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

On XX/XX/year> I thought i was buying {$60000.00} worth of solar panels from a sales man named XXXX XXXX working for a company called XXXX XXXX XXXX. Yet I only received {$30000.00} worth of panels It took me a long time to figure out why they were not " working '' the way i was told they would when i purchased them. I sent a complaint to the Office of the attorney general and they suggested i reach out to the finance company ( originally Loan Pal now Good Leap ) and see if they could " help '' in some way i did and it took 3-5 times of my calling them eventually someone came out and assest my equiptment it is clear i do not have the amount i was promised to sustain my home. Yet good leap said there is nothing they will do. The only thing they can help with is if my current system is not functioning. This has been a very overwhelming process the solar panel company went out of business the finance company has changed i have spent hours and hours on hold trying to figure out where the problem lies not to mention the 12 month process of having these people install them which was aweful and draining. I am a single mom off XXXX that was XXXX XXXX  thru the entire sales pitch thinking that i was doing something to help myself by lowering my power bill while investing in myself and my property instead doubled my cost by getting them. Please let me know if there is anything that can be done i do not know what else to do and it is alot of money that i really have nothing to show for it! Please help
Product: Money transfer, virtual currency, or money service

I did multi factor authentication and proviced the correct recipient 's phone number and Venmo still sent the wrong person my money. 
nobody at venmo has been helpful. 

I had to hunt down the person that has my money. She confirmed it was her account and then blocked me from calling her. 
Her name is XXXX XXXX and she lives in XXXX Ohio phone number XXXX If she has spend this money, i need to press charges as this is illegal. It is illegal for her to knowingly spend my money in her account as it was a venmo mishap. 

The process to request money back is tricky and we accidentally sent the wrong person more money!!!! Venmo would not help. 

Last, I'm not sure Venmo looks for people that just leave their money sitting in venmo and abandon their account or if they just end up keeping the money when people dont do what I'm doing here.
Product: Debt collection

Convergent has put a collection on my credit report which is not mine. Also they never sent me a 30 day right to dispute, I just saw it on my report. The debt they put on my credit is for  XXXX , which is my ex husbands, who also passed away. We have been divorced f or 6+  years and the information they have on file is MY EX HUSBANDS BUT THEY HAVE MY SOCIAL. They wont speak to me or help me and THIS IS NOT MINE!!! They say it is his, but because my social is on there then I owe it.??
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently discovered multiple unauthorized inquiries on my credit report that are not associated with me. I have no record of engaging in any transactions with these companies. If these items are not removed from my credit report within the next XXXX  days, I will be compelled to seek assistance from a consumer rights attorney, file a complaint with the Consumer Financial Protection Bureau ( CFPB ), initiate legal action, and submit a report to the XXXX XXXX XXXX  ( XXXX  ). I request that you promptly delete these unauthorized inquiries. The specific inquiries in question are as follows : XXXX XX/XX/XXXX| I never authorized these inquiries. Please delete immediately. 

XXXX XXXX XX/XX/XXXX | I never authorized these inquiries. Please delete immediately. 

XXXX  XXXX XX/XX/XXXX | I never authorized these inquiries. Please delete immediately. 

XXXX  XX/XX/XXXX | I never authorized these inquiries. Please delete immediately. 

XXXX  XX/XX/XXXX | I never authorized these inquiries. Please delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Unauthorized purchases totaling { {$30000.00} } we're made against my Bank of America XXXX XXXX, which is where my unemployment benefits from the state of California were posted. I filed a dispute request on XX/XX/XXXX of XXXX. On XX/XX/XXXX, Bank of America denied my request for provisional credit.stating the card will simply be reissued seen on my Cfpb account On XXXX of XXXX, I requested my claim be reopened based on the class action lawsuit against Bank of America. This judgment clarified provisional credit must be granted and disputes must be reopened for claims made against this prepaid government benefits card. It has been over 90 days, and this dispute still has not been resolved. I have not received any edd payment or provisional credit. On XX/XX/XXXX I called the customer service line at XXXX XXXX processing, and spoke to a customer service representative, who advised me my claim had been escalated to an escalation team and that provisional credit was not required to be granted as I dont think actually happened as Bank of America made a decision within 10 days of me filing a dispute.There is nothing in the Code of Fedderal regulations that states provisional credit will not be granted if a decision and determination regarding the claim is made within 10 days. Bank of America has exceeded the 90 day time frame as specified in the CFR, denied my request for provisional credit, and did not complete their investigation in a timely manner. I am requesting provisional credit to be credited to my account immediately, and I want Bank of America to provide me a written explanation of their investigation findings, which was conducted in XXXX of XXXX. There is no way that a thorough investigation could be completed within 7 days, given the number of claimants during this time who had disputes against Bank of America for unauthorized purchases and transactions taken out from their XXXX benefits. They tried to tell me I have to confirm my identity after I just got the new card because I wrote the company my phone died talking to escalations they made it very hard to place the claim a XXXX XXXX finally came in the mail today and I dont want to activate it online due to not getting it last time and last time somehow it was activated and used its been mail theft and internet theft in my area and Im pretty sure this is what happened, I have the new card and still cant get help, this is due to me telling them I contacted the Cfpb about true matter l they asked me to verify myself due to not having a card this is pretty crazy I got the card now still attached in the envelope. I been going through XXXX for the last 3 years trying to figure out why I cant get help please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of these accounts. They are reporting on my report under Navinent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting XXXX XXXX XXXX to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of inaccurate addresses which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/2013 XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/2013 According to FCRA XXXX XXXX ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts nor am I late due to Covid Rules on any of my student loans. Please reverse all late payments immediately.
Product: Mortgage

Several attempts have been made to Specialized Loan Servicing ( SLS ) for the information regarding the second version of the Home Equity Credit Line Agreement and Disclosure Statement that shows a rubber stamp indorsement of XXXX XXXX XXXX. SLS has refused to provide me and my wife with the time or the date or the year they acquired this copy. This we believe is a violation of our rights to loan information and considering our adamant declaration that this copy is not the one signed at closing, we have incurred damages and continue to be damaged by SLS refusal to fairly communicate in any attempt for us to resolve this issue. If this violation of our rights continues and results in court costs, we will demand all our expenses to be reimbursed. 
UNDER CFPB CONSUMER LAWS AND REGULATIONS UDAAP We request from Specialized Loan Servicing the information pertaining to When SLS acquired this copy with rubber stamp indorsement of XXXX XXXX XXXX and from what ENTITY or PLACE or PERSONS That this COPY was received from or provided to SLS
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX XXXX XXXX, but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I tried to get my free credit report from Equifax, I provided all my information needed and I got an error stating that the Information I provided did not matched their records. So, I opted to pay a {$19.00} subscription for Equifax Complete Family Plan and provided the same information used for my free credit report and this time it matched their system ( weird don't you think? ). So, after paying and setting up my account I was able to access my credit report # XXXX and I noticed some name variations and a negative late payment which I wanted to disputed and selected the option to submit a dispute online. However, I was taken to another website that required me to answer some question to validate that I was who I said I was ( after paying and having access to my credit already ), so I answered all the questions and after being " Validated '' I was given the option to upload the required documentation to support my disputes and I uploaded my VA DL and my US Passport card scan an to my surprise when I clicked submit, I got another error saying " The information you provided does not match our records, please submit your dispute using a web form '', so I tried using the web form but this option did not had the option to dispute the name variations nor the late payment listed on my report. So, I called XXXX today at XXXX and spoke with at least 5 people who did not know what the problem was and the only thing they offer was to place the disputes on by behalf, so I did placed the disputes over the phone after validating ( again ) that I was who I said I was. Now, the problem is that I'm paying {$19.00} for a product that dont work as expected and the vendor ( Equifax ) support personnel told they do not have a team that can assist me on figuring out why in that world I can't use the " online dispute '' option available on my account. So, it seems to me they are using predatory methods to lead consumers to pay for getting their credit reports and to pay for access to a web system that does not works as expected. 

All I'm trying to do is to get my stuff right and I wanted to upload my personal documents to help them expedite the disputes. 

Is this something you can help me correct?
Product: Debt collection

This probably falls under numerous categories. The copied message below is a transcript from my voicemail system of the voicemail he left me yesterday. 

" Just wan na call a wan na (? ) call only is for XXXX XXXX XXXX (? ) birthday XX/XX/XXXX. XXXX XXXX (? ) XXXX and XXXX. My name is XXXX XXXX. I work for the attorney 's offices of Oracle Group fraud litigation apartment and we do work for XXXX XXXX County Court. So you have some very very serious allegations on my desk unless you call us all-this (? ) is by noon Pacific standard Time today Wednesday XXXX XXXX you 're gon na have to retain attorney XXXX XXXX. You also gon na be served papers to the XXXX XXXX County Sheriff 's Department at your place of employment just as simple sir and I 'm pretty sure your employers will not be happy and per federal law sorry I 'm not allowed to leave you any other information. I really was n't he was supposed to give you a call sir but at the pool (? ) at the present moment you have no type of record on your social security number that I can see how this is XXXX XXXX. You call XXXX XXXX immediately sir. I just maybe I get rid of these allegations. My direct line sir XXXX XXXX. You need to reference citation number for the State of California one call me. Citation number XXXX. That 's XXXX. You have been notified sir. "
Product: Checking or savings account

Chase closed my account because I work in Arizona and live in South Carolina. I went 2 hours to a Chase branch in XXXX GA and submitted the requested paperwork that have the deposit amounts and dates. 

I reached out to Chase and they said that they have reviewed the information. And that my funds would be released and sent to me in a check on XX/XX/XXXX and would be there 3-5 days. its XX/XX/XXXXand still no funds. I dont have access to any funds in the account. 

The executive office person who was handling the previous case, even said that in the letter that was sent that the funds should be released. I called Chase on XX/XX/XXXX and ALL of the reps that I spoke with talking about they dont see a request for those funds to be released. The person from the educative office only called me ONE TIME and on that call he was rude and only said we will have a resolution by mail but here we are XX/XX/XXXX and I dont have a resolution so either somebody is lying or Chase is fraud. I called the educative office 4 times and every time the person who is handling the case is 1. on another line 2. stepped out for a moment 3. on lunch 4. not even in the system those were all the excuses I got from the other executive office people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint # XXXX - Capital One responded saying they are looking into the issue, but resolved nothing. CFPB closed the case without any resolution other than they are looking into the issue.
Product: Debt collection

Credit card account was placed for collections. A civil action was filed in XXXX XXXX XXXX XXXX. A settlement agreement was reached for {$750.00} with payments scheduled to be made on XXXX XXXX, 2016 and XXXX XXXX, 2016. Pursuant the agreement after payments were received the Debt Collector, XXXX XXXX, agreed to dismiss the case. Payments were made however XXXX XXXX failed to dismiss the case resulting in a judgment being entered in their favor. I promptly called and advised XXXX XXXX of the blemish that was now being reported on my credit report as a public record. I was advised that an attorney for the company had made notations indicating the settlement was completed. I was told I would receive a copy of the settlement satisfaction letter. To date, no such letter has been received. I filed a pro se motion to vacate the judgement and served a copy to portfolio. The matter has now been set for a hearing on XXXX XXXX, 2016. XXXX has breached it 's own settlement agreement to my detriment.
Product: Debt collection

THE COMPANY CAPITAL ONE PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT MINE. MY NAME IS XXXX XXXX the XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection. XXXX, XXXX, and XXXX are assumed to be credit Bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. this resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount in money policy, and.. Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigate 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.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This collection not mines I have address in which I have never lived on file and this collection has never reached out to me to my address that is my credit this not verifiable and needs to removed immediately
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.