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

I have attached a letter with an account that is reporting a collection inaccurately to my credit report which is a violation of the FCRA
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$8900.00} XXXX XXXX XXXX - XXXX {$6400.00} XXXX XXXX XXXX - XXXX {$9500.00} XXXX XXXX XXXX - XXXX {$380.00} XXXX - XXXX XXXX XXXX  - XXXX {$3800.00} XXXX XXXX - XXXX {$4300.00}
Product: Credit reporting or other personal consumer reports

I have credit inquiries that I do not recognize and did not give consent to be on my credit report or check my credit report, I have had a problem with fraud being committed in my name and I will like these to be removed only thing I have applied for was a XXXX  XXXX card everything else is fraud
Product: Credit card or prepaid card

On XX/XX/23 I had some charges from XXXX I needed to dispute. So I disputed them all from that day but a charge for {$99.00} and {$49.00} somehow didnt get included in the initial dispute. So I called a few days later. The person I spoke to said they added those two disputes. Few days later still on there. I called. They said we are updating our systems and call back in a hour and they hung up. I called back a few days later and they said same thing but would be 1-2 days until they could take my call and they hung up. After that I called they AGAIN added those two disputes or so they said. I dont get how everything was that day from same place but its so hard for them credit me back {$99.00} and {$49.00}. I then saw I havnt been credited back so I called once again. The gentleman I spoke to kept getting the dispute amount wrong and kept putting me on hold. So after 30 mins going back and forth my call got disconnected. It shouldnt be this hard to get credit back since I was credited back everything else.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end Aconsumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end Aconsumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Student loan

On XX/XX/2023, I called Nelnet to request my student loan that I paid during Covid to be repaid back to me. Nelnet said they put in a request for my refund. On XX/XX/2023, I called back and was told no request had been submitted on my request, so Nelnet would submitted the first request for me. 
Now XX/XX/2023, almost 2 months after my request, no refund has been issued to me. I contacted Nelnet and was given a run around saying " we are working on it " Filed my first complaint with Consumer Financial Bureau Protection. The company responded " contact customer directly ''. However, their response letter was very vague, repeated the same thing " we are still working on it ''.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for inaccurately reporting a debt based on an altered promissory note. The debt in question, reported by XXXX XXXX  XXXX, is based on a note that was transformed from a promise to pay into a draft ( order to pay ) by the addition of the language pay to the order of on the allonge attached to the note. This alteration is significant as it changes the nature of the document, making it a draft governed by UCC Article 3, rather than a promise to pay governed by UCC Article 9.

Under UCC Section 3-104, a draft is a negotiable instrument directing payment to a third party. It is fundamentally different from a promise to pay, which creates a direct obligation from one party to another. This alteration renders the note invalid as a promise to pay a debt from the outset. Equifax failed to properly investigate this issue during the dispute process, and continues to report this altered draft as evidence of a valid debt. 
The Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681i, mandates that credit reporting agencies ensure the accuracy of the information they report. Equifax failed to verify the altered note and did not investigate its fraudulent use as evidence of debt. This has led to continued reporting of inaccurate information on my credit report. 
Additionally, Equifaxs failure to recognize the legal implications of this altered document violates UCC 9-102 ( 65 ) and UCC 3-407 . This also breaches the FTC Act and further demonstrates non-compliance with both federal and state regulations. 

Additional Information : The dispute was submitted on XX/XX/XXXX, and completed on XX/XX/XXXX. Despite the dispute being processed, Equifax failed to properly investigate the validity of the debt and continued to report it as accurate. I request that Equifax take corrective action to ensure my credit report is accurate and compliant with the law.
Product: Vehicle loan or lease

In XX/XX/XXXX, a Hyundai rep called in concerning my account. Hyundai rep ask how I plan to pay off the remaining balance XXXX. I informed the rep, according to my account, next payment is not due until XX/XX/XXXX. Rep informed me - after the XXXX and XXXX paid the XXXX, which was XXXX, Hyundai requires the balance to be XXXX XXXX XXXX immediately and the XXXX you received about the next payment is inaccurate. I informed the rep I was unaware of the procedure and asked if my account was in XXXX XXXX. Rep stated- no your account is not XXXX. I requested to XXXX the XXXX balance of XXXX by XX/XX/XXXX. The request was approved by the rep. I asked for my account to be noted about the payment XXXX for XX/XX/XXXX so there's no confusion. Everything was XXXX. I was on a XXXX line with Hyundai rep when the XXXX XXXX arrangement was made. XX/XX/XXXX, Hyundai closed the account and between XX/XX/XXXX - XX/XX/XXXX of XXXX reported my account as " XXXX XXXX XXXX XXXX XXXX '' including my husband XXXX XXXX XXXX XXXX. Neither XXXX of us were aware of the action done by Hyundai until XX/XX/XXXX. I called on XXXX and XXXX XX/XX/XXXX AND XXXX, XXXX, XXXX, and XXXX, XXXX about account. I was only told t - account closed and you must pay your balance now. XXXX XXXX has been sent in the amount of XXXX with a XXXX letter of what transpire. No information was given to take care of the matter with company - lost my trust in them. My husband and I both receives an XXXX from Hyundai Finance about NEXT payment due XX/XX/XXXX, BUT the account suppose to be a XXXX XXXX. Left to submit complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX The account information and payment information are not correct it stated the date closed 2019 which is incorrect, reporting late payments incorrect for XX/XX/year> XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> You report late XX/XX/year>, which is not correct, also you report late 120 days for XX/XX/year> the same 120 days late and XX/XX/year> for both months and reporting incorrect charge off date. 

The consumer reporting agencies need to report all information with complete accuracy, The following XXXX XXXX accounts have been reporting inaccurately. 

This is my 4th request with no updates no answer and you keep updating incorrect information on my credit report. You have not responded to my previous request and keep updating information wrong every time.
Product: Mortgage

I agreed to refinance my home with new terms in XX/XX/XXXX. Over the course of the next 5 months, Freedom repeatedly and purposefully delayed the closing process in order to keep me at a higher rate for longer in order for them to collect more money. They repeatedly tried to get me to sign off on a higher interest rate than I originally agreed to. This " issue '' happened multiple times over a 5 month stretch. I had to constantly keep up with them about the status of my loan and if it was even being worked on or fixed. 

As soon as I called them out for what they were doing, the issue was magically fixed. I finally closed on XX/XX/XXXX after initially starting the process on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted my complaint with the credit bureaus and later to the CFPB. To no avail, an account is still reflecting incorrectly on my credit file. CFPB has not failed to help me get this issue resolved and I still have not been monetarily compensated. Now I am being charged even higher rates and am being affected from finding an apartment. 
The account in question is XXXX XXXX ACCOUNT NUMBER XXXX ADDRESS XXXX XXXX XXXX XXXX, TX XXXX is still only reflecting incorrectly on TRANSUNION AND NOT XXXX OR XXXX. The information across all three reports is inconsistent and go against the laws regulations which state information should be consistent and after the investigation 30 days if it is not fix it needs to be removed. This needs to be fix and completely removed since all three bureaus continue to refuse to actually update my credit file with consistent information. It has now been 90 days and this issue still isn't fixed and their investigation only left me with more fees. I have attached the credit reports with show the inconsistent information. XXXX XXXX is on Transunion and not on XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

Tomoboost VIP Journey subscription service promises to report current bills and a credit line of $ XXXX to all bureaus for a hefty price of $ XXXX. I got this subscription based on those claims and waited to see the impact. The first month passes and I check to see my credit report but see nothing reported. I reached out to their support team but don't get a response. I reached out again and again and a few weeks later i got a response. They said that it could take 45 -90 days for the reporting to reflect on my credit report. The 90 day mark passes and still nothing. I paid them for three months and got nothing from them - Not a single one of the services they claimed to provide. I keep emailing the support/customer care team but only get a response on average after the third follow-up. They don't have a customer service number to call either. It has been a hard battle to get them to cancel the subscription. You can't even get the receipt for the payment of the subscription. I asked them for a refund as they never provided the service, and they have declined and stopped responding.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
XXXXommunication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Exter Finance has been disputed and contacted several times for incorrect credit reporting. The account was XXXX. in full for the settlement amount however on each credit bureau it is reflecting incorrect information. For example past due amount, closed account, delinquent, original agreement was account would be paid to delete. After account was P.D. on amount agreed and letter would be sent as proof and account would be removed however account still reflecting not only incorrect information but after terms have been meet still showing on Co owner and my account. After speaking to several representatives and several disputes account still reflecting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account 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.
Product: Credit card

During the summer of XXXX, in XXXX, XXXX XXXX and TD Bank sent an email indicating they were transitioning to another payment system. Instructions were mailed to me requesting patience as the company transitioned to its new online payment system. Unfortunately, I attempted to contact them several times to continue my payment but could not speak with a representative. 
The previous method/format to pay my bill has been suspended as TD Bank and XXXX transitioned to a new system. I received an email in XXXX confirming that TD Bank and XXXX had implemented the new system, which is finally working. Unfortunately, through XXXX XXXX, TD Bank notified the Credit Bureaus that I missed payments, and they immediately sent notice that I had defaulted my payments, sending my credit score plummeting more than XXXX points! 
Where I had a score between XXXX and XXXX, my current score is now between XXXX and XXXX! 
Additionally, I have attempted to make monthly payments and have experienced challenges with login, password verification, etc. This is ridiculous. 
I feel they are continuously trying to accrue late fees on this account! Please investigate this for me! My credit is essential to me! I have been unsuccessful in securing a representative. 
I am aware that TD Bank Financing has been charged with money laundering. They are also responsible for intentionally making accounts delinquent to accrue fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate unknown things and late payments on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.