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

Hello, I see a recent derogatory remark listed on my consumer credit report as a XXXX XXXX bankruptcy from XXXX. I have confirmed with the court that they do not verify or report bankruptcies to the credit bureaus and I am requesting full and authentic verification of this remark. 
Please verify that this public record is being reported completely and accurately. 
Please verify that that complete and full court name is reporting this. 
Please verify that the full, complete, and accurate docket identifier, bankruptcy type, account ownership type, attorney name, disposition type, disposition date, file date, paid date, and settle date. 

If you are unable to verify any of the requested information requested from the court and unable to provide proof of this verification, I request that you remove this bankruptcy immediately. All dates should be reported fully and accurately to maintain the integrity of my consumer credit reports. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I am a victim of Identity theft. Someone stole my Identity and is constantly using my Identity. I believe that that charge is fraudulent. I never lived in XXXX. I have disputed this before but I still keep receiving the debt collection on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent Experian a certified letter, Certified Mailing : XXXX, informing them and providing them proof. I received a letter back from Experian dated XX/XX/XXXX Report # XXXX stating that they would not remove the debt even though they were provided with relevant information and documentation. 
After several attempts, Experian has refused to remove this unverified correct information from my credit report. Experian is refusing to correct information for Account : XXXX XXXX XXXX, Account : # XXXX After being provided proof of account inaccuracy. 
Experian has refused to correct information on my credit report after being provided proof of inaccuracy and due to this, I have suffered the following violation : Defamation, willful injury. Based on FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv01743 ).

Fine : Extent of damages incurred by the wronged party, as deemed by the courts. 

IN ADDITION : XXXX DID NOT VERIFY THE DEBT WITH ME AND IGNORED THE CFPB COMPLAINT DUE TO THEM NOT BEING ABLE TO VERIFY THE DEBT ( SEE ENCLOSED COPIES )
Product: Checking or savings account

In XX/XX/year>, we were contacted by XXXX DC for the service of placing solar panels on our house located in XXXX, UT XXXX. 
And in the month of XX/XX/year> Mosaic Bank made us a loan in the amount of {$75000.00}, which included the placement of the solar panels as well as the services of the construction of the separate entrance to the basement as well as the placement of a cement in the backyard of the house. 
This company after having many problems with the installation and operation of the solar panels as well as the construction of the entrance to the basement and the bad construction of the cement that they put in the back of the garden of my house, disappeared and did not give us any more face to the multiple complaints that we made regarding their inefficient work. 
We are now finding out that they never finalized the permits for the solar panels nor the permits that the company they subcontracted for the construction permits. And now we are facing a series of inconveniences due to the poor work we received. And that is why we are making this report against the company MOSAIC because we consider that the management that this company XXXX DC did with MOSAIC to give them the money from our loan should be reviewed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several auto loan inquiries and credit XXXX credit report that were not done by me. And have significantly drop my credit score and have been reason for me being denied credit because of to many inquiries. Please help me remove these from my report. 
I have tried reaching out to the companies with no resolve. They told me to dispute it. XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This is the second time reporting this same issue to the CFPB. I sent a complaint to the CFPB last month and the Credit Bureau did not respond with the 30 days. Attached is the same complaint : In XX/XX/XXXX, I pulled my credit report in preparation for a mortgage application and discovered several accounts fraudulently opened in my name.

Since then, I have taken multiple steps to resolve this issue, including disputing these accounts directly with Experian, debt collectors, and the original creditors. I have sent certified dispute letters, but Experian has failed to rectify the situation or provide adequate documentation within the legally required timeframe. Key Issues with Experian : 1. Failure to Investigate Under FCRA Section 611 ( 15 U.S.C. 1681i ) : Experian is required to investigate disputes regarding the accuracy of items in a consumers file within 30 days of receiving a dispute. Despite my certified letter disputing the fraudulent accounts, Experian has failed to conduct a reasonable investigation or remove these accounts. 2. Failure to Provide Documentation Under FCRA Section 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) : As part of my identity theft dispute, I have the right to request all information related to the fraudulent accounts. Experian has not adequately provided this information. 3. Failure to Block Fraudulent Accounts Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ) : I submitted an FTC Identity Theft Report and supporting documentation, which requires Experian to block the reporting of fraudulent information. This obligation has not been fulfilled. Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Balance : {$5200.00}. Debt Collection Violations : Under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), debt collectors must cease collection activity until the disputed debt is verified. Despite my certified letters disputing these debts, the debt collectors involved have failed to provide adequate verification. I have attached all relevant documentation, including my FTC Identity Theft Report, certified dispute letters, and supporting evidence. I am seeking your assistance in ensuring Experian adheres to its legal obligations and resolves this matter promptly. Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I installed solar panels on the roof of my home and Goodleap is the business who my loan is with for the solar panels. I didn't even know Goodleap existed or had anything to do with my solar panels until XX/XX/XXXX. However they state I had a payment due to them on XX/XX/XXXX. I did not receive an invoice from them, an email or a phone call. The closest was an email XX/XX/XXXX ( first email from them ) stating to call them about the status of my account ( no late payment information or invoice ). Then I get an email stating I missed a payment on XX/XX/XXXX, in which I immediately enrolled in automatic payments. They never discussed anything with me other than send another email to me after I already paid them, stating I hadn't. Yet my money was taken out of my bank account. Now they added this erroneous payment to my credit score and it lowered 110 points due to their lack of service. They now refuse to answer me yet take my payments without issue.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX, XXXX, amount of {$1200.00}. I have filed a Police report for XXXX XXXX. XXXX XXXX has removed this account from all three of my credit reporting agency. However XXXX XXXX is now reporting the fraudulent account XXXX XXXX to my XXXX credit reporting agency and has not responded to remove this fraudulent account.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX Balance : {$9700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple credit disputes to XXXX XXXX, XXXX, and XXXX  regarding my credit report. I was a victim of identity theft in 2012 when my License and my social was stolen. I have 5 inaccurate debts on my credit that I have never heard of or signed for. XXXX XXXX ( says charged off as bad debt ) XXXX ( has two separate accounts one says closed one says charged off ) XXXX XXXX ( charged off ) XXXX XXXX XXXX XXXX ( someone stole the car ) And XXXX XXXX
Product: Debt collection

1, XXXX continued to bill me for XXXX & XXXX, with a total of {$99.00}, after " request to disconnect the service '' was made in the XXXX of 2023 ; 2, On XX/XX/2023, I contacted XXXX to correct this mistake and was promised by XXXX 's XXXX chat agent that this balance shall be waived. This conversation was recorded in XXXX 's Chat Log : XXXX ; 3, Instead of acting on promise, XXXX kept sending bills until XX/XX/2023 when I contacted XXXX again. The same promise as in XXXX was repeated, and I was told to rest assured, as evidenced in Chat Log : XXXX ; 4, Once again, rather than acting correctly as XXXX has promised twice, XXXX hired Debt Corrector, Waypoint, to collect from me the false balance of {$99.00} ; 5, After being provided the screenshots of XXXX 's above promises in XXXX and XXXX, Waypoint told that this collection account will be closed. 
6, However, now XXXX hired another collector, XXXX, to repeat the same harassment Please see the attached screenshots for evidence that this wrong balance of {$99.00} has been promised twice by XXXX 's customer service to be corrected to {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please remove the SECURITY FREEZE from my Consumer report. I'm writing to you to request this. You must abide by the provisions of the Fair Credit Report Act. I'm aware that some kind of identification verification will be required by your business to confirm my identity.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request an investigation into the unauthorized disclosure of my personal information by your agency, pursuant to the provisions outlined in 15 USC 1681i.

It has come to my attention that you have been furnishing my personal information to third parties without my explicit consent. As per my rights under the Fair Credit Reporting Act ( FCRA ), I did not provide any authorization for the release of my information to any entities, nor did I grant permission for your agency to obtain or disseminate my personal data.

I am deeply concerned about the potential implications this unauthorized disclosure may have on my privacy and financial well-being. It is imperative that you cease all unauthorized activities related to the sharing of my information and take immediate steps to rectify this matter.

Furthermore, I request that you conduct a thorough investigation into how and why my personal information was disclosed without my consent. I expect prompt action to rectify this situation and prevent any further unauthorized disclosures in the future.

Please provide me with written confirmation of the steps taken to address this dispute and the results of your investigation within the time frame mandated by law. 
A : XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX : XXXX XXXX / XXXX XXXX XXXX XXXX bank : XXXX Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely, [ XXXX XXXX XXXX
Product: Mortgage

I've called USAA multiple times over the last 2 years. Wondering why my homeowner 's insurance kept going up over the years and there rep kept doing a review of my insurance and telling me, everything was good with it. And so when I got the letter in the mail on the XXXX of XX/XX/XXXX I called them because I had my insurance going up again where I'm paying over {$7000.00}. Starting one XXXX when my escrow was gon na end up being almost more than my mortgage. So I called them and asked lady was if reviewing my room. Records again, she stated that so I'm going through your policy and I say, where is this your secondary home? I said no. This has always been my primary home and she said well. I need to get my supervisor involve. Because we haven't had this problem before and I said my primary home is the one listed as XXXX address and it has been my primary home since XXXX. The rep talked to her supervisor, she got back on the line and the end results was USAA could only can give me {$800.00} back for XXXX and not the entire amount, due to a claim loss in that usaa never paid out prior to my finance in XXXX. USAA is refusing to provide me with all off my back pay due to there mistake.
Product: Credit card or prepaid card

I booked a hotel at a low price at a discount on the XXXX website and paid for it in full. Upon arrival at the hotel at the reception, I was asked to provide a credit card to receive a security deposit. After leaving the hotel, I found out that XXXX XXXX  did not return to my card. 
In XX/XX/XXXX I opened claim in the Bank of America so that the money was returned to me. XX/XX/XXXX. Account ending in : XXXX. Claim number : XXXX. After research, Bank of America credited XXXXXXXX XXXX to my account. 
In XX/XX/XXXX I received notification, that XXXX XXXX was again charged from my card. The bank informs that this decision is not subject to appeal. 
The bank claims that I took advantage of certain services of the hotel and is obliged to pay for them. As evidence, the bank attaches an unconscious document with a list of services rendered to me. In addition to the fact that this document was not signed. In the upper right corner, he has a date XX/XX/XXXX, there is no information about booking, as well as other important information. 
I did not use any additional services of the hotel both during the visit and XX/XX/XXXX. 

Please : 1. hold the bank liable for unlawful charge of my funds. The bank had no reason to charge funds for the use of services since the hotel did not provide any appropriate evidence about that. 
2. facilitate to the refund.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Consumer Loan

I took out a loan with XXXX XXXX in XXXX 2013 for {$5000.00}. It was sold to Cash Call for servicing immediately and then to XXXX XXXX. It is now back to Cash Call. There are multiple lawsuits in progress right now against them and I offered to pay back the principal of what I owed to take care of the loan. To date, I have paid {$3800.00} and they say my principal is still {$4300.00}. How can I make payments for over 2 years and only take {$700.00} off the principal? I made an offer to pay them {$1100.00} and change to pay back the original {$5000.00} but they said they would only accept an offer of 80 % of the principal remaining so the best offer would be an additional {$3400.00} which would give me an effective interest rate of around 30 %. I understand that I am lucky in that some consumers have paid back more than double what they borrowed but I still believe 30 % is too high.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had filed a complaint recently on Central states recovery requesting that they remove the dispute verbiage from my credit report. Their response was that they would remove the account from all three credit bureaus. As of this date they have not done what they agreed to do. I need this rectified ASAP!!
Product: Credit reporting or other personal consumer reports

Recently upon checking my credit report I noticed that I have been a victim of identity theft and found numerous credit inquiries that I had no knowledge of. I also found an account by XXXX XXXX that was also fraudulently obtained with my information! I received notification that my information was involved in a Breach from XXXX XXXX XXXX XXXX. They stated that my personal information was accessed and downloaded from the banks database and a XXXX during periods in XXXX Thru XX/XX/year>. I contacted these companies and they stated that they had no account on file for me. However according to Fair Credit reporting Act, Section 605B... It is illegal to report information on my credit report without my permission. Also Law 15 US Code 6802 states that no financial institutioin can share my non public information with a 3rd party entity. Please Remove this item from my credit report. I have once again enclosed the letter i received from XXXX XXXX XXXX XXXX and also a FTC report
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, Ink. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and affective measures to prevent and address fraud on their platform, leaving mu account vulnerable and unprotected. furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Consumer Loan

I have been on the opt-out prescreen list for over 10 years, and I just got a " prescreened '' offer from MyBestEgg. Since they are not obeying the prescreened offer opt-out, they need to be penalized.
Product: Mortgage

XX/XX/XXXX, I request a copy of the land survey for my property but told get it from different sources. A land survey was don in XX/XX/XXXX but can not understand why it is so difficult to get a copy. I need a copy of the land survey for the installation of a Generator.
Product: Credit reporting or other personal consumer reports

I am a victim of XX/XX/XXXX. The information listed below, which appears on my credit report, is the result of that XX/XX/XXXX. 
ACCOUNTS : XX/XX/XXXXXXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeing numerous credit inquiries on my credit report. Unauthorized by me due to the fact I have been XXXX. I have XXXX that I am constantly in and out XXXX At one point I had my purse stolen from hospital It contained Drivers license social security card bank card and my check book. 
I am looking at my XXXX XXXX report and I see many credit request and I did not make them. I how ever was contacted by XXXX XXXX XXXX telling me I owed money but I did not I cleared that out with them they told me to check my credit report due to unexplained fraud activity I do not recognize inquiries below DatesXX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX / XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing an incorrect charge-off on my credit report for TransUnion. I have fully paid off my vehicle, but the account is still reported as a charge-off. I have attached proof of my final payment. Please investigate and correct this error.
Product: Debt collection

The collection Firm of Franklin Collections services of XXXX MS has been going back and forth about a debt I supposedly owed for a creditor. I sent a correspondence requesting a signed contract from this creditor stating I requested the services they are claiming I received after receiving a itemized bill from them to get this off my credit files knowing I never had anything through this provider but XXXX which I still have the rep by the name of XXXX stated that he could not provide the contract, that XXXX XXXX XXXX stated he could not settle the debt because they want the whole XXXX. He also stated that he is a contractor for XXXX XXXX XXXX so they have the final say and what they collect on the debt as a consumer I am very aware that collection agencies buy these debts for pennies on a dollar and definitely not a contractor for these companies. The last statement he stated is that I receive this service at my current address which is not the case. Please have this collection agency to remove said debt I supposedly owe off my all XXXX credit agencies for misrepresentation I 'm sure this phone conversation all can be verify which took place today XXXX XXXX because the debt collector stated it is recorded unless this is another lying tactic
Product: Debt collection

this was my husband of 54 years XXXX XXXX XXXX and he is deceased since 2019 so this debt needs removed because its not mine