23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

We bought a house back on XX/XX/2022 and were told we needed to take over the XXXX loan with GoodLeap. We asked many times for all the solar information as far as warranty, loan interest rate, term, and other details on the solar companies invloded. GoodLeap did not want to provide us ant information or documentation until we applied and got approved for the loan. At that point they said they would give us the information on the solar contract etc. We signed up with Goodleap and afterward asked for the warrenty information on the solar and interest rate on the loan. They then informed us they do not handle the warranty information for the other solar company that installed the solar panels and we had to get the information from them. We then found out the waranty could not tranfer to us even though goodleap said it could and that they would provide this information when we took over the loan. XXXX XXXX XXXX is the partner with GoodLeap. Good leap also changed the interest on us after we were approved to a higher rate saying we need to have the same rate as the past owners of the loan. We were not disclosed any of this information prior to us applying for the loan with Goodleap. I feel this information was withheld from us to get the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all three credit bureaus disputing the late payments on XXXX XXXX on XXXX XXXX, 2020. The credit bureaus are reporting different months I was late on all three credit reports which are inaccurate. I have never been late on my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Home Depot Credit services multiple times to correct an error on my credit report. The facts are these : The dispute in question is late payment due on XX/XX/XXXX 0f {$430.00}. FOUR DAYS later, I made a payment on XX/XX/XXXX of {$300.00} and the balance of {$170.00} on XX/XX/XXXX, completing the full payment EIGHT DAYS later on XXXX/XXXX/XXXX. Not more than 30 days when a report to the credit bureau would be in order. Home Depot did not credit my account until XXXX. 
I have provided my bank statement to Home Depot proving the funds have been received by Home Depot on XX/XX/XXXX. Home Depot statements confirm the payment was made on XXXX, but they will

not remove the late payment from the three credit bureaus. It is the only mark against my credit. I have contacted the three credit bureaus on XX/XX/XXXX with a copy to Home Depot to rectify the problem, Yesterday, XX/XX/XXXX I received notice from one of my credit reporting agencies ( not Home Depot ) that Home Depot dropped my credit limit from {$16000.00} to {$5000.00} which negatively my credit score. I closed my account with Home Depot today XX/XX/XXXX. 
The issue with the late payment on the three credit bureaus has not been resolved.
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS THAT DO NOT BELONG TO ME. THEY ARE FRAUDULENT AND NEED TO BE REMOVED FROM CREDIT REPORT. PLEASE REMOVE ACCOUNTS. I HAVE SPOKE TO THE CREDITORS AND THEY HAVE NOT DONE ABSOLUTELY NOTHING. ITS BEEN OVER XXXX  MONTHS PLUS AND NO RESPONSE. MY INFORMATION IS REPORTING INCORRECTLY ON EACH BUREAU.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

Item : XXXX XXXX XXXX  Account # XXXX Reason : NOT MY ACCOUNT It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within the 30 day period constitutes reason to immediately delete this item from

my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this
Product: Credit reporting or other personal consumer reports

Time share has been cancelled and I submitted proof of cancellation and experian would not remove it. If XXXX is the one who sent the letter of cancellation then why is the report not getting removed from my credit history? I would like this removed asap! XXXX and XXXX already removed it but experian is the only one giving me a hard time. Please help me get this resolved.
Product: Mortgage

LoanDepot charged for insurance for XX/XX/XXXX to XX/XX/XXXX. Proof of insurance was provided via email on XX/XX/XXXX. A partial amount of XXXX was refunded on XX/XX/XXXX but remaining amount of XXXX was not refunded till XX/XX/XXXX. This company kept money for no reason and did not provide any explanation. See document XXXX Also insurance purchased back in XX/XX/XXXX has not been refunded even when insurace company provided an invoice to them in XX/XX/XXXX ( see page 7 of document XXXX ). The invoice was sent directly to loandepot which they did not pay and purchased their own insurance. 


Company has been sending letters saying address is not correct on the insurance policy but they have an error in their systems where address is being truncated due to 30 character limit. they are also threating purchase of insurance due to this address issue. This is a deceptive practice. Company is also not paying the insurance company directly and has never paid them- they are not honoring the committments of the escrow account. they automatically purchase third party insurance routinely. Attaching insurance policy provided to them in XXXX which has correct property addess ( Page 5 ). - document XXXX Recently letter were received again saying property address is incorrect and notice that insurance will be purchased for me even after providing proof of insurance w correct address. See document XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had multiple late payments on an account that I was in fact paid on time. Consumer reporting agencies need to report all information accurately. this account has not been late on payments ve attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I'm now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action
Product: Student loan

My monthly loan payment increased significantly, but I feel stuck at that payment level because I am trying to take advantage of the 10 year Public Service ( XXXX ) repayment plan. My interest rate is also stuck at a ridiculous rate of 6.8 %, and the amount I pay each month makes other bills difficult for me and my family. FedLoan arbitrarily decides for me that paying almost {$500.00} per month is doable. I am now going into more credit card debt because of these higher payments, and I was told that a {$450.00} rent increase would not factor into this payment increase whatsoever. This is unfair.
Product: Debt collection

On XX/XX/XXXX, I pulled my credit report and discovered that my credit score with XXXX was XXXX had decreased by XXXX points bringing it down from good to fair at a XXXX credit score due to the inaccurate information that I, C, System, INC collection company is reporting as a debt owed to them of {$440.00}. Based on my credit report XXXX is the original creditor. This information is inaccurate. In XXXX I had XXXX XXXX  here in XXXX XXXX  when I was staying at an apartment complex called XXXX XXXX Upon moving to another apartment complex upon my lease expiring in XXXX, I went to XXXX XXXX  XXXX  turned in the cable box to the customer service representative at that time and had the account closed. Here it is approximately 15 years later and this collection company I.C. System reporting to the credit bureau that I owe them {$440.00}. I do not owe this debt to them or the original creditor XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, paypal permanently banned me from their site and refuse to release my balance for 180 days. They are also not allowing me to remove 2 of my payment methods, I wish to rescind their permission to store both. 

" You'll also be charged a High Volume Dispute fee based on your activity for all existing and future cases you receive. '' Was stated in an email sent by paypal. I do not have a business in which I sell items and receive payment via paypal. I do not have any open cases or disputes either. I received refunds which they have an issue with. 

I sent paypal what they asked for which included a photo of my ID twice since XXXX. I also provided them with screenshots pertaining to two transactions. 

My paypal balance is {$140.00} and less than {$3.00} in btc.
Product: Debt collection

On XX/XX/XXXX I received a credit alert that that my score dropped 34 points due to two collection accounts reported by IC Systems. After further research, I concluded IC Systems is reporting a MEDICAL DEBT from XXXX XXXX XXXX XXXX XXXX that was sold to them on XX/XX/XXXX. IC Systems has violated the 180-day (  six month ) wait period before a medical bill can be reported to credit bureaus. I believe that is a shady fraudulent reporting tactic on behalf of IC Systems to not label it as a medical collection but a collection/charge-off. The medical collection was {$1400.00} in which IC Systems is illegally reporting two separate balancing of {$1400.00} and {$73.00} which show two collection accounts. To make matters worst the country is coming off lockdown for more than 45 days due to COVID-19 and IC Systems reports two collections prematurely that has impacted my credit scores. That makes me ask did the state of Minnesota deem IC Systems " essential workers '' during this global Pandemic. I have yet to receive correspondence by mail from IC Systems pre COVID-19, during or after. IC Systems is a shady collection agency. 

Account # XXXX {$1400.00} Account # XXXX {$73.00}
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Fraudulent Accounts Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit file. These items were added without my authorization due to identity theft caused by a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these accounts and inquiries be removed from my credit report immediately. 
Fraudulent Accounts : XXXX XXXX - XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - {$3400.00} XXXX XXXX  XXXX- XXXX - XXXX - {$2400.00} XXXX - XXXX - XXXX XXXX {$510.00} Fraudulent Inquiries : XXXX XXXX XXXX - XXXX
Product: Mortgage

On XX/XX/2016, Shellpoint enacted a foreclosure on " Borrower '' property. 

The foreclosure was rescinded without explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my Equifax Credit Report score changed from a XXXX to a XXXX my score dropped a total of XXXX points due to XXXX XXXXXXXX XXXX XXXX  removing a remark. XXXX XXXX Bank was also included in my XXXX XXXX XXXXXXXX as of XX/XX/XXXX. This account is also over 7 years old and needs to be deleted from my account. I want the points back that I lost as a result of an account that should not be listed on my credit report, to begin with. I want this information removed from my Equifax, XXXX, and XXXX Credit Reports including Lexis Nexus. 

XXXX XXXX is reporting me as late, account charged off, account closed, derogatory info, etc. this is not even my account and is a fraudulent account. I also lost points on XX/XX/XXXX as a result of a remark that was added to this account. I want this account deleted and removed from all of my Equifax, XXXX, and XXXX Credit Reports including XXXX XXXX 

XXXX XXXX is reporting me as late, account charged off, account closed, derogatory info. etc. this is not even my account and is a fraudulent account. I also lost points on XX/XX/XXXX as a result of a remark that was added to this account. I want this account deleted and removed from all of my Equifax, XXXX, and XXXX XXXX XXXX including XXXX XXXX 

I have requested multiple times that this info be deleted and removed from all 3 of my credit reports yet it still remains even though the information is inaccurate, fraudulent, and was included in a recent XXXX XXXX XXXXnkruptcy, including costing me points due to remarks being added/removed. I am not understanding why nothing is being done about this and why I have to keep filing complaints over and over again for someone to take immediate action ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. These entries resulted from a data breach, which compromised my personal information. As per 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), you are required to block and remove fraudulent information upon request. 
Fraudulent Accounts : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting

Experian is not allowing consumers to dispute and upload evidence on our behalf proving beyond a reasonable doubt that they are reporting false and inaccurate information on our credit reports. So I am uploading this information for you to submit on my behalf. I have proven beyond a reasonable doubt that all information is true and correct. They like  XXXX  and   XXXX   are committing fraud by not allowing consumers to upload evidence proving accurate. It is a scam to try and get money out of the consumers. They are abusing and in direct violation of anti-trust laws, according to the FTC.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that 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 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

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate and delete the listed incorrect information on my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 contacted XXXX  and Equifax in XX/XX/2021 about inquiries on my credit report that are not mine and not associated with any accounts I have. I was advised to have the companies that initiated the inquiry to send a deletion letter to the XXXX  and Equifax and that I needed to send an authorization letter to XXXX  and Equifax. I requested the deletion letter to be sent and I sent my required letter but no results so I again contacted XXXX  and Equifax and the companies that initiated the inquiry in XX/XX/2021 but was given the same steps to complete so I followed those steps once more. Here it is XX/XX/2021 but no results despite doing everything I was asked to do.
Product: Credit reporting or other personal consumer reports

I received a letter stating my personal information was compromised and data leaked appeared. 
Upon reviewing my annual credit reporting findings included Incorrect personal information, addresses, telephone numbers, collection debts with incorrect invalid information affecting my credit. 3rd party agencies accesi g my personal information.

Due to the data leaked appeared my information has been exposed to the dark web.

I am a XXXX XXXX XXXX XXXX XXXX and this violates my privacy and my child. Including affecting my ability to buy a home etc.

21 results found my personal information leaked to other sources including the dark web which includes my SSN!
Product: Mortgage

I XXXX XXXX purchased XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX on XX/XX/XXXX I used XXXX   XXXX XXXX XXXX XXXX XXXXXXXX XXXX Pa. At closing XXXX was held for school tax for XXXX county PA. 
My original loan company at time of closing was XXXX XXXX XXXX XXXX XXXX these taxes were distributed to the lender from XXXX XXXX XXXX. On XX/XX/XXXX my loan was sold to Loancare these funds were transferred and deposited to Loancare on XX/XX/XXXX XXXX was deposited to predistributed payments account these taxes were due in XX/XX/XXXX and not paid. They are still sitting in Escrow I have never missed a mortgage payment EVER. I pay on time all the time I have contacted this bank over 25 times by call by email I have held for hours I have spoken to supervisors only to be put on hold and hung up on I have never been treated so poorly. I am in danger of loosing my home that I pay on every month I pay my insurance I pay the taxes to them religiously every month. My home will be put up for sale for back taxes that I paid and I can not get anywhere with them no help whatsoever I have all records of the payments and all of the info shows as well on their website and they still will not help me. I have never experience anything like this in my life my account # is XXXX Loancare XXXX XXXX XXXX XXXX XXXX VA  XXXX Please help me they are ruining my life I spend hours trying to correct this since I received the firs tax notice and they will not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX. I noticed false information placed on my credit report. I am a visit to identity theft. and all my data has been sold to the XXXX XXXX  since XXXX. XXXX also has my knowledge on the XXXX XXXX which has destroyed my life to XXXX XXXX thaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please help because the name even my XXXX  is incorrect. i am not XXXX  I am XXXX XXXX
Product: Credit card

I made two transactions one on XX/XX/XXXX for XXXX and one on XX/XX/XXXX for XXXX which should have been processed as a purchase but was processed as cash advance and I was charged XXXX and XXXX cash advance fees and interest as of todayXXXX at XXXX. If the merchant put it through as a cash advance it should have been declined since my limit on cash advance is much lower.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've notice a account/collections on my consumer report that doesn't belong to me. 
ACCT ... XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX  XXXX RXXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX, does belong to me. Could you please remove these FRAUDULENT ACCOUNTS from my consumer report. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THESE ACCOUNTS HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 604 A SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. INSTRUCTIONS THAT I COULD NOT HAVE GIVEN, BECAUSE NONE OF THESE ACCOUNTS BELONG TO ME.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX is some inaccurate information reporting. 
XXXX XXXX Account # XXXX Delete this account. 

XXXX is some inaccurate information reporting. 
XXXX Account XXXX XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account # XXXX Delete this account. 

XXXX.15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX XXXX Account # XXXX XXXX this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I received a notice form Transunion credit Bureau that they finished my investigation on the XXXX XXXX account on my credit report and nothing was done. I have a lawyer in place to ensure that this wrong gets corrected. This account does not belong to me and according to court documents this account either needs to be deleted from my credit report or the payment status needs to say : not rated and/or bankruptcy. The information that is currently on my report is incorrect and the update that happened today is incorrect and goes against the fair credit act laws. Because of this if this account is not deleted or the correct payment status entered I will seek legal action against Transunion as well as XXXX XXXX because I have been denied loans because of this incorrect information.