23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have no idea who Caine & Weiner  is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent.  Caine & Weiner is indicating that an account with the account number XXXX was opened with their company in XX/XX/2019.  I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I REQUESTED INFORMATION FROM CAINE & WEINER AND THEY DID NOT REPLYWhen a debt collector engages in the collection of “DEBT” they must provide copies of the following items:1. Provide a certified copy of the complete credit application that “debtor” signed to secure the credit with your entity.2. Provide signed verification of each transaction that is part of the alleged cumulative debt.3. Provide the contract or other instrument through which [Alleged Creditor } authorized Caine & Weiner as third-party collection agent.4. Provide a true and correct copy of the instrument by which [Caine & Weiner } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States (31 U.S.C. § 9101).5. Provide the delegation of authority from the Director of the Office of Management Budget to  Caine & Weiner, that authorizes your company to settle accounts of the United States (Public Law 104-316).6. Provide the Certified Assessment Certificate. Violation(s):* Failure to provide a notice prior to reporting negative information to a credit reporting agency (CRA).* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency (CRA).* Failure to provide an Opt Out Notice.* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.* Sharing Non Public Information (NPI) without providing an Opt Out Notice
Product: Credit reporting, credit repair services, or other personal consumer reports

I thank you, the Consumer Financial Protection Bureau, for looking into this. 

I am in XXXX XXXX, XXXX. I am up-to-date on my payments with Discover Student Loans. Every other lender I have has granted me " grace '' because I am XXXX Discover, through a potential arbitrary and subjective decision, has denied my XXXX XXXX status. Ok. I've argued every potential path and Discover has continued to deny my status. Ok, fine. However, I am not pleased with their subjective decision to allocate my payments to my past due amount to current amounts due. These current amounts due have already been covered.

Discover has sunk my credit 93 points. So sad. I have made consistent payments since XX/XX/XXXX and the minute I decide to contest, Discover decides to be unreasonable. Unbelievable.

Furthermore, I spoke with many Discover agents in the process to try to get deferment and a change in allocation. XXXX, a nice gentlemen, was very understanding to the situation. However, I was transferred to a gentlemen named XXXX out of the XXXX XXXX XXXX office. Very disappointed : he was very unprofessional, consistently interrupting me, extremely argumentative, and always called me " bud. '' My atty who was also part of the call, listening in, relayed the same : " very unprofessional. '' Putting this is writing so as to potentially pursue legal action. ' XXXX
Product: Credit card or prepaid card

XXXX XXXX partially installed product XX/XX/18. Had horrible problems with installer ( foul name calling, non-communicative, etc ), feared for safety, locked him out before completion. Owner said would not charge full price, but she did anyway. I disputed {$500.00} of total charge with my Chase credit card, submitted documentation on their request - both from the manufacturer and a separate company saying the installation was incorrect and incomplete with a {$700.00} estimate to correct. Chase basically disregarded all my documentation and sided with merchant instead of myself, as their customer. This is an absolutely valid claims and defenses charge back. I will need to pay someone to correct and complete the botched and incomplete installation that this company did.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach. Fraudulent accounts and unauthorized inquiries have appeared on my credit report without my consent. I request these be immediately blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts 1. XXXX XXXX XXXX  o Account Number : XXXX** o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXXXXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all information are 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. Below are the list of accounts need to fix : XXXX XXXX XXXX Balance Owed : {$380.00} ; XXXX XXXX XXXX Balance Owed : {$210.00} ; XXXX XXXXXXXX XXXX Owed : {$7100.00} ; XXXX XXXXXXXX Balance Owed : {$3000.00} ; XXXX XXXX Balance Owed XXXX {$1700.00} ; XXXX XXXX Balance Owed : {$3400.00}.
Product: Money transfer, virtual currency, or money service

I am writing this to formally express my concerns regarding zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three bankruptcies on my credit report and they are not mine and one collection from a company I have no clue about or an amount that is not mine. 
Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : XXXX ( XXXX ) Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : Unverified account
Product: Credit card or prepaid card

On XX/XX/2019, I paid off and closed a secured credit card account with CitiBank. I was supposed to receive a refund for the secured funds within 7-10 days as stated by the representative in the phone. I never received said refund. I waited a while and called again in XXXX to request information about something else. No mention of my refund. 

I called back on XX/XX/2019 to see if it would be possible to have the refund that I never received applied to a new secured card. They let me know that this was not possible because I would have to reapply for a new credit card. However, my refund should be issued and received within 7-10 days. As of today XX/XX/2019, I have still not received my refund. I opened the app and found that a stop payment had been issued on XX/XX/2019 and a check had been re requested XX/XX/2019. Tomorrow, XX/XX/2019 would put me outside of the 7-10 day window for the refund I requested on XX/XX/2019. After spending an hour on the phone with management and other nonchalant representatives, I am concerned about the legitimacy of this company and the refund I should be receiving. Just as I would be responsible for interest after a 3 month delay in payment, I feel that I should be compensated for the delay and inconvenience. I have literally been waiting for my refund since XX/XX/2019.
Product: Credit reporting

I have written the companies as well as all XXXX bureaus to remove these inquiries off of my report. I did not give the companies that pulled my credit any type of permissions to do so. XXXX and Credit Plus have abused my report by pulling XXXX3 times in one week. Please see the attached document. I would like all of these hard inquiries taken off of my credit report. I have written letters to them to provide proof of my signing or requesting for their services and they have provided no information.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial has consistently reported my account as late ( 30 and 60 days ) late. I have NEVER been late 30 days or more with GM Financial. I looked at my payment history on XX/XX/XXXX and verified this. I have tried to rectify this with GM Financial and they delete the trade line, only insert it back on my credit repots again with new 30 day lates. 

XXXX also is not any help. Every time that I submit a complaint to the CFPB, XXXX states that they can't respond to the complaint because it involves something that we previously litigated. Which is not true. 

XXXX also refuses to allow me to dispute the trade line with GM Financial. They give no reason why, they just refuse to allow me to dispute the inaccurate information.
Product: Credit reporting

I went to XXXX to request my free annual 12 month credit reports but each company turned me down and had different information and reasons why I needed to fill out forms and answer different questions to information that they asked and most of this information was incorrect. So therefore they requested I apply/request for my free credit reports by mail and provide the information and proof of Identity and addresses and other information that they requested and answer some questions they had before I sent in the forms and proof of information they require. I also am on XXXX thru Social Security and received a letter on XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX about my company that I am with for my Medicare part XXXX ( XXXX ) sent a letter stating that on XXXX XXXX, XXXX this company newkirk is a service provider that issues heathcare id cards for my ( prescription drug plan part XXXX ) thru XXXX XXXX XXXX, had a cyber security incident that my have affected my personal information. I am also going to include a copy of this letter to all XXXX credit bureaus and if needed can send you a copy also. But I also had identity theft that filed XX/XX/XXXX. I had put a security freeze on my accounts also back then, I do not know where or what my XXXX digit numbers they assigned me back then are anymore as I had requested these be removed awhile ago. 
Please let me know there is anything further you need from me. I can be reached via email at XXXXXXXXXXXX or text/phone at XXXX. I also have signed up thru myscore and transunion which came back as XXXX an they also states that they will monitor and safeguard my credit reports and I signed up for this on XXXX/XXXX/XXXX. I also will be contacting XXXX company to enroll in the protection services they are providing which are as follows : Allclear Identity Repair and Allclear Identity Theft Monitoring. And providing them with any disputes and information that is in accurate once I receive my credit reports from all three credit agencies. I appreciate your time and efforts in supplying me with any help in this matter. Also if there is anything further needed from me please do not hesitate to contact me. You can also send any information you find in writing or paper form to the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, Minnesota XXXX Sincerely, XXXX XXXX XXXX Thanks so much Also my control number thru the office and management and budget is XXXX XXXX this is the control number assigned
Product: Credit card or prepaid card

About 15 months ago, I got sick and lost my wallet with all of my Credit Cards. I made a call to all of the banks who gave me card, Someone found my wallet with my cards in and begin using them and run my balance up to {$60000.00} with chase Bank and the other chase card was $ XXXX.I have been writing them to get off my credit report, Again I am XXXX years old black man, I have alway paid my bills on and have banking with a chase over 20 years.. I have has my lawyer write a letter form me about this issue, I have written a letter to all of the credit reporting agencies for help, and file a Police Report with the city of XXXX, CA, File with XXXX and Identity Theft Victim Complaint and Affidavit. they still won't take this off of my XXXX Credit Report. I can use help. I have summited all the documents to and the Chase Bank.
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 Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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: Debt collection

Citibank taken me to court their atty never shown up I cont 'd to go court finally I request dismiss. I rec 'd my dismissed court orders because who they are they can not believe this happen but it did ( speaking to XXXX new collect agent this XXXX ( WITH /WITHOUT ) on court order they are coming for money the amount is wrong that is why I when to court not paying court fee and atty fee etc. This is old case back XXXX, this case was dismissed by court XXXX. They ( XXXX ) are aware Case number etc try to take it to court again information place in summary. Court try to destroyed with Government Codes. I want them to closed and correct by credit report etc. ( again ) XXXX try to reopen XXXX. ( removed it and stop try re-open ). Statue limitation apply to this case. I am XXXX. I keep all my documents etc.
Product: Credit card or prepaid card

Card was opened under my name without any application filed by me
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX 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
Product: Debt collection

Sir or XXXX, A solar company named XXXX XXXX XXXX with XXXX XXXX XXXX committed fraud and left us with incomplete systems that are inoperable or seriously under performing on what was promised and contracted. XXXX XXXX filed for XXXX in XXXX now XXXX XXXXXXXX XXXX was acquired by Fifth Third Bank on XXXX XX/XX/2023. The system contracted was supposed to be net XXXX for my property and receive credits from the electric company. My last electric bill was {$180.00}. Now we are stuck with systems with no warranty, no XXXX service, and monitoring. We all have loans exceeding $ XXXX and monthly electric bills that have not changed since installed. My electric bills for the last year are almost exact to what they were prior to having solar installed. XXXX XXXX still owes me four SMMS boxes, blow-in insulation for two attics, and compensation for an employee falling through my ceiling destroying my foyer and living room. We are now forced to keep paying a 20-30 year loan and monthly electric bill, file XXXX, or destroy our credit. It is currently effecting up to XXXX customers across 20 states. I filed complaints with the State AG, Congressmen, and Senators. 

XXXX continues to call and tell customers to have XXXX XXXX XXXX fix the system which is impossible. Solar companies do not want to touch these systems do to the XXXX, poor installation, and faulty equipment. We were told with the solar tax break we would receive XXXX rebate to put towards the loan. This was a absolute lie and now raised the monthly payment from {$290.00} to {$930.00}. XXXX stated they will not come and remove the faulty equipment from our properties. 


If you and the credit agencies could look into this, and prevent it from happening to great Americans in the future it would be appreciated. 

Thank you for your time. If you need any more information I can be reached at ( XXXX ) XXXX, or XXXX. 

XXXX XXXX XXXX
Product: Bank account or service

This complaint is in reference to Popular Community bank 's {$120.00}. bonus checking account promotion now in effect. 

Here are the small print rules : http : XXXX Retirees get once a month direct deposit checks. 

Since it takes the Treasury /Social Security 10-12 days to set up a new electronic bridge to the bank ... it is simply impossible for retirees to have XXXX checks deposited into the new account within a strict 90 day window as specified by the bank. 

The third direct deposit would always exceed the 90 day window-so the customer would forfeit their $ XXXX. The bank might as well have advertised people who do n't work ( earn weekly or bi-monthly paychecks ) need not apply. The XXXX checks within 90 days rule blatantly discriminates against the elderly, the XXXX and others who receive once a month income.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/2020 My credit score ( Transunion and XXXX ) has been dropped 43 points in one day without any reason. 

After point dropped I immediately checked details from different free providers like XXXX, XXXX. Checked report from XXXX website. And then checked with Transunion subscribing their paid product and found nothing changed so far. Everything 's are correct and nothing are new in the report. 

My last personal loan account opened in XX/XX/2020. After then I paid all installment on time and credit usage also decreased. Some old hard inquiries also removed. 

The factor of calculation they mentioned it was same and nothing changed. I didnt get my answer anywhere that what suddenly happened that I cant see that dropped score for 43 points?
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX have reported unauthorized collections and hard inquiries on my credit reports.I havent giving them access to my credit profile to give to third parties with my private and personal information without my hand written consent under the permissible purpose by law stating that its okay to report on my credit reports they are reporting illegally inaccurate false information about me these three companies above is violating my consumer rights to privacy persuant to 15 usc 1681b. I want all negative items from my credit report removed.
Product: Mortgage

Mortgage company refuses to disburse insurance proceeds and has been holding onto those proceeds while collection interest on our money. Are they in violation of any Federal Statutes? 

We have a VA backed loan with TruHome Solutions ( the mortgage company ), and they are demanding that we must use a licensed contractor with a signed contract, XXXX, waivers, etc, in order to receive incremental draws from the last $ XXXX check paid out by our flood insurance company. ( The outstanding balance of our home is around $ XXXX and our home is worth pre-flood $ XXXX. ) We have made multiple attempts to reason with them and in agreeing to take the incremental draws with periodic inspections as the work progresses. But they are adamantly refusing. 

Per the Texas Office of the Attorney General, Consumer Protection division, Texas does not require any contractor to be licensed. Nor do we see any provision in our signed deed of trust with the mortgage company that requires any such. In fact, section 11 of that document states in part, regarding Assignment of Miscellaneous Proceeds : If the property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lenders security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lenders satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. 

It appears clear to us that unless there is some other document we signed which states otherwise, TruHome Solutions is in breach of our contract in refusing to quickly inspect the property and release the funds. 

One other potentially noteworthy factor is that we are still displaced and are currently in the FEMA Transitional Housing Assistance program going on some 4+ months now. And while we appreciate the assistance, we would prefer to save FEMA funds and get back into our home ASAP. 

Thanks in advance for your help with this. Let us know if you need any more details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response, that you close my complaint that I sent, to Investigate the Erroneous Account : XXXX XXXX Balance : {$0.00}, that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I am submitting this complaint again, myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.