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

I took out a loan in XX/XX/XXXX, my payments are {$810.00}. and some change. I have made payments since. I had a deferred payment for two Months XXXX and XXXX of this year the payments resume for the Month of XX/XX/XXXX. I Made a {$490.00} payment in XXXX towards my Principal. XXXX I paid {$810.00} for the regular monthly payment. XXXX, I made a regular monthly payment. They took the two regular Monthly payments of {$810.00} and put it towards the interest and said because I paid early that's what they are suppose to do. I make my payments earl to all my Bill 's  because I like to get them out of the way to budget my money. They are reporting XXXX. On there website when it should be less than that and they are reporting messy up my XXXX score reporting XXXX. If I took out a XXXX dollar loan in XX/XX/XXXX and been making payments faithfully and its showing that amount that means I have never made a payment on this loan which is crazy!.
Product: Student loan

On XXXX XXXX, I received a notice from Pennsylvania Higher Education Assistance Agency also known as FedLoan Servicing, that my account was over 60+ days past due. This was impossible as I have made a payment the same time each month. It was on an autobill pay from my account. When they finally discovered the issue it was determined that they misappropriated my funds to pay a debt that were in a administrative forbearance. As a result they were submitting a ticket to correct the issue, it was now XXXX XXXX, and the issue is not resolved and I am continuing to get notice of a my account being past due. I was contacted by a credit agency regarding this past due amount that was not past due. This is in violation of a multiple consumer debt protection laws. The Pennsylvania Higher Education Assistance Agency response your request is still pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I received notification from Equifax credit bureau of a collection item being placed on my credit report. The collection item was from XXXX XXXX XXXX for XXXX being represented by XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I never received a notice from XXXX XXXX XXXX about this debt, and was not given 30 notice to dispute the validity of it. 

The information has not been verified, thus inaccurate, erroneous, non-verifiable when I called the collection agency, but it is being report on report. Equifax is reporting this inaccurate information on the status, account, date open and closed, amount, payment history etc.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

The mortgage on my residence has been serviced by XXXX XXXX  since XX/XX/XXXX. Since that time, all payments have been made on time, and there has been no default of the loan. 

On XX/XX/XXXX the comaker on my mortgage filed a XXXX  XXXX bankruptcy case. Payments have continued to be paid on time. On XX/XX/XXXX XXXX XXXX  generated a letter that I received advising that negative information was provided to the credit reporting agencies. Within the next month, each of the credit reporting agencies reported that my mortgage was paid and there was no longer a balance due for the account. This was far from the actual facts. I have contacted XXXX and was directed to a representative that handled accounts that were involved in a bankruptcy. I was advised the even though I was not involved in the bankruptcy that the account for their purposes was coded as in bankruptcy. Furthermore, I inquired about having accurate information reported to the credit bureau agencies with regard to the credit report. Additionally, I was advised that they would not report updated information until a time that the comaker on the loan had completed their payment plan. The mortgage is not XXXX of the accounts that is being paid within the XXXX  XXXX plan. 

After that time, I filed disputes with each of the credit bureau agencies concerning the information reported by XXXX Bank. After the investigation by XXXX XXXX, they deleted the account from the bureau. I called XXXX XXXX and the representative advised they could not help, and I would need to have XXXX XXXX  report information to have the account listed on my bureau. Equifax conducted a review of my dispute, but at the end of the investigation did not update any information. The same was the case with XXXX. 

By XXXX XXXX  not reporting information on my mortgage to the credit reporting agencies, this has resulted in my credit score decreasing by approximately XXXX points.
Product: Debt collection

Midland credit Management is stat ing I owe on a  XXXX   XXXX  Bank account in which I have not had. This account was fraudulently opened by someone other that myself. I have had issues in the past of identity theft and ask that since this debt is not mine that it be removed from the credit reporting agencies ASAP
Product: Mortgage

I requested a loan modification and Selene Finance kept on denying my loan. For the Nth time i submitted my loan modification application, They added the escrow which made my payment raised to {$5300.00}. In XXXX they raised it again to {$6400.00} which they claimed that they added a cushion amounting to {$1100.00}. I also applied for a refinance with another lending company. We submitted a 'Pay-off request on XX/XX/23. The pay-off according to them will take 3-5 business days. I called on XX/XX/23, XX/XX/23 and just earlier I called to follow-up. The lady XXXX of Selene Finance gave me the XXXX XXXX phone number which is XXXX. I called that number and spoke to XXXX. XXXX confirmed to me that there was no modification, or any negotiation forwarded to them. She also told me that there was no 'Pay-off ' requested at all even in the prior week or months. They clearly are not do anything to do negotiation, they lied to this Bureau and they lied to me.XXXX  's direct line is XXXX ext XXXX. You can confirm to her that there was nothing done on my case.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX  we signed up for solar panels and had to take a loan with Dividend to pay for them. We were told we would get a large tax credit of something like {$15000.00} that we could apply to the loan and our payments would be less than {$300.00} a month. Well, we didn't get anywhere near that much. We got very little back. So we've been paying almost {$500.00} a month all this time. We'll, at first everything seemed OK. We got an electric plan that paid us decently for the w energy we produced. So our electric bills were very, very small. Well now it seems those plans that actually pay you for your energy all went away or they offer only a XXXX or two for the energy we produce. Additionally we've had lots of problems with the equipment. We've had an inverter go out twice on us. The installer we originally purchased from has gone bankrupt. So our 20-year warranty is now worthless. When an inverter goes out it takes months and months and months to get a replacement and then we have to pay someone to install it. Meanwhile we aren't producing any energy. Our electric bills are routinely {$500.00} a month now. We can't afford that plus the almost {$500.00} for the solar panels which barely do anything for us. I feel like we were misled about the original terms and the tax credit. I feel like our contract has been breached because the warranty is worthless since the company went out of business. We don't have recourse against anyone for a system that's barely functioning. I want nothing more to do with this solar mess. It has just cost more and more and more money when I thought it was going to save us money. It was all lies.
Product: Credit reporting or other personal consumer reports

I am not linked to these inquiries or the specified creditors.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach that has resulted in identity theft. I am formally requesting that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

My husband and I XX/XX/XXXX XXXX XXXX and Prestige Financial XXXX, UT XXXX was our lien holder account number XXXX. We purchased the car in XX/XX/XXXX. I was in a accident the person that hit my car had XXXX insurance. XXXX gave me a list of companies that guarantee there work here in XXXX, Il so I choose XXXX XXXX. We originally owed XXXX on the car and the damages was XXXX the car was fixed and about 1 year later the car stopped so I called XXXX and they came and towed the car I was told that the transmission went out and the car had XXXX miles.At that time we could n't afford to get the car fixed and make the payments. We informed Presitge, the car ended up being sold to XXXX. We never received a certified letter saying the car was going to be sold. According to Illinois repossession and legal aid they should have done commercially responsible resale which goes under section 810ILCS 5/9-625. Prestige should have sold the car in a auction or made it public instead they sold the car to Prestige Financial for a lower cost instead of the highest bidder. Prestige Financial took us to court and we were not able to go to court so there was a judgement of XXXX against my husband and I. Which we only owed XXXX to began with. I do n't think it 's far that Prestige gets XXXX from us and they sold the car a car that we will never have. Prestige has also been garnishing my husband pay checks
Product: Credit reporting, credit repair services, or other personal consumer reports

****SEE ATTACHMENTS PLEASE**** For the last few months, I pointed out couple of errors, misleading, incomplete and multiple inaccuracies how my name are mixed misspelled, wrong addresses, inconsistent with several accounts and Ive asked that you investigate and delete. These accounts are not verifiable under section of 609 of FRCA and therefore I need them all DELETED effective today. 

The only name, address, social security number and date of birth that should be reported on my credit profile are the ones listed above and in the documents attached with this letter. Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. I noticed errors with my personal information, misspelled of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. This is big issue for me, and I believe any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

data breach caused the FTC violation fcra not know to me to the best of my knowledge XXXX XXXX XXXX XXXX accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2022 I sent a letter to Transworld Systems Inc. asking that they send me written verification that I owed them a debt that they claim I owe. I asked for a written signature that said that I owed them the amount they said that I owed. 

On XX/XX/2022 I received a letter from Transworld Systems with a letter stated that they had reported my debt as " in dispute '' to the credit reporting agencies. Furthermore they failed to provide me with the proper documentation that I asked for instead I was provided with a lease agreement from who they are claiming is the original creditor this is not proper validation nor what I outlined in my dispute letter. Lastly they have refused to remove the item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I am very disappointed. REMOVE IT ASAP.
Product: Credit reporting or other personal consumer reports

There are XXXX Loans on my report that are not 100 % accurate. These are continuing to report on my credit report in violation of the FCRA. I am being ignore as a consumer and now my report keeps showing this false information.
Product: Student loan

I am part of the XXXX XXXX XXXX lawsuit and settlement I went to XXXX online XXXX XXXX Case # XXXX I have only had {$9200.00} discharged when in fact I should have {$20000.00} discharged if you actually look at my case you will see the loans. I also have not been refunded the payments I made on these loans You are a member of this group if you are a Class Member who submitted a XXXX XXXX application relating to a school or schools on this list ( often referred to as the Exhibit C list ). If you are in this group, then on or before XX/XX/2024, you will have the outstanding loans that were the subject of your application fully discharged, will receive refunds of any amounts you previously paid to the federal government toward those loans, and will have the credit tradeline associated with those loans deleted from your credit report ( Full Settlement Relief ).
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS ARENT MINE, NEVER AUTHORIZED THOSE ACCOUNTS TO BE OPENED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I currently have credit membership with XXXX XXXX XXXX and they charge {$19.00} a month. EXPERIAN *CREDITREPORT - XXXX, CA to my credit card. I tried calling them several times, they have a automated system to cancel my services but the automated system says I don't have membership and hangs up the call. They have no way to contact live person to resolve this. I have tried numerous numbers. I honestly believe this is fraudulent attempt by them to discourage people and keep billing people for services. There is no option to talk with anyone. There is no way to cancel these services online. They should be investigated.
Product: Payday loan, title loan, or personal loan

I applied for an account at XXXX XXXX for furniture. The store rep XXXX verified that they use XXXX to run any credit requests through American First Finance. My XXXX FICO is XXXX, my monthly gross is {$2900.00} ( {$2700.00} net ), my annual is {$38000.00} and my fianc makes $ XXXX/month. I have the credit and we have the income, yet I was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

early XXXX this year, XXXX XXXX XXXX  offered a consolidation loan to its members. I responded to them. Thereafter, I received an adverse action notice from XXXX, a Division of Banco Popular de Puerto Rico. I replied to them saying I did not apply for a loan with them. 
They sent me a response which had documentation attached which I was to complete and send to them. The letter continued with " an inquiry may have been initiated by XXXX into your credit profile. '' I replied that I would contact CFPB directly about my complaint as I was not comfortable completing documentation with private information and sending to XXXX or XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL. XXXX.
Product: Debt collection

I am writing to bring to your attention a matter of utmost importance concerning my credit report. After thoroughly reviewing my credit history, I have discovered several discrepancies and inaccuracies that suggest a case of identity theft. I request your immediate assistance in rectifying this situation. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions that have appeared on my credit report. I promptly reported these fraudulent activities to your bureau and submitted all the necessary documentation and detailed explanations to support my claims and establish my innocence. Below are the details of the discrepancies I have identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my identity theft report to authenticate my claim. I am requesting that you immediately close the fraudulent accounts listed above. I understand the seriousness of identity theft and its impact on both the victim and the creditor. I expect your full cooperation in resolving this matter promptly and professionally.
Product: Credit reporting 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect.

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.

According to 15 USC 1681i ( 5 ) Section States no 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. they are supposed to modify accounts that aren't reporting correctly.

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 or other personal consumer reports

Please remove these inquiries. I don't have any knowledge regarding this and the company did it without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do my fico credit scores differ from one another on the XXXX XXXX app, the XXXX XXXX XXXX, from XXXX, XXXX, XXXX XXXX, Experian, XXXX  and XXXX? I have been working on building my credit since XX/XX/2020. They are all installment loans that help build credit!!
Product: Debt collection

THIS COMPANY IS STATING THAT I HAVE A BALANCE IN WHICH I RECIEVED A LETTER FROM XXXX STATING THAT MY BALANCE HAS BEEN PAID AND XXXX HAS RECIVNED MY BLANACE OWED THAT WAS NOT EVEN THAT {$100.00} BALANCE THAT THIS COMPANY STATED. I CALLED XXXX AND THEY STATE THAT THIS WAS NOT MY BALANCE {$100.00} THAT WAS OWED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint again to request the following account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - This account is not charge off to me. My record shows that this account was Paid as agreed and Balance is 0. Please correct or remove this account immediately.
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. 

US DEPT OF EDXXXX XXXX US DEPT OF EDXXXX XXXX DEPTEDXXXX DEPTEDXXXX-900000xxxXXXX DEPT OF EDXXXX DEPT OF EDXXXX US DEPARTMENT OF EDUXXXX US DEPARTMENT OF EDUXXXX 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: Debt collection

From XXXX all times of day into evening, going on for months, did not leave messages till this week. Said they are national enterprise a debt collector. You must call back etc. We do not owe anyone. 
Please advise
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  Account Number : XXXX has violated my rights. Or list of inquiries 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.