23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/year> ; I called Equifax and ask them tot report my missing account with XXXX XXXX ending XXXX XXXXXXXX. Representative number XXXX told me that I would have to contact XXXX XXXX and ask them to report the information. 

XX/XX/year> ; I called XXXX XXXX and informed them that account number ending XXXX was not being reported or my on my Equifax report. XXXX  XXXX reported that the account was being reported and I must deal with Equifax.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297.  Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to FCRA Section 605B I have made strong efforts throughout the year of 2017 to notify Equifax and XXXX of my identity theft and the accounts that are fraudulent. I have requested that these accounts be removed pursuant FCRA section 605B. I sent a copy of my identity theft report via certified mail and it is being handled as a traditional dispute letter as reflected on my credit reports. I have also disputed items via their websites and dispute letters and have not received communication honoring the law. 

The fraudulent accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your assistance.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/XXXX, I purchased a XXXX home generator from XXXX XXXX XXXX in XXXX, FL and had it installed at my home in XXXX XXXX, FL. The home generator was financed by Sunnova XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. The terms of the financing agreement was for me to make monthly payments for 18 months at 0 % interest. I have completed 15 of the 18 payments thus far. On XX/XX/XXXX, Sunnova filed a lien against my property with the XXXX XXXX XXXX XXXX XXXX XXXX stating that they have a security interest in my property due to solar panels supposedly being installed on my home. This is the third time ( once in XXXX and twice in XXXX ) that Sunnova has done this even though they have repeatedly been told that I do not have any solar panels installed on my home nor have I financed any solar panels with Sunnova. The previous two liens were removed after I contacted the company and filed complaints against them. I still do not know why Sunnova continues to engage in this fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX. EQUIFAX. XXXX I recently reviewed my credit report and found unauthorized inquiries and late payment. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete Thanking you in advance. 

I demand the following inquiries removed immediately. 

XXXX. NEVER HAD A LATE PAYMENT. AND ALSO I SEE FEW INQUIRES WHICH IS NEVER AUTHORIZED TO ANYONE. HERE 'S THE INFO. 

Inquirer Name & Inquiry Dates XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX also never lived this address. XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX My correct address : XXXX XXXX XXXX, XXXX, MN XXXX I demand the following other addresses much be removed immediately. 

Thank you
Product: Debt collection

My car was repossessed with Santander! I got behind on payments during covid. They gave me XXXX time of covid relief and then after that they said they couldnt help me anymore. Ive spoke to someone last month and she told me as long as i made two payments last month i would be in the clear. I made the two payments. I walked out my house this morning and my car was gone. The last letter I got from Santander was telling me i was preselected for financing another car. I never even got a phone call. I tried calling Santander and they are closed on Sundays! How can you repo someones car in a Sunday and then be closed. I have kids, a XXXX XXXX XXXX grandma. I need to know where my car is so i can atleast scrape together what I can to get it back.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I checked my XXXX credit report and it reports several student loan accounts, but I do not currently have a payment plan. I have asked for proof of this but they havent provided proof of any payments I have to make. I am under the income repayment plan and because i have no income, I have no minimum payment for my student loans at this time.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.Under 15U.S. Code 1681e ( b ) I would like this item to be removed.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXXXXXX XXXX for Inaccurate Reporting and Failure to Provide 1099-C To Whom It May Concern, I am writing to formally submit a complaint against XXXXXXXX XXXX regarding the inaccurate reporting of my account on my credit report. My account number is XXXX have disputed this account multiple times with XXXX, XXXX, XXXX, and Transunion due to its designation as a " profit and loss write-off. ", Inaccurate payment history, and Inaccurate account status. Despite my efforts, XXXX Bank continues to report this account inaccurately without providing me with a 1099-C form, which is required for such a write-off. This lack of documentation raises concerns about tax implications and compliance with the Fair Credit Reporting Act ( FCRA ). Under the FCRA, I have the right to dispute inaccurate information on my credit report, and I believe that XXXX has failed to fulfill their obligations in investigating and rectifying this matter. The continued reporting of this charge-off is not only misleading but also damaging to my credit profile. I request that XXXX immediately remove this charge-off from my credit report as well as the negative and inaccurate payment history until they can provide the necessary documentation to support their claims. It is crucial that my credit report accurately reflects my financial history, and I believe this accounts current status violates my rights under the FCRA. Thank you for your attention to this matter. I look forward to a prompt resolution. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Outdated negative information over 7 years old still appearing on consumer reports.
Product: Credit reporting or other personal consumer reports

Creditor has not updated my request to remove and close account for illegally reaging my account from XX/XX/XXXX to XX/XX/XXXX the creditor reaged my account more than 6 months. 

on XX/XX/XXXX i requested Please delete off my XXXX account because the creditor has re-aged my account and this a FCRA Violation. XXXX aged my account to XX/XX/XXXX however Experian shows XX/XX/XXXX creditor has failed to update dispute status, which is a violation please do not correct but remove from my XXXX report because high credit limit is inaccurate. XXXX and Experian shows different limit please remove off my report XXXX reported " 60 days late in XX/XX/XXXX but reported ok in XX/XX/XXXX this is inaccurate and unverifable
Product: Credit reporting or other personal consumer reports

Again I am disputing the collection reporting on my credit file. It is against the law to report information, especially inaccurate information on my credit file according to the FCRA laws. I have more than twice now reached out to the company and filed numerous complaints that now legal action will have to be taken. Ive explained my wallet was stolen from my purse and loan accounts were opened. This company did not obviously take better actions in verifying the identity of who opened it. It was opened online for one. Why is this company not responding and proving all Im asking for?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have late payments that need to be removed per XXXX XXXX and it's still showing on my XXXX XXXX accounts ending in XXXX and XXXX my letter is dated XX/XX/2018 and stated would be removed with in 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This inquiry is unrelated to me, I urgently request their removal from my credit report. 
XXXX XXXX XXXX Date of inquiry : XX/XX/year>
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address 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 resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent ano address 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 resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

On XX/XX/24, a fraudulent purchase was made on my Citi credit card at the ticket company XXXX. The credit card was still attached to this old XXXX account that had not been used for nearly two years. It had not been used because I had created a new account with a new email. On this new account, on XX/XX/24, I made a legitimate purchase at XXXX with this same credit card, requiring me to enter my CVV number. I believe somehow this number was taken and used to purchase tickets on my old account where the card was still saved. Note : XXXX does not implement basic security practices. For example, at the time I originally signed up, " log in with XXXX '' was the only option. You could not sign up with a username and password. They also, to this day, do not offer any XXXX options. 

Because of the digital nature of the item that was fraudulently purchased, the tickets were delivered immediately. I contacted XXXX within minutes of the notification email telling them this was fraud and they could have their tickets back. XXXX refused to engage and told me to contact my bank and file a dispute.

I contacted Citi and opened a case. On XX/XX/24, I received a notification that my dispute had been rejected and that the merchant had provided documentation confirming the charge was valid. I reviewed this documentation, which actually only proved that I could not have made the charge. For example, it showed that the IP address used to make the fraudulent purchase was in XXXX XXXX XXXX ( the tickets purchased were for a basketball game in XXXX that same night ). I live in Florida and was in Florida at the time. It showed the purchase was made from an iPhone using XXXX. I have a XXXX and use XXXX. I contacted Citi again to reopen the case and provided Citi various evidence showing I was in Florida on that day ( I sent my XXXX location history ) and that this was a zombie account that I don't even use anymore. 

On XX/XX/24, Citi rejects my fraud dispute again. They continually harp on the fact that I had made a purchase at this merchant a couple days prior as if that verifies the fraudulent charge was legitimate. This is, of course, ridiculous logic.

I do not notice this update for a while. On XX/XX/24, I contact Citi again. They repeat that the merchant provided evidence it was authorized ( again just harping on the fact I had made a charge there recently ) and that they will not reopen the fraud case. Of course, the " merchant provided evidence '' line is nonsense, but the phone reps just read from scripts and are unable to think for themselves about the facts of the case. I'm unable to speak to someone with any authority that I could walk through the specifics of the situation. If I were able to speak to anyone with common sense, it would be very clear to them this was fraud. After reminding the CSR of federal law regarding unauthorized charges under the FCBA, the CSR says she will forward the case to be reopened as a " regular dispute '' instead of a fraud dispute. At this point I have had enough and after doing my best to resolve through XXXX and Citi, I am reporting to the CFPB.
Product: Checking or savings account

Citizens bank placed a hold on my deposit and froze my account. I received a tax refund deposit on XX/XX/XXXX. Citizen bank placed a hold to investigate. Ive been cooperative and gave them all the proper paperwork to prove that the deposit was from XXXX who handles the deposits from the irs. They have me a expiration date of XX/XX/XXXX which is today to release my funds. I spoke to 3 different representatives and they all gave me different answers on whats happening with my funds. The first representative said XXXX extension. The second representative said XX/XX/XXXX. The 3rd representative said wait until the afternoon. I asked all representatives if I can speak to a supervisor and nobody put me on the phone with a supervisor.
Product: Debt collection

PAID ORIGINAL CREDITOR ALREADY! THIS BILL IN IN DISPUTE UNDER FCBA ACT. CEASE AND DESIST COLLECTION EFFORTS AND STOP CALLING MY WORK AND CELL NUMBERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching out on behalf of my late payments that occurred from XX/XX/XXXX to XXXX XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

I have been reporting disputes on my accounts since XXXX XXXX and nothing has been done about it. What is on my account is wrong. They keep taking it off and putting it back on with a different date. My information has been leaked to the dark web and I cant get any credit because my credit score stays low for almost 30 years now with the same information on it. Ive been trying to call them and get it off but they only say that its verified they will not give me anything to dispute it with. I have reached out to the companies. They never give me a wet signature or any dates that they got these so-called debts and I dont know what to do now my credit has not gone up in 30 years because of XXXX and XXXX and I never had an account with XXXX. There are countless addresses on my report that Ive never lived at and there was even a second Social Security number on my report that I had to have removed. Ive never lived in Texas. Ive always lived in XXXX XXXX XXXX XXXX XXXX but my credit remains in the XXXX range because the disputes wont go through.
Product: Credit card or prepaid card

Even though I have never authorized the activation of or lost the TD Bank Visa XXXX card # XXXX XXXX XXXX XXXX, a fraudster was able to replicate this TD Bank Visa and made numerous fraudulent charges starting XX/XX/XXXX : Card Number Ending in XXXX XX/XX/XXXX ; Reference # XXXX XXXX XXXX XXXX, CA : {$17.00} XX/XX/XXXX ; Reference # XXXX ; XXXX : {$87.00} XX/XX/XXXX ; Reference # XXXX ; XXXX  : {$86.00} XX/XX/XXXX ; Reference # XXXX ; XXXX  : {$89.00} XX/XX/XXXX ; Reference # XXXX ; XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX ; Reference # XXXX XXXX XXXX XXXX XXXX : {$210.00} XX/XX/XXXX ; Reference # XXXX ; XXXX XXXX XXXX, XXXX, NY : {$200.00} XX/XX/XXXX ; Reference # XXXX ; XXXX XXXX XXXX, XXXX, NY : {$62.00} XX/XX/XXXX : Reference # XXXX ; XXXX : {$130.00} XX/XX/XXXX ; Reference # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY : {$1000.00} XX/XX/XXXX ; Reference # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY : {$3200.00} XX/XX/XXXX ; Reference # XXXX ; XXXX WA : {$240.00} XX/XX/XXXX : Reference # XXXX Payment received {$20.00} XXXX Card Number Ending in : XXXX XX/XX/XXXX ; Reference # XXXX ; Payment received $ XXXX XXXX  : XX/XX/XXXX ; Reference # XXXX Cash Advance Fee {$54.00} XX/XX/XXXX ; Reference # XXXX ; Cash Advance Fee {$160.00} Interest charge-cash : {$11.00} These are the fraudulent charges, fees, and interests on the statement closing XX/XX/XXXX. There are additional Fraud charges, fees, and interests after this statement closing date, which I would have no knowledge of since the Fraudster changed my TD bank profiles such as fraudulent mailing address ( XXXX XXXX XXXX, XXXX XXXX, NY XXXX ), fraudulent cell phone number ( XXXX ) XXXX, and fraudulent e-mail address ( XXXX ). Therefore, I have not been able to log into the my online account since XX/XX/XXXX. 

Furthermore, on XX/XX/XXXX, I received a text from XXXX  regarding a suspicious cash withdrawal activity at XXXX XXXX XXXX XXXX for {$3200.00}. I replied the text as Fraud. TD bank replied back as " Your card may be restricted. However, this fraudulent cash withdrawal of {$3200.00} at XXXX XXXX XXXX XXXX, XXXX, NY still went through on XX/XX/XXXX. 

Even though all of these charges, fees, and interests are all from fraudulent activities and it would take up to 90 days to investigate, the TD bank Visa Fraud department would not issue any provisional credits while the fraud charges are under investigation and still insists that I am responsible to pay the minimum payment of {$200.00} due on XX/XX/XXXX in order to avoid my account to be reported as delinquent, which will affect my credit score. Please have all these fraudulent charges, fees, and interests resolved ASAP by XX/XX/XXXX the latest, so my account will not be reported as in delinquency.
Product: Bank account or service

Dear sir or madam, This is regarding my XXXX PayPal accounts created in my name : registered email address : XXXXXXXXXXXX email address : XXXXXXXXThey were permanently limited, stating that my account is in violation of PayPal 's own Terms of Service. I tried to explain it to them, but they will not listen and will hold my money for 6 months. 

At this time I have over {$1000.00}. in the accounts and I want my money NOW, not in six months. This is my money and I should get it immediately. To me {$1000.00}. is a lot of money and quite a hardship that they are keeping it. 

I already filed a complaint with the Attorney General of California ... and Paypal took the entire month to respond to me. And their response was not satisfactory. All I received is an explanation about why they suspended my account, but they did n't address the main issue. I want my money NOW not in 6 months - This is my money and I should get it immediately. 

Please help me. 

Thank you, XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/XXXX but XXXX  XXXX  and Transunion are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from XXXX data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 
Original Creditor : XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$110.00} Reason : Original Creditor : XXXX XXXX XXXX  Open Date : XX/XX/XXXX Status : OPEN Balance : {$550.00} Reason Original Creditor : XXXX XXXX XXXX   Open Date : XX/XX/XXXX Status : OPEN Balance : {$510.00} Original Creditor : XXXX  XXXX XXXX  Open Date : XX/XX/XXXX Status : OPEN Balance : {$490.00} Original Creditor : XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$11000.00} XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$790.00} Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX GA Open Date : XX/XX/XXXX Status : OPEN Balance : {$1900.00} Original Creditor : XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$2300.00} Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX Status : Discharged Amount : {$0.00} Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX Status : Dismissed Amount : {$0.00}