23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On Thursday XXXX XXXX I applied on line for an Avant MasterCard. I had been receiving literature from them for years encouraging me to apply. I never responded because the APR was quite high at 34 %. As a XXXX XXXX I rely on my pension and social security for my primary sources of income. I have been XXXX XXXX for the past 37 years and still work occasionally. The brochure that I received from Avant stated that I had been " pre-approved '' for a {$1000.00} line of credit. I realized by filing out the application that my credit report would take a " hard hit '' but I assumed, wrongly as it turns out that I would be approved.I 've been trying to improve my credit rating so I can either refinance my house or take out a reverse mortgage. My self employment income is based on voiceovers. 
Iv'e been doing this since XXXX. Unfortunately, as a free lancer, the opportunities have been few and far between lately. The last thing I need is a negative hit on my credit rating. 
Having been in the XXXX XXXX  for nearly forty years I recognize false advertising when I see it. Avant is guilty of that in no uncertain terms.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

Bankruptcy XXXX XXXXXXXX Filed on XXXX XXXXXXXX XXXX Reference number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested this account and credit card to be closed on XX/XX/2022 after paying the final balance owed. I continued receiving billing statements from XXXX XXXX for this credit card. Once again, I called and explained that this account should have been closed in XXXX of 2022 and the agent assured me that the account was closed. I did a dispute on my credit report to have this account removed because it is still reporting as open and that I am in default with payments. The account remains on my credit report.
Product: Credit reporting or other personal consumer reports

this is for the account listed on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' with the balance being reported as " {$2300.00} '' this account is firstly being misrepresented, secondly is being inaccurately reported, and lastly the missed payments alone have amass close to {$59000.00} in violations. the fourth issue with this account is the fact that it has been changed off for a few years now meaning the have gotten paid by the Internal revenue service and are still attempting to double dip. pursuant to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX ( XXXX XXXX 1990 ) each carrying a violation of XXXX just for the misrepresentation of the debt and the missed payments that are still being reported on this credit file. amount to about {$60000.00} in violation which any district court would open and closed the case without thinking twice on the matter. When speaking not the matter of inaccurate credit history, this account no longer reports to XXXX, because it was deemed inaccurate due to a date breach, and just plain out fraud. Now due to defamation and willful injury, this case law further supports the allegation that I am making in this complaint, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX v XXXX XXXX the damages are said to be to the extent of the damages incurred by the wronged party as deemed by the courts, which can and will add up to be similar to the first charges close to the tune of {$60000.00}. without continue to provide the case law for the other allegations, this is already a {$120000.00} case between defamation and willful injury I am certain the district court will rule in XXXX favor.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because XXXXXXXX XXXX XXXX is unlawfully reporting a charge-off on my credit report, even though they no longer own the account. 
I contacted XXXX XXXX, and they confirmed that the account was transferred to XXXX XXXX. Under 15 U.S.C. 1681s-2 ( a ) ( FCRA ), furnishers are required to report only accurate and complete information. Since XXXX  XXXX no longer owns this account, they have no legal right to continue reporting it. 
Furthermore, XXXX XXXX is violating : XXXX5 U.S.C. 1681i ( Fair Credit Reporting Act ) If an account can not be verified, it must be deleted.

15 U.S.C. 1666b ( Truth in Lending Act ) Negative information can not be reported while a dispute is active.

15 U.S.C. 1692e ( FDCPA ) XXXX XXXXXXXX is misrepresenting the account status, making it appear as if they still own the debt. 
1099-C Cancellation of Debt If this debt was canceled or transferred, it should no longer be reported as delinquent.

Equifax is also in violation of the FCRA by failing to conduct a proper reinvestigation. Under 15 U.S.C. 1681i, Equifax is required to verify the accuracy of information. Since XXXX XXXX  no longer owns this debt, Equifax must delete it immediately. 
I am requesting that the CFPB investigate this matter and require XXXX XXXXXXXX XXXX to delete this account from my Equifax credit report.
Product: Student loan

There are 21 months of payments that were not counted for the PSLF program after Fed Loans took over the loans from my servicer. I have been told that it would be updated, and each time I call I am told to call back for later updates, I.e. wait a few more months, that my analyst no longer works there, etc. My last mail notification states the qualifying payments has been modified ; however, it has not changed. I have emailed, called and been given misinformation with continued no resolution.
Product: Debt collection

On XX/XX/2023 I was contacted by a XXXX XXXX who claimed to be an attorney. She said I had provided my credit card information to someone else months earlier and she wanted to use the same credit card to pay another debt. I told her I wasnt aware of any other debt - that I should not have any because I have health insurance that pays 100 % and I have no deductible. She said its for your mental health treatment. I do not have any treatment for mental health and never have. It is completely out of line for her to say things like that. It would be a violation of HIPAA. I vaguely remember being contacted about a {$150.00} medical bill many months ago and I just paid it because I was buying a house and didnt want to deal with it. But I told her I am unaware of any unpaid medical bills and very clearly told this woman that she did not have my permission to use my card- Im not sure why my credit card information was even retained beyond the one time I gave permission to use it - and provided to this XXXX person because I have never spoken to her before. I told her I was at work and would need information regarding the legitimacy of this and that she was not authorized to use my credit card for something I am not even aware of and that I am disputing as a result. She hung up on me and used my card anyway to process a payment. I called the number on my caller ID back and told her she did not have permission to use my card and I wanted it reversed immediately and she told me to call the police. I was hung up on again after she called me a XXXX. I called back and asked for the name and address of the company and was hung up on 8 times in a row.
Product: Consumer Loan

This is NOT a duplicate complaint. 

This was my original petition : '' OneMain Financial- Pay Status and rating key are conflicting. Contradictory and inaccurate. Demanding that OneMain Financial request account deletion from all credit reporting agencies ( XXXX, XXXX, and XXXX ) '' Please note my attachment. It clearly notes and backs my claims. You will notice descrepencies in XX/XX/2011. The Rating Key is coded as a charge-off XX/XX/2011, yet the Last Payment Remark indicates that the account was Charged Off. This is contradictory. Because of such, it is erroneous credit reporting and therefefore I am demanding that the account be deleted from all XXXX credit bureaus.
Product: Mortgage

Brought house inXX/XX/XXXX I have heard buyer beware what about railroaded that's what happened railroaded in to the real estate deal deceptive practice s by Stone gate mortgage was handed the inspection report the day. Before the closing was not told about black mold, wood rotting of floors, the house ready to collapse, rain damage, moisture causing black mold in crawl space or carbon monoxide in the back bedroom I have to keep the door shut and cardboard under the door. The roof leaks the walls cracking apart the house is falling in on it's self. There was 10 percent inspection done in the crawlspace. The realtor was dating the inspector the condition of the house caused a slew of health issue s respiratory infection s, tremors and memory problems, migraines, the water is on a well smell of rotten egg, sulfide gas, iron and sulfur bacteria this happen after the water heater had to be replaced XX/XX/XXXX payment {$62000.00} a month the central air went out now I have to have a hang on unit air conditioner the house is in a bad shape can't sell to the public, the price is to high to sell to a investors. XXXX insurance company said after paying them three years that the coverage for {$130000.00} XXXX s said it's my XXXX lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, Consumer Financial Protection Bureau, I am writing to bring to your attention my ongoing issue with XXXX XXXX and XXXX XXXX. For the past year, I have been attempting to obtain written verification of a debt that these companies allege I owe. Despite sending multiple written requests for proof that the debt is my obligation and that it was me, and not someone else, who opened accounts in my name, I have yet to receive the documentation required to be provided under the Fair Credit Reporting Act ( FCRA ). 
I would like to note that these letters requesting information were sent through the CFPB and my attempts to obtain this information are easy to document. 
Under Section 609 of the FCRA, a consumer reporting agency is required to disclose to the consumer all information in their file within five days of receiving a request for such information. As of today, I have not received any such documentation from XXXX XXXX or XXXX XXXX. 
Furthermore, I would like to bring to your attention the liability of the credit bureaus for continuing to list these items in violation of the law. Under Section 616 of the FCRA, any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer for actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 
I would like to make it known that legal action will be taken against all parties who are in violation of the law if these accounts are not removed immediately. I also request that any other statutes or language that might be helpful in resolving this matter be included in your response. 
Thank you for your attention to this matter.
Product: Debt collection

I had IC system place a debt on my credit on behalf of XXXX XXXX XXXX XXXX on XX/XX/2023 in the amount {$2600.00}. 

I called IC system few times explaining them that the debt is not mines as I never signed the retainer with the law firm. My dad signed for the Financial responsibility and I was helping my dad through the process because of XXXX XXXX. 

IC system told me early XXXX that they would investigate the matter and get back with me. They never did and just went ahead and filed it on my report hurting my credit. 

I have no option other than waiting around because everyone tells me that this is going to take 30-60 days to get a response. I do not understand how they have are the right to ding peoples credit without having all the information.
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 USC 1681. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - ( XXXX ) XXXX XXXX XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 1681 c. ( 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 it the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Student loan

I paid {$15000.00} in XXXX 2007 when I had a XXXX loan. My student loan was {$11000.00} that I owed. Then I lost my job. My student loan is now almost 4 times that amount now. I had XXXX XXXX then XXXX XXXX. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried a number of times to rectify the issue of having accounts listed on my credit report that are affecting me negatively. I have listed the accounts that needed to be removed from my Transunion file and now another one is being reported without a proper investigation of whether or not the account belonged to me. This has now affected my credit score and has caused me to not be able to exercise my right to have credit extended to me due to information being reported on me that is fraudulent and damaging to my credit worthiness. I am requesting that Transunion verifies and validates that I am LEGALLY responsible and obligated to pay these debts. Failure to provide an appropriate lawful response will result in further action. Failure to respond in 7 calendar days will be considered as admission that these accounts are not valid. Just putting that an account has " been verified '' is not a valid nor legal response. Please remove and permanently suppress the following accounts from my credit report immediately and without fail in 7 calendars days : XXXX. XXXX XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX  XXXX XXXX. XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I received an alert that OneMain Financial had pulled my credit. This was not an inquiry that I was familiar with and I did not authorize this. I called the company to file a fraud report. Apparently there was already {$15000.00} withdrawn under my name. They clearly do not have sufficient fraud control in place to monitor this. I filed a police report today and will be proceeding with the fraud report with OneMain Financial.
Product: Credit reporting or other personal consumer reports

XXXX is reporting an account on my credit report as " charged off, '' indicating that they have written off the debt as a loss. According to IRS regulations, when a creditor cancels or writes off a debt of {$600.00} or more, they are required to report the cancellation to the IRS and issue a XXXX Cancellation of XXXX form for the balance they wrote off. However, I have not received a XXXX form from XXXX XXXX XXXX XXXX for this XXXX XXXX 

As a result, the reporting of this account as charged off is inaccurate, and it is my belief that this account should be removed from my credit report. Under the **Fair Credit Reporting Act ( XXXX  ) **, specifically **Section XXXX, consumers have the right to dispute inaccurate information on their credit reports, and creditors are required to investigate and correct any errors. If the information is found to be inaccurate or unverifiable, it must be corrected or removed from the credit report. 

Additionally, under the **Fair Debt Collection Practices Act ( XXXX  ) **, any information that is deemed inaccurate must be promptly updated or removed by the creditor or credit bureau XXXX in accordance with the law. If this account is being reported inaccurately, I request that it be removed from my credit report as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXof 2017. I sent in a dispute in regards to a Credit Card : XXXX XXXX reporting in the amount of {$5000.00} ( Charge off ). I also reported the inquiries and several unknown addresses reported onto my credit report along with different variations of my name. The credit bureaus : Equifax, XXXX, and XXXX XXXX. responded with this information that is reported is accurate. I provided pertinent documentation proving my innocence on this account along with second Account they are reporting on my report which is fraudulent. XXXX XXXX. They refused to reinvestigate the matter. I again in XXXX 2017 presented pertinent evidence that non of the inquiries and/or two fraudulent account belonged to me : XXXX XXXX and XXXX XXXX. In XX/XX/XXXX  of 2017, they ( credit bureaus ) stated they will not remove any of the  information as it is verified. I provided again in XXXXXX 2017 a police report stating the facts. The two accounts along with inquiries and variations of name, and fraudulent addresses. The credit reporting agencies yet again stated they will not remove this information. This is causing a major hardship for me and my family. I have contacted on number of occasions via phone and mail to all parties involved and wish for this matter to be resolved as soon as possible.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it's explicitly stated that consumer reporting agencies, like XXXX, XXXX, and Equifax, must conduct their responsibilities with fairness, impartiality, and respect for consumer privacy rights. As a consumer, I'm asserting my rights supported by 15 USC 6801, which emphasizes Congress 's policy that financial institutions must consistently respect the privacy of their customers and safeguard their nonpublic personal information. The entity supplying information to credit agencies, categorized as a financial institution, is bound by these obligations. According to 15 USC 1681 section 604a ( 2 ), any consumer reporting agency can furnish a consumer report only in accordance with the written instructions of the concerned consumer. Both the financial institution and the consumer reporting agencies, XXXX, XXXX, and Equifax, lack my consent and, more crucially, my written consent to furnish this information. Any form of consent, whether verbal, non-verbal, written, implied, or otherwise, is now revoked by me. Contrary to the provisions of 15 USC 6802 ( b ) ( c ), the financial institution failed to inform me of my right to exercise nondisclosure options. Moreover, as per 15 USC 1681C ( a ) ( 5 ), XXXX, XXXX, and Equifax are unlawfully reporting adverse items without my permission, a violation of the law. Section 1681s2 ( A ) ( 1 ) A of the U.S. Code clearly stipulates that a person must not furnish inaccurate information to a consumer reporting agency. Equifax and XXXX are thus in breach of this requirement. Additionally, 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations of section 1681c and to limit the furnishing of consumer reports to the purposes outlined in section 1681b. XXXX, XXXX, and Equifax are failing to uphold these reasonable procedures. Lastly, according to 12 CFR 1016.7, I retain the right to opt out of your reporting services at any time, and I am hereby exercising that right. I expect these concerns to be promptly addressed to avoid legal repercussions.
Product: Credit reporting or other personal consumer reports

On XX/XX/2022 I contacted an alleged creditor. I will say alleged because I never received a debt validation letter and was never contacted regarding this debt. 

When I contacted the creditor I had been informed by the original debtor that my balance was {$1900.00}. I attempted to pay the balance to original debtor, they accepted the payment and then the debt collection agency said that the amount was incorrect. 

Every credit agency is reporting the original and current balance of the debt being {$2000.00}. The orginal amount of the debt was {$1900.00}. 

The company that I paid for the debt was not the creditor listed but a company called XXXX, XXXX, and XXXX. To this company I paid {$2400.00}. And yet the balance verified by the credit agencies is still {$2000.00} or {$2000.00} depending on which credit report you look at. Every site has a different and inaccurate amount that continues to be verified as accurate Not only are there inaccuracies with balance, but I was never notified by the company about the debt in the first. They never gave me an opportunity to verify it or pay it ahead of time. 

Also, the dates listed of payment are inaccurate. I paid the alleged balance in full on XX/XX/2022 but it's listed as paid in full in XXXX of 2022.
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 USC 1681. 


OFFICE OF THE ATTY GENAccount Number : XXXX has violated my rights. 

XXXX XXXX XXXXAccount Number : XXXX has violated my rights. 

XXXX XXXX XXXXccount Number : XXXX has violated my rights. 

OFFICE OF THE ATTY GENAccount Number : XXXX has violated my rights. 

OFFICE OF THE ATTY GENAccount Number : XXXX has violated my rights. 

XXXX XXXX XXXX XXXXAccount Number : XXXX has violated my rights. 

XXXX XXXX XXXX XXXXAccount Number : XXXX has violated my rights. 

XXXX XXXXXXXX XXXXAccount Number : XXXX has violated my rights.This account was never 30 days late or past due 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.