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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : 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 , 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 consists 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX XXXX date opened XXXX Acct. XXXX, XXXX XXXX XXXX date opened XXXX Acct. XXXX, XXXX XXXX date opened XXXX Acct. XXXX, XXXX  XXXX date opened XXXX, Acct. XXXX. Inquiries : XXXX, XXXX XXXX, 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 XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received several emails from banks verifying that several accounts were being reviewed I did not apply for. Specifically a checking and credit card account with XXXX XXXX, and credit card accounts from XXXX  XXXX XXXX, Synchrony Bank, and XXXX XXXX. I also saw inquiries were processed on my XXXX account. These primarily happened on XX/XX/XXXX. I spent much of XX/XX/XXXX and XX/XX/XXXX contacting the companies and letting them know the applications were fraudulent.
Product: Checking or savings account

US Bank advertisement opening an account and making direct deposits would qualify for a {$300.00} dollar bonus. 

I opened the account in XX/XX/1923. I made the required deposits. I contacted the bank two times about the credit. Both times they told me they would look into it and get back to me. I still havent received a reply.

That is the reason for my complaint. False advertising scam.
Product: Debt collection

Merchants and professional collection bureau, inc put XXXX on my credit that I don't owe. I called the XXXX XXXX XXXX XXXX XXXX where they claimed the bill came from, they to me that I don't owe them any balance, that the Collector is not their collecting agency. I called Merchants and Professional collection Bureau to dispute the bill, they refuse to remove it from my credit report demanding my husband and I to pay the bill. In XXXX  the XXXX XXXX XXXXXXXX XXXX sent me a letter that their billing system was hack into and my medical records and personal information was compromised.
Product: Credit reporting or other personal consumer reports

I was notified by the credit bureaus that there is

a new account with CHASE on my profile. I can not get through to Chase because I have no credit card or account number. I have no way to proceed with an inquiry if Chase does not recognize me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the bellow accounts that does not belong to me and i want them to be erradicated from my credit report ASAP. 

XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account XXXX : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I had bigger Denial on automobiles XX/XX/XXXX pre approval, when I tried to make credit purchases through XXXX, XXXXXXXX XXXX XXXX  and car insurance payments increased double XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

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

( XXXX true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report Experian Report Number : XXXX file Number : XXXX XXXX  CONFIRMATION NUMBER : XXXX Account name : XXXX XXXX  Account number : XXXX XXXX, XXXX {$16000.00} {>= $1,000,000} ( XXXX ) XXXX Account name:XXXX XXXX  Acoount number XXXX XXXX, XXXX {$670.00} Acoount name : XXXX XXXX  XXXX Account Number : XXXX also i recently found out i was involved in the data breach with XXXX in XXXX this is my FTC report number XXXX these fraudulent debt is hindering my ability to apply for credit or even get a frist time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX  opened on XXXX XXXX XXXX  with a balance of {$0.00} -This is not my account.
Product: Credit card

I am writing this to file a formal complaint against Capital One regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 U.S. Code 6802 of the Gramm-Leach Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 

On XX/XX/year>, I notified Capital One that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 U.S. Code 6802 of the Gramm-Leach Bliley Act ( GLBA ), and I have retained documentation of my communication with the institution.

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that Capital One has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent.

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm.

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Capital One complies with all federal regulations and laws including the GLBA, to protect the privacy and information security of consumers like me. 

Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by Capital One. 

Please feel free to contact me at at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my rights.
Product: Debt collection

XXXX, XXXX in XXXX XXXX, IL .... sent me a letter saying I owed {$610000.00} ... .on a credit card debt that was dismissed during a bankrupcty in a case that started in XX/XX/XXXX ... ..got a letter in the mail on XX/XX/XXXX ... said they were trying to contact me for years ... this was the first letter I have received ... The said they were going to sue me and get a judgement on everything I own and attach my wages ... .. I called them and they said they would accept {$3100.00}. I am XXXX years old and I do n't want to be sued ... .did n't realize at that point it was included in a bankruptcy that was filed in XX/XX/XXXX ... I paid {$300.00} to them upfront and said they would not sue me if I paid the balance in 10 days.. after that, I realized that it was included in a bankrupcty .... I called back and talked XXXX XXXX was screaming at me, said now the entire amount is due ... .she hung up on me ... I was just trying to determine what this was about ... I have copies of my bankrupcty papers ... which includes the XXXX XXXX credit card ...
Product: Debt collection

When I contacted Medicredit Inc requesting debt validation pursuant to The Fair Credit Reporting Act as well as The Fair Debt Collection Practices Act, they refused to validate the debt.
Product: Credit card or prepaid card

My payment due date on my CapitalOne Venture One card wasXX/XX/2019 The balance due was XXXX. I am enrolled in Autopay. In order to avoid this amount from being withdrawn at one time, I paid XXXX on XX/XX/XXXXand XXXX onXX/XX/XXXX. OnXX/XX/2019 the amount of XXXX was withdrawn from my checking account as the Autopay. When I called CapitalOne the first clerk stated that my credits should have been reflected against my XX/XX/XXXX statement. She had to place me on hold to get assistance explaining why this was not the case. It was explained to me that my payments were being applied to current charges and not my statement. I stated that if the Autopay is able to adjust for credits from merchandise returns it should reflect payments made by me. CapitalOne agreed to refund my XXXX   payment made on XXXX XXXX but stated this will take 10 business days to post to my account. My concern is that this is deceptive. After reading the AutoPay Terms and Conditions, I do not believe CapitalOne is adhering to their own terms and conditions. After speaking with a CapitalOne representative she admitted there is a "glitch" in the system.
Product: Checking or savings account

My usual banker, XXXX XXXX, was out on XXXX leave, so I was forced to go the branch XXXX, XXXX for a copy of my mortgage loan papers. when she asked me, in her usual sarcastic tone, 'is the loan with Chase XXXX, I replied in the same tone, 'oh no, it's with XXXX XXXX XXXX XXXX I go there '? XXXX gave me a strange look and I then replied in her same sarcastic tone, 'Of course it's with Chase XXXX XXXX otherwise why would I be here '? 
She sat down at her computer and replied that she could not find any loan in my name. I was forced to go to another branch, where the bank XXXX found the paperwork in 30 seconds. 
When I returned to the branch a few days later I was informed that all my accounts had been closed. 
When I asked XXXX if she had done this - she replied that she had ; when I question her on why - she again sarcastically said " for bad behavior!! '' This included all my checking accounts, my credit card accounts, and my JPMorgan on line XXXX  account. 
What horror this has caused me ; at my age to start all my banking history, to have auto payments negated, to have credit cards closed where I was accruing airline mileage points ; all because I would not tolerate XXXX 's sarcasm. 
I took this up with XXXX 's superior, XXXX XXXX, whom although she showed some sympathy for my story, said that she find some documents that there were other reports of my 'bad behavior. These reports were never shown or explained to me. I can only assure you that there were never any incidence of malice, bad language or any display of threating behavior, insulting behavior or any of the slightest indication of physical threat or harm. 
I have always been quite generous with each banker that I have been in contact ; from supplying needed food products during this Corvid pandemic, to bringing different sweets and little thanks you gifts for their service to me. I feel this action was so over the the boundary of institutional behavior and was initiated only because XXXX never showed the slightest bit of respect or courtesy to me., Was it my religion, my age, or my obvious preference for anyone but her to help me as her brazenness was always a factor in her dealing with me. 
There were many other instances as well. That was the most heartbreaking one as I've been a loyal customer for years and that woman out of nowhere shut down all my bank accounts for no reason whatsoever. Another incident just to give an example was she made me walk all the way back home because I didn't have a mask, when I knew that she had a supply to give to her customers and even saw her hand it to other customers in front of me, but never showed me the same courtesy and treatment.
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099-C ( Cancellation of Debt ) for the following charged off accounts listed below. ) After checking my most current report, the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account. Debt. 15 USC 6802
Product: Debt collection

Reach out to Midland credit management about a report they put on my credit report ask them to send me a copy of the debt owed they said they dont have it I ask them to remove it from all three credit reports
Product: Credit card or prepaid card

Netspend completely lock me out of my prepaid card account. I have had a few deposits and refunds sent to the card not knowing I could be revoked access to my prepaid card account and any deposits that where sent to the debit card also.
Product: Credit reporting or other personal consumer reports

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 

Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1000.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$560.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$780.00} Reason : Account is fraudulent Account Name : XXXX, XXXX  Account Number : XXXX AMOUNT : {$500.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1400.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent a MoneyGram order to my cousin in XXXX for his medical bills. On XX/XX/XXXX, he went to 5 different MoneyGram locations to retrieve the money sent and all the agents told him that he can not retrieve the full amount. I called MoneyGram on XX/XX/XXXX, to try to resolve this issue. I was told that they would have to cancel the transaction but I would be loosing my service fee of {$14.00}. I explained to the the issue was not on my end but on their end and I was not told that there was a limit to the amount that I would be able to send. They told me that they couldnt refund me my service fee. I just want the entire amount back. Ive already lost {$60.00} in transportation fees to have my cousin go to 5 different locations. We have been giving the run around and I feel I have been scammed and violated.
Product: Credit reporting or other personal consumer reports

I looked at my report after the last claim was filed and completed and Experian has yet to remove the accounts that are reporting inaccurate information to my credit report. I've looked at my updated report today XXXX XXXX and noticed things are still inaccurate and incomplete. I sent letters to Experian and asked them to investigate the completeness and accuracy they have not fixed the issue. THEY ARE BREAKING THE LAW. 

According to 15 USC 1681e ( b ) it states, 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 ( 5 ) it states Treatment of inaccurate or unverifiable information ( A ) In general If, 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. 

Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
This is unfair and unlawful can you fix this and remove accounts
Product: Debt collection

Text, emails to me daily XXXX XXXX harassing me about this accounts I have told them. I cant at the moment and remove my number from contacting I will contact them when Im ready.