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

I procured a loan with Dividend Finance for a solar system with XXXX XXXX on XXXX XXXX. The loan is for {$32000.00}. The payments started on XX/XX/2023 and XXXX XXXX has yet to complete the solar system. I have contacted Dividend Finance and XXXX XXXX several times with no set date for finishing the solar project. In j that jest, I am paying for a job that has not been completed. It would be nice to have my solar panels working as it is XXXX degrees here in XXXX today
Product: Credit reporting or other personal consumer reports

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). 

The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being report-ed, or demonstrate to me your regulatory right to retain as mandated by FCRA laws . I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my re-sponsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones de-ficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX  ( XX/XX/XXXX ) Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX ( XX/XX/XXXX Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX ( XX/XX/XXXX ), Alleged Creditor # 4 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX ( XX/XX/XXXX Alleged Creditor # 5 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX ( XX/XX/XXXX ), Alleged Creditor # 6 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX ( XX/XX/XXXX )
Product: Debt collection

XXXX XXXX said that I opened account with them last year which is XXXX I never opened account with them it states I owe them XXXX. I have them send proof that I open account using my SSN
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has failed to report to the credit reporting agency the true and accurate information on my report it is against the law to report fraudulent information attached is a letter from XXXX XXXX executive saying that they account is paid in full and that they are refusing to send me my 1099 oid 1099a and 1099c tax documents, even though they said in the letter that they only send those documents to people who owed them debt. Also they failed to provide the XXXX of my XXXX XXXX account so i only think that they have something to hide. I demand the ledger of the account along with the 1099s i request. So can i get treated equally with full faith and credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX PA XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Mortgage

On XX/XX/XXXX, I requested an ACH principal only transaction in the amount of {$16000.00} at my Mortgage Servicer XXXX XXXX. I requested this amount be transferred from my account at XXXX XXXX XXXX. On XX/XX/XXXX, I saw that the payment was returned NSF. I knew there was enough in the account to accept the transaction at XXXX XXXX XXXX. I then called and spoke to customer service about the transaction at XXXX XXXX XXXX. The confirmed that the account did have sufficient funds to accept the transaction. They then searched their records for an ACH during the week of XX/XX/XXXX to XX/XX/XXXX in the amount I requested. They did not find any ACH requests during this time. They suggested that I call XXXX XXXX and get the ACH trace number so they can find what happened to the transaction. 

I then called XXXX XXXX, also on XX/XX/XXXX. I explained the situation to them. The Customer Service rep I spoke to said they had no ACH trace number attached to the file, and as such, they would refund the {$15.00} fee they assessed my account. This refund would occur in 3-5 business days. 

On XX/XX/XXXX I checked my account to verify the fee had been removed. It had not. I then called XXXX XXXX a second time. I spoke to a Customer Service Agent who told me that there was no trace number. I was then told there was a trace number, but they would not give it to me. Either way, my {$15.00} fee would not be refunded. I told her that their company is required by ACH rules to disclose the trace number so that my bank could research the situation and find out what went wrong. I was told no. there is no way they will give me the information I need to solve this issue. 

At this point, I do not believe XXXX XXXX put my ACH request thru and are covering themselves. I have spent over 3 hours on the phone concerning this as well as the time to lodge this complaint. I am requesting the NSF designation be removed from my account and the fee refunded.
Product: Credit reporting

STILL DO NOT HAVE AN UPDATED-CORRECTED CREDIT REPORT. I have been going online trying to dispute and remove old items ... still a real problem. 
Last Credit Report I received was dated XXXX/XXXX/2014. 
PLEASE CORRECT : 1. XXXX- # XXXX-Old account-was transferred and re financed.-REMOVE 2. XXXX- # XXXX-old 10 years old paid and closed REMOVE 3. XXXX- # XXXX-Over 10 years old-REMOVE 4. XXXX XXXX XXXX # XXXX-same account as # XXXX above XXXX-REMOVE 5. XXXX Auto-Paid and closed-10 years old OLD REMOVE 6. XXXX- # XXXX-Paid and closed-old 10 years old REMOVE 7. XXXX- # XXXX-paid and closed-old 10 years old-REMOVE 8. XXXX XXXX # XXXX-Paid and closed-Old-10 years old REMOVE 9. XXXX XXXX XXXX # XXXX-Paid and closed-old 10 years old REMOVE 10. XXXX XXXX XXXX # XXXX-Paid and closed-10 years old REMOVE
Product: Credit reporting

I initially called the company Collection Consultants of California to dispute the accuracy of a single derogatory remark on my credit report. After I disputed this information, the company then listed XXXX other separate remarks for various amounts on my report. I called to try to pay the amounts that are listed on my report and they said that it would n't matter because I have many amounts that are due to this company. Not only are some of them over XXXX years old, I 've contacted the originator of the claims. If these are all debts from XXXX creditor being sent to XXXX collection agency, they should only be listed on my report once, not four times. This should be considered illegal, especially because I feel that this was done purposefully by their staff after I submitted my original dispute. If they are listed individually on my report, I should be able to pay them individually to have them removed.
Product: Vehicle loan or lease

6 Months ago I relocated from XXXX XXXX XXXX XXXX XXXX. At that time, I notified Capital One Auto Finance where the car was and that was I going to need to do anything. They said no-we now recognize that your title is in ND. This was back in XXXX, XXXX  and I knew who I was speaking to was wrong. I any event, they made a huge mistake on my title by putting my ex-Husband on the Title. When I re-financed through Capital One 3 years ago, the loan is in my name only and Capital One knows that my ex-husband had nothing to do with this XXXX XXXX XXXX XXXX I have been trying to get the title transferred to XXXX XXXX  and for 6 months they have done nothing. Now they are telling me I have to get a court order to have my ex-husband 's name removed because of their mistake. I have tried everything with them and I need help somehow. My payments are on time. They will not respond to the XXXX XXXX XXXX XXXX XXXX I need a letter from them on their letterhead stating that the loan is in my name only. They've refused to give that to me. They are clearly breaking the law and some watchdog agency has got to stop them. This is their mistake, not mine. They have done nothing in 6 months except lie to me.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding inaccurate information on my credit report provided by Equifax I have identified several inaccuracies that I have disputed, but my concerns have not been adequately addressed. 

Inaccuracy # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Description : NEVER LATE I have made multiple attempts to resolve these issues directly with the agency, including submitting documentation to support my claims. However, the agency has not provided satisfactory responses or corrected the inaccuracies.

This complaint is based on potential violations of the following laws and regulations : 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : 1. Under the FCRA, consumers have the right to dispute inaccurate information in their credit reports, and credit reporting agencies are required to investigate disputes and correct any inaccuracies.

2. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : 2. If any of the inaccuracies relate to debt collection, the FDCPA prohibits unfair practices in the collection of consumer debts.

3. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : 3. This act grants the CFPB authority to oversee and enforce compliance with consumer protection laws, including those related to credit reporting.

4. Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) : 4. If applicable, this act requires lenders to provide clear and accurate information about credit terms and costs. 

I am particularly concerned about the lack of transparency in the verification process and the impact these inaccuracies have on my credit score and financial well-being.
Product: Credit card or prepaid card

Charged {$1800.00} in deferred interest. I attempted to payoff the balance before the deferred interest was charged and told I was 1 day too late. Also charged fees on a credit card that was advertised as interest free for a 12 month period. In XXXX charged {$820.00} and XXXX charged {$820.00} in unexpected fees. 

I was on hold for for customer service for 2 hours and finally hung up.
Product: Credit reporting or other personal consumer reports

I recently was checking my credit report and noticed fraudulent activity.Please remove all fraudulent activity off my report as it is hurting my ability to obtain credit. Thank you
Product: Money transfer, virtual currency, or money service

My father needed to cash his check at the US bank location inside of the XXXX 's at Address : XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX. I was being helped by the manager XXXX XXXX. He asked if we had an account, and we let him know we did not. He asked if we have an account. We told him we did not but his pension through the roofers local allows him to have his checks cashed with no fee and no need for an account. We have been coming to this location and cashed checks before. He again asked if we had an account or wanted one. He said he can not find my father on the system. He started asking for my fathers ' social security number. I told them we will not provide that and he said he has to have that to cash his check. I said that didnt sound true and he should never be asking a senior for his ssn. I told them this was unacceptable and it took a lot to get him ready to go all the way down to the store and not get assistance after doing this for almost the last year with hardly any issues. This is the second time coming to this branch and getting harrassed and mishandled to just get a check cashed with out any fees and having to open a bank account. This branch continues to ask for unneeded info and try and get us to sign up for an account when we do not want to. Since we do not, they make it extremely hard on numerous occasions to cash my fathers pension check. Something needs to be done about this branch and the manager XXXX XXXX. I call the corporate number XXXX to complain. I asked to file a complaint and was not a customer. They placed us on hold for 10 minutes. They got back on and said " we need to pull up a form so you can file your complaint and it will be a few more minutes. ' '' I got placed on hold for another 10 minutes ( 20 mins total ). The agent got on the line and said we need to have someone contact you back. This is 100 % no one cares, no one is going to help and there is nothing anyone is going to do about it. I want action taken as this service all around was pitiful.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information on Credit Report XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to formally dispute inaccurate information in my credit report under my rights provided by the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ). The information in question is as follows : - XXXX XXXX XXXX XXXX  - Account Type : Installment Account - Joint Account : Yes - Status : Closed - Original Loan Amount : {$19000.00} - Payment Status : Various discrepancies as noted below Disputed Items : XXXX. Account XXXX : - XXXX : Shows the account as " XXXX or paying as agreed, '' yet lists it as " XXXX, was past due XXXX days '' on XX/XX/XXXX. 
- XXXX : Indicates the account status as " OK '' for most months but lists " XXXX  days past due '' for several months in XXXX. 

XXXX. XXXX XXXX : - There are inconsistencies in the payment history provided by different credit bureaus. Specifically, XXXX shows some months as " XXXX days past due '' while XXXX and Equifax show " OK '' for the same months. 

XXXX of Last Payment : - There is conflicting information regarding the date of the last payment, with XXXX report indicating it was made on XX/XX/XXXX, while another states it was XX/XX/XXXX. 

Reason for Dispute : According to the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) ), credit reporting agencies are required to follow reasonable procedures to ensure maximum accuracy of the information in consumer reports. The discrepancies outlined above indicate a failure to maintain accurate and consistent information. Additionally, per 15 U.S. Code 1681i, any item found to be inaccurate or unverifiable after a reinvestigation must be promptly deleted or modified. 

Request : I request an immediate investigation into these discrepancies. If, after your investigation, the information can not be verified as accurate, I request that the inaccurate information be deleted from my credit report. 

Enclosed are copies of my credit report highlighting the disputed items for your reference. Please provide me with a written statement of the results of your investigation and a free copy of my credit report reflecting the corrections. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit card or prepaid card

I XXXX XXXX have recently gone through a great deal of personal hardship. This hardship was caused initially from a XXXX my husband had, along with his fight against XXXX. Various credit cards I owed on could no longer be paid upon. One of those is the account I am requesting a reasonable settlement on, along with a heart-felt explanation of the facts surrounding my own financial hardship. I therefore request SYNCB/JC PENNEY DC to submit a reasonable settlement to my account with them, something in the range of {$2000.00}. I do not have the desire to file a personal bankruptcy if necessary, but I would hope that could be avoided. I request an offer in compromise in written form only over the next ten business days.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account numberXXXX Open date : XX/XX/year>. XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX TX XXXX, ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am going over my credit report and I see that my information is either inaccurate or old dated. 
My name is XXXX XXXX XXXX I am XXXX my company is XXXX XXXX XXXX XXXX XXXX XXXX. 
My DOB  XXXX SS XXXX MY only address is XXXX XXXX XXXX XXXX XXXX, OH   XXXX PHONE NUMBER XXXX THE FOLLOW ADDRESSES ARE NOT MINE PLEASE DELETE : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I HAVE A HARD INQUIRES ON MY CREDIT REPORT THAT ARE UNAUTHORIZED I NEVER DONE ANY BUSINEES WITH XXXX XXXX XXXX XXXX XXXX. PLEASE REMOVE THEM THEY ARE NOT AUTHORIZED. I WOULD LIKE TO BE OPTED OUT OF ALL PROMOTIONAL CREDIT CARD ADD AND INSURANCE PROMOS. THERE IS A ACCOUNT SHOWING ON MY CREDIT XXXX XXXX XXXX XXXX XXXX****. THIS ACCOUNT WAS NEVER IN COLLECTION AND HAS ALWAYS BEEN PAID IN FULL, NOT SURE HOW OR WHY IT IS ON MY CREDIT REPORT PLEASE DELETE THIS ERROR.
Product: Credit reporting, credit repair services, or other personal consumer reports

With COVID uncertainty I requested a forebearance with Shellpoint Mortgage just in case I needed it, however, during the forebearance period XXXX to XX/XX/2020, I NEVER paid 30 days late. 

Consequently, I am selling my house and it is closing XX/XX/2020. To buy another home, XXXX XXXX  pulled my credit for a mortgage and I was shocked to find : Shellpoint notating forebearance negatively, despite this being formally cancelled by me. 
Shellpoint reporting {$0.00} payment during the forebearance which is NOT accurate, I have paid each month mortgage XXXX, XXXX and XX/XX/2020. 

As part of the CARES act it is illegal for a lender to negatively report forebearance due to COVID. Shellpoint is both negatively listing forebearance even though I NEVER paid 30 days late AND i cancelled this is NEGATIVELY affecting my ability to be approved for another mortgage. Shellpoint is also INCORRECTLY reporting NO PAYMENT from XXXX to XXXX instead of noting PAYING AS AGREED.
Product: Checking or savings account

My name is XXXX XXXX I am writing in regards of disputing a denial in the account ending in XXXX. 
For claim number XXXX. The dispute was initially made on XX/XX/2022 due to an error made by a Bmo bank employee from a previous dispute claim number XXXX filed XX/XX/2022. I was told that debit card ending in XXXX would be immediately deactivated and could not further be used in dispute XXXX. Only after a transaction of {$370.00} with the same debit card ending in XXXX did not deactivate debit card ending in XXXX. I continued with the dispute and was told that I was not at fault because debit card ending in XXXX should have immediately been deactivated after dispute XXXX was filed. The transactions for debit card XXXX happened seven days after claim XXXX was filed. As shown in attached photo. With notes also attached stating such reason XXXX. Employee forgot to shut the card down .. Ive received a email stating that dispute XXXX was denied and that a provisional credit of {$370.00} would be deducted from my account as of XX/XX/2022. I am here to dispute the denial of claim XXXX reason being I no longer had possession of debit card ending in XXXX. I was also told by XXXX XXXX employee that debit card number ending in XXXX would be deactivated and could no longer be used. I can not be at fault for something I had no control over. Here are attached supporting documents regarding my claim ..as shown in both disputes attached card number ending in XXXX was used in both disputes .I would like to pursue further with a complaint against Bmo Harris Bank XXXX