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

This is my NUMEROUS 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the this account : XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Acct # XXXX and 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 an account without my written instructions This account also shows inaccurate information as it is reporting 2 different kinds of account number.
Product: Credit reporting or other personal consumer reports

Most of the information is inaccurate on my report
Product: Mortgage

This mortgage broker does not quote APR. I thought it was the LAW to quote APR
See the below email from XXXX XXXX XXXX XXXX



From: XXXX XXXX  
To: XXXX 
Sent: XXXX XXXX XXXX 2017, XXXX XXXX XXXX 
Subject: follow up 

XXXX,
 
Todays rate: 3.875
No Points
Lender Fee Discounted: XXXX  ( XXXX narmal) 55 day lock 3% down
Loan amount: XXXX 
Payment: XXXX Credit Score: XXXX
 
Sincerely,
 
XXXX XXXX (XXXX ID: XXXX)
Loan Originator/Sales Manager
 
 
 
  

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX 
(Company XXXX ID: XXXX)
 
Phone: XXXX
Fax: XXXX
Email: XXXX
Web Site: www.mcglonemtg.com
 
 
                 
 
********************************************************************
This e-mail is confidential. It may also be legally privileged. If you
are not the addressee you may not copy, forward, disclose or use any
part of it. If you have received this message in error, please delete 
it and all copies from your system and notify the sender immediately
by return e-mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

The collector Jefferson Capitol LLC on XXXX XXXX at which time the call dropped and I returned the call at XXXX, and never received written notification of debt. I spoke to a manager by the name of XXXX today who informed me to put it in writing and mail to her. I sent them a certified return receipt letter today as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX, CAPITAL ONE BANK USA N XXXX Date Opened : XX/XX/2018 Balance : {$13000.00}
Product: Vehicle loan or lease

Purchased a vechile in  2012 , I voluntarily returned the vechile related to financial hardship. I never heard back from the auto dealer, I was provided with no information regarding the car for possible repossession of the vechile, nor when it was sold. However I did hear from a collection agency asking for {$8000.00} + approximately!   When I request validation of the information according to the law, I received no information but transferred to the collection agency. I began the disputing process with all   XXXX   credit bureaus but was unsuccessful, the item continued to be verified with no prof how. I never received what information was provided or how the conclusion came about.   So I decided to contac t Kia Motors  myself and spoke with the Kia financial office whom then sent me a copy of the contract which was tampered with showing misrepresentation of a legal document in which my husband and I never signed. My address was completely hand written over. According to the law the company must provide me with proper notification for redemption as well as deficiency. As well as being compliant with the 1. Uniform commerci al act 2. Retail installment sales act 3. Truth in lending act 4. Consumer fraud act Upon further investigation, I then spoke wit h the manager from the auto lot where the car was brought, whom then emailed me an unsigned contract with a different  address ( the ad dress which was hand written over the contract after it was signed ) illegally.     Enclosed is the contract in which I received from kia finance department, as well as the contract from the  manager  of  Kia Motors  unsigned with a different address which was not provided via drivers licenses from myself and husband in which the company altered without my consent, nor was it signed when changed, or initialed by me when performed nor was this misrepresentation on the contract upon signing.   Furthermore, What I did not understand is that, if I was present at this time when the address was changed ; why was the contract fully reprinted for me and my husband to sign a clean accurate contact, if this happen while we were present at the dealership, as well as what other information was altered?   According to the  law if one pie ce of the contract was inaccurate and misrepresented then this item would be dismissed for non valid information, contract fraud as well as a criminal act breakage of :  The Fair credit Act 807  using any false, deceptive, or misleading representation or means in connection with the collection of any debt.   Not to mention this item was sold a  two  debt collector whom I have no contract with whom continues to report negatively on my report while the item is closed and listed as a charge off, as well as providing false information to all  XXXX  credit bureaus.
Product: Money transfer, virtual currency, or money service

PayPal - negative {$3500.00} XX/XX/2020 Transfer Loading transaction details for PayPal - negative {$3500.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$3500.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 
XXXX XXXX
Product: Debt or credit management

To Whom It May Concern, I am submitting this complaint against Cash App ( Square , Inc. ) regarding unauthorized transactions that occurred on my account and Cash Apps failure to issue a refund within the promised timeframe. Despite my repeated efforts to resolve this issue, I have not received my funds, causing me significant financial hardship.

Incident Details : On XX/XX/XXXX, my phone was stolen while I was on vacation in XXXX XXXX. 

The thief gained access to my Cash App account and depleted my funds from my linked XXXX XXXX XXXX account through unauthorized transactions. 

Upon discovering the fraud, I immediately reported the issue to both Cash App and XXXX XXXX XXXX and provided all necessary documentation. 

Cash App initially acknowledged the fraudulent transactions and assured me that my case would be resolved within XXXX business days. 

As of XX/XX/XXXX, Cash App has exceeded this timeframe and has not refunded my money, despite my multiple follow-ups.Violations and Consumer Harm : 1. Failure to Prevent Fraud Cash App allowed unauthorized transactions without proper security measures in place. 

XXXX. Failure to Investigate and Refund Promptly Cash App committed to resolving the issue within XXXX business days, but they have failed to do so. 

XXXX. Financial and Emotional Hardship The delay in refunding my stolen funds has caused me financial distress and unnecessary frustration. 
I provided them a police report and information about my replacement of my phone
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

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

I got notified of XXXX unauthorized hard inquiries on my credit reports from XXXX and TransUnion. The XXXX unauthorized hard inquiries are from XXXX XXXX XXXX, the first XXXX took place on XX/XX/2025 and the other took place XX/XX/2025. I dug a little deeper and noticed it said something about a XXXXXXXX XXXX XXXX. I called TransUnion and they informed me I needed to submit a FTC complaint. After which I would need to send the confirmation letter to TransUnion in order for them to start the process of removal of the XXXX hard inquiries. I called XXXX and they informed me I needed to reach out directly to XXXX XXXX XXXX  to inform them my Social Security number was used by someone else so that they can cancel the application and notify the credit bureaus so that the hard inquiries can be removed. I called XXXX XXXX XXXX  and they informed me I needed to reach out directly to the credit bureau for them to remove it, essentially sending me in circles. I have never applied for anything through XXXX XXXX XXXX  and believe this could be a sort of Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the letters off on XX/XX/2023, from the postal office here is my receipt number # XXXX The purpose of the letter was to request the removal of personal information that I neither possess nor desire to have on my credit report due to suspected identity theft and misuse. Initially, I had some hope when a few items were removed, but unfortunately, they reappeared, this time accompanied by a new address where I have never resided. Attached you will find the receipts along with letter and more proof. 
I took the time to educate myself further on my rights, and according to the Fair Credit Reporting Act ( 12 USC 1681 ), I am entitled to privacy protection. Additionally, in conducting my own research to safeguard myself, I discovered that no financial institution should share my information with a third party, as outlined in the Gramm-Leach-Bliley Act ( 15 USC 6802 ).

Please can you assist me and have them removed. please
Product: Credit reporting, credit repair services, or other personal consumer reports

i called the company on XX/XX/2019 to ask why they pulled my credit report they told me that i do not have an account with them i gave them my information and they could not tell me why. i never ask for credit from them or sign anything to have them pull my report. 

please have them delete this inquire they could not help me Ally Finan I XXXX, MN XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality

under 15 USC 1681. Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This company claims I owe them an alleged debt. They are reporting negative information on my credit. I did not and I do not give them consent to report on my credit report
Product: Vehicle loan or lease

On XX/XX/3024, my city was flooded by the rains if Hurricane Helene. Winds from the hurricane caused many downed trees and power lines as well. My husband and sons jobs were both affected by the hurricane. At this time, I was on sick leave due to XXXX  XXXX. My son is the primary on my auto loan with Ally Financial. I contacted Ally Financial to explain I would not be able to pay on time for XXXX XXXX due date and XXXX as well. I asked for an extension, of which I was denied. I had it escalated to a supervisor for an override since this was due to a state and federal declared disaster. I was denied by the supervisor. I then reached out again to plead my case and ask for an extension. Again, I was denied by the representative and the supervisor. I asked for a modification of my loan to at least lower my payment since the interest on our loan is so high, again, I was denied. Now, Ive been reported to the credit bureaus for late payment since I was unable to come up with the {$670.00} due. I am not happy in that I did reach out for help, but was denied a couple of times.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

Hard inquiries on my account that I didn't authorize. No written consent to pull my credit report.
Product: Credit card or prepaid card

This complaint is in ref to the Georgia Unemployment Insurance ( UI ) Way2Go Debit Master Card operated by Go Program, issued by XXXX XXXX. 
My weekly unemployment benefits claims began XX/XX/20, as of today XX/XX/20 I elected to receive my benefits via direct deposit from the beginning. Therefore I never activated the debit card sent to me in the mail. I destroyed and disposed of it upon it's arrival. Somehow my direct deposit choice didn't take and the system continued to put money on the destroyed card for weeks of XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20. I've made endless attempts via phone and email to the DOL as well as the Way2Go customer ser # XXXX, this number sends you on a goose trail, it asks you for the card # and if you don't have one press the # sign then the same message repeats itself and you never get to speak or leave a message. This is very frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Acct XXXX XXXX This account was disputed on XX/XX/XXXX for inaccuracy. This account is now in violation of FCRA 623 ( A ) ( 3 ) notice of dispute. This account still does not have a notice dispute entered in the comment section. 

I again disputed this account on XX/XX/XXXX for XXXX date last active because its reporting differently on all three bureaus. XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX XX/XX/XXXX for equifax. They should all be the same if the information is coming from the same Bureau. 

I dispute the account again on XX/XX/XXXX for continued payment history after the account has been closed. An account that has been closed should have no payment history after its been closed.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$1900.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$6500.00} ; XXXX XXXX Balance Owed : {$4400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$870.00} ; XXXX XXXX XXXX XXXX Creditor : XXXX ) XXXX Balance Owed : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$780.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) Balance Owed : {$1200.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance Owed : {$9300.00} ; XXXX XXXX  XXXX XXXX Owed : {$2200.00} ; 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

NAVY FEDERAL Bank is prohibited from loaning ( risking ) its assets under Title 12, it therefore routinely does illegal conversions of the notes ( Credit applications ) of its customers, thereby converting promises to pay into drafts, or, orders to pay, then writes said securities to its books as assets of NAVY FEDERAL Bank that, as part of its routine business practice, NAVY FEDERAL Bank did such a conversion of the note/application of XXXX XXXX, the property of XXXX : XXXX, by converting said note into a draft or order to pay and then did write that security to its books as an asset of the bank. 
This is illegal conversion was not only a failure to safeguard the property of XXXX : XXXX, under the Privacy Act, but was also theft of XXXX : XXXX property by deception.