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

For 2 years equifax has been showing an account in collections and owing a balance of {$2400.00}, which I paid off. All other reporting agencies have updated but this one. I have filed disputes numerous times over the years, providing receipts & settlement letters to no avail. Now they are suddenly showing me owing a balance on an account I paid off in XX/XX/XXXX. Their report even shows me owing a XXXX  balance all through XX/XX/XXXX until now, but now they claim that I suddenly owe {$1700.00}. No other reporting agency is showing me owing a balance on either of these accounts, just equifax. So since Ive had no luck filing disputes with them in the past, them getting hacked, losing my information, covering it up, then trying to get me to pay for credit monitoring due to their error, and now them claiming I owe money on an account they show had a {$0.00} balance on last month, thats the final straw. Since me working with them hasnt worked, Im trying something different in the hopes of finally resolving this and getting my credit score where it should be in the one reporting agency that it lags. I have attached a copy of the settlement letter showing that I paid off what equifax says I owe and is in collections ( Ive provided this multiple times to equifax ). I also included screenshots of what equifax shows for my credit report vice what other reporting agencies say. You will find that they all show XXXX balances and that these things were resolved years ago where as equifax refuses to update the information to show the correct and up to date data. Thanks for your time and consideration.
Product: Student loan

XX/XX/XXXX and XX/XX/XXXX EdFinancial has XXXX loans listed that are being marked as 120 days past due. XX/XX/XXXX they sold these XXXX accounts to XXXX who are ACCURATELY reporting the loans as current for those months. I possess XXXX students loans and none of them have entered repayment ever as I have been a XXXX since XX/XX/XXXX and had periods of XXXX. I tried to explain this to them and even offered my enrollment history from the NLSDS site which covers the timeframe in question. They have refused to accept this as proof I was enrolled. Meanwhile this just hit my credit report today reported by Transunion as a deliquency. EDFINANCIAL cant report on them because they dont own the loans, but they have never been in repayment. They have been uncooperative and refuse my verification proof.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and noticed some inquiries that I have no knowledge of nor did I give my permission The following inquiries are a result of fraud please delete immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I entered into a forbearance plan with XXXX XXXX XXXX for the months of XXXX XXXX XXXX XXXX XXXX XXXX The approval letter stayed that the forbearance period would end on XX/XX/year>. 

I made several payments prior to the end of the forbearance period and my account was brought completely current on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX is reporting a 30 day late payment for XX/XX/year> that they refuse to remove. 

I spoke with several representatives who assured me the account would not be considered late unless payment was made 30 days AFTER the end of my forbearance. I appealed to the executive office and they stated the terms of the approval specified that if all payments were not brought current prior to the expiration of the forbearance it would be considered late however, it is not stated in any written paperwork. Furthermore several representatives told me this was false on multiple recorded conversations.
Product: Student loan

I received a student loan through wells Fargo. When I graduated that is when I started to make payments. But they kept on adding fees on my payments, there were a few times where where I called in my grace period to make a payment as my paychecks fell later in the month but the customer service was horrible, would n't work with me, added those fees. Then about 7 to 8 months into making my payments, the last day of my grace period landed on a Sunday, I got paid on Monday. I called the previous Friday where they confirmed I could pay the loan no problem. I called on Monday and they placed my loan in collections. I pleaded for them to take it out of collections and they would n't budge. They stated that it would n't accrue interest while in collections either but it screwed up my credit big time.
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 Account Number XXXX XXXX Account Name XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

On XX/XX/2019, I sold a leased Vehicle to XXXX XXXX XXXX and in return purchased a vehicle from XXXX. They were supposed to send a buy-out check to the lease company, U.S. Bank. XXXX took roughly 5 months to send a buy out check, resulting in default in payment to US Bank on my behalf. I have contacted The XXXX  for this matter to help fix the issue. After my credit has been ruined, and check finally received, according to credit report agencies I have a late payment to US Bank in XX/XX/2019, however, vehicle was sold in XX/XX/2019. I have contacted XXXX XXXX, but one one ever reached out to me. Ive contacted US bank, the issue was never resolved. Ive done multiple credit disputes between the bureaus, but nothing has been fixed and they will not allow me to dispute it anymore. It has been very hard for me with my credit being ruined.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX and XXXX reporting last payment date of XXXX. I never had any credit cards in default since XXXX. All cards paid in full and closed in the year XXXX. They deliberately moved the last payment date to the year XXXX so that I will be rejected for the low income cooperative. I was rejected for the low income cooperatives loan because of this falsified information. I am serving court documents to have you all appear in court. See attached seven reportings of credit cards last payment in XXXX. Double reportings with different account numbers
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  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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 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 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: Debt collection

XXXX say they need number XXXX  acct # XXXX amount {$910.00} XXXX XXXX XXXX acct XXXX XXXX amount {$660.00} XXXX XXXX XXXX  acct XXXX XXXX amount {$640.00} reporting same acct two different amount XXXX XXXX  acct # XXXX chargeoff XXXX origanal credit XXXX bal XXXX that what reporting on my credit jefferson capital reporting as a debt buyer never heard of them acct # XXXX amount {$670.00} jefferson capital acct # XXXX who are they or they license in sc send me a copy
Product: Credit reporting or other personal consumer reports

Accounts : XXXX, XXXX I am filing a complaint against XXXX XXXX XXXX XXXX XXXX ( XXXX ), EXPERIAN, XXXX, XXXX for inaccurate reporting of a charged-off debt, violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), the Privacy Act of XXXX, and the Gramm-Leach-Bliley Act ( GLBA ). XXXX XXXX XXXX XXXX XXXX ( XXXX ) has reported a charged-off debt to EXPERIAN, XXXX, and XXXX on my credit report. This is in violation of the FDCPA, which states that when an account is more than 180 days past due, it must generally be charged off. Despite being charged off, XXXX XXXX XXXX XXXX XXXX ( XXXX ) has failed to provide me with a XXXX form, as required by IRS code 4681. XXXX XXXX XXXX XXXX XXXX ( XXXX ) has violated the FCRA ( 15 US. .Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ) by reporting inaccurate information to the credit bureaus. Specifically, they have reported the charged-off debt without having reasonable cause to believe that the information is accurate. XXXX XXXX XXXX XXXX XXXX ( XXXX ) actions also violate the Consumer Financial Protection Act ( XXXX ) - XXXX XXXX XXXX and the XXXX 's prohibition against unfair, deceptive, or abusive acts or practices. By continuing to report the charged-off account as a debt, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX engaging in deceptive conduct that harms consumers ( XXXX ). Furthermore, XXXX XXXX XXXX XXXX XXXX ( XXXX ) has violated my rights under the Privacy Act of XXXX. The Privacy Act of XXXX, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. XXXX XXXX XXXX XXXX XXXX ( XXXX ) improperly disclosed my personal information to credit reporting agencies, specifically EXPERIAN, XXXX, and XXXX without my permission. Additionally, XXXX XXXX XXXX XXXX XXXX ( NCB ) has violated the GLBA ( 15 U.S.C. 6802, also known as section 502 ( b ) of the Gramm-Leach-Bliley Act ) by failing to provide me with a clear and conspicuous notice of their intent to share my nonpublic personal information with nonaffiliated third parties, such as EXPERIAN, XXXX, and XXXX XXXX This coincides with 16 CFR 313.7 ( Form of opt out notice to consumers ; opt out methods ) 16 CFR 313.10 ( Limits on disclosure of non-public personal information to nonaffiliated third parties ) and 248.124 ( Reasonable opportunity to opt out ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I was made aware that my identity was stolen. 

I attempted to review my Equifax Credit report at https : //www.annualcreditreport.com/ After entering my details into the Equifax identify verification form, Equifax 's website said : " We can't complete your enrollment at this time. Please call the XXXX XXXX XXXX at XXXX. XXXX XXXX is available XXXXXXXX XXXX and XXXXXXXX XXXX ET, XXXX ; XXXX XXXX and XXXXXXXX XXXX ET, XXXX. '' I called customer care to resolve the issue, but they were able to offer XXXX support regarding the website. The agent was essentially unable to understand my request and instead submitted a request for a mailed, paper copy of my credit report. 

The agent repeatedly directed me to Equifax 's website, as if that wasn't something I was already doing. 

I specifically asked for an alternate team that can provide support for the website or to speak with a supervisor, but the Equifax agent advised that there was not another team and was exceptionally hesitant to allow me to speak with a supervisor, saying " They're busy '' repeatedly without providing any time frame over which a supervisor ( or someone else who could assist with my request ) could assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue deals with a previous complaint that has been partially remedied.As a direct result of Experian failure to correct erroneous, inaccurate information to my credit file I received numerous credit declines from potential creditors.As stated in my previous complaint I made multiple attempts and request of Experian for correction of my credit file to no avail until now. To date my concerns have not been fully address because of those creditors that Experian reported the misinformation to. I now have inquiries on my credit report that are reporting against me in which I did not benefit because of Experian 's reporting of adverse, erroneous misinformation. Even though the misinformation has been cleared up Experian never notified those creditors of the fact that my credit score was being reporting inaccurately at that time. Experian failure to correct my credit file during that time has left me at a disadvantage and caused me an undue hardship as a result of their actions and I have yet to be made whole. I request to be made whole.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that I have a credit file that spans more than 3 decades. I have zero 30 day lates, on any credit bureau. I have done volunteer work for years to teach the importance of good credit. This is my only ding and it is inaccurate. My complaint is about a collaboration that involves XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, and TRANSUNION. My son lived in an apartment complex, XXXX XXXX XXXX XXXXXXXX. He was in college and I was paying his bill. XXXX XXXX XXXX XXXX sent inaccurate statements. Based on conversations with their employees, it is my strong belief that they were charging people for things that they didn't owe and hoping that the people would pay anyway. They were using the threat of, turning people over to a collection agency, as a weapon to get the consumer to pay for these charges that they don't owe. I am no fan of being extorted and I challenged them on the charges. It took many conversations and many emails ( hours on hours of time ) but they finally admitted that the statement was wrong and sent me a statement that was at least closer to correct although still inaccurate. After giving them sufficient time to charge me only what I owed and multiple calls, I decided to cut my losses and pay. Ultimately, I paid more money than I actually owed in order to move on with my life and they still turned it over for collection. Even with a zero balance. The collection agency is XXXX XXXX. I have sufficient information to prove that my being turned over to them was unreasonable but XXXX XXXX seemed to have no interest in the truth. XXXX XXXX filed derogatory information to TRANSUNION which added it to my report. I disputed the derogatory information to TRANSUNION even though they made it extremely difficult by having check boxes with information about your situation and none of the information beside the boxes fit my situation. They give you a box for " other '' and the ability to describe your situation but allow too few characters to adequately describe it. Later they will allow you to upload documents but limit the documents to too few pages for a case where many emails were written and received. The collaborated extortion seems to work like this : XXXX XXXX XXXX XXXXXXXX charges amounts not owed. If consumers pay them, the scam ends there. If consumers don't pay them XXXX XXXX is all too happy to, for a fee from the consumer, to collect the extorted money. If the consumer is unhappy with getting extorted by XXXX XXXX, the extortion continues to TRANSUNION which I assume is being paid by XXXX XXXX with a membership fee. This collaboration is good for everyone but the consumer which assumes that they have limited ways to fight. As an example, I contacted TRANSUNION today and I spoke to 6 different agents. Each time that you get transferred to a different agent, they ask for lots of information. It seems that they assume if they transfer you to enough agents, which take enough of your time, you will just give up. The collaborators win. The consumer loses.
Product: Vehicle loan or lease

Was unaware of the TILA, and ended up paying {$6000.00} down deposit on this vehicle as well as them forcing me to put down MORE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has got to stop, now we are going on month four, I have disputed the fact that TransUnion has me under XXXX XXXX XXXX XXXX ( the second ) when have you ever seen a lady be the second? I have disputed this several times and some inaccurate data listed on my personal credit file and I'm getting no where. They just ignore my request. Please help I have all the responses where nothing was done and still inaccurate data
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, disputed credit inquires at XXXX and by XXXX XXXX  the next XXXX  had results. This was not investigated properly. Now these items will remain for 2 more years
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX XXXX ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is in violation of numerous consumer rights including : 15 USC 1692 - Fair Debt Collection Practices Act 15 USC 1681 - Fair Credit Reporting Act 15 USC 1601 - 1667f - The Truth In Lending Act 15 USC 1691- The Equal Credit Opportunity Act 15 USC 6801 - 6809 The Gramm Leach Bliley Act I have reached out various times to dispute and inform XXXX of incorrect information being reported as well as to report the numerous violations that have occurred along the way. When I asked representatives how and when the information was validated they told me that XXXX didnt and doesnt validate information before its reported. I advised that they are to adhere to the rules of the FCRA and they advised that they dont have to check the validity of any information before its reported. 

I also advised XXXX that I never gave my written permission or instruction to generate or furnish information about me as needed and identified by the FCRA. I asked for assistance in resolving the issue and each time I call in Im transferred to dead air or hung up on when I recall my rights under the statues and guidelines as set forth with myself being the original creditor and debtor. 

The accounts listed below are in violation : Nelnet Student Loans ( 2 ) - payment history is inaccurate as Ive never been late - different reports show 90 days late on different months and Ive NEVER been late as loans were on a forebearance plan XXXX  XXXX - never had a charge off account XXXX  XXXX  - not my account ; was victim fraud - have provided info FTC report/ police report to XXXX XXXX account removed by other agencies but not XXXX
Product: Credit reporting or other personal consumer reports

I keep reaching out to transunion and updating my password, i keep calling waiting on hold it would work for a little and im right back to not getting in to view my own information!! this is crazy!! i dont want keep sitting on hold and someone from another country is accessing my info to help me get in my own account thats crazy!! thats why my info is always getting breached
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX We disagree with the balanced noted on XXXX   and Experian noted as {$38000.00}. The account was open in 2006, we need to see the past 7 year history.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against the three major credit bureausEquifax, XXXX XXXX XXXXregarding a significant issue with XXXX XXXX XXXX auto-pay system, which has adversely affected my credit report. The incident in question involves a system error with XXXXXXXX XXXX XXXX  auto-pay, resulting in a missed payment, and the credit bureaus ' failure to accurately reflect this situation on my credit report. On XXXX XXXX XXXX I discovered that XXXX XXXX XXXX auto-pay system failed to process my payment, leading to an unintentional missed payment. What compounds the issue is that I did not receive any notification from XXXXXXXX XXXX alerting me to the auto-pay failure. Consequently, the missed payment has had a negative impact on my credit report.
Product: Mortgage

I refinanced my home in XX/XX/XXXX with XXXX. The loan was immediately sold to Stearns Lending. I received a refund of {$680.00} from XXXX which I wanted applied to principal only. Since the loan was sold already, I wrote a check to XXXX and mailed it to them indicating principal only. I received notice from XXXX that they received the check on XX/XX/2016. My first payment is not due until XX/XX/2016, however, XXXX applied my payment as follows : Due Date Applied Date Description Principal Interest XX/XX/2016 XX/XX/2016 PrincipalCurtailment {$9.00} XX/XX/2016 XX/XX/2016 ModifiedCouponPayment {$230.00} {$430.00} XX/XX/2016 XX/XX/2016 OriginalLoanSetUpDate $ XXXX My loan account was not finished being set up until XX/XX/2016. Each email ticket took about a week to receive a reply. 
On XX/XX/2016, I called and finally reached a representative. She told me it takes about a week to make the change on the payment. They will not apply it retroactively to the date they received the monies. Also, it is now XX/XX/2016 and the account is still not fixed, as shown in the table entry above. They are saying my next payment due is XX/XX/2016. I question that they are still not applying my payment properly and holding my monies as early payment rather than a principal payment.