23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a loan with Goodleap LLC ( formerly Loanpal ) for solar panels on my house. I was terminated from my job in XX/XX/2023, and have been unable to make payments. I have explained the situation to them, given them the contact information of my Wife ( also responsible for the loan by AZ law ), and have requested for them to come collect the solar panels from my house, but they have not responded to those requests. I have made enough payments that the electrical panel upgrade has been paid for ( required for the solar panel installation ), but not enough for the solar panels themselves. 

They contacted my brother, whose contact information I did not give to them. They call, send emails, text messages, daily regarding the loan. Some of the emails have threats of legal action and damage to my credit in the subject line. 

They had sent an email regarding a program that I could use to bring my account up to date for {$70.00}. I paid the {$70.00} on a different email chain which meant that I didnt agree to the program beforehand and therefore didnt receive the benefits.
Product: Debt collection

XX/XX/XXXX, I received letter stating I owed nearly {$4000.00} for a {$300.00} ( XX/XX/XXXX ) boat repair. Repair was not done correctly and bill included items and hours beyond what was agreed upon. Cost of parts and labor were falsely stated. Collection Letter gave no information as required about dispute process, time frames, etc. No accompanying information on alleged debt and debt was stated due in XXXX of XXXX. 

XX/XX/XXXX, I disputed debt to Collection agency asking for documentation and verification of alleged debt be mailed and no contact with me. I learned from XXXX XXXX the debt was referred to credit bureaus on XX/XX/XXXX. 

Owner of collection agency called me on XX/XX/XXXX, when I requested no contact. 

XX/XX/XXXX Collection agencies advised all 3 credit reporting agencies they had validated the debt and met requirements of FCRA. 

XX/XX/XXXX I received notification from my XXXX XXXX subscription that collection agency had reported a second month past due. 

I do not owe this sum. The boat mechanic has come to my home and frightened me, and my boat sank a short time later.
Product: Debt collection

My Identity was stolen I provided all documentation so the Debt Collector will remove the debt, waiting on response.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I submitted a complaint through Cfbp 's portal alerting EQUIFAX of the FRAUDulent items on my credit report and also attached proof of IDENITY in the complaint. It's now been over 33 days and equifax hasn't deleted all of the unverified, incomplete, inaccurate, or fraudulent items even though by law under 15 U.S. Code 1681c- they should have blocked this information in 4 days. I have done everything equifax has asked now I'm requesting an equifax employee sign a letter under penalty and perjury that the accounts in question are mine. This is defamation of my character. I'm stressed so bad. Please block this information. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

Please see the attached letter sent to SPS. 
Another notation is they never provide any specific written requests for information - it is always phone calls from different individuals. Makes us feel like they are shady!
Product: Credit card

I received a Capital One Business Credit Card that was suppose to be reported only on my business credit reports but to my surprise I was notified by XXXX that the Business card was being reported on my personal credit reports. This is a violation of the FCRA, FCBA and FDCPA. I called an spoke to a Rep. Name XXXX out of XXXX Florida and he said they are required to report it on the personal and business credit and I advised him that I was told that it would only be reported on my business credit report and only on my personal credit report if the business defaults on the credit card.
Product: Checking or savings account

I had opened a Citi priority checking and savings account on citi 's website following a promotion link where it was stated that if I open the Citi priority account and maintain a combined balance of {$50000.00} in both of my accounts for 60 days, I will receive a cash bonus of {$700.00}. 

I followed all the terms and conditions of the account and maintained the required balance however Citi is now refusing to honour the cash bonus of {$700.00}. 

After opening my account, I followed up with their customer service to confirm that if I have met all the criteria for the bonus and they did confirm that I have met the criteria and I should receive my bonus by XXXX XX/XX/XXXX. I have screenshots of my chat conversation to prove the same. 

I have contacted Citi bank customer service via chat and phone calls several times since then and every time they tell me different things. They rejected my first dispute stating that there was no promotional code attached to my account. The second dispute was rejected stating that the promotional code I had provided to them ( which was the code given to me by their own customer service rep over the phone ) is not valid. The third time, I was told that they will attach a new code to my account and I will get the bonus once the respective department reviews the code details. However, I have still not heard back from them. 

This has been ongoing for several months now and now Citi is telling me that I need to produce a letter stating that I opened the account under that promotion. Since I had opened the account through their online link, I do not have any specific document stating the promotion conditions. I have explained this to them several times but they have still not given me any satisfactory responce. 

Citi has held my funds of {$50000.00} since XX/XX/XXXX and after so many months they are now telling me that I am not eligible for the bonus. 

If this was the case, why didn't they tell me about that when I enquired with their customer service. I was being lied to by their customer service. 

Since I am not getting positive feedback from Citi, I am registering this company with your department hoping for a positive outcome. 

I will appreciate it if you can please help me in getting my bonus cash reward. 

If you need any other detail in order to process my complaint, please let me know. 

Many thanks XXXX XXXX
Product: Money transfer, virtual currency, or money service

I download an app to help me get access to my next check ( avtivehours ) The app inform me that my bank isnt cooperating with keeping my bank balance up to date. This needs to change immediately
Product: Debt collection

A debt collection agency reported an account which was credited to me to credit bureau without any contact with me prior to sending my name to credit bureau
Product: Mortgage

Bayview / XXXX XXXX XXXX XXXX XXXX are attempting to foreclosure with an assignment that is clearly fraudulent. The person signed after the cut of date of pooling and service agreement with SEC the alleged trust that is was placed in. The assignment was signed by a Lawyer that was actually the foreclosure Attorney in XX/XX/2010 he sign as President of XXXX. He was not the president of this company, therefore this assignment is tainted and fraud cant be the based of obtained a deed. I have also mailed s request for a loan modification and they havent responded. I also made calls and all had been to no avail.
Product: Debt collection

I've been contacted about a debt. I want to contact them directly, however, they have the wrong name on the account so I'm not sure if this is a scam. I'm afraid if I contact them, I will then give them the correct information, but it will only serve to legitimize a potential scam. I paid the debt many years ago but no longer have record of it. The debt servicer is someone I've never heard of, LVNV Funding LLC. The original debt is to XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I disputed a derogatory account on my credit report with Experian. The account had been paid in full, and the creditor had already requested deletion from the credit bureaus. Despite this, Experians dispute results on XX/XX/year> indicated that the account was " verified and updated '' instead of being deleted as requested. 

Their reasoning stated that the " dispute item is not in credit report, '' which is clearly inaccurate, as the account is still in my report and affecting my credit score. In fact, they updated the account balance instead of removing it, which contradicts their claim and continues to damage my credit. 

I am requesting assistance in having this derogatory account fully deleted from my credit report, as per the original creditor 's request.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and I am requesting that all accounts and inquiries listed below be blocked and deleted from my credit report, in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
The affected accounts are as follows : Bankruptcies : XXXX. Chapter XXXX Bankruptcy Case Number : XXXX Filing Date : XX/XX/XXXX Balance : {$0.00} XXXX. Chapter XXXX Bankruptcy Case Number : XXXX Filing Date : XX/XX/XXXX Balance : {$0.00} XXXX. Chapter XXXX Bankruptcy Case Number : XXXX Filing Date : XX/XX/XXXX Balance : {$0.00} Credit Accounts : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Multiple phone calls to the company about my finding of fraudulent activities. The first call the employee whom cause the issue just got an attitude say, quote " you don't call me that way ''. I informed her that I found the fraudulent activities and received SMS text, that an account was approved at XXXX XXXX  ( none business hours ). Same day I call the parent company spoke with customer support and after hear the gasp and moment silence once the lady pulled up everything from my under my name she then tried distancing the company from my local one and stating they don't have the access and authority to do anything I ask which was getting informationabout any and every account. 2nd call was with a manager, she tried to lie about how this work. same day I received a call from a male who claim to be the parent company and he tried saying the same as the manager. The third call was today, it was the local store manager seem very cherry and happy basically puttingon a front cause I just missed her call and call right back she was trying to get information on what steps I'm taking so I played along and baited her right into my trap. That when I discovered the locked me out my account and I informed her I knew she claimed it's for my safety. Also their trying to clean up their mess but I already obtain all the information.
Product: Debt collection

FDCPA violations by Navient Corporation -- My complaint regards XXXX subsidiaries of Navient Corporation illegally contacting my sister in relation to an apparent debt collection. 

On XXXX XXXX, 2016, my sister received mail addressed to me and in the envelope window the following text was visible : " Please call General Revenue Corporation at XXXX. '' On XXXX XXXX, 2016, my sister received a voicemail from a representative of General Revenue Corporation requesting information about me. The aforementioned phone number was provided as their callback number. 

On XXXX XXXX, 2016, my sister received mail addressed to me and in the envelope window the following text was visible : " Please call Pioneer Credit Recovery , Inc. at ... '' General Revenue Corporation and Pioneer Credit Recovery , Inc. are both subsidiaries of Navient Corporation and they share the same mailing address. 

I have never given Navient Corporation consent to communicate with third parties. I have never lived at my sister 's address, I have never provided anyone my sister 's address as my own address, and my sister and I have never shared the same address as adults. 

This mail violates XXXX U.S.C. 1692b by communicating with a third party more than once and by using language disclosing to a third party that it 's a debt collection business. 

It also violates 15 U.S.C. 1692c by communicating with a third party without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has NOT provided me with ANY INVESTIGATION RESULT regarding complaint ID XXXX of XX/XX/2022. It is now over 30 days and I still DO NOT KNOW what their investigation result is. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it has 30 days to investigate disputes. If it can not verify the information within the 30 day time period, it must delete all of the disputed accounts from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 two affidavits were sent to Experian. 

In these affidavits, a dispute stating only facts were sent to be answered or corrected. 

USPS Certifed mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Recieved XX/XX/2019 ***attached copies of affidavits*** Experian has sent a none affidavit letter saying it would not investigate. This isnt really my problem. I am sending this complaint as intent to sue Experian when the 30 days are up from the date these affidavits were recieved. Even though this is a FCRA violation of non compliance. Experian was told about missing incomplete information. Experian choose not to investigate. This is willful non compliance. 

*** letter will be attached*** Regardless of what Experian has sent, they are not in default until XX/XX/ 2019 and this complaint serves as my intent to sue if corrections are not made by the default date. Any and all actions by Experian are being documented and can and will be used against them in court.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items in there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Accounts : XXXX. XXXX XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX XXXX XXXX  XXXX, XXXX- This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX XXXX XXXX, XXXX- This account is being reported inaccurately, please remove this from my credit report immediately. 

inquiries : XXXX. XXXX XXXXXXXX XXXX XXXX, DATE : XX/XX/XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 

XXXX. XXXX XXXX XXXX, DATE : XX/XX/XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 

XXXX. XXXX XXXX DATE : XX/XX/XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 

XXXX. XXXX XXXX XXXX, XX/XX/XXXX - This inquiry was not authorized, please remove it from my credit report immediately.
Product: Checking or savings account

Hello, On XX/XX/XXXX, {$110.00} was debited from account twice. There where funds available in my account for these transactions to clear. However on XX/XX/XXXX, I received {$100.00} in over draw fees. I was told that posting items were redistributed which caused me additional fees. 

I was told that because of this, this is why I was charged. Debiting my account for the transaction and redistributing transactions is what to me appears if the bank is just trying to make an additionally {$100.00} in fees. What makes this even harder is there are 3 other accounts that belong to me where the funds were in. I also was told that only with Savings accounts does Chase debit the funds from the account to cover transactions. I spoke with XXXX who was a supervisor. 

Lastly, on XX/XX/XXXX, I was contacted by Chase because of a dispute with XXXX. The transaction was for {$54.00}, which was an error and the merchant only wanted to give me a fandago credit and I would still be charged a {$7.00}. I contacted Chase with this issue. Chase is now asking for proof that I was charged on another credit card. The issue is that was not my credit card, and the individual who the movie tickets were made with will not give me their credit card statements. Additionally, I contacted XXXX again, for a refund and was told that they will not issue anything because I informed them I would dispute the charges. I have been a loyal Chase customer for over 20 years and the relationship now has gotten bad.
Product: Credit card

My cc was stolen and persons made charges on my account, reported the stolen card and requested a new one a put a claim on the charges, I was told they dud an investigation and I made the charges, these cc companies nowadays are just not investigating the charges period, our the card was literally stolen and charges were made online during the time I explained I didn't have the card in my possession and it was used, they closed the account and put on my credit report and expect me to pay for a fraudulent actions, mindful I always paid my bill on time and I'm trying to build credit, when I asked for a copy of the report they supposedly did they wouldn't send it, these cc companies are robbing people blind this is the aspire credit card company
Product: Debt collection

On Monday the XXXX I sent MRS a dispute. Disputing the charges they claim to be trying to collect of {$2800.00} cents. And asked that they stopped calling me and emailing me until they mail a letter showing proof that I, XXXX XXXX XXXX, owe the debt that they claim I owe. Doing so I asked them to stop trying to collect, as well as to not report said debt to the credit agency 's as I do not own said debt. If they were to keep emailing and calling me, which they have been doing while I am at work. That they would be in violation of FDCPA. 
Today XX/XX/2022, they called me again to collect this debt, that has been disputed formally. I am requesting all debt collection to top and the debt that I'm being accused of owing, to be terminated from my record all together. As they are now in violation of FDCPA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute of Inaccurate Bankruptcy Closed Dates To Whom It May Concern, I am writing to dispute inaccurate information regarding bankruptcy closed dates listed on my credit report. Below are the details of the inaccuracies : 1. **Reference Number : XXXX - Reported Closed Date : XX/XX/XXXX - Actual Closed Date ( per bankruptcy court documentation ) : XX/XX/XXXX XXXX. **Reference Number : XXXX - Reported Closed Date : XX/XX/XXXX - Actual Closed Date ( per bankruptcy court documentation ) : XX/XX/XXXX The closed dates listed on my credit report for the above-mentioned accounts do not match the dates provided in the official documentation I received from the bankruptcy court. I have attached copies of the documents from the bankruptcy court that clearly state the correct closed dates for these accounts. 

The inaccurate reporting of this information is a violation of the Fair Credit Reporting Act ( FCRA ), particularly Sections 605 and 611, which mandate the accuracy of information provided in consumer credit reports. Due to the incorrect reporting, I request that XXXX promptly correct these inaccuracies and **delete these items from my credit report immediately**. 

Please confirm receipt of this letter and inform me of the actions taken to correct these errors and remove these items from my credit report. I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accounts and inquiries listed on my consumer credit report, as referenced below, as they appear to result from a data breach, fraud, or unauthorized activity. I am requesting verifiable proof, including documentation bearing my signature or electronic signature, to validate these claims. This letter is being submitted directly by me and not through a third party, so I respectfully ask that you review it carefully. 

These actions were not authorized by me and violate my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, FCRA Section 605B [ 15 U.S.C. 1681c-2 ] requires the blocking of information resulting from identity theft or fraud, and FCRA Section 604 [ 15 U.S.C. 1681b ] governs the permissible purposes for accessing consumer reports. 

I have already contacted the companies involved and confirmed that these actions were carried out without proper validation or the necessary supporting documentation. Therefore, these accounts and inquiries are inaccurate and appear to stem from either a data breach or the unlawful reporting of my consumer information by creditors or third-party data furnishers.