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

The reason for my filing of this complaint is that this company is not adhering to consumer set laws. I have written to this company for a number of times including XXXX giving them all the details that they need to proof that I am a victim of identity theft. But until now they are still reporting these erroneous, fraudulent accounts on my credit report. 

I am attaching all the documents that i sent them that is 1. my dispute letter to them dated XXXX XXXX. My FTC report filed by FTC that same date. 

Please have it known that I am a victim of identity theft. My Personal information was compromised, I don't know how but as a result fraudulent accounts and Inquiries were opened on my behalf without my authorization. 

Fraudulent accounts : XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX J XXXX XXXX XXXX, Account # XXXX Untitled, Account # XXXX Fraudulent Inquiries : XXXX Date filed XX/XX/XXXX XXXX Date filed XX/XX/XXXX XXXX XXXX XXXX Date filed XX/XX/XXXX XXXX XXXX Date filed XX/XX/XXXX XXXX   Date filed XX/XX/XXXX XXXX XXXX Date filed XX/XX/XXXX XXXX XXXX Date filed XX/XX/XXXX XXXX/XXXX XXXX Date filed XX/XX/XXXX XXXX XXXX Date filed XXXX Date filed XX/XX/XXXX XXXX/XXXX XXXX XXXX Date filed XX/XX/XXXX XXXX XXXX XXXX Date filed XX/XX/XXXX XXXX Date filed XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in those accounts to be removed. 

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 XXXX XXXX XXXX XXXX XXXX XXXX  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! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I am a XXXX XXXX XXXX on a limited fixed income. I applied for a best buy XXXX credit card about a XXXX ago so that I could XXXX XXXX XXXX. Ever since then I have paid between $ XXXX {$150.00} every month to keep up on payments. I have an auto pay set up now for {$150.00}. So with this in mind I assumed, ( HUGE MISTAKE ), I would be not only paid up to date but ahead! This far from the what is occurring. Even though I am making the {$150.00} I am also being hit with 25.99 % interest PLUS ... a 4 % interest fee for something I have no clue why!!! I am, as of this writing ( XX/XX/XXXX ),  almost {$1800.00} behind. I asked how I could catch up and was told that at my present payment it would take " about '' year. Guess they could n't calculate how long it would take. So I asked again what I could do to catch up so that I am not paying over {$35.00} in interest fees plus another 4 % per month. I was not given an answer. I fully understand that I made a purchase in XX/XX/XXXX, however, the interest fees were higher than the items I purchased. That is in spite of the fact I made a {$150.00} payment. I want it to be clear that I have never missed a payment on ANY of my bills. I always submit higher payments than the monthly minimum, currently, the minimum is {$58.00}. S this is how I see what going on .... {$1800.00} balance. {$150.00} payment minus at least {$34.00} in interest plus {$58.00} for monthly minimum payment. This comes out with {$58.00} left over to go towards future payments Am I nuts? This does Not seem appropriate considering I have NEVER missed a single payment. I was told that I had bought something, they did n't tell me what or how much it cost, at a certain interest rate and had XXXX months to pay that item off. Again, maybe I 'm XXXX or XXXX, but it seems to me with the payment amounts I make every month I should be well caught up. HELP PLEASE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX TransUnion XXXX have violated my right under 15 U.S.C 1681 ( A ) reads The term " consumer report '' means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for- ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report i would like all accounts removed which include XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX i would like all accounts Deleted immediately
Product: Debt collection

XXXX XXXX XXXX / XXXX XXXX XXXX. went bankrupt XXXX XXXX XXXX XXXX ). They are unresponsive for the following problems : Scammed us into purchasing a Solar System worth XXXX the market value through a loan with an out-of-state bank. 

They took almost XXXX months to start the project after payment to loan company. 
Left us with a solar system that has not been finished installed properly and does not work as promised. 
Solar Panels have damaged the roof.

Salesman told us it would cover our entire electricity needs and even make a profit from the by reselling extra electricity back to the electric company. Lie. We still ended up with a very high year-end settlement bill from XXXX XXXX XXXX .

They installed the panels in an area that is shaded so half of the panels do not generate much electricity. 

To compound the problem, XXXX XXXX XXXX changed their rate structure ( XXXX XXXX ) where it does not make much financial sense to own Solar Panels anymore. They buy the electricity at a cheap rate and resell it to us at triple the rate in the afternoon and evening. This was not the case before with XXXX XXXX We are now left with a {$46000.00} loan for XXXX years for something that does not work as advertised. The system is probably only worth {$20000.00}.

Also, the salesman promised that we would get high tax credit refunds from the federal government which, according to the accountant, never qualified for or received. 

Also, for this system to work correctly the Solar Company needed to include a Backup Battery with the Solar Panels to store the excess energy needs instead of selling it back to XXXX XXXX XXXX 

Complaint has been filed with XXXX. 

Many other customers from XXXX XXXX have experienced similar issues.
Product: Debt collection

On XXXX XX/XX/XXXX, I received a call from XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) stating that XXXX XXXX, XXXX, CA, had sent my late husband to collections for {$280.00}, date of service XXXX XX/XX/XXXX, apparently for XX/XX/XXXX testing, which doesn't make sense to me. Since then I have received one more phone call plus three apparent hang-ups. To date I have never received even a bill from XXXX XXXX. Then I received a bill from XXXXMediCredit stating that the Creditor is XXXX XXXX XXXX XXXX -- no XXXX XXXX account number given, no detailed description of services rendered, and no date of service. I sent a letter dated XXXX XX/XX/XXXX, to MediCredit disputing the validity of their claim -- they sent eight pages of his personal information ( where is HIPA ) with no explanation for the {$280.00}. I contacted XXXX XXXX XXXX XXXX Billing myself, and was provided a billing statement that all accounts have XXXX balance, and that my late husband does not owe any bills to the XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX has never once sent a bill to us requesting payment nor have they ever sent me a demand letter for payment. I have received a second bill ( undated ) from MediCredit. On XXXX XX/XX/XXXX, I sent another letter to them, provided the {$0.00} balance statement, and informed them that I would be filing a complaint with the FTC/CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$58000.00} XXXX  XXXX XXXX Balance : {$400.00} XXXX  XXXX XXXX : {$22000.00} XXXX XXXX  XXXX Balance : {$11000.00}
Product: Debt collection

While monitoring my credit I found a collection account for XXXX dollars, I immediately contacted SEQUIUM ASSET SOLUTIONS , LLC XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX and was informed XXXX XXXX had placed my account for collections as a result of missing equipment. I did not agree that I had not returned the equipment, but I paid the XXXX dollars to avoid having an active collection account. I Called XXXX XXXX  / XXXX XXXX XXXX XXXX. XXXX XXXX XXXX TX XXXX and disputed that I had not returned any equipment. After an Investigation XXXX XXXX agreed with my assertion that they had placed my account in collections erroneously and refunded the XXXX dollars. I then contacted Sequim Asset Solutions at which time I was informed XXXX XXXX would have to notify them the account was not supposed to be in collections and they would remove the negative information from my credit report. I then spoke with XXXX XXXX  and they informed me that they had notified Sequim and XXXX XXXX  could do nothing more with regards to my credit report. To date, nothing has been removed from my credit report with regards to this collection account. I have disputed the accuracy of the information and the information remains. I do not believe that Sequim has actually investigated the validity of the information only that at one time a false assertion and collection was engaged in. I spoke with XXXX XXXX and was informed they had notified Sequim the balance was paid and no further action was taken. This was in XXXX XXXX XXXX investigated My assertion in XXXX and a refund was sent to me in XXXX of XXXX. XXXX at XXXX XXXX considers this matter closed and I would have to Write to XXXX XXXX  for Further assistance. This seems to be a simple mistake to correct but both Sequim and XXXX XXXX  refuse to do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive notification that my personal information had been found on the dark web including my Social Security drivers license and address. I tried reaching out to Experian in order to place a credit freeze on my account and tried using their online system twice but the site crashed both times. then when I tried to contact Experian its absolutely impossible to get a hold of them. the number only brings you to an automated system that wont connect you with a live person and is unable to set up a credit freeze or from alert. your only option is to mail in any communication to them. This is completely unacceptable given the fact they are one of the three major credit reporting agencies XXXX XXXX and XXXX are both easy and helpful and it was possible to set up a credit fraud alert and a freeze. This company shouldnt be allowed to act as a credit bureau if theyre not accessible to the public. I tried multiple ways of getting a hold of them including numbers that werent even designated for credit reports but nobody answers
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate information about a charged off XXXX XXXX loan with all three bureaus multiple times with no action being taken on their part. There are many discrepancies between how the charge off is being reported between all three bureaus. First is the payment history, XXXX shows a 30 day late, then an on time payment, followed by a 90 day late, and finally a charge off. XXXX has no reported payment data at all, but the account still reports as charged off. Equifax shows a 30 day late payment, no reported data, then a 90 day late payment, followed by a charge off. XXXX and Equifax have no data on when the account was closed, but XXXX shows the account was closed XX/XX/2019. Equifax shows date of last activity as XX/XX/2019, XXXX shows XX/XX/2019, and XXXX has no data on date of last activity. XXXX doesnt even show what the worst delinquency for the account was.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. TransUnion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( spoke with XXXX at XXXX ), I made contact via phone calls and written asking for proof of a signed contract by myself and them and if they would provide it, I'd gladly accept responsibility. 3 disputes were filed with XXXX, TRANSUNION, and XXXX. The disputes was resolved in the favor of the collection agencies, I found this out upon checking my profile, so XXXX I filed a 4th disputed with all the credit agencies asking for written verification proof and a signed contract between these reporting collection agencies or to remove these item from my credit file. 

I owe no debt to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never signed a contract with them, nor do I know who they are. In accordance with the FCRA. These companies along with TRANSUNION, XXXX, AND XXXX has violated my rights under 15 U.S.C. 1681 602 A. states I have the right to privacy. 15 U.S.C 1681. 604 A. Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681 s-2 ( A ) ( XXXX ) states a persons shall not furnish any information relating to a consumer to any consumer reporting agency if the persons know or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. 
Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXXXXXX XXXX failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.

1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to less adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX : XXXX. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ]. 
XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and and any relevant supporting documents are enclosed to facilitate your investigation. 
If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 
Sincerely,
Product: Student loan

Basic Complaint : XXXX XXXX, XXXX Between XXXX, XXXX and XXXX, XXXX, my student loan increased by the amount of {$3.00}, XXXX. More specifically, according to Navient, the balance of this loan was {$30.00}, XXXX on XXXX XXXX, XXXX and by XXXX, XXXX, the same loan cited a balance of {$34.00}, XXXX. It is highly unusual for any student loan balance to have increased several XXXX dollars in less than six months. 
To date, there has been no explanation by Navient or XXXX XXXX on this matter. 
During several months, Navient did not report any type of accrued interest on this loan. 
However, in XXXX, XXXX, Navient processed the accrued interest even though I resided in a subsidized housing for the first time, and I had lost major employment due to our nation 's earlier recession. There is no specific logic for this loan balance increase. 
I am holding Navient accountable for processing my student loan with accuracy as well as consistency. As a result, I am requesting an immediate overview of the accounting processing of this loan to correct the issues cited above. 
Thank you for a prompt response. 
Attachments
Product: Checking or savings account

On XX/XX/year>, I went to this bank to cash a check from my account located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( U.S. Bank ). As soon as I entered the bank branch I was told to sit down. I noticed that there were no tellers or personnel manning the windows where cash is disbursed. I pointed out the teller windows to the two women who were seated across the branch at tables and they both told me to sit down. At this demand to sit down, I made my way to where I have cashed my checks before, telling them annoyingly, that this is where the cash is held and I await them to cash my check. Shockingly, XXXX of the women begrudgingly got up off her chair and stormed up to the teller window, unlocking doors along the way. I told her that ever since I was XXXX years old, this is where checks are to be cashed, money counted, and safely put away in my wallet in relative privacy pointing out the fact that never have I had to sit down at a private desk on the opposite side of the building to cash my checks -- ever. This person rudely stormed off and refused to help me. Then, the other woman came up to the teller window and was unable to open her computer. She then opened my account using her personal cell phone and finally cashed my check. No apologies from anyone. These people obviously need to be fired and properly trained bank officers must be installed to run this branch. I have had very good experiences at other U.S. Bank branches, but not at this XXXX branch.
Product: Checking or savings account

Charged {$74.00} and then {$34.00} for 3 days totaling {$170.00} in fees then an additional {$25.00} fee. This was a bank mistake as I had previously asked for my card to not accept charges of balance is not available. In addition, no where in my agreement with the bank did I agree to being charged multiple fees for same day transactions. They are taking advantage of me by charges multiple fees for the same day of being overdrawn. I was never notified by text or email that the account was overdrawn so I never had a chance to fix it. They sent a letter in the mail which took a week to arrive. I have gave them permission to text and email me so why would they not communicate as soon as this issue has arrived.
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts and hard inquiries off my credit file from XXXX, Equifax, XXXX XXXX immediately. 

XXXX ( FINANCE ) XXXX XXXX XXXX ( FINANCE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Checking or savings account

Capital One Bank my direct deposit was not deposited on my pay date of XX/XX/year>.
Product: Checking or savings account

Went to open account and was told I owe citizens bank that I never opened account number XXXX I contacted citizens and was directed to check systems who I called and told me to put a dispute in I did and called to get my report no one wants to give me info
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported identity theft to each credit reporting agency to support disputes for fraudulent accounts on my credit report. I have submitted FTC reprots, Identification and utility bills to verify my identity. The companies then submit disputes to the creditors involved and are supposed to send the FTC report and ID. When I speak to the creditors, I am told they received Id but no FTC report or they received the FTC report but no ID. 

This has happened with : Experian XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a fraud alert on my credit report on XX/XX/2021 as I noticed several credit inquiries on my credit report. 

Several credit providers rejected the person trying to use my identity. Only one extended credit, Carvana. They sold the person a car and provided him/her a loan on XX/XX/2021. Approximately {$35000.00}. 

I have contacted Carvana several times. I have filed a police report, but they don't like the format. They refuse to remove the item from my credit report. It now shows as delinquent. They want me to jump through several hoops ( including having the police department do things I can't make the do ) before they will remove it. I plan to buy a house in the near future and they are impacting my credit negatively ( my XXXX score dropped over XXXX points ). Carvana has very poor controls and it is impacting consumers.