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

The account of XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality. 
15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 604 A section B. States a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C inaccurate credit reporting directly impares and undermines the banking system and public confidence. 

I would ask and recommend that XXXX XXXX ACCOUNT be takin off of my credit and consumer reports immediately.
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 violated my federally protected consumer rights to privacy and confidentiality under 15 use 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX us dept. of ED/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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights. 
15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C.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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

TRANSUNION is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting TRANSUNION to provide the documentation used to determine inquiry was indeed authorized by the consumer, TRANSUNION has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if TRANSUNION does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. TRANSUNION 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 forms to audit consumers account. 
TRANSUNION is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit card or prepaid card

Chase marketed their Chase Shappire Preferred Card as a 12 Month 0 % APR Credit Card. Instead of delivering on that promise, they defrauded me by giving me a debt intrument that realistically could never be paid back.
Product: Credit reporting or other personal consumer reports

There are inaccurate account information on my reports that do NOT match with my records or with other consumer reporting agencies thus proving the inaccuracy. See attached exhibits. The XXXX [ Account XXXX XXXXXXXX ] has a payment status inaccuracy where one agency is reporting 120 days late and another 150 days late while also having unmatching monthly payment status. See XXXX exhibit attached below. Next is the XXXX XXXX [ Account # XXXX ] is showing not a single late payment on XXXX which matches my records but XXXX and Equifax is reporting monthly 30 day lates which does NOT match my records.
Product: Student loan

Navient is ruining my life. They wo n't let me re-enroll in an income-based repayment plan because my cosigners need to give financial statements. However, the last time they did it made my monthly payment go UP even though none of them are willing to help me pay. I spoke with a rep at  Navient  who told me if my cosigners call and say they are 'unwilling ' to help, she will change my payment based on only my income. Then I was told she did n't have authority and it went back to the original amount. I now have no means to pay and they wo n't put me in income based, let me put in forbearance, nothing. I told a rep that it 's effecting my mental health and physical health -- -- I ca n't even afford groceries and she responded that 's not her problem and it 's a personal problem I should have with my cosigners. I spoke with the head supervisor, she too said they are unwilling to help. I was denied from student loan refiancing and I have slim options to anything else at this point. Navient right now has me paying for 8 more years, I asked them to stretch it to 30 years - they wo n't let me do that. They are disgusting and this ca n't be ethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights according to 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. 

Please delete this account from my credit report. 

1. Account Name XXXX XXXX XXXX XXXX Account # XXXX 2. Account Name : XXXX  XXXX XXXX  XXXX Account # XXXX 3. Account Name : XXXX  XXXX XXXX Account # XXXX 4. Account Name : XXXX XXXX  Account # XXXX 5. Account Name : XXXX  XXXX  XXXX  Account # XXXX 6. Account Name : XXXX  XXXX XXXX # XXXX Account # XXXX 7. Account Name : XXXX XXXX  Account # XXXX
Product: Credit card or prepaid card

I was a loyal Best Buy credit card holder for years. I used my in-store credit to make purchases at Best Buy, which also let me pay with no interest on certain items, very handy. Last year Best Buy, in conjunction with  Citi, enabled these Best Buy in store cards to morph into a credit card. Here lies my issue ... .no action needed on my part. So, after forgetting about the issue, my card turned into a Citi Visa able to charge wherever Visa accepted.  So of course I used it ... my interest rate is 24.99 %. I find this wrong, in that, by letting them use the no action on my part, to constitute permission, to turn my in store card to a credit card usable anywhere. Here, guy with a drinking problem, here is a bottle of  XXXX   XXXX , you do n't have to use it, but feel free to if you want to!!   This should be illegal ... ONLY with a customers consent should they have been able to do this switch, not just because of inaction on my part. I would have done nothing otherwise. My credit is good, I have no issues paying for this ... but, its wrong. Wrong on top of wrong. Doubt guys at  XXXX   XXXX  thought much of what they were doing at the time as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX # XXXX, XXXXl XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous attempts to contact Capital One Auto Finance regarding multiple errors in account management, account maintenance, and reporting they still refuse to follow the law and correct my credit report. The office of the President has made a haphazard effort in resolving this matter and tried to circumvent the law in this case. No one asked for a poorly written letter of fault, but no action. I asked for proof. Proof of these payments being late. SHOW THE STATEMENTS dating back from XX/XX/2020. 

Violation one- I mailed my first complaint about this issue and capital one acknowledged and received the first complaint XX/XX/2020. I received no response or proof that this account was late. It should have been deleted after 30 days. Nothing was done. 

Violation two- I contacted them via fax before XX/XX/2020 after speaking with their manager who acknowledges the capital one made a mess of my account. No response was given. 

Capital one locked me out of my accounts making it difficult to make payments on the account, but still I had to finagle multiple calls making blind payments despite having no access to my records, statements, balance, or status. 

I have a 5 day grace period from the XXXX of each month. SHOW THE PROOF OF THE LATE PAYMENT. And not a secretly manipulated BACK DATED docuement, but the truth-in lending statement of account sent to me about the balance of this account, the payments made and the next payments due. Pay close attention to my experian credit report. THEY REMOVED THE LATE PAYMENT FROM THE NOTES, but not from the history. Stop covering up all the numerous accounting mistakes and stop being vindictive.
Product: Debt collection

I recently had a debt removed from my credit report. It was removed but also put back on. I did not receive a notice from the company that is was going back on my credit report.
Product: Debt collection

InXX/XX/XXXX I received a dunning claim from XXXX, PA, XXXX XXXX XXXX XXXX, XXXX Florida XXXX on an account and debt that were not mine. I responded in writing denying both the account they referenced and that any debt was due from me. Today, XX/XX/XXXX, I have received the identical dunning claim from RAS LaVrar , LLC, XXXX XXXX XXXX XXXX, XXXX Florida XXXX with the assertion they had " purchased the assets of XXXX XXXX XXXX ''. This seems an obvious, bogus corporate left hand-right hand game with an attempt to collect debts that they know are not legitimate. They need to be put out of business.
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my PayPal account for earning money from those earning apps like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX used it to make a trade in tirlu.com. My PayPal account is XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless. 

For Identity verification, I attached my Valid ID. Please see attachment
Product: Debt collection

These affirm account are not mines. I am a victim of identity theft. I disputed these accounts before and did not receive any information to validate these accounts
Product: Mortgage

Please help me. I have tried for over 6 months to get a modification with Ditech and was finally told they had everything they needed two days later I got a denial letter stating they were n't approving my modification because my hardship was n't temporary. Sir I had a hardship last year that is now resolved and i have the ability to maintain this mortgage. I have the past due funds for ditech and they agreed few months back to take them but started foreclosure and now there are attorney fees. I have had to hire an attorney now myself and this money could be applied to my mortgage, I have a very small past due amount at this time with ditech and I have appealed the denial letter in a timely fashion. I have done everything asked and I still need help getting this issues resolved before mediation in XX/XX/XXXX.
Product: Debt collection

In review of my major CRA credit reports, I discovered XXXX XXXX XXXX ) collection accounts claimed by Portfolio Recovery Associates for delinquent credit card debt that should have been expunged from CRA reports no later than last year due to the " 7-1/2 year '' rule. In each instance, the collection agency " re-aged '' the debt to establish a new Date of Delinquency, obviously coinciding with the actual assumption date.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've disputed this account many times. The information is inaccuate. This agency is violating my Consumer rights by using false misleading, misrepresentation, and deceptive means.I have made numerous attempts to fix these issues directly with them.They are violating my rights and I'm entitled to {$1000.00} for every violation, they either pay me or delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a hard inquiry on both my XXXX XXXX credit reports XXXX XXXX and XXXX
Product: Student loan

I was robo called by a XXXX party ( The Student Loan Help Center ) to help me with my student loans. As a XXXX in a XXXX XXXX district, I knew I was soon eligible for up to {$5000.00} loan forgiveness. Assuming that was why these people contacted me, I agreed to pay a one time fee of {$590.00} dollars so this company ( who I thought was affiliated with the department of ed. ) could alter my repayment program. Apparently this service is offered for free directly through my lending house ( XXXX ). I have since worked with them to not only enroll in a new type of payment program, but also to file a complaint with them as well about these poor/unethical business practices. I 've since filed a complaint with the XXXX and have contacted my XXXX. I would like to be reimbursed for services that were A ) never necessary and B ) never rendered.
Product: Debt collection

I paid the debt, and received documentation confirming the debt was paid in full. but the debt has not been removed from my credit report. when i called the creditor they advised me to call the collector. when i called the collector they advised me to call the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my consumer reports for Equifax i never gave them permission to furnish my credit report I also have been violated multiple times I have called I have written and they fail to comply with the United state codes. 
15 usc 1681 a ( 3 & 4 ) consent and privacy Equifax didnt exercise thier grave responsibility and was unfair and did not respect my right to privacy. 

15 usc 1681 b ( 2 ) I never instructed equifax to furnish or create this report I never consented
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 29 It also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My family of XXXX and I had a land contract scam and must purchase a home by XXXX XXXX I am currently XXXX points from pre approval which is what we need to start shopping. I found out that even though I was paying XXXX XXXX on time weekly auto pay, there was a week that did not go through and rolled over. Due to that my car payment is showing XXXX late payments. XXXX Once we corrected and figured this out, we made sure to pay XXXX and XXXX to have this update ASAP ON ALL THREE BEUROS. I always paid toward my secure credit card debit which is the only item I owe for. Experian now is showing XXXX and my usage at 50 % and XXXX at XXXX and 3 % usage! I paid Experian twice to update my scores early to get the XXXX point needed to get that pre approval and for the loan officer to see my scores at XXXX. After paying twice and seeing the changes on Experian XXXX points and XXXX, XXXX has STILL not shown these updates! I feel as if experian lied as I was told they only have control over their scores, but promoted all THREE updating early rather than in 15 days!? Also after contacting and unlocking my online account on XXXX, I was told only a dispute will get them to update and report correctly? I am unable to dispute due to the fact that we are trying to purchase mortgage and my loan office said not to dispute anything! Please help me get this score to show correctly. I am playing down my secured credit card below 50 % now and everything else has be and show paid off or has been current! The medical bill is currently supposed to be taken up as I had insurance. I need XXXX or Experian to be at at least a XXXX for us to both be pre approved and due to being uneducated, we were scammed when we attempted to buy this land contract and home and we are in a time crunch! Thank you! XXXX XXXX and XXXX XXXX
Product: Debt collection

I called the hospital with susposeably bill : XXXX XXXX XXXX XXXX, and I told by the billing the department that they have no bill in my name even looking on the collection side of the account, however that works. Anyways called collection agency and they gave me hard time about this so now im filing a dispute.
Product: Bank account or service

Experian ( a client of XXXX ) was hacked. Lacking the appropriate security measures, the hackers downloaded my address, social security number, drivers license, number and the like. The hackers have enough information to steal my identity. 

So what is Experian proposing to do? Offer 2 free years of THEIR credit/identiy monitoring service ( XXXX ). Really? I 'm supposed to trust the clowns that were just hacked with their identity and credit monitoring service? It makes more sense to offer an independent credit/identity monitoring service, such as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I learned that I had an unpaid electric bill to XXXX XXXX  XXXX XXXX. The bill of about {$35.00} was from a previous residence, where the company sent the bill after I had moved out. Therefore, I never realized that I had been billed. 

XXXX XXXX XXXX had my phone number, but did not call me. Instead, they turned me in to a collections agency, which called me. Within a few days of receiving notice, I paid the bill in full. But this is still showing up as a missed payment on my credit report. I feel that I was not appropriately notified. Of course there was no intent here on my part not to pay this bill. Now this will have a significant impact on my ability to get a mortgage. 

Please help me to get my credit back in order. This was really just a minor and honest miscommunication.
Product: Student loan

The US dept of Education has two loans reporting on my account. One was for {$1700.00} and the other for {$46000.00}. The two loans have so many errors & incorrect data, and I have no clue where they got this information. For example, the loan for {$1700.00} isn't even a loan with the US dept of education. I've never received disclosures or notice about this loan being transferred or handled by the US dept of Ed or Nelnet. I wasn't even informed that Nelnet was the new servicer of the {$46000.00} loan until I tried settling the loan with a negotiable instrument, then a few days later I've received an email that US dept of Ed wasn't my loan servicer anymore, and Nelnet will be put in its place. 

The loan for {$1700.00} was opened in XXXX, of XXXX. 16 years ago, it was my knowledge that reporting of a student loan after 10 years fell off your report, I was told this by XXXX. So why is a loan from XXXX, that was never handled by the US Dept of Ed still reporting and showing incorrect information to make it seem accurate? They applied false information to my report to make it seem as if it was initially with the Dept of Ed the entire time. So either there is a huge error or a lie. 

The loan for {$46000.00}, reports it was opened in XXXX. Another error or false reporting. I am XXXX XXXX XXXX, XXXX would mean I was XXXX when I took out the loans and was in school. It's possible for a XXXX to be in college, but I was never in college at age XXXX. So why is it reporting data on my report that reflects an opening of XXXX? This doesn't only apply to the US dept of Education loans. Some other closed student loan accounts are showing XXXX as well. That shows blatant disregard for accuracy in reporting, which falls on the furnished, and the CRAs maintaining the reports. 

Today I received a notification from XXXX reported a XX/XX/XXXX XXXX Bankruptcy filing on my report, not sure where they got this information because the case has already been filed and dismissed. So doing a " report '' on the filing has just dropped my credit score by XXXX points! Not sure if that's an error on XXXX 's part of the US dept of Education. They are not reporting information accurately as required by law, causing me major harm to my consumer report and financial standing. It seems they keep changing the dates to extend the time it will report on my credit report. I say that because the closed accounts by the US dept of Ed also have incorrect data.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX has violated my rights. 

15 U.S.C 1681 Sec 602 A States I have the right to privacy. ( This has been violated by the original creditor selling my personal information to a third party agency ) 15 U.S.C 1681 Sec 604 A Sec 2 also states a consumer reporting agency can not furnish an account without my written instructions to do so. 

The snapshot attached shows the inaccuracy on my report. Therefore I would like this account to be removed.