23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I paid my entire card off in XX/XX/2023 and the company was supposed to close the account. Old navy did not close the account until XXXX and charged me interest and late fees even though the cars was paid off. I was instructed that since I paid the card off before the statement was done that the entire amount was not accurate and they are not charging late fees and interest on the interest they claimed I never paid but in reality I paid the amount in full and requested to have it closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting requests for XXXX months with now with no response at all form Experian about an erroneously reported XXXX account that shows as a satisfied collection. It's not reported corrrectly. Experian has activity on a collection account. XXXX reports current payments and XXXX continues to illegally update the DAte of last active and re-age this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I noticed there are inquiries on my credit report that I don't recognize nor have I applied to, and I never authorized these companies to access my report. This situation is causing me stress and anxiety as I try to understand how and why it happened.
Product: Debt collection

AMERICOLLECT is claiming that I owe them {$270.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Vehicle loan or lease

The company violated a lot of usc codes. They did not tell me when I got the contract that I have the right to rescind. I tried to negotiate my contract with that after they repossessed my vehicle. They have discharge the debt and closed the account according to the credit bureau. So if they closed the account how are they able to collect the debt when they get it written off at tax time and I have to pay taxes on it when I get the 1099 c form. Thats not fair.

They violated these laws and codes : 15 usc 1635 15 usc 1662 Truth and lending act According to 31 usc 5322 the law states that each violation is 1000 dollar fine. Also violating 15 usc 1692e ( 4 ). Threat of repossession is fraud and illegal in the collection of any debt. 15 usc 1692f unfair practices 15 usc 1692j 15 usc 1605 ( a )
Product: Credit reporting or other personal consumer reports

Toyota Motor Credit is in violation of the Fair Credit Reporting Act. 15 USC 1681a ( 2 ) ( 1 ), the term " consumer report '' does not include any report containing information solely as to payment history or utilization between the individual and the company making the report.
Product: Credit reporting or other personal consumer reports

I RECENTLY CHECKED MY CONSUMER REPORT AND SEE SEVERAL UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. SEE LIST BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX TRANSUNION
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has to remove inquiry placed on my credit file by XXXX XXXX XXXX per XXXX  request dated XX/XX/XXXX and XX/XX/XXXX XXXX XXXX because They were both unauthorized and the furnishers request to remove the unauthorized inquiries Is attached. Please remove the unauthorized inquiries from my credit file and send me a copy of my updated credit file to the address on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Can transactions be reported on Credit Report? 





XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX District of Columbia ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Trafficking Block Request [ Your Account Number ( if known ) ] Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

All Late Payments, All Collections, and All Inquiries. 

Please block this information from my credit report within four 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. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX District of Columbia ( XXXX )
Product: Debt collection

I currently have a gym membership with a company name XXXX XXXX. Aldous & Associates as their debt collection law firm. I have been actively going to the gym with an account in good standing right up until COVID-19 hit and the gym closed at the beginning of XX/XX/XXXX. In XXXX, I signed up for personal training 3 times a week with this company. I started training with their personal trainers who were terrible and after about 2 months or so I decided to stop utilizing their services, and stopped scheduling my appts. I did this because the training program was geared around making people continue to utilize their services, not seeing results and not getting personalized workouts tailored to individual needs. I however continued with my gym membership. They claim that I never canceled my contract so they continued to bill me even though I wasnt utilizing those services anymore. Their charges are roughly {$50.00} for each training session. They are charging me approximately 30 training sessions that I did not take advantage of or utilize. They are holding me hostage and did not provide the quality service for which we agreed upon. I spoke with manager of the gym and they told me it would be fine as long as I kept my membership account current which I did and paid them the past due amount for the gym membership and they turn my membership back on ( over a year ago, and is still in good standing ). The law firm refuses to talk to me unless the account unless its about a payment, and the gym will no longer discuss this account because its now with the collection agency. They are trying to extort me out of {$1600.00} for services they did not provide.
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 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 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: Consumer Loan

I tried to get into Wells Fargo Dealer Services online tool to pay my car note. However, I got a message saying that my rate has changed. 
When I called, they said that that message applied to my old car loan and being over charged for interest. They sent me a check for {$48.00} but my concern is that they did not go into details about the months involved with the overage. I would like to know if I am due more since I do n't have a clue on any specifics. This happened immediately after the scam when employees were fired due to fraudulent accounts.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXXACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$8200.00}
Product: Mortgage

We are victims of dual tracking while in-review. 
Submitted a completed package, in letter dated XXXX XXXX from BB & T and received XX/XX/XXXX by mail, BB & T asked for updated financials and an additional piece of information - a letter of income contribution from wife of income shown in bank statements in package to be submitted in XXXX days. On XX/XX/XXXX BB & T sent a motion to the court asking to schedule a foreclosure sale. See a copy of the court docket showing a motion sent to the judge asking to schedule a sales date.
Product: Debt collection

Franklin collections has been reposting the same debt every two days with XXXX. I tried to contact them and was told they are posting a monthly check up, I sent proof they are hitting my credit literally every two days since XXXX and no one will answer me or even give me a working phone number to speak to a live person. I have only been able to make contact through email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Was Deferred/Extension Granted For 2 Months ( XXXX XXXX, XX/XX/2022 ). 
However, I Notice 1 30 Day Marking On XXXX XXXX While Extension Was GRANTED. 
I Did A Dispute w/XXXX, XXXX + Transunion. 
XXXX Has Now PUT XXXX & XXXX XXXX 30 Day Mark Dispute Results : Remove ONLY XXXX But Added XXXX. Month Of XXXX Pymt Was NOT Even Due. 
Contacted Creditor XXXX XXXX XXXX, Senior Account Specialist Stated They Were Unaware Of Any Chge And Stated To Contact Credit Bureau. 
Transunion 30 Day Marking XXXX XXXX XXXX 30 Day Marking XXXX XXXX I Sent Documentation From XXXX XXXX XXXX - Deferment/Extension
Product: Student loan

There are multiple credit inquiries on my report that are incorrect. My student loan amount has decreased and is not reflected on my credit report.
Product: Credit reporting or other personal consumer reports

I believe these accounts do not belong to me and in my previous complaint, I wanted this account be deleted. However, no further steps were taken.
Product: Debt collection

I settled eith Sunbit for {$1600.00}, on XX/XX/year>. They wouldn't take one full payment, so it was paid in 5 payments of XXXX and one payment of XXXX. All paid XX/XX/year>. 
They keep calling me and telling me I owe them money. When they look at the record they see that it was paid off. They keep sending tickets to the technical team and managers to fix this, but it's not being resolved and they still keep calling. 
I've tried to dispute it through my XXXX credit report and it came back that their information is correct. It is not. 
I need them to show that I've paid off this debt and have it reflect as paid on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to bureaus to remove personal infXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; accounts XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX that ere UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to block any items or information not later than 4 business days after the XX/XX/XXXX letter sent to Bureaus.Ive already included this in my previous Complaint # XXXX XXXX, XXXX, and XXXX & I am including it again
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a collection mark on my XXXX credit file from Convergent Outsourcing for {$390.00}. I sent Convergent Outsourcing a debt verification letter via US mail. This letter requested documentation of proof of debt, a copy of the original written agreement between the parties signed by me, a bill of sale or any documentation proving I have a legal responsibility to Convergent Outsourcing. They were not able to provide such documentation. 

Convergent Outsourcing sent me a copy of what appears to be bill from XXXX. The did not provide me any documentation with my signature or proving I have a legal responsibility to Convergent Outsourcing. 

On XX/XX/22 I responded to Convergent Outsourcing that they did not provided sufficient proof of debt and to remove the collection from all credit reporting agencies or be in Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, Fraud and Defamation of Character. 

I opened a dispute on XXXX Credit Bureau regarding this collection, sharing all the information I requested and the legal requirements Convergent Outsourcing needed to provide for proof of debt ownership and validation. Since convergent is not able to provide the legal documentation, XXXX is required by law to remove the collection from my credit file. XXXX has not removed the collection from my file
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account XXXX XXXX amount XXXX Date XXXX10
Product: Credit reporting or other personal consumer reports

I sent a certified dispute correspondence to the reporting creditor XXXX in XXXX. Per my request in my dispute, I received no response from the reporting creditor. 

After the 30 days past, I sent a certified dispute correspondence requesting immediate removal of the disputed XXXX accounts, per Federal law, to the reporting credit bureau Equifax. I included copies of all the original documentation from the original correspondence sent to the reporting creditor, certified XXXX return cards and tracking for proof of receipt, a copy of my Equifax credit report showing the accounts that need to be removed, as well as copies of my personal identification documentation ( a driver license and social security card ) which was the same XXXX forms of documentation that I've sent in the past to the credit bureaus. 

What I just received from Equifax in XXXX, in response to my certified dispute correspondence in regards to this matter was a frivolous letter requesting personal identification, by way of the forms that I had already provided them in my certified dispute correspondence back in XXXX. 

At this point, I am XXXX that Equifax failed to maintain reasonable procedures to assure the maximum possible validity, completeness, accurateness and correctness in my credit report. It seems the creditor XXXX and the credit bureau Equifax are not legally abiding by the federal law and consumer law, and ultimately, this reported information is damaging me and my quality of life, since it is affecting the interest rates that I am able to get and limits my credit capacity and job opportunities.
Product: Student loan

I have graduate loans serviced through XXXX that I took during the XXXX school year. I began repaying them shortly after graduation and deferred payments for one year after going through a divorce. At the time I set up my repayment plan, I made it very clear that I was employed as a XXXX XXXX XXXX and planned on applying for PSLF. " Standard '' repayment was listed as a qualifying option. They enrolled me in that plan and I paid ( and continue to pay ) {$400.00} per month toward that plan. I got nervous at one point after hearing horror stories from colleagues that they had been paying into the wrong plan - so I called to confirm my eligibility. 

In XXXX of XXXX, I called to confirm that since I was in a " standard '' repayment plan that I was eligible. I confirmed my employer, and my payment type and was assured that was making eligible payments. 

It was not until XXXX of XXXX, after having my employer certified that I was notified that I was, in fact, NOT enrolled in an eligible plan. AND that in order to be, I'd need to pay a minimum of an additional $ 200+ per month and start over. That is not financially possible for my family, nor is it acceptable that if I DID enroll in this plan, I would pay off my loan myself and have nothing left to forgive. This has a tremendous impact on my family. I'm employed as a XXXX XXXX XXXX, so I'm not sure how they are calculating the Pay As You Earn, but they clearly do not have any idea what XXXX XXXX XXXX make. 

Additionally, I sent numerous messages back and forth with customer service reps through their inbox feature, and now those messages are no longer on my account ( that function longer exists ). 

I'm obviously livid and worried that I will be responsible to what equates to roughly {$25000.00} that I planned to have forgiven.
Product: Credit reporting or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These late payments are a defamation of my character are therefore INACCURATE and your company is in violation of the Fair Credit Reporting Act ( FCRA ), otherwise known as 15 USC 1681. Pursuant to 15 USC 1681a - Definitions ; rules of construction, but more specifically 15 USC 1681a ( 2 ) ( A ) ( i ), THE LAW CLEARLY STATES ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Clearly, exclusion means something that is not supposed to be included. The law states that transactions or experiences between the consumer and the person making the report are not supposed to be included in a consumer report, and this reported information was an EXPERIENCE of mine, therefore the information must be excluded and I demand these late payments be deleted immediately. Furthermore, you have also violated the Truth In Lending Act, more specifically, 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to the negative items listed on my credit report. Specifically, I would like to address the following accounts : XXXX XXXX XXXX - Account Number : XXXX I have noticed that you have reported this account as updated, however, the same incorrect information is still being reported and nothing has been updated. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) as inaccurate reporting is not allowed. I would like to bring to your attention that the reported late payments are inaccurate and I request that you remove them from my account as soon as possible. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX - Account Number : XXXX Similarly, I have noticed that you have reported this account as updated, but again, the same incorrect information is still being reported and nothing has been updated. This is also a violation of the FCRA. I would like to request that you remove the reported late payments from my account as soon as possible. 

I believe that the inaccurate reporting of these late payments is having a negative impact on my credit score and financial well-being. As a consumer, I have the right to accurate credit reporting under the FCRA. Therefore, I kindly request that you take immediate action to rectify this matter and update my credit report accordingly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX - repeated calls after informed not to call. Additionally informed the claim is no valid and has been disputed. XXXX threatened to continue calling even though he was asked not to call again. He said he did n't care and would call until he got paid. To date there have been at least XXXX calls from him in the last week.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failed to remove the information.
Product: Credit reporting

Transunion is reporting on report XXXX account is reporting wrong date of first delinquency. XXXX account was sold/transferred XXXX times. Date of first delinquency for XXXX account, original date is XX/XX/XXXX not XX/XX/XXXX. I have disputed several times and sent documents for support.
Product: Credit card

I've consistently made sure payments on this account are on time, preventing any overdue situations. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, In fact therefore exists.