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

This is XXXX XXXX and I am submitting this CFPB Complaint to day to follow up the previous complaint I submitted last XXXX XX/XX/2022. I previously sent a letter addressed to the Credit Bureaus on XX/XX/2022, with complete attachments of personal identifying dcouments such as my Driver 's license, and Proof of Billing address, to remove Accounts, Personal informatio and inquiries that are completely UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/2022. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX & I am including it again. I need the following fraudulent items deleted from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$180.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX Balance : {$280.00} US DEPT ED XXXX Balance : {$7100.00} US DEPT ED XXXX Balance : {$6800.00} US DEPT ED XXXX Balance : {$5600.00} US DEPT ED XXXX Balance : {$10000.00} US DEPT ED XXXX Balance : {$7200.00} US DEPT ED XXXX Balance : {$9400.00} US DEPT ED XXXX Balance : {$3100.00} US DEPT ED XXXXXXXX Balance XXXX {$460.00} US DEPT ED XXXX Balance : {$1600.00} US DEPT ED XXXX Balance : {$8100.00} US DEPT ED XXXX Balance : {$8300.00} US DEPT ED XXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} US DEPT ED XXXX Balance : {$3300.00} US DEPT ED XXXX Balance : {$3900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was sued by XXXXXXXX XXXX XXXXXXXX for an old auto loan debt. After a year in court, they won a summary judgement against me in the amount of XXXX and agreed in writing to a payment schedule of XXXX per month until the debt was paid off. I made my first payment before the due date and received a letter threatening to proceed with a wage garnishment.
Product: Student loan

I am not seeing the exact issue on the options so I did my best. 

I was sued on my private loans however. The issue is The XXXX XXXX is fraudulent and due to these issues and law suits surrounding for profit schools under the Navient school misconduct private loan discharge I am demanding my payments to settle the loan amount be refunded 100 %. Please contact me to complete the refund and send a check in the amount of XXXX. 

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

Errors in billing and reporting by my bank have had a negative impact on my credit, despite my efforts to maintain a responsible payment history. Under the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ), creditors are required to report payments and account balances accurately, yet I have identified several issues. Payments I made were not properly recorded, and there are clear miscalculations in the reported amounts. Additionally, I was not given the required XXXX notice before a payment was due, making any late payment not only unfair but also legally invalid. These inaccuracies are a direct violation of my rights and have unfairly damaged my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was having an issue due to job loss and relocation two state 's away in an attempt to find work. In the process, I fell behind on my car payment. They repossessed the vehicle in XXXX. This account has been sitting there for over 4 years and it was no longer affecting my credit until XXXX, XXXX and Experian have allowed them to reestablish the date today, bringing it to the forefront again. It now looks like a brand new repossession / failure to pay and has tanked my score. 
I believe that this is clear retaliation on the part of the Big Three to  keep consumer credit scores down. I have worked very hard over the past three years to improve my credit rating ; paying all bills, credit card use is at the bare minimum and paid in full monthly. This is affecting my opportunity to have a life! I can not rent anywhere aside from an RV park because the Big Three keep allowing creditors that are at the fall off point to reestablish their date and thereby tanking my score. 
I have written you before with no assistance. Please ensure that the PRIVATE companies that you allow to have so much power over our lives, are in compliance with the LAW!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is showing on my credit report as charged off and is reporting every month that the account is still charged off, However i filed bankruptcy XX/XX/2019 and included the company. There response was the account had charged off before i filed bankruptcy, but I did include them and the collection agency that it was sent to. They should have reported the account past due and then reported charge off for two months until i filed bankruptcy and then they should have reported the account as XXXX  and stop reporting charge off every month as they are also trying to collect on that balance that was included in my bankruptcy. This has charged me higher rates on current auto loans and also denied me for other ones due to them reporting the account as still being negative. They have refused to fix the reported information on my credit. I have contacted an attorney out of XXXX that has told me to take all these steps so when we go to court i can prove that I tried every possible step to take to fix this issue. I also filed a XXXX, There reply was that the account was charged off before bankruptcy BUT the account was included in my bankruptcy charged off or not. This is my final attempt to resolve this before a lawsuit is filed for unfair reporting, and collecting on an account that was included in my bankruptcy
Product: Credit reporting or other personal consumer reports

Experian, Equifax & Transunion have all failed to fulfil their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian & Equifax, alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience. They have neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to removed or amend the disputed accounts, as their inaction violates federal law and my rights. These are the accounts/personal information I've marked as inaccurate and are still showing : 1. ) XXXX XXXX XXXX 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: Vehicle loan or lease

Original creditor charged off loan and closed the account. A month later another company shows up on a different credit credit monitoring company. It shows that it owns the debt, the account is in open status with a new opening date and a new 7 year period. The original creditor only had a year left before it was going to fall off. Is this legal
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank/Pay Pal Original Creditor XXXX XXXX XXXX  This is on my credit report for years, I have disputed it several times via XXXX XXXXXXXX & phone calls to XXXX & XXXX XXXX XXXX Regardless of what information they supply it is incorrect & I have no connection to this Pay Pal account whatsoever. I have had FRAUD 3 times regarding my information on numerous occasions via my name, address, debit cards, etc... 
Please help me get this resolved asap to get this off my credit report. 
Sincerely, XXXX XXXX
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. 
XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX : # XXXX, AEPT OF ED/XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  : # 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 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: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or delete these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation into Loan Mismanagement and Compounding Interest by Nelnet Description : I am writing to request an investigation into the mismanagement of my student loans by Nelnet and prior loan servicers, which has resulted in compounding interest, inflated balances, and undue financial hardship. Below are the key details : XXXX. Background : I completed XXXX school in XX/XX/year>, after which I enrolled in XXXX school at XXXX XXXX While in XXXX school, I began receiving bills for my XXXX loans, despite being informed by a U.S. Department of Education representative that payments would not be required during my enrollment. I was told that paying XXXX XXXX monthly would keep my loans in good standing. I followed this advice but continued receiving threatening notices. 

I contacted the Department of Education again and was told that no payments were necessary while in graduate school and that I could request a refund of my payments. However, when escalated to a supervisor, I was informed that refunds were not possible, leaving me frustrated and misled. This miscommunication contributed to my withdrawal from XXXX school, halting my education. 

XXXX. Military Service : I served XXXX XXXX in the XXXX XXXX XXXX and utilized the XXXX XXXX XXXX during my XXXX studies. I remained in regular contact with Financial Aid and XXXX departments to ensure all paperwork was submitted correctly, yet I still experienced these issues. 

XXXX. Current Status : My XXXX loans, originally {$15000.00}, have grown to over {$60000.00} due to compounding interest. Over the years, my loans have been transferred multiple times ( from the U.S. Department of Education to Great Lakes, and now to Nelnet ), and I have repeatedly been denied access to my complete loan records. 

XXXX. Impact : These errors have significantly impacted my XXXX XXXX, resulting in denials for housing and financial opportunities. I have also been unable to pursue further education due to my damaged financial standing. 

Request for Resolution : - Investigate Nelnet and previous servicers for mismanagement and failure to provide accurate information. 
- Ensure compounding interest and erroneous fees are removed. 
- Provide complete documentation of my loan records, including payment history, interest accrual, and transfers. 

I have already updated my information with all credit bureaus to reflect my current address and phone number, but they keep coming back and just like last year I had to call XXXX  to request my credit report. 

Please investigate this matter and help ensure that servicers comply with federal laws protecting borrowers. 

Thank you for your assistance.
Product: Prepaid card

I received an Amex eGift Card. 

I validated my card on XXXX XXXX XXXX XXXXhich shows a balance. 

I attempt to use this on XXXX and the transaction is declined. 

I tried again some time later and it was declined again. 

Many people have reported having this problem starting this past year.
Product: Debt collection

APPLE CARD XXXX GS BANK USA Account Number XXXX XXXX Is reporting to XXXX and XXXX that I owe {$3400.00} on a {$2500.00} credit limit card. The account shows closed and charged off. 
About a year ago someone from Apple called me to ask if Im trying to open a card I told them no and they said they will flag the application as fraud. Now Im checking my credit report and I see theres a collection from Apple. I contacted them about it and the representative said how its under investigation and the back office will call me. I asked them when they will call or if I can call they said theres no number they will contact me. This is reporting negatively on my credit report and I want it off because I kept telling them this account is fraud and does not belong to me. Hes saying they cant remove it.
Product: Debt collection

Ive been struggling with all 3 credit bureaus on My legal name change and now this Account problem all 3 of my Accounts have a Listed Account XXXX XXXX that has been charged off 4 years ago and Spring Oaks LLC is listed on my Credit Report also. Same Debt Duplicate Debt listed Ive contacted XXXX they will not remove it. Spring Oaks LLC states that they bought the debt from XXXX  XXXX.who purchased the Debt from XXXX This is Destroying my Credit the FCRA states this is illegal please delete both accounts for Violation of The FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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
Product: Credit reporting

My account information is showing incorrect to the credit reporting agencies, it shows a duplicate past due payment that was already listed in XXXX for 30days past due for a XXXX payment. XXXX 30 day was listed on all 3 credit bureaus XXXX, XXXX, XXXX. since then it has showed back on my report like a recent 30 day past due and this is incorrect as i have made a payment in XXXX and now in XXXX, this has already reported and should be showing as currently behind and is not. I am very upset about this matter as is causing issues now to my credit and have also lossed additional points to my credit that since XX/XX/XXXX with the one 30day past payment i got back. Why am i getting hit again? This account was also closed by the grantors request and i am actively making payments to finish this account off in final.
Product: Credit card

I never received the order I placed to attend sons wedding. I asked for them to remove the debt from they card. They continue to bill me and are going to ruin my credit.
Product: Credit reporting or other personal consumer reports

After examining my credit report, I've discovered several unauthorized accounts that have adversely affected my credit standing. I am deeply dismayed by your assumption regarding whether I've been a victim or not. Your authority or legal standing to make such claims is nonexistent. I firmly assert that these accounts are a consequence of identity theft and demand swift attention and resolution. 


I wish to clarify that I have neither initiated nor authorized the accounts listed on my credit report. These accounts have been opened fraudulently, without my knowledge or consent. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing reports. I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. 

I kindly request that you conduct a thorough investigation into the validity of these accounts and take appropriate actions to remove them from my credit report, as they are not the result of any legitimate transaction or credit application made by me. 

XXXX XXXX XXXX XXXX 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

Experian has not answered any of my dispute letters or they keep rescheduling them for 30 more days. I have been disputing since XX/XX/year>. I havent received any correspondence from them at all. Attached are just a handful of disputes that I have sent to Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Experian XXXX  To whom it may concern : In reviewing my credit report i discovered that my file fail to include information that i know is important to providing a complete portrait of me as a consumer. I request that you add the following information to my credit file. 

Last Reported : XXXX XXXX, XXXX Creditor Name : XXXX Account Type : Credit Card Open Date : XXXX/XXXX/XXXX Limit : {$30000.00} Monthly Payment : {$300.00} Responsibility : Individual Balance : {$99.00} Highest Balance : {$99.00} Payment Status : Current Worst Payment Status : Current Amount Past Due : $ 0 Times XXXX/XXXX/XXXX Late : XXXX Rent Reporters Acct # XXXX Last Reported : XXXX XXXX, XXXX Creditor Name : Rent Reporter Account Type : Rent Open Date : XXXX/XXXX/XXXX Limit : {$3800.00} Monthly Payment : {$3800.00} Responsibility : Individual Balance : {$0.00} Highest Balance : {$0.00} Payment Status : Current Worst Payment Status : Current Amount Past Due : $ 0 Times XXXX/XXXX/XXXX Late : XXXX If you need additional information from me i can be reached at include phone number. Please inform me if there is a fee for this service. 

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

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 SECTION 602 states, I have the rights 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, under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the XXXX FCRA XXXX ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

GM Financial Open date : XX/XX/XXXX Closed date : XX/XX/XXXX Highest balance : {$7400.00} Issue : the car was returned for lease termination. 
GM Financial never sent the closing statement for final payment. I called in twice in the following 5 months and was told the closing statement had not been generated. 
When I called in XXXX, XXXX to gather information on 3 GM financial accounts ( all car leases ) for mortgage application purpose I was told this one account was 60 days delinquent ( other 2 were closed ). I asked for explanation and I was told they had sent out closing statement in mail and called my cell phone. 
However, I have never received the closing statement in mail and gotten any voicemail from GM financial. I never pick up phone # s that's recognized. however, I've never received voicemails left by GM Financial. 

I've requested to file a dispute but GM Financial never documented the complaint and created a dispute case. I've also filed a dispute with XXXX
Product: Debt collection

Several letters were submitted, with FTC Identity theft report attached. 
Police report filed calls made to no resolve.