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

This is actually my second complaint. The first complaint XXXX was submitted on XX/XX/2019 and closed on XX/XX/19 with the late payments being removed from my credit report. It is now XX/XX/2019 and the same incorrect information that I complained about then has still not been updated. I submitted payment information and letters from XXXX showing that I my payments for the month of XXXX and XXXX were never late and this information still has not been correct and it's affecting my credit rating and I'm receiving a higher rate on my mortgage qualification due to it. I just wanted the information corrected ASAP, because it's not far to me as the consumer to have to constantly contact Transunion to ask them to fix something that's they know is incorrect. I have attached the supporting documents along with the detailed from the report submitted on XX/XX/2019. Transunion is the only credit reporting agency that I am having this problem with and I'm starting to get really frustrating that they know the info is incorrect, yet they are still placing it on my report with proof that its incorrect.

Prior complaint:

I received a copy of my credit report at the end of XXXX  that showed that XXXX  shows that I was late on my student loan payment for the Month of XXXX, XXXX and XXXX. I spoke to rep who state I needed to upload supporting documentation to all three of the bureaus and they will review the info and make corrections where needed. XXXX  and XXXX   within 2 business days everything had been reviewed and the delinquencies had been removed from my credit report. I waited 30 days with Transunion spoke with a Manager by the name of XXXX   XXXX on two different occasion who stated they received the documentation and the he would go away and make the needed the needed corrections. He did and 30 days later they were back on my credit report, I spoke to him again and he stated yes, I have all your documentation and we will go ahead and remove the information again. It has now been over 60 days and I'm still fighting with Transunion to remove the items as they not correct. I spoke with Manager XXXX  at Transunion and he stated he would remove the items again, but I'm getting really frustrated with the fact that each month I have to call and ask them to remove the items as they aren't correct and it's causing me many problems as I am the process of purchasing home. I have worked too hard to keep my credit in good standings and to have inaccurate information reporting is costing me time and money during the home buying process.
Product: Debt collection

Prior to the collection agency purchasing my debt to XXXX , I paid my debt directly in 2017 and closed my account. I am still receiving communication. I have a balance of XXXX with XXXX.
Product: Student loan

Regards, This letter is addressed to a complaint to the loan company Nelnet which I have XXXX loans. This company has been charging me interest since 2021, after Biden imposed the Waiver for student loans. 

When I contacted Nelnet they informed me that I had to pay the interest because my loans did not qualify for the Biden waiver, it was very strange because it was the only one that charged me interest. Today it is the only one that requires me to pay my loans monthly and accrues interest. 

I make this complaint to have my account audited because they are violating a tax waiver. In addition, this violation is one of the things that affects many students since it makes the debt unpayable because the interest is compounded and cumulative, how many students should have an accumulation of additional debt due to this situation. 

Loan : XXXXXXXX XXXX XXXX : Principal Balance : {$3900.00} XXXX XXXX XXXX Principal Balance : {$1500.00} XXXX XXXX : Principal Balance : {$12000.00} XXXX XXXX XXXX Principal Balance : {$6300.00}
Product: Debt collection

This debt was removed from my credit report years ago, has aged out of the statue of limitations and now has re-appeared for no reason without any verification. This is also reporting as an open account when the date of last activity is over 4 years ago. I do not owe nor do I have a signed contract with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, Complaint # XXXX, with your company XXXX XXXX and sent the same information to XXXX, XXXX and Transunion. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXX XXXX is still reporting this fraudulent information to my XXXX Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.
Product: Credit reporting or other personal consumer reports

Cease and Desist Request for Deletion of Collection Account Dear Credit Collection Service, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose. 
2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent. 

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please
understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam XXXX I am writing to you in accordance with the Fair Credit Reporting Act ( FCRA ) Section XXXX ( b ) to dispute the accuracy of information on my credit report. I have reviewed my credit report and identified discrepancies that I believe require investigation and correction. 

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The inaccurate information pertains to the following accounts : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am disputing the accuracy of late payments associated with these accounts. I believe these entries are incorrect and are negatively impacting my creditworthiness. 

Under FCRA Section 605 ( b ), I request that XXXX, XXXX, and TransUnion conduct a thorough investigation into these disputed items. I also request that you provide me with a written explanation of the results of your investigation and any actions taken as a result. 

According to FCRA section 605B it is illegal to report any information on my credit report without my permission please remove all items from my credit report permanently, thank you. 

Please acknowledge receipt of this dispute letter within 30 days and inform me of the steps being taken to resolve this matter. I am relying on your prompt attention to ensure the accuracy of my credit report. 

Thank you for your cooperation in this matter. 

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

Earlier this week, my mother reached out to a mortgage loan officer, XXXX XXXX ( XXXX # XXXX ) to obtain general information about a specific program that offers down payment assistance in Ohio. While my mother was only seeking some preliminary information, XXXX XXXX obtained from my mother my social security number and other personal information, which he then used to run a hard inquiry on my credit. Neither my mother nor I ever provided express permission to XXXX XXXX to run my credit. In fact, until today, when XXXX XXXX returned my call after I learned from XXXX that he had run a hard inquiry, I had never even spoken to XXXX XXXX myself. In other words, XXXX XXXX had absolutely no basis or other reason to believe he was authorized to run my personal credit report. 

As someone who has been working hard to build my credit and keep it free from any unnecessary blemishes, including hard inquiries, until I know I am in a good position to seek approval for a mortgage loan, learning from XXXX what XXXX XXXX did felt like a devastating setback. When I spoke to XXXX XXXX about what he did, he showed absolutely no remorse for his actions, and instead proceeded to tell me that he runs credit for lots of other people when their family members call him for information. This is simply unacceptable ; he should not be running anyones credit without that individuals explicit permission to do so. When I told him I intended to inform the relevant oversight agencies/authorities of his actions, XXXX XXXX ( very unprofessional ) response was a sarcastic, Oh, Im so scared! 

I wanted you to know because allowing someone like XXXX XXXX to be an approved lender could have significant ramifications. Not only does he lack the display of professionalism each lender should display, but more importantly, he has engaged in unlawful action by running someones credit without permission to do so. I now have to devote time to disputing this inquiry with all three credit bureaus/reporting agencies, something that noone should have to worry about. 

Thank you for your time and consideration of this matter.
Product: Credit reporting or other personal consumer reports

Subject : Cease Unauthorized Credit Reporting Immediately Citations from Georgia FCRA and Identity Theft Laws Dear AVANT, I am reaching out to address a concerning issue regarding unauthorized credit reporting, as mandated by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), in conjunction with Georgia 's Financial Identity Fraud Act and Georgia Code Title 10 - Commerce and Trade . 

It has recently come to my attention that AVANT has been reporting information to my credit report without obtaining my explicit consent, which is a clear violation of both federal and state laws. The FCRA explicitly states in Section 1681b ( a ) ( 2 ) that consumer consent is a prerequisite for such reporting activities, a requirement that AVANT has failed to adhere to. 

Furthermore, Georgia 's Financial Identity Fraud Act, along with relevant sections of Georgia 's Code, reinforces the importance of consumer consent in credit reporting and outlines the severe consequences of unauthorized access and misuse of personal information. 

I want to stress that I have not provided consent for AVANT to report any information to my credit report. This lack of explicit permission constitutes a flagrant violation of my rights and could potentially harm my creditworthiness, in direct contravention of federal and state laws. 

I demand, unequivocally, that AVANT immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Georgia state laws pertaining to financial identity fraud. Failure to comply within the stipulated 30-day timeframe will be considered a deliberate act of noncompliance and may incur penalties as per applicable laws.

I want to emphasize that obtaining consent is not optional ; it is a legal obligation under these specific sections of the FCRA and Georgia state law, established to protect consumers like myself from unauthorized and detrimental credit reporting practices. 

I expect AVANT to address this matter promptly and rectify these violations without delay, in accordance with federal and state regulations, thereby respecting my rights as a consumer. 

This communication is made in good faith, with the expectation of swift and appropriate action. 

Sincerely,
Product: Debt collection

Southwest credit system did not send any notices about this debt. This debt was previously deleted from my credit report by the original reporter. Two months later it is reinserted with a different collector that didn't send my anything to try to pay the debt, verify, or validate it. They just parked it on my credit report. The credit reporting agency didn't attempt to validate or confirm the accuracy of this debt either just reinserted it in onto my consumer report. On the premise of 15 USC 1692g this should be removed from my consumer report immediately and not be allowed to be reinserted.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX 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 XXXX 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 XXXX reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( 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 which is 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 XXXX 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 XXXX XXXX I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint against Equifax for violations, on XXXX they came back in said this was verified and updated payment history, which in fact is wrong they did not put in the 30 day late prior to 90 days u cant just update your mistake, so that is wrong, the complaint was for multiple errors on their part, you can read the last complaint they said this was accurate, but the violation is they DID NOT PUT CONSUMER DISPUTES ACCOUNT, So they are not accurate Remove this Immediately for the violation that must be entered on the first dispute they received by the consumer they say they do independent investigations well where was it? you can't see the violation or you just do not care about proper reporting on consumer records?! 
attached the violation as you can see there is no Consumer disputed remarks.
Product: Debt collection

I have sent LVNV a certified letter on XX/XX/year> requesting a debt validation and all required documents associated with the alleged debt and they still have not responded. In addition, they have sold my information to XXXX XXXX XXXX XXXX  to collect on the debt which has resulted in XXXX XXXX XXXX XXXX  attempting to sue me for the alleged debt.
Product: Debt collection

I am a XXXX veteran. XXXX XXXX XXXX has a contract with VA ( Veteran Affairs ) to provide local care to veterans. I provided my VA ID and got XXXX services on XXXX and XXXX. VA paid XXXX XXXXXXXX for services however I found they ( XXXX  ) put me in collections for {$400.00} and {$1600.00}. Contesting this, it was discovered the wrong information was entered into XXXX XXXX XXXX. VA has contacted XXXX on XXXX different occasions and instructed them on the proper way to enter veterans ' information. They will not remove this from collections. All representatives tell me that it takes XXXX days to fix. This time have expired. I have been collections for 1 year. I've disputed these collection account accounts with the XXXX credit bureaus to no avail.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports