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

I had a sales representative come from XXXX XXXX offering me solar panels, landscaping and a payout. The representative first told me that I would be waived three months of payment for the loan which was not true, the first payment was due the month after work began. The panels took months to be turned on only to not work from time to time. Part of the selling package was " you will not have an electric bill '', well turns out I am paying the same amount for my electric bill as before. The panels were not working and have produced little to if any power. After persistant calls to XXXXXXXX XXXX with no response, filed with the XXXX  and a complaint with the Texas State Attorney. I kept attempting to reach out to XXXX with no response. Finally called GoodLeap and they informed that the company was out of business. I informed them that I had defective workmanship both on the panels and the landscaping was not even 50 % done. Goodleap said they were not liable for anything done, all they cared about was installation and the equipment. Upon speaking with 24 other goodleap clients it comes to my attention that every single one of the solar companies they were working with have " gone out of business '', leaving solar panels that do not work or produce energy efficently without a resource to help remediate the situation. Goodleap instructed us that we would have to reach out to a new certified installer and the work they did would be out of our own pocket. I think this is issue should be investigated because it seems to me as Goodleap knows these companies are fraudlent companies but still provides financing for these companies knowing that they will still receive payments and can claim no liability with what happens afterwards. I have spoken to multiple people in two different states that got XXXXXXXX XXXX financed through GoodLeap and are facing the similar situaton of panels not producing so they are left with the loan payments AND an electric bill because of installation of faulty panels. Goodleap know 's exactly what they are doing as a company giving out financing to fly by night companies who come and go by the week but leave clients with huge loan payments that are liened to the house. I spoke to a couple in Nevada that were in their XXXX 's with a {$92000.00} loan that is putting them overwater in debt obligations where they may have to sell the house ( that is paid off ) because they can not afford both the electric bill and solar panel loan with their retirment income. Like I said previously I have spoken to 24 other people in similar situations so I can only imagine how widespread this issue is.
Product: Credit reporting or other personal consumer reports

I have recently submitted multiple disputes the most recent one with tracking number of XXXX XXXX XXXX XXXX XXXX XXXX and I show it arrived XXXX. This dispute has never been opened and this is not the first time this company has ignored my requests to dispute inaccurate information on my credit report. On at least XXXX different occasions this company has done this to my disputes and refuses to opens them and proceeds to violate my rights. I provided with the disputes a photo id and proof of utility bill there is no reason that they should continue to be closing my disputes without investigating them with the companys. What they are doing is doing is illegal and they continue to engage in this illegal activity over and over again. I am simply asking for the inaccurate items on my report to be disputed and investigated properly.
Product: Debt collection

This company is reporting inaccurate information on my credit report this debt is not mine. I never received anything in writing proving ownership of this debt .And I have never signed any contract with this company. I believe this account is a result of identity theft because the other credit agencies have already removed this fraudulent account from my credit profile. This company has already removed this information on a separate occasion now they are reporting it back on my credit profile. The information they are reporting is inaccurate and unfair. It states I opened an account with them XX/XX/21 I never opened an account with this company and this is a violation of federal law 15 U.S code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting. ( 1 ) ( The banking system is dependent upon fair and accurate credit reporting ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent - faxed and mailed a copy of my DL, proof of address numerous times and Equifax has not updated my address or employer. It has been over 30 days. In addition, I faxed, mailed a copy of my bankruptcy discharge paperwork and they refuse to report the bk on my credit report. This has been the worst company to deal with. I just received an email that my dispute results are complete, using the 10 digit confirmation # it is all of a sudden saying my information does not match their records and will not allow me to view my results. This is a failed attempt on their part to meet the 30 day requirement but not update the information.
Product: Debt collection

I, XXXX XXXX, Consumer, HEREBY ORDER Delta Management Associates Inc, to CEASE AND DESIST all communication through any medium directly or indirectly. This is my first and last warning, anything after this I will file a lawsuit in Federal District Court with Prejudice! XXXX XXXX ALL RIGHTS RESERVERED UCC 1-308
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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXXXXXX 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

This a request to have the following accounts removed in accordance to FCRA section 605 B. It is illegal to report any information on my credit report without my permission. I am a victim of identity theft and these accounts were opened fraudulently. Below are the account mentioned : XXXX XXXX XXXX account number XXXX in the amount of {$750.00} XXXX XXXX XXXX XXXX account XXXX in the amount of {$6200.00} XXXX XXXX XXXX account number XXXX in the amount of {$17000.00}
Product: Debt collection

On XXXX XXXX I received a phone call from a unknown number. I waited to hear the voicemail to see who it was. Not even 15 minutes has gone by and my mom, dad, sister and my brother in law all texted me saying the same number called them leaving a voicemail. I called the number back after getting ready for my day. The guy on the phone by the name XXXX had asked me have I ever been sued by a company, I said no. Me trusting the company I had set up payment arrangements. After the payment didn't go through since I had to change my card info I received a phone call from my caller ID stating it was the district attorneys office. The gentleman left a message on my voicemail stating his name is a XXXX XXXX. He didn't give me a first name, no number to reach him at, but gave me the same number XXXX has called me from. After closely listening to both voicemails it is the same guy. So not only has he called all my family he has also falsely identified himself to intimidate me to pay this company. Today XX/XX/2019 I had reached out the original company I owed to see if I can pay them, they gave me the company they sent it off to. I called that number and she had told me they sent it to the Summit Receivables. I explained to her everything this guy has done to get me to pay this debt. She informed that he is not allowed to do that so she had referred me to the manager over, but she never gave me a call. I'm not going to be harassed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted XXXX and transunion & alerted them that I had been a victim of identity theft. The rep stated that he could see the alert had been placed on my profile. I advised him that I would like my info updated as well as to dispute several items that I had no knowledge of!! I just received the results of the dispute and nothing was deleted, just updated EVEN THOUGH IT ISNT MINE!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked Experian to please send me validation of said acct ; XXXX XXXX XXXX- I do not have nor have I ever had any business w/XXXX XXXX XXXX  - Additionally, I have requested they provide the name, address, and telephone number of each person contacted regarding this alleged acct. 
along with a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

I have requested that any automated response or e-Oscar verification is unacceptable. 
I have asked for a reinvestigation AND their Method of Verification several times. I am/have made a final goodwill attempt to have Experian clear up this matter. 
The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 
I have advised them that I will be reporting them to the Consumer Financial Protection Bureau and the Attorney Generals office. 
They continue to be NON-COMPLAINANT according to the FCRA sections 603, 604, 609, 611, and 623, BY SENDING MY THE SAME AUTOMATED RESPONSE : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ).

My Next and only recourse is to file a Civil Penalty Claim for their willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this matter with Experian a number of times submitted prof this was paid in full. But Experian has ignored my complaint and has not remove XXXX XXXX XXXX XXXX still shows me as owing money. I need XXXX XXXX XXXX XXXX ending in XXXX. I am contacting a Attorney if they don't delete this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I disputed negative inaccurate information on my consumer report and the items were not removed and I did not receive a proper response with in 30 days I am attaching the previously sent letters and the most recent letters as a final follow up. I have also enclosed information regarding accounts that should not be on my consumer report as well. I have also labeled the violations found by this company to my consumer report. 

This company is in violation of the following codes pursuant to Title 15 USC Chapter 41 as stated by congress : 15 USC 1681e ( b ) reporting 100 % Accuracy ( XXXX : XXXX ) 15 USC 1681 ( a ) ( 4 ) Right to privacy ( XXXX  : XXXX ) 15 USC 1681b ( 2 ) Permissible purpose ( XXXX  : XXXX ) 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions of Transactions or Experiences XXXX XXXX XXXX I have attached my dispute letters and request immediate removal. 

I do not consent to e-Oscar or any means of automated system for verifying my disputes. 

I request the cfpb to enforce the laws violated pursuant to congress.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I was XXXX  and XXXX. Besides my wallet containing my I.D, XXXX, XXXX card and money my IPhone was stolen and XXXX ID compromised. The robbers has access to all my personal files including my social security number, dob, financial files, etc. This is how they were able to transfer money from my bank account to XXXX XXXX and open and access a variety of loans and credit cards. Ive contacted Affirm to XXXX and theyve neglected to close the fraudulent account and impeded the fraudulent transactions. They have failed to contact the XXXX XXXX. Because of them my credit score dropped. When I initially contacted them the charges were {$420.00}. I have two detectives from the New York XXXX XXXX that can verify the incident from surveillance. Detective XXXX and XXXX XXXX. My complaint number is XXXX XXXX XXXX XXXX. FTC complaint number is XXXX. Please assist me with closing the account and reporting these fraudulent activities. I never authorized XXXX  charges on XX/XX/XXXX. Thank you.
Product: Credit reporting or other personal consumer reports

Complaint # XXXX Company responded XX/XX/year> XXXX card did not address the issue of removing the Account as stated to there reponse. 

I did not apply for this account It's XXXX by them to the reply by XXXX 

XXXX never address the issue with information place on my credit file of removal. 

I never open applied or ask for a discover account nor applied or sign any contract for this car. 

This is no duplicate of what I said or respond to
Product: Credit reporting or other personal consumer reports

I have my credit file frozen with XXXX, XXXX, and Equifax. 

I plan on applying for credit so I am unfreezing my credit reports with these 3 agencies. I was able to unfreeze easily with XXXX and XXXX. 

I am encountering problems with Equifax and unable to get a resolution. 

I am unable to log in to Equifax website after supplying correct credentials. It reports an error and asks I call XXXX. 
I call the XXXX XXXX number and I am prompted to answer identity questions, which is understandable. However the automated system is unable to receive any answers either by voice or by keypad. This must be a technical problem. The phone system is unable to verify my identity, but then transfers me to wait for a representative. However the wait for a representative is prohibitively long due to " exceptionally high call volumes. '' There is no indication of wait time and no option for call back. 

I am unable to move forward to apply for credit because I can not unfreeze my Equifax credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX XXXX, XXXX, XXXX Employer : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXXXXXX XXXX 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 Equifax Employer : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute with XXXX, XXXX and Equifax asking to send me verifiable and accurate information. They didn't do that. Instead they sent me the same thing that was said online. 
They violated my rights and I am extremely angry. I read that in 15 U.S.C 1681 Section 604 A Section 2 it says that a consumer reporting agency can not furnish a account without my written instructions. I asked for that information and they didn't send me that either!
Product: Debt collection

COLLECTION BUREAU OF AMERICA XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT NUMBER : XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX. 

OPEN DATE XX/XX/2019 ORIGINAL AMOUNT XXXX In XX/XX/2019, I first learned that I have collection report from XXXX and XXXX. I have no idea of this medical bill / collection information at all. This collection comes from a company called COLLECTION BUREAU OF AMERICA. Therefore, I contacted COLLECTION BUREAU OF AMERICA through certified letter and requested ( received ) return receipt. The return receipt dated at XX/XX/2019. The letter I sent is debt validation letter. However, I never received any reply from COLLECTION BUREAU OF AMERICA.
Product: Debt collection

Amcol at XXXX XXXX XXXX in XXXX, SC XXXX purchase a invalid debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX for {$310.00} and illegally places this debt on my XXXX and XXXX  credit reports. At the time of service I had a primary commercial insurance and XXXX as secondary. I never had any balance due once insurance process and pay and I have requested that they remove this information from my credit report repeatedly with no resolve to this issue. On XX/XX/2020 I contact Amcol again and spoke with XXXX who stated due to the age they can no longer bill insurance so it is patient responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled a copy of my credit report and noticed a lot of inaccuracies and inconsistencies. I sent in certified letters to the credit reporting agencies to get the reported information verified and they said all the information on the report was accurate. 

After the verification process I checked my credit report again and noticed the same inaccuracies as before after a new thorough research Below are the inquiries I am disputing : Creditor Name - XXXX XXXX XXXX XXXX Type of Business - XXXX XXXXs Date of inquiry - XX/XX/2022 Credit Bureau - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXu - Experian In accordance with the Fair Credit Reporting act the above accounts has violated my rights. 

Section 604 - 15 U.S. code 1681 B - This law states the the bureaus don't have any right to report anything on your credit without your permission. 

Section 605 A - 15 U.S. code 1681 C-1 states that without consent to share your information it is identity theft Section 605 B - 15 U.S. code 1681 C-2 states if you are notified of anything on your credit it is identity theft
Product: Debt collection

I am filling a complaint today in regards to a collection notice that I received from ACI ( American Coradius International ) LLC Phone # XXXX in the amount of {$1100.00}. This debt collection is from a fraudulent charge/ purchase ( I assume ) that was made on XXXX XXXX XXXX XXXX my name and SSN. I reached out to XXXX regarding this matter so they have been made aware of my dispute. The representative at XXXX ensure me they will look into this matter further and suggested I create a police report. I contacted my local law enforcement and they suggested I file a complaint with XXXX and that they could not do anything because the suspect is not local. XXXX also provided me with a phone number for law enforcement to reach out to for more details into my case/ their investigation. The number is XXXX ( XXXX ) XXXX. The debt in question is associated with a XXXX account number ( XXXX ) that I am not aware of and have never used but is using my name, address, and SNN. The only difference is the email address. The representative I spoke with at XXXX would not provide me the email address associated with the fraudulent account and said they could only provide that information to law enforcement.