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

1 ) XXXX XXXX # XXXX For XXXX XX/XX/XXXX, I have not lived in that house in over six years. Had no balance when I moved. Anything accrued after XX/XX/XXXX was landlords ' responsibility. That property was a XXXX house. 

2 ) XXXX XXXX XXXX # XXXX For XXXX. This charge should have been removed in XXXX. I opened a PUC Case In XXXX which ruled in my favor. I moved from the state of PA XX/XX/XXXX. How in the world do they submit to the credit bureau a charge I was billed in error, which should have been adjusted a long time ago on my credit report in XXXX? 

3 ) XXXX XXXX XXXX for XXXX. # XXXX. Reported XX/XX/XXXX, for {$160.00}. 

Incorrect Billing my final bill was {$130.00} and they owed me an adjustment off of that amount for {$25.00} for charging me shipping of an emergency phone. I was told by a representative they would adjust the {$25.00} off the {$130.00} since I was told they were shipping it for free. To date, they have not adjusted the charge and have added additional fees. 

4 ) XXXX XXXX gave me a card for {$250.00} only. They claimed that the last payment was recieved in XX/XX/XXXX. According to my records the balance was paid in full by XX/XX/XXXX. I have not used that card in years. Please request a full detail of all payments I made from the time I received that card in XXXX. Where did {$420.00} come from many years later. 

5 ) XXXX XXXX  XXXX XXXX # XXXX. 
XXXX XXXX owed me {$300.00} For signing up first time customer and staying with them 90 days with all payments on time. I repeatedly called and request my credit which I was informed by several supervisors ; I have their names, dates I spoke with them and their I'd numbers that I would receive my credit. To date all that they gave me was {$110.00}. From my record they still owe me {$180.00}. These companies believe in cheating consumers out of their credit.
Product: Vehicle loan or lease

I have successfully repaid the loan in full. Additionally, I have proactively reached out to the company to inquire about the status of the matter. I am committed to settling any outstanding comments and would appreciate any guidance or support to ensure that the issue is resolved in a satisfactory manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Checking or savings account

This person was supposed to sell me a product. They required a deposit in the amount of {$100.00} and never delivered the product. I tried to message the seller several times they never responded. I reached out to PayPal to dispute the transaction and they refused to do anything about it. I made this transaction on XX/XX/23. The seller email address where payment was sent is XXXX XXXX
Product: Credit reporting

Dear Credit Reporting Agency, I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g Section 609- Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. " This Is Not a Dispute '' Public Records-Judgements XXXX XXXX XXXX ( I never served with the appropriate paperwork informing me of these negative events reflecting on my CRA file. Please accurately report this information or delete from file. ) XXXX. Identification Number # XXXX Claim Amount {$0.00} I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g Section 609- Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed. Please communicate your intentions in writing. Regards, XXXX XXXX XXXX
Product: Mortgage

My mother passed on XX/XX/. Her home was sold on auction 2 years ago. We have not seen a dime of this money and it is getting ridiculous. The home was sold for over XXXX and she only owed roughly XXXX. Her estate has not received any of the money that it was supposed to receive. At this point if I do not hear from someone today regarding this matter, then I will initiate complaints with CFBB, XXXX  and Attorney 's XXXXXXXX XXXX XXXX
Product: Student loan

I pay student loans to American Education Services located at this address : ( American Education Services, XXXX. XXXX XXXX, XXXX, PA XXXX ). They bought my loan from another company. I am supposed to have a fixed interest rate at 4.5 % ( so long as I am enrolled in auto pay which I was - and never took myself out of it ). They took me out of it and increased my rate to 4.75 %. I called in early XXXX and the man claimed they did this because I re-enrolled in school and the government automatically puts me on deferment so they took me out of all this. 1. ) I paid cash to go to school so they did not need this info 2. ) they never once contacted me about this, just changed everything without my permission 3. ) promised to change it back, it still has not been changed. I called back in mid XXXX asking about this and they did not do anything, even after promising to do so. 4. ) In the past, I received verbal promises from this company to not change my account without contacting me first, they continue to do so. 

Last year, XX/XX/XXXX, the company went on my account and changed the amount I previously asked them about. They just changed it, no verbal or email from me, they took initiative and lowered my monthly payments ( I pay ahead so I can eliminate debt ). The company claimed, on numerous occasions that extra payments go to debt so I pay extra. It took me two months to fix this. 

I have gone through XXXX but nothing has been resolved, they simply contact the XXXX saying it's under review. For two straight months? 

I have attached letters they have sent me. They originally also sent letters in early XXXX, I've noticed they are no long in my inbox but I have hard copies at home. I have called around 1/8 and additionally in mid XXXX as well. Both people I talked to assured me everything would be fixed and it still is not.
Product: Mortgage

Bank of America has denied my appeal and they said it would take 30 days. They are saying my income is {$2200.00} a month. My income is only {$940.00} and my sons social security  XXXX  is {$660.00}. I faxed them this information and my total income is {$1600.00}. But I have appealed it higher people in bank of america. I am not employed and I do not receive any extra income that would equal to {$2200.00}. Bank of america is causing me undue   XXXX   XXXX  . But I am working with them and have made payment arrangements to pay the {$3000.00} by the end of this month  XXXX . And when the payments are caught up I will set up a automatic payment withdraw from my checking account. Also by Alabama law a home owner is suppose to be 17 payments behind. Bank of America has gotten {$20000.00} which they never applied to the balance of my loan and its not fair what they are putting me through, i do have my bank statements proving which payments have cleared my checking account.
Product: Money transfer, virtual currency, or money service

Hello I would like to file a complaint against paypal. They put a hold on our account for XXXX days. They would not release the money to us after telling me several times in phone calls it would be available to me come XXXX. Well a month ago we noticed they just took our money and told us they it is due to them for whatever reason. NO company what so ever should be taking hard earned money from other people. We have done nothing wrong and its not right for institutions to just take peoples money and think its ok. I do know that paypal has done this to tons of people. We did a post on paypal on XXXX and i can send a screenshot but you would be surprised at the likes and shares it got. we have over XXXX shares and we have had tons of people come to us about them doing the same thing. I figured i would try filing a complaint here first and see what can be done because again it is not ok for any company to just steal peoples money and take advantage of people. if you think we did something wrong then block us from your service and never let us use it again but it is NEVER OK to take someone elses money.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documentation and a letter from an XXXX XXXX XXXXssisting me due to XXXX  XXXX XXXX XXXX, which qualifies as XXXX  under the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and I request that all listed accounts be blocked and deleted. Please delete the following accounts from TransUnion : XXXX - XXXX : {$1500.00} - Account # : XXXX XXXXXXXX XXXX XXXX XXXXXXXX : {$1800.00} - Account # : XXXX XXXX XXXXXXXX - Balance : {$2400.00} - Account # : XXXX XXXXXXXX XXXX  - Balance : {$14000.00} - Account # : XXXX
Product: Student loan

I have discovered that the past XXXX payments I have made towards my student loan has been 100 % applied towards interest with none going towards the pay down of my principal balance. Accrued interest is 3 % of my total balance yet the representative stated that none of my payments will go towards the principal until all of my interest is paid off. I feel like this is unfair as the creditor can continue to charge me at a higher principal balance. 
Loan servicer is Sloan Servicing
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

This loan is for a solar system that was installed to the roof of my personal residence. The loan was set up with a bank account that I no longer use and when I made an attempt to call Mosaic and spoke with a customer service agent in XX/XX/XXXX. I told a gentleman by the name of XXXX on a voice recorded call my new updated bank account and that moving forward, they should not use the previous one and remove it entirely from their systems. 

About two weeks later without any notice or warning, I had a representative from the property come to my house and enter my property on the side yard without permission and place a lock on my system. Unbeknownst to us, the payment that I had made an attempt to set up with the correct bank account did not go through in time and the previous payment that was scheduled with the prior bank account bounced back and created a late payment. I thought I had done everything possible to resolve this prior to this bank draft bouncing back. I made my account current immediately when I was fully abreast of the current issue with the bank draft. 

About a week after my account was made current, I received a notice from the credit bureaus that Mosaic marked my payment as late and my score took a significant drop. 

I called with Mosaic several times and spoke to different agents who had varying degrees of oversight on this sort of issue. Today, XX/XX/XXXX, I was able to speak with a knowledgeable agent XXXX, who put in a request to have my case reviewed formally with management. XXXX told me that what happened was my auto pay with the previous bank account was already in process when I had called in XXXX to set up the new account, so when it bounced back, even though I had given them the correct bank to use, it was out of their hands. 

I was on a recorded call doing everything I could to avoid this. And still, due to a formality they elected to report my account to collections and mark it late. 


So far I have yet to hear back from them and I am awaiting their response. However, the past two times after speaking with them on the phone I have had little success in resolving this issue on my own - I feel that this company and my experience with them is not in the best interest of their borrowers, and consumers as a whole. 


Moreover, the bigger issue at hand is that I feel this was a classic example of predatory and unfair lending practices. No attempts were made to call me to rectify this issue, notify me of the potential that this would go to collections. All over its been one of the worst lenders that Ive worked with, and their systems and notifications are not adequate enough to provide fair disclosure, notification and relief for the consumer.
Product: Credit reporting or other personal consumer reports

I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX 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

The credit bureaus put stuff on my credit report without even warning me about it. The following accounts were fraudulently opened in my name. I did not make the charges and I never received any correspondence from them.. Please remove the accounts XXXX XXXX, XXXX XXXX XXXX..they have nothing to do with me
Product: Credit reporting

I was lured into obtaining my free credit score from eqifax in XX/XX/XXXX or XX/XX/XXXX, only to realize that my checking account was being charged {$59.00} for a credit monitoring service, which I had never signed up for and/or given approval for. It took nearly XXXX months to remedy the situation and the finally agreed to discontinue the service, but refused to reimburse me for the {$59.00} monthly fees already charged over the last XXXX months. I have read that the suit against eqifax and transunion dates back to XX/XX/XXXX, however, I can assure you that it it began far earlier, as I ca n't be the only person this happened too. I respectfully request to be included with the other victims of fraudulent activities commited by Equifax and XXXX. I addition, I would encourage your department to investigate such activities and resultant victims long before the XX/XX/XXXX start period. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Transunion twice trying to get reason why their site was claiming THEY had a problem ... because the site gave me a telephone number and told me to call them ... each time their rep wanted to grill me for personal information over the phone ... I finally got someone to tell me me that their " service '' did not work with XXXX XXXX  ... 

So, I went to XXXX browser and got on.. However, when got to date page, it would not " take ' the dates to open up the report ... I was able to scroll down to correct date, but would not " activate '' when pressed. So, called back again.. again getting someone that wanted to drill me over the phone for personal information ... and, it was now clear, do the job personally. The person admitted did not know anything about the Transunion web site and admitted could not put me in contact with anyone that did. 

First person : did not get ID ... hang up on me when refused to give out personal information over then phone Second person : XXXX XXXX Third person : .XXXX XXXX Called XXXX I think this is a scam to enable the company to troll for information. 

Also, it looked like, if the web site had worked that they wanted me to leave the report open for at least 24 hours ... which would not have been necessary.. except, I have to wonder, to allow other paying clients to access my information. 

REPORT SUBMITTED TO CFPD under duress ... no reason for them to have it.. This is an company web issue ...
Product: Mortgage

I've made bi monthly payments from the start of my loan, on time every month. Flagstar Bank has never stated that I could not do partial payments. Now they say that is the case and can not find my partial payment for XX/XX/XXXX, even though I see it both on their website and my bank account. I believe they applied my payments incorrectly to the account or not at all. I have reached out to them on the phone three times in XX/XX/XXXX regarding the issue, most recently on XX/XX/XXXX. Each time I asked to speak to a manager but at no of those times was there one available. I was then told to email their servicing management e-mail with detail, which I also did on XX/XX/XXXX. I immediately received an automated e-mail saying they received my message, but that is as far as it has gone. I explained the situation as followed : Your company did not properly credit the payment that I made on XX/XX/XXXX in the amount of {$1300.00}. This payment should have been credited to my payment for XX/XX/XXXX. 

o I have made partial bi-monthly payments since having this loan. Taking a look at my history, you can see Ive made payments for : XX/XX/XXXX ( XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX ) XX/XX/XXXX ( XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX. ) XX/XX/XXXX ( XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX. ) XX/XX/XXXX ( XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX. ) XX/XX/XXXX ( XXXX on XXXX, XXXX on XX/XX/XXXX. ) These dates and amounts were visible from my loan details on flagstars page. I have attached a pdf from my bank showing the matching payments that left the account to flagstar. No one that I have talked to at Flagstar can apparently see these. 
o Per the note 3 under your payment information directly listed on the statements flagstar has sent me : Any partial monthly payment made that is not applied to the loan, but instead is held in a separate suspense account until enough funds are received to equal a full payment, at which time, the funds will then be applied to the loan. 

I have called three times this month regarding this issue and no one has helped me. 

o When I requested to speak with a supervisor on my first call, I was told they would not put me on with them because they werent going to help. 

o After my most recent call on XX/XX/XXXX with your service agent, ( i will leave this name blank for the purpose of CFPB ), I was told to write an email to the XXXX e-mail as he looked for over 40 mins for a supervisor and could not find one.
Product: Credit card or prepaid card

I have 7 synchrony accounts and all of them were closed by synchrony within the last 4 days. No notice, or nothing was received. I used one of my cards on the XX/XX/2020 and went to use it tonight XX/XX/2020 and it was closed, I thought maybe I did something wrong. I called the credit card and they said synchrony closed my account. I then logged into my other 6 synchrony cards and saw that every single account was closed. This is going to hit my credit score very badly!
Product: Payday loan, title loan, or personal loan

They told me due to the fact of me not having a job and its the law they couldn't issue loan for {$600.00} with proof of income {$5000.00} a monthly. I asked federal burial of investigations and they stated ots not a law in Georgia.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX account became delinquent with XXXX XXXX XXXX ( timeshare ). Account was given to XXXX XXXX. According to a debt lawyer, because XXXX XXXX is not the orginial debtor they have no authority to report the account delinquent each month. They are only authorized to report 1 time as being delinquent one time which was in XX/XX/XXXX. Also, i paid XXXX XXXX XXXX XXXX off back in XX/XX/XXXX. Paid in full. They reporting the account as charge off and paid in full and a chargeoff with a zero balance,
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again.

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you.

This is your final warning. Please remove the following items listed on my fraud report & listed below. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Federal Trade Commission XXXX XXXX XXXX XXXX, XXXX  XXXX DC XXXX Subject : Dispute of Inaccurate Credit Reporting Dear Equifax Customer Service, I am writing to formally dispute the accuracy of information being reported on my credit file, as per my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I have identified an account that is being inaccurately reported, which includes an address and name that do not correspond with my Driver 's License or rental agreement.Your company can't Auto verify XXXX XXXXXXXX XXXX XXXX there is no address identifier number linked to XXXX XXXX XXXX XXXX XXXX, VA XXXX. That address is not listed on my personal information, making reporting of this account inaccurate and needs to be removed immediately. 

According to 15 U.S. Code 1681, consumer reporting agencies are required to conduct a fair and reasonable investigation upon receiving a written dispute. Inaccurate credit reporting not only undermines my creditworthiness but also violates my rights as a consumer. 

I request that you investigate this matter promptly and remove the inaccurate account from my credit report. Please find attached any supporting documentation that verifies my claim, including copies of my Driver 's License and rental agreement. 

I am looking forward to your swift response and resolution of this matter. If you require any further information or documentation, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your attention to this important matter.