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

Mosaic Loan and XXXX XXXX ( solar company ) Loan Amt : XXXX at 3.9 % interest. 
XX/XX/ Solar sales person named XXXX did his sales pitch and was advised that we have 2 weeks to cancel and may disregard whatever is in the contract because he has control over it and can extend to 2 weeks. Applied for loan and solar and schedule an roof inspection on XXXX XXXX roof inspection was done ; I clarified with XXXX if battery is included in the quote for which is not and only XXXX will be installed instead of XXXX. 
XXXX, I cancelled XXXX XXXX for cancellation ; I found out that there are only 3 days to cancel. 
XX/XX/ emailed XXXX XXXX because there is no confirmation and email mosaic Loan that project will not push through. 
( Couple of phone calls are made every week on this period and XXXX XXXX promised that they will cancel but it takes 30-60 days for it to be cancelled, Mosaic Loan would not acknowledge unless they received a communication from XXXX XXXX that the loan is cancelled. ) XX/XX/ Mosaic Loan sent an email that XXXX XXXX informed them that the solar project will continue. I called Mosaic Loan and I found out that on XX/XX/ Mosaic Loan Released a fund to XXXX XXXX  without informing me. Mosaic Loan said that they have a voice recording of " welcome call '' that confirms my identity and acknowledging my loan. I checked XXXX XXXX XXXX call history but no call was made in my phone number aside from personal and work numbers. XXXX XXXX refuses to coordinate at this point. Hence, I have a loan with no solar panels. To whom they find the voice recording of my name without their phone number registered in XXXX XXXX XXXX call history is fraud. 
In the contract, it is stated that I can cancel even after cooling off period ( 3 days ) but need to pay for whatever was done. In my case, only roof inspection was done which is a preliminary process if my roof is qualified for solar. I understand that they need funds in order to start with the project. However, to release a fund before roof inspection is done is unacceptable. What if my roof is not qualified?
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

AMER FST FIN LOST DURING COVID ACCOUNT SHOULD BE REMOVED I DON'T OWE THIS ACCOUNT CHARGED OFF BECAUSE OF COVID UNABLE TO PAY UNABLE TO RESOLVE
Product: Credit reporting or other personal consumer reports

All these Accounts are reporting fraudulently please remove them.
Product: Debt collection

On XX/XX/2018 I requested validation from XXXX of an item being reported on my credit report in violation of my HIPPA rights. XXXX XXXX XXXX has my medical information without me signing a HIPPA release form that releases my medical information to them. I have not received a response as of XX/XX/2018 of this item being removed from my credit report. I am in clear violation of my rights according to HIPPA. This derogatory mark reflects very negatively on my credit report. XXXX is embarrassing me by reporting incorrect items on my credit report resulting in me being denied while trying to purchase my first home. I am a serious consumer who is proceeding with legal actions against XXXX should this item not be deleted from my credit report ASAP!
Product: Bank account or service

I go to First Tennessee in XXXX in XXXX every XXXX weeks. 
Every time it takes XXXX mins. Today was even longer in the drive thru so I went in. 
There were XXXX women behind the counter and XXXX people in line. Those XXXX were also running the drive thru. XXXX min to make a deposit is absolutely an unacceptable amount of time. I will go somewhere that either has better workers or more of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items below : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Account debt in question.XXXX XXXX FKA XXXX account number XXXX This account is listed as being 30 days late. I have never been late on this account. Please correct this account accordingly within 30 days. This has been false reporting to my credit report. And Experian have allowed my dispute to become unaddressed over 30 days. Please delete the 30 day late report on my account. I have never been late.
Product: Credit card

On XX/XX/XXXX, a Capital One QuickSilver credit card was opened in my name. I did not open this account. Whoever opened the credit card apparently knew my social security number and home address. 

When I discovered the credit card opening, I called Capital One on XX/XX/XXXX to close my account, and they redirected me to this page to file my complaint.
Product: Credit reporting or other personal consumer reports

Since XX/XX/2024 I have been denied access to all of my business credit reports due to identity theft. Experian business credit reporting has denied me access to all of my information as well as denying me the opportunity to correct inaccuracies. According to the Fair credit reporting act 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 relates. 
I have reached out to them several times with no response. I have sent the certified letters for a response and have not received anything. My tracking number for the mail is XXXX My business names are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of correct, this account is not accurate. This account is showing twice on my business credit file and everything is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2023, An unknown credit card account from XXXX XXXX appeared on my credit report. I have a dispute open with them, but I have disputed this fraudulent account twice with XXXX. Most recently on XX/XX/2023. Somebody used my SSN and I have sent documents proving the address used to sign up for the credit card was not mine. I have sent XXXX a copy of my ftc report, proof of residence at the time the account was made, and screenshots of the fraudulent address, phone, and the thiefs name on the mailing address XXXX XXXX mailed the card to! XXXX is not investigating this properly. Please help me. I'm a victim of Identity Theft. The balance is {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed accounts via certified mail. My letter was delivered on XX/XX/2021. As of XX/XX/2021 nothing has been done. I was also a victim of identify theft and have filed a police report which is being mailed to my current address and I have registered with identify theft.gov.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Debt collection

Dear CFPB Consumer Adjustment added to my credit report a collection for XXXX XXXX in the amount XXXX that was already disputed in previous collection with Debt recovery solutions you can reference complaint ID XXXX And XXXX all my proof and documentation is on those complaint IDs including the mistakes and errors and FCRA laws the previous debt collector made this debt should have not been added back to my credit report after it was concluded no proof was provided on the debt collectors part same goes for consumer adjustment who added this collection straight to my credit report without first attempting to contact me first and sending a debt validation letter first and given me 30 days to respond consumer adjustment already violated FCRA laws by not doing those two things they need to remove this account from my credit profile immediately and if they continue to Per-sue this collection they will need to furnish full proof that this account is mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has falsely accused me of using a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on well over 30 days ago by mail in dispute of fraudulent items on my credit report. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : XXXX XXXX # XXXX is the account that has been removed from both XXXX  and Experian but for Some reason Experian continues to violate my rights. 

Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice I am requesting that Experian continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your response thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries unexpectedly appeared on my credit report today, and I am completely unsure of their origin. Ive reviewed my credit report as usual, but these discrepancies were entirely new. Refreshing the browser didnt fix it, proving its not a technical issue. Please review the documents Ive submitted to address this problem promptly and ensure it doesnt happen again.
Product: Credit reporting or other personal consumer reports

Weeks of emails and chat converStations that end before resolution
Product: Checking or savings account

1-I have an American Express credit card for a while. 
2-After receiving several Adds from American Express offering a high yield saving account, I opened a saving account with this bank.

3-Being a full time XXXX XXXX, I transferred money from my XXXX XXXX XXXX account to new opened saving account. ( XXXX XXXX is US most reputable brokerage company ) 4- After a few days the American Express Bank blocked my saving account prohibiting any transaction.

5- I called the Bank several times asking for reason, they asked for some document verifying my Trading account authenticity. Which I uploaded 3 times.

6- After 2 months of several follow ups and calls, no body answers my question of " What is my account problem? '' 7- I asked them either let me know What is the issue to try solve the problem OR close my account transferring my balance to my same Bank ( American express ) credit card where I'm late in payments.

8- Again No answer and the representative answering the phone says same replies I heard a few times before during my almost months weekly follow ups
Product: Credit reporting

There is an account XXXX a collection account. I 've never had an individual XXXX account. XXXX has never validated this debt. I 've never seen the original credit application. I have a XXXX account however it 's joint with my wife and its current.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am a victim of identity theft, and several fraudulent accounts and inquiries have been unlawfully added to my credit report, as documented in my FTC Identity Theft Report ( Report XXXX. XXXX ). The fraudulent accounts include two with XXXX ( Account Numbers : XXXX, XXXX ), two with XXXX ( Account Numbers : XXXX, XXXX ), and one with XXXX XXXX XXXX ( Account Number XXXX XXXX ). These unauthorized activities, some dating back to 2019, have resulted in fraudulent loans, collections, and inaccurate reporting, causing significant harm to my credit. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be investigated and blocked within four ( 4 ) business days of receiving this complaint. I further demand that all related collection efforts cease immediately and these accounts be permanently removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX. Company Inquiries : XXXX XXXX XXXX, XXXX XXXX, XXXX  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, XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Unauthorized accounts appear on my credit report ; kindly block and remove these suspected fraudulent entries.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXX XXXX against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. these are the accounts attached bellow.
Product: Debt or credit management

I have sent Experian consumer credit reporting agency 3 letters explaining that 20 addresses, all phone numbers were all outdated. They deleted the phone numbers, and added them back on to the report. They deleted only 2 of 20 addresses. I explained to them of all the names they have for me, I only use 2, XXXX XXXX, and XXXX XXXX XXXX. I told them I despise the middle name, and don't use it at all. They changed my name to XXXX XXXX XXXX, even added the full middle name into my account name with no way to edit it. However, they haven't deleted the other names. I asked them to send by mail the method verification, and a certificate of validation, as well as all communication with original creditor. I had already contacted the people with the student loans, original creditor, and the ones who purchased the loan, and taken care of it. Experience has not investigated any of the debts, or sent proof. Yet they're stating these student loan debts are valid. One of the collections is now listed as closed, yet a brand new collection from the same company is also showing up. I was never notified of this company sending the information to a CRA either ( not the first time, or the second time ). I am supposed to be given an opportunity to direct the information, which was not done. Experian hasn't sent what is required to be showing this stuff as valid. The credit reporting agencies have a duty to report only accurate information. Only the names used should be showing, and no one can have 18 addresses. I'm going to sue them, but this is my record keeping submission. I have kept copies of all my letters sent to them by guaranteed delivery.
Product: Debt collection

To whom this may concern. I sent a letter out to the Grant & Weber debt collection agency on XXXX XX/XX/2021 requesting a complete audit trail, explanation of the alleged debt that is showing on my credit report, my signature showing I gave Grant & Weber authorization to report any information on my credit report, and a signature showing that I gave them permission to have my personal information in their possession. This company failed to respond to me. I also requested an agreement that grants them the authority to collect the alleged debt from me, a copy of their state license, and the license number that gave them rights to collect in my state ( New York State ), the purchase agreement, and other things that will be listed in the attached letter I sent them. I informed them if they lacked proof that I gave them permission to use my social security number, they are committing identity theft and I will report them. At this point in time they have ignored my request, and I have not received any correspondence from them as of yet. I am requesting you contact this entity so that they will provide the documents that I requested and deleted this information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under XXXX XXXX XXXX XXXX, specifically section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : XXXX. XXXX XXXX XXXX  XXXX - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Debt collection

On the day of XX/XX/XXXX I was involved in a XXXX XXXXXXXX act whereas my boyfriend at the time refused to allow me to gather my items as i tried to leave the residence. After i was XXXX he than gave my items to his female friend. A few years later on the date of XX/XX/XXXX I noticed a few inaccurate accounts on my credit report. During the time this account was opened I had been in a XXXX XXXX XXXX XXXX and i had no access to outside and DID not create nor apply nor consent to any of the accounts owed on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion and XXXX credit reports do not show the correct balance that I owe with XXXX XXXX XXXX. I would like them to please update their records accordingly. 

In addition, XXXX and XXXX do not allow me to put a consumer statement on my report and I would like the following statement to reflect on my XXXX and XXXX reports : The reason my credit history has late payments and a couple of cards have charged off was because my mother was diagnosed with XXXX at the time and I had to take care of her. I had to pay for bills along with medical expenses for her because she could not work. I am currently trying to rebuild my credit as she is XXXX free now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently experiencing a problem with my credit report which involves my report being delinquent with late payments.I WANT SUCH LATE PAYMENTS TO BE REMOVED FROM MY ACCOUNT IMMEDIATELY AND PERMANENTLY. 

SANTANDER CONSUMER USA AND XXXX XXXX XXXX