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

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

There was a unknown number that sent me a text about paying debt that I don't owe. It was a collection agency called Municipal Services Bureau  ( MSB ) behalf of XXXX Co Court-OJD. I don't if this is a scam or if they are wanting the money from me. This could result probably in bankruptcy or fraud in my banking account. The MSB would plan to file a lawsuit against me for my payment and more money owed. I do not owe any of those to MSB.
Product: Credit reporting or other personal consumer reports

I have sent multiple letters in demands to have all inaccurate info on my credit report removed but the company is not responding or removing the inaccurate info
Product: Credit reporting or other personal consumer reports

Persistent Issue Accessing Equifax Credit Report Immediate Resolution Required Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding ongoing issues I have experienced with Equifax. Despite multiple attempts to resolve the situation directly with them, I have been unable to access my online credit report for nearly seven months, which has caused significant inconvenience and concern regarding my financial oversight capabilities. 

On XX/XX/ 2024, after initially discovering that my credit report was unavailable online, with the system displaying a " credit report unavailable '' message, I contacted Equifax 's customer service for assistance. I was assured that a technical ticket had been created and that their technical team would reach out to me with a resolution. Unfortunately, despite this assurance, I received no further communication or update on the matter. 

Given the lack of response, I reached out to Equifax again on XXXX XXXX, 2024, in hopes of escalating the issue and finding a resolution. Once more, I was informed that a technical ticket had been issued and was promised an email response from the technical team within 48 hours. Regrettably, this time frame has elapsed without any form of communication from Equifax, leaving me without access to my credit report and without any explanation or solution. 

This ongoing inability to access my credit report online is not only frustrating but also alarming, as it hampers my ability to monitor my credit health and address any potential issues proactively. The lack of response and resolution from Equifax further exacerbates the situation, undermining my trust in their ability to safeguard and manage my personal financial information effectively. 

Thank you for your attention to this matter. I am eager to see a swift and satisfactory resolution. 

Sincerely, XXXX XXXX, XXXX
Product: Debt collection

I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The bureaus have had 240 days ) and ( two dispute letters ) to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
Product: Debt collection

I am a victim of identity theft a victim of fraud my personal information has been sold to different individuals, and these individuals has used my personal information to obtain credit. under my name. I went to the police department to file a police reports concerning this matter. I was informed that someone fraudulent open up 12 cellphones XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, under my name and obtain credit to get the cellphones.I contact each vendor to let them know I'm a victim of identity theft and that my identity has been stolen. XXXX XXXX XXXX sent me a package to fill out and get notarize I completed the package and mailed it back to XXXX XXXX XXXX they deleted the fraudulent account but before during so they sent the account over to a collection agency and it keeps getting sent from collection agencies to collection agencies. I have the letter that XXXX XXXX XXXX stating they deleted the account but the collection agency is still reporting it on my credit report with XXXX XXXX, XXXX, and XXXX   this XXXX XXXX XXXX account needs to be deleted now. I have submitted the documents to the creditors showing them that it is fraud. I need this XXXX XXXX XXXX account off my credit report.
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my Equifax, XXXX and XXXX credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$1900.00}, XXXX XX/XX/2023, XXXX XXXX  XX/XX/2023, XXXX XXXX XXXX XX/XX/2023 & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent out certified mail letters to each Credit Reporting Agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate.

1. I was never 30 days late on this account and always paid on time. This is reporting inaccurately XXXX XXXX XXXX XXXX XXXX  Update the payment status to paid as agreed They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.
Product: Credit reporting or other personal consumer reports

FRAUD!!!!!! already made complaints with the CFPB and Attorney Generals office On the date of XX/XX/23 car was bought 1. Truth in Lending Act ( TILA ) Purpose : TILA is designed to promote the informed use of consumer credit by requiring disclosures about terms and costs.

Violations : Failure to provide clear and accurate information about loan terms, including any arbitration clauses, can constitute a violation of TILA.

Enforcement : The Consumer Financial Protection Bureau ( CFPB ) enforces TILA, and consumers can also seek damages for violations.

2. Unfair and Deceptive Acts and Practices ( UDAP ) Laws Purpose : These state laws prohibit businesses from engaging in unfair or deceptive acts or practices.

Violations : Misrepresenting the terms of a loan agreement, hiding critical clauses, or failing to inform consumers of their rights can be considered deceptive practices.

Enforcement : State Attorneys General and consumer protection agencies typically enforce UDAP laws. Consumers may also be able to bring private lawsuits under these statutes.

3. Federal Trade Commission Act ( FTC Act ) Purpose : The FTC Act prohibits unfair or deceptive acts or practices in commerce.

Violations : Misleading consumers about the terms of a loan agreement or failing to disclose important information like arbitration clauses can be seen as deceptive practices under the FTC Act.

Enforcement : The Federal Trade Commission ( FTC ) enforces this act, and consumers can file complaints with the FTC.

4. Fair Credit Reporting Act ( FCRA ) Purpose : The FCRA promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.

Violations : If the failure to disclose the arbitration clause leads to incorrect or fraudulent information being reported to consumer reporting agencies, this can be a violation of the FCRA.

Enforcement : The FTC and CFPB enforce the FCRA, and consumers have the right to dispute inaccurate information and seek damages for violations.

5. Contract Law Principles Misrepresentation : Under contract law, a contract can be voided if one party misrepresents a material fact that the other party relies on when entering into the contract.

Unconscionability : If a contract or clause is extremely unfair or oppressive to one party, it may be deemed unconscionable and unenforceable.

Failure of Consideration : If a party does not receive the agreed-upon terms or benefits of the contract, they may claim the contract is void due to failure of consideration.

Legal Actions and Remedies : Damages : Consumers can seek monetary compensation for any actual damages incurred due to the fraud or misrepresentation.

Rescission : Consumers may be able to rescind ( cancel ) the contract if it was entered into based on fraud or misrepresentation.

Corrective Actions : Regulatory bodies can impose fines, require corrective measures, or take other enforcement actions against the offending companies.
Product: Debt collection

I have requested information on this dedt bearing my signature and have not received no information on validation
Product: Payday loan, title loan, personal loan, or advance loan

I applied for this loan years ago and I havent been able to pay them back due to me losing my job. And they keep harassing me and putting my information about the loan all over the place. At first it was just in XXXX XXXX. Now its on credit wise and XXXX. I thought they were not supposed to share this private information with any other 3rd parties? Why is it that my personal info is all over the place when I directly applied for a loan in their website. My address has changed ever since. And so they dont even have the correct information but because of my social security number it keeps following me around. And I am unable to fix my credit.
Product: Debt collection

On XX/XX/2023 I noticed an account that was furnished by AFFIRM INC. without my knowledge or consent containing adverse information in my consumer file at XXXX, XXXX and XXXX. I did not authorize AFFIRM INC. to report this information and I wasn't notified that this negative information was being shared. XXXX XXXX failed to follow proper procedures in an attempt to collect an alleged debt from me the consumer. AFFIRM INCXXXX has indulged in unlawful misconduct with intent to abuse, deceive and invade my privacy. I have suffered irreparable damages by this corporations misconduct. Included with this complaint is a letter sent to AFFIRM INC. notifying them that the alleged debt is in dispute and requesting the proper documentation for proper VERIFICATION by I, the consumer. AFFIRM INC. HAS FAILED TO PROVIDE THE REQUESTED INFORMATION AND IS CLEAR VIOLATION OF THE CONSUMER CREDIT PROTECTION ACT.
Product: Checking or savings account

On XX/XX/year> Actions were taken by company CashApp to withdraw funds from checking account without my authorization for the amount of {$2500.00}.
Product: Credit reporting or other personal consumer reports

Ive been trying to reach out to the proper channels regarding the inaccuracies off my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying if Ill XXXX tomorrow just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXXXXXX Balance XXXX {$4200.00} 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 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/year>
Product: Money transfer, virtual currency, or money service

I opened an account with PayPal a couple of months ago and used it to pay for my XXXX order and XXXX and XXXX rides. It had been open for a couple of months before I received a payment from my friend 's dad for a tool he bought from me. All of a sudden when I have {$550.00} in my account PayPal decides to permanently limit m account and hold my money for 6 months. Pretty convenient that the second I get a large sum of money in my account they permanently limit it. Sounds pretty suspicious. What they do this for is to hold your money so they can make the interest off of it for the months then they .may or may not give you your money back. They do this with thousands of people every year. I did nothing wrong. I was waiting for my 21 day hold to end and about 3 or 4 days before I could've pulled my money out they limit my account. Now my identity was confirmed, I actually confirmed it twice because they asked me to. I provided them with everything they asked for and they still limited it. I hadn't even use my PayPal account since I received the money from my friend 's dad. So I'd love to know what I could have possibly done wrong. I need my money for my XXXX. Without them my XXXX and XXXX XXXX will go XXXX. They'd been sued several times for this so I don't see how they can continue to do this. I want myr money now. Please do something about these shady business practices. And please help me get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute letters were sent in XXXX 2021, and I have yet to receive any letters regarding dispute results or updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this negative, inaccurate, erroneous address which it is not my address and I demand it be removed from my consumer report. I demand the only address that should be reporting on my consumer report is the one that is on my State Driver 's License which is my correct and current address. All other address ( es ) does not belongs to me and should be permanently removed
Product: Mortgage

I have not received any monthly statements or documentation on my mortage from Fay Servicing for XXXX years. My online access was removed, I've asked for my monthly statements to be emailed to me, filed a previous complaint where Fay supplied statements they say they have been emailing me all along, which simply is not true. I've reached out to Fay and asked to have them try a different email address or physically send me my statements, but XXXX XXXX my single point of contact refuses to make any changes. 
Therefore the only way I can get my monthly statements is in the form of a response to my complaint from Fay, so I will keep filing monthly complaints until Fay fixes how they send me my statements and either attempts a new email address or physically mails them to me
Product: Credit reporting or other personal consumer reports

I have been going back and forth with all three consumer reporting agency 's Transunion XXXX and XXXX regarding several accounts that are reporting inaccurate on my personal consumer report and as of todays date no action as been taken from either of them. 

XXXX original amount {$2500.00} current {$3000.00} Date : XX/XX/XXXXXXXX XXXX XXXX original amount {$750.00} current {$990.00} Date XXXX XXXX XXXX XXXX XXXX amount {$81000.00} was paid off not written off as a charge off account. 

XXXX XXXX XXXX XXXX amount {$1400.00} date : XX/XX/XXXX collection on behalf XXXX XXXX XXXX XXXX XXXX XXXX, Never heard of anyone of these company never had an account with them either. 

Several inquires appeared on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was not planning on reporting this- but when I saw my review online, The XXXX XXXX -XXXX- Credit Card had HUNDREDS of horror stories on the website under the 1-star reviews. So I felt obligated to report this card - because at best it is literally useless, at worst, it is fraudulent and costing consumers hundreds of dollars in fees and interest. They should be stopped. 
In my case : They only gave me a {$500.00} credit limit. I make a very comfortable living on my own, and with my husband, we are, well off, making about $ XXXX per year. My credit rating is over 800. My other credit cards have either no limit or a limit of >XXXX ( on which I do not carry a balance ), yet this silly little store credit card only extended me {$500.00} of credit - even though they could see from my XXXX purchase history that I buy that much in one sitting on a regular basis! And, then I can almost never use it for any purchases after the 1st time, because the limit was reached instantly after the first purchase. I immediately set up online payments, but still kept getting denied all purchases 2 days after placing XXXX orders with this card, making all my deliveries LATE!!! Making the use of this credit card impossible before the payment was due / payment credit was recognized. It has literally taken them 30 DAYS to credit my account with direct electronic payments from my XXXX XXXX   account to them. 
In anticipation of future XXXX purchases, I even tried to pay the balance off IN ADVANCE and I tried over paying, the credit card company would debit my bank, show the payment and credit my balance, but NOT CREDIT MY Credit so that when I went to use it, my card would say my balance was XXXX but my available credit was still only $ a few dollars or something. So I could not buy anything that cost more than $ a few dollars! 
Its a total scam. 
Awful and frustrating card. 
I called their customer service line and they were no help. They said after the first month it would get fixed. That it was just until my account and bank account was established??? But its still the same and now some of my XXXX gifts and subscribe and save orders that went on that XXXX Credit Card that set up as my default card were late and useless. 
I also tried and requested a credit line increase and was denied. 
So, buyer beware. 
The link below should go to the Synchrony Bank XXXX XXXX XXXX website comments page. 

https : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted these companies on several different attempts to remove the inaccurate accounts thats is reported negatively on my credit file. I am not aware of the accounts. I have contacted the credit bureau about these accounts as well. The accounts are as follow : XXXX XXXX, 11 accounts with federal loans totaling XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.all these accounts are inaccurate reported
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account name XXXX  XXXX, account number 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 states. A consumer reporting agency can not furnish a account without my written Instructions.