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

112 Claims inaccurate information 111 Claims company will delete. 

106 Disputes present/previous Account Status/Payment History Profile/Payment Rating. 
012-Claims paid the original creditor before collection status or paid before charge-off. 

United States constitution Treaty of peace and Friendship 1789 I am the lessor of this vehicle uniform consumer credit code the Federal Consumer Credit Protection Act 15 us code 1666 correction of billing errors You committed security fraud Can you give me evidence of my indebtedness?

I gave you a security and have not got my dividends from the security I gave you.

You never loaned me any money I received a house for which I am the grantor/Creator of the deed of trust and have the right of subrogation removing you from you fraudulent positions of trustee article one section 10 of the united states of the constitution notice of error Amen in GOD we Trust
Product: Money transfer, virtual currency, or money service

On the evening of XX/XX/2022, my XXXX was stolen from my vehicle as I was putting gas into the vehicle. I was unaware the theft had occurred. The morning of XX/XX/2022 a neighbor in my apartment building alerted me to the fact that my phone was under my front door mat. During the time that the phone was out of my possession, the thief was able to access the Cash App application on my phone, transfer monies from my linked XXXX XXXX XXXX account to Cash App and then on to ( I assume ) himself. Two payments were sent to a person unknown to me by the name of XXXX XXXX, in the amounts of {$300.00} and {$150.00}, respectively. 
Once I discovered what had been done, I immediately contacted my bank ( XXXX ) and Cash App to report the fraudulent transactions. Via chat, Cash App support unlinked my debit card, my checking account and a credit card from Cash App to prevent any additional transactions. The agent informed me they would conduct an investigation and would notify me of the results within ten days. 
A week later, on XX/XX/2022, I received an email from Cash App stating that there was no fraud and they've closed the investigation. The documentation that was used in their investigation is merely a listing of the fraudulent payouts from Cash App to XXXX XXXX. This displays there was no investigation and Cash App wrongfully denied my claim. I have since closed my account with Cash App, but would like to recover the money stolen from me via their app.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my initial complaint in reference to my consumer information being improperly used in my consumer ( credit ) report. Since my submission CFPB has closed my complaints and asked for feedback. My issue was not resolved but verified. Which has taken over a year for the bureaus to do so. In addition, one Bureau has not responded at all. Thus prompting me to open another complaint and file again my request to have these items removed. I'm fully aware of my rights as a consumer and know that they are being violated through this illegal practice. 

According to the law, my rights as a consumer have been violated and these items need to be removed. I have an option to opt-out of my consumer information, social security number, to not be disclosed and given to a third party. My consumer report should not include any authorization or approval of a specific extension of credit directly or indirectly of a credit card or similar device. My social security number is defined as a credit card any card existing for the purpose of obtaining money, property or labor on credit. I utilized my social security card. In the exclusion section my credit report should not have any of the items listed. I will seek legal counsel if they are not. Below are the laws in details. 

15 U.S.C 1681 section 602 ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 604 A -States that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S. C 1681a ( D ) ( 2 ) ( B ) states : Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 15 U.S. Code 1602 ( l ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

From my research these laws are in place to protect consumers like myself. None of these laws were followed to protect me. I'm requesting that these items be removed.
Product: Debt collection

The company is portfolio recovery In the amount of {$3900.00} Claim that I owe them this debt This negative information is impacting my credit as a consumer I do not have a contract with portfolio recovery but it's impacting my credit On all 3 major credit companies XXXX XXXX and XXXX. I do not have an account with portfolio recovery it's showing they are the original creditor on my credit report Sense XXXX the XXXX 2023 Until present
Product: Debt collection

On XX/XX/XXXX at XXXXXXXX XXXX I logged into my bank account to check my account status and balance at that time I realized my checking account had been debited {$80.00} for a levy  and {$240.00} for what was labeled XXXX XXXX XXXX XXXX and I realized at that time my savings account had been debited {$2600.00} and labeled XXXX XXXX XXXX XXXX. I contacted my bank who advised me it was a levy placed on my account from The XXXX XXXXXXXX XXXX Harpeth Financial Services. I have no idea who the law firm is or who Harpeth Financial services are. I never received any notification from either place and I never received a judgment or documents regarding a levy. My bank advised me it shows a total levy of {$4200.00} which means they are going to continue taking money out of my account when I get paid. They took everything I had in the bank and are going to take what will be deposited into the account. I have no way to pay my bills, buy food, or anything else I may need or that my family may need. I have a XXXX XXXX and my husband is a stay-at-home dad. Something needs to be done as this is not right fair and against the law. I also checked all 3 of my credit reports on XX/XX/XXXX and again on XX/XX/XXXX and this company does not show up on any of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX account number 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 customer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite my previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or upated immediately. Account number XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax, 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 credit card opened at XXXX XXXX XXXX on XX/XX/year> under the account number ( XXXX ). 

I AM FILING THIS FTC IDENTITY THEFT AFFIDAVIT TO REPORT 1 FRAUDULENT ACCOUNTS APPEARING ON MY CONSUMER FICO EQUIFAX CREDIT REPORT, WHICH I DO NOT RECOGNIZE AS REPORTED AND WHICH IS THE RESULT OF IDENTITY THEFT AND FRAUD. THIS FRAUDULENT ACCOUNT CONSIST OF A COLLECTION OPENED AT XXXX XXXX XXXX  UNDER THE ACCOUNT NUMBER ( XXXX ). THIS ACCOUNT HAS RESULTED IN SEVERAL FRAUDULENT HARD INQUIRIES AND FRAUDULENT COLLECTIONS APPEARING ON MY CONSUMER FICO CREDIT REPORT. I DEMAND THAT THE AFOREMENTIONED FRAUDULENT ITEM BE REMOVED FROM EACH OF MY CONSUMER CREDIT.

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

I have made all my payments on time, but I am still seeing 1 missed payment on my credit report from the 3 credit bureaus ( XXXX, XXXX and Equifax ) I filled a dispute from all the 3 bureaus and that was corrected after the investigation but few weeks later, as of today XX/XX/2024 it is showing again that I have a missing payment. This is going to affect my home purchase. Please help me to correct this
Product: Debt collection

The company AD ASTRA RECOVERY SERVICES has put a file on my credit report that i am unaware off.
Product: Vehicle loan or lease

This account was closed and payed off as it was a transfer of who owned the vehicle and its negatively affecting my credit, my grandmother took full possession of the vehicle as it was in both names and payed off in XXXX  the dates listed are incorrect which means it has been over XXXX  years and the information is not correct.
Product: Credit reporting or other personal consumer reports

In XXXX, I called ProCollect to pay in full the XXXX XXXX XXXX XXXX in the amount of {$260.00}. The apartment complex agreed that once it was paid in full, the creditors will delete and remove from my credit. When talking to ProCollect they were extremely rude and kept cutting me off stating that they will not delete after they said they would back in XXXX We also talked to a supervisor and he was also even more rude and sounded like he wanted to hang up.
Product: Debt collection

A woman set up services in my name they told me her name was XXXX XXXX and that she tried to fill out an XXXX application also which had all her information on it and they also told me that she made payments using her personal credit card which also have her name on it, I told them that account does not belong to me and that they should be billing her and I asked that they provide the information that they told me which proves that this account was opened fraudulently and they refused to send it. XXXX XXXX XXXX XXXX called me yelling at me demanding that I pay XXXX $ and made a complaint against them multiple times. XXXX is refusing to tell XXXX that the information on file doesnt match and to remove from my credit report. I need this XXXX $ debt removed from my credit report immediately. Ive never had an account with XXXX, I wasnt living at the address when services was given and I have proof of my lease and bills showing where I was living. Ive called multiple times to XXXX and to XXXX to settle this issue and they refused to help me. Please remove from my account. Thank you.
Product: Checking or savings account

On XX/XX/year>2024 I went into Well Fargo on XXXX XXXX XXXX to open a business account for my trucking company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I notice that my transaction was being deducted from my new account. On XX/XX/XXXX, I went to the branch on XXXX XXXX XXXX in XXXX, Ga to see what was going on with my account. I spoke with a loan XXXX that notice that my new account had been linked to another business account that I was authority to use for sole purpose of managing property that didn't belong to me. On XX/XX/XXXX, I spoke with XXXX at the XXXX XXXX XXXX location and explained to him what had happened and he said that shouldn't had happen and I should open up an inquiry so the bank can correct the error that was made when the account was open on XX/XX/XXXX. I was using my business debit card and the money was being debited from the other account and I was not aware that it was happening. I received notice from Well Fargo that it was not fraud since I was an authorized user on both accounts. Although it was a bank error for debit card linkage of accounts, I was responsible for the transactions. The owner of the other account is highly upset and feels that it's not I am not responsible to for the transaction because the bank linked the two business accounts together without both parties knowledge and therefore should repay {$1300.00} in transactions. WellsFargo never did response to me any of the inquires that I put in, but instead sent them to the other account holder address with my name on it. XXXX did call me one time and said that she would back with me and I am still waiting today to hear from her. So, I put in another inquiry and once Wells Fargo did not answer me. I was told that I could have conference call still waiting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT INFORMATION I CONTACTED THE THREE CREDIT BUREAUS THEY ADVISED ME TO GET A POLICE REPORT SO THE FRAUD CAN BE REMOVED FROM MY NAME. I DID THAT AND SENT IT IN TO THE CREDIT BUREAUS, XXXX WAS THE ONLY COMPANY THAT REMOVED ALL FRAUDULENT ACCOUNTS AND INFORMATION XXXX AND EXPERIAN DID NOTHING. I WANT THIS FRAUD REMOVED FROM MY NAME ASAP. THIS INFORMATON IS DEMAGING MY NAME AND CREDIT WORTHNESS. FRAUDULENT ACCOUNTS : 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

TransUnion is attempting to start an investigation after it's already been 55 days since they received my dispute. This is well over the 30 days that they are allocated. This goes against the FCRA! I've attached the tracking number that PROVES the day they received my dispute and I've also provided a copy of the dispute letter. They are to NOT start another investigation. They are to remove the disputed items that they did NOT verify within 30 days.
Product: Vehicle loan or lease

CAPITOL ONE AUTO FINANCE violated 42 U.S.C. 408 by compelling use of my SSN without applying credit properly to the Account. CAPITOL ONE AUTO FINANCE used my Social Security Number meaning the Transaction was prepaid. Notice, it is a fact, affiant is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in TILA as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. This reported information published on my consumer report shown in Exhibit 1 for { CAPITOL ONE AUTO FINANCE ACCOUNT # XXXX }. This is a violation of 15 U.S. Code 1681a ( 2 ) ( B ) and must be removed ( Whoever, in any matter within the jurisdiction of any department or agency of the United States knowingly and willfully falsifies, conceals or covers up by any trick, scheme or device a material fact, or makes any false, fictitious or fraudulent statements or representations, or makes or uses any false writing or document knowing the same to contain any false, fictitious or fraudulent statement or entry. See XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) ( discussing Section XXXX ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Crime : Business and Regulatory Offenses, XXXX ( XXXX ) ( discussing Section XXXX ).
Product: Payday loan, title loan, personal loan, or advance loan

company violated my right to credit, under the equal credit opportunity act, took adverse action on ID theft fraudulent account and closed. This company have admitted discrimination. 
1691. Scope of prohibition ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicant 's income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter.

( b ) Activities not constituting discrimination It shall not constitute discrimination for purposes of this subchapter for a creditor ( 1 ) to make an inquiry of marital status if such inquiry is for the purpose of ascertaining the creditor 's rights and remedies applicable to the particular extension of credit and not to discriminate in a determination of credit-worthiness ; ( 2 ) to make an inquiry of the applicant 's age or of whether the applicant 's income derives from any public assistance program if such inquiry is for the purpose of determining the amount and probable continuance of income levels, credit history, or other pertinent element of credit-worthiness as provided in regulations of the Bureau ; ( 3 ) to use any empirically derived credit system which considers age if such system is demonstrably and statistically sound in accordance with regulations of the Bureau, except that in the operation of such system the age of an elderly applicant may not be assigned a negative factor or value ; ( 4 ) to make an inquiry or to consider the age of an elderly applicant when the age of such applicant is to be used by the creditor in the extension of credit in favor of such applicant; or ( 5 ) to make an inquiry under section 1691c2 of this title, in accordance with the requirements of that section.
Product: Credit reporting or other personal consumer reports

On XXXX Tried Getting an apartment. However on the Experian rental history report they are reporting an old apartment in collections. 

This is incorrect information as I was XXXX  living with my mother. It was not my apartment, however. This should never have been placed on my Experian report for rental history. 

My mother reached out to them and received documents that this was taken care of with no balance and my name was taken off the lease when I moved out when I became an XXXX. 

A Vacate and removal of my information was given and received to the apartments on XXXX which they acknowledged and accepted. 

On XXXX An email was received from the apartment manager when my mother removed me from her lease. It was confirmed.

XXXX A Collection Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. Sent me a collection notice. This notice is invalid and unwarranted as This is NOT my debt. 

All documents have been uploaded for your review. 

on XXXX A Letter of apology was given by the management company regarding this apartment as all fee 's were satisfied and paid in full. This account was not supposed to have been sent to a collection company for this to have been reported on my Experian report for rental history. This was paid on XXXX. Again this apartment was not in my name as I personally did not rent this place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Acting on behalf of my grandson XXXX XXXX XXXX XXXX XXXX  years of age who is currently in my care as I am his legal guardian, I have attempted on 2 occasions to obtain his credit report by Equifax in XXXX Georgia XXXX My grandson is a victim of Identity theft by his own Biological Mother, XXXX XXXX who has mixed the names and social security numbers of both my Son XXXX XXXX XXXX and my grandson XXXX XXXX XXXX XXXX Please see letter that is attached to this complaint. I had written Equifax in XX/XX/2022 requesting my grandsons information as power of attorney at that time. Please see their response which explains mix matched information and they would require addition information to provide his credit history. I had written another letter to Equifax in XXXX, providing all of my demographics and my grandson that was requested. I received a response back from Equifax dated on XXXX XXXX providing a different name of XXXX XXXX and stating that I should mail a request to XXXX XXXX. This appears to be Equifax attempt to blatantly hide my grandsons credit information. I can never get anyone on the phone or speak to a live representative.
Product: Checking or savings account

While checking my balance on Sunday XX/XX/23 I noticed fraudulent charges pending from XXXX and XXXX totaling XXXX. I locked the account and called Truist immediately to dispute the charges. After reviewing the disputed charges with the representative I was ensured that another card would be delivered and no further action was needed. Wednesday XX/XX/XXXX I notice that the pending charges have gone thru and the app shows no pending disputes. I then manually dispute the charges again from the app. After an hour on hold I am informed that no case for the charges had been opened prior to the action I took in the app and I review the disputed charges with the representative again.