23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX based in TN has unfair and deceptive business practices. I signed an installation agreement for {$40000.00} in XX/XX/. Within a few weeks they installed the panels ( without getting approval from the county. They got approval AFTER the panels were installed ) and rewired our breaker box. This is when we started having problems. 2-3 mths passed without hearing from them. Techs would come out and spend the whole day without resolving the problem. One tech told me that the battery they use is faulty & the company is aware of it but continues to use it! In the meantime, payments were being taken out of my account by Mosaic even though they knew that the installation wasn't completed. I told XXXX XXXX that I wanted to cancel the agreement. They said that I had 3 days after signing the agreement to cancel. At this point, it was XXXX. I began to see several reviews from customers who had similar experiences. They quickly install the Solar panels and then months go by before you hear from them and there are technical problems they never get resolved. Solar Titan is no longer in business and is under investigation by the Attorney General of TN.Now Mosaic is demanding payment even though the panels are not functioning and they know that Solar Titan is under investigation. They have sent the debt to collections and is ruining my credit! I should not have to pay for a service that has not been rendered!
Product: Payday loan, title loan, or personal loan

Hello, I had a compliance XXXX call my employer and left my employer a voicemail telling them I need to resolve an issue and to call another number immediately. When I called the phone number, ( XXXX ) XXXX, a man named XXXX informed me that he is working for a mediation law firm called XXXX and that I owe an outstanding balance from a previous loan I took out last year and if I fail to resolve it as soon as possible, I will have to pay XXXX times the amount owed and they would be taking me to court. He mentioned the name of the check cashing place I received the loan from and had my personal information like my addresses, email, and employer information. Out of fear, I paid XXXX {$150.00} on XX/XX/2022 at XXXX am and was put on a payment plan and was scheduled to pay that same amount again on XX/XX/2022. I gave XXXX my credit card information thinking I was paying off the loan I took out a year ago. He also mentioned to me that XXXX had sold my information and I have been in collection for awhile now and my information has been passed around to different collection agencies since I failed to pay on the due date. I called XXXX XXXX and they said that they did not receive any payment from me and it was most likely fraud. They also swore to me that they did not sell any of my information but somehow XXXX had all my personal information as well as the date I took out the loan. I am absolutely horrified at the lengths people will go and feel incredibly stupid for even taking out a loan in the first place. Please do not ever take out a loan from XXXX XXXX or California XXXX XXXX XXXX. Your information is NOT private. They will take advantage of people in poor situations. Learn from me. Make sure you are paying the right person. Always pay the actual creditor and ask for a written debt validation.
Product: Credit reporting or other personal consumer reports

I have no knowledge for this false report in XXXX. I never signed any lease with this company that I supposed owe for damages in XXXX. I just graduated highschool in XXXX and never signed my own lease for anyone. This is interfering with me in XXXX  years later with being able to get a home for my XXXX children and I. This information is false and needs to be taking off my credit as soon as possible so I can get a home for my children and I. Please. And thank you!
Product: Credit reporting or other personal consumer reports

Recently, I did another investigation on all three credit report ( XXXX ) which caused severe XXXX, XXXX stress and trauma upon me and have still found unverifiable, invalidated, inaccurate, and questionable items that their agency didn't make sure was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies are still stating that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies still showing on my report? ACCOUNT ( S ) ARE AS FOLLOWS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN ACCORDANCE TO FCRA LAWS the above, 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 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 ) ( 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, credit repair services, or other personal consumer reports

XXXX  UNFAIRLY IS REPORTING INACCURATE CREDIT INFORMATION PLACING CREDITORS ABOVE CONSUMERS. XXXX  has a Financial Duty to VERIFY INFORMATION REPORTED IS ACCURATE. See attatched XXXX  Dispute Results # XXXX XXXX USAA SAVINGS BANK XXXX XXXX WAS NOT OPENED BY ME. I REQUESTED DRIVERS LICENSE AND SIGNATURE TO OPEN THIS ACCOUNT BE VERIFIED BY XXXX  THEY DENIED. ( Kindly Note REINVESTIGATION OPTIONS ARE TO CONTACT THE PROVIDER OF THE IN CORRECT REPORTING. THIS COULD NEVER BE A FAIR FIX FOR CONSUMERS. ) I demand XXXX  **** VERIFY THIS ACCOUNT WITH DRIVER 'S LICENSE AND SIGNATURE TO OPEN IN MY NAME XXXX OF XX/XX/XXXXOR DELETE IMMEADIATELY ***** Verify Address ID # ALSO PLEASE XXXX as my Address. Please Provide XXXX ACCESS TO DISPUTE DIRECTLY WITH XXXX  LINK.
Product: Credit reporting or other personal consumer reports

I received an email about my credit from Chase today XX/XX/24. Apparently it was pulled from XXXX. STOP ACCESSING MY CREDIT REPORT! THE INFORMATION IS FRADULENT! CHASE IS INVOLVED IN CRIMINAL FRAUD! STOP CONTACTING ME! XXXX, LOCK MY REPORT AND STOP SHARING WITH EVERYONE! I DONT WANT ANY CREDIT, AND I DONT WANT YOU SHARING A REPORT THAT CONTAINS SLANDER AGAISNT ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

On two separate occasions, I filed a dispute with Equifax to check and validate the information regarding XXXX XXXX. It was indicated that these two items were suppose to be deleted from credit file in XX/XX/XXXX, which coordinates to last activity record. SOL on private loans ends seven years for the date of final activity. These items should have been removed from my credit report in XX/XX/XXXX and violates the FCRA. During this period, Equifax has failed to remove these items. My next step will be to file a civil suit against Equifax in violation of FCRA Regulations. 

Credit File : XX/XX/XXXX Confirmation # XXXX Account # - XXXX XXXX XXXX ( 2 Accounts ) The results are : This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. 

Credit File : XX/XX/XXXX Confirmation # XXXX Account # - XXXX XXXX XXXX ( 2 Accounts ) The results are : We verified that this item belongs to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an car I was told they would only pull from XXXX  now I have 16 inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Mortgage

Seterus Inc. is the service provider for my mortgage. I applied for a HAMP modification in XXXX and was offered a streamline modification by Seterus in XXXX. At the advice of XXXX they told me to start the streamline offer until we hear from XXXX. Apparently I have been approved. Since then, I have called to get answers on why their ( Seterus ) system has not updated my loan and they have hung up on me, put me on hold for long periods of time, and given the complete run-around when I ask direct questions. I was told by someone there, that the new modification was deleted by an unknown source and I was out of luck and if I missed payments on the streamlined offer, I would be foreclosed on. I also asked to speak with supervisors on every occasion and was rudely told that was not going to happen.
Product: Debt collection

Collections account from Portfolio Recovery showed up on my Consumer Report, without ever reaching out about alleged debt out. I never received phone call or mail about alleged debt owed. I then attempted to contact the company by email and letter, requesting validation of debt owed and never received any correspondence back. I requested validation of debt. To this day, I have never received any communication from Portfolio Recovery regarding this debt or any validation that I owe the alleged debt. 

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

The XXXX Credit Bureau is reporting inaccurate information on NISSN INF LT ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

This company contacted people about the debt the amount is incorrect. The name of my leasing company is also incorrect too. I went to court for this matter and it was not this amount - I do not know who this company is
Product: Credit reporting or other personal consumer reports

hereby claim all right title and interest of the below described property and I am without notice of any other bonified would be otherwise bonified purchase for value or adverse claimant either by nature nor characteristic or legal or equitable rights of same and I believe that no such adverse claim exist. 

Credit report registered securities # XXXX security ID reg mail XXXX The debtor will hold possession of the collateral for the secured party 's benefit and accepts as grantee and return delivery same subject matter on special deposit as grantor settlor with intent and purpose to settle and close release collateral in all encumbrances
Product: Debt collection

Again, I requested validation of the debt and the amount owed and the did not respond. They also sell off the debt to other collection companies. They try collect obscene amounts and refuse to answer what I request. They threaten and violate privacy by calling my mother and robo calling stating collection of debt. They violate 15 USC 1681abd 1692 over and over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2020 I attempted to lift my security freeze with the 3 credit bureau reporting agencies. I could not access either account even though I had the security issued pin ( s ) when I placed a freeze ( due to identity theft ). I attempted to call each agency and could not contact anyone to speak to getting circles of voice que 's. 

When attempting to access XXXX  a page popped up that stated to send documention to them. I followed the instructions and mailed certified on XX/XX/XXXX. I received confirmation the documents were received on XX/XX/XXXX. No one has contacted me via phone, email ( I have monitored my spam folder ), or mail. I continue to be unable to get through by phone or access accounts online. 

I am attempting to refinance my home and am unable to proceed without lifting the credit bureau freeze.
Product: Checking or savings account

At the beginning of this year the bank began charging overdraft fees retroactively. I received overdraft fees for charges that were not overdrawn. The bank has not refunded any of the fees. A savings account that I had was suddenly closed without notice. I've since notified the SEC about the fraud, involving this bank and third party entities, after numerous small charges and itemization began appearing on my account, beginning in XX/XX/2019. Chase bank has further removed the online option to dispute any charges, and requests that such disputes are placed in writing. A relative that holds a Chase account has now also been targeted in a similar way by this bank.
Product: Credit card or prepaid card

In XXXX, I discovered that someone has an account with Kohl 's Dept store using my SSN. It appears to be a clerical error rather than fraud. I have called Kohl 's 5 times and sent them a letter via registered mail ( signed for on XX/XX/16 ) with my address, phone #, email and copies of my SS card, Kohl 's card, and social security statement with my date of birth and SSN and have received no response. My account was closed in 2016 and apparently purged from their system. Every time I call, they can find no record of my account and no record of my previous calls and they add more of my personal info to her account. In XXXX, I received a copy of her statement containing her entire account # and 2 letters regarding disputed charges, addressed to her at my address. I last spoke with supervisor XXXX # XXXX in the fraud dept on XXXX. He told me that they can not respond to my complaints since I do not have an account in their system. He looked up her account using the info that I gave him and assured me that all of my info had been removed from her account and I should have no further problems ... but was surprised to hear that the Florida address still in her account was mine, not hers. ( She lives in XXXX, WI. ) He told me that Kohl 's can not remove my info from her account unless she requests it, even though she did not put it there ... Kohl 's did. After this phone call, I received an email addressed to her at my email address containing her rewards ID and PIN ( XXXX ) and coupons addressed to her at my Florida home address. They have breached her privacy and mine and are not interested in correcting it! 
I have documentation supporting all my claims. The instructions on the website said not to send personal info unless requested by you, but steps 4 and 5 ask for info. 
Her name is XXXX XXXX, account # XXXX XXXX XXXX. As I said, Kohl 's has no record of my account and will probably not be able to find any record of my complaints if you give them only my acct #. You may need to have them look it up by her acct #.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve the problems with the company havent got no response
Product: Vehicle loan or lease

My car was repossessed in XX/XX/2023 and I paid them off in XX/XX/2023 to the tune of {$5000.00}. I have had to call them over XXXX times regarding the release of my vehicle. As of XX/XX/2023, They still can not seem to get the release to the correct company that is holding my car. They have lied about everything from the beginning including that I had to take their service contract for {$2400.00} to get the loan. They have lied repeatedly to me regarding releasing my car for over XXXX months after it was paid in full. Now they are trying to add money owed for the storage of my car that they will not release. They are telling me I still owe {$150.00}!! I have not been able to work in those XXXX months and XXXX now about to be evicted. I literally can not afford to feed myself, and when I call them, its always oh, youll have to call back tomorrow. I have been called upwards of a dozen times in XXXX day by them. I literally have nightmares every night about this company and losing my vehicle and becoming homeless. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2019 I went to the emergency room sick. XXXX XXXX hospital XXXX XXXX XXXX XXXX XXXX NV XXXX. XXXX 's name on my receipt is XXXX XXXX .I negotiated the bill with the billing department From {$5600.00} to {$2200.00} in good faith and paid in full {$2200.00} on XX/XX/2019 and I saved the receipt. And about 3 months after I payed them I received an additional bill from DR XXXX XXXX for the same hospital bill I already settled and payed. for an additional {$1800.00} from a XXXX XXXX XXXXXXXX XXXX XXXX and an an additional {$250.00} from XXXX XXXX XXXX for the same hospital bill I already payed.
Product: Credit reporting or other personal consumer reports

I have disputed XXXX XXXX on my report several times. The account is paid and closed as of XX/XX/year>. The account keeps getting reported as open. Also, Experian has made it impossible for me to dispute online on my own. When I call in I am giving a hard time with disputing. I want my capabilities to dispute on my own reestablished.
Product: Credit card or prepaid card

Synchrony Sam's Club credit card sends no notice of payment due or overdue. They just keep adding penalties and interest.
Product: Money transfer, virtual currency, or money service

My bank is XXXX and it is connected to my Venmo account. I paid another person on Venmo {$650.00}. I later disputed the charge as I incorrectly thought it went through twice. When I submitted the dispute through my bank they alerted Venmo and Venmo took the money back from the other user I had originally sent the payment to. A couple weeks ago I received a letter from my bank stating the fraud investigation is done and Venmo proves the transfer was legitimate and legal. Which I agree with. At that point I expected the money to be sent back to the person I originally sent it to. It has not been sent to her as of today. I have contacted my bank and Venmo multiple times trying to find this money. Every time I contact my bank they say their investigation is closed and I need to contact Venmo. When I contact Venmo I get a different answer every time but they always say to call my bank. Yesterday Venmo told me they need to hear from my bank that the investigation is closed so that they can release the money. I contacted my bank this morning to ask them to let Venmo know the fraud investigation is done. My bank said it is not possible for them to do that and Venmo should be aware as they have to work together during the investigation. I am a single mom that lives paycheck to paycheck. I need that money to be found and returned to me or the person I sent it to. {$650.00} is a lot of money for me to lose, especially at XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to dispute the information regarding a late payment on my credit report for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received a response indicating that the late payment was verified, but I have not received any written proof of this verification as requested, nor was I informed of the method used for verification. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, I am entitled to a reinvestigation of my dispute, and I request that you provide me with the following : 1. **Written Proof of Verification** : Please provide copies of the documentation that was used to verify the late payment information.

2. **Method of Verification** : Please describe the method used to verify the disputed information and provide the contact information for the entity that verified the information. 

Without proper documentation and explanation, the disputed late payment can not be considered verified under the FCRA. Please either provide the requested documentation and details of the verification method within 30 days, or remove the late payment from my credit report. 

If this issue is not resolved to my satisfaction, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action to enforce my rights under the FCRA. 

Please confirm receipt of this letter and provide a timely response. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

When I call to speak to customer service I am told one thing, then a month later I started receiving phone calls and emails telling me I was in default and my wages would be attached. I called customer service again and they stated that they have no record of payments or my calls. I ask for options, I am given only one option with a flat payment. I am told I do not qualify for the non-profit employment option. I tried to file for financial hardship due to assisting a family member, I was told that does n't matter. I said I had to get a second job and the payments I was making every two weeks was not sufficient. Absolutely no help or consideration, all they wanted was information on my second job. XXXX is my college.
Product: Mortgage

On XX/XX/2023, I applied to refinance my home through the Navy Federal Credit Union. Despite submitting all necessary forms and documents before my Notice of Incompleteness Date ( NOI ), the loan officer requested a remote work letter from my employer to complete the loan approval process, which I found strange since my income and employment had already been verified. Surprisingly, the loan approval was contingent upon providing this remote work letter. A few days later, I discovered that my account had been removed from their website, prompting me to contact the loan officer, who informed me that she was unavailable, but my loan was in process. Concerned, I contacted customer service and was informed that my application had been declined due to the failure to produce a remote work letter. I applied for a new loan and submitted an appeal to use the previous loan 's interest rate. However, I am still waiting for an official response to my appeal and an explanation for why my initial application was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called XXXX  numerous times about inquires that I didn't authorize. The Credit bureau continues to state I need to contact the consumer ( s ) and speak to them I have recently spoken to XXXX ( XXXX ) which stated the exact same thing. XXXX   stated my dispute results will remain online for 30 days but I'm unable to see them. 
My XXXX credit report dispute confirmation number is XXXX. 

I have submitted various documents to them stating these Inquires aren't mine, yet they remain on my report. I have provided them with police reports stating fraud. Still, no changes have been made. I'm requesting they remove all inquiries off my report immediately which is hindering me from acquiring a few life goals.