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

Experian, XXXX  and XXXX  did not follow bankruptcy law, they allowed XXXX XXXX and XXXX XXXX to re-report lateness on my report after they were in my bankruptcy and discharged, also all information was removed and placed back on my credit. All three reporting companies also list duplicates of my student loans, I have 6 student loans all in good standing, they have 12, 6 of which showing late. Even though I have great payment history for two years they continue to lower my score, then solicit money for me to buy something to help my credit, how can they control our credit and make money from companies trying to sell us something. If my score does not change, after being turned down for a home loan, I will be filling a lawsuit.
Product: Credit reporting or other personal consumer reports

Hi CFPB : I received an email from XXXX XXXX today letting me know there was a hard pull on my credit report. I entered my XXXX XXXX account and found that XXXX ( Bank ) did a hard pull on my credit on XX/XX/XXXX. I did not apply for credit from XXXX XXXX and have not held a XXXX credit card since XXXX. My credit report states my XXXX account was closed on XX/XX/XXXX, with no outstanding balance due. I believe it is unlawful for XXXX XXXX to conduct a hard pull on my account and I would like for CFPB to advocate and recoup money on my behalf for XXXX 's violation of the law. Thank you for your attention to this matter. 

THANK YOU for your attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Vehicle loan or lease

Alliant Credit Union will not refund me GAP insurance refund when my car is paid off. 

XX/XX/XXXX : I purchased the vehicle and financed through the XXXX XXXX XXXX with GAP on the loan. Amount Financed : {$28000.00} XX/XX/XXXX : I refinanced the vehicle through Alliant Credit Union. The XXXX XXXX XXXX gave me the GAP refunds of unused premiums that I was entitled to receive, No problem. Amount Financed : {$27000.00} including the new GAP on Alliant Credit Union Auto Loan. 
XX/XX/XXXX : I refinanced the vehicle through XXXX XXXX XXXX but Alliant Credit Union refuses to give me pro-rated refund for the GAP. The payoff quote for {$25000.00} from Alliant Credit Union was not reduced by any refunds of unused premiums that I am entitled to receive. I called Alliant Credit Union multiple times to obtain the GAP pro-rated refund since I paid off my loan early/refinance but Alliant Credit Union still insists on stating that the GAP is non-refundable regardless of the fact that the loan is paid off early. Alliant Credit Union Loan Department doesn't reply to my emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached the letters below concerning this dispute. I am sending you this dispute as an internal dispute and an affidavit. I am only allowing XXXX hours for this investigation to take place and following a response on behalf of your companies. I am distressed. It has been 180 days and you have not responded with any verification of original contract documents. This will be the last and final item I will attempt to send out any letters to make you aware that we will be in court sooner than later. I have attached all the documents. I have recorded all the documents, phone calls, and certified letters Ive sent over to your companies on file so when we appear in court I will be more than estatic to show the judge.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments 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/2023 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.
Product: Credit reporting

My Trans-Union Credit Report was showing wrong credit information in my XXXX XXXX XXXX Credit Card. I disputed it and Trans-union has removed XXXX XXXX XXXX account from credit report. 
I raised a complain in CFPB OMB # XXXX. I get response from Trans-Union that my Financing Agency ( XXXX XXXX XXXX ) need to re-report the credit. 
I had meet XXXX XXXX XXXX multiple times. I have reported my Credit. All other Credit Bureau are reporting correct Credit expect Tans-Union. 
I am raising a new complain because in-spite of my previous complain OMB # XXXX, the problem was not fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to figure out how these address on my credit that are not mine. 
I live at XXXX XXXX XXXX, XXXX, OH XXXX this is my only address. please delete all others. my employer is XXXX XXXX. Please remove any other employers. 
my DOB is XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the inquiries on my credit report that i do not recognize nor did i authorized. It has been well over 30 days and i haven't received any investigation results.
Product: Student loan

I just received a letter showing my unsubsidized portion of the consolidated loan has 61 qualifying payments, which reflects the months of employment I certified. The statement only shows 55 qualifying payments for my subsidized portion though. MOHELA is required to service my consolidation loan as one singular loan, and that loan should have 61 qualifying payments. I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously counted my qualifying payments. 
I had loans in XXXX as well as loans in an in school deferment. I also consolidated my loans, as Federal Student Aid announced that if the loans were consolidated and employment was certified during the waiver ( prior to XX/XX/2022 ) I would be awarded the highest qualifying payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I get an alert from XXXX XXXX there a collection in my credit report from XXXX XXXX XXXX XXXX. I have NEVER been contacted by them nor know anything about this. I call XX/XX/20 XXXX And get XXXX which asked me was my social 3 different times 4 different last digits on a social I said NO. He said hold on came back and said idk dispute it with the credit agency its my job. Very unprofessional and weird. I asked for a manager and XXXX got on the phone said the same and that my name was similar but they had a couple numbers close to mine???? First, no debt validation, signed contract, proof of debt, what the debt is has ever been provided! This is beyond crazy. I explained I will contact CFPB and they said you could t do anything and hung up!!!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : 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.

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX  XXXX BANKRUPTCY Case Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number XXXX XXXX  Delete this account. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XXXX Please remove it from my credit report.

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS FCTUALDATA Date of inquiry XXXX XXXX  Please remove it from my credit report.
Product: Mortgage

We had our XXXX mortgage with XXXX for quite a while and while with them, we had our payment set up to be auto drafted out of our account on the XXXX of every month. The payment, I was told, was not considered late until the XXXX so we set it up on the XXXX. It was taken out this way for years. The mortgage was sold to Green Tree Servicing ( now XXXX ) back in XXXX of this year. I called them and asked if I could set the mortgage payment set up to be auto drafted on the XXXX as we had done with XXXX. They said that would be fine. I asked if the payment would be late, and they assured me that it would not be if it was paid by the XXXX. Almost every month since XXXX XXXX XXXX has had this account, someone from their organization calls me wanting to know when we will be making our mortgage payment. I have had to call almost every month to explain that we have our payment set up as an auto draft and why are they calling? They usually say they are sorry and that they will not be calling in the future. Starting yesterday I started getting calls once again from XXXX and quite frankly I am at the end of my rope. We have NEVER BEEN LATE WITH THESE PEOPLE yet they do not seem to get the message that we have this payment set up to be auto drafted out of our account, which it has been every month on the XXXX, and that I do not want to be called about a payment that is automatic. I have been told by people at Green Tree Servicing that they should not be calling me and that the calls would stop. Yet, they never do. I do not know what else to do about this and I am so frustrated that I can feel my XXXX XXXX going up whenever I see their number on our caller ID. When I do talk to them and ask them why they are calling when we have our payment set up to be taken out automatically, they usually say, " Excuse the call. '' But I do not want to do this every month of my life going forward.
Product: Debt collection

I received a voice mail from " investigator '' threatening me with sending sheriff to arrest and process me. He said he was sending sheriff to my job and/or home. I called number provided and agent said that they had called, sent emails and sent letters. I have not received them. I only received call today, XXXX XX/XX/2015. I live in XXXX and they said that there was n't anything I could do to stop XXXX from arresting me. I asked for date and place so that I could appear and face judge and he said no, I have to wait to be processed by XXXX 's office. They said they submitted paperwork in XXXX XXXX XXXX XXXX. They gave me docket # XXXX. Investigator called from XXXX and instructed me to call XXXX. I called a XXXX time and asked for address, they said XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Illinois.
Product: Debt collection

XXXX sent an outstanding phone bill to a third party collections agency. XXXX terminated my phone lease without my permission or authorization ; therefore, I do not owe anything to XXXX for breach of contract.
Product: Credit reporting or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act. XXXX XXXX has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card a open-end consumer credit plan as late for any purpose. 
Remove this account and update my report as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021, I disputed a collection items, XXXX XXXX Account number XXXX with thisTransUnion and XXXX as of today, I have not received any response from them. Also In the Dispute letter I included the proper documentation to have the investigation started and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue to remove these Unverified collection items because of the Fair Credit Reporting Act that states 30 days of no investigation response and the item should have been deleted or verified. thanks
Product: Debt collection

The debt amount that XXXX XXXX claimed to collect is false. I made several calls to confirm the amount with my health insurance company, XXXX, ( case refer # XXXX and # XXXX ), and confirmed that XXXX XXXX wrongfully claimed ( double claims submissions and overcharging in-network service ) the services they provided on XX/XX/XXXX. 
The staff at XXXX, XXXX, and myself had attempted to call and to leave the voice mails to XXXX XXXX accounting department multiple times. No one answered to the phone or called back. 
Currently, the amount {$450.00} ( including interest {$34.00} ) that XXXX XXXX claimed, through Transworld System Inc ( a debt collector ), offers no details of the services they provided, nor offers the exact date and time the services were provided.
Product: Credit reporting or other personal consumer reports

There were two unrecognized hard inquiries reported on my credit account. One from Kohls Capital One on XX/XX/year>. I called The Kohls department on XX/XX/year> and they were unable to identify any credit card inquiries or provide any information about a fraudulent attempt. The second was a fraudulent hard inquiry from XXXX XXXX. XXXX XXXX was contacted in XX/XX/XXXX and confirmed that a fraudulent attempt was made to open an account on XX/XX/year>. They identified that it was fraudulent and gave me a case number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upstart and XXXX XXXX have violated my rights. 

I XXXX XXXX XXXX, as the beneficiary of the XXXX XXXX XXXX que trust, sent UPSTART ( Trustee ) a contract that was considered accepted per the mailbox rule on XX/XX/2022. Along with the contract I sent a coupon to settle the debt. Following the remittance letter and contract, I also sent UPSTART, a notice of fault and opportunity to cure, followed by a notice of fault /Cease and Desist. UPSTART remained silent and acquiesced to the contract. 

Per Public Law 73-10, which states that all debt, public and private are paid for, this account should have been removed from my credit reports. 

Furthermore, I received a collection letter from XXXX XXXX, demanding that I send in a payment for a past due amount. I do not have a contract with XXXX XXXX. 

UPSTART and XXXX XXXX have violated my rights.

15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of anydebt_ 15 usc 1692b ( 2 ) not state that such consumer owes any debt ; 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 usc 1692b ( 4 ) not communicate by post card ; 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 that a consumer reporting agency can not furnish a account without my written instructions..
Product: Debt collection

Received notification of collection efforts. Collection showed up on my credit report. Lots of phone calls received. Spoke with the collection company ( Ad Astra ) who said I owed {$4100.00} and was over 180 days late with XXXX  XXXX. I never took out a loan with them. Plus the amount is huge - these types of loans are usually {$500.00} or less, arent they? Now trying to figure out how to get this false collection removed from credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. This is unacceptable! Please fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on the 143 million records were stolen from Equifax, I was told that my personal information may have been impacted by this incident.
Product: Vehicle loan or lease

I was a month ahead on my auto loan payments with US Bank, and I needed extra money this month, so I turned off autopay the week before the payment was due. Then they still withdrew the money 2 days late, which nearly overdrew my account, though they showed it as being timely in their system.
Product: Credit reporting or other personal consumer reports

After sending in the supporting documents several times, Equifax still has not removed adverse accounts from my credit report. I have spoken to representatives at Experian on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and today XX/XX/year> but to no avail. I'm being told that it's going to take more time. Pursuant to XXXX of the Fair Credit Reporting Act items should be removed by XXXX business days after receipt of XXXX  XXXX  claim and supporting documents. Experian is violating my rights as a victim and is in clear violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXLVNV FUNDING ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ... XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Mortgage

Have been trying to get mortgage payoff from NewRez for over a month. 
1. Tried the on-line pay off feature on website which gives an error code and indicates there is a system problem and to call. 
2. Tried to call 4 times. On hold for over an hour with no pick up. 
3. Tried the Chat Feature. They indicate that they can not help and I have to call. 
4. Tried sending E Mail request XX/XX/23. Received response E Mail 2 weeks later. " Dear XXXX XXXX, We received your recent inquiry and are still working diligently to provide you with a written response. However, its taking a bit more time than we thought it would. We apologize for the inconvenience and we thank you for your patience. 
Sincerely, Newrez Loan Servicing 5. Finally spoke to manager today who said they have system problems and can not give a payoff number for at least another week. So they are taking money from consumers my refusing to process a requested payoff. I am XXXX XXXX XXXX and on fixed income.
Product: Credit reporting or other personal consumer reports

Re : Discrepancy Dispute for Account # XXXX I am writing to formally dispute the accuracy of the information being reported on my credit file for Account # XXXX, listed under [ Creditor Name ]. I have identified several discrepancies between the information provided by [ XXXX ] and what is reflected in my records. 

Below are the discrepancies I request be investigated and corrected : Last Verified Date : XXXX : XX/XX/year> Experian : XX/XX/year> Date of Last Activity : XXXX : XX/XX/year> Experian : XX/XX/year> Closed Date : XXXX : XX/XX/year> Experian : XX/XX/year> Creditor Remarks : XXXX : No remarks listed Experian : " Transferred to another lender '' Dispute Status : XXXX indicates the account is not disputed. However, I have previously requested corrections for this account. 
These inconsistencies are not only misleading but may also negatively impact my credit report and score. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable information on my credit report. I request the following actions : Reinvestigation of the discrepancies outlined above.

Verification of the account details with the original creditor. 
Corrections made to my credit file as necessary. 
For your convenience, I have attached copies of my identification and supporting documents ( e.g., credit report excerpts highlighting discrepancies, any correspondence with the original creditor, etc. ). 

Please complete this investigation within the 30-day timeframe as required by law and provide me with a written statement detailing the outcome. If any changes are made to my credit file, I request a free updated copy of my credit report. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide updates regarding the status of my dispute.
Product: Vehicle loan or lease

Where do I start? This company is a scam and takes advantage of people with bad credit. In XX/XX/XXXX, my husband and I desperately needed a car and took out a loan from One Main Financial. The loan was for {$10000.00}. The car that we purchased was only about {$4500.00} so we the rest of the loan we took and put it towards the balance of the loan.

A couple of months later, I checked the balance and noticed that the balance wasn't really going anywhere. So I gave One Main Financial a call and the lady advised me not to worry that the balance went toward the car and that interest was accruing daily. She advised me to keep the interest down, I would need to make small frequent payments and that's actually what I did. 

Yesterday ( XX/XX/XXXX ), my husband and I called because we wanted to completely pay off the loan but realized the payoff amount was {$1000.00} more than the balance ( even though we have been paying on the interest for a year )! Mind you we have been paying on the interest and the principal balance was not moving. When we got on the phone with the lady, she was extremely rude and told me that since we made a big payment we may not be eligible to make payments on the principal balance. What?!!? And if I was eligible, we would have to come into the office to make a principal-only payment.

She kept trying to argue with me and I told her this was not properly explained to me nor was the amount of interest that we were paying. This company is taking advantage of people who need money right away. She continued to tell me, " well any loan that you have is going to have an interest. '' I told her I understand that but you are continuously adding on interest. 

This was not properly explained to me during the loan signing process and I believe they are making XXXX of dollars off of fraudulent finance charges.