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

I demand you to remove XXXX  from all three credit bureaus
Product: Debt collection

I am writing to formally lodge a complaint regarding a recent court proceeding in which my rights as a consumer were violated. The case involves Lloyd & McDaniel, who sued me in court claiming to represent XXXX Bank. 

During the proceeding, the presiding judge displayed a concerning lack of understanding of the Fair Debt Collection Practices Act ( FDCPA ) and the rights it affords consumers. Specifically, when I informed him we had requested a debt validation letter, the judge asked what it was and appeared unfamiliar with this essential consumer protection under the FDCPA. 

Additionally, the judge 's ruling was based on an inadequate assessment of the case. When asked whether I had a credit card, I answered affirmatively. Without any further discussion or consideration of my rights under the FDCPA, the judge ruled in favor of the plaintiff. This cursory handling of the case ignored my right to have the debt validated and any potential defenses I may have had.

I am deeply concerned that if this judge is overseeing similar cases without a proper understanding of consumer rights, many individuals may have their rights violated and face unjust judgments. It is imperative that judges handling debt collection cases are well-versed in the FDCPA to ensure fair and just proceedings.

Given the seriousness of this matter, I urge you to investigate this case and take appropriate action to ensure that consumer rights are upheld in all debt collection proceedings. It is crucial that the judiciary is knowledgeable about the laws they are enforcing to prevent further injustices. 


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

XXXX XXXX Account number XXXX Late Payments Unauthorized Inquiries XXXX XXXX XXXX Account number XXXX Account is Closed please remove off from my credit report unauthorize inquiries XXXX XXXX Account number XXXX Account is Closed please remove off from my credit report unauthorize inquiries XXXX XXXX Account number XXXX Account is Closed please remove off from my credit report unauthorize inquiry XXXX XXXX Account number XXXX Account is Closed please remove off from my credit report unauthorize inquiries XXXX XXXX Account number XXXX Account is Closed please remove off from my credit report unauthorize inquiries XXXX Account XXXX XXXX account XXXX Unauthorized Inquiry please remove off of my credit XXXX XXXX Account number XXXX Charged off account unauthorized inquiry please remove off my credit report XXXX XXXX Account number XXXX Charge off account XXXX  unauthorized inquiry please remove off credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ) account opened without my consent. 
Victim of Identity Theft fraudulent account opened without my consent. 
I am writing to dispute the reporting of a closed account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, all information provided to the credit bureaus must be accurate, complete, and verifiable. 

This account does not meet Metro 2 compliance standards in one or more of the following ways : Accuracy : The account may contain incorrect dates, balances, or status not aligned with my records.

Completeness : Incomplete information about this closed account is present, which misrepresents my creditworthiness.

Under 15 U.S.C. 1681i, if any item on my credit report can not be verified as accurate, it must be removed. Given these discrepancies, I demand that this closed account entry be deleted from my report within 30 days.
Product: Debt collection

I took out a loan from a company called " Loan me '' in XXXX of 2015 of the amount of {$2500.00}. I received a phone call from my sister that someone named XXXX contacted to verify who I am and where I live, she also contacted several other people in my family and job to get in touch with me. When I called XXXX she told me that she works for a company called " XXXX XXXX XXXX '' in good faith I gave her my account information because I know I took out this loan and set up a payment arrangement with her which was going to be {$400.00} a month over the course of 2 years with no interest ; however, when I looked up this company there is no information of its existence. I asked XXXX to send me a letter to confirm that she works here and I got an address which was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and phone number is XXXX. When I look up this address it is showing that it is a XXXX XXXX. She threatened to take me to court and sue me for the {$4800.00} and guaranteed me that I would loose in court. After I hung up the phone with her something did n't seem right. I started to do my research and contacted Loan me to see where my debt had gone and they told me that it got sold to " XXXX XXXX XXXX '' and that they ca n't give me anymore information not even a number to contact them and that I had to look it up. After looking up the company XXXX XXXX XXXX, I am still not able to find any information on it. All I would like to do is find out where my debt went and see how I can settle this because none of these companies that are calling me or non- existent. I went ahead and cancelled my debit card and reported it to my bank but now I am back at step one.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IS HAS VIOLATED MY RIGHTS AS A CONSUMER AND HAVE NOT REMOVED AN ACCOUNT THAT CAN NOT BE VERIFIED. I CAN ONLY VERIFY DEBT. AND I DO NOT VERIFY THIS DEBT.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, when I checked my XXXX XXXX on XX/XX/2024, I noticed there are multiple names on my account and XXXX accounts opened without my permission under different name. I contacted XXXX and I told him my account was locked for last XXXX years and how come, someone could open the account under my name they advise me to send a complaints to CFPB and let them know what happened the last time I open the credit was XXXX years ago through XXXX XXXX, and anything after that is not mine and there are multiple names which now associated with my account, which none of them belong to me would you please remove those accounts from my credit report and please remove the name thats not mine from my report also? My home address was changed also. There are some accounts which shows its closed also which doesnt belong to me please see attached screenshot of all the documents. Thats none of them belongs to me. Please remove all these from my credit report. thanks for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, I am a victim of identity theft. I previously submitted my identity theft report with fraudulent activity and now am continuing to see MORE COLLECTIONS added to my TransUnion. This is very upsetting and I need this fraudulent information removed from my credit report within 4 business days. 


FRAUDULENT ACCOUNT : Account Name : XXXXXXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Fraudulent Inquiries : COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX COMPANY NAME : XXXXXXXX XXXX XXXX  INQUIRY DATE : XXXX XXXX XXXX COMPANY NAME : XXXX XXXX XXXX  INQUIRY DATE : XXXX XXXX XXXX COMPANY NAME : XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX COMPANY NAME : XXXX INQUIRY DATE : XXXX XXXX XXXX COMPANY NAME : XXXX XXXX INQUIRY DATE XXXX XXXX XXXX XXXX COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX Fraudulent Employers : XXXX
Product: Checking or savings account

My parents ( my name is on the certificate as well ) deposited {$11000.00} dollars into a " Savings Certificate '' at XXXX XXXX on XX/XX/XXXX94 which is now Bank of America. It earned interest and was set to mature in 36 months. The savings certificate looks like a check and has an area for the endorsement on the back. My parents put the certificate in their safe deposit box and forgot about it. The bank has no record of the certificate and stated that their records only go back 7 years. They told us to check with unclaimed property. We checked with the Georgia Department of Revenue and unclaimed property and it is not there either. I also called the Bank of America corporate office and was told the same thing as the local Bank of America.
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 the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Along with, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

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 TransUnion, XXXX, 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 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 # ( XXXX ) 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, credit repair services, or other personal consumer reports

I am writing to dispute XXXX Account number : XXXX where I am only reporting as an Authorized User. This should not be reported in my credit report. This derogatory account is affecting my credit score. I am not responsible for the debt owed by the account holder. I have been disputing this account but XXXX continues to report it. The account closed, I no longer wanted to be associated with this account. I just want to remove me from this account. I am continuously reviewing my credit report. I need to be reported as TERMINATED in Bureau Code next time.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an education loan on my account in the amount of {$10000.00} opened on XXXX. The loan was cancelled and immediately paid back in full to XXXX ( Loan Servicer ) on behalf of the Department of Education. There is a {$0.00} balance on the loan and has been for nearly a year now. I have contacted the creditor and they concurred that there is a {$0.00} balance and they have no idea why Experian is reporting a balance and / or refusing to fix it. 

InXX/XX/XXXX I disputed that entry into my credit report twice via their online app and supplied them with documentation validating a {$0.00} balance. I have my reservations that they even looked into the matter.
Product: Debt collection

Armstrong and Associates keeps calling me about a medical debt. I have expressed each time that I was at work but they kept calling me. They called me at XXXX yesterday and I expressed I was still at work and would try to call back tomorrow. They then called me back, at work, today and said I promised to pay my balance. I did not promise anything and was still unable to talk.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXXAcct. No. XXXX is OBSOLETE. 

Delete this account IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I pulled a copy of all three credit bureaus and I noticed the creditor XXXX XXXX listed on my credit report were not reporting payments made to the account since XX/XX/2021 appalled at this error I reached out to the major credit bureaus ( Experian, XXXX and XXXX ) on XX/XX/2021 via certified mail I included in this letter an explanation of the error along with a copy of the payment history from the creditor XXXX XXXX along with an government issue ID and a utility bill to correct my current physical location, I then waited 30 business days for a response from the bureaus the response was overwhelming that claimed despite evidence of the inaccuracies that this account was certified via the creditor to be reporting accurately and current. I then contacted the company 's regulatory department and was contacted by a company representative named XXXX XXXX Legal Assistant, Compliance on XX/XX/2021 she too had assured me that according FCRA they are required to report factual information to the credit agencies only I informed XXXX XXXX that is correct and questioned as to why the payments that I have been making on my loan are not being reported she went on to assured me that XXXX XXXX is reporting up to date payments on the account to the Major credit bureaus, I then explained to her further that I have copies of my credit reports and they are not reporting any of the payments made in the last 90-120 days she then asked if I could produce copies of my credit reports to further understand the error I submitted the copies via email address XXXX XXXX XXXX assured me she would submit this information " credit reporting department '' and reach back out to me regarding this incident. On XX/XX/2021 XXXX XXXX did reach back out as promised and to my surprise XXXX said " The credit reporting department assured her that they are reporting accurate information along with payment history to the major credit bureaus and that I would again have to dispute the information with the credit bureaus as they have no control over what the credit bureaus report on my credit profile from their company and that they would not be able to reach out to the credit bureaus to correct this error ... ... .convinced that this issue will continue to go on and continue to deface my credit history I wished XXXX a great day and let her know on a recorded line as she informed me that I will be filing a complaint with CFPB Complaint Number XXXX Since then a complaint was filed and closed on XX/XX/2021 with the creditor and they have once again assured me the payments made to the account with XXXX XXXX have been reported to the credit agencies as true and accurate along with payment history and signed contract directly from the creditor uploaded to this website and I have been since instructed that if this error continues to reach out to the credit agencies Experian and XXXX who continue to report these inaccurate information as is violates the FCRA consumer laws to report only true and accurate information and once again the credit agencies failed to correct the error
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, An individual stole my phone number ( XXXX ) and gained access to my Bank of America account. I did not have any access to XXXX after XX/XX/XXXX, as it was hacked and stolen, therefore I did not authorize any transactions made after this date. They had created an XXXX XXXX account without my authorization and transferred my funds from my bank account without my authorization. I had immediatly went to the XXXX XXXX XXXX BoA ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), and made a fraud claim by associate XXXX XXXX. When my BoA account was closed, I still had around {$3600.00} remaning in my balance. However, only {$1600.00} is my original balance and the amount I want back, and BoA is refusing to give my original balance.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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

How are you doing? Can you please help me? During this Covid-19 I been reviewing my credit report, and I was shocked when I reviewed my credit report and found late payment on the dates below XX/XX/2020 for 30 days late. 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, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Money transfer, virtual currency, or money service

I've reached out to PayPal XXXX times in the last XXXX weeks regarding my inability to add funds to my account from my debit or checking account. Despite being able to perform most other functions, PayPal keeps citing " system '' issues as the reason for the problem. When I inquire about the suspicious activity, they simply refer back to the " system '' and advise me to wait for the account to reset itself, without providing any timeframe for resolution. The customer service team has repeatedly failed to escalate the issue, opting instead for generic responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed a few accounts that are 100 percent not accurate. I was unaware of the consumer Burea and other companies reporting fraudulent accounts on my report. I did not authorize or give written consent by law. FCRA states that I can challenge this by law. 15 USC sec 1681i ( a ) They have not provided any proof to me. this is fraud. I have requested 100 proof with my wet ink signature and they did not provide or respond to the allegations that they have in my file.
Product: Money transfer, virtual currency, or money service

I have $ XXXX on deposit with binance.us. they refuse to verify my account, trapping my money on their platform. I am a US citizien. my username is associated with the XXXX or XXXX submited my id, bank statements and everything and they refuse to allow me to access my funds.
Product: Credit reporting or other personal consumer reports

Re : Complaint Against XXXX XXXX  for Inaccurate Reporting During Arbitration Dear Sir/Madam, I am filing a formal complaint against XXXX XXXX  for unlawful reporting of inaccurate information to credit bureaus while an arbitration proceeding is pending. XXXX XXXX actions are in violation of several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the AAA Consumer Arbitration Rules, and the Federal Arbitration Act ( FAA ).

Inaccurate Reporting to Credit Agencies XXXX XXXX  has continued to report inaccurate information regarding my account to consumer reporting agencies while arbitration proceedings are ongoing. This action violates my rights under the FCRA ( 15 U.S.C. 1681s-2 ), which mandates that furnishers of information ensure the accuracy of reported data.

Violation of AAA Consumer Arbitration Rules Under the AAA Consumer Arbitration Rules, XXXX XXXX  is prohibited from taking adverse actions such as reporting inaccurate information during arbitration. Specifically, Rule 9 ( Preservation of Status Quo ) and Rule 10 ( Interim Measures ) are clear that no actions should be taken that could undermine the fairness of the arbitration process.

Violation of Federal Arbitration Act ( FAA ) Under 9 U.S.C. 2 and 3 of the Federal Arbitration Act, arbitration agreements are binding, and any actions, such as reporting inaccurate information, should be stayed until arbitration has been resolved. 

I am requesting that the CFPB investigate these violations and take appropriate enforcement actions against XXXX XXXX. I am also requesting that the reporting of inaccurate information to consumer reporting agencies be immediately halted while the arbitration process is pending. 

Thank you for your attention to this matter. I trust that the CFPB will take swift action to address these unlawful practices. 
Sincerely, By : /s/ XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.