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

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights under 15 U.S. Code 1681. 

XXXX XXXX XXXX XXXX - Account number XXXX, has violated my rights. 

The collection from XXXX XXXX XXXX XXXX - Account number XXXX is reporting on my credit profile in error. I do not own this account nor have i ever done business with this company. I do not have a bill with XXXX XXXX hospital. This company was verified on my report which would be a violation of my consumer rights and a hippa violation. 

15 U.S. Code 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

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.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I was alerted by my landlord that he hadnt received my rent for XXXX that I had thought I sent to him via XXXX on XX/XX/2024. Only to find that I had sent to someone else with the same first name as my landlord that I have no recollection of adding to my XXXX. I immediately contacted the bank and told them that something fraudulent is going on with my XXXX. They said they will look into it. I realize its the holiday, but it is XX/XX/XXXX and I havent heard anything else back. Ive sent {$3000.00} via XXXX to this unknown person and its stressful because my landlord is still looking at me for his XXXX rent payment and I dont have it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX , XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Experian XXXX XXXX    XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX , XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : 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 writing to formally request the removal of duplicate and inaccurate information from my credit report concerning an account listed under two different names. The details of the accounts are as follows : XXXX. Account with REVVI/MRV BANKS/VT** XXXX Account Number** : XXXX XXXX. Account with RESURGENT/LVNV FUNDING** - Account Number** : XXXX It appears that the same account is being reported under two different names, which is leading to confusion and inaccuracies in my credit report. Specifically, the account with REVVI/XXXX XXXX shows a charge-off status with a XXXX balance, while the account with XXXX XXXX  shows the same amount as a collection account. This duplication is misleading and does not accurately reflect the status of the account. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ), I am entitled to request that any inaccuracies or incomplete information on my credit report be investigated and corrected. The law requires that the credit reporting agency conduct a reasonable investigation and rectify or remove any erroneous information.

In accordance with the FCRA, I request the following actions : 1. Immediate Removal : Remove the duplicate account entry for XXXX XXXX  from my credit report, as it duplicates the information reported under REVVIXXXX XXXX. 
XXXX. Verification and Correction Ensure that any remaining information concerning this account is accurate and consistent with its final status. 

I am including relevant documentation to support my request. Please review this information and update my credit report accordingly. If further information or documentation is needed, please let me know. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that the duplicate entry has been removed and my credit report corrected as per the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has has violated my federally protected consumer rights to privacy and confidentiality under USC 1681XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX 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.C1692C Section ( a ) Communication with the consumer Generally : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report that show inaccuracies. 

List of accounts showing inaccuracies XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

As of XX/XX/2018 a XXXX account was added to my credit report in the amount of {$240.00} i contacted the original creditor to provide validation. i've never had a XXXX account
Product: Credit card or prepaid card

I had two credit cards with Capital One, each with a {$500.00} limit. The limit was never exceeded, and each month the payment was made in full. After about 5 months of having the cards ( or less? ) Capital One closed both of my accounts in XX/XX/2022. 

I looked up the cardmember agreement, it says it can close accounts for any reasoner permitted by law. I don't know what the reason was, as when I called they would not tell me. 

Even when the accounts were closed I payed the remaining balance in full, immediately. 

When Capital One closed my accounts, they reported it to the credit bureaus and because it was card issuer closing of the account it brought my credit score from XXXX to XXXX! Now I can not get any credit card anywhere! 

This is not how companies should be allowed to do business.
Product: Student loan

My loan servicer was XXXX up until XXXX of 2017. XXXX based my payments off of my tax return as that is a better indicator of my financial situation and had me paying about {$40.00} a month. However, when I consolidated my loans through NelNet, I was not given the option to submit my XXXX, nor was I really given the option of seeing what my payments would be until after they closed out my loan with XXXX. In XX/XX/XXXXI received my first NelNet bill which {$120.00}. I contacted them and was told to resubmit my application for IDR and submit my XXXX with it. A month or so later I was sent a bill with {$120.00}. I contacted them again and was told that I should have sent in my XXXX with my original application back in XX/XX/XXXX. I explained to them that I was n't given the option, but they said this was a law. I then contacted them again in XX/XX/XXXX and was told to resubmit ANOTHER application for IDR with my XXXX and my payments would be around {$40.00} a month. A week later I was sent an email saying they could take my XXXX. 

I have talked to other loan servicers and they said they have never heard of this law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got my first free annual credit report and found that someone opened up like 5 credit cards under my name and there were a bunch of other things that i'm not aware of that appeared on the credit report.. I think they were the guy trying to get credit cards from other companies but getting denied by them ... idk what to do can you please help me asap..!
Product: Debt collection

HI, i have summited stolen identity report before but still affected my credit but in the grace of God i was able to buy my house here in XXXX ill and now im applying for a very good job career and i dont want this to affect me, they were many companies charging me for credit cards also light bills, gas bills and phone bills in other states, ic systems was the last one i remember and the amounts were many too, XXXX {$500.00} , XXXX $ and other amounts, i hope this doesnt affect me in continuing my dream career as a public servant with one of the most respectful federal companies in the world. thanks.
Product: Credit reporting or other personal consumer reports

Agreed to cosign on a car loan for my sister through XXXX universal acceptance. We made a payment on XX/XX/2023 and another payment on XX/XX/2023, which is a 14 day difference, however, XXXX is reporting that XXXX payment was more than 30 days late. 

XXXX is reporting that from XX/XX/2023 to XX/XX/2023 is a 39 day difference. My issue is that I have disputed this with all three credit bureaus, XXXX, XXXX, and Trans Union, but because XXXX is verifying that the payment is more than 30 days late, the credit bureaus will not remove the derogatory remark. I have provided XXXX, XXXX and TransUnion proof that the payment was not more than 30 days late by providing bank statements and screenshots of payment history from XXXX. 

I have provided clear evidence that XXXX is not providing or verifying accurate information yet XXXX, XXXX and TransUnion are still honoring the inaccuracy as I have disputed the derogatory remarks multiple times and provided proof. 

The proof that I have provided should Trump whatever XXXX is verifying via word of mouth. If I have the evidence and I can prove that there is a discrepancy, that should be enough for XXXX, XXXX and Trans Union to remove the derogatory remark for my credit report but because XXXX, XXXX and TransUnion will not remove the inaccuracy even after I have disputed the inaccuracy and provided proof, I have decided to file this complaint with the consumer, financial protection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act TRANSUNION 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 account without my written instructions. There are inaccuracies on my account that needs to be removed. Listed are fraudulent address that are not mine. 

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

I have already told this company I never opened this account with them and its still in my report
Product: Credit reporting or other personal consumer reports

Certegy Payment Solutions , LLC continue to violate The Fair Credit Reporting Act by using false information that is incorrect, inaccurate and false to XXXX, which result in the denial of financial services. This action cause financial hardship, emotional distress and sever financial suffering. 
Attempts to contact the company representative has been met with phone calls being disconnected. 

I have attached a transaction receipt that was processed on XX/XX/24, which provide proof of the violation. According to Certegy Payment Solutions , LLC own statement, as follow " This transaction received a decline recommendation from Certegy because it did not meet the acceptance guidelines, which may vary by check cashing location and transaction. Factors may include a combination of : the check number, dollar amount, check cashing history, or other transaction details. Although this recommendation is final, we will evaluate all future checks at the time they are presented. Another option to cash this check is to visit the financial institution listed on it. '' The company provide no guidelines to customers, it's cashing location have no documentation or explaination, but refer me to contact the company. 
The company refuse to provide the do any information, such as the check number, dollar amount, check cashing history, or other transaction details, which it uses to deny the financial transaction. This behavior is no less than that of a criminal organization!
Product: Student loan

On XX/XX/XXXX I decided to consolidate my student loans. They were in an IDR product and SAVE. Prior to that I was in Repaye. The consolidation was to remain in the same product. Aidevantage was unable to keep the loans in the SAVE product due to the federal government and the courts. Instead of declining the consolidation loan they processed it putting me in a standard repayment plan. The first statements I received from them stated that if you applied for an IDR disregard this statement as it takes longer to process IDR. They never stated that they were not able too. 

Then the next statement came and it was a high amount due XXXX. 

I called on XX/XX/XXXX and was told that they were unable to put me in IDR and that I could pick a different plan and pay them. I told them this was a bait and switch and requested they cancel the consolidation. 

I received a letter on XX/XX/XXXX stating that request was denied. I called again and requested to appeal that denial. The person at aidevantage told me it was no big deal to stay with them as my account was in a forbearance and being charged interest. And that even in an IDR plan I would have interest. 

I called the XXXX  and they told me that information was false. That the loans in the IDR and SAVE plans are not being charged interest. They also stated that the student loan servicer is able to decline the consolidation. 

I called aide vantage, again. This time asking for a supervisor. The person stated that after about 10 minutes of holding no supervisor was available. She was able to, at my request, put in a request that my loans not be charged interest. She stated a supervisor would call me back. Its been 24 hours and no call. 

This company is 1 ) not following a federal injunction to pause student loan interest 2 ) acting without integrity taking my loans out of the protections of IDR - the right thing to do wouldve been to not consolidate 3. ) not giving forthright information to the consumer in a timely manner. They said I had 10 days to request this cancellation but didnt notify in that time frame that they werent able to provide an IDR plan or SAVE. 

Thank you for your assistance. I can provide additional information or clarity if needed
Product: Credit reporting or other personal consumer reports

I filed a police report over a year ago when my wallet was lost in XXXX XXXX. My report number is XXXX and since losing my wallet which contained my ID and SS card, I have had multipule Credit Cards opened in my name and have acquired a large amount of debt. I did not autherize the use of my SS # and my personal information to open new lines of credit within the last 24 months. 

I just pulled my current Credit Report and i found a bunch of inaccurate information! 

According to the Fair Credit Reporting Act ( FCRA ) : The Fair Credit Reporting Act ( FCRA ) ( 15USC1681-1681u ) which federal legislation gives consumers the right to dispute incomplete or inaccurate information. 

My current report is reporting inaccurate addresses and personal information that is linked and connected to credit card accounts in which i did not authorize! 

Inaccurate Info ; XX/XX/XXXXNV XXXX XXXX XXXX XXXX XXXX, NV XXXX These are the accounts that are reporting inaccurate information. I do not have any affiliation with these nor did I authorize my SS # to be used. 

XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This fraudulent account was removed, then reinserted under a different name which is illegal, under my rights and protected by law, please remove this fraudulent account from XXXX, then sold and then sold again
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting my XXXX old credit card account incorrectly. Paid XXXX XXXX {$350.00} to settle in full the {$800.00} balance on XXXX per XXXX instructions. I have a letter dated XXXX from XXXX stating I have a XXXX balance with XXXX XXXXXXXX XXXX acct ending in XXXX after my payment. The letter also states the account is now settled in full. I uploaded this letter to Experian, but they would not delete the incorrect info on my account saying I have a {$430.00} balance left on the account and they did not put settled in full on my XXXX account on the credit report. I disputed both online and via phone again on XXXX with no change. Yet both XXXX and XXXX updated my account correctly within 3 weeks to {$0.00} balance and settled in full and my scores went up. My XXXX credit report is lowered due to incorrect reporting. Please fix asap!
Product: Debt collection

XXXX XXXX XXXX is garnishing my wages and filed for courts to do so on XX/XX/2018. I was not notified by courts nor addressed to appear in courts to dispute credit costs. I called company and no answer on ability to prove original amount of debt that was owed. The company has increased a XXXX dollar owed store credit card amount to over XXXX dollars and my wages are being garnished at 25 % of my paycheck. 

I had no phone calls, letters nor warning for debt collection. Now, I am struggling to pay my bills and stay in my apartment. I cant believe companies can increase debt owed and just destroy your credit reputation. I am at a loss and just do not have faith in becoming a success in this country. I just dont know what to do and feel helpless and vulnerable to companies like XXXX XXXX.
Product: Debt collection

In XX/XX/XXXX I took my dog to XXXX XXXX XXXX. It was supposed to be a free visit because I adopted her from the animal shelter but while there I let them guilt me into all sorts of other things she needed and they put me on a payment arrangement with post dated checks. I had it down to {$40.00} owed still with that split into two more checks when my bank account was compromised and drained. I called them immediately to cancel those checks. A week later my dad and cousin died and dealing with the funerals I forgot to get back with them. The vet then tried to cash the checks anyways and charged me NSF fees since the checks didnt go through then sent a balance of {$170.00} to H & H legal to collect the debt. H & H called me one time to collect the debt and I told them I didnt have it as I had to borrow money and spend all my money on my dads funeral and was homeless at the time. They then took it to small claims court, added a bunch of fees to it, when I was served papers I begged and pleaded with them to allow a payment arrangement instead of going to court or let me call in or change court date as I was on strict bed rest. They refused so they won their case because I didnt go to court, I was never set anything with my new balance. H & H then had two additional court dates that I was never notified of at all that thy added attorney fees and court costs for because I didnt show up. We then had court on XX/XX/XXXX that I was finally notified of so they could get employment info to start garnishing, they showed up an hour late to court and asked my info, due to health reasons I dont work because I was in a bad accident. I asked th that day to send me an itemized statement since they have all these other fees added and to set up a payment plan. They said theyd send my statement and that it includes initial balance, interest, attorney fees, and court costs. The initial small claims docket says they only got the XXXX plus attorney fees and court costs. Nothing about interest. To this day ( XX/XX/XXXX ) I have asked via writing and in person 7 times in writing and once in person for a statement and have been ignored every time or told they would send it and they still havent.
Product: Checking or savings account

XXXX l plus dollars they closed my account the would not refund my and I had I a XXXXXXXX XXXX  with the my employer I do not have access to accounts
Product: Debt collection

The original debt was a result of an unlicensed loan in Kansas back in 2015. The company allegedly sold the debt to Security Credit Services , LLC. They I turn are saying it doesnt matter if the ordinal loan was illegal. They are listing it on my credit report until I pay them. They refuse to provide me with proper debt validation an think federal law doesnt apply to them.