23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On or about XX/XX/year> I filed a dispute with Capitol One regarding a transaction from XX/XX/XXXX. 
Merchant : XXXX XXXX XXXXXXXX XXXX XXXX Amount : {$1400.00} Date : XX/XX/year> At the time I filed the dispute, the agent did not verify the email address on file or advise we needed to check online statements or documents. The process was not clearly explained and the agent did not take the steps ensure we would receive the necessary information regarding our dispute. After not hearing anything regarding our dispute for some time, I searched on the account online and eventually found a document stating the merchant contested our dispute and we needed to submit additional documentation. The document was difficult to locate, and there were absolutely no alerts indicating there were new documents we needed to review. When I found this document, I called capital one immediately to explain the situation. The one representative sent me an email link to submit the documents however, a document was posted XX/XX/XXXX stating the dispute was closed and capital one was unwilling to reconsider the dispute because we did not submit documents any timely manner. I feel this is unethical and unfair as we were not properly notified of the additional documentation. There was zero attempt to call us by phone, they did not attempt to mail us a letter. I later learned capital one has an incorrect email on file however I'm not entirely sure what the email is as the representative would not share the email with me and would only verify that it is not my father 's email. We have since updated it however I feel due to the lack of proper notification and the fact that the customer service representative who took the initial dispute, did not verify accuracy of information they have on file, Capitol One should have accepted the additional documentation provided for fair consideration. Representatives have told me they would escalate my concerns and reach back out to advise and this has not happened. I feel we have been treated very unfairly as well as very poorly.
Product: Payday loan, title loan, or personal loan

Earlier this year in XX/XX/2021, I entered in a Solar Panel installation contract with XXXX where the Company executives and Sales person said they will install Solar Panels and will power them on so i will have relief towards my Electricity bill. And for that they enrolled me into a contract. They have installed Solar Panels since XXXX months now and they are totally unresponsive about completing my project on time. Right now the solar panels have not been turned on, my advisor is not in touch with me since months and their customer support does not give any definitive dates when the project will complete. In fact i am being told that there are many customers to handle so we can not do anything and i am working with totally unresponsive people. Meanwhile my loan has started i am paying 'Interest ' on the loan for Solar Panels which are not functional. XXXX  also unduly charged my approx XXXX for electrical upgrade but it was not required and not done. That amount is also included in the loan which i am paying interest on and XXXX would not reimburse the amount until solar panels are turned on which is currently indefinite. 

I am paying a loan for a solar panel product which is stuck in indefinite timeline with unresponsive XXXX and i am paying interest on the loan plus XXXX of electrical upgrades which i never required and was not done by XXXX at all. So i am having to incur a lot of extra charges due to XXXX XXXX mismanagement and non-transparency.

Since april the solar panels have been installed and there is no attempt to expedite or provide clarity on multiple calls, emails that i have sent them. I am requesting them to reimburse XXXX $ right now so i dont pay interest on it and also that they must reimburse me for the delay in project as well as the interest i am paying for my loan unduly. I should not be charged loan amount until solar panels are functional ideally. It appears to be cheating and mismanagement to get people on loans and not start their solar panels. This is totally unethical.
Product: Credit reporting or other personal consumer reports

I have an account with XXXX XXXX that has been paid but is still showing as unpaid. I sent the deposited check showing the account has been paid off, I disputed the information and they came back as verified as still unpaid. This account should be corrected to paid status.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX 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 in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance 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. XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Delete the late payments from my consumer reports 8
Product: Credit reporting or other personal consumer reports

There are errors on my credit report that Transunion did not remove.
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub>/2024 XXXX XXXX attempted to pull my credit report from Experian, but were denied access to it. When my name and date of birth were entered into the system by XXXX XXXX they immediately received a Code # XXXX from Experian stating that my score of XXXX was available but they could not supply them with a credit report and suggested that they deny me credit and that is exactly what occurred. When I attempted to reach out to Experian, they have removed the chat feature from their online website and they have also changed the way they accept calls. Experian no longer allows you to speak to a representative to try and handle issues, your only choices are to remove credit freeze/security alert or order your report or score. When you ask for a representative the automated response states that they are not able to get you to a rep and they the call automatically disconnects ( I tried this 5 times ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX to remove my consumer dispute on XXXX on XX/XX/XXXX. It was done immediately and reflected on my consumer copy of my credit report. 
I called XXXX  on XX/XX/XXXX to remove my consumer dispute. It was done while I was on the phone with XXXX  and reflected in my consumer copy of my credit report. 
I have called Equifax on XX/XX/XXXX ( 3 times XXXX, XX/XX/XXXX ( 4 times ), XX/XX/XXXX ( 2 times ), XX/XX/XXXX ( 4 times ), XX/XX/XXXX ( 3 times ) and again today XX/XX/XXXX ( now on hold on my 3rd attempt ) to get my consumer dispute removed from my credit report. Every single time I call into Equifax I am given inaccurate information and told something different every single time I call in. I have also been hung up on numerous times by Equifax including supervisors hanging up on me. I was on the phone with them for over 2 hours this morning again trying to get my consumer dispute remark removed from my credit file. This does NOT take 30 days to correct as it is a dispute that I put on there. Anytime a consumer calls to remove personal information or correct it that is done immediately. Just as it was done when I put this request in to XXXX  and XXXX XXXX. It was done immediately. 
I was going to file this complaint with the XXXX  but going to their XXXX  page there are over 3,000 complaints about these very things I am filing my complaint with you about. 
I am XXXX and I am trying to get a refinance done on my house. In order to do my refinance I need my credit report to be accurate. However, Equifax is making this near impossible and every single time I call I am told wrong information. 
When I finally talked to XXXX a different supervisor on XX/XX/XXXX he got it removed personally and told me if it wasnt showing on my consumer report with Equifax to call him on Tuesday and let him know. That is the over XXXX hour phone call I had with them this morning and was hung up on by a different supervisor. These people are INCREDIBLY rude and lie all the time about the consumer 's reports. I am fed up and they are making it impossible for me to get a refinance done because of their shady business dealings and lying to the consumer.
Product: Debt collection

On XX/XX/XXXX, National Enterprise Systems ( NES ) sent a settlement letter regarding an alleged debt to XXXX XXXX NES failed to validate the debt as required by 15 U.S.C. 1692g ( b ) of the FDCPA. NES has not provided evidence of the debt 's validity nor their authority to collect it. ( These seem late for XXXX, but I only learned about these occurrences in the recent transmittal to me, on XX/XX/XXXX, of the files pertaining to settlements from my escrow account with XXXX XXXX. NES has entered into a settlement agreement with XXXX XXXX XXXX XXXX XXXX ( XXXX ), acting purportedly as my representative on XX/XX/XXXX. This agreement was made without my knowledge or consent, violating 15 U.S.C. 1692e ( 10 ) for false representation and 1692f for unfair practices. I retained XXXX to negotiate my validated debts ; however, XXXX paid settlements and took fees without validating debts and without disclosing the details of the parties to me, constituting a breach of fiduciary duty. In this case, the settlement agreement is with NES, a nationally known entity, yet lacks reasonable information, including any designation of who the parties are, a lack of a formal signature, and missing significant legal character. According to 15 U.S.C. 1692g ( a ), Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall ... send the consumer a written notice containing... the amount of the debt. Given these violations, I believe the settlement pertains to an unvalidated debt. Any funds collected must be returned to me per 15 U.S.C. 1692g ( c ). I have terminated my agreement with XXXX and request that all further communications be conducted in writing to XXXX.
Product: Mortgage

I m trying to do a loan modification with my bank which is Bank of America since XXXX 2015 and till present they keep to deniey my application and ask me to short sale my property, and I have no other options without any valid reason.i ve been having some financial problems due health problems and its bills, a major damage in the house due to water leaks and Ac repairs totally needed replacement and also my property taxes are rising too high on the property which increased my escrow account.
Product: Credit reporting or other personal consumer reports

date : XX/XX/XXXX XXXX XXXX, XXXX, Experian To Whom it may concern The accounts is fraudulent on my credit report. I am taking action to get them off my credit report. I did not open these accounts it wasn't by me they are affecting my life Since COVID 19 I've been having problems with fraudulent accounts on my profile 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 or other personal consumer reports

You are reporting inaccurate and/or incomplete information concerning me in consumer reports. Your conduct has caused me distress and financially harmed me with costs and loss opportunity. The following alleged Public Record you are reporting concerning me is inaccurate and/or incomplete, and also unverifiable by you. I contacted the Court of Record you list on my credit file, and they confirmed that they neither provide or verify court records to you or to any other third-party. Therefore, you could not have possibly verified this information, and I request that you delete the alleged Public Record and provide me an updated copy of my consumer file. In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute.Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal law.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent out a notice of " Revocation of POA '' and " Cease and Desist '' XXXX XXXX have fail to comply with either notice and still continues to communicate. XXXX XXXX also continues to use false, deceptive and misleading representation concerning alleged debt. This is a violation of the FDCP.
Product: Debt collection

I have not authorized this company to have access access to my credit report and I never heard about them and I have no business with them.
Product: Vehicle loan or lease

I had an account with XXXX XXXX XXXX. 
I lost my job and turned the vehicle back in. 

However I have a XXXX XXXX on my credit report for XXXX. I do not owe them this amount. The vehicle has been resold. 

I am not able to get a home loan because of this. 
Please help me get this off of my credit. 
Thank you, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I started to invest through XXXX XXXX ( XXXX is the operating website of XXXX XXXX, a registered trading company at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and the XXXX, Reg. No. XXXX ) since XX/XX/XXXX. I have invested for a total amount more than XXXX XXXX ( XXXX XXXX and XXXX XXXX XXXX uros ) in XXXX, XXXX XXXX, XXXX and XXXX. In the starting everything was going on smoothly. When I requested to withdraw some money problems started since XX/XX/XXXX. 

2. The team, with whom, I was in touch become suddenly silent. 

3. There is serious problem in their organization. I have been sending mails and chatting with their several officials and team members. So far my issues are not yet solved since XX/XX/XXXX and it seems they purposely not willing to. 

4. My requests of withdrawing are purposely stopped and they have simply suspended my account. 

5. I would request your services to look in the matter and help me to get back my dues. If need be, I can provide you the proofs of fund transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a closed Capital One credit card that is on my XXXX account that I have absolutely no knowledge of and didnt open myself. The account was opened XX/XX/2022 and was closed XXXX XXXX. Ive filed an FTC report as I take my credit very seriously only for it to be placed back on to my XXXX the next day. This account was opened fraudulently and is greatly affecting my credit score. This isnt fair to me or my life and is affecting my credit score tremendously. Please remove this fraudulent account immediately.
Product: Debt collection

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been reported as a Loss by Credit Grantor and a 1099-C form should have been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be legally verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to legally verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Money transfer, virtual currency, or money service

i am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, Which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, Leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error solution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Theses actions have caused significant inconvenience and financial loss, and i seek appropriate redress for theses violations.
Product: Checking or savings account

On XX/XX/2020 all my accounts held with navy federal credit union were frozen without warning or notification after a deposit of {$5000.00} and {$1000.00} was made to my account by another navy federal member. I contacted NFCU after my card was declined at the drive-thru on XX/XX/XXXX. I was told that the department that could assist me in recovering my accounts was not going to be able to assist me until after XXXX XXXX weekend. My 8 month pregnant wife and I are left figure out how to make it through the weekend with absolutely no funds. With no other options we hunker down for the weekend. First thing on the following tuesday XX/XX/XXXX I reach out again to recover my account. I am given instructions on what to do to recover my accounts. I do so and await a response. It is now XX/XX/XXXX, day 5 with no funds, and i reach out again after receiving no response for over 48 hours. I am told no emails have been recieved and am asked to attempt again. The emails were sent to the very same email address as before no typo was made in either attempt. The department finally receives what they need and now I am told that they need ANOTHER 24-48 hours to review despite my situation. My wife and I have been left in the worst imaginable situation. The lack of services available to recover access to my funds seems unlawful! There are still another 48 hours that we are forced figure out how to get through our day-to-day without access to our accounts.
Product: Checking or savings account

bank of america has an account that was opened by me fraudulently and I called and have been through their process of getting this removed because it is fraud. The account was opened while i was XXXX. I explained this to them and they will not remove it. This is reporting to XXXX and this is causing other banks to not give me an account also
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/ 2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were companies showing on my report and these report is misleading and suspicious. They were able to remove some companies but some are still showing on my reports in other bureaus. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of 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.

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax XXXX XXXX and may have got into the hands of the wrong person.