23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This reason I am filing this complaint is to request an investigation into XXXX XXXX and XXXX XXXX XXXX mortgage companies reporting incorrect information into my credit file. My credit report should show first date of delinquency in the month of XX/XX/XXXX. Instead the mortgage companies are reporting the incorrect year of XX/XX/XXXX, to re-Aged the account " Running of Reporting Period ''. I have attach two of my mortgage billing statement that shows my account first date of delinquency is in the month of XX/XX/XXXX. I am requesting that XXXX XXXX and XXXX XXXX XXXX correct the fraudulent information they have report into my file ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 6 months i have tried to have a fraudulent account removed from my Equifax credit report. I have even provided them with my certified police report as well as the business card of the  officer  that took the report and the person in the records office that provided me the police report when i wen to pick it up ... .. that said they have failed to remove the account.
Product: Debt collection

I have notified this complany both in writing and on the phone that this debt was included in bankrupcy and that the debt is over 10 years old they refuse to take it off my credit report and keep readding it and keep trying to collect on this debt I am sick and tired of this I want it off or I am prepared to sue for defermation of character and for the damage it has done to my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX made XXXX unauthorized hard inquiries on my credit. 1 ) XX/XX/XXXX/ no amount listed only has XXXX XXXX XXXX XXXX. beside their name. ( XX/XX/XXXX same situation. They list no contact info and my attempts to contact someone willing to claim responsibility have failed. 

XXXX made XXXX hard inquiry on XX/XX/XXXX/ no amount listed only Mail order firms listed. They also list no contact info and my attempts have failed to find party responsible. 

XXXX XXXX made a hard inquiry on XX/XX/XXXX/ No amount listed only XXXX XXXX XXXX. listed. They also list no contact info/ my attempts have failed here as well. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Hard inquiry/ No amount listed/ no contact info. My attempts have failed. 

Below is an actual copy and paste from my XXXX XXXX account : Inquiry details XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX - XXXX XXXX XXXX XXXX. 
This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX Inquiry from XX/XX/XXXX - Mail Order Firms This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX - Personal Loans Cos. This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX XXXX Inquiry from XX/XX/XXXX - Personal Loans Cos. 
This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX - National Credit Card Cos. 
This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's lax data security led to vast amounts of my personal information being compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my TransUnion credit report on XX/XX/XXXX I discovered that someone had used my identity ( Social Security Number & Home Address ) to purchase an XXXX XXXX for $ {$740.00} from a XXXX store in XXXX Colorado. They had the phone purchase payment added to the bill which was never paid and eventually went to collections. 

I called XXXX on XX/XX/XXXX and they provided the following information : - Where purchased : Internet Order - XXXX Account Number : XXXX - Mobile Phone Number assigned to phone : XXXX - Email address provided by customer : XXXX - Date Phone purchased / Account opened : XX/XX/XXXX - Date account closed for no payment : XX/XX/XXXX - Current Balance in arrears : {$980.00} - Address where phone was shipped : XXXX XXXX XXXX XXXX, XXXX XXXX ( This address pulls up as a XXXX XXXX XXXX ) - Address provided when phone was reactivated : XXXX XXXX XXXX XXXX, MD XXXX ( This address pulls up as a XXXX Corporate Office ) I contacted XXXX on XX/XX/XXXX. They deactivated the phone and I reported the incident to the XXXX Fraud Department.
Product: Credit card or prepaid card

My account statement sent on XXXX said I did not owe any amount for the payment due date XXXX. My account is also setup to automatically debit any amount due on the XXXX of every month via American Express systems and Amex initiates the payment when due. No auto payment was taken out on XXXX. My next account statement on XXXX said my account was passed due since there was no payment. This is in contrast to the previous statement saying " no payment due ''. I was also charged interest and fees due to the account balance. I pay the total amount due each month to avoid interest charges. I want the interest and late fee charges removed. I talked to American Express for 3 hours on XXXX to resolve the matter but they were no help ( phone log attached ). They admitted the statement for XXXX said no payment was due on XXXX but claim a payment processing error led to an amount being due after they sent the XXXX statement. A notice of this amount due was never sent to me in any written form.
Product: Debt collection

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, CAP1/SAKS failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CAP1/SAKS Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CAP1/SAKS Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Product: Debt collection

loanPal now name GoodLeap, we had a agreement of solar panels, I've been trying to contract with them, they sold me a solar panel and they haven't finished the agreement and they charging me over {$51000.00}. they good leap are telling me to pay the amount I own but they haven't finish installing the solar panels I keep receiving everyday phone calls and letters from the collection agency asking me to pay, i did sign a contract with them and they went in bankruptcy and they didn't finish the installation of the solar panels and broke the agreement, I've been waiting since XX/XX/XXXX for them to install the solar panels but haven't received no notice of installation I call and call the company they ignore me, I called on XX/XX/XXXX, they told me that they will install correctly the panels its been over more then 8 months since I sign the contract and they haven't finished the installation and they want me to pay for a service that was not done correctly and they want me to pay for the solar panels that I've haven't use because the installer never finish his job .iam not in tittle of the account iam no longer liable for this good leap loan account, because they broke the contract and never finish installing the solar panels
Product: Mortgage

Loan Number XXXX was Paid in Full on XXXX/XXXX/2015Seterus has not returned Reconveyance / Escrow for $ XXXX have faxed them copies of their own records in order to eliminate any question ( s )
Product: Credit reporting or other personal consumer reports

I sold my property in XXXX  and it was paid in full from the funds of the sale. US Bank has not removed the debt from my credit report. Because of that it is showing up as a unsatisfied debt that was not satisfied on my credit.
Product: Debt collection

The collections company I.Q. Data International , Inc ( XXXX XXXX XXXX XXXX, XXXX, WA, XXXX ) has fradulently placed an account/debt on my name. Per the company, this debt is mine, which is a lease under someone with a similar name. 
The loan is for a lease, which was from XXXX. I have been monitoring my credit with XXXX XXXX for some time now and this account never came up on my reports until XX/XX/23. 
I do not know either of the individuals on this account. The woman on the account, has a similar name to mine, with the exception of the middle name. My middle name is XXXX. I firmly believe that the individuals XXXX XXXX XXXX and/or XXXX XXXX XXXX have falsely and fraudulently used my name and information for this account. 

I only became aware of this account and that this account was under my name and in collections on XX/XX/23 when I received an email alert from XXXX XXXX stating I had an account that required my attention. The night of XX/XX/23 I filed a dispute with XXXX for this account. On XX/XX/23 I was informed by XXXX that the dispute investigation concluded the account does belong to me, which is untrue. 
On XX/XX/23 I called XXXX Police Department to file an incident report for fraud. On XX/XX/23 I also spoke to officer XXXX XXXX who submitted an incident report, which is filed as incident report XXXX. On XX/XX/23 I called XXXX XXXX to request a copy of the report. 
In addition, when calling this collection agency, the first individual, XXXX, was very rude and refused to give me information for this loan. It took me calling XXXX other times for the files so suddenly appear and be given any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance to the Fair Credit Reporting Act 15 U.S.C 1681 Fair Debt Collection Practices Act 15 U.S.C 1692 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 states a consumer reporting agency can not furnish without my written consent 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. a debt collector may not communicate, in connection with the collection of any debt 15 U.S.C 1692 806 ( 5 ) Causing a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance : {$810.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXXXXXX XXXX Balance : {$650.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX ( Original Creditor : 11 XXXX ) XXXX Balance : {$160.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this. 

XXXX XXXX Balance : {$180.00} -This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this.
Product: Credit reporting or other personal consumer reports

XXXX Transunion and XXXX are reporting adverse information on my credit report despite me sending debt validation letters to the company and them not responding with information requested. 

on XX/XX/XXXX i requested in my letter sent certified mail I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following from you : 1. Validation of the account ( Actual Accounting ) 2. Verification of your claim against me ( a sworn affidavit or hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ; Uniform Commercial Codes, and the Federal Fair Credit Reporting Act.

3. A copy of the contract signed by both parties therefore binding both parties 4. Please also provide me with a true certified copy ( NOT photocopy ) of the original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this note has never been sold.

5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account.

I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud and or mischief. Your said failure to provide the documentation within ten ( 10 ) days, from the date above, to validate the debt, will constitute your agreement to the following terms : That the debt did not exist in the first place ; or It has already been paid in full ; AND That any damages suffered, you will be held culpable ; That any negative remarks made to a credit reference agency will be removed ; You will no longer pursue this matter any further. 
You agree to pay all fee schedules. 
Please note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, those calls could constitute harassment and I may take action under Section 1 of the Protection from Harassment Act XXXX. 

As such, my account was closed XXXX with no other updates since then.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2018 I contacted XXXX XXXX XXXX Services in regards to incorrect information being reported to my credit report. On XX/XX/2018 I opened an account with XXXX XXXX which XXXX is the finance company. I submitted my state issued drivers licence. I was instructed that the bill will be in the mail with the scheduled payment and due date. I waited for about 40 days before I contacted XXXX which I was instructed to contact XXXX. Upon contacting XXXX they informed me that the billing address was incorrect, XXXX XXXX XXXX XXXX when in fact the correct address is XXXX XXXX XXXX XXXX. They said that they will correct the error. I went ahead and paid off the account. XXXX even implemented two late fees which I paid. I reviewed my credit report I noticed that a 30 and 60 day late payment was reported which dropped my scores close to 100 pt. I tried to explain to supervisor XXXX ID XXXX that it was their mistake and that its on the face of the record. She stated that they report what true and correct. I explained that based on that statement Genesis is in violation of the FCRA because upon them reporting my address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX when the Drivers License provided is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX. I asked her to assist me in correcting their error that the late payments that they are reporting was a result of their error for mailing the billing statement to the wrong address. I refused and would not even offer to reimburse me for the late fees accessed to the account. At that point I informed her that I will be filing a compliant with the CFPB and terminated the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNKNOWN INQUIRE ON XXXX  AND XXXX XXXX DATE XX/XX/2018 NAME. 
XXXX
Product: Debt collection

I PULLED A COPY OF MY CREDIT REPORT AND LEARNED THAT RECEIVABLE MGMT GROUP HAD PLACED A COLLECTION ON MY CREDIT REPORT. I HAVE NEVER ENTERED INTO A CONTRACT WITH RECEIVABLE MGMT GROUP VERBALLY OR IN WRITING.
Product: Student loan

Thousands of students were scammed by XXXX into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As a matter of fact, XXXX XXXX XXXX was investigated by the federal government. 
Because of the numerous claims of fraud and misconduct perpetrated by these for profit schools, such as XXXX XXXX XXXX, I was able to file a Borrower Defense claim with the Dept. of Education against them, and my Fed. loans of $ XXXX were discharged and my credit repaired.

My Borrower Defense Claim was also part of the XXXX XXXX XXXXXXXX settlement for which I was a full class member. 
I am aware that XXXX was sued by 39 state AGs ( including my Illinois state Attorney General ) regarding their predatory loans to attend these for-profit schools and that XXXX XXXX were XXXX " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit schools. " After the AG settlement, didn't XXXX also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't XXXX have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't XXXX been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
The " pilot '' program by which XXXX is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools is a sham as only a SELECT FEW are approved. Why do we need to prove anything? XXXX knows who we are. Under the FTC " Holder Rule '' XXXX is liable for giving predatory loans in connection with for-profit schools. Time is running out for XXXX to do right by students who were scammed into taking out private loans to attend for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to XXXX 's CEO asking to discharge these loans NOW! It's time XXXX do the right thing and discharge all these predatory private loans made to attend for profit schools. 

My second application to this program was denied again, with no reason given- only that I " do not meet the requirements for discharge based on the misconduct of my school. '' There is no outlining of what those " requirements ' are, and regardless, my application should be approved solely based on the reasons I laid out above.