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

To Whom It May Concern, I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report. Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 

XXXX XXXX  XXXX - XXXX - Your agency is in violation! 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 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. Delete this at once! 

XXXX XXXX  - XXXX - Your agency is in violation! 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 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. Delete this at once! 

XXXX XXXX XXXX - XX/XX/year> - I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly duplicate entries of a charge-off on XXXX partial account numbers - XXXX. ( Please see page attached from my credit report. ) The first entry is reporting a {$0.00} balance and the second entry is reporting a balance of {$8000.00}. I contacted XXXX XXXX  and let them know that the charges reporting is fraudulent. I did not incur these charges. The representative I spoke with confirmed that this debt does not belong to me. The balance reporting is not accurate and the duplicate entries reporting on my credit report is harming my credit score. This line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Product: Debt collection

2018 contacted the company to inform them that the vehicle had stopped working andI I wasnt responsible for the amount owed on this car I explained that I was just the co-signer this was not my vehicle
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a copy of my credit report, I have found certain information that should be excluded outlined in 15 U.S. Code 1681a ( 2 ) ( A ), ( B ) and ( C ). I believe that any information about a transaction or experience with companies, can not be include on a consumer report and must be removed. 

XXXX XXXX Credit Card account # XXXX opened on XXXX XXXX XXXX Unsecured loan account # XXXX opened on XXXX XXXX XXXX XXXX Auto Loan account # XXXX opened on XXXX Under the XXXX XXXX XXXX, the consumer must be given the chance to direct whether they want the information about a particular transaction to be reported or not. This is referenced in 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ). Furnishing any information on my credit profile without my permission, constitutes as identity theft and is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) and 15 U.S. Code 1681b ( a ) 3 ( f ) ( i ). Also not maintaining a joint notification system amongst all consumer reporting agencies is also in violation of 15 U.S. Code 1681b ( e ) ( 6 ).

Failure to respond satisfactorily with the removal of the above referenced accounts, and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for willful noncompliance which I will be seeking {$1000.00} per violation for : Defamation of Character, Negligent Enablement of Identity Fraud, Fair Debt Collections Practices Act 15 USC 1692g violations. Reminder under 15 U.S. Code 1681o you must comply with my instructions within 5 days. Additionally, continuing to show the information on the consumer report is a direct violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) of FCRA.
Product: Credit reporting, credit repair services, 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 XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX - XXXX XXXX # XXXX have 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. 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 antidotes 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: Debt collection

I got this debt collection that is not mine. Not the right DOB, not the right SSN.
Product: Vehicle loan or lease

XX/XX/2023, I applied for auto financing online. XXXX XXXX XXXX Santander Consumer USA XXXX was the only lender that replied that I had been pre-approved for {$40000.00} auto financing. They told me to pick a XXXX dealer, which I picked the hometown dealer, XXXX XXXX. I communicated with a salesperson and told him I would be at the dealership on XX/XX/2023. I had chosen a vehicle within the pre-approved price range and we proceeded with the application. Many lenders ran my aplication and I was denied by every one of them, unless I was to put XXXX XXXX downpayment. 
This amounts to numerous Federal Truth In Lending and Equal Credit Oportunity Act violations.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I filed for XXXX XXXX bankruptcy under the U.S. Bankruptcy Court for the XXXX XXXX of Pennsylvania. The court granted a discharge on XX/XX/XXXX, upon reviewing my credit reports from Experian, XXXX and XXXX. I identified inaccuracies related to the reporting of my bankruptcy and associated accounts. 
Specific Issues Identified : 1. Incorrect Bankruptcy Status : 2. Accounts Not Updated Post-Bankruptcy : 3. Inaccurate Dates : Impact on Me : These inaccuracies have adversely affected my credit score, hindering my ability to obtain new credit and causing undue stress.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Balance : {$21000.00}
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer with the right to privacy. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information, to insure the security and confidentiality of customer records and information ; to protect against any anticipated threats or hazards to the security or integrity of such records ; and to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to the consumer. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX has continued to break to law while causing harm to my family.I have not given my written consent to furnish this account information and have I long ago contacted the creditor in writing and opted out off all communication regarding this account. The continued inaccurate reporting of this account shows that these companies have failed to adopt reasonable procedures which are mandated by federal law. Aside from the inaccuracies there are several experiences listed on my credit report that occurred between me and this creditor which violates the FCRA. Further, the IRS says that a charge off/cancelled dept qualifies as income, and I am supposed to receive a 1099-c from the creditor to claim my income, ( which this creditor has failed to provide ). Specific information regarding my income should not be advertised on my credit report. Lastly I have never received a bill statement from this creditor in a timely manner as required by law, yet until this account closed they continued to credit my account with late payments and additional charges. The negligence of these financial institutions have caused myself and my family extreme harm and anguish.

These financial institutions have violated the following Federal laws : 15 USC 6802- ( b ) ( 1 ) ( B ) by failing to comply with 16 CFR 314.3 ( b ) ( 1 ) 15 USC 1666b- ( a ) by failing to comply with 12 CFR 1026.7 15 USC 1681- ( b ) 15 USC 1681a- ( d ) ( 2 ) ( A ) ( i ) by failing to comply with 12 CFR 1022.20 ( b ) ( 3 ) 15 USC 1681b ( a ) ( 2 ) IRS Publication 4681 The Privacy Act of 1974 I am asking the CFPB to investigate these companies negligence. These companies have made my life difficult in reporting this account for the for almost 6 years. Now it is XXXX and I'm not able to get my family what they need
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

I own a home in XXXX Oklahoma I bought before my marriage in XX/XX/XXXX in XX/XX/XXXX I was beaten by police and wrongfully arrested here when I called on a XXXX  XXXX as the victim and was XXXX and wrongfully arrested the charges of XXXX XXXX and XXXX in front of a minor child and 2 counts of XXXX were all dropped but they still charged me with XXXX XXXX XXXX about a couple weeks later XXXX cane into my home and told me if I didn't leave my own premarital home because I looked like an XXXX  they would take my kids into XXXX custody and I left I have since lost my home and was put in federal housing 8 months I had a pouring leak in my ceiling and couldn't get help with it plus I was invaded by violent individuals so I relinquished my apartment 4 years ago I have been homeless 4 years I am currently on XXXX finally after fighting 11 years in this city to obtain XXXX XXXX I started receiving in XXXX but I can't obtain a residence I have 4 case managers here in XXXX but no body is taking my case serious I still have a mortgage in my name but the deed isn't and I believe I should get relocation help on my mortgage company and financed in anothet home seeing anything u have in Oklahoma before marriage ia still yours after I don't see how because I couldn't obtain income note legal help to get my divorceI lost my home and am homeless I am also XXXX XXXX card holder and haven't gotten my tribe help at all i need help
Product: Credit reporting or other personal consumer reports

I went to check my credit score and saw there was XXXX hard inquiries on my credit report that I did not permit nor recognize and I than filled out a ftc report that I am now reporting to you. 
Feb/destiny XXXX Bank XXXX XXXXXXXX XXXX Bank XXXX XXXX BANK XXXX XXXX XXXX Bank None of which I permitted my credit be used or ran.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I have fraudulent accounts on my credit report. Please remove these accounts from my credit report as they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lost wallet and placed a freeze with 3 credit organizations including Experian. 

Found wallet and removed 2 credit freezes on line with no problem. Experian was given all the correct information including the PIN number. 

They were not able to remove on-liner and gave a reference number to call instead. When calling, no live attendant is possible except for " selling. 

Instead of resolving after giving information Social Security number, address, etc. There is no intention to resolve, but to advise you to mail them with numerous amounts of information. Will have to certify letter so they cant say they did not get it. 

In the meantime, they are now sending emails after the online rejection to remove the freeze, to buy their services. 
Also, I cant refinance and take advantage of todays rates because of being held captive by Experian. 
I have a pin, but of no help. 

XXXX  and XXXX was a 2 minute on-line transaction. Experian is abusing the process for personal gain by selling services instead of solving their on-line problems.
Product: Mortgage

In XXXX I told Carrington that I had became XXXX and no longer able to work, that things were getting tight as we are adjusting losing a XXXX salary. They said there is nothing they could do becuase I was current and that I had to be in default before they could help. I said the biggest reason i am having troubles is from them preventing me from refinancing the house and then when they bought my mortgage added fees and raises my payment. They said nothing I they can do until in default. So I stayed current, so then my whole family got XXXX in XXXX wife missed a lot of work my brother had XXXX had to stay with us he passed away XX/XX/XXXX. We were in bad hurt. Then the hurricane hit and wife lost more work so I asked again in XXXX telling them same answer I must be in default first. So then I talked to VA they said I can get disaster relief from storm so I called back they said no I'm not in default. So I waited until XX/XX/XXXX now I am one day in default. They took an app for disaster relief then they told me three days later I couldn't do disaster relief. That I don't qualify for any sort of relief as I am not working but I do qualify for XXXX. So I did that. They said it would stop everything and I can figure things out. Which I thought was perfect im not in a real bad shape I just have to rearrange from becoming XXXX and trying get straight that in three months the money I use on mortgage can clear up and all will be fine. But then a week later the big surprise comes. I get a phone call from someone wanting to buy my house says he can see I am in preforeclosure. What wait how no I am not he knew I was behind and how much that bank sold my information for profit to XXXX who XXXX XXXX XXXX me that and had me drop to my knees in panic. I called bank they said that I still owed for XXXX, yall told me once I filed it would all be handled well not really becuase you filed in XXXX you owe XXXX yall told me I couldn't file until i was in default I know sir I'm sorry that's the rules. She hung up. Yesterday I got a letter saying I owe that one payment plus thousands in other fees it not paid in 35 days they will foreclose. While I'm I'm covid forbearance I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

Well these credit companies have been using my social security number fraudulently with the banks for a while ..Ive been scammed lied to and at this point they gaslighting wanting me to believe Ive never had any credit..The banks blames the credit companies and the credit companies blames the banks.The bottom line is that my trust was broken and violated. ( MEANING ) STOP saying Im the DEBTOR on and account!!!!!!!!!!!!! I am BENEFICIARY/ XXXX on all of my accounts with my SSN number.These credit companies lied and have several VIOLATIONS that have made on my account.I hold these bureaus or the UNTITED STATES TREASURY responsible for this ..I will no longer be treated poorly and lied to like a dog.15 usc 1681 will update you on what your job is.Nothing about these companies is TRUTH OR LENDING the trust is broken and I want to be reimbursed for PERSONALLY REDLINING me to the XXXX.I can prove all the credit companies lied on my reports I have never been approved for any CREDIT until recently which was a car financial charge for my car.But besides that A BIG FAT NOdue to CREDIT REPORTING.EVERY CAR LOAN DENIEDI JUST APPLIED FOR A APARTMENT DENIED.EVERY time I apply for any type of credit card from any MERCHANT. ( DENIED )!!!!!!!!!!!!!!! I dont understand how Im denied when XXXX XXXX is ACTIVEEEEEEEWho works for the LIVING WOMAN or MAN???? Ive been lied to and DECEIVED MY WHOLE ENTIRE LIFE!!!!!!!!!!!!!!! ! Forced to sit hungry instead of receiving CREDIT CARDS TO PURCHASE FOOD or things for my family needs.This is unacceptable when THESE same CREDIT COMPANIES give XXXX  and also XXXX CREDIT CARDS n loans all day every day.WHAT IS GOING ON????? CFPB.???????????? Why are XXXX receiving CREDIT LINES AND LOANS and me as BORN N RAISED in the UNITED STATES OF AMERICA denied my whole LIFE?????!!!!!!!!??? I am not asking Im TELLING YOU GUYs to do your job and hold these fraudulent companies responsible for redlining SO CALLED XXXX AMERICANS..Im not XXXX Im XXXX to this land and will be treated like any other customer.The discrimination and racist actions needs to be investigated the banks and credit companies until they stop DECEIVING LOYAL AMERICANS that is protected thru the CONSTITUTION.Have you guys forgot the OATH you all took????? Well Ucc 1-308 just in case you forget..However get this complaint please do right by the people and please stop letting these corrupt companies ruin good relationships with honest BEINGSI want 1,000 per violations found by theses credit companies and I will be consulting legal options because this is truly unacceptable
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer services and unfair practices, which violates the customers Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and 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 resolutions requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions has cause inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

According to Thunder Road Financial they have said I received a loan from them as the retail installment contract states reveals. Upon information and belief, there is no proof of Thunder Road financial being a lender in my Retail Installment Contract. Upon further investigating Thunder Road Financial is in violation of FDCPA for being a debt collector and using 15 usc 1692fUnfair Practices to try and collect a debt not owed.As well as 15 USC 1692d, e, and g. 
Thunder Road has no merit in this contract as this retail installment contract has no signature or mention of thunder road financial on it. I have asked Thunder Road Financial to provide me with debt validation as through UCC9-210 states : 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT. 
( a ) [ Definitions. ] In this section : ( 1 ) " Request '' means a record of a type described in paragraph ( 2 ), ( 3 ), or ( 4 ).

( 2 ) " Request for an accounting '' means a record authenticated by a debtor requesting that the recipient provide an accounting of the unpaid obligations secured by collateral and reasonably identifying the transaction or relationship that is the subject of the request.

( 3 ) " Request regarding a list of collateral '' means a record authenticated by a debtor requesting that the recipient approve or correct a list of what the debtor believes to be the collateral securing an obligation and reasonably identifying the transaction or relationship that is the subject of the request.

( 4 ) " Request regarding a statement of account '' means a record authenticated by a debtor requesting that the recipient approve or correct a statement indicating what the debtor believes to be the aggregate amount of unpaid obligations secured by collateral as of a specified date and reasonably identifying the transaction or relationship that is the subject of the request. 

( b ) [ Duty to respond to requests. ] Subject to subsections ( c ), ( d ), ( e ), and ( f ), a secured party, other than a buyer of accounts, chattel paper, payment intangibles, or promissory notes or a consignor, shall comply with a request within 14 days after receipt : ( 1 ) in the case of a request for an accounting, by authenticating and sending to the debtor an accounting; and ( 2 ) in the case of a request regarding a list of collateral or a request regarding a statement of account, by authenticating and sending to the debtor an approval or correction. 

Thunder Road Financial is in numerous violations and attempting to collect a debt already paid.