

I became pre-qualified to finance a vehicle through Capital One Auto Finance on XX/XX/XXXX. The amount I was pre-qualified for was up to {$55000.00}. I was given a deadline by capital one to finance a car by XX/XX/XXXX or lose my pre-qualification. In the instructions they provide to finding a eligible car to finance, they ( Capital One ) instructed me to use their Capital One Auto Navigator website. The website : https : //www.capitalone.com/cars/. The website is supposed to list vehicles that are eligible for Capital one financing with the APR rate. I found a few vehicles on the site that I liked based on the number of seats, mileage, and price. One in particular, a XXXX XXXX XXXX XXXX for {$29000.00} did not provide an APR rate. Instead it listed the vehicle as " Unable to calculate a monthly payment and APR. '' I've called Capital One customer service multiple times and they informed me each time that the reason the APR is not calculating is because A ) the dealership did not provide enough information or B ) the dealership has the vehicle listed as a commercial vehicle and to call the dealership directly to submit my application for a hard credit inquiry to get the APR rate. I called the dealership in XXXX MA and XXXX the salesman informed me that the vehicle was a commercial vehicle. On XX/XX/XXXX, I was escalated to XXXX a solutions specialist at Capital One Auto Finance and she informed me that the dealerships they partner with are aware that Capital One does NOT finance commercial vehicles. Capital One and the partnered dealerships are aware that Capital One Auto Finance does not finance commercial vehicles, then commercial vehicles should not be listed on the website as eligible vehicles for financing. Its misleading sales tactics that play on deadlines and word play.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX $ Balance {$170.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I hope this letter finds you well. I am writing you for a XXXX time to request a free copy of my consumer report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ). I believe LCI is the entity responsible for maintaining my consumer information. 

To assist you in processing my request, please find the necessary details below : Full Name : XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX PA XXXX I kindly request that you provide me with a free copy of my consumer report as stipulated under the FCRA XXXX Please send the report to the address mentioned above at your earliest convenience. 

If there are any additional forms, fees, or procedures required to fulfill this request, please inform me promptly. I appreciate your prompt attention to this matter and thank you in advance for your cooperation. 

Sincerely, 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 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any report containing any of the following items of information and any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XX/XX/year>2023 : XXXX XXXXXXXX XXXX XX/XX/year>2023 : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Student loan

For nearly 3 months I have been dealing wit h Fedloan to try to change my income-driven repayment plan from IBR to PAYE . On numerous occasions I have been given incorrect information which has delayed the process, and has kept me in forbearance when I should be making payments. In general, the customer service representatives seem to be completely uninformed about their own policies. I have called in multiple times in a single day, getting a different answer from each customer service representative that I speak to. Once I was told they would mark my account for " expedited review '' since it had been so delayed. I called back the same day and was told by a different person that there is no such thing as " expedited revi ew '' at Fedloan. Now a fter 3 months, I 'm finally to the point in the process where I can pay the mandatory one-time reduced payment of {$5.00}, so that I can enter my new income-based repayment plan ( online calculator says I can expect to pay about $ 400 /mon  th  ). The bill for the {$5.00} was posted to my account on  X/XX/17   , and I paid it on  X/XX/17   . On  XXXX , I then got a new notice from  Fedloan  that my next bill is due   XX/XX/XXXX ,  in the amount of {$3900.00}. I called to ask how that amount is possible, and was told that I " paid the {$5.00} bill too early, and should have waited until  XX/XX/XXXX . '' I asked to speak to a manager, but no managers were available. I was never told to wait until  XX/XX/XXXX  to pay the bill, despite having many conversations with multiple Fedloan customer service reps about it. Nothing on the bill said to delay payment until  XX/XX/XXXX . My online payment went through and was taken out of my account immediately, and I received a confirmation of successful payment. Why would n't they delay the transaction until  XX/XX/XXXX  if that was required? They have my {$5.00}, I just want them to apply it appropriately and let me start my PAYE repayment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a customer of this company for a while never missed any payments I recently was hospitalized due to losing my XXXX and called the company to make a payment plan and use my protection plan to cover my bill. This started XX/XX/2019, I was advised that I was protected and that due to paying for the protection plan they will cover the cost and to maintain my account and that it will report positively still to the bureaus. I recently got an alert the company posted late payments after telling me that i was covered defaming my character.