23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 XXXX  XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of 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: Vehicle loan or lease

In reference to account # XXXX, Citizens One Auto Finance is utilizing illegal late fee policies. 
My payment is due on the 3rd of the month with a 10 day grace period. 
I have always paid my car note before the XX/XX/XXXX of every month. 
The first time they accessed the late fee, I asked them to remove it because I paid on the XX/XX/XXXX. 
The rep stated that I paid on a Saturday, and they don't count the weekend as a payment date. 
I asked the rep, where does it state that on their website. 
She couldn't advise me because it's not stated on their website. 
If their policy states that weekend payments only count for the next business day, PLEASE PUT THAT ON YOUR WEBSITE. 
After I complained, they removed the late fee. 
This second late fee that they won't remove occurred after I paid my bill on the XX/XX/XXXX of the month in XX/XX/2018. 
They did not debit the money out of my account until 5 days later. 
I don't care when they took the money out of my account, I paid the bill on the XX/XX/XXXX. 
Instead of them reviewing my account to see if a payment is pending, they immediately access a late fee. 
These are unethical practices that they're using to access late fees on their customers ' account. 
If my account is reviewed, there will be NO payments made after the XX/XX/XXXX, so I've never been late. 
I mailed them a letter two weeks ago asking for them to remove the late fee. They refuse to remove it despite me paying my bill on the XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Refund of all unauthorized funds taken from my account
Product: Student loan

On XX/XX/2023, I submitted an application to consolidate my student loans ( which are all XXXX XXXX XXXX- XXXX of them ) into XXXX. I was doing this to ensure that all of the loans had the payment history on XXXX XXXX XXXX be forgiven. Nelnet them contacted me via email and said they couldn't process my application without the missing information they are requesting in a message in my account. There was NO SUCH MESSAGE anywhere in my account. I wrote back to tell them this, and they then said that I could not consolidate my loans, as I can only have XXXX consolidation loan. That is obviously a lie, because if I can only have XXXX of them .... then how is it that I already have XXXX, then? Makes no sense. Also, you CAN consolidate several consolidated loans into XXXX. According to the UPDATE ON CONSOLIDATION LOAN ISSUES XXXX XXXX AND XXXX, on Attachment A, Page XXXX, it states " A borrower XXXX consolidate an existing FFEL or XXXX XXXX XXXX Loan only if the borrower includes at least XXXX other eligible loan in the consolidation. The other eligible loan XXXX be another Consolidation Loan. If the existing Consolidation Loan is in default, the borrower must also either make satisfactory repayment arrangements on the defaulted loan, or must agree to repay the new Consolidation Loan under the income- sensitive ( for the FFEL Program ) or income contingent ( for the XXXX  XXXX XXXX XXXX repayment plan. '' So, in short, Nelnet lied to me and then began to ignore my emails asking for a solid explanation of why they were not processing my consolidation application, which remains in an 'open ' status to this day, over 6 months later. Their refusal to consolidate the loans in a timely manner led to the XXXX lesser consolidation loans being forgiven on XX/XX/XXXX, but the XXXX higher amount consolidation loans were not. Had that perfectly valid application been processed within the XXXX weeks it should have been, all of my loans would now be forgiven. XXXX, if I can only have ONE consolidation loan as they claim... then forgive the whole thing. This is costing me over XXXX, as I am one of those poor souls who has been subjected to extreme compounding interest resulting in a balance far higher than my orginal loan amounts, even after XXXX years. To say I'm frustrated and disappointed is by far an understatement. I expect heaven and XXXX to be moved to fix this issue in my favor. They LIED and then didn't bother doing their job or even communicating with me anymore. In fact, as we speak, I am coming up on an hour hold- it is nearly impossible to get through to them by phone and they don't answer emails. This isn't just plain incompetence .... this should be criminal! It is inexcuseable for an " Official '' Student Loan Servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Refer to previous complaint # XXXX. I have sent for and received a credit report from another reporting agency, XXXX. This report again shows an address that I have never lived at or used as my address. This report shows a collection of an unpaid debt that I have never had. This report shows an inaccurate payment record, and falsely shows unpaid bills that have never been sent to me. This report does not give a phone number or other method of responding to items that are incorrect on my report to the credit reporting agency, XXXX. If there is shown a way to contact this agency, it is not readily or easily found.
Product: Mortgage

The lender was provided the loss mitigation package on XX/XX/2017 and I have requested an update on this review 3 times by being transferred to a loss mitt rep and having to leave a message - a notice of sale, with a sale date of XX/XX/2017 was received and i still have yet to get an update on the loss mitt review - when I called today for the review update, I was advised they never received the package for the review - I have been given conflicting information from the lender for over 3 weeks. and now they have set a sale date - At this point we feel the lender is not willing to assist the client nor do they have a competent system for the updates being provided.
Product: Debt collection

I received a letter from Capital One Bank stating that I owed {$460.00} and that an account was opened on XX/XX/2019. I called to verify and I was told that I did not have a card associated with my name. However, I received a letter from XXXX XXXX XXXX stating that the account was sold and it was attempt to collect a debt. During the time this account was opened, I was living in the state of Georgia and was not at the address mentioned on the Capital One Bank Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The property by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violated not only my financial rights but also my personal rights. They removed my personal property from my apartment which was the direct cause of many of my items being stolen. We were not in violation of the eviction notice as it was sent out that same day. Which means we still had XXXX hours to pay. I have engaged in disputes with this company many of times over the years because of this but they are not attempting to make this fair. The agency is also reporting the collection account each month without my prior consent. Also, I did not receive a letter of notification of this debt. I request that these accounts be removed immediately due to a violation of the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

I have been having an issue with an account on my Equifax credit report. I recently view it and after several attemps to have this matter resolved I see there still is innacurate information reporting. There is an account - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting payments late XX/XX/XXXX and XX/XX/XXXX. In accordance to the Fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 0 2 states that I have a right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these late payments being late, please update my payment history to PAANL status ( PAID AS AGREED, NEVER LATE ) according to consumer protection laws
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue regarding the reporting of a late payment account on my credit report, which I believe may be in violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681. According to the FCRA, by law I have the right to challenge any inaccurate information on my credit report.

15 U.S.C. Sec 1681i ( a ) states that if you can not provide proof then the account must be deleted especially when it is inaccurate. I am requesting that this XXXX XXXX XXXX account gets deleted. Ive contacted the three major bureaus to investigate every piece of information on the account listed below and I still have not had a proper investigation launched. In addition, in accordance with the FCRA XXXX XXXX XXXX has violated my rights : 1. 15 U.S.C 1681 section 602 A, states I have the right to privacy : It also states a consumer reporting agency can not furnish an account without my written instructions 2. Per, " 15 USC 1681 A and 15 U.S. Code 1681i ( 7 ) A- Treatment of inaccurate or unverifiable information is found to be inaccurate or incomplete or can not be verified, ( I ) promptly delete that item of information from the file of the consumer. 

I did not give written permission to have these accounts furnished on my report. According to the FCRA 15 USC 1681 everything has to be 100 % accurate. Once again, I am demanding a correction to my credit report by this item being deleted and removed from my credit report.
Product: Checking or savings account

On XX/XX/XXXX i made a mobile deposit. On XX/XX/XXXX the check cleared and was in my account under my current and my availabie balance. XXXX was the amount. I have not had acess to my funds at all its been 7 months. They say a check could take up to 3 years to be returned. Now XXXX XXXX  has paid the check it has cleared. Now there telling me that i need to find the person who wrote the check have them call capital one 360 on from a number they can verfiy. I was paid for one time cleaning job to salvage and clean belongings left from a house fire. This person moved to FL why cant they go threw his bank to find him and if there was a issue i dont think his bank would of paid it. I bank with capital one 360 checking my name is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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

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

XXXX, XXXX  and Experian is reporting this repossession inaccurate on my credit report. First XXXX  and XXXX  is reporting a monthly payment of XXXX. It is a violation to report a monthly payment on a repossession as the car is no longer in my possession. XXXX  and Experian is reporting a month term. This car is a repossession it should not report a term length. 

XXXX is reporting the date of last activity as XX/XX/2019. Experian is reporting XX/XX/2019. XXXX  is reporting XX/XX/2019 Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am never late in this account please remove the late payment remarks! This is ridiculous, there should be no late payment remarks here!
Product: Debt collection

I sent a check to XXXX for XXXX XXXX dollars and relieved a collections notice recently I did not think there was correspondance between the XXXX companies. I recently called XXXX and paid in full
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/XXXX2024 and noticed some inquiries I did not authorize the following inquires I didn't allow them to inquire into my credit please look into this matter and help protect my federally protected rights. XXXX XXXX XX/XX/XXXX2024 global lend XX/XX/XXXX2023 ally financ XX/XX/XXXX2023 XXXX  XXXX af XX/XX/XXXX2023 XXXX  XX/XX/XXXX2023 XXXX XXXX  XXXX XX/XX/XXXX2023 XXXX XX/XX/XXXX2022 XXXX  XXXX  XX/XX/XXXX2022 these XXXX inquires are unauthorized please help
Product: Credit reporting or other personal consumer reports

After checking my credit report, I have found that there has been a fraudulent account opened under my name without my authorization! I had no idea that my personal information was being used and I am in shock. I have filed an identity theft report with the FTC which will be attached. This account was opened without my knowledge and consent. It should be removed from my credit report!

The details of the subject account are below : APPLE CARD - GS BANK XXXX XXXX, 2021 {$2700.00}
Product: Credit card or prepaid card

The Company Fortiva Retail Credit is currently charging me amount that is not owed to them. I had a purchase with a company by the name of XXXX XXXX XXXX in XXXX. Ga. The purchase and financed. amount was {$2400.00}. I have paid this Company over {$2800.00} as of today and they still asking for another {$1000.00} more. I have disputed this balance with an attorney. This company refuse to provide the law firm copies of statements from XXXX of XXXX XXXX XXXX that are missing on their web site. The only way we can get the copies I have to pay for them, and I refuse to pay for something they required by law to provide. They also refuse to provide documents I signed that I will be financing a purchase of {$3500.00}. 

This company has also removed majority of my payment information as and can't review
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. 

Here are the fraudulent inquiries in TransUnion : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes 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 has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In accordance with the Fair Credit Report act, XXXX XXXX XXXX, has violated my rights. 
5 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following documents attached with this letter is an official police report from the XXXX XXXX Police Department. This document is proof that I was an identity fraud victim from XXXX to XXXX. 

Equifax continues to report fraudulent accounts that were open in between the dates listed above and it is severely hurting my credit reputation and good name. 

I have worked continuously hard to clear my name and my credit reports of these fraudulent accounts with numerous letters to Equifax to no avail. 

I sent an online dispute on XX/XX/XXXX, it has been more than 30 days and I still have not received any results. I demand that you permanently delete all fraudulent accounts that were opened as a result of identity theft.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 
Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute involves XXXX XXXX XXXX and an inaccurate reporting of my account status to XXXX  and Experian. After challenging the validity of the account I received feedback from XXXX on XX/XX/2018 which stated that the account was being deleted from my XXXX   account due to being unable to very this debt with an original instrument of indebtedness. Experian has stated that the account was verified and updated the status to paid, however they have failed to provide this original instrument of indebtedness. My concern is that the company could not provide this for XXXX, but somehow provided it for Experian. It is my belief that Experian is utilization information from a third party to validate this debt and without this documentation actually being provided. In a recent review of my credit report I see that this account was in fact not deleted from my XXXX and still remains in a negative status which is negatively impacting my score. The account in question does report to Experian as being paid status, it does however have a negative payment history which directly impacts my ability to purchase a new home.
Product: Checking or savings account

On   XXXX   XXXX   XXXX     XXXX   XXXX    charged my debit card for  XXXX   XXXX   XXXX   for future publishing services to be completed by  XXXX   XXXX .   However, I was have n't communication issues in  XXXX  to  XXXX  when all communication stopped I requested my money to be returned in  XXXX ,  XXXX  and filed a compliant with the attorney general of Oklahoma.     I contacted chase bank in   XX/XX/XXXX /  XXXX   XXXX   XXXX   an d advised them that I never received the services that I paid for.   They denied my claim writing that they confirmed it was a good transaction. The transaction ( debit ) is not the claim. They are denying my claim without substantiating the validity of the claim. How can they do this.