23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

upon viewing my credit report i notice that capital one has reported to my credit file that i was 30 days late on my payments in the months of XXXX and XXXX this information is inaccurate and incomplete and is in violation of the ( FAIR CREDIT REPORTING ACT ) 15 U.S.C 168I the reason this information is inaccurate and incomplete is becuase during the reported months of the alleged late payments i was not legally obligated to make any minimum payments, due to fact that there were unauthorized charges on my credit card that caused a balance, in which capital one applied credits to my account that reduced my enitre balance to XXXX XXXX at this point my monthly statement reflected that no minimum payments were due and in good faith capital one conducted and investigation regarding those claims and granted in my favor, there is no suggestion that i went an entire thirtys days late without making a payment, this information is false and misleading and inaccurate and has effected my financial reputation
Product: Student loan

I have already submitted a complaint regarding the factual issues with how my company has handled my income-based repayment plan. Please reference complaint ID XXXX. I am filing this complaint because I do not believe the original complaint was resolved and there was no continuation option other than to provide feedback which will not go anywhere. Despite the futility, I did submit feedback. 

This complaint will not focus on the facts of the exact nature of the original complaint, rather what was not addressed. The facts under the previous complaint demonstrated that my income of record did not match the advertisement and marketing puposes of the income-based repayment plan. The plans are supposed to move and dovetail with actual income, however, several factors indicate that is not the case. Nelent Inc. representatives even acknowledged that the most recent calculations could not be accurate. 

The allegations in this complaint is similar but is instead focused on the practices of Nelnet IncXXXX in application of the repayment plans.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX XXXX ( formerly known as XXXX XXXX  XXXX XXXX XXXX XXXX ) after discovering unauthorized credit inquiries on my credit report. These inquiries, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent and were associated with an unsolicited account. Concerned by these unexplained entries, I immediately requested proof of authorization and sought an explanation for these unauthorized credit inquiries. 
In my complaint, I emphasized the critical importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which regulates financial institutions. I urged these agencies to thoroughly investigate my case. 
Additionally, I requested that these agencies determine whether there is a broader issue at playspecifically, whether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could result in false or misleading information on credit reports. Such inaccuracies not only undermine consumer rights but also jeopardize the integrity of the entire credit reporting system.

By sharing my experience, I hope to raise awareness and assist others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. 
It is crucial to understand that a companys name must exactly match its legal registration, as outlined in official documents such as articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, the entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. 
Moreover, under Va. Code Ann . 8.9A-102 ( a ) ( 73 ) and Ind. Code 26-1-9.1-102 ( a ) ( 73 ), a secured party or creditors legal name must match exactly across all legal and financial documents, including credit reports, billing statements, and other associated records. If the legal name is not accurately reflected, it can result in significant legal and financial complications. Ensuring that the correct legal name appears on consumer credit reports is more than just a formalityit is a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am forwarding this complaint myself. There is no third party involved in this request. Regardless of the numerous written requests, the uncertified inquiries listed below are still reporting on my credit report in violation of Federal Law. Equifax Credit Bureau failed to follow with Fair Credit Reporting Act, 15 USC sections1681i within the period stated by law and pursued reporting of uncertified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Debt collection

Found a doctor bill on my credit report that that was sent to a collection center that should not be there, it should of been sent to my insurance company
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX SS # XXXX XXXX XXXX XXXX Greetings to whom it may concern, Please see all activity which is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of my credit report and inaccurate information on my account. This information is not mines and need to be addressed. Please correct information concerning all these accounts. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that are not mines and needs to be removed.

Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus.

Thank you for your cooperation. If you have any questions concerning this ma
tter I can be reached at phone number above.

Thanks in Advance
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on COMENITYCB/MYPLACERWDS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting

I found a gas bill in collections on my credit report. It is not mine, we have lived in the same apartment for 12.5 years and it is electric only. I disputed it with Equifax , the only credit agency that showed the bill. They said it 's mine because the collection agency gave them additional information. No one in California would know my information to be able to get a gas bill in my name unless they stole it somehow. No other credit in my name has been opened that I can see. My credit is spotless with no late payments and I would like this taken off my account. I am not sure how to prove it 's not mine since I have no documentation of any kind, having not opened this account.
Product: Checking or savings account

15 USC 6508 I have the right to opt out and that they have reported information and transactional history to early warning and check systems Per the FCRA as a Federal protected consumer of any and all authorizations. I the consumer may have given you written & unwritten. Verbal or non-verbal per 15usc 6802. Under 5 usc 522a you are not suppose to give my social security number to anyone that is not the federal government. 17cfr 424 all inquiries must be removed. Fair Credit Reporting Act of 1974 15usc1681 Inaccurate Reporting Non Public Personal Information 16crf 313.6 16 crf 313.7 15usc1602 Per the FCRA as as a federal protected consumer. Im now opting out any and all authroizations. I the consumer may have given you written & unwritten and verbal or non-verbal per 15usc 6802
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have a capital One credit card. Ive had this credit card line over 10 years. I recently had a late payment 0f {$25.00} on XX/XX/XXXX. I then paid {$240.00} on XX/XX/2020. at the time I was sick due to my XXXX and not working as much as I needed to, so I didn't have the minimum balance to pay on the credit card. this was also the beginning of the COVID-19 pandemic. I work for a majorXX/XX/XXXX and my hours had been drastically reduced along with me having to be off sick most days. once I received a check I put a significant amount on the credit card 4 days later. prior to that I had not been late in a long period of time.Ive contacted capital one on three different occasions asking for this late payment removed as a courtesy. I waited on hold two hours each time. The first agent told me it was not possible for them to remove the item ; which is not true. The next agent didn't even bother to assist me and was very rude.The third agent says she tried but the system would not allow her to remove it and she didn't know why. I no longer know what to do or who to speak with to resolve this. To show good faith I had the third agent put my account on auto pay to prevent a late payment from happening in the future. Even after doing that I was still left with the late payment on my account. I am a single mom trying to purchase my first home for me and my child, im working hard to settle my debts and get my credit in order. I am desperately asking for some assistance in doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

I received a collection notice from First Source, original creditor is  XXXX . I have disputed this account multiple times as I have no knowledge account and have requested   XXXX   provide validation of debt. Instead   XXXX    keeps selling the debt to different agencies and as soon as I ask for proof they sell it to another agency starting the dispute process all over again. The collection notice that First Source sent to me violates FCRA. This is the first notice I have ever received and it does not make a statement in the collection notice that I have the opportunity to dispute debt in writing. Please stop allcollection activity until debt is validated.
Product: Credit card

So with the previous complaint we thought we had a resolution that Aspire Credit Card agreed to a settlement but still continued to charge me. and now I`m am getting ready to pay them on Monday for the settlement amount and they are claiming they know nothing about it So now I want to file another complaint and actually want something done about it. Now i want a 75 % settlement for the negligence and stupidity of the Aspire staff and disrespect from them. I`m sick and tired of the same answers i get from them.
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. 

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 disputed these medical collections XXXX and XXXX XXXX   in XX/XX/2018 and XX/XX/2018 and they came back with my personal information including my test results. I did not give the hospital permission to release my personal information such as specific treatment and etc outside or basic collecting information. Which is a HIPAA violation and a violation of the FCRA.
Product: Student loan

im a former XXXX student in XXXX MA. i took out a loan i was promised job placement and never received it. now im stuck with a loan that i can not pay back. please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accepted a solicited offer by TransUnion for their XXXX XXXX membership. It was a trial than {$9.00} monthly. I can not cancel the membership, there is no link to cancel, I have been trying to cancel for months. TransUnion has a fake link to cancel my membership, because when I click on this link there is nothing. I have tried this dozens of times for months. If you do a simple google search there are complaints about this. The only other option to cancel is to call. I have tried this, I am forced to wait on long holds and when I get an agent they can not speak english well and my hearing is already challenged. The agent gives these long unnecessary ramblings and attempts to solicit me more. I was frustrated and hung up. This seems like a CLASS ACTION. waiting to happen.
Product: Vehicle loan or lease

I formerly filed a complaint in late XXXX XXXX about capital one not giving me credit for a payment they accepted on XXXX XXXX XXXX. Where they posted a bill I paid that bill and they took their interest from that payment. The bill was for XX/XX/XXXX. The only response I recieved back was a copy of my contract on how I can't make any payments over 90 days in advance. They told me my payment wasn't for the XX/XX/XXXX payment and after arguing with them they gave me my interest back and applied it to the principle. I asked the manager on the phone '' When can I make XXXX 's payment? '' I was told in about 3 business days. I made XXXX 's payment on XX/XX/XXXX which when my payment cleared the whole payment was applied to interest! They stated that they collected interest every day since my last payment on XX/XX/XXXX. My first complaint is how if my payment shows up as a payment on my app with interest taken out how am I supposed to know that that payment " technically '' wasn't accepted as a payment until I brought this whole problem to their attention while I was waiting to get XXXX 's bill. My due date never changed which prompted me to call. And even after that matter was resolved finally on XX/XX/XXXX I still wasn't able to make that payment for 3 additional days. If I can't make a payment because of their error how can they charge me interest? And second they charged me interest on the additional XXXX that " should '' have been applied to my principle if they are stating it wasn't a payment. Which was their interest they collected then returned on XX/XX/XXXX. I feel customer service when I spoke to them just wanted to be right and had no concern for the customer. The manager I complained to even made it aware that not only were they taking XXXX 's payment as an interest payment I still owed them 24 more dollars! I treated with disrespect when she called me " dude '' over the phone because I'm standing up for what I think is right. I asked to speak with her manager and she threw the " well the only person higher than me would be the president of our division. Would you like to speak to him? '' I said ABSOLUTELY and when she put me on hold for 15 minutes she came back with a more respectable attitude and she told me she would take my number so " he '' could call me back in XXXX to XXXX hours.
Product: Credit card or prepaid card

When I called up late in 2020 to resolve another issue, the Discover representative noted a recurring charge on my account. We looked into this further as I should not have ANY recurring charges - as i never allow them. It turns out the company - XXXX XXXX - a firm that I never used or gave permission to bill me - had been billing me {$16.00} on my card. ( When I looked on line, XXXX has pages and pages of complaints on this very issue, and a class action law suit against them for this. ) To avoid further fraudulent charges, I canceled this card, and got a new one with a different number. In addition, Discover started a fraud investigation. However, they did not back me up on this case and said that i did not prove fraud - even though i do not know who this company was, never knowingly gave them my information, and never received any services from them. Further, Discover said that the fact that this company was known as a fraudulent enterprise was irrelevant, something which i found incredible, as it went to the crux of the issue - particularly as they now have ads on TV touting Discover Cards commitment to combating fraudulent charges. While I understand it is not their sole responsibility to monitor my account - it is unnerving to know that I am " in it alone '' in dealing with this. A consider their actions in this to be disingenuous and unhelpful. Having been a customer for nearly 3 decades and having had great relationship in the past, i was deeply disappointed. I no longer trust Discover and will be cancelling my account. In addition, I am contacting my attorney to check on other possible actions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, MO XXXX XX/XX/year> Attn : Equifax Fraud Division On XX/XX/year>, I, XXXX XXXX, assert that I have fallen victim to identity theft, elucidated by a series of events, and do hereby state the following is true. 

I have a history of being a victim of fraud, as evidenced by my previous FTC complaint # XXXX. Currently, I am a victim of fraud again and have filed a new complaint # XXXX involving the following accounts and inquiries that were fraudulently obtained under my name. I am seeking to have this information removed from my identity. 

Accounts : - XXXX XXXX : - Beginning : # XXXX - Ending : # XXXX - Date : XX/XX/year> - Amount : {$5500.00} Inquiries : XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXX : XX/XX/year> - XXXX XXXX : XX/XX/year> - XXXX XXXX ( Request Originator : XXXX XXXX  ) : XX/XX/year> My current address is XXXX XXXX XXXX, XXXX, MO XXXX. 

Disputed Inquiries ID : # XXXX On XX/XX/year>, I spoke with a representative at Equifax who stated there are no negative items on my report ; however, the My.equifax.com site shows one. 

Thank you for your prompt attention to this matter. 

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

My credit is being messed up again afyer fixing it the last tiem and having loans taken off that were over XXXX XXXX XXXX and I have been XXXX for 10 years and haven't taken out any loans or been to school during this tiem. I had been forgiven due to XXXX and even the first round of relief I was forgiven as well. Now this new company edfinancial is harassing me and kot helping at all and made up amounts dates etc and refused to send me any information or even tell me how to log in and dispute anything. I've emailed multiple times and give information and proof and done everything asked of me and jow today on a Sunday I get email saying it's back on my transunion repot and only XXXX XXXX XXXX ... ..how is this possible? Even XXXX ago there was a pause on everyone 's payme to due to covid so how can I be responsible for any of this or the illegal intrestthey added during this time and never show em anything or speak to meor send me paperwork or proof when I ask for it. I am a XXXX single mother and I have XXXX as well so I don't deserve this run around and off XXXX on again with no answers this company is horrendous and mistreat everyone lies and ruins lives. I want help asap with this and for them to pay for their actions again myself and many others in the same boat. How is this legal? Another company can not without notifying you buy up debt and come after you yet here I am again 2 years later still figing when I wS forgiven
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX 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 in 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. 

XXXX XXXX XXXX XXXX XXXX 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