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

According to Experian, collections for federal student loans have been placed onto my account from XX/XX/XXXX through XX/XX/XXXX. The second collections notice shows collections reports for another federal student loan from XX/XX/XXXX through XX/XX/XXXX. 

The first loan amount is {$2500.00} and the second is {$1700.00}. 

According to " House XXXX XXXX XXXX '' ( XXXX ), " Every provision contained in or made with respect to any obligation which purports to give the oblige a right to require payment in gold or a particular kind of coin or currency, or in any amount of money of the United States measured thereby, is declared to be against public policy, and no such provision shall be contained in or made with respect to any obligation hereafter incurred. Every obligation, heretofore or hereafter incurred, whether or not any such provisions are contained therein or made with respect thereto, shall be discharged upon payment, dollar for dollar, in any such coin or currency which at the time of payment is legal tender for public and private debts. '' HJR-192 goes on to state : " As used in this resolution, the term 'obligation ' means an obligation ( including every obligation of and to the United States, excepting currency ) payable in money of the United States ; and the term 'coin or currency ' means coin or currency of the United States, including Federal Reserve notes and circulating notes of Federal Reserve banks and national banking associations. '' HJR-192 superseded Public Law ( that which passes as law today is only " color of law '' ), replacing it with public policy. 

This eliminated our ability to PAY our debts, allowing only for their DISCHARGE. 

In addition, " 15 USC 812 '' explains that these " debts '' should not have been reported in the first place. With that being said, I am owed {$1000.00} per collections report as of the year XXXX through XXXX. 

Due to these reports, my credit score has been oppressed, ultimately keep me from being able to purchase a home, get approval for loans and other credit based financial opportunities.
Product: Credit reporting or other personal consumer reports

I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I don't know where you got the following items. They shouldn't even be appearing on my file, from what I know ( and I keep good track of my bills! ) Please delete the account below : XXXX  XXXX
Product: Consumer Loan

I have a loan I took out with Best Egg. Every time I login to check a balance or see activity they have denied me access to it from the beginning even though I have never been delinquent. When I have repeatedly made the request to have it available to me online when I log in -- they always give me the excuse that they can not post the information online because it is a privacy issue. The only hope I have of even getting close to getting a statement is by looking at the payoff balance which they tell me is subject to change at any time. I have access to all my daily activity reports and statements with all my financial institutions. There is no excuse for telling me that I can not see any statements online. I believe that they are withholding information that they do not want me to have access to. If so, I will apply for another loan elsewhere and close this one out but right now, I have not seen anything approximating an accurate or up to date statement. My sense is that they are scamming me somewhere in the process.
Product: Credit card or prepaid card

I prepaid {$230.00} for a service call and battery installation from XXXX. Upon inspection of my vehicle 's battery, the service technician discovered my battery was not the issue. I then only received a jumpstart in order to get my vehicle back to my property. XXXX then adjusted my service and the receipt reflected the amount I expected to pay which was {$100.00}, however, the payment of {$230.00} remained on my credit card statement. I filed a dispute with XXXX, faxed all necessary paperwork to Capital One in a timely fashion. Capital One then credited my account of the amount difference I was disputing of {$120.00} ( {$230.00} prepaid amount, minus {$100.00} for actual service I received ). After their " investigation '' and correspondence with XXXX, they reversed the decision, and the amount I was disputing ( {$120.00} ) charge was added back to my credit statement. I have spent HOURS trying to explain this simple math equation with Capital One and they don't seem to understand. I have ALL necessary paperwork to rightfully pursue and be reimbursed the {$120.00} from Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian dated XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

DEPT OF EDUCATIONXXXX XXXX Late Dates XXXX, DEPT OF EDUCATIONXXXX XXXX Late Dates XXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history and I have tried to dispute it directly with the company, to no avail. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action. Also, I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Product: Debt collection

I have credit monitoring service and was told of a unpaid debt that was being collected by XXXXredit Collection Service for XXXX ( XXXX ). I spent the entire day being shuffled from dept to department and was able to show that the debt was some kind of fraud. The account was setup in a city for cable service that is 300 miles from me. I have never lived in that city nor have I ever had a XXXX ( XXXX ) account. They agreed but told me it was my job to get it removed. I asked them to send me the proof that I had created this account. I asked to have it emailed or mailed and they said they could not create a PDF of the info they have. I did download a 7 page document about disputing the claim. This action adversely effected my credit score lowering it 14 points.
Product: Credit reporting

Credit reporting company refuses to remove or delete Not validated information by Creditor within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like i am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a mortgage with Wells Fargo Home Mortgage about 10 years ago. Received an alert from XXXX XXXX that Wells Fargo removed my account from my credit report and caused an 11 points drop on my credit score. Contacted Wells Fargo but couldn't get help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself AS THE CONSUMER NATURAL PERSON. 

I have attached Identity Theft Reports from the FTC TRANSUNION has committed aggravated identity theft pursuant 18 U.S. Code 1028A This is not a request. I am invoking my consumer rights under the Fair Credit Reporting Act.

TRANSUNION is in violation of 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681i ( 5 ) ( A ) ( i ), 15 U.S. Code 1681n ( a ) ( 1 ) ( A ), 15 U.S. Code 1681o ( a ) ( 1 ), and 15 U.S. Code 1681n ( a ) ( 2 ) PROOF is attached TRANSUNION is now in default and agrees with the FACTS.

The following alleged accounts are to be BLOCKED and DELETED from BOTH my Consumer REPORT and CONSUMER FILE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT. OF EDUCATION/XXXX - XXXX I have attached Identity Theft Reports from the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the process of paying my debt in order to fix my credit to purchase a new home and start a business. I applied to get a personal loan to clear the debt and in the process, I was a victim of theft. I was applying with different creditors and wasn't sure which one had access to my banking information and withdrew {$880000.00} from my bank account on XX/XX/2021. My bank is XXXX XXXX  XXXX and contacted them right away about the issue and they were able to help me open a new Checking and Savings account but haven't closed out the account with the fraudulent charges. I also contacted Experian to put a security freeze on my social to avoid more identity theft. 

I was also having issues with my credit report that has been affecting my approval for loan options to clear my debt. I am currently unemployed and was looking for a loan company that can help me in this situation but was denied funding. I have contacted the creditors and they were not able to help me. I currently have 7 accounts that show delinquent or past due. There are 4 accounts from XXXX XXXX with the charges of {$390.00} and ( 4 ) {$450.00} which we made the agreement of settling the accounts into one for the total of {$1200.00}. I have an account with XXXX XXXX XXXX XXXX for the amount of {$8300.00} and have a written agreement where I would need to pay {$2500.00}. The other accounts that are affecting my credit are from XXXX XXXX. The first account is to collect a debt from a XXXX XXXX credit card that was closed 3 years ago and recently opened when I called for a settlement. The balance on that account is for the amount of {$2900.00}. The other account from XXXX XXXX is to collect a debt from XXXX XXXX for the amount of {$280.00} and made a payment arrangement to pay off the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Equifax credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. 

I am relocating for work and in doing so I had to pull my credit reports and found there were multiple addresses that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. 

Thank you for your prompt attention to this matter. 


The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX. 
I do not have a contract with XXXX XXXX They did not provide me with original contract as requested. 
I demand that this account be removed from my credit report immediately. 

Date reported to my account XX/XX/2024 amount {$5100.00}
Product: Credit reporting or other personal consumer reports

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


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

I demand the late payment to be 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. 


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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


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


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these unverified inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to address a matter of utmost urgency regarding the payment processing system on the AppFolio portal.

I have observed a concerning discrepancy in the fees applied to transactions conducted through the AppFolio platform. Specifically, the portal advertises a fee of 3.49 % for credit card transactions, while significantly lower flat fees apply to check or debit card payments through the same channel.

However, when I attempted to utilize my debit card on the AppFolio portal, I was unjustly charged the incorrect amount of 3.49 %, resulting in a total charge of {$94.00}. This irregularity has been a source of significant inconvenience and financial strain.

I have taken proactive steps to resolve this matter, initially engaging with AppFolio through the Better Business Bureau ( BBB ) as it became apparent that direct consumer contact channels were not available. Regrettably, my attempts to find a resolution through this avenue have proven fruitless. 

Furthermore, I diligently communicated this issue to my property management company, Personal Property Management ( contact information : XXXX, located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ). They have consistently assured me that this fee discrepancy is beyond their control, as it pertains to a third-party charge facilitated by AppFolio.

Conversely, AppFolio, in their responses via the BBB complaint system, has repeatedly directed me to contact my property manager. This continuous cycle of redirection has created significant frustration, as my property manager lacks the authority to influence or rectify these fees.

As a concerned consumer who values fair and transparent financial transactions, I am earnestly requesting that AppFolio promptly assess fees in accordance with the rates advertised on their portal, thereby ensuring compliance with consumer protection acts.

My primary objective remains the resolution of this situation, and I implore AppFolio to take immediate corrective action to restore fairness and transparency to their payment portal. 

I trust that this matter will receive the attention it warrants and will be addressed with the urgency it demands. Your swift response and resolution are eagerly anticipated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called in for the collection agency to give me a debt validation letter and I was told it'll take30 days. I did that in XXXX. I called in again on XXXX and I was told they still haven't closed the dispute. I haven't received the letter yet and its the XX/XX/14. They also open a second dispute for no reason. I was told that they opened it to prolong the first dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged onto XXXX and filled out the XXXX request free weekly credit report page, as directed by the consumer.ftc.gov website. 
Not one of the 3 reporting companies, Experian, XXXX nor XXXX  is able to supply me with the report online. 
The only option is to fill out a PDF form AND send copies of my personal information ( SSA card/Driver 's License ) etc through the mail. This is not secure, nor is it what is promised by the FTC. The FTC states that I can receive copies of my credit report ONLINE. I use a VPN, so I know the information sent/received online is secure.
Product: Debt collection

This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Mortgage

I am uploading a four page later that details the challenges I have incurred with my construction and mortgage loans from Truist Bank. I have a binder of roughly 580 pages with emails and correspondence with the bank that affirms everything claimed in my attached letter. 

For highlights : - Double paying my property tax despite telling me to pay it directly and that they were not paying it. ( The bank then paid the property taxes. ) - Informing me of my new mortgage payment of roughly {$1500.00} a month, when the actual new mortgage payment was {$4100.00} a month. 
- Committing to reimburse me for roughly {$75000.00} - {$80000.00} in costs I fronted for this project, and then telling me they can not reimburse me for those funds. 
- Asking me for a roughly {$8600.00} payment as we transition the loan from construction ( interest only ) to mortgage, but not answering my questions about what was included in the {$8600.00} and how it might related to payments I had already made. The bank then refunded me twice for parts of that payment -- I think -- but there was no correspondence with the refunds to explain the entire process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted written disputes to both XXXX & XXXX on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding Kia Motor Finance account # XXXX in the amount of {$2800.00}. Kia Motor Finance is showing charged off with a balance of {$2800.00}. This is inaccurate. Kia Motor Finance has not submitted any documentation of this charge off. This lease was successfully terminated XX/XX/XXXX and there were no additional charges. It is to be noted I am in litigation with Kia regarding as I am part of the settlement due to the XXXX XXXX XXXX recall.