23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions. -Except as previded in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 purpose.
Product: Credit reporting or other personal consumer reports

My Account with XXXX XXXX was resolved and settled. They keep reporting a balance on my credit, and they have also agreed to remove it. I have gone back and forth, disputing, and nothing has been done. The account is showing a balance of {$1300.00}.
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 has violated my rights. 


I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And According to 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: Payday loan, title loan, personal loan, or advance loan

Covington Credit in XXXX XXXX I have a partial account number XXXX XXXX they charged off my account and provided me a XXXX to file has income. Covington Credit would not work with me when I told them I had lost my job and I was ill and working on XXXX. How can you charge my account off and there insurance paid them for the lost and tell me now I have to file the charge off as income. by giving me a XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX2022 representatives from XXXX XXXX XXXX came to my home and spoke to me and my wife to get us to sign up to get solar panels for our home. The representatives repeatedly told us this was not a loan and that we would just be making payments to the XXXX XXXX company until the solar panels were paid off like a rent to own type of deal, and they also assured us that due to a current promo in an effort to get more homeowners in Virginia to go solar that no payment would be due for 12 months after installation and that we would be apart of a rebate program. Now we are being notified that payment has become due. I contacted goodleap today on XX/XX/XXXX and spoke with representative XXXX XXXX, and my wife and I explained the situation on how the agreement and line of credit was created based on fraud, and XXXX told us she could not help that we need to contact XXXX XXXX XXXX but she also told us we do not have a contract with XXXX XXXX XXXX, I attempted to contact XXXX XXXX as XXXX directed me to and I was told by a representative by the name of XXXX that they only service the actual solar panels and have no part in the financial aspect of the panels, so now I am getting a run around and being taken advantage of as a consumer that I entered into this agreement uniformed based on the information that was originally provided to me, now understanding that I was swindled into this contract and this was done under a lack of an informed use of credit, meaning this account was created under fraud. I find that this agreement should be null and void.
Product: Debt or credit management

XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/XXXX Advantage Credit XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX, US Subject : Dispute of Unauthorized Hard Inquiry Dear CFPB [ Consumer Financial Protection Bureau ], I am writing to formally dispute a hard inquiry on my credit report that I believe is inaccurate. The inquiry in question was made on XX/XX/XXXX by Advantage Credit, and I have not authorized this inquiry. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is incorrect. According to Section 604 of the FCRA, a credit reporting agency may only report inquiries that are authorized by the consumer. Since this inquiry was not authorized by me, I request that it be investigated and removed from my credit report. 

Please find enclosed a copy of my credit report highlighting the disputed inquiry, along with any supporting documentation. I would appreciate your prompt attention to this matter and request that you inform me of the results of your investigation within 30 days, as required by the law or remove this off my Credit immediately. 

Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

In XXXX moved from XXXX fl due to divorce. I. systems listed it on my credit report when all bills to be paid by ex. I called them, XXXX had no record, IC had no validation and I disputed. They sold the debt so now instead of falling off on XXXX, they sold it again and date opened shows XXXX. I have called multiple times for proof of debt, charges etc and they have said they assumed debt and have nothing on file. They have shut me down at every turn. They are acting against Fair Debt Collection, purposefully fighting the wrong party and trying to harass me by dragging out date account opened ( XXXX only date I first noticed, now XXXX ). I want it removed. My credit is perfect except for them. Please help me. Im at wits end.
Product: Student loan

About 2 months ago I called Navient because my loans came due and I finally am in a place financially where I can start paying them back But, the crux is I can not give these people $ XXXX- {$800.00} dollars a month, I 'm sorry that 's more than my rent! So I started the process of consolidating all of my loans ( Even my private loans I made sure of that ) and getting a lower payment. My payments were n't supposed to start until next month, XX/XX/XXXX ... they lied to me about that, I got a bill for this month and paid it ( {$160.00}, I wo n't complain about that ). The problem is I have been getting calls at my home, my parents home, and my job from XXXX , XXXX XXXX XXXX, an attorney company that deals with defaults and collections. It seems someone had sent one of my private loans to them for collections. 

I called them back to set up a payment plan and they refused to listen to me or work with me. The bill is around {$1700.00}. And " they can give me a deal and I can pay it off today for {$1500.00}! '' Yeah no, I 'm sorry I do n't have that kind of money to give them, I am still in the process of rebuilding my life financially and that 's not a deal. After arguing with the boy on the phone for about 30 minutes i finally got him to concede that i was not going to pay that, So I set up a payment plan to pay them {$50.00} a month so they would stop harassing me and my family. 

Now, here is the kicker, I am being charged TWICE for the SAME LOAN! when I went online to check my statement I noticed that Navient was attempting to charge me the the full amount of the exact same private student loan of {$1700.00} ( Even though my consolidated amount due shows {$10.00} ) that the person at this company had argued with me about. This guy on the phone at the attorneys office had told me flat out that Navient had lied to me ( which they do consistently I am not surprised when they do, they do n't teach their techs anything ), and that it is impossible for my private loans to be consolidated, I am unable to do that, and it was sent for collections, this man basically called me an XXXX and said it was my fault I was in default even though I have done everything right. I get it, they deal with liars on the daily, but I am not one of them. 

So now I am paying this attorney and Navient for the same loan, and that 's not right! And this is not the first time! XXXX 2015 I had to track down the VP of Navient ( on XXXX ) and I lost it, they harassed me and my family while I was unemployed and in school to pay loans I could n't pay on and they knew all of this, they knew I had no income and that I was in school and they still tried to come after me.
Product: Credit reporting or other personal consumer reports

My credit report as of XX/XX/year> shows duplicate accounts from MOHELA/Dept of Ed showing my student loan balance twice. One account was last reported XX/XX/year> and the duplicate account was reported XX/XX/year>.
Product: Debt collection

I have sent 3 certified letters to this company requesting that they validate this account. I have never had this service & have knowledge of the at all. I requested a contract or some type of agreement between myself and the company be provided to me however, they have ignored an nagated every request. I spoke with XXXX XXXX id # XXXX and he told me to just file identity theft or fraud because that was the easiest route. All my attempts to resolve this matter with this company have failed. I want this account removed from all XXXX credit bureaus and their files if they can not provide me the necessary documentation, They only information they provide me was a last bill with a balance.
Product: Debt collection

Kia Motor Finance changed my account number without consulting me or giving me notice. I continued making my payments, but the payments were evidently going to my old account number instead of the new account number of which I had no knowledge. After they contacted me to collect a debt on XX/XX/XXXX, I explained I had made my payment. After some investigation they apologized and said they would fix THEIR error. I continued making my payments to the now correct account number, but I am getting several calls a week saying I have not made my payment and they are collecting a debt. This has now happened 3 times with each time the issue being resolved and notes taken. I am now receiving letters that I am multiple payments late. This is not the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX, XXXX  XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX BANK XXXX XXXX - ; XXXX XXXX XXXX Balance {$500.00} ; XXXX XXXX XXXX Balance {$9000.00} XXXX XXXX XXXX XXXX XXXX Balance {$1300.00} ; XXXX XXXX XXXX : XXXX XXXX, XXXX.
Product: Credit card

I opened this account earlier this year and credit was very high because I don't own anyone, and I like to pay my bills. But Capital one came destroyed my credit history I built. They are the one that only mail to my address credit card I am qualified for to apply. Last year I have to close my account with them and pay them off and they got upset and destroyed with bad report and I have to start over again and get my credit high to XXXX they started contacting me to apply now I did apply for credit card venture for XXXX I was approved but after getting the card I lost my wallet with credit cards and ID and my information were stolen and my pane was also hacked which I called XXXX I use their product to help me protect locked my phone. However, the credit card were used by people that hacked my account to purchase things online which I didn't authorize. I could not pay the bill because I didn't know that the credit card were hacked and used and I could not pay them on the first months and I didn't know that I was scheduled to pay them and I missed the payment and the Capital one get very upset without being patient to know why and they close my account immediately and threatening me not to touch or get access to the account. I am having XXXX, XXXX and XXXX. They don't have right to close my account without my consent. They were so aggressive and treated me as if I am nobody and very badly. when I wanted to make some payment, they blocked me not to make any payment and they went and put bad report to my credit. I told them not to send me the info of credit qualification to my address, but they did it again. 
The worst part is that I have numerous payments of XXXX dollars but Capital one didn't add it to less the amount I am owing them rather they continue to increase because they want me to pay it in bulk at same time for them to accept and recognize it but I would not be able to pay XXXX in bulk since I didn't pay in build they refused to pay the XXXX dollars I paid several times and increasing the bill now. They suppose calculate all these payments I made to the one I am owing them to lessen the amount I am owing. I don't why capital one is doing this to me. Their annoyance is that I didnt pay XXXX in bulk and I split it paying in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 


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

I recently started credit monitoring and noticed almost 30 inquiries on my report from XX/XX/XXXX up to current day. I have a paid off vehicle and also prepaid phone service. I have listed the inquiries and dates below. 

XXXX XXXX XXXX XXXX XXXX XXXX.- Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXXXXXX Inquiry from XX/XX/XXXX + National Credit Card Cos . 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXXXXXX/XXXX Inquiry from XX/XX/XXXX + Retail, Not Elsewhere Classified XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX XXXX from XX/XX/XXXX + Automobile Dealers, XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXXXXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos . 
XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + Television & Radio XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos . 
XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All BanksInquiry details XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX   Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXXXXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance
Product: Credit reporting

Case numbers : XXXX/XXXX/XXXXI need to know why my credit score dropped dramatically.
Product: Checking or savings account

Called the provided number, it directs me to email sent and email got a generic response then a day later the ticket was closed. I also did not sign up for this card or request it nor heard about this business till today.
Product: Mortgage

I have been behind my mortgage. I always pay prior to the 90th day past due. 
I paid my full payment to Ocwen financial on XXXX XXXX, 2016, XXXX XXXX, 2016, and XXXX XXXX, 2016. I sent these payments XXXX XXXX and have a receipt for the payments. 
I received a note in the mail from Ocwen stating that they had not received a payment from me since the XXXX XXXX, 2016 payment and that I am now over 120 days past due. They show that my other payments are in a " suspense '' account and did not apply them to the loan. When I spoke to them they said it had something to do with a loan modification ; however, I never agreed to, asked for, or signed anything regarding a loan modification. The lady I spoke with is part of an escalation department and could not answer my questions or apply the payments that they are holding in suspense. Should did verify that they had over XXXX dollars in this suspense fund. The normal monthly payment is XXXX dollars. I feel that they are trying to force me into foreclosure. I need help.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Transworld System Inc/ 94, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting

I requested Experian provide me verification of negative on my credit. Fair Credit Reporting Act requires them follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requested them verify the item I am disputing at a higher standard than a computer generated inquiry, XXXX or third party database search. They sent me the typical verification with the creditor information, but failed to give verifiable proof that this was mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is in violation of the following : 15 U.S. Code Section 1681b - permissible purposes 15 U.S. Code Section 1681c - information contained in consumer reports 12 CFR Section 1022.3 - Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these items on my credit report multiple times I have not heard anything from XXXX of the main credit bureaus XXXX XXXX and transunion I have not received any notification or any verifiable information for these accounts on my report this is truly hurting me because I am trying invest in my business and my credit report is hurting me
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance {$230.00} o XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$920.00} o XXXX XXXX Balance {$1600.00} o XXXX XXXX  XXXX Balance o XXXX XXXXXXXX Balance - o XXXX XXXXXXXX Balance {$1600.00}
Product: Credit reporting

I just received the Trans Union Report, I just do n't get why they continue to not do their job? 
I attached my TransUnion credit tracker1- it shows a Delinquent account- I can assure you there no accounts that I have anything past due, All I ask is which one? 

2- Under Open accounts, it shows XXXX , XXXX is a closed paid account long ago. 

I appreciate the availability of Credit reporting information available to the consumer these days, but it 's the disgust when you look at it time and time again and it 's not correct. Life is hard enoughMy personal employment information they find difficult to correct, I have been in the same same address for 11 years, with ownership changes that are common in my industryCurrent EmploymentXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AZ XXXX XXXX mortgage was taken over by XXXX XXXX was taken over by XXXX XXXX