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

I could not select the proper option from the list, so I apologize for that. There was not a category that addressed this issue. 

I have struggled over the years to get inaccurate information removed, but that is a conversation for another day. My main issue right now is that a few weeks ago I paid off my home mortgage with a lump sum payment. 
As a result of this lump sum payment, my credit score decreased significantly. I believe the scoring systems to be completely fraudulent for punishing a person for paying off a loan early. This is counterintuitive. Paying off an item early should should responsibility, discipline, and high creditworthiness. Punishing for paying off early due to the " longest credit line '' scoring factor is abuse of power. 

In addition, if someone pays off credit cards every month and does not maintain a balance, this should not have a negative impact on their credit score. Currently, It does. People are given higher scores if they keep a small balance on their credit card and just make minimum payments. This is another counterintuitive scoring technique. Isn't the person who pays off their balances every month more credit worthy than those who do not? Leaving a balance and just paying the minimum payment costs the public a tremendous amount of money every year as they are trying to get better credit scores. 

I believe these two items, along with many others is unjust and preys on individuals by lowering scores and making it difficult to obtain credit at good rates when they should be considered highly credit worthy.
Product: Student loan

I refinanced my loan in XXXX and my interest rate and payment was reduced to {$45.00} per month with payments automatically deducted from my checking account. I received notice that Navient was now servicing my loans and that I needed to setup an account online. In XXXX, my payment frequency changed from monthly to every other month with a payment of {$100.00}. In XXXX, my payment frequency changed to monthly with a payment of $ XXXX/month. I was declared XXXX in XXXX and began a claim for Social Security XXXX. I have not had an income in two years and I 'm completely dependent on my spouse and my mother makes my loan payments. I called Navient to inquire about assistance with my loan with regard to my lack of income and I was told my only option was forebarence. I was uncomfortable with that option so I have been struggling with my payments.
Product: Vehicle loan or lease

I bought a car from XXXX 5 years ago used that said it was accident free. That was a lie. Nobody helped! I was always on time with payments then Covid hit so I had kept up with my arrangements because my business was closed down. I have literally been paying them weekly. There was no notice of repo. They reported to the credit bureau that I voluntarily surrendered the car which I due not then they took it made me pay XXXX to get it back then charged it off at XXXX which is not what I owe. They are adding all these late fees and other unknown fees to rob people. How can you charge off a vehicle at a price they dont owe and threaten them if they are a day late theyre coming to get it again. I still have the loan and the car. But my report states they charged it off. Now I can not get the medical care I need to possibly save my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account furnished by XXXX XXXX is reporting inaccurately and inconsistently across the three major bureaus. I have disputed this account numerous times and have yet to receive documentation that proves my consent to enter into a contract with this company. This account was not authorized by me.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment and frustration regarding the ongoing presence of fraudulent items on my account. 

Since then, we have engaged in a protracted process to investigate and rectify these fraudulent items. Regrettably, despite our sustained efforts, the fraudulent entries persist, which is wholly unacceptable. 

The persistent presence of fraudulent activity not only imposes significant stress and inconvenience upon me but also erodes my confidence in the efficacy and reliability of your institution 's security protocols and remedial procedures. As a loyal customer, I entrust your institution with the responsibility of safeguarding my financial interests and ensuring the integrity of my accounts. The continued recurrence of fraudulent incidents undermines this trust and raises serious concerns about your institution 's competence in addressing such matters. 

I implore you to take immediate and decisive action to comprehensively address this issue. This should encompass a thorough investigation into the underlying causes of the recurrent failure to eliminate the fraudulent items, coupled with the implementation of robust measures to prevent their reoccurrence in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I processed a separate complaint on XX/XX/XXXX and have not received the response i 've been looking for. This southwest credit sys company is obviously in a separate world and feels like the rules do n't apply. The government should shut companies like this down. I 've uploaded some documents relating to this. Thankyou
Product: Mortgage

I was not present at my closing and upon getting documents from the first lender, first centennial, the lender let it slip that my brother, who signed as my attorney in fact was actually under the guardianship of my mother. This makes the sale null and void per Illinois law. I have not been making payment on the loan until XXXX, the second lender who took over my loan answers for this. In the meantime, my loan is at risk into going in to foreclosure which I am trying to avoid. They did not do the proper due diligence during the sale of this loan. I saw bsi has already been in hot water for things like this and both XXXX  and first Centennial should be held accountable for their negligence. I was taken advantage of because I was not present at my closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bonneville Collections is reporting a debt on my credit file that I do not owe. I took a look at my credit recently and noticed this debt, I immediatley called and settled this debt with them. Once I had settled it I had requested this debt be removed and I was told to put in a written request which I did but I never heard back. I am aware that Bonneville can report to the bureaus as they deem necessary and I ask they remove this debt. This has been settled and paid and now ask they remove this. If not removed, I will have no alternative than to exercise whatever rights and remedies I have under the law to enforce the removal of this debt, not limited to legal proceeding against Bonneville.
Product: Consumer Loan

I have called finance manager at XXXX Nissan for the last three days to cancel my Gap insurance. I left multiple voicemails directly. I also left messages with receptionist but no call has been made to me yet about cancellation. On tuesday, I left a voicemail for general manager ( XXXX ) and he also has not responded to my complaint. 

Bottom line is that I want to cancel by GAP insurance. I do not understand why it is becoming so difficult and I have to follow up multiple times.
Product: Debt collection

This debt had previously been removed by another company. I received a notice from elevate stating I owed a debt for a bill that was previously disputed and removed with another company. Letter stated I had 30 days to dispute the transaction. I sent elevate the following by certified mail in USPS. 


" XXXX XXXX XXXX, FL XX/XX/XXXX Elevate Recoveries , LLC XXXX XXXX XXXX Re : XXXX Dear Elevate Recoveries LLC, I am responding to your contact about collecting a debt. You contacted me by mail, on XX/XX/XXXX and identified a debt. 
I do not have any responsibility for the debt youre trying to collect and has previously been reported to Consumer Financial Protection Bureau. 

If you have good reason to believe that I am responsible for this debt, send me debt verification via mail with the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you have reported it to a credit bureau report that the debt is disputed. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX " Elevate failed to provide information to verify this date and did not respond but instead reported negative collection agency. I disputed the collection on my XXXX report however elevate state it was a valid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called in XXXX XXXX to get tv service. While I was trying to set things up I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me except the XXXX XXXX account they informed me about, maybe it still has not been reported, I'm not sure. Please get these fraudulent accounts off my report. 

XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX {$1200.00}
Product: Credit card or prepaid card

I HAD AN ACCOUNT WITH XXXX XXXX XXXX THROUGH COMMENITY BANK IN WHICH I MADE ALL MY PAYMENTS AND EVEN EXTRA MOST MONTHS TO PAY IT OFF. I MOVED TO ANOTHER STATE AND RECEIVED A NEW BANKING ACCOUNT WHICH I CALLED COMMENITY AND GAVE THEM THE CORRECT BANK ACCOUNT NUMBER. UNFORTUNATELY THE LAST 4 DIGITS WERE VERY SIMILAR TO THE BANKING ACCOUNT I HAD HAD, HOWEVER A COMPLETELY DIFFERENT BANK. THEY CORRECTLY TOOK IT OUT ONE MONTH AND THEN THE NEXT MONTH THEY TRIED TO TAKE IT OUT OF THE FORMER ACCOUNT WHICH DID NOT HAVE ENOUGH MONEY IN THE ACCOUNT. WHEN I RECEIVED THE NEXT BILLING IT HAD A LATE FEE AND NOTED MY PAYMENT WAS NOT RECEIVED. I CALLED AND ASKED WHY AND FOUND OUT THEY TRIED TO TAKE IT FROM THE OLD ACCOUNT. I THEN PAID THE ENTIRE ACCOUNT OF {$420.00} OFF AND THEN SENT IN THE LATE FEE AND PAID ONLINE A XXXX DOLLAR FEE FOR SPEAKING WITH A REPESENTATIVE. THEY CLAIM THEY DIDNOT GET THE LATE FEE ON TIME AND NOW EVERY MONTH THEY'VE BEEN CHARGING ME A LATE FEE ON THE LATE FEE
Product: Credit card

I wanted to purchase a TV. I went on the HHGreg website and reviewed an opportunity to apply for a same as cash offer to buy a TV. I went through the purchase process and when it was time to get financing, there was no link to the application. So, I went back to the offer page and applied that way. I was approved and given an in store reference number. However, I could not use the reference number to pay online. I was also offered a XXXX % discount by HHGreg if I signed up to get emails, I did that. I was also going to use that discount for my purchase. I then called Synchrony Bank to see if I could possible get my account number in order to use it to purchase the TV on line. They said it was not generated yet. Due to work, I was unable to get to the store by Saturday when the sale was going to end. I then received another email ( from HHGreg ) saying the sale was extended to Sunday. On Sunday, I went to the store. That morning, I checked the internet and the sale price was still the same as it was on Thursday ( {$1100.00} ). I went to the store, and the sale associate said the TV was now a {$100.00} more ( {$1200.00} ). They would not pull up the website to verify it. They then told me the same as cash offer changed to 24 month from 36. So, I left the store. I went home and went back on line. The price of the TV was {$1100.00}, so I went through checkout. When I got to the end, I called Synchrony Bank. The IVR matched my phone number, I answered all the security questions, and asked for my account number so I could purchase the TV. The rep transferrered me to another rep who refused to disclose the account number. She said that HHGreg prohibited them from giving me my account number. I told them that I was purchasing a TV and that I would be receiving it in 7 business days anyway. She still refused. I asked to be transferred back to CS and closed my account. I feel as though they were playing some bait and switch game. Synchony bank now has my personal information. I have a hit on my credit report and I 'm not going to use the credit I was offered. I 'll never do business with either company agian.
Product: Credit reporting or other personal consumer reports

I found inquiries i dont recognize on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes, but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. I believe that my rights have also been violated under 5 U.S.C. 552a ( the Privacy Act of 1974 ), 18 U.S.C. 1028A ( aggravated identity theft ), 15 U.S.C. 1681b ( Fair Credit Reporting Act ), and 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ). This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I have been left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had fraudulet account on my report.Please remove these accouts from my report they are hurting my ability to obtain credit .XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1962 ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX NWIDE RECVRY XXXX NWIDE RECVRY XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not  responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection
shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this  matter very serious NWIDE RECVRY XXXX NWIDE RECVRY XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the  Southern District of California Stop collection  proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1962 ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

My card was used fraudently during XXXX time and chase denied my dispute due to them claiming a fraud alert was sent. However I never received a fraud alert nor any phone call or email.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX; XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$550.00} ; XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$690.00} ; XXXX  XXXX XXXX Balance : {$540.00}.
Product: Credit reporting or other personal consumer reports

This is my 2nd 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XX/XX/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

I received a copy of my credit report and am disputing Several addresses some which I have not resided at, and I was also a victim of fraud. I am requesting these addresses be deleted. I have highlighted these addresses and I am disputing these items. I have attached the police and fraud report. The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following:XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

I had a barclays credit card it was charged off I paid it in a settlement it was sent from credit store to XXXX XXXX to XXXX XXXX and when I spoke to XXXX XXXX they said the account is paid for {$800.00} and they dont know why Im being reported so I called XXXX back and they claim that they have no access to my account to call XXXX XXXX  back. Im getting a run around, they reported my to XXXX  and they took off 14 points off my score on an account that was already satisfied. I want my score restored to XXXX and for the to erase themselves off my credit report due to fraud and negligence. BTW I never got notification of this debt cause it was already paid.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX