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

I am writing this complaint to bring to your attention a concerning issue I recently discovered on my credit report. On XX/XX/XXXX, I obtained a copy of my credit report from Equifax and was alarmed to find several unauthorized hard inquiries listed on my report. 


XXXX XX/XX/XXXX XXXX XX/XX/XXXX The Unauthorized hard inquiries in question were made without my knowledge or consent, and I have no affiliation with the entities that initiated these inquiries. As a responsible consumer, I regularly monitor my credit report to ensure its accuracy and to safeguard my financial well-being. 


I kindly request the assistance of the Consumer Financial Protection Bureau in investigating and rectifying this matter. I believe that these unauthorized hard inquiries are not only a violation of my privacy but may also negatively impact my credit score.
Product: Debt collection

I, XXXX XXXX XXXX, an avid consumer that knows my rights. Nowhere in Title 15 chapter 41 does it ever once mention the term borrower only referring to credit sales as consumer credit transactions. Every agreement I entered was a consumer credit transaction, in which I originated credit to said person for them to extend the credit back to myself. First these crooks have sent me bills without my consent, a violation pursuant to 15 USC 1692c ( a ), There's no time convenient for me to receive any deceptive means used by a debt collector to collect any debt, Pursuant 15 USC 1692e ( 10 ). I've disputed only with the firms on these alleged debts and each time the company has came back with false verifications. In the correspondence letters I've found numerous FDCPA violations ; 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), 15USC 1692d ( 2 ), 15 USC 1692j ( A ), 15USC 1692e ( 10 ), 15 USC 1692c ( a ) ( 1 ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 2 ) ( A ).
Product: Credit card or prepaid card

I fell behind with my credit card payments, because of a brief period of hardship. I contacted them several months ago, about bringing my card current. I was informed that if I pay a lump sum, and bring my card current, my card would be available for use. I did as they said, by paying over {$300.00}. I expected the card to be available for use, until several months later, when I tried to use it, I was told by the automated system, that the card was not available. I was VERY disappointed because I sacrificed {$300.00}, as a current XXXX XXXX student, just to bring the card current and be able to use it again. 

THAT WAS WHAT I WAS TOLD. 

Please bear in mind that I also have a car note with this company, which is current!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting negative items on my credit report that I have requested to be removed. I spoke with their customer service department about these issue around XX/XX/2023 but they did not resolve the issues.
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 XXXX USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and XXXX XXXX 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 have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit card

The account was opened without my consent on XX/XX/2023 the amount owed in my credit report is {$3000.00} I haven't taken any actions yet.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : National Credit System Account # : XXXX date opened XX/XX/XXXX bal. {$XXXX}, XXXX XXXX XXXX  XXXX Account XXXX : XXXX date opened XX/XX/XXXX bal. {$XXXX}, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$XXXX}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$XXXX}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

These accounts have violated my privacy rights by furnishing my personal, private, sensitive information without my written permission and after I've opted out of each of their privacy requests from their websites reporting, sharing, selling, and communicating. I'm enforcing the Privacy Act of 1974 which the FCC ensures that the procedures it implements comply with the Privacy Act, 5 U.S.C. 552a. 

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  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 items of information : other than records of convictions and crimes which antedates the report by 7 years, which I do not have.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that there 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 U.S.C. 1681.

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2, states a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C. 1681b states in depth that proof of permissible purpose of derogatory accounts named above must provide that I have given them written permission to report, share, sell, and communicate with third parties including the credit bureaus. Use of permissible purpose to delete negative accounts. Remove these accounts from my credit files within 4 business days because I did not consent to my written signature, the permissible purpose that you are unable to supply the documentation that supports me and the CFPB agency. Therefore the accounts must be deleted because they're illegally reporting on my credit files.

15 U.S.C. 287 states that anyone who knowingly presents false, fictitious, fraudulent claims that common defenses include lack of knowledge, mistakes of facts, duress, entrapment, or government misconduct to the United States can be imprisoned for up to five years in prison and a hefty fine. This la
w applies to individuals, organizations, corporations, creditors, contractors, and credit bureaus.

Under Section 605b the accounts and inquires should be removed within 4 business days.
Product: Credit reporting or other personal consumer reports

I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.
Product: Debt collection

I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX located at XXXX XXXX XXXX XXXX Texas XXXX at approximately XXXX on XX/XX/XXXX. I went in into the lab with a list from my doctor for tests to be performed. I paid in advance for the tests ordered because I do not have insurance and am on a budget. I paid for the ordered tests and had them performed. Then I received ( XX/XX/XXXX ) a bill for additional testing. I called the company and told them it was a mistake and that I had paid for all of the tests ordered in the office before they were done. XXXX then told me that the tests were " for my health because I really didn't know any better and they were just looking out for me and I should just pay it ''. I then asked for a manager and they said someone would reach out to me soon. I received no call back about the matter and received another invoice XX/XX/XXXX. Again I called and told them the situation, but this time when I asked for a manager I was told that there were none and that they could do any additional testing they felt necessary due to the results of my current labs. They wanted to " look more deeply into my issues for the sake of my health and I needed to contact my physician for the details ''. I called my physician and she had no idea why they would do extra testing. She only needed the ones she ordered. I got another invoice XX/XX/XXXX so I called back and demanded a manager, I was transferred after a two hour wait to someone who said they were in management but would not give me their name. She told me then that they could legally do any test that they wanted and I would be liable for the charges regardless. She also said on my receipt that it states that additional testing might be required and that was my notice. I told her I did not consent to additional test for my health and I am in a perfect state of mind to ok any additional tests. I paid for my tests ordered in office before they were done and that was that. She then informed me that she would send it automatically to my collections. I recently received an invoice from Credit Collection Services and have mailed them a dispute.
Product: Debt collection

XXXX sent me a collection debt notice, it is fruad. I dont have credit with XXXX  pay. And now I have a debt owe to XXXX. Its fruad.
Product: Debt collection

Apparently I was sued for an unpaid debt by midland funding LLC. They sued " me '' for an amount of  XXXX   '' in the county of   XXXX . I 've been trying to remove it off my credit reports. I never went to court or signed any forms stating admission of debt. Please help me resolve this.
Product: Debt collection

I believe FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Would you mind reviewing the documents? Some of the listed accounts are not correct, and it's causing me some discomfort.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Debt collection

I just filed two complaints with you against Honda Financial Services not working with me on my auto loan which will be paid off in XX/XX/2023 and harassing me by phone and now they are sending repo people to my door!!! I work for the XXXX XXXX XXXX XXXXXXXX  this is not only incredibly unfair and abusive and disrespectful, but a clear breach of Executive or 16 which XXXX XXXX put in to affect when the Covid pandemic started and has kept in affect and will continue to be in affect until at least XXXX, XXXXXXXX XXXX and could still be extended out further if he and Biden choose to do so!!! 

This order clearly states repossessions are not legal ; Executive Order 2002-16 prohibits any repossession of vehicles authorized by 810 ILCS 5/9-609 or 625 ILCS 5/3-114 for the duration of the Gubernatorial Disaster Proclamation, which is still in affect and will not end until XXXX XXXX or later!!! The idiots working for Honda Financial Services and their repo agents are in breach of the law and I WILL have them arrested and sue them if they come to my home or bother me again!! 

I know the laws and everyone at the police station as I worked as a deputy clerk helping l the judges and XXXX XXXX the circuit clerk foretell years before going to work for the State of IL IDES AND I have also reached out to XXXX XXXX ( the boss over our agency ) and XXXX XXXX ( his boss ) and my Republican State Rep XXXX XXXX about all!!! 

You should have made this clear to Honda Financial Services in the complaints I just filed as a federal regulator of financial institutions, the laws must and will be followed!! You can contact XXXX XXXX if you dont have the memo and zi have included some information for you to learn and share!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Auto Loan with account XXXX XXXX opened on XX/XX/year> and a balance of {$7500.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. I have asked several times for this XXXX old loan to be removed from my credit report at least 3 times in the last 3 years.
Product: Credit reporting or other personal consumer reports

This is my third endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$33000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be deleted ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX Date of inquiry : XX/XX/XXXX XXXX Date of XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX TO Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXXXXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

Dear Discover ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Debt collection

XX/XX/20 Results unlimited collected XXXX all the money we saved for a place of our own to live now they are holding XXXX from the same account. the original debt was for XXXX dollars. ( XXXX XXXX dollar. ) The check for ( XXXX ) was sign and cashed by their staff but was not reported as paid to courts. Our bank has the sign copy of the check. 
Results Unlimited XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I filed a FTC report and police report and submitted them with disputes with the credit agencies. These disputes were not processed correctly and I am not getting copies of the verification process