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

I am a victim of ID Theft and I filed a police report and provided to the credit bureaus however they have not provided me with detailed information I have requested which is required by law according to my attorney. 

In accordance with the Fair Credit Act XXXX the Accounts listed in this complaint, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Act Convergent the information provided below has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Accounts that I did not open nor authorize and are due to Identity Theft listed below : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 federal protecting consumers rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX 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 1681 c ( a ) ( 5 ) section states : no, consumer reporting agency may make any consumer reports containing any of the following items of information. Any other adverse item of info, other than records of convictions of crimes, which antedates the report by more than seven years 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shut up, furnish any info relating to a consumer to any consumer reporting agency if the person knows or has reasonable cost to believe that the info is inaccurate.
Product: Debt collection

I found a debt for Tower Loan on my credit report in the amount of {$1300.00}. I have no knowledge of this debt. I sent a Debt Validation Request to the company on XX/XX/XXXXvia return receipt mail. The company failed to respond, however they called my employer in XXXX and said they needed information about me to submit a garnishment of my wages.
Product: Credit reporting or other personal consumer reports

Equifax is reporting incorrect information regarding a mortgage account with XXXX XXXX. Equifax is reporting late payments on that account in XXXX. 
XXXX XXXX sold that account to XXXX and quit doing all mortgages in XXXX. 
XXXX XXXX reports that I did not have late payments to them in XXXX in part because I did not even have any loan accounts with them in XXXX. 
No Loan > No loan payments > No possibility to have non-existent payments show up late. 
I tried to resolve this over several months with Equifax and XXXX several times and got nowhere. I submitted a complaint with you ( CFPB ) earlier this year and that got Equifax to admit that the problem was on their end with their computer systems.Equifax did remove the incorrect information for a short time. 
Equifax has now put the incorrect information back on my credit report. 
The original complaint I submitted to you ( CFPB ) is # XXXX What needs to happen to get Equifax to fix this issue permanently??
Product: Credit reporting, credit repair services, or other personal consumer reports

There are Inquiries that are reflecting on my credit report that I have not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX 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

I personally do not know this information but it is in my report damaging my status, please remove this soon XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

To whom it XXXX concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act XXXX XXXX. Block of information resulting from identity theft [ XXXX XXXX. XXXX ] ( a ) XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. XXXX XXXX CODE XXXX - False or misleading representations XXXX  Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX. XXXX XXXX CODE XXXX - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 

XXXX. XXXX XXXX CODE XXXX XXXX - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - False or misleading representations XXXX XXXX  Account Number : XXXX Please remove it from my credit report XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER FAIRWAY INDE Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX requested a hard inquiry of my credit report on XXXX XXXX that was not authorized or request by me. I tried to contact that company, and they didnt resolved the issue. I lost about 10 points in my credit score.
Product: Debt collection

I wrote XXXX and asked for legal validation of this upon discovering the collection on my credit reports in XXXX 2014. They have never responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023 & XXXX XXXX Date of Inquiry XX/XX/2023
Product: Student loan

I was contacted by phone by a company by the name of Student Loan Movement. 
I spoke with a person by the name of XXXX XXXX. This service was to consolidate both of my student loans with XXXX and with XXXX. I provided him with my employment pay stubs and my banking information. The net two weeks after, XXXX contacted me letting me know that my student loan amount was due soon. I explained to them that I was paying my money to this company and it was going to be coming out of my bank. And XXXX or XXXX have never heard of this company before. Neither has the US Department of Education ever heard of them. When I called the company back in which I XXXX them and got the number. I never was connected with XXXX XXXX but I did speak to a lady name XXXX XXXX. And she told me that they deal with XXXX all the time. The email me an agreement in which I signed electronically and they already started to take the money out of my account starting Monday XX/XX/2019. I also, spoke to a XXXX XXXX at this company and he told me they are legimate but yet he ask me for my pay stubs a second time. I have a Client ID : XXXX. Please HELP!!!
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, Paypal banned my account citing abuses of their policy, however, when I contacted them via phone, they were unable to disclose any information of how I violated their policies. I've only ever used it to transfer money between friends and family. The email I got claimed they would hold the money for 180 days and then tell me how to access remaining funds, but on XX/XX/2021 they instead transferred my balance ( XXXX USD ) out of my account and to themselves, effectively stealing it. Again, when contacted via phone support line, they were unable to give me any information about this transaction or why the account was banned in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states that i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

all LVNV accounts have been removed from XXXX but still reports on XXXX. they need to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

[ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, NY, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] XXXX XXXX [ XXXX XXXX XXXX, ] [ XXXX XXXX XXXX, UT, XXXX ] To Whom It May Concern : I am writing to dispute the following unauthorized account on my credit report : * Account Number : [ XXXX ] * Account Name : [ XXXX XXXX  * ] * Date Opened : [ XX/XX/XXXX * * ] * Balance : [ {$1400.00} ] I have never opened this account with XXXX XXXX. I do not have any account with XXXX XXXX. I did not give my written consent to open this account. 
I have attached a copy of my credit report with the disputed account highlighted. I have also attached a copy of my identity verification documents, such as my driver 's license or passport. 
I would appreciate it if you would investigate this matter and remove the unauthorized account from my credit report. I am requesting that this be done within 30 days of the date of this letter. 
i made a complaint got no repsonse within 30 days, this is my complaint with the Consumer Financial Protection Bureau ( CFPB ).
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Last Four of Social Security number XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 XXXX XXXX XXXX XXXX XXXX and Experian 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 consist of collections from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent collections and charge-offs appearing on my consumer FICO credit report. I've attached a list of collections and charge offs in question. I do not recognize the aforementioned accounts, collections, and charge-offs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and charge-offs are the result of identity theft and fraud.
Product: Debt collection

On XX/XX/2022, I consumer XXXX XXXX noticed NATIONWIDE RECOVERY SERVICES, a third party debt collector was infringing upon my intellectual property rights. XXXX illegally reported information on my consumer report. This is a direct violation of 15 USC 1681, I, the consumer never entered into a contract with XXXX, nor did I give them my written or express permission to furnish information on my consumer report. On XX/XX/2022, I sent XXXX a cease and desist letter, via certified mail, demanding they stop their wrongdoing and for them to send me an audit trail of this account. XXXX failed to respond to my demand of a debt validation letter pursuant to 15 USC 1692g. They stated I needed to send a written correspondence, and that's not what's written in 15 USC 1692g.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FOUND ACCOUNTS ON MY CREDIT REPORT THAT DID NOT BELONG TO ME
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed several non-mailable addresses. 
To ensure I receive all mail from the United Postal Service i asked that they remove the additonal address and to send me a updated report a couple months ago and they never did it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX has violated my rights. 


15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep receiving Invitations for my deceased husband to apply for a CapitalOne credit card. The company 's XXXX service is being supplied my late husband 's credit information from XXXX and XXXX. I reported my husband 's death and sent confirmation in XXXX  not only to CapitalOne when closing his account, but also to the XXXX main credit-reporting buraus. I also placed a permanent freeze on his credit bureau accounts, so why do I continue receiving offers in the mail? Does a credit freeze and death notification mean anything these days? This has to stop, and these companies must be penalized. These nefarious practices from which they profit lead to credit fraud and ID theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Attempt to tell you and Credit Bureaus that I am a victim of identity theft and I sent a complaint to dispute certain ITEMS in my file resulting from the crime. I'm submitting multiple Letters to XXXX from XX/XX/XXXX until today XX/XX/XXXX regarding this issues. The ITEMS I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft pursuant to FCRA section 605b. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX These items are unknown to me. Also, the information provided on some ITEMS are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some ITEMS are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Money transfer, virtual currency, or money service

I was in the process of buying a new home and the lender ( XXXX XXXX ) requested statements from my closed XXXX account. In an effort to do so, on XX/XX/20, I called a number I found online claiming to be XXXXXXXX XXXX customer service and that's when my issues began. I spoke with a XXXX XXXX at XXXX ( I have several text messages to support this ). In a well engineered process, they asked me to log into my bank account to verify my identify and conduct a series of test transactions to increase my daily limit as well as install an app to read my screen to better assist me. I felt uneasy about it but my back was against the wall as the lender ( XXXX XXXX ) wasn't going clear me to close on my new house ... so I followed suit against my better judgement. We did three transactions, to which the money was instantly credited back to my account ( they did this to gain my trust ), then they asked me to do the final test to be able to access my statements, the last test was a wire transfer to one of their managers XXXX XXXX which will not come from my account, so when I did that, the money left my account and all of sudden they started having technical issues and wasn't able to reversed the funds. I was placed on hold and was desperate to get my money back because it was a part of my down payment. I contacted my bank Wells Fargo and they told me because I authorized the transfer they could not reimburse me. So I called XXXX XXXX  to see if I could resolve this directly with the receiving bank and they told me they couldn't access this XXXX XXXX account because I was not the owner and they could get into trouble for doing so and advised me to work with my bank 's ( Wells Fargo ) wire department, which I did. Today, I received Wells Fargo final decision not to reimburse me for the money I transferred. As of last Friday, XX/XX/20 my account was under attack, someone tried to make a purchase using the new debit card the bank issued as part of the XX/XX/20 issue. My second replacement card is on the way. I need help resolving this with Wells Fargo or XXXX XXXX I would like them to at least try to get my money back from an account belonging to scammer XXXX XXXX from Pennsylvania.
Product: Credit reporting or other personal consumer reports

XX/XX/year> for XXXX was wrong sent without my sent reported to third party trying to reach out to me I did not own this much money in total and after leaving this was added to my credit illegally without explanation
Product: Credit reporting or other personal consumer reports

I did not give consent for these inquiries and strongly believe they are fraudulent. I implore you to conduct a comprehensive investigation and promptly eliminate them from my credit report. Supporting documents have been provided for your perusal.
Product: Checking or savings account

On XX/XX/2023 my bank accounts were hacked into. I left work to Chase bank to report this incident. The bank officer explained that a phone call for a bank card replacement had been made by someone in Florida. So the bank mailed it out.. received absolutely no alerts from my bank as to the card being issued, nor the transactions and transfers that were taking place!!!! 
The bank officer closed all my hacked accounts and ordered new bank cards and accounts for me. 
I was reimbursed the fraudulent transactions. 
I was then notified that only partial transactions would be approved and the other monies would be deducted from my account. 
I sent a fax letter explaining that I never requested any replacement bank card to be issued!!! I also explained how could I make these transactions in Florida when I was at home in XXXX CA. I explained that I was at my place of employment and the at my Bank the morning of the transactions. 
The fraud department didnt care! They need more information but wouldnt say what information they needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to experian several times and disputed and they have been using stall tactics. I even had an cfpb agent on a 3way call because they playing games when it comes to my utilization. I only have XXXX credit card open with a limit of {$800.00} and a balance of {$55.00}. So my utilization should be 7 %. Experian has been willfully reporting inaccurate information I called them out on it and letting them know that I only have XXXX  account opened and the rest are closed accounts. I explained that you can't apply closed accounts to my utilization and they are about to fall off my report. They had me back and forth on the phone and then I gave them all my info they said that I am not verified. I said I just spoke 2 agents completely fine. I am writing to occ to make a complaint because I am tired of the abuse from these people. The banks are depending on them to report accurate information. That is experian grave responsibility. I need this fixed immediately. I'm not looking for 60 day to be fixed. They already did not follow up with a dispute when I called in. I enclosed all the accounts that they are reporting and only one is open which is correct and they can see I only have XXXX  account open. The rest attached are closed ad they should.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to have all these companies that are showing on my XXXX credit report remove. I tried to dispute it with the companies and also XXXX but unsuccessful there are third party collections agency that have 2 of my accounts that are paid in full for XXXX and XXXX. My personal information is showing up on the Dark Web which social security number and and all my personal information I was notify by XXXX XXXX on XXXX XXXX. I have been trying to get help regarding this matter. The list of companies I want remove from my XXXX account XXXX XXXXXXXX XXXX  XXXX, Enhanced Recovery Company, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Checking or savings account

I've been with Wells Fargo for a while now and in this time, I've been hacked 4 times and have had to close accounts open new ones as well as contact those who were tied into them as well. The last time I asked for only a checking account, NOT savings. Needless to say, that the account was still tied into the old one to which I lost money because of someone's negligence. My husband and I are on set incomes " social security '' and for this to happen the way it did is WRONG!