23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today due to my complaints # XXXX, XXXX, and XXXX was closed last XX/XX/XXXX when I reviewed it. I would like to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX : - ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : - ; XXXX SELF-REPORTED ( Original Creditor : 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 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  ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I just received 5 phone calls from Comenity Bank between XXXX and XXXX XXXX on Sunday morning XX/XX/19. They usually call me in excess of 5 times every day. I do not usually answer these calls, as is my right.
Product: Debt collection

In XX/XX/2020, I have pulled my annual credit report and Tek Collect is reporting still after I have requested numerous times to receive proof of debt. 

I am requesting proof of service and any and everything associated with my personal information.
Product: Credit card or prepaid card

i applied for the card and i did not finish application the company again asked me to come back to finish application i came back to finish and company said refused to accept my application and decided not to aprove my application? even though i had invitation number.
Product: Payday loan, title loan, or personal loan

Road Runner Financial XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Loan Application ID : XXXX Hello on XXXX  I applied for an extension of credit. I received an adverse action letter stating I was denied. I am not attempting to be troublesome nor am I outright disagreeing with your company 's decision. I would just like to know what laws and procedures were used to come to this determination. 

Companies procedure does not supersede federal law. This is a direct violation of my rights of consumer 15 usc 1602 ( f ) tell me credit is my right. I can not be denied a right. 15 usc 1602 ( p ) makes it clear that you committed fraud and used my credit card without authority, and I received no benefits. Now I would hate for this situation to escalate. I am sure you're just doing your job, but I would now have to hold you personally liable for this.

Federal Reserve section 16 part 2 says my application was the collateral and it says that the collateral is worth dollar for dollar for the value of the federal note that was taken from the federal reserve bank. So, since those Federal reserve notes was exchanged they wasn't even exchanged so I would like to use the credits that arised from that transaction. I would like to apply it to the principal account. 

Also, the Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants. I have been discriminated against, on the basis of race and defamation of character.

Company stated they couldn't give me the reasons I was denied requested to speak to manager they took my name and number and stated a manager would call me. No one Called me back. 


XXXX ; XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me 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 XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/2020, I pulled my credit reports to find a collection from DIVERSIFIED ADJUSTMENT, in which I did not recognize, claiming that I owed a debt for a phone bill that went into collections. I then checked my report to see the original creditors information and reached out. The original creditor could not confirm that my information matched the information they had on file for the supposed debt. They stated that they had no accounts for me that were referred for collections and that there were no recorded files that reported a balance or previous balance on my accounts as I never had an account with this phone company. With this information I sent out a debt validation request certified ( attached documents ), requesting supporting documents be mailed to me within 30 days of receiving the debt validation request. This company never responded. I then attempted to contact the company directly, where I was met by a rude representative that claimed that I would just have to pay the debt for it to go away. I reached out to the credit reporting agencies after the collection company failed to respond to my request and filed a dispute. XXXX and XXXX   deleted the account after conducting its investigation. However XXXX stated the account had been verified. I requested a method of verification used by XXXX  to validate this debt, they failed to respond and only issued another investigation, that came back as verified as accurate. I then bought a service called XXXX, that accurately pulls all 3 credit reports and compare the information. The comparisons were inconsistent being the collection agency was reporting different information to different bureaus. The collection company will not validate the debt it claims I owe and I believe that its because it can not be validated as mine. This collection account is effecting my ability own a home, qualify for a better job at my current job and has caused me a lot of restless nights and worrisome days. I feel as if this company is taking advantage of me and is trying to force me to pay a debt that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, formerly known as XXXX XXXX XXXX XXXX is my mother 's credit union. I am her daughter filing this complaint on her behalf. 

I am very cocerned and sometimes angry with the way my mother 's account is being managed and it seems to be getting worse. There appears to be ugly and distasteful tactics used in handling her account. 

The biggest concern involves her mortgage which also hab an impact on her credit ; we are requesting an audit of her account because I was informed that her mortgage payment was applied to a wrong account. 

On the most recent ocassion, my mother indicated she was ready to buy a new home we contacted the XXXX XXXX XXXX XX/XX/2022 to see if she could pre-quality for a loan. We were told by a consultant that something did not look right and that I should contact her credit union. 

My mother is XXXX XXXX XXXX and we need someone to assist us. There seems to be some deceptive practices going on with her account. She and my father who in now deceased have been account members through two names changes, and furthermore we went to the main office, sat down with the bank manager ; he assured us he would call us the nexr day and we still have not heard from him. 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX  XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXXXXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXXXXXX Balance Owed : {$13000.00}.
Product: Checking or savings account

I walked into a branch of Wells Fargo and attempted to withdraw cash from my checking account. I provided more than one government issued ID, scanned my debit card, confirmed my PIN, confirmed my social security number, phone number, email address, resigned the withdrawal slip, reconfirmed all of the same information with the management and they still would not give me my money. They had to call corporate and I waited for more than one hour to get my money.
Product: Credit reporting or other personal consumer reports

Hello CFPB my name is XXXX XXXX XXXX and I am writing this complaint because there are unauthorized inquiries on my credit report. I have tried to resolve this with Equifax AND XXXX and they do not give me the respect. They place me on hold for so many hours and it is stressful. I need HELP. These inquiries I did not consent to in no way. My credit score is in the XXXX because of this. I have 100 % payment history and these hard inquiries are a stain on my report. Please Help
Product: Mortgage

I have a mortgage loan with TD BANK N.A. XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the Credit Bureau with no successful resolution. There was definitely an error on their part. 

TD BANK N.A. XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/year> under the account number XXXX and a collections account opened at XXXX on XX/XX/year> under the account number XXXX with a balance of {$49000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I did not consent to, authorize, or benefit from any of the following Inquires : XXXX - XXXX Equifax XXXX XXXX XXXX - XXXX XXXX XXXX. XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXXXXXX 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

LVNV Funding LLC is reporting an amount of {$820.00} erroneously on my credit file. This debt was dismissed in court.
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 Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account:XXXX XXXX XXXX Account:XXXX XXXX XXXX Account:XXXX  XXXX XXXX Account:XXXX XXXXXXXX Account:XXXX XXXX XXXX Account:XXXX XXXXXXXX Account : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account : XXXX Division of child support Account : XXXX XXXX XXXX New York Docket # XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, ny, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX of 2017, I contact the collection company to get the information regarding this debt and address to send in a validation letter. They stated that I can fax it in and they provided me a fax number of XXXX. I faxed in a validation letter and a cease and desist letter. They contiuned to contact me and leave messages 2 to 3 times a day. I contact back in on XX/XX/XXXX, asked the collection if she sees any notes regarding the cease and desist and the validation letter. She stated no and that we need to just take care of this debt. She proceed to tell me about the debt and I tried to tell her that I belive the debt is not mine. She stated that was interesting because it went through my insurance and that I had made payments before to the original company-My response was, I have lived in Oklahoma during the time of when the debt occurred and the hospital that is billing me is in XXXX  XXXX. And if she would like-I can send her my mortgage of the home I purchased in Oklahoma.!!! She didn't say anything after that and proceed to tell me to send in the validation letter again. I did, with the cease and desist paperwork. I have the fax confirmation letters for both times and they still keep calling me!!
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the companies or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

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

I was shopping for a car in XXXX, XXXX and XXXX of 2024. XXXX XXXX XXXX XXXX XXXX ) has a vehicle that I was interested in so I inquired about it. We were continuously going back and forth because I wasn't happy with the price of the vehicle so they kept contacting me lowering the price. I filled out a customer inquiry form and they advised me that they were not going to run my credit at all until we made a decision. This was a 3 month process. They ended up running my credit 36 times. I am still receiving denial letters! This is crazy and excessive. They never had my permission to run my credit at all and I ended up purchasing a car elsewhere that ran my credit only once. I should not be punished by a car dealership deception and unprofessionalism. They ran my credit from XXXX to XXXX excessively. These inquiries should be removed because they were done without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX To Whom It May Concern I am writing to update /correct the personal information on my file with your company. 
Please update my address to XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only employer is XXXX XXXX . 
I do not wish to have any telephone numbers listed on my report. 
Please remove all the other addresses from my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, XXXX XXXX Cc : XXXX XXXX XXXX XXXX, XXXX, PA XXXX, Equifax XXXX XXXX XXXX, XXXX , GA
Product: Payday loan, title loan, or personal loan

First on XXXX XXXX, XXXX I called to make my first installment payment. They do not accept any kind of payments over the phone which is a big inconvenience. However, I do pay my bills responsibly, this was XXXX weekend and with the hustle of the holidays, I did forget to drop off a money order. I spoke with XXXX on XXXX XXXX and apologized and tried to set up arrangements for my payment with my next check. I even offered to make 2 payments ( which of one would be early ). I was told this was absolutely unacceptable and that if I did not pay the very next day, I would be taken to court. I again apologized and ask if she would please work with me, because I get paid bi-weekly. I was told absolutely not, pay the next day or else. She kept threatening me in a rude tone. I told her that she could not do that, that I know you have to send out a right to cure and that right has to expire before legal proceedings can occur. She said no I do not have to do that and I will take you to court tomorrow. I then called the district manager and was told that I was right, however I was still made to feel like she did n't want to help me. my right to cure was then sent out that day after I was told by the DM it had been mailed on the XXXX. XXXX also called my husband and disclosed 3rd party information. She was asking him when I was planning to make a payment and that my acct was behind. My consumer rights have been violated and I feel as though the DM did n't care that XXXX had broken the law and said nothing in regards to her disclosing my information. I also feel like I 'm not the only person that she has done this to because she seemed so comfortable with doing this. The DM ( XXXX XXXX ) when told about this matter said " oh she did '' and that is all. XXXX XXXX said that XXXX was the new manager and was trying to collect past due people in any way she can. This has not been handled properly, I feel that this manager obviously needs more training and be told you can not threaten people in this line of business.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to DELETE this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly DELETE 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

privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX XXXXXXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX # : XXXXXXXX XXXX XXXXXXXX XXXX # : XXXX, XXXX XXXX XXXX # : XXXX, and 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 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: Debt collection

The landlord has sent a collection after there is no residence or rental months for the time of the collection at all for the address. My residence and rental was paid in full at a different address as of XXXX of 2023. The landlord used pesticides to vacate the unit, then sent demands for the unit to be unoccupied for more pesticides to be sprayed inside the unit. The pesticide is not pet or person friendly and causes medical conditions including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX