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

Pursuants to 15 USC 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. i never gave written consent to report anything on my consumer report. No consent is identity theft! I sent in detailed letters on XX/XX/2022 explaining that there is unauthorized Inquiries on my consumer report and not only are my rights being violated they are not in compliance with the FCRA. It has been 60 days since the letters were sent out and these unauthorized items are still on my consumer report. Seeing these items furnished on my report without my consent is causing me to lose confidence in the banking system and if they are not removed I will not allow XXXX or Transunion to furnish a report for me and I would not like to do business with them anymore.
Product: Student loan

I have been working toward Public Service Loan Forgiveness, and have been working at the same eligible employer ( a public 4-year university ) since XXXX of XXXX. I have been regularly submitting employment certification forms in order to maintain a real-time tally of the number of qualifying payments made toward my total required count of 120. Currently, my payment counts on all but two of my loans are 118 ( the remaining 2 are 119 ) but only 115 ( and 116 for the two outliers ) have been logged as qualifying, and I contacted them today ( XXXX ) about a three-month period XXXX XXXX XXXX that has been left off my totals even though I provided them with an employment certification form for that time frame in XX/XX/XXXX. I was told that those qualifying payments were still under review by an outside entity, and they could not give me a timeframe for when they would be added to my payment count, even though I have submitted employment certification forms afterward that should retroactively reflect my continuing employment eligibility. I am concerned that this will not be resolved by the time I reach my 120 qualifying payment requirement in XXXX, and that this will delay the approval of my final PSLF Loan Forgiveness application.
Product: Student loan

I attended XXXX University, XXXX, KS to receive my XXXX degree. I have been paying on my student loan since 2006. We were making our payments and expected that some of the money would be applied toward the principle of the loan. The loan service company kept increasing my payment amount. We kept making payments. I taught at a high risk school XXXX XXXX  for 5 years and applied for the loan forgiveness. This was never applied to my loan from my school district and they said my loan didn't qualify. A few years later, I got sick with XXXX and again the loan amounts kept increasing. We were trying to juggle payments of medical expenses with the expense of my school loan. I then asked for a forbearance time on the loan. At this time, we found out that no monies has ever been applied to the principle of the student loan. It is still the exact same amount that it was in 2006 when I started making payments to this loan. When I have asked them about why there is no money being paid to the principle they said the loan terms can not be changed. I told them that doesn't even make sense. When you apply for a car loan or house loan you pay interest and principle with gradual reduction of interest amount and more money being applied to the principle throughout the age of the loan. They said nope, that is not how this loan works. They have no intention of this loan ever being paid off. The only thing they are interested is the interest. They keep increasing the payments of interest. That is the only thing that keeps changing with the loan. I have told them I am not interested in making payments to them until they stop charging me interest and apply the money to the principle. I have previously paid off a student loan for my first degree and was paid off within a couple years. This is ridiculous. There will never be any resolve to this. Also, when the president proclaimed to stop interest on student loans, again their response was that my loan did not qualify and that I still need to keep making their outrageous payments. This loan is due to a XXXX  degree that I can no longer use. I am no longer able to teach due to XXXX treatments and health issues. I need some help due to my illness and also resolving the issue that all that money we paid for 15 years and the money my school district paid for loan forgiveness that was not applied to the loan. This is all fraud. This loan is through American Education Services. I feel they have been fraudulent and I have paid excessive interest amounts. This loan should have been paid off years ago if they had stuck to the original terms and percentages. They say the terms can not change, yet they have changed the terms to higher and higher percentages and no money has ever been applied to the principle. There are 2 parts to the loan. Loan 1, XXXX, {$11000.00} and Loan 2, XXXX, {$11000.00}.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX XXXX  Account # : XXXX, XXXX XXXX  Account # : XXXX, XXXX/XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX  ( Original Creditor : 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 or other personal consumer reports

ive disputed this numerous times that this is a fraudulent account with XXXX XXXX  and previously Sent a fraud report per the law fcra section 605b this account should be deleted within 4 days and that time has surpassed I'm asking the credit beaurus remove XXXX XXXX  credit card immediately.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal from Collections, Due to bad practices. 

Dear Consumer Financial Protection Bureau, I am writing to formally address an urgent matter regarding my credit report and the impact of XXXX XXXX on my financial standing. My personal information and account information, which has adversely affected my credit and led to the involvement of several collection agencies. Due to Aggressive and threatening collection practices with previous help from the cfpb. They have ceased and desist and closed the account due to the threatening of incarcerated  me by one of their agent agents they have sent me apology emails and said that they were closed the account with no late payments or etc.. The account was also to be removed as agreed from my credit profile that has not been done since XXXX 

I am writing to formally demand the immediate removal of the collection account related to the debt referenced in your previous communications, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Despite my previous requests for removal of this debt, XXXX XXXX has failed to provide the necessary documentation to substantiate its legitimacy to not remove the account of credit reports to remove the negative reporting status. I have given ample time and opportunity for this collection to be removed from all reporting credit bears, and since this has not been done, I will not accept any hold on this debt any longer being placed on my credit report. 

This debt must be removed from my credit report immediately. If it is not removed within the next 10 days, I will have no choice but to involve my legal counsel, who will seek damages and compensation for the mental anguish caused by this situation, as well as the inability to receive credit services due to your reporting to the credit bureaus. 

Please consider this letter a final notice to rectify this matter. I expect your prompt attention to this issue and a confirmation of the removal of this debt from my credit report. 

Specifically, I am requesting immediate removal from the following collections : XXXX XXXX XXXX Due to the unauthorized access to my personal information, I believe that these collection is a direct result of XXXXXXXX XXXX doing what they agreed, Also this does not accurately reflect my financial behavior. I have taken steps to secured my credit integrity and credit worthiness to the appropriate authorities Cfpb and all credit reporting agencies? Still the account has not been removed. 

I kindly ask for your assistance in rectifying this situation as soon as possible. Please let me know if you require any further information or documentation to process my request. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

i am listing XXXX inquiries Fraudulent from my Transunion Credit Report. XXXX XXXX XXXX XXXX XXXX XXXX Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an indentity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.
Product: Credit reporting or other personal consumer reports

I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Debt collection

Lived in an apartment complex moved out at the end of lease they charged me with charges that were no suppossed to be charged. Disputed with the apartment complex they sentit to a collection agency who also reaged the debt
Product: Payday loan, title loan, personal loan, or advance loan

I contacted company because they took money from my wifes bank account. They agreed to stop this and refund money that was withdrawn.Still no refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous dispute with XXXX ( XXXX XXXX credit card account ). I mentioned that I was an authorized user on XXXX XXXX 's account. This account entry was removed from my XXXX  and XXXX  reports without either consent and had not been updated on XXXX since XX/XX/2018. In the letter dated, XX/XX/2018, from XXXX, they specifically stated that they would submit a request to the credit reporting agencies, XXXX, XXXX and XXXX to request this account appear on my credit profile. It has been well over 60 days and my reports are not updated. This account has not been added to my XXXX nor XXXX report. This is unacceptable and is poor customer service on behalf of this company. Being that XXXX XXXX XXXX see attached letter XXXX, with the XXXX XXXX XXXX, provided this acknowledgment and is yet to fulfill is very questionable about the practices of this company. This is deceit to the fullest as they have not reported to the bureaus for them to update my profiles accordingly and I am therefore suffering pecuniary consequences. 

Update my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not enough information to verify debt : In XXXX, XXXX and XXXX of 2019 I  requested an investigation be conducted by the credit bureaus of an alleged debt owed by me. Account # XXXX in the amount of {$810.00}. A proper investigation according to the FAIR CREDIT REPORTING ACT section 609 ( a ) ( 1 ) ( A ) requires verification through the PHYSICAL verification of an original signed consumer contract and not an Electronic or XXXX  verification under which a lot of investigations are being conducted. This software has limitations when it comes to conducting a proper investigation of records. To which I have recieved verified as accurate without recieving the documentation that I have requested which I am entitled to by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a XXXX XXXX credit card in XXXX of 2011 when purchasing a toaster oven online and returned the oven when it malfunctioned for a full refund. Instead the credit card statement showed a balance due of {$5.00}. I wrote the bank - XXXX  of Ohio the issuer of the card about this but they refused to do anything. Over time the balance grew to {$44.00}. 
XXXX  reports this account delinquent and my credit report is now bad. Several bank card companies have reduced their credit lines to me referencing this delinquency. 
Last month XXXX sent a letter saying that as I have a " good payment history '' they forgave {$30.00} of the amount shown past due. My current statement now shows a balance due of {$15.00}. Thus over five months the incorrect {$5.00} has increased by {$10.00} all of which is the $ XXXX  monthly minimum interest fee times 5!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX and 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.
Product: Vehicle loan or lease

Last year, I purchased a car from XXXX XXXX XXXX in XXXX, GA. It had noticeable flaws like body damage, a lit check engine light, and engine noises. Despite these issues, I trusted XXXX XXXX promise to fix them after the purchase, and with my wife co-signing, I proceeded with the transaction. 

However, XXXX failed to fulfill his promises, providing excuses for the unresolved repairs during my multiple visits there. The car experienced persistent overheating and stalling issues, leading me to seek repairs from various mechanics. Despite spending thousands of dollars on repairs, the car 's problems persisted. 

Eventually, the head gasket blew. I later discovered that the car had 32 recalls, some related to overheating problems. I feel that I never should have been sold a car with that many recalls. 

My attempts to maintain the car 's functionality drained my finances and had a significant impact on my livelihood. As someone with limited income from XXXX and occasional XXXX XXXX I struggled to manage car payments, insurance, and repairs. This financial strain caused both my wife 's and my credit scores to drop, affecting our financial stability and personal lives. 

Hoping for a positive resolution, I appealed to Westlake Portfolio Management, the lienholder, for loan forgiveness and the removal of negative credit information. I explained that I had a letter with attached receipts serving as evidence of the recurring problems and the financial toll they took. I communicated the extent of my hardship and requested empathy and understanding, seeking relief and an opportunity to rebuild my life. 

Westlake instructed me to send the letter via certified mail, which I promptly did, receiving confirmation of its delivery. However, despite numerous calls, Westlake claimed not to have received it. They then suggested sending it via fax, which I did, but even after confirming its transmission, Westlake continued to deny receiving it.

Shortly afterward, they repossessed the car without attempting to respond to my letter and work out a solution. I feel they maneuvered to delay the process only to repossess the car, leaving me with the impression of their underhanded tactics. 

I appreciate whatever help you can give me with this matter.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate XXXX XXXX  account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure of these accounts with XXXX XXXX XXXX XXXX and XXXX. These accounts are unfamiliar to me and I don't remember having any agreement with them. These were reported in EQUIFAX so I believed EQUIFAX was not able to investigate this account promptly. Please supply any signed agreement with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX continue to report an unverified Account to my credit report and are in violation for NOT investigating this with the furnisher! XXXX is furnishing information that does NOT belong to me and are in violation of HIPPA laws for releasing personal information that is NOT mine! 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There were few hard Inquires reported on my credit without my consent, So reporting them to please remove from my file. 

Thanks.
Product: Credit reporting or other personal consumer reports

I saw a 30 day late payments on my XXXX XXXX XXXXXXXX XXXX Credit Card account today which is inaccurate. I called in to see about the late payment and I was told that I hadn't made a payment since XXXX. If this was true, since this is now XXXX, the payment would definitely be more than 30 days late, maybe even 60 days late. So they aren't reporting correctly. I believe that automated system has a glitch in the system because of the way it was behaving today while I was on the phone. All 3 companies, XXXX, XXXX and Transunion are data furnishers who definitely reported inaccurate information as well, that I never gave them permission to even report. My signature isn't even on any paperwork giving them the authority to report any of my personal information. On today, XX/XX/year>, I was told over the phone by a representative that my next payment was due in XXXX. But when I listened to the automated system, it says that my next payment is due on XX/XX/XXXX and that I owe {$160.00}. So because I didn't want another late payment to go on my report because I didn't trust what the representative was saying, I did try to make that payment this morning because I don't trust them or the automated system now. However, I when made an attempt to make the payment since it's so close to the XXXX, the automated phone system said it was having technical issues and difficulties today today and I was unable to make a payment by automated means or by a representative over the phone. I have every reason to believe that when I made payments in XXXX and XXXX that there could have been issues with the automated phone system where it XXXX not have worked correctly, because it definitely isn't working properly as of today. My payment is current and up to date. My credit reports were stellar before this incident. Now my credit scores have dropped due to this fiasco. The late payment that showed, said that it is {$110.00} past due as of XX/XX/year>, and I made a {$200.00} payment on XX/XX/XXXX. So I am definitely current. Now on these facts alone, I am requesting that the late payment that shows across all XXXX companies that furnished their data be required to update the XXXX XXXX  XXXX XXXX late payment to paid as agreed and have the late payments to be removed from all XXXX data furnishers... XXXX, TransUnion and XXXX. The automated phone service and representatives don't have accurate or adequate reporting information and they aren't reporting correctly either. Nothing is adding up and I shouldn't be made to suffer the consequences from these actions. XXXX, XXXX, and Transunion are also reporting inaccurate information. The FCRA states that I have the right to dispute any inaccurate information reporting erroneously, and it shall be removed promptly. I'm requesting that all records pertaining to my XXXX XXXX XXXX Credit card account should be updated as paid as agreed with no late payment showing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting for XXXX XXXX Report, original signed contracts from consenting, and signed permissible purpose documents from that the agency is supposed to keep on file. 

Please see attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX Placed an unauthorized inquiries on my report On XXXX XXXX XXXX XXXX XXXX placed an unauthorized inquiry on my report On XX/XX/XXXX XXXX  XXXX XXXX  placed an unauthorized inquiry on my report On XX/XX/XXXX XXXX XXXX placed an unauthorized inquiry on report On XX/XX/XXXX XXXX XXXX  XXXX XXXX placed an unauthorized inquiry on my report