23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$11000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed a Financial Disclosure For Reasonable And Affordable Rehabilitation Payments on my student loans with XXXX. XXXX XXXX XXXX, XXXX They based the monthly payment amount on my income. This has been being paid monthly since XXXX/XXXX/XXXX yet it is still showing as a collection that payments are not being made on with all 3 Credit Bureau 's. 
This is incorrect and needs to be fixed back to the date of XXXX/XXXX/XXXX immediately.
Product: Money transfer, virtual currency, or money service

Two unauthorized transfers from my bank Citibank checking account on XX/XX/year> were sent to a person 's XXXXXXXX XXXX account * {$1900.00} at XXXX * {$550.00} at XXXX I contacted Citbank at XXXXXXXX XXXX  the same day ( witin 40 minutes ) -- the transaction said " still pending '' on my end. 

Citibank opened investigation but apparently did not put a stop on the transaction. 10 days later I still had not hear anything so I called Citibank 's fraud department. Citibank informed me the receiver 's bank account has been closed therefore Citibank will not refund or give me any protection against the fraud.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against * for the unauthorized and inaccurate reporting of a collection account on my credit report. This account has been reported without my consent or proper validation, in clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Violation Unauthorized Reporting ( FCRA 15 U.S.C. 1681b ) : * failed to obtain my explicit written consent to report this account. Reporting consumer information without permissible purpose is a direct violation of the FCRA.

Inaccurate and Misleading Information ( FCRA 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies are required to ensure the maximum possible accuracy of reported information. The presence of this account, without validation, is inaccurate and misleading.

Failure to Validate the Debt ( FDCPA 15 U.S.C. 1692g ) : I have not been provided with adequate validation or itemization of the debt. Debt collectors are legally required to furnish proper documentation proving the validity of a debt upon request.

Prohibition of Misleading Practices ( FDCPA 15 U.S.C. 1692e ) : Reporting this account without proper validation or consent constitutes a deceptive and unfair practice under the FDCPA.

Failure to Investigate Disputes ( FCRA 15 U.S.C. 1681i ) : Despite disputing this account, no reasonable or timely investigation appears to have been conducted by the relevant credit reporting agencies or *, as required by law.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. As a result, I request that the following fraudulent accounts and inquiries be blocked and deleted from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were not authorized by me and should be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I purchased a vehicle from a XXXX dealer through help from XXXX XXXX nearly two years ago. Just today I realized I was paying roughly 60 % interest on the loan monthly. I am paying XXXX dollars interest on a monthly payment of XXXX dollars. This is the highest rate I have ever heard of. I was unaware that this was going on. I don't know legally what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 Credit opened with Macy 's by someone under my name, home address, SSN. 
Contacted Macy 's Fraudulent department. 

XX/XX/2020 XXXX 's XXXX. Credit opened with XXXX 's for {$2400.00} by someone using my name, home address, and SSN. 
Contacted XXXX 's XXXX Fraudulent department. 

XX/XX/2020 Checking account opened with XXXX XXXX XXXX by someone using my name, home address, and SSN. 
Contacted XXXX XXXX XXXX Fraudulent department.
Product: Debt collection

Called in XX/XX/2018 XXXX  Hospital Billing department to get the final bill and detailed hospital to understand my part ( deductible after Medicare pays their 80 % of Medical Bills, my part is 20 % ) Was satisfied with the final part I owed and paid The Hospital XXXX  Hospital in full in XX/XX/2018.
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 XXXX 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 : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of several accounts and inquiries from my credit report due to my involvement in a recent data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have any accounts or inquiries impacted by identity theft or a data breach blocked and subsequently removed from my credit file. 
Below is a list of the affected accounts and inquiries that should be blocked and deleted in accordance with the aforementioned laws : Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$710.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$600.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$380.00} Inquiries : XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Cavalry Portfolio Serv, XXXX, XXXX and XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Details of the Issue : Cavalry Portfolio Serv is reporting two fraudulent collection accounts on my credit file : 1. Account Number XXXX : {$870.00} XXXX. Account Number XXXX : {$920.00} I have never had any contractual or financial dealings with Cavalry Portfolio Serv and have not authorized any accounts with them. These accounts are the result of identity theft, and I have previously disputed them as fraudulent with both Cavalry Portfolio Serv and XXXX and the other two credit reporting agencies.. Despite my disputes : XXXX and XXXX claims the accounts were verified but has not provided the method of verification, as required under Section 611 ( a ) ( 7 ) of the FCRA. In which Inhave also requested. Cavalry Portfolio Serv has not provided proper validation of the debts as required by the FDCPA. I which I have also requested. Specific Violations : XXXX. XXXX, XXXX and XXXX Failed to disclose the method of verification for the disputed accounts. Continued to report unverifiable accounts, violating Section 623 ( a ) ( 3 ) of the FCRA. 2. Cavalry Portfolio Serv : Failed to provide validation of the debt, including proof of the original agreement with my signature. Continues to report these debts without verification, violating the FDCPA and FCRA. If no verification is provided, the accounts must be permanently deleted from my credit report.
Product: Debt collection

Bull city financial sent me a bill for {$100.00}. I never received an original statement from the listed provider and asked bull city to give provider information to verify the debt and make payment to the original provider. Bull city refused to provide any provider information other than the name. An extensive search of records revealed that that individual is no longer in business in XXXX, does not work at any addresses listed, and does not have a functional phone number. this information was reported to bull city, who still refused to provide information to contact and verify the debt. Since that time, bull city has turned this over to credit agencies, negatively affecting my previously excellent credit score. If this is a legitimate debt, bull city needs to provide the providers information so that the debt can be verified and paid. Regardless, this needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I challenge you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I used the American Express online portal to request an additional authorized user on my AMEX XXXX card. I went through the prompts, read the legal disclaimer, and hit submit. After submitting my request, I received a credit bureau notification from XXXX  informing me of a hard inquiry on my credit bureau. 

I went back online to verify if there was any language where I consented to AMEX receiving my credit report, and there was not. I called AMEX directly and spoke to a rep who was unable to assist me with my problem. In asking her if i would have called AMEX directly would they have informed me of a credit pull, and she said they would have not. 

She then provided me with the number of XXXX to correct this problem on XXXX. I called them this morning at XXXX PST and was told to call the new accounts department at XXXX. The American Express rep said because i have a fraud alert set up on my account, a hard inquiry was made. I told him I have had fraud alerts placed on my account for over 20 years and this was the first time something like this had happened. 

I did not give any consent to AMEX to pull a credit report on my account. AMEX did not provide me with any information that having a fraud alert on my account would result in a hard inquiry. I am of the opinion that AMEX violated the Consumer Privacy Act. 

After going back and forth, the rep XXXX XXXX ID XXXX XXXX said they would remove the inquiry. He said they had a maximum time of 90 days to remove it from the credit bureau. I'm not sure if this is true and would like follow up on this since they were unable to provide me with an information in writing.
Product: Credit card or prepaid card

On XX/XX/XXXX, all my ( hundreds of thousands of ) American Express Membership Rewards ( MR ) points were frozen, per telephone inquiry advice of 2 MR representatives and a supervisor. They explained that the freeze would last up to 8 weeks for a " spin review. '' They said there was no way of knowing why my account was selected for review ( though I've been in good standing with AmEx since opening my account in XX/XX/XXXX ), and that there was no way to expedite the review and allow for my wife and I to secure airline award ticketing of limited availability for our 30th anniversary/retirement. 

The freeze also looks to result in an effective forfeit of 125,000 MR points. It happened immediately after successful online transfer of XXXX points to my linked partner airline frequent flyer program ( XXXX ), and prevented transfer of XXXX points to my wife 's linked XXXX frequent flyer account. I'd have no reason to travel with XXXX without my wife on this trip. 

The MR supervisor said she'd ask her " backroom '' to ask XXXX for my XXXX transferred MR points back from XXXX, but they now belong to XXXX and MR has no right to have the request granted. 

Furthermore there is no information available online indicating anything other than our MR account is in good order, and I have and was told by MR representatives I may not receive anything in writing about the status of my MR account. The supervisor said that I am best not to attempt any further online transfer of points, because that will only cause the " spin review '' to last longer. 

My American Express / MR account web page nonetheless continues to recommend redemption of my points for numerous awards. 

Had I not made a call to MR after attempting transfer of MR points to my wife 's linked XXXX frequent flyer account ( which triggered a pop up notice that the transfer can not be made at this time pending account review ), I would never in my wildest imagination thought that there would be anything more than a short ( 20 minute - 1 hr ) review -- let alone an 8 week review, and that all my reward points were frozen -- not just those I tried to transfer. 

The MR supervisor said she sent a " complaint to corporate, '' but could send me nothing in writing about it, could not identify who/what is " corporate, '' and could not tell me if I would get a response. 

There is also no information about a " spin review '' in any contract terms have with American Express, or any discussion of freezes of MR points. 

I ask that you do what you can to resolve this unacceptable situation, which has taken it's toll. 

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

I was never late and I disputed late payments that I noticed on my credit report and I have requested several times to be provided with the method of verification and the proof that I was indeed. I kept getting a response from the credit reporting agency that the late payments were accurate and that is what they received from the furnisher.
Product: Credit card or prepaid card

Aspire credit card closed my account because of a few late fees. I have always paid the card. I asked them to reopen the account and they said no they won't because of the late fees, which I paid.
Product: Checking or savings account

Subject : Complaint Against Sunnova Energy Corporation. for Breach of Contract, Non-Functioning Solar Panels, Meter Tampering, and Unauthorized Charges I am writing to lodge a formal complaint against Sunnova Energy Corporation. for their failure to honor the terms of our agreement, non-functional solar panel system, tampering with my XXXX XXXX, and unauthorized charges to my account. Despite multiple attempts to resolve these issues with the company, they have failed to take any corrective actions, leading to significant financial and service-related hardships over the past XXXX years. 

Details of the Complaint : Breach of Contract : I entered into a contract with Sunnova Energy International Inc. for the installation, maintenance, and provision of solar energy services through a solar panel system for a monthly payment of {$130.00}. However, Sunnova has failed to fulfill their contractual obligations, as detailed below. 

Dysfunctional XXXX Panels : Since the installation of the solar panel system, it has not functioned properly. Despite my repeated complaints and service requests, Sunnova has not made the necessary repairs or replacements. Consequently, I have not received any solar energy services for the past two years, which is a clear violation of the terms of our agreement. 

Tampering with XXXX XXXX : In addition to the non-functional solar panels, I have discovered that Sunnova has tampered with my XXXX meter. This unauthorized tampering has caused inaccuracies in my energy readings and billing, further compounding my frustration and financial losses. I am currently receiving monthly bills from XXXX between {$440.00} to {$500.00} from an average monthly bill of {$120.00}. 

Unauthorized Account Charges : Despite the non-functioning solar panels and the lack of services provided, Sunnova has continued to withdraw funds from my account. These charges are completely unjustified and amount to extortion, as I have been paying for services that were never delivered.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries were not authorized
Product: Debt collection

I XXXX XXXX hereby attaches a settlement offer from XXXX XXXX XXXX XXXX pertaining to an account with Home Depot. I am not disputing if I had an account with Home Depot. However, the issue I have is that this collection agency never forwarded a copy of transfer rights from Citibank XXXX to XXXX XXXX XXXX that they had been given the right to collect on a debt. The Federal Trade Commission has won millions from collection agencies in the past for improper procedures on the collection of debts. There is also a recent federal class action lawsuit against XXXX for serious Fair Debt Collection Practices Act violations. Accordingly, I wish to not join any class action. I will pay {$1000.00} to settle the referenced Citibank collection, and request that my name be cleared from all pertinent credit reporting agencies. XXXX XXXX XXXX knows the collection process, and stating that they have been referred on a collection does not comply with FDCPA guidelines. XXXX XXXX XXXX can send to my email address the acceptance of {$1000.00} payable within 10 business days by certified check, and the agreement to purge my file completely and delete from credit reporting agencies, or I will join the current class action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer is reporting an erroneous debt on my credit file and it must be removed. I recently checked my credit and noticed this debt on my credit file. I was under the impression this debt was being paid off but they were applying it to another account? My insurance was supposed to be taking care of it but because they kept delaying the process I decided to do it on my own. However, they never applied a single payment to the account I needed it to go to! I ended up finally being able to settle the account and they told me they would be removing the account from credit. However, I received a letter stating that the account would just report as paid. This is not what we agreed to and they must hold up their end of the negotiation. I am aware that the company has the ability to report his account to the bureaus as they deem necessary. Santander has the ability to remove any accounts since they are the furnisher. I have settled the debt with you and am now asking for a deletion letter to provide to the bureaus.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX an account opened in my name under XXXX ( which this business seems not exist ). Account number : XXXX i dont have the last XXXX of the account # and when i try to call CBNA for details i give them my social and they tell me no account is associated with that social. So after hearing that ; I disputed it with XXXX during the week of XX/XX/XXXX this was my second time requesting XXXX to remove the account from my report and they took less than a week to conduct an " investigation '' and have concluded that the results of said investigation i should not have access to. as stated previously I was XXXX XXXX  when the account was open and more specifically to the bottom of the XXXX. I'm trying to purchase a home and the fact that CBNA has an account open in my name and the credit bureau are reporting it as a negative mark but neither one can tell me anything about the account even though I own it. The account currently owes XXXX $ and is being reported as closed but as stated earlier is still be marked with a negative connotation. On XX/XX/XXXX is spoke with XXXX from XXXX customer service XXXX I.D . XXXX who said the investigation was concluded and that I never sent any paperwork in which I had and the documents i sent are attached in this complaint.