23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

on XX/XX/2022 the know XXXX XXXX XXXX installed a ground mount solar system at my address consisting of of 26 400 watt sil fab solar panels and XXXX  components ( cost XXXX ) the system was installed improperly as per XXXX XXXX ( XX/XX/2022 ) and the system was never given permission to operate, the system has not produced one once of electricity, but I am expected to pay for the system? prior to this before installation the salesman promised me at least XXXX XXXX electrical off set XXXX $ cash back just for going solar ( never received ) and promised I would receive a large check from the XXXX XXXX XXXX that would drastically reduce my payment on my loan and recommended that I put that towards my loan or my payment will go up an extra XXXX dollars a month after 17 months, ( Balloon payment ). the initial loan was brokered by Sunlight financial whom does not currently have a license to do business in the state of Virginia were I live. I never received an option to cancel and did not receive the true information about the tax credit until after I signed the paperwork several days later, from this point my loan was sold to XXXX XXXX XXXX XXXX and ( they have not provided me with any loan paperwork either ) see previous complaint that I filed and was closed. XXXX  XXXX was unwilling to work with me at the time and are currently expecting payment for a derelict system that does not work and was not delivered as promised I believe this could fall under serval circumstances 1 Holder rule 2 Lemon law 3 Fraud XXXX XXXX has had a law suit against XXXX since last year and have known of the problems or potential problems due faulty installation and potentially faulty products yet the still installed this systems anyway I did not have to be involved in this mess XXXX  XXXX  and sunlight financial new exactly what they were doing ( a time line can easily prove this ) for the love of money and greed ( FRAUD ) many people are involved in this mess and it should have never happened I feel these companies ran individuals credit saw what it could bare and priced the systems they sold to me and many others for as much as they could get out of us and left us with junk there is defiantly a pattern here thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX. XXXX, XXXX, XXXX XX/XX/XXXXadd a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. On XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX,XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the below Accounts 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 The Contacted Creditor/Agency asked for proof of the alleged debt, specifically the alleged original application bearing my signature ; they have not been able to provide such proof to me. 

under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

Unauthorized/Erroneous Account RESULT OF the Equifax Data Breach Direct Violation of The FCRA Reporting falsely Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

Mistaken identity/ does not belong to me. 

Validate this false charge off it does not belong to me. 
Verify This invalidated account. 

inaccurate/invalidated account Prove it. 

this account is false and not mine Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.

Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Checking or savings account

I submitted a dispute for a transaction from XXXX XXXX XXXX  XXXX back in XXXX due to gettting sick from consuming their food. I received the credit from Bank of America.however, a couple of days after I received a notification stating that they were going to remove the credit I was awarded. I submitted all the information requested proving that I got food poisoning from this restaurant and I even submitted a report to the Food Safety and Inspection Agency ( USDA ). I would like Bank of America to review this claim and refund my money back to my account, the claim number is XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I contacted the following credit bureaus, Experian, and XXXX, by United States Certified Mail. I filed a dispute that while reviewing my consumer reports, I saw that inaccurate information was being reported in violation of Federal law 15 U.S. CODE 1681 e Compliance of procedures ( b ) Accuracy of report state that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report elates to. I disputed this information, I then received a response stating that the item remained unchanged from there processing of my dispute in XXXX of XXXX. On XX/XX/2023 I contacted these companies and filed another dispute requested there method of verification they claimed that the creditor that reported this account verified this inaccurate information, and as a result these companies used this as a method of verification and verified this information on my consumer report. I then requested that Experian and XXXX follow suite like XXXX XXXX, and XXXX and delete this inaccurate information. On XX/XX/2023 I received a response from Experian in this response they state under public records that the company that reported the information has certified to Experian that the information is accurate. They also state that this item was not changed as a result of the processing of this dispute. I would like to state that I have received a certified letter from the UNITED STATES BANKRUPTCY COURT OFFICE OF THE CLERK SOUTHERN DISTRICT OF FLORIDA, IN THIS CERTIFIE DOCUMENT THE GOVERNMENT clearly state that the bankruptcy court does not report or transmit bankruptcy court records or any other information directly to credit reporting agencies... With this being said I am requesting that this inaccurate information be deleted immediately since in this case the Bankruptcy court is the creditor and they have provided me with a certified document stating that they have provided no such information. Experian And XXXX are in violation of federal law and this account must be deleted immediately based on Federal LAW 15 U.S. CODE 1681 e Compliance of procedures ( b ) Acccuracy of Report.
Product: Money transfer, virtual currency, or money service

My Wise account was deactivated on XX/XX/XXXX and I had no chance to appeal ( I could not even log in my account anymore ), though I am a legit user and I did not violate any terms and conditions. I want to send this to Wise team but I do not know how to send them. 

Hi Wise team ; I read carefully your Terms of Services and I really don't know how I violate the terms. 
I submited an appeal again and also I want to provide additional information as the followings : I am a legit individual seller on multiple gaming marketplace websites. 

XXXX. Money into my WISE account : Nearly 100 % of my money inflow is from my revenues from marketplaces websites : - Playerauctions.com : I withdraw my balance from XXXX directly into my Wise account - XXXX XXXX I withdraw my balance from XXXX directly into my Wise account - XXXX : I withdraw my XXXX balance money into my XXXX  account ( because no Wise option on XXXX ) and then to WISE account XXXX. Money out from my WISE account : I use my WISE account balance to : ( XXXX ) Pay my suppliers ( who also accept WISE ) ( XXXX ) Exchange USD from my WISE to other currencies ( also to pay my suppliers ) on some XXXX exchange website ( mostly I use XXXX ) : XXXX XXXX ( my local currency ), XXXX Please review my case and help to unlock my account as soon as possible so my business can continue. If you require any additional evedences, please let me know. 

Thanks.
Product: Credit card

I requested to change my payment due date to the XXXX  week of the month, I requested the XXXX or XXXX of each month. The representative over the phone informed me that this change can only happen once a year so it's very important to pick the correct date, I told him I would like the XXXX or XXXX of each month. When I logged into my account the following month I noticed that my due date was changed to the XXXX, this is not what I requested nor authorized. When I called Target XXXX XXXX XXXX customer service to inform them of the mistake they told me there was nothing they can do to fix their mistake. The changes made to my account is not what I authorized, I do not want a due date the first week of the month and they refuse to correct my account. I have already tried to fix this directly with Target Mastercard on XX/XX/XXXX ( as soon as I noticed the discrepancy ) my reference number is XXXX, I still have not gotten a response nor has my account been corrected. I attached XXXX statements showing the old due date as the XXXX and the new date as the XXXX.
Product: Mortgage

I have my mortgage through PHH since 2003 and have always had my taxes escrowed. Never any issues until now as I recieved notice from the courthouse early XXXX that my taxes were not paid ... contacted PHH several times and they give me the run around ask me to fax that letter from the courthouse which I have now 4 times each time they say they didnt receive it and wont help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 ( US DEPT OF EDXXXX ) .... 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
Product: Mortgage

freedom mortgage lower the vaule of house on paper XXXX. so they could charge me XXXX for mortgage insurance. l went from a arm to a fix same company same home. call company said it was because of a va loan fee. not true have XXXX XXXX XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please read attached FTC report. Equifax, XXXX, and XXXX I have called millions of times to get this issue resolved. I have a fraud alert there is NO WAY possible my credit should be able to be ran, There is 10 hard inquiries that was ran in XX/XX/2021 which NONE I have authorized please delete from my credit report. The XXXX  XXXX loan delete if it wiont report accurately I have uploaded the title, XXXX XXXX has no proof of ID or anything on file, they advised anybody can get utilities on please delete that from my credit report as well, and XXXX XXXX apartments, somebody moved in my name which I have no clue on how that was done. This is becoming a headache and draining to continue to say this over and over and nothing be done about it.
Product: Checking or savings account

Marcus by Goldman Sachs advertised a promotion online to offer new customers that sign up for their XXXX Account and found it with {$10000.00} to receive a one time bonus {$100.00} I fulfilled all requirements mentioned in the small print also called in when opening the account, everything was fine until I asked after 4 months for the {$100.00}. 

The refused to offer the bonus : ( told me many time the will review and call me back but never get back to me. 

Today I called again and no result. 

See attached offer send directly to me and the requirements I fulfilled! I used their link to sign up for this offer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, ACCOUNT NAME, ACCOUNT NUMBER has violated my rights. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBERXXXX ACCOUNT NUMBERXXXX ACCOUNT NUMBERXXXX ACCOUNT NUMBERXXXX ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- PENTAGON FEDERAL CREDIT UNION ACCOUNT NUMBER : XXXX ACCOUNT NUMBERXXXX ACCOUNT NUMBER : XXXX ACCOUNT NUMBERXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  account # XXXX, XX/XX/year> In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

SunTrust ( Truist ) closed my business account ( XXXX XXXX XXXX XXXX ) back in XXXX of 2020. I deposited a check for {$500.00} for services rendered. The check cleared the XXXX XXXX account from which is was drawn on. Suntrust Bank has been extremely difficult and refuses to get me the funds I deposited into the business bank account. Over 60 days have passed and I still haven't received my legitimate funds that were deposited. 
XXXX XXXX account name : XXXX XXXX Check Written to : Set them free foundation ( Suntrust Account ) Check Amount : {$500.00}
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX {$240.00}, XXXX XXXX XXXX {$230.00}, XXXX XXXX XXXX {$1300.00}, XXXX XXXX  {$780.00}, XXXX XXXX XXXX {$230.00}, XXXX XXXX {$210.00}, XXXX XXXX XXXX  bank {$880.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( private email address ).
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : TBOM/MILESTONE XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I wrote to you requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you Please delete these accounts and reply within a reasonable amount of time.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX   XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Late Payment XXXX XXXX XXXX, XXXX Unverified Late Payment * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file.
Product: Debt collection

I am being held up on taking a loan out on my property because Ford Motor Credit. I filed for bankruptcy back in XXXX and included the vehicle in this. In XXXX, XXXX renewed a claim against me regarding this vehicle and attached it to my property that i inherited from my mother when she died. 

The attorney handling this says that I am not personally responsible for it since the bankruptcy, yet it still remains attached to my property that i cant take a loan out on because of this. The attorney wont give us a release and he wont give us a payoff either. 

They attached the car to my mothers house back in XXXX it was not my house then. 

Attorney is XXXX XXXX XXXX ex XXXX is who is handling this bankruptcy and wont give me a release.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX/FAIRWAY INDEPENDEN add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX/FAIRWAY INDEPENDEN add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.