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

I originally signed up with XXXX XXXX in XXXX, which was purchased by XXXX in XXXX. The amounts being withdrawn from my checking account to pay for the panels do not even cover the interest due. I have made additional payments only to find out that I am now behind on interest again by {$200.00}. I made a $ 325+ payment in XXXX to cover the shortage ... and I have been making payments for 4 years now and my balance is the same as when I started. Why does NONE of it go toward principal? 

When I call and ask them to increase the amount to a fixed amount, they are unable to do this. If I pay extra, the extra amount is taken from the next month 's due date. The only way I am able to make principal reductions is in minimum payments of {$500.00}. I have requested on several occasions to have my additional payments go toward principal and have been denied. I want to pay a fixed amount regardless of what the interest due is. I want the additional funds to reduce the principal balance. 

Since solar panels have a limited life, I am afraid when my 30 years is up, I'll still have the same balance because they are collecting LESS than interest due so I am always behind, with no way to come up to current - how fair is this?! I have requested to be put on a 10-15 year fully amortizing payment, and they state it is impossible. How am I ever going to pay this off? What happens at the end of my 30 years and I have expired panels and a {$27000.00} balance ( Original bal )? This seems predatory and deceitful, and I am getting no where talking to the support staff. Furthermore, there is no way to talk to a human being, it is only via email. I really need help in navigating this company - I am just trying to reduce carbon footprint and am afraid I got myself into a boondoggle!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$230.00}
Product: Credit card or prepaid card

My card was fraudulently opened up in XXXX and charged {$13.00} when I found out in XXXX it was already late .... I never received the card or knew what was charged JP_ Morgan Chase let me know that they were removing it from the credit bureaus, but this fraud activity hurt my ability to get a mortgage loan. 

Please have them remove it from all 3 bureaus ASAP
Product: Credit card

I need your help to investigate accounts from companies that have incorrectly reported late payments. Upon reviewing my credit report, I found that certain accounts reflect late payments inaccurately. There should not be any late payment remarks on these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Debt collection

Hi, this is a follow-up to the CFPB complaint concerning Upgrade. 


XXXX. Per the description provided, " Upgrade is a financial technology company, not a bank. We work with banks and other financial institutions to offer financial products to consumers. '' XXXX. Financial technology company, to my knowledge, does not lend money, nor do they have the authority to keep personal data. The use and reporting to my credit are not within federal or state privacy laws for data collection. 

XXXX. Upgrade has damaged my credit, without authority. They will correct my credit immediately. 

XXXX. " Charge off '' is not a defined term in this loan agreement. 

XXXX. There are 2 borrower agreements. Both have all payments going to XXXX XXXX XXXX  XXXX Upgrade. The 2nd loan agreement is dated XX/XX/XXXX, which is an incorrect date. The 1st loan agreement states that my interest rate is 22.82 % with a loan amount of {$20000.00}. Both truths in lending statements show the amount financed is {$18000.00} with an interest rate of 26.99 %. Neither truth in lending mentions Upgrade. The borrower agreement states it will not share information outside of XXXX XXXX XXXX Upgrade has retained all of my information and has severely damaged my credit. The borrower agreement states that interest is calculated based on 365 days in a year, defining the payments being due on the last day of the month. It also goes over the definition of the last day of the month. It states the last payment is {$560.00}. The truth in lending states that the loan is 60 months, to be paid off on XX/XX/XXXX and a start date of XX/XX/XXXX. The last date of the month in XXXX of XXXX is the XXXX. The borrower agreements contradict each other. One states that the jurisdiction is XXXX XXXX, and one states it's XXXX XXXX  The origination fee is {$1600.00}, which is defined as prepaid interest. This would not add up based on 22.82 % or 26.99 %. The {$1600.00} is part of the loan, and again, it's not in the truth in lending. The borrower agreements show {$200000.00}. 

XXXX. I would like copies of the cashed checks that were cut or ACH confirmations in funding the loan. Also copies of agreements with my signature and a loan officer 's signature. I do not have that. It states that a XXXX and XXXX were paid for me, the information only shows they paid a XXXX 

Needless to say, this is not a valid contract. When I log in to Upgrade 's site, it tells me my credit score is XXXX. The same defined XXXX version with a credit bureaus website is XXXX. It appears they are falsely reporting the status. Next to the score reported by Upgrade ( XXXX XXXX ) is a button to get started getting a credit card through them. 

I will no longer be responsible for this debt to XXXX XXXX XXXX or Upgrade Inc. due to a breach of contract. The contract was deceiving in the information as stated above. I am submitting this through the CFPB. With a copy to XXXX to begin the reporting. XXXX is listed as the credit scoring agency. Upgrade is not on that document, therefore should not be presenting a manipulated credit score. 

All documents are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Kohl 's charge opened in approx. XXXX. The original credit limit was XXXX. The company unknowingly raised my credit limit. After I asked to have it reduced, they refused. During this call I also noticed that my card had been used in a fraudulent manner for {$800.00}. I had discussed this issue with the creditor, however they did not fix the issue but rather sent my account to collections after multiple attempts to rectify the situation on my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

1- TD BANK N.A . XX/XX/XXXX. {$3200.00} 2- XXXX XXXX XXXX XXXX. XX/XX/XXXX. {$2000.00} 3- XXXX XXXX XXXX . XX/XX/XXXX. {$1200.00} 4- XXXX XXXX. XX/XX/XXXX. {$240.00}
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I finally got my account closed. I tried to close my account with kick off before maybe for 2 months already. I couldn't get them to respond. Finally got them to respond. And I use their automated system to try to close the account. I couldn't find my account. I try to reopen an account. And it said I had an existing account. So I couldn't do anything to make payments or change anything. So I tried to close it. And I ended up with 2 late payments due to their system.
Product: Debt collection

I Disputed the collection amount as soon as I received the collection letter, in writing, and via an email that the collection agency provided in their collection letter, and I asked for supporting documents for the collection amount. They never responded back. 

However, the collection amount has already been reported by them in my credit report regardless of my in time dispute letter and dispute email.
Product: Credit reporting or other personal consumer reports

I have repeatedly contacted your bureau about my identity theft situation, yet my concerns remain unresolved. 
Despite submitting the required FTC complaint, this fraudulent account remains on my credit report. I have contacted the associated company, provided the necessary documents, and had the account deleted from their records. Other credit bureaus have also removed this account following the FTC complaint. I am questioning the verification process your bureau used to continue reporting this fraudulent account. 
I am once again disputing the fraudulent entries affecting my credit file : XXXXXXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I sent an email with an attached letter from my city assessor office. The letter showed previous owners were tax exempt. The letter stated that tax exemption was being removed/transferred. After receiving my email my monthly payment decreased to {$940.00}. 
The change in my payment has caused a negative balance in my escrow because Loancare had me listed as tax exempt, but I am not. This mistake was discovered in XXXX of XXXX causing my payment to suddenly increase to {$1800.00}. I called and spoke to many, many supervisors and representatives. I was advised to continue paying the {$940.00}. An investigation was opened that took several months while my account was showing delinquent because the system required the increased amount. I was advised that my payments would be held in a holding account until the total increased amount is collected then applied as one payment. 
XXXX happened while the investigation was still undergo. Therefore, I was able apply for a forbearance while waiting. My payment history will show that I have continued to makepay ments each month sometimes twice a month whatever I can afford. Unfortunately, because my account was already delinquent before the forbearance this mistake has negatively impacted my credit score severely. Loancare has reported to all my credit bureaus non-payments and delinquencies. I have tried to work with Loancare, I sent a complaint in to the XXXX and we had a mediation in which XXXX XXXX XXXX agreed to update credit reporting. I recieved a letter from their office stating that credit reporting is correct. I have supporting documents that I sent to Loancare years ago about changing my tax status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXXXXXX XXXX  and requested on XX/XX/2021 to remove the inaccurate information. I also consulted a credit repair company on my be hallf on XXXX. I spoke to XXXX XXXX multiple times during 2021 requesting to freeze report and stop reporting on XX/XX/2021. The account is still reporting and it is more than one account that is inaccurate. I still haven't had any help with information removed or no longer reporting.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX : credit check done for new home and identity theft played apart of the problem with my score and denial I qualified for everything else but that did not matter unfortunately because I was left without a home and the wrong credit information. 

XX/XX/XXXX : credit check done for new home and identity theft played apart of the problem with my score and denial I qualified for everything else but that did not matter unfortunately because I was left without a home and the wrong credit information. 

XX/XX/XXXX : credit check done for new home and identity theft played apart of the problem with my score and denial I qualified for everything else but that did not matter unfortunately because I was left without a home and the wrong credit information. 


XX/XX/XXXX : credit check done for new home and identity theft played apart of the problem with my score and denial I qualified for everything else but that did not matter unfortunately because I was left without a home and the wrong credit information. 

XX/XX/XXXX : credit check done for new home and identity theft played apart of the problem with my score and denial I qualified for everything else but that did not matter unfortunately because I was left without a home and the wrong credit information.
Product: Debt collection

I started receiving calls from ERC collection company about a enormous phone bill from XXXX for a period in which I did not live in the country. Besides many attempts of explaining the situation ERC posted a collection on my credit report resulting in my scores being lowered and bad credit history. Inorder to settle this matter amicably I agreed to pay ERC a negotiated payment so that they remove the unjustified report from my credit history. They collected payment from me however they now refuse any form of communication and my credit score has been below good which is effecting my decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. Iresearched how to remove the fraudulent items in my report and found that I need to visitFEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section605b Credit Reporting Agencies are required to remove/block any items listed on an idtheft report. Please find the ATTACHED documents to assist in blocking the erroneousinformation which is being posted to my report. Here is the list of items that do not belongto me or were opened without my permission. XXXX XXXX ; XXXX XXXX ; XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} ; XXXX  XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Owed : {$470.00} ; XXXX  XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$570.00} ; XXXX XXXXXXXX Balance Owed : {$200.00} ; XXXX XXXXXXXX Balance Owed : {$680.00} ; XXXX XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX.
Product: Student loan

Accepted the original loan with Salliemae on XX/XX/XXXX while attending the XXXX XXXX XXXX XXXX XXXX  XXXX in XXXX, FL. I was told that I would be able to refinance the loan for a lower interest rate at any time, however the Salliemae and the current owner of the loan, Navient has never allowed me to do so. In XX/XX/XXXX I offered to settle the loan with {$20000.00} that I was able to save while on XXXX in the XXXX but was told that they do not settle for less than the full amount. Since then I have still been affiliated with the XXXX as a XXXX while working as an XXXX XXXX up until XX/XX/XXXX before I XXXX again, while still working on my XXXX which I just completed on XX/XX/XXXX. In early XX/XX/XXXX although I was working, I really struggled to make my monthly payments. I was threatened with my loan being reported as defaulted and losing my vehicle and being sued. I have never resisted repaying the loan due to negligence, I simply just cant pay an amount that I do not have. Only after 3 months of phone calls, did they finally offer me a reasonable repayment plan but only temporarily and after months of damaging credit which has hindered my ability to refinance with anyone else because of the delinquent history. Even while under the interest rate reduction program with automatic payments from my checking account, I have encountered issues with them not withdrawing the money. Specifically, in one instance after hurricane Irma and Maria, I called to inquire as to why they did not debit my account for the agreed monthly payment? I was told that the payment was waived because of a natural disaster declaration, but the next month when I called because I noticed the date had passed from when they would have charged my account, nothing was pulled. This time when I called, I was told that I had violated the terms of the program and had to pay a provide information to be accepted into another program which required a higher monthly payment. As a current XXXX, I am trying to find better employment to be able to meet my obligations, but currently I can not support what they are asking monthly for {$56000.00} loan gown 4 times the original amount with a 15.375 % interest rate. The school that I obtained the loan counseling through doesn't even exist anymore so there is no one available to challenge about the information they explained to me and now there is a different institution listed as the school where the original loan was acquired. I very seriously doubt that they have any interest in making things simpler for me, really just want to make more money on a smaller loan principle 15 years old. Any information that would help to just obtain reasonable terms at the least would be greatly appreciated. I understand that there are very little regulations on private loan servicers but I am a 13-year veteran still XXXX  in the XXXX XXXX, with a family of XXXX that I have to support. I have every reason to comply and pay my debt, just difficulty doing it with varying terms.
Product: Checking or savings account

I filed a fraud claim with Wells Fargo because there were multiple unauthorized transactions on my account. When ever i try to use my card wells fargo continuously flags my transactions as fraud. I called to ask if they called and asked if these unauthorized transactions were fraud and they could not give an answer. The claim was for a total of {$3100.00}. They notified me that they denied the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding a persistent issue related to my credit accounts with XXXX XXXX. Specifically, I have encountered multiple attempts to tie up an account that is correctly reported as open with 3 credit bureaus but inaccurately reported as a collection account with another credit bureau. 

This situation has caused considerable confusion, stress, and damage to my creditworthiness, and I am seeking your immediate assistance to rectify these discrepancies. 

XXXX XXXX XXXX Date Opened XX/XX/2018 Balance : {$0.00} - Tied Up Issue Description : XXXX of my XXXX  XXXX credit accounts is correctly reported as open and in good standing in other Credit Bureaus, as reflected in my credit report. However, this same account is erroneously reported as a collection account, as shown in my credit report. This inconsistency has severely impacted my credit score, making it challenging for me to secure favorable credit terms and loans. 

I have made multiple attempts to resolve this issue by contacting XXXX XXXXXXXX XXXX  customer service, providing documentation and proof of the account 's open status, and requesting that the accurate information be reflected on all credit bureaus ' reports. Despite my efforts, the issue persists, and my credit profile continues to be adversely affected. 

I believe that this situation not only violates the Fair Credit Reporting Act ( FCRA ) but also reflects negatively on XXXXXXXX XXXX XXXX commitment to providing accurate and reliable credit reporting. 


To address this issue promptly and to ensure compliance with the FCRA, I kindly request the following actions : Investigate and verify the accuracy of the account information reported to credit bureaus, particularly the discrepancy between the Credit Bureaus. 

Correct the reporting error with 3 Credit Bureaus to reflect the accurate status of the account as open and in good standing. 

Provide written documentation of the results of your investigation, including confirmation of the correction made withCredit Bureaus. 

Notify the Credit Bureaus and other relevant credit reporting agencies of the corrected information to ensure uniform and accurate reporting across all credit reports. 

Ensure that this issue does not recur in the future and implement measures to prevent similar inaccuracies in credit reporting. 

Failure to address this matter promptly and in accordance with the FCRA may compel me to seek legal remedies to rectify these inaccuracies, including pursuing damages for any harm caused to my credit profile and personal finances. 

I have enclosed copies of relevant documents, including credit reports. I kindly request for your assistance to correct this account in good standing.