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

Hi CRA ; Im not LIABLE for this account as shown on the attachments and I demand an immediate deletion. Please see the attachments for detail. Its reporting incomplete, misleading, incorrect information and there are multiple inaccuracies even after I just paid off this account. Ive also disputed this account many times directly with original creditor XXXX and also each of the Credit Bureaus and Im in the process of filing a formal complaint with the regulators such as FTC, and Cfpb. 

Thank you very much! See the attachments that Ive successfully PAID off the account and Im not LIABLE! DELETE form my credit report now please!
Product: Payday loan, title loan, or personal loan

I applied for a loan on XX/XX/23 and the principal balance was XXXX, XXXX. I was told that the interest rate was 10.99 % but was not told that it was daily interest. When I asked, I was told it was in the fine print. The statements that I receive does not show the full amount owe, it is noted to call for full amount owed. The statement does not show interest accumulated or other charges.
Product: Vehicle loan or lease

I am writing to formally file a complaint against Global Lending Services LLC XXXX XXXX XXXX XXXX ), with whom I have an active auto loan. I am a resident of Georgia, and I believe Global Lending Services LLC may be conducting lending activities in Georgia without the required licensing, as they do not appear to be licensed through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to operate in this state. 

It is my understanding that, under Georgia law, any lending institution engaging in business with Georgia residents must obtain the appropriate licensing to ensure compliance with state regulations and to protect the interests of borrowers within the state. Specifically, lending institutions are required to hold an active license in the XXXX registry as mandated by the Georgia Residential Mortgage Act and other state regulations governing financial institutions. 

As a consumer who resides in Georgia and does business with Global Lending Services LLC, I am concerned about the potential violation of Georgia law in this case. I kindly request that the Georgia Department of Banking and Finance investigate Global Lending Services LLCs compliance with state licensing requirements to determine if any corrective actions are needed to safeguard Georgia consumers. 

Thank you for your attention to this matter. Please feel free to contact me should you require any further details or documentation regarding my complaint. 

Sincerely,
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX Date Opened XX/XX/XXXX Balance {$2800.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$8700.00} XXXX Date Opened XX/XX/XXXX Balance {$2000.00} XXXX XXXX XXXX 
Date Opened XX/XX/XXXX Balance {$3200.00} XXXX XXXX XXXX 
Date Opened XX/XX/XXXX Balance {$14000.00} XXXX Date Opened XX/XX/XXXX Balance {$18000.00} **Inquiries** XXXX  ( Finance ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Equifax refuses to remove the unauthorized hard inquiries on my reports ... I contacted the creditors ... in turn they said they apologize, and that they should be removed if I did not give consent to them ... I have disputed these inquiries about 3 times to no avail ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter Finance & COAF came on my   XXXX    XX/XX/XXXX  as a hard inquiry. I called both companies asking why did they pop up on my Inquires. They stated   XXXX   (  XXXX , NC ) said I was a cosigner for a car. That 's incorrect, because I have no driver 's license, nor consent to being anybody co signer. I called  XXXX  they said they had no record of me. Asking to please take these fraudulent Inquires off my credit report hindering me from progressing in life.
 XXXX  ( National Credit Card/ Airlines Are on my   XXXX    XXXX . Dates are  XX/XX/XXXX  &  XX/XX/XXXX . I 've called and they ca n't find me in their system. I do n't even know who the company is.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and 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, have 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. As a victim of a data breach, I am exercising my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) to have the following accounts and inquiries blocked and deleted from my credit file : Fraudulent Accounts : XXXX  XXXX - XXXX - XXXX - {$0.00} TXXXX  XXXX XXXX - XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX - XXXX - {$810.00} XXXX XXXXXXXX XXXX - XXXX - XXXX - {$0.00} XXXX XXXX - XXXX - XXXX - {$0.00} Fraudulent XXXX XXXX XXXX XXXX - 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 violates 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 Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.
Product: Debt collection

In Fall XXXX, I requested and paid for genetic testing through XXXX XXXX. I paid {$1300.00} for their services. 

In Spring XXXX, EASTERN ACCOUNT SYSTEMS sent me a written note and began to call me. They demanded an additional $ XXXX in payment. 

On XX/XX/XXXX, I sent them an email disputing the debt and emailed them proof of my Fall XXXX payment and did not hear from them directly for several months. 

Eastern Account Systems stopped calling me, but began to make menacing calls to my father. When I was with him one day, he handed me the phone and I asked them to call me directly.

Eastern Account Systems began to call me again in Fall XXXX. I once again forwarded proof of payment on XX/XX/XXXX. They continued to call and threaten legal action. I asked for proof of any valid debt. On XX/XX/XXXX, they called again and said that despite proof of payment that I submitted, and despite having on additional or separate invoice, they wanted the additional amount from me. I refused and informed them I would report them to you.
Product: Debt collection

I am trying to contact ideal Collection Services for the past week. I am trying to move and was advised there is an outstanding balance with the previous apartment complex and ideal is the collection agency handling the debt. I have left message with a XXXX XXXX. This debt is preventing me from getting a new apartment. I would like to handle this issue as soon as possible.
Product: Debt collection

I have a account Im collections on my credit profile showing ( Capio Parnters and XXXX XXXX XXXX ) not liable for and also keep getting phone calls from but I dont answer.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

On XX/XX/2023 XXXX XXXX XXXX was paid by credit card for XXXX different toll transactions. However, we were charged for XXXX. We first started the dispute process with XXXX and was told that they only showed the XXXX transactions. BOK was then called on XX/XX/2023 to start the dispute process for the credit card charges. I was told by BOK representative that we would receive a letter with the case number. On XX/XX/XXXX I called back and let them know we never received the letter. They told me that it was still under investigation and they had 90 days to complete it. XX/XX/XXXX I called again and the case had been closed with no reason behind it. A new case was started and I received the letter on XX/XX/XXXX with the case number. It is now XX/XX/XXXX and I once again had to call BOK for an update. They again closed the case stating the charge was too old to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax lied and is being deceptive. They responded to report XXXX and claimed they were responding to inaccuracies that I reported. This is far from the truth. They have figured out a way to manipulate your system and not have to take accountability in their responses to the CFPB complaints. 

Read for your yourself. I am attaching the document that they perjured. 

XXXX ( read complaint, then their response ) I demand an investigation
Product: Debt collection

In XXXX of 2016 prior to the XXXX XXXX due date, I suspended all lines of my prepaid XXXX service using the online suspension option through the 'My Account ' on XXXX XXXX website. A few days later I entered the XXXX store located at XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX to confirm the disconnect of my prepaid XXXX service with the representative there and explained my reason for the disconnect. It was of mutual understanding that though I was ending my relationship with XXXX that I would indeed submit payment in full for the current phones once the final bill for said phones arrived in the mail. 
In XXXX 2016 when I received a past due bill for services never used, I consulted a XXXX representative via chat on the XXXX website. I was told then that the account would be taken care of and again I would receive a bill for the phones only, which I repeated my understanding for and would submit payment in full for the phones once the adjustments were made. 
In XXXX 2016, I received a call from a XXXX billing representative about the past due bill, which has yet to be adjusted properly. At that time, we had a conversation regarding the fact that my XXXX account was always a prepaid account and that I would not be submitting this payment for the months of XXXX and XXXX considering I had, 1 ) Suspended the phones online AND requested a disconnection in person at the store at and 2 ) did not use my prepaid lines during the XXXX and XXXX prepaid billing cycle that unbeknownst to me were never disconnected by XXXX as I had requested to be done, twice. The CSR that I spoke to that day acknowledged that my account was prepaid, acknowledged the fact that I had cancelled, and told me at that time I would be sent a bill for the phones ( which I agreed that I owed that {$250.00} ), and that the existing charge would be adjusted to reflect the amount for the phones only. 

XXXX and its creditors continue to harass me via phone, my wife 's phone, and by postal mail. I have sent numerous letters to dispute the charge, the reason for the dispute, and the acknowledgement of my owing {$250.00} for the phones. They have yet to acknowledge in wrong doing and refuse to adjust the bill to reflect only the charge for the phones.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've feel taken advantage of while several laws are broken under the FCRA by your company this caused me defamation of character making it harder to gain access to better employment housing and overall better credit. 

These are the accounts in question : -XXXX XXXX XXXX XXXX : Account # XXXX -XXXX : Account # XXXX
Product: Debt collection

On XXXX/XXXX/2017 I checked my credit score and report and noticed that there was to accounts for medical bills that I did n't know about, I called the hospital and they told me to contact account and billing department I did that and I told them that I never received any medical attention or treatment. One is for {$820.00} and the other is for {$65.00}. Both are from the same place I then disputed the collection with the credit bureaus and within a few weeks they were taken off my credit report. Then my credit score went up and I thought it was taken care of and was going to be getting my credit score better, but today I got a email stating that a different collector is being used to try and collect money from me that I do n't own.
Product: Checking or savings account

Ive received 5 remediation letters for unauthorized services from Wells Fargo. I called the number and was told I would get checks for each of them, including extra checks for being unhappy. They said the checks would arrive in 20 days. This was in late XX/XX/XXXX. I called today, XX/XX/XXXX because I havent received a single check. They say that theyve been delayed and have no idea when they will go out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED MY CONSUMER REPORT AND FOUND MANY INACCURACIES FROM CHILD SUPPORT LISTED BELOW ARE THE INACCURACIES, DELETE IMMEDIAATELY FROM MY CONSUMER REPORT. 


XXXX XXXX XXXX  BALANCE XXXX $ STATUS OPEN, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REORTED ( XX/XX/XXXX ) ( XXXX ). 

COUNTY OF XXXX XXXX BALANCE XXXX $ XXXX OPEN, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 


XXXX ( INACCURATE ) BALANCE XXXX $ STATUS OPEN, ACCT # XXXX, ( INACCURATE ) LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) ( INACCURATE ) LAST REPORTED XX/XX/XXXX ) ( EQUIFAX ).
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$20.00} XXXX XXXX XXXX Balance {$680.00} XXXX XXXX XXXX XXXX Balance {$800.00XXXX XXXX XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXX Balance {$460.00} XXXXXXXX XXXX XXXX Balance {$800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX {$480.00}
Product: Credit reporting or other personal consumer reports

I was notified by XXXX that my information was compromised. I noticed that old addresses are being used as current, different name spellings, different birthdays and many unknown inquiries have been made. 

I should not have any inquiries except from XXXX XXXX XXXX XXXX. I have not applied for credit any where else. 

Please make sure XXXX XXXX XXXX  has deleted the XXXX XXXX account.. deleted as agreed. 

XXXX XXXX account -XXXX XXXX {$100.00} Delete as agreeed. 

I really dont feel like my credit report is a true reflection of my credit please make all the necessary corrections.
Product: Credit reporting or other personal consumer reports

So for the Past 6 months or so. I've been trying to get credit report to check and dispute anything false. Due to Data Breaches such as XXXX, XXXX XXXX, XXXX, & CashApp/Block. However site keeps saying I've check it and to wait 7 day to check again. So I've called and was told the same thing. But they would send it to me. I haven't received it. So I keep trying to get in. Then today it ID check me as if i was on my way it says can not send code, so im to call in or request by mail. XXXX like, they really don't want me to check it or somebody else 's phone number is attached and they're blocking mine. This is the same thing i get trying to get into my profile too. But it dawned on me! They don't want me in to dispute inaccuracies or claim my due process for Data breaches. Which my identity has been frauded & my personal information definitely stolen and sold. I'd hate to say believe it's a XXXX motivated practice by TRANSUNION, & XXXX. I have no other choice to believe this. And I won't make up excuses for them. It's wrong what they've done. This practice impacts thousands of lives. Especially the people with darker skintones.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice To creditors and credit Agencies this is a official statement I XXXX XXXX XXXX officially opt out of all credit reporting Invoking my consumer rights under permissible purpose Due to unfair credit reporting and fraudulent activity on my credit report from credit cards and XXXX XXXX, XXXX, Equifax and XXXX after They have continued to display unfair reporting practices so for the following accounts on my credit report I opt out of all credit reporting due to permissible purpose consumer laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX****, XXXX XXXX  XXXX**** and XXXX XXXX XXXX  XXXX**** The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I discovered today that XXXX XXXX XXXX XXXX of XXXX. XXXX MN has been falsely reporting to the credit bureaus that a debt they purchased and obtained XX/XX/2019 is a new debt. On their website they falsely claim that the credit bureaus require that XXXX XXXX report the date they acquired a debt as the open date. My credit score has lost over 70 points because of their shady collection practices. A collection debt is a continuation of an original debt and this company is purposefully falsely reporting to credit bureaus the open date of accounts in order to negatively impact the debtors. This IS NOT A NEW DEBT. In their FAQs page they clearly state that if you pay your debt they will delete it from your credit report after 30 days. They also do not contact the debtors to inform the debtor that they are the collector and they try to excuse this on their page as well. Giving the debtor no opportunity to refute the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, has violated my rights. 

15 U.S.C.1681 Section 602a states that I have a right to privacy.

15 U.S.C.1681 Section 604a Section 2 states a consumer reporting agency can not furnish any account information without my written instructions.
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 Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX
Product: Debt collection

1. I was contacted by the debt collectors last year and was not notified that I can dispute the collections debt.

2. They keep calling me because I scheduled payment plans with them that I simply cant keep up with.

3. I havent been physically able to use these credit cards for 3 years now