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

I am a XXXXXXXX XXXX veteran and upstanding citizen. My wife and I wanted to bring about positive change to our environment. Set a good example for our children. We wanted to be a part of change and ensure economically we would see some benefit down the road. We purchased an electric vehicle that has now been lemon-ed and purchased solar panels whom we believed to be a reputable company due to their relationship with many large organizations like XXXX. 

XXXX  formerly XXXX XXXX  was the lender for XXXX XXXX formerly XXXX XXXX XXXX. 
This lender is a predatory lender by definition, as they were continuing to provide loans and funding for services that were under investigation by a company that was being reported to them consistently. They continued to lend at higher rates than the market average and continued to allow XXXX XXXX staff to manipulate data to push these loans through. They performed no safety or secondary accountability measures that would be expected for a loan of this size. 

When the Attorney General of XXXX  stated for consumers to stop paying, they then reported our account to our credit agencies even after disputing the account, my excellent credit history has now been significantly damaged. 
I am now ineligible for certain career options I was attempting to inquire on. 

My system is still not functioning as detailed when contracted. Our system is considered a fire hazard as it was built inside the home without the required fire wall and equipment necessary to ensure the home is protected from damage. 
There is damage to our roof. The batteries are no longer producing as expected. 
XXXX XXXX XXXX XXXX has declared bankruptcy, therefore their warranty is now non-existent, which per the contract is supposed to go to XXXX, and yet they are continuing to state they are not responsible for getting our home safe and will not settle the debt with us, so we can use our own funds to ensure our home and family 's safety. 

Meanwhile, XXXX has a role in this as well, as their equipment is faulty and they have done very little in ensuring this is addressed appropriately. 

We are stuck with a loan for equipment that is not safe, has brought damage to our home, and has not saved us any money on our energy consumption or costs. 

It was only after stopping payments as advised by XXXX Attorney General, that they finally sent someone out to look at our system. However, we then agreed to pay in hopes of getting our system fixed or a settlement as even XXXX whom they sent out already stated it was not up to fire code, and could not fix the issue we were having.

They still submitted notice of non-payment even after we paid to the 3 credit bureaus.
Product: Debt collection

I received a debt collection letter on or about XX/XX/23 stating that I owed XXXX XXXX {$300.00}. I immediately called CCS the ssame day to request a debt verification letter. I wsa told it would be sent out and should taake a week to ten days. 

On XX/XX/23 I called again because I did not receive the letter. I was told again that a letter would be sent. 

On XX/XX/23 I mailed a letter requesting the debt verificationn letter since I still had not received the letter. 

Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX XXXX File Number : XXXX XXXX XXXX I logged into my inactive XXXX XXXX  account and it shows a {$0.00} balance. In addition, XXXX would not have allowed our two phone numbers to be ported out if there was any balance due.
Product: Credit card or prepaid card

I have a credit card with my Regions bank. I paid off the balance of that card on XX/XX/23 in the amount of {$9500.00}. I then get another bill of {$120.00} on XX/XX/23! I called them and they said this is a " trailing interest ''. 

Paying off a full amount is a huge deal, and then seeing more bill afterwards is just not right?!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX /XXXX XX/XX/XXXX /XXXX XXXX XX/XX/XXXX./XXXX XX/XX/XXXX /XXXX XX/XX/XXXX /XXXXXX/XX/XXXX /XXXX XX/XX/XXXX /XXXX XX/XX/XXXX /XXXX XX/XX/XXXX /XXXX XX/XX/XXXX /XXXX XX/XX/XXXX /XXXX XX/XX/XXXX /XXXX  XX/XX/XXXX /XXXX XX/XX/XXXX /XXXX XX/XX/XXXX /XXXX XX/XX/XXXX all these inquires are from auto dealers i did not authorized please help thanks
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I have three charge off payments on an account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : XXXX XXXX XXXX XXXX  ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution!
Product: Mortgage

My XX/XX/XXXX taxes which are escrowed were not paid according to my legal signed wishes. I was told i didn't send in my Wisconsin Escrow Option, which in essence was signed during my closing on XX/XX/XXXX. After I contacted them after realizing I had not received a receipt like I normally do that is what I was told. I was then told to send in my copy of the document, which they should have had on file, it was part of my closing documents, everything else got updated accordingly, my mortgage statements come and get paid. I did that and send it to the research department. I did that and I received a letter dated XX/XX/19 stating that they did not receive a copy in time and they defaulted me to option 3, which states : The Lender will pay the property taxes when due from my escrow account. I selected option 2 : The Lender will pay the property taxes from my escrow account by by XX/XX/XXXX ... with other parameters to do so. My document is legal and binding just as every other document that I signed to refinance my loan, I feel just we are sorry you are not happy with your experience is not enough. I feel they are very callous and really unconcerned, still didn't opt to my chosen option even after providing them with the document they should have had on file. I had to call in to find out no, they didn't do anything to get the payment in and also had chose still the default option. The customer service rep updated to my option 2, upon me calling me. This is unacceptable and I want it reported, I have to suffer for my XX/XX/XXXX non payment of property taxes for filing my XX/XX/XXXX taxes now ...
Product: Debt collection

Wes banco I paid them 6 1/2 years ago and I would like it off my credit.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report again, I discovered that some of the accounts were erroneous. The 3 credit bureaus must validate these accounts : XXXX XXXXXXXX Balance : {$800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX Balance : {$970.00} XXXX XXXXXXXX Balance : {$620000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00}
Product: Credit card or prepaid card

My credit card was declined today at point-of-sale for no obvious reason. I called TD Bank to find out why, they advised me a piece of mail was returned, and subsequently they froze my credit card. 

The returned mail is an issue with the local post office, which I am addressing, TD Bank had my correct address. I am deeply upset by TD Bank freezing my credit card while making no attempt to contact me. This is not a new card, it is a long established one with a positive payment history and zero fraud, so why would they just freeze it without reaching out? They have an accurate phone number and e-mail address on file for me but made no effort to reach out via either.

Their customer service rep was not empowered to offer me any sort of courtesy credit for the inconvenience/embarrassment of the declined card, which cost me real money as I was compelled to withdraw cash from a ATM with hefty conveience fee to complete my transaction. Nor could the CSR assure me that the card would not be likewise frozen in the future, should the post office bounce mail in the future, which seems likely as I have had this issue with other mail and can not promise the post office will fix it in a timely manner.
Product: Debt collection

This relates to this already filed complaint # XXXX, Company has reach out to me with the attached email. However it must be established that I never took any students loan from them nor did I owe XXXX XXXX any fees, but they ( Tuition Options ) connived with XXXX XXXX and made me pay so far an amount to the tune of $ XXXX.This is what I need back with its accrued interest. I need all the payments I made to them back with interest. I am not sure what they want me to sign on the attached email. 

Please help me get my monies back. 

Thanks,
Product: Credit reporting or other personal consumer reports

I have a few inquiries on my credit report unknown companies. Please remove these from my credit report 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap.
Product: Debt collection

On XX/XX/XXXX I pulled a copy of my credit report and notice Portfolio Recovery Associates reporting derogatory information. I wrote asking them to verify and validate the debt and they responded with some paperwork that have me even more lost than before. Portfolio Recovery Associates did not send me what I asked for to properly validate the debt, which is a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided.
Product: Mortgage

This concerns Bank of America for primary property. 

Bank took XXXX XXXX payment from my funding account. Then on XX/XX/31, bank indicates a returned payment ( although the money came from my funding account ) fee of {$40.00}, plus a late charge of {$200.00}. In addition, now on XXXX statement, bank indicates I am a month past due on mortgage payment, although all payments have been made. 

Bank also has a series of {$12.00} unexplained payment processing charges going back several months. 

I am unable to get through to anyone at the bank. Have talked twice to " social media staff ' who have been unable to tell me anything.
Product: Credit card

I believe the account is invalid. BEST BUY/Citibank North America needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.BEST BUY/Citibank North America XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion due to their failure to address my dispute of unauthorized inquiries within the legally mandated timeframe. I sent a cfpb complaint on XX/XX/XXXX which was ignored. The complaint id is XXXX. I sent a dated and time-stamped dispute letter on XX/XX/XXXX ( attached ), detailing that certain inquiries on my report were unauthorized and accompanied by an FTC report as evidence. Under U.S. law, these inquiries must be removed promptly. Over 30 days have passed with no acknowledgment or corrective action taken by Transunion. I, XXXX XXXX, confirm that the following accounts were unauthorized and are to be removed from my credit report : 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
Product: Checking or savings account

I received a letter in the mail saying my account was closed, but I have never opened an account with Bank of America. The account was opened on XX/XX/2023 where they proceeded to do 19 XXXX transfers amounting to {$560.00}. Most of the funds were withdrawn and it is left with {$29.00}. I have contacted Bank of America to report this to the fraud department and declined to provide further identification as I do not feel comfortable with my valuable information. They have the incorrect email on file despite countless corrections. I called today XX/XX/2023 to inquire about the status and my claim has not been processed yet.
Product: Credit reporting or other personal consumer reports

Greetings, My name is XXXX XXXX XXXX, Ive been having some preoccupations related to a credit card XXXX  from First Bank XXXX XXXX with a credit limit of {$5000.00}. 

Ive used it and paid it very soon, by on XXXX XXXX I used {$1900.00} aprox. And the bank on XX/XX/XXXX my credit score in XXXX XXXX went down about XXXX points! I mean, have other credit cards and I used them and pay fast to maintain and grow my credit score and history as Im a business person and if it wasnt for my XXXX credit card which increased my credit line and made my credit score a bit up my credit score would have gone way more down.Im working with the bank on a mortgage and this could affect me and obstruct my transaction. 

I paid the amount used on the card, Terrified about what I was looking at, but the bank only reported the credit card balance on {$0.00} but didnt gave me back my points. 

How I see it, its not cost effective to use a credit card which for such a small amount of money ( didnt reach the 50 % use ) takes down your credit score in less than a week but dont report it back as it was. On XXXX I Have as score of XXXX and it should be the same on XXXX XXXX and XXXX.
Product: Debt collection

I am writing to bring to your attention a matter of significant concern regarding the inconsistent reporting of fraudulent accounts on my credit report. Upon reviewing my credit report, I have observed that the status of these accounts changes every month, indicating a potential glitch or error in the reporting process. This inconsistency is not only confusing but also damaging to my credit record. 
XXXX XXXXXXXX -  XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable XXXX XXXX  XXXX XXXX .... - XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable XXXX XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable I have taken the necessary steps to dispute these fraudulent accounts as they are inaccurately reflected on my credit report. However, the constant change in status every month raises suspicion that there might be a technical issue or glitch within your reporting system. 
It is crucial to understand that this inconsistency is not only impacting my credit score but also creating an environment of uncertainty and confusion. I strongly believe that the fluctuating status of these accounts is indicative of a system error rather than an accurate representation of my credit history.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protextion Bureau ( CFFB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX {$720.00}, XXXX XXXX {$12000.00}, XXXX XXXX XXXX XXXX {$17000.00} PAST DUE {$19000.00}XXXX XXXX BALANCE {$1400.00}, XXXX  BALANCE {$3300.00}, XXXX XXXX BALANCE {$1000.00} XXXX
Product: Credit card or prepaid card

Hello i have late payments with Wells Fargo credit card and this was due to me being in XXXX XXXX Military ( XXXX ). I left to basic training in XXXX and came back in XXXX. During this time i did not have access to internet nor could i pay off any of my credit card debt because of this. Since i was not able to make any payments in XXXX XXXX and XXXX I was penalized for no payment of these accounts. When I was able to i paid off the account in full and no longer had any debt with Wells Fargo.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but XXXX account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX & XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THIS ACCOUNT NUMBEROUS TIMES WITH THE CREDIT BUREAUS THIS IS NOT MY ACCOUNT
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. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX : XXXX XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX Balance XXXX {$2100.00} XXXX : XXXX XXXX XXXX Balance : {$560.00} TransUnion : XXXX XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX Balance : {$2100.00}
Product: Debt collection

I received a collection notice in the mail from Mountain Run Solutuons on Saturday, XX/XX/XXXX, XXXX I dont have any collection accounts and pay my bills on time. I was a little bit taken aback by a collection notice. I called them to find out more information. The rep told me that this was from an old home security system that was charged off in XXXX. First of all, I pay every bill when its due. This is not my debt. However, my bigger concern is that this company used deceptive business practices to try to collect money from me. The first person I spoke with told me they have been sending notices to my home address since XX/XX/XXXX. I didnt live in this house at that time, so I knew this wasnt truthful. It was then that I was shocked by the deception and asked to speak to a supervisor. When I called back when the supervisor ( XXXX ) was on duty, she confirmed that I could be sued for this debt. But, from my research it seems its past the statute of limitations for legal action in my state. When I mentioned this, she got very defensive and said that I can report this to whoever I wanted but refused to give me an internal name I could write to. She continued to treat me as a low life person who simply refuses to pay bills by saying, you can report this to whoever you want, but you still have to pay your bills! I felt belittled by her implications. I plan to dispute this {$370.00} debt when it comes on my credit, but my bigger concern was their deceptive and bullying practices. These type of tactics can be very intimidating to the average consumer. I felt it important to notify the FTC.
Product: Credit reporting or other personal consumer reports

XX/XX/2022 I obtainted a XXXX XXXX Loan with XXXX credit which made a legal inquiry on my report, somehow, all these other inquiries were made which i did not apporve of, I have tried disputing these through the credit bureaus but not getting anywhere. 

- XXXX XXXX  - XX/XX/XXXX and XX/XX/XXXX, XXXX unsure why this is showing twice - XXXX XXXX XXXXXXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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

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

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


Update the late payments from my consumer reports