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

This XXXX XXXX engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Product: Credit reporting or other personal consumer reports

Transunion Removal Hard Inquiries : I am writing to dispute several unauthorized hard inquiries listed on my credit report, and I demand their immediate removal. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is accurate and complete, and these inquiries have been improperly reported. I expect swift action to correct this issue or I will take further legal steps. 
The specific inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Under Section 604 of the FCRA ( 15 U.S.C. 1681b ), a hard inquiry may only be made with my consent, or if I initiated an application for credit. I did not authorize any of these inquiries, nor did I apply for credit with the companies listed. As such, these hard inquiries are in direct violation of my rights under the FCRA, and I demand their immediate removal from my credit report.

Additionally, Section 607 of the FCRA ( 15 U.S.C. 1681e ) requires credit reporting agencies to maintain only accurate and up-to-date information. The presence of these unauthorized hard inquiries clearly violates this mandate, and I expect them to be removed immediately. 
If these inquiries are not removed within 30 days, I will consider your failure to comply a direct violation of the FCRA and I will not hesitate to take further legal action under Section 616 ( 15 U.S.C. 1681n ), which allows me to sue for actual, statutory, and punitive damages if my rights are not honored. I will also file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or incomplete information, and you are obligated to investigate and correct this issue within 30 days. I expect that these inquiries be promptly investigated, corrected, and removed. If I do not receive confirmation of removal within the required time frame, I will take the necessary steps to hold you accountable for failing to comply with the FCRA. 
Please confirm in writing that these unauthorized inquiries have been removed from my credit report within 30 days. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I file a Dispute 42 charges I found on my prepaid child support debit card one of them was for a {$170.00} and 1 of them was for {$71.00} and after waiting the a lot of time I received a letter that I received a permanent credit sighting in my favor but it was for the wrong amount it was only XXXX when I called the bank to talk to them about this they said that they thought the merchant had already issued a credit to me in which I replied to them that the merchant issued a credit for a completely separate transaction where I had returned merchandise and it had nothing to do with the charges that I had disputed they said they were gon na escalate it up to the dispute team to get it corrected and that I had to wait 5 days after 5 days I contacted them again I was told that they did it wrong and that they were sending it up again and that happened over and over again 4 times I was told it was escalated and that I need to wait 5 days. No resolution still
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account now reporting with XXXX  XXXX  for a XXXX account showing that it opened in XX/XX/2018 and this is an aged account. There has been no service with XXXX in over 7 years. For whatever reason it keeps getting passed around and then reports new but the initial collections occurred over 7 years ago. This should not be listed.
Product: Checking or savings account

I was charged twice by XXXX on my chime account by XXXX on XX/XX/XXXX & XX/XX/XXXX. I have not received a refund from the merchant or my bank. The merchant said the order was cancelled on their end and there was nothing to refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agencies XXXX, XXXX, experian, XXXX and XXXX have been reporting a charge off on my consumers report which is illegal and innacurate because a charge off is considered cancelled debt and the IRS considered cancelled debt as gross income. IncomXXXX can not be reported on a consumers report. This is libel defemation, these consumer reporting agencies are reporting something that is not supposed to be on a consumers report so other parties can see. This can cause financial and emotional damage. Other parties seeing this can question my financial responsibility off of something thats not suppose to be reported. 

Income isnt suppose to be reported on a consumers report and also consumer reporting agencies must follow FRCA and FRCA 15USC 1681 states for a consumer reporting agency to furnish something on my report they need my written permission. I never sent a written permission stating I wanted this reported. The consumer reporting agencies are reporting inaccurate information which is reporting income on a consumers report when in fact its not supposed to be reported occurring to the IRS, furnished something that I never gave written perrmisission /consent on. Envaded my privacy. According to the laws that these consumer reporting agencies broke, they defamed me. They are reporting information so third parties can see and see a wrong impression which will ruin my reputation question my financial responsibility, this will cause financial and emotional stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted XXXX XXXX XXXX a fraud packet regard a debt they purchased by XXXX XXXX-this account was an account that was taken over by a hacker and I had charges that I didn't authorized on the account that happened over 6 years ago. I submitted the fraud paperwork to XXXX  XXXX but some how this account when to XXXX. They reported to my credit report. 
I did a fraud packet and submitted everything to them-they refuse to remove it off my equifax credit report. I have submitted two disputes and they keep sending back that the account is valid. 
I have attempted to call them and all I get is told that I need to pay the bill. So, I have no choice but to hang up.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


Disputed Accounts : XXXX - XXXX XXXX XXXX - XX/XX/XXXX - {$1600.00} XXXX - XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$3400.00} XXXX - XXXX XXXX - XX/XX/XXXX - {$2100.00} XXXX - XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} Hard Inquiries to Be Removed XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

i want to pay the lender off for a vehicle financed at $ XXXXmonth for 72 months at 18 % the total amount owed and quoted XX/XX/2020 is {$7100.00} and valid until XX/XX/2020. However, They are giving me the run-a-round making excuses about the payment method. At this point, with previous experiences with the dealership and the lender i do not trust either one of them and don't believe what they say because i have proven otherwise as far as those so called backend charges that are part of the purchase price and can not be removed ... well i had them removed. i've been waiting for them to be removed from the total amount financed and was told by the dealer that it takes 4 to 5 weeks. its all a scam to extort money from people and make it look legit. i had to borrow on my life savings to get out of this mess. as much as i hate the car, don't like the car and don't want the car and it kills me to have to pay for it. i, d gladly do it so i don't ever have to deal with these crooked thugs in suites they should be in prison not slapped with a class action law suite . clearly it hasn't affected them because i cant get approved for a XXXX card from XXXX but got financed by this crooked lender notorious for doing exactly whats been done to me and thousands of hard working unsuspecting people ... SHAME ON ALL OF THEM. 
PLEASE HELP ME PAY THESE PEOPLE DIRECT OR ADVISE SO IT DOESN'T GET CONVENIENTLY GET LOST IN THE MAIL AND COST MORE THAN QUOTED.. 
THANK YOU.
Product: Mortgage

I filed for Bankruptcy XXXX XXXX, in CA. My Loan was with Caliber Home Loans. They sold my home for {$4800.00} over what was owed against the loan. I never got a check, but received a XXXX showing that they wrote off {$5500.00} in interest. Called the IRS who told me I would have to go after the lender for fraud, but I would have to file as per the XXXX Called them twice at an hour the first time. They could not give me an answers or accounting of the figures. Called them again they left me on hold. Gave up after nearly 40 min. This company had over XXXX complaints here and Ill be securing another attourney and going after them for all expenses as well as fraud.
Product: Debt collection

I tried to work with green trust cash on a balance owed by stating I could pay less. After I stated this and revoked all ACH authorization green trust cash then stated that they would take my money out anyways and they would have me arrested. This was the conversation over the phone on XX/XX/XXXX. Today XX/XX/XXXX I emailed green trust again asking for a reduced amount of payments and they  responded with a copy of the contract showing interest of 700 % which is illegal in the state of Alabama. By good faith i was going to pay this back but now they have threatened jail time to me and stating I will have to pay more than I borrowed cause it will charge me each day. I am afraid this company is going to get into my account without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax takes long to update my credit report update each month and as well i have inquires that was not authorize on all 3 bureaus
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and disappointment with the unresolved issues concerning late open accounts and charge off accounts on my credit report, despite my tenth attempt to rectify the situation. 

Despite my persistent efforts to address these inaccuracies, they continue to negatively impact my creditworthiness and financial opportunities. It is deeply concerning that despite providing thorough documentation and following the prescribed procedures, the problems persist without resolution. 

I request that you thoroughly investigate and correct the late open accounts and remove the charge off accounts from my credit report. Additionally, I expect to be kept informed of the progress made in resolving this matter. With this, I am asking for your assistance to remove the charge off and correct these late open accounts in my credit file : XXXX. XXXX XXXX XXXX Balance : {$1200.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. 

XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$35000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX. XXXX XXXX XXXX Balance : {$56.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account. 

XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information XXXX be wrong. I need this removed immediately. 

XXXX. XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} - The payment history and status is inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the XXXX reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

XXXX. XXXX XXXX XXXX : {$7900.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT AND UNDER 15USC 1681 E ( B ) AND 15 USC 1681i ( 5 ) THIS ACCOUNTS ARE IN VIOLATION OF NOT REPORTING 100 % ACCURATE. I noticed several inquiries had been made and where not for permissible purposes which is a violation of FTC law 604 [ 15U.S.C.1681b ] and therefore should be removed immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE AND UPATE ALL OTHER ADDRESS XXXX 

AS A CONSUMER I REQUEST TO KNOW ALL THESE STEPS YOUR AGENCY TOOK TO ENSURE THESE ITEMS ARE 100 % ACCURATE UNDER 15 USC 1681I ( 7 ) A METHOD OF VERIFICATION - DESCRIPTION OF REINVESTIGATION PROCEDURE.
Product: Credit reporting or other personal consumer reports

I am formally filing a complaint against the a few credit reporting agencies ( XXXX, XXXX, Transunion and XXXX ) as I have submitted many notices to them requesting vital information in which they can only furnish. To date, I have not received a response or update to my requests ; therefore, I am demanding that the inaccuracies are updated on my Consumer Report.

I recently reviewed a copy of my Consumer Report and noticed that there are a few accounts that have not been reporting accurately. These errors are causing inquiry to myself and family as we cant obtain the necessary goods and services for my household.

According to the information currently reporting on my consumer reports, there are several accounts that have been noted as Charge Offs. I am aware that all businesses lawfully acting in commerce are to utilize IRS Form 1099C Cancellation of Debt for any remaining debt obligations not recovered. This IRS form is intended to be reported as income and not debt.

This inaccurate information being furnished on my consumer report is clearly going against the rules of construction in the area of exclusions of reports containing information solely as to the transactions or experiences between the consumer and the person making the report. It also is inaccurate according to IRS Publication 4681, as cancelled debts are defined as Income and not Debt.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX 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: Money transfer, virtual currency, or money service

I am filing 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 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: Credit reporting or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$100000.00} XXXX XXXX Balance : {$5300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$100000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX Balance : {$5300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm challenging wrong reports on my credit file and investigating them. Under the Fair Credit Report Act, I should get {$1000.00} for each error. FCRA 605B requires reporting incorrect accounts.
Product: Mortgage

RE : CFPB # XXXX XXXX stated : " Our records indicate that XXXX XXXX 's 2014 property tax amounts reported to Provident Funding ( XXXX XXXX XXXX client and sub-servicer for XXXX XXXX ) were reported on XXXX/XXXX/2014 as XXXX payments of {$1400.00} due on XXXX/XXXX/14 and XXXX/XXXX/2014. '' I would like Provident Funding to verify or deny that XXXX reported to them on XXXX/XXXX/2014 XXXX payments of {$1400.00} due on XXXX/XXXX/14 and XXXX/XXXX/2014 regarding my property taxes.