23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I asked Experian to verify debt under the guidance specified in the FCRA, nothing was provided to me. This is my XXXX complaint as the first was to identify an inappropriate item report. This complaint is to express the lack of lawful compliance from experian to provide the evidence that substantiated the claim of validity. 



XXXX. 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ) : Credit bureaus must investigate disputes about the accuracy of any information in a consumers file within 30 days of receiving the dispute. 
XXXX. 611 ( a ) ( 2 ) ( 15 U.S.C. 1681i ) : The credit bureau must notify the creditor or furnisher of the disputed information within XXXX business days and provide all relevant details regarding the dispute. 
XXXX. 611 ( a ) ( 5 ) ( A ) ( 15 U.S.C. 1681i ) : If the disputed information is found to be inaccurate, incomplete, or can not be verified, the credit bureau must delete or correct the item on the credit report promptly. 
XXXX. 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ) : Credit bureaus are required to provide consumers with all the information in their file, including the source of any disputed information, if available. 
XXXX. 611 ( b ) ( 15 U.S.C. 1681i ) : Consumers are entitled to add a statement to their credit report if the credit bureaus reinvestigation does not resolve their dispute. 
XXXX. 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ) : Furnishers of information, such as creditors, must provide accurate information to credit bureaus and correct any data they determine to be inaccurate. 
XXXX. 623 ( b ) ( 15 U.S.C. 1681s-2 ) : After a credit bureau notifies a furnisher of a consumer dispute, the furnisher must investigate the claim and respond within 30 days. If the debt can not be verified, they must inform the bureau to delete or correct the entry. 
XXXX. 611 ( a ) ( 6 ) ( 15 U.S.C. 1681i ) : Credit bureaus must notify consumers of the results of the reinvestigation, including any modifications made to the disputed information. 
XXXX. 611 ( c ) ( 15 U.S.C. 1681i ) : If the investigation results in the deletion of disputed information, the credit bureau must send notices of correction or deletion to anyone who received a copy of the report in the past XXXX months. 
XXXX. 611 ( d ) ( 15 U.S.C. 1681i ) : If requested by the consumer, credit bureaus must provide them with a description of the reinvestigation process used to verify the accuracy of the disputed item.
Product: Credit reporting or other personal consumer reports

on my credit report there is a CAP1/WMT charge which is a credit card. I have contacted XXXX, walmart, and Capital 1, with little to no assistance... walmart be the worst out of the bunch. the credit limit is {$500.00}, the balance is {$700.00} so first off how did that work, then it was charge/written off, ok well where is the 1099C cause the card had my name, and was attached to my address. then and finally if its written off and they are supposed to send me my 1099C why is there still a balance. I have been a victim of ID fraud and tired of running circles with these guys.
Product: Credit reporting or other personal consumer reports

Negative accounts are being reported on all three of my Credit Reports : XXXX, XXXX, and XXXX. I have been disputing this item since XX/XX/XXXX every XXXX to 45 days in XXXX rounds intervals, taking a pause for 60 days and reengaging. Each time I have disputed this item, the credit bureaus state that the debt is valid and updated on my reports. I have contacted the creditor directly repeatedly since XX/XX/XXXX and each time, they have sent me statements and credit card application when I requested proof of the account. I have even offered to pay for deletion of debt on my credit reports. This will be my XXXX round of letters to this creditor and they still refuse to remove this negative account from my credit reports. Additionally, several negative accounts are being reported multiple time on each credits report. It is showing the alleged negative account reported from the original creditor and multiple negative collection accounts for the same debt for several different providers, some of which are not legally allowed to collect in my state of residence.
Product: Consumer Loan

In XX/XX/2014 I purchased an Solar Air Cond. system. I have found out that the system installed is NOT an Solar Air Cond. system and that the outside condensing unit and inside air handler should have NEVER been connected to an Solar panel per the manufacture. 
I have placed criminal charges against the company's owner. The company XXXX that sold me the system arranged for financing thru Aqua Finance Inc. I have explained several times over the past several months that XXXX DID NOT install a Solar system they installed a plane old A/C and air handler system that is connected to a Solar panel that should have never been done. Now Aqua is coming after me for non payment and has placed past due notices on my credit record. I'm NOT going to pay for something that is a FRAUD. Please help me with getting ride of this debit that Ive tried my very best to let EVERYONE know that I didn't get what I paid for.
Product: Vehicle loan or lease

On XX/XX/XXXX I attempted to change the bank account on file with my auto loan at TD Auto Finance. The auto payment of {$590.00} was scheduled to come out the two days later on XX/XX/XXXX. In an attempt to avoid the payment debiting the previous account I made a one-time payment for {$600.00}. 

Unfortunately, I later learned that any changes that are made within 5 days of the scheduled auto-pay date can not be changed and will not be applied to the current payment date. 

In the end, both payments came out. The scheduled payment with the previous bank for {$590.00} was drafted and my {$600.00} payment was drafted from my new account. 

The problem began when I called TD Auto on XX/XX/XXXX to explain the {$600.00} payment was intended to make the XXXX payment. They explained it had been applied as a principal payment in addition to the scheduled payment. I explained the mistake and requested a refund for the additional {$600.00} payment I made. 

This is where the representative on the phone explained that it takes 19-30 days to issue a refund. 

I believe this is an excessive amount of time and they are taking advantage of consumers by having this excessive amount of processing time to benefit them. 

I believe they are using this excessive amount of time to their advantage to manipulate their customers into allowing TD Auto to keep their customer 's money so TD Auto can have the security of their customer 's next payment. 

We've all received refunds from companies before, including banks and the longest it should ever take it 5 business days. 

I ask that you look into this excessive amount of time because I believe it is wrong and there should be limits on the amount of time it takes a company, especially a bank to issue a refund to its customers. 

Thank you for looking into this matter and everything you do to protect consumers.
Product: Checking or savings account

On XXXX Pen Fed Cr un XXXX XXXX Imposed & charged our joint XXXX XXXX XXXX account with Fee - Uncollected XXXX in the amount of {$10.00} each XXXX TIMES ON XXXX without reason, without Just Cause- ILLEGALLY. 

That is Illegal, Unfair Financial Institution Practices & is extremely manipulative & extremely Deceptive!
Product: Debt collection

I had an account with XXXX XXXX for XXXX XXXX. Long story short. I did not use them at my new address and they charged my account for an early cancellation fee in XXXX.In XXXX I went to their website and chatted with one of their reps. He waved the Cancellation fee and told me that it would be taken off my account. In XXXX I checked my credit report and it was on there anyway. So I tried to explain everything again to XXXX XXXX   and got nowhere. I told them that I have the chat response of the customer service rep that said that the fee was waved and would not be on my account. Still I got nowhere with them.. XXXX XXXX is refusing to take it off. Which I don't understand. I was just rejected by them on XXXX XXXX. Even after they read what the customer service rep wrote.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several issues with my credit reporting One If my credit show XXXX debt why did the score drop 82 points with XXXX  and 6 points with Equifax if the debt is XXXX the score should go up not down. Instead of showing the XXXX  mortgage paid in full it is showing a closed account which is wrong it should show it paid off. Number two XXXX is showing a late payment over XXXX or less and it was because they didn't change the phone numbers 18 months ago when asked to do so and they could not contact us to inform us of a payment due. We pay the entire credit balance each and every month. This is wrong as they could have contacted us if they did their job and changed the number the same with XXXX XXXX they didn't change the number either I spent hours this morning trying to do their numbers and get them right what is it today no one wants to do their jobs and it effects the customers in a negative way. If you look XXXX has a complaint with you about this by my husband
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. 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 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, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

Hi, I asked American Express for a physical address to which I could write to cancel my credit card, if i choose to do so at renewal. I was told I had to call or chat them to cancel. 

Is that correct that credit card companies do not have to make a physical address available for correspondence, and can refuse to accept written correspondence from customers directing them to cancel their cards? 

Thanks -XXXX
Product: Mortgage

Having XXXX XXXX as my loan officer was the worst thing that could have happened to me during this entire experience as a first time homebuyer. 

He gave me a closing date of XX/XX/XXXX. Throughout out entire correspondence he was constantly needing new things from me - letters, paperwork, forms. Each time I gave him what he needed as soon as the next day. Then I wouldn't hear from him for days. My attorney tried to reach him, my realtor tried to reach him, at one point, the seller was threatening to cancel my contract because XXXX was not timely in sending my loan papers to them. When I would get a hold of him, it would be more things that he needed, all of which could have been done and provided weeks before coming up to the closing date. Not once throughout this process did he tell me the truth that the closing date was going to be delayed. So I scheduled movers, I packed my entire life in boxes, I scheduled XXXX to transfer my internet, I informed my roommate that she would be able to move in the coming weekend. Come the day before closing, surprise surprise, he's not ready to close. And there's more paperwork that needs to be done AND a 3 hour homebuyers course that he forgot to send me. 

I'm absolutely LIVID and STRESSED because this man doesn't have it together. I've done everything he's asked of me and I'm now dealing with the consequences of his inability to do his job. Now I need to ask my landlord if I can stay and pay for an extra month 's rent. He's inattentive, slow, and unapologetic- pretty rude too. He blames it on the underwriter, the process, me. He's not transparent as I'm still waiting to hear from him a new closing date. He tells me he'll call me back - doesn't happen unless you call him first. 

If it wasn't for this grant I was getting and how far in the loan process I am in already, I'd fire him and stick with XXXX XXXX. This man has royally XXXX me over and I know he's getting a commission from my loan that he absolutely does not deserve. 

Do NOT get a loan with XXXX or XXXX XXXX XXXX for that matter unless you like ripping out your own hair.
Product: Credit card or prepaid card

On XX/XX/2018 I received an alert via email from XXXX XXXX and XXXX XXXX, regarding a change in my credit score. The change came from Capital One, which came with a {$300.00} credit limit and was cancelled on XX/XX/2018 @ XXXX XXXX. The card was also destroyed on that date and I was responsible for the remaining balance. After making a {$200.00} payment, I was informed ( after asking the right questions ), that there were additional charges of late fees and interest. When I closed the account and destroyed the card, it was my understanding that only the remaining balance was owed. This since I no longer had a physical card to use, it was explained to me that the remaining was all that was owed. Capital One has charged {$280.00} in late fees and interest on a closed account. In speaking with representatives, who were unprofessional, combative and confrontational. Also refusing to provide adequate information, choosing to refer me to a P.O. Box to send complaints. After again calling and attempting to escalate the call on XX/XX/2018. I was again given the run around as to my original cancel/closing dates. Choosing me to write in to complain. It is my hope that CFPB can assist me to expose this suspect and shady company and their horrible bank practices.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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/updated.

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.

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 1002 and It was never provided. 

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

The servicing of my mortgage was transferred to XXXX XXXX XXXX XXXX c/o LoanCare , LLC effective XX/XX/2020. On XX/XX/2020, after contacting LoanCare and speaking with a customer service representative, I made an online principal curtailment in the amount of {$43000.00} along with a one-time fee of {$300.00} in order to re-cast my mortgage. 
Since that time, I have repeatedly contacted customer service to follow up on the re-cast documents. After the first two follow-up attempts, with no resolution in sight, I reached out to my Loan Officer,  XXXX XXXX, on XX/XX/2020 to see if he could assist. 
On or about XX/XX/2020 almost three months after I submitted the online principal curtailment I finally received an Agreement for Modification, Re-Amortization, or Extension of a Mortgage in the mail. However, upon review of the document, I realized much of the information was inaccurate. I, once again, contacted customer service and was advised that I would have corrected documents in my hands by XX/XX/2020. 
As of today, I have still not received the corrected documents. I contacted customer service again today for the 5th time and spent 38 minutes on hold waiting, in vain, for someone to connect me to a supervisor. 
It is now almost four months since I sent LoanCare over $ XXXX and I have nothing to show for it. I continue to make my monthly mortgage payments, on time, in the full amount specified under the original terms, when I should, in fact, be making principal & interest payments on the reduced amount.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - {$0.00} XXXX XXXXXXXX - XXXX - {$0.00} XXXX XXXXXXXX - XXXX - {$0.00} XXXX XXXXXXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX XXXXXXXX - XXXX - {$700.00} XXXX XXXX XXXX XXXX {$0.00} XXXX - XXXX - {$390.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX - XXXX - {$0.00} XXXX  XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - {$1400.00} XXXX - XXXX - {$0.00} XXXX XXXXXXXX - XXXX - {$0.00} XXXX XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX XXXX  XXXX - XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX - XXXX - {$370.00} XXXX XXXX XXXX XXXX - {$330.00} XXXX XXXX XXXX XXXX {$700.00} XXXX - XXXX - {$0.00} XXXX - XXXX - {$530.00} XXXX XXXX XXXX - {$0.00} XXXX - XXXX - {$380.00} XXXX - XXXX - {$720.00} XXXX  - XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX  - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my twelve endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Back around XX/XX/2021 I received a notice that I lost my debit card privileges with Navy Federal credit union due to too fraud claims that they prematurely or better yet assumed we're me trying to pull a fast one or claim fraudulent reporting to those fraud claims ... Which at the end of the 90 day investigation turned out to be fraudulent however they penalized me for following the guidelines in there disclosures for a debit card..thanks to NFCU I had bounced a payment for my rent and my vehicle almost evicted the the most horrible part ... They marked my SSN with XXXX- XXXX XXXX XXXX- causing me no access to online certified funds but trapping me in there XXXX of an institution. Any other place for months denied me due to XXXX  and them marking me HIGH RISK due to fraud ... I lost my cool quite a few times when calling in however when I was able to control my anger and XXXX  ... I asked them to send the info that they used to come to this conclusion.. they said they will and never did.. they wouldn't file a complaint when I asked I talked to multiple '' managers '' but never anyone who could tell me anything about reactivating my access.. when I asked.. what is your all 's problem, it's it because I'm not an actual service member is it because I'm just related to one? Are you treating me this way because I haven't enlisted.. the man on the other side made a very disheartening ha then proceeded to quickly place me on hold.. I feel horrible to have ever backed a institution like this ... And thanks to them my life became so very stressful that, I already having severe health issues, caused me to be hospitalized. I am ashamed to have associated with such a disgusting institution