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

When a bankruptcy is discharged, it means that the court has issued an order releasing the debtor from personal liability for specific debts. This means the debtor is no longer legally required to pay those debts, and creditors can not take any collection actions, such as lawsuits, wage garnishments, or calls, for those discharged debts. 

Here are key points depending on the type of bankruptcy : XXXX  XXXX Bankruptcy : Most debts are discharged relatively quickly, typically within a few months of filing, after the debtor 's non-exempt assets ( if any ) are liquidated to pay creditors. 

GET THIS OFF ALL CREDIT REPORTING AGENCIES AT ONCE XXXX  XXXX bankruptcy discharged Date filed XX/XX/year> Date resolved XX/XX/year> Responsibility Individual Reference number XXXX On record until XX/XX/year> Court info Court US XXXXXXXX CT VA XXXXXXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX who is a consumer/natural person sent certified letters to the consumer reporting agencies XXXX, Experian, and XXXX in which they were received and signed for. XXXX with the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, received my letter on XX/XX/22. Experian with the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, received my letter on XX/XX/22. XXXX with the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, received my letter on XX/XX/22. All XXXX of these consumer agencies are breaking federal law by furnishing information on my consumer report WITHOUT MY CONSENT per 15 USC 1681b ( a ) ( 2 ). Its been well over 30 days and they are still reporting inaccurate information on my consumer report and has ignored my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

several problems listed above, not just failing to abide by 30 day timeframe. Not just bureaus, but creditors as well.. XXXX for ex, 60 days out from my last dispute, claims ftc fcdpa laws dont exist. furthermore XXXX XXXX initiated contact on my behalf nine months ago on that account. account remains " confirmed '' ... I have several accounts where merchants are claiming debt where none is owed, or someone else owes the debt and the creditor refuses to close the account or corrrect the info and keeps putting the account in collections or reselling it ( XXXX ). I have others in violations of cardholder agreements. All burueaus are playing XXXX XXXX " confirmed '' with XXXX XXXX and buying the data back from them later on. disputed debts can not be collected. debts filed under chXXXX can not be collected when attorney is on retainer. yet nobody seems to care, makes claim they werent contacted by upright law ( con artist or not, they are bankruptcy atty ). such actions are not required, the mere hiring of a lawyer on retainer is sufficient. Bureaus are inconsistent with updating each other when debts are deleted. XXXX XXXX refused to assist with this. bureaus contacted multiple times about this and all im getting are " verified '' XXXX letters.I have factually no data sent to me as to what and how, as required by law debts were verified. No email, no phone calls, no letters. I am repeatedly have my information updated where I have never lived, and then blood type required multiple times to get access to my credit file just to file a dispute when I havent moved. This has been going on for several months repeatedly when I dispute data.
I have never lived in PA. My files show that I have and that I have a mortgage. This is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported account information inaccurately and upon requesting to re-investigate with proof of my claims that XXXX is reporting with ( 2 ) 30 days past due, XXXX ( XXXX ) 30 days past due and Transunion XXXX ( XXXX ) XXXX past due. I mailed the XXXX XXXX XXXX XXXX a letter outlining my concerns that caused adverse credit decisions due to the defamation of character, accounting & credit reporting errors. XXXX of 2022 I filed a lawsuit in XXXX XXXX XXXX for {$1000.00} in damages. The attorney for XXXX XXXX advised their investigation reinforced their initial determination that nothing was reported inaccurately. My initial request for a goodwill adjustment lead XXXX XXXX to respond via email, but in their response provided my account information and that of another customer in an email chain. After advising them of their continued documented errors, I received no response. I would like for this account to be removed due to irrevocable financial damages and defamation of character. XXXX XXXX XXXX XXXX XXXX of law firm XXXX XXXX, XXXX TX advised they are not able to remove information deemed accurate, but negative. I advised the information isnt accurate and the request to reinvestigate would have yielded the exact proof I provided, that there are errors on my credit report.
Product: Credit reporting or other personal consumer reports

The negative remarks from these fraudulent accounts and inaccurate information have severely affected my credit standing, leading to a significant drop in my FICO score. This has caused me considerable financial distress and hindered my ability to obtain credit.

Please treat this matter with urgency and ensure these fraudulent and inaccurate items are thoroughly investigated, blocked, and removed from my credit report. I request written confirmation once the fraudulent accounts and inquiries have been removed and my credit report has been updated accordingly. 

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

Experian credit reporting agency is not doing a complete investigation into incorrect information on my credit report. I just received today an updated credit report from experian and the results of the investigation did not solve the problem. There is an account " XXXX XXXX  XXXX that was suppose to be deleted off my credit report '' I 've disputed this account with XXXX and the company responded to delete off my report I am uploading proof that this account was deleted from XXXX because the company responded to delete. Experian should have received the same response. I have been disputing this for over 6 months now and when I try to go online to dispute it again experian will not let me on to dispute this account
Product: Credit reporting or other personal consumer reports

I found the company XXXX XXXX on my credit report for XXXX XXXX in the amount of {$520.00}, that I've never received.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I downloaded this app called XXXX - lve been trying to look for an apartment to move by myself. 
On XX/XX/XXXX, I received an email from this guy name XXXX XXXX, his email is XXXX he seem to be an agent/broker gave me all the information about the apartment and details about rent and Pictures. We went back and forward discussing the amount of rent I would be paying and fees. 

On XX/XX/XXXX, He send me the application for the apartment and the lease form. It looked so real I actually believed everything he was saying and stating. 

Right after, he send does documents I asked if I could view the apartment in person with going more deeply in the process, he said that he couldnt because some was living and that their lease was ending last week of XXXX. And that as soon as the tenant leaves XXXX show me the unit. 
On that same Date, I completed the application, and signed the lease form. 
After he stated I couldnt see the apartment I had a gut feeling that I was being scammed because most agencies let you see the apartment first. But since he was really nice I ignored does red flags. 

The original rent he was asking was XXXX monthly, I asked if they could do XXXX. He told me he was going to ask management if they can approved it, which later on he said they agreed to the rent. 
After we agreed the monthly rent I had to send him a security deposit so i could be the first in line To get the apartment. He told me I could send it through Zelle or wire transaction. 
Zelle Details : Name : XXXX XXXX Email : XXXX After I send the security deposit, that we agreed on, and once received, he told me management didnt approved my application, because the rent was too low so they wanted a one time payment for XXXX so they could approve it, once this happened I knew I was getting scammed. 

So I asked if he could send me the money back, refund that I was no longer interested in the apartment, he kept giving me excuses that I just proceed with the payment. 

I kept declining, at this point i just wanted back my money. The following day he didnt answer my emails. So I texted him to send me back my refund and he just kept giving me excuses like yeah its being processed youll get it asap youll get it Monday and it was all a lie. 

Its XX/XX/2022. Hes not replying to my messages he blocked my phone number and everything.
Product: Debt collection

This collection company contacted and discussed a debt with a 3rd party.
Product: Vehicle loan or lease

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that BMW FINANCIAL SERVIC has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

Seventh Ave Stated I Contacted Them On XX/XX/XXXX Asking Is The Account Was Paid In Full Will It Be Deleted That Is A Lie Why Pay Something And Than Delete It On My Credit Report It State Account Open XXXX So I'm Confuse XXXX On XXXX I Was Living In XXXX When I First Ask About The Address It Was A Mississippi Address The Lady Said She Was Sending Me A Letter Saying It Was Removed I Gave Her My New Address Okay When I Called About It Again They Gave Me My New Address I Said I Gave You All My Address Because I Was Suppose To Received A Letter Saying It Was Deleted When I Called Again They Said And Account Was Open In XX/XX/XXXX Just Lie After Lie
Product: Credit card or prepaid card

I was charged {$130.00} by XXXX  on Friday XX/XX/XXXX, without my permission. XXXX  admitted to the error but they have been dragging their feet. My cardholder chime ( the XXXX XXXX  ) has twice denied my claim that this charge was fraudulent, and I continue without my funds, even after submitting evidence that my charges were fraudulent. 

I am a single father with full custody, and this has put me in a great financial bind. Im afraid all this complaining will cause Chime to retaliate by deactivating my account, causing me to lose my money for good. I have enclosed a chat with XXXX  admitting to taking the money, as well as Chime refusing my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Settled an account with discover credit company, and the account still said charged off instead of settled or paid off. They agreed during negotiations that it would be changed. But whenever I call and ask to speak to a supervisor, I have been put on hold forever, and I end up dropping the call. It's not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account # XXXX This account is a charge off and I settled with a small payment to delete account after payment. The payment was received however it was never deleted/removed from my account. Also the credit bureaus is still reporting delinquency which is more seven years.
Product: Debt collection

A judgement for Discover Bank was mail to me on XX/XX/2019. I never knew that I had a judgement against me until this date of XX/XX/2019. I stated that I had never gotten served papers for this judgement. The organization XXXX XXXX XXXX XXXX claim that they serve me papers. The Affidavit of Services paper that was sent to me. Is not the descriptions of me or anyone in my family. I have attach my drivers license to show proof that they didnt serve me papers.
Product: Vehicle loan or lease

My car was reposted in XXXX and I have not received any notice about a sale or anything else I was also not informed on how much the decency balance was
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, 2017, I found out that my personal information was compromised due to a data breach that affected Equifax over a month ago. Since then, I have been taking precautions, one of which is to freeze my credit. It is ridiculous that a company which I never interacted with is affecting me financially and that I have to pay for every credit bureau in order to protect my credit. In addition to this, to be able to check whether my information was compromised, I had to complete an arbitration clause that excuses accountability from Equifax.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with XXXX XXXX XXXX XXXX due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX Creditor Name : XXXX XXXX, XXXX XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Account XXXX. Self Financial Inc XXXX. XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 ; It also states A consumer reporting agency can not furnish A account without my written instructions.

15 USC 1666B : A creditor may not treat A payment on A credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Just found this on my report ... 
Have no clue who portfolio is?
Product: Vehicle loan or lease

I received a loan through American Credit Acceptance in XXXX. I paid 31 payments on the account in the amount of {$15000.00} between XXXX. In XXXX, due to some financial hardships and supporting myself and my partner with one income, I had struggled to pay my car payment. I tried working with them and set up payment plans and made payments when I could, however they did assign a repo on it last year, XX/XX/XXXX and I maintained communication with them verbally and through their online portal. 

XX/XX/XXXX I called and spoke with a rep to make a payment to bring the account current and be able to access my online account again and have it reflect positively on my credit report - the rep advised they would agree to this and I made my payment. 

XXXX I wasnt able to access my account to make or schedule any payments and when I called to speak with a rep they advised it was in a charge off and they couldnt remove it from that status- I called multiple times and spoke with multiple people and was told this couldnt be done. 

I sent an email to them requesting to settle or pay-to-delete or remove them from the title as I still have the vehicle. 

Ten days after the email was sent, I see they updated the account on my credit report to closed, charged off as bad debt and updated the balance to 16k.

I would like to return the vehicle as is in exchange for a paid in full correction to this account.

Because I paid over 16k during the length of my loan, and somehow the principle never was lowered, and I made an additional payment of 2400 this year, I believe I have completed on my end the loan agreement and would like to close this out and move on.
Product: Consumer Loan

I had medical issues and got behind on my payments on a loan secured by furniture and a signature loan. I kept in touch with the loan company, however they continue to call me and threaten me. They have said that they want to know what time they can come pick up the furniture, told me repeatedly that they would sue me, garnish my wages, and put a lien against my home on both loans. They try to force me to come in on a particular date and I tell them I do n't have the funds and can not come in on that day so then the threats start. They have come to my home ( I was n't here ) and left a card. They called my sister and told her to contact me and tell me that I had 10 minutes to call them back. This was approximately four days after I had been in their office and made a payment. They ca n't use the excuse that they did n't know how to locate me and needed to 'find ' me since I was in touch with them the week before. When I talk to them they can never tell me how many months I am behind. They say that my payments are n't full payments and when I ask why, they say that late charges are being taken out. I have asked them repeatedly to send me a print out of my payments and how they are applied ( this is especially important because they told me I missed a payment in XXXX and I see where I made it ). I have yet to get anything to verify the dates they 're saying I 'm behind. One person says I 'm behind since XXXX, another person says I 'm behind since XXXX. I 've even asked for the amount of late charges so I can pay them and they can be applied to the months they say I was short. I was n't short, I paid the required amount, they allocated it and make it appear that I 'm months behind on payments. Yesterday I was told that my account had been sent to an attorney for collection a month ago but I made a payment and they pulled it back. The manager said she was sending it yesterday to the attorney because I told her I did n't have the money and could n't come in before the XXXX. Then today she calls my job and leaves a message requesting employment verification ( I saved the voicemail and attached it to this complaint ). I 'm at the point where I do n't want to talk to them since it does no good. And all they do is threaten me with lawsuits and garnishments. Is it even legal for me to send in a payment for the month and they only apply part of the payment because of a late fee and then say I 'm behind in that month 's payment?
Product: Debt collection

On XX/XX/2021 I noticed my credit report was flagged for collections from a collection agency called Diversified Adjustment. I believe they are a collection agency with XXXX being the main company claiming I owe. I had the same issue with this company in XXXX and thought this matter was settled but apparently XXXX passed it on to another collection agency because the account wasn't proven as fraud which it is. I have never had any business, communication, or any form of knowledge of this company/account or how they got my information. I have already disputed this claim twice and keep getting " account remains '' after both disputes which is 100 % incorrect hence why I filing this form today. The information is incorrect and not mine and is destroying my credit score that I have worked hard to increase and this needs to be permanently removed from my credit and listed as fraud because that is exactly what this is.
Product: Credit reporting, credit repair services, or other personal consumer reports

my dauther paidoff XXXXXXXX XXXX now 3 months ago they say iowe XXXX this is not my account
Product: Payday loan, title loan, or personal loan

Hi, I have an account with Lendly. Ive been in consistent contact with different agents. The earlier part of XX/XX/2023, which was my last payment, I was told by your agents that Lendly made big changes such the number of days accounts would default, instead of an account defaulting at 65? days, it would 90 days.

I was further advised that my account had not quite approached 65 days. I remitted a payment via phone with agent and was told that my account was back in good standing. 

On XX/XX/2023, I contacted Lendly again to make another payment. At that time, I was advised that my loan had defaulted and sent to a third party collector. I advised the agent that that was not the information I received earlier this month. 

I was placed on extenddd hold with both agents as to research the matter. They were unable to determine the status of my account, so they promised me that a supervisor would look into the matter. It has been 2 days since hearing from anyone regarding my account. 

I wish to at least pay half of my debt and since having XXXXXXXX XXXX XXXX XXXX XXXX, I managed to prevent the account from defaulting l, but disappointed by the inaccurate information provided by your agents as it relates to payments, supposedly changes in default terms etc. 

Can someone please contact me to inform me of my account status as I would like to pay at least half of my remaining loan amount. 

My work schedule is XXXX XXXX XXXX. ( XXXX ), Im available XXXXXXXX XXXX XXXX XXXX. Contact number is XXXX. 

Sent from my XXXX XXXX