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

My federal student loans were transferred from XXXX to Mohela. There should only be a balance with the Mohela loans since I no longer owe any balances to XXXX. However, both XXXX and Mohela are reported with the same balance, duplicating the amount I owe and making it appear that I owe twice as much money as I actually do. I have contacted both servicers and have also filed disputes with the reporting agencies, but they have not done anything to resolve the issue. I just read an article in the XXXX XXXXXXXX that there are at least XXXX XXXX duplicate student loan records appearing on credit reports, and they are from borrowers that had loan balances transferred from XXXX to Mohela as well. This has been reported incorrectly on my credit for over a year now and I deserve a resolution.
Product: Credit reporting or other personal consumer reports

my account was hacked, several applications were completed on my name applying for credit that i did not do. all these applications were not done by me and they have affected my credit scores. i would like them to be removed from my credit so my score can be updated.
Product: Debt collection

This is my 11th complaint that I am filing against EQUIFAX. There were two [ 2 ] deleted inquiries from my EQUIFAX credit report after my disputes and now EQUIFAX is liable to compensate me with monetary remedy. 

The two inquiries deleted were : XXXX XXXX XXXX XXXX XXXX XXXX By deleting the inquiries off my report, EQUIFAX is admitting that their practices are in fact abusive and deceptive. I used my power to speak up as a natural person for the abuse that was being done to me and in turn, EQUIFAX rightfully deleted the inquires. 

Pursuant to 15 U.S. Code 1681a : -The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
-The term consumer means an individual. 
-The term investigative consumer report means a " consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. " Pursuant to 15 U.S. Code 1681o, EQUIFAX is liable to compensate me in the amount equal to the sum of damages done to me for the failure of compliance with the requirements under the Fair Credit Reporting Act. I have been going at this case for over 100 days now and I will not stop until I get compensated as EQUIFAX is liable by law to pay my invoice. I will attach Exhibits to this complaint that prove the deletion of the inquiries following my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 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 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: Credit card

XXXX 2015 I sent a bank issued check to XXXX XXXX to pay off my credit card, the check was received and cashed XXXX/XXXX/15. The check was never applied to my account! I started calling them weekly as soon as I saw that it was not applied. They told me with each call that it would be investigated and would take XXXX billing cycles. I also sent a copy of the cashed check ( 3 times ), soon after they started calling me DAILY that my account was overdue. I explained the situation over and over for months as I could not get XXXX person to handle this problem. I 've contacted the XXXX which only increased the phone calls, XXXX of them just today! I have called XXXX which XXXX XXXX uses as their bank, and was told by XXXX that XXXX XXXX would have to handle the situation. I have gone to my local XXXX XXXX and spoke to the manager there, no help! I really do n't know what to do, can you help me?
Product: Credit card or prepaid card

I closed my account in XXXX of XXXX and Bank of America is still allowing recurring charges to go through. The number for the recurring charges does n't work, I do n't recall ever setting it up and finally closed the account Bank of America account to stop giving XXXX {$10.00} a month and Bank of America says they will continue to pay it as long as quick books continues to hit the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several times to try to reach out by calling, certified letters sent to Equifax about these unknown credit inquiries on my report. Still has not been resolved. Yes, I am aware of the pandemic, etc. but what about the proof that I submitted several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about the XXXX of XXXX while I was opening up another bank account, the banker ran a credit check on me and said that I had a " XXXX '' credit rating which she thought was very strange because the report showed nothing.. Upon checking this out myself two or three days later, my report indeed said " XXXX '' credit. I called Experian to file a dispute and informed them that I have always had a credit rating in the XXXX 's. The current report shows no credit, no bank accounts, no loans, no credit cards, no history, nothing. I informed them that I have four bank accounts, four investment accounts, several credit cards and lease a car in my own name as well as 2 previous mortgages and several monthly utility bills. After speaking with three representatives I was told that the problem was on their end and would be corrected within five business days. It was not, so again about the XXXX or so in XXXX I again called to explain this situation to another representative who also said that this was an internal problem and would again be corrected within three to five days. It was not and continues to not be corrected. My report shows no credit, no investment accounts no credit cards, no previous mortgages and no car leases almost a blank slate. Experian has done nothing to correct this matter. What they did do is send me my Dispute Results that says that they deleted my correct name and updated it with my correct name, which makes absolutely no sense. I really need to get my real credit report back on line as I use this number to lease my cars and as of now it says " XXXX ''. Any assistance would be greatly appreciated. Thank-you
Product: Debt collection

XXXX XXXX XXXX. ; XX/XX/2018 ; XXXX XXXX XXXX XXXX, debt owed is {$710.00}. I told them that I was unable to pay because My income stopped coming to me for a few months and I'm on SSI and SSD, and I cant be hold reasonable to repaying any debts at all. the sent this debt to collections and I sent them the law showing I didn't have to pay them nothing and they just kept sending notes about the debt. also, in 15 usc 1681section 602 states I have the right to privacy ; 15 usc 1681 section 604a section 2 : It also, states a consumer reporting agency can not furnish an account without my written instructions ; 15 usc 1666B : A creditor may not treat a payment on a credit card account under on open end consumer credit plan as late for purpose. They have been paid already by the government!
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed unauthorized account/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My mortgage loan is with with Dovenmuele Mortgage - XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, Illinois XXXX. This complaint is due to a discrepancy within my credit which was reported by Dovenmuehle. After several telephone calls and conversations, customer service representatives state they do not have access to, or can not see, my credit report and therefore can not correct this mistake. I have emailed Dovenmuele six times regarding this error. 

The company has been adding delinquent charges to my credit report for months. I received a letter in the mail on XX/XX/2020 explaining that the Company has transferred my Dovenmuele mortgage to another mortgage company. While I accept the changes, the company has reported the sum transferred as a delinquency on my credit report. Dovenmuele has also reported an erroneous amount of {$250000.00} in delinquency when the amount owed is for the sum {$23000.00} XXXX this was the amount transferred to the new mortgage company ). Additionally, Dovenmuele has failed to report my account in good standing for the months of XXXX, XXXX, XXXX and XX/XX/2020. 

I have contacted Dovenmuele regarding these issues on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2020 and Dovenmuele still has not rectified the problem. Instead, the issues are now heightened. Since my last emails, Dovenmuele has been adding further negative credit reportings on to my credit rating status ; in turn putting further stress on my financial situation. I have been affected by COVID and my family has had a loss of income. This situation with Dovenmuele has placed further financial hardship in our lives since my credit report is now showing delinquency. Asdefined by the CARES Act, a Mortgageservicer or creditor is required to report an account in forbearance as current. This has been referred to asan accommodation under the Cares act and quoted by the Consumer Finance Protection Bureau.Dovenmuele is breaking the law under The Cares Act and refusing me an accommodation that is  being provided to so many other patrons. 

I am requesting that Dovenmuele send a correction report in the areas mentioned above to the 3 credit bureaus XXXX, XXXX and XXXX as soon as possible so that my credit report may once again be in good standing. 

Thank you for your support in this matter.
Product: Mortgage

My loan officer scheduled an appraisal without consulting me which was billed {$640.00} on my CC XX/XX/XXXX, before I could even do an inspection on the home or gave an intent to proceed. I did an inspection on XXXX ( thursday ) and over the weekend told my real estate agent that I did not want to purchase the homeand signed a release of contract on the following Monday on XXXX, on XX/XX/XXXX the agent asked me to call him and I did and that's when I was informed for the first time that there was an appraisal scheduled and that I would be liable for it, even though it was scheduled for several days after I had already signed a release of contract. I said I refused to pay and the agent said he'd try to cancel and then call me back the next day to give me more information, but he never did and I didnt ' notice the charge on XXXX until after that conversation. I have filled a charge back on my card today XX/XX/XXXX.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX As stated on my letter XX/XX/2018 the refund has not been credit to my account as stated by Citi due to they sold it to a collection company. As stated we are issuing a full refund. statement credit of {$370.00} that has been applied to my account and will appear on my statement as stated by Citi as they sold it to a collection company that account needs to be bought back due to the fact that there was a dispute then when they had the account to there fee 's that they never took in to account.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX and I noticed this problem on my credit report on XX/XX/year>. Please remove it from my credit report as soon as possible. Im a victim of identity theft and these accounts are not mine.
Product: Credit card

This account was originally established in XXXX. There were several times that as I have been XXXX  XXXX, and XXXX, that I have had to use the credit protection plan. 
Since I was XXXX in XX/XX/XXXX, and then placed in an XXXX XXXX XXXX, then after XXXXXXXX XXXX XXXX XXXX and required XXXX XXXX XXXX I began to try communicating with the credit protection plan department ; XX/XX/XXXX to XX/XX/XXXX, about having payments made for the monthly charges that began to be delinquent. I was advised by the manager of the credit protection plan to send ALL the necessary information concerning my date of 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 I sent everything that was requested, and had further issues with the same manager of the credit protection plan department manager. After some research, I then tried to reach out to Celtic Bank in XXXX XXXX XXXX, Utah in XX/XX/XXXX, because my account is somehow linked to my credit card bill, and discovered that the credit protection plan was discontinued because I requested that it be removed. I have never made that kind of request. I have been unable to resolve my problem.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding the late payment entry on my credit report. Despite my previous correspondence, I am disappointed to note that this matter remains unresolved, and I am increasingly concerned about potential violations of the Fair Credit Reporting Act ( FCRA ). As previously stated, the late payment entry on my credit report is inaccurate and unjustified. I have meticulously reviewed my records, and there is no evidence to support the claim of a late payment to [ XXXX XXXX XXXX ] on the reported date. Furthermore, it has come to my attention that the inclusion of this inaccurate late payment entry on my credit report may constitute violations of the FCRA. The FCRA mandates that credit reporting agencies ensure the accuracy of information contained in consumer credit reports. Inaccurate reporting, such as the inclusion of a late payment that did not occur, not only harms my credit score but also violates my rights under federal law. 


I am deeply troubled by the failure of [ XXXX XXXX XXXX XXXX ] to rectify this situation promptly. Despite providing evidence to support my dispute, the inaccurate late payment entry remains on my credit report, causing ongoing damage to my creditworthiness and financial standing.
Product: Mortgage

Specialized Loan Services, XXXX. Purchased/acquired my mortgage loan, and from XX/XX/XXXX, and XX/XX/XXXX ; I had sent payments on the amount of {$470.00}, However on XX/XX/XXXX they will raise my mortgage payment to {$480.00}, they increase my payment XXXX dollar per year. I could use these on my XXXX dollars {$8.00} on laundry machines ; and to pay {$40.00} co-payment with my Endocrinologist. 

I have not received SLS Mortgage interest statement and or my property tax bill paid.
Product: Debt collection

STATES RECOVERY SYSTEM.has obtained my nonpublic personal information as a result of material misrepresentation, fraud and identity theft pursuant to 15 USC 1681a ( q ) ( 3 ) and F.S 817.568 ( 2 ) ( a ). STATES RECOVERY SYSTEM is in unlawful possession of the consumers private financial information and have used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization.
Product: Credit reporting or other personal consumer reports

I previously submitted a dispute to Transunion regarding XXXX XXXX XXXX. XXXX {$910.00}. I have asked that they validate/verify this debt as the statement XXXX XXXX XXXX sent me as verification is full of incomplete and inaccurate information. The statement does not include any transaction history. It shows interest charges on purchases {$16.00}, Interest charges on cash advances {$1.00}. Total interest {$18.00}. With totals year to date charges of {$40.00} fees and Total interest charged {$100.00}. Yet, the amount on the statement is {$910.00}. There is no documentation to support that amount and the statement sent to me is not in anyway a validation of debt. I asked Transunion and XXXX XXXX  previously to explain these inaccuracies or delete the account from credit file per the Fair Credit Reporting Act as all information should be complete and accurate. Neither Transunion or XXXX has complied genuinely with my requests, instead Transunion sent me back a response advising the account had been " verified as accurate '' with no explanation or details or proof to support their response. I do not believe they contacted the furnisher and if they did, they did not do any type of investigation. Nor did they address anything in my dispute. I sent them the statement of XXXX XXXX XXXX and I also sent them proof that XXXX removed this account from my credit file after my dispute to them. Transunion ignored all of this as well as XXXX XXXX How can they continue to report this account after XXXX has deleted it? Please review and delete this account from my credit file. 

Please see below proof XXXX removed this account : Also attaching statement XXXX XXXX XXXX sent me as validation of debt Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXXXXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX XXXX XXXXXXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX XXXX, XXXX XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ACTUAL PAYMENT Trade : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report  : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I had a vehicle loan through Professional Financial Services ( PFS ). In XXXX 2011 we had a major hail storm to hit our area, and the vehicle was totaled out by my insurance XXXX. I have copy of the canceled check along with the release of lien on the vehicle ( Please see attachment ). PFS has a balance of app {$3800.00} on my credit that I have disputed several times to no avail. I have even spoke with several people at PFS and no one can give me a straight answer as to what the charges are for. I have asked for proof several times and they said they did n't have to send me any. I have been told it was where gap was n't paid, then I was told no it was where I owed late fees. I advised them that I know for a fact I did n't owe over $ 3k in late fees, then the story was changed to maybe it was when I first got the car loan and two days later a part on the transmission failed and they fixed it. I advised them that I was told it was being fixed under " XXXX '' and to please show me proof from XXXX XXXX Ford ( where car was purchased ) and they said they did n't have to. Then I was asked if we could come to some kind of arraignments and pay half, and I advised them that they needed to send me documentation/written proof etc that I even owed anything or take this off my credit report.
Product: Vehicle loan or lease

I have two vehicles purchased under Carmax Auto Finance in XXXX of 2021. The finance department assured me that the payments for both of my vehicles would report on my business credit report as well as my personal report. To this day, none of the payments have reported to my business report, only my personal. I have reached out several times and have not been able to resolve this issue. The vehicles also have my business listed as the primary buyer.