23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

At the onset of applying for the Public Service Loan Forgiveness, I never received information about my loans and how the Public Service Loan Forgiveness applied to my situation. As I continued to submit my annual certification with the supporting documentation, I never received anything from them. I followed up with calls and they confirmed that they received it and would be applied to my loans. It wasn't until about three years into repayment with the PSLF, I was told that my indirect loans were eligible for the program and that I needed to consolidate the loans to a direct loan. I did that, but with that, I lost about 3 years of repayment.
Product: Debt collection

In short I've been fighting this debt for about 3 years now XXXX XXXX XXXX bought my old car loan from Santander USA after it was repossessed when the car was repossessed I only owed about two maybe three months of Miss payments which would have totaled at most a little over {$1200.00} I have contacted XXXX XXXX XXXX let them know this they acknowledged that they had paperwork saying Santander USA would continue my car loan if I paid a little over {$1100.00}, I communicated with them multiple times that that is all I owed once the car was repossessed they were not allowed to be charge for the entire loan they still keep trying to charge me and now I want to stop with me from buying a house and I would like this entire debt removed as they willingly continue to purchase the wrong amount of debt in order to gain the most money for them, if a car is repossessed and is still in good working condition able to be sold again from my investigating they are not allowed to charge the full price of the vehicle but they're still trying to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX obtained a copy of my consumer report under false pretenses I never gave them written consent to obtain my consumer report. On XXXX/XXXX/2021 they pulled my consumer reporting causing my score to drop tremendously. They used my identifying information without my consent to obtain a copy of my consumer report from Equifax. That is identity theft pursuant to 15 usc 1681 ( a ) ( q ) ( 3 ). The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Pursuant 15 USC 1681q, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. The XXXX XXXX obtained my consumer report under false pretenses and without written consent. This unauthorized inquiry damaged my consumer report and they are now Criminally and civilly liable. Pursuant 15 USC 1681n ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Credit reporting or other personal consumer reports

XXXX XXXX ssn XXXX dob XX/XX/XXXX contents of complaint : This Cfpb complaint has been filed to request pursuant to Fcra 605B 15usc 1681c-2 that you. XXXX and Experian and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of personal credit cards opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhese accts have resulted in several fraudulent chargeoffs and derogatory appearing on my consumer Fico credit report. I don't recognize the aforementioned accts.these accts were not opened, made, initiated by me.All of the aforementioned accts chargeoffs are result of identity theft and fraud. I have attached a copy of Ftc identity Theft criminal complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accts.chargeoffs are result of identity theft and fraud.
Product: Mortgage

This complaint is in reference to my mortgage service provider, XXXX, i.e. Lakeview Loan Servicing, LLC. 
I have tried seven times via phone and email to speak with someone about getting my mortgage insurance removed or to initiate the process of reappraising the property 's market value. I have tracking numbers and documentation of who I spoke with in all instances. This process has now taken over four months from initial contact and I still have not heard anything back from them. This process, which I am initiating, is costing me a lot of time and money. They are either inept or are fraudulently not complying with my requests to instate the process of removing the PMI. 
The Homeowners Protection Act of 1998 gives you the right to request the cancellation of the PMI premium that is added to your loan payments. This untimely response seems to violate my rights under the 'Non-High-Risk Residential Mortgage Transactions ' section of the act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making this complaint about the credit reporting agency Transunion. I had an account/auto loan that was on my report with XXXX XXXX XXXXhat didn't belong to me and was completely inaccurate. The account was successfully removed on XX/XX/2021 after multiple letters sent with proof of the account being unrelated to me. On XX/XX/2021 the account that was removed was reinserted on my Transunion report ILLEGALLY. As required by the FCRA, the CRA must send me written notice of the reinsertion within 5 days. The mark was removed and I have sent prior letters informing Transunion of this and I have not received any response or have had the item removed from my file. I am now making this a legal matter and am prepared to take this up with an attorney and sue for damages by Transunion. Please remove this immediately, as I will do what I need to in order to protect my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and al debt listed on accounts XXXX XXXX XXXX XXXXXXXX   XXXX XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed report with Barclays Bank in XX/XX/year> about fraudulent credit card in my name, it was confirmed as fraudulent and stated they would remove it from my credit history. I received the letter stating it is fraudulent and previously filed a complaint with cfpb and they also confirmed fraudulent. I have filed disputes with all three credit bureaus multiple times and they keep reporting it as accurate and not fraud, therefore my credit score is still extremely inaccurate. I then contacted Barclays again in XX/XX/year> and was informed that there was two letters on the account sent out with opposing information - one letter stated fraud and one letter stated as accurate. Therefore the credit bureaus are stating it as accurate as well. I contacted Barclays again and Barclays stated they fixed it, again, however the disputes are still coming back as accurate and not fraudulent and my credit is still suffering from it. Can the accurate and correct confirmation of fraudulent activity and report be sent to the credit bureaus to clear my credit history?
Product: Debt collection

I am constantly being harassed by Portfolio Recovery Associates , LLC. They call and yell on the phone being disrespectful and trying to collect money on debt junk accounts they purchased for pennies. We all are aware that Portfolio has been sued by the CFPB on several occasions and had to pay out. They are sued in XXXX and just recently in XXXX for {$24.00} XXXX. It's time for the CFPB to initiate another lawsuit for XXXX. This company doesn't get it. I am requesting Original account level documents, copy of every transaction, a copy of the original contract with a wet signature, purchase transaction between Portfolio and the original creditor, documents showing when the account was sold and how much Portfolio paid for the account and title of ownership. If this account is placed on my credit file there will be a lawsuit filed against Portfolio Recovery Associates , llc
Product: Credit card or prepaid card

After having difficulties with FirstHorizon bank buying my current credit card company, I opened a new account and transfered the balance. All of the balance wasn't transferred and FirstHorizon sent the statement to an address I haven't live in in almost 10 years, evidently when they migrated the data there was an issue, so I never knew there was still a balance or a payment due, now XXXX days late, credit score dropped XXXX points and still struggling to actually get a payment made. 

I WAS NEVER NOTIFIED THERE WAS A BALANCE OR PAYMENT DUE, AS I WOULD HAVE HAPPILY MADE THE PAYMENT
Product: Vehicle loan or lease

I returned my lease with American Honda Finance in XXXX. The payoff from the other car company came in late and as a result I was reported 30 days late no fault of mine. I disputed this and also contacted Honda and nothing was rectified.
Product: Credit card

American Express denied my, the consumer 's, application for credit on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My signature on the application makes it a negotiable instrument and makes me a silent investor in the corporation. Denying me access to my credit yet securitizing my instrument for the financial gain and benefit of the American Express Corporation and its subsidiaries is illegal and securities fraud. Since my applications were denied, I demanded the authoritative copies of my application be returned to me. I have yet to receive them. In accordance with 15 U.S. Code 1691c - Administrative enforcement ( a ) Enforcing agencies Subject to subtitle B of the Consumer Protection Financial Protection Act of 2010 [ 1 ] with [ 2 ] the requirements imposed under this subchapter shall be enforced under : ( 1 ) section 8 of the Federal Deposit Insurance Act [ 12 U.S.C. 1818 ], by the appropriate Federal banking agency, as defined in section 3 ( q ) of the Federal Deposit Insurance Act ( 12 U.S.C. 1813 ( q ) ), with respect to ( A ) national banks, Federal savings associations, and Federal branches and Federal agencies of foreign banks ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, and organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ] ; and ( C ) banks and State savings associations insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), and insured State branches of foreign banks; ( 7 ) The Securities Exchange Act of 1934 [ 15 U.S.C. 78a et seq. ], by the Securities and Exchange Commission with respect to brokers and dealers ; ( 9 ) Subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau, with respect to any person subject to this subchapter.

The terms used in paragraph ( 1 ) that are not defined in this subchapter or otherwise defined in section 3 ( s ) of the Federal Deposit Insurance Act ( 12 U.S.C. 1813 ( s ) ) shall have the meaning given to them in section 1 ( b ) of the International Banking Act of 1978 ( 12 U.S.C. 3101 ).

Per the Electronic Funds Transfer Act, 15 USC 1693, it is a given that my original applications can not be returned to me as they have been, and are currently being, securitized.
Product: Mortgage

I started this process XX/XX/XXXX, I called Flagstar because my refinance ran into issues with my Title. I received a Covid Partial Claim and it was Recorded XX/XX/XXXX, some time after that Flagstar reached back out that they couldnt find these documents and needed me to resign. At this time the terms changed a little ( one additional month included in Partial Claim ). The issue is BOTH were recorded with the county and showing on my Title. Today is XX/XX/XXXX and I am STILL dealing with Flagstar to get this resolved. From the beginning I was told they were escalating this and it should take 2 weeks, I would call back 2 weeks later and seemingly have to start the whole process over, with the guarantee it was Escaladed and should be done in X number of days. I finally reached out to HUD directly and got more accomplished in 2 days being a middle man between HUD and Flagstar, then the ENTIRE time I have been calling Flagstar. There were weeks I called 3 or 4 times for updates without any actual results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for inaccuracies on my credit report with Experian and received my dispute results and a bankruptcy is still reporting on my credit file and it inaccurate. I submitted a claim with BBB and they still sent another dispute result with inaccurate reporting stating the company reported that the information has certified to Experian that the information is accurate and they will not remove it. Per the law passed in XXXX it states the below. 

Not following the Law passed in XXXX XXXX CDIA and NCAP. I have tried to dispute the inaccuracy of my credit file and have not been successful. I have disputed with Experian several times in regards to a public record of a XXXX on my credit file with no verification and no satisfaction. Due to the new law ( CDIA ) that took place on XXXX XXXX, XXXX states New standards for how tax liens, civil judgments and bankruptcies are included in credit reports will go into effect XXXX XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide conumer reporting agencies ( CRAs ) XXXX, Experian and XXXX- to enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report : Beginning XXXX XXXX public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens must contain minimum identifying information and be collected at, or frequent intervals as follows : Minimum reporting of 1. Name 2. Address, and 3. Social Security Number and or date of birth. Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. They have not once updated any public records or provided any proof or verification this is mine. 

What they have reporting only has the XXXX court information and some identification number which I am not aware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 3rd time I have complained about this issue, I have filed my complaint in XX/XX/2020 I never received any response back or any of the requested legal documentation. Please be advised that I and filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX - balance paid, credit balance of {$8.00} XX/XX/XXXX - fraud {$230.00} XX/XX/XXXX - Contacted the bank and reported fraud. 
- Removed G from my account - Paid {$50.00} while investigating XX/XX/XXXX Called back after noticed score dropped XXXX points Finally investigation was opened ( on XX/XX/XXXX ) Case # XXXX $ XXXX Case # XXXX {$50.00} XX/XX/XXXX Followed up again and obtained : XXXX. ( XXXX ) XXXX Investigations Dept. 
XXXX. Found out on XX/XX/XXXX as fraud XXXX ID who reported fraud, XXXX XXXX dropped now XXXX points XX/XX/XXXX - Followed up again - account ending in XXXX. 
- Spoke with a rep named XXXX, asked for a XXXX. 
XXXX XXXX, operator ID : XXXX XX/XX/XXXX - spoke with XXXX from that team. In my favor and receiving a XXXX credit. 

XX/XX/XXXX - XXXX ( fraud investor dept ) - Case number XXXX ( review of the account due XXXX XXXX report - credit report isnt fixed ) review takes 30 days - Accepted in XXXX the fraud - letter sent to me- XXXX at customer care to resend the letter from XXXX XX/XX/XXXX - still see the late fee on my credit report - Called again, spoke to XXXX - Case number XXXX, to reverse the XXXX late fee due to fraud.
Product: Credit reporting or other personal consumer reports

ACCOUNT NOT MINE EXPERIAN DIDNT DELETE ALSO ADDRESS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The company served my mother on ( she is the secondary contact on the account ) XX/XX/XXXX. Then placed a judgement against us both in XX/XX/2019 without notice. The company lied to serve me on XX/XX/XXXX by stating they would not enter into payment arrangements without it. Also after contacting them they stated they would accept $ XXXX/mo for two years and now they are stating $ XXXX/mo till paid interest is paid off as well taking the total from {$13000.00} to {$16000.00}. They are also threatening to put a lean on my mothers property and garnish my wages.
Product: Credit reporting or other personal consumer reports

I just looked at my consumer credit report from Experian XXXX XXXX, 2024. I saw hard inquiries on my credit report that do not have permissible purpose. I have attached evidence. 
List of inquiries : XXXX XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX  XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX  XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX  XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX  XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX  XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 1. # OFFICE OF THE ATTY GEN # XXXX 2. # OFFICE OF THE ATTY GEN # XXXX 3. XXXX XXXX XXXX XXXX, Accounts # XXXX # XXXX # XXXX 4.XXXX  # XXXX 5.XXXX  XXXX  XXXX  # XXXX 6 . XXXX  # XXXX 7.XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX 8.XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX TransUnion 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit reports, I discovered several inquiries that I did not authorize. These inquiries are negatively impacting my credit score and do not reflect any applications for credit or services that I initiated. I have contacted XXXX, Experian, and XXXX multiple times to dispute these inquiries and have provided all necessary documentation to support my claims. Unfortunately, none of the credit bureaus have removed these unauthorized inquiries from my credit reports, leading to ongoing frustration and potential financial harm. 


XXXX : Unauthorized /Fraud Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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  : # XXXX, XXXX : # XXXX, has violated my rights. 


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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged on to the Experian website to view my credit report. The credit information is from XXXX 2020. No new information is included on the report. I could not figure out how to generate a new credit report on the Experian website to ensure my latest information is correct. I've tried contacting Experian by phone multiple times over multiple days and have not been able to speak to a live person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to report on error in my credit profile. I do not know the account in my profile, and I do not recognize it so could you please remove it as soon as possible because I am planning to use my credit profile soon for the life important purposes. For me its clear identity theft and I am a victim. I think somebody used my personal information or its error in reporting but I do not know this item. Please take appropriate actions and remove it once and forever and asap ... .thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed in the correct id documents and nothing got fixed, so I am attaching my social security card and driver 's license here for XXXX, Trans Union, and XXXX to remove all incorrect addresses off of my credit report. The only address that should be on my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Please remove all other addresses, or just keep the one on my driver 's license if you must, but remove all other addresses which are INCORRECT and I never lived at the other places. Thanks