23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove this items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than XXXX business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$2000.00} XXXX XXXXXXXX Balance Owed : {$3900.00} XXXX XXXXXXXX Balance Owed : {$15000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX  XXXX XXXX XXXX : {$2000.00} XXXX XXXXXXXX Balance Owed : {$3900.00} XXXX  XXXX XXXX XXXX : {$15000.00} XXXX XXXXXXXX XXXX Balance Owed : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

There were two disputes that Square resolved in my favor. The first was on XX/XX/XXXXXXXX for the amount of XXXX The second was on XXXX XXXX XXXX in the amount of XXXX That was also resolved in my favor. Square then deactivated my account and continues to hold these funds to this day. The emailed me and said it would be 180 days before the funds would transfer back to me. As of XX/XX/XXXX, these funds still haven't been transferred. I have attempted to reach out to Square multiple times and platforms and have been ignored or told to go away.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hyundai XXXX XXXX Credit Reporting Failures Company Furnished Inaccurate Account Information to Credit Reporting Companies, Including Wrongly Reporting that Consumers were Delinquent on Loans or Leases. 

I had an issue with XXXX where i updated my address with them twice over the phone and also updated online. Then i was told that i had an excise tax ma sent to me that i never received. Comes to find out they sent to my old address, that was updated months ago by phone and online. So they decided to throw the excise tax into my month car payment claiming that i missed my leased payment. Wrongly XXXX me : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX : XXXX XXXX to the credit bureau as we been making late payments.
Product: Debt collection

I don't recall having a contractual relationship with FAIR COLLECTIONS & OUTSOURCING Account Number : XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting or other personal consumer reports

On XXXXXXXX XXXX XXXX, I submitted a second dispute regarding several inaccuracies and misinformation that is on my credit report. Accounts reporting inaccurately, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX US Department of Education XXXX XXXX and US Department of Education 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 Name XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. The Medical/Health account reporting is a violation of HIPPA privacy laws as well. 
Accounts : XXXX XXXX Balance {$3200.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$530.00} Original Creditor : XXXX XXXX XXXX XXXXBalance {$100.00} Original Creditor : XXXX XXXX XXXX XXXXBalance {$130.00} Original Creditor : XXXX XXXX XXXX XXXXBalance {$210.00} Original Creditor : XXXX XXXX XXXX XXXX  ... Balance {$280.00} Original Creditor : XXXX XXXX XXXX XXXX ... Balance {$220.00} Original Creditor : XXXX XXXX XXXX XXXX  ... Balance {$1300.00} Original Creditor : XXXX XXXX XXXX XXXX # XXXX Balance {$200.00} REMOVE UNAUTHORIZED Inquiries attached to this notice.
Product: Checking or savings account

I am filing this complaint because my direct deposit, which was sent to my Capital One account, has not been processed as expected. I provided the correct account and routing numbers to my employer, and they confirmed that the deposit was sent on [ date ], even providing me with a confirmation number. When the deposit didnt arrive, I contacted XXXX XXXX  customer service, but they were unable to locate the funds or provide a satisfactory resolution. Additionally, I have encountered ongoing technical issues with XXXX XXXX systems, including frequent app outages and delays in account updates, which have made it difficult to monitor my transactions and resolve this issue promptly. This delay has caused significant inconvenience, and despite multiple attempts to address the problem with Capital One, the matter remains unresolved. I am seeking assistance in locating my missing deposit and ensuring these technical problems are addressed to prevent further disruptions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card with Capital One XX/XX/XXXX. All payments were paid as agreed every month except for XX/XX/XXXX. This was due to a medical emergency that I experienced that put me in the XXXX  for three and a half weeks. I was unable to make arrangements with Capital One due to my XXXX
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 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 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. 

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; 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: Debt or credit management

Cease and Desist Letter for CFPB To : Consumer Financial Protection Bureau ( CFPB ) Subject : Cease and Desist Unauthorized Accounts & Credit Reporting Violations To Whom It May Concern, I am formally requesting an immediate Cease and Desist on any and all unauthorized negative accounts appearing on my credit report due to a breach of my personal information. These accounts were not initiated or approved by me, and I demand that they be removed immediately. 

Furthermore, I request that all collections, reporting agencies, and lenders cease any further attempts to report, collect, or verify these fraudulent accounts. Failure to comply with this request will result in legal action. 

Please confirm in writing that my request has been received and processed. 

Sincerely, XXXX XXXX / XXXX XXXX
Product: Debt collection

XXXX collections have been placed on my credit report relating to unpaid utilities that are not mine. All XXXX collections seem to relate to an address at which I have never lived. I contacted the utility company associated with Pro Collect 's collection, and they confirmed the delinquent account is under a different social security number and birth date as mine ( although same last name ). Pro Collect refuses to remove the collection despite me providing information to demonstrate it is not mine. I have contacted all XXXX credit reporting agencies and submitted documents and a letter proving that the debt is not mine, yet the collection continue to appear on my credit report and remains unresolved.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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

Equifax 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. 15 USC 1681b : Permissible purposes of consumer reports ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) Information regarding inquiries : Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

And after a detailed review of my consumer report these said inquires are all in violation of the FCRA as none of them is a creditor in such assignment transactions and nobody extended me credit not to mention the dealer is by law the only creditor and, by having no intention of extending the credit disclosed in the XXXX, it too violates the FCRA at 1681b but not only that I do not Recognize many of the mentioned inquiries and I am a victim of identity theft my report is attached Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And with me being a victim of identity theft the said accounts and inquires are possible risk of identity theft so I demand they be deleted from my file as pursuant to 15 USC 1681c-2 consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days
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. 

XXXX XXXX XXXX XXXX  Retail : account # XXXXXXXX XXXX : account # XXXX CXXXX XXXX XXXX : account # XXXXXXXX XXXX XXXX : account # XXXX XXXX : account # XXXX XXXX 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 or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Debt collection

received letter from cashnet usa telling me that my line of credit was past due have no knowledge of account checked credit history did not see any accounts opened in my name for cashnet usa letter received XX/XX/XXXX amount owed XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was listed as a victim of the XXXX Equifax data security breach in which my personal identity information was made public and stolen.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this complaint. 


Items that need to be disputed : XXXX For FTC Letter XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Late/closed XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  For FTC Letter XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Late/closed XXXX  For FTC Letter XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Late/closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX sailor in the military I have contacted Capital One Bank  and XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX I have spoken to ther credit card department, auto loan department and the Capital one 360 banking on several occasions requesting proof of my signature for over 20 inquires for Capital One 25 for XXXX listed on all three of my credit reports . I get transferred and one is able to assist me to let me know why my credit is being pulled . I have only authorized capital one to pull my credit on 2 occasions XXXX XXXXXXXX credit increase and XXXX XXXX auto loan  . I have authorized XXXX to pull my credit for auto loan XXXX XXXX  I have placed a fraud alert and requested I be contacting via phone (celluar number) before my credit is pulled . I have contacted XXXX   XXXX and XXXX to have these inquiries remove each time I have called I was told to contact the merchant (Capital One)XXXXI hired a credit repair company to send letters to both the merchant and credit agencies I have gotten no where out of XXXX fromXXXX XXXX . I’m mostly away out on deployments so I’m not sure why I’m getting these inquires monthly .
Product: Debt collection

Disconnected XXXX XXXX Service. Paid the early cancellation fee on XX/XX/2018 of {$120.00}. Returned all equipment by XXXX with a receipt dated on XX/XX/2018. 

Received a collection notice from ERC dated on XX/XX/2018 that they are going to submit this bogus " Collection '' to the credit reporting agencies. and damage my credit rating.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$220000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$9500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$8200.00} XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX XXXX XXXX {$220000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$220000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX Balance : {$9500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$8200.00} XXXX XXXX XXXX Balance : {$9000.00}
Product: Credit reporting or other personal consumer reports

I dont know how someone got my information. I know I lost my social security card maybe a year ago and had to get a new one but Im seeing hard inquiries and collection accounts thats not me. Ive worked hard for my credit so I need this to be removed!!
Product: Credit card

On XXXX/XXXX/15, I purchased some Car Audio equipment, I paid the buyer with my Citi-Bank credit card. I never received the item 's I purchased. I filed a dispute with Citi-Bank, On XXXX/XXXX/15, I received a conditional credit. On XX/XX/2015. Citi - Bank reversed the credit. On XXXX/XXXX/15. I received a letter from Citi-Bank reguarding the transaction. If I wanted to still dispute it I had to fill out the form and send it in. I sent it twice. But City-Bank, claims they never received either one. Now they tell me the time to file has elapsed, not my fault they cant do a simple task, and constantly lie. This is why they will never Be XXXX or XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email alert from my credit monitoring app that a new tradeline was recently added to my credit profile. I am currently in escrow for a home purchase and woke up to this nightmare. 
Company William & Fudge claims I owe them {$97.00} when I never had any written contracts or obligation to pay them. I never did business with William & Fudge. 

On XX/XX/2022 I wrote William & Fudge a letter via USPS mail of " validation '' bearing my signature that I had contractual obligation to pay them. 

I have also called them to ask to remove the inaccurate reporting on my credit, since it may have the possibility to affect my Home Loan Escrow process, forfeit my earnest money deposit of $ XXXX or increase of interest rate, or worse denial. They did not want help me any further.
Product: Debt collection

IC Systems did not provide information on letter C ( Step 3 ) in the previous 1692gb letter that I sent them. They have not given me the acopy of yourlegal authority to collect the alleged debt onbehalfoftheoriginalcreditor. You are attempting to collect an alleged debt that I do not owe in clear violation of the FDCPA. 

I am attaching another document to this complaint.