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

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Product: Debt collection

XXXX XXXX and experian is in violation of the fair debt collection act they refuse to remove this collection account from my credit report when i asked XXXX for something bearing my signature that this account belongs to me they provided me a PDF account numbers were incorrect the statments they sent were contain errors in spelling my name looks like it was editted its to close together the r in for looks like this is a fake document.. i will not pay this account because they failed to verify with proof that this account belongs to me my social isnt anywhere on this document. nothing with my signature. this company is in violation of the fair debt collection act and i ask that this account be removed from my credit report because it is making it very hard to get approved for credit when they are reporting this inaccurate information on my credit report ( which is a violation of up to XXXX $ ) they refuse to provide anything bearing my signature and i ask you the CFPB to help me get this inaccurate information removed from my credit report.
Product: Debt collection

The XXXX XXXX is still reflecting on all XXXX credit reports. The debt was paid directly to original lender and not the collection agency. Therefore, the collection agency should remove from my report as the bill was paid.
Product: Debt collection

On the date XXXX XXXX, 2017, Law firm XXXX XXXX XXXX threatened to file a civil judgement against me if I did not respond to their fraudulent claim of a civil dispute between us. There is none to my knowledge.There must be a contract between us. Contract Law supersedes all Federal and State Rules, Regulations and Statutes. 

If you are the Fiduciary in this matter, I will need a copy of the contract between us to continue further communication. I do not give permission or consent by assent for you to enter as a third party to this alleged civil dispute, nor to issue letters of threat to my private property or person, including you, reporting to various credit reporting. 

My house is private, my telephone and e-mail are private. My person is private and for private use by myself and by those with whom I may contract. If you are attempting to enter this alleged civil dispute without a contract or my permission, you are in trespass. ( XXXX XXXX XXXX v XXXX XXXX XXXX XXXX ( XXXX ) ). I am not a corporation. 

Produce a Contract, Delegation of Authority, Regulatory Authority or cease and desist. Unless you are a Secured Party, Holder-in-Due Course, Creditor, Debtor or Signer on the Original Contract, you are a third party. You are a liability and no assistance. Take Notice : You are lawfully and legally dismissed. I will not discuss my Private Affairs with an Unqualified Third Party. 

In your next correspondence, please forward the instrument that establishes my obligation to perform as you request, plus your ID and Delegation of Authority ( to wit : UCC3-501 ( b ) ( 2 ) ) otherwise you will be accepting my offer to provide pen pal services at {$1000.00} per correspondence. If you accept my offer to provide this service, simply send any correspondence other than what I have requested.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX over XXXX times regarding my student loans. My student loans were discharged about XXXX months ago and it still shows up on my credit reports as opened and a balance. It should be reflected as closed and either forgiven or paid.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX XXXX in regards to false reporting to the XXXX credit bureaus. I requested a dispute and they denied my request as if the reporting was accurate on my credit card utilization. I have proof of my minimal payment being paid on the due date and also paying additional money before statement date making my utilization below XXXX  % which they reported. In key bank still refuses to correct the inaccuracy. Because of this my credit score decreased by XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion are infringing upon my rights to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) YOU HAVE A GRAVE RESPONSIBILITY to respect my rights to privacy. I DID NOT GIVE my writing consent for either of these companies to report anything to my consumer report, and you reporting these accounts to my report is a VIOLATION!!!!! Pursuant to 15 usc 1681a ( 3 ) ( e ) there is NO reason for you to do investigation, because if anything comes back factual it can not be furnished on my consumer report! SO THE BEST OPTION is for you to DELETE IMMEDIATELY! 

1. Identity Theft XXXX  ( Original Creditor : 05 XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX This following accounts below show multiple inaccuracies on my credit report. These must be deleted immediately. 

1. Validate Account XXXX Account XXXX : XXXX 2. Validate Account XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX
Product: Vehicle loan or lease

Credit Acceptance is reporting an inaccurate negative autoload on my credit reports that I have been disputing with them for quite some time. Credit Acceptance is verifying inconsistent and inaccurate information regarding this debt. 

This account is being verified that there is a monthly payment of {$0.00}, however there are multiple late payments reporting. How can they report this account late if there is no monthly payment due? 

They are also verifying inconsistent last payment and activity dates with each bureau. It is illegal for a consumer reporting agency to verify and report inaccurate information on a consumers report. 

Their inaccurate reporting has caused me to get denied and a lot of distress as I have been disputing this inaccurate account and I am not able to get any resolution when they are clearly in violation of the FCRA. I am demanding that this account is deleted from my reports now!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, Ink. ) 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have unauthorized accounts reporting on my credit report that I have no knowledge of.I have filed an ftc with experian, XXXX, and XXXX and need these removes from my report as soon as possible.I feel as if I am being taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

The follow account and Inquiry information does not belong to me. 

XXXX Account # XXXX Opened XX/XX/XXXX Balance {$12000.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$410.00} Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not get my credit report from either XXXX  or XXXX XXXX. I have paid for services to get this from them as well and still unsuccessful!
Product: Debt collection

XX/XX/XXXX Called my cell phone from an unknown number. Didnt leave a message. Immediately called wifes phone.

XX/XX/XXXX was able to speak to someone other than dead air. Stated they were looking for my wife about a potential action against her. Called from an unknown number. Asked them for a phone number to contact them at. ( XXXX ) XXXX extension XXXX.
Product: Credit card or prepaid card

Fidelity Investment Credit card was issued a refund in my name by XXXX in the amount of {$370.00} on XX/XX/2018. The monies were electronically transferred bearing Transaction Reference Number XXXX and Vendor Reference Number XXXX. The card to which this refund was applied was an XXXX card ending in XXXX. This card and account was acquired by Fidelity. 

The dispute case number provided to me XXXX. Please understand XXXX ( the vendor ) has accepted fault and refunded the monies without any issues. Fidelity has not posted the refund to my account. 

This refund should have hit my account without intervention. Unfortunately, the said amount is missing and can not be traced. The reference number that Fidelity issues electronically and vendor reference should be enough data to create a trace and locate credit issued by the vendor. XXXX ( the vendor ) are unable reprocess the refund due to the fact that the electronic refund was successfully acknowledged by Fidelity on XX/XX/18.
Product: Payday loan, title loan, personal loan, or advance loan

I got some truck accessories from XXXX XXXX XXXX  and used Lendmark to finance it all. The things I got was all wrong so XXXX reordered it and everything was correct besides the XXXX XXXX so they had to reorder it. It came in and I got it installed nearly 4 months after my original purchase date. I encountered many other issues with XXXX so filed a report on them and was contacted by the manager of XXXX which told me hed give me {$1300.00} credit due to everything. I agreed and I decided to go for a trailer instead of replacing the damaged cover. I was told the trailer would be mine and was a completely different deal from the other items. Well it turns out they removed the cover and added the trailer to the original contract without my consent or knowledge. I immediately reached out to Lendmark who assured me nothing would be finalized without my consent. I was then contacted by a manger of Lendmark who did say he had a personal relationship with the manger I spoke with from XXXX and that I needed to return everything or the contract was valid. Never once to look at my proofs that this trailer was not apart of the other items. An issue with XXXX was that the items I got was cheaper than what was originally ordered and XXXX admitted that yet still filed the contract without the incorrect prices. Under no circumstances should a manager of a financial institution have a personal friendship with a company they work with. Lendmark should have told XXXX that they need to fix the issues with me or they wouldnt accept the much altered contract they was given. Also absolutely under no circumstances should Lendmark have accepted a contract that was 4 months old! Definitely some illegal, unprofessional, and predatory practices occurring here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX did not dispute what XXXX provided, all documents are below explaining everything.
Product: Bank account or service

Us Bank charged me fees for items that cleared my account with a positive balance. Then when I filed a complaint they threatened to shut my account down. They paid me XXXX of the fees back, but they still owe me XXXX of them.
Product: Credit reporting or other personal consumer reports

I'm really disappointed that my information has been compromised, especially as I'm trying to buy a house. I need these accounts removed, as I'm not in a good mental state due to this situation. 

YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & amp ; 1681g.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you XXXX have violated my consumer rights as a federally protected consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONEMAIN XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX To Whom It May Concern : While checking my most recent credit report, I noticed a unauthorized and fraudulent credit inquiry made by this company. 

Inquiry was made on XX/XX/XXXX by ONEMAIN. 


I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

- Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file you maintain under my Social US SM BUS ADMIN ODA number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611
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 specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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
Product: Credit reporting or other personal consumer reports

I submitted a complaint on XX/XX/year> in reference to accounts being placed on my consumer report that violate my rights. Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report. XXXX and XXXX both closed accounts reporting on my consumer report are in violation, any credit transactions account is supposed to be excluded from a consumer credit report, if the consumer 's social security number was used in the transaction. Please be aware that all negative remarks found on my consumer report is a violation of the FCRA and FDCPA when you can not furnish the validity remark. Every time I submit a complaint with any of the credit reporting agencies they all send the same automated messages. It seems there is not a real-life person responding back to the disputes but a AI generated system that chooses how to respond, despite it being a violation of my rights as a natural living breathing woman, According to the Dair Credit Reporting Act 15 USC 1681 section 602 states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and a respect for the consumer 's rights to privacy. '' Equifax, XXXX, and XXXX are the consumer reporting agencies and I am the CONSUMER. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public personal information. 15 USC 1681 ( e ) states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishings of consumer reports to the purpose listed under section 1681b of this title. '' Equifax, XXXX, and XXXX are not maintaining reasonable procedures.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering the lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This has raised serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I received an invitation to complete a background check, as required for screening purposes for employment considerations with the XXXX XXXX. XXXX XXXX sent me a weblink to complete a profile with the investigative consumer reporting agency, First Advantage [ which is pending a XXXX day processing wait period from today 's date - XX/XX/year> ]. While reviewing the First Advantage dashboard, I noticed a completed background screening report [ Applicant ID XXXX ] for a previous employer, The XXXX XXXX, and decided to view its contents [ containing XXXX pages in total ], ordered on XX/XX/XXXX, XXXX page XXXX, within the customer provided information I discovered a former address listed I did not recognize, and consider this the following address as unknown to me [ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX. I can firmly attest to the fact I have not ever resided in the State of Colorado, nor have I traveled to XXXX  XXXX.
Product: Debt collection

The company National Credit Adjusters has repeatedly contacted me despite requests not to do so, from a number that is masked on caller ID as a different number, claiming I owe a debt that they can not/will not verify in an official notice. I have received unofficial email notices claiming I owe a debt around XXXX dollars or XXXX dollars, representatives on the phone say I owe north of XXXX dollars. The debt amount changes with every different contact, and they still have not sent a notice to me to date despite me asking. This company operates in a way that I am convinced this is either a scam or the most unprofessional agency I have ever dealt with. I would like someone to help me straighten this issue out because the company and I can not seem to hash anything out at all, and they have threatened legal action despite not providing any paperwork that I even owe anything.