23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

MOSAIC FINANCE CLAIMS TO HAVE UNDERWRITTEN A LOAN TO ME FOR A SOLAR SYSTEM INSTALLATION ON MY HOME ON XXXX.  THE LOAN PROCESS APPLICATION WAS APPLIED FOR IN MY HOME ONLINE WITH THE ASSISTANCE OF A SALESPERSON FROM THE NOW-FAILED SOLAR COMPANY, XXXX XXXX XXXX XXXX XXXX XXXX.  MOSAIC ENTERED INTO A FINANCING AGREEMENT FOR XXXX XXXX CLIENTS.  

AS OF XXXX, XXXX  BEGAN BILLING ME FOR THE MATERIAL SECTION OF THE LOAN AT XXXX A MONTH.  MOSAIC CLAIMS IT PROVIDED FUNDS TO PURCHASE MATERIAL TO XXXX XXXX.  TO DATE, I HAVE NO EVIDENCE THAT SUCH FUNDS WERE PAID TO XXXX.  IF IN FACT THE FUNDS WERE ISSUED TO XXXX, I CONTEND IT WAS MADE ERRONIOUSLY BY MOSAIC DUE TO THE FACT THAT THEY KNEW THAT DOCUMENTED LEGAL COMPLAINTS WERE BEING MADE AGAINST XXXX.  XXXX XXXX IS CURRENTLY BEING
SUED BY THE ATTORNEY GENERAL OF XXXX  FOR NEFARIOUS BUSINESS TACTICS AGAINST XXXX  HOMEOWNERS.  THE COMPLAINT LISTS COMPLAINTS GOING BACK THROUGH XXXX.

I WAS CONTACTED BY A MOSAIC REPRESENTITIVE WITH THE INTENT TO GATHER FACTS ABOUT ANY MATERIAL OR LABOR PERFORMED BY XXXX.  I EXPLAINED THAT I HAD RECEIVED NOTHING.  I ASKED HIM FOR FURTHER ASSISTANCE, AND HE EXPLAINED THAT HE COULD OFFER NOTHING AND THAT I WOULD BE CONTACTED BY A RISK REPRESENTATIVE AT SOME POINT.  

TO DATE, I HAVE NOT BEEN CONTACTED BY ANY MOSAIC REPRESENTITIVES IN REMEDIATION OF THIS ISSUE.  I CONTINUE TO GET BILLS AND LATE PAYMET NOTICES.  I RECEIVED AN EMAIL, AND I AM ATTACHING HERE DOCUMENTS PERTAINING TO SOME FORM OF ASSISTANCE.  HOWEVER, NO SUCH ASSISTANCE WAS EVER PROVIDED.

IT IS MY OPINION THAT MOSAIC MAY HAVE OR MAY NOT HAVE ISSUED FUNDS, BUT THEY ARE BILLING ME ANYWAY FOR A LOAN WITH THEIR FULL KNOWLEDGE OF XXXX XXXX FINANCIAL COLLAPSE AND POSSIBLE FRAUD AGAINST CONSUMERS.  

MOSAIC
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Last Monday, the XXXX of XXXX at about XXXX someone hacked my account and moved XXXX from my savings into my checking, then transferred XXXX and XXXX to their own debit card which I did not put on my account, incurring 2 instant transfer fees of XXXX and XXXX respectively. 

Since then I have been on the phone with them countless times as they assured me they were handling it. Earlier this week they unlocked my account but there was nothing said or replaced in terms of the funds stolen. Since then they have only told me that I need to wait for an email from the proper department because the department handling my case didn't take phone calls. I have been waiting for days and not a single email from this mysterious " department '' and my bills are piling up. 
My electric company is threatening to shut me off, my gas company is at my XXXX my car insurance is about to lapse, among many many other problems that stem from not having access to my funds. 

The company has verbally acknowledged that it has been over 10 days while on the phone with me today ( XX/XX/24 ) and I informed them I was filing a complaint.
Product: Checking or savings account

this is a complaint against navy federal credit union regarding multiple overdraft fees I have incurred, despite having funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits, this issue aligns with the recent findings against NFCU for similar breeches of duty and practices, where transactions settled with insufficient balances despite initially available funds, I believe an investigation into my now closed account transactions will show these multiple offenses, these practices are unfair and I request an investigation into my account transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my right .

15 U.S.C 1681 section 602 A states I have the right to privacy..

15 U.S.C 1681 section 602 A Section2 : it also a Consumer reporting agency can not furnish a account without my written instructions..
Product: Credit card or prepaid card

Applied for a wellsfargo business platinum credit card for the {$500.00} offer never received I was approved for {$10000.00} limit few months later I'd add signers for the credit card witch wellsfargo assigned part of my credit limits to the signers after overall spending I was able to complete the requirements for the promotions but wellsfargo says that I did not meet the requiremints for the promotions because I've add signers to my credit card, I am a personal representative for the credit card I should have a full control for the credit card
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft, leading to the inclusion of multiple fraudulent entries on my credit report without my knowledge or consent. 5 Unauthorized accounts and 10 inquiries have appeared on my report, none of which I approved. 

- Accounts : - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - Inquiries : - XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX I have already submitted a report to the Federal Trade Commission ( FTC ) regarding this identity theft and now request the immediate removal of these fraudulent items to ensure the accuracy of my credit report.
Product: Student loan

There are two complaints I have to file that are interrelated to each other. The first is that Nelnet, my student loan company, changed the address and phone numbers on my account without my knowledge or consent. I would like to know exactly why and how this could have occurred. Second, this change in my contact information had a direct negative impact on my FICO credit score. From what Nelnet has told me they did not receive proof of income from me when they requested it XX/XX/XXXX. I did get the notice and sent it. In XX/XX/XXXX I received a letter/statement from Nelnet dated XX/XX/XXXX current balance {$35000.00} current amount due {$0.00}, Leading me to believe my account was in good standings. During this time I had moved from XXXX, XXXX to XXXX XXXX, XXXX. One day I had happened to be checking my junk email and came across an email from Nelnet stating that stating to reply yes to keep my forberance this was in XX/XX/XXXX, which i did. I qualify for the program because I receive XXXX XXXX XXXX. I called a few weeks later and followed up to check to see if my account was in good standings after i replied to the email because I was going to begin the process of buying a home. I called Nelnet and the representative said yes your account is in good standings and I do not owe anything at this time. The representative and I went on to update my address and phone number when she was asking me about an address somewhere in XXXX XXXX and phone numbers that once belonged to my former mother in law and ex husband. I was a bit baffled by this but continued to update my information. As i was saying I was looking into buying a house. My financial institution that I was going to get my loan from, whom I got my car loan from ran my credit report and said that Nelnet had reported me over 180 days late on my student loan payment which I still dont understand how this could be. I last checked and my foreberance was good for a year. as well as if there was an issue of them not receiving needed documentation they could have contacted me. yes my address and phone numbers changed to XXXX from XXXX. If Nelnet was trying to reach me why did they not actually look for ME? I am easy to find with the resources they have. Had they automatically updated my adress to where I was at not former relations of mine then I would never have gone over 180 days late on any payment.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 pursuant to XXXX XXXX XXXX, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( XXXX ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter XXXX states the following ; ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( XXXX ) ( B ) ( XXXX ) ; ( XXXX ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights have been violatedXXXX XXXX XXXX XXXX XXXX XXXX The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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.

This account is not mine and has been opened fraudulently. DELETE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX and Transunion Credit Bureaus, a credit reporting agency that has reported negative and inaccurate accounts information on my credit report. The status of accounts appeared as inaccurate and fraudulent. I believe the accounts information are inaccurate, such as incorrect balance nor wrong account status. I have previously disputed these inaccuracies with the credit reporting agency or the creditor. With that, I am requesting that the credit reporting agency would promptly investigate and removed the inaccurate accountsand personal information on my credit report. Additionally, I request for the removal of negative items that are inaccurate or outdated. I believe that the inaccuracies and negative accounts information on my credit report are causing undue harm to my creditworthiness and financial well-being. I kindly request that the CFPB investigates this matter and takes the necessary steps to ensure the accuracy and fairness of my credit report. The fraudulent accounts 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
Product: Vehicle loan or lease

On XX/XX/XXXX I entered into {$24000.00} loan agreement ( attached ) with Toyota Financial Services ( aka XXXX  of XXXX XXXX XXXX XXXX ). The Loan ( no. XXXX ) was subsequently refinanced with XXXX XXXX  XXXX XXXX and paid off in full in XXXX. 
My complaint is with the original loan issuer, Toyota Financial as driven by the following circustames which I believe to have punitive, predatory and illegal. 

During the loan closing I was advised by the Finance Manager, XXXX XXXX XXXX XXXX, that I could not quality for the loan due my " poor credit '' which was based on my then XXXX score of XXXX and a past bankruptcy filing in XXXX, and that the only way for me to get the loan was sign up for ancillary and unwanted products as follows : {$2900.00} for Optional Mechanical Breakdown {$1400.00} for Pre paid maintenance {$990.00} for Tire and Wheel Safe Gaurd I was " railroaded '' into taking these services under threat of not being able to buy the car I has negotiated the price after several hours of haggling at the dealership. 
I complaint is being file at this later juncture since I become more aware of my rights now after some research. I am seeking redress in the form of refund of the unwanted product costs and for forgiveness for and refund of the entire debt. 

Thank you for your review of my case. Please call or email me with any questions. 

XXXX XXXX, XXXX.
Product: Mortgage

My mortgage account was purchased from another company and bought by Newrez Shellpointe. This is the first transactions/interactions with the new company. 

On XX/XX/year>, my bank account was charged the expected amount that I had set up with the previous mortgage company. 
On XX/XX/year>, my bank account was charged a second time with the same amount without a reversal. 
I gave a couple business days for a reversal and one was not completed. 
I called the company 's service line on XX/XX/XXXX and spoke to a representative who stated that they knew there was an incorrect second amount but their system showed that it was already reversed. I stated in the call that not only was it was not reversed, but that there was no documentation to go with all the transactions that had occurred. The representative put me on hold, then stated that I was correct, the reversal did not happen and they would process it in XXXX-3 business days. Additionally, he stated that by XX/XX/XXXX, I would see the documentation with all transactions in my accounts ( there was a lag because they had recently purchased my account ). 
XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX passed ( 5 business days ) and no correction was made. I called my bank on the XXXX to ensure nothing was held up on their end and they said nothing was incoming. 
On XX/XX/XXXX, I received an automatic email noting that the documentation was ready and in my account, but upon reviewing, not only did it not show the secondary posting, but it did not show a reversal or anything else that occurred during the month of issues. 

My formal complaint is- they have double charged, kept incorrect documentation as to what has occurred even within their own system ( " it was already reversed '' " I see this was not actually reversed '' ), did not keep to their timeline about reversal, and then provided incorrect documentation without anything noted of the original double posting issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is falsely reporting an account that does not belong to me and they have not removed it. They haven't sent me any information regarding why they continue to leave it on there. 
XXXX is falsely reporting an account that does not belong to me and they have not removed it. They haven't sent me any information regarding why they continue to leave it on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that still reporting on my account : XXXX {$390.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX XX/XX/year> To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off for {$26000.00} from XXXX XXXX XXXX XXXX XXXX on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XXXX XXXX. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request. 

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

I just checked and reviewed again my XXXX, TransUnion and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Debt collection

I pulled my credit reports today, XX/XX/XXXX to find I have a collection listed on my reports by Midland Funding LLC for account # XXXX. Upon further research I found this was a debt purchased from XXXX XXXX XXXX. I was not notified of the attempt to collect a debt prior to it appearing on my credit report. Rather than allowing it to revolve on my credit until XX/XX/XXXX, I am willing to offer a settlement of {$100.00} being that they paid XXXX  on the dollar for the debt anyway, but again they also did not follow FCRA guidelines on notifying me in timely manner of the debt to allow me time to investigate and dispute if needed. I attempted numerous times to dispute this to no avail. If the settlement is acceptable, payment will be issued immediately. I must receive written notice that this debt will be removed from all credit reports and settled with original debtor if need be. It will be acknowledged the debt to be removed and considered paid in full.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Alleged Amount {$260.00} I am filing a complaint against Equifax and XXXX XXXX XXXX XXXX for failing to respond and properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, Equifax and XXXX XXXX XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.