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

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Balance : {$20000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} ; ( OriginalCreditor : XXXX XXXX ) XXXX Balance : {$0.00}.
Product: Mortgage

In XX/XX/year>, I financed a solar panel system through GoodLeap for {$52000.00}. The system was installed by their XXXX, XXXX XXXX, at my property in XXXX, Texas. Since installation, the system has never worked as promised, and my utility bills have increased instead of decreased, contrary to the representations made during the sales process.

Additionally : No instructions or guidance were provided after installation, leaving me to figure out the system myself.

Despite paying approximately {$21000.00} ( at {$210.00} per month ) over the past three years, the system has failed to provide any measurable savings or benefit. 
I have reached out to GoodLeap and XXXX XXXX numerous times for resolution, but my complaints have been ignored. 
Recently, I received an email from XXXX XXXX representative, XXXX XXXX, acknowledging that : XXXX. Changes in Texas regulations have significantly reduced the efficiency of solar systems like mine. 
XXXX. Other customers have experienced similar issues, with many expressing dissatisfaction and concerns about the systems being ineffective. 
This email demonstrates that both GoodLeap and XXXX XXXX were aware of systemic problems but failed to notify or assist me. Their actions amount to misrepresentation and deceptive trade practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I made a purchase in the amount of {$25.00} on mXXXX XXXX XXXX  card. On XX/XX/XXXX I made a payment in the amount of {$40.00} to XXXX XXXX. On my XX/XX/XXXX billing statement I was notified that my account was past due. I immediately called XXXX XXXX to explain that a payment was made on XX/XX/XXXX. They could not locate the payment and I was told to file a dispute which I did. The results of the dispute arrived in XX/XX/XXXX and indicated that my payment was sent to an account that was discharged in bankruptcy in XXXX and that the balance on that account was over {$800.00}. After receiving the dispute results, I called XXXXXXXX XXXX in XX/XX/XXXX requesting that the funds that were misapplied by TRANSFERRED to the appropriate account. I was assured that would be done and the late fees removed. In XX/XX/XXXX, I received another statement saying that my account was passed due. Again, I immediately called and asked to have the misapplied funds transferred. The associate was very helpful and was honest and revealed that this request would require manager approval, and that the previous associate did not submit the request given the reason that " the customer wished to withdrawal request ''. She assured me that she would submit the funds transfer request. XXXX XX/XX/XXXX I receive another communication from XXXX XXXX stating my account was passed due, and again, I call immediately and initiated a second dispute. This time I was transferred to XXXX and told that they COULD NOT TRANSFER the funds, so they would have to issue a refund. On XX/XX/XXXX I submitted a complaint to the XXXX XXXX XXXX. On XX/XX/XXXX my account was reported delinquent to the credit bureaus. On XX/XX/XXXX I received the refund check for {$40.00} which I must stress, I DID NOT ask for. I wanted the funds TRANSFERRED. I called XXXXXXXX XXXX  that day and during this call the associate was able to remove all but {$2.00} of the associated fess and interest. I told him that I would send payment in the amount of {$27.00} via my bank 's bill pay. On XXXX XXXX XXXX 's received the payment. XXXX XXXX  responded to the XXXX with inaccurate information, and although they have removed the delinquency from my account, they are still reporting my account as " passed due 30 days '' for the month of XXXX to the credit reporting agencies. This " 30 days past due '' is because XXXX XXXX refused to transfer misapplied funds/issue a refund in a timely manner.
Product: Checking or savings account

This is in reference to Wells Fargo case number : XXXX. 

On XX/XX/XXXX, I noticed my small business account balance was {$0.00}, and my account was closed. I contacted the bank and they said they closed my account because the physical address on the account was a XXXX XXXX XXXX. They said they sent notices to the XXXX XXXX XXXX twice requesting the address be updated, then they closed my account and sent a cashier 's check out for the balance of the account. 
They confirmed they did not send any notices to my email address, mailing address, or attempt to call me. The address they had for my physical address contradicts with the records I have at Wells Fargo. 
I told them it was fraud because my address was not a XXXX XXXX and requested they cancel the cashier 's check and reopen the account. They told me they could not cancel the cashier 's check and could not reopen the account. I told them I am out of the country, I can not go into a branch, I do not have access to money because they closed my accounts. I made it clear someone committed fraud. 
I requested records of when and how the address on my account was updated. They told me they do not have the records.
Product: Debt collection

15 U.S.C. 1692c ( c ) states that a debt collector must cease further communication with a consumer if the consumer notifies them in writing that they refuse to pay the debt or wish the debt collector to stop contacting them ; essentially, a consumer has the right to tell a debt collector to stop contacting them regarding a debt by sending a written notice. 

State licenses does not apply this Virginia. This company is illegally collecting on this debt.
Product: Money transfer, virtual currency, or money service

We're based down here in XXXX and used the online service XXXX through Bank of America to do a money transfer to another party who claimed they had tickets. The amount was for {$110.00}. 

We felt comfortable using XXXX, because it was done through the Bank of America system, like any other safe wire transfer. No where on the site does it state it's unsafe, especially against fraud. 

The person didn't send over the tickets and we ultimately got scammed out of the amount. When I called Bank of America, they said there was nothing they could do. And XXXX doesn't do refunds. 

The fraud policy is more ore less hidden when it comes to XXXX transfers on Bank of America 's site, in addition to XXXX. We were unaware we weren't protected.
Product: Checking or savings account

I was charged XXXX dollars from my checking acount for a transaction i didnt authorize because the vendor cancel the service. So i was not supposed to be charge anuthing at all. I try to fix this issue with my bank and i send them a recive that prove the transaction was cancel and also i send them a prove that the vendor send me a medage apologizing for the cabcelation of the transaction
Product: Credit card or prepaid card

I opened a credit card with Chase and paid the annual fee. Chase closed my credit card before and will not refund the annual fee I paid.
Product: Checking or savings account

Wells Fargo contacted me via mail on XX/XX/XXXX, concerning a settlement payment for my checking account, which I closed in XXXX, The settlement was for their illegal actions which they were found guilty of years ago. ( Reference number XXXX ) I called the Product Remediation Department as directed and was told my check would be sent within 20 days. As of today, XX/XX/XXXX, there is no check. When I call them back to ask about the delivery of the check, I have been told that it wasn't processed due to computer errors. The next excuse was holidays. After that, I was told to wait until 30 days. When that time frame came and went it became 45 days. 

Now I'm told that they have over 2 million checks to process and nobody knows when the checks will be mailed. 

At this point I thought I was being scammed. My next move was to call the Wells Fargo customer service number. After this I was told that it is not a scam and I was allowed to file a complaint with Wells Fargo. We are now past 2 months and there are no checks coming at all. I have come to believe they never will. 

I think WF is giving lip service to the courts and doing very little, simply to appear to be working on the problem while they wait out the clock on a court order. What, if anything, can be done to get these checks out of WF? I can hear the conversations in the background when I call. I know I'm not the only person enquiring about my payments.
Product: Vehicle loan or lease

Complaint : Charged {$10.00} Finance fee for making a principal Payment Account : XXXX Bank of America I mailed a {$300.00} check for to B of A for a principal only payment. On XX/XX/XXXX this payment was posted in three parts. A principal payment of {$250.00} ; a payment of {$50.00} of which {$40.00} was applied to principal and {$10.00} was a finance charge. The instruction stated principal only payment. My previous payment of {$440.00} posted on XX/XX/XXXX was the regular payment of P & I. 

* XX/XX/XXXX contacted B of A by online bank secure message outlining the problem * XX/XX/XXXX received response to call them * XX/XX/XXXX responded that the problem was easy to fix, if they need to call they could call me * XX/XX/XXXX a  representative ( or stated so ) called me, identified himself as BofA, started to ask personal identifying information ( which I refused to answer as they called me ) and stated they could not help me if I did not provided personal information. I refused and told them they should just credit back the finance fee. They hung up.
Product: Credit reporting or other personal consumer reports

This is a formal complaint that you are reporting inaccurate credit information on my credit report. The below-referenced account shows the wrong payment information. The incorrect listings are lowering my credit score unnecessarily, and this is also preventing me from purchasing a home. Furthermore, I had an agreement with Coast 2 Coast lenders to remove this account from my credit report once account was paid. The account was satisfactorily paid in XXXX  so I am confused as to why this information is being furnished to XXXX. I am enclosing a copy of my credit report. Please remove this account from my credit report COAST 2 COAST LENDERS XXXX.
Product: Credit reporting or other personal consumer reports

Kindly get rid of these inquiries. I have no information on this matter, and the company proceeded without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has reported this debt on my credit reports as being owed and that is inaccurate. I do not have a signed contract with this company nor an agreement stating i owe this account or company. I have attempted to contact this company on many occasions with no resolution. I have also submitted disputes to all 3 credit bureaus for them to validate this debt and to provide the written and signed contracts for this company reporting the debt as well as verifying and validating the amount owed and the accuracy of this reporting. They are not disputing this with the company nor providing the requested documentation. This still has not been removed from my credit reports which has caused me to be denied for credit and I have advised them of the FCRA laws and requested these be removed. Please request for this to be removed asap. Thanks
Product: Debt collection

I am currently in escrow to purchase a home. My lender ran my credit again as normal procedure and found a collection that was n't in my credit 30 days ago. I am going to lose {$10000.00} deposit if I cancel the escrow due to not being able to qualify because my credit score dropped from XXXX to XXXX because this collection that does not belong to me. Because i was desperate after talking with a collector from Southwest Credit and told him that the social security number that he mentioned trying to verify my identity was NOT my social security number. Again because I went desperate I called again and paid {$180.00} thru the phone automatic system. Payment Conf # XXXX. Later, taking with my landlord and neighbors I discovered that the previous tenant living at XXXX Ca XXXX, was also named XXXX. Again, This account is not mine,
Product: Debt collection

I was sent a letter by XXXX XXXX XXXX, Attorneys at Law in XXXX stating that they are attempting to collect a debt on behalf of XXXX XXXX, XXXX for a debt I allegedly owe to XXXX for account number XXXX. 

I had a third party credit reporting agency contact XXXX XXXX XXXX to obtain the account number and verify the debt. The resulting report is attached. The account at XXXX XXXX XXXX was reported to the third party credit reporting agency as Charged Off. I assume because they were not able to verify it was mine. 

The third party credit reporting agency also contacted XXXX on my behalf. XXXX was not able to produce any such account. This account does not appear on any of my three credit reports. It does not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I write this on Sunday XX/XX/XXXX several days after the announcement of the XXXX data breech. I have tried without success for the past week to register either a credit report freeze or a 90 day fraud alert with Experian because of the XXXX data breech. During the entire week of XX/XX/XXXX - XX/XX/XXXX the Experian web site has locked out the ability of consumers to submit either a freeze or a fraud alert. Their page locks into a page " loading '' condition which never actual loads in the page for a consumer to submit a request. 

I understand the uniqueness of the XXXX breech and the enormous load it likely put on the credit agencies systems. But XXXX and XXXX have been up and running for days at this point while Experian remains inaccessible. 

I have been diligent over the years in protecting all of my data. The fact that one of the agencies has had a catastrophic failure and that one of their associates has " locked '' out consumers needs to be investigated.
Product: Debt collection

The account was opened on XX/XX/XXXX the company never provided any debt verification letter in the 30 day timeframe before reporting or after reporting to any credit bureau to verify the information is accurate or inaccurate. The company used tactics like emailing from a email by the name of XXXX and not the companies name so each email went to spam, I am assuming the company did this to avoid me finding out about the inaccurate information they are reporting. The company also never sent anything by mail and admitted to this by phone call XX/XX/XXXX the manager stated the XXXX ( someone who is not associated with the collection company ) sent me by mail a goodbye letter ; in which I advised I never received and she stated well they did and that the collection company did not have to send me anything. When asking for debt verification letters by phone and purchase agreement the company advised they were not aware if they could and stated they did not know what mail goes out. 

Please assist me with disputing this information from all three credit bureau 's immediately as the information is inaccurate and the collection company is attempting to do shady business.
Product: Checking or savings account

This complaint is regarding TRUIST and their transaction/withdrawal timing. 

I have made a transaction to make a credit card payment with a different company on XX/XX/year>2025. I requested to have the transaction completed immediately so the posted date was the next day ( XX/XX/year>2025 ). This wouldn't happen if I did not have sufficient funds in my Truist account, so the transaction did go through right away. However, Truist had the amount come out XX/XX/year>2025 causing an overdraft fee. 

This has happened before where the timing of the withdrawals caused multiple overdraft fees. The timing does not add up and is very sketchy. The last time this happened, they didn't offer an explanation why my transaction was delayed a week, they just refunded the overdraft fee. Truist is scamming people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from XXXX XXXX that my score had changed. When I went to the Equifax site I could not log in because I forgot my password. There is a reset button that I clicked to get an reset by email. The email never came. When I called I got an automated line that started off in English but continued in XXXX for the remainder of the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Account was disputed and deleted by the credit bureau ( Transunion ) in XX/XX/2018, it was then sold to another debt collector and is being reported again illegally and Transunion has allowed this!
Product: Mortgage

My mortgage company, XXXX Mortgage, has prolonged the loan assumption process since XXXX of XXXX. They piece mailed the potential buyer XXXX different parts of the application package XXXX weeks apart and advised it's in underwriting being reviewed by management on XX/XX/year>. I called the VA XXXX XXXX department and they have no notes and did not receive a loan assumption package. This has been ongoing for 5 months now and we have depleted our savings. The builder on the new property will not continue to extend our contract and we are risking becoming homeless if we don't close in the next month. Each month we have to pay the builder {$900.00} to prevent them putting out house back on the market and to keep our mortgage rate.
Product: Mortgage

I had a house fire last XXXX ( 2018 ). I worked through my insurance company : they determined the amount of money for reconstruction of the house and sent the money directly to Ditech, my mortgage company at the time. 

When I presented with the contract to sign in XXXX to begin work, the project manager presented me with 2 checks from Ditech amounting to about 50 % of the total they had received. I was surprised, since the second check was due later in the project, but I was eager to get the work started and so signed both as requested. 

About 3 weeks later, Ditech sent a third check for a little less than one-half of the remaining money. I called Ditech and they told me to hold on to it until the right time, and then cash it. Unfortunately, that time hasnt come yet and the check expired in early XXXX. 

Ive been contacting Ditech since XXXX, both by phone and after the beginning of the year also their online submission. I havent gotten a satisfactory response. After Ditech transferred my loan to XXXX, I attempted to confirm the transfer of the claim money. Not all the money was transferred. I obtained check amounts by phone from Ditech and did the math. Not only was the amount of the uncashed check not included, but almost {$8000.00} was missing from the amount originally sent by my insurance company. 

I have sent emails with details, plus certified letters, but again, no response. It hasnt been that long since I sent these most recent queries, but given Ditechs Chapter XXXX status, and the lack of meaningful response since last XXXX, Im not hopeful. 

My accounting ( an estimate since I haven't been able to get any documentation ) is that Ditech is holding about {$43000.00} that they should have transferred to XXXX.
Product: Credit card

This late payment is incorrect given my history of timely payments. I request its removal and a quick update to my account.
Product: Checking or savings account

Unauthorized withdrawls XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX Did credit my account and then took the money back When i tried to calling to resolve. Banker just hung up the phone and was given a email to contact some which is not exist XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PRA is continuing to illegally report monthly on my credit reports as a factoring company. PRA is a 'junk buyer ' and does not qualify as a factoring company. They also have continued to report a balance monthly, as well as reporting as the direct account owner with XXXX. This is a violation of the FCRA, as well as a violation of the terms of their consent order. They continued to contact me illegally as well and have denied this despite offering no proof. They called my father and my work after repeated requests to stop contacting me. They have also continued to claim they have sent me debt validation and information about my account balance, but have failed to provide either. 

It's clear from the below article and consent order that PRA is continuing their predatory practices and their refusal to provide information to me is a direct violation of this. 

https : //www.consumerfinance.govXXXX XXXX XXXX XXXX   They have also 'soft pulled ' my credit numerous times, in what I assume is an attempt to continue their practices and looking for new ways to contact me illegally.