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

The agents of a solar company ( The XXXX XXXX XXXX ) came to my house to pitch solar and advised they could get their partner, Mosaic to finance the project for {$51000.00}. This was back in XX/XX/XXXX. The company received the project money from Mosaic and disappeared without completing the project. All efforts to reach them have proved abortive, I have also brought this to the attention of Mosaic but it appears Mosaic is covering up for the solar company and no one is helping to get a resolution. Mosaic wants me to continue paying for a project that was not completed as agreed and threaten to non-payment will affect my payment. I have been making payments of {$190.00} to Mosaic, until XX/XX/XXXX when I realized Mosaic was not doing their best to ensure the project they are financing is completed. 

I have attempted to resolve the case through arbitration but the XXXX XXXX XXXX 's address on the contract seems to be fake as all the mails. I have attempted to serve them letters through the United States Postal Service were returned undelivered. I have called, texted, and emailed all the representatives and agents of the company, but they ignored and no one has responded to complete the job. Since over XXXX months now I have not been able to use the solar and I keep making payments to Mosaic. 

The point of wanting solar for my home was so that I could reduce electricity bill. But this situation has left me paying XXXX bills now ; XXXX to XXXX for the uncompleted solar project and the other to my electricity company. The solar company appears to use me to get money from their business partner, Mosaic and disappeared without completing the job. I also have a family friend who is also a victim of this vendor/ business fraud. 

I have asked Mosaic if they could get another company to complete the project so I can use the solar but no response has been received. They just keep telling me they are waiting for the Solar company to respond, since XX/XX/XXXX, I have been complaining to them. I am frustrated that I have to endlessly make payments to Mosaic without knowing when I can use the solar and they just keep threatening that my credit score will be impacted if I don't pay for a project I am not benefiting from. 

I have attached the notice of breach of contract to the company and Mosaic which they never responded to, failed mailing attempt to reach the company, contract documents and emails thread with both Mosaic and XXXX XXXX XXXX. Please let me know if you need additional information. 

Thank you,
Product: Bank account or service

I opened a checking account with XXXX in XXXX XXXX. The checking account had a promotion that if I met certain requirements I would receive XXXX XXXX miles. In XXXX XXXX I met those requirements. I inquired about the bonus and they told me it should post within 90 days of meeting the requirements. After 90 days I had still seen or heard nothing. I called Citigold the XX/XX/XXXX to inquire. They told me the points should post by the end of XXXX. On XXXX XXXX, I called to inquire and was told a formal investigation needed to be filed since the points had not been deposited to my account and that they should 've done that during my first call in XXXX. Almost a month later, I called today and the investigation is still pending ( it can take up to 120 days ) and they can give me no further information. XXXX has confirmed with me every step of the way that I have done everything I need to. Since the 90 day window of meeting the requirements has passed, they have charged me XXXX {$30.00} account service fees. They have objected to refunding my account fees and will continue to charge me until this issue is resolved.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, PayPal sent me an email saying our business account is limited because, I quote " We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. '' After reading their User Agreement multiple times, it was clear there was no violation. 

PayPal is a licensed money transmitter in every state and failed to do its job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I worked for a former employer, but have noticed they are running background checks on me and I have not worked there in over three years. The latest notification was XX/XX/2020. 

The employer was XXXX XXXX XXXX services. 

The background was pulled by Sterling XXXX XXXX I am worried about this as several employees had identity theft and other fraduent charges they were convicted of. I know this as I used to review the reports. 

I am worried someone in the organization is doing this and trying to use accounts or commit fraud on my accounts.
Product: Credit reporting or other personal consumer reports

Subject : Request for Method of Verification Disputed Item on Credit Report To Whom It May Concern, I am writing to dispute the accuracy and validity of an entry listed on my credit report, which I obtained from your agency that is still on my credit report after I dispute these inaccuracies in XXXX, 2024. The entry in question is as follows : XXXX XXXX Account Number : XXXX Nature of Dispute : date opened incorrect, date of last activity incorrect, payment history incorrect Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to a detailed explanation of the steps your agency took to verify the accuracy of this information. Specifically, I am invoking 15 U.S.C. 1681i ( a ) ( 7 ), which requires you to provide a description of the method used to verify the disputed information.

In addition, I would like to emphasize the following provisions of the FCRA : 15 U.S.C. 1681e ( b ) XXXX XXXX XXXX reporting agencies are required to follow reasonable procedures to assure the maximum possible accuracy of the information reported. 
15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Duty to Conduct a Reasonable Reinvestigation Upon receiving my dispute, your agency is required to investigate and verify the accuracy of the information within 30 days.

15 U.S.C. 1681i ( a ) ( 2 ) ( A ) Notification of Information Furnishers If the information was provided by a third party, you must notify them of my dispute and provide me with the name, address, and contact details of the furnisher. 
I have reason to believe that this information is either inaccurate, outdated, or unverifiable. Therefore, I am requesting that you provide : A detailed explanation of the method of verification used to confirm the accuracy of the disputed information. 

The name, address, and contact information of the source of the information. 
Any documentation or evidence used during the verification process. 
If you are unable to provide this information or if the information can not be verified, the FCRA mandates that the item must be deleted from my credit report immediately.

I expect your written response within the 30-day period outlined by law. Failure to respond adequately will leave me no choice but to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my states attorney general, and potentially seeking legal remedies. 

Thank you for your prompt attention to this matter. I look forward to receiving your response. 

Sincerely, XXXX XXXX
Product: Mortgage

I was behind on payments leading up to XX/XX/XXXX. I had accumulated all of my past due payments and was calling Mr. Cooper to get wiring information and at that time, they told me that I didn't have to make that payment and there was a " great '' new government program out, and I didn't have to make payments and could use the money for other things. They lured me into this program, aka CARES Act Forebearance, with the " promise '' that the payments would go into the end of the loan. I was promised no late fees, no required payments and that the balance would be added to the end of the loan. Now, come to find out, they are telling me I need to pay the lump sum or give up my home. This was financial entrapment. The reason I was initially behind was because Mr. Copper increased my mortgage payment by 34 % in XX/XX/XXXX, claiming that the prior servicer had not calculated or collected escrow correctly. The prior servicer, XXXX, XXXX had on numerous occasions required excessive and predatory amounts of third party fees and expenses to keep the loan current and in place. No one has been able to substantiate what months and what amounts of escrow were not paid accurately or correctly doing the life of this loan, causing the 34 % increase in my payment prior to forbearance. I have owned this home for 21 years and I feel like I have been intentionally placed into a precarious place by Mr. Cooper and XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following account is violating my consumer rights as the account is reporting a late payment and it is against the law to report late payments on my credit report under the following consumer laws : 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law I LII / Legal Information Institute 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- Report containing information solely as to transactions or experiences between the consumer and the person making the report. 

The following XXXX 's account is inaccurate and reporting a late payment for XX/XX/2022.
Product: Debt collection

The original dept was with XXXX  for bill balance. The dept was sold to Franklin dept collections who contacted my parents who are not in good health to try to collect the dept. The dept has been removed from my report numerous times. Our service now is with XXXX. In my mind now this is just noise because XXXX paid the bill for us to move service to them. 

Please remove from report Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion charged me on my credit card for credit checking services that I did not request. 
The charges were as follows on my XXXX Credit Card XX/XX/XXXX for {$29.00}, XX/XX/XXXX for {$19.00}, XX/XX/XXXX for {$19.00}, XX/XX/XXXX for {$19.00}, XX/XX/XXXX for {$19.00}, XX/XX/XXXX for {$19.00}, XX/XX/XXXX for {$19.00}, XX/XX/XXXX for {$19.00}, Total Card Credit Bill = {$160.00}. 

I discovered that my credit card had been charged in early XX/XX/XXXX. I called Transunion Company on XX/XX/XXXX. It was my understanding that Transunion would refund me for all of the above charges. Instead, Transunion refunded me for only {$19.00}. I contacted my credit card company which is XXXX XXXX. They refunded me for two months of charges. Therefore, the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX bills have been refunded to me ( 2 x XXXX by XXXX XXXX XXXX and {$19.00} by Tansunion ). 
I am requesting that the other charges for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX be reversed and that I get a refund for the charges for a total of {$100.00}. 
I called Tranunion Company on XX/XX/XXXX in order to resolve the issue. I called Transunion ( Ph XXXX ) and spoke to an Employee/ Supervisor with the name of " XXXX XXXX '' He refused to give me his last name. He gave me the following reference number : XXXX. The company refused to credit me for the charges.
Product: Debt collection

I had a balance of {$15000.00} with XXXXXXXX XXXX XXXX This debt was transferred over to Capital Management Services in XX/XX/XXXX. I made an agreement with them to settle the total balance for less. The settlement amount was for {$4600.00} in XXXX installments of {$1500.00} as follows : due dates : XX/XX/XXXX {$1500.00}, XX/XX/XXXX {$1500.00}, XX/XX/XXXX $ XXXX these were to be AUTOMATICALLY deducted from the bank info I provided them. 
See attached agreement letter and first payment deducted from my bank. 
They deducted the first installment. Mid agreement they sent this debt back to XXXXXXXX XXXX XXXX. For some unknown reason they refused to deduct the other 2 payments. I contacted Capital and they stated the account was no longer with them and I have to contact XXXX, when I contacted XXXX they gave me the runaround and told me the account was with Capital Management. I had no other choice but to mail XXXX the 2 payments, with a letter of explanation ( see attached ) that they did not deduct, in the hopes that they will accept it. They ended up taking those 2 payments which should've then satisfied the balance as per agreement with Capital Management, yet they still claimed I had an open balance minus the difference of the 3 payments made.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past few months, i ve tried to get Equifax to report my credit line which would then raise my credit score and always its the same response. The CSR would then asked to verfiy my id, so i mail in the request and alongside by faxing it twice from my Credit Union as well. The CSR always claim to never recieved such or to resend my verification id, yet some CSR do find the paperwork in their system already. Furthermore, i ve tried to debate that my credit card company XXXX XXXX does send a monthly report to all credit agencies and its on their side thats not processing the information given. However, in recent XXXX and XXXX is now reporting all on time payment as well.
Product: Credit reporting or other personal consumer reports

XXXX is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries and I demand that they be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate Information must be removed. These inquires has caused me to be denied credit and has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. REMOVE NOW >>>>>>>>> CAPITAL ONE -Inquired on XXXX XXXX XXXX XXXX inquired on XXXX XXXX XXXX - Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX
Product: Checking or savings account

Goodmorning, I bank with Chime I have for about 2 years now. Sadly I was XXXX from XX/XX/XXXXXXXX XXXX XXXX roughly 6 almost 7 months. When I get home I actually have to buy a new phone and get a new wallet and ID because someone had stolen them while I was in XXXX. So I get a new phone and access my email address and check on my funds that I had saved up in my chime account. Well unfortunately someone stole over {$8000.00} from me during the time that I waXXXX XXXX as well as taking my ID & social. So immediately I file a dispute show documentation through the court and sheriffs office to prove I was XXXX during the time being & that these were unauthorized transactions. I also filed a police report about the matter and sent them this documentation as well. My Dispute claim was DENIED though I showed supporting documentation as well as a police report and also employees at chime assured me that I had nothing to worry about but I need the money that I worked so hard for thats literally my life savings I cant pay my bills or even attain a lawyer for my legal troubles. The dispute number is ( XXXX ) I also have documents and everything I need to prove that it was not me whom did this, the person used XXXX to wipe my card by attaching my card information to their account and pulling money as well as paying personal bills out of my account. I have all of this as evidence and would like this resolved.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX COMMONWEALTH FINANCIAL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious COMMONWEALTH FINANCIAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  reverse late payment fee for late payment of XX/XX/2021, I explain to XXXX this is an app issue and my bank account was disconnected and thats the reason for the late payment.. according to 15 USC 1681 602A states I have the right to privacy 15 USC 1681 section 604A it also states a consumer reporting agency can not Furnish account without my written instructions 15 USC 1666A a creditor may not treat a payment on accounts under an open end consumer credit plan as late for any purpose. Attach is the email stating they reverse my late payment fee as well also on Experian its being reported as XX/XX/2021 XXXX its being reported XX/XX/2021 this information is all inaccurate this is a Violation of my federally protected consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2013 with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureau never sent me the full procedures that were took to investigate the inaccurate accounts being reported on my credit profile such as the original contract, my wet ink signature agreeing to terms on contracts with credit and ectExperian violated my right under the FCRA Experian never sent me the full investigation that they took to validate that accounts I demand that Experian Removed the 2 inaccurate accounts off of my credit report immediately the two accounts below are being reported inaccurate and doesnt belong to me and is being reported inaccurately on my credit report please remove immediately. Thanks Inaccurate Accounts : XXXXXXXX XXXX XXXX Account number : XXXX XXXX XXXX  XXXX Account number XXXX, has violated my rights.

15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company inaccuratley reporting on credit report. Refuses to update payments. Cousomer Service veey rude states will not discuss actions taken to fix. States special rules with my account and will only comnunicate via mail for my account. Advised to send email only and emails were exchanged. 
Company is retaliating for having filed a complaint. 

Information from XXXX XXXX accurate and is updated in minutes of any action on my report. Company continues to yo yo around with my credit amount originatikn amount and now my payments.