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

My student loans are showing up duplicated on my credit report. I took out an approximately XXXX loan to pay for XXXX XXXX XXXX XXXX XXXX XXXX, graduating in XXXX. I began payments in XX/XX/XXXX when the freeze ended. Sometime in XX/XX/XXXX, my loans were transferred from Nelnet to XXXX. My loans then began appearing duplicate in XX/XX/XXXX. I now have approximately XXXX remaining on my XXXX  balance, which is correctly showing up, but there is also a XXXX balance incorrectly showing up for NelNet on my credit report. 

I called NelNet and XXXX on XX/XX/XXXX, complaining of the issue. Each company blames the other, but all agree I do not owe the additional XXXX loan. I have now filed XXXX disputes with XXXX, all of which have been denied ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. XXXX ). I have received emails from XXXX and NelNet confirming that I do not owe this duplicate balance which I can send along. I thought NelNet had resolved, but I spoke again with a representative who disclaimed responsibility. XXXX tells me edfinancial is responsible. All parties agree this reporting of the XXXX loan is in error, but NelNet and XXXX refuse to take responsibility for correctly reporting that balance as closed to XXXX. 

I can attach documents but the attach window coding is currently not working on the website.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent letters to TransUnion, XXXX and XXXX requesting removal of XXXX. XXXX Bankruptcy. I sent with dispute letter information from Northern District of Georgia United States Bankruptcy Court stating, They do not report any Bankruptcies to Credit Agencies. If thats the case. How did the Credit bureaus edify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 U.S.C. 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 U.S.C. 1681 section 604 A section 2 : It states that a consumer reporting agency can not furnish a account without my written instructions.

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

Also, according to 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.

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. 
Credit Bureaus have violated my rights numerous times. 
I havent given credit agencies written permission to furnish this information on my credit reports this is grounds for Removal.
Product: Debt collection

XXXX XXXX SHAME on you : CFPB for not protecting my rights as a citizen within the State of Texas. 
I last contacted CFPB on XXXX regarding my claim, against these fools that keep sending me Harrassment, malicious Letters and Lawsuit, attempts. 
CFPA~ you failed to protect me from this malicious Company that is trying to collect a debt that is well over 10 years old ; You ( CFPA ) contacted MIDLAND CREDIT MANAGEMENT , LLC Complany, and you proceeded to just close my complaint, when I last filed my last complaint report with you ( CFPA ) back in XXXX, and you proceeded to just ignore my complaint case in XXXX. 
Here I am on XXXX XXXX reporting this metastizing company ( ( MIDLAND CREDIT MANAGEMENT LLC ) that will not leave me alone, on a debt they purchased back in XXXX, with XXXX XXXX XXXX, the debt is approximately over 10 years ago ; XXXX, please do something for an elderly XXXX yr old woman, that should not be going through this type of harrasment from ( MIDLAND CREDIT MANAGEMENT LLC ) if you would have taken care of this problem back in XXXX, on my last complaint to CFPA, I would not have to be re-submitting another complaint with CFPA. 
Company : MIDLAND CREDIT MANAGEMENT LLC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Ca XXXX XXXX According to the Statue of Limitations in Texas, no debt can be attempted to be collected after 4 years. Also Regulation F came into effect in XX/XX/XXXX. 
This debt is well over 9 years old, and all three credit bureaus XXXX XXXX XXXX have no history of this debt!
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 XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX A. States I have the right to privacy. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX 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 XXXX XXXX 
XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I submitted a complaint # XXXX XXXX. Apparently this was closed. I received several e-mails to call you but I can never get through. I also have continued to try to get thru to Citibank without sucess. I received my first bill under the new arangement and it makes no sense. It has no detail, just a total due. If I was to pay the principal divided by XXXX it would be {$3000.00}. but they are billing me for {$4000.00} with no explanation
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my credit report shows that I have hard inquiries for credit cards that I did not apply for. The following are the cards I DID NOT apply for : 1. XXXX Bank - XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. Capital One- XX/XX/XXXX 4. XXXX XXXX  XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX It is affecting my credit score and causing me issues to apply for other credit cards.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report EXPERIAN Dear Sir/Madam, After EXPERIAN completes its investigation into the account related to the letter sent on XX/XX/year>, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX XXXX XXXXXXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had XXXX late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Product: Credit card or prepaid card

With no explanation whatsoever, I was charged a {$28.00} 'return check fee ' by Citibank on my double cash credit card. I have never, ever paid by check and I have always paid my credit card bills in full. I was told that the fee was due to a bounced payment, but that the payment went through the second time. I was told that the charge would be waived, however I would have to pay the charge and wait until XXXX for the charge to be removed and credited. This makes no sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon receiving a copy of my consumer report. I seen there was numerous fraudulent accounts taken out of my name. I have contacted the consumer reporting agencies. I have contacted the creditors. I have done a FTC report XXXX  report. With no resolution insight. I am a victim of identity theft. The situation has caused the great distress loss of sleep as well as Extreme damages Due to this fraudulent information being Furnished onto my consumer report
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX credit XXXX XXXX XXXX and XXXX credit XXXX XXXX to block information appearing on my consumer credit report that is tho result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at One Main Financial in XX/XX/year>. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

US Bank 's online mortgage payment is system is ERRONEOUSLY and sneakily adding a late penalty before the payment grace period. I have 2 mortgages and this is happening when I pay both of them. THIS MUST be a system wide trick or egregious error meant to take advantage of customers. The screen does NOT show any penalty YET the amount includes it. Per US BANK 'S own mortgage statements, the late fee MAY be charged after the XXXX day of the month ( when the payment is due on the XXXX of the month ). I just paid these 2 mortgages on the XXXX, and the late fee was sneakily applied to the payment amount without any transparency as to why and it should not have been added at all per their statement language " If received after XX/XX/2023, {$54.00} late fee may be charged. '' None of my payments have even been LATE.
Product: Debt collection

I attempted to contact the company and was past due and daily interest is being charged. I told the company that I cant the past due all at once and could they please close the account I no longer want to use their services. I can pay XXXX a week on the account. They said no gave me another option - I said again what I can pay. They said they will not close the account.
Product: Credit reporting or other personal consumer reports

Experian and The XXXX XXXX are violating my consumer rights by reporting XXXX late payment for the XXXX, XXXX, & XX/XX/2023 that they have not proved to be verified as accurate. 

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

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Debt collection

i had this debt on my credit report and disputed it and reported it to the fcc and XXXX, and they removed it from my credit report, but now its back again under another credit collections agency but from XXXX. they just put it back on with another name so it will go back on my credit report. i had already spoke with XXXX as well when this issue incurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been currently disputing accounts on all three of my credit reports since. Experian ... XXXX and XXXX  since XXXX of 2019. I have discovered that Experian and XXXX   continue to inaccurately report my student loans. XXXX  has deleted them, Transunion is reporting them in good standing, and Experian is reporting them as having XXXX missed payments!!! I have been successful with them deleting my student loan accounts from XXXX  but not XXXX or Experian. I have sent out dispute letters to the creditors as well as all three credit bureaus. During every dispute process the creditors and credit bureaus failed to show me proof of original documentation that I still owe money on these accounts. S and Im behind on payments, my next step is litigation. I have consulted with a credit lawyer who has advised me to submit a complaint via CFPB first and if the issue isn't resolved for them to delete those student loan accounts off my credit reports after this we will move forward with litigation with TransUnion and Experian for violating the laws of the FCRA sections 611 and 623.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently a '30 day late ' appeared on my credit reports with TransUnion that I noticed in XX/XX/XXXX. I  disputed this item because I was not late. The vendor is XXXX XXXX XXXX XXXX XXXX which was merged into XXXX XXXX XXXX XXXX XXXX around 6 or 7 years ago. The '30 day late ' appears as a XXXX XXXX XXXX XXXX XXXX but the same loan has no negative marks when it was converted to a XXXX XXXX XXXX XXXX XXXX loan some time around XX/XX/XXXX-XX/XX/XXXX. This '30 day late ' also  cause my credit score with TransUnion to drop 109 points in Late XX/XX/XXXX or early XX/XX/XXXX.  Since XXXX XXXX XXXX XXXX XXXX does not exist it is in my opinion that XXXX XXXX XXXX XXXX XXXX need to correct this '30 day late ' issue by removing it from my file and TransUnion needs to fix my credit score that recently dropped 109 points. The late appears sometime in early XX/XX/XXXX in either XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. Different reports have different dates. 
Thank you, XXXX XXXX XXXX, XXXX, MN XXXX
Product: Mortgage

I have filed home scam case against Third Federal Savings and loan with CFPB, and others. I did not get home scam determination report from the government yet. HUD is saying something bad happened to my home and I should see a lawyer. Please investigate and provide me the actual report so I can refinance my home through HUD. Powerful and influential people are behind this home scam.
Product: Debt collection

I requested CAVALRY PORTFOLIO SERVICES , LLC ( `` CPS '' ) to send validation of this alleged debt months ago. I have not received an original contract with my wet signature binding me to this alleged debt. I have never did business with this company, and they are in violation of 15 USC 1681b ( a ) ( 2 ) because they are reporting a collection on my consumer report I never gave them written instructions to furnish anything on my report. We have no dealings at all with them, they have my non-public personal information that I never disclosed to them, that's identity theft. I am requesting proof of current ownership, the forward flow agreement, the aggregated value of purchase of this alleged debt between the original owner and the current owner. They stated that this alleged debt is with a law firm XXXX XXXX  XXXX, I am requesting proof of representation from this law firm just to see if they are really representing cavalry and don't have interest. I demanding all the above to be notarized before I am in receipt of what I requested. While we are disputing this needs to be removed from my report immediately. I am requesting this company to cease & desist, that means all mediums directly and indirectly.
Product: Money transfers

I signed up for a PayPal account to transfer money to a photographer for a photo shoot. I received a letter in the mail from PayPal a week later or so stating that I was not approved for a line of credit due to too many credit inquiries on my credit report. I am really upset because I did not want a line of credit from PayPal. I had just purchased a new vehicle and some new furniture so I knew I had recent inquiries and did not want any more. This has now gone against my credit and it really made me mad and confused because I had no idea that I was even applying for a line of credit.
Product: Debt collection

Starting towards the end of 2017, I began getting almost daily recorded calls from Transworld Systems , Inc., saying it was very important I call them to resolve a debt. The recording said toe call XXXX XXXX XXXX at XXXX. Since I knew I had no uncollected debts, I asked my accountant to the call the number. She did, and said it was clearly a scam - the company could not identify any unreported debt, but simply kept asking for personal information about me, such as Social Security #. She asked them not to call anymore. 

Nevertheless, I get these robocalls almost every day. This is obviously a fraudulent attempt to gather information about me. If it were a real debt, they would put it in writing and mail me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXXXXXX account XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$640.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. My DOB XXXX XXXX SS # XXXX. 
I found an incorrect spelling of my name ( XXXX XXXX ) not name please delete it. I was looking further into my file I found addresses that I never lived at. Please delete the following unknown addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Debt collection

Told me I had one account in legal for {$500.00} and another account with them for {$1200.00}. Would not accept payment plan less than {$500.00} per month. Stated that only the {$500.00} was priority that if I paid that they would transfer the {$1200.00} out of legal ( where I could get a better payment plan ). I paid the {$500.00} and they refused to transfer the {$1200.00} out of legal and refused my offer to pay off the debt via a payment plan I could afford ( I even offered automatic payment ). They got my {$500.00} by lying to me about the {$1200.00}.
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, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX  : XXXX, XXXX 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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case