23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a victim of fraud and misrepresentation on or about XX/XX/XXXX. 
1. At the time of the contract, I was unemployed without any possibility to pay any debts. 
2. A non-homeowner income was used for qualifying purposes. 
3. I never received the alleged rebate that was promised to me at the time of the contract. Since the rebate was not given the payment of the solar panels increased and I was unable to keep up with the payment causing me to fall behind on payments. 
4. I was never notified that any electricity that was used beyond the capacity of the solar system would be charged by XXXX at end of the year. 
5. On or about XX/XX/XXXX, a solar company representative of the solar company came to my house turned off the solar system, and installed a lockbox terminating any further use of the solar panels. 
6. When they locked the system, I contacted the solar provider to arrange a payment option which they declined and said I had to pay it in full or it would go to collections. 
7. The solar system was installed on my roof knowing my roof needed to be replaced. 
8. Two licensed general contractors of the State f California inspected my home shortly after the installation of the solar equipment and certified that the roof needed to be replaced and a nominal fee to uninstall and install the system after a new roof was installed ( estimate available upon request ). 

Be advised the process to qualify for this solar panel was fraudulent. I have never been able to use any of the solar panels since they were installed.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is a small debt from a dental office that I already paid the dental office for. I mailed a check for the full amount of {$100.00} in a week ago to the dental office and the bill said it wasnt even due until XX/XX/17. They were mailing it to the incorrect address so I wasnt receiving their bills. 

I have been getting repeated calls every day from Capital, phone number XXXX, for the past 7 days. I told them on the first call that I dont owe money, but they still call. I have tried telling them they have the wrong number, but they still call. They will not stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX U S DEPT OF EDXXXX XXXX Balance : {$200.00} XXXX XXXX XXXXXXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$200.00} XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX XXXX  XXXX Balance : {$710.00} XXXX  XXXX Inquired on XX/XX/2022 XXXX
Product: Debt collection

I have contacted ACE Cash Express several times at the beginning of the pandemic stating that I had a 100 % loss of income and that no payment arrangements will be made until my employment is back up to a manageable level. They refused to work with me. I sent them an email restating the same thing. I'm doing all I can to feed my son during this time while attempting to rebuild an income. I'm 100 % on unemployment right now. No arrangements will be made until income is restored. 

They have repeatedly contacted me regarding this debt after I contacted them to stop the harassment. They have showed up to my dead father 's home in the state of Michigan, six years after his death. They have contacted my brother in the state of Michigan after I told them to stop harassing me. 

They have filed a lawsuit in the state of Texas in XXXX XXXX regarding this. I have contacted the phone number and case number regarding this legal claim and was told I need to deal with Ace Cash Express directly. They were not even able to provide me with a contact and phone number. 

I have contacted ACE Cash Express AGAIN, at their corporate offices and very explicitly and blatantly told them to stop harassing myself and my family we are in the middle of a pandemic and millions including myself are still unemployed. It is unconscionable that this is happening during this time after they have been repeatedly told the situation and to STOP HARASSMENT.
Product: Credit reporting or other personal consumer reports

I noticed on my XXXX XXXX report that there were XXXX hard new inquires posted since yesterday. XXXX today on XX/XX/year> and one yesterday on XX/XX/year>. I have not authorized any of these inquires, nor have I applied for credit cards. I called each institution and notified them. They said they did not see any inquiries or applications but that they would make a note. 


First one : XXXX. Location : XXXX XXXX XXXX XXXX, PA XXXX. Phone number XXXX XXXX. XXXX type is individual. Requested on XX/XX/year>. 

Second one : CB INDIGO. Location : XXXX XXXX XXXX XXXX, XXXX XXXX. Phone number XXXX XXXX. XXXX type is individual. Requested on XX/XX/year>. 

Third one : XXXXXXXX XXXX XXXX. Location : po box XXXX XXXX, DE XXXX. Phone number XXXX XXXX. Inquiry type is individual. Requested on XX/XX/year>. 

I also need a letter so that I can delete these from my report.
Product: Debt collection

XXXX XX/XX/XXXX - AFNI, Inc notified me via mail of alleged debt of {$880.00}, owed to XXXX XXXX XXXX. 

XXXX XX/XX/XXXX - I sent debt validation request letter to AFNI, Inc IAW Debt Collections Practices Act. I specifically asked for a detailed description, an itemized description, and copies of all documents showing my agreement to purchase any product/service from XXXX XXXX XXXX. The letter was sent REGISTERED MAIL, RETURN RECEIPT REQUESTED. 

XXXX XX/XX/XXXX - I received another letter from AFNI, Inc alleging a debt of {$880.00}, owed to XXXX XXXX XXXX. In this letter, AFNI refers to my recent IDENTITY THEFT and XXXX XXXX. I haven't had an IDENTITY THEFT, nor have I ever had an account with XXXX XXXX 

I am also sending a Cease & Desist letter to AFNI, Inc, via REGISTERED MAIL, RETURN RECEIPT REQUESTED.
Product: Student loan

Mislead Into going to a school that promised so much career opportunity and growth but instead got brought into a student loan debit that has become so large to even repay and now my former school ( XXXX XXXX XXXX ) as completely shut down and is and tried to work out a payment option or have the loan forgiven but is still giving untrusted information on what to do by Navient
Product: Vehicle loan or lease

Under 15 USC 1611 I am not to be denied an extension of my own credit but they have denied me. I filed a complaint with CFPB XXXXXXXX XXXX XXXX XXXX XXXX stated they mailed a copy of document to me and CFPB but did not and you guys closed the case. I'm requesting this complaint to be reopened and I want to receive the recommended loan amount I requested or a reasoning why this is not being taken care of.
Product: Mortgage

When my mortgage was sold by XXXX XXXX XXXX  to Carrington.Mortgage XXXX XX/XX/2020, my credit score plunged 88 points, delaying my plans to plans to install solar panels on my roof. I called XXXX and Carrington. XXXX said it couldnt help and Carrington said it was normal for credit to drop that much and it would rebound in 60 days. Its XX/XX/XXXX and it hasnt come back by 88 points. I havent missed a payment, even during the Corona Virus. How can this be right? I didnt ask XXXX to sell my mortgage, yet my credit was ruined by these to companies. 
Please help. 
Thank you, XXXX XXXX.
Product: Mortgage

I had an escrow analysis performed on my mortgage in XXXX of 2020. Another escrow analysis was performed in XXXX. I received an escrow account disclosure statement on XXXX XXXX, to pay nearly {$1300.00} in shortage. I asked for an extension, as this would be nearly impossible for anyone to produce that amount of money in such a short amount of time. I asked for mid-XXXX  since I wasnt even provided 30 days notice to pay this. The servicer would not XXXX it. I asked to talk to someone about a refinance, as a nearly $ 400 monthly increase in my mortgage payment is very challenging. She said she would transfer me, then hung up on me. I would think that especially in todays economy, and given the fact that I wasnt even given 30 days notice to pay, a small extension could have been granted on this unexpected large payment. I have always paid my mortgage early or on time.
Product: Vehicle loan or lease

Interest rates are extremely high I'm paying double the price of the vehicle
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. I have already reported this to the credit bureaus. I sent all of my documentation including my Identity theft report from law enforcement and my identification, as well as a letter describing the crime. My information was exposed in the XXXX data breach and I believe that this is how they got my information. I have sent this information 2 times already to the bureaus and the information is still on my reports. It has been several months already. Please contact me if there is anything I can do or you need any more information from me.
Product: Credit reporting or other personal consumer reports

XXXX account XXXX I think not nime due to Identity theft
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX, XXXX, XXXX XXXX AND 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 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, XXXX, XXXX XXXX AND 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
Product: Credit card or prepaid card

Numerous requests t o PNC to stop sending credit card offers in the mail have failed. Was assured by PNC that I will  not receive offers to my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern I want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me I have no knowledge of them, be advised by law I have the right to PRIVACY and you the credit reporting agencies have violated it. The list of accused collections accounts and dates FOLLOW AS : Fair Collections and Out opened XX/XX/2022 for {$530.00}. BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

They are attempting to collect a debt that is not mine. It is a medical bill co-payment for my children under their fathers health insurance. I am not married to thier father. Our divorce states that he is financially responsible for medical insurance and expenses. I have notified the company of this by phone at XXXX. I have been getting repeated collection letters. After calling to notify the company that I this is not my debt on XXXX/XXXX/2015, I was yelled at on the phone by the answering representative who demanded to know my relationship to the insured and insisted that as a parent I was " 100 % responsible for the bill. '' I asked to speak with her supervisor. She then told me she was the supervisor. I asked to speak to her supervisor, after a brief hold, I spoke with a someone who identified herself as XXXX XXXX of Credit Clearing House of America ID # XXXX. She states that she has no direct phone extension and that the only other supervisor is XXXX XXXX, also with no phone extension. She refused to provided me a name for an owner or higher up representative of the company. She states that it is not her responsibility to investigate this claim and suggests that I send a letter addressed to the unnamed " owner. ''
Product: Credit reporting or other personal consumer reports

It was reported that I had account with a collection agency, of which I had no legal agreement as well as charge offs to account being reported continuously after the initial charge off date.
Product: Credit reporting or other personal consumer reports

I had lost my card and put a lock on it and ordered a new card. The new card di not come and I forgot about the card. Their anual payment came and with out contacting me to pay the balance of {$70.00} they reported to the agency. Took my score from XXXX down to XXXX. 
They agreed to send letters to the reporting agencies. As of today the score still looks low
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, have no choice but to submit a complaint against a nationally known vehicle finance company known as XXXX XXXX XXXX. My argument is based upon the implementation of two separate federal laws, the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. My argument is against an abusive derogatory placed on not only mine but my wifes credit report, with each respective credit reporting agencies, XXXX, rans Union and XXXX  respectively. I have had an impeccable payment history with XXXX XXXX XXXX since XXXX, as he attached credit reports shows Account Number XXXX opened XX/XX/XXXX, a perfect payment history until the vehicle was traded in for a new lease in XX/XX/XXXX. That loan payment history was perfect Account XXXX XXXX. As you can see from the attached two credit histories of the same account, on XX/XX/XXXX the account shows PAID. CLOSED/NEVER LATE as of the lease close out XX/XX/XXXX. At that time my wife XXXX took a new lease with XXXX XXXX XXXX XX/XX/XXXX. Is was not until a month later when both me and my wife received a notice by mail that there was an additional charge on vehicle maintenance. I made the necessary arrangement to pay the additional lease charge that had absolutely nothing to do with any payment history. XXXX XXXX XXXX can not mingle payment histories with any substantive collection issue after the fac. This is in fact not only a Fair Credit Reporting Act violation but a violation under the Fair Debt Collection Practices Act : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : XXXX : XXXX If XXXX XXXX XXXX had a financial issue with the lease, then after the payoff the only remedy would be through the FDCPA. FCRA does not apply..period. Accordingly, XXXX XXXX XXXX has applied a separate but highly illegal interpretation in its collection criteria by abusing the FCRA along with its tightly controlled subscriber agreement with each respective credit reporting agencies. The Consumer Financial Protection Bureau is the super-ceding authority on the implementation of FCRA, and I believe that the XXXX  XXXX XXXX company should be investigated including a full legal review of its contractual agreements with the general public. Sanctions are of necessity on this issue. I demand the late payment back-dated to XX/XX/XXXX be deleted, and that XXXX XXXX XXXX issue a policy change to the American public through the CFPB. 

XXXX XXXX XXXX is 100 % wrong on this back-dated latte payment, as once the lease was paid off by initiating a new vehicle lease for XXXX XXXX, FCRA was out of the equation and only collection remedies were in play through the FDCPA. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon careful review of my credit report, I noticed that a XXXXXXXX XXXX XXXXXXXX entry has been incorrectly listed. In accordance with FCRA 623 ( a ) ( 5 ), if this information can not be validated with the original creditor, it must be removed from my file. 
In this case, the XXXXXXXX XXXX XXXXXXXX, cited as the original source, have clearly stated that they do not supply information to credit reporting agencies, nor do they confirm or verify public records. Furthermore, XXXX has provided documentation indicating their inability to validate this public record information. 
It is solely the responsibility of credit reporting agencies like yourselves, or your third-party providers, to ensure public record information is verified. This task is never handled by the Recorder of Deeds or the XXXX XXXX XXXX, as outlined by privacy protections under the Fair Credit Reporting Act. 
As such, the reporting of this XXXX violates the following federal regulations : 15 USC 1681a ( e ) : Prohibits reporting public records without proper validation.

15 USC 1681b ( a ) ( 2 ) : Restricts the provision of consumer information without consent.

15 USC 1681c ( a ) : Excludes outdated or inaccurate XXXX information from consumer reports. 
The continued reporting of this unverifiable XXXX  is causing me significant financial harm, including preventing me from obtaining credit necessary for supporting my family. This needs immediate correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was compromised during the Equifax hack.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. XXXX, Equifax, and XXXX are companies not bureaus and they have no rights but I do. No consent or permission was given ( which is fraudulent ) to allow them to furnish any of the information they have listed below and I want it all deleted and blocked immediately. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15. 
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. Inquiries : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, EQUIFAX MORTGAGE SOLUT XXXX XXXX XXXX XXXX XXXX Bankruptcy : XXXX XXXX XXXX  WI XXXX
Product: Student loan

This is fraud cause I did not open this account n I did not attend the XXXX
Product: Debt collection

On XX/XX/XXXX Capital One Financial Corporation was awarded a court judgement against me in the amount of {$4300.00} for an unpaid credit card account in my name only. At that time, they also froze the joint bank account I had with my spouse which subsequently was released. In XXXX Capital One attempted to garnish my wages, but due to part time employment and my income not meeting garnishment requirements it was dismissed by a judge after appearing in court. On XX/XX/XXXX Capital One has again filed for a garnishment and abstract of judgement hearing dated for XX/XX/XXXX. Due to my unemployment and financial circumstances off an on since the original date of judgement in XXXX that balance remains unpaid and no payment was ever made. Is this company breaking the law by filing another lawsuit against me since it has now been over 10 years since the original judgement was awarded? Hasnt the statute of limitations expired on this type of debt in the state of Virginia?
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account below : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX / XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$4000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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