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

I do not authorize these fraudulent inquiries to be 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX. XXXX XXXX XXXX XXXX This was an XXXX bill that was already removed from my credit report for account not mine.

this account was obviously sold to XXXX  where they reaged it and relisted it. In direct violation of the FCRA.
Product: Credit reporting or other personal consumer reports

This is reference to a CFPB Complaint ID # XXXX I submitted XX/XX/XXXX to TransUnion. TransUnion took longer than allowed 30 days timeframe to respond without filing an extension. I demand that my original dispute mentioned below be deleted immediately from TransUnion credit report : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Notice to Agent is Notice to Principal, and Notice to Principal is Notice to Agent Dear Credit Reporting Agency ( s ), I have reviewed my consumer reports and noticed an alleged late payment has been reported. I am writing to address this inaccurate and incomplete information, as I believe this late payment was incorrectly reported. Failure to Comply with the FCRA and TILA Under 15 U.S.C. 1666b, a creditor is prohibited from reporting a payment as late unless specific procedures are followed, including : The periodic statement must be sent to the consumer with all required information under 15 U.S.C. 1637 ( b ). The statement must be mailed or delivered to the consumer no later than 21 days before the payment due date. I request that you provide proof of compliance with these requirements, including : 1. Proof that the periodic statement was sent to me, including any tracking numbers for mail delivery or email receipt. 2. Confirmation that all required information under 15 U.S.C. 1637 ( b ) was included in the statement. XXXX. Evidence that the statement was mailed or delivered at least 21 days before the payment due date. Without this evidence, the creditor can not lawfully report a payment as late. Accuracy of Information - 15 U.S.C. 1681 ( e ) and 15 U.S.C. 1681s-2 ( 7 ) Under 15 U.S.C. 1681 ( e ), when preparing a consumer report, a consumer reporting agency must follow reasonable procedures to ensure the maximum possible accuracy of the information being reported. In addition, 15 U.S.C. 1681s-2 ( 7 ) requires that the furnisher of negative information must provide specific notices to the consumer reporting agencies before reporting negative information. I request that you provide evidence that the furnisher of the alleged late payment followed these procedures before the information was reported to my consumer report. Request for Deletion If you are unable to provide the necessary proof of compliance with 15 U.S.C. 1666b, 15 U.S.C. 1681 ( e ), and 15 U.S.C. 1681s-2 ( 7 ), I request that you delete the following alleged late payments from my consumer reports : XXXX XXXX XXXX XXXXXXXX I expect that you will fully investigate this matter and provide a response within the time frame required by law. 

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

On XX/XX/2023, I sent a dispute letter reporting to the three Bureaus to seek verification about my credit report. I strongly believe that my report 's information is inaccurate, hurting my credit score tremendously. After a couple of weeks, I received a letter from TransUnion on XX/XX/XXXX stating that I must call to verify, even though I spoke with a representative and was told to write a letter with my ID and utility bill to dispute items. XXXX sent back the results and told me they were going to investigate. And I haven't gotten any written letter back from XXXX, and it's been 30 business days since I sent this letter out to all three bureaus. I've been told by law if there is incorrect information on my credit report, it must be removed immediately. This is hurting my chances of getting my dream house and dream car.
Product: Student loan

I am writing to file a formal complaint regarding my private student loan account with MOHELA-XXXX. I believe I have been misled, and the company 's actions have caused significant harm to my financial situation and credit score. Currently, my account is overpaid and they reporting it as delinquent. 

Background : In XX/XX/2024, I contacted MOHELA to explore options for lowering the monthly payment of my private student loan. During a phone conversation, a MOHELA agent advised me that if I made a lump-sum payment of {$10000.00}, it would reduce my monthly payments to around {$200.00} {$300.00} over the next five years. 
On XX/XX/2024, I paid {$10000.00} based on the agent 's advice, expecting my monthly payments to be reduced to the agreed amount. However, following the payment, MOHELA-XXXX billed me for {$820.00} and then {$540.00}, which is significantly higher than what was promised. 
When I contacted MOHELA regarding this discrepancy, I was told that there were fine-print clauses in the contract that the agent had overlooked. I immediately disputed the billing and informed them that I would not make any further payments until the error was corrected. 

Issues : 1. Misrepresentation : The MOHELA agent clearly misrepresented the impact of my {$10000.00} payment on my monthly billing. I relied on this information in good faith, yet the company has failed to honor the agreement made during our phone conversation. 
2. Refusal to Correct Billing or Refund : Despite my repeated requests to either adjust my monthly billing to the agreed amount or return the {$10000.00} lump sum, MOHELA has refused to take corrective action. I am currently overpaid by {$10000.00}, yet MOHELA continues to bill me incorrectly. 
3. Credit Reporting and Financial Harm : MOHELA has also reported me to the credit bureaus as delinquent, despite my account being overpaid. As a result, my credit score has dropped from exceptional to poor within a matter of months, causing severe and unjustified damage to my financial standing.
Product: Money transfer, virtual currency, or money service

TCF Bank case number :XXXX. On XX/XX/XXXX XXXX My checking account.I made a purchase on line for a money back guarantee fo XXXX  XXXX as seen on XXXX XXXX. The diet pills had a clear ad to purchase at a cost of {$29.00}. Soon after I made this purchase .l seen my checking account was charged {$80.00} + again for {$190.00}. I then talked with my bank and they said : the company was XXXX. I asked the bank to file a dispute as that amount was not authorized by me .The bank said I have to deal with that company myself .So I called that company XXXX XXXX XXXX to put a stop on this order ( next day ). They said it's already shipped. 2 weeks later I got it .I called them for a return address .I then shipped this to : returns and receiving XXXX XXXX XXXX XXXX XXXX XXXX   XXXX CO. XXXX XXXXtheir RMA NOXXXX. Since then I've been dealing with their O.L customer support people by E mail I got confirmation from USPS that it was delivered to them on XX/XX/XXXX. Tracking number is available .Have no Idea why this bank I've been with for a long time won't file the dispute .XXXX XXXX dispute services TCF XXXX XXXX XXXX. Waiting for your reply Thanks
Product: Checking or savings account

In XXXX of XXXX, my then girlfriends car was broken into as we went to play soccer at the banc of California stadium. Her car was broken into with her laptop stolen, clothes on the floor, and glove compartment ( where my card case was ) ransacked. I received not one notification from my bank on text or email. In just 30 minutes XXXX thorns plus dollars were stolen from my account.. this XXXX thousands dollars was money from my insurance to fix my vehicle that had been in the repair shop for 2 months til the date ( XXXX ) I have written letters of intent and sent them through email to XXXX XXXX XXXX who was the point of contact and representative of the company and I also was unable to reach him at times over the years so I contacted the company through XXXX and I was successful at getting ahold of someone. I sent another letter of intent and I got the same letter that I got two years ago with XXXX XXXX explaining that they take no responsibility for this. This Put me over {$5000.00} worth of debt, I was kicked out of my aunts house due to XXXX XXXX sending the police to my house because I said Im just going to kill myself because I felt my life was over. I have never recovered from this still to the date.
Product: Credit reporting or other personal consumer reports

This letter is formal notice that you have failed to respond to my dispute letter as of today. I sent several letters to you disputing the validity of the following accounts on XX/XX/2023 XXXXXXXX XXXX Account number XXXX XXXX. XXXX Account number XXXX XXXX. XXXX XXXX  Account number XXXX XXXX. XXXX XXXX XXXX XXXX Account number XXXX As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since your receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. 
I am aware that you may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I'm sure you'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original request. 

Please delete this erroneous items from my credit report as soon as possible. Best Regards
Product: Debt collection

Disputed debt with all three credit bureaus. 

Never received notification letter to dispute from lvnv funding llc. They have submitted false claims I misses a payment. Damaging my good name and credit worthiness. 

XXXX, and XXXX
Product: Mortgage

I recently reviewed my Deed of Trust and Release of Deed of Trust on my property located in XXXX XXXX Colorado XXXX. In reviewing it I found a Deed of Trust was filed in or around XX/XX/XXXX which was paid. In XX/XX/XXXX all mortgages were paid in full on my property. Using the information from my XXXX from the mortgage company I sent a letter requesting this be resolved. I sent it Certified Return Receipts. On XXXX XXXX the letter was returned marked no forwarding address. The Mortgage Lender in question is Beneficial Finance and Subsidiaries the address listed on the XXXX was in XXXX NY. I also have attempted to reach them via an internet search and the XXXX number listed on the web site goes to an advertising organization. 

I have also found an address of Attn : XXXX, XXXX. XXXX XXXX, XXXX, FL XXXX. 
https XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX as my alarm company, they offered me solar i accepted it they are now damaging my credit which is illegal and a violation of the fair credit reporting act and the fair debt collection practices act.. specifically they are harming me by having a 30 day late on my credit. ( Which is an accurate because the first payment is not due until XX/XX/2022 ) And many harassing phone call Mosaic has violated the following : 15U.S. Code 1681a ( 2 ) A ( i ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1692e ( 4 ) 15 U.S. Code 1692e ( 8 ) 15 U.S. Code 1692e ( 11 ) 15 U.S. Code 1681i ( 5 ) ( A ) ( I ) 15 U.S. Code 1640 ( 2 ) ( A ) ( I ) 15 U.S. Code 1640 ( 1 ) 15 U.S. Code 1640 ( 2 ) ( B )
Product: Debt collection

On XX/XX/2019, I paid off my account for {$170.00}. By the end of the same month, I was billed for {$180.00} twice. I called after a week to dispute the charge and was told that I will receive a check through the mail after 2 weeks. Its been 2 months and I still havent received anything. I called several times and was told that accounting department is already closed. My issue has not been solved and the agents that I spoke has not done anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B, states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$450.00} XXXX/XXXX   XXXX {$3200.00} XXXX XXXX {$4300.00} XXXX XXXX XXXX {$120000.00} CHAPTERXXXX  BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTERXXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifix is reporting me late on both of my student loans after I paid them off. These marks are ruining my credit. They are reporting me late 90 days 28 times. 28!!!! TIMES They agreed to remove these marks if I paid them. I have tried to contact the lender but they just give me a different address every time I try and contact them. I attached Equifax images showing 28 90+ day lates and all the addresses they use so they never respond to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been furnishing an inaccurate account on my credit file for over 2 years.. I have called, complained, disputed, faxed documents, and even contacted the furnishing company ( whom mailed them a letter, stating that account is not mines ).. They still havent removed it yet.. the account is a hard inquiry that reads : XXXX XXXX this inaccurate information be removed without prejudice expeditiously..
Product: Credit card or prepaid card

I had a credit card balance transfer rate with Comenity Bank Mastercard with 0 % interest until XX/XX/XXXX. I paid this balance off on XX/XX/XXXX before the 0 % promo rate expired. In fact, I overpaid this account by {$100.00} and they sent me a refund check for the {$100.00} on XX/XX/XXXX. 
They then decided to start charging me interest and late fees after the account was paid off and had a {$0.00} balance. 
I have correspondence with several customer service reps from the bank. One agent took off the {$28.00} late fee and another stated he would XXXX  my account out however this still hasn't happened. ( see attached email stating he would XXXX  out my account ). 

In turn they are calling me, texting me and harrassing me for having a {$30.00} balance which I do not owe. 

I have called numerous times and get nowhere. I don't need this mark on my credit report. 

I am attaching a copy of my XXXX statement of a WARNING NOTICE in RED that states I need to pay my balance of {$1700.00} by XX/XX/XXXX or I will be charged interest. It will show on my XXXX statement ( also attached ) that on XX/XX/XXXX I made a payment of {$1800.00} ( {$100.00} more than I owed ) and that on XX/XX/XXXX the bank sent me a refund and also charged me interest, even though the balance was paid off on XX/XX/XXXX, 4 days before the promo 0 % interest rate expired. 

I am also attaching the email from the agent who said he made my account balance {$0.00} however that is not the case.
Product: Debt collection

My rights have been violated in relation to an account on my credit report. 
XXXX XXXX XXXX  XXXX Have you heard of 15 U.S.C Sec 1681 ( a ), if you can not provide proof this account is 100 % accurate then this account must be deleted. Please provide me with the original contract that I signed with my wet signature if you can not then It must be deleted from my credit report. I dont believe the information on the account is 100 % correct and needs to be deleted. 

15 U.S.C 1681 Section 602 A - I have a right to privacy.

15 U.S.C 1681 Section 602 A Section 2 - A consumer reporting agency can not furnish an account without my permission.
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. 

XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXXXXXXhas 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: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR YEARS MY FREE ANUAL CREDIT REPORT FROM EQUIFAX, THEY REFUSED INSTEAD REQUEST A MONTLY PAYMENT TO GET ACCES TO MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries on credit report. 
1. XXXX XXXX XX/XX/22 2. XXXX XX/XX/22 3. XXXX XXXX XX/XX/22 4. XXXX XXXX XX/XX/22 Reported these fraudulent inquiries to Federal Trade Comission Report # XXXX Report # XXXX Report # XXXX Report # XXXX
Product: Mortgage

I was able to make my payments ahead. I no longer can do this. Ability to pay ahead in case of emergency is why I used LoanDepot for my mortgage I was assured that I could pay ahead and did so until XXXX 2023 Then they said I could not pay ahead anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, Please see attached and below - I am unable to log into my account online.

I have tried calling your phone number and you make it impossible to reach anyone with all your prompts that do not work.

1 ) I want to be able to log into my Experian account online at www.experian.com 2 ) I want my Experian account to be a free account.

As of right now - I am not able to login online.

Please resolve as soon as possible. 

Attached are my drivers license, social security card, and address.
Product: Debt collection

I took out a loan with XXXX XXXX for {$1000.00} XX/XX/2016. I became delinquent on the loan. I recently pulled a credit report and found that I had a collection account reported on my credit file from Plaza Services. I never received any communication from Plaza Services that the debt was being handled by them not any information on how the amount got to {$1700.00}. I contacted Plaza Services who advised that they sent a notice XX/XX/2016. I advised them that I never received any communication.
Product: Credit reporting or other personal consumer reports

I am contacting you to dispute fraudulent items on my credit report, which I believe have been added illegally. Pursuant to 15 U.S.C. 1681c-2, I am requesting that these inaccurate items be blocked promptly. Attached is a copy of my Police XXXX XXXX Theft Report Number XXXX, which provides the evidence of clearly fraudulent credit reporting. Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, consumer reporting agencies are required to block the disputed information within four business days. The following entries on my credit report are associated with this identity theft and must be blocked. 

I am writing to certify to you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND INQUIRIES from my credit report with transunion : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Initially, Coinbase restricted access to my account and requested identity verification, a process I completed. However, subsequent to verification, my account remained under review for an extended period of 6 months without resolution. Upon inquiry, Coinbase alleged a duplicate identity associated with the account and advised me to open a new account, complete verification. after which coinbase would transfer the funds from the old account to the new account. In compliance with Coinbase 's directive, I created a new account, underwent the verification process once more, and awaited the transfer of funds. 
However, both the old and new accounts were subjected to manual review simultaneously. Coinbase then communicated that maintaining two accounts is not permissible and instructed me to delete the duplicate account. Despite seeking clarification on which account to delete, given the ongoing review and pending fund transfer, Coinbase failed to provide specific guidance and reiterated the instruction to delete the duplicate account repeatedly. Frustrated by the lack of clarity and resolution, I opted to delete the new account as a proactive measure and informed Coinbase accordingly. Regrettably, despite this action, the original account remains under manual review, and I have not received any further correspondence from Coinbase. Subsequent attempts to seek updates on the review status via multiple follow-up emails have gone unanswered. This predicament has caused significant inconvenience and financial distress to me. Case ID is XXXX XXXX XXXXXXXX.
Product: Student loan

Everytime that I call Navient I get a different response, I 'm trying to lower my payments, twice they have forbereance my account and add interest to it at the end of forbearance also I tried the IBR program which it said for 10 years but then they sent me letters that I need to reapply every year after the forbearance is over and the payment is way to higher that I cant afford.