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

I am writing to formally request the removal of fraudulent accounts from my credit report as I am a victim of a recent data breach. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), which require credit bureaus to block information on accounts that were opened or used fraudulently. 
Fraudulent Accounts XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$170.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$1000.00} XXXX. XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Amount : {$1000.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$590.00} XXXX. XXXX XXXX XXXX XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$680.00}
Product: Debt collection

I received a 3rd party collection letter from Pappas Hayden Westberg & Jackson PC a debt collector. Regarding an alleged account with XXXX XXXXXXXX XXXX XXXX The 3rd party debt collector has no written consent to have my personal info, let alone use of it. This is in direct violation of the FDPCA and the FCRA and US Codes. 

XXXX XXXX XXXX XXXX  has not received consent from the consumer to transfer any personal info, nor have they requested consent or Noticed the consumer. This is in direct violation of the FDPCA and the FCRA and US Codes.

Pappas Hayden, while sending a letter as a debt collector, provided nothing to show I gave consent to XXXX XXXX XXXX XXXX to transfer any information to Pappas Hayden. Nor did they provide any forms, contracts or agreements signed by XXXX XXXX to use of personal information. This is covered under Kansas Statute 21-6107 Identity Theft or Identity Fraud is to possess, transfer or to use any personal identifying information, belonging to or issued to another person, with the intent to defraud that person, in order to receive any benefit. which is exactly what Pappas Hayden is doing. PERIOD As used in this section Personal Identifying information is : 1. Name 2. Birth Date 3. Address 4. Telephone I skipped XXXX I felt they were NA 12. Electronic signatures 13. any financial numbers!! 
I am not being dismissive, I'm not angry but I have been down this road before. I will pay anything you can legally prove I owe, and/or produce the original contract with wet signatures not a copy of a contract or a " thorough careful review '' or an analysis of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit bureau to do a verification of everything on my credit report and they did and stated that everything was accurate so I did a thorough research myself and found improper inaccuracies on my report after the research. 


XXXX Account XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 

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 instruction.
Product: Credit card or prepaid card

On XX/XX/, I received a letter from Barclays stating that my application for a Barclays Mastercard Black Card was denied because its " review of my prior interactions with Barclays allegedly evidenced cardmember behavior toward Barclays ' representatives which allegedly did not comply with its expectations. '' Those assertions are patently false and defamatory. I have never had any prior interactions of any kind with Barclays that " evidenced cardmember behavior toward Barclays ' representatives which did not comply with [ Barclays ' ] expectations ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX, I resides at XXXX XXXX XXXX XXXX, XXXX GA XXXX. On XXXX the XXXX 2021 I sent the 3 credit bureaus EQUIFAX, XXXX, XXXX XXXX a demand to see Verifiable Proof ( an original contract with my signature on it ) they have on file of the accounts I'm disputing. Its been 30 days later I sent them another letter asking for my results of my investigation, and still nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/2020 XXXX Date XXXX inquiry XX/XX/2020
Product: Debt collection

They call me at least 20 times a day. From different numbers. Now using my phone number to spoof others. The calling has been harrissingly repeated for over 3 months after I tell them I will be paying back but am financialy drowning. I want to even change my number because it's so non stop. capitol one They call from different numbers with my area code. I have MONTHS of these calls, attached are only a few DAYS worth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up with KikOff lending and set my payments for the monthly XXXX on AutoPay. On XX/XX/2021 I was notified that my credit score had dropped by 138 points!!!! This is a tragedy because after investigating, the payment was never taken and it should have been. Nothing changed on my end, the card on file is the same! The company does not have a phone number and I have no where to turn as I am attempting to purchase my first house. I need my points back and my payment history updated as this was NOT my mistake and ALL of KikOFFs!
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VIITIM OF AN IDENTITY THEFT, THE WELLS FARGO ACCOUNT ON MY XXXX  CREDIT REPORT IS FRAUDULENT, I HAVE SENT NUMEROUS TIMES MY IDENTITY THEFT REPORT ALONG WITH MY PERSONAL STATEMENT AND MY ID CARD. THE CHARGES ON THAT ACCOUNT IS FRAUDULENT, I HAVE NEVER REQUESTED TO HAVE A SECURED CREDIT CARD FROM WELLS FARGO. AGAIN, I MA VICTIM OF AN IDENTITY THEFT,
Product: Debt collection

IN 2005 OVER 10 YEARS AGO I HAD AN ACCOUNT WITH XXXX AND AFTER MY CONTRACT RAN THROUGH DISCONTINUED SERVICES. MIDLAND FUND HAS SINCE BOUGHT THIS JUNK DEBT AND HAVE BEEN CONTINUING TO PERSUE AND REPORT THIS TO THE CREDIT BUREAU AND HAVE ADDITIONALLY PADDED THE AMOUNT INITIALLY WRONGFULLY REPORTED AS OWED.
Product: Checking or savings account

XX/XX/XXXX, online banking I forgot my password I wasn't able to verify with a code Golden XXXX online they have an old phone number I can't verify with code, I have in the past notified golden one about this problem they have not changed it. XX/XX/XXXX, Online banking, I forgot my password again I see that my old phone number is still active on Golden XXXX again I could not verify my identity. Golden XXXX is changing my secret answers for the verification process to questions I did not choose. XXXX  online banking had my recent phone number attached all of sudden it switched back to old number I would not put my old phone number then I will never get to see my transactions or see my balance. Golden XXXX is wrong changing my phone number to one I do not have access to.
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 proce 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 XXXX financial loss, and I seek appropriate redress for these violations. I want all monies that was reported to be refunded
Product: Credit reporting, credit repair services, 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. 

XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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: Debt collection

Reported Collection Company : PARAMOUNT RECOVERY SYSTEMS XXXX XXXX XXXX XXXX, TX XXXX Amount : {$39.00} On XX/XX/2021, the above collection company reported a debt that do not belong to me. This has negatively impacted my credit records, and lowered my XXXX XXXX. On XX/XX/2021, I mailed the collection company a letter to verify the debt, and they did not respond. According to the provisions of the Fair Credit Reporting Act 609, If accurate derogatory information in the consumer 's file can not be verified, the reporting agency is required to remove it. This law requires every company that reports credit events -- not just the original creditor companies -- to be able to produce verifiable proof of the negative event. This is related to the right of the consumer to challenge the accuracy of negative events reported on them. The intent of the government is to protect consumers from having inaccurate information used against them.
Product: Credit card or prepaid card

XXXX XXXX  deposit XXXX plus XXXX in the account has gone missing and to date no one can tell me where my XXXX dollars is located
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report from XXXX on XX/XX/XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX, and TransUnion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. I have a loan with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX Balance Owed : {$1000.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXX ; and XXXX XXXX  XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX, as I believe these accounts are reporting in error.
Product: Consumer Loan

Hello, This is my second complaint about this company. my first company ID number XXXX when they replied to my first complaint they simply lied through their teeth this is a sham company, please put a stop to their corruption. in my attachments you will find emails requesting that they do not check my credit. in retaliation the same company checked my credit 3 times they claim that i never contacted them before, which is a complete lie. all i am asking is for them to correct what they did wrong.
Product: Credit card or prepaid card

Netspend failed to credit my account or even give me a chance at a proper investigation they kept denying my claim of unauthorized charges. When in fact if they would look at the video footage from the atms where the money was withdrawn without my consent or knowledge they would know that my disputes were valid. I was a netspend customer For over a year and I had a business and personal account with them which they claim to secure customers money with the fact that theyre supposed to credit customers accounts when I have disputes by law I believe up to {$500.00} and they kept denying my dispute even though it was XXXX just so they dont have to pay me the money back I got my tax check into one of my Netspend accounts back and second week of XX/XX/XXXX I believeAnd there were charges that were an authorized in the amount of {$480.00} that werent credited back to me
Product: Debt collection

I mailed a letter to the agency asking for agency to validate the debt. It has been over 30 days and the agency has not provided/ mailed any correspondence
Product: Mortgage

SINCE XXXX WELLS FRGO BANK AND XXXX AND XXXX XXXX XXXXXXXX AND SOME AND SOME HOME CORPORATION LOAN DECIDE BY WELL FARGO BANK XXXX XXXX XXXX TOOK 10, PROPETIES AND XXXX DOLLARS AWY FRO ME SINCE XXXX XXXX XXXX nd the reaerved bankgrnted to me XXXX XXXX and XXXX they thiss bank file complaint XX/XX/XXXX case number XXXX of thiss charges wronful forclosure VIOLATIONS OF GOVERMENT CODE XXXX VIOLATION OF PENAL CODE XXXXINTEREFERENCE WITHH CONTROL VIOATIONS ACOUNTING THISS WELL FARG BANK MANAHER LINK WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTME DEATH IN XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX AND WITH XXXX XXXX REPOERTME AS A XXXX XXXX PROPLMS CAN NOT MANANGE ANDD DEPENDES ON MY SELF .THISS GOVERMEMT AGENCIESS HIREA WANTED WARRANT FEDERALL SEARCH OF XXXX XXXX AS MY WIFE AND ACT AS XXXX AS XXXX XXXX THISS GOVERNTME AGENCIES CHANGE MY GENDER MY BIRTDAY ANND M Y NATINAOLITY AND NAME I HAVE TRY SINCE TRY TO GET HELPBUT IS N VAIN I LIVE IN XXXX XXXX XXXX XXXX IN A TOWN NAME XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting

Someone opened up a credit account in my name with XXXX XXXX. I informed the credit bureaus as well as the creditor that this account did not belong to me. They wrote back and said they have a name that matches my name and they verified the account. Im not sure what that means in terms of someone having the same name as me.
Product: Vehicle loan or lease

On XX/XX/XXXX i purchased a XXXX XXXX XXXX that i needed a co-signer for, my wife 's grandmother co-signed for me to get the XXXX along with putting {$5000.00} down. Allied Financial XXXX XXXX NC did not do the paperwork right and somehow listed me as the co-signer and and my wife 's grandmother as the buyer. The loan company has harassed us every single month a payment is due even some months days before the due date. They also refuse to fix the paperwork listing me as the owner and not a co-signer even though i have paid every payment on it. They have threatened me and grandma with jail time if the payment is not submitted when they request it to be made. They have also tried calling me and lying saying they are the post office and need an address for me. They have had my wife 's grandmother who is not in good health at XXXX XXXX XXXX in tears saying she is going to jail over this jeep payment. I would really like to know what i can do about this because they have crossed a line with me. Every time we speak they are very rude and threaten me and my grandmother. Please help me to know what my options are when dealing with them and this loan payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint on my own as a federally protected consumer. I AM NOT WORKING WITH A CREDIT REPAIR COMPANY. I have attempted to reach out to Equifax several times regarding this and have not been able to obtain cooperation. 

Pursuant to 15 USC 1681B Permissible purposes of consumer reports ( a ) In General Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to who it relates : I HAVE NEVER given written instruction to Equifax to furnish ANY information on my credit report. No consent is identity theft. I have attached a copy of the law with this complaint. Because XXXX is currently in violation of no less than two federally regulated laws, I AM DEMANDING IMMEDIATE DELETION OF THE FOLLOWING ACCOUNTS : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX,
Product: Debt collection

I contacted XXXX XXXX, a collection agency based out of Kansas who was been reporting I owe them {$650.00} from a SpeedCash payday loan from XXXX. I contacted them in XX/XX/XXXX in which they offered me a settlement of {$500.00} on the debt for {$650.00}, I do not recall them saying anything about it expiring. 
I contacted them again in XXXX of XXXX in which they still had that settlement available for {$500.00}. The representative incorrectly disclosed the existing debt to what would be an unverified 3rd party on the inbound call, which violates FDCPA. 
I called them again last week and asked to pay the {$500.00} settlement, and now they refuse to take it, stating that it expired and now I can only pay the {$650.00}. I asked to speak to a supervisor and received the run around by the rep who was apparently passing messages from myself to her supervisor, and back through to me about why she's not going to take the call. ( This is unprofessional ). 
I ask to speak to the Director of Operations or the director of the floor and was told that there was only one manager in, and it was XXXX. After alot of begging XXXX did finally take the call and refused the {$500.00} payment of the settlement I was offering to pay today. I advised her that one of the reps there committed 3rd party disclosure on the call in XXXX and although she said she can review the call, she did not seem to care much. XXXX XXXX never advised me of the settlement expiring and I feel that as soon as I was ready to pay, they took it away and want the full balance now. 

I request that the CFPB does an independent audit at XXXX XXXX, reviewing every settlement call they have ever had to see if in fact they do or do not expire, and if they have ever accepted a settlement from a consumer after it allegedly " expired. '' I feel that that the {$500.00} COULD still be taken, but they are instead attempting to take advantage of an unemployed consumer to get more money.
Product: Credit reporting, credit repair services, or other personal consumer reports

i asked about disputing hard pull inquiries on my credit report. so far this complaint that led me here was recommended by transunion they asked me to write a letter to transunion send a copy of my social security card, and my drivers license, and to file a commplaint or report to ftc wich brought me here and to along with copy of this report and mail in along with the letter and the copys that were asked of me to be able to remove the hard enquieries. the hard inquieries in question are : 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 XXXXXXXX these are reported under transunion. these are inquiries that im sure i didnt give permission for and would like removed please
Product: Credit reporting or other personal consumer reports

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to XXXX and TransUnion requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

TransUnion 1. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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. 

XXXX XXXX - XXXX, XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX, ( XXXX ) DEPT OF EDUCATIONXXXX XXXX XXXXXXXX, XXXX 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

Recently I went on to a couple car sites and used their prequalified method to see if a Vehicle I like what my rates would be. Long story short these people have shopped my report to Multiple places and now people are calling me to purchase a car. This is violation or my credit report and personal information being shopped to vendors without my consent nor knowledge. Please delete the state inquiries below, XXXXXXXX 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 I never authorized any of these credit inquiries on my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Hard Inquiry disputes I dispute the following hard inquiries on my credit report under the Fair Credit Reporting Act ( FCA ), Section 611 [ 15 U.S.C. 1681 ], unverified entries must be removed. Please investigate and remove any unverifiable inquiries. 

Inquiry : XXXX, XXXX, XXXX  Institution Information : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Oregon XXXX ( XXXX ) XXXX XXXX Inquiry : XXXX, XXXX XXXX Institution Information XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Oregon XXXX ( XXXX ) XXXX Inquiry : XXXX, XXXX, XXXX Institution Information : XXXX CAPITAL ONE XXXX CAPITAL ONE XXXXXXXX, VA XXXX ( XXXX ) XXXX Inquiry : XXXXXXXX XXXX XXXX Institution Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Inquiry : XXXXXXXX XXXX XXXX Institution Information : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH ( XXXX ) XXXX Inquiry : XXXXXXXX XXXX XXXX Institution Information : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Inquiry : XXXX, XXXXXXXX XXXX Institution Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX
Product: Credit card

TRANS UNION IS REPORTING INCORRECT ACCOUNTS ON MY CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX THESE ACCOUNT AND BALANCE DO NOT BELONG TO ME