23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

In XXXX, a man named " XXXX XXXX '' and a woman named " XXXX XXXX '' from the company " XXXX XXXX XXXX '' ( license # :XXXX  XXXX  ) contacted us as solar panel vendors and construction contractors. We were told that we are eligible to get environment-saving rebates, from the government, if we sign a solar contract and install solar panels on our roof. XXXX XXXX also offered other environment-saving rebates from the XXXX XXXX XXXX. She suggested that she could help us build a guest room on top of the garage area at a very reasonable price. As a part of the agreement, she asked us to pay {$50000.00} in cash as a down payment to get the job started. 
Considering our XXXX  son has a XXXX XXXX, we accept their offer and their reasonable price to build a guest house for him on top of our garage. After a year of back and forth with the company representatives, no solar panels were installed and no guest room was built on the top of the garage. Eventually, they stopped answering our phone calls and closed their office. 
In addition, We discovered that they used our names and contact information to borrow {$140000.00} from a bank called " Pace Funding '' and about {$10000.00} from another bank called " XXXX XXXX '' but with fake signatures and telephonic voices. Now Pace Funding has placed a lien on our property and we have been charged loan payments through our annual " city property tax ''. 
Despite having a police report and FBI agents in our house to verify that nothing had been done as the invoice stated, we contacted " Pace-funding '' and " XXXX XXXX ''. The invoice was waived after several weeks of investigation by " XXXX XXXX '' but Unfortunately, " Pace funding '' didn't pay any attention to us and told us that we were also victims and could not do much for us and only emailed us a copy of a fake job report which had never been done on our property ( see attached documents ). After hiring an attorney, a few days later, the police informed us that they had a court order to arrest the bad guys. Since I am a XXXX XXXX XXXX man which is always an easy target for criminals, have tried to sell our property when interest rates were much lower, so that I could purchase a house that would be more convenient for me and our son. However, due to the property lien, we have been unable to proceed. Since XXXX, courts have been closed because of COVID-19. The fake invoice from " Pace-funding '' must still be paid and the court date is still pending. However, the plaintiff 's attorney has repeatedly postponed the date, so our home will be foreclosed and our credit will be damaged if we do not pay " Pace Funding '' the unfair amount via our property taxes. 
A Peace Officer from the Contractor 's State License Board visited us with her crew to check our property and verify our story. Her name is " XXXX XXXX '' and her contact number is XXXX,,,, XXXX,,,, XXXX. Email : XXXX. XXXX XXXX has worked on this case and can help if you have any further questions. The court case number is, ( XXXX ). 
... ... ..It would be greatly appreciated if you could assist us in this matter
Product: Checking or savings account

Subject : Complaint Regarding Transfer Agent for XXXX XXXX  and Failure to Provide Required Documentation I am writing to formally address several serious concerns regarding the handling of my accounts and documentation by the transfer agent for XXXX XXXX. The lack of transparency, failure to fulfill legal obligations, and improper handling of collateralized securities are unacceptable and have caused undue frustration and inconvenience. 

Failure to Provide Required Documentation : Despite my repeated requests, I have not been provided with copies of crucial tax documents, including 1099-OID, 1099-A, 1099-B, and 1099-C. These documents are essential for compliance with tax reporting and transparency. As a trustee, withholding such documents constitutes a breach of duty and trust. 
Improper Handling of Collateralized Securities : It is concerning that the collateral associated with the indebtedness of securities continues to be withheld without proper disclosure. I have not been presented with documentation in accordance with UCC 9-210, which I formally requested. This lack of disclosure undermines my confidence in the proper management of my assets. 
Violation of Fiduciary and Legal Obligations : The failure to provide adequate information and documentation represents a violation of the trustee 's fiduciary and legal responsibilities. As a holder of these securities, I am entitled to full transparency and disclosure of all transactions and agreements involving my assets. 
Requested Actions : To resolve this matter, I request the following actions be taken immediately : Provide copies of all requested tax documents ( 1099-OID, 1099-A, 1099-B, and 1099-C ) without delay. 
Disclose all information and documentation related to the collateralized indebtedness of securities, in compliance with UCC 9-210. 
Conduct a thorough review of the handling of my accounts and provide a written explanation addressing the delays and failures to meet disclosure obligations. 
Outline corrective measures to ensure compliance with all fiduciary and legal responsibilities moving forward. 
Failure to address these issues in a timely manner may result in the pursuit of further legal and regulatory actions to ensure compliance. Please respond to this letter within 30 days with a detailed plan to address these concerns. 

Thank you for your immediate attention to this matter. I look forward to your prompt resolution and a written response. 

without prejudices by XXXX XXXX, Agent on behalf of XXXX XXXX
Product: Credit reporting or other personal consumer reports

The account continues to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX BALANCE {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from CFPB that you closed my complaint to protect my PRIVACY. I called XXXXExperian after I purchased a credit report from XXXX XXXX XXXXated XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Addresses and accounton my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time. XXXX of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. 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. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

Creditor : Midland Credit Management Balance in question : {$1200.00} Company action : Attempt to sue and/or garnish wages
Product: Vehicle loan or lease

My fiance and I co-signed on a car loan through Chrysler Capital for a used XXXX XXXX XXXX for {$17000.00}. By the time we had signed for the car and saw our loan balance it was {$23000.00}. They did not tell us the APR percentage as we were first-time car buyers eager to own our first vehicle as a family with a son on the way. Within 6 months of having our loan ( $ XXXX monthly payment on a 6-year loan with a 29 % APR ), our car was repossessed. The tow yard they took our vehicle to refused to give us our personal property ( including urgent medications and continued to say it was not in the vehicle ) unless we paid {$150.00}. We ended up having to borrow money from relatives because losing the car and having a loan for {$10000.00} more than the car was worth was not something we could afford and would ruin our chances of having a vehicle for the next 6 years. We borrowed {$2300.00} in total to get our car released back to us. We have successfully paid every month since then, besides 2-3 late payments due to job loss from COVID-19. We were speaking with a relative about our car loan and APR and they were floored and said that is an illegal practice, so I looked into the consumer finance website. I was going to file this a month ago so we could get a FAIR payment on the value of the car at purchase, but unfortunately, I was getting onto the XXXX on the on-ramp and a coyote darted in front of me, I swerved to the left to avoid it and there was no guard rail so I ended up flying over a hill and the car crashed back onto the floor in an embankment full of trees which I avoided, but all of the airbags went off, thus totalling the car. It is now worth less than {$4000.00}. I contacted my insurance agency ( XXXX ) and they took a month to complete my claim and tell me that it would not be covered to get my car out of the tow yard. I then contacted relatives and was able to secure a personal loan for the value of the vehicle and the tow yard fees. I then called Chrysler Capital and offered them that amount in return for closing my loan out so they would not lose money on getting my vehicle from the tow company, on top of letting them know if they do not accept the offer we will BOTH have to file for bankruptcy because we can not pay {$16000.00} on a car that they took back and sold, on top of paying the exorbitant interest rate they charged us. They refused, got the car from the tow yard and are set to sell our vehicle XX/XX/XXXX for less than {$4000.00} and we will still owe {$15000.00} for a car we do not have. This is my last step before my fiance and I both file for bankruptcy. Any help would be SO greatly appreciated because we were truly being used for our low credit so they could make money on top of the millions they profit, while we are left bankrupt, without a car and a XXXX-month-old to care for with no transportation. We also just received an offer in the mail to refinance through an entirely different company for {$340.00} a month, cutting {$160.00} from our bill. Every time we called to refinance they said they would not due to the repossession that happened due to Chrysler price gouging us.
Product: Credit card

I made all the payments yearly and paid XXXX dollars to open the account.I don't have very good credit this is the reason why I open the account and now they are charging me {$70.00} they say I still owe I never received a credit card from them they sent it to wrong address.
Product: Credit reporting, credit repair services, or other personal consumer reports

My business closed in 2017. Citi Bank and I were negotiating payments, the amounts were charged off. Three years later Citi Bank still files a late payment each month which is killing my credit score. I am not late on any account I have and I pay my bills on time. Citi is preventing me from getting credit. Because it was charged off when you call they don't see the account and tell me they can't help. Frustrated!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to the inadequate customer service and unfair practices which violate the customer financial protection act ( CFPA ) specifically cash app failed timely snd effectively measures to prevent and addressed fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolutions under the electronic fraud transfer act ( EFTA ) and regulation E. These Actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent INQUIRIES from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any INQUIRIES listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called Equifax and spoke with a customer rep manager on the phone, XX/XX/XXXX, to inquire about the hard inquiry from XXXX XXXX. Speaking to the manager, I informed him that I was told from a Equifax rep, XX/XX/XXXX, that I couldn't remove the XXXX  XXXX hard inquiry then. The manager advised me that it would fall off my credit report automatically XX/XX/XXXX since it will be at the two-year statue. Today is XX/XX/XXXX and it's still on my Equifax report, yet it fell off my XXXX report.
Product: Debt collection

XXXX is a Debt Collector. I never did business with this company. This is an identity theft case.
Product: Credit reporting or other personal consumer reports

I sent this letter to LVNV FUNDING LLC They are in violation of 15 USC 6802-6805 and the Privacy Act of 1974. 
It is also inaccurate because it's showing having different remarks.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ACCOUNT NUMBER- XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX To Whom it XXXX concern, There is information that's on my consumer report that is a result of identity theft.I did not provide written permission, or instructions for the identified transactions to be reported on my consumer report.I am requesting that the reporting of this information be blocked and deleted.My request to block is not being made in error, nor is my request to block being made on the basis of a material misinterpretation of fact by me relevant to the request to block the identified transactions.The identified transactions are not information related to any transaction by me as the consumer : Fraud accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Hard Inquires XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX T XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice.I look forward to your response. 



Respectfully Submitted, XXXX XXXX, XXXX [ Agent/Beneficiary ] Without Prejudice.All Natural Alienable Rights Reserved
Product: Credit reporting

I 've disputed this information with both Equifax and notified them each time that i am a victim of identity theft and they have refused to block or remove these accounts after I provided all required documentation. I am at the point where I will take them to court if neccessary as well as the creditors for failure to remove this information. I do NOT CARE that these accounts are positive and that they are not hurting my credit file - they do NOT belong to me, I did NOT open them, I did NOT apply for them. In addition, I had requested the actual proof, physical firsthand knowledge that verifies that these belong to me and I did not receive anything. Pursuant to section 609, the credit bureaus MUST have the physical documentation in their files PRIOR to even reporting the accounts which means that they # 1 already have the " proof '' and # 2 section 609 makes available to me all documents in my file for me to review. Section 605B states that these accounts must be blocked and investigated and I can see that none of this has occurred. I also do not see the required notice of dispute on my credit file which means that they are also in violation of section 623. These are the accounts that must be blocked and do NOT belong to me : These are the accounts resulting from identity theft and need to be blocked and then removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are resulting from fraud : XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/year>, I was presented with a timeshare subscription offer in XXXX. I paid an amount of {$1500.00} USD as part of the agreement, but neither I nor my partner authorized any charges to be made in the United States. My partner, XXXX XXXX XXXX, was present that day but was not involved in signing or agreeing to the subscription. 

Despite this, the company has placed this account in collections in the United States, even though we never agreed to accept this debt under U.S. jurisdiction. No services from the subscription have ever been used, and we did not authorize any additional charges beyond what was paid at the time of signing in XXXX. 

Actions Taken : XXXX. We clarified that no authorization was given to process this debt in the United States. 
XXXX. We attempted to resolve the issue with the company directly to prevent the matter from escalating to collections. 

This situation has affected both my credit and that of my partner due to unauthorized actions by the company in a different jurisdiction
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report information that is incorrect. The account listed as XXXX XXXX Account # XXXX has late payments and other information within the account is different from each consumer agency this means this account has not been properly verified or investigations into my previous disputes. Neither consumer agency has access to my private transactions history if they did this would be a violation of my right to privacy and then you could be held civilly liable for damages. Account Rating is different, Creditor Remarks are incorrect, Last Payment, Creditor Type. This account could not have been properly handled due to these inconsistencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive d a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C Sec. 168i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct, So, would you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to compete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company sent nothing received
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Account Name : XXXX XXXX XXXX Date of inquiry : XX/XX/year> Account Name : XXXX XXXX Date of inquiry : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAD MY ID STOLEN EARLY   XX/XX/XXXX  A ND DID N'T REALIZE IT TILL RECENTLY. I HAVE FILED EVERY FRAUD REPORT AND ID THEFT REPORT AS WELL AS FROZE MY ACCTS. I HAVE NOTIFIED ALL THE CREDIT AGENCIES AND CONTACTED THE CREDIT CARD ACCOUNTS THAT WERE OPENED OR ATTEMPTED TO OPEN TO NOTIFY THEM OF THE THEFT. HOWEVER,  CHASE CRE DIT CARD COMPANY CONTINUES TO RUN MY CREDIT ALMOST 2 TIMES PER MONTH EVERY MONTH AND NOT CALLING TO VERIFY MY INFORMATION AS REQUESTED. I HAVE CONTACTED EVERYONE AND THEY ALL SAY OH WE WILL STOP THIS BUT THEY CONTINUE TO DO IT EVERY MONTH. THE MOST RECENT IS XX/XX/XXXX  AN D XX/XX/XXXX . MY CR EDIT SCORES WERE OVER  XXXX  AND I HAVE BEEN SAVING FOR A HOUSE AND NOW MY CREDIT IS IN THE  XXXX  DUE TO ALL THE HARD INQUIRIES FROM CHASE BANK. I DO N'T KNOW WHAT ELSE TO DO? PLEASE HELP! I HAVE ALSO STARTED A CASE WITH   XXXX   XXXX   XXXX   XXXX   TO HELP WITH THIS BUT ITS NOT DOING MUCH GOOD EITHER. WHAT CAN I DO?
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX