23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017, I mailed a certified letter to TransUnion asking them to inform me of how my public record was reported to them. The letter asked for a ) The name of the courthouse ; ( b ) the persons name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used  to verify the dispute. When Transunion responded they indicated that the information reported was accurately verified by the courts. XXXX XXXXof 2017, I reached out to the courts asking them if they could remove my bankruptcy from my credit bureaus because this is the 7th year it has been reported. Recently, I received a letter from the United States Bankruptcy Court at XXXX XXXX XXXX, XXXX, IL XXXX indicating that the bankruptcy court does not perform any activities with the credit bureaus. I disputed my public record and faxed the letter I received from the courts to Transunion. Recently, Transunion has sent a letter out dated XXXX XXXX, 2017 stated that the item was deleted and reinserted because it was verified as accurate. Transunion has not informed me of how they verified this information and refuses to provide the requested information mention above. Please assist me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting AcXXXX XXXX ACT # : 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 that a consumer reporting agency can not furnish an 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: Credit card

Cards were opened by ex spouse without my knowledge or consent, and they refused to take me off and now my credit score has been negatively impacted as well as being bullied into paying off his debt so I can get a loan for a new house.
Product: Payday loan, title loan, or personal loan

I hired a local solar company XXXX XXXX XXXX to install a solar system at my home. They recommended to secure financing for the project through one of their preffered partners, a company named Mosaic. 

I went ahead and submitted the application with Mosaic and got approved for the loan for the entire solar panel cost of {$26000.00}. 

I setup my account and started making monthly payments to Mosaic. 

Fast forward to more than a year later, the solar panel has not completed the job. They have failed every single inspection to get the job approved by the city and connect the solar panels to the grid. 

The solar panel does not respond to my phone calls, when I finally get through they just say that they will investigate and get back to me, but they never do. 

So I have put 3 complains on 3 separate occasions with Mosaic, the financing company about the issue that I'm having but they seem to be unable to provide any help with this matter. 

Originally I was told by them that they only paid XXXX XXXX XXXX a small down payment to initiate the project and that the final payment is done after project is fully completed. 

But today, XX/XX/2023 after I call to complain for the third time, the Mosaic representative informs me that XXXX XXXX XXXX has already been paid in full. 

That makes sense, since XXXX XXXX doesn't show any desire to move forward or complete my project. 

My contract with XXXX XXXX XXXX shows they get paid {$1000.00} to begin the project and the remaining amount when the Final Inspection is done. 
So I don't understand why the financing company paid them all the amount in full already. In the meantime I'm paying a monthly payment to Mosaic for something that has not even been performed. 

My guess is that both XXXX XXXX and Mosaic have some sort of arrangement internally which doesn't involve the consumer at all. How is it that a financial institution that lends you money contingent on a home renovation project being completed doesn't offer any help when the consumer is being ignored by the contractor?
Product: Debt collection

I ended service with XXXX over 3 years ago. at the time they billed me for service after the account was closed. The account was closed because they raised prices 4 times in the last year of service without any notification and upgraded the " cable package '' to higher tier with no notification. 
I don't remember specific dates, but on my call to them they confirmed the date the account was closed was before the billing period on the bill they sent. I said " so this will be fixed, right? '' Now 3 years later I am getting a collection notice. Ridiculous.
Product: Bank account or service

Ive had my rush card since XXXX. The company decided to do a massive update on Monday XXXX advising we would not have access to our accounts until XXXX. then put out another notice saying our accounts will not accessed until noon that day, luckily they stayed true to their word and I was able to access my money and get to make it home that night. moving on as the days went on I noticed a lot of pending items on my transaction history and I was missing over XXXX and not able to pay my car payment or car insurance or light bill. ive tried to contact the company via phone and through twitter with an automated response sayin someone from the company would contact me. that was a week ago and I have yet to hear from anyone. ive literally paid my money to this company for 6 years. that is XXXX in MEMBER FEES over the past 6 years and I am missing money to pay my bills. its insane because the COMPANY OWNER Himself is abillionaire. its just sad. he can more than afford to issue ADDITIONAL refunds to all the accounts affected PLUS the money that is owed to them. ive had to stop my direct deposit and figure out how to cash my upcoming paycheck. you have the money and resources to fix the issue. get it done. I have a credit union as well but I Loved the convenience of getting paid early and with my family living so far away from me green dot access cards were great for when my mom wanted to send extra money. now I do n't know what to do and the company could care less. no one has reached out to me and I need a resolution. now.
Product: Debt collection

I have disputed this with the other credit bureaus and they have both agreed this was not my debt and have removed it from my credit report. XXXX removed it in XXXX and then added it back on. Per the FCRA this is not my debt and is causing issues with my life. I am attaching proof that this is not showing up on my other credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX A ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any information that I believe to be inaccurate or incomplete. I also understand that the credit reporting agency must conduct a reasonable investigation within 30 days of receiving this request. 

Please consider this letter as my formal request for verification. I kindly ask that you thoroughly investigate these late payment entries and provide me with written confirmation of your findings. If it is determined that these late payment entries can not be verified, I request that you remove them from my credit report in accordance with the FCRA. 
The late payment entry listed on this account is erroneous. I have supporting documentation, such as bank statements and payment confirmations, proving that the payment was made on time. I kindly request that you review this information and make the necessary corrections. 

The late payment entry listed on this account is erroneous. I have supporting documentation, such as bank statements and payment confirmations, proving that the payment was made on time. I kindly request that you review this information and make the necessary corrections. 

I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any information that I believe to be inaccurate or incomplete. I also understand that the credit reporting agency must conduct a reasonable investigation within 30 days of receiving this request. 

Please consider this letter as my formal request for verification. I kindly ask that you thoroughly investigate these late payment entries and provide me with written confirmation of your findings. If it is determined that these late payment entries can not be verified, I request that you remove them from my credit report in accordance with the FCRA. 

I have attached copies of relevant documents, such as payment receipts and bank statements, to support my claims. I trust that these documents will aid in the verification process. 

I appreciate your attention to this matter and your prompt response. Maintaining the accuracy of my credit report is of utmost importance to me, and I am committed to ensuring that all information reported is fair and accurate. 

Thank you for your assistance. 


15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all the oth
Product: Credit card

I received a statement today from Citi related to a credit card that i did not recognize, charging a {$50.00} annual fee. I called the number wondering if this was fraud, and found out that i opened an account in 1997, which sounds possible, even though i am positive i have not used this account in at least 10 years. I do not really know how this is possible since i never renewed any card, so it appears that the expiration date must have been automatically extended. It turns out that this annual fee has been auto-debited from my account all these years, even though the card has been inactive. I believe that a bank should confirm that a consumer wants a card to remain active if they charge annual fees, and i have no idea how this did not expire. 

Eventually Citi closed the account, but it took well over a half hour on the phone while they went through their offers and asked me more questions. The customer rep would not tell me the last time she saw a discretionary charge on the card, nor for how many inactive years i have been charged a fee. I believe that i should be refunded the fees for the years when the card was inactive, and Citi needs to amend their process and explain how the expiration seems to have been extended.
Product: Credit card or prepaid card

Tried to contact DirectExpress. on XXXX. Also last week. No available agents to answer. Waited on hold, then. Drops. Tried about six times to get through. 
Must get this taken care of. Twice when, buying gas. And recently on XXXX Was declined Three times. When I had a balance of XXXX. In my account. Also, A debit on my account of XXXX From XXXX XXXX I tried to contact this company also. I don't know what this is concerning. 
I'm a XXXX  living on {$800.00} social Security. And the stress level is becoming unbearable. 

This is my final attempt to get some relief, after trying to contact both credit card, and the debtor. 
Thank you, for anything you can do.
Product: Credit card or prepaid card

Hello. The account in question was closed due to fraud and was removed from my report. I still had to make payments on the balance i accrued. I no longer had access to this account online and no longer received statements as thr account was closed. I called in monthly to make the payments to pay the balance off. In XX/XX/2021, i called in, received the balance and paid it off to my knowlede. Since i paid the balance, i thought everything was taken care of and i was done with the card since it was already a closed account. I went on and no longer considered this account because to my knowledge the account was now {$0.00}. I recently received a notice that capital one reported this account to my credit for {$2.00}. When i called, i was told that at the end of the cycle, the account accrued {$2.00} interest. I never received a statement, an email, or a phone call informing me that the {$2.00} was still owed. I would not ruin my credit for {$2.00}. I have asked Capital one to honor my integrity in all the times i have paid and the fact that they provided no notice to me. I am trying to purchase a home and this is affecting me greatly. My credit is good and now has dropped XXXX pts because of this. Capital one is refusing to remove this, even though i paid the balance and they neglected to notify me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain accounts and inquiries listed on my consumer credit report, as referenced below, which appear to be the result of a data breach, fraud, or unauthorized activity. I also request verifiable proof of these actions, including documentation bearing my signature or electronic signature. This letter is being submitted by me directly, not a third party, so please review it carefully. I did not authorize any of these actions, and they represent a violation of my rights under the Fair Credit Reporting Act, specifically Section 605B, which addresses the blocking of information due to a data breach or fraud [ 15 U.S.C. 1681c-2 ], and Section 604, which defines permissible purposes for consumer reports [ 15 U.S.C. 1681b ]. 

After reaching out to the companies involved, I determined that these actions were initiated without proper validation or original documentation from the reporting entities. Since I did not authorize these accounts or inquiries, they are inaccurate and should be considered the result of a data breach or unauthorized reporting of my information by creditors or third-party data furnishers.
Product: Debt collection

I am writing to formally request the immediate removal of a collection account from my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i I have reviewed my credit report, and I have found an entry for a collection account, identified as follows : XXXX XXXX Name : NCA Date XXXX : XXXX XXXX Balance : {$470.00} I believe this information is inaccurate, incomplete, and in violation of the FCRA for the following reasons : XXXX. This account is reflected on my credit report as open and this is an FCRA violation according to 15 USC 1692g. This need to be deleted immediately. 
XXXX. This account does not belong to me! 
According to the FCRA section 605 B, it is illegal to report anything on my credit report without my permission. Please remove this negative item immediately. I will seek litigation for this violation if not removed from all three credit bureaus. Under the FCRA, you are required to investigate and ensure that all information reported on consumer credit reports is accurate and up-to-date. As this collection account is inaccurate and no longer valid, I am requesting that it be immediately removed from my credit report. 
Please confirm in writing that the collection account has been deleted from my credit report or provide a detailed explanation of why it remains. If this account is not removed within the statutory timeframe of XXXX  days as required by the FCRA, I will take further action, considering other legal remedies available to me. 
Thank you for your prompt attention to this matter. I look forward to your immediate action.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Report Number XXXX Date Generated XX/XX/year> Based on contract the mutual consent the consideration and legality has not been met we did not have a meeting of the minds we did not come together to negotiate a deal TransUnion XXXX and XXXX when I turned XXXX they started reporting/recording my personal information without my personal consent which is a violation of consumer law based on FCRA 15 USC 1681 ( a ) ( 4 ) which I have a right to privacy. As Stated, before this was done without any offer without any expectation or consideration. They the big 3 credit reporting agencies have been gathering info and money in my name without any consideration to me this entire time.

The legality is the consumer reporting agencies have a duty to follow the FCRA we demand that all negative adverse info be removed/deleted from this consumer credit report due to a simple violation of the FCRA as stated before 15 USC 1681 ( a ) ( 4 ) to remove all late payments, charge offs, repossessions, all balances, collections, inquiries, utilizations any adverse information because as the consumer it is my right to privacy.

Above is the date generated where I contacted them and here is the report number is above as well and this was never satisfied this not only is an invasion of my privacy it is also identity theft that they are making profits off of my name and personal information without compensation.

Respectfully XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I received a letter dated XX/XX/XXXX from Wells Fargo Home Mortgage and a check in the amount of {$1500.00} ( attached ). 

This was in regards to a home refinance loan # XXXX which closed on XX/XX/XXXX and was paid in full in XX/XX/XXXX for our home in XXXX XXXX, MN. 

The letter was vague other than during an audit, they determined a pricing error had occurred during the mortgage re-financing process. ( See Attached file titled " XXXX Well Fargo Mortgage Refund '' ) I was confused and on XX/XX/XXXX I made mutliple calls to the telephone number listed if I had any questions. Of the two Wells Fargo representatives I spoke wth, neither could answer any of my questions. Ultimately, I was advised to write a letter to their " Written Correspondence '' address. ( See Attached file titled " XXXX XXXX Loan questions '' ) I created a letter and mailed it to Wells Fargo Home Mortgage XXXX XXXX XXXX, IA on XX/XX/XXXX. I erroneously reported Loan # XXXX- it should have ended in XXXX. 

WIthin a week or so I received a call from Wells Fargo representative XXXX XXXX who told me she was in the Executive Office. She indicated she was hoping to have answers for me by end of month. XXXX called a second time and left a message. Lastly she called me on XX/XX/XXXX and indicated she could answer none of my questions because the information was considered as " propietary information ''.