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

I am writing to report a severe identity theft incident stemming from a data security breach involving XXXX XXXX XXXX, impacting me as a subscriber to XXXX XXXX of California since XX/XX/XXXX. This breach has led to a global compromise of personal information, severely jeopardizing my safety. 

The breach exposed sensitive data, including my social security number, account number, banking details, credit and debit card information, date of birth, health insurance, provider name, prescription details, and other personal information. Subsequently, this breach has affected my social media accounts, credit accounts, and billing accounts. Furthermore, I have discovered unauthorized debt collections on my account that I had no prior knowledge of. 

This incident has not only compromised my financial security but has also caused distress and uncertainty about the misuse of my personal information. I am taking immediate steps to mitigate the impact of this identity theft, including working with law enforcement, financial institutions, and credit bureaus. Additionally I've reported this incident with the FTC Identity Theft service and have attached documentation that supports my claim. 

Upon learning of this data breach I found the following inaccurate damages to my credit report that should not exist under the law 15 U.S.C 1681.

THE ACCOUNT BELOW ARE NOT ACCURATE AND ARE THE RESULT OF MY INFORMATION AND DATA BEING BREACHED XXXX XXXXXXXX Balance {$350.00} Balance updated XX/XX/XXXX XXXX  XXXX Balance {$620.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Balance {$370.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Balance {$420.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX Balance {$120.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX Balance {$630.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX LATE PAYMENT XXXX XXXX XXXXXXXX Original creditor XXXX XXXX Balance {$3200.00} Balance updated XX/XX/XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$2200.00} Balance updated XX/XX/XXXX I request prompt intervention and investigation by the Consumer Financial Protection Bureau ( CFPB ) to address the implications of this breach and to ensure that appropriate actions are taken to prevent further misuse of my personal information. I appreciate your attention to this matter and look forward to a swift resolution.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Checking or savings account

I am writing to file a complaint against Navy federal credit union regarding overdraft fees I have incurred despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal or similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Payday loan, title loan, or personal loan

I was coming back from my first duty station in XXXX and I was looking forward to buy a truck. Long Story short I got a load with SNAAC and I didn't know the XXXX have a Law called the SCRA which protect military from paying to high of an interest rate. I already paid my car off but I wanted to know if i could get some of the money back to me. My APR was 28 percent. Being young and dumb I didn't know that was high. My brother and wife told me about this a few days ago. I have been in the XXXX now for eight years and I just paid that truck off last year.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

southern credit recovery {$200.00} account # XXXX i have no knowledge of this balance, and this collection was done without my knowledge or consent i called i called them directly about this account but they refused to cooperate with me i also called XXXX, XXXX, XXXX  they were willing ti cooperate with me of this fraudulent error by the collections department
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 Sequium Asset Solution, has violated my rights. 

I looked at my XXXX report on XXXX XXXX XXXX and noticed some things are not complete and, And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

All credit cards have been paid off and car loan balance is paid off with company still reflecting on my credit
Product: Checking or savings account

XXXX XXXX sold me a vacation package under false pretense, for {$190.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate! I talked with someone today concerning XXXX XXXX account- XXXX or XXXX. Her name is XXXX XXXX from the XXXX, SC office. The telephone number is XXXX. I asked for a copy of the of the original contract that I allegedly signed. She stated that by the account being so old that they didn't have a copy of the contract. So to my knowledge the account can not be validated. There is nothing with my signature proving that the account is mine. If they cant prove that I signed a contract this account should be deleted.
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 this account 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 listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX Balance Owed : {$200000.00}
Product: Checking or savings account

I believe I deposited the check on the XXXX or XXXX XXXX of 2024. The check is XXXX. After I deposited and it not available for 6 business day. On the 6 business day and I can't login my account anymore. So I try to calling the bank. And they told me I have to go to the branch for them to release my account back. I told them I'm not around town. I won't be back for another 2 months. They ask me to call the branch to figure out about that. Witch I did and they still want me to come in the branch and I explained to them that I can't for another 2 month. They say if I don't go in they close my account in 15 day. Well it's OK if they want to close because I'm not around. So I received a letter on XXXX XXXX 2024. On the letter say my account have been closed and the money have been withdraw. So I call and ask I didn't withdraw the money and they ask me did I withdraw I say no. My account been frozen almost 1 month ago how can I withdraw the money. And they told me to call different departments witch is recovering departments. I talk to them and they say the check have been withdraw to send out. But then I call again 2 week later they still say the check have been mail out to me. And I wait until today is XX/XX/2024. And call again and they say I don't have any money in my account because that check is fraudulent. But they already withdraw the money from other parties that signed me the check. So what I need to do now? I have no more patience with this bank. Please help me punish this bank and help me get my money back please. Thank you.
Product: Credit reporting

These company 's make it to difficult to obtain a credit report with the questions they ask
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding an adverse account item logged to my TransUnion credit report on XX/XX/XXXX in the amount of {$190.00} filed by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX, and the resulting recalculation of my FICO score from XXXX to XXXX. The derogatory credit item is invalid and I disputed it with TransUnion in XX/XX/XXXXas soon as I was alerted by my bank. They responded back that the item was verified as accurate. When I called to get the particulars about the investigation, as disclosed as an entitlement in the letter, the associate responded that the investigation is purely electronic. They simply contact the collection agency electronically for verification without any independent evaluation of the accuracy of the disputed charge. Whatever is reported is assumed to be accurate and as a consumer I have no ability to refute the claim.
The circumstance of the disputed charge is as follows : I signed up with XXXX XXXX for month to month membership at a cost of $ XXXX/month. After an unexplained fall on the treadmill on XX/XX/XXXX, resulting in a visit to the Emergency Room, I was advised by my doctor to discontinue my workouts until a XXXX XXXX XXXX and XXXX XXXX could be scheduled. Upon receiving that advice, I immediately called XXXX XXXX  to terminate my membership. I had paid in advance for the month and had no outstanding balance. They urged me to come in to speak with an associate regarding the termination but after explaining the circumstance of my situation, the associate agreed to terminate my membership on the phone. Approximately 7 months later, I received a collection letter from XXXX XXXX XXXX on behalf of XXXX XXXX  claiming a delinquent balance and collection fee in the amount of {$250.00}. I made multiple calls to XXXX XXXX and to XXXX XXXX  in attempt to resolve the dispute. They were unable to explain the charge and were extremely rude to me, talking over me, threatening to destroy my credit, and even hanging up on me. They did not respond to my letters.
Attached is a copy of the Explanation of Benefits from my health insurance company documenting the emergency room visit and XXXX XXXX from XX/XX/XXXX. An examination of the XXXX XXXX records will show that I have not visited the club since that day. Also enclosed is my credit card statement showing two payments to XXXX XXXX for {$10.00} covering the months of XX/XX/XXXXand XX/XX/XXXX.
I request that this false item be removed from my credit report immediately, and that my credit score be restored to its prior-calculated value. I have had over 40 years of perfect credit, and it is inconceivable to me that an unsupported claim by a disreputable collection agency and local fitness studio for an erroneous {$190.00} charge should be allowed to diminish my credit score which has been consistently over 800 for many years.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX, via it's legal agent Midland Credit Management ( MCM ) is sending me harassing collection emails after receiving multiple cease and desist notices. They are also retaliating against me by refusing to discuss the alleged debt and their defamation of my credit worthiness. 
The company has plainly stated in several recorded phone calls that they will not discuss any of my concerns until they respond to a prior CFPB complaint. When I pushed and asserted that this was illegal, they informed me that because I have engaged the CFPB, they will not be able to discuss the debt or their FCRA violations until XX/XX/year>2024 The fraudulent information they are supplying to the CRA 's has directly resulted in multiple adverse action letters and denial of housing, and they are now claiming that I will have to endure this until XXXX. This retaliation is specifically prohibited in the FDCPA and FCRA. This abuse is now intentional and having a severe impact on my health and ability to manage my XXXX  XXXX  XXXX  and XXXX.
Product: Credit reporting or other personal consumer reports

These late payments are false XXXX XXXXXXXX ( XXXX ), and XXXX XXXX ( XXXX ), as I have consistently paid these accounts on time. The reporting of these inaccuracies violates the following legal provisions : 15 U.S.C. 1681e ( b ) Requires credit reporting agencies to maintain maximum accuracy in their reports, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from knowingly reporting informational and 15 U.S.C. 1666b ( a ) prohibits creditors from treating timely payments as late. Reporting my information without written consent violates my right on permissible purpose 15 U.S.C. 1681b ( 2 ) according to FCRA. Fix these late errors as soon as possible or I will seek {$1000.00} per violation for willful noncompliance with the FCRA and additional damages for the harm caused. I demand an immediate correction to avoid further legal action.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> : I had an alert from XXXX XXXX that my XXXX XXXX account is 30 days past due. This is inaccurate information. 15 U.S Code 6802 ( b ) ( c ) states that, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I, the consumer, was never informed by XXXX of my right to exercise my nondisclosure option. These consumer reporting agencies are in violation of the Fair Credit Reporting Act, due to not complying with 15 U.S Code 1681b Permissible purpose of consumer reports : They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of FCRA. Furthermore, I did not give XXXX, Equifax or XXXX authorization to furnish my information and whether it be verbal, non-verbal, written, implied or otherwise it is REVOKED.
Product: Credit reporting or other personal consumer reports

**Edfinancial Services** Customer Resolutions Unit **Subject : ** Formal Dispute Proof of Ownership and Authority Over my student loan. 
Dear XXXX XXXX, I am formally disputing your involvement in my student loan account I never borrowed a student loan from XXXX, nor have I ever entered into any agreement with your company. Despite this, you continue to report information about this account on my credit file. I demand that you provide me with clear and verifiable proof that you have legal authority over this account. Specifically, I am requesting the following : 1. **Proof of Ownership : ** Documentation that demonstrates XXXX is the rightful servicer or owner of this account. 
2. **Legal Authority : ** A copy of any agreement, contract, or authorization that legally grants you the right to service this account. 
3. **Account Records : ** Any records, statements, or transaction history proving your involvement with this account from its inception. 
If you fail to provide the requested documentation, your continued reporting and handling of this account will be a clear violation of federal law, including the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. I take this matter very seriously and will escalate my complaint to the highest level of authority, including the additional complaint With the Consumer Financial Protection Bureau ( CFPB ), the U.S. Department of Education, and any other relevant regulatory bodies. 
Please provide the requested documents within **15 days** of receiving this letter. If you fail to comply, I will take further legal and regulatory action against your company. 
Sincerely, XXXX XXXX XXXX Social Security XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple inaccuracies found on my credit report. After conducting a thorough review of my credit file, I have identified several accounts that do not belong to me and were fraudulently opened using my personal information. I believe I am the victim of identity theft, and I am requesting the immediate removal of these items from my credit report. 
The following accounts were fraudulently opened and are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accounts were opened by an individual or individuals who used my stolen identity. I have never provided my personal information for the purpose of opening accounts with any of these institutions. Therefore, I do not recognize these accounts, nor do I have any knowledge of their origin.
Product: Debt collection

I have been a victim of inaccurate reporting, and it is disheartening to see that my efforts to correct this discrepancy have not yielded the desired results. I have previously submitted dispute letters and followed the appropriate procedures outlined in the Fair Credit Reporting Act ( FCRA ). However, despite my diligent efforts, the inaccurate late payments persist on my credit report. 
BK OF AMER XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I would like to bring to your attention that other credit reporting agency have already taken corrective action in response to my disputes and have removed the disputed late payments from their reporting. I am left perplexed as to why your bureau has not followed suit.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, it is required to remove any incorrect accounts from my credit report. Please review the documents, as some accounts are inaccurately reported. I should receive {$1000.00} for each erroneous report on my credit file.