23daVinci/CFPB_Complaints huggingface dataset:
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. There are items on my credit file that are erroneously reported. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that 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, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$810.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$630.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$730.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$730.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$290.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX is listed as a derogatory items on my credit report. XXXX XXXX XXXX XXXX is reporting wrong information on my credit report for a debt that was paid in XXXX 2015 in flagrant violation of the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX is reporting a rating of XXXX on a scale of XXXX on my credit for a debt that was paid off in XXXX 2015. It is a wrong credit rating because the debt was paid off. XXXX XXXX is intentionally reporting wrong credit information on my credit report and it has negatively affected me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX XXXX XXXX  } { Credit Bureaus : ALL XXXX } { XX/XX/XXXX RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XX/XX/XXXX } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX XXXX XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX XXXX  ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Vehicle loan or lease

This matter is complicated. I used XXXX XXXX  ( Now First Investors ) as a refinance bank to pay off XXXX XXXX, and thus XXXX XXXX   became my new lender and lien holder on my non negotiable title in Oklahoma. 

The problem is that XXXX ( First Investors ) failed to fill out proper paperwork with the OTC to have XXXX XXXX removed, while they added themselves ( XXXX XXXX ). What is also horrible is that XXXX XXXX claimed to have sent XXXX a lien release when XXXX Paid them off ( XXXX XXXX ) on XX/XX/XXXX. I have issued separate complaints for both lenders through the CFPB. 

Now I have two lien holders on my title when actually, both ( XXXX and XXXX ) should have been removed once the vehicle was paid off on both of their ends. XXXX was paid off in XX/XX/XXXX, and XXXX XXXX  ( who transferred their auto loans to First Investors ) was paid off in XXXX of XXXX. I am unable to receive a clear title, free of liens because these two lenders refuse to process the proper paper work. 

How can you pay off a vehicle and still have lienholders on your title? Oklahoma is not a title holding state and they do provide your title with lienholder if you still have a balance on your loans. The lien holders are responsible for clearing this up with the OTC ( Oklahoma Tax Commission ). Please investigate this complaint and advise XXXX and XXXX to comply with Oklahoma law and remove themselves from my title. 

XXXX ( First Investors ) also needs to forward SIGNED and valid lien releases from themselves, and XXXX who sent to them after the XX/XX/XXXX payoff. 

XXXX should not be listed as a lien holder since they were paid off in XXXX, and this is considered FRAUD! First Investors isn't even listed on my title. They never submitted anything to the Oklahoma Tax Commission removing XXXX and XXXX from my title. Aren't First Investors a loan Servicing company, yet they have not done their job, according to the Oklahoma Tax Commission and this is also fraud and deceptive business practices. They provide me with an UNSIGNED lien release, which is also fraud. Why are the lien releases unsigned? Why did they send me unsigned lien releases which was rejected by the local tag agency? This is ridiculous.
Product: Money transfer, virtual currency, or money service

I live in XXXX XXXX, and we own solar panels that were installed on our home a few years ago by a company called XXXX XXXX, this company is wonderful. My familys complaint is with Sunnova, the company that financed the solar panels for us. We had no issues during the first couple of years of our business relationship, but in XXXX of XXXX when I logged into the state exchange to sell our solar credits for cash, I found out that something was broken in our system. 

We had generated XXXX XXXX from the beginning of XX/XX/XXXX through the end of XX/XX/XXXX. The going rate of XXXXXXXX XXXX  of energy in XXXX for me was {$220.00} per credit, meaning that my wife and I, as well as my XXXX XXXX children are owed {$2400.00}. I called XXXX XXXX and they sent someone out to see what was wrong with my system, and figured out that an inverter was broken and needed to be replaced. When that was replaced, my old credits disappeared with the inverter. 

Additionally, the inverter breaking meant that even though we were generating solar energy every day, my XXXX XXXX panel showed XXXX XXXX generated for the months of XX/XX/XXXX through the end of XX/XX/XXXX. 

XXXX XXXX officially replaced the inverter on XX/XX/XXXX, and on XX/XX/XXXX, I reached out to Sunnovas customer service via email, formally trying to file a loss of production claim. The terms of my signed contract with Sunnova are quite clear that they are the provider and that they would provide a loss of production guarantee and that this would be within the 30 days. 

I have received specific promises over the phone and via email from customer service and resolution specialists who start off making me feel like this is going to be resolved soon, to then reverse course with weeks of ignoring my phone calls and emails. 

They approved {$920.00} on XX/XX/XXXX, for the XX/XX/XXXX XX/XX/XXXX production case. I have asked repeatedly where this money is, and I keep getting ignored or told things are still pending. Earlier this week, I got conflicting emails from two different agents at Sunnova : one told me my case was closed and another it was still pending! 

It seems that Sunnovas strategy is to wait until I surrender, which I have assured them I have no intention of doing, which is I why I reached out to the CFPB. I had hoped it wouldnt come to this since my wife and I pay them on time every month and have contract with them for just under {$35000.00}.
Product: Credit reporting or other personal consumer reports

I disputed XXXX XXXX XXXX an Equifax claim they investigated this account, and this account was deleted from my consumer report! A month later this account happen to appear back on my consumer report. I spoke to equifax regarding this matter, and they assured me that this account will be removed from my report! This account is still showing on my report. I have attached a copy of the equifax report that show when they claim they conducted a investigation, and it was deleted from my report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I have an account that is not correctly reported I filed a complain with you guys about this already, this is the XXXX time am filing a complain about this same account and you keep saying the information you have is valid which is not true. 
This account has been paid off. 
Account Name : XXXX XXXX Account XXXX you have this account as closed with a balance of {$3700.00} but this account is fully paid-off and balance on it should be {$00.00} I need you to do your jobs properly, re-investigate this account and attach your findings and the company that provides the information to your investigation because this is the XXXX complain am making and i even provided proof of account reflect {$00.00} but you still insist your information is accurate Send me your findings and company that gives you this information for you to keep insisting that its accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX  # XXXX, Account name : XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

After logging onto MOHELAs app today XX/XX/2023, I was requested to fill out an IDR application. Yesterday, XX/XX/2023 I had filled out an IDR application with the Federal Student Loan website. 

In attempting to fill out this paperwork, MOHELA requested the adjusted gross income of myself and my spouse SEPARATELY. However, as I chose on the form, I file my taxes married jointly with my spouse. This means, as should be obvious from a very common federal form, I only receive a single adjusted gross income for my spouse and myself. There is no way to provide this information, there is no explanation for how it is supposed to be filled out on MOHELAs website. 

When I called MOHELA customer service, it took XXXX minutes of menus to get to a live human being. When I spoke to this customer service representative they suggested that I fraudulently represent that my adjusted gross income and my spouses was the SAME, i.e. that our joint adjusted gross income was jointly double what it actually was. Upon pointing out that this would be inaccurate, I was put on hold for another 20 minutes only to have my call dropped without a call back or explanation of what I am supposed to do. 

After this I tried to send a electronic message to the company. Instead of accepting and sending the message, MOHELAs website erased the message and signed me out. I do not have the time in the day to deal with their incompetence on this level. MOHELA needs to make a site that works and customer service that meets the bare minimum level of competence.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Request for Immediate Removal of Incorrect Late Payment Reporting on XXXX Account Under 15 USC 1666b To Whom It May Concern, I am writing to formally dispute a late payment entry on my credit report related to my XXXX  account. This entry is incorrect and should be removed immediately under the provisions of 15 USC 1666b, which governs billing errors and disputes.

According to the Fair Credit Billing Act ( 15 USC 1666b ), creditors must acknowledge and correct any billing errors brought to their attention within the prescribed timeframes. I have identified that the late payment reported by XXXX is erroneous and damaging to my credit report. 
I respectfully request the immediate removal of this late payment from my credit report. Should this issue not be resolved promptly, I will have no choice but to escalate the matter through legal channels, as this inaccuracy is adversely affecting my creditworthiness. 
Please confirm receipt of this letter and provide written acknowledgment of your actions to correct this error. I look forward to a swift resolution to this matter. 
Thank you for your prompt attention to this urgent issue. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response and this was my many attempts from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of and kindly help me to delete these Charge off and late closed accounts : XXXX XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. XXXX XXXX XXXX XXXX Owed : {$2900.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 
XXXX XXXX Balance Owed : {$160.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. XXXX XXXX XXXX XXXX : {$560.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Mortgage

Rushmore Loan Managements Loss Draft reimbursement process has intentionally delayed reimbursements payments for many weeks to months multiple times. The most recent incident is as follows. 

XX/XX/XXXX three paid in full invoices were submitted for reimbursement and I requested a final inspection. 
XX/XX/XXXX a final inspection report of our home confirmed repairs were 100 % complete. 
XX/XX/XXXX I contacted the company to express concern to the failure to reimburse. 
XX/XX/XXXX I followed up as no reply to the above was received. 
XX/XX/XXXX a claim administrator contacted me to say that although the invoices were in their possession for 8 weeks, verbal confirmation of payment in full was needed. One vendor was reached. I contacted the second vendor and asked them to confirm payment in full. That vendor had no voice message to demonstrate an attempt by Rushmore to confirm payment. The vendor confirmed with me that they called and left a message confirming payment in full. 
XX/XX/XXXX I contacted the company again to request reimbursement. 
XX/XX/XXXX a third vendor confirmed payment in full. 
XX/XX/XXXX a partial reimbursement was received. 
XX/XX/XXXX I receive a call saying the final reimbursement will be processed and the process may take two weeks, plus based on previous reimbursements, three weeks to mail.
Product: Debt collection

I have filled on Experian several times, the last time XX/XX/2021 to have the account XXXX XXXX XXXX to be removed. It is not my account nor I have knowledge of the account. On my credit report it has the account is charged off {$1.00}, XXXX written off {$1.00}, XXXX past due as of XX/XX/2021. 
On my accounts I have never made a late payment. I should not be liable for an account that is not mine.
Product: Credit card or prepaid card

Reviewed my credit report and is showing Comenity as reported balance of {$6200.00} with all National Credit Bureaus.
Product: Debt collection

Since of XXXX I've been contacting them so I can pay my debt. I have offer to pay XXXX XXXX  monthly that's what I can afford then I've offer to pay {$1000.00} but been denied and they never contact me to let me know. Then on XXXX XXXX XXXX I've {$2000.00} and still refused. The manger was very rude and quick with me didn't even let me talk much or even explained myself at all. I had to tell them I have to bring a lawyer to this since then they don't contact me but when I contact, they are refusing my offer.
Product: Credit reporting or other personal consumer reports

Ive made several attempts to this company to stop reporting innacurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous innacurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that XXXX, transunion, equifaxASSUMED this VITAL role pursuant too 15 USC 1681 ( a ) ( 3 ). Also, XXXX, transition, XXXX failed to be fair and repect my privacy according too 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. XXXX, Transunion, and XXXX is in violation of several federal laws including responsibility they have to protect my privacy. Im giving XXXX the oppurtunity to make this matter right by way of the following ; REMOVE ACCOUNTS, REMOVE LATE PAYMENTS, REMOVE INQUIRIES, REMOVE INNACURATE PERSONAL INFORMATION,
Product: Debt collection

I received a parking ticket notice for my daughters car which I cosigned for. They don't mention my daughter 's name once. The letter is supposed to be from a debt collector. It is supposedly signed by an attorney. There address is to a XXXX XXXX in MA. XXXX XXXX XXXX XXXX MA. According to the XXXX, XXXX XXXX XXXX, Age XXXX Lives at XXXX XXXX XXXX, XXXX, MA XXXX. Not Collect Park, the name of the company that sent the letter. They have an XXXX number. XXXX, I called and got a sketchy answering machine, but it did identify as collect park. There is so much fraud going on today that I think this letter is a scam. I did not pay them anything. Their website they want me to pay at : XXXX XXXX XXXX looks fishy too. I have gotten legit collection letters before and this looks nothing like those.
Product: Credit card

I have no knowledge of this account. It shows on my credit report XXXX different times with XXXX different amounts. I have no clue what it's for or who the company even is. I have tried and tried to get information on this to figure out what it is to no avail. I have also tried to dispute it to have it removed as I have no clue what is it, with no help. Please help me get these removed from my credit report