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

We entered into an Agreement with XXXX XXXX in XX/XX/XXXX for a new roof and solar system. The project was supposed to be 3-6 months and we are at 9 months now with no completion. They damaged our house on roof install and will not fix despite having a warranty. The solar panels are non operational as of XX/XX/XXXX which they have known since install at XX/XX/XXXX yet they were paid by Dividend finance for a completed project, and we are having to pay the electric bill and pay Dividend the financing of the system that does not work. They have stated they are short staffed and can't fix timely. We are unable to get any other person to speak with us besides who sold us the XXXX system. The finance company does not care if the system works, they stated it is not part of their process to ensure it functions prior to payment. We have attempted for months to resolve with XXXX  with no success. I am afraid if we don't pay the loan for a lemon system and a servicer who is in breach of their servicing agreement my kids and I will lose our house. I feel like we were completely taken advantage of and misled by their products and services. They stated to us that they are going through transitions and have staffing issues, but I feel we have no recourse, and no one cares that they are misleading consumers and not fulfilling their end of the contract. I am looking to trying to obtain legal help but this company is fraudulent and using misleading and outright lies about their products. Other consumers should avoid them at all costs. I have months of emails of us trying to resolve issues to no avail. Below is the cert and licensing numbers Cert # : XXXX Cert # : XXXX Cert # : XXXX HIC # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX credit card that was paid in full prior to me filing chapter XXXX bankruptcy-zero balance. Since I had to file bankruptcy, this particular card was included in my bankruptcy petition with XXXX owing. However, the information that had already been reported was re-reported to XXXX and Equifax by this creditor in error. This information that was re-reported caused my credit score to take a huge dip of XXXX points! 
I contacted the creditor and they advised me that they reported a zero balance account on XXXX/XXXX/XXXX and had no language that should have caused a dip in score. The credit bureaus advised that this is how it was reported, so I 'm at a loss! 
Also, the address on my credit reports isnt correct. My address is showing XXXX XXXX XXXX Kansas XXXX XXXX MO XXXX on XXXX and showing XXXX XXXX XXXX XXXX APT XXXX Kansas XXXX XXXX MO XXXX on Equifax-I have submitted documentation proving my address/idenity/etc, and to no avail, they wont update it! I was advised by Equifax to resend the info that I 've mailed and faxed previously.
Product: Vehicle loan or lease

Please find the following two letters I wrote to Hyundai Motor Finance below : 1 ) Please contact credit bureaus to have Hyundai be removed from my credit. I spoke with XXXX in your office on XX/XX/XXXX. She told me to send documentation along with this note. Please find documentation included with this note needed to remove Hyundai from my credit report. Documentation included : are XXXX XXXX XXXX and Payment History. - Lease was extended beyond maturity date - I was awaiting confirmation from Hyundai that it would be OK - Once I received approval I made payment ( s ) within 30 days, which can not be reported to Bureaus or negatively impact someones credit 2 ) To whom it may concern, While applying for a home mortgage this year, I was informed that I had something on my credit report from Hyundai. I called Hyundai after finding this out, not knowing what it was in regards to. Hyundai told me over the phone that they did not know either and that they would contact the credit dispute department to request it be removed. I recently followed back up with Hyundai, because I never heard back. I explained to them that I had an auto lease that expired in XXXX. I returned the vehicle with no issues or any payments still to be made. I followed up with a phone call to Hyundai to confirm this and was told everything was fine. Come to find out recently, I was told that there was a late payment on my previous account and that was reported to the credit bureaus. I was never notified of this. Then, after returning the vehicle back in - I was told everything was all set, which was in fact not true. I am writing to request that you please contact the credit bureaus and have Hyundai remove this from my credit. I would appreciate a follow-up response to this request as soon as possible. ( Disputing Amount is {$370.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Mortgage # XXXX has re-aged this item thus violated my rights according to the FCRA. 

It's clear that the first date of continuous delinquency on this item is XX/XX/XXXX. ( See the attached reporting of this listing ) Per the FCRA items should no longer report after 7 years. 

Chase MTG has now placed the item as a Charge-Off with a NEW RECENT date as of XX/XX/XXXX ; which clearly is inaccurate. My previous report from XX/XX/XXXX reported this item as Charge-Off on XX/XX/XXXX. Chase has re-aged this item and has caused further damage to my credit. 

I've attached print screen copies of my credit report from XX/XX/XXXX showing that they've re-aged the item. I've also attached credit report print screen for report dated XX/XX/XXXX reporting a charge-off date of XX/XX/XXXX. 
The FCRA clearly states that the information on the credit report must be accurate or the inaccurate information must be removed. It is evident that I can not trust neither reporting and request that this item be removed from my file immediately. 

In addition, the new reporting of this item as a NEW Charge-Off from XX/XX/XXXX appears to be retaliatory reporting from Chase so that this item appears as a NEW derogatory account to other potential creditors ( which it clearly is not ). A Charge-Off is an accounting practice where the banks must move aged collectible debt out of their asset column for accounting purposes, therefore it is a single one time event not a status that can be reported month after month ; as they do not move the debt back and forth in their balance sheet. 

The FCRA provides relief to consumers in that after 7 years items are to be deleted from the credit report and also prohibits retaliatory misconduct from creditors. In which Chase clearly has no regard for following the procedures as outlined in the FCRA. 

Currently this retaliatory reporting is damaging and preventing me from obtaining my personal financing. 

I am disputing this with the aid and support of the Consumer Financial Protection Bureau and request that my rights be protected as outlined in the FCRA. Furthermore these discrepancies in reporting lead me to believe that their data is inaccurate, and thus can not trust ANY of their data in reporting to the credit bureaus. How can they report year after year one information and then change it. How can I as a consumer trust that they've reported correct information? 

I went through the same dispute process with XXXX XXXX XXXX who was reporting the First Mortgage inaccurate as well. They also had re-aged the listing, but have now fixed the reporting. Attached is a copy of the letter they sent me dated XX/XX/XXXX stating they would be removing the inaccurate information. 

The only acceptable resolution to this matter is the immediate deletion of the INACCURATE listing, remove this item from my credit report.
Product: Checking or savings account

Me and my XXXX XXXX XXXX son were customers with Chase bank and recently they told us they were closing our accounts without our knowledge. We both currently have money still in there and they wont release the funds. XXXX called them numerous times, Ive filed with the XXXX and other agencies and no response. Now my utilities are at risk to get shut off due to them not even letting us withdrawal the funds and be done with them. My son has over {$500.00} in his account and I have {$1300.00} in mine. They told my son on XX/XX/XXXX they would mail out a cashiers check but have failed to do so. Im at a loss on what to do I need help ASAP.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Acount Name : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states that I have right to privacy. 15 U.S.C 1681 section 604 Scetion 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records pf convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested on three separate occasions in 2021, for Transunion to verify that they are reporting accurate and complete information on my credit one account. 4 months later, nothing has been done.

They are reporting a charge off account- with no history and I am unable to verify this account.
Product: Mortgage

I started the modification process in May with PHH Mortgage  Company. I started sending documentation through their online portal. I called often to check on the status of my modification package and each time I was told I was missing documentation, that was already sent. I would resend the requested documentation and follow up with a call where I was told that I had other documentation missing. This continued until XXXX. In XXXX I was locked out of the online portal which said the username and password were wrong. I tried changing the password and eventually called the tech help number. They told me they couldn't get me into the portal. At that point I called and got the paperwork to resubmit the ENTIRE package again, this time through email. Again, I was told repeatedly that I had missing paperwork and that I submitted the " old '' hardship paperwork. I turned in the " new '' hardship paperwork and waited. When I called to follow up I asked to talk to a supervisor. I was put on with a supervisor that immediately emailed me the " new '' hardship paperwork in which I immediately filled out and sent back to her. I called on XX/XX/2019 to follow up and she said the dates were wrong and that I needed to send in the tax returns page 2 again. I did so immediately and she emailed me back that everything was in and and she was going to be out of the office until after XXXX and she would get in touch with me on Friday after XXXX when she returned to work. I never heard from her on Friday the XXXX in which I emailed her but the email came back that the email address didn't exist. I called her direct line today and extension and it said the number was disconnected. Throughout this whole process I was assigned a " relationship manager '' in which I never spoke to once. I spoke to someone different each time I called. I asked to have an appointment with the " relationship manager ''  and was told they do not make appointments. I received a certified letter on XX/XX/2019 and summons papers that my house is in foreclosure.
Product: Payday loan, title loan, personal loan, or advance loan

I repaid my payday loan with amscott back in XXXX when I cashed a check there. They are now saying I have an open loan from XXXX. 
That is completely untrue and is causing problems
Product: Credit card or prepaid card

4 chargebacks requested have been receiced back as credits the interest charges while awaiting 8 months for chargebacks are as follows : XX/XX/XXXX thru XX/XX/XXXX total XXXX $ Credits given for interest as follows : XX/XX/XXXX ( two entries ) XXXX and {$1.00} {$47.00} less {$42.00} = {$5.00} still due to zero interest out
Product: Credit reporting or other personal consumer reports

My account with XXXX  AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH 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 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 reported in 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  AND 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 reporting, credit repair services, or other personal consumer reports

I was a victim of fraud. I did the proper paperwork with the police department and Ftc. I submitted a list of accounts, the police report, ID and proof of address. I submitted this information on XX/XX/XXXX. XXXX and XXXX removed the information in less than 5 business days. Equifax has refused to review the police report, supporting documentation etc. They told me that the have to verify it from the creditor and not the police report or affidavits. This is a clear violation. I spoke with a manager on XX/XX/XXXXaround XXXX est and was advised could take another 30 days. In the meantime my ability to pass a background check for employment as well as extensions of credit is greatly impeeded.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for the immediate removal of unauthorized hard inquiries that have been reported on my credit report. Upon reviewing my credit report, I have identified the following inquiries that were made without my knowledge or consent XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XXXX XXXX XXXX XXXX XXXX  - Inquiry Date : XXXX XXXX XXXX XXXX XXXX  - Inquiry Date : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a credit reporting agency may only furnish a consumer report under specific circumstances, including when the consumer has given explicit authorization for the inquiry. I hereby assert that I did not authorize any of the above-listed entities to conduct a hard inquiry on my credit report. As such, these inquiries are unauthorized and must be removed immediately.

Failure to remove these unauthorized inquiries may constitute a violation of the FCRA, and I am prepared to take further legal action if necessary, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any other legal remedies available to me under federal and state law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following Inquiries Are Not Mine, I AM STATING THAT I EXPLICITLY DID NOT AUTHORIZE THESE CREDIT INQUIRIES. 
They are invalid and were not performed by me - thus please delete them. 

XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Mortgage owe XXXX due to signing up for a deferment while COVID was going on
Product: Vehicle loan or lease

On XX/XX/XXXX I contacted Lendmark Financial ( XXXX location ) and spoke to XXXX XXXX, the Manager II, after my vehicle was repossessed on XX/XX/XXXX. I inquired about the amount owed, and to possibly gain possession of the vehicle and the vehicle location to collect my personal effects. XXXX XXXX was very unprofessional and verbally abusive, by shouting and making comments to humiliate, belittle, and denigrate me. Little to no effort was put into resolving the matter to either collect my belongings or the possible recovery of my vehicle. I was told the vehicle location was unknown and in a condescending, sarcastic way told the information would be put at the top of their priority list. When asked to speak to their Sr. I was promptly told that she was the manager. XXXX XXXX is a habitual violator of the FDCPA rules and regulations and uses methods of intimidation that no company employee should ever be acceptable to use.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I am reviewing my credit report I noticed that it contains Credit Inquiries, I have never give permission to these companies to pull my report. That is illegal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX Date : XXXX/XXXX/2025 To : FactorTrust , Inc. XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Product: Student loan

I attended a college that was fraudulently pushing degrees and were advocating for students to take out more then they needed to pay for what ever they wanted. The college also knew I signed up for XXXX XXXX degree but after I started the next semester they discontinued the degree program. Navient has taken over all my loans and I even filed bankruptcy in 2016 but still owe. The interest is double of what the tuition was and they kept telling me I could keep going in to deferrement if I wanted but didnt explain how much it would cost me in interest.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, This Creditor Comenity Capital/Sephora has violated my rights. 
15 USC 1681 : Section 602 states I have the right to privacy.

15 USC 1681 : Section 6 04 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USCS 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late payment for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX or XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX or XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Citi Bank Sears Shop Your Way Card has charged me late fees three times this year ( XXXX, XXXX and now XXXX ) with no late payments. Two of the three late fees were refunded, I have demanded a refund on the latest late fees as well. Three times for such errors is unacceptable and obviously could greatly increase their revenue while affecting their credit holders who potentially don't even know this is happening.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXXXXXX 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 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.