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

I am a victim of identity theft due to a large data breach of XXXX. My information was obtained and used online to create multiple fraudulent accounts in my name. I have continuously tried to contact the original creditor, the collections companies, and the XXXX major credit bureaus. I have filed an identity theft report with the Federal Trade Commission which has been sent out to the companies above. There are XXXX fraudulent accounts on my report and numerous errors throughout the report including my name and addresses.
Product: Credit card

A credit card was applied for in my name that I never applied for. I would not have known if I didn't receive a notice in mail.
Product: Debt collection

Well Fargo has been trying to collect on a past debt which 9 years old & purporting that I made arrangements for payments and have not promised nothing ( I am on Social Security ) Under FDCPA you can not garnish under state & federal law - Now calling with threats of suing and XXXX XXXX has said that court documents were filed in XXXX XXXX, CA - Which is a bare face lie XXXX XXXX is violating FDCPA and attempting to collect on a debt beyond statue of limitations 2007 - A letter was sent multiple times Cease & Desist - However ignored request. Wells Fargo refuses to stop calling - Want to sue!!
Product: Credit reporting, credit repair services, or other personal consumer reports

please delete the following fraudulent inquiries:

CREDITOR: XXXX XXXX  DATE: XXXX XXXX XXXX

CREDITOR: XXXX XXXX XXXX
DATE: XXXX XXXX XXXX


CREDITOR: XXXX XXXX XXXX
DATE: XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

CREDITOR: XXXX XXXX XXXX 
DATE: XXXX XXXX XXXX  
CREDITOR: XXXX
DATE: XXXX XXXX XXXX
Product: Credit card or prepaid card

I've been temporarily locked out for over two years all because my prepaid card was arrived with a misspelled middle name everything else is correct but when I go to the bank they see that it's not meeting banks policy due to it not being an exact match tellers explained to me the can not grant Access until I get my edd sponsor to fix my info making it match or else they can not help me then they redirect me to protective care with there help all the did was fully authenticate me over the phone and then they help me to get my weeks of certifications to go into the bank knowing my name on my card prepaid was not a match they still went ahead and allowed to break there biggest number one policy rule that's supposed to protect the banks assets as well as the customer so my point is they broke policy to allow deposits from a customer edd benefits and then I heard the lady slip and say yeah we will just make these types of clients make them deposites only so then I find out that there cashing me out but there not and they saying that they get paid me out well if they did then that's a lie cause that then would mean they had to break the bank policy a second time because my prepaid card still has no match due to the bank of America edd pre paid account s still to this day has not allowed me even access to a simple request like a balance check so these are my major complaints that s going to hit the bank harder then the recking ball and harder then any other settlement seeking total of XXXX XXXX for sure no one gets to break there own policy to benefit themselves by conveniency so I ask to please make my complete complaint as well as to please forward to the civil claims court for reasons of negligence as total reckless disregard to health and safety due to not having a fair banking system or along with that big major nono fact the bank has finally done its self a favor by destroying there own by not being that bank we thought was for Americans I am born and raised in California and I've been totally torn down from the un professional manner that's led me to entering hardship after hard ship now pain and sufferings has to be brought to light and needs to be addressed and resolved soon because XXXX XXXX will and can go up to XXXX XXXX so with no further delay let 's correct Mr XXXX XXXX XXXX by fixing the card and sending him a brand-new card wth correct spelling so I to can utilize my account that's been made to break policy apparently bank has failed miserably and still has not made right with such a loyal customer account I ask to send it to the local civil court house to start the process unless bank wishes to out pay me to resolve this serious indictment. That's my major concern the sooner they offer me a hush money amount like what I asked. For for having no policy intact while conducting daily functions where policy should have been place in full affect for
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an address that keeps reappearing on my credit report. There also keeps appearing medical bills that have gone into collection. It belong to someone else with the same last name as me with a similar birthday and likely similar social security. I keep disputing it with the credit reports, most recently equifax. They keep taking it off only to put it back on again. I have contacted the collection agency, i have contacted the original billing people. They have told me that it is not them reporting my information. They pass on the correct information because they don't even have me in their system and have given me the information they do have, which is for someone else. However equifax keeps attaching this persons info to my report. They will not responsibility for their continual mistake. I don't know what else to do except to have to check my report continually and keep disputing. Do I have another option. I have not checked the other credit reports to see if they also have inaccurate info.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX Acct # XXXX
Product: Debt collection

Monterey Collection Service is attempting to collect a debt. Im not aware of such debt. I have attempted to contact them and sent letters of dispute to validate debt. To no such return of communication and or information never received.
Product: Checking or savings account

I have alerted Optum Bank to what I believe is a serious security issue in their phone access system. Upon calling their XXXX number, without any other verification your balance is IMMEDIATELY reported back to you when you call. Giving you your FSA balance. This does not confirm the caller is the account owner. While a balance may seem minor, this information could easily be used during a contentious divorce or for nefarious purposes such a manipulating the owner through social engineering by knowing their account balance. I raised this issue with my employer and Optum starting in XXXX with no responses whatsoever other than stall tactics or obvious wrong information about how they identify you. Caller ID is clearly being used to confirm my identity and that can easily be spoofed. 

My understanding based on the GLBA is Section 502 of the Subtitle, subject to certain exceptions, prohibits a financial institution from disclosing nonpublic personal information about a consumer to nonaffiliated third parties. 

Given my phone number is Personal and identifies me, anyone who knows my phone number and can spoof caller id ( many apps in the XXXX  app store ) could obtain this information therefore disclosing my non-public personal information ( account balance ) to the public.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX I login into my credit profile & saw inquiries on my credit report that shouldn't be there. I never authorized those transactions someone has stolen my identity. Credit bureaus Including Equifax & XXXX. I need these inquiries to be removed immediately thanks. 
These are the XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These are the Equifax inquiries XXXX XXXX XXXX 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 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

In XX/XX/XXXX, I had several incidents of fraud on various accounts including my bank, Coinbase, and XXXX. On XX/XX/XXXX I closed out XXXX bank accounts that were compromised. 

On XX/XX/XXXX, I received notification texts of OTP for someone trying to log into my Coinbase account. I received XXXX emails ; XXXX saying my closed bank account is no longer linked to Coinbase, and another that a XXXX dollar XXXX purchase was just made with that very same account. 

It seems like whoever got access to make this purchase, then was not able to send it off the platform, for the $ XXXX worth of XXXX stayed in my account. 

I Locked my account, went through account recovery, reset my password, and update to XXXX factor authentication. 

I took screenshots of suspicious account activity in my account logs, changed all major account passwords across my platforms, and ran malware scans on my laptop. The scans shows some suspicious malware that points to a banking malware called XXXX. 

I filed a claim with coinbase of this fraudulent transaction on XX/XX/XXXX. 

I notified my bank of the incident as well. 

On XX/XX/XXXX I was notified that the transfer failed, and was instructed to pay back the owed amount. Repayment was completed at XXXX EST that day, for the amount of {$35000.00}. 

My Coinbase account was restricted, and I have been unable to connect my new bank account or send any assets off the platform. 

All my assets that I had on the Coinbase platform have been inaccessible for months. 
I have submitted XXXX support cases. On XX/XX/XXXX. XX/XX/XXXX, & XX/XX/XXXX Each time they took my information and said they would escalate to a special team and I would hear back in XXXX business days. Each time I have never heard back. 

I submitted a complaint on XX/XX/XXXX. On XX/XX/XXXX I was informed that they are unable to restore my account, and unable to provide any more information.
Product: Student loan

I have paid student loans with Navient and they keep reporting as Open on my XXXX credit report, this is causing me XXXX and making my life difficult as I have disputed so many times with no help. I would like this updated and removed from my report due to the XXXX it has caused me.
Product: Debt collection

I was with XXXX XXXX XXXX XXXX And the company off to XXXX. XXXX sent new statement and increased rate plus dropped wind and hail. I called XXXX and cancelled insurance. Found another company XXXX XXXX XXXX ) My mortgage company is XXXX  and they paid XXXX without me signing any papers. I spoke with XXXX  and asked why they did this without my knowledge. 
So XXXX cancelled and returned the check to me. I then paid XXXX XXXX ( see bank statement attached ). XXXX  stopped payment after XXXX returned check to me. 
Now XXXX has me in collection saying I have to return check. After paying XXXX. 
XXXX  keeps telling me to return check which I no longer have. 
XXXX  is not helping and blocked me from sending info to them my insurance person sent to resolve this. 
Someones accounting is messed up and I am paying the price before they have me in collection. 
XXXX personnel are very rude and will not let me talk to a supervisor. 
Please help
Product: Debt collection

This is a Fraud account by this Fraudulent company. This company goes by the name of US BankXXXX . This is not the actual US Bank, this is a collection agency with an address that is listed with the credit bureaus however " permanently closed '' when you investigate it online. 

They are using an old legitimate account from XXXX that was paid off in XXXX and are trying to collect on it. There was no data available before or after and then they reported with no record of evidence that in XXXX that I was late, to make a debt. It is a scam! They have since resubmitted the debt every month as if it is current. The scam is that they fraudulently created a new debt and listed it as XXXX, XXXX, and XXXX day late payments in XXXX, XXXX, XX/XX/XXXX that NEVER OCCURRED. This is FRAUDULENT and I do not recognize this debt or US Bank/Elan XXXX 

They have shown no record of this account. We contacted them on XX/XX/XXXX, which we have those conversations recorded, when we spoke to several agents and managers who could not confirm any payment charges or histories in my name. I asked them, begged them to please send me something in writing and only XXXX XXXX said " I can only put in a request to send you something in writing. '' This is about me we are talking about and something that effects my credit report so intensely. I asked the last supervisor, " If I participate in your 'shake-down ' and just pay your ransom of {$690.00} just to make all of this go away, will you report it to the Credit Bureaus ''? 
Her response, " I can't guarantee that. '' I have disputed this through XXXX, showed them evidence of how they do not have even a legitimate address and they will not provide any proof of any kind of my ownership of this account and they do not show any evidence of their findings as to why they still allow this company to be on my credit report even though I have stated that I do not recognize this debt. 

XXXX  XXXX XXXX XXXX requires in Section CGS 52-576 XXXXix ( 6 ) years Statue of limitations for debt collection actions resulting from simple and implied contracts. Even on the Credit Reports it SHOWS PROOF my last payment was XXXX, not XXXX! The Fraud lies in the XXXX, there is no data thereafter XX/XX/XXXX of a payment.
Product: Student loan

I Hello, I have exhausted all of my forbearance/loan deferment options. After speaking with the XXXX XXXX loan repayment department they gave me a monthly amount that I could not afford. They will not budge with creating a lower payment even after my monthly expenses were shared with them. 
I only get paid once a month and paying this amount will leave me nothing to survive off of.
Product: Checking or savings account

On XX/XX/XXXX I deposited a US TREASURY check for XXXX to my account at Citizens bank. Which I did open the new account on the same day, the check was deposited. I was told the check would have a 7 day hold on it, which was fine. On the XXXX day I checked my account and the funds were not released, I was then told that an additional hold was put on the account for an additional week or until XX/XX/XXXX. On XX/XX/XXXX I then checked the account and was now told there was an additional hold put on until XX/XX/XXXX. I was told the back office has to approve or verify the check with the IRS. I then went into a local IRS office and was told the check is verifiable on the US TREASURY website, and that there is no hold on the check on the IRS 's end. I have called and called and tried to get this resolved, but it seems as if I cant get led in the right direction. The Irs has no knowledge of any BACK OFFICE reaching out to them and Citizens says they cant release the funds until the back office reaches out to the IRS. Citizens also wont give me any info for the back office. So my funds are just being held in limbo, and I was told that even on XX/XX/XXXX the funds still may not be released.Also whe I check the treasury site, it says the check was paid to me and the bank already, but I have yet to see the funds in my account
Product: Credit reporting or other personal consumer reports

Good day I recently reviewed my credit report. I found numerous inquiries from creditors who i did not give permission to pull my credit! these inquiries are fraudulent. Please remove them off my credit report.XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Of XXXX XXXX XXXX XXXX na XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Of XXXX XXXX XXXX XXXX na XXXX XXXX XXXX Na XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bank Na XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX BANK NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 {$7900.00}, {$11000.00}, {$12000.00}.

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 ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7900.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

FAIR CREDIT REPORTING AGENCY states : 15 USC 1681 section 602 a states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' EXPERIAN is a consumer reporting agency and I am the Consumer. " 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. 

XXXX XXXX XXXX XXXX has provided me 1099 C form- which is a certificate of indebtedness. 
Income can not be reported on my credit report! 
EXPERIAN IS not maintaining reasonable procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I mailed a detailed certified letter to XXXX XXXX XXXX stating that they violated my consumer rights. 
15 U.S. Code 6802 Obligations with respect to disclosures of personal information 15 U.S. Code 1681Congressional findings and statement of purpose 15 U.S. Code 1681b - Permissible purposes of consumer reports.

I requested that XXXX do an investigation and provide documentation that they were given written consent to report my transaction on my consumer report. I asked for permissible Purpose documentation. and they are willfully in noncompliance and that they are liable for the sum of {$100.00} and not more than {$1000.00}. 

On XXXX XXXX XXXX XXXX XXXX acknowledge that they did receive my letter and gave me copies of my transaction history. XXXX XXXX XXXX failed to provide verified documentation. such as disclosure documents or permissible purpose documents. in fact, they stated how I could file a dispute letter, which was irrelevant because they were responding to my dispute letter.
Product: Debt collection

I first off was never informed of the debt. I had given my insurance information for an XXXX XXXX  visit. I had not known about the debt until I had seen on my credit report. I was not aware and had disputed it as fraud. Dispute was denied then I started receiving numerous calls to collect a debt I was not aware of. I then contacted the XXXX XXXX  to try and remove the {$7000.00} in collections. Since I had not know ln of the debt it was too late to try and bill insurance. I then applied and got approved for debt to be forgiven. The letter was sent to Radius global in XXXX of XXXX. It still remained in collections. I then called in XX/XX/2023. They stated it was not received. I then emailed it their email, and disputed it with XXXX. And yet it is still on my credit as in collections.
Product: Credit reporting or other personal consumer reports

I appreciate your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$9500.00} ; XXXX XXXX Balance : {$1500.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Back in XXXX My husband got a XXXX Credit Card and I was on account. He was sent to XXXX for XXXX my child. While he was out and going to trial he had taken all Credit Cards and maxed it out at a Balance of XXXX. The bank sold it to a collection agency I never knew the court date so I could go to court and this company got a judgement. I have been extremely low income all these years and This agency keeps taking it to Court tacking on more fees. This debt is now over 10 years old and XXXX dollars. My ex died in XXXX and this company has started trying to garnish me. The only legal thing I am allowed to do is go and get a hardship again. I need help this debt was never mine and they haven't been able to get money because I don't make enough and all it is doing is adding huge interest rate fees at this point.
Product: Debt collection

In accordance with the Fair Credit act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX Portfolio recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX portfolio recovery XXXX XXXX Portfolio recovery XXXX XXXX XXXX XXXX XXXX These accounts are hurting me to a decent life and to inquire property for me and my family
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA XXXX*