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

XXXX has failed to fulfill its legal obligation under the Federal Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer provided evidence to furnishes, accepting unreliable responses, and failing to notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that is not accurate from XXXX XXXX XXXX # XXXX Date of Last Payment Debtor Payment XXXX XXXX is missing and this is not a company that I ever remember doing business with in any fashion. 
This is a formal dispute of information and reporting. I formally exercise my rights as a consumer to request that you only report True, Factual, Correct and Current, & verified information and I request that any deficiently reported information be released and dismissed at once. I DEMAND In this lawful request I DEMAND that you initiate a complete investigation of the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid, or not. I have inquiries that I do not recognize from the following companies, XXXX XXXX, XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX and XXXX are reporting unverified misleading untruthful and unfair information on my credit reports. They are placing 2 XXXX student loan accounts as verified when in fact they are not. XXXX removed both accounts for these very reasons that I am disputing they dont it have the necessary documentation to verify my commitment or agreement to this debt between me and the original creditor. They also do not have a valid signed original contract giving permission to sell assign release or in any form of transfer of any debt to XXXX. I dont owe this company because I dont know this company if XXXX removed this debt the fcra fdcpa both state that all debts must be 100 % accurate and complete. Also I do not owe this debt I have no knowledge of this debt at all. Also if you look at the payment history on XXXX they have several no information remarks on months of payment which also makes this debt incomplete these accounts must be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and Equifax is breaking the law.
Product: Student loan

In XXXX of XXXX  I filed for consolidation of my loans, in that application I applied for the new SAVR IDR plan. My loan consolidation was completed in XXXX of XXXX  but since then I have been waiting on my IDR plan to be processed. Since XXXX I have had to be placed on forbearance and that forbearance had to be renewed several times to prevent me from having to pay the standard payment ( which I can not afford ). Every time that I call to obtain information for why my IDR is not being processed I get meet with resistance and am always told that they have no information to give me and are not able to obtain any information regrading the delay including a possible timeline. Their excuse is that the department that does the processing of the IDR works in a silo and they are unable to communicate with them about any updates. They have also denied my requests to talk to a supervisor to see if they are able to obtain further information or escalate the IDR processing.
Product: Vehicle loan or lease

We have a a car lease with Kia Motors Finance ( KMF ) that is on autopay. The monthly payment is {$570.00}. On XX/XX/2021, we received notice of a past due amount of {$52.00}. As we are on KMF autopay we were confused by the notice. Nonetheless we paid KMF the {$52.00} on the same day of the notice. In a conversation today, XX/XX/2021, with a KMF agent about this past due amount we were instructed to ignore the past due notice. This did not seem like a reasonable reply, so we asked to speak to a supervisor. We were told by the supervisor that the {$52.00} was for Mass. property tax and it had to be paid separately from the lease payment of {$570.00}, and that it is not covered by autopay. The supervisor directed us to our XX/XX/2021 statement, which is herein attached. The amount of {$52.00} is the sum of two amounts on the statement : {$49.00} and {$3.00}. The statement lists a total amount due of {$630.00}. Note that the total amount due is not broken out into two separate portions ; one for the lease payment and another for the tax payment, and that each had to be paid individually. As will be seen, the KMF statement in the upper right says. " Stop worrying about making your monthly payments. Sign up to autopay and never worry about late fees again. Even more troubling is that the first KMF agent we spoke to said to ignore the late payment notice. For all the foregoing reasons we therefore believe that KMF is engaging in misleading and deceptive business practices, and we are bringing this matter to your attention. It is also quite possible that we are not the only ones to have been caught out caught out by this KMF practice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX To Whom this may concern, I hope this letter finds you well. My name is XXXX XXXX, and I am writing to address an issue concerning the reporting of student loans on my credit report. I believe that the information currently included in my credit report violates the provisions of the Family Educational Rights and Privacy Act ( FERPA ), and I am formally requesting its removal.

FERPA, enacted in 1974, is a federal law designed to protect the privacy of student education records. The law applies to any public or private elementary, secondary, or post-secondary school, and it grants certain rights to parents and eligible students regarding the access and disclosure of student records.

Specifically, 20 USC 1232g ( b ) of FERPA restricts the disclosure of personally identifiable information from education records without the consent of the student, except under limited circumstances. I assert my rights under FERPA to control the disclosure of my education records, including any information related to student loans.

Upon reviewing my credit report, I have observed that certain student loan information is being reported. Below are the details of the student loan accounts that I believe may be in violation of FERPA, as the information is derived from my education records and has been disclosed without my explicit consent : Account Name : DEPT OF EDUCATIONXX/XX/XXXX Account Number : XXXX Account Type : Education Date Opened : XX/XX/XXXX Balance : {$23000.00} Monthly Payment : {$270.00} Original Balance : {$8900.00} Terms : 120 Months Account Name : DEPT OF EDUCATIONXX/XX/XXXXAccount Number : XXXX Account Type : Education Date Opened : XX/XX/XXXX Balance : {$1400.00} Monthly Payment : {$16.00} Original Balance : {$970.00} Terms : 120 Months Account Name : DEPT OF EDUCATION/XX/XX/XXXX Account Number : XXXX Account Type : Education Date Opened : XX/XX/XXXX Balance : {$1000.00} Monthly Payment : {$12.00} Original Balance : {$760.00} Terms : 120 Months In light of the above, I formally request that your company promptly investigate and remove any student loan information from my credit report that may be in violation of FERPA. I trust that your company will adhere to the legal requirements and promptly correct any inaccuracies.

I appreciate your prompt attention to this matter and request written confirmation once the necessary corrections have been made to my credit report in compliance with FERPA. 

Thank you for your cooperation and adherence to the laws that protect student privacy and educational records. 

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

I do not recognize, nor authorized these hard inquiries that TransUnion has recorded in my credit report. 

.XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX .XXXXVETERANS XXXX XXXX ( Finance XXXX XX/XX/XXXX In addition , data sets related to inputting of accounts were not XXXX XXXX  Compliant. 
Payment status data listed is mismatched, compared to other credit
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : {$3800.00} XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$750.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

An account from a company I've never heard of or done business with appeared on my XXXX and XXXX credit reports. The amount owed for this false account is {$1300.00} and was added on my accounts on XX/XX/2023. The company has yet to take any action so I'm taking action myself.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint because XXXX debt collection agencies, XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX, & I C SYSTEM at XXXX XXXX XXXX XXXX XXXX, MN XXXX are reporting the same alleged debt on my credit report. This is causing undue harm to my c

redit score and financial reputation. I have no contract, agreement, or business relationship with either agency, and neither agency has provided lawful validation of this debt despite my requests.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I have the right to request validation of any alleged debt, and both agencies are legally obligated to cease collection activities, including reporting to credit bureaus, until they provide sufficient proof of the debt. Despite these requirements, both agencies continue to report this debt without validation. Additionally, this duplicate reporting violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), which mandates that furnishers of information, such as debt collectors, must ensure the accuracy of the information they report. The failure to verify or correct duplicate reporting constitutes an actionable violation of federal law. Furthermore, under XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), inaccurate or misleading reporting that harms a consumers credit standing is a concrete injury. Both agencies actions have directly caused harm to my credit reputation, subjected me to potential denials of credit, and created unnecessary stress. " Congress plainly sought to curb the dissemination of false information by adopting procedures designed to decrease that risk. [ A ] XXXX intangible harm, such as the risk of dissemination of inaccurate information, can satisfy the requirement of concreteness under XXXX XXXX. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ). " The mere presence of an inaccuracy in an internal credit file, if it is not disclosed to a third party, does not amount to a concrete harm. However, the risk of dissemination of inaccurate information and actual disclosure can result in reputational harm that is cognizable. '' XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$100.00} on the XXXX XXXX partial account umber XXXX. ( Please see page attached from my credit report. ) Payments are made to XXXX XXXX. ( Please see attached payment record dated XX/XX/2020 for reference. ) This payment should have never have gone to XXXX and this account needs to report a {$0.00} balance. This false reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting

I was unable to get a free credit report from ANY of the XXXX companies at www.annualcreditreport.com. I believe this is by design. They ask questions the average person can not be expected to know ( for example the year your home was built for apartment renters, partial phone numbers of relatives, etc. ) and then refuse to provide a report based on the answers, unless you jump through many more time consuming hoops. They make the process unnecessarily difficult. This website was obviously put up to create the appearance of making an effort to comply with the law, while avoiding actually doing so as much as possible. It 's abusive.
Product: Student loan

I am the mother of a student paying off one of the student loans. I have an auto pay set up to pay monthly. Apparently, the minimum was raised without notifying me. Received a notice today that I was XXXX cents short, so they were going to charge me a {$28.00} late fee. 
Its bad enough that XXXX over charged for education and then dissolved. My son hasnt been able to get help with any of his school loans.
Product: Debt collection

XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX XXXX {$600.00} I have not lived at these apartments and I have been disputing these charges for years since COVID 19. I need for these to be deleted off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian makes it impossible to remove a fraud alert online and has not responded to my written and mailed request using their form. I have been waiting over a week and have tried everything in my power to get them moving. This problem is holding up a soft credit check that XXXX XXXX needs to install an XXXX XXXX at my residence in XXXX XXXX XXXX, Florida.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX  letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am filing this claimplaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigate and removal of these items, as it is incorrect and does not reflect my true credit history.As well as According to FCRA Section 605B it is illegal to report anything on my credit report without my permission.
Product: Vehicle loan or lease

Credit Acceptance Corporation 's ongoing violations and non-compliance with regulatory laws in the United States, as per XXXX XXXX XXXX point to potential breaches of federal law, specifically related to civil rights violations. Section XXXX makes it illegal for anyone acting under state authority to willfully deprive a person of a right or privilege protected by the XXXX or laws of the United States. In the context of Credit Acceptance Corporation, these violations could include discriminatory practices, unfair treatment of consumers, or actions that deprive individuals of their legal rights under federal laws governing consumer protection. Such conduct may be subject to federal investigation and legal action to ensure compliance with civil rights protections and consumer rights laws in the United States.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shopping around for a used car yesterday, XX/XX/18, and visited XXXX XXXX XXXX. Upon interest in a vehicle, when we sat down to talk numbers, the finance person told me he had to run my credit, despite me bringing my own approved financing from my credit union. I asked if it would be a hard or soft inquiry, and he said soft. 
Upon visiting another dealership, immediately after, I was informed that this was, in fact, a hard inquiry, because dealers ONLY do hard inquiries, and that the score reported to me by the other dealer ( XXXX ) was reported under a XXXX XXXX, which is only used for mortgages or loans over {$1.00} million. The credit check was run under " XXXX XXXX ''. 
The 2nd dealer informed me that when my score was run properly under XXXX, that it came back as XXXX. 
I did not authorize the first dealer to run my credit as a hard inquiry, and they also did it under the wrong code, which made it inaccurate, which is useless to everybody, and therefore want this hard inquiry removed from my record. 

Thank you.
Product: Credit reporting or other personal consumer reports

I submitted disputes pertaining to incorrect public information that is being reported on my credit file. I asked Experian to investigate my dispute of XXXX bankruptcies that are on my credit file, while providing them with documentation from the Bankruptcy court that clearly states that they do not furnish information to XXXX or credit reporting agencies. Since they do not furnish information to XXXX about my bankruptcy, there is no way for Experian to verify the accuracy of the bankruptcy. I asked for deletion of each bankruptcy per this reason, as required by law. I also requested proof from Experian that they accurately investigated my dispute. I received nothing. Experian deleted only XXXX bankruptcy and the other XXXX remain. Im requesting an accurate investigation from Experian as required by law.
Product: Debt collection

I worked in XXXX from XX/XX/XXXX until XX/XX/XXXX. Someone accessed my personal information and used XXXX XXXX. 
Now Jefferson Capital Systems is claiming an account opening on XX/XX/XXXX which is a complete fabrication. My signature is on no document authorizing this service. I did not require a cell phone in XXXX while I was XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding a potential violation of 15 U.S. Code 1692b by 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 XXXXXXXX According to the Fair Debt Collection Practices Act ( FDCPA ), this statute prohibits debt collectors from communicating with third parties in connection with the collection of any debt, except as provided in the statute, without prior consent of the consumer.