23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have an account with XXXX XXXX. I paid my XXXX payment late. When I realized the payment was late I logged into their website to make a {$65.00} payment. This payment was consisted of the payment due of {$45.00} and a late feeAt the time the website stated that no other money was do until XX/XX/2018. Thus I paid the account based on the information on the website. I log into my account today ( XX/XX/2018 ) to make my monthly payment and it say I have a minimum do of {$90.00}. I begin looking to the activity section on the account, which is closed, and it says that I was charged a {$38.00} late fee and some extra interest for the month of XXXX. I call to inquire as to why a second late fee was accessed onto my account and was told that I short paid the last months payment. I tried to inquire as to how that is possible when I simply paid what their website stated like I have for the past three or four years. They told me that the paper statement that was mailed to me stated a payment of {$88.00} was due and not {$65.00}. Then I asked why their website stated on thing and a paper statement would say another for which I couldn't get an answer. I asked why would I not paid the extra {$23.00} to avoid them charging me {$38.00} as it doesn't make since. Then I asked can I not to rely on the information that is provided on the website and only on a paper statement, again receiving no response. I explained that I don't look at paper statements since most companies have gone completely electronic. I also explain why would I short pay my account when there is not one time in the accounts history that something like that has been done but no answer. Every question I asked was met with its on the paper statement. I even asked why have the information on the website if its not accurate or one needs to rely on a paper statement, again not response. My problem is if I rely solely on a paper statement and the website has different information which on is to be believed or does the bank get to pick and choose between the two in order to charge a late fee, by the way the account has not been late in well over a year and when its late its only due to the fact that I forgot and not that I have trouble paying the account
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX a Verification Letter on an account originally with XXXX XXXX and asked for info proving that it's my debt. In response, I received the attached two letters. The second account, I had never had even been contacted about and I have no knowledge of. I had asked for documentation to verify that XXXX is the owner of the accounts ; that they are licensed to collect in Florida, a copy of the nost recent statement from the original creditor and a copy of an application for credit that I had signed together with any other pertinent information. The letters I received in response only show my last name, last 4 of my SS # and the " Date Account Opened Provided By Seller ''. One of the accounts goes back to 2013 and should not even be reported on my credit bureau reports since it exceeds 7 years. I also filed a dispute with Experian but it was declined.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I discovered my XXXX XXXX on Transunion dropped from XXXX to XXXX. I attempted to access Transunion but could not view my account. ( Please see attached snapshots ). I contacted Transunion and was advised that I could not view my report because 'they were merging a 'new ' credit file. As of today I still can not access my credit report on Transunion. Here is the letter I sent Transunion : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Demand for Compliance with the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally address a critical issue concerning my TransUnion credit report. On XX/XX/XXXX, I discovered that my XXXX XXXX dropped drastically from XXXX to XXXX. When I attempted to access my credit file through TransUnion to investigate this matter, I was blocked. Upon contacting your representatives, I was informed that TransUnion is in the process of merging another credit file with my current file, which is the cause of this restriction. 

This action violates my rights under the Fair Credit Reporting Act ( FCRA ), particularly Section 609 ( 15 U.S.C. 1681g ), which entitles me to access the information contained in my credit file. The FCRA requires credit reporting agencies to provide consumers with access to their credit reports and maintain the accuracy of the information reported. Blocking my access to my file and failing to notify me of any significant changes constitutes non-compliance with these federal requirements. 

Furthermore, your failure to ensure the accuracy of the information and maintain my ability to monitor my XXXX XXXX has caused financial and emotional distress. This situation has had a direct negative impact on my creditworthiness, which is unacceptable. 

As a remedy, I formally demand that you : Immediately restore my XXXX XXXX to its previous state of XXXX prior to the merging process. 
Provide me with unrestricted access to my credit file and any documentation or details regarding the merging of the files. 
Investigate and resolve the issues caused by the merging process, ensuring that all reported information is accurate and properly attributed. 
If these issues are not resolved within 15 days of receipt of this letter, I will have no choice but to pursue legal remedies as permitted under the FCRA, including statutory damages of up to {$1000.00} for non-compliance and additional compensation for any actual damages incurred. 

Please confirm in writing within 15 days that the necessary corrections have been made and that I will no longer face barriers to accessing my credit file. Failure to comply will result in legal action without further notice. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Where to begin, My loan was originally obtained through  XXXX .  Carrington  bought the mortgage and immediately upped my payment ( Surpassing the maximum amount I am legally allowed to get a home loan for ) to push the escrow to the maximum amount. As this was sudden and unexpected I obviously started missing payments and making payments late while they were blasting me with fees. They were completely unhelpful in terms of me making partial payments and only wanted to sell me additional services which I can not afford. The website is shotty and most of the time and at least once every  2  moths I have  one  of the following issues.   - Does not work - Will require me to change my password - Will not let me reset my password - And does not send me confirmation emails when I make my payments - Can not find the link to make payments as it is very well hidden Which is suspicious because when you call they say its {$15.00} to make a payment over the phone. I finally got even on my mortgage and now they have decided to start charging me a {$5.00}  Convenience  fee to make my payment online which again I do n't think is quite legal.   Regardless this place is not on the level. Sign me up for any lawsuits out against these guys.
Product: Credit reporting, credit repair services, or other personal consumer reports

A validation of debt letter under Fair Debt Collections Practice Act was sent to Portfolio Recovery Associates but they did not follow the requests of the letter within 30 days. A certified receipt from the united states postal service accompanied the letter to prove they received it. Up to present day they have not provided an original contract that bears my signature. They also failed to provide an affidavit of claim & a certification of authority. Due to their blatant negligence the alleged debt from Portfolio Recovery is considered fraudulent and invalid.
Product: Credit reporting or other personal consumer reports

My identity was used to get 2 homes cars credit cards and for XXXX loans I reported this as fraud 7 to transunion + times I have sent my state drivers license my ssn/card proof off mailing address all to verify my identity .I sent these things through the CFPB before and to transunion by and fulfillment email and I have filed a ftc report and still cant get my identity verified witch has a block on my account and has hindered me from regularly extending credit as a right that I have by law and it states this in the FCRA this has caused me very bad emotional distress XXXX XXXX and very unfortunate invasions of my privacy legal actions maybe the only thing to fix this problem moving forward
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported to Equifax that the Mortgage is part of an active bankruptcy and removed it from my credit report last month. 
There is no active bankruptcy. My bankruptcy was discharged last year and the car and mortgage were excluded. 
I called XXXX to ask them to correct the error and they said they would have to look into it. 
I need this put back on my credit report and the 92 point drop in my score fixed as I need to purchase my car and the credit score of XXXX from Equifax is affecting the loan.
Product: Credit reporting

well now that Im on a computer where I can print my report from, I wanted to be able to view it so that Im able to print it out
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I lived at XXXX XXXX XXXX XXXX XXXX from XXXX 2022. I vacated in XX/XX/2022 and officially moved out of the building in XXXX. I am being erroneously charged for {$1100.00} in utilities payments even though I provided notice to the company to stop. I also gave written notice to my management company and was forced to leave under emergency circumstances
Product: Debt collection

Diversified has reported illegally to the credit bureaus on a MA resident under their own name as opposed to the name of the credit in violation of 209 CMR 18.17 : Unfair Practices.

I have sent them three certified 93A Demand notices ( XX/XX/2018, XX/XX/2018 and XX/XX/2018 ) informing them of their illegal activities ( state and federal violations ). They have continued in their illegal listing and attempting to collect.

209 CMR 18.17 : Unfair Practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of 209 CMR 18.17.

( 11 ) For a debt collector to report to a consumer reporting agency on its transactions or experiences with a debtor in the debt collectors name. However, a debt collector may, with the express written authorization from the creditor, report to a consumer reporting agency in the creditors name.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX : XX/XX/year> XXXX XXXX XXXX : XXXX Account : XXXX XXXX XXXX XXXX XXXX  XXXX Upon reviewing my credit file/report I noticed that there were some unauthorized hard inquiries on my account. I Contacted the fraud department of the credit reporting angencies and inform them. I was told that the items will not be disputed and to contact the companies. I inform the representatives that i tried to resolve the issue month ago. I was dismissed with no help or remedy for these unauthorized and unverified inquires. I imformed them that if these are unauthorized then they are not accurately reporting my credit history. I was treated discourteously and requested to speak with a supervisor. I was told ill be contacted in XXXX to XXXX hours.
Product: Debt collection

I am writing to file a formal complaint against FMA Alliance, which is listed as the collector of a debt reported on my credit report.

On XX/XX/2024, I sent a written request to FMA Alliance seeking verification of the debt they claim I owe. According to the Fair Debt Collection Practices Act ( FDCPA ), they are required to provide verification of the debt within 30 days of receiving my request. Despite this, I have not received any response or verification of the debt as of XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this matter regarding an alleged debt with   XXXX   XXXX    and the credit bureaus. However I have been assisted in no way by any of the mentioned parties. I have never had a  XXXX  account. I contacted the company and ask them to provide me with a contract that would show I agreed to any sort of terms and conditions and they failed to do so. They provided me a partial bill that had some sort of return deposit, early termination fees, and usage charges for a number that does not belong to me. What they failed to provide me with is a contract or any documentation that I signed. After receiving no resolution with  XXXX  I then contacted the credit bureaus my credit report was updated as account meets FCRA requirements but no documentation was provided to me on how they validated this account. Aft er the 2nd attempt  my report has been updated to say reinvestigation accounts meets FCRA requirements consumer disagrees.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered several inaccurate collection accounts on my credit report. These entries were reported without proper validation or accuracy, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2. Despite contacting the relevant companies and providing documentation, these errors remain unresolved.

Collection Accounts : Under 15 U.S.C. 1681s-2, furnishers of information to consumer reporting agencies must report accurate information. The following collection accounts are being inaccurately reported and should be removed : XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$430.00} Status : Collection/Chargeoff Date Reported : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Account Number : XXXX Balance : {$6500.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Account Number : XXXX Balance : {$7300.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX XXXX. XXXX Account Number : XXXX Balance : {$0.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX These accounts have been incorrectly reported, causing harm to my credit score and financial standing. I request an immediate investigation and removal of these accounts from my credit report, as mandated by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there's still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate the account ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX : {$260000.00} this complaint will serve as a follow-up to my prior complaints
Product: Credit card

THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Product: Debt collection

On XXXX XXXX, 2015 I received an initial letter from National Credit Adjusters claiming that I owe {$1700.00} XXXX. The notice violates the FDCPA section 809
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiries was obtained unauthorized and reported to the credit bureaus, and it gives me a negative impact on my credit report. Either this inquiries promised to be soft or hard pull still not authorize and have no agreement Whatsover.
Product: Checking or savings account

Received a notice my account would be closed on XX/XX/XXXX. I contacted them. Transferred to XXXX different individual. No reason given. Ive been banking with them for years. I am a XXXX XXXX  and my SS gets direct deposited there monthly. They gave me less than two weeks to notify SS and to get myself another bank
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the letter below that was sent to the company regarding the unauthorized credit inquiry : XX/XX/2021 Capital One XXXX XXXX  XXXX XXXX XXXX XXXX, Utah XXXX It has been brought to my attention that Capital One has made two inquiries regarding my credit history ( XX/XX/XXXX, XX/XX/XXXX. ) I did not authorize a credit check and am concerned as to why my credit report would be of interest to Capital One. I have no business dealings or pending applications with Capital One and believe there could potentially be some type of fraudulent activity taking place. Please investigate and advise as your inquiries negatively impact my credit score.
Product: Credit reporting

EXPERIAN fails to remove the XXXX account. EXPERIAN reports that XXXX is the owner of this account. EXPERIAN reports incorrectly that this account is currently LATE. EXPERIAN reports incorrectly that this account is currently REVOLVING. EXPERIAN reports incorrectly this account 's date of first delinquency. EXPERIAN continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Credit card

To whom it may concern XXXX I hired a company called XXXX XXXX to replace my existing air conditioning system for the following reasons. 
XXXX 1. They claimed that the air conditioning wasnt powerful enough. 
XXXX 2. They claimed that the wire was undersized. 
XXXX 3. we needed an air conditioning duct in the ceiling of the living room, this work would be done for {$9000.00}. A copy of the contract is included. 
XXXX 4. They agreed that they would take a deposit of {$3000.00} which i paid on XXXX XXXX and they would expect the {$6000.00} upon completion. 
XXXX 5a. upon inspection of the job, they never installed the duct work in the ceiling for the living room, but charged my credit card anyway for the remaining balance of {$6000.00} on XXXX XXXX. When i confronted them, they said that they needed me to know that there was no place to put the duct without me doing some of the work.I explained that this was n't in the agreement. 
XXXX 5b. I stopped the credit card on XXXX XXXX for the {$6000.00} XXXX 6a. They finally agreed to install the air conditioning duct, by the XXXX XXXX, as long as i would give them the payment in full up front which i agreed. 
6b. On XXXX XXXX, they sent over technicians that explained to me that they could n't do the work. 
XXXX 6c. The guys that came to do the work did n't have the right parts for the job to be done and their ladder was too short to reach the roof outside, they needed to borrow a ladder from my neighbor and after looking at the job on the roof, they couldnt figure out where to start. 
XXXX 6d. They also didnt bring the right ladder for the inside of the house because the ceilings were high they could n't reach the ceilings in the house. 
XXXX. XXXX XXXX i put in a second dispute to cancel the charge of {$6000.00}. 

XXXX 8. They agreed to come back and finished the job but needed a set of blueprints, which i sent them via email about 2 weeks ago. 
XXXX 9. I asked them for a letter of intent or diagram showing me how they would install the duct work, and i have n't heard from them in 3 weeks. 
XXXX 10. I understand that XXXX XXXX is trying to have Discover reverse the charges in their favor which i dont believe i should pay for something that isnt complete. 
XXXX Please advise me on this matter. 
XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

TD Bank Notified me by email immediately that my card was used in two fraudulent transactions. I immediately confirmed that they were not purchases made by me. I did not go to the those places of business and that two out of state {$.00} transactions occurred prior to those fraudulent transactions.

Subsequently, after letters and calls, TD Credit denies my claim and said " I was responsible for paying the money on both charges. '' Their appeals department denied my appeal without sending me any letter or notification.

After numerous calls, I was told a Supervisor would get back to me. I never received any return call from a Supervisor.
Product: Checking or savings account

FINANCIAL INSTITUTION IS : EVERBANK I have been a customer with EVERBANK for over 5 years This year in XXXX ( less than one year ) I opened a new account " high yield savings " the rate at the time was 5.15 %. the rate is variable and it has gone done. 
the last rate decreased was on XX/XX/year> and is curretnly showing on my account as 4.45 %. 

My issue is that the bank is currently advertizing a rate of 4.75 % for their high yield savings and is giving me less than this current advertise rate and would not honor. 
The only reason that I became aware of this is because I was shopping for rates and check my account. 

The solution the bank provided was to open a new high yield account so I can get the 4.75 % ( therefore is not just for new customer ). 
this is in my opinion unethical and is not my prior experience with other institutions,
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and remove the late payment. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and remove the late payment. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 


Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity. 

Thank you for your help and assistance. 

Sincerely, XXXX XXXX