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

The account was opened   XXXX   XXXX   XXXX   for amount of {$500.00}. The payment was paid in full and satisfactory to my creditor as per our agreement.and tried to resolved it for over 1 year.      The credit reporting agencies keep on reporting it as Paid, was a charge-off despite that the account was paid in full not charge off ( EXHIBIT A ). Over 1 year my creditor and I have try to inform the credit reporting agencies to make this correction without luck.    In Credit report Agengies, it is stated as FP ( Fail to Pay ) as of   XXXX   XXXX   and I sent a letter to both  XXXX   XXXX   XXXX   XXXX  ( Exhibit C ). The creditor sent a letter to confirmed that I made full payment to the creditor and invited to apply and gain a new card ( EXHIBIT D ).   The creditor agencies reported in my payment status as Legally paid in full for less than the full balance  XXXX  Exhibit B ) which is wrong after getting my result of my complaint from CFPB.    The Creditor Agencies punishing consumer who exercise their right to ask for fair credit report treatment by keep on reporting wrong information in the credit report. Please can you step in to help me resolve this problem w hich over  XXXX  years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX have 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 an account without my written instructions.
Product: Vehicle loan or lease

Hello Dear, COVID 19 HARDSHIP My case is not really simple and is sad, I have 2 loans with ALLY since XXXX, and we got into payments default and we couldn't make the payments, and we got our truck repossessed. 
COVID 19 destroys a lot of lives, businesses, and jobs. 
Unfortunately, I lost my XXXX XXXX XXXX XXXX -GOT REPO- EXACTLY XX/XX/XXXX WHEN THE COVID 19 PANDEMIC HAPPENED, I TRIED TO NEGOTIATE WITH ALLY AND GET MY TRUCK BACK, Also in XXXX my husband lost his job again, and I called ALLY on XX/XX/XXXX and they told me to pay around {$8000.00} with the expenses to give the truck back, I am the only one who is still working in my house, I asked them please put this debt to the end of my loan, please help me and my family. I have this car since XXXX, I got hardship in XXXX and my family and kids were sick. 
Please give the truck back. Unfortunately, I lost. 
VIN XXXX {$34000.00} SOLD XX/XX/XXXX XXXX {$18000.00} REPOSSESSING E TRANSPORTING XXXX EXPENSES {$820.00} REBATE XXXX I got a letter from ALLY 3 DAYS AGO TELLING ME TO PAY {$16000.00} It got me in the WORLD PANDEMIC! We need a chance! I don't have this money. I don't have the car, unbelievable I feel that I got robbed. Please I think they should give a new truck. Please help me and my family.
Product: Credit reporting or other personal consumer reports

I Am a Victim of Human Trafficking Of Debt Bondage and would like for all listed accounts To Be BLOCKED & DELETED Company Information XXXX XXXX Experian LLC XXXX XXXX customer last four of social XXXX customer name XXXX XXXX XXXX XX/XX/1994 As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage , which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts XXXX XXXX XXXX bal. {$13000.00} XXXX XXXX XXXX. {$220.00} XXXX XXXX XXXX XXXX {$26000.00}
Product: Credit card or prepaid card

On XX/XX/XXXX, I called Citi Cards to dispute a transaction with XXXX XXXX XXXX. The disputed amount {$2900.00}. 

On XX/XX/XXXX, Citi Cards sent me an email stating that my dispute is still open. 

On XX/XX/XXXX, Citi Cards sent me another email stating that the merchant, XXXX XXXX XXXX had responded to my dispute and that I would be notified within 10 business days. XX/XX/XXXX, I called Citi Cards to ask if they needed any documentation from me to support my dispute. I was told it wasnt necessary at this time and that Citi Cards would request it when needed. 

On XX/XX/XXXX, I received a letter by mail from Citi Cards requesting additional information and documents by a due date that expired on XX/XX/XXXX. On XX/XX/XXXX, I called the dispute department at Citi Cards to inform them about the expired due date on the letter and XXXX, the representative told me that she would make a note on the dispute and bring it to the attention of the investigator regarding the expired due date. In the mean time, she told me to submit my supportive documents through email promptly. 

On XX/XX/XXXX, I emailed all my supportive documents regarding my dispute including the notice of cancellation agreement with XXXX XXXX ( XXXX XXXX XXXX ). 

On XX/XX/XXXX, I received a letter from Citi Cards stating that they couldn't resolve my dispute and will be rebilling me the amount of {$2900.00}. On XX/XX/XXXX, I called and spoke with XXXX with Citi Cards dispute department. He said the case is final and closed. He said I was too late to respond with my supportive documents and the dispute can't be reopened.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Upon receiving a copy of my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. I do not have a contract and I did not share my personal information with XXXX XXXX XXXX trying to collect and report on my credit report. They did not provide me with the original contract as I requested. I am writing to inform you of my rights and obligations under 15 USC 6802 regarding the disclosure of my personal information. As a consumer, I have the following rights and responsibilities : XXXX. Right to Know : I have the right to know what personal information about me is being collected, used, and shared by financial institutions. XXXX. Right to Opt-Out : I have the right to opt-out of the sharing of my personal information with non- affiliated third parties. XXXX. Obligation to Protect Information : I have the obligation to take reasonable steps to protect my personal information from unauthorized access and disclosure. XXXX. Right to Access : I have the right to access my personal information held by financial institutions and to correct any inaccuracies. XXXX. Right to Limit Sharing : I have the right to limit the sharing of my personal information for marketing purposes. XXXX. Obligation to Notify : I have the obligation to notify financial institutions if my personal information changes or if I believe it has been compromised. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and rectify these items from my credit report. It is my understanding that you will verify this information with the relevant creditor. I kindly ask you to remove any information that the creditor is unable to verify. Please be advised that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. Furthermore, I request an updated copy of my credit report to be sent to the aforementioned address, as the act dictates that there should be no charge for this updated report. Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX report documents enclosed shows open with a balance and should show as closed included in XXXX  XXXX bankruptcy and the balance paid in full. Also on TransUnion my account should show closed, not derogatory, as all my other account show that were included in XXXX  XXXX case ... Case : XXXX ( XXXXXXXX XXXX XXXXXXXX ) discharged XX/XX/2022. TransUnion in remarks shows XXXX  XXXX but doesn't show closed.
Product: Student loan

I attended XXXX XXXX ( XXXXXXXX XXXX ) and have federal student loans. I was defaulted by my school, and after applying, I was waived into the sweet v XXXX class lawsuit and federal student loan while attending the school were granted for full forgiveness under borrower defense. I was notified by the department of education XXXX XXXX XXXX  of the approval. It was advised to check with my loan servicer, aspire servicing, ( Iowa student loan ), for any updates. 
I have contacted my servicer XXXX x now Inquiring about why ALL my loans balances are still present and why have I not received the borrower defense relief I was promised. At every attempt to get answers from my servicer and ultimately to ensure that my loans are forgiven as promised by the Department of education, I have not had any success aspire servicing continues to tell me they have not been communicated with as far as me being approved for borrower defense. I have tried to give my servicer copies of the correspondences I have received from the Department of education advising of the approval and the status, yet aspire servicing continues to tell me that they will not accept the documentation for me and it needs to come straight from the department of education. I then have called the department of education, borrower, defense, XXXX or XXXX different times explaining to them that my servicer does not have the approval and information necessary from the Department of education to be able to process the discharge. The department of education continues to tell me that they have communicated with my servicer. At all attempts, I just end up going into circles. Nobody can seem to solve the problem. I was granted bar defense. My servicer is claiming that they have no confirmation of this and theres an obvious between the environment of education in my servicer and Im getting very very frustrated. Im entitled to relief so why am I not getting the relief??? Ive asked my servicer. Can you please reach out to the Department of education or borrow our defense to inquire about my concerns they have told me that they are not allowed to get my information from the department of education, which makes absolutely no sense. I was granted approval of full discharge therefore I expect that theres proper communication lines between my servicer in the department of education and nobody can seem to Fix this clear miscommunication issue between the two ( servicer and XXXX XXXX XXXX ). Therefore, my loans are accumulating interest, and now my servicer is demanding that I qualify for income base repayment, which I shouldnt have to qualify for because I was approved to have all my loans completely forgiven. I need a refund. I need the loans to go away as promised, Im entitled to this, so however, the department of education needs to get the information stating that I qualified and Ive been approved for full discharge to my servicer. I dont really care how it gets there. It just needs to get there because clearly everyone saying that thats how it needs to work but its not happening
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my LoanDepot mortgage in full on XX/XX/2020. I had attempted to speak with them multiple times and they did not answer after placing me on hold for over an hour at a time. I have never missed or been late on a payment. Over a week after paying the entire mortgage in full, LoanDepot placed a late payment on my credit report. Due to their untimely reporting, failure to provide customer service, and failure to even speak with a customer working in a hospital during a pandemic trying to survive in keeping their family in their home, I am requesting that LoanDepot remove the late payment from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX - Inquiry : XXXX XXXX, 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing me as having authorized user status on a XXXX account that isnt mine. I have called them on numerous occasions, the latest being XX/XX/18 and asked them to remove my name from the account. I have not authorized XXXX XXXX to issue me a card on this account nor consented to them to report this accounts status information to my credit file. They refuse to remove me as an authorized user and delete the account from my credit reports.
Product: Credit card

This is from the original case number XXXX. The bank offered me a payment plan of {$230.00} a month they said they did not get payment so they took me off the plan. They also told me not to pay for 2 months because of the Hawaii wild fire. See attached, and the payment plan will resume. I have made 2 payments in XXXX. I am asking this complaint for a second time be sent back again since this was never handled correctly.
Product: Credit reporting or other personal consumer reports

am writing to dispute the following unauthorized hard inquiries that appear on my Equifax credit report. I am a victim of identity theft, and none of these inquiries were authorized by me. I am requesting that these fraudulent inquiries be immediately removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, which mandates the removal of any information related to identity theft. 

The unauthorized inquiries are as follows : 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  These inquiries were made without my authorization, and I request that Equifax immediately investigate and remove them from my credit report. These fraudulent inquiries are negatively impacting my credit and I trust that they will be removed as required by law.
Product: Credit card

XX/XX/year> I phoned Discover card to request a credit balance I had on my account in the amount of {$140.00} be transferred to my bank account. I had no pending charges and didn't want this credit balance left in the account. Discover provides no option online to make this request or via their phone prompts. The agent didn't seem to be knowledgeable on how to proceed with my request and I was put on hold numerous times, with the call lasting just under XXXX minutes for a simple request. I was given the option of an ach transfer or check mailed. I selected ach. I receive the funds in my bank account on XX/XX/XXXX and was pleased. On XX/XX/XXXX I received my Discover Card statement and was very upset to notice a balance DUE of {$140.00} and seeing Discover specify this amount as an ACH credit funds reversal! I immediately phoned the company. The rep investigated it and stated Discover had issued me BOTH a check and ACH transfer for my credit request! So they applied the mistake which was entirely their fault back to my credit balance. This despite the fact I hadn't received nor cashed any check from Discover. Discover could have waited until they saw I received both the ACH and a check before attempting to reclaim any potential overpayment, instead they immediately applied {$140.00} charge to my account, funds which I DO NOT owe them! The agent on XX/XX/XXXX told me she would implement a stop payment and the mistaken amount due would be removed from my account in XXXX to XXXX days. I called Discover again XX/XX/XXXX to inquire as to confirm the stop payment was processed, was connected with a supervisor and told Discover has yet to implement the Stop Payment and the charge won't be reversed until they do. This despite XXXX stop payments requests had already been made, Discover continued to drag their feet holding my account hostage with the fraudulent charge the placed on it. As of this date, XX/XX/year>, the amount remains charged to my account. There is absolutely NO reason why Discover should think they have a right to charge me for their mistake. I DO NOT have an extra {$140.00} from them and do not owe them that amount. A company as large as Discover should have blocks in place which prevent the issuance of both an ach transfer and check issued for a credit balance. It's not the customers fault they don't and they have no right to expect me to pay them money back that I don't owe! Furthermore, when a customer calls and points this out to them they should take immediate action to rectify the situation instead of forcing a customer to jump hoops to correct this situation. Discover is attempting to defraud me, a customer of XXXX years who has always paid on time! Their actions are egregious and outrageous.
Product: Money transfer, virtual currency, or money service

I paid for items on these dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have been adding money on to my account and it was not taken off yesterday XX/XX/XXXX. I was re-charge in the amount of XXXX, XXXX XXXX and {$23.00}. I reached out to customer service. I was hung up on. I asked for proof stating that the money was reversed to my account which it does not show on my transactions. I was told that my account was adjusted for the money that was not taken out. There is nothing showing that on my account, so when I added money to pay my insurance, cash app took {$100.00} out of my account without notice or without reasoning, I was unaware of any charges being reversed to my account. It has caused a hard ship because the money was for my rent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my multiple endeavor to tell Experian that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Pursuant to Section 605B of Fair Credit Reporting Act this unknown item must be deleted : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX VA XXXX , XXXX XXXX XXXX XXXX Date opened XX/XX/2016 Balance {$35000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a couple collections being reported to my credit file. A couple from XXXX XXXX XXXX and a couple from XXXX and XXXX. These collection are paid. I never received my 30 day right to dispute and wasn't even aware of these collections on my credit file until i had my credit pulled recently. I have filed multiple complaints and disputes with them directly and they are not responding to my disputes. I have sent in disputes to XXXX Equifax and, XXXX with no response. This is absolutely ridiculous. I don't understand how they can add these collections to my credit file without advising and then refuse to remove or even respond to my disputes. I have made SEVERAL attempts to contact all parties involved to try and get my credit into better standings and have not received a response. I am very upset and i need these collections removed from my credit file ASAP. They have violated my rights and refuse to respond to me.
Product: Vehicle loan or lease

Capital One reposessed vehicle after agreeing to payment plan. Failed to follow through with payment plan after agreeing to split up past due amounts into 3 payments. Capital one refunded payments after they were made and became posted to the account for no reason given. Reposessed Vehicle and failed to notify owner of location of vehicle for over a week violating CA repo laws. Illegal repossession took place as the repo company failed to produce documents related to vehicle after requested then contacted Law enforcement after being asked to stop taking vehicle when vehicle was attempted to be removed when owner was in the vehicle. Owner jumped out of vehicle after vehicle was lifted and by tow truck and attempted to be taken while owner was inside vehicle jeopardizing safety of owner. MOst of monthly payments have gone toward interest charges and charges associated with the full length of the loan not actual interest accrued. Other wise car loan should be considered quashed for failure to offer services made to other similar customers who have suffered hardship situations prior to terminating agreement. Credit report is not reflected with history of account as it should be. and all payments are showing refunded when they have not been. total amount due is not reflecting any payments made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am. a natural person, l am a living human being, I have rights under 15 USC 1681.

Equifax is govern baby 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 I have the right to privacy and I did not Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX