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

I am writing to inform you that I am a victim of a data breach and request that all accounts listed below be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened or reported without my authorization, and I request their immediate removal from my credit report. 
The accounts in question are as follows : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$10000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$4000.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$1300.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$280.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1800.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$380.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$550.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$5200.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$5200.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$920.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$920.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$450.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$450.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$750.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$4700.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$210.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2400.00}
Product: Credit reporting or other personal consumer reports

Recently, I received my credit report from your company. After reviewing it, I found that the information you are providing on some items contains not only invalid and incomplete information, but both inaccurate and incorrect information as well. I ALSO NOTICED ON MY CREDIT REPORT THAT I AM A VICTIM OF FRAUD. As you know, all incorrect information MUST be IMMEDIATELY REMOVED from my credit report. As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1681, 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, creditors are required to provide this information or release the invalidated debt information from my credit report. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file and on my consumer report at all times. Please delete the following inaccurate information from my credit file and my consumer report. I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately.
Product: Credit card or prepaid card

On XX/XX/XXXX, I ordered a cosmetic item from an XXXX seller. The total cost of the item was {$11.00}. I paid for this using a combination of my US Bank XXXX XXXX XXXX card, and rewards points I had accrued by using this same card. I paid {$5.00} from my card, and the remainder of {$6.00} from my rewards points. The item showed as delivered onXX/XX/XXXX ; however when I looked in my mailbox and all around the front area of my home, the item wasn't able to be found. I have no idea where USPS delivered it. I immediately requested a replacement or refund from the seller since the fault was with USPS and I shouldn't have to pay for an item they failed to deliver. The seller refused to provide a refund, and neither XXXX nor XXXX would refund the cost since they accept USPS 's delivery status. So I contacted US Bank to raise a dispute to claim the full cost back. 
I explained that partial payment had come from my rewards points, and I specifically asked on 3 occasions during this phone call how I would get the rewards points back. I was told that it would be credited back to my rewards balance. 
I waited 2 weeks and after not hearing anything about the status, I contacted US Bank again. I was told that the dispute had been resolved in my favor and that the {$5.00} had been refunded to my account. I asked why the {$6.00} in rewards points wasn't showing in my rewards balance, and the agent couldnt provide me with an answer. I then had to wait a long time while she went to ask someone else. Eventually I was put through to someone in the rewards department. I explained the problem yet again, and this time was told that they couldn't add the funds back to my rewards account. I asked how I was supposed to receive a refund for the {$6.00} spent on an item which hadn't arrived and had been partially refunded. I also pointed out that in fact I'd been told by 3 people that in fact the amount WOULD be credited to my rewards. This agent said this wasn't possible. This is blatantly untrue. It would have been very simple to add the amount of {$6.00} to my rewards balance. But the agent just didn't want to go to the trouble to find out how to go about doing it. 
I want the amount outstanding on my now resolved disputed transaction to be credited, either to my rewards account or to my credit card balance.
Product: Credit reporting or other personal consumer reports

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

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Debt collection

XXXX XXXX continues to call a place of business for someone that does not work here. I have asked them to remove our number over three times now and nothing changes. They list a number to call to have your number removed but obviously it does nothing. It is getting very annoying that they call almost daily and give us NO way to make it stop. This is a business and we take important calls!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transuninon, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXX XXXX, XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage was transferred from XXXX XXXX LoanCare LLC. I tried to log into the LoanCare payment system to schedule my XX/XX/XXXX payment. The Loancare system says my SSN is " invalid ''. I called the Loancare LLC customer service number and was told that I have 60 days without any adverse effect ( late fees, credit score ect. ) I asked for any documentation to that effct and was told it does not exist. Ads of the moment- I can not schedule my mortgage payment and have nothing but a verbal say so from am anonymous rep that I will not be negatively affected by their delay
Product: Debt collection

Robinhood continues to violate my rights under the FDCPA. I have requested multiple times for them to stop contacting me via my shared email as 3rd partied have access. I have also requested multiple times for their company to provide validity of this fraudulent debt. 

I recently had fraud that affected my Robinhood, XXXX XXXX, and my XXXX account. Both XXXX XXXX and XXXX XXXX XXXX XXXX ) have discharged the debt as fraud. Robinhood had failed to provide validity of this debt and continued to harass and ignor my request to stop. They don't even respond to my emails. I have contacted my local XXXX County Courthouse and they advised I can file a negligence lawsuit for the debt amount and it can be disputed infront of a judge. They told me I would need to get something in writing from Robinhood to explore this option. When requesting this from Robinhood they refuse to provide me a written statement showing the debt. 

I wanted to send Robinhood a letter requesting validity of this debt via certified mail as permitted to do so under FDCPA guidelines but the company refuses to provide me a address. I just want to clear my name and this company is causing me and my family unnecessary stress over a debt that's fraudulent.
Product: Credit card

I had a corporate Amex card through my last company, when I left the company in XXXX XXXX I paid the balance and the card was confirmed closed by XXXX XXXX. Since then I continue to receive phone calls ( that start at XXXX, including on weekends, and continue throughout the day to XXXX any day of the week ) and now I'm getting emails about collecting on a past due amount for that card. I answer every call to explain the situation, every time the customer service person confirms the account was paid in full and closed, they assure me I will no longer get calls, calls haven't stopped nor have the emails. I report the emails to my email provider and try to block the senders to no avail. Recently, they have stopped responding when I answer a call, I'm sure my number is robo dialed then the rep sees a some kind of " DO NOT CALL '' message on my account and they hang up before speaking to me, but its just as harassing as them answering. How do I get this harassment to stop? I'm happy to sue if needed to get this to cease, I'm at my wits end. I have spoken to any department that will listen, usually they just dump me through a few departments and then I get hung up on, shocker, with no actual resolution. I also wrote to their " compliant '' department but haven't gotten a response. Help, I'm being harassed by AMEX!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, and XXXX Account # XXXX has violated my rights. 

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

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

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Credit reporting

XXXX XXXX XXXX # XXXX is illegally reporting to my credit report affecting my credit report and score THIS IS NOT MY ACCOUNT please help me get this account remove asap ( according to FCRA 30 day full investigation should take place )
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are reported on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 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 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 XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

on 2 separate occasions i sent Lexis Nexis a certified letter requesting a security freeze be placed on my data. I also called them twice because I never received written confirmation that my request was processed and completed. On both occasions that i did speak with one of their reps they assured me my request was processed and they would send me either a letter in the mail or an email confirming my request was in fact taken care  of. I never received either.
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 Account Name XXXX XXXX  Account Number : 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: Prepaid card

I received a {$100.00} gift card last year and attempted to use it yesterday. However, when trying to activate and use the card, it did not work. I followed the instructions to register on the companys website, but that process failed as well. I contacted the company for support, and they repeatedly directed me back to using their website, which still does not work. I would appreciate assistance in resolving this issue.
Product: Checking or savings account

On XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX received a text message from Chase Bank requesting an approval for a transaction. After XXXX XXXX XXXX XXXX  replied, No, a Chase Bank representative called XXXX and alerted her that someone was trying to attempt a wire transfer to attempt a wire transfer of {$15000.00} USC as well. The Chase representative identified himself as XXXX XXXX # XXXX. After a series of prompts through text message XXXX explained to XXXX that, my supervisor XXXX XXXX # XXXX would also be in contact when everything is complete. On XXXX XX/XX/XXXX, XXXX re-contacted XXXX at XXXX hours central standard time and related that there was another attempt of a {$10000.00} USC wire transfer. XXXX proceeded to explain to XXXX that she would have to obtain a new account number and account balances and would be transferred to the new account. On Monday, XXXX XX/XX/XXXX, XXXX was contact by XXXX and then transferred to XXXX XXXX. XXXX received a text message requesting the username and password of her Chase Mobile application in order to transfer her bank account numbers to the new account that was set up. XXXX gave the information. XXXX then asked, When will I have access to my new account numbers and other information? XXXX responded, XXXX. Meaning XX/XX/2022. All calls that XXXX received from XXXX XXXX and XXXX XXXX were from XXXX. On Tuesday, XX/XX/2022, XXXX called Chase and the representative stated that she did see an alert for the wire transfer of {$15000.00} USC. On Wednesday, XX/XX/2022, XXXX called Chase customer service. The Chase representative informed XXXX that there was not any indication of that her account was frozen or flagged for fraud activity. XXXX was immediately directed to visit a Chase Bank because there was a large amount of money withdrawn from her account. On Friday, XX/XX/2022, XXXX walked into Chase bank and continued the process to block and close all access to her bank accounts. XXXX and a Chase Relationship Banker reviewed her accounts and noticed that from her Savings account there was a total of {$100000.00} USC withdrawn from her account. At which point, the Chase Banker contacted the Fraud Department at Chase and initiated an investigation. This is investigation is pending at this time
Product: Credit reporting, credit repair services, or other personal consumer reports

LOST MY INFORMATION MONTHS AGO. 
I HAVENT HEARD BACK FROM ANYONE.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach. When reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my personal information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with.

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national breach.
Product: Debt collection

I received a collection letter from  Central Finan  cial reg arding a debt owed to  XXXX   XXXX   XXXX  on  X/X/2017   . I dispute the validity of this debt as I have met my annual deductible and should n't have any out of pocket expenses. I need further documentation verifying that this debt is valid.
Product: Debt collection

I have been getting calls from debt collector, I requested validation of this debt and it has been over a month and I have not received anything. I call and still nothing