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

XXXX Account is reporting on XXXX, Transunion, XXXX as closed. This account is fully paid in full with XXXX ( XXXX ) debt owed to company. This reporting is taking an Affect on my credit report from all bureaus and needs to be removed as it is paid in FULL.

U.S.C 1681 ( a ) -In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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 an account without my written instructions.

Under the Fair Credit Reporting Act 15 U.S.C 1681 Section 604 A Section 2 and 15 U.S.C 1681 section 602 A. - These accounts shall be removed/deleted immediately until they receive my written instructions.
Product: Credit card

Avant has teamed with XXXX XXXX  to allow someone to open a charge card in my name and social security number with my approval or signature!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is listing 2 separate accounts as in an open status. They are both from the same creditor XXXX XXXX. They are both paid collections and should be listed as a closed status.
Product: Credit reporting or other personal consumer reports

After inspecting my credit report, I noticed several mistakes. The three credit bureaus are required to validate these accounts per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

Reporting unverified information without proof within the legal period is not allowed.

Please investigate and correct the following accounts listed on my credit report : 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
Product: Vehicle loan or lease

The loan originated in Alaska, I got divorced from my ex husband and he was suppose to put the loan in his name. Instead he let it go to XXXX, didn't tell me he did that then I find out on XX/XX/XXXX of this year that they took me to court in Idaho, won the judgement because I didn't go to court then they filed for garnishment and that's how I found out. They charged me the full amount for the loan which I believe is against the law in Alaska, they should have only charged the remaining balance on the loan. I never got any letters from them stating balances, repossession or even got served with any judgement papers. I lived in XXXX  only for a year then moved to help my parents out. This should never have gone to court as the proper processes were not followed.
Product: Vehicle loan or lease

Due to XXXX in my immediate family and my own illness I fell behind in my payments. I am working as hard as I can to catch up but the collection calls are relentless they start at XXXX XXXX XXXX XXXX and do n't stop until XXXX XXXX  seven days a week, The callers make threats to come and get the car and when I advised them to do so they refuse to come and get the vehicle. I have asked for the paperwork to be sent to relinquish the vehicle back to the lender and they refuse to send it. 

I have repeatedly asked not to be contacted while I am at work during the hours of XXXX XXXX  and XXXX XXXX yet the continue to call. If I l do not answer the phone they hang up and call right back. Because they will not respect my request not to call during my working hours or not to call my place of employment my employment may be in jeopardy, On Sunday XXXX XXXX, 2018 I received twenty calls from the lender in a single day.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report.

The credit bureaus stated my account was properly investigated but how is that possible if still on the creditor XXXX XXXX XXXX, partial ( account number XXXX ) is still reporting inaccurate Date of last activity is being reported on Transunion as XX/XX/XXXX, at the same time they are reporting on XXXX a date of last activity as XX/XX/XXXX, and they are inaccuratly reporting on Transunion Date of Reported as XX/XX/XXXX, while on XXXX they are inaccurately reporting Date Reported as XX/XX/XXXX, also they are inaccurately reporting on Transunion Date Opened as XX/XX/XXXX, at the same time inaccurately reporting on Experian Date Opened as XX/XX/XXXX, also on Transunion they are inaccurately reporting account Status as Open, at the same time inaccurately reporting on Experian Account Status as Closed, they also inaccurately reporting on Transunion Creditor Type as Auto Finance, while inaccurately reporting on XXXX Creditor Type as Personal Loan Company. The Credit Bureaus took more than 30 days to complete my investigation. As how can payments be marked as late, when the account is in collections. XXXX have a history of inaccurately reporting information to the credit bureaus, and I am a victim of thier inaccurate reporting. Attached is a form showing inaccuracies, and also a document showing a previous settlement with the CFPB and XXXX XXXX XXXX regarding this same issue. Delete this account asap from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

The credit reporting agency has information that is reported inaccurately. 
The acct # XXXX My Previous Address is not XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. 

My previous address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX My Previous Job was Sales Team Lead - XXXX XXXX Member Experience Lead at XXXX XXXX This was changed without my permission.
Product: Debt collection

I must start by saying this has nothing to do with my current mortgage. I 'm submitting this claim regarding my Home Equity Line of Credit. I know when I filed with Wells Fargo, to assume the mortgage note, I also filed to assume the Home Equity Line of Credit also as this was made knowledgeable me. The Equity Line of Credit was included but is not being acknowledged by Wells Fargo as of date. I filed chapter XXXX bankruptcy with the United States Bankruptcy court ( case number XXXX ) XXXX of 2013. Throughout the case, I 've received numerous correspondences regarding any adjustments to payment for which I 've have complied. I 've contacted my bankruptcy lawyer whom stated we did not file/ or included the Home Equity Line of Credit in the payment and that we needed to file which again will cost {$1800.00}. I 've also contacted Wells Fargo and to no avail I 'm back at square one. The Bankruptcy court documents states otherwise. In addition to this, my Home Equity Line of Credit statements which I 've been paying for, still has my ex-husbands name on the statements and it has been going to my ex-husbands address XXXX XXXX XXXX, XXXX XXXX Fl. XXXX. But I 'm still paying for it. Changes have been made to my mortgage but not in its entirety regarding the equity line of credit.
Product: Credit reporting or other personal consumer reports

I observed that XXXX credit card companies ( XXXX XXXX XXXX, and XXXX ) had declined me for XXXX credit cards that I did not initiate. Upon ordering my credit report from esperian, I noticed an additional loans were attempted ( i.e. Hard Inquiries ) without my knowledge. Also, I noticed that I had an additional employer that I was not aware of.
Product: Student loan

For the second time in the past XXXX months, American Education Services XXXX AES ) has sent my student loan to a collection agency, XXXX XXXX. In XXXX instances, I have received the collections notice and my current AES statement showing a current balance within the same week. The loan AES is currently servicing was originated and previously serviced by XXXX. Under XXXX, I always had a monthly auto-payment to issue payment at the end of every month. When AES took over the loan, I updated my auto-payment and continued issuing monthly payments as I have been for years. Since AES has taken the loan over from XXXX of 2015, my account has been sent to XXXX XXXX for collections twice. This is extremely frustrating because I need to write disputes every time this occurs to ensure I contest the debt to prevent any negative impact to my credit score. Given the fact the collection letter and my account statement ( showing my balance is current ) come the same week, it appears as though AES is preying on its customers. If customers do n't react, they could have very damaging and unwarranted impact to the customer 's credit. I have been making my monthly auto-payments for over four years, and it 's only been issue since AES took over the loan. Something needs to be done about this because this is downright harassment.
Product: Debt collection

Dear Sir or Madam, I am writing to formally dispute a debt of {$190.00} ( XXXX account ) allegedly owed to XXXX XXXX. I want to emphasize the seriousness of this matter and the significant potential harm it's causing my XXXXredit score. They have failed to provide me with any documentation or information as to the validity of the date of this debt, or it's origin. They have also failed to respond to any attempts I have made to procure information on this debt. 

There are several discrepancies with this claim that raise considerable red flags : - Account Origin : The account in question was purportedly created in XXXX. However, I did not own a car or have any insurance policies with XXXX during that time. This timeline discrepancy casts serious doubt on the validity of the debt. 

- Pandemic Context : Furthermore, it's important to consider the context of the global pandemic in XXXX  and XXXX. During this period, driving restrictions and lockdowns were widely implemented. It's illogical to suggest that I incurred significant insurance charges when vehicle usage was heavily curtailed. 

- Credit Score Damage : The presence of this inaccurate debt on my credit report is causing significant damage to my financial standing. This could negatively impact my ability to secure loans, rent apartments, and access other essential services.
Product: Credit card

I have a Paypal account which I have been using for a few years. Within Paypal I have a credit account with a balance and a line of credit. Paypal restricted my account on permanent basis for reasons I do not understand. At the same time my credit has also been restricted. I called Paypal Credit and was informed that my credit was in good standing. The issue arose when my payment was due, Paypal did not withdraw the funds from my Checking to make the payment because they closed the account, this then led to me getting an email stating that my payment was late. I have called numerous times to find out 1 ) why my account was restricted 2 ) Why my credit was not available. PayPal Credit said it was available! It is my understanding, after 46 years in banking and 4+ years with the FDIC as a Resolutions Specialist, Paypal has to send me a notice according to the Fair Credit Act, of the restrictions. Since the account is good standing it would create application to my Credit Report. I just think that most likely I will never win against a mighty Corporation, but I want to lodge my complaint. I want the payment on Autopay and If I call it in they will charge a fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / XXXX / TransUnion has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}. I believe it was reporting in error.
Product: Payday loan, title loan, or personal loan

I applied for a loan w ith Big Picture Lo ans on  XXXX   XXXX . I was approved for {$1100.00}. I instantly received the funds the next day along with an approval email. It was only then I was given the terms of the agreement. I had NO idea what I was getting into. The loan had a 732.3534 % interest rate with a total payoff of {$8900.00}. I was paying {$280.00} bi weekly. I have already paid what I originally borrowed. I am having financial difficulties and emailed them a memo on  XXXX   XXXX ,    2017, r equesting they stop the ACH payments. I explained my situation  ( un employment ) and asked them if they would stop finance charges and settle with me, in hopes to avoid bankruptcy. They agreed to do so, however, they requested I make biweekly payments of {$220.00}. They insist I still owe them {$1400.00}. They claim I have not paid one penny towards my principal borrowed amount. I have contacted the Indian a State Department of Financial  Institutions and was told that Big Picture Loans is n't even licensed in Indiana, which would make this an illegal loan at illegal rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the month of XX/XX/XXXX, I submitted a request for a XXXX adjustment of my credit reports. The Adjustment was denied. My adjustment was based on the fact of my wife passing away on XX/XX/XXXX. The late payment was reported along this time frame as well. The missed payment was an inadvertent error on my part due to the dilemma I was in at the time. The payment was made current immediately and the account has been paid in full prior to terms of the agreement. I honestly feel my request was reasonable and I also feel that this creditor is being unreasonable in this instance based on the circumstances aforementioned.
Product: Student loan

VIRTUALLY NONE OF MY PAYMENTS ARE BEING APPLIED TO PRINCIPAL! THIS YEAR ALONE I'VE PAID OVER {$2200.00} IN PAYMENTS AND ONLY {$30.00} IS APPLIED TO PRINCIPAL.
Product: Bank account or service

capital one credit card is not helping us and I have a real issue with their charging an annual fee booklet and their executive response team info
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis Risk Solutions violated 15 usc 1681a ( 2 ) ( B ) and 15 U.S. Code 1681 ( a ) ( 4 ). Pursuant to 15 U.S. Code 1681 ( a ) ( 4 ) its clear that that a consumer has a right to privacy, but Congress never defines what privacy is because only I the consumer can define what's private to me. LexisNexis Risk Solutions going out and fishing for negative information about me is an infringement upon a consumer 's right to privacy Pursuant to 15 U.S. Code 1681 ( a ) ( 4 ). Also, the Court doesn't disclose information with no " bureaus '' I included a letter from the court stating this. Next, LexisNexis Risk Solutions did not have Permissible purposes or my written instructions to furnish a consumer report using my non public information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances on establishing a great history with the current company. The name of the inquiry is ALLY FINANCIAL. The inquiry date is XX/XX/2018. The bureau reporting is XXXX, XXXX, and XXXX XXXX. Thank you!
Product: Credit reporting

Experian continues to list an account with State of Oregon Child Support in the amount of {$1200.00} on my credit report. That amount has been paid in full and the account stands at XXXX and should be removed.
Product: Credit card or prepaid card

I am stated to owe my discover card over XXXX which was not my fault, when I called customer service on XX/XX/2021 i had stated that i have made an XXXX dollar payment towards my card. then i has notcied a day after my limit was reached. I had called and made sure that my payment was processed and was wondering I was at my limit. A week and a half goes by and Im at my limit again so I cant Im OK I get paid every two weeks and I just put {$1000.00} payment which was my check at that time into the card. then I was told that I didnt have enough money in my debit cards account and it was sent back. I have never received that money back. I stated to another customer service representative my issue they investigated it and said yeah that doesnt make sense since. then they have closed my account stating that Ive committed credit bureau fraud when I havent done anything wrong. when I called the board to say if I committed this XXXX is my money or why dont I have my money I get no reply except for I dont know the board directors have canceled your card and now I can not pick up my credit score.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

i have made several attemps by sending dispute letters to all XXXX credit bureaus regarding enquiries and negative items on my credit reports. As of today XX/XX/2023 most of these accounts and enquiries are still showing on my credit report. Please remove them asap. I am having difficulties accessing any funding or even getting a job because of this issue. 

I need these companies to remove their accounts from my credit report immediately : XXXX XXXX XXXX in the amount of {$46000.00} XXXX XXXX XXXX  XXXX the amount of {$18000.00} XXXX XXXX XXXX. closed account XXXX XXXX  XXXX XXXX XXXX  charged off XXXX XXXX XXXX. closed account XXXX All XXXX XXXX XXXX XXXX XXXX XXXX  accounts for {$5600.00} - {$8900.00} - {$5700.00} - {$9100.00} And also the enquiries on my credit report aswell, XXXX  XXXX theirs but the other XXXX bureus did not. 

thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act everything must be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated but how is that possible if the open date is ina accurate, the date last active is inaccurate and the date last reported is inaccurate. The grounds for removal they also violated my right under.

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

15 U. S. C. 1681 section 604 a section 2 ; it states a consumer reporting agency can not furnish my account without written instructions.

Also the credit bureau took more than 30 days to complete my investigation here is my certified mail tracking number.
Product: Debt collection

There 's a collection agency called National Service Bureau , Inc. located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Wa XXXX which is claiming {$20000.00} for a car accident that I had 3 years ago. The insurance company claiming the money is XXXX XXXX, XXXX # XXXX. Until this moment, I 've never received a letter or anything from this people claiming this money. The are saying they will suspend my driver license or/and vechicle tag if I do n't pay. Of course, I do n't have this kind of money. A year ago, my insurance paid for this accident already. My insurance company is XXXX.