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

XXXX Mosaic allowed solar company to pull a draw to purchase equipment on XX/XX/XXXX. XXXX XXXX, has not had equipment multiple times for complete installation. Only have a few times the solar panels, no back up batteries ( XXXX ), sub panel ready. Workers showed up with only a few of the panels. I would not let them install because the work was so delayed and back up batteries were on back order as of XX/XX/XXXX. 
XXXX contacted Mosaic and XXXX XXXX multiple times with resolution. 
>> Contacted XX/XX/XXXX stating ready to install however, i have over XXXX interest for equipment at this point never installed. 
>> I reached out to XXXX XXXX by email with no response or follow up regarding concerns and resolution. Failure to install, missing permits, XXXX approval not verified. 
>> loan no XXXX >> installer showed up without all the equipment ; only had solar panels, not able to put online, no back up batteries for sub panel. Email XX/XX/XXXX completely misrepresented on XX/XX/XXXX >> permit was not filed until XXXX >> per loan documents. Freedom shouldnt have pulled over XXXX on XX/XX/XXXX for equip when it was not within 90 days away from installation and was not utilized to purchase equipment until recently. The permits have not been issued by the XXXX XXXX XXXX XXXX ; nor an approval from XXXX. Freedom is not supposed to pulling money from my line credit until 90 days prior to installation this is now 5 months and counting. If I have to file a complaint with Truth N Lending Act ( TILA ) and Consumer Credit Report act I will. As a VA and FHA government mortgage underwriter I am very familiar with lending laws as it is my responsibility as an underwriter to adhere to these laws whether it be consumer law or mortgage law. I worked for the largest solar lender XXXX and definitely know this is not okay to pull from customer line of credit 5 months prior to installation and make the customer responsible for interest and payments without product delivery. 
Laws and Regulations Truth in Lending Act Part 1026 Truth in Lending ( Regulation Z ) ( ecfr.gov ) provides access to the XXXX XXXX XXXX XXXX ( CFPB ) Regulation Z Truth in Lending... 
Credit Cards... 
Small Dollar Lending... 
Fair Debt Collection Practices Act...
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I disputed a account with all three credit bureau, XXXX, Equifax and XXXX. All three credit bureau responded back saying the account was verified and accurate. The alleged account is XXXX # XXXX. Well I come to find out that the account was sold to a outside agency. well in XXXX I sent a certified letter to the new owner of the account which is XXXX XXXX. I have attached the copy of the letter that was sent to XXXX XXXX. they refused to respond to my letter dated XX/XX/2018, I also attached the certified mail receipt to show they received the letter on XX/XX/2018. But they failed to respond to me. I am a consumer and I have rights under the FCRA. and they have been violated, due to XXXX XXXX not responding to me in 30 days. I have all rights to see information and original signed contract from the original creditor. they have failed and refused to send me any documentation. This item needs to be removed asap,,,, or I will file suit,,, I also contacted the original creditor XXXX XXXX by certified mail and they failed to respond to me also,, I have attached a copy of the letter I wrote to XXXX XXXX and certified mail receipt showing I sent XXXX XXXX and they received the letter on XX/XX/2018.both the original creditor and the new owner of the account both failed and refused to respond to me the consumer within 30 days and all three Credit Reporting Agency are reporting unverifiable information this is against the law and the FCRA. This account need to be removed asap or I will file a suit with the federal court,, I did my part as a consumer by writing both the Original creditor and the new owner of the account and both partied failed and refused to respond to me within 30 days and I have the letters that was written to both of them and the proof they received the letter ... this is not a dispute of information on my report, THIS IS A DEMAND THAT THIS ACCOUNT XXXX XXXX XXXX  XXXX  ACCOUNT BE REMOVED ASAP, ,AS FOR MY RIGHTS UNDER THE FCRA HAVE BEEN VIOLATED,, BOTH PARTIES FAILED AND REFUSED TO RESPOND TO ME WITHIN 30 DAYS I AM ENTITLED TO XXXX FOR VIOLATIONS. I HAVE ATTACHED COPIES OF THE LETTER THAT WAS SENT TO BOTH PARTIES THE ORIGINAL CREDITOR XXXX XXXX AND THE NEW OWNER WHICH IS XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Equifax, XXXX and XXXX are all in direct violation of the FCRA laws listed below. 
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.

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

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX
Product: Prepaid card

I've been going back and forth with Bank of America since XXXX about my money that they allowed someone to take fraudulently they have been going back and forth keep on denying my claims talk about somebody that I authorized on myself did the transactions that's not true my daughter passed away in XXXX XX/XX/XXXX so one of those transactions was from XX/XX/XXXX and I was still where my daughter passed away at and XXXX California so that can possibly be me I've told him this I've sent them proof they still keep denying my claims I need someone to help
Product: Student loan

In consideration of the recent announcement that the Federal Government is suing Navient we felt it important to make you aware of our situation with Navient. Currently my parents and I have XXXX student loans with Navient. The first XXXX loans are manageable ; however, the loan I received for my XXXX year is not. The first XXXX are Signature Student -Private loans and while the interest rates ( 5.250 % - 5.375 % ) on those are higher than the interest rates my brother received we feel like we at least can make some headway in paying them off. When we applied for the XXXX loan for my XXXX year we were lead to believe that the XXXX XXXX XXXX XXXX loan was the only choice we had as there had been an " overhaul '' of the private student loan industry and this type loan was the result. We are currently paying a 9.625 % interest rate. This is a much higher interest rate than any car loan or mortgage loan that I or my parents have ever paid. What other decision could we have made? This was my senior year! We have asked about loan consolidation, refinancing and even offered to pay the loan off at a reduced amount. There is absolutely no negotiating with them. Please note this is not for a small amount of money. The total borrowed originally was {$100000.00} and we currently owe {$120000.00}. We do n't quite understand those figures. We thought we negotiated to pay a monthly amount that we could manage but we do not understand how it has been applied. Also they automatically put me in deferment when I went back to school for my XXXX ; however, my parents continued to make payments but that has n't really helped either. For example a payment of {$470.00} only reduced the total owed by {$27.00}, and one month a payment of {$550.00} actually saw an increase of {$78.00} in the total owed. We just do n't understand how the interest is applied nor how the payment is applied.
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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX 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 XXXX 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.
Product: Debt collection

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Product: Credit reporting or other personal consumer reports

I am writing to respectfully request the immediate blocking of certain information from my credit report in accordance with the guidance provided by the Consumer Financial Protection Bureau ( CFPB ). As a victim of human trafficking, specifically debt bondage, I am seeking your urgent assistance in resolving this matter.

In accordance with the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) 1002.142 ( b ) ( 7 ), I have provided the necessary documentation to support my claim, including : A valid picture ID A utility bill A letter from an advocacy group assisting me due to my status as a victim of human trafficking I have complied with all legal requirements under the Fair Credit Reporting Act ( FCRA ), specifically section 605C, and have submitted all requested documentation, including a victim determination letter per 1022.142 ( b ) ( 6 ). As only two items are required by law to process my request, I believe I have met the criteria for blocking this information from my report. 

I kindly ask that you block this information from my credit report within four ( 4 ) business days as required by law. This matter is of great importance, and I would greatly appreciate your prompt attention to my request.
Product: Credit card

In XXXX of 2023, I transferred a balance of {$15000.00} to USBank at an advertised interest rate of 0 % for 13 months. I paid a fee of {$590.00} to transfer this balance. In XXXX of 2023, I received my statement that showed a balance of {$17000.00} which included the balance transfer of {$15000.00} plus new purchases of {$1400.00}. I paid {$3300.00} to cover my new purchases plus a portion of the balance transfer. In XXXX of 2024, I received a bill for {$17000.00} which included {$3300.00} in new purchases and a balance of {$13000.00} on the balance transfer, plus {$31.00} in interest. I called and asked why I was being charged interest if I had paid all my new purchases plus a portion of the balance transfer the month before. The representative did not understand why I was changed interest and reversed the charge. I then paid {$4600.00} which covered all my new purchases plus a portion of the transferred balance. In XXXX, I received a statement for {$13000.00} which included {$1100.00} in new charges, {$12000.00} on the balance transfer plus interest of {$58.00}. When I called to ask once again why I was being charged interest, I was told it was because I was continuing to use the card and they were charging interest on new charges made after the statement date but before I make the payment. She told me that I simply didn't understand the terms of the offer. I feel this is a very deceptive practice. I have paid all of the new charges each month as well as extra to reduce the balance transfer. I was not given an option or any indication that I needed to pay more, or a way to apply the payment toward new purchases to avoid interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a Equifax Rep. about unauthorized inquiries on my credit profile the agent XXXX ( ID XXXX XXXX ) told me that unauthorized inquiries have to stay on my credit report for 2 years which negatively affects my credit health as I am trying to re established good credit how is possible this violate my consumer rights 15 usc 1681i in accordance with paragraph ( 5 ) this company has stripped me of my right of fair and accurate reporting as I was told that equifax has no way of deleting unauthorized inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX is reporting a late I do not have. I paid the account off in XXXX and I should not have a XXXX late. They called me and said it was a mistake and that they would fix it however they have not done so. I should not have a late on this account it was paid off and it is their mistake.
Product: Credit reporting

I received a call on Tuesday XXXX/XXXX/2016 from a third party, XXXX, who I had an open account with stating that the third party XXXX closed my account. I made contact with XXXX later that evening and I was informed that my account has been reported as 78 days past due, which at that time 78 days prior would 've been XXXX XXXX, 2016. This is untrue, due to the fact that I made XXXX payments to XXXX. The representative stated, that my account was reported to the credit bureau as 60 days past due XXXX times, and 30 days past due XXXX times. This information is inaccurate. The representative stated that it is a result of their billing cycle and not that my account was actually 30 or 60 days past due. I am writing because I have made over {$400.00} in payments, which is in compliance with my monthly bill payments, and I am being told that my on time payments are not being honored, and that my account has been inaccurately reported. My understanding is companies report to credit bureaus when an account is minimally 30 calendar days delinquent. This is not the case, my account is being reported based on the companies billing cycle.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, all of my student loan accounts with the US Department of Education have been in forbearance. The forbearance was granted by the US Department of Education Borrowers Defense program. Since XXXX of XXXX, I have been disputing incorrect information reported on these accounts. After each dispute, I would receive a letter stating the account was verified as accurate despite my sending in proof that they were not accurate. They are currently showing that I am in collections and they were not reporting the monthly payments I made on the account from XX/XX/XXXX thru XX/XX/XXXX. I also entered into an income-based repayment plan to satisfy my mortgage lender. The US Department of Education ended up refunding my $ 5 monthly payments since the accounts were in forbearance and they were not supposed to collect payments.
Product: Credit card or prepaid card

Between XX/XX/XXXX and XX/XX/XXXX I made a total of ten payments to two different TD Bank credit cards from my XXXX XXXX XXXX  account. The money came out of my account, but was never credited to either TD Bank credit card. 

I have contacted both XXXX XXXX XXXX and TD Bank Card Services multiple times. XXXX XXXX XXXX explained to me that the electronic transfers came out of my account and gave me proof of the electronic payment made to TD Bank. TD Bank Card Services has been extremely difficult to deal with, and seems to have no record of any of these payments. Additionally, I have to explain the entire situation to a new person every time I get on the phone. On XX/XX/XXXX, after hours on the phone with TD Card Services, a representative asked me to send a paper letter with the print outs of the proof of electronic payment. I did so on XX/XX/XXXX When I followed up by phone multiple times, no one seemed to know what I was talking about. 

The total amount I have paid to TD Bank credit cards, for which I have proof of electronic payment, is {$2200.00}. 

Here are the dates and amounts of the missing payments : XX/XX/XXXX for {$280.00} to the account ending in XXXX XX/XX/XXXX for {$72.00} to the account ending in XXXX XX/XX/XXXX for {$280.00} to the account ending in XXXX XX/XX/XXXX for {$72.00} to the account ending in XXXX XX/XX/XXXX for {$280.00} to the account ending in XXXX XX/XX/XXXX for {$72.00} to the account ending in XXXX XX/XX/XXXX for {$280.00} to the account ending in XXXX XX/XX/XXXX for {$530.00} to the account ending in XXXX XX/XX/XXXX for {$72.00} to the account ending in XXXX XX/XX/XXXX for {$280.00} to the account ending in XXXX This money that has come out of my bank account, but not been credited to my TD Bank credit cards, has been accruing interest for almost two years. Additionally, I have wanted to pay off both credit cards in full, but I have been unable to because I don't know exactly how much I owe due to the fact that 10 payments were uncredited.
Product: Credit reporting or other personal consumer reports

Portfolio Recovery has reported an account associated to me but this is not true. Account open on XX/XX/2023 for the amount XXXX .. Not sure what this account is and who it belongs to but this is not mines
Product: Credit reporting or other personal consumer reports

RE : Dispute of Inaccurate Information on Credit Report Dear XXXX, EXPERIAN, AND XXXX ], I am writing to formally dispute inaccurate information listed on my credit report, specifically regarding the following account : Account name XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Under **15 U.S. Code 1681**, also known as the Fair Credit Reporting Act ( FCRA ), you are mandated to ensure the accuracy, completeness, and verifiability of the information reported on consumer credit reports. In accordance with this law, I request that you conduct a thorough investigation into the account listed above.

As per the FCRA, if the information can not be verified as accurate within a timely manner, you are required to remove it from my credit report. Therefore, I am requesting that you take action to remove this inaccurate entry **within 4 days** of receiving this letter.

To assist you in your investigation, I have enclosed the following documents to verify my identity and address : 1. A copy of my Social Security card 2. A copy of my government-issued ID 3. Proof of address ( utility bill ) 4. A copy of my credit report with the accounts in question highlighted I expect to receive a written response from you regarding the results of your investigation within **30 days**, as stipulated by the FCRA. Should you find that the information is indeed inaccurate, please ensure its prompt removal from my report. 

Thank you for your attention to this matter. I look forward to your swift response. 

Sincerely, XXXX XXXX XXXX UCC XXXX All Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. XXXX is reporting late as reported in XXXX. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

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

I am writing to formally notify you of fraudulent activity on my credit report as a result of a data breach. I am a victim of identity theft and, under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the fraudulent account and credit inquiries listed below.

Fraudulent Account : Creditor Name : 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 XXXXXX/XX/XXXX
Product: Debt collection

My identity was stolen years ago, this account does not belong to me, It's not even on my credit report.
Product: Credit reporting

I am a victim of identity theft and someone stole and used my personal information to open unauthorized and fraudulent accounts. I have been receiving harassing and threatening telephone calls and death threats in regards to unauthorized and fraudulent accounts and debts that do not belong to me. The following accounts listed on my Trans Union credit report are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX County District Court, XXXX County District Court, 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. The following inquiries are unauthorized and fraudulent inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX and XXXX
Product: Credit reporting, credit repair services, 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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 : 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 veals.

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 nas reasonable cause to belleve that the information is inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I notice some unauthorized hard inquiries on my credit report i would like removed i did not give my permission for credit to be ran According to the FCRA, these unverified and unauthorized items must be removed