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

I have a 30 days late payment XX/XX/2018 XXXX XXXX   XXXX.I was in shock because I was never late in my payments.The information is incorrect.
Product: Credit reporting or other personal consumer reports

Equfax credit report. Request verification to make nessary charges on the account to remove information that doesn't belong
Product: Vehicle loan or lease

I XXXX XXXX XXXX am a consumer pursuant to 15 USC 1692a ( 3 ). This is a notice to Foursight Capital that it is my intention to invoke my right to rescind the contract that was created on XX/XX/XXXX in between I, XXXX XXXX XXXX, a consumer and XXXX XXXX XXXX, and then assigned to Foursight Capital as an assignee creditor. 
Pursuant to 15 USC 1635 ( a ) Disclosure of obligors right to rescind Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. 
I was never delivered the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter.

Pursuant to 15 USC 1635 ( b ) Return of money or property following rescission When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Chapter XXXX Bankruptcy on XX/XX/XXXX. XXXXXXXX XXXX, who I have my mortgage through, did not reaffirm and it was discharged in my bankruptcy on XX/XX/XXXX ( copy of discharge attached ). 

In preparation to lease a new vehicle, I ran my credit report and saw that XXXXXXXX XXXX has been reporting my current payment history and balance of my mortgage loan on my credit, which is a direct violation of my bankruptcy discharge. 

I disputed it with all 3 credit reporting agencies. XXXX and XXXX changed my reports. Experian sent me the results of my dispute stating that XXXXXXXX XXXX  is reporting properly on my credit. I disputed it again and receive the same result 2 days later ( both dispute result notifications are attached dated XX/XX/XXXX and XX/XX/XXXX ). 

On XX/XX/XXXX I sent a letter to XXXXXXXX XXXX requesting that the payment history of my loan be removed after XX/XX/XXXX, when my bankruptcy was discharged ( letter is attached ). 

On XX/XX/XXXX I receive a reply letter from XXXXXXXX XXXX stating that they would correct the reporting and show that the loan was closed on XX/XX/XXXX. This is not correct. The debt was discharged on XX/XX/XXXX. 

As of today, XX/XX/XXXX, XXXXXXXX XXXX  has failed to updated my credit report. Experian still reflects XXXXXXXX XXXX with a balance and is showing my current payment history on a discharged debt that I have no personal liability for ( copy of what the XXXXXXXX XXXX listing on my Experian credit report looks like attached ).
Product: Student loan

I was unemployed in 2012 and filed for deferment of my federal and private loans and completed all paperwork as requested. XXXX XXXX XXXX properly deferred my federal loans but did not apply the deferment to my private loan and did not inform me that the private loan was not deferred. Due to this they defaulted my private loan, despite me completed all of the required paperwork. I was never informed that this could not apply to my private loan. This situation has caused me much financial hardship since and has been a very large burden to deal with, despite being employed now. I am demanding that XXXX XXXX XXXX, XXXX XXXX XXXX and or whatever collection company is involved, restore my private loan back to a current status, as well as restore my past credit history to reflect my loan not having entered a default status, being that it was due to the negligence of XXXX XXXX XXXX that my loan defaulted and not any fault of my own. I have made multiple attempts to try and get this situation resolved ; however, I have not received any correspondence addressed to me despite the fact that I have attempted to reach out multiple times to all parties involved and XXXX XXXX XXXX always being aware of my new address. I am requesting an immediate restoral of mine and my co-signer 's credit to a positive credit reporting, as well as an opportunity to resume reasonable payments to my account as long as it is not made in a negative status. If this matter is not corrected in an appropriate and ethical manner, I have already seeked out an attorney and will proceed to pursue this matter legally.
Product: Checking or savings account

I have been a Citibank debit card holder for around 1 year ( opened XX/XX/XXXX ). On XX/XX/XXXX I was restricted from accessing my account. I called technical support to see what the issue was. I was told " my account is subject to closure and you will receive a letter in the mail along with the funds in 30-60 BUSINESS DAYS. '' THIRTY TO SIXTY BUSINESS DAYS ... That is a long time to hold onto my funds without giving me a reason as to why my account is closed. 

Since then, I have tried to contact them on multiple occasions. On these dates, I called different citi departments who routed me to the risk department department ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

On each occasion, I verified my account, was told I would receive the letter in the mail in 30-60 business days and that they were going to hang up now because that's all the information they could provide. 

Why can I not get an answer as to why my funds are on hold and account is closed?
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!!

Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer.

NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!
Product: Credit reporting or other personal consumer reports

My student loan balance is current XXXX and paid in full. My rental company also reports my payments as timely every month yet the companies have the balance as incorrect for the student loans that went from {$100000.00} owed to {$0.00} ( XXXX  ) dollars owed. There was no score increase for such a large debt to removed. The monthly rental payment of {$1300.00} is also not showing as reported either
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX continue to receive calls from " Astra Business Services '' XXXX, stating I owe money from XXXX XXXX XXXX from 2011. The person on the phone had an old address, and the last XXXX digits of my social security number. They requested my new address which I did not give them. I called XXXX XXXX XXXX and verified that I never had an account with them under my name and had no outstanding debts.
Product: Credit reporting or other personal consumer reports

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION BEING FURNISHED TO MY CREDIT REPORT AS LATE PAYMENTS. 

ACCORDING TO 15 USC 1681A ( 2 ) I, TRANSACTIONS AND EXPERIENCES ARE TO BE EXCLUDED FROM A CONSUMER REPORT, AND FURNISHING A LATE PAYMENTS IS CONSIDERED A TRANSACTION AND EXPERIENCE. FURNISHING THIS IS IN VIOLATION OF MY CONSUMER RIGHTS.

I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681 ACCORDING TO 15 USC 1681I ( 7 ), EACH BUREAU MUST PROVIDE THE FOLLOWING PROTOCOL OF HOW THEY CONCLUDED THIS INFORMATION. WHICH HAS NOT HAPPENED, SO NOTHING HAS BEEN VERIFIED OR VALIDATED.

LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 1681E ( B )
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the following account listed on my credit report, which is impacting my apartment search, loan applications, and payment installments : XXXX XXXX ( Account : XXXX XXXXXXXX XXXX ) According to the Fair Debt Reporting Act ( FDRC ), I am entitled to an accurate credit report. However, there are discrepancies with this account that render it unverifiable and necessitate its deletion. 

DISCREPANCIES 1. Name on file is XXXX XXXX. My name is XXXX XXXX XXXX XXXX 2. Late payment on file ; I have a letter stating there's no delinquencies on the report Thank you for your prompt attention to this matter.
Product: Student loan

There is an issue with  Navient 's websi te where their site throws an error every single time I try to make a payment on  XXXX  of my loans. I have reported it to the company twice now, and this is the third month in a row where I have gone to make a payment and the site errors. What 's more, because my loan is technically in deferment and no payment is formally due, I can not use their automated phone system to make a payment, as it will not allow you to make a payment when no payment is technically due. This means I have to call their customer service center every month when I want to make a payment, which entails waiting until their call center is open, calling their service center and navigating menus, waiting for an associate to take my call, explaining the problem to them yet again, looking up my routing/bank account number to read to a total stranger, etc.. This presents an unnecessary barrier for my loan repayment.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that appears on my Equifax credit report. I am asserting my right. 

While comparing my Equifax and XXXX credit reports, I discovered several discrepancy regarding the DATE OF LAST PAYMENT. 


XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) The FCRA was enacted to protect consumers from the inclusion of inaccurate or outdated information in their credit reports and gives consumers the right to dispute such inaccuracies. 
Section 611 ( 15 U.S. Code 1681i ) - Procedure in case of disputed accuracy : This section requires credit reporting agencies to investigate disputes within 30 days and to correct or delete any inaccurate, incomplete, or unverifiable information.

Section 609 ( 15 U.S. Code 1681g ) - Disclosures to Consumers : This section entitles you to receive a copy of your credit report and any information contained in it.

Section 623 ( 15 U.S. Code 1681s-2 ) - Responsibilities of Furnishers of Information : This section mandates that data furnishers ( such as creditors ) must report accurate information and correct any errors promptly once notified of a dispute.

Fair and Accurate Credit Transactions Act ( FACTA ) An amendment to the FCRA, FACTA provides additional consumer protections, such as the right to obtain a free credit report annually from each of the three major credit bureaus.

Specifically, on my Equifax report, the date of last payment is listed as XX/XX/XXXX while on my XXXX report, the date is listed as XX/XX/XXXX. This inconsistency is affecting the accuracy of my credit profile. 

Please investigate and correct this error. I have enclosed a copy of my Equifax and XXXX reports for reference, discrepancies.
Product: Debt collection

I signed a gym contract with XXXX XXXX XXXX XXXX, XXXX XXXX for a year of gym membership which ended on XXXX XXXX, XXXX. The gym membership according to the contract can not be renewed without me going in person to the gym to renew it, sign another annual contract and being issued a new membership number. According to the contract, the annual membership can only be renewed on a month to month basis if I was paying monthly dues at the time of annual contract expiration. Since my bank re issued a new debit card with new chip my payment for 2 months did not go through. I was not paying monthly dues after XXXX XXXX. I have an outstanding amount of XXXX XXXX and XXXX XXXX to be paid to the XXXX XXXX XXXX of {$160.00} in total. 

The gym sold my info to a debt collection agency called Williams , Alexander & Associates XXXX XXXX XXXX XXXX, XXXX NJ - XXXX with a debt collection against me of {$740.00} on XXXX XXXX XXXX. I sent a certified post through USPS to dispute the amount but the letter has been returned to me. No one received it. The agency sent me a second letter on XXXX XXXX XXXX with a second debt of {$870.00}. 

When I called them on XXXX XXXX XXXX, I was informed that I need to pay $ XXXX {$870.00} now. My original debt of {$160.00} outstanding with XXXX XXXX XXXX XXXX has been misrepresented. The debt collection agency - Williams , Alexander & Associates has reported derogatory bad credit on my credit score which came down from an average of XXXX ( for over a year ) to XXXX despite my disputing the amount.
Product: Payday loan, title loan, or personal loan

I recently discovered that my spouse had applied for a XXXX loan with Lending Club and had listed me as a XXXX without my knowledge or permission on XX/XX/XXXX. I was unaware of this until I noticed that my credit score had dropped dramatically and I found it on my credit report. I contacted Lending Club and spoke with XXXX on XX/XX/XXXX to question how I ended up on the loan. He told me that my spouse had listed me as a XXXX. The money was deposited into his individual account so I was unaware that the loan was taken out. I believe that I should not be held responsible for the loan since I was not given the opportunity to review the terms of the agreement, or the Truth in Lending Disclosure. Additionally there was a Consent to Electronic Transactions and Disclosures which I did not sign or to agree to. Lending Club made no attempt to send me these documents by email, through regular mail, or reach me by phone to verify my status as XXXX. If an electronic signature is used to obtain consent and finalize the loan, then the signatures on the required documents should be sent from the email from the person who is entering into the contract. Lending Club was negligent in creating one single electronic contract with both the XXXX and XXXX  XXXX 's names to which only the XXXX could access.. Lending Club did not make any reasonable attempt to verify that I wanted to be a XXXX and in fact did not even have my email until I called to ask to have my name removed from the loan on XX/XX/XXXX. It seems as if Lending Club has no safeguards in place to verify that the application is not fraudulent. If a loan is closed in person, photo id is requested. What did Lending Club do to verify the application? I believe that even though I am the spouse I still have the legal right to review my responsibilities as XXXX-XXXX. Lending Club operates under the impression that it is acceptable to assume that the XXXX is in agreement with the terms of the loan, even though his or her electronic signature arrives through the XXXX 's email. It is certainly not the norm for spouses to share an email.so this serves as evidence that Lending Club 's practices are very weak and risky. I am asking that my name be removed from this loan. Lending Club is free to take whatever legal action they deem appropriate against the XXXX who submitted the application.
Product: Debt collection

I was contacted by a company called " Portfolio recoverys. '' I've made no contacts or arguments with this company. They say I owe {$760.00}. I need this removed from my credit immediately. 

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

XXXX, equifax, and XXXX are reporting fraudulent accounts on my credit profile.
Product: Credit reporting or other personal consumer reports

The following inquiries were not authorized by me and I request removal : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And I am demanding the removal of the address XXXX XXXX XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied my XXXX direct PLUS loan because of identity theft. There are two accounts ( XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX - sent to the Best Service Company for debt collections ) that are preventing me from getting my loan. 

I did not make these accounts, and someone is impersonating me ( they have a fake identification with my name and birthday, and they have my social ). 

I am scheduled to graduate in XXXX, but I will have a hold on my account as I am using loans for school and can not pay tuition due to these holds. 

I have filed complaints regarding all of these companies, and I have also filed police reports with the XXXX Police Department ( I am from XXXX ). 

The accounts were all made in XXXX, CA. The person impersonating me/who has stolen my identity has several outstanding payments ( XXXX XXXX, XXXX XXXX XXXX XXXX ) and deposited counterfeit checks ( to XXXX XXXX XX/XX/XXXX and XX/XX/XXXX totalling to be {$57000.00} ). 

I have an investigative specialist through XXXX ( XXXX XXXX | Restoration Specialist T : XXXX ) who is aware of all of this and is working on my case. 

Until this is resolved, I can not get my loan for school and therefore can not graduate. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX student at XXXX University ( online ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased an item from XXXX using the flex pay method and set up the auto pay using my banking information. They extracted the amount and then returned it saying that my bank cancelled the payment which is untrue. I then received a notice from one of the credit report websites stating that my score had been reduced, I had been subjected to a previous incident under the same circumstances and was able to get the matter resolved when I contacted XXXX XXXX XXXX, they said I needed to write in which I disagree with because the error ( if there was one ) is their fault and I should not have to go through this process because of their fraudulent practice. The interested suddenly increased to 28.90 % which again I should have not be subjected to. I thought that XXXX was a reputable company until this incident took place. I am therefore requesting your intervention in this matter and that my credit score be restored to its ' previous value. I also want CFPB to know that I paid the full amount before contacting your agency and asked that my account be closed because I do wish to be in business with companies that do this bait and switch method of business. Thank you and I look forward to hearing from you in the future regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 XXXX XXXX XXXX XXXX tradelines that are showing as negative. Both are installment loans and both are confirmed last paid in XXXX with dates of last activity of XXXX as recently as XXXX. XXXX/TRANSUnion/XXXX have willfully and knowingly let this creditor RE-AGE THIS ACCOUNT which is illegal. 

Both of these accounts are STILL showing on my Credit Report after 8 years of date of last activity. Additionally, they will not respond to any letters by US Mail requesting debt validation with specific dates. They have over 30 days to respond and letter sent out over the past 4 months have gone unanswered. 

I need XXXX/TransUnion and XXXX  to immediately delete this accounts or risk immediate state and federal lawsuit for financial harm and willful/deliberate violations of the Fair Credit Reporting Act. How can these powerful, multi-billion dollar profitable companies have more compliance and hire personel to monitor and now allow for tradelines to re-age very very old tardiness. These credit bureaus are completely liable. 

I have already filed a complaint with the Florida 's State Attorney Office and have already been in contact with a Law Firm ready to file legal action against these 3 credit bureaus. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections and charge off. I have tried numerous times to have this situation resolved with no resolutions.. Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX ; Accounts : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Student loan

I have been paying on my loan for over 10 years now and don't see the balance go down. I can't get anyone on the phone to have my payments during the pandemic go interest free or get information about the recent {$10000.00} relief as I make under {$120000.00} a year and or {$250000.00} jointly.