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

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX Balance : {$450.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

We purchased Experian family plan. My wife was added to the plan. However, her account is not fully active and therefore many of the profile items are not being monitored. I have called Experian NUMEROUS times, but they will hang up, drop chat, transfer to nobody and are totally unwilling to correct the issue! It is the worst customer service I have ever experienced. And this is one of the companies responsible for my Credit?!?
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 secti

on 602 A. States I have the rights to privacy. 15 U.S.C 1681 sectiion 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 ir has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX never notified me of attempt to collect a debt. This company is saying I owe {$XXXX} and the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and Addresses were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law- Credit Cards- XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX Amount- {$6000.00} XXXX. XXXX Account # - XXXX Open dateXXXX XX/XX/XXXX -Amount- {$2400.00} XXXX. XXXX XXXX Account # - XXXX XXXX XXXX XX/XX/XXXX, XXXX Amount- {$4300.00} XXXX. XXXX XXXX Account # - XXXX XXXX XXXX XX/XX/XXXX, XXXX Amount- $ {$7600.00} XXXX. XXXX XXXX Account # - XXXX Open Date- XX/XX/XXXX, XXXX Amount- {$1000.00} Inquires XXXX. XXXX XXXX- Inquiry date- XX/XX/XXXX XXXXXXXX XXXX- Inquiry Date- XX/XX/XXXX XXXX. XXXX - XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

** XXXX XXXX ** EXPERIAN continues to infringe, commit identity theft ( never gave permission to divulge my personal information ) and avoid processing my matter as stated. 

On XX/XX/2023 sent in my SECOND set of documentation regarding block of information on my credit report. 
Today, XXXX XXXX - received an email from XXXX XXXX within the Consumer Affairs Department states I did not provide documentation. I am attaching the documentation to this complaint. Left a message for XXXX XXXX at approximately XXXX EST today and I have not heard back yet. 

I have now made a formal complaint to my StateXXXXNorth Carolina Attorney General 's office. 

My next course of action will be litigation!
Product: Debt collection

I am being charged over XXXX dollars for something that is not mine and something that I do not intend to pay since it was not me. The company is Collections USA and I have never heard of this company or the company that they say I owe
Product: Student loan

I am applying to switch from the SAVE payment plant to the PAYE plan. They have not put me on the processing forbearance that counts towards PSLF even though I applied about 2 months ago on XX/XX/year>.
Product: Checking or savings account

We had a check cashed on our account that was not our name, adress or signature. The fake name in the acct wasnt ours. The signature wasnt our name. Its ridiculous that they cashed it. We caught the mistake on XX/XX/XXXX. They still have not returned the funds
Product: Credit card or prepaid card

Hello, I am voicing a formal complaint against TD Card Services. My wallet and credit cards were stolen in XX/XX/XXXX. TD notified me via text message of potential fraudulent activity on XX/XX/XXXX, and prevented numerous $ 1,000+ transactions to XXXX XXXX via XXXX XXXX. When I called TD to confirm the transactions were not initiated by me, I had voiced concerns about {$0.00} transactions for " Mobile Wallet '' listed on my online account as recent transaction activity. The representative said they meant nothing and didn't move forward with the issue. They blocked the fraudulent charges, and issued me a new card number. 

Well, on XX/XX/XXXX, my TD credit card was once again compromised. On XX/XX/XXXX, I discovered TD allowed a {$1000.00} transaction to be paid to XXXX XXXX via XXXX XXXX on XX/XX/XXXX. The same amount, company, and payee they blocked one month prior. I had to speak to numerous representatives to get through the system in order to speak with a manager in the fraud department. After having to retell exactly what happened 3-4 times, the call was disconnected, and the manager did not reach back out to me. After I called back and had to go through all of the prompts and security again, I was informed by another Fraud Manager that my card was compromised because " tokens '' were left available on my accounts. These tokens connected my new card number with my old card number. And when the first new card number was issued, it was sent directly to the fraudster- to SEVEN virtual wallets. This means that the 6+ representatives within the fraud department who arguably should be more informed on fraud tactics than myself did not think to consider this issue a possibility, when I had multiple {$0.00} mobile wallet transactions on my recent account activity. 

I am utterly disgusted by the service I've received. The representatives in the fraud department at TD failed me. They allowed a fraudulent transaction to go through on XX/XX/XXXX, and have yet to reverse the transaction to make me whole as of XX/XX/XXXX. This is utterly unacceptable. 

I received a voice message from a manager at TD, who told me that this will likely not be resolved until XX/XX/XXXX 23 days after the fraudulent activity occurred, and 18 days after they were notified. Not only has TD bank failed to protect me from fraudulent activity, they are creating significant hardship and anguish by failing to rectify the failure and make me whole. 

Whats more, this credit card account was fraudulently open for me by a TD Bank branch representative in XXXX. When I called this branch in XXXX, PA to notify them, they told me that the employee was let go and there was nothing else they can do. 

TD Bank should be investigated for unfair and unacceptable business practices.
Product: Bank account or service

On XX/XX/XXXX I spoke to XXXX in the universal fraud department at Synchrony Bank about a fraudulent XXXX Rewards application that was submitted under my name. She stated that she would have it closed down, a fraud file created in their system, and a deletion request sent to the credit bureaus. She questioned me about my legitimate Gap, Banana Republic, JCPenneys, and Sam 's Club accounts. I informed her that those were mine and not fraudulent. 

I received a letter from Synchrony bank on XX/XX/XXXX that these XXXX legitimate accounts were closed down. I then spoke to a XXXX in the universal fraud department who confirmed that the accounts were closed down on XX/XX/XXXX and that it would take 7-10 business days for the issue to be cleared up before new cards could be reissued. 

On XX/XX/XXXX I spoke to XXXX who claimed to be a manager in the universal fraud department. She stated that they would be sending a notification to the credit bureaus informing them that the accounts were closed due to an error on their part. She also mentioned that this should not only have them reopen the accounts, but retract any derogatory information that would have been/has been reported due to this. 

Around XX/XX/XXXX I received a letter from Synchrony notating that they took me off of my husband 's BP account ( I was an authorized user ). I contacted them and they stated they would correct it. 

I received another letter from them dated XX/XX/XXXX notating that a fraud investigation was being done my Gap account. Around XX/XX/XXXX spoke to XXXX in the customer service department in the XXXX office who stated that there were 4 letters mailed out to me ( one for each legitimate account of mine that was shut down ) that listed recent charges. I was to mark which charges are legitimate and mail it back to them so that they can be reopened. I found it strange that I was being told this now, despite me speaking to MULTIPLE representatives and a supervisor who told me that there was nothing to be done on my part. 

On XX/XX/XXXX I spoke to XXXX in the universal fraud department who transferred me to XXXX, and account manager, in the XXXX. XXXX mentioned that she sees that these accounts were previously, accidentally claimed as fraud and that I would need to speak to the fraud department. I spoke to an account manager in the investigations department named XXXX. She stated that I did not have any work to do on my end and that I would be receiving a letter notating that the accounts were legitimate in 5-7 business days. Here we are exactly 2 weeks later. I have not received the letter XXXX promised me. My legitimate accounts are still closed. I would like this mistake corrected. It 's been almost 2 months now and nothing has been done.
Product: Credit reporting or other personal consumer reports

I am part of the XXXX data breach and I do not recognize nor did i authorize these companies to make credit inquiries on my report, I tried to dispute them and they keep on saying that i have to get the company to remove them, They cant remove them
Product: Debt collection

My complaint is about XXXX company sending me a bill stating that I owe them money for their services and that I was under a contract for years to come. But when I first sign up for there services I was told differently. I paid my final bill with them and close out there service. 
Next thing I no I receive in the mail an " RPM '' notice stating that I was in collect. 
I had spoken with someone representing this company and again they suggested that I call " XXXX '' office. The reason why this third party has not been calling me is because I did not give them my telephone number. 

RPM stand for Receivables Performance Management LLC.
Product: Debt collection

I am & have been paying for XXXX years a monthly amount to this DEBT COLLECTOR XXXX. XXXX the debt collector, FIRST SOURCE XXXXrefuse to stop reporting this debt as un collectable, regardless of my paying for XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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

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

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX RE : Notice of Violation of the Card Holder Agreement Greetings, I have recently viewed my credit report and I noticed something strange as it pertains to what you are reporting to the XXXX major credit bureaus. Upon signing up and accepting the terms of the credit card associated with this account, it is written in the agreement that all disputes should be handled via arbitration. Unfortunately, there has been no filing or initiation of arbitration from either party. This is a material breach of the arbitration agreement we had. To add to that, you continued in those efforts and sold this debt to a third-party debt collector after have charging it off. 

I am certain you were able to communicate the details of your dispute before deciding to breach the contract. It can be safely assumed that you were willfully neglectful in your duties to uphold the agreement set forth by this company. 

This letter is a humble attempt at seeking to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records.

3. Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. If that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Recently now, Reported By Law Offices Mba Reported On XX/XX/year> Account Balance {$1400.00} I do not not know who this is, claiming I've open an account loan and that I owe that amount of money. I believe it's an identity fraud, I have googled and checked who they are and it looks like a fraud/scam, they have 2 offices, one has been closed down and now another is open, Ive done my small investigation search on XXXX  on them and it seems that so many people are being harassed and scammed by this organization, Ive never heard of this organization nor I owe nobody no money, I pay everything of my credit card on time not once have I missed a payment, the evidence relies on my credit report. This organization suddenly and recently now as the date shows, appears in my credit report in which this is the very first time of hearing from them and knowing them.
Product: Checking or savings account

I opened a XXXX Checking account with Santander on XX/XX/XXXX. I began direct deposit from my employer into this account on XX/XX/XXXX. My XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX paychecks were direct deposited into this account. The only other transactions with this account were withdrawals to my XXXX account where all my investments are held. Sometime in early XXXX I realized I could not log into my account. After a couple of days of attempting, I called Santander and they stated my account was frozen and the only way to get it opened back up was to stop in branch. I escalated the call to a XXXX since I am XXXX hours away from the closest branch. They stood firm that the only way to open my account or get my money is to go to a branch and show them my ID to verify and it would be cleared up. While on a quick trip to Massachusetts on XX/XX/XXXX I stopped into a branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was told there that they can not re-open the account and gave me a phone number to their fraud department. I was told to just call the number and tell them I had stopped with my ID and they would re-open it. I left the branch and called the fraud number. They told me I need to go back into a branch and have them call with my ID to verify and open the account. I returned to the same branch in the morning XX/XX/XXXX and the teller called the fraud department. Since she was only a teller they would not let me authenticate her. The banker in the branch refused to see me and call because she was booked for the entire day. I asked to withdraw my money as I have no idea when I will be near a branch again and they would not allow the withdrawal. I have made all the accommodations asked and Santander is being unreasonable. I'm willing to securely send any required documentation via email to verify my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I`m trying to refinance with a bank and when they ran my credit report, they said my Fico score was very low and most likely will be denied because  Well Fargo  mortgage company not showing that I`m making monthly installment. Because   XXXX   I went bankrupt but I called the bank to reaffirm them, that I will continue making monthly payment that was being automatic withdraw from my bank account. And all this time payment was never stop while I was going through the bankruptcy, never late or missed a payment! So I e-mail them my issue and they e-mail me back with the number to there bankruptcy department. On  XX/XX/XXXX  I call the number they gave me and I spoke to a rep and she said I was suppose to submit a letter by my lawyer but I told them when call why you didn`t you tell me that and her response was not our job to advise you what to do! If I have known that 6 years ago, I would have brought it to my lawyer attention and because of this matter I missed out on low interest rate. Rep, told me to fax a letter asking proof of payment from to  XXXX  to present time to show banks I`m making payment. But the bank I`m going through said that not good enough to up my score! Not the way to do business since I been a loyal customer! I really appreciate your help on this matter.     Sincerely  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file. 
Please take the necessary actions to ensure that any unauthorized or fraudulent accounts, as detailed in the accompanying documentation, are blocked and removed from my records.
Product: Debt collection

I sent the company Achieve Loans a cease and desist letter to stop contacting me and they are still harassing me everyday.