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

All of this information is listed on my credit file and is in error. Per the Credit Act of 2020 section 401, this should be removed as I don't have agreement or contracts authorization these inquiries. I've checked with the bureaus and they are unable to validate but refused to remove. 

XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX  XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX/XXXX  XXXX Bank - Installment Loans Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX/XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX/XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX/XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX 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 requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information that has been report and posted to my credit, file by the credit bureaus, is not valid and not in compliance, per the Federal Fair Credit Reporting Act. 


YOUR COMPLAINT XXXX XXXX XXXX ( collection agency ) Original creditor ( XXXX XXXX ) I have no business transactions or any type of business relationship, with XXXX XXXX XXXX. I have no business dealings with this company and have never spoke with anyone, form this company. As for the original creditor ( XXXX XXXX ) I am not a member of their gym, I have never joined, the gym and there is no documentation or signed agreement, between my self and the company. This is not my account and it is showing on my credit account, wrongfully and illegally. XXXX ( Collection agency ) Has never contacted me regarding, this account and I have never done any business with this company. The original creditor is XXXX XXXX XXXX and I did visit the office. But, I did have insurance coverage. If there was a co pay due or any additional monies due, that wasn't covered by my insurance, I should have been given a bill, at the time of visit or at the very least, mailed out to me. I have never received any contact or bills forward to me. Therefore I had no knowledge of any outstanding monies. In addition, my insurance company, didn't notify me of me having a co pay of a portion of the bill that had to be covered my me. Therefore this debt is a error and if the debt is my portion of the bill, why wasn't I billed, so that the matter could be taken care of, in a timely fashion. There are guidelines in place, that require a notification period, before the medical debt can be place on the credit report. This was completely overlooked and not followed, as I have never received any notification, via phone, text, email or U.S. Postal service. XXXX XXXX ( collection agency ) the original creditor is ( XXXX XXXX ) I have never had any contact or transacted any business with XXXX XXXX  and the debt with XXXX XXXX, is not my account. I have lived at the same address for years and this cable bill does not belong to me. If some one has taken my personal information and opened a cable account, without my knowledge, I am not accountable for that account. XXXX XXXX doesn't have any documentation, where I have agreed to service or signed for service.
Product: Vehicle loan or lease

This company completely takes advantage of minority customers. The interests rates are extremely high and they completely refuse to offer refinancing or lowering the interest rates even after making on time payments. I've called and asked several times during the months of XXXX and XX/XX/2020 to try and get help with this loan so that I can continue to make on time payments and not be ripped off by the interest. They refuse to help in any way. My financial situation has changed due to the COVID-19 situation and American Credit Acceptance has told me that they can not do anything to help. This is unbelievable!! I can't help from other lenders to refinance because I've been told that ACC has over charged me for this loan.
Product: Credit reporting

XXXX, Synovus and Columbus Bank and Trust are all the same bank and now any bank that has an affiliation XXXX keep reporting the same delinquency every year so it stays on my report. I made an attempt to satisfy and was told they could not find and account for me. They should only report as of 2011 not every year. 
I feel they are doing this to continue to cause me hardship.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a letter was sent to Experian regarding 4 collections on my credit report that I was not familiar with, asking Experian to investigate the accounts and provide proof that these accounts are legit and belong to me. The accounts in question are XXXX XXXX XXXX, Acct # XXXX, for {$500.00} and XXXX XXXX XXXX, Acct # XXXX, for {$410.00} and another for {$650.00} ( the fourth was removed ). Experian sent me a letter stating that the accounts were " verified '' for the {$500.00} XXXX XXXX XXXX XXXX and {$410.00} ( XXXX XXXX XXXX ) but removed the {$650.00} ( XXXX ). How can you verify one account and not the other?? And on the " verified ' accounts, they failed to provide me any proof these accounts were mine. I sent a second letter regarding the same matter ( XXXX and XXXX ) on XX/XX/XXXX and Experian sent me a letter stating once again that the accounts were " verified '' but again failed to provide any documentation that these accounts were mine. The letters sent cleary ask for such information, but these request are ignored. Yesterday, XX/XX/XXXX, I noticed that XXXX XXXX XXXX suddenly decided to report the accounts stated above ( the {$410.00} and {$650.00} no account number provided ) to my XXXX credit report. These had never been reported to my XXXX Credit report. Mind you, these accounts also date back to XXXX of XXXX. I see this act as retaliation from XXXX for disputing this incorrect info. I am concerned and disturbed on how they acted regarding this dispute. I have also contacted a law firm regarding the issues with XXXX which I was advised to hold on taking any action until CFPB has conducted their investigation into the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute the specific account in my credit file that does not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this : XXXX XXXX  XXXX... Balance : {$9300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I observe a break-down/inaccurate process in Equifax 's procedures. They report that information on my credit-report as " factual ''. When in fact, Equifax has been requested to remove the entry from the " factual '' party. I believe Equifax 's authenticity process to be inadequate and ineffective.     I have  attached two documents : 1 )   XXXX  's confirmation informing Equifax of the unauthorized inquiry.  2 ) Eq uifax 's notice they have no record of  XXXX  's communication.  <P/> This same process with   XXXX   and Experian resulted in the accurate removal of  XXXX  's entry on my credit-reports.
Product: Credit reporting or other personal consumer reports

im trying to file a dispute online and transunion did not let me upload to documents showing that my student loans were transferred. i called XXXX XXXX XXXX but the person was in XXXX  i asked to speak with an XXXX  but they hung up
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX Equifax and XXXX I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX  XXXX {$690.00}
Product: Checking or savings account

I regularly received solicitation from Huntington Bank for opening an account. They always ask for direct deposit. On XX/XX/2018 I received an offer to open an account with them and deposit at least {$1000.00} within 60 days and I would receive a {$200.00} bonus in my account. Well after I made the deposits I never received my bonus. I contacted the company service line and I was told that my account did not qualify. The rep said that I must have direct deposit of {$1000.00}. This was absolutely not true. The offer clearly stated deposit not direct deposit. I had been receiving offers from them and this one did not mention direct deposit. I feel like Huntington Bank defrauded me into getting a checking account with them. They used false advertising and defrauded me into doing business with them. I have attached a copy of the ad. At the bottom it clearly states no direct deposit needed.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX
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. 

Account XXXX : XXXX Account XXXX and list of Inquiries.

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, credit repair services, or other personal consumer reports

Will add attachments because numerous disputes have been submitted, receive notifications the info has been deleted but is not.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and concern regarding the ongoing issue of fraudulent items on my account. Despite this previous attempts to resolve this matter, the fraudulent items remain unaddressed. Please prioritize the removal of these items from my account and take necessary measures to prevent such incidents in the future. I would appreciate your prompt attention to this matter. These are the following fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX
Product: Debt collection

Contacted me and said I owed money, I have never used the company why not lease. Also i asked for validity and they just sent me a letter they made no contract or anything. I told them it wasn't mine. They refuse to do anything.
Product: Debt collection

Afni has re-aged my a account on my credit report. They have the account opened in XXXX of 2019 I did not have right to dispute nor receive any letters from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

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

ACCOUNT : XXXX XXXX XXXX XXXX Account XXXX Open Balance : {$4900.00} Date opened : XX/XX/2021 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Phone : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The property I owed located on XXXX XXXX XXXX in XXXX, IL was sold on a short sale on XXXX. The creditor, XXXX, continues to report the account as past due on XX/XX/XXXX, even though as per the documents the house was sold and the title passed to the new owners on XX/XX/XXXX. In addition, they also continue reporting that the house was in foreclosure as of XX/XX/XXXX, even though foreclosure proceeding never started and the house was sold two months before that. There should be no data reported for XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting 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
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 SECTION 602 states I have a right to privacy .15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. under 15 USC 1666B a creditor may not treat a payment on a credit card account under a open consumer plan as late for any purpose.
Product: Bank account or service

Someone has stolen items from my wallet and accessed my computer and/or home network and sucked almost {$8000.00} from my checking account via my debit card. As I have already told Scottrade, there are many people that come and go from my home on any given day. So, it 's likely one of these individuals is responsible for what has happened. Now, I 'm on XXXX and have spent the majority of my time in bed for the past 30 days. Because of this, I have n't been aware of what 's been happening with my debit card. 
Of course I complained to Scottrade who basically blew me off and did n't even look into the matter. They denied my claim in less than a week and gave me their reasons for doing so. Their reasons include that the IP address seems to be consistent ( no kidding, duh ), the Scottrade account was accessed over XXXX times in the past month ( not surprising for a crook ), and they sent a fraud email that someone replied to that said the charges were valid ( this was NOT done by me ). Now, because of these things, they just assumed I must have done it. The people " looking into this '' are either extremely stupid or extremely lazy! 
There are several charges from a XXXX that according to them has my email on one of their accounts. This might be true, but it does n't change the fact that I did n't create an account with them. I have n't used my computer in months and rarely use my email. But Scottrade refuses to listen. They just take the easy route. 
So I did my own research on XXXX and learned they are some kind of options broker. They are unregistered and unregulated which makes them illegal in the United States. Being a broker themselves, Scottrade should know this. Also, what reputable brokerage firm would accept credit/debit cards as funding options? This is clearly a scam! I am including an attachment from XXXX that states the brokerage must be registered with the CFTC and the SEC to operate in the United States. Otherwise, they are illegal. XXXX is therefore illegal! I sent this attachment to Scottrade who apparently did n't read it. So, if Scottrade ignores the fraudulent transactions based only on circumstantial evidence, they ca n't argue with the illegal nature of XXXX. They should at least reverse those charges!
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS AND INQURIES LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID I AM VICTIM OF FRAUD I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I received a copy of my Experian, XXXX and XXXX credit report, and noticed late payment that needs to be deleted. It is as follows : XXXX XXXX XXXX # XXXX XXXX XXXX  ACCT # XXXX Your agency has violated my consumer rights and violated federal law ; I have proof in 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act, which is noted below.

15 USC 1681b ( 2 ) - permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( 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 whom it relates.

I did NOT give your agency written authorization or written instructions to report this information.

You have not only violated the Fair Credit Reporting Act, but your agency has committed aggravated identity theft, and Ive sustained defamation of my character, just to name a couple damages should this matter escalate to court.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$520.00} with XXXX XXXX XXXX. Account Number : XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested with my wet signature and ID verification. I have tried to dispute this account multiple times, it never comes off of my credit report. The credit bureau just updates the account.
Product: Debt collection

XXXX XXXX is in possession of all active police reports in regards to these alleged debts. Please request a copy of these active XXXX XXXX  police reports. The XXXX XXXX police department informed me that they cant enforce XXXX to follow the law that I would be require to handle the matter in civil court for damages. Knights Adjustment these alleged debts are not enforceable as the debts are a result of fraud and illegal use of my personal information. The information received by mail is all in regard to these matters. Please request copies of the police reports from XXXX for your records.