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

The was an illegal inquiry/pull of my credit report by syncb paypal in  XX/XX/XXXX. XXXX and XXXX XXXX are displaying illegal and allowing illegal use of my credit report. I don't have and never had account with syncb paypal or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after syncb PayPal sent letters that acknowledged this XXXX and XXXX XXXX   continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also XXXX  stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. All documents have been attached including SYNCB/PAYPAL acknowledgement of illegal account and the request to delete it from XXXX XXXX, false statements made on behalf of XXXX and fake letters they said they sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW has violated my consumer rights. 

Under 15 USC 1681 a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report. This company has discloused payment history to a third party which is XXXX and XXXX and I never gave consent to BMW Financial to disclose any of our transactions to a third party. They continue to violate my consumer rights and break the law according to the FCRA THIS IS ILLEGAL! This has caused XXXX and I have considered taking my life because BMW has caused me great distress in disclosing my transactions illegally to these third parties! Please enforce them to abide by the law that protects my consumer rights. 

THE LAW -- -- -> UNDER 15 US CODE 1681 A ( 2 ) ( B ) Exclusions from a consumer Report this account is in violation any credit transaction supposed to be excluded from a consumer report, if a social security card was used in the transaction.
Product: Debt collection

LVNV FUNDING is attempting to collect an assumed debt on behalf of XXXX XXXX for the amount of {$51.00}. I have made several attempts to communicate both the collection company and creditor. This debt does not belong to me and I have never had cable services with XXXX. I have requested proof of a contract stating that I have business with them. This is negatively affecting my credit rating.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting act protects consumers from inaccurate, incomplete and/or unverifiable information and these must be removed or corrected within 30 DAYS. 
Accounts : 1. XXXX  XXXX ( XXXX  Account ) 2. XXXX XXXX  3. XXXX XXXX XXXX ( XXXX XXXX  ) In addition, there are a number of credit accounts which have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed : 1. XXXX  XXXX ( XXXX  Account )
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service and unfair practices, which violate Consumer Financial Protection Act. 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 redres. for these violations.
Product: Student loan

I am showing as late XXXX XXXX and late XXXX XXXX. If I was in a bankruptcy XXXX to XXXX XXXX I should have not been reported. XXXX is saying ECMC reported me and ECMC is saying they did n't so who reported me. Both companies are trying to say the other reported me and neither will correct my credit reports
Product: Credit reporting

Equifax is reporting a judgement on my account that does not belong to me case number is XXXX. I 've enclosed the case information. 
1 ) I 'm not the defendant that 's being sued
Product: Credit reporting or other personal consumer reports

In Accordancewith the Fedral credit reportingact. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

After pulling a copy of my Consumer credit report I noticed that the credit agencies are in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the investigation. Under FCRA 15 U.S. CODE 1681 B in case of liability of a natural person for obtaining a consumer report under false pretense or knowingly without a permissible purpose, actual damages sustained by the consumer as a result or {$1000.00} whichever is greater! 

ACCOUNTS : XXXX Account # : XXXX -XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX -XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX INQUIRIES : XXXX XX/XX/2021 -XXXX XXXX  XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

There is ( 2 ) hard inquiries that was placed on my credit report that was for XXXX  Card that were made on XX/XX/XXXX and XX/XX/XXXX to XXXX  Card| XXXX XXXX DE XXXX. 

I was XXXX  when these inquiries were made and I was not XXXX  until XX/XX/XXXX. I did not have access to the internet and was not able to apply for this credit card.
Product: Money transfer, virtual currency, or money service

XX/XX/year> I sent XXXX $ through XXXX to a company called Luxury beauty bar that I had seen on XXXX, before sending any payments i asked how long it would take to receive what i had purchased. She stated XXXX buisness days. I never received a tracking number in which I reached out multiple times once i realized i was scammed I reached out my bank and my bank isnt doing anything about it
Product: Credit reporting, credit repair services, or other personal consumer reports

Why won't TransUnion stop playing semantics? The attached ID is more than enough ID and is what was previously provided to them. They don't actually read their letters and need to check their XXXX machines that read the letters before it gets them sued. SEE ATTACHED.
Product: Checking or savings account

This complaint is for capital one 360 I had two claimes I filed Two packages were misplaced/stollen And I spoke to the merchant ( XXXX ) they refused to reimburse the funds even though their return policy clearly states they reimburse packages that arent received. I asked my financial institution to step in and they filed the skin for XXXX and XXXX for the items they refunded one item but not the other and I bought them the same time. They claim the company shipped the item and I agreed but I just didnt get the product which is why I asked for them to intervene. I just dont understand how they would honor the claim for one product but not the other when they were both shipped and bought together.
Product: Mortgage

XX/XX/XXXX : Mortgage paid in full XX/XX/XXXX : First contact requesting company file satisfaction of mortgage/lien release sent to XXXX [ auto reply referred back to customer service ] XX/XX/XXXX : Followed up with Loancare : " The agent I talked to said that it looks like they're trying to expedite the paperwork and I should check back in 5 to 7 business days. So maybe next week. '' XX/XX/XXXX : Followed up with Loancare. " It doesn't look like it's been sent yet, they have 120 days, they'll try to expedite it, call back in 5 to 7 days. Their 120 days is up on XX/XX/XXXX, if I'm calculating correctly. '' XX/XX/XXXX : Followed up with Loancare. " The agent I talked to today said that they're putting in requests to expedite and those are then being closed because they're not expediting anything due to COVID. She said it usually takes 90 days, which puts us into the second week of XXXX. I said that the others had said 120 days and she admitted it can take up to 120, but it's usually done in 90. And she doesn't know why it takes that long - just that it does. '' XX/XX/XXXX : Followed up with Loancare : " The agent talked to said that the documents were sent in XXXX, but that there was no copy of the document that I could access through their online system and she didnt have a specific date on when it was sent or tracking information or anything. So Im a little concerned that it was not actually filed and she was looking at the wrong thing. '' XX/XX/XXXX : Followed up with Loancare : " I just talked to Loancare again and the person I talked to THIS time said that the document actually has NOT been mailed and the request is being processed and should be released by Friday ( XX/XX/XXXX ). She said that a physical letter is sent to the county and shed put in a request to have a copy e-mailed to me when its released. '' XX/XX/XXXX : Followed up with Loancare : " They said that the lien release was sent to the county electronically on XX/XX/XXXX. '' XX/XX/XXXX : Followed up with county - paperwork has not yet been received. Followed up with Loancare, " they  confirmed that the notes in our account say it was emailed on the XXXX -- I asked if the Loancare agent if e-mailed meant that it was submitted electronically and she put me back on hold. Then she came back and said she *thinks* they were actually physically mailed and theyd e-mail a copy to me as soon as they have it in the system and to call back if I dont have the e-mail by XX/XX/XXXX. '' XX/XX/XXXX : Followed up with Loancare. There is no tracking or proof that the documentation was sent. Agent offered to have a senior manager in the lien release department call me. 6 hours have passed and no phone call has been received.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate ( 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: Debt collection

XXXX XXXX XXXX  Account number XXXX- Is reporting an erroneous collection on my credit report .... I have resolved it with the original creditor XXXX a few months ago. I called XXXX XXXX to ask them to remove this collection since it is null and not accurate, the bureaus could not validate this account kept asking for my social and rude lady screamed at me threatening to send a cop and arrest me. Now they are calling my work, my parents house event my aunt 's house who has a heavy XXXX accept collector called her names and accused her of disspeacable things threatened to arrest me if she didn't give her my social number and a credit card to pay this balance.. isnt ' this illegal ... I sent them letters of dispute which came back undeliverable from the address that is on the credit report. please help and stop this horrible collection company from being in the business in first place
Product: Debt collection

Hi Debt was already paid to a XXXX balance. Credit file does not reflect debt paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the inaccurate accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$370.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$4700.00} XXXX XXXX XXXXXXXX : {$370.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX : {$470.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX : {$640.00}
Product: Credit card or prepaid card

Im a XXXX  from XXXX and I arrived here in the United States on XX/XX/2022. I tried looking for a credit card that doesnt need credit scores in order for me to apply since I havent established yet because Im new here in US XXXX My friends recommended Discover credit card and I tried that one. The application was easy, they just ask for gross annual income, monthly rent, and personal information, then youre approved already. The arrival of the credit card was prompt, upon acquiring it, I immediately activated it to start building credit score. After a week, I received a call and an email that I need to provide them a notarized form and a 3 month bank statement, which obviously I dont have since Im new here in the US , so I cant comply with that. I told them that I arrived XXXX of XXXX this year, so I thought I will be given consideration, but unfortunately they sticked to their deadline, leaving me no choice but to close the account. But before closing, I paid the pending payment. I asked them if this will affect my credit score, they dont know. They said I should just call the credit bureau, but I dont have any idea with that. As a newcomer in a foreign land, Im quite nervous since it might affect my credit score and unable to apply for other companies or banks because of that scenario. My friends also face this unfortunate case. I hope this will be resolved soon and give peace of mind to us new XXXX  here in the United States. Thank you.
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX XXXX XXXX is fraudulent on my credit report and should be deleted immediately Ive emailed the company and they have told me the matter is resolved and that it should be removed. Ive called and ask for it to be removed and it is still reporting. Im going add the emails with the company stating that the item shouldnt be on there.
Product: Student loan

In anticipation of my loans entering repayment after an in-school deferment, I e-mailed a NJClass representative to ask about my bill due date an the amount. I was given incorrect information, and as a result my account is currently delinquent. The e-mail history is attached here.
Product: Debt collection

In accordance with the fair credit reporting act these creditors have violated my rights. Under 15USC1681, SECTION 602 STATES I have the right to privacy. 15USC1681 SECTION 604A SECTION 2, it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as LATE for any purpose. 

XXXX XXXX has been harassing me, I tried several times to amend with the company. 

Please remove from my account. 

Thanks
Product: Credit reporting or other personal consumer reports

1 ) Achieve personal loans Acct # XXXX : Factual disputing and an billing error. This account is not reporting uniform with the other bureaus and there is a billing error based on 15 US 1666B. MUST BE REMOVED 2 ) XXXX XXXX XXXX Account # XXXX Facutal disputing and billing error. 15 US 1666N. MUST BE REMOVED 3 ) XXXX- Account # XXXX Factual disputing and billing error. 15 US account must be removed. 
4 ) XXXX XXXX XXXX / XXXX - ACCOUNT # XXXX factual disputing and billing error. 15 US 1666B ACCOUNT MUST BE REMOVED. 

I have submitted requests multiple times to EXPERIAN to update my file to be accurate and complete and they continue to ignore my requests and refuse to abide by the law. They claim it is not me requesting my file to be updated. I have sent them proof of my identity but they still have inaccurate information on my file like the accounts above. 


I have attached reports from EXPERIAN, XXXX and XXXX. EXPERIAN has different information. Their report is not accurate, complete or uniform. This is against the law. 

XXXX STILL HAS XXXX XXXX ON THE CREDIT FILE. THIS ACCOUNT IS NOT ON EXPERIAN OR XXXX AND MUST BE DELETED. I continue to request them to update the file based on factual report and billing errors. They refuse. I need your help holding them accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2019, I attempted to perform several online disputes for account that were inaccurate, duplicates, or not mine. The company refused to perform the investigations, stating : They are not required to investigate previously disputed items. I also wrote several letters that were rejected because they were deemed fraudulent.
Product: Checking or savings account

XXXX XXXX XXXX, ( XXXX, ( XX/XX/XXXX ), Contents of Complaint : I am writing to request and investigation of the following accounts I have NEVERED opened or use the accounts listed below " I'm requesting the following information to be deleted from my XXXX System consumer report immediately I attached a copy of my report to this request The accounts consist of an Bank account opened and inquires below. 



XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX, XXXX XXXX XXXX  Systems , Inc XXXX 
Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX I am writing to request an investigation of the following that appears on my XXXX XXXX XXXX XXXX XXXX report. I have NEVER opened or use the following account numbers : Bank Name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX Routing # : XXXX I don't recognize the following accounts in question. I am a victim of identity theft and I don't recognize this account on my report. I am requesting the following information be deleted from my XXXX XXXX report immediately! I am also requesting the addresses to removed also XXXX XXXX XXXX, XXXX XXXX Md, XXXX XXXX XXXX XXXX XXXX XXXX Md. 

I've attached a copy of the report to this request. 

Consumer Portfolio Services, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I understand that as a credit reporting agency, ( XXXX XXXX ) is bound by the Fair Credit Reporting Act ( FCRA ) to conduct an investigation upon receiving a dispute request. This legislation aims to ensure the accuracy, fairness, and confidentiality of consumer information held by reporting agencies, clearly outlining your responsibilities in such cases. details provided. I trust that you will approach this matter with the necessary attention it demands, and I await the outcome of your investigation. 


Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX The company has not provided the authorized agreement creating the debt which is required to collect on a debt XXXX XXXX. Therefore if there was no agreement in place validating the debt, That means I have no contractual agreement to pay them an alleged debt Under 15 US Code 1692f ( 1 ). Unfair Practices please delete this account immediately
Product: Credit reporting or other personal consumer reports

Account Number : XXXX / XXXX XXXX  XXXX. The late payment in question is reported by TRANSUNION for the period of XX/XX/year>. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TRANSUNION. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

ERC is reporting a fraudulent account on my credit. 
I didnt open this account, nor did I give permission to anyone else to open it on my behalf. 
Please see the attached FTC reporta and my driver license and please remove it from my credit.