23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX we purchase a home which already had solar. In XXXX our bills from XXXX started rising up. The first bill was XXXX plus the payments we would make to the solar company with were close to XXXX. Then XXXX came along and it was XXXX plus the solar bills which ended up at about XXXX. I started to question why our bills were so high if we live in a house not a building. If we had solar it made no sense. The solar company stated our system was offline but we were getting billed based on estimates. I kept emailing and calling asking them to come out and check our system. In XXXX my settlement bill for XXXX  is XXXX. I kept on calling and recording the representatives stating we were offline and our solar wasn't producing. I've opened multiple complaints with different government agencies and nobody seems to help. Everybody tends to send the ball a different way. They finally sent a company out XX/XX/XXXX which stated our system was fine. Then after that I hired a solar consultant that came out and showed me picture of our system and it was of course not working and a diagnostic of the problem. As we already new the solar system wasn't working. Meanwhile they sent me to collection. Which I find unfair that they would send me to collection for a service I am not receiving and also for them billing me on something that's not there. I've reached out to them to make a remedy of this issue and they have not been wanting to help. They not also not performing any more solar systems but make us stay hand tied because they tell you to add more panels to your house with another company yet no company wants to add due to the house already having a system in place. I have already endured a lot of expenses with this issue to have them ruined my credit with a service I didn't receive. I can provide pictures, bills, and emails.They state on the complaint I opened previously I canceled an appointment but how are you giving me one day notice to be home. I asked to be rescheduled for another day and they said they would call me back. Til this day I have not received a call. I also have a recording where they state if I don't pay they would send me to collection. It seems un fair they want to go get paid for a service I wasn't getting and not wanting to come out and fix the issue. I hope the CFPB takes action on this to help the consumer not get screwed over these companies that take advantage of the people. Im drowining in bills to keep our electricity on and yet this companies are not doing one thing to resolve the matter. I've searched and there are many people like me trying to get help.
Product: Debt collection

ASSETCARE LLC and XXXX XXXX  have made numerous amounts of debts on my credit. I have had to dispute them time and time again. It's getting to the point that I don't know if someone is stealing my identity or if they are doing it on purpose. Every time I dispute it another pops up from them. I don't know where they are coming from. I wish it could just stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I have an OPEN negative account on my credit report that I am unaware about showing on XXXX and XXXX. I am not responsible for this collection on my credit report. Before I continue, the creditor information is Franklin Collection. The original creditor that is showing is XXXX XXXX XXXX The balance for this account is {$190.00}. Now, this account was deleted from my credit file from last year 2022. I called my credit bureaus and disputed this same exact account last year and the results came back to be verified as erroneous and the collection was deleted from my credit file. XXXX and XXXX should have this on file that this account was once deleted before. In my very own investigation, the first company that added this same collection on my credit report was XXXX XXXX XXXX. Now, the new company that is in charge of this same collection is Franklin Collection. I did not authorize a 3rd party debt collection agency to place this debt that does not belong to me on my credit report. Under the Fair Credit Reporting Act, it is against the law for collection agencies to report debt that they know is inaccurate. Based upon laws and regulations of the FCRA, The Fair Credit Reporting Act promotes accuracy, fairness, and the protection of personal information gathered by Credit Reporting Agencies and regulates access to consumer credit report records. I need to have this account blocked and removed from my credit report immediately.
Product: Mortgage

I'VE SENT LETTERS TO XXXX XXXX ASKING FOR DEBT VALIDATION INFO, THE WET INK SIGNATURES THAT BINDS BOTH PARTIES TOGETHER IN THIS CONTRACT BY CERTIFIED MAIL, EQUAL CONSIDERATION ( SHOWING THAT THEY PUT UP THE MONEY THAT WAS LOANED TO ME FOR THIS MORTGAGE. FULL DISCLOSURE THAT I WAS THE ACTUAL PERSON FUNDING THE MORTGAGE. IT IS MY UNDERSTANDING THAT MY SECURITY COLLATERAL IS OWED SECURITY INTEREST THAT PHH IS REFUSING TO PAY IN THE FORM OF SETOFF OF MY MORTGAGE PAYMENTS PER XXXX SECTION 16- PART 1 AND 2, AS DESCRIBED IN NOTE ISSUES, SECTION 29 AS IT PERTAINS TO CIVIL MONEY. IT IS APPARENT TO ME THAT PHH, XXXX AND XXXX IS COMMITTING SECURITY FRAUD AND HAS BREACHED THE CONTRACT. I DO INTEND TO EXPOSE THIS FRAUD AND PURSUE ANY AND ALL LEGAL RAMIFICATIONS WITHIN MY POWER I TRUSTED THAT GOOD FAITH WAS BEING PRACTICED AT THIS INTIAL CONTRACT SIGNING BUT I CAN CLEARLY SEE THE DECEPTIVE AND PREDATORY PRACTICES THAT PHH ARE ENGAGING IN. I HAVE WRITTEN XXXX XXXX CLAIMING ALL TITLES, RIGHTS AND EQUITABLE INTEREST. I SHOULD HOPE THAT THIS COMPLAINT WILL FORCE PHH AND ALL AFILLIATE COMPANIES CONCERNING THIS MORTGAGE TO FOLLOW THE LAW GOING FORWARD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up auto pay on my credit card and it did not go through so now they say I'm 67 days delinquent. I paid the next two payments in advance now and they reported me late to the credit bureau. I want the late reporting removed as was the first late payment I ed ser have had.
Product: Debt collection

A collection company must have bought an old debt with my information but the debt wasn't mine I had to get an attorney because XXXX  even though I disputed it over and over. I've sent all the legal documents to XXXX and they are still not removing a collection that has damaged my credit for over a year now some of the other bureaus have finally removed it because of the legal docs that I've provided but XXXX is still not please remove Midland credit management it is not a collection I owe and you need to remove now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my report to dispute and I came across this address. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX Address IdentiIfication Number : XXXX I have no idea how this address surfaced, and I've never been to this city before.
Product: Consumer Loan

I had a lease vehicle through Ally Financial. Once the vehicle was turned in, I was charged for damages that I felt were inappropriate. After several appeals within Ally were unsuccessful, I sought outside mediation services. Once Ally was contacted by the mediator, I received a call from them offering me a settlement if I cancelled mediation. I accepted their offer in order to put the matter to rest. However, what was not disclosed to me during that phone call was that they were not waiving the remaining portion of the disputed amount, but were going to report it as forgiven debt to the credit bureau. This was never disclosed to me, nor was it ever mentioned that accepting this offer could adversely affect my credit score. When I called them after learning that my credit score dropped, they said that the only thing they could do would be to re-open the account and report it as paid in full if I sent them the rest of the disputed amount. I believe that this type of bait-and-switch tactic is both fraudulent and unethical. I would never have cancelled mediation services had they disclosed all of the terms of their offer to me at the time it was made.
Product: Credit card or prepaid card

There was an account opened in my name with Bank of America and also XXXX. Both accounts have been closed. There was also another hard inquiry on my credit from discover card.
Product: Credit reporting or other personal consumer reports

These inquiries were not authorized by me and I suspect to be fraudulent.
Product: Debt collection

Portfolio recovery calls my phone repeatedly using multiple numbers and when I contacted them through chat they were unable to locate any account information with my name, phone number and last 4 digits of my social security number. I have no debts owed or negative remarks on any of my 3 credit reports and I have very good credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount of {$250.00} on the XXXX XXXX partial account number XXXX. ( Please see pages XXXX and XXXX of the attached credit report. ) I never received any service from XXXX and I was told by the representative that there would not no charge however, shortly thereafter I received a huge bill in the mail. I immediately called and told the representative that this bill was submitted in error and I again asked why I was I being charged to pay for a service I never received. Because they apparently still had me in their billing system I requested they cancel the account. After cancelling the account I received a letter from XXXX stating if I didnt make payment arrangement to them they would be sending this account to collections. I called and told them this account should NOT go to collections because I never had service and therefore never had an account. They would not honor their previous commitment to not send this account to collections so I had no choice but to make payments to XXXX to avoid any collection. I set up payments of {$25.00} per month to be automatically withdrawn from my account until this was paid-in-full. I was making the scheduled payments and XXXX XXXX XXXX days later I received the collection paperwork in the mail. I called the collection company and told them about the payment arrangements I had made with XXXX. They told me to turn around and call XXXX, which I did. XXXX told me that the account wasnt resolved and paid-in-full within the ( XXXX XXXX day time frame, so consequently they sent the account to collections. I informed XXXX that I was never told about the ( XXXX XXXX XXXX XXXX frame and that we had made arrangements to pay this account off at {$25.00} per month until paid in full and that the account would NOT go to collections. XXXX did not honor their agreement and sent the account to collections regardless. XXXX never provided me any service however, they still were able to force me into paying them money they were never intitled to by threatening to send me to collections if I didnt pay them. I agreed on the terms of the monthly payments and they lied and sent me to collections anyway. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( XXXX ) bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Based on the Fair Credit Reporting Act, the list of accounts below violated my privacy rights under 15 USC 1681. 

I called XXXX, XXXX, and Equifax to check these accounts : Account name : XXXX XXXX XXXX, XXXX XXXX XXXX. THESE TWO ACCOUNTS ARE A MAJOR VIOLATION OF MY RIGHTS ACCORDING TO 15 U.S.C 1681 section 602 A. States I have the right to privacy. ALSO, 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  I'm lettin you know I dispute the debt above under whatever the law is Fair Debt Collection Practices Act. This aint no request for more proof or docs just want you to know I dont agree with this debt. For future contact best time to hit me up is by text on my cell or email on my cell or computer Monday to Friday between XXXX XXXX XXXX XXXX XXXX Any other times or ways like live calls or voicemails aint cool.XXXX XXXX XXXX and any other accounts.
Product: Payday loan, title loan, or personal loan

Seedfi switched all account with Zero notice to a new loan service where customers can not view any of their original loan documents and are not given a website and I correct contact information for the company. 

on top of this Seedfi transfered bank account information without consent to these companies and stated they were authorized to withdraw from your bank accounts without authorization from the customer. Seedfi gave away all personal information of their customer to another company with zero notification prior to their customers. This company has my email, full bank account and routing as well as additonal personal information. 

in additon you can view the full structure of the original loan on the new loan company website. All of this was sent out the day access was cut off by seedfi. Customers were given NO prior warning
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : Inquiry from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my Credit Report on XXXX XXXX and I found an old debt has been re-inserted as new. I've reached out numerous times via US mail ( in XXXX & XXXX ) and I have sent letters informing them the debt is old and should be re-moved however they keep adding it. If you take a look at the screenshots I took you'll see 3 images. 

In report.jpg you will see it says " XXXX XXXX XXXX {$970.00} Opened XXXX '' If you check the other screenshots XXXX & XXXX you will see this {$970.00} debt was originally assigned XX/XX/XXXX The Arizona Statute of Limitations on Medical debt like this is 6 years. This should be ERASED from my report immediately
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding unauthorized credit inquiries that appear on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I formally requested an investigation into the inquiries in question and demanded that they be removed from my report if they were found unauthorized or in error. 

To date, the resolution provided by your office has been unsatisfactory and has failed to adequately address the issues raised in my initial dispute. I am therefore disputing the following unauthorized Disputed Inquiries : XXXX XXXX XXXX Inquired on XX/XX/year> XXXXXXXX XXXX Inquired on XX/XX/year>XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX.issued me a prepaid XXXXBank of America credit debit/card in XX/XX/21 card # XXXX for {$150.00} for a failed refrigerator ( for food spoilage }. I misplaced the card, and never used it until XX/XX/21 when I tried and it had been cancelled by BOA Credit cards. I contacted BOA and they indicated they would send me a check for {$150.00} in 3 weeks. I never received the check and I contacted them yet again. They then said they would not send a check or new card and could not tell me where my money went. They basically Stole my money and it is not their money. I contacted XXXX XXXX and they could do nothing since they gave the money to BOA to purchase the card. This is a good example of corporate fraud and deceit. I spoke to a supervisor and a manager at BOA to no avail. Thank you for your help and service. I am an XXXX  XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Thank you for your service and help. 
XXXX XXXX
Product: Credit card

A card was taken out with US Bank without my knowledge or authorization. I have contacted them on several occassions but they have yet to resolve this matter. I notified them that I am a victim of identity theft and that account is not mine.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023, I made an online purchase for an item from a company entitled XXXX XXXX. The XXXX carrier expected to deliver my package however, the item was either misdelivered or lost in transit because it was never received. I had to struggle with the consumer and XXXX to reimburse me for the lost package. The consumer displayed a lack of support during this claim process and XXXX constantly referred me to the seller per their policy. After this difficult ordeal for 2 months, I finally filed a XXXX complaint against XXXX and XXXX customer relations provide a goodwill payment in the amount of $ and advised me that the consumer should have filed the claim and handled the resolution with them directly. I have open a dispute in which Affirm denied and told me to resolve the matter with XXXX. I then submitted an appeal or re-evaluation indicating that since the consumer did not follow the correct procedures in terms of the refund, I should not be responsible for the loan. I also filed two XXXX complaints against Affirm for this loan that should have been closed.
Product: Credit reporting or other personal consumer reports

EXPERIAN HAS RECEIEVED AN FTC WITH INSTRUCTIONS TO DELETE THE ACCOUNTS REQUESTED AS FOR THE ACCOUNTS VIOLATE PROVISIONS PER 15 USC 6801 15 USC 6802 16 CFR 313.7 AND 15 USC 1681a ( 2 ) ( i ). EXPERIAN HAS NOT PROPERLY INVESTIGATED THESE ACCOUNTS PRIOR TO ALLOWING THEM ON MY CONSUMER REPORT BECAUSE EXPERIAN EXERCISE THEIR GRAVE DUTY MEETINGS REQUIREMENTS UNDER METRO2 EXPERIAN WOULD REALIZE THAT THESE ACCOUNTS ARE ADVERSE ACCOUNTS AND ARE COLLECTION ACCOUNTS SO NOW EXPERIAN IS NOT ONLY VIOLATING CONGRESS LAW 15 USC 1681a ( 2 ) ( i ) BUT 15 USC 1681e ( b ) FOR NOT HAVING ASSURED MAXIMUM ACCURACY AND NOT HAVING A SYSTEM IN PLACE THAT ASSURES MAXIMUM ACCURACY IN ACCORDANCE WITH METRO2 AND THE UNITED STATES CONGRESS LAW 15 USC 1681C ( 4 ) ( 5 ) WHERE CONGRESS SAYS NOT ADVERSE ACCOUNTS OR COLLECTION ACCOUNTS SHALL BE FURNISHED ON A CONSUMER REPORTS. EXPERIAN HAS COMMITTED VIOLATIONS AGAINAST THE UNITED STATES CONGRESS AND UNDER 15 USC 1681n IS LIABLE FOR STATUTORY DAMAGES FOR WILLFUL NEGLECT OF {$1000.00} PER VIOLATION AND I WILL PURSUE REMEDY AND USE THE FTC REPORT AND MY LAST COMPLAINT AND A COPY OF MY CONSUMER REPORT AS EXHIBIT PROOF OF VIOLATION FOR STATUTORY DAMAGES VIOLATIONS. NOTICE IT IS FACT PER INTERNAL REVENUE SERVICE POINT 431 CHARGED OFF DEBT IS INCOME AND INCOME DOES NOT BELONG ON A CONSUMER REPORT WHICH IS AN ERROR AND NOW A VIOLATION UNDER 15 USC 1681s-2 AND WILL BE FORCED TO FILE IRS FORM 3949a AGAINST EXPERIAN FOR AN IRS AUDIT .
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXXXXXX Account # XXXX Account : XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2023, letter was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX a letter to the courthouse asking do they report bankruptcies to the credit bureaus. 

On XX/XX/2023 I contacted the XXXX XXXX XXXX house to see if letter was received. ( XXXX ) XXXX. I ask the clerk do they report bankruptcies to the credit bureaus? They stated they do not report any bankruptcies to anybody. So, how did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states ; The terms " 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 other 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 report agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

My rights violated numerous time. 
The credit bureaus violated my given right under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't received any investigation results..
Product: Checking or savings account

I authorized a payment for {$800.00} last month it had failed so I had moved on. I got my XXXX for XXXX and suddenly its all gone because this payment went through unauthorized.