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

I am the original creditor. See Hurds Rev Stat Chap 32,36. 

United States Code Law Title 22 Chapter 2 Section 141 ( permanent character ) - affirmative action. 

XXXX. XXXX XXXX and XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX heir ( XXXX XXXX XXXX 12 USC 1825 ( D ) Full Faith and Credit. The full faith and credit of the United States is pledged to the payment of any obligation issued after XX/XX/1989 by the corporation, which respect to both principal and interest, if - ( XXXX ) the principle amount of such obligation is stated in the obligation and ( XXXX ) the term to maturity or the date of maturity of such obligation is stated in the obligation. 

15 USC 1692 congressional declaration of purpose. 

House Joint Resolution 192!!!

In accordance with the fair credit reporting act The principal debtor is responsible.

15 USC 1681 Section 602. Right to privacy 15 USC 1681 604 A Section 2 : consumer reporting agency CAN NOT furnish a account without written instructions.

15 USC 1666 B : a creditor may NOT treat payment on a credit card account under an open end consumer credit plan as late for purpose. 

AGAIN I AM THE ORIGINAL CREDITOR I provided my signature ( sign of nature ). 
Remove the fraudulent XXXX claims. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to access Equifax
Product: Credit card

Delete this account from my records because it is not mine, and I am genuinely upset to see it on my credit report.
Product: Student loan

I am looking for Citi Bank Student Loan information dating back to 2006. The debt was sold/ serviced by new companies shortly after I began performing on the loans. I am requesting the information regarding the sale of those notes. Specifically : balances, principal, all payments, interest rates, and, discount price of the sale of the portfolio. The current holders/ services of the debt can not provide the history of the loans prior to the beginning of their agreements. I am requesting a transparent paper trail of that history, and the sale/ principal balances of my student loans. I tried to contact Citi Group Inc. they directed me to contact you. Thank you. Can you please research this information for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 On my most recent credit report, XXXX XXXX XXXX Is attempting to : 1 ) Reage a credit account, with is in violation of the fair credit reporting act.

2 ) Add back an account that has been removed under a different title, against the law, and against the fair credit reporting act.

3 ) Add back an account that was removed due to fraud, and illegal business practices.

The other two agencies have refused to allow them to do this using their services, but Experian is assisting in these illegal practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX on XX/XX/XXXX has been dismissed on XX/XX/XXXX. XXXX, XXXX  and Equifax are still reporting as pending/filed. Please removed this inaccurate information from all three major credit reporting agencies. Thank you.
Product: Credit reporting or other personal consumer reports

I RECENTLY REQUEST A COPIE OF MY CREDIT REPORT AND I NOTICED I HAVE FRAUDULENCES REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT.THEY ARE HURTING MY ABILITY TO REQUEST CREDIT XXXX - TRUIST BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I filed my second CFPB complaint # XXXX on XXXX21. This complaint is to update that filing. 
The company First National Bank of Omaha had responded to my first CFPB complaint that I was previoulsy informed re closing my account. However they did not begin to explain to me that even if I paid all my past due payments caused by the economic problems created by the Covid pandemic and become current with my account, that my credit card account would still remain closed. 
I am presently current on my account payments. 
Prior to the Covid pamdemic I had a perfect payment history. 
FNBO also detailed that I had the option to reapply for another card to create an active credit card account. No such option exists in reality! 
I went online today XXXX21 to www.fnbomaha.com and applied for a new card. I was told that I was not eligible for a card and a letter will be sent to me in ten days detailing why. 

If this new card is not an option for me, it means that have to continue to make my monthly payment without the rights and priviledges of owning this credit card. 

This is grossly unfair and prejudicial to me.
Product: Credit card

I have been with Chime for a long while. I have needed my debit card and I have called several times because they continue to contact me and tell me to activate a debit card that I have never received. 

Each time I call theyre only solution is to re-order another debit card, which will take an additional two weeks. Its been more than a month. I still do not have it and they still continue to tell me theyll resend another one. 

I need to be able to have access to it Because I have obligations and bills to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX first on XX/XX/2023 asking them to investigate and delete it. I also asked for the date and whom they contacted along with actual documents proving this is my debt ( because it is not ). I only got a response from them once and it was them stating that my dispute letters did not come from me.They have failed to investigate this matter and I included the email response I was given by XXXX. I sent letters again on XX/XX/2023 & XX/XX/2023, however, I haven't gotten a response. These are the following accounts I have sent numerous disputes about without proper investigation. They also have incorrect personal information about me. 

XXXX XXXX  Account # XXXX is an open collection account with a balance of {$52.00} only reporting to XXXX and Transunion XXXX 

XXXX XXXX XXXX XXXX Account # XXXX is an open collection with a balance of {$1700.00} reporting one 30 day late payment and 5 60 days late payment. I have never been delinquent with this creditor and it is reporting to only XXXX. 

XXXX Account # XXXX, is an open collection account with a balance of {$670.00} reporting to Transunion XXXX 

There is an open collection account titled Untitled { XXXX } with the account # XXXX, balance of {$1700.00} is reported to XXXX XXXX 

XXXX Account # XXXX is an open account reporting a balance of {$190.00}. It is only reporting to Transunion. 

XXXX, XXXX Account # XXXX, is a closed account reporting that I was 30 days late one time and only reporting to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB Office of the Ombudsman : My student loan servicer NELNET who services federal student loans to the credit agencies XXXX, XXXX XXXX, XXXX may have violated the Fair Credit Reporting Act and other credit reporting laws. 

There is reason to believe that the loans serviced by Nelnet where not properly serviced or reported based on the following occurrences. 

Reported Timeline ( historical ) data removed No data credit reporting Reported balances after consolidation XX/XX/XXXX Incorrect address reported ( XX/XX/XXXX ) I understand that any inaccuracy including material inaccuracies may be grounds for injury-in-fact and other harm. The data furnisher NELNET and the credit bureaus XXXX, XXXX XXXX and XXXX  blame the data furnisher for the reporting inaccuracies and or credit redactions. 

I am requesting an audit of the reporting history of fifteen federal student loan accounts held by Nelnet, and the three credit bureaus update their records according to the complete account history ; ( XXXX ), that includes all historical data, date opened, and historical timeline, and the loans are paid and consolidated. 

The loans have been consolidated XX/XX/XXXX to a different servicer. 

Customer service representatives at Nelnet said to me that disputing information to the credit bureau will cause credit score decreases because they will respond that the information was frivolous and accurate. This also indicated to me problems with the servicers dispute and resolution process and what procedures they use in cases of disputed accuracy and my rights under Federal law including the Fair Credit Reporting Act. 

I am asking the Ombudsman to investigate credit reporting activities by the servicer NELNET and audit of the credit reporting history from Nelnet. I have scanned copies of the credit report from XXXX to show the reported timeline. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

My Paypal account was restricted for no good reason with funds in it and Paypal won't even let me log back in. I called Paypal to see if I could at least withdraw my funds to my bank account but paypal unlawfully decline for me to manually withdraw my funds I left already my bank account information into my paypal account but paypal blocked my login access to my paypal account ( see picture attached ) and blocked my bill of rights of withdrawing my funds to my bank account after I waited patiencely 180 days paypal hold policy ( see screenshot attached ) or read these paypal message here : " Hello XXXX XXXX '', Your PayPal funds are now eligible for withdrawal. 
You may transfer the funds directly to your bank account via online bank transfer or check request ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed two accounts with XXXX and the credit bureaus. I disputed XXXX personally in house and they claim to have undergone an extensive investigation and said that the debt is mine. They never provided me any kind of method of verification or investigation results or any documents pertaining as proof. I have also disputed alleged accounts with all 3 credit bureaus and XXXX   has marked this as accurate, which i have asked over and over for correspondence/evidence/proof/method of verification and none of them have been able to furnish this information to me ( XXXX, XXXX, XXXX  or Transunion ) . If there is no verification, this has to be deleted by law. ( FCRA ). I have disputed over the phone, online, and many times by mail. These poor accounts have been stopping be from getting things that i deserve.
Product: Credit reporting or other personal consumer reports

Hello Im reaching out because Im having an issue with my student loans. 

As of recently Ive been having some health issues that kept me from making my timely payments on time as I normally do. Its been reported that Ive been XXXX past due to the credit bureau, which caused a dramatic hit to my credit score. Ive had perfect credit for years now.. I pay all my bills on time and sometimes more than what is asked of me. Im asking for a Goodwill Deletion, seeing this is the first time that Ive ever been late. Im a single mother doing the best I can. Im currently starting my house buying process and this has set me back hugely!! 

Im not disputing that I was late, however I would greatly appreciate it if I wasnt punished to such magnitude over my very first mishap. My credit score dropped XXXX points. Once I caught wind of the situation I went ahead and made the account current, even offering to immediately pay it the entire balance. If there is anything you can help me with Id greatly appreciate it
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies related to the XXXX XXXX XXXX XXXX collection account that appears on my credit report. Upon reviewing my credit report on XX/XX/XXXX on Experian.com, I noticed that the information reported is not only misleading, but it also fails to reflect an accurate payment history. Specifically, I would like to bring to your attention the following issues : 1. Inaccurate Payment History : My credit report does not include data for the first three months of my historical payment history for this account. This omission significantly misrepresents my payment behavior and may be detrimental to my credit score. 

2. Stale Status Update : The last status update for this XXXX collection account was recorded XXXX months ago. Since this last update, there have been no further changes. 

3. When selling off a debt to a collection agency there should not be a past-due balance. This open account shows a past due balance of {$1400.00}. 

Additionally, I would like to note that XXXX just removed this collection account from my report in XXXX XXXX  due to similar inaccuracies, which further validates my claim that the information being reported to Experian is not in alignment with other credit reporting agencies. 

These discrepancies may be in violation of several provisions of the Fair Credit Reporting Act ( FCRA ). According to 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. The omission of three months of payment history and outdated status significantly diverges from this requirement, resulting in an inaccurate portrayal of my creditworthiness.

Additionally, under 15 U.S.C. 1681n, consumers can seek damages for willful noncompliance with the FCRA, which can result in statutory damages of up to {$1000.00} for violations. 

I kindly request that you remove this account immediately.
Product: Debt collection

On XX/XX/2015, I returned a call that was left on my phone's voicemail to XXXX(XXXX) from United Bilt Homes Corp in XXXX LA. During this call, XXXX said we had missed our payment for XXXX. I informed XXXX, our due date was on XXXX and we had a 10 day grace period and we had up until the XXXX of the month.  He was quick to say no, that is when we will receive a late payment penalty. And then asked me how I would like for him, XXXX, to take away our home from us. I told him, we were still in our grace period and the payment should be there that day or the XXXX. And there was not legal right for him to say that statement when we were not in past due status. I ask if the Owner knew how he treats people unfairly and was told the owner back him 100% and hung up. I called back, he asked if I would like to talk to the owner, XXXX and said he would transfer me to him. XXXX transferred me to XXXX, and other employees but never XXXX. After repeated times to call back, XXXX would put me on hold.
Product: Credit reporting or other personal consumer reports

Each credit bureau is not reporting accurate information. The creditors are reporting this as charged off but they are showing a balance due no 1099 was ever received even though they reorted this as a bad debt none of the last dates active is the same XXXX has the account listed twice as a repo but started reporting in XXXX of XXXX  as a charge off Equifax has thus account listed as a charge off but has been reporting as a paid as agreed
Product: Debt collection

XX/XX/XXXX. I called Quality Asset Recovery, LLC in reference to two bills I received in my name. The creditor is XXXX XXXX XXXX XXXX and the bills were my children 's ; XXXX XXXX and XXXX XXXX. I called at approximately XXXX and asked to discuss why these bills were in my name. I spoke to a " case manager '' for this debt and asked politely for him to take the bills out of my name for they were not mine. He ignored me and asked me if they were my children I responded yes. He then said " well if they are your children they are your responsibility ''. I stated they were not my responsibility and I know my rights. He then started to harass me and intimidate me into trying to pay these debts. I told him if he did not take my name off of both debts then I would contact the Federal Trade Commission. He then said " well the best I can do is file a dispute ''. I then stated fine and I am still filing a complaint because of this situation. My information should have never been given to anyone from XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX, NJ XXXX. Also the dates on the notice for date of service is wrong it states XX/XX/XXXX. At that time my son and daughter were not living in this area. These bills are for cancelled appointments not even for actual services rendered. Pointless just a way for them to scam consumers. I am very upset that this creditor send my information to this debt collector. My information in none of their business and I wish to have my name removed from these bills and their data base. The one bill is in my correct name XXXX XXXX with an account number of XXXX, date of service XX/XX/XXXX. The second bill is is in the wrong name of XXXX XXXX, with an account number of XXXX, no date of service listed. Please have my name removed from these bills and do something with XXXXXXXX XXXX XXXXXXXX XXXX for selling my information without my permission. If you need to contact me you may do so by email XXXX for cell phone XXXX.
Product: Debt collection

I requested validation on this alleged debt a day they continue to report it on my credit. I have not done or agreed to do any business with IC SYSTEMS nor have I signed any contract with their company. I also have not given any credit bureau authorization to report this item therefore no permissible purpose exists. This is a direct and blatant violation of my rights under15 USC 1681. NO AUTHORIZATION OR CONSENT WAS GIVEN BY ME TO GIVE IC SYSTEM ACCESS TO MY REPORT OR TO FURNISH INFORMATION ON MY REPORT Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Law Attached for reference XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and my consumer rights. The following issues have occurred : Failure to Conduct Proper Investigation by TransUnion - 15 U.S.C. 1681i I disputed multiple inaccurate accounts on my credit report with TransUnion. Despite my dispute, these accounts were verified without proper documentation. Resolution Requested : I request all documents used in the verification process or the immediate removal of these accounts. Inaccurate Delinquency Reporting - 15 U.S.C. 1681e ( b ) The report incorrectly shows late payments in 11/2023 and 12/2023 for a closed and fully paid account. A paid account can not have further delinquencies. Resolution Requested : I demand the removal of the incorrect late payments. Duplicate Collection Accounts - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) My credit report contains multiple collection accounts ( # 3011, # 3017, # 3006, # 3008, # 3014, # 3019 ) with the same original creditor and similar balances, suggesting duplication and improper reporting. Resolution Requested : Delete any duplicate accounts. Illegal Re-Aging of Debt - 15 U.S.C. 1681c ( a ) Certain collection accounts appear to have updated delinquency dates, possibly restarting the seven-year reporting period, which is illegal under the FCRA. Resolution Requested : Correct the Date of First Delinquency ( DOFD ) or remove these accounts. Failure to Mark Disputed Accounts - 15 U.S.C. 1681s-2 ( a ) ( 3 ) TransUnion failed to mark disputed accounts as " disputed by consumer, '' violating the FCRA. Resolution Requested : Update the accounts to reflect the dispute or remove them. -SEE ATTACHED FILES
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX I sent a certified letter to TransUnion regarding EIGHT ACCOUNTS they are reporting inaccurately. 

They have yet to correct them, nor does it look like they have even done an investigation. 

These accounts are Student loan accounts that are reporting Late payments during the XXXX XXXX relief of student aid. Which per FEDERAL LAW states if they are in deferment they can not report a late payment. 

This is very harmful to my credit and ALL EIGHT accounts need to be updated and REMOVE the late payment they are reporting. 

Ive enclosed a copy of ALL EIGHT credit reports as well as the letter I sent to TransUnion.
Product: Credit reporting or other personal consumer reports

I submitted multiple disputes ( 5 total ) with Transunion in regards to the following Derogatory marks on my credit report. These 5 remarks are showing under collections. 

XXXX XXXX XX/XX/year> {$1000.00} XXXXXXXX XXXX XXXXXX/XX/year> {$1200.00} XXXX XXXX XXXXXX/XX/year> {$1400.00} XXXXXXXX XXXX XXXXXX/XX/year> {$1400.00} XXXXXXXX XXXX XX/XX/year> {$1900.00} I have let Transunion know that XXXXXXXX XXXX and I have no contract stating that I owe this debt or that it belongs to me. These accounts have been removed from XXXX and XXXX as they did not come back verified. However, TRANSUNION refuses to remove these from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request your assistance in removing fraudulent items from my credit report. Despite thirty-seven previous attempts to rectify these issues directly with the credit bureaus and creditors, the fraudulent items remain uncorrected and continue to damage my creditworthiness. This letter marks my many attempt to resolve these issues, and I am in desperate need of your intervention. The continued presence of these fraudulent items on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ), which entitles me to dispute and correct inaccurate information. I am requesting for your intervention to ensure these fraudulent items are removed immediately. The persistent inaccuracies are causing significant harm to my financial standing, and I am prepared to take legal action if necessary. Kindly help me remove the following items immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX