23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Credit Breau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have made numerous attempts since 2018 to have Fradulet information removed from the credit Breaus I have sent certified identity theft reports I have sent certified police reports they have not followed the law An block these items from my report They place them into dispute to keep a long process going iam in the process of speaking to a lawyer now for damages, time wasted! an to hold them accountable for not following the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any accounts listed on an id theft report. Please find the required documents to assist in blocking the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) Experian shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$650.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$370.00} ; XXXX  Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$460.00}
Product: Payday loan, title loan, or personal loan

I am writing to you today as a formal complaint against GoodLeap. We invested in Solar Panels and Backup Battery Package with XXXX XXXX XXXX, XXXX on XX/XX/XXXX. We had numerous problems from the start and finally ended up getting our system installed on XX/XX/XXXX. However, the system would not pass inspection and we did not finally have our system up and running until XX/XX/XXXX, with our first Loan PaymenXXXX through Good Leap being due in XX/XX/XXXX. Good Leap started charging us interest on our {$55000.00} solar loan after the contract was signed, so we were in the negative when we made our first loan payment. 

During our first year, we have had numerous issues. Wiring that has not worked properly when power goes out so that the backup battery runs as it should, snaps that error out on the inverter which means our system does not function properly so we are not saving energy back to the grid, and I now have a leak in my roof due to improper installation by the installer. My roof was replaced in XXXX due to hail damage and now has architectural shingles. My roofer came out to inspect my roof for the leak and took pictures of the damage done by XXXX XXXX. He will not touch my roof to repair the damage because it would void the responsibility of the installer. 

On XX/XX/XXXX I received a letter in the mail that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX is now bankrupt. I am left paying a loan for a solar package that was misrepresented from the beginning, equipment that is faulty and can no longer be serviced by the installer, and snap issues that are tied up in a lawsuit between XXXX XXXX and XXXX. On XX/XX/XXXX I was told by a XXXX representative that the solar panels installed by XXXX XXXX are not compatible with their system and that is why the snaps are not functioning properly. 

XXXX XXXX XXXX, XXXX misrepresented their product, lied about so called cash rebates to be applied back against the loan, and installed product not compatible with XXXX XXXX XXXX. I am left paying on a {$57000.00} solar loan for equipment that is faulty and was misreprestented at the time it was sold to me and is in violation of contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC ID Theft Affidavit attached. Please block the tradeline listed per 605B of the Fair Credit Reporting Act. Collection Account - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX
Product: Debt collection

I am writing to lodge a formal complaint against a debt collection company named RevNow - ( Employee Al XXXX ) with the information below : RevNow XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have experienced repeated violations of the Fair Debt Collection Practices Act ( FDCPA ) at their hands, which have caused significant distress. 

Specifically, RevNow has engaged in the following prohibited actions : - Making repeated harassing calls to myself and contacting my family members without my permission, falsely implying they were being served legal papers. 
- Calling family and friends across state lines after the above call, indicating they were looking for job references for me. 
- Calling me after contacting family and friends and claiming that I had listed said family and friends on my credit application. 
- Denying said actions after being questioned about the situation of being served papers to determine whether or not I am still waiting to be served papers or not. 

Being convinced that they were separate issues, and after being assured there was no involvement in the paper serving call, I setup a payment plan with RevNow only to be immediately informed by my mother, my brother, my sister-in-law and a former business client that they had received the same XXXX calls back to back as well ( phone number - XXXX ). 

I have attached the payment plan details which were emailed to me following the call. 

These actions have not only caused me undue stress but have also negatively impacted my family life and employment during a profoundly urgent health crisis. I had left my line open to unknown numbers to be available for my daughter during an acute psychiatric crisis and the call indicated that I was being served papers, which I took to mean I was being served papers regarding her situation so I left work. 

I am seeking the FTC 's assistance in investigating these practices and taking appropriate enforcement action against RevNow and what I can do about the damage this has caused me and the damage to relationships with my family and friends. 

Thank you for your attention to this matter. I am looking forward to your swift action to address these unlawful debt collection practices.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Late Closed : XXXX XXXX {$770.00} XXXX XXXX {$0.00} Collection : XXXX XXXX XXXX XXXX {$4300.00} XXXX Off : XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

To whom It May Concern, I am writing to formally dispute my student loan obligation due to a serious breach of my personal financial information. My private data has been compromised without my authorization, which constitutes a clear violation of the Family Educational Rights and Privacy Act ( FERPA ). FERPA is designed to protect the confidentiality of student records, and your failure to uphold these protections has placed my personal and financial security at significant risk. 

Given the severity of this breach, I no longer have confidence in your ability to safeguard my sensitive information. As a direct result of this violation, I do not feel comfortable making any further payments toward this debt. The failure to protect my information is not only a legal violation but also a breach of trust that has caused me undue harm and distress. 

Therefore, I am demanding that my student loan debt be canceled and fully discharged immediately. Should you fail to take corrective action, I am prepared to escalate this matter through legal channels, including filing formal complaints with the XXXX XXXX XXXX XXXX, the Consumer Financial Protection Bureau ( CFPB ), and any other relevant regulatory agencies. 

I expect a written response within [ reasonable timeframe, e.g., XXXX  days ] addressing my demand. If you require any further information regarding this matter, you may contact me in writing at the address provided above.
Product: Checking or savings account

I am a 100 % legal US born citizen living as a 100 % legal resident in the XXXX with my wife and daughter. 11 months ago a check I wrote from my US CHASE bank account to my local XXXX bank bounced. The account balance was much more than enough. Our local bank then showed me a telix image of my check clearly stamped " ACCOUNT CLOSED '' we we're shocked. Neither I nor my US based account manager had even been notified by CHASE Banks as is legally required. The saga is very long and drawn out involving mounds of correspondence and scores of conversations. I'm attaching my latest letter to Chase as a synopsis. The short version is that CHASE Bank has been continuously evading returning my. {$87000.00} account balance well past the point of serious criminality.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX XXXX Balance Owed : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached history of disputes with this place/organization These are the Dispute Report Numbers which can be verified with the credit bureaus. 

Disputes go as back as last year XXXX XXXX XXXX Under FCRA 623 ( a ) ( 3 ), FDCPA 807 ( 8 ) " if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Therefore, a furnisher can still provide a consumers credit information that is in dispute, but it must clearly state to the credit reporting agency that the information provided is being disputed. 

They have failed to state this on any of my reports therefore violating my rights. 

No proof of ownership, late payments or any at all has been provided as proof. 

Copies of reports will be attached. 

Each report will show failure to report account under dispute as of my rights on FCRA ( a ) ( 3 )
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 around XXXX XXXX In regrades of my XXXX  credit report, Transunion credit, XXXX  Credit. This is for all the credit Reports Agencies. All three want me to pay to monitor my credit even though I have fraud protection, freeze being a victim of Identity theft I have started checking my credit report every month sometime twice a month I also check with my creditors, my score was on XXXX on XX/XX/2020 after I spoke about my credit the gentlemen wanted me to pay for an upgrade I had did that before I told him no. And the next day XX/XX/2020 my score was taken down by four points. And they also ask about Boost up your credit with paying your utilizes bills but they only work with certain credit union and mine is not one of them. Another time XXXX all the way back to XXXX score up then every time I call with my credit report they want me to pay money, so I am wondering do I have to pay the credit bureau to have good credit even though I am paying my creditors. then I was ask to pay money to upgrade for my protection over my credit my response was why should I continue paying XXXX  {$20.00} a month more to raise my credit score up {$19.00} per month for XXXX. Transunion {$29.00} per month. Now the way the economy going paying a total of {$70.00} a month is that fair to you all. I am a widow and I work very hard on my credit. Please stop lower my credit points for know reason.
Product: Mortgage

Hello, I keep receiving phone calls and letters from Ditech financial for me to pay a loan I never obtained with them and they do not stop harrassing me.
Product: Mortgage

Both our mother 's died, we were trying to keep up but the unexpected expenses from each funeral kind of got us so last year I applied for home retention assistance. Select portfolio servicing accepted the application and as of this date I have recieved no status on that application; however on XX/XX/2024 I received a message saying sps has an option for me so I immediately emailed them to request the option in writing but they have not responded to that nor have they given me the status of my application. I have followed up via email so that they know that I'm waiting for the next step for my home retention assistance.Today XX/XX/2024 some man comes to my door to tell me sps filed foreclosure on my home today. The man did not give me anything. This is beyond frustrating, I provided my application and all requested documents. Sps accepted them and just said it was under review, its been months now. I have been in constant contact via email ( trust issues ) this is exactly why. From the beginning I made it clear that we do everything in writing so there's no discrepancy later and I battle chronic illness so my people skills and memory aren't too good. In the beginning sps responded but then as I checked in I was getting less responses. As of today I have received no application status, no copy of my original agreement with all pages and modification, or the option that Sps said they had for me. I believe these people have been working in bad faith again.
Product: Credit reporting or other personal consumer reports

I opened a XXXXXXXX XXXX XXXX XXXX with a limit of {$3100.00}, used it responsibly, and made all my payments on time. A few months later, I received a letter from XXXX saying my account would be closed. When I called to ask why, they wouldnt give me an explanation. I filed a complaint and eventually received an answer stating that the account was being closed due to a " past account '' with them from around 2012. I insisted that they open a fraud investigation, because i have never had an account with them before which they agreed to. However, in the meantime, my account was still closed. I paid the card off in full shortly after learning of this. 

Later, I received a letter confirming I wasnt at fault, the " previous account '' was indeed fraud and that all negative history related to the account would be removed from my credit report. Despite this, I expressed my dissatisfaction about the account closure, as it was no fault of mine. They refused to help, and when I asked for assistance in removing the current account from my credit report, they told me that my account had been purged from their systems and they couldnt do anything further.
Product: Debt collection

THIS COMPANY IS KEEP REPORTING NIGATIVE ITEMS ON MY CREDIT REPORT, I AM A VICTIM OF IDENTITY FRAUD
Product: Debt collection

My name is XXXX XXXX, This is a request in the validation of claims that negatively affect my credit report. I am not aware of any amount owed to your company on my behalf. So in accordance with 15 US code 1692 G I am requesting the ALL of the following.

I would like to see the original contract between me and the original creditor with my wet signature. 

I would like a full and detailed payment history on this account Is there any claim of insurance on this debt? 

And lastly I want to see the chain of title that you have to collect on assumed debt.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX CO XXXX Balance : {$70000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached document account with XXXX XXXX XXXX XXXX XXXX is inaccurate , fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXX  XXXX account : Please remove all of the inquiries as stated above, as they are listed below from Equifa'x report XXXX The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below.
Product: Mortgage

On XX/XX/2023 I received a letter from Bank of America stating they have removed PMI based on a loan to value of less than 80 %. 

I requested to have escrow removed based on XXXX of less than 80 %. 


I received a letter from Bank of America XXXX department stating my XXXX was 96 %. 

You remove PMI based on XXXX of less than 80 % but Bank of America XXXX department denied removing escrow based on XXXX 96 %. 

For Bank of America to hold my escrow account XXXX sounds like it benefits then financially. 

I requested the escrow removal on one day and the next day I receive this standard form letter with denial due to equity being 96 %. 

What kind of bank is this that operates like a scam. 

Bank of America is contradicting itself. The right hand doesnt know what the left hand is doing. 

Property address XXXXXXXX XXXX XXXX XXXXXXXX ga XXXX Sent from my XXXX
Product: Student loan

Requested a refund check for payments made on my student loan accounts at the end of XXXX. Was told after approval it would take 4-6 weeks. Refund was approved on XX/XX/22. The balance of my loans updated on my XXXX  on XX/XX/22. I have called once weekly inquiring about my check and was told its in the hands of the dept of treasury and that it should arrive soon but that the timeline has changed to 10-14 weeks from approval. They keep changing the timeline. Please help me because Aidvantage has not provided me with any correspondence other than when i inquire. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance of 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX 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 15. U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may take any consumer reporting 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 in accurate.
Product: Prepaid card

This card was originally loaded with XXXX. I must have misplaced it and forgotten about it. I recently located it and checked the balance. It is now XXXX. The card expired XX/XX/XXXX. I called and was told they will not reissue a card and I now am unable to collect the XXXX. That is wrong. I understand about the XXXX monthly rip off fee. I should be able to collect the remaining XXXX
Product: Debt collection

I received a new XXXX XXXX with a phone number that belonged to someone else. I've attempted to get the company, SIMM Associates, to stop sending messages to the number on the XXXX  but have been unsuccessful. The daily texts that I receive state " SIMM Assoc - Debt Collector : Pymt plan at risk get in touch. Click sclk.me/SIMMpay or call XXXX. Re : SIMM # XXXX. Reply STOP to opt out ''. 

I'd reply STOP but this is a XXXX XXXX and I don't have that option. I've talked to several people at SIMM and was told that the number was removed but it has not happen and I started calling back in XXXX. The last person I talked to asked me if I was or knew the person on the account and I advised them that I was not that person and had never heard of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am completely overwhelmed and suffering homelessness due to this credit reporting agency and their improper use of my information that I never gave them permission to furnish in the first place. They are utilizing my personal and private information for financial gain. They are defaming my character with unlawful and wrongful statements about me as a consumer. I have become severely XXXX  as a result. I can not get a job, home or vehicle due to this unlawful reporting.
Product: Credit card

Upon waking today XX/XX/XXXX I saw an alert from XXXX XXXX that one of my accounts was closed. I then called Bank of America, who the card was issued from, and was told it was closed and XX/XX/XXXX and that on XX/XX/XXXX a letter was mailed to me which would explain the reason for the closure ( which I have still not received ). Unsure as to why they would send a paper letter being that I am fully signed up with all electronic statements and notifications. When I called, they offered up no options, solutions or further information. I opened the card in XXXX of XXXX and had a plan to use it for several large purchases within the next couple of months if not sooner. There was no balance on the card as I hadn't used it yet and an open available credit of {$6000.00}. My credit score has now taken a large hit as well, so I am unable to apply for a new card and get that same credit limit. This account was not even a year old and then closed without notice of any kind. It is unacceptable to punish consumers by closing their credit card only because we didn't use it fast enough. We planned what we were going to purchase on this card in advance and now we have nothing. Most promotional periods even last a year, and we got not opportunity to take advantage of that like we planned because they closed the account before the one-year mark. This is very frustrating especially since we have another card with BOA that we have been using. So obviously we make purchases on our cards we just hadn't used the one they closed yet. This is very shady and, in my opinion, illegal behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to negligent or malicious actions and/or improper storage of data/information on the part of EQUIFAX , Inc., My personal information and credit data about me were stolen from EQUIFAX , Inc .
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I had fraudulent activities. This is stopping me from obtaining credit. I am requesting that these fraudulent accounts be removed from my credit report. Thank you,