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

I'm reaching out in regards to inaccurate information on my Credit Report with all XXXX reporting agencies. Specifically the Public Records section. Back in XX/XX/2022 I went to US BANKRUPTCY COURT in XXXX, GA. Asked several questions as to did the trustee of the Bankruptcy XXXX submitted the XXXX result of that case to all 3 Credit Reporting Agencies. I was verbally informed no the courts does not submit any public record s to any of the 3 Credit Reporting Agencies. Also in writing a official letterhead stating that as well. So I made a copy of said letter then mailed it to XXXX and TransUnion. To no avail that inaccurate information still on my credit report and is doing unforseen and previous harm to me rebuilding my credit worthiness. Please feel free to contact me with any information you may need at XXXX Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

i provided my info to someone via XXXX  who said they do in house mortgages back in 2014 and they have opened accounts in my name the XXXX  page is no longer available nor a contact namber
Product: Credit card

I answered an email from a merchant that I had previously purchased merchandise from stating I could get something from them at no cost. When I made the arrangements to receive the item, the merchant signed me up to a digital magazine without my consent. This digital magazine was charging me {$60.00} monthly on a XXXX XXXX  credit card I had used on the previous purchase. It went unnoticed for 10 months in which I was making {$50.00} a month payments to the XXXX XXXX  credit card company. After discovering what was happening, I contacted both the XXXX XXXX  credit card company, and the merchant. The merchant agreed to repay all of the money that was charged to the XXXX XXXX  credit card which they were only allowed to repay 6 of the payments before the XXXX XXXX  credit card company would not accept any more for unknown reasons. The merchant repaid the balance directly to me in a digital check. The issue is that the XXXX XXXX  credit card will not repay me for the payments I made to them each month so now they are keeping the money paid back by the merchant and also the money I paid them in monthly payments. This totals 10 monthly payments of {$50.00} by me, and 6 payments of {$60.00} the merchant paid back to them for a total of {$860.00} XXXX XXXX is telling me that since there was a balance on the account they will not repay me. There a balance on the account because of the merchant and the fact that XXXX XXXX  refused the final 4 repayments by the merchant to keep a running balance to make me pay them even more. Businesses like this should not be taking advantage of consumers.
Product: Student loan

I am submitting this CFPB complaint to you today to request to you to remove the late payments you are reporting on my Credit File. The references for the late payment on these accounts is erroneous and misleading causing negative impact on my Credit File! I previously requested for the investigation and correction of these accounts and yet you have done nothing. Let me remind you that you are obliged to investigate and update these accounts per consumers requests under the FCRA regulation. Once again, I am requesting that you take your time to THOROUGHLY investigate and CORRECT these accounts to report accurate information on my Credit Report. Per FCRA, reporting of account information must be accurate ; I need these accounts updated immediately. 
XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX Balance {$4900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX and XXXX of 2022, there appears to be 4 fraudulent hard inquiries on my credit report. The following inquiries are fraudulent .... XXXX XXXX, XXXX, XXXX XXXX, and 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.

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.

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 card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act Account # XXXXXXXX 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 following Creditors have violated my rights : ... XXXX XXXX XXXX Account no. XXXX, XXXX Account no. XXXX, XXXXXXXX XXXX  Account no. XXXX, XXXX XXXX  XXXXXXXX XXXX Account no. XXXX, XXXX Account XXXX. XXXX ... ... ..,, 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumerreporting agency can not furnish a account without my written instructions
Product: Credit reporting

I reported a re-investigation for inaccuracies on XXXX accounts reported by EQUIFAX ( XXXX ). I never received this report from EQUIFAX and it is well beyond the 30 day time line. EQUIFAX started their investigation on XXXX/XXXX/XXXX and said report the XXXX was completed XXXX/XXXX/XXXX but I never received it. I called in to inquire about the status after waiting 45 days and the Customer Service Rep said she would mail out the results, which never came. I mailed a follow letter asking about the status of XXXX with a follow up investigation report. On XXXX/XXXX/XXXX Equifax opened up XXXX new dispute cases XXXX and XXXX. The dispute XXXX was completed XXXX/XXXX/XXXX and was not resolved with any resolution on information on where and how they received verification. The dispute XXXX was completed XXXX/XXXX/XXXX with no resolve or update. I did not request XXXX more separate disputes. I wanted the results to XXXX. 

Please assist me with what steps I can take to follow up on this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations XXXX XXXX XXXX XXXX  {$2700.00} XXXX - XXXX XXXX {$5700.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX   {$940.00} XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX  Inquiries : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these addresses : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

Rent Recovery Solutions is reporting an erroneous debt on my credit file. They are double reporting a debt on my credit file. They are reporting two collections for XXXX XXXX. For starters i never received a letter call or notice about this debt which is a violation of my 30 day right to dispute. Second double reporting a debt is against the FCRA guidelines. They need to remove this debt from my credit file ASAP.
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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

This is not a duplicate filing. XXXX continues to misapply XXXX  47-2201. 

On XX/XX/XXXX I initiated a lease with America Honda Financial for a XXXX XXXX XXXX. As part of the acquisition process I paid the XXXX sales tax for the portion of the purchase price I would be capitalizing. 

In XX/XX/XXXX I relocated to XXXX XXXX. In conjunction with registering the car in XXXX  I had to request a change in the title to reflect the new address. When Honda processed the title change, they began to collect a 10 % use fee in XXXX. The fee is appropriately collected for leases of vehicles delivered to XXXX residents for the first time, but is waived for individuals who have paid sales tax in another jurisdiction. To repeat, the only change to the title in XXXX was to reflect our new address, in XXXX. XX/XX/XXXX has taken this 10 % each month from my payments, which has renedered my account past due. 

In correspondence from XXXX XXXX XXXX dated XX/XX/XXXX, regarding CBPB Complaint # XXXX American Honda Finance replied : XXXX has completed a thorough review of XXXX Code 47-2201 and has found that XXXX is correctly assessing the tax on each monthly payments, not the value of the vehicle or a lump sum payment of the vehicle. XXXX XXXX Office of Tax and Revenue does not state in their statutes or codes that reciprocity applies if a resident has paid upfront taxes to another state such as XXXX XXXX. 

However, Page 4 of XXXX Code 47-2201 clearly states : Purchases subject to the use tax For purchases subject to sales tax on which a sales tax has not been paid to the District or another jurisdiction in the US or to a US territory, see the applicable 5.75 % rates. 

Rules for reporting use tax You must report the cost of all personal property and taxable services used or consumed by you in XXXX on which sales tax has not been paid to any state. This includes the costs of items purchased under a XXXX Certificate of Resale ( OTR-368 ) and withdrawn from stock for personal use or for use in the conduct of your business. 
Exempt and/or nontaxable use tax The use tax exemption is the same as the sales tax exemption.

Also exempt are purchases on which a sales tax has been paid to th

e District, or another tax jurisdiction in the US or a US territory. Contrary to XXXX  co
ntention, XXXX  Code 47-2201 clearly states that for taxes are waived when taxes have been paid in another jurisdiction. A lease initially delivered to a leasee residing in the district is subject to such tax. However, in this case I relocated to the district after having paid the applicable sales tax in XXXX XXXX.

Please resolve this issue ASAP. All taxes collected and corresponding late fees should be refunded immediately.
Product: Credit card or prepaid card

PURCHASED ONE MICROWAVE OVEN FROM XXXX XXXX ON XX/XX/2018 FOR PURCHASE PRICE OF {$800.00} ( {$850.00} WITH TAX ). NEXT DAY XXXX XXXX DISCOUNTED THE PURCHASE PRICE BY {$210.00}, FOR A NET PRICE OF {$590.00}, OR {$630.00} WITH TAX. MET WITH XXXX XXXX TO RESOLVE THE DISPUTE AND THEY INFORMED ME THAT THE PROBLEM IS AND ACCOUNTING TRANSACTION ERROR WITH CHASE BANK CREDIT CARD, WHO IS CHARGING ME {$850.00}, PLUS {$630.00} WITH ERRONEOUS ADJUSTMENTS THAT DO NOT REFLECT THE NET ACTUAL PURCHASE PRICE OF {$630.00} ALL IN. WROTE A LETTER TO CHASE ON XX/XX/2018, WITH NO RESPONSE ; CALLED THEIR CUSTOMER SERVICE LINE ON XX/XX/2018, XX/XX/XXXX, XXXXSPOKE WITH AT LEAST 8 PEOPLE AT CHASE TO RESOLVE THE PROBLEM, WITH NO SUCCESS. THEY COULD NOT VALIDATE THE ISSUE
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX, XXXX under the account number XXXX, an auto loan account opened at XXXX / XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$3600.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

CITIXXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumers.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 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. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my writing signature giving consent to this matter, please.

The items should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 



under 15 US Code 1681n ( b ) civil liability of a natural person, Ive been violated. Also, we were already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 
Sincerely, Best Regards, Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam This is the complaint number seven against XXXX please be noticed many many time i sent to XXXX there two Unauthorized Hard Inquiry XX/XX/2018- XX/XX/2018 XXXX XXXX ( XXXX ) and all responding from EQUIFAX Mentioned that ( inquiries are a factual recorded of file access. if you believe this was unauthorized, Please contact the creditor. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX SD XXXX so i had contacted many time and received a letter to remove this unauthorized hard inquiries so what i have to do then EQUIFAX ask me if you believe this was unauthorized, Please contact the creditor and i did many times and received a letter from them to remove this hard inquiries and EQUIFAX don't want to remove this Unauthorized Hard Inquiries
Product: Credit card or prepaid card

XXXX XXXX, XXXX I went to the Chase site to initiate a process to get a credit card and balance transfer from another credit card, as this was an interest free offer. At that time it asked for the amount of the transfer. I guessed and put XXXX. Since I did not know the actual amount, I decided to get the information before starting the process. I hung up and called into Chase. At that time, I told the representative the amount was {$2000.00}. I was approved and received the card at which time I called and verified the XXXX balance transfer. The next morning I woke up to a text on my phone saying there may be fraudulent charges, one for {$1600.00} and one for {$2100.00} ( 5 % balance transfer fee ) I explained I did not initiate the XXXX as that was before I got the card. I was advised neither could be cancelled and that I would have to wait for both to post and at that time call XXXX XXXXXXXX XXXX and request the credit be sent to me in order to pay on my new XXXX account. I explained I never initiated the XXXX, as that was included in the XXXX. I was charged the 5 % two times ; once in the XXXX and once on the XXXX. I requested a credit. I was told no. This is bad business practices. I was not given the information when I spoke to the representative that there was indeed a transfer request already pending. The supervisor told me it is in two separate systems so they could not have known. I think to be made whole, the {$100.00} transfer fee should be credited back to me or the {$80.00}. I should not have to pay twice for a mistake Chase made, not me.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unauthorized Inquiries : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

After requesting my credit report I found information has been furnished on the consumer report that caused discrimination against me, ruined my reputation, and caused harm to me and my family by not being able to get a better car and home due to this information on my consumer report. 

No one asked for my consent to report these accounts to my credit file, which is a clear violation of my rights according to 15 USC 1681b ( 2 ). 

Also the inquiries on my credit file again I didnt consent to them nor did I benefit from these inquiries. 

I have not been treated fair and equitably by the credit reporting agencies and there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

Kindly refer to the attached documents outlining the basis for my complaint pertaining to Equifax 's data breach.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XX/XX/2025 LVNV funding XXXX XXXX XXXX, XXXX, SC XXXX RE : Cease & Desist from Collections Dear LVNV Funding : On XX/XX/2025, one of your employees or agents calling on behalf of your company contacted me and claimed that I owe a debt to XXXX  under account number Last 4 digits XXXX. At this time, I would like for you to make a note that I am disputing this claim and that I do not believe I owe this balance. Your continuous calls and such conduct have caused me to suffer severe humiliation, embarrassment, emotional distress, and physical discomfort. Please take note that any future unsolicited calls will be reported as a violation of 15 USC 1692c of the Fair Debt Collection Practices Act for debt harassment and unfair collection efforts in the attempt to collect said debt. I hereby demand that you cease and desist all future calls and update your records immediately. If action is not taken by you to cease and desist within 30 days from receipt of this letter, I will have no choice but to take appropriate legal action against you, including but not limited to filing a report against your company under the Fair Debt Collection Practices Act.