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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission whichis against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

On XX/XX/2021, I viewed my credit report and saw there was a new collections from XXXX XXXX XXXX that is for a very old debt. This debt was closed at least over 10 years ago. I have been a victim of this creditor re-aging old debt which is highly illegal. I've disputed the claim on my credit report and want it removed from all 3 bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX  XXXX XXXX, CarMax XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX all inquiry I have no knowledge of can you please remove these from my credit report asap
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I legally changed my name through the courts, my Legal Name is XXXX XXXX I am working on building my personal credit score, and have paid a company to assist with this. We began running into issues when Experian stopped providing me with a credit report. After several attempts, and hours of research I was finally able to get an Customer Service Rep from Experian on the phone. They told me I was required to provide them with all of my documents ; Birth Certificate, SSN, Drivers License, etc, which I did. I was told it would take XXXX weeks to confirm all of the info. I called back XXXX weeks later, and after spending XXXX hours on the phone, was assured that event thought it still wasn't updated, they had received everything, and my report would automatically be updated the next day... I waited another week and nothing was still updated, so after calling back in and being transferred through several departments, they told me that it wasn't their issue, and I needed to contact XXXX, because that's where Experian got their info. Experian told me that XXXX was misreporting, and that was causing the issue... I called XXXX, and after spending several days trying to sort our the issue, and paying for their monitoring services, they assured me that it was the other way around, and there was nothing they could do to get my reports from Experian... I paid for many additional services over the last year to try and fix the issue, including My Free Credit Report, XXXX Monitoring, Fund and Grow Credit Services, and XXXX XXXX XXXX, and more, all totaling to over {$1000.00}. Nobody has been able to make any progress in resolving this issue. They can still not provide me with my report. I called Experian back, and spent several hours on the phone, moving up through super visors and speaking with different departments. They told my that the issue is that because my last name is a single letter ( This was legally done, all of my legal documents and banks show my name with a single letter last name, XXXX XXXX ) they are unable to provide my report, however if I use the name XXXX XXXX I can pull my report. They resolution that they provided me with was mailing me a copy of my report, with a name that doesn't belong to me, and is therefore rendered useless... I was screamed at by a supervisor for " Not listening and not following his directions by using the report they provided '' Keep in mind, they report the sent me is using a name, that is not mine, and I have no legal documents for... This has been an ongoing issue for over a year now, and I am at a complete loss as to how to move forward. I've been denied credit, loans, and housing, due to the fact that there is no credit report for me, when previously I had a credit report of well over XXXX.
Product: Student loan

This applies to both Private and Public loan service providers and is partly due to a significant gap in 34 CFR 685.204 concerning In-School Deferment and the National Student Loan Data System. Per 34 CFR 685.204, ( b ) ( 2 ) ( iv ), Student Loan custodians MUST process in-school deferments when they verify a borrower 's half-time enrollment status. First and foremost, this section should be amended such that the Student Loan originator MUST NOTIFY the borrower of their updated information and eligibility for In-School Deferment. At a minimum, the statute should include a mandatory notification to the borrower that they have been placed into In-School Deferment. I will now present an example of how the current process is predatory in nature : Educated borrower has graduated and begun making payments. They sign up for automatic bill pay with each Student Loan Originator and begin to pay down their debt. Years later, they decide to re-enroll to pursue a XXXX XXXX XXXX. They do not take out any additional loans. Unbeknownst to the borrower, the school supplies the borrower 's information to the National Student Loan Data System (  and possibly the National Student Clearinghouse ). The Student Loan Originator receives this information and as required by 34 CFR 685.204, ( b ) ( 2 ) ( iv ), moves the borrower into In-School Deferment. The Student Loan Originator has no requirement to inform the borrow of this transaction. While in deferment, minimum payments drop to {$0.00}, so no further payments are made. For borrowers with unsubsidized loans, their interest continues to build, with payments no longer coming in. So, through no action of the borrower and no notification to the borrower, the Student Loan Originator has increased the overall cost of the loan to the borrower, by a difference of potentially thousands of dollars. This is a predatory action. Any and all activity into and out of deferment should require written documentation and notification to the borrower. Additionally, Student Loan Originators should not be required to AUTOMATICALLY move borrowers into In-School Deferment. The action should instead be to notify the borrower to request permission to move their loan status to In-School Deferment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Charge Card Balance on XX/XX/XXXX XXXX XXXX - {$850.00} Payment Info Status date XX/XX/XXXX This past the 6-year statute of limitations to collect on an account required by Georgia law . I have asked them to remove it on more than one occasion and I have filed a dispute with the credit the MAJOR credit reporting companies.
Product: Vehicle loan or lease

On XXXX XXXX, XXXX my car was repossessed. I had to pay XXXX to get the car back in horrible condition. I advised Nissan I was making my payments and sent in my last XXXX bank statements providing proof. I then asked Nissan to send me a breakdown of my payment history. 

XXXX and XXXX I had issues paying with the app. It would take over a week for them to process the payment and on XX/XX/XXXX my payment was declined though the money was there to cover the payment. Because of this I was told by the customer service representative to pay directly through my bank using bill pay and this is where everything went wrong. My car was then repossessed XX/XX/XXXX and I had to spend {$1800.00} in order to get it back. {$1300.00} was applied to my balance and {$550.00} for towing fees. I recently received a statement from Nissan which showed the payments they found from my previous payments and I am paid up until XX/XX/XXXX and only owe a partial payment. 

I accept responsibility for not setting up bill pay correctly with my bank but Nissan kept my payments {$580.00} on XX/XX/XXXX, {$300.00} on XX/XX/XXXX and {$300.00} XX/XX/XXXX in their account, knowing the information did not match and did not send it back to my account. Because of this I was under the impression that I was up to date with my Nissan payments. Nissan should've returned all payments that do not match which in return wouldve signal to me there was a problem. Along with the unbalanced distribution to my principal and interest balance, missing payments and extra principal payments made on XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX totaling I was not only current on payments but ahead.
Product: Credit card

A fraudulent charge of {$210.00} was made on my account on XX/XX/23. I reported this as an " unrecognized charge '' immediately when it was posted. As I think most people would think, I thought reporting an " unrecognized charge '' would be considered reporting fraudulent activity. After a week or so I was curious as to why they had not canceled my card and issued a new one, so I logged into my account, and see that CITI misclassified this as a purchase dispute with the vendor, rather than a fraud dispute. I immediately canceled the dispute to resubmit as a fraud dispute, but the system did not allow me to resubmit a dispute, so I immediately called to have them fix the issue -- this was XX/XX/23. I was assured the issue would be fixed and that I did not have to make payment for the fraudulent charge. After two weeks of not seeing anything on my account to indicate the issue was fixed, I called again on XX/XX/23... they did not see anything to indicate the issue was in the process of being resolved based on my previous call and again assured me the issue would be fixed and that I did not have to make payment. I had a repeat of this exact same call on XX/XX/23, again on XX/XX/23, again on XX/XX/23, and on XX/XX/23. The due date for my payment for the statement including this charge was XX/XX/23 -- since then, I have been receiving calls almost daily stating that my account is past due. This issue has still not been resolved, and I'm just told the same thing every time I call : " I don't see that this has been reported as fraud, we'll get the case opened, you do not need to make payment while this is being investigated. '' CITI seems to not have any desire to resolve the issue.
Product: Debt collection

Central portfolio has been harassing me since XX/XX/2021. They call at all times of the day and night and will call back to back and text. What theyre asking for is not related to me, it is to a dead relative. The amount is XXXX.
Product: Debt collection

There was fraud made from Paypals that was linked from my banking acct. My bank has investigated the issue and XXXX XXXX  ( my bank ) credited the moneys lost back to me. Paypals investigated the issue and Paypal still says I have a balance and I tried to resolve this and explain that this was due to fraud. Paypal sent the debt to collections.
Product: Debt collection

Threatened to send my personal information to debt collection agency and collection agency send me bill triple then medical due amount.
Product: Credit reporting

When I pulled my TransUnion credit report there is my name on it but there is also XXXX, XXXX, XXXX. I do not know who this person is nor have I ever used this name.
Product: Vehicle loan or lease

I am filing this complaint on Westlake Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This is in regards to a loan I had with them for 1 month only, because I had an accident which was a total loss. I bought the car in XX/XX/2023, XXXX XXXX totaled it in XX/XX/2023. I had only made 1 payment in XX/XX/2023 when the accident occurred and XXXX XXXX paid off the loan of {$7000.00} and I had GAP coverage, which covered the remaining {$3000.00} and all documentation was sent by the car dealer to Westlake in XXXX XXXX. They have done nothing to find or verify the documents they've had for 3 months and continue to call 6 times a day to harass me for payment, even tho I've told them they have all documents. They have turned me in to collections with credit bureau, which I have disputed, but now my credit score has dropped significantly due to their negligence in not verifying my GAP coverage and claiming non-payment, which I have nothing to pay for, since this loan was paid off. I have emails from XXXX XXXX and XXXX as proof. Could you please look into this because my credit is being adversely affected and I'm tired of the continued harassment. Thank you. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 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 ) ( 1 ) A Person shall not any information relating 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

This is my third time complaint they keep responding that the complaint does not apper to be from me. This is an ongoing problem with Experian so I am sending the same request again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Experian XXXX. XXXX   XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX & XXXX XXXX ) 2. ( XXXX XXXX, XXXX & XXXX XXXX XXXX 3. ( XXXX XXXX & XXXX XXXX ) 4. XXXX XXXX XXXX XXXX  XXXX  & XXXX XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Debt collection

Well i was given a notice to vacate at XXXX apartments for violating the lease terms. They of course sent it to a collection agency named blakely witt. Now i expected to owe money but i didnt expect to have to deal with a bs company who posts XXXX what i owe on my credit report without trying to collect from me at all. So i decided to call them and ask how i could owe XXXX?! I definitely did not expect to be disrespected like i was. From the moment he started talking i knew they werent like any other debt collection agency i have ever dealt with. First off he just said hello. He didnt tell me who he was what company he worked for or that he was attempting to collect a debt. I know i called them but every other collection company did whether i called them or the other way around. To his defense though he wasnt trying to collect anything. When all he said was hello i said um hi my name is XXXX XXXX and yall put on my credit report that i owe XXXX and i would like to know what that is for exactly. So he started to read off the list and he said XXXX for rent which sounded high but possible then he said XXXX for damages and that sounded right. Then he said something about a fee for not providing proper notice. I said i was asked to leave in three days how can i leave 30 days notice in three days? He said that doesnt matter and i said yeah it does and then he said let me explain how a conversation works .... At this point i am pretty mad. Then he said a XXXX dollar collection fee. I asked what are you doing to justify that you have been on the phone with me for XXXX min and still havent tried to collect anything from me? He said it was in my lease. I said you arent helping and he told me im not trying to help you im trying to help my clients so i hung up. So then i decided i should go to the apartment complex for a copy of the lease. I asked for it and they took my number down and said they would call when they had it but of course they never did so a few days later i called them and they said they didnt have it anymore because they shred them after a year and i had to get it from blakely witt, but they have a list for what i owe so i got it and it said i owe XXXX something with collection fee included so i called blakely back. This time they asked my name and transfered me right back to the same guy who called himself XXXX XXXX. This time he refused to talk about the debt and just made fun of the way i laughed or something. I said ok whatever i just need a copy of the lease and an itemized list for what i owe emailed to me. He said he cant email only mail it i said i dont have a address because i cant get an apartment because of this debt he said call back when i had XXXX. I said fine here is my moms address but i dont think he wrote it down. Then iasked if he was going to mail it he asked " what of you think ''? Then i said please correct the amount and let me start paying on it and he told me i dont have money so i couldnt pay it then i asked what the amount he had was and he hung up.
Product: Debt collection

I suddenly began receiving notices addressed to a variation of my name from a " Covington Credit '' demanding that I contact them to avoid repossession. I have never heard of Covington Credit - know nothing about them. I believe it began about a year ago - I returned the first few notices - marked " Not at this Address - Return to Sender. '' They continued to send demanding notices - so I sent a note to them telling them that I had never heard of them, that I would file a complaint if they did n't stop harassing me with threats of repossession. A few months went by - then I received the latest - a demanding Settlement Opportunity to " get me started on the road to better credit. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XX/XX/XXXX To whom it may concern : TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Charge-Off [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Dear Sir/Madam, I am writing to dispute the charge-off listed on my credit report for [ XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  - XXXX XXXX ]. I have carefully reviewed my credit report, and I believe that this information is inaccurate and misleading. I kindly request that you investigate and remove the charge-off from my credit report as it is negatively impacting my creditworthiness. 

I am disputing the charge-off for the following reasons : 1. Lack of Validity : The information regarding this charge-off has not been properly validated. I have previously requested documentation from the original creditor validating this debt, but they have failed to provide adequate proof of ownership and verification.

2. Inaccurate Reporting : I have identified discrepancies in the reported dates, amounts, and details associated with this charge-off. I have supporting evidence, including bank statements and correspondence, which contradict the information on my credit report.

Based on the Fair Credit Reporting Act, I request that you conduct a thorough investigation into the accuracy and legitimacy of this charge-off. Please provide me with copies of all documentation supporting the validity of this debt, including the original contract and any subsequent assignment or purchase agreements.

If you are unable to validate the debt within the allotted time frame or find inaccuracies in the reported information, I kindly request that you remove the charge-off from my credit report promptly. I emphasize that I am seeking fair and accurate reporting as mandated by the law.

Enclosed with this letter, please find copies of the relevant documents supporting my dispute, including correspondence with the original creditor and any relevant account statements. I appreciate your attention to this matter and your prompt resolution.

Please provide me with written confirmation once the investigation is complete, along with any updated credit reports reflecting the removal of the charge-off. Additionally, please inform me of any actions you have taken or plan to take regarding this dispute.

Thank you for your assistance in resolving this matter. I look forward to a swift and favorable resolution. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for PayPal credit by Synchrony Bank and was denied instantly. I received  a letter in the mail citing "amount of collections." I have $XXXX collections, so this must be a mistake. I am wondering if they have the correct information.