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

Companies involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX License : XXXX Dividend finance. 

XXXX : New roof and solar installed. 
XX/XX/XXXX : It was obvious that the system installed is not the system I paid for by looking at the power generation. 
XX/XX/XXXX : Sent text message to the sales rep ( XXXX XXXX who never answered. 
XX/XX/XXXX : Called sales rep ( XXXX XXXX twice and went straight to voicemail. 
XX/XX/XXXX : Called operations ( XXXX XXXX ) and discussed how I am extremely unhappy with the solar results. He told me to email him and his office manager XXXX XXXX XXXX ) and himself. In an email XXXX said " If after a full year of production, and your system doesn't produce at least 85 % of the promised estimated production in your contract, we will add additional panels at no additional cost to meet that production moving forward. '' XX/XX/XXXX : Emailed XXXX after having the system for a year and analyzing the output to reveal the system produced 48 % of what they promised. Asked for the additional panels. Told that they would review my case. 
XX/XX/XXXX : XXXX asked about tree trimming. I replied with pictures showing my trees are not blocking my roof. 
XX/XX/XXXX : XXXX said her manager will review. 
XX/XX/XXXX : No response to my request for an update. 
XX/XX/XXXX : No response to my request for an update. 
XX/XX/XXXX : XXXX asked for more information about my trees. I responded and gave more pictures. I also said that she already committed to installing more panels and the tree talk is irrelevant. 
XX/XX/XXXX : No response to my request for an update. 

The loan is fraudulent. The service company delivered less than half of what was promised and will not remedy. 
Owe : {$120000.00} ( Financed {$80000.00} )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has been reporting missing payments to credit bureaus for months that I paid and I have proof. Since I purchased this vehicle it has been nothing but problems with this finance company. XXXX, XXXX, XXXX, Payments were drafted out of my bank account. Im currently going back other months with my bank. XXXX XXXX XXXX has been doing bad business since this vehicle was purchased. Over priced finance charges even with a co-signer and a large down payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has had numerous of attempts to fix my identity theft problems for months and now all of a sudden this breach has made it even more harder on me and my family with the identity theft. I have over 20 identity theft accounts on my credit report and over 40 something inquiries that I did n't authorize and 4 public records that are not mine I have never filed for Bankruptcy and this company still had n't done anything to fix all these issues. If this information is not updated and removed within 30 days I will fill a class action lawsuit for emotional distress and not investigating properly. I ca n't even get a job because all of the errors on my credit report. This company got breach because they are a sorry excuse for a credit reporting agency and they all should be fired. They hang up on people all the time and never really investigate anything.i have sent all my police reports and fraud affidavits to this company over and over and I would like freeze placed on my permanently and sent a code to unlock it when I want too
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX i have already disputed these accounts, but the bureaus did not remove them, nor prove validation. 
under Sec. 602 " I have a right to privacy ''
Product: Mortgage

XX/XX/XXXX new home was purchased and all property taxes were paid in full through escrow. 
XX/XX/XXXX PNC purchased mortgage loan from a different lender. 
XX/XX/XXXX Real Estate Taxes were reported as delinquent by PNC Bank. 
XX/XX/XXXX XXXX County Nevada County Property Tax Assessor stated real estate taxes were not delinquent. 

XX/XX/XXXX PNC Bank stated that XX/XX/XXXX tax installment was unpaid. 

We purchased property XX/XX/XXXX PNC Bank threatened to impose penalties and mandatory escrow.
Product: Money transfer, virtual currency, or money service

Woke up to an overdrawn bank account on the morning of XX/XX/XXXX. As it turns out Coinbase double charged my account {$1000.00} plus an {$8.00} ISA Fee late at night on XX/XX/XXXX. My last successful transaction was XX/XX/XXXX for {$1000.00}, which leads me to believe this is a double charge. This problem has affected numerous people internationally, and Coinbase support has been non-responsive. Last night they blamed XXXX for this issue while this morning XXXX has come out and said this issue is on Coinbase. It seems no one has had any succesful communication with Coinbase Support, and their social media accounts are only replying with cookie-cutter responses. I fear this may be a scam or hack.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has violated my consumer rights. They will not remove or fix a XXXX XXXX XXXX account from my consumer file that shows a wrong date of last activity. They are infringing on my consumer right to privacy, I did not give them permission to publish this on my consumer report, they do not reinvestigate my consumer report to make sure the information is correct like congress said they had to and they are being unwillful in complying.
Product: Credit reporting or other personal consumer reports

Ive noticed that XXXX XXXX from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure XXXX possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX XXXX  and my XXXX XXXX 

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

I 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 nephew, 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 XXXX out of XXXX 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 || Account # : XXXX - XXXX XXXX || Account # : XXXX
Product: Vehicle loan or lease

Shabana Motors XXXX XXXX XXXX XXXX XXXX The attached document is how much my car is in need to be fixed, the quote is from a direct partnership with Shabana Motors, meaning XXXX is a credible place to receive a quote, Shabana Motors manager told me that the people at XXXX XXXX probably wanting to overcharge me, which makes me question, why are yall in a partnership with XXXX if you dont trust them? My car at this point no longer drives, I think that the vehicle I currently own needs to be put down in a junk yard.my car is only worth XXXX $ but I bought it for {$16000.00}. This car is completely dead and no longer drive-able, my note is {$500.00} a month, I am a XXXX year old XXXX XXXX working 2 jobs and my car is very expensive with repairs and the lease is highly expensive. They are threatening me with repossession. I need help!!!!
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Equifax regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Checking or savings account

My account was closed due to a check being deposited in my checking that I have no knowledge of and overdraft fees
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may Concern I'm a victim of identity Theft. someone stole my identity and open accounts without my consent this is crazy I cant understand how this is possible I'm very upset about this situation and something needs to be done about this, they stole money out of my bank accounts and totally ruin my life I need help so that i can get my life back together
Product: Checking or savings account

I had a refund coming to me of XXXX and when they deposited on my account the bank took it money back and made my account negative and they are forcing me to pay it back when it was money that was own to me
Product: Debt collection

This Debt was originally satisfied by a previous FTC report, in this regard the debt was sold to a collector and has now repaired under a different collections account
Product: Credit reporting or other personal consumer reports

Experian is providing information about a legal matter that has been dismissed. I provided a copy of the court document and the account remains on my report where other reporting agencies have deleted.
Product: Mortgage

Specialized Loan Servicing on behalf of XXXX XXXX XXXX XXXX XXXX XXXX My mom 's mortgage has fallen into default and we are trying to work out a repayment plan or a deferment plan or modification that could help us keep our home and not have it be foreclosed on. At the SLS agent 's request we applied for XXXX XXXX Assistance but were only given the same options as listed in the last complaint a short-sale or deed-in-lieu to resolve the financial hardship and deferred payments created by XXXX. Additionally I spoke with an agent who suggested applying for mortgage assistance through the state which we did apply for but due to my mom being on a fixed income through social security XXXX we were denied mortgage and utility assistance which could have helped to bring the account current through the state of Georgia where we reside and where the property is. 

We believe firmly that we have an avoidable foreclosure and that the financial hardship we suffered during the pandemic should qualify us for additional retention options but when I ask the customer resolution agents they say they can't share information with us about the decision. 

Me and my XXXX mother don't have good credit, don't have much money now, and have been trying to get the mortgage in good standing but SLS has made it very hard at every turn. 

Additionally we were contacted by XXXX XXXX XXXX to have them represent us for their Hardship Compliance Program. I asked an SLS agent today if that would help and they said that it wouldn't help us and that those companies typically take the money and run. 

This complaint is for the reconsideration of loss prevention options and to escalate our request since there was no option to do so with SLS and resolve this to our mutual satisfaction through contacting SLS directly.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX, XXXX & XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. 
I do ask considering the good standing relationship we have that you remove this 30 day late from my credit report and refund any late fees assessed on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent inquires as I have no knowledge of any of these inquires due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX XXXX on XX/XX/XXXX for XXXX Ive paid my payments on time but thier keep sending me extra late interest payments fees that I have no knowledge of.The balance of this vehicle as of XX/XX/XXXX is for XXXX or more which is fraudulent charges and false statements.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several items that appear to be inaccurate, unverifiable, and questionable. These errors have significantly impacted my mental well-being. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ) ), it is your responsibility to ensure that all information reported is 100 % accurate and properly validated.

The accounts in question do not meet this standard and must either be corrected or removed from my credit file. I have attached copies of prior correspondence regarding these matters for your review.
Product: Credit reporting

Experian shows that I owe {$2600.00} to XXXX XXXX, but this debt was paid in full in XXXX of 2015.
Product: Credit reporting or other personal consumer reports

Hello this is my second complaint against TSI. They are still reporting inaccurate and incomplete information on my credit report. This is an FCRA violation. I have also asked them to cease all communication with me and they still keep contacting me. I am well aware of the consumer laws and they are in violation. My attorney has advised me that I can sue them for {$1000.00} per violation. I'm sure they would hate to be sued for a higher amount than the alleged debt. I also spoke with the original creditor XXXXXX/XX/XXXX and they were not willing to accept payment from me, so why would I pay a 3rd party collector who I never signed a contract with? First off, the balance is incorrect and second, they will need to send it back to the original creditor so I can make some sort of agreement with them. I do not see the point of keeping this collection on file after I clearly stated to cease all communication with me.

As per the FDCPA 15 U.S. Code 1692g, I have the right to request a validation of this debt. I would like the following hard copies : 1. Agreement that authorizes TSI to collect on this alleged debt.

2. The correct amount of debt itemized and listed.

3. Contract with my signature.

4. Any payment history on this debt.

Thank you for your time
Product: Checking or savings account

My auto renewal Chase bank CD was closed and funds were transferred to my checking account.! 

I opened the CD on XX/XX/XXXX, and on XX/XX/XXXXXXXX  my CD was closed, and funds transferred to my checking account without my knowledge.! 

I complained at the branch and was referred to the XXXX XXXX XXXX XXXX XXXX. I was contacted by XXXX at XXXX, extension XXXX. 
She said that she / bank will only communicate verbally.! 
She was unable to trace who authorized the closure of my CD account.!!
Product: Mortgage

My original mortgage was through Americas Wholesale Lenders a subsidiary of Countrywide Home Loans and was a predatory loan. I purchased my home in XX/XX/XXXX with a jumbo loan from for {$610000.00} with XXXX down and 100 % financing on a 30 year ARM with a 8.5 % interest rate on a first and second mortgage.Bank of America acquired Countrywide. I initially fell behind on payments when I was displaced from my XXXX job in XXXX as my position was eliminated as a reduction in force. I was forced to file bankruptcy in XXXX. After my discharge, Bank of America offered a loan modification instead of foreclosure. I submitted multiple packages for the next two years yet they never actually modified the loan. Shortly, thereafter Bank of America was made to settle on these loans they acquired. I was included in the class action and received several payments including the loans being forgiven. Bank of America forgave the loans. I received a letter from ReconTrust stating the loan was satisfied which I verified with Bank of America. I didn't have any more contact with Bank of America. Six years later XXXX XXXX XXXX XXXX XXXX uses a fraudulent notary document to assign the deed so they can try to foreclose. XXXX XXXX XXXX XXXX XXXX is a subsidiary of Bank of America. The notary on the document XXXX XXXX is a suspected robo-signer on several websites helping Bank of America to illegally foreclose on home loans. He is currently incarcerated for fraud, and the notary itself does not exist. I have the certificate of non fact filing from XXXX XXXX County Recorder of Deeds. I have written to DC Recorder of Deeds several times and never got a response. I have spoken with several representatives at DC Recorder of Deeds and their position is that if the document is notarized and " looks '' legitimate it is accepted. They have stated to me that they do not verify the authenticity of the documents or their validity. I asked would they reverse the filing and was told a resounding No. XXXX XXXX XXXX XXXX XXXX is attempting to foreclose on my home due to a predatory loan. They took money from me after I filed bankruptcy to do a Trial Payment Plan only to move forward with a foreclosure sale anyway which violates bankruptcy laws. They stated that my income isn't enough to qualify for a modification but the loan was predatory in nature and was more than I could afford from the beginning and they knew it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian, XXXX and XXXX to remove all fraud alerts from my profile.
Product: Checking or savings account

On XX/XX/XXXX my card was compromised and used to withdraw funds from my Cash App account & was also used to make a purchase at a store all within 15 minutes or so. I reported the issue Immediately and had an unauthorized dispute claim initiated. Cash App found 1 of the charges to be unauthorized, but denied the others. Very unusual denying my claim even though these transactions occurred within " minutes of each other. 


Description : XXXX XXXX Date : XX/XX/2023 Amount : $ XXXX Description : XXXX XXXX XXXX XXXX : XX/XX/2023 Amount : $ XXXX Description : XXXX XXXX  Date XX/XX/ XXXX : $ XXXX Description : XXXX XXXX Date : XX/XX/ Amount XXXX XXXX XXXX Description : XXXX XXXX  Date : XX/XX/2023 Amount : $ XXXX XXXX CASH APP XXXX XXXX  ) Description XXXX XXXX XXXX  Date :XX/XX/2023 Amount : $ XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unaware accounts and inquiries on my credit account which I have no clue where they came from. I have n't used my credit account in over 20 years. I have attached the accounts down below. The inquiries are fraudulent. If the inquiries are n't removed I will be taking legal actions against all person liable for this.
Product: Prepaid card

On XX/XX/XXXX I requested a replacement card from Serve American Express Prepaid Debit Account as mine cracked and was not usable. They took the replacement fee from my account at that time. 

On XX/XX/XXXX I called as I had not received my replacement card ( which my paychecks are deposited on ). The lady said my address was not verified and it would be XXXX to XXXX business days and I would get a new card. 

On XX/XX/XXXX I called and the gentleman said he could not help me as it was not XXXX business days. 

On XX/XX/XXXX I called, again being told my address was not verified and it would be XXXX to XXXX business days. At this point, it has been over a month without access to my money. I have been unable to pay bills, buy food or gas. I asked for them to expedite the card and was told they could not do that, as I needed to wait the XXXX full business days.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be blocked and removed : XXXX {$830.00} XXXX - remove acct XXXXXXXX XXXX {$0.00} XXXX remove acct XXXX XXXX {$0.00} XXXX remove acct XXXX XXXX {$570.00} XXXX XXXX acct XXXX XXXXXXXX XXXXXX/XX/2024 - remove inquiry XXXX XXXX XXXX remove inquiry XXXX XXXX inquiry XXXX XXXX XXXX remove Inquiry XXXX XXXX XXXX remove inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act you are reporting inaccurate information that does not belong to me. XXXX, Experian, and XXXX XXXX. 

XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX 15 USC 1681 Section 602 states I have a right to privacy. 

15 USC 1681 Section 604 states a credit reporting agency can not furnish an account without my instructions.