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

I am writing to address multiple alarming violations regarding my consumer credit report, which I believe entitle me to monetary compensation under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s2. Specifically, I have identified unauthorized inquiries on my report which I did not initiate. These actions violate 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ), which governs the furnishing of consumer reports in connection with credit or insurance transactions not initiated by the consumer. 

Upon reviewing my consumer credit report, I identified the following unauthorized hard pull : XXXX  | XX/XX/XXXX XXXX  XXXX | XX/XX/XXXX As stipulated under Section 604 of the FCRA, a consumer reporting agency may furnish a consumer report in connection with credit or insurance transactions not initiated by the consumer only if : The consumer authorizes the agency to provide such a report. 
The transaction consists of a firm offer of credit or insurance. 
Additionally, FCRA 15 U.S.C. 1681b outlines the permissible purposes for obtaining consumer reports, which require explicit consumer consent. I have not provided any written consent for these inquiries, and I demand their immediate deletion from my credit report. 

Furthermore, I have experienced identity theft resulting in the unauthorized use of my Social Security number. This has been reported to the Federal Trade Commission, and an FTC Report is enclosed for your reference. According to 15 U.S.C. 1681c-2 ( c ) ( a ), you are required to block and remove all information resulting from identity theft within four business days upon receipt of a proper complaint. The specific unauthorized accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Failure to comply with these regulations is a violation of : 15 U.S. Code 1681n ( b ) - Civil liability for willful non-compliance, with each violation incurring statutory damages of {$1000.00} or actual damages, whichever is greater. 
15 U.S. Code 1681o - Civil liability for negligent non-compliance. 
Additionally, your actions constitute : Defamation of character. 
Negligent enhancement of identity fraud. 
Multiple violations of the Fair Credit Reporting Act. 
Violation of privacy rights under 15 U.S. Code 1681a ( 4 ). 
To address these issues, I demand the immediate removal of the aforementioned unauthorized inquiries and accounts from my credit report. Enclosed, you will find the necessary information to facilitate this process. 

Should you have any questions or require further information, please contact me at the address provided above. I expect a prompt response and resolution to this matter. Failure to act accordingly will compel me to pursue legal action, seeking damages for each violation as allowed under the law. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to my previous complaint ... I filed for  Chapter   XXXX  in   XXXX  , this is reported by the Credit Bureaus as FILED, when it should be reported as DISCHARGED. Not to mention, it is now past seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Score Decrease Your FICO Score has decreased by XXXX points. 

Today Bank / Credit Card Inquiry XXXX XXXX XXXX got a copy of your XXXX  Credit Report. 

Today What happened? 
XXXX XXXX XXXX made a Bank / Credit Card Inquiry by checking your XXXX Credit File. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Source : XXXX  Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone : ( BYM ) AIL-ONLY What Now? 
If you're still searching for the perfect card, explore your matched offers and apply with confidence through XXXX. 


Not Correct? 
You are receiving this alert because your membership includes XXXX  Credit Monitoring & Alerts. 

What is XXXX  Credit Monitoring & Alerts? 

Close I did not apply for, nor have I ever applied for a XXXX XXXX account of any kind ( credit or otherwise ), ever! 

XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
I'm beyond annoyed. The account listed below was opened due to identity theft. I've provided you ( CFPB ) & XXXX with an affidavit & FTC fraudulent report to support my position. It seems EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. I'd like this account blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told me I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : XXXX Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

The fraudulent, inaccurate, and misleading information on my consumer report has caused me significant stress and XXXX, despite my numerous attempts to address it. These items were not authorized or consented to by me, as I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, how is it that the credit bureau continue to let this happen
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 financial loss. And I seek appropriate redress for these violations
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX  in XXXX of XXXX. Upon receiving the car, the rear brakes were toasted, Tires were XXXX made and the engine was VERY noisy. The Brakes were fixed, the tires replaced ( {$500.00} ) and 5 months later the battery failed ( {$200.00} ). So far {$750.00} out of pocket tires/battery. XXXX of XXXX the engine refused to remain running at stop signs, stalling 12+ times a day. XXXX Rebuilt the engine at a total cost of over {$4500.00} with parts/labor/dealer ship repairs/rental car. After an oil change the stalling has started again. Based on my records, this car has had close to {$5500.00} in repairs in 18 months ... REALLY? So, I elected to cash in the extended warranty. I e-mailed the warranty company and that was handled promptly, and efficiently, however, Bridgecrest claims they never received the money. After about 2 weeks I called them 4X today each time on hold for over 15 minutes. Last supervisor finally admitted they get paid via XXXX  ( warranty company ) 2X a month and that the payment would not post for a week the XXXX, BUT ... get this.. car is scheduled to be repossessed starting on the XXXX of this month. XXXX.. I made a small payment today, to stop this as requested. I owe about {$370.00}, the warranty check is for {$1000.00} ... more than enough to get me caught back up. But they REFUSE to post to payments and want to post to principal of loan ONLY ... XXXX again ... If XXXX can post warranty cash out to payments, why can't Bridgecrest. this is the first in many complaints to be filed ....
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. The credit bureaus must remove any item 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX Balance : {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The date of the late payment is XX/XX/2018 where I am marked for a XXXX day late payment. I have never missed a late payment and Equifax has cleared the remark but readded the late payment when I never had a late payment and it should be removed. Also, with XXXX they refuse to honor the holder of the loan XXXX XXXX XXXX where I have not missed a late payment and refuse to give me a reason or response as to why this XXXX day late payment is still on my report and it should not be. I am trying to qualify and get a house and this is severely hurting and impacting my credit to where I can not get a house for a late payment that I did not miss. I am sick and tired of dealing with this and I need to see this XXXX day late payment from both Equifax and XXXX removed that I did not do!
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Product: Checking or savings account

I received an email yesterday from Bank of America stating thank you for opening an online mobile bank account with them and then later that day got an email stating the application was denied. Again this morning, I got an email stating the application to open an online account with Bank of America was denied due to the amt. of bank inquiring about opening an account under my name nad social and the bank relationship that Bank of America has with the attempting bank inquiring about an account. I called Bank of America XXXX and they spoke with XXXX  and because an account was never opened they can not do anything about this at this time but I wanted to make sure I had some kind of fraud protection or alert on my social security number
Product: Debt collection

Received a call from " Global '' in XXXX, AZ. Phone number is XXXX. They advised that someone would be coming to my house with the Sheriff in order to get this matter handled. I had my son-in-law call them and Global refused to provide any fax number, email address, or address where we could provide written correspondence for litigation against this company.
Product: Debt collection

Today I spoke with XXXX XXXX, and a receptionist for AMI attorney who was combative and wouldnt let me talk until we had a shouting match or wouldnt let me talk before she over talked me ( also very unprofessional for for a receptionist for a lawyer for a company ) and also finally he attorney for AMI ( I have left 3 total messages since beginning of XXXX and no call back ). Explained to all three I still have NO itemized statements and the bills being sent to old addresses and my work is inappropriate since they are addresses in South Dakota and I live in Nebraska. I have asked they stop sending to old addresses several times now. I have also received these in Nebraska to my home by the XXXX XXXX sheriff for wage garnishment. I received from XXXX XXXX sheriff in XXXX before the XXXX XXXX in South Dakota started going to our old addresses and mine and my husbands work in South Dakota late XXXX and early XXXX. I talked with XXXX the same day as my last complaint but never did received actual itemized bills. Nothing but an amount from AMI and they dont equal the total they claim I have. These are mystery bills because even XXXX wont tell me who they are from or what they are for. I believe these to be possible fraudulent claims. They sent three papers with AMI on them and a statement total but not what they are for or a break down with dates and places I owe. I believe these to be incorrect but because they want to just take money without showing what it is or why is highly alarming. 
We are currently behind in bills that weve been trying to catch up with for a few months so theres not extra wiggle room to just give to them. XXXX told me he wants a breakdown of my bills on paper back in XXXX and I told him we have no money and they can not take that for an answer so they said they will wage garnish us anyways and then make it so we lose everything because that is what would happen if they want to take large amounts. I believe this to also be very illegal.
Product: Debt collection

On XXXX XXXX Collection Agency Secure One Financial. Was calling me back to back starting from XXXX - XXXX repeatedly for two hours. They have called me from different phone numbers or the same phone numbers repeatedly for two hours.
Product: Credit reporting

I filed a dispute with Experian. I requested for Experian to remove XXXX accounts from XXXX. I knew they had to be fraudulent accounts or extremely old accounts in which I can ask for deletion from my Experian credit report, so I filed a dispute and Experian did not delete, they informed me they are my accounts. This has to be a mistake made. The accounts have date opened in XX/XX/XXXX for each account and I did not attend school during that period. I have been out of school since XX/XX/XXXX in which I can produce proof of this. Also, I did not receive any loans from this organization in my last few years of college I which I can produce documentation. I had no accounts during this period of XX/XX/XXXX. I am not aware of these accounts and never made any payments on the account ; so either these accounts are extremely in which at this time I can request for old accounts to be deleted from my credit report or XXXX XXXX is fraudulent reporting dates and amounts as well as payment history so they can keep on my credit report, which is fraudulent. Again, I am asking for the removal of the XXXX accounts from XXXX XXXX, account numbers XXXX, XXXX, XXXX, XXXX.
Product: Mortgage

I am writing to file a formal complaint against ZBS Law, LLP, in connection with their actions related to the foreclosure of my residence in XXXX, California. I believe their actions are in violation of the law and warrant immediate investigation. 

In XXXX, I received a notice from ZBS Law, LLP, stating their intent to foreclose on the aforementioned property, citing a second mortgage allegedly filed in XXXX. It is crucial to note that my late husband and I moved into this residence in XXXX, and the property is solely registered in his name. Unfortunately, my husband passed away in XXXX, leaving me to navigate the complexities of probate and the process of transferring the property into my name. 

To my surprise and distress, ZBS Law, LLP, later claimed to have sold our home and executed the foreclosure in XX/XX/XXXX. I have since learned that this type of foreclosure is referred to as a " zombie mortgage. '' The situation appears to be an attempt to seize my property, and as a hard-working widow, I am deeply concerned about the validity of their claims. 

It is worth noting that I have diligently maintained payments on the first mortgage, and the mortgage holder has not received any communication from ZBS Law, LLP, regarding the alleged second mortgage. This lack of communication further raises doubts about the legitimacy of their claims. 

I respectfully request that your agency thoroughly investigates this matter to ascertain the validity of the foreclosure and determine whether ZBS Law, LLP, has engaged in unlawful practices. I am hopeful that your intervention will help rectify this situation and protect my rights as a homeowner.
Product: Debt collection

Dear CFPB, I am writing to formally dispute the inaccuracies associated with my credit report as outlined under Section 605B of the Fair Credit Reporting Act. I am appalled by the negligence displayed in reporting my credit information, which has resulted in significant damage to my creditworthiness. 

Upon reviewing my credit report, I discovered XXXX XXXX. This information is not only erroneous but also misleading, and I demand an immediate investigation into this matter. 

According to Section 605B, I have the right to dispute any information that I believe is incomplete or inaccurate. I expect a thorough investigation to be conducted, and for the inaccurate information to be corrected or removed promptly. Furthermore, I require written confirmation of the actions taken regarding this dispute within 30 days of receiving this letter. 

I am particularly frustrated by the lack of due diligence exercised in maintaining accurate records. This oversight is unacceptable, and I will pursue all legal avenues available to ensure that my rights are protected. If I do not receive a satisfactory resolution, I will not hesitate to escalate this matter to the appropriate regulatory agencies. 

Please consider this letter a formal notification of my dispute. I expect immediate action on your part to rectify this situation. 

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

This CFPB compliant has been filed to request pursuant to FCRA XXXX XXXX ( XXXX XXXX XXXX ), the method of verification for disputed information on a consumer 's credit report involves a " reinvestigation '' process where the consumer reporting agency must contact the original source of the information to verify its accuracy, and if the dispute is valid, update the consumer 's report accordingly, including the option to delete the disputed information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These credit accounts are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, and Experian are all in violation of the FCRA, and are not upholding FTC standard. All XXXX bureaus are allowing erroneous, misleading, and incorrect reports to show on my credit including but not limited to XXXX XXXX XXXX. After disputing this erroneous report at least 3 times it only to resulted in no corrections being made and XXXX XXXX XXXX being verified as accurate ; But with further research there are incorrect, inconsistent, and erroneous errors including but not limited to the High Balance. This account was not verified as accurate correctly and should be removed immediately as this collection account is not mine.
Product: Debt collection

I received a notice from XXXX that a collection was placed on my account today from Southwest Credit Systems , LP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX or ( XXXX ) XXXX. 

I contacted this agency and they could not locate anything in their system with my personal information or anything related to the file associated with my personal information or social security number. 

I asked them to remove it from my account, and they told me to contact the original creditor that I never had a relationship with. I have no idea where the collection came from, nor could their organization. I told them it was their responsibility to remove it since they are the party that placed it on my credit report. 

Southwest Credit Systems , LP refused to take any action even though they verified that the account was not associated with me, knowing they were the party responsible for placing the collection on the wrong person.
Product: Debt collection

on XX/XX/2021, i sent Ad Astra Recovery Services Inc. a letter for alleged balance of XXXX that i don't owe. i request documentation of the validity of the debt that i haven't received as of yet. i also attached a copy of the letter below.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX  - XXXX - XX/XX/XXXX - {$4700.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$16000.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately, Citi does not provide a way to send them a secure message. I'll not " chat '' about my credit report, I'd rather send a message and receive a follow-up but Citi no longer offer this option. 

This is in regard to account ending in XXXX. 

I received my annual credit report and I notice that Citi is including a remark DRC DISP INVG COMP-CONSUM DISAGRS every month, since XX/XX/2017, until today. 

This is incorrect and abusive. For over two years Citi has been putting a remark, every month, that I have a dispute and disagree with it. 

Bad attitude like that leaves me with no option other than lowering, or stopping, the use of any Citibank services.