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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




DEPT OF EDUCATIONXXXX # XXXX DEPT OF EDUCATION/XXXX # XXXX DEPT OF EDUCATION/XXXX # XXXX DEPT OF EDUCATION/XXXX # XXXX 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 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Delete Collections from Enhanced Recovery Co L from XX/XX/2022. Your company is in clear violation of the law under 15 U.S. Code 1602 p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

15 USC 1692b Not state that such consumer owes any debt ; Analysis A debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another partys ability to identify him ( e.g., the true identity can be ascertained by the employer ), and the collection laws of his or her state allow the same.

15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
Best Regards, XXXX XXXX
Product: Mortgage

LoanCare Acct # XXXX is reporting the verbiage " Student loan-payment deferred- Account in Forbearance '' on my credit report. This account is NOT in forbearance. This account is current and has never been late. The verbiage is preventing me from being able to Refinance my home. I have called several times and have been told that the issue has been resolved but it has not.
Product: Vehicle loan or lease

I am a single father in the military. While deployed from XXXX to XXXX, I left my children in the care of my sister with the vehicle I purchased using Wells Fargo Dealer Finance. I continued making payments on the vehicle throughout the deployment. I returned in late XX/XX/XXXX. I was activated again in XXXX. Again, I left my sister in charge of taking care of the payment. Upon my return, I discovered the payments were 60 days past due. Wells Fargo Dealer Finance was threatening me with the repossession of the vehicle. I had pleased and beg them to reconsidered charging off the account. I told them I could restart the payment and took care of the charges that were late. I explained that I was on XXXX XXXX orders and the person I left in charge to make sure the bills were paid did not perform as agreed upon. I was told, the account has been charged off and I would need to pay the charge off amount or the vehicle would be repossessed. I paid almost {$14000.00} they requested and charged off the account. The charged-off account is still on my credit report for which I am paying dearly.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax and XXXX multiple times to request the removal of several inaccurate accounts and collections that are being reported on my credit report. These accounts either do not belong to me or contain incorrect information. Despite my efforts, the following accounts and collections remain on my credit report : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Actions Taken : I initially contacted Equifax and XXXX to dispute these accounts and collections, explaining that they are either not mine or contain errors.I followed up but have not received any resolution. Despite my repeated disputes, these inaccurate accounts and collections remain on my credit report, negatively impacting my credit score. 


Current Status : As of XX/XX/XXXX, these incorrect accounts and collections are still being reported on my credit report. I am seeking assistance in having these inaccuracies removed and my credit report corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX I sent letter regarding inaccurate and unknown things on my credit report to this day over 60 days, later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that failure to investigate their items within 30 days gives a reason to immediately remove those, items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by Equifax data breach.
Product: Credit card or prepaid card

I dont undrrdnad the PayPal credit option is always declining me due to identity verification and this bank wont hekl me to get veifief and approved
Product: Credit reporting 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. XXXX XXXX : XXXX, XXXX 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 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. 

My identity ( including but not limited to : my name, address, passwords, and SSN ) were allegedly leaked in a data leak on the dark web according to XXXX and XXXX. 

There are inquiries I do not recognize from : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Again my data was leaked and these inquiries are a result of that leak.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Networks is reporting erroneously on my credit file. I have been checking my credit file and noticed these late 's are being reported. I was severely impacted by COVID and fell behind a few months with them but called to got caught up and paid the remaining balance to avoid any new late notations being that I was unsure of my financially stability and job security. When I called in to make the payments I discussed with the representative about getting the late 's notation removed as it was a results of COVID and per the federal mandate, CARES ACT, they can not report late 's during the pandemic. They confirmed that the late 's would be removed from my credit file in XXXX days. Its been more than amount of time and these late 's are still being reported. I called to see if I could get an update as to when they're going to be removed and I was told that this conversation was never notated and no investigation had been started. I filled the complaint with them to send to their credit reporting department, though I am very disappointed as I have already request the late be removed various times. They also stated they never received any letters from me though I have been sending dispute letters to get the late 's removed quickly since late XXXX. I never received any letters calls or notices about being late and haven't received any responses to the various complaint 's I've sent to them. I have been in constant contact with Synchrony and I feel as no matter what I do they refuse to help me and even notate my complaints. I have send many letters and am tired of getting the run around. I would like for them to follow through with their word and remove these late 's from my credit file.
Product: Vehicle loan or lease

united autocredit should not be permitted to teport a repossession on my report sincd they committed fraud by reposeing my van as i never refuse to pay i ask for a validation of debt and they never provided me with such validation and they went ahead and repossessed my van with out notice they violated contract law and also went ahead and repo the van with packages from my job inside the van I have notified the bank of not repossessing my van with out first providing the debt validation I requested which is my right under the law they have committed securities fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still 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 are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021 Equifax XXXX XX/XX/2021 Equifax XXXX XX/XX/2021 Equifax XXXX XX/XX/2021 Equifax XXXX XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XXXX XXXX Equifax
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XXXX I received my statement with an amount due of {$200.00} due by XXXX. I made the payment as I usually do on XXXX believing that my loan payment was accurate and on time as usual. However dated XXXX two days prior to my planned and scheduled payment I was sent a change in payment schedule notice that was unclear. It did not clearly indicate the reason for the change, the difference in the increase amount, or that the change was being applied mid billing cycle. I simply assumed the change would apply next cycle and that it was a small increment increase or a change in the number of payments. 

I was shocked when I logged into Navient on XXXX to schedule my XXXX payment and saw that I had been assessed late fees on three loans and that the total monthly payment amount on my loans was now almost triple what it had been. After an immediate reaction of panic I attempted to find an answer through the website, but it was not helpful and I got error messages more than once forcing me to log back in or refresh the screen. I did send two emails through the email link and was sent an automated message that my email would be reviewed. I also looked at my XXXX statement and realized that it did list that I was past due and my payment due had jumped from a barely manageable {$200.00} to an impossible {$640.00} and that was just on some of my loans, not all of them. I do not usually look at the statement in depth, especially e-statements, because I log in to the website around the same time each month to make my payment as planned. I just like to have them saved for my records. 

Now I am really concerned because I was under the impression that I was on a long-term repayment plan with the potential for forgiveness if I made all my payments. With this sudden mid-cycle change by Navient I am concerned that not only is my credit bureau being impacted, but my eligibility for this much needed forgiveness program is in jeopardy or lost all together. It is completely impossible for me to make the drastically higher payment to become current again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Igota{$500.00}loanfrommoneylioninXX/XX/XXXX.IagreedtopayweeklyonFridays.MidXXXXIhadfraudissuewithmybankaccountsomyaccountwasdelinquentuntilifixedittowardstheendofXXXX.DuringthesecoupleweeksMoneylionwouldnotletmepaymyweeklypaymentwithanotherformofpayment.SoIhadtoputastoppaymentsoiwouldnotkeepgettingfeesfrommybank.OnceIhadmyaccountbackinorderItriedtoresumeXXXXpayments.For2weeksinarowmyattemptstopaygotrejected.Itwasverydifficulttogetincontactwithapersontofigureoutwhatwasgoingon.OnceIfinallydidmypaymentsresumed(XX/XX/XXXX)excepttheytoldmemyloanpaymentswouldberestartedsinceIhadmissedafewpayments,whichIthinkisunfairbecauseIdidcontactthemtotrytopay.For4weeksfromtheendofXXXXtomidXXXXImissedpayments(XX/XX/XXXX,XXXX,XX/XX/XXXX,andXX/XX/XXXX).SinceXX/XX/XXXXIhavebeenmakingmypaymentsweeklyastheyaredraftedoutofmycheckingaccountasacheckeveryThursdaynowfor{$9.00}.MycreditreportcurrentlysaysthatIam120-149dayspastdue.IhavecalledMoneyLionaboutthistheytoldmeIwouldjusthavetodisputeit.Ihavedisputeditseveraltimesofdifferentplatformsandmyaccountcontinuestonotbeupdated.ThisisreallyhurtingmycreditscoXXXX.
Product: Debt collection

Within 30 days after receipt of a notice from XXXX, I sent a written request dated XX/XX/2016 ( XXXX ) to ask for validation of the debt and ( XXXX ) to notify them to contact me on this matter by mail only. XXXX tracking is showing receipt of my requests on XX/XX/2016. On XX/XX/2016, I received a missed call from XXXX ( XXXX ). When I returned the call and verified my address & the last XXXX digits of my SSN with the representative, XXXX, he confirmed that they did in fact call me. I asked the representative why they were calling me and XXXX told me that they were calling to discuss the debt that I owe with Capital One, their client. He proceeded to discuss the asserted amount owed. When I told XXXX that I sent a letter requesting no contact by phone, he denied receiving the letter. Yet I have proof through XXXX tracking that my letter was received on XX/XX/2016. I believe my rights were violated under the FDCPA because the debt collector, XXXX, contacted me after receipt my letter for a reason other than to confirm receipt of my letter or to tell me that they were taking legal action against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

i would just like to complain about how XXXX  the credit score system is that when you finish paying off a loan even without ever missing a payment your credit score drops instead of going up i finished paying off my installment loan from XXXX XXXX and my score dropped by XXXX points an 8 month loan reported on my credit report on experian today XX/XX/2022 2022
Product: Debt collection

I want to clarify that I fully intend to honor my debt obligations. This message is not a plea to avoid responsibility. 

Nevertheless, I believe it's important to mention the federal Fair Debt Collection Practices Act ( FDCPA ), which safeguards debtors from abusive tactics by debt collectors ( 15 U.S. Code 1692k ). I hope to invoke this protection to request that the current debt collector refrain from contacting me with threats and harassment while I am actively working toward resolving this issue. 

Despite my clear communication with the company regarding my commitment to repay the debt, they persistently contact me through various means, even resorting to messaging me from personal numbers at inappropriate times. Furthermore, they demand bank statements, which I can not provide due to the closure of my account. I am literally paying them any and all money as it comes in and I can not produce what I do not have. 

Moreover, amidst these challenges, I have just been XXXX from the hospital following treatment for a XXXX. Having no apparent risk factors, this health crisis was completely unforeseen. As such, my attorney is adamant about pursuing legal recourse to address the distress and damages incurred, especially considering the potential implication of the company 's involvement in precipitating the XXXX. I have not ruled this out, however, my paramount concern currently lies in recuperating from both the amazingly long and hard physical and financial blows dealt and I would like to resolve this out of court and as quickly as possible.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX  Amount : {$100.00} Action : Dispute filed with XXXX, XXXX and TransUnion. 

Initial Dispute Date : XX/XX/XXXX, XXXX XXXX ; XX/XX/XXXX, XXXX TransUnion ; XX/XX/XXXX, XXXX Dispute Resolution : XX/XX/year> : XXXX verified the discrepancy and inaccuracy ; deleted the account. 
XX/XX/year> : XXXX verified the account as being reported correctly. 
XX/XX/year> : TransUnion verified the account as being reported corretly. 

Action : Secondary Dispute filed with XXXX and TransUnion : XX/XX/XXXX, XXXX XXXX XXXX dispute filed. 
XX/XX/year> : XXXX Dispute Resolution : XXXX verified the account as being reported correctly. 
XX/XX/year> : XXXX ; dispute filed. 
XX/XX/year> : XXXX Dispute Resolution : XXXX verified the account as being reported correctly. 

XX/XX/year> : Dispute filed with TransUnion XX/XX/year> : Results unknown ; PAST 30 DAYS.
Product: Vehicle loan or lease

Trying to figure out different payment options fell behind on my car due to XXXX XXXX. Family tried to take care of it wouldnt let them been away for 3 months.
Product: Student loan

I have a {$54000.00} student loan with key bank that is serviced through XXXX XXXX. I have tried for several years to get a lower monthly payment until my wife and I get higher paying jobs. I am willing to pay every month and did as well as I could but I came to a point where I was unable to pay for a couple of months. They then gave my loan over to a third company that I would have to deal with on top of XXXX XXXX and Key. I have asked repeatedly for any kind of assistance with lowering my payment, deferment or anything that could help my situation. I can not afford the {$450.00} payment and they are completely unwilling to help. I can not consolidate the loans because they loans are too big. My only options are a lower payment or bankruptcy which is something I sincerely do not want to do. I want to pay my debts but I can not right now. If there is anything that Key would be willing to do to lower my payment I will listen. Please help me with my student loan so that I can pay it. Thank you XXXX
Product: Debt collection

On XX/XX/2019, looking on to my credit report using XXXX  XXXX XXXX, I noticed there was a charge from LJ ross associates for the amount of {$2400.00}. This was opened fraudulently, and placed on my credit XX/XX/2019. On XX/XX/XXXX i sent a letter to LJ ross indicating i never open an account with them or any company name XXXX. I also spoke with a representative from LJ ross, on XX/XX/2019 regarding these matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

I appreciate your efforts in addressing some inaccuracies in my file, yet there remain items that require removal. According to FCRA section 605, you are obligated to remove any items listed in an FTC report, specifically FTC REPORT # XXXX. These issues were previously detailed in that report and an earlier complaint, and I am highlighting them again with the new FTC report # XXXX. I have informed my attorney of my plans, and they are prepared to ensure accountability in the event of your deliberate non-compliance. It is important to note that you have 4 business days to remove any inaccurately reported items from my credit file. I do not authorize the use of E-OSCAR or any form of automated verification for this process : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I anticipate your prompt action on this matter and a response within 4 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is TransUnion. Thank you!