23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Greetings. 

I contracted with XXXX XXXX XXXX company to installing solar panels on my home/private business. The sales representative falsified documents pertaining to payment method ( said we could setup auto pay with the company credit card ) however this was false in the final contract. Additionally, the installation timeline in the original communication said we had 3 days after installation to verify the equipment. This was also false, it is 3 days BEFORE. This resulted in panels being installed and damaged to the property being done. 

Upon finding the damage and realizing the falsified contract presented by the sales agent, XXXX XXXX ( XXXX ) XXXX And XXXX XXXX ( XXXX ) XXXX I requested cancellation and was assigned a case manager, XXXX XXXX. XXXX After multiple emails and phone calls, she has refused to assist in the cancellation anymore. She has also refused to take calls, and when I have attempted to call the XXXXXXXX XXXX  am blocked, therefore preventing me from resolving current and future issues. 

Solar Mosaic LLC contracted with XXXX XXXX, on behalf of XXXX XXXXXXXX  to serve me a debt collection letter on XXXX XX/XX/2023 for the installed panels, despite my repeated communication to cancel. My credit score has dropped to XXXX from XXXX and now I am either forced to pay the delinquent amount or face further harassment. 

Additionally, I have been responsible for paying {$410.00} in fees to Solar Mosaic LLC and {$2200.00} in electric bills to XXXX & XXXX that were supposed to be covered by the XXXX XXXX XXXX. 

The panels we installed in XXXX and have not been activated, resulting in no benefits being received. The servicing agent, XXXX, even made mention that panels were not activated when he served me at XXXXXXXX XXXX on XXXX XX/XX/2023. 

In summary, XXXX XXXX XXXX and Solar Mosaic LLC are intentionally targeting XXXX XXXX ( myself XXXX ) and XXXX veterans ( my wife XXXX - XXXX ) with their deliberate refusal to honor cancellation agreements. My intent is to inform and hopefully prevent others from becoming victims of these companies. 

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

Since XX/XX/2021 I have been disputing a chapter XXXX and a chapter XXXX Bankruptcy that has been appearing on my Equifax credit report but received a response that it was verified through the courts. I again disputed the public record entry on XX/XX/2021 and XX/XX/2021 to receive the same response verified and added that they purchased my information from a third party reporting agency called XXXX. I proceeded to write a letter to the Bankruptcy court and they responded by writing that they do not report to any credit agency nor do they verify information to any credit agency, I then disputed the information with XXXX and they in turn deleted the public record from their report. 
I have furnished the letter from the Bankruptcy court and the file from XXXX report but Equifax still refuses to delete these public record entries from my Equifax credit report.
Product: Vehicle loan or lease

Ally Financial- I have been with Ally Financial For 4 years now, I have sent a late payment goodwill email, as well as several dispute letters explaining that I had fell into financial hardships and most recently was severally injured at work causing two of my fingers to be partially amputated, and due to the injuries I was subsequently terminated from my job, which has added on to making late payments on time. Due to the injuries and loss of employment I occurred 12 late payments, I managed to make all of my payments and even most recently paid the car loan off in full. Ally refuses to delete late payments and note my account paid in full never late. These late payments are hurting my credit and a chance to purchase a home in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Inquiries my credit report. here are the names of the companies. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

collection XXXX XXXX XXXX XX/XX/year> {$1800.00} I declare under penalty of perjury ( under the law of the united state, if executed outside of the united state ) that the foregoing is true and correct to the best of my knowledge. further, i certify that i am permitted by FEDERAL and STATE LAW to file this dispute. i also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621 This collection found within my credit report are not related to any transaction that i made. I am alleging that a person or company -without my authorization - used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. all is being investigated by the FTC. 
I demand you to remove this account from all 3 of my credit report asap or i will file litigation against your company for furnishing a false account on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my consumer rights. Under 15 usc 1681 sec. 602 states I have the right to privacy. 15 usc sec 1681 sec 604 A sec 2 : a consumer reporting agency can not furnish an account without my written instructions. 15 usc sec 1666B a creditor may not treat a payment on an open consumer credit plan as late.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX I, XXXX XXXX, being duly sworn, depose and say : 1. Personal Information : - My full legal name is XXXX XXXX. 
- My current address is XXXX XXXX XXXX XXXX, MI XXXX. 
- My date of birth is XX/XX/XXXX. 
- My Social Security Number is XXXX. 
2. Purpose of Affidavit : - I am submitting this affidavit to demand immediate resolution of an inaccurate bankruptcy entry on my credit report.

- This entry constitutes a serious misrepresentation that negatively impacts my financial reputation.

3. Details of the Disputed Bankruptcy : - The bankruptcy entry is associated with case number XXXX. 
- The bankruptcy was filed in XXXX XXXX XXXX XXXX, located in XXXX, MI. 
- Date of filing : XX/XX/XXXX - Date of discharge N/A 4. Basis for Dispute : - The bankruptcy entry has been " verified '' by the credit bureau ( s ), yet no verification has been conducted by the original furnisher of this information.

- Attached is a letter from the bankruptcy court explicitly stating that they do not furnish information to credit bureaus.

- This invalidates the so-called verification process and demonstrates clear negligence or misrepresentation on the part of the credit bureau ( s ).

5. Demand for Immediate Action : - I demand the immediate removal of this bankruptcy entry from my credit report.

- I also demand that you provide the specific details of who " verified '' this information and what methods were used. Failure to do so will be viewed as further evidence of willful non-compliance with the Fair Credit Reporting Act ( FCRA ).

6. Legal Consequences : - Be advised that if this inaccurate information is not removed, I am prepared to file a lawsuit for willful misrepresentation and violations of the FCRA.

- Your failure to ensure accurate reporting and your reliance on unverified or non-existent sources will be fully documented and presented in court.

7. Supporting Evidence : - Attached to this affidavit are : - A copy of my credit report highlighting the disputed bankruptcy entry.

- A letter from the bankruptcy court confirming they do not furnish information to credit bureaus.

- Any additional relevant documentation.

8. Sworn Statement : - I certify under penalty of perjury that the information provided in this affidavit is true and accurate to the best of my knowledge.
Product: Consumer Loan

I received a XXXX from Ditech ( formally Greentree ). I also received a letter this week saying the XXXX was incorrect stating it was a mortgage instead of a car lease. The original creditor had charged of this debt in XX/XX/XXXX. They did not attempt to collect it from me nor put it on my credit report because they had accidentally repossessed the car while it was in current status. They then delivered the car to the wrong address and I found the vehicle a couple weeks later damaged. The original creditor refused to pay the damage and I of coarse refused to make any more payments until they did. 8 years later a company called Greentree was sent this debt as a mortgage. I hired an attorney and Greentree agreed to remove it from my credit report and cease collection activities. I then started receiving collection letters 3 years after the mtter had been resolved. The attorney that handled for me contacted Them and the stopped once again. Now Greentree has become Ditech and is trying to avoid paying federal income taxes by filing a XXXX on this debt that charged off in XX/XX/XXXX and the original creditor never attempted to collect from me nor ever pout on my credit report because of their error. This has been a very upsetting ordeal because I was forced to hire the attorney because Greentree would only yell at me when I called and would not let me explain this was not a mortgage debt. By not having the correct XXXX by this date XXXX/XXXX/XXXX it has made things very difficult for me because I do not want not file a tax return that is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have the right 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. 

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 RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Product: Debt collection

Have been contacted by this company for years. Today, on a recorded call, he threatened to take legal action since the debt was over {$1000.00} and that since the state of Ohio has taken my tax return this demonstrates they can take legal action
Product: Credit reporting or other personal consumer reports

Dispute June 30 Day Late. Payment was made over the phone with an agent on the line. Discover Internet Payment Confirmation, XX/XX/XXXX Paid Confirmation Number XXXX Amount {$1400.00} Set to Draw XX/XX/XXXX to Pay XX/XX/XXXX Discover Never Processed Payment. 

Discover reported this payment payment 30 days late on my credit report. I was never notified. They will claim it was removed because of history on the account. However, I was able to login set up payment again on XX/XX/XXXX with no issue. This time Discover did not remove my internet payment. Payments have not been removed since.

All I ask is Discover remove the 30day late remark against my personal credit reporting since they are the ones responsible for this error.
Product: Credit card

I am writing to formally lodge a complaint regarding a significant discrepancy on my credit report associated with Fortiva Credit. The issue pertains to an alleged missed payment that was erroneously reported on my credit profile. 
Fortiva Credit inaccurately reported that I missed a payment. However, I can unequivocally confirm that this is not the case. I diligently maintain my financial obligations and can provide evidence, including bank statements, confirming that the payment in question was indeed made on time. 
Upon discovering this error, I promptly contacted Fortiva Credit to rectify the situation. In response, they acknowledged their mistake and assured me that they would promptly notify all relevant credit bureaus to correct the misinformation. I have documentation, in the form of email correspondence, confirming this acknowledgment. 
However, despite their assurance and the passage of over XXXX  days since the acknowledgment, the erroneous information has not been rectified on my credit report. This oversight is causing undue harm to my creditworthiness and financial standing.
Product: Credit card

I've contacted this company Bank of America multiple times for this ( Late payment ) gotten No help, this late payment is affecting my credit because I never was late before.
Product: Checking or savings account

on XX/XX/2022 or around that date a transaction of {$930.00}. to XXXX. I called capital one and ask them to dispute it they told me that they would. later the they took the temp credit back from me an told me I had to call XXXX. when I called XXXX  they couldn't help me cause I had no account information. I asked XXXX was the package singed for they said yes .i still owe the bank for a phone that was brought on my card fraud and capital one customer service rep has a strong language barrier you cant even under stand them
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX apparently bought our mortgage loan from our previous mortgage servicer. When the transaction ended, XX/XX/2020. The account was closed. The account closing was reported to Equifax and XXXX. It caused an immediate drop in credit rating 55 points and 77 points for my co-borrower. We did not close the accounts ( we didn't even know what was going on ). The accounts also are not credit card accounts but mortgage loans. The hit has been immediate and dramatic. I called our previous mortgage servicer and they directed me to XXXX XXXX. I called and the customer service representative said they did receive new loans but that I wasn't even in the computer. My home address wasn't either. So she couldn't help me and told me to call back on Wed., XX/XX/2020. At this time I don't even have any paperwork from XXXX XXXX. I don't even know who they are really, only through XXXX. I also don't know whom to pay and it is XX/XX/XXXX. I feel that we should have had this paperwork and a letter long ago. My immediate request is to correct the credit ratings as it also impacts job hunting which I am doing now. We didn't ask for our loan to be bought so it is unfair that we suffer an immediate negative hit in credit rating and possibly missed loan payment at this point, without a way to fix immediately. I also would like to know how to pay our mortgage. I feel, through no fault of our own, we are being set up to fail. I will call in again on Wed., XXXX. I'd appreciate any help that can be offered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to fix a dispute with Transunion about accounts with XXXX and XXXX XXXX XXXX. The accounts show multiple charge off dates and different reporting dates. I ask for proof and couldnt/didnt get documents to provide their validation on these false accused accounts.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer report agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them to reinvestigate these accounts listed below because. 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX has violated my right. 

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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account name XXXX, account number XXXX, has violated my rights. 

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 states. A consumer reporting agency can not furnish a account without my written Instructions.
Product: Debt collection

This is a resubmitted dispute with CEDARS BUSINESS SERVICES , LLC. My for Certified letter of dispute to CEDARS BUSINESS SERVICES , LLC was not received, nor did I receive a Certified Requested Return Receipt from XXXX XXXX. As such, I have resubmitted my Certified Letter to CEDARS BUSINESS SERVICES , LLC, dated XX/XX/2022. Additionally, I received a Tracking Receipt of Delivery, dated XX/XX/2022 from XXXX XXXX. I have attached both the Resent Certified Letter to CEDARS BUSINESS SERVICES , LLC, dated XX/XX/2022, along with the XXXX Tracking Receipt, dated XX/XX/XXXX. 2022. 

Additionally, I have attached a letter to both XXXX and XXXX, enclosing supporting documents ( XXXX Tracking Receipt ) for their review and file. I requested specific documents from CEDARS BUSINESS SERVICES , LLC and gave them a deadline to produce said documents.
Product: Bank account or service

In XXXX of 2015, I contacted XXXX XXXX for tech support on my XXXX XXXX XXXX, over the phone. The representative that answered the phone told me that. XXXX XXXX XXXX and transferred all their customers to them. I did n't question the rep because they answered the XXXX Customer Service help desk ; I was unaware that they had hacked into XXXX phone line. The rep sold me a 5 yr contract for tech support that day. It was a phone transaction. They said they would send a contract via email. They charged my credit card with Bank of America Visa Account number # XXXX. I called XXXX XXXX support for an annual update and servicing and was told that XXXX had shut down. When informed of the closed business, I checked XXXX and found the attached website, where the attorney general in Washington State had sued XXXX for fraud. Bank of America has not refunded the {$370.00} to my Visa Card. Name on Account : XXXX XXXX. Please investigate this to see why a consumer can not be refunded in the case of FRAUD. Thank you. My phone number XXXX in Virginia Thank you for help.
Product: Credit card

Synchrony continuing to bill me for a fraudulent charge which I disputed. I explained that neither had I ordered or received merchandise amounting to the {$350.00} but had only purchased and paid for XXXX trial items totaling {$9.00} which were unsatisfactory and which the company had failed to allow me to return.
Product: Checking or savings account

On XXXX XXXX I received an email from Chime that my account would be closed. They provided no reason and the email said that after a review of your spending account your account will be closed on XXXX XXXX. I was not able withdraw money from my account as it was closed on the same day that I was notified. The balance that was left in my account was around {$100.00}. I was unable to resolve the issue as they continued to respond by saying that bancorp monitors activity and my account was marked for closure.
Product: Credit reporting or other personal consumer reports

I have 10 inquires on my credit from someone using my name to try n purchase a house. I will contact the other credit bureaus for fraud protection and put a freeze on my account myself I would like help removing these inquiries please. I have know idea where they are coming from
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX isnt reporting XXXX XXXX isnt reporting XXXX  isnt reporting my XXXX  XXXX XXXX card isnt reporting my XXXX car isnt report XXXX shows i only have oone trade line and when my credit gets pulled it say stuff that isnt me and shouldnt be reporting
Product: Credit reporting or other personal consumer reports

I am filling this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this items, as it is incorrect and does not reflect my true credit history. XXXX XXXX XXXX, Account number XXXX, Account type Collection
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request that you delete certain items from my credit report. I understand that you have furnished information to credit reporting agencies regarding my account, but I never gave you permission to do so. As such, I believe that your actions violate federal law, specifically 15 USC 6802 ( b ) and 15 USC 1681b ( a ) ( 2 ). 

Under the Fair Credit Reporting Act ( FCRA ), companies are only permitted to furnish information to credit reporting agencies with the consumer 's explicit permission. By furnishing information without my consent, you have violated my rights under the FCRA. Furthermore, this constitutes grounds for identity theft under 15 USC 1681c-1.

I would also like to draw your attention to 15 U.S Code 1681a ( d ) ( 2 ) ( i ), which requires that credit reports contain information solely as to transactions or experiences between the consumer and the person making the report. By reporting information that was not authorized by me, you have also violated this provision of the law. 

As a result of your actions, my credit report has been negatively impacted. I request that you take immediate action to remove any unauthorized information from my credit report. I also ask that you provide me with written confirmation that you have done so within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX