23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX XXXX # XXXX, has violated my rights. Delete. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. Delete. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. Delete. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. Delete. 
XXXX XXXX # XXXX, has violated my rights. Delete. 
XXXX XXXX # XXXX, has violated my rights. Never late. Paid satisfactory. 

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

On XX/XX/2024 I sent an Identity theft letter to RECEIVABLE MGMT SVCS, XXXX XXXX, XXXX XXXX. I have not received a response nor has XXXXRECEIVABLE MGMT SVCS, XXXX XXXX, XXXX XXXX. 
complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that were mailed on XX/XX/2024 and an updated FTC identity theft report. To my understanding, according to FCRA, debt collectors have 30 days to respond to disputes and requests made by the consumer. RECEIVABLE MGMT SVCS, XXXX XXXX, XXXX XXXX. have not made one call or sent one letter in regards to disputes I've mailed to them. This is a direct violation of FCRA Section 611 ( A ) ( 1 ). Which is punishable by up to {$1000.00} in fines per violation. If any disputes per the consumer 's request are not met with proof or verification within the requested and lawful amount of time, this account is to be deleted from the consumer 's report, as by lack of response and documentation requested signifies that this account is unable to be validated or verified. This Lack of validation per the consumer request is in direct violation of FDCPA Section 809 ( b ). Attached are the letters I sent plus my updated identity theft FTC report.
Product: Debt collection

I am writing to file a complaint against Caine & Weiner regarding their violations of the Fair Debt Collection Practices Act ( FDCPA ). The collection agency in question has added a debt to my credit history without any agreement or written authorization from me. 


Despite my request that they return the alleged debt to the original creditor, the collection agency has continued to pursue collection activities against me, which I believe is a violation of my rights under the FDCPA. I have also requested debt validation, as is my right under the FDCPA, but the agency has not provided me with any proof that I owe this debt. 
I believe that this collection agency has violated several provisions of the FDCPA, including but not limited to : 1. 15 U.S.C. 1692e ( 2 ) ( A ) - falsely representing the character, amount, or legal status of the debt 2. 15 U.S.C. 1692e ( 5 ) - threatening to take any action that can not legally be taken or that is not intended to be taken 3. 15 U.S.C. 1692e ( 10 ) - using false representations or deceptive means to collect or attempt to collect any debt 4. 15 U.S.C. 1692f ( 1 ) - using unfair or unconscionable means to collect or attempt to collect any debt I am requesting that the CFPB investigate this collection agency for their violations of the FDCPA and take appropriate action to ensure that they cease all collection activities related to this debt and that they correct any negative reporting on my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) credit card account around XX/XX/2021. XXXX never sent me my account information or credit card so that I can activate my account and make payments online. Because of this, I was not able to make a payment on time and XXXX / XXXX marked me 30-days late on a payment. There are also several other errors on my XXXX and Trans Union reports that have not been corrected or deleted after several disputes. 

It is not fair that a consumer be hit with a 30-day late reporting when he did not have the opportunity to make a payment because the furnisher did not send the proper account information in-time. XXXX XXXX XXXX has violated the FCRA and I believe the Fair Billing Act as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Kohls credit card. My account was used without my authorization, resulting in a balance owed. Prior to the unauthorized use, my account had a {$0.00} balance. The fraudulent use caused a balance to be owed. However, I was not aware the account was used without my authorization before it went more than XXXX days past due. A XXXX day late payment was reported on my credit report in XXXX, XXXX. 

Upon resolution of the fraud claim, I disputed this account with XXXX, XXXX and XXXX XXXX. Kohls reported the XXXX day late payment as accurate and kept the late payment on my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX & XXXX CARD was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX & XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a XXXX identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I am extremely dismayed by the recent credit report I received! This situation is completely unacceptable. It baffles me that the government permits such glaring errors that have such detrimental effects on individuals. Unless you promptly and accurately address this letter, I am prepared to take any necessary steps to hold you accountable for your poor reporting practices. I have no knowledge of the following 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Portfolio Recovery Associates Llc as of XXXX XXXX, 2020 is inaccurately and fraudulently reporting information on my credit report that I've requested to be removed immediately. I've attached legal proceeding documents that show this company does not have the right to continuously to report fraudulent activity, as to the case in its entirety has been dismissed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to TransUnion was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Frauding scams using greely leap of a XXXX stores as a government listings Frauding scams using XXXX XXXX   Fraud divisions scams using XXXX Frauding scams  using XXXX business permits and products Frauding scams using 50 states groceries stores products using XXXX slaw products Frauding scams using diner menus using XXXX slaw Frauding scams using sports players accounts and internet scams Frauding scams using XXXX Fraud scams using XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX Fraud scams using XXXX with an XXXX   Frauding scams using XXXX school as business permits Fraud scams using XXXX court building Fraud scams using XXXX building permits Fraud scams XXXX XXXX bank and IDs frauding my documents Frauding scams using reality companys Frauding scams using realistate agents herds Fraud scams using XXXX XXXX Fraud scams using semi trucks Frauding scams using XXXX frauding fXXXX XXXX School Frauding scams using XXXX apartment Fraud scams using using XXXX XXXX Frauding scams using XXXX XXXX Frauding scams using XXXX  as attorneys in Azorina Frauding scams using XXXX families using XXXX Frauding scams using XXXX XXXX  school as IDs and others business Frauding scams using XXXX XXXX XXXX in Florida Fraud scams using XXXX XXXX in Florida Frauding scams using XXXX XXXX in Florida Frauding scams using XXXX resterant in Florida.. frauding scams using XXXX slaw in all 16 counties of Florida Frauding scams using XXXX slaw products thru XXXX XXXX resterants franchises Frauding scams using XXXX slaw products thru XXXX 's and XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX companies Frauding scams using brand advertising for XXXX food products frauding my family 's XXXX death record of XXXX Indiana of serial numbered documents Frauding scams using XXXX   frauding scams frauding my grandfather who is decest of XXXX Indiana Fraud scams using XXXX XXXX XXXX   and XXXX XXXX franchises Fraud scams back through XXXX XXXX frauding IDs scams using XXXX Frauding scams using ticker symbol using XXXX frauding XXXX XXXX Hospital of XXXX XXXX Indiana Frauding scams using XXXX XXXX Fraud IDs using XXXX in insurance company workers and insurance fraud division worker Fraud scams using XXXX as XXXX advertising in XXXX Illinois Frauding scams using XXXX as XXXX XXXX  colleges in XXXX Illinois Fraud scams using XXXX XXXX Fraud scams using XXXX XXXX XXXX Fraud scams using basketball XXXX Fraud scams using XXXX sports players Frauding scams using singers and bands and actors frauding scams using XXXX Fraud IDs scams using XXXX police IDs Frauding scams using XXXX school Frauding scams using XXXX politican listings Frauding scams using XXXX XXXX XXXX clothing Frauding scams using XXXX XXXX XXXXXXXX as IDs in XXXX Fraud scams using book credits and book authors Fraud scams using chruch groups and pasters or ministers or preachers
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries listed on my credit report, which were conducted without permissible purpose, thus violating federal law. Pursuant to 15 USC 1681b, credit inquiries must be made with permissible purpose, and any inquiries made without such purpose are considered unauthorized. 
The inquiries in question were conducted without my consent or authorization and were not initiated for any legitimate business need. As a result, they do not meet the requirements outlined in the Fair Credit Reporting Act ( FCRA ) and must be removed immediately. 
Furthermore, these unauthorized inquiries also violate 15 USC 1681e ( b ), which mandates that credit reporting agencies must ensure the accuracy of the information they report. By including unauthorized inquiries on my credit report, the credit bureaus have failed to uphold this requirement, thereby further violating federal law. 
I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that the unauthorized inquiries are promptly removed from my credit report. Additionally, I urge the Bureau to hold the credit reporting agencies accountable for their failure to comply with the FCRA and other relevant consumer protection laws. 
Enclosed with this letter is a list of my credit report highlighting the unauthorized inquiries below. 

XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

If the open date, last active date, and last reported date are all wrong, how can the credit bureau claim that the account name and account number were thoroughly investigated? This is grounds for expulsion. Additionally, they infringed against my rights under Section 2 of 15 U.S.C. 1681, Section 604 A : A consumer reporting agency is expressly prohibited by law from providing an account without my written consent. 

I have not granted formal consent for these accounts to appear on my credit report.
Product: Credit card or prepaid card

Did the transaction ( s ) in question ever have a processing period? Was that processing period the transaction ( s ) pending that are in question? Each time were they totaling more than what was my available balance? How were they able to get the amount that the company Cashapp recovered? Who gave them any amount of the complete total that wouldnt complete the transaction and guarantee a product be shipped to me if they did not receive the entire payment required to complete the transaction to their standards of doing business with anyone.
Product: Checking or savings account

I opened XXXX accounts with E*Trade/Morgan Stanley, one was a brokerage account and the other was a checking account. I attempted to deposit funds into both accounts via their mobile deposit feature on the app. The checking account had {$2400.00} deposited into it, with no issue. However, the next day, when logging in to the app to check the availability of my funds, I was informed that they were taking precautions to ensure my account 's safety. I was given a number to call and hours to call them. I have called them almost every day since, and I have been given XXXX explanation or reason why it this " safety measure '' is in place, no matter who I speak to. I am simply told they don't have any information for me, and to call back tomorrow. It has been weeks now, the deposits have cleared, and I have no access to my money. I can not transfer to another account, I can not close my E*Trade account, I can not use the money to purchase stocks, and even if i could, my E*trade brokerage account is still frozen as well, which I have taken up with XXXX. I do not understand how they can just take {$2400.00} from me and give no answers or reasoning. If I did that to them, I would be considered a XXXX This is assinine, and shows a complete disregard for their customers. This economy is not the best environment to just take thousands of dollars from a XXXX year-old man and tell me to " just call back ''. When I don't have my prescriptions or am unable to go to a Dr. 's office due to lack of funds, I guess then I won't be able to call back. Great plan, XXXX
Product: Credit card or prepaid card

On XX/XX/2018 my employer XXXX XXXX sent my paycheck ach direct deposit in the amount of {$5600.00} to Netspend. On XX/XX/2018 my second employer XXXX XXXX XXXX sent a ach direct deposit over to Netspend in the amount of {$110.00}. Both companies have issued payment to before and have had no issue. Netspend is stating they are having an issue with their subsidary XXXX posting ach deposit but can not confirm a date or time for resolution. I reached out to XXXX XXXX who works in Office of the President and stated the only information he has received was that XXXX XXXX  would be resetting their system and hoped to have it resolved soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # 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: Checking or savings account

Wells Fargo account XXXX  trying to make sure Wells Fargo dont owe me money from the lawsuit.
Product: Credit card or prepaid card

I paid 4 for Google play cards {$100.00} each I got scammed I guess and when I realized the scam stopped payment on the Google play cards before I could stop payment I guess two of them were used I have two that have not been used but I still can not retrieve the money. I find it insane that there is no refund and still when I first stop payment all four cards were good so I believe that the people who's scammed me use the cards but wouldn't let me use the cards and the information that you have to give to use the cards only I have. So if the information needed to use the card is the information that I have and only I have this information how come it can't be used by me but can be used by someone else?
Product: Debt collection

This was originally for an XXXX phone account which I haven't had account since XXXX. 

Credence resource management says the date opened was XX/XX/XXXX In my divorce the judge ordered my ex husband responsible for this debt and I've sent the decree to them and they still say debt is valid on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to REMOVE the information from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$5100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

While exploring a loan process with Carvana after being burned by another outfit I asked to outline the process for a lemon vehicle and how the consumer is relieved of the financial process when the car is deemed unfit for the road. 

The only thing she repeatedly stated was to purchase GAP insurance. How is GAP insurance a good thing for consumers being held in liabilities they can not substantiate and why am I being sold this as a result of buying a bad car? 

The agent refused to quote the contract agreement with me.
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 XXXX XXXXinancial loss, and I seek appropriate redress for these violations.
Product: Debt collection

My name is XXXX XXXX. I have a distant Aunt that I have n't talked to in about a decade named XXXX XXXX XXXX XXXX XXXX. Out of the blue, this debt collector starts calling me threatening legal action ( And claiming to need an " attorney statement '' under the guise of being a local PD/investigator ) with messages for XXXX XXXX. He called multiple times looking for this relative and leaving messages with details about her debt and personal life. I do n't want to hear about this distant relative or her legal troubles. I have no association with this relative, and I am sure it is illegal to contact completely unrelated third party relatives looking to collect under very shady methods. I have no idea how they got my number or believe that it is acceptable. They now call several times a day.
Product: Debt collection

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The I.C. SYSTEM, INC XXXX, XXXX, XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

I.C. SYSTEM, INC XXXX, XXXX, XXXX
Product: Checking or savings account

They have hardship form to fill out on their website which I've done. Never get a response. I have to occasionally overdraw my account to pay bills and Vivid has hurt me as far as locating a part time job. I filled out the form for overdraft charges
Product: Credit reporting or other personal consumer reports

Every dispute I file isnt being shown after receiving results completed in results file XXXX XXXX was disputed for reporting passed allotted time and shows false information of payment being received in XXXX  and no payments have been made to them in nearly 10yrs this repossesion should be removed from creidit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXXBalance : {$2500.00}