23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Received this loan from XXXX XXXX XXXX XXXX in XX/XX/XXXX. It was for {$6000.00}. This was to be forgiven when I XXXX in a culturally deprived or low income district which I did by XXXX in XXXX Ca. and at XXXX XXXX in XXXX XXXX. The XXXX program, administered by the state was supposed to complete the forgiveness process in XX/XX/XXXX-XX/XX/XXXX or so. This never happened, in spite or many attempts on my part to contact them and have the loan forgiven. Since then the loan has been boughtand sold several times and is now in the hands of XXXX to the tune of {$12000.00}. This is utterly ridiculous. It 's been nearly 20 years that I have been paying on this loan and trying to get it forgiven.
Product: Credit reporting or other personal consumer reports

I'm writing to complaint to EXPERIAN about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I go by XXXX XXXX XXXX. My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint are XXXX and XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. This is a legitimate inquiry of information and declaring.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a compliant dealing with addresses that do not belong on my credit report. I am request a block on my personal information. I need a copy of my credit report for my personal review. please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Vehicle loan or lease

On or around XX/XX/XXXX I went online to make a payment as I have since signing the agreement on XX/XX/XXXX with Flagship Credit Acceptance but I could not log on. I continued trying to reset my password but was still unable to get in. On XX/XX/XXXX I called Flagship and the pre-recorded audio stated my account number had changed. I became alarmed and attempted to speak with the rep to turn off e-statements and have all correspondence sent via postal service as I then believed I must have missed the disclosures advising of upcoming changes. The rep claimed they had turned off e-statements and I would start getting paper statements but after three more phone calls, it still wasn't done. My complaint is that Flagship Credit Acceptance has violated the terms of the contract and therefore voided the contract. After speaking with two different reps today ( XX/XX/XXXX ) I was told several disturbing things. I was told that changes were made to the contract ( my account number was changed ), I was still not set up for paper statements, that I could not have access to the online portal because I was over 5 days past due, and that Flagship can make any changes they want and do not have to notify " every single customer ''. I believe Flagship Credit Acceptance has violated my rights as a consumer by not providing me with access to the account, making changes to the contract without my knowledge or consent, and preventing me from making payments online. After reviewing the contract there are no disclosures that were provided to me that allow Flagship to make changes to the contract without notifying me. A right of rescission letter was sent to Acceptance Now on XX/XX/XXXX that they did not respond to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a home for my family and it was requested by a lender to pull my credit reports. As part of the review I found there are inaccurate items and should not be on my credit report. The lender indicated to me that missed payments will cause my interest rate to be higher. I understand mistakes happen but this needs to be fixed because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency.

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. This account is showing 90 days past due multiple times according I have attached a copy of my Drivers License and Billing Statement for identity verification and a bill for address verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and noticed multiple Erroneous accounts. Sections 609 ( a ) ( 1 ) ( A ) require Equifax to validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX. Erroneous account direct violation of 15 USC 1681 reporting incorrectly XXXX XXXX Bankruptcy Case Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY XXXX. Erroneous account direct violation of 15 USC 1681 reporting incorrectly XXXX XXXX Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY XXXX. Erroneous account direct violation of 15 USC 1681 reporting incorrectly XXXX XXXX Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY XXXX. Erroneous account direct violation of 15 USC 1681 reporting incorrectly XXXX XXXX  Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY
Product: Debt collection

I received a collections notice from XXXX in XXXX over a rental damages debt. I have never even heard of the creditor, called XXXX XXXX. I never rented property from XXXX XXXX. I requested verification and it was not provided. The creditor originally listed was XXXX XXXX, which like XXXX XXXX I have never heard of. And when verification was requested, they told me they would email me verification and they never did. 
This started as being listed as " joint debt '', now is showing as just mine. I have made multiple requests to contest it on my credit report, and it always ends up staying on, even without being able to validate. It just added notes that I have contested it. I have received several letters, the last one dated XX/XX/XXXX. I have received phone calls. So, I am continuously being harassed and have attempts made to collect a debt that is not mine, nor was verified to be mine. This is a violation of FDCPA as they continue to go after debt that is not mine, and I have requested multiple times for them to prove or remove and they have done neither. Once verification is requested all collection attempts must be stopped and verified before they can continue, and this was not done.
Product: Debt collection

On XX/XX/19 I noticed a collections agency had appeared on my credit report, by the name of Transworld Systems Inc. When I became fully aware of them I called them to see what business I had with them? They stated I owed them money for a XXXX from another company ... ... I told them I don't owe any debts, I have no collection accounts on my credit report. I also asked them, if we had any business between us and can they provide proof I have a legal obligation to pay them? I sent a debt validation letter to them by fax and informed them they had 24-48 hours to remove this item from all three credit bureaus. As of XX/XX/19 the item is still on my credit report and I called them. I spoke with a man by the name of XXXX XXXX and he confirmed they received my debt validation letter. I also informed them at the beginning of our conversation all calls were being recorded. I was transferred to a supervisor by the name of XXXX XXXX and he tried to inform me it's a process in order to get this item removed or not. I became very upset and informed them I have no business with Transworld Systems Inc. They are trying to ruin my credit and they know we have know business with one another. I also informed them once again they need to remove this item from my credit report ASAP!!! I made them fully aware of me, making this the report as well. They are crooks and try to collect money not owed!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have traded my XXXX vehicle at XXXX XXXX XXXX on XX/XX/XXXX I gave the vehicle In as a trade for another. 
on XX/XX/XXXX I was advised they paid the car off in full but Hyundai is reporting the vehicle 30 days past due and this information is inaccurate. Delete this delinquent activity as it is inaccurate and update all the major credit reporting agencies that reflect negatively as this is not true false and misleading.
Product: Credit card or prepaid card

COMPLAINANT COMPLAINS BANK OF AMERICA XXXX BOA XXXX XXXX XXXX XXXX EXPIRES XXXX REFUSES TO DISPUTE XXXX CHARGES FIRST CHARGE TO BE DISPUTED {$95.00}. 
HERE IS CHARGE XXXX/XXXX/XXXX Expand transaction for Transaction date : XXXX UNLIMITED PLA XXXX ON Type Purchases {$95.00} SECOND CHARGE TO BE DISPUTED {$2.00} XXXX/XXXX/XXXX Expand transaction for Transaction date : XXXX TRANSACTION FEE Type Fees {$2.00} SELLER : ONECLASS BASIS OF DISPUTE : SELLER COMMITS FRAUD FRAUD IS PROMISING SPECIFIC COURSE MATERIALS BUT FAILING TO SUPPLY SAID SPECIFIC COURSE MATERIALS. 

COMPLAINANT WANTS {$95.00} AND {$2.00}
Product: Mortgage

My home loan was transferred from XXXX XXXX to Mr Cooper less than a month ago. Today I received a phone call from a XXXX number who said they were Mr. Cooper and there was an issue with my loan but before they could go into more details I needed to provide my Social Security number. I did not provide that info and hung up. I went to Mr .

Coopers website and call the number they have listed which was different from the one that called me to ask if they were trying to reach me about an issue. They said they were not trying to call me and they see no issues with my account. I am upset that my personal information and loan details have been compromised within only the first month of being transferred to Mr. Cooper. I do not feel comfortable with Mr. Cooper having my PII and bank information since its apparent that already a bad actor has my info. How can I be transferred back to XXXX XXXX to manage my remaining mortgage or at least cancel the relationship with Mr. Cooper who appear to have a history of data breaches.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have no knowledge in doing business with the companies listed
Product: Credit reporting or other personal consumer reports

Credit Karma XXXX XXXX To Whom It May Concern, Subject : Request for Removal and XXXX XXXX XXXX XXXX XXXX Credit Karma XXXX XXXX I am writing to formally address the exposure of my personal information in the recent data breach involving Credit Karma. I am deeply concerned about the potential misuse of my data, including identity theft and other fraudulent activities. 

Given this breach, I am requesting the following actions to ensure the protection and security of my personal information : Immediate Deletion of My Data : Permanently remove all records of my personal, financial, and sensitive information from XXXX XXXX databases. 
Confirmation of Deletion : Provide written confirmation once my information has been removed and secured. 
Cease Sharing My Information : Ensure that my personal data is no longer shared with any third parties or affiliates. 
Details of Preventative Measures : Provide a detailed explanation of the steps Credit Karma is taking to prevent future breaches and secure user data. 
To assist with my identification in your system, here are my details : Full Name : XXXX XXXX XXXX XXXX XXXX with My Account : XXXX XXXX XXXX : XXXX I am exercising my rights under applicable data privacy laws, including but not limited to the California Consumer Privacy Act ( CCPA ) or other relevant legislation, to request the deletion and protection of my personal information.

If my request is not resolved promptly, I will be compelled to report this incident to the appropriate regulatory authorities and may seek legal counsel to ensure my rights are upheld.

Please confirm receipt of this request and provide updates regarding the actions taken within [ specific timeframe, e.g., 30 days ]. You XXXX reach me at XXXX or ( XXXX ) XXXX for further correspondence. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Complaint Regarding Inaccurate Reporting by Credit Reporting Agencies XXXX XXXX XXXXXXXX XXXX XXXX Account I am filing a formal complaint against XXXX, Equifax, and XXXX regarding inaccurate information reported in my credit file. After reviewing my credit reports from these three credit bureaus, I discovered several discrepancies related to an account from XXXX XXXX for XXXX XXXX XXXX. Below are the details of the inaccuracies : 1. Discrepancy in Account Numbers : The account numbers reported for the XXXX XXXX  XXXX XXXX XXXX account are inconsistent across the three credit bureaus. Equifax reports a different account number than what is listed by XXXX and XXXX. 
2. Discrepancy in Account Open Dates : XXXX is reporting a different account open date for this account than the dates reported by Equifax and XXXX. 
3. Discrepancy in Reported Late Payments : XXXX shows four late payments, whereas both XXXX and Equifax are reporting five late payments for the same account. 
These inconsistencies constitute a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681 ( a ) ( b ) and Public Law 90-321 ( 82 Stat. 146 ), which mandates that consumer reporting agencies must ensure maximum accuracy in credit reporting. Additionally, under 15 USC 1681n, there is a {$500.00} penalty for each violation in cases of willful noncompliance by credit reporting agencies. Each agency has an obligation to follow these laws as part of their agreements with consumers.

Furthermore, 15 USC 1681o states that any company negligent in failing to comply with the FCRA is liable for such violations. Also, 15 USC 1681s-2 specifies the duties of information furnishers to ensure that the data they report to credit agencies is accurate. This duty has clearly not been fulfilled in this case. 
The Privacy Act of 1974 ( 5 USC 552 ( a ) ( e ) ( iii ) ) also requires compliance with all U.S. laws related to consumer credit information. The errors described above violate both the FCRA and the Privacy Act of 1974.

I request that the CFPB investigate these discrepancies and take the necessary action to ensure the immediate removal of this inaccurate trade line from my credit reports with XXXX, Equifax, and XXXX. Additionally, I request that the CFPB enforce the imposition of fines of at least {$500.00} USD per violation, totaling {$1500.00} USD for the three violations. I expect a timely investigation into this matter and a written response outlining the steps taken to resolve these issues. Thank you for your assistance and attention to this serious matter.
Product: Consumer Loan

I am having problems with a third party using my account without my permission/consent. This is annoying as this problem is constantly. The fraudulent address is Discover XXXX, UT XXXX Discover Bank, Member FDIC. The Payment address which I believe to be the original Discover address is Discover Financial Services, XXXX, IL XXXX
Product: Mortgage

I applied for assistance with SLS to save my home from foreclosure. I hired an attorney to help me with the process. I also applied for assistance with Keep your home California. I was approved with Keep your home California. My attorney submitted a loan modification application with my servicer SPS on XXXX/XXXX/2016. They have confirmed my application was received and complete and they are now stalling ( evading ) making a decision. The reason I am filing this complaint is because today my attorney says that SPS today said they did not have a complete file until XXXX/XXXX/2016. This is absolutely not true and a lie simply for them to stall. If you look at the attached Law Office Internal notes, you will see my attorney confirmed with them several times prior to XXXX/XXXX/2016 that the file was complete. Regardless, according to RESPA Reg X, the servicer does not have to have a perfect, complete file. They merely have to have a semi complete file with enough info to make a decision. They have had this since XXXX/XXXX/16. However, I am told by my attorney that SPS does not follow the RESPA Reg X guidelines/rules. They go by their own rules and have no lied about not having a complete file until XXXX/XXXX/2016. My approval from keep your home california is about to expire while my servicer, stalls and evades making a decision on my loan for a loan modification even though they have now had my complete file ( Prepared by my attorney and their underwriter ) now since XXXX/XXXX/16.
Product: Payday loan, title loan, or personal loan

My wife and I were sold two solar systems by XXXX XXXX XXXX XXXX XX/XX/2022 which was financed by Goodleap. XXXX XXXX arranged for the loans for us. The solar systems have NEVER worked. When we were sold the systems we were promised many things like that the systems would provide enough electricity to totally run my homes 24/7 without using from the grid, NO LIEN on my real estate - they would just get the equipment if payments were stopped, payment to me to pay the first year 's loan payments ( I have not received for one of the systems ), service for the length of the loan, panel replacement if production was less than 78 %, and promised more that is not true. We were asked to " sign '' on the phone and unable to read the contract in detail. XXXX XXXX we contacted Goodleap ( lender ) and requested that they suspend the loan payments until the systems were working correctly. I was told yes, we can help you with that but let me transfer you to another department so you can set that up. When transferred I was told no, we do not do that, you owe no matter what. Several states are investigating XXXX XXXX XXXX XXXX XXXX. My case is being investigated by the Missouri Attorney General. Addresses for the systems are XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. Mailing address is XXXX XXXX XXXX XXXX XXXX XXXX, MO. 

XXXX XXXX XXXX XXXX
Product: Mortgage

I was in deferral due to COVID. I was initially given the option of paying what I owed or adding the missed payments to the back end of my loan. When I wanted to add the payments to the back end of my loan I was told that option was no longer available and I would have to pay a balloon payment at the end of my mortgage of over XXXX or spread out my payment for an exceedingly long time frame. I am XXXX years old and the end of my mortgage will bring me to about XXXX. I am not sure I will have XXXX in one shot at that advanced age. I have spoken with Sun trust on multiple occasions and have made no head way. I made my 1st payment in XXXX ( that was the first payment once the deferment ended ). That went through. Then Sun Trust cancelled the XXXX payment that I had scheduled on line and barred me from making future payments. When I call, I am put in a queue saying I would be called back. The last call back just 20 minutes ago resulted in my answering and they not being on the line. I just want to resume making my payments and continuing on at the end of the loan the extra 12 payments that I missed due to COVID. As of XX/XX/2021 I received in the mail stating that they will not apply that check to my XXXX payments and also my account was placed in default of 10 days ago. They said they will not apply the payment and that they said to bring account current status they will need remit {$16000.00}.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) regarding disputed information on my credit report. Despite providing evidence to support my disputes, Experian has neither corrected nor removed inaccurate and unverifiable accounts, causing ongoing harm to my credit standing.

My experience reflects the systemic issues highlighted in the CFPBs recent lawsuit against Experian, including : Failure to forward consumer-provided evidence to furnishers during dispute investigations.

Acceptance of unreliable or insufficient responses from data furnishers. 
Inadequate notification to consumers regarding the outcomes of their disputes. 

These failures have directly impacted me by leaving unresolved items on my report that are inaccurate or unverifiable. Experians inaction constitutes a violation of my rights under the FCRA and federal law, as it has not conducted a reasonable reinvestigation of the disputed items. 

I am requesting the CFPBs assistance in ensuring that Experian takes immediate corrective action to amend or remove the disputed accounts and complies with its legal obligations to protect consumers. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Product: Debt collection

On Several occasions I asked the title loan company A1 Fast Cash to not call me. I blocked their number numerous times and had to change my number. On XXXX XXXX I received numerous text messages from company and requested they stop. Company ignored me and started sending threats of being in jail and sent messages through group chat with other callers that I did n't know of false warrant documents with my personal information I asked again for this to stop they refused. After research the text they sent was false trying to scare me with fake warrant documents for a county I never lived or been in. The actions on the company behalf does violate me and I would like it stopped.