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

Transunion, XXXX, and XXXX continue to report inaccurate information on my consumer account listed XXXX XXXX XXXX Account # : XXXX. There is several inconsistencies listed among the reporting agencies listed below. Furthermore, federal law states any consumer account with a balance over a {$1.00} is due to the consumer therefore the account can not be in collections or charged off. 

Once an acount is charged off it is considered income and can not be reported per the IRS. 

- If there is a balance of credit or insurance of the account in connection to a consumer credit transaction with a surplus over XXXX dollar, this account should be credited in the amount of the credit balance, upon request, the remaining balance of the amount should be refunded to the consumer, by cash, check, or money order. The amount can not be known without knowing the journal and legder entires of the account from the date of account opening as described in Publication IRS 583.

Account Type - Detail : Credit Card Credit Card - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$520.00} {$0.00} {$350.00} Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Sold to : XXXX XXXX XXXX Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting

I have disputed several reports on my Equifax credit report. After repeated request for Equifax to mail me an up to date credit report showing the corrections that were made and my current credit score they have failed to comply with my request.
Product: Credit reporting or other personal consumer reports

In accondance with the fair credit reporting act the list of accounts below has been viotated my federally protected consumer right to privacy and cinfidentiaty under 15usc 168115 U.S.C. 1681 section 602 A states that individuals have the right to privacy. The Fair Credit Reporting Act ( FCRA ) governs access to consumer credit report records and promotes accuracy, fairness, and privacy of personal information. 15 U.S.C 1681 Section 604 A Section 2 : 15 U.S.C. 1681 Section 604 A Section 2 states that consumer reporting agencies ( CRAs ) can not furnish a consumer report without the consumer 's written instructions.

The Fair Credit Reporting Act ( FCRA ) requires that CRAs adopt procedures that are fair and equitable to consumers. The FCRA also requires that CRAs provide notice to users of consumer reports of their legal obligations.

The FCRA states that inaccurate credit reports can impair the efficiency of the banking system. Unfair credit reporting methods can undermine public confidence, which is essential to the ban
king systeI And item repreat by more then XXXX years XXXX XXXX XXXX XXXX account number XXXX last acitivty date is inaccuate XXXX XXXX XXXX XXXX XXXXXXXX remarks are inaccuate XXXX XXXX XXXX court is inaccuate show up on two of the credit reporting but the thrid XXXX XXXX XXXX XXXXXXXX the amount due is wrong And the rest are either showing up on one and not the other This has really put stop on me getting a houses or car I need and you can see all the inaccurates on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to buy my XXXX yr old son a new car for his birthda. I got my credit pulled at the dealership. There was stuff on my credit that I have never seen before. Please remove these things from my credit.
Product: Credit reporting

On XXXX XXXX, XXXX, my home was foreclosed on. The first month of delinquency was XXXX XXXX for the XXXX and XXXX mortgages. The derogatory information remained on my credit reports for 7 years from that date of first delinquency and fell off XX/XX/XXXX. Last month XX/XX/XXXX, XXXX XXXX XXXX re-inserted the XXXX mortgage on my Equifax and XXXX credit reports with new inaccurate information. I disputed this inaccurate information with Equifax and XXXX on XXXX/XXXX/XXXX. I also sent XXXX XXXX XXXX a certified letter with return receipt demanding validation. I still have not received any supporting data for this debt but Equifax has already closed the dispute stating that the account has been verified. Equifax allowed the creditor to re-age the last activity for XX/XX/XXXX. The home was foreclosed on in XX/XX/XXXX, so it is impossible for any activity to have occurred after that date. I sent in all of the supporting data showing that the re-insertion was an old debt from a foreclosure from XX/XX/XXXX and they have ignored my requests to delete. Equifax has failed to remain bias and properly investigate my dispute. I sent in a third dispute letter on XXXX/XXXX/XXXX certified with return receipt, with a copy of the foreclosure documents. I feel very helpless in this matter and that the acts of XXXX XXXX XXXX and Equifax are unethical and violating my rights to fair credit reporting. The derogatory information remained on my credit report for the 7 year length that the law allows and XXXX XXXX XXXX and Equifax should not be allowed to continue to penalize me for this old debt. I am asking for your help with justice in this matter. I have enclosed all supporting documentation for your review.
Product: Student loan

Hello, I have been trying to get my plan lowered. I initially mailed the documentation with all of the questions answered proof of income etc. Two months ago and per Nelnet I did not sign the documents. So Nelenet send me an email telling me this and sends the documents back prefilled and tells me I just need to sign and return. I did this the same day. I was under the assumption the documentation from the first round combined with the signature from the second round would be sufficient to process my request. 

So today I get another email from them saying now I need to answered the questions again which I have already one on two different occasions. So keep in mind I am sending this request because I can't afford the payments and each time they are telling me to wait it is ok please give them 15-20 days to respond. Keep in mind they report items after a certain time frame. 

One would assume that once they receive all documents it would be processed because I meet the requirements. Returned the documents twice. Now a third time and not only has this not been processed but also they have hit my credit report with a 90 day delinquency. Which in my opinion if you are sending the documents. I am complying with their requests my account should not be reported until this is resolved. 

So not only have you not processed my request but made my credit score take a hit and that is not fair on my end when I have complied and sent back the info.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank has placed a delinquent status on my credit reports. This information is inaccurate. It was placed on XX/XX/2012. This is affecting my ability to obtain credit and hurting my credit scores tremendously.
Product: Credit reporting or other personal consumer reports

I reported account as fraudulent to XXXX as well to TransUnion and XXXX XXXX XXXX. Account continues to be reported on my credit report even as I sent in dispute asking account to be investigated in accordance with FCRA. I ask for all original contracts and disclosure forms with my wet ink signature which all companies have fell to produce. As well as giving a detailed description on steps taken to show how account was verified other than creditor saying it has been which is in violation of FCRA. I have requested account to be investigated twice with same results. Ive attached the consumer law codes with every request that backs up everything I said but account keeps coming back verified
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting 2 credit card accounts as " Card Over Limit ''. One of  these is a XXXX XXXX  and the other is a XXXX XXXX XXXX. I have contacted both XXXX and XXXX XXXX  and both of these banks have told me that neither card is " Over Limit ''. Both cards are currently at their limit, but not " Over Limit '' and both banks have told me they are not reporting the cards as " Over Limit ''. My credit score has crashed from XXXX to XXXX in the last 30 days. I have contacted XXXX and they are doing nothing to correct these errors.
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. 

and list of Inquiries. 

XXXXXXXX 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: Credit card or prepaid card

I contacted Citicards XX/XX/19 to dispute a charge on my card Basically a car importer extorted money out of me by requiring me to pay damage that was done by the company on my vehicle before giving me the title. They would not give me the title unless I paid the money that came up with. They also did not complete the work done that they charged me including fixing the paint, fixing the headiner and the dash. They also did not deliver the vehicle to my home which was on the contract. They did this because they decided not to ship it to me and they also didnt want me to inspect the vehicle unless they were paid. 
I also specifically asked for my original equipment back that was removed from the vehicle but they kept the parts which is illegal in the state this happened. 
I disputed this by providing the above info and offered to provide any evidence they need but they declined the dispute and sided with the seller. 
They sent me an attachment with the companies response but no other support nor did they ask for my evidence. I have attached their response below Please help me with this problem
Product: Credit card or prepaid card

Everytime that I used my card to make a purchase while overseas and or repeating usage with same merchant, and or a foreign company with offices either in the USA or abroad, they deny the charge for my security and precaution, I have spoken to customer service in the past and they committed to stop these action and asking for verification each time and will let the charge go thru. However they never did anything, this morning I made a charge on XXXXXXXX from my computer online, and they rejected the charge, sent a message if indeed I did it, I said yes, however I lost the purchase and the merchant suspect fraud, now the merchant will not accept my card, and the items cost way more. 

At this point CapitalOne is harassing for charges made overseas, this was a charge for under {$50.00}, its no longer a issue of security since I asked several times, I charge oftern overseas and the amounts were {$50.00} I dont want this harassment and so called protection, they are not protecting me but hurting. 

At least they should be for damages,
Product: Credit card or prepaid card

In XX/XX/XXXX, Ollo Card / Ally suddenly and randomly charged me a {$39.00} annual fee, which when I signed up for my Ollo Rewards Card with Ollo the terms clearly stated No Annual Fee. After I reported this to Ollo as well as her to the CFPB, Ollo Card / Ally reversed/refunded the {$39.00} annual fee, but I was also charged a late fee of {$29.00} on the same day XX/XX/XXXX / XX/XX/XXXX as the now reversed/refunded {$39.00} annual fee. This {$29.00} late fee has yet as of the writing of this complaint today been refunded. I send online direct communications to Ollo Card / Ally through secure messaging and uploaded proof of these charge ( s ) securely through being logged in to my Ollo Rewards Card account on www.ollocard.com. Please have refund the {$29.00} late fee as you have already done with the {$39.00} Annual Fee in error they charged. As well as revert my percentage rate back to what it was before the {$10.00} no interest payments plan setup up around 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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 XXXX 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: Mortgage

XXXX who funds the morgage? 

XXXX I fund the morgage. 

XXXX I am the creditor when I create the note. 

XXXX The whole world operates under double entry book keeping. The double book keeping system for every entry we have a debit and a credit of equal value. Every transaction is required to have a debtor and creditor to balance it out. The asset on the books has a equal liability. The morgagey takes the position as the creditor by issuing me a check. The bank never told me that I was the one who funded that check by issuing me the credit thru the note in the first place. The bank is hiding that part of the transaction from me. I was paying as the debtor that side of the transaction. I am not receiving as the creditor this is not a fully functioning bookkeeping system operations. We need to correct that. Unfortunately we signed a agreement to make payments on the surface is a contract .Sounds like fraud to me. The contract was based on fraud so its null and void. The note that I created when I signed the note for the mortgage created funds on a ledger in an account. I am going to liquidate this account. I am the creditor not you. I need to receive the compensation for that. I received the loan but I did not get the money for the credit that I issued. This process has tax issues like tax publications 334 which is tax guide for small businesses I am looked at as a sole proprietor by the Irs in this business that I created. The business I created was I issued credits and I should be receiving payments. Title 26 usc 671-679 grantors and others who were treated as owners. This is based on law and tax policies by the Irs. I am the owner of the note in docourse and I am claiming my asset. I can also do a ucc 11 search.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested proof of ownership, with any documents bearing my signature as proof and all I received was an itemized bill. Then On XX/XX/2019 it was removed from my credit report, only to see it back on my credit reports and I am again receiving letters and phone calls regarding this bill.
Product: Debt collection

the exact same, everyday i power off my device, and this # XXXX is the first number to call with out fail, even though i have this number blocked through other means it still calls, and from that point throughout the day it calls. this has become an issue that is now disturbing my peace, and i would like it to stop
Product: Credit reporting or other personal consumer reports

I paid the full amount of {$190.00} to XXXX XXXX and the account is closed. They still managed to report my account as delinquent to Experian, XXXX, XXXX and XXXX XXXX. As a result my credit scores dropped by XXXX points. XXXX XXXX used a company called XXXX XXXX XXXX to file a false report to the credit bureaus. 

Also, Experian still has my score at XXXX even though I have paid off all my debts. XXXX, XXXX and even XXXX XXXX gave me a very good score for paying my debt. But not Experian. I do not have any confidence anymore in their credit reporting dduties. They also have the wrong information on file for me.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items Need Attention : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$240.00} Late/Open XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$24000.00} Late/Open XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$5800.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$24000.00} Late/Open XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$5800.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$240.00} Late/Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$24000.00} Late/Open XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5800.00} Charged off XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX : {$240.00} Late/Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my report and also have a fraudulent freeze due to fraudulent activity before and identify theft and its a lot of unauthorized inquiries on my account I reached out to the creditor and still no progress
Product: Student loan

When my loan was transferred Navient, I soon lost the ability to sign into my online account. I live and work overseas so paying online is the primary way I make payments and check my balances. 
They say there is a 'fraud ' alert on my account, but do not say why. The only way I can remove this 'fraud ' hold is to make 6 consecutive ontime monthly payments. If I miss one, the 6 month clock starts again. These might not seem like a huge hurdle, but when you live overseas and can only pay by calling them during business hours, it actually is onerous. Further, if I do n't persist in having the fee waved each month, Navient charges a phone payment fee. I think this is an unfair business practice that creates a situation where their poor customer service is likely to gain them revenue in the form of late fees, phone payment fees and the like.