23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Under the limited PSLF waiver that ends XX/XX/XXXX, periods of forbearance are supposed to count as payments. mohela is refusing to count these payments even though they were in hardship forbearance. Attached is a list of payments from their website they are saying don't count. It's now XX/XX/XXXX and this opportunity ends XX/XX/XXXX. I should qualify for forgiveness including these periods.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Did not authorize these companies to run my credit nor recognize the transaction.
Product: Credit reporting or other personal consumer reports

Good morning, I have many queries on my Experian credit report from requests with different banks that I do not know and I want to report it as if my identity is being stolen and I want my reports to be deleted. I call the companies and I do not receive any information that they delete the queries and this is affecting my credit report from the data we have.
Product: Checking or savings account

Dispute # XXXX - Filed a unauthorized transaction dispute with Credit Karma Chat Support on 10/02/2024 for " XXXX XXXX XXXX  '' for {$130.00}. I do not recognize this transaction nor the merchant, and it has been over a week with no updates yet. I filed the dispute as soon as I noticed the unauthorized transaction and did not hesitate to contact support immediately. The issue is that there has been no follow up since the date of the dispute, and the support period seems to be wildly inconsistent with a past dispute over XXXX months ago, which was solved within the same week. As more time passes on, I worry about the integrity of solving the issue within a reasonable time period for the customer.
Product: Credit reporting or other personal consumer reports

According to 15USC 1681 I, e, b a consumer is entitled to fair reporting. The accounts in question are not reporting accurately. The FCRA rules ensure accuracy and these accounts violate the law. Fines per violation are more than {$1000.00} per violation and there are over 100. Legally these accounts must be removed.
Product: Debt collection

I have funds automatically withdrawn from another bank account to cover a monthly payment I have with the bank I am submitting the complaint against. Somehow my account became {$50.00} in arrears so I transferred funds from another bank to cover this debit. The long and short of this is that the bank charged me {$65.00} in over draft fees because of this {$50.00} debit that apparently existed for 6 days. I feel this is not only excessive but punitive and violates banking law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with CITIZENS BANK NA ( Account # XXXX ). I have always made my payments on time. For some reason, I realized that there were multiple late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of late payment since it's already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate this illogical status. Otherwise, delete this account ASAP.c
Product: Vehicle loan or lease

I had a lease with GM Financial for a XXXX XXXX that started XX/XX/XXXX. My GM Financial Account number is XXXX. The lease was scheduled to end XX/XX/XXXX. I leased a new car with XXXX and they accepted to turn my XXXX lease back in for me. That was completed on XX/XX/XXXX, more than a month before the end of my lease. Unfortunately for some reason GM didn't report the car returned until XX/XX/XXXX so they added a month payment to the end of my lease. 

I contacted GM Financial and after a number of months of back and forth discussion after providing the lease return receipt from XXXX they agreed to remove the added payment and I made a settlement program for the amount owed ( wear and tear, lease return, fee, etc. ). This program was instituted on XX/XX/XXXX and I have made payments every month since then. 

The gmfinancial.com portal showed the revised amount due with the removal of the extra month payment so I thought all was well. I got a letter from GM Financial on XX/XX/XXXX with an update on the amount owed. It didn't correlate to what is shown on the GM Financial portal so I called customer service today XXXX XXXX, XXXX to inquire about the difference and they are now saying they never removed the extra month payment and that I still owe the amount. After 30 minutes of explaining the whole situation over again they said they'd escalate the issue and to call back in 48-72 hours.

I have no confidence that GM has any intention of removing the payment for a car I no longer had and returned a month before the end of the lease! They added a payment thinking I still had the car but even after giving proof that I returned it before the end of the lease they are refusing the remove the extra payment. 

Please help me resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Portfolio Recovery Associates, I have requested you to provide competent evidence of my alleged ownership of disputed false account XXXX but you failed to provide any competent evidence of the alleged debt. Please investigate the alleged transactions on the alleged statements and other facts and delete as I have no knowledge of this false account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax on XXXX XXXX XXXX. I requested that the debt be validated and ownership of the debt be proved. I have a right to seek these 2 things under the Fair credit reporting act. Equifax ruled in favor of XXXX XXXX. Equifax or XXXX XXXX have yet to provide proof of this debt ( debt validation ) or ownership of this debt by XXXX XXXX XXXX. I filed a fraud complaint against XXXX XXXX XXXX with the SC Attorney Generals office. I submitted in my complaint the information that XXXX XXXX XXXX and Equifax have used to claim this is a valid debt. The SC attorney Genrals office agreed with me that the information supplied by Equifax and XXXX XXXX XXXX does not meet the legal requirement of debt validation nor has XXXX XXXX XXXX provided legal proof of ownership of this debt. XXXX XXXX XXXX is currently under investigation by the SC Attorney Generals Office for fraud. Here is the investigation # XXXX. XXXX XXXX XXXX has numerous complaints for making up fraudulent debts and submitting them to Equifax to scam people into paying these fake debts. I want Equifax to provide me with legal proof that this debt exist. The SC Attorney Generals office has went on record and said the documents so far that Equifax and XXXX have provided me do not meet the legal requirement for debt validation or debt ownership. I want to see the information Equifax used to rule in favor of XXXX XXXX in my dispute. Equifax is knowingly allowing XXXX XXXX XXXX to commit fraudulent acts. The CFPB is allowing Equifax and XXXX XXXX XXXX to continue to commit these fradulent acts, The attached document that Equifax supplied that they claim validates this debt and ownership of this debt by XXXX XXXX XXXX does not even meeet the standard of teh CFPB for debt validation and ownership yet the CFPB refuses to take action against Equifax and XXXX XXXX XXXX
Product: Student loan

To whom this may concern : I'm working towards public service loan forgiveness, and am having great difficulty getting an accurate count of the number of months that have counted towards my forgiveness. Per my banking records, XXXX XXXX has undercounted the number of months I've repaid by about 10. I've sent these records in twice via their website ( once in XX/XX/2017, and another about 2 months ago ), which show all of my payments. I have yet to hear back either time, but do get a total count of applied months whenever I submit my work certification form. I've been asking them to either change the number of payments that count toward my goal of 120 payments, or simply delineate which months they are not counting and why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that Equifax did not make sure it was reporting 100 % correct. 

The Fair Credit Reporting Act states that everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

I sent a letter to Equifax in XX/XX/2022 requesting them to remove this inaccurate information. They replied that these accounts were investigated and came back as verified, without stating who conducted the investigation, their process or how they were able to find that these accounts were valid when there's obvious inaccuracies showing on my report. 

As a consumer, I now request to know all the steps Equifax took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. 

I also would like to be sent a copy of the following documentation that would need to be had to prove that these accounts are valid : The original contracts that were provided to verify debt. 
Payoff and Interest Disclosures Balance and Payment History for all debt Credit Insurance Who verified these accounts? ( Provide the department and Supervisor contact information ) How were these items verified? 
The original contracts that were provided to verify debt. 
Payoff and Interest Disclosures Balance and Payment History for all debt Credit Insurance
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX.THESE INQUIRIES ARE on my report and I did not inquire any of them
Product: Credit reporting, credit repair services, 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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete these items ASAP.
Product: Debt collection

I disputed several times this account. Requesting for verification of the account that is leaving my credit profile in a negative manner. My request is to please delete this information with unproven evidence.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to address an item on my credit report that is listed as " Charged Off, '' which I believe to be inaccurate. I am requesting the correction of this information pursuant to the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681i, which outlines my rights as a consumer in regard to inaccurate information on my credit report.

Under this law, I have the right to dispute any information on my report that is inaccurate, incomplete, or unverifiable. I request a thorough review of the information related to the " Charged Off '' item on my report, and that it be corrected if found to be inaccurate or invalid.

I kindly ask that you provide me with a response regarding the actions you will take to resolve this discrepancy within the time frame required by law, which is 30 days from the receipt of this letter. Should any further information be needed for verification purposes, I am happy to provide it.

I look forward to a timely resolution of this matter and for my credit report to reflect accurate information.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : 15 U.S.C. 1681i - Correction of Inaccurate Information 15 U.S.C. 1681i - Correction of Inaccurate Information : ( a ) Right to Correction or Deletion of Inaccurate Information If a consumer notifies a credit reporting agency that information contained in their credit file is inaccurate or incomplete, the agency must investigate, generally within 30 days, and correct or delete any inaccurate information. If the agency can not verify the accuracy of the information, it must delete it.

( b ) Investigation Procedures The agency must investigate the disputed information and provide a response to the consumer, as well as transmit the results to any institutions that reported the information.

( c ) Correction of Records If the information is found to be inaccurate, the agency must remove it from its file or correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

I previuosly requested a late payment be removed from my credit report that occurred during covid. On XXXX XXXX, I received an email from XXXX XXXX who did not identify herself in the email and stated that they were not removing the late payment. After receiving the email, I checked my credit report and notice 2 accounts with KIK OFF lending. I found that both accounts reported late payments in XXXX and XXXXXXXX XXXX XXXX. This is where I get confused because I don't recall having two different accounts with KIK OFF. My main complaint here is the second account that is opened and the two late payments that occurred during Covid 19 which is a natural disaster and late payments from my understanding were not to be reported during this time. I am requesting that KIK OFF lending provide proof of late payments and ownership of both accounts. These two late payments have been damaging to my credit and character as a consumer.
Product: Payday loan, title loan, personal loan, or advance loan

I had a presentation from XXXX XXXX XXXX, on or about XX/XX/XXXX to explore having Solar energy panels installed, completed a credit application, and was approved on XX/XX/XXXX by Solar Mosiac LLC. All " seemed '' to be above board and compliant, so I signed the necessary paperwork on line through XXXX. 
Through my own stupidity, I neglected to research XXXX XXXX XXXX, and when I did check the " reviews '', which were OVER 300+, there was only 5 POSITIVE. 
I started by attempting to contact the rep, by text message, who sold me the package, to no avail. I then emailed a request to XXXX XXXX XXXX  itself, explaining my request for cancellation, and WHY I was taking such action ... ... ... NO RESPONSE I then sent, and received, several emails from Solar Mosiac LLC, explaining my intent NOT to proceed with any installation. They were at first understanding, BUT continued telling me that XXXX XXXX had to cancel the project. I explained that XXXX has not responded to any of my emails, or phone calls, and asked them how I could get this resolved. Mosiac responded telling me that there was nothing they could do because they had already drafted ( paid ) XXXX for the entire amount. When I asked them for a copy of the check/draft, they said that they could not provide it, and that XXXX XXXX XXXX would have to cancel the loan. 
Having my credit checked by XXXX, and XXXX XXXX from XXXX XXXX, I now see where they have entered the transaction as an open loan in the amount of {$27000.00} NOTHING has been done by XXXX XXXX XXXX, as outlined in their " what happens next '' notification. 
Please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted proof of unverified late payments to all three credit bureaus showing how late payments had not been verified because they were showing differmtly for all three bureaus. They have all closed my disputes without removing the unverifed information. They updated the missed payments to make them match what I sent them, however, that is not what I requested. Since they did not properly verify after several attempts to get this corrected, I sent in my highlighted copies showing the differenes in the bureaus reporting.After having to go back and forth several times I requested that they be removed, they had time to correct thema nd did not, kept saying it was correct. I want these late payments removed ASAP. Experian and XXXX are also illegally reporting XXXX XXXX XXXX as " XXXX  '' every month since XX/XX/2019. XXXX and XXXX are showing me once deliquent on XXXX acct, this account was NEVER late. I am attaching proof of the inaccuriaces and proof of how the 3 bureaus ( XXXX, XXXX and Experian ) are reportng unverified and misreporting information on my credit report, after several letters requesting information be investigated. They closed all my disputes and the mis information remains.
Product: Debt collection

This supposed debt comes from a XXXX cell phone account I had from about XXXX yrs ago. I changed cell phone service to another carrier due to bad coverage ( I couldn't even get adequate signal in my own home ). Therefore, I completed the contract and canceled service. About 7 years ago I received an odd collection notice from XXXX saying I owed about {$1500.00} and I called XXXX and questioned the charges. The representative all those years ago said they would make the correction. Now, recently, while applying for a loan in XXXX XXXX I was told by the loan company that I had a negative mark on my credit report related to a company called IC Collections. When I went online to check my credit report, I found the notice of collection from XXXX and XXXX, but it is NOT included on my XXXX report. I called XXXX in XXXX XXXX and reqeusted information but was told they did not have any information to give. 
And, since XXXX, when I canceled my XXXX service, I have NEVER had a loan company ( mortgages, car loans, consolidation loans ) say to me that I had an outstanding collection notice. This is clearly in error, and I would like to know and request documentation on what these charges are based on, what dates are related to the charges, and when it was sent to the collection agency.
Product: Mortgage

Since XX/XX/2022, I have received at least 48 phone calls from Rocket Mortgage ( XXXX # XXXX ). I regularly receive four phone calls per day. I believe this violates the below telemarketing regulation. 

Title 16, Chapter I, Subchapter C, Part 310, 310.4 Section B, Pattern of Calls, subsection ( 1 ) ( i ) : Causing any telephone to ring, or engaging any person in telephone conversation, repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number ; Additionally, Rocket Mortgage 's behavior is highly concerning. I picked up one call, and the agent stated " Hello, our records indicate you are looking to refinance your mortgage ''. I haven't submitted anything anywhere that supports that statement. I explained I wasn't interested and asked them not to call me again. They continue to call, and now are also texting me. This also violates Title 16, Chapter I, Subchapter C, Part 310, 310.4 Section B, Pattern of Calls, but subpart ( 1 ) ( ii ). 

The last text asked me to get in touch with them asap to " finish '' my refinance. What refinance? What are they talking about? If I were a person with memory problems or other medical cognitive disorders, I could be confused by these abusive practices into actually entering into a mortgage contract I did not initiate.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2018 Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My driving record had mistakes on it. Making it difficult for me to obtain auto insurance at a decent rate
Product: Debt collection

i the consumer sent XXXX XXXX XXXX a debt validation letter certified mail pursuant to 15 usc 1692g they received XXXX They sent correspondence they were gon na cease communication and collection activities and they have yet to do so. in regards to inaccurate accounts with XXXX XXXX  XXXX  i have no business with this company and have no idea how they even have any of my personal jnformations. This account is listed as an account buyer which is illegal. So my information was clearly stolen and retrieved somehow by this company. This company continues to violate my rights per 15 usc 1681s-2 by continuously smearing my reputation and reporting information that i have informed them was incorrect and inaccurate and false. This company this company continuously violates 15 usc 1692f reporting this false inaccurate information to my credit report ( postcard ). If this cant be rectified in a timely fashion I will left will no choice but to send an AFFIDAVIT OF TRUTH along with all my exhibits to this company to start the court process.