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

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

15 USC 1681 Section 602 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 USC 1666B states a creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I was trying to buy a house and upon that realized i had damages specifically the ones listed below from each credit company, these are damages on my report and according to the 15 u.s.c 1618, I should not have any unauthorized damages on my report, below states each one that is on my credit report. 


Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have n't been able to reach any humans thru equifax phone number, they have been sending me emails that my dispute has been resolved but every time i click the link on their email, it says i ca n't see the result, this is a clear violation of FCRA 611 ( a ) ( 6 ) ( A ), which states as follows : " FCRA 611 ( a ) ( 6 ) ( A ) Notice of Results of Reinvestigation 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 completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by means available to the agency. ''
Product: Vehicle loan or lease

Subject : Urgent : Continued GPS Malfunction in New XXXX XXXX XXXX  - Seeking Resolution Dear CFPB, I hope this message finds you well. My name is XXXX XXXX, and I am writing to bring to your attention a concerning issue I have been experiencing with my recently purchased XXXX XXXX XXXX 

In the first month of ownership, the GPS system in my vehicle ceased to function entirely. As the vehicle is still well below XXXX miles and covered by an extensive warranty, I promptly contacted Toyota for assistance. Regrettably, the initial response was inconclusive, and I was charged for a diagnostic examination despite the persistent malfunction. 

Seeking additional insights, I discovered through online forums, particularly XXXX, that numerous fellow XXXX XXXXXXXX XXXX owners have reported an identical issue. The consensus points to a faulty antenna within the Head-Up Display ( HUD ) unit, unique to the XXXX XXXX, which does not bypass the phone signal. This poses a significant safety concern for me as the primary user of this vehicle, especially given that it is a family car with a newborn on board. 

During my initial contact with Toyota, I was informed off the record that the company is aware of this widespread problem. However, I was disheartened to learn that the potential cost of a recall has dissuaded the company from taking proactive measures to address this critical safety issue. 

Subsequent interactions with Toyota representatives have provided conflicting explanations, including an assertion that the problem may be linked to my phone, which is demonstrably not the case as the phone functions seamlessly once disconnected from the car. The latest communication from the dealership suggests that a forthcoming software update will address the issue, but I am concerned that this resolution may be insufficient. 

Given the safety implications and the persistence of the problem, I am reaching out to seek your assistance in resolving this matter promptly and comprehensively. As a consumer who values the Toyota brand, I believe in the importance of maintaining the highest standards of safety and customer satisfaction. 

I kindly request your intervention to ensure that my concerns are thoroughly addressed, and a viable solution is implemented without further delay. Additionally, I am open to discussing this matter further and would appreciate the opportunity to speak with an appropriate representative to provide additional context and details. 

Thank you for your attention to this matter, and I look forward to a swift and satisfactory resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I asked for VALIDATION DATION. I only received the same piece of paper with an account number and an amount on XXXX, letterhead. I have NO KNOWLEDGE of this debt ( I have ALWAYS had state insurance that paid a 100 % of my costs ) Therefore I would like some type of proof that this debt it in fact mine. If you can not provide me with that, this account needs to be deleted from my credit report. I have asked for validation in the past & After asking all accounts were transferred to another collector, except this one. The new collector could not provide validation and removed the items from my report. Im guessing you all cant provide validation either. Yes you say you will send it and send me a piece of paper that XXXX typed themselves.
Product: Credit card

Ordered a Large BBQ sandwich for a total of $ XXXXPosted on my account as $ XXXXI specifically did not include a tipThe manager at the business " XXXX XXXX XXXX '' in XXXX , XXXXInsisted it must have been me, other XXXX reviews prove a pattern of theft and fraud. 
I was not the only one with an unauthorized transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following accounts has violated my rights. 

U S DEPT OF EDXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/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 Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter.
Product: Credit card or prepaid card

I contacted cash app customer service and told them I needed to get into an old cash app account I didn't remember my email or phone number the only thing I could remember was my cash tag and the last four digits of my card number she said all she needed was an email or a cash tag called them back got another person they told me that they were having security problems helping me open it back up and then they go from one story to another but the IRS sent me money into my old cash app account that I don't have access to and they won't help me get access to it because of security reasons
Product: Credit reporting or other personal consumer reports

I want to settle any misunderstandings with my account in a timely manner. Im writing because in my recent credit report there are 4 late payments which are inaccurate. I have provided the documentation to showcase the errors. These errors need to be addressed immediately otherwise I will file a complaint. I have reached out several times and nothing has been addressed. Late payments for the date below are in accurate XX/XX/year> I had an extension for XXXX and XXXX and have provided that information. Please report to all credit bureaus with the correct information immediately. 
XXXX and XXXX of XXXX  I was also not more than XXXX  days late. There were XXXX checks that were sent to me and cancelled and applied to my account. This took weeks to correct with a handful of calls. PLEASE take the time to review and fix these mistakes immediately. 

XX/XX/year> Again, I had an extension!!!! please correct immediately Please carefully look at my account, yes XXXX  was a tough year for me and I was late several times but never long enough to be reported to all credit bureaus. I am planning to purchase a home, and these incorrect missed payments are hurting the chances of that. 

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

i do not recognize this address please remove from my credit reports, thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX I transferred {$800.00} from my checkings account to my cash app account. I then moved the money from my cash app account to my secondary account. The account was then closed by cash app for unknown reasons and cash app will not let me retrieve the money. I have sent several emails to cash app but they only send automated email responses. They do not have a customer support number in order to talk to them. I have tried everything i can think of to try and gain access to my funds but i have been unsuccessful.
Product: Credit reporting or other personal consumer reports

I regret to notify you that it truly concerns me that you chose not to solve my identity theft issue on the basis of a purported factual error or misrepresentation. What qualifications give you the right to decide on important facts? You are neither a judge nor a member of a jury, nor do you have any such authority. When presented with an FTC identity theft report submitted through a law enforcement agency ( in this case, the FTC itself ), compliance with the law is required, according the Federal Trade Commission 's ( FTC ) standards. The following account is NOT MINE : DPT EDXXXX XXXX. I'm giving you one more chance to handle my request regarding the identity theft event. If you do not comply, I will be forced to seek legal action in a courtroom environment, where you will be held accountable for the harm done to my reputation, and my credit, and the emotional distress I have had as a result of this situation. It is very likely that the real material facts will come to light and that you will be made to answer for your carelessness
Product: Credit reporting or other personal consumer reports

Credit Bureau is currently reporting XXXX accounts that were closed as open with balances showing that they are currently late. These accounts were charged off and companies receive tax credit from irs. I requested a 1099c from the creditor and they fail to furnish then XXXX lists the account was open making it look like there are current late payments when these accounts should marked closed with a XXXX balance XXXX bank {$1500.00} listed as open account charged off and balance should be XXXX and XXXX XXXX charged off XXXX and is still showing a balance of {$16000.00} and no XXXX has listed this account as open this is the only bureaus that has not corrected their issue and has violated 15 U.S.C 1681 and I request that these accounts be removed from credit immediately
Product: Debt collection

Cain and Weiner claim I owe XXXX to XXXX for an insurance policy that appears to be either duplicate or fraud. They previously sent me a notice about a XXXX policy, however, they amount they were seeking is much higher. They claim they stopped collection efforts but have now sent me a notice looking for XXXX. My vehicle was totaled and no longer in possession of it, motor vehicle is aware and plates were canceled. I have not been in possession of vehicle since on or around XXXX, insurance with XXXX should have been canceled prior, I switched to another company.
Product: Checking or savings account

XX/XX/2020 : - Bank of America teller notified in person of lost/stolen Debit/ATM/bankcard at branch location in XXXX, Florida. 

- Teller put me on notice old card cancelled, new one to be mailed to me ( at my Michigan address ). 

- Bank was supposed to freeze old bankcard. Bank didn't. 

XX/XX/2020 - XX/XX/2020 : - Numerous fraudulent ATM withdraws in Michigan, totaling {$4400.00}. 

- I was in XXXX, Florida at all relevant times as shown by in-person cash deposits with teller at XXXX bank branch on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020. 

XX/XX/2020 - I received a notice of low balance ( below {$25.00} ) by email at XXXX XXXX. 

- Note that the bank never notified me of ATM activity by email, text or otherwise XX/XX/2020 - Went directly into XXXX BOA branch. Teller provided three page printout of account activity. I identified fraudulent ATM withdrawals. I filed a fraud claim with the bank. 

XX/XX/2020 - Claim was denied by the bank, asserting the ATM withdrawals were " authorized '' ( on a card that should've been cancelled and/or frozen by the bank, for transactions occurring in Michigan when I was in Florida ) Notes : I have not been in Michigan since XX/XX/2020, but rather Florida since that date. 

When I notified Bank of America of my lost/stolen bankcard on XX/XX/2020 ( evidenced by the fact that BOA sent a new Debit Card and froze online/mobile access ), it should have immediately froze/cancelled the card. It didn't. All of the fraudulent activity occurred after I notified Bank of America of the lost/stolen bankcard. 

While I was making deposits in XXXX, Florida, in-person, directly to a bank teller, the fraudulent ATM activity was occurring in Michigan from XX/XX/XXXX - XXXX, 2020 ( three on same days in Michigan as in-person deposits in XXXX, Florida ). 

I kept depositing money while BOA provided NO notice of ATM/withdrawal activity, until XX/XX/XXXX when I was provided a printout in person at a XXXX BOA branch ( my visit prompted by the low balance notice on the evening before/XXXX XXXX ). I made the fraud claim contemporaneously/immediately. Only then the card was apparently frozen/cancelled by BOA, then of course no more fraudulent activity.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE OR DELETE UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT XXXX XXXXXXXX XX/XX/2022 XXXX XXXX BANK XXXX XX/XX/2022 I AM A VICTIM OF IDENTITY THEFT
Product: Credit reporting or other personal consumer reports

XXXX transferred my XXXX XXXX XXXX to XXXX XXXX on XXXX without 30 days notification to borrower in the transfer XXXX neglected to report to all three credit bureaus all new company transfer information to the credit bureaus and has not reported to all three credit bureaus account information of name of company my loan has been transferred to, nor has XXXX XXXX reported any credit information of new transferred loan date of transfer, credit loan information, nor first payment made to XXXX XXXX on XX/XX/year> this has caused much distress and financial hardship for borrower and caused XXXX point ding in borrowers credit score due to negligence and incompetence on behalf of XXXX and XXXX XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked all parties to permanently remove all incorrect information on my credit reports from all three bureaus. Yet, they have complied. I would also like to be compensated for all of my information that was sold to other companies for profit.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and notice inaccuracies about accounts/information.
Product: Vehicle loan or lease

After 40 months of continuous on-time payments through our XXXX XXXX XXXX to XXXX XXXX / XXXX, my husband and I decided to trade for a newer XXXX. There were no issues with financing because, as noted, never a missed or late payment. 

Since we traded on XX/XX/XXXX the first payment on the new bike was due XX/XX/XXXX. My husband paid, as standard, to the new account on XX/XX/XXXX. Unfortunately it apparently takes 5-7 business days for XXXX to receive payment from XXXX XXXX. Now, today XX/XX/XXXX. XXXX, barely 2 days after the first due date, my husband has received NUMEROUS harassing phone calls for the first payment. He tried to explain that it has been made through XXXX XXXX but just not yet received by XXXX. We also requested that the payment date be moved to later in the month ( say the 10th or 13th as that was our prior bike payment due date ) to avoid this situation in the future and allow time for XXXX XXXX to transfer funds. XXXX/XXXX will not accommodate this request and continued to harass us for a payment. I find this collection tactic appalling. And as a bank employee myself, I do know that until a payment is 30 days late, XXXX has zero collection recourse. We can provide documentation of the bankdraft on XXXX XXXX XXXX dated XX/XX/XXXX ( posted to the XXXX XXXX account XX/XX/XXXX ), but I will not attach via this method until someone from CFPB has contacted me directly.
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 items XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2200.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$450.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence regarding the inaccurate items that appear on my credit report. I am deeply concerned about the presence of unrecognizable and reinserted information on my report and wish to reiterate the gravity of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a hand written letter via certified mail to XXXX disputing the three charge-off, credit card accounts ; because they are being reported past the time that they need to be reported on my credit. I requested to have them removed immediately, as other credit bureaus have removed these same account from my credit report already. I received a response with a letter dated on XX/XX/2022 refusing to remove two of the accounts. This is not in alignment as my other credit reports no longer have these accounts reported, and its illegal to report and beyond the statute of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have account on my file that I do not recognize. My name is XXXX XXXX XXXX I have several names that are not my on my credit report. I have fraudulent accounts that appear on my file. please delete the following : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX/ XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, There is a unverified account from XXXX XXXX XXXX OHIO DOCKET XXXX XXXX. I have filed a Police Report with XXXX Police Dept. and CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX 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 # XXXX, and XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit file notice my XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX  # XXXX, XXXX XXXX # XXXX. account has not been properly updated to a positive status yet. FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. This account is due to have the late payments removed from reporting from my XXXX, Trans Union, XXXX. I also saw that there is an unverified and HIPPA Act violation account from XXXX XXXX  XXXX # XXXX I never have done any business with that company, it is an error please delete at once.