23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have disputed this account a few times with each credit bureau and each time they all reply within a credit report stating that this account with XXXX XXXX has been verified as accurate and updated. 
Debt Validation Request under 15 U.S.C. 1692g ( FDCPA ) Verification Request : Under my rights under 15 U.S.C. 1692g, I am requesting that you provide the following information : 1. The Amount of the Debt : A detailed accounting of the debt, including the principal, interest, fees, and any other charges that have been applied.

2. The Name of the Creditor to Whom the Debt is Currently Owed : Including the name and address of the original creditor if different from the current creditor.

3. Verification of the Debt : A copy of the judgment ( if applicable ) or other documents showing that I am indeed legally obligated to pay this debt.

4. Proof of Your Legal Right to Collect the Debt : Documentation that you are authorized to collect this debt on behalf of the creditor.

5. Complete Payment History : Showing how the amount claimed was calculated and all transactions related to the debt.

According to the Fair Credit Reporting Act ( FCRA ), specifically sections 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), and 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), information furnished to consumer reporting agencies must be accurate and complete. A charge-off should not be reported each month as a new charge-off ; instead, the status should reflect the original charge-off date and not be reported repeatedly as if it were a new event.

The actions being taken each month affect my credit score, credit report, and creditworthiness.
Product: Payday loan, title loan, or personal loan

I was approached at my home by a Solar Company 's salesman. He had me talked into installing solar panels on my home. Not including the unprofessionalism about the solar company, but I never had the work done. Never started the work, nor completed. Did not hear from the company for over 2 months. Meanwhile I decided not to have them do any work on my house. My complaint is about the loan company that a loan was taken out in my name and paid to the solar company. The loan company is called Mosaic. They have started sending me bills, and my statement. A loan in the amount of {$37000.00}. XXXX XXXX XXXX XXXX XXXX dollars. This company paid this solar company before confirming with me that I even wanted this done. They also never got verification that the job was even complete before sending them any money, let alone verifying that they even started the work. Which they did not. Absolutely no work was done by anybody from XXXX XXXX at, or on my house. Not only I was never informed by the salesman that he was applying for a loan in my name to pay his company. I have sent 3 correspondence emails to Mosaic wanting this loan closed, and removed from my record.and credit report. I have not received a response from them. The salesman finally responded and he said there must have been some glitch in the process. That I shouldn ' t have been charged. I am a XXXX XXXX and I am getting real tired of being blown off by mosaic. Nobody seems to ever have answers there. I am requesting an intervene by the Consumer financial protection bureau. A look into their company poicies, needs to pin point their practices, and how they pay out money to the contractors prior to any completed work done. I would like answers on how do they do that??????
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled up my XXXX  credit report and transunion report and it not reporting incorrect. and all my credit cards have been removed from XXXX  reporting and im missing five credit accounts on my XXXX  report and i contacted XXXX XXXX they refused to submit a documents to the credit bureaus and told me that i need to put it in writing which i refuse to do because i did it in the past and never got a response from them and there are no credit accounts are being reported on XXXX  XXXX didn't have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION DIDNT REPORT THIS XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

We contracted a company, XXXX, who was recommended by our insurance company to project manage our insurance claim. The company did not complete any of the work they had agreed to, did not get permits for any of the work before it began. We paid them over {$9000.00} and then started receiving collections notices in XXXX without ever receiving a bill from them and without them completing any work. We now have stop work orders on our home ( we had to hire our own contractors ) and the building inspector may require us to undo some of the work that is compete to ensure that it was done correctly. Today we received notification that a mechanical lean was placed on our house. I do not understand how the company can do these things without services being provided to us. I can not find a phone number to dispute this matter with the dept collection agency.
Product: Credit reporting or other personal consumer reports

- XXXX XXXX XXXX XXXX ( also referred to as " the person '' ) Inquired to Experian on XX/XX/2023 and again on XX/XX/2023 to obtain information on this Consumer to solicit for marketing purposes ; - This Consumer 's data profile indicated a pre-approved offer " up to XXXX '' for the Cash Rewards MasterCard was warranted ; - The marketed offer of XXXX was accepted by this Consumer on or about XX/XX/2023 and a Hard Inquiry limited to Experian was granted and made by XXXX XXXX XXXX XXXX XX/XX/2023 ; - After the inquiry, the person did in fact defraud this Consumer by claiming the offer was now XXXX ; - Further investigation revealed the first false representations with the intent to defraud was found in very fine print on the reverse side of the solication offer where it did in fact state " You are pre-approved for an XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX a limit of at least {$300.00} '' ; - The person intentionally made the actual initial offering amount unclear and inconspicuous ; - Was the offerred amount XXXX or {$300.00} because the XXXX was highlighted front-and-center while the {$300.00} was hidden ; - Next supporting FACT as displayed on their website was the Welcome Offer or the then current 'Bonus Reward ' stated " {$150.00} Bonus Reward when you spend {$1500.00} in the first 90 days*** '' - Thus accepting this new lower unfavorable offer would potentially lower this Consumer 's prime credit score to subprime because using this card would cause high utilization under the FICO 8 scoring model used by the consumer reporting agency used to verify this consumer 's credit risk and/or worthiness ; - Subprime scores triggers higher interest rates which increases the person profit ( s ) - The person obtained this consumer 's consumer report under false pretenses through intentional misrepresentation to lure this Consumer into a Predatory Credit Card 'credit line ' and then proceeded to perform Credit Discrimination to justified the change in the pre-approved offer amount ; American Heritage Credit Union has violated Section 619 of the Fair Credit Reporting Act 15 U.S.C. 1681q Obtaining information from Consumer Reporting Agency under false pretenses with the intent to defraud this Consumer.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX XXXX XXXXr. placed a inquiry on my credit report and I did not apply for credit from XXXX ever! 

On XX/XX/year> XXXXXXXX XXXXXXXX XXXX placed a inquiry on my credit report and I did not apply for credit from XXXXXXXX  before . 

On XX/XX/year> JPMCB CARD placed a inquiry on my credit report and I did not apply for credit from JPMCB CARD before. 

On XX/XX/year> JPMCB CARD, placed a inquiry on my credit report and I did not apply for credit from JPMCB CARD before.
Product: Credit reporting or other personal consumer reports

Please see attached complaint. Proper identification and relevant information pertaining to my dispute pursuant to the FCRA is attached as well.
Product: Credit card

I was sent an email from XXXX XXXX/Citibank for a new credit card with XXXX bous miles after spending {$3000.00} in three months. I exceeded the spending threshold but did not receive the miles. I spoke with Citibank - they claimed that they had no evidence that I signed up for this promotion and refused to grant the miles. They asked for documentation that I was offered this promotion, but I have long since thrown away the envelope. I am frustrated with what seems like fraudulent advertising.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to Nationstar Dba Mrcoo XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Nationstars customer service representative.
Product: Credit reporting or other personal consumer reports

i was reviewing my Experian credit report and noticed some inaccurate information regarding my payment information on acct # XXXX with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to the 3 Credit Bureaus was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

When I sent a copy of the FTC report, it was made clear that credit bureaus are not impeding records. I am forwarding this Complaint to assist in laying out a lawful response, as required by FCRA regulation 605b. If you do not stop the fraudulent activities listed below, I will pass over my records to my lawyer to initiate legal action. It is my intention not to pursue any legitimate activity, so if it is not too much trouble, follow the law. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 Balance Owed : {$5500.00} XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXX XXXX XXXX Balance Owed : {$140.00} XXXX  XXXX XXXX Balance Owed : {$180.00} XXXX  XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXXXXXX 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/year>
Product: Debt collection

XXXX XXXX bought from PayPal years ago I guess is trying to get money an just sued an put a judgement on me in which Ive never opened an account in XXXX of XXXX for PayPal an Ive told XXXX XXXX states that they sent letters to me but I never got anything in the mail from this company I didnt XXXX  anything about this account being opened until the end of XX/XX/XXXX when a guy showed up an gave me a paper. Ive tried numerous times to talk to these people but I get nowhere plus when they did finally send me the charges from a lawyer which was Saturday XX/XX/XXXX I dont recognize anything on those papers but yet its showing small amounts here an there on a few occasions that payments came from my checking account using my credit card in which that credit card was hacked into this is someone elses doing I even tried to login to PayPal Ive XXXX PayPal XXXX they told me I have never had an account with them an I never had I really dont no what to do an now theres charges an a lot of interest that has been added along with XXXX  my credit. I was told if I dont have proof from these XXXX  lawyers then I cant prove anything an Ill have to pay everything an then some thing is is I dont have any proof to help at all.
Product: Student loan

i was told my only option was to go into forbearance from XXXX.
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 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 ) ( a ) 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. I request the not authorized hard inquiries below : agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 REQUESTED THE REMOVAL OF THESE INACCURATE ACCOUNTS FROM MY CREDIT REPORT BECAUSE I CAN STILL SEE THEM ON MINE EVEN THOUGH I HAVE NO ANY KNOWLEDGE REGARDING THOSE INACCURATE ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX 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: Debt collection

Back in XXXX of XXXX  I have reported a lost/stolen card and fraud activities on my XXXX credit card with XXXX. Even though I provided them all the proof that at the time of fraud activities I was not physically present in the country. I was out of country the whole time my card was used. XXXX have denied my claim. I refused to pay for something which I did not authorized. This is my Right not to pay if I did not make purchases. Now XXXX have sent the whole amount to collection and the collection company name is DNF ASSOCIATES, they are keep sending me emails, non stop phone calls. 

I am attaching my proofs again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A Auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX Account number XXXX an credit card opened at at XXXX XXXX on XX/XX/XXXX Account number XXXX an credit card Opened at XXXX XXXX on XX/XX/XXXX Account number XXXX an mobile phone account Opened at XXXX XXXX Original Creditor XXXX XXXX XXXX  on XX/XX/XXXX Account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I just recently looked at my Equifax credit report XX/XX/XXXX. I saw some hard inquires that did not have permissible purpose. i also attached evidence. 

XXXX XXXX XXXX - XX/XX/XXXX : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX XXXX XXXX - XX/XX/XXXX : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B
Product: Credit reporting

In 2016, I suddenly received noticed that my Experian account had decreased by XXXX points. On my report, I noticed that Experian reported a delinquent payment from XXXX of my XXXX accounts, but neither XXXX nor XXXX had. When I called XXXX, they said that there should be no payments reported as delinquent, since they were reporting all payments as on-time. I then called Experian, and they told me even *they* could n't find any record of a delinquent XXXX payment. And, yet, in my credit report, they continue to list a recent delinquent payment. 

Experian 's account representative acknowledged the error, and could not find an explanation. I submitted a ticket to Experian 's engineering team, per their recommendation, and have only gotten a response that they 're working on it. Four and a half months have passed, and my Experian score continues to be at least XXXX points lower than my XXXX score and XXXX points lower than my XXXX score. 

No one -- not Experian, not the credit repair agency I contracted to deal with the problem -- can seem to figure out what 's going on. And, yet, my credit score continues to suffer because of this mysterious reporting error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting on a debt I do not know. I did not know this debt was on my credit report. I didn't receive any letters or any communication from XXXX. However, as soon as I found out i immediately paid the debt. I believe this is a violation of my 30 day right to dispute. I did not get a chance to be able to dispute this debt or settle with them before it was put on my credit report for lack of communication from them.
Product: Debt collection

I hope this letter finds you well. I am writing to express my gratitude for your prompt attention to my previous inquiry regarding the late payments on my accounts. I am pleased to acknowledge that the late payment entries have been corrected, and I want to thank you for your diligence in resolving this matter. Your swift action in rectifying the reporting errors is greatly appreciated. I understand the importance of accurate credit reporting, and I am relieved that my credit history now reflects the correct information. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  a customer service representative . Once again, thank you for your prompt and effective resolution of this matter. I appreciate your professionalism and commitment to customer satisfaction.
Product: Checking or savings account

Hi CFPB, XXXX XXXX XXXX XXXX, my card was charged by a company in XXXX, but i have been back to XXXX for over XXXX years, i will attach my XXXX XXXX history in attachment. It is absolutely a fraud activity. But the wells fargo refund me for XXXX transaction but not the other one. I don't know why understand. 

The XXXX transactions happened in the same day in XXXX minutes. And i tried to make a phone call, the representative did not provide the reason, but kept saying it is the XXXX department final decision, when i asked to transfer me to fraud department, she just refused and hang up my phone, i have been waiting for over an hour to talk to them. 

I am not satisfied about everything of Wells Fargo bank. The service is bad, representative is not responsible. 

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

I sent a request via certified mail : I am requesting the removal of a bankruptcy ( below ) on my credit report due to Civil Case No. XXXX XXXX, XXXX XXXX, XXXX XXXX, v. XXXX XXXX XXXX XXXX XXXX , I did not know the source of their information on those judgments and bankruptcies and due to this, XXXX, TransUnion and XXXX has violated the Fair Credit Reporting Act ( FCRA ). Please remove these judgments and bankruptcies as soon as possible. Bankruptcy Ref. # XXXX Since this is a request and not a dispute, I would like to receive confirmation that all judgments and bankruptcies listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated. My request have been ignored and unfulfilled and not validated : XXXX has the phone # XXXX listed ( which is a recording stating " You have reached a none working number. '' as a source of validation on the XXXX report. I have tried to speak to Dispute dept Reps from XXXX  only to be told that they use a 3rd party to validate the Bankruptcy, but did not know the name of the 3rd party company that XXXX uses so they could not help me or remove it from my report.
Product: Credit reporting or other personal consumer reports

The inaccurate items on my credit report are currently involved in pending litigation due to reporting errors. As a result of this ongoing legal process, these items can not be verified. 
Under 15 U.S. Code 1681i ( a ), unverifiable information must be removed from credit reports.
Product: Debt collection

Received XXXX letters from XXXX XXXXXXXX XXXX XXXX saying I am seriously delinquent on a loan taken out in XX/XX/2022 from Speedy Cash. I don't know anything about this company nor have I borrowed money from them. 
Company is Speedy Cash. Amount they say I owe is {$410.00}. 
XXXX  XXXX XXXX XXXX File # : XXXX I called XXXX XXXX Collection and they identified the claim by Speedy Cash and put a flag on it pending notification from you. Their Phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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.