23daVinci/CFPB_Complaints huggingface dataset:
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.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Hey I have a problem with Santander consumer usa, They came  and got my car on XX/XX/2017. I tried to make arrangements to get my car back but they wouldn't work with me. They took my car I had for 5yrs paying XXXX a month the car was paid for. They never let me know where to pick up my belongings in the car and I had my license plate on the car. They never sent me a letter telling me where I could come to the Auction to buy my car back. Santander still has on my credit report that im late every month for a car I dont have. They have different amounts that I owe XXXX for XXXX and XXXX for XXXX, XXXX for XXXX. If they sold my car how come the amount is still high? I gave them over 28,000 over 5yrs the car was pa I d for when they came and got it. I want Santander to remove this account from my credit report!!!! This account is lowering my credit score and I cant get another car and their reporting wrong information on my account. I want them to pay for my car that they too from me and pay for my license plate.
Product: Credit card or prepaid card

I took Discover card offer for {$45.00} credit for making a {$45.00} purchase at XXXXXXXX XXXX XXXXXXXX. I did it and made a purchase of {$45.00} XX/XX/21. I contacted them and they confirmed to me I did what required and I will get the credit in due course. I contact them again in XXXX, as I did not receive it. I was confirmed again I will get the credit early XXXX, I did not receive then told me by end of XXXX billing cycle, I contacted them Today XX/XX/21, Discard agent told me I am not qualified for the promotion and said to me they got a comment from XXXXXXXX XXXX XXXX that I am not qualified, because I was a existing customer but I am not. The fact is I spent the # XXXX to pay for the membership fee. Discovery card asked me to contact XXXX XXXX  and gave to me XXXX XXXX customer services numbers. I called XXXXXXXX XXXX customer services and they told me they have no knowledge of what is going on with Discovery card. 
THE BOTTOM LINE IS I TOOK THE PROMOTION FROM DISCOVER CARD NOT FROM XXXX XXXX XXXX AND DISCOVER CARD CONFIRMED AND RE-COMFIRMED TO ME I AM QUAILIFIED FOR THE PORMOTION. SO THEY NEED TO KEEP THEIR PROMISE OR THEY NEED TO CONTACT XXXX XXXX CARD TO GET IT RESOLVED NOT ME
Product: Credit reporting or other personal consumer reports

Someone tried to get a account with XXXX XXXX not me I've asked several times to make sure Information is before trying to approve & they still allowed .Now my score has drop XXXX points .I have no knowledge of this inquiry.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX View your credit report I AM A VICTIM OF ID THEFT NEVER GAVE PERMISSION TO ANY OF THESE CPMPANIES TO RUN MY CREDIT THIS WAS A THIEF TRYING TO GET CREDIT CARDS LOANS AND CAR LOAN
Product: Debt collection

This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that XXXX was sued by the CFPB? 
Below I have a few items that are inaccurate By law I am allowed to dispute anything that I feel is erroneous and not 100 % accurate. 
XXXX was sued for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that XXXX does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
Inaccurate or false information on consumer reports can threaten consumers ' this can easily be your company. 
Please investigate these accounts and I wish the outcome to be removed from my credit file and not placed back due to inaccurate reporting.
Product: Debt collection

I received a voicemail stating I needed to call back immediately. When I called back I spoke with a XXXX whom wanted all of my personal information before telling me what the call was in regards to. When I told him I did n't feel comfortable doing that, he became very hostile and disconnected the call. I called back and spoke with another representative, who was able to tell me they sent out information to a very old address but could n't tell me why they called because she did n't handle the file, XXXX did and so she transferred me back to him. XXXX then told me he was calling about a credit card I took out with HSBC back in XXXX which had a balance of {$4000.00}. I told him I never had a credit card from XXXX and he became hostile again. I told him I want something sent to me about this " debt '' so I can have an attorney look at it as it is n't mines. That made him even more upset and he proceeded to tell me they already sent me something in the mail. I told him the previous representative told me they sent something to an old address and he told him she was mistaken. I said it sounds like you do n't want to send proof of this debt and per FDCPA I am allowed to request proof of the debt. I told him the XXXX credit card I received was close to XXXX and he stated " well that 's not what your credit report says ''. He stated he was no longer going to argue with me and disconnected the call. I check my credit report very often and there 's nothing on my file in regards to what he 's claiming I owe. He was very hostile especially after I explained to him the laws I knew in regards to debt collection practices.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

Wells Fargo needs to remove the PMI from my loan immediately. I have tried since XXXX to get them to remove this wasteful expense from my loan but they have been completely unresponsive. 

My home is in a strong real estate market that has only moved upward since the pandemic. I have a near perfect credit score, have never missed a payment on any type of account for the entire during of my credit history, have remitted payment on the XXXX of each month via auto pay to Wells Fargo since the origination of my home loan. I continue to pay my revolving debt in full each month and have continued performing on all accounts in the same way during the pandemic as before it. In short, I represent less than the least risk of default to the lender and guarantor. 

Yet, despite multiple requests, Wells Fargo continues to drag its feet on conducting a BPO and providing me with its valuation of my property so that the PMI can be immediately removed. 

I have filed two complaints with the bank and provided documentation including XXXX delivery confirmation of the PMI order forms, but unfortunately, while those representatives were very polite, neither was empowered to work with the PMI removal department to take action on my account or expedite the BPO ordering despite months of Wells Fargo 's delay.
Product: Vehicle loan or lease

THIS IS MY LAST REQUEST FOR RESOLUTION. I WILL FILE SUIT FOR DAMAGING MY CREDIT UNDER THE FCRA. FIRST REQUEST MADE XX/XX/XXXX Company has not reported good status updates in over 30 days. They are required under the Fair Credit Reporting Act to report status once every 45 days. They have not reported since XX/XX/XXXX. 

Due to Gm Financials failure to report it looks like i have a bad payment history and it has cost me a total of 6 loans  since XX/XX/XXXX and countless other credit cards.
Product: Debt collection

I purchased an auto policy through XXXX XXXX. In order to get the policy I had to to pay a month up front or a balloon payment to start this policy. After a few months i started searching for a cheaper policy as it is my right to do. I paid my next payment to XXXX  and within two weeks of paying it, I found a cheaper policy so I called and cancelled with XXXX  personally. At the time there was no mention of money being owed as I also never asked for the month to be prorated either. Well at this point I was never contacted about a debt and on XX/XX/year> I received an alert from equifax stating that a collections agency had place an account on my report that they bought this debt from XXXX XXXX. I do not know this creditor nor do I have any business or contractual with this debt collector that is claiming I owe this debt. I filed my dispute with the reporting agency and I do understand that it can take to 45 days with my dispute with them, but there was no place to me to notify this agency of the issues with this account. Instead it has left a derogatory mark on my report for a debt that I simply do not owe. Im affraid do to past experiences that they will not properly investigate this dispute and will leave this issue behind as I continue to suffer do to not only a debt I should not owe but a collector I have never done business with nor do I have a contractional obligation to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received email stating update to Experian Credit Report through their paid subscription credit monitoring service. Upon looking at credit report, noticed 2 new  inquiries from XXXX and XXXX which were never on report before and were displaying negative activity. Contacted XXXX  XXXX  XXXX  whom verified only 1 account as current, paid on time. Not sure where other 2 accounts came from, not theirs, and did not report them and would start investigation which lowered my credit score from Good, past Fair, to Bad, XXXX - XXXX. Then tried to contact Experian Credit Bureau directly by phone and this is my complaint. There is no way to contact Experian by phone. A number is not offered. My complaint is there should be a way to contact Experian by phone and speak to someone concerning the credit information Experian reports about me. The other 2 credit Bureaus offer contact phone numbers yet are not showing my incorrect info. Go figure! I believe if Experian is going to selectively report inaccurate info that is 5-6 years old, out of nowhere, the injured person should have an opportunity to contact Experian by phone and speak to a live person to confirm circumstances surrounding the new inaccurate information. Experian deliberately does not provide this and may be the reason for this activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and 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 items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had a loan for a vehicle that was paid in full as of XX/XX/year>XXXX  that they marked as discharged thru bankruptcy. I had submitted a dispute thru experian to clear this up after the bankruptcy was discharged as i do have a right to correct reporting of my payments while in bankruptcy especially for accounts that were not even included in the bankrupcty. Their response was to add more late payments to a credit card that was discharged thru bankruptcy. As shown in my statement, on XX/XX/year>XXXX  my previous balance was XXXX, a payment was made of XXXX which paid XXXXXXXX XXXX  in interest and brought the new balance to XXXX XXXX Attatched is this statement proving nothing for this veichle was discharged except by normal payments and it was never included in a bankruptcy.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, VA, XXXX Employer - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NC, XXXX Employer - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXXXXXX XXXX XXXX XXXXXXXX [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Payday loan, title loan, personal loan, or advance loan

I got a {$1500.00} loan that I have paid on time for 20 months. My payments have come to a total of {$1300.00} and when XXXX the pay off they told me I still have a {$1000.00} balance. I was not made aware of the length of the loan or how high the interest was when getting the loan or that there would be penalties for paying it off early. I also noticed they raised my interest rate without telling me. I also was not made aware of how daily intrest works. It was very deceptive and I feel like I've been grossly taken advantage of.
Product: Credit reporting or other personal consumer reports

My account with KOHLS/CAPONE was never late! I have had exceptional payment history with KOHLS/CAPONE a

nd all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 


KOHLS/CAPONE Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Payday loan, title loan, personal loan, or advance loan

*** New Complaint*** Omni financial is attempting to belabor my concerns through misrepresentation of facts and lack of accountability.

Omni did in fact violate both the XXXX and XXXX at the time of loan issuance and subsequent refinance. Omni is well aware that policies in place at the time violated consumer rights and has continued to charge interest to the amount of XXXX on a loan that should be entirely void. 

Ive attempted to contact XXXX XXXX without success. No member of Omni has contacted me. 

Im attaching original response and except surrounding XXXX as Omni is incorrect in excusing violations. As civil penalties are dated for any violation taking place XXXX or later, Im now seeking damages for both financial and mental hardships.
Product: Vehicle loan or lease

The company took the vehicle discharge the account and still reporting to the credit bureau after seven years against the consumer laws of 15 U.S. Code 1601
Product: Credit reporting or other personal consumer reports

i filed an dispute with XXXX, XXXX, and XXXX about the negative items on my account such as student loans that was forgiving in XX/XX/XXXX by XXXX XXXX school forgiveness program its still showing as an negative remark on all XXXX reports. 

Dept of ED /nelnet  amount $ XXXX {$2100.00} statuas says pays account as agreed admore finance amount {$670.00} XXXX i dispute not my account XXXX XXXX amount : {$60.00} XXXX i did dispute this its not my account XXXX XXXX amount : {$470.00} XXXX i disputed not my account XXXX XXXX amount {$210.00} XXXX i paid this is full and it still shows up as an negative remark on credit reports this is mines, i disputed and still not resolved XXXX XXXX amount {$12000.00} open XX/XX/XXXX i disputed not my account and it shows paid in settlement but still on my report XXXX XXXX XXXX amount {$1200.00} open XXXX i dispute not mines my year of birth is wrong on my experian