23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There was a contract put in place with a solar company under my name. I never met with this company nor did I sign a contract with them. I do not reside on this address. I am not a home owner to this property. I tried contacting the solar company to find out that they went out of Bussiness in 2023. This solar company was " XXXX XXXX XXXX '' I have emails to them explaining that there was fraud in my name before they went out of business. I also tried to contact the finance company associated with this loan, they are " GOODLEAP '' This company presented to want to help me investigate this problem. The home owner contacted the manager there so we try to resolve this misunderstanding. We sent several emails trying to resolve this situation, the finance company said they OPENED A CLAIM TO INVESTIGATE. Once the solar company went out of Business they completely changed their tactic and they have no intention in resolving this issue. They completely ignore me and have harassed me demanding payment on a fraud account that does not pertain to me. They also continue to send me past due bills. There is a substantial amount linked to my credit report from this finance company that need to be addressed right away. Please help me expedite this fraud so that we can finally resolve this. I can provide emails to help explain more in detail this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying Experian monthly for regular access to my credit report and score only to find out that my score which they show me when I log on is significantly lower by almost 100 points based on the mortgage lender who just pulled my score. When I called Experian to inform them that this difference has cause me great harm, they basically gave me the run a round and refused to fully refund my monthly payments. I also explained to them that I was aware of the XXXX XXXX dollar fine which they had to pay based on the fact that disclosures were not prominent enough on their website based on a report by the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Capital One is making it hard for me to dispute transactions with my Credit Card. I am experiencing extended hold times for several hours. The customer service agents arent available. The phones do not work and the agents can not hear my voice. The quality of service for the phone call is seriously degraded. The process to dispute is confusing and results are sometimes unfair to the credit card holder. Further the reasons for the results are not given.
Product: Checking or savings account

I had an account with capital one. They closed the account with out any warning at all. causing me to have fees from transactions that were already out. Also they took it upon themselves to put the funds into another account that should have never received any deposits. They refuse to pull the money back and issue a statement that they deposited the funds in the wrong account. This transaction sets a president that comingles funds that should have never be combined. This could put me in a serious position. Capital one has changed so much over the years that support is basically nonexistent. The are not following proper procedure and are doing harm to its customers. Please assist in getting me InTouch with an actual person that has some authority to actually fix issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed a XXXX account previously with Equifax in XXXX and item was removed. Then it reappeared on report in XXXX and I disputed it again. This time it was not removed and it looks like the debt was just incurred but it is actually over 10 years old. This has kept me from obtaining jobs and it is lowering my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by XXXX XXXX XXXX, through email, that my new Credit Card was on its way to me. I did not apply for, nor authorized anyone to apply for, a credit card with this company. Once I contacted the customer service department to cancel the account, I recieved a email congratulating me on the completion of an application for The XXXX XXXX XXXX Credit Card. Once i requested a credit report from all XXXX reporting companys Experian should a 3rd credit card opened by XXXX another XXXX XXXX i guess. All of these accounts were opened around the same time XXXX i did not authorize any new credit card accounts to be opened in my name!
Product: Credit reporting or other personal consumer reports

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. My distress arises from the fact that I HAVE BEEN A VICTIM OF IDENTITY THEFT, A CRIME THAT HAS INFLICTED SEVERE EMOTIONAL AND FINANCIAL TURMOIL UPON MY LIFE. YET, YOUR BUREAU 'S RESPONSE, OR RATHER THE LACK THEREOF, HAS DEMONSTRATED A SHOCKING DISREGARD FOR THE URGENCY AND GRAVITY of my situation. Let me be unequivocally clear : I WILL NOT TOLERATE THE APATHY AND INDIFFERENCE I HAVE ENCOUNTERED THUS FAR. As a victim of identity theft, I have been subjected to unauthorized accounts and transactions that have marred my credit profile and compromised my financial stability. The consequences have been dire, affecting my ability to secure loans, mortgages, and even employment opportunities. XXXX XXXX XXXX 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 delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

Subject : Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Address : My current residential address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX, but my credit report shows an outdated address as XXXX XXXX XXXX XXXX XXXX, NJ XXXX. I request that my current address be updated accordingly. 

3. Contact Information : The phone number listed on my credit report I need be updated for this one XXXX. 

4. Born : My birthday is XX/XX/year>. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at XXXX  or via email at XXXX. Thank you for your cooperation. 

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

My identity was stolen and opened a few accounts. Account with XXXX XXXX, BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter out on XX/XX/XXXX to XXXX. However the credit bureau said the completed the investigation and everything was 100 % accurate. I don't understand how is that possible. I tried calling Barclays and no one has called me back Im on the phone waiting for hrs getting transfer to different departments saying my account is closed, also they showed me the application that was done in XX/XX/XXXX not by me has incorrect information, my mothers name is filled out wrong in a security question this account wasnt open by me. According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to. How did they complete this investigation. 
Please help me resolve this issues thank you
Product: Mortgage

We submitted a request to lock our mortgage rate on XX/XX/21. Our loan officer confirmed that she had received our request and was locking it immediately. I replied within the hour to thank her for doing so. After 6 days of not getting an update, I requested the rate lock in writing. Our loan officer told us that our rate was not locked. 

Loan Officer said she would find out what happened. After about a week our loan officer said there was some sort of tech issue with locking the rate on the website. A few days later she found the reason she could not lock our rate was because our credit report had expired. She said that tech support would not tell her the reason she was unable to lock our rate. We would have appreciated being alerted that our rate was not locked. We only found out because we inquired about our rate lock. 

Our loan officer says while she will try to get management to honor the original rate lock that it appears that it most likely won't happen. We locked it today at 3 % because we do not want it to continue to increase. We understand there is a high volume of loans to process. We do not understand why we should be penalized. Any help would be welcome. Thank you.
Product: Credit card or prepaid card

RE : Adverse Action Dear JP MORGAN CHASE BANK Account number : XXXX I, the consumer and natural person, was denied credit and my account was closed without my consent by JP MORGAN CHASE BANK After I applied for a CHASE SAPPHIRE XXXX CREDIT CARD. Adverse action against a Consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by JP MORGAN CHASE BANK due to the response I received.JP MORGAN CHASE BANK is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore because my social security number, CHASE SAPPHIRE XXXX CREDIT CARD was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of JP MORGAN CHASE BANK. If JP MORGAN CHASE BANK fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit I will indeed make JP MORGAN CHASE BANK criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). 

Thank you, XXXX XXXX XXXX / Agent/Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved.
Product: Debt collection

XX/XX/XXXX, XX/XX/XXXX, plus dates from XXXX. This debt is 11 years old.  The amount owed is {$10000.00}. The original creditor is XXXX XXXXXXXX XXXX or XXXX. There have been numerous collection agencies trying to collect this debt, but they have all been unsuccessful. I was not able to pay the debt at the time, because I was unemployed and I had other bills that I had to pay, or risk losing my apartment or my car. XXXX XXXX XXXXXXXX, XXXX is the debt collector who has been relentless. They will not let up. It has been eleven years and the statue of limitations is long over and they continue to send me correspondence and call my cell number, continually harassing me over this expired debt. They recently sold this debt to another collection agency, XXXX XXXX XXXX XXXX and it continues. I am now being harassed by XXXX. I was advised to send a cease and desist letter to Portfolio, which I did on XX/XX/XXXX. I sent it certified with a return receipt. I have the return receipt for my records. I would like this situation to be resolved with Portfolio and XXXX not having access to my personal information anymore. I would like them to shred my information, such as my social security number, name, address, cell # and any other pertinent information of mine that they do not need. I fear that this will never end. Portfolio sold my debt to XXXX and then XXXX will sell my debt to another company and so on and this ridiculous and outrageous situation will never end. I can see this lasting forever, like another thirty, or forty years if something or someone will not terminate this.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian responded to my complaint indicating that they need " authorization ''. So I called their consumer services numbers at ( XXXX ) XXXX XXXX and ( XXXX ) XXXX. Both did not provide me with human customer service. Instead I was given only two automated options and a statement that said " I can not connect you to any specialist right now ''. How am I supposed to given " authorization '' into a existing dispute when I can not speak to anyone? This is unacceptable. I have been disputing these accounts with them for over 45 days. by law they are required to delete the items I have mentioned.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I had I had a fraudulent account on my credit report. Please remove this account from my credit report. This is hurting my ability to obtain credit.
Product: Debt collection

I keep getting calls everyday from portfolio recovery, I have no debt anymore or its old debt, nothing on my credit report, I have good credit, the numbers are either from local area code XXXX or from various areas out of state, or counties. No messages ever left and sooo many different numbers I keep blocking them or are automatically blocked through an app I have saying its a scam? This is very stressful and needs to stop
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to address the fraudulent personal information linked to my identity. I have discovered accounts and transactions that were falsely attributed to me without my knowledge or consent, causing significant distress and concern. I want to emphasize that I am a victim of identity theft and have taken immediate steps to report the incident. It is of utmost importance to rectify this situation promptly, as it has had a severe negative impact on both my financial well-being and personal reputation. I kindly request your full cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into the matter. I am prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this matter is highly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian serveral times to get my name correct on my report and they refuse to change it. 

XXXX Name ID Number XXXX Report Number They also have address I have never lived at : XXXX Address ID Number XXXX Report Number XXXX Address ID Number XXXX Report Number XXXX Address ID Number XXXX Report Number XXXX Address ID Number XXXX Report Number XXXX Address ID Number XXXX Report Number
Product: Consumer Loan

Santander had picked up my vehicle as a repossession due to non-payment. Within XXXX hours, I had picked my vehicle back up, paid all applicable fees to have It released to me and have not had any problems since. To date, the company still shows the account as charged off and rarely updates the balance due. I pay my regular note each month and they are still reporting as a charge off. According to the definition, a charge off is considered uncollectable debt. My biggest concern is that it should show an updated status versus charge off. Also, the lender may have written this debt off but collected the credits at year-end that came with the write off. Is n't this double jeopardy, especially if I have the vehicle and am still making payments?
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guid
ance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

The companies primarily of concern are 1. Equifax, XXXX. XXXX, and 3. XXXX. 
Theyve reported several egregious inaccuracies, so egregious that Ive hired several credit repair agencies to help. However, my concern is these agencies, in order to remain profitable, they require clients over a certain term. I recently paid off a two collections ( XXXX and XXXX XXXX XXXX via XXXX XXXX ( one of which is not labeled a collection in XXXX ) ) ; and a major charge-off ( XXXX XXXX via XXXX XXXX XXXX ) that was close to 8 years old ( 7 years and 10 months ). 
Equifax has especially been problematic because they, for some insidious reason, display a duplicate of the same XXXX account I just settled and closed. Ive submitted the settlement letter indicating the status of this account via several disputes, spoke on the phone for 20+ minutes with various Equifax representatives, and offered to provide and/or establish a telephonic meeting between XXXX and Equifax XXXX which was expectedly declined. 
Ive done the work and made some difficult choices to correct my financial health. My job has limited me from certain aspects and tasks. I need these credit bureaus to do their due diligence in reporting, just as I have and still do on XXXX XXXX in serving and protecting this country.
Product: Mortgage

The original mortgage was held by XXXX XXXX XXXX. My monthly payment was {$650.00}. This loan was then transferred to Bayview Loan Servicing as of XX/XX/17., with an interest rate of 10,19 %. At this point. I requested a loan modification due to my inability to pay the note based upon my income. I am a retired person with a fixed income. I did reach out to HUD for assistance in developing a schedule of my income and debts showing my inability to pay this mortgage amount. After speaking with HUD representative for several weeks and sending the schedule requested, I was unable to reach the individual who was assigned to me. After many tries, I called the main # and that persons indicated that the assigned person was out ( sick leave ) I asked if they would forward the information on to Bayview, XXXX XXXX, Asset Manager, who was the contact person @ Bayview, working up the modification request. 
I am not sure if they used the package of information sent to them by HUD, even though it was sent. 
During the modification loan process, I was told that I did not have to pay the monthly note, those missed payments would be added to the loan when approved. I did not know that they would report the late payments to the credit Bureau which affected my credit score. It was my intention to get my credit score up to a point that I could qualify for an FHA loan with a lower interest rate. 
I have asked BayView to remove this from my credit report since the total deliquent amount was added to the loan which made my loan increase from {$36000.00} to {$40000.00} ( interest being added ) My other concern is that this loan is being secured by a home ( my house ) and 23 acres of real estate.. Secured by more than 3 times that of the loan. I have indicated to both XXXX and Bay View that I did have a description of my deed with house and 3 acreage, which would cover the loan. THEY WOULD NOT ACCEPT THIS!!!! 
This property is my inherited property from my Grandfather. That is the reason I had the surveyor to cut out three acres around the house in case I wanted to borrow against. 
Secondly, the 10.190 % interest is predatory
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX, Account name : XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.