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

I recently received a copy of my XXXX, Experian and XXXX credit reports, and I noticed some late payments posted on my credit report by the following companies : XXXX XXXX ( reported 30 days late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX ( reported 30 days late for XX/XX/XXXX ), and XXXX XXXX XXXX ( reported 30 days late on XX/XX/XXXX and 60 days late for XX/XX/XXXX ). These companies are in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I DID NOT give you written instructions to furnish this on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

With that said, I am requesting the deletion of the above late payments from my consumer report. XXXX, XXXX and Experian are all in violation of 15 USC 1681. Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking { {$1000.00} } per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX, I had solar panels installed on my home by XXXX XXXX XXXX XXXX The finance for the solar panels is Dividend Finance. There was no application process for this loan. My wife and I were asked our monthly income amount and that was all it took, Predatory Lending. On XX/XX/XXXX, Dividend Finance calls to tell me that I have been installed and my payments would begin 60 Days from the install date. The system installed was not operational and had not passed any inspection. I informed Dividend Finance that I did not want to begin payments until I had an operational system. I made several calls to Dividend Finance in the following months because 6 months later the inspections were completed and in XXXX XXXX XXXX the system became operational. I had paid even though I did not approve because I did not want to disrupt my perfect credit score. 
In the first week of XXXX, my wife and I noticed that our solar panels were not operating as before. I contacted XXXX XXXX XXXX about the issue, and they directed me to XXXX. I was informed of an issue with a connector that XXXX supplies for the Solar panels. I scheduled an appointment with XXXX to have a repair person come to my home. I received letters and emails from both XXXX XXXX XXXX and XXXX concerning the issue with the XXXX XXXX connectors and the repairs, but no one came to my home. 
In the meantime, I discover that XXXX XXXX XXXX and XXXX were at odds with each other. I understood that XXXX XXXX XXXX was filing a lawsuit against XXXX. We are well into XXXX XXXX XXXX, and I receive an email stating that XXXX XXXX XXXX was filing bankruptcy and closing the doors to the business. There goes any and all workman warranties on the solar panels I purchased. 
I contacted Dividend Finance and informed them that my system had not been working since XXXX and now XXXX XXXX energy has filed bankruptcy. Dividend Finance was aware of the situation and mentioned giving me a 4 month deferment on my loan. However, after I concluded my phone call that was the one and ony time I heard of any deferment. On XX/XX/2022, I stopped payment on this loan and have contacted Dividend Finance each month since telling them why I stopped payment. My credit score has now been damaged by XXXX points and my perfect credit score is diminished. 
I have since learned more about XXXX XXXX XXXX and Dividend finace and the predatory methods in which they gained customers. Now XXXX XXXX XXXX is in bankruptcy litigation, Dividend Finance is a predatory lender and holding myself and many others hostage over a loan that was overpriced in the beginning. 
I tried to use the resources of the sun to negate high electrical cost and to be a more green member of society. However, I am now being held hostage to the electrical company and the rising cost of electricity and to Dividend Finance. this is a predatory company and will destroy a good man 's credit over a system that was overpromised and under delivers.
Product: Checking or savings account

Chase bank advertises that its new XXXX person-to-person money transfer service allows the account holder to send and receive money in minutes at no fees. Following this representation, I received two Chase XXXX transfers and turned around and sent the money a bit later to another person. Chase charged me a {$34.00} fee twice for a total of {$68.00} of insufficient funds fees. Chase stated that there is a delay between when the XXXX transfer is received and when the money is actually available in the account.I was never told about this delay. Chase claims that because of this delay, my account was briefly negative and therefore Chase charged me {$68.00} in fees for two small transactions of {$100.00} and {$49.00} respectively. 

I believe that this is a deceptive practice that caused me to rely on their false advertising and incurred fees that I would not have incurred have I known of this delay that they are describing and that I was never made aware of.
Product: Credit reporting or other personal consumer reports

I posted dispute CFPB Case # XXXX and received an email stating that the case was closed. The credit reporting company, LexisNexis, made a response to which I was never notified or given an opportunity to reply or dispute their response. 

LexisNexis claims that on XX/XX/2024 they attempted to me via email at XXXX to obtain additional identifiers and that to date, LexisNexis has not received a response back. I searched thru my emails on that date, including spam and old emails, and had not received sais email ( Screen shots attached ). 

On the letter from LexisNexis, thet said that : In an effort to resolve XXXX XXXX concerns, LexisNexis initiated a dispute of bankruptcy records stated above with the nationwide consumer reporting agencies on his behalf. LexisNexis will notify XXXX XXXX via mail once the credit bureaus complete their investigation ; however, please note, the bureaus may contact XXXX XXXX directly with the results of the investigation. 
If XXXX XXXX has any questions regarding how and what information is displayed on a credit bureau report, XXXX XXXX will need to contact the credit bureau directly. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Order Credit Report : XXXX Report Fraud : XXXX XXXX I had contacted XXXX and in their investigation, they stated that they received the information from LexisNexis, who received information from the court. In LexisNexis letter, they claim to have received information from XXXX. Who is actually receiving information from whom? 

I have an email from the court, stating that they do not provide court information to credit services ( attached in pdf form ).
Product: Credit reporting or other personal consumer reports

PLEASE VERIFY THIS ACCOUNT, BECAUSE THIS INFORMATION IS INCORRECT XXXX Account # : XXXX Date Opened : XX/XX/2017
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXX # XXXX Citizens pay credit line XXXX 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 15 U.S.C 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 by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a notice from dbt solutions saying I owed on an old XXXX bill. I called them and they told me that I never returned XXXX equipment. I told them that my mother did bring package to XXXX and that she still had the proof. Thy told me to send the proof in. My mother faxed over the receipt and a letter telling them that she personally brought the package containing the equipment to XXXX for me and had gotten the receipt. she even wrote on the receipt when it was received by the company who handles the equipment for XXXX. It does not go back to XXXX but the company I guess who manufactures the equipment for XXXX. It was received on XX/XX/XXXX by a XXXX XXXX. In 2014 she had checked the tracking on line to make sure it was received. Good thing she kept the receipt. She also stated in the letter to dbt solutions that this should never even been put on my credit report in the first place. She told them I wanted it removed from the XXXX credit bureaus because it was XXXX error and this was cleared up 2 yrs. ago.. XXXX would not even talk to me about it because they said this was a old closed account and sold to dbt soultions. This was done over XXXX months ago. As of this date it is still showing up on my credit as XXXX balance but still showing as collection account. This had lowered my score by XXXX points and caused me to loose out on getting a mortgage at that time. I am still trying to get a mortgage to buy a house for my growing family as we are XXXX next month. I want this removed from my XXXX credit reports ASAP. They told me it would be but they never followed through. This has been a nightmare.
Product: Money transfer, virtual currency, or money service

Looking for refunds data from XXXX all the way up until now last one that I had did through my XXXX XXXX I should got it through my avid it was amount of {$11000.00} it was accepted XX/XX/XXXX so due time and then also XX/XX/XXXX with {$10.00} transfer from cash app to provide us multiple times I know at least XXXX
Product: Checking or savings account

The bank sent overnight XXXX letter on XX/XX/XXXX as of today XX/XX/XXXX XXXX has notified me the overnight letter has been LOST in transit replacement must be arranged asap as well as a phone in regards to this letter...
Product: Credit card

Discover Card authorized a charge for {$120.00} from XXXX XXXX XXXX this is an unauthorized charge. They allowed the company to charge my card and the charges remained even after I called Discover Card and verified my identity and notified them of the unauthorized charge the same day.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2022 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my My XXXX XXXX XXXX, TransUnion credit report., latest credit report shows below credit inquiries that I did not authorize, I am writing to dispute the following inquiries and ask for their removal from my credit report. 

as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 



1- Account name : XXXX XXXX XX/XX/2023 ( I dont have any car or house ) I dont know why I see XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

account : XXXX XXXXXXXX # XXXX account : XXXX XXXXXXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

To Whom It May Concern, I am writing to file a formal complaint regarding ongoing harassment from Aldous & Associates over a gym membership that I canceled in XXXX. Despite my cancellation, I have been repeatedly contacted about payments, and this has continued for years. 

It is absolutely frustrating and unacceptable to still be receiving calls and notices over a membership that was canceled during an uncertain time with XXXX. I fulfilled my obligation to cancel, and I should not have to deal with relentless harassment over a service I no longer use or owe anything for. 

This has gone on far too long, and I am demanding immediate resolution. I request that Aldous & Associates and XXXX XXXX ( XXXX, AZ ) cease all contact, remove any outstanding balance ( if applicable ), and stop any collection efforts immediately. 

Please investigate this issue and take the necessary action to ensure I am no longer harassed over this matter. I expect a prompt response regarding how this will be resolved. 

Thank you, XXXX XXXX XXXX
Product: Checking or savings account

I Want For Chase To Remove any Fraud Checking Accounts That Where Open With My Social Security And To Allow Me To Open a New Account In The Future. if there any Money that has to Be Paid Back Am Willing To Make Payment To Those Accounts if Chase Allow Me This Chance is Still Showing My XXXX XXXX Reports Showing On My Consumer Report I Want them to remove this account from My Consumer Report i Never Open Any Accounts from Chase So Please Remove this Fraud account I Never Open From Chase and I Never gave Chase Permission to Open this account please fix this problem..
Product: Student loan

As of XX/XX/XXXX, MOHELA increased my total loan balance by {$25000.00} and reopened three paid-in-full loans without any notice or explanation provided. I contacted MOHELA and was told that they could not provide an explanation. 

Prior to XX/XX/XXXX, I had paid in full all of my student loans except for MOHELA Loan # 03 ( Disbursed XX/XX/XXXX ). 

The loans outlined below were all paid off and currently show on StudentAid.gov as Paid in Full, but were reopened by MOHELA and assigned large principal balances : - XXXX XXXX XXXX, Direct Unsubsidized, {$20000.00} Disbursed XX/XX/XXXX & XX/XX/XXXX, MOHELA Loan # 1 : Paid in Full on XX/XX/XXXX MOHELA now shows Loan # 1 with a {$4600.00} balance. 

XXXX XXXX XXXX XXXX Direct Graduate Plus, {$6000.00} Disbursed XX/XX/XXXX, MOHELA Loan # 7 : Paid in Full on XX/XX/XXXX MOHELA now shows Loan # 7 with a {$6000.00} balance. 

- XXXXXXXX XXXX XXXX, Direct Unsubsidized, {$20000.00} Disbursed XX/XX/XXXX & XX/XX/XXXX, MOHELA Loan # 2 : Paid in Full on XX/XX/XXXX MOHELA now shows Loan # 2 with a {$13000.00} balance. 

In addition, MOHELA Loan # 3, Disbursed XX/XX/XXXX was increased from {$13000.00} to {$14000.00}. 

I contacted MOHELA by telephone on XX/XX/XXXX after discovering the discrepancy. Initially, the representative stated that the increase could be due to interest capitalization. However, I responded that that did not make sense to me as some of the loans were disbursed and fully paid during the COVID-19 payment and interest pause. After 40 minutes of waiting, the representative stated that it might be an error and that she would refer it for an " IDQ Update '' so that the full payment history and balance history could be pulled up and reviewed by MOHELA. She was unable to provide any additional information. 

I find this to be utterly unacceptable. I have diligently worked to pay thousands of dollars of student debt back during the COVID-19 interest and payment pause to avoid any interest capitalization at the end of the pause. I am happy to pay whatever balance I legally owe, but I refuse to be billed an additional {$25000.00} with absolutely no notice or accounting for that change. I feel that my legal rights have been severely curtailed in this regard and will be contacting my elected representatives as well as seeking out legal representation if necessary to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. Please remove them immediately. I am not a credit repair company nor am I a mortgage company.
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Credit reporting or other personal consumer reports

ATTENTION EQUIFAX! 
First thank you for taking the time to read this letter. Recently, I found fraudulent inquiries in my XXXX Credit report. The inquiries that I listed below are fraudulent and should be removed from my credit report. Also, I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. Please block this fraudulent information per sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. Your response to this letter is required by law. Please. Be aware this letter has been generated by me, XXXX XXXX. I have enclosed identity verification documents for you to verify my identity. 
FROUDULENT INQUIRYES! 
XXXX XXXX Inquiry date : XX/XX/scrub> XXXX XXXXXXXX XXXX Inquiry date : XX/XX/scrub>XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/scrub> XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate, unverified information on my credit report. I've disputed this inaccurate information multiple times and it keeps being updated as verified without me being provided the required verifiable proof