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

At the end of XXXX of XXXX, I had a gentleman XXXX XXXX from XXXX XXXX at my door explaining to me about going solar. XXXX with XXXX had told me that XXXX  XXXX is going up by 45 % and he could save me money by going solar with XXXX, XXXX sat down with me and said I'll be paying more with XXXX  XXXX and he would save me money going Solar. I told him I've been on XXXX since XXXX, and he asked me for my XXXX XXXX bill and my XXXX paperwork. He showed me that also going solar I would also receive a tax credit of {$10000.00}. I had to do my taxes on XX/XX/XXXX and I was told that's not how that works regarding the tax credit. My payment would be {$190.00}. Now as of XX/XX/XXXX, they took out {$230.00} and that's incorrect. 

I have tried to call XXXX, and his manager XXXX at XXXX for over a week and a half and received to call back. I tried calling XXXX the loan company as well. 
As of XXXX of XXXX, I called my bank, XXXX  and they had put a 6-month block on my account so the loan company XXXX would not be able to take money out of the account all I keep getting is lies, and the push around from XXXX. 

I was lied to by XXXX XXXX the Rep for XXXX and everything I was told was nothing but lies regarding this solar loan of {$55000.00}. 

Company 's involved XXXX installation Sunnova- loan company. 

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

I have been a victim of Identity Theft. The following accounts are fraudulent : To protect myself from further harm, I have filed a consumer protection and an Identity Theft report. ( See attached reports. ) I did not authorize these fraudulent accounts. I have also provided you with copies of my social, current and past address and license.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 

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. 


You have 30 days from the date of this letter to delete the above account if you can not produce DOCUMENTS of this account being verified. This letter is NOT a request for you to automatically verify this account with no proof. I have done the footwork to protecting my rights and no company has been able to give me more information on these accounts which is currently preventing me from getting approved using my credit history.
Product: Vehicle loan or lease

My vehicle was repossessed on XX/XX/. I filed a complaint, through CFPB, regarding Ally Bank not providing me the information of opportunity to buy out my lease for my vehicle. Today, XX/XX/, I recieved a certified letter that the vehicle will go to auction " sometime '' after XX/XX/. Ally Bank has been given until XXXX XXXX XXXX  to respond to my first complaint filed through CFPB. It appears as though Ally has no intention of adhering to the XXXX XXXX XXXX  deadline. If they do, the vehicle could already be shipped to auction. 

Also, Ally Bank is required to provide me with the auction location and date that the vehicle will be auctioned. I have the right to bid on the vehicle and ensure that it is being sold at the appropriate value.
Product: Debt collection

On or around XX/XX/year>, XXXX XXXX XXXX, added a collection account to my credit file on behalf of XXXX. 

I have conducted no business with XXXX or XXXX XXXX XXXX. I do not use or have benefited from the use of XXXX XXXX. There has been no contract with this company and the residential address for this account does not belong to me. 

I have disputed the validity of this claim and neither company responded with verification of debt. Having a consumers name and date of birth is not a verification of debt. No name or contract was provided to me as asked. Per the FCRA, this alleged debt does not meet the requirements to be a collection account. This debt has been sold to XXXX XXXX XXXX and techniques used by this third party to collect is unethical.
Product: Credit reporting

In XXXX 2014, I payed off the entire balance and closed my account with XXXX. However since then, my ID insurance company regularly sends me copies of my credit report statement to review, as activity was detected on my financial identity database which informed me of. This activity was not the result of any recent financial undertakings on my part, but due to the transmission of erroneous information being sent to the credit reporting agencies on my credit report summary, of which, Equifax being the only agency to actually publish this erroneous information. Specifically, this erroneous information as transmitted by XXXX, portends that my account is still open and that I owe a balance of XXXX. I will attach supporting documents to confirm the validity of what I have written at a later date.
Product: Student loan

I am a cosigner on XXXX Sallie Mae/XXXX loans and have been in dispute with them for about 2 years. I will be brief. 
Payments were made during the student 's college years equal to or greater than the amount of the monthly interest so that principal would remain at v\borrowed amount. 
After XXXX, wehn the repayment period began monthly invoices began to come stating " Amount Due '' and whatever the figure was - and " Minimum Due '' as XXXX. I called literally dozens of times asking how minimum due could be XXXX and never got a consistent answer. Scripted call center workers could not answer even the most basic loan servicing questions. 
At some point I escelated this inquiry to a manager who explained that all of the payments I made over the years were put to " Pay Ahead '', an option that allowed the student more flexibility after XXXX. I explained that is was my understanding that this was paramount to escrowing my monies, which had never been disclosed. If it had been escrowed, I was owed interest and that I wanted the payment history recalculated to show the payments applied correctly against accrued interest and any overages should have been applied to principal. 
After 18 frustrating months and countless phone calls they have finally sent me XXXX pages of history. Keep in mind they had promised this paperwork at least 10 times before it actually happened. They had not really taken me seriously until I explained I had sought legal counsel and that my attorney needed these papers for forensic accounting. 
My daughter and I have paid for numerous 90 day forbearance periods while I try to sort all of this out. 
I am looking the CFPB for some help.
Product: Credit card

Wells Fargo received a {$300.00} payment towards an existing credit card account on XXXX/XXXX/16 and then misplaced the funds. They did not credit my account and subsequently charged me a late fee and additional interest on the the account. I have confirmed with my paying bank that the funds were received by Wells Fargo and they refuse to credit my account the funds received. I have contacted them three times by phone and I continually get no resolution. This is theft my my funds.
Product: Credit reporting or other personal consumer reports

This is now my THIRD time mailing you about some unverifiable inquiries on my credit report. To recap what I have done so far : I have contacted the creditors directly ( multiple times ), and all have failed to provide ANY form of verification, authorization, or proof of permissible purpose 2. I have contacted XXXX multiple times informing you of this, and you too have failed to verify these inquiries XX/XX/XXXX XX/XX/XXXX Both from XXXX  XXXX and only being reported through XXXX and on none of my other reports. Which is also inaccurate.
Product: Credit reporting or other personal consumer reports

This is my 2nd attempt to get this matter resolved. I've submitted my previous letter to 3 credit bureaus with the CFPB. I have no clue what in the world the credit bureaus trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with by them. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to delete the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items be removed from my report 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I trust this letter reaches you promptly. I am writing to reiterate my deep concern and frustration regarding the delayed opening of my accounts. Despite my initial complaint the issue remains unresolved, causing significant inconvenience and distress. 

I understand that unforeseen circumstances can lead to delays in processing, but the prolonged nature of this situation is impacting my financial plans and causing undue stress. 

I am making a second attempt to request the following actions be taken urgently : Expedite the process of opening my accounts and ensure their activation at the earliest convenience. 

Improve communication regarding the status of the account opening. I request real-time updates on the progress made and the expected timeline for completion. 

Given the extended delay and the inconvenience caused, I kindly request that you consider appropriate compensation or accommodations for the stress and financial disruption experienced. 

I emphasize the urgency of resolving this matter promptly. Your institution 's commitment to customer satisfaction is crucial in maintaining a positive customer-business relationship. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX XXXX Balance : {$35000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I advise the Company that I did not apply nor Sign with my handwriting Signature Consenting For Sesvices with them.I also advise I do not know how they got access to my informationbecause my XXXX account should be frozen. 

I am attaching screen shots of my XXXX  and XXXX report. Per XXXX you will see if is showing 2 hard inquiries. Per XXXX  you will see 1.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA credit bureaus are required by law to remove any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Reference # : XXXX Date Liability : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX ) XXXX Balance : {$760.00}.
Product: Credit card or prepaid card

My bank, sent an approved loan check of {$3600.00} on XX/XX/22 to fulfil the remaining balance owed to Banana Republic to close my account permanently. Banana Republic 's affiliated financial banking institution have claimed to me that they have not received the check. Both financial institution associated with Banana Republic, Barclays and XXXX XXXX have said they have no record of the check. Not making any effort to help outside of opening a dispute ticket. My bank has confirmed the check was received and deposited. 
I have since followed up with copies of the check and letters from my bank sent via mail and faxes confirming all information and still have not gotten my account balance resolved/closed.
Product: Debt collection

I was contacted by an employee of Spring Oaks Capital via telephone in regards to a debt I am unaware of. I sent the company a XXXX page request for a validation of debt as well as an email to the customer service department given to me requesting information and validation of debt. 

This debt validation request was sent XX/XX/year> via email and sent certified mail by way of the United States XXXX XXXX on XX/XX/year>. I received a return receipt which is attached in this complaint. A company representative signed for this document attached on XX/XX/year>. 

At no time whatsoever did Spring Oaks Capital reply to my request instead my request was ignored and a collection account was reported on my consumer file. I have not received anything by way of telephone, email or physical mail. 

Spring Oaks Capital violated my rights. I have never had any knowledge or and account with the institution noted on my consumer file. 

Even after receiving the email on XX/XX/year> and physically on XX/XX/year> Spring Oaks Capital clearly must be in belief that they are above Federal Law.
Product: Credit reporting or other personal consumer reports

I kindly urge you to remove these fraudulent accounts from my credit report, as I neither initiated them nor was aware of their existence. According to USC 1681g, I am requesting their deletion within 15 days. Supporting documents have been provided.
Product: Credit reporting or other personal consumer reports

This account was closed in XXXX Ive attached the correct dates below, the creditor keeps popping up as if I am making payments as recent as XXXX. When I havent had the vehicle since XXXX.
Product: Credit reporting or other personal consumer reports

I am disputing a charge-off on my account that remains inaccurate, despite my previous attempts to resolve it with the creditor. I have provided documentation and evidence to support my dispute, but the charge-off has not been corrected. This inaccuracy is negatively affecting my credit report and financial standing, and I am seeking assistance from the CFPB to ensure that the creditor accurately reflects the status of the account.
Product: Credit card or prepaid card

I maxed out my capital one credit card. And paid It all off the next day in full. They posted them accepted payment. Took it of my bank. Then 2 weeks later they said it was a returned payment. But never gave back my money. And closed my account and reported it on my credit
Product: Debt collection

I C SYSTEMS threatened to hurt my credit, the amount is not verifiable, and they will not work with me on any part of this matter, nor give me any information. Terrible service and confusion tactics to bully me to pay them. They put this unknown debt collection on my credit on XX/XX/XXXX for the amount of {$1700.00}. They report negatively on my credit reports ( all 3 reports ) each month, and the last time they reported was on XX/XX/XXXX. I have no idea who this debt collector is and I have no knowledge of the debt. They harass me and have made my credit scores all decrease heavily.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.
Product: Mortgage

Wells Fargo held my mortgage loan for about 10 years, prior to transferring it inXX/XX/2019.. In addition to all of the typical mortgage and foreclosure law violations, ( resulting in numerous class action suits that Wells Fargo is defendant in ) Wells Fargo also continued to call me with its robo-dialers after multiple verbal and written revocations of consent on my part. This is a violation of the TCPA ( Telephone Consumer Protection Act ), which award 's victims {$500.00} - {$1500.00} per call. Wells Fargo then transferred my home mortgage loan to Specialized Loan Servicing in XX/XX/2019 and provided Specialized Loan Servicing my phone # s to also begin contacting me via robo-dialer. They also provided incorrect information to Specialized Loan Servicing regarding the balance and fees on my loan. 

Now that I am filing suit against Wells Fargo, they are denying that they held a mortgage on my home and are denying that they ever contacted me. 
I am moving forward with a TCPA lawsuit against Wells Fargo in the state of Michigan, and will be filing additional claim against Wells Fargo under RESPA ( Real Estate Settlement Procedures Act ) law. 

If you are a victim of Wells Fargo, consult a consumer rights attorney in your area, and ask about seeking damages under TCPA and RESPA law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit card or prepaid card

I have been trying to resolve a fraudulent cash advance transfer with Bank of America since XX/XX/2021. They have neither resolved the matter, nor provided me any rational explanation regarding their investigation. They have been intentionally difficult to get answers, or assistance. I have attached a detail timeline with what I have been experiencing.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM A VICTIM OF IDENTITY THEFT I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERLA AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I discovered an account with XXXX XXXX XXXX listed on my credit report with a balance of {$1300.00}. This account is inaccurate and does not belong to me. I immediately contacted XXXX XXXX XXXX to dispute this erroneous collection. Despite my efforts, including submitting a formal dispute and providing supporting documentation, the company has failed to remove the incorrect information. This negative entry is unjustly impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported my mortgage late thirty ( 30 ) days. I have never been late since XXXX XXXX obtained my mortgage on XX/XX/2021. After my initial payment in XX/XX/2021, I usually pay my mortgage a few days before the XXXX of the month.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the following accounts : XXXX. ) XXXX XXXX XXXXAccount Number:XXXX ; XXXX. ) XXXX XXXX XXXXAccount Number : XXXX ;
Product: Credit card

I ensure my payments are always made on time. Yet, I'm baffled by the sporadic instances where this company reports late payments, contradicting my meticulous record-keeping. USC 1666b mandates swift correction of billing errors and accurate payment documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditech a debt collector destroyed my credit score by the way they report delinquent sewer bills. I have one sewer bill for the last thirty years that I make payments on. On my credit report the debt collector reports separate accounts for each year. I looks as though I have never paid anything on three separate accounts. They are destroying my credit. the dates are XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ... credit report is showing four separate accounts as delinquent. Today XX/XX/XXXX I spoke to Creditech representative to complain ... number one this is a tax that is not subject to credit report. number two I have been paying XXXX a month on one account ... ... for a property at XXXX XXXX, XXXX XXXX, PA not 4 separate accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to make report that someone has opened Credit cards and utilities bills in my name without my permission. I was in the process of buying a home when my credit report came back there was accounts that I didn't recognize a XXXX XXXX #  XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX . 
I never had any documentations of contracts for services with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This medical debt collection was deleted then allow to be reinserted on my credit file again. This is not my medical debt i never received proper notice of reinsertion of this debt or any other updated information. I have disputed written in and informed both credit bureaus and collector this is not my debt my information fraudulent used. I file multiple reports.