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

This XXXX loan was opened fraudulent, and they have no proof of who opened this account. I have asked for proof they cant validate this account and the credit bureaus ( Experian and XXXX ) won't delete it. the date that this account was opened i never applied for any loan ( XX/XX/21 ). XXXX has failed to proved me with any documents. upgrade also have an address reporting as my living address that don't belong to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Fraudulent address I've never lived there. please help me get this off my credit profile.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. On my report, a late payment in XX/XX/year> for XXXX XXXX XXXX XXXX XXXX XXXX was indeed paid on time. It's come to my notice that the missed payment on my record could hurt my ability to qualify for new credit. I trust that my previous actions do not reflect my creditworthiness and commitment to repaying my debts. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I'm now requesting you investigate this account and update these payments to be paid on time immediately. It would be a kind gesture if you could grant me a second chance and make goodwill in removing the late payment in XX/XX/year>. Thank you for your understanding and prompt action.
Product: Mortgage

New Res - Shellpoint Mortgage services continues to falsely reported delinquent payments to all 3 credit bureaus and move forward with foreclosure procedures. Company is incompetent at receiving loan payments and applying the payments to the account. I have 2 mortgages with the company and they correctly apply the payments to one of the mortgages but continually do not apply payments to the other and leave the funds in a suspended funds account. Calls to customer service today resulted in the customer service people hanging up on 2 different occasions today.
Product: Student loan

My student loans were transferred from Great Lakes to Nelnet this year. I had applied for the SAVE plan on XX/XX/2023. The federal student aid website states the application was reviewed on XX/XX/2023 by Nelnet and processed on XX/XX/2023. Through the SAVE plan, the monthly payment amount stated to me is {$72.00} on my application on the federal student aid website. My Nelnet account reflects a monthly payment of {$270.00} and does not reflect my repayment plan as the SAVE plan, but just a standard income driven payment plan. 

I tried to call Nelnet on XX/XX/2023 to clear this up and see why my account is not reflecting accurately. I sat on hold for XXXX hours and was never able to connect with someone. 

Their website constantly states they are experiencing larger than normal call volumes and long wait times. This company was not prepared to take on this volume of work and does not have the staff to do so. Considering my repayment date is right around the corner, I need to get this cleared up, like many other borrowers who are preparing. 

I've tried utilizing the Nelnet FAQ page to see if maybe the problem was listed but could not find any such resource.
Product: Credit reporting or other personal consumer reports

I did not authorize these hard inquiries on my credit report. They include personal loan, credit cards and auto loans.
Product: Debt collection

i keep receiving calls to my cellphone from a scam debt collector. 

They have called XXXX or XXXX times now. They imply they are debt collectors, but when asked who they are trying to collect for, the woman said we work for XXXX of clients, a nd started asking for my birth date. I told them I do not owe any outstanding debts and stop calling.I hung up. The calls sound like they come from a call center. The # used is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my Transunion report that I never made. I need these removed I have tried several times to have them removed. I didn't inquire with these companies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/11 someone used my information to try and obtain a credit card from XXXX XXXX. I reached out to XXXX and the only information that they provided was someone try to get the card but couldnt verify the information matching my credit report so they were unable to open the account. However, the hard inquiry is still on my report affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has wrongly put late paymnet on my account. i have conteacted XXXX in XX/XX/2021 but no issue resolved. I have contacted company new rez for this and they said its XXXX who has reported wrong. 

I am attaching letter from new rez company. I am strugling to get loan since becuase of wrong details on my account. 

can you please fix remove it from my account.
Product: Student loan

I had applied for Public Service Loan Forgiveness the end of last year. I got notified that my loans had been forgiven and less than a month later I got an email saying that there was a vendor error and my loans were not forgiven. I had started my payments in XX/XX/XXXX and continued XXXX when the pandemic hit. I had made extra money toward the principal. I always checked the box. 
When the new servicer took over none of my old records were on the new site. I was always checking the site to see if anything was different or changed. I checked and finally something that looked like records from the old servicer was there and I copied them. They are not in my new account. I went to my Credit Union and got my records for the last 7 years because I paid my loans online. I was not able to reconcile with my bank statements with the so called old loan servicer. For me this is a red flag. I can get a loan from my credit union and be able to pay this off. Many of my friends who asked about this said don't it just yet. My interest rate will be much lower then what I am paying now. I only borrowed {$36000.00} and after XXXX  years of payments and I still owe {$22000.00} for me this is a huge problem. The math for me doesn't work. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Payday loan and multiple attempts to cease monthly increase in payments after account has been closed and charged off. Santander continues to report account and charge additional fees. All three credit bureaus made aware of this. I also called Santander requesting my tax form for irs. Never emailed as stated by bank rep.incorrect payoff of loan documented not to mention the loan now engulfed to over XXXX with monthly charges since charge off which they have gotten a tax break for? 
Not to mention letters sent to all bureaus for removal due to inaccuracies due to additional monthly fees. All documents are available to show outstanding increases after charge off. 
Due to the false and fraudulent information Santander continues to report I would like this account removed swiftly from all 3 bureaus.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were XXXX  % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than XXXX days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts on my credit report, and I cant understand how this happened. I regularly check my credit report, and everything was fine until now. I even refreshed the browser, thinking it might be a glitch, but the errors didnt go away. I am pleading for a thorough review of the documents Ive sent so that I can finally stop living in fear of this happening again.
Product: Debt collection

XXXX, XXXX and demand for disclosures under TILA of all companies who are servicing my transaction and who actually received all my money. 

On XX/XX/XXXX I paid {$1100.00} for for home insurance policy XXXX from my own funds. 

According to response form Artificial Intelligence robo-signer [ robot ] " XXXX XXXX '' which pretend its XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX " on XX/XX/XXXX, we received your latest Insurance Declaration from XXXX XXXX for policy number XXXX, effective XX/XX/XXXX, to XX/XX/XXXX, with a premium due of {$1100.00}, which we paid on your behalf through your escrow account on XX/XX/XXXX ''. 

This is a lie. ALL payments for my home insurance policy are made by JP Morgan Chase and - according to provided to me by lawyer XXXX XXXX XXXX screenshot from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these money were received by JP Morgan Chase via its XXXX XXXX XXXX, XXXX I demand under XXXX XXXX XXXX XXXXXXXX 15 USC 1641 to provide me a copy of wire transfer receivet, cancelled check, XXXX evidencing payment for my home insurance policy on XX/XX/XXXX - or any other time I demand explanations why JP Morgan Chase pays for my home insurance - and receive all these money back via its XXXX XXXX XXXXXXXX, XXXX XXXX I demand to disclose the source of authority who authorized JP Morgan to make payments for my home insurance and the source of funds from which JP Morgan makes these payments to themselves acting under name of XXXX XXXX XXXX. 

I demand to disclose the name and direct contact information of an authorized employee who made this payment and who can verify it. 

I demand to provide me the name and direct contact information for the Creditor who owns the account receivable from which this escrow payment was made.

I demand a copy of the ledger of this account receivable evidencing that payment for my home insurance was made from my escrow money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is reporting inaccurate information. Experian and XXXX  are reporting a balance of $ XXXX.However, correspondence was sent to me from the debt collection agency XXXX XXXX, XXXX. that has a balance of {$2600.00}. Experian is reporting a Date Opened of XXXX and XXXX  is reporting a Date Opened of XXXX. Experian is reporting late payments for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. However, XXXX  is reporting late payments of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Experian and XXXX  are reporting a balance at the same time reporting that the balance is Paid and Closed. I've sent in dispute letters due to the number of violations being reported. They still refuse to delete the account. I was never sent any documentation prior to the repossession such as Notice of Default and Right to Cure, Notice to Sale Property or an itemized deficiency showing balance.I want this account deleted for FDCPA and FCRA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 XX/XX/2019, and XX/XX/XXXX, I sent a notice to XXXX, Transunion and XXXX letting them know that a creditor XXXX is reporting inaccurate information. I submitted payment transactions from my bank indicating payments to XXXX. 

However, XXXX, XXXX, and Transunion are still reporting this account inaccurately. This is a violation of the FCRA. 

I'm attaching my proof of payment transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXXair Credit act EXETER FINANCE Acct # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Consumer Adjustments company added a derogatory mark on my credit report identify by XXXX XXXX. 

Upon researching, this account was transferred/sold and Im no longer responsible for this account. 

CACI didnt verify this collection. I requested on XX/XX/XXXX that XXXX XXXX a representative of CACI provided me with documentation that Validates my debt. 

As of today she has only provided me with a bill! A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. 

According to the FCRA, CACI has violated my rights as a consumer and Im requesting legal action to remove this account immediately!
Product: Credit reporting or other personal consumer reports

Move to dispute all hard inquiries reported by XXXX XXXX, Equifax, and XXXX. Was told they were just collecting data and running credit report. And information will have no effect on credit report. They were doing soft pull of information.credit report. Incorrect reporting of XXXX XXXX filing pending status with notice of Motion of dismissed granted XX/XX/year>.
Product: Debt collection

I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15C USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 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

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on 3 Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPURTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate. I dispute any debt these companies claims to have on me. You must stop all collection activities. Do not call my telphone number. If you were ever giving permission to call this telephone number I am revoking that now. My demands are : For you to provide me the audit trail This is what I need included in the audit trail : * Account file * Ledger * All accounting documents * The transactional history
Product: Vehicle loan or lease

i had leased a XXXX XXXX XXXX on XX/XX/XXXX and made regular payments till losing my job/XXXX in XX/XX/XXXX as result of covid. when i called them they said no problem abt making payments in future. XX/XX/XXXX, without proper notice they repossessed the car and again with proper notice sold it on XX/XX/XXXX. now they are asking me to pay towing charges, diff between the sale price and amount due ( which i can't afford ) i need your assistance as i can't afford a regular attorney in this matter. 
i would appreciate if this would not effect my credit in a negative way .they took major advantage of me while leasing this vehicle back in XXXX. i complained to the General Manager the day after i picked up the vehicle but he kept ignoring my calls for days. after the assistant general manager finally called me back, he said he'd reviewed the deal and that i had gotten a great deal. i traded in my XXXX  worth atleast {$9000.00} as down payment and had been paying every month on time before i had to close my XXXX ( covid ) and couldn't afford the car payments.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXX, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3. EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS. AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.
Product: Payday loan, title loan, personal loan, or advance loan

I have had this loan since 2022 -- which started out {$1300.00} than -- I got and extra XXXX that make it {$1700.00} -- my payments start out {$150.00} per month and then it's went up to {$190.00} per month so a week ago I call the to ask what was my payoff -- she said it's XXXX and some dollars -- I ask her why since I had this loan beginning in 2022 -- she said every time I get extra cash the loan starts over and all those payments i make was interest -- i was not aware of that -- i been paying on this loan since 2022. This doesn't make since to me -- please help
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : Charge Off ( TransUnion ) XXXX XXXX - Account # : XXXX - Balance : {$4100.00} XXXX  - Account # : XXXX - Balance : {$0.00} Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.