23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

This correspondence is in regard to the application submitted by XXXX XXXX XXXX  and decisioned on XX/XX/2021 by UNITED AUTO CREDIT which an adverse action letter was received on XX/XX/2021. My social security card is a credit card and use of it without benefit to me is a violation. UNITED AUTO CREDIT is dangerously close to malfeasance. The adverse action offer is here by rejected, credit application is a financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). Said adverse action is in violation of the following : 15 U.S.C. 78j, 15 U.S.C 78ff, 15 U.S.C 1691 ( a ) ( 3 ), 18 U.S.C. 241, 18 U.S.C. 242. It is FACT, this complaint will serve as notice to correct all records regarding XXXX XXXX XXXX. It is FACT that UNITED AUTO CREDIT is engaged in trust actions and has fiduciary duties to uphold. I am willing to overlook the error if ALL records are corrected. Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal.
Product: Debt collection

This credit reporting agency is harming me and limiting my ability to advance to a better position in life by reporting false, misleading, and inaccurate information about me. They are reporting that I owe a debt to XXXX XXXX  in the amount of {$52.00}. This collector or creditor did not provide HIPAA release to be able to collect on this debt. I am proceeding with legal action should this item not be deleted within the required time by law. This agency along with the debt collector have violated my right to privacy as well as broken the law in regards to sharing medical information. I reached out to this agency asked them to correct this erroneous information, but they refused and lied that this information has been verified. They did not provide me with any information on how they verified this false information. Plus, they can not verify something that is flat out against the law. 

Please assist me in this matter as this alleged debt and gross violation of several laws are gravely impacting my life. 

Thank you in advance!
Product: Mortgage

On XX/XX/XXXX, i went online to check my bank account. I realized that my Home Equity account was debited {$5900.00}. 

In fact, on XX/XX/XXXX. the account showed that the above amount was debited as a XXXX XXXX, then credited as a XXXXXXXX XXXX XXXX then again debited a XXXX XXXX. 

Please note that I have never used this account in all the time I have had my mortgage. It is obvious that this transaction was not mine. No check was written by me, nor transfer made between my accounts. 
Also, my checking was not touched. If the account was hacked, I would thick that my checking account balance would have been drained. 
This indicates that an error occurred within the bank or by some unexplained keyed wrong account number that was not mine. 

I would like and answer to this Fraudulent activity/ why and how did it occur? 

The bank is in the process of investigating my issue but the process is extremely long. 

The bank needs to investigate the XXXX and reimburse my account asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED LATE PAYMENTS ON THE ACCOUNTS LISTED HAS BEEN REPORTING INACCURATELY, PLEASE MAKE THE CORRECT ADJUSTMENTS ON THE ACCOUNTS LISTED, FOR THEY HAVE BEEN CAUSING HARM TO MY REPORT.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX, 2019. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Experian : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a copy of my report free as i was denied credit from XXXX on XX/XX/2018 based on their report and the response was that i have already recieved my free annual credit report. i called them and explained that i am requesting another one due to an adverse action against me based on the information they have on me. i was told i still needed to pay for it.
Product: Checking or savings account

On XXXX XXXX, 2023 my account got hacked and initiated a wire transfer of XXXX to a person named XXXX XXXX that i dont know, transfered my XXXX to a account in XXXX XXXX XXXX XXXX I tried to tell chase bank that i dint authorized this and they kept making me file a claim, go to a branch and tell them what happened, i repeatedly say i did not authorize the transaction, and since english is my second language i did not know the difference between a scam and a fraud, i used the word scammed on the first visit but it shouldve been fraud because again, i did not authorize or do any wire transfer what so ever in the bank, the claims department rejected me twice saying " they can not do anything about my money and that i did authorize the transaction, they denied my request and not helping me at all on a fraudulant case. Im  just a working class and XXXX is too big to lose, so id like to get some help from the right people about my case.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX, TransUnion and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. The fraudulent, inaccurate, and false information consists of the following : Accounts : XXXX XXXX XXXX XXXX, auto loan account opened in XX/XX/XXXX, with a balance of {$41000.00}. 
XXXX XXXX XXXX, auto loan account opened in XX/XX/XXXX, with a balance of {$19000.00}. 
XXXX XXXXXXXX and XXXX  XXXX, auto loan account opened in XX/XX/XXXX, with a balance of {$22000.00}. 
XXXX XXXX XXXX, collections account opened in XX/XX/XXXX, with a balance of {$5300.00}. 
Fraudulent Hard Inquiries : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX. 
XXXX XXXX, Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Removal Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, respectively. 
XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX. 
XXXX XXXX, Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, Removal Dates : XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX, Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX. 
XXXX XXXX XXXX, Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, Removal Dates : XX/XX/XXXX. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX. 
XXXX, Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, Removal Dates : XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX. 
XXXX XXXX, Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.

I have 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 # XXXX as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

On XX/XX/XXXX I attempted, through the online portal, to move my autopay out from XX/XX/XXXX to XX/XX/XXXX due to personal cash flow matters. I received a message that I am 'too close to the draft date to make a change. Please call customer service for assistance '. So I call customer service, and they say they can not make the change. So I tell them that their draft attempt will fail, and asked if I would be charged a fee if it failed. They said yes. I asked if the fee could be waived. They said no. So here I am, a consumer doing everything I can to coordinate with my servicer and ensure I stay in good standing, and they tell me that despite this there is nothing they can/are willing to do to help me. I am doubtful about the legality of this so I am making a CFPB complaint.
Product: Debt collection

Equifax needs to block and remove these fraudulent accounts immediately because someone hacked into Equifax system and stole my identity. The following accounts were opened due to identity theft : 1. XXXX | XXXX 2.  XXXX XXXX  | XXXX 3. XXXX XXXX XXXX XXXX | Balance : XXXX 4. XXXX XXXX XXXX XXXX | Balance : XXXX I have attached a copy of my police report as well as corresponding documents from XXXX stating for Equifax to remove and delete this fraudulent account from its system. Equifax has also violated my rights be reinserting recently deleted accounts from my credit report without notifying me within five days. I am going to sue Equifax for violating my rights and report them to XXXX XXXX XXXX  as well as Attorney General Office.
Product: Payday loan

My complaint is about unfair business practices and credit reporting by a Pay Day Loans that I have never borrowed from. I have sent these companies letters disputing these fake charges and requesting validation of these claims. letters sent certified mail. XXXX XXXX XXXX letter was Returned undelivered, no response from the other XXXX companies. Yet, these companies are still reporting negative information to all XXXX of my credit reports ( XXXX, XXXX, XXXX ) ; under XXXX different names ( XXXX XXXX XXXX {$140.00}, charge-off ; LVNV Funding LLC, {$6500.00} ; XXXX XXXX XXXX {$2600.00} ) and charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAPITAL ONE, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, and CAPITAL ONE with no successful resolution. XXXX  and XXXX  reporting me having late payments. There was an error on their part. I was never late.
Product: Credit reporting or other personal consumer reports

I have been struggling to get this negative account off my credit report. I have report this fraud, contacted original creditor and I am still not seeing any results. The account name is XXXX XXXX  and XXXX XXXX. I never knew anything about this account until I found out it was reporting on my consumer report. I had found out that it was attached to an address that was my ex boyfriends. I had just got results from getting the address that was not mine off my consumer report. I am still seeing this negative account and I would truly appreciate it if you can assist me in getting this negative account removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX credit card so that I can build credit history. XXXX XXXX advertises that they report monthly to all three of the credit bureaus to help build credit history ( see attached Advert.pdf ). Since opening my XXXX XXXX account in late XXXX, I have not had accurate reporting to any of the three credit bureaus despite maintaining excellent payment history ( see multiple Statement.pdf files ). For XXXX, I see no mention of XXXX XXXX in my credit report ( see XXXX Accounts.pdf ). For Experian, I see the account is closed, reporting negative as " Debt included in or discharged through Bankruptcy Chapter XXXX, XXXX, or XXXX '' ( see Experian Accounts, Inquiries.pdf ). For XXXX, I see no mention of XXXX XXXX in my credit report ( see XXXX Closed Accounts.png and XXXX Open Accounts.png ). I have contacted XXXX XXXX several times via telephone regarding this issue, and they mailed me a letter regarding the completion of their investigation ( see XXXX XXXX 3-4 Reporting Correction copy.pdf ) However, this did not solve the issue, so I sent a letter to XXXX XXXX including my reports, and highlighting the errors ( see Letter to Credit XXXX 3-4.pdf ). I received a letter back from XXXX XXXX regarding the reporting issue stating there was no reporting issue, and to sign the bottom ( see XXXX XXXX XXXX 3-31 Letter copy.pdf ). I have even attempted to dispute these inaccuracies with the credit reporting agencies, and to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX Account Number : XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late and for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX GA XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX XXXX XXXX : {$3100.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/2022.
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 u.s.c 1681.. 
Account name ... ... XXXX XXXX XXXX Account # XXXX .... Account Name... XXXX  XXXX ... Account # XXXX ... Account Name ... XXXX XXXX XXXX ... Account # XXXX Account Name ... XXXX XXXX XXXX .... Account # XXXX ... Account name.. XXXX XXXX ... Account # XXXX ... Account Name... XXXX XXXX XXXX ... Account # XXXX 
Account Name... Source receivable mng ... Account # XXXX... 
15 U.s.c 1681 section 602A. States I have the right to privacy...

15 u.s.c 1681 section 604A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ....

15 u.s.c 1681C ( A ) ( 5 ) section states ' No consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than record of convictions of crimes which antedates the report by more than seven years..

15 u.s.c. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 

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 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Sections 2 : States a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1681C. ( a ) ( 5 ) Sections 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 ahs reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Three of my credit reports ( XXXX, Experian and XXXX ) are reporting invalid information as it relates to an installment account I had with XXXX XXXX Bank XXXX. All of my payments were made on time and I was able to document this with XXXX XXXX as I made all payments utilizing online bill payment through my bank, XXXX. Once I provided XXXX Bank with the documentation from my bank showing payments were made on time they agreed to correct the incorrect information on my credit reports showing late payments. Years have now gone by and the derogatory information still remains. I have opened up disputes directly with all three credit reporting agencies and submitted the same documentation to them. After concluding their investigation they determined the dispute is not valid and have not corrected my credit reports. I even provided a copy of the emails from XXXX Bank where they acknowledged that my payments were not late and they would correct the incorrect information on my credit reports. I have exhausted all of my options and completed my due diligence on this issue. I now request the CFPB investigate this issue. Thank-you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation of debt on XX/XX/XXXX, from Discover Credit Card which refused to but still continues to report to the credit bureaus XXXX, XXXX, and XXXX. 
Failed to respond to any written disputes within 30 days. XX/XX/XXXX. 

No presentment of proof of license and/or permit to regulate, issue or collect on the promissory notes of the XXXX XXXX, XXXX XXXX XXXX has XXXX XXXX XXXX
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 Customer 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Those actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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. 
Agency : Experian, XXXX and XXXX Account Name : XXXX XXXX Account number : XXXX This account has violated my rights under these federal laws : * XXXX5 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my credit report with all consumer reporting agencies. 

Attached are copies of their violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX XXXX XXXX account # ****, also Experian and XXXX shows a different account # which is # XXXX ) I am Attaching identity and proof of address.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX. Several times my account was left exposed after attempting to have my file frozen and I was not able to do so. I called and spoke to individuals on live chat and it was still not properly done. This exposure violated me as a citizen and consumer who want to keep my information protected from identity theft and much more.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX  ( Original Creditor : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 which I did not give.

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.