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

I am filing a complaint against Kimball Tirey & St John, because I believe they are validating my consumer rights. The Fair Credit Reporting Act requires that they accurately and fairly report debts, yet, they are attempting to collect on debt that is not valid. 

In XX/XX/2017, I lived in government housing on a XXXX installation. XXXX XXXX XXXX was the property manager. While living in housing, I received an electricity bill, which I immediately disputed because the bill seemed extremely high. At the time, XXXX XXXX XXXX ignored my complaint, and my account went to collections. Later that year, the military installation opened an investigation into the utility billing. The program had come under fire for inaccurate monitoring, resulting in anecdotal reports of unearned overcharges and other inequities. As a result of the investigation in XX/XX/XXXX, XXXX XXXX, acting assistant secretary of defense for sustainment, signed the XXXX XXXX XXXX XXXX, which directed the immediate suspension of the XXXX utility billing program, also known as resident energy conservation program ( XXXX ), and dismissed all debts associated. Below, I have provided a link related to this topic : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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. 

Although, this debt has been dismissed Kimball Tirey & St John continues to report a debt on my credit report in the amount of {$1400.00}. I would like this debt immediately removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called Early Warning Services to get my free consumer report after being denied a checking account with XXXX bank. My regular credit reports are clean ( I see the soft inquiry from XXXX on my credit report ) and I got my XXXX XXXX report easily and its clean ( XXXX recent inquiries ). I've done business with same bank for over a decade and it is and has been in good standing. My current bank doesn't use or report to XXXX. This only leaves one possibility and that is Early Warning Services which still hasn't provided my report after 25 days. I get the run around each time I call them. I provided a copy of my government issued photo ID, proof of address and anything else they asked including the credit history questions. They said I will have it in 15 days and that came and went. Each time I call they say oh it takes time. We need another 15 days and another. I can pull all of my other reports annually without a problem and didn't even know what early warning services was until now. This is the worst experience I have ever had trying to get one of my consumer reports. A reporting agency that is owned by the banks that use it is clearly a conflict of interest.
Product: Credit reporting or other personal consumer reports

requesting the purchase agreement for this account, I am not sure that this is my debt or that this should be under my name. I would like to see the purchase agreement.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year>. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : The payment for XX/XX/year> was made on time. However, due to a clerical error by the bank, the payment was incorrectly processed, leading to a wrongful late payment mark on my account. I have attached the bank statement and payment confirmation as evidence to support my claim. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I saw accounts that did not belong to me and also had a police report for identity theft. Ive disputed, called and sent letters to Experian and followed their entire disputed process for over the 3 years. Theyve failed to investigate and return disputes within 24 hours as verified as accurate or validated.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to REMOVE this suspicious information. 3 Credit Bureaus must validate these ITEMS by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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: Payday loan, title loan, or personal loan

- I recently ( summer 2019 ) initiated a loan payoff from Lending Club 's website ( www.lendingclub.com ). 
///// - I was given a clear payoff amount, with no disclaimers that this was not the preferred way to pay off a loan. I have screenshots to back this up. 
///// - The payoff amount indicated that this would cover 100 % of what I owed Lending Club. 
///// - The payment history on my account reflected the payoff amount, including interest, to the loan. 
///// - When I logged into my account after the full loan payoff amount was posted, I was shocked to see an additional interest charge that meant my account was not closed. 
///// - When I emailed and called Lending Club, they were adamant that I should have gotten a disclaimer indicating that paying a loan off online was not possible. Or that if it was possible, I should have received notification that the payoff amount was not accurate. I find this difficult to believe because : ///// - - 1 ) The agent gave conflicting information ( that it should not have been possible, and then that I should have gotten a notification that it's possible but not accurate ) ///// - - 2 ) The agent indicated that their " internal systems '' showed the correct amount, and that the web UI is not accurate. I find this alarming, and fraudulent. 
///// - - 3 ) The agent indicated that the loan payoff amount was for principal only, and did include interest. This is false, as my payment history for the loan payoff amount includes a breakdown of exactly how much interest was included in the payoff payment. 
///// When I submitted the payoff payment, I was given a congratulatory screen indicating that all was good, and that I had successfully paid off my account. 
///// Lending Club has began to answer my inquiries by telling me that they are recording my calls and are from the " Debt Collection Department '', which seems quite aggressive considering I paid of a 3 year loan in under 6 months. 
///// My opinion of Lending Club is that they are quickly headed down the path of predatory lending practices. 
///// Additionally, in their help center online, they indicate that paying a loan off online is possible and includes interest. 
///// > If you're ready to pay off your loan, congratulations! That's a big financial achievement. You can make the payment right from your account. The payoff amount includes your remaining principal balance and interest. Once you pay off your loan, you wont owe any additional interest and your monthly payments will end. 
///// XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft and I have requested validation and verification of erroneous accounts that are listed on my credit profile that's reporting to XXXX, Equifax and XXXX. I've provided proof of my police report to them all. After 30 days I received a response that it was deleted and then placed back onto my credit profile and I was not notified within the XXXX business days for reinsertion. They did not give me the method in which they used. According to the FCRA credit reporting agencies are required to provide proof and the method of verification as well as validation upon request. This includes the name, address and phone number of the verifying individual. These credit bureaus violated the FCRA by not complying with its guidelines. This is direct infringement of my rights under the FCRA. I'm asking that the following accounts be removed. 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
Product: Mortgage

Grossly mismanaged escrow account by Caliber Home Loans. Paying more than one homeowners insurance company in full for the year causing an escrow shortage despite multiple attempts to cancel the insurance we switched from. Consistent escrow shortages and estimations resulting in highly fluctuating payments. Inability of customer service representatives and supervisors to provide any consistent message on the variability of payments and fluctuating escrow balances. We highly suspect intentional mismanagement and fraud.
Product: Mortgage

Ocwen is trying to forclose on me and they have NO STANDING. because they are not the holder of the note in due course. And I want them and all who are involved charged with FRAUD.

1Lack of consideration contract was not 2 sided.

2 Non Disclosure of all facts about the use of my promissory Note with my signature.

3 they took my Note monetized it and put it back in their pockets as money and then charged me with a Bill of the same amount for 30 years plus interest.

4They converted the Promissory Note In to a security without full disclosure.

5 They Also put me on their ledger as a debtor. And clearly when they monetized the Note. I became the creditor. there for they robbed me from the begging. And I never received any Federal Reserve Notes from all of the transaction that have taken place.
Product: Credit card or prepaid card

Hi BestBuy, how are you? I love you guys, but i don't know what happen between XXXX to XXXX with the payment. I just opened this account back in XXXX and i been paying on time. I have to be honest that I was shocked when I reviewed my credit report and found late payment mark on my credit in XX/XX/2020 during this COVID-19 pandemic especially when i been laid off for like 4 months now. 

Basically, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reporting late pay for XXXX 2022 when the other XXXX XXXX  are reporting on time. Correct this inaccuracy immediately. According to federal law, everything is supposed to be accurate on my report. Even the balance is incorrect. Update immediately.
Product: Debt collection

**I attempted to add the last four of my SSN for the company to pull my file but, I kept getting an error and it would not allow me to add that information. I am not sure what all information you may need from me so, if more information is needed regarding this situation please email me at, XXXXXXXXXXXX. ** EOS/CCA keeps adding a debt to my name that is not mine and I have previously disputed and removed it from my credit but, they keep forcing it back to my credit causing me problems. A friend XXXX XXXX moved into my apartment in or around XXXX of XXXX and I disconnected my service with XXXX XXXX for my friend to transfer their service ( also with XXXX XXXX ) to my address. Prior to disconnecting the service it must be paid in full so, I paid my bill and cancelled my account. I later opened a new account after my friend moved out and I still currently am a customer with XXXX XXXX on that account so, I obviously was and still am in good standing. In XX/XX/XXXX I saw this collection on my account for {$120.00} from this collection company stating it was an unpaid balance from XXXX XXXX. I asked XXXX XXXX about this and they said they did not know what it was, that I was in good standing, and that I could not have opened a new account if I owed them money so, I disputed with the credit bureau and had it removed. I thought the issue was finally resolved. Now, onXX/XX/XXXX almost a year later, it showed back up on my credit report from EOS/CCA for the same amount and that they are representing XXXX XXXX but, I do not owe any money to XXXX XXXX. My account is in good standing, my previous account was paid in full, and I have not missed or been late on a payment but, this collection company insists I pay them money I do not owe and do not know where it came from. Basically to recap, this company keeps adding this collection account to my credit and ruining my credit. My account with XXXX XXXX was paid in full and closed. When I decided to get cable services again, I opened a new account with XXXX XXXX. When this collection showed up on my credit I asked them how if I owed them money could I open a new account with them to which they replied that, I could n't open an account with them if I owed them money because they run your credit, your social security number, and cross reference their own system every time you start an account with them. If I had owed them any money I would not have been able to open a new account. So, to conclude, I feel like this company is trying to take advantage of me and is holding my credit hostage for a false debt.
Product: Credit card or prepaid card

There was a fraudulent charge of {$100.00} on my credit card by an unknown company. I contacted Aspire account services and they sent me a new card and told me it would be fixed, the next month the charge remains on my bill. I contacted them again and at this time tried to close the account and tell them I am not paying for this fraudulent charge, they refused to close the account and said that their investigation could take up to 90 days, meanwhile im supposed to make a minimum payment on a fraudulent charge. The Aspire credit card is a horrible company and has not resolved this issue to date.
Product: Student loan

I have a student loan with Navient. I had some XXXX loans in XX/XX/2010 which Navient took over. I consolidated the loans to help with lower payments. Navient said that one loan was XXXX but it was a private loan. and I could not consolidate it. It is in the amount of {$19000.00}. plus. I offered a down payment of XXXX if they could make the payment at {$100.00} a month. 
They want XXXX down payment. I am supporting my Grandmother who has been ill and out of work. The house went into foreclosure and I had to help save our home. I am just starting a full time job but I need some time to get caught up. I ca n't take out another loan as I ca n't afford another payment. Navient is threatening garnishment of my wages which I ca n't afford. They have hard to deal with always. They did n't tell me the other loans had been paid off when they were and they have n't explained what this private loan ( which is a XXXX loan ) is and they have locked me out of any internet interaction with them..
Product: Mortgage

I refinanced my EverBank mortgage, closing on XXXX/XXXX/16. On XXXX/XXXX/16, I cancelled my mortgage auto-debit payment from my EverBank checking account so that EverBank Mortgage would not pull my XXXX 2016 payment ( and I received a confirmation from EverBank Mortgage that auto-debit was cancelled - SEE ATTACHED ). On XXXX/XXXX/16 EverBank Mortgage, even though UNAUTHORIZED to do so, pulled money from my EverBank checking account. I called EverBank right away. " XXXX '' told me that they could pull the payment without it being authorized because the payment was due XXXX XXXX. I told her I had a grace period until XXXX/XXXX/16 and that the loan would be paid off by then. She said that did n't matter and said she would not reverse the UNAUTHORIZED debit amount back into my checking account. She said that if there was any money coming back to me they would mail it to me in 29 days. I told her that was unacceptable and that I wanted to money returned immediately back into my checking account. She refused and I still have not received my money back.
Product: Checking or savings account

On XX/XX/2022 I went to XXXX XXXX on my inch break from XXXX on my last break I went to the vending machine and my card declined and I know it was money in the account so I checked my account and seen numerous of charges from XXXX XXXX XXXX XXXX XXXX I never heard of from the time I clocked in to work until XX/XX/XXXX it was unauthorized transactions made from this company I was never notified when the transactions were made I normally get a text and email when transactions are made and they never blocked the card I called Chime to dispute the charges they denied my claim even after emailing them proof that the charges werent made by me I rebuttal the claim and they still denied me then I requested a report for the merchant so I can dispute it with them and they never sent it and I called Chime numerous of times and requested for the report and never received it thats been since XXXX until now Ive been requesting for the report they keep giving me the run around Ive talked to numerous managers from Chime nothings happening I just want this matter resolved and my money back and it only takes them 15 to 30 minutes to investigate a claim just to deny it when I have proof I didnt make the transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX [ XXXX XXXX XXXX ] and derogatory mark on my credit report per [ EXPERIAN ]. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA [ XXXX XXXX XXXX ] has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has failed to validate that this account is reporting with maximum possible accuracy as required by the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts initiated through both the credit bureaus and collection agencies to have this account validated, I have not received a response. I have reason to believe that reasonable procedures were not conducted on these accounts, evidenced by current violations found in relation to my credit profile and the presence of unverified accounts. 

In the event of a dispute, it is imperative to address the following concerns : How can a disputed account be considered resolved if the customer disagrees with the resolution? 

Who resolved the disputed account, and were reasonable procedures performed? 
It is a violation of my rights to claim that an account has been resolved if I did not resolve it, especially if it continues to report inaccurately. 
Furthermore, XXXX XXXX XXXX has violated FCRA 623 ( a ) ( b ) by failing to mark this disputed account as disputed. ( Letters attached below demonstrate when the account was initially disputed. )
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt was disputed and removed from my report the debt was then sold to another company and the debt was re-aged. The original debt is over 7 years old and should be removed
Product: Checking or savings account

On XX/XX/XXXX, Wells Fargo allowed someone to walk into a branch in a different state than the one I live in, provided them my account number and allowed them to withdrawal {$6600.00} from my account. From what I have collected, no debit card or pin was used ( despite being needed for that amount ), no one questioned why this transaction was being done out of state or why the signatures didnt match. 

To top it off, after 5 days, no one from Wells Fargo has reached out to me to discuss, via phone or email. The funds are part of a down payment required for a house I am trying to purchase and this is impeding my ability to proceed.
Product: Credit card

I'm writing to file a complaint that I was not being properly reimbursed for fraudulent charges posted to my Citi XXXX  card. 

I applied and was approved for the Citi XXXX  card on XX/XX/year>, a week after I was approved, I noticed XXXX charges totaling {$480.00} on the new card, dated from XX/XX/XXXX to XX/XX/XXXX, all of the transactions occurred before I activated the card. 

I called Citi immediately to report these transactions as fraud and were given temporary credits. However, upon checking recently, these investigations were marked as complete by Citi and the temporary credits were all reversed. I have called Citi fraud services at XXXX and they were unable to offer me an explanation or re-open the investigation. 

I do not have possession of the credit card, now or when the transactions occurred. I assume the card has been lost or stolen, which made the transactions fraudulent.