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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request to Remove Fraudulent Accounts Due to Identity Theft Dear Equifax, I am writing to formally dispute and request the removal of fraudulent accounts from my credit report. I am a victim of identity theft, and my personal information was compromised in the Equifax data breach. The following accounts were fraudulently opened in my name without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I respectfully request that you block and remove these accounts from my credit report as required by the Fair Credit Reporting Act ( FCRA ). To support my claim, I am enclosing the following documentation : 1. A copy of the police report or FTC Identity Theft Report.

2. A copy of my government-issued photo ID.

3. A copy of proof of residence ( e.g., utility bill or bank statement ).

4. A copy of my credit report highlighting the fraudulent accounts.

Under the FCRA, I understand that you are required to investigate and remove fraudulent information from my credit report within 30 days. Additionally, I request that a fraud alert be placed on my file to prevent further fraudulent activity. 

Please confirm in writing once the disputed accounts have been removed and my credit report has been updated. If you need further information to process this request, feel free to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Copy of police report or FTC Identity Theft Report Copy of government-issued ID Proof of residence Copy of credit report with highlighted fraudulent accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a complaint to the CFPB on XX/XX/XXXX against XXXX XXXX Bank due to unfair practices of not letting me pay off my debt despite calling and following up with them multiple times, and hitting me with delinquent payments and hurting my credit score. My credit score has still not returned to the original value it was at before I had opened a card with this bank. I have always responsibly paid off all my debts and worked extremely hard to increase my credit score. Please see the attached file for my earlier credit scores ( in XX/XX/XXXX ), where XXXX was XXXX ( I'm currently only at XXXX ), and Equifax was at XXXX ( currently only at XXXX ). This is unacceptable and a violation of my rights as a customer.
Product: Credit reporting or other personal consumer reports

Mortgage company ( movement Mortgage XXXX ) sold our Mortgage to movement Mortgage llc. And now it appears we have XXXX identical Mortgages since XXXX of XXXX. Also, We closed on our house in XX/XX/year>, and no payments were reported on our loan until XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I have become a victim of identity theft due to the XXXX data Breach. I contacted the Federal Trade Commission and filed a FTC complaint XXXX XXXXXXXX which is attached. There are accounts on my report which have been exposed Equifax data Breach. These accounts are hindering me from obtaining new credit and thus causing me much hardship. the credit bureaus are not listening to anything i say.

Please take this matter very seriously. I hope your agency takes the full extent of federal law into account when dealing with cases like this. Under the FCRA of 1970 Section 609 { e ) I request that all the information circled on my credit report be blocked from my consumer credit file with your company pending your full investigation. I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to the Credit Bureaus. 

Please remove all accounts from my credit report. Thanks for your help with this matter. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to detail the challenges I have faced regarding inaccuracies on my credit report due to the XXXX XXXX breach that compromised my personal information, specifically involving XXXX XXXX XXXX and XXXX XXXX. My sensitive data was included in this breach, which has resulted in unauthorized access and the creation of fraudulent accounts under my name. Consequently, this has led to the reporting of inaccurate information on my credit file, including accounts I did not open and late payments that I did not incur. 

Since discovering that my information was part of this significant data breach, I have made numerous attempts to rectify the inaccuracies on my credit report. I have disputed this information with all three major credit reporting agenciesTransUnion, XXXX, and XXXX supporting documentation and evidence to substantiate my claims. Despite my diligent efforts, I have encountered persistent challenges, and nothing has been done to resolve these inaccuracies. The erroneous information continues to adversely affect my XXXX XXXX and financial standing, limiting my ability to secure loans and credit. 

Additionally, I am particularly concerned about the implications of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX. This lawsuit highlights serious deficiencies in how XXXX manages consumer disputes and verifies the accuracy of the information it reports. The findings of the CFPB resonate deeply with my experience, as they reveal a troubling pattern of negligence that many consumers face when trying to correct inaccuracies on their credit reports. This situation underscores the urgent need for credit reporting agencies to fulfill their responsibilities in ensuring that the information they report is accurate and fair. 

In light of these circumstances, I am seeking a resolution to have the inaccurate information related to the XXXX data breach removed from my credit report. The ongoing issues I have faced with TransUnion, XXXX, and XXXX demonstrate the systemic challenges consumers encounter in correcting errors, particularly in the aftermath of data breaches. I hope that by sharing my experience, I can not only work toward a resolution for myself but also contribute to a broader dialogue on the importance of consumer protection and accountability in the credit reporting industry.
Product: Debt collection

I WAS INFORMED BY XXXX THAT I WAS A VICTIM OF DATA BREACH AND MY INFORMATION WAS AT RISK ALSO FOUND SEVERAL COLLECTION ACCOUNT ON MY REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Upon checking my credit report I saw a few disturbing inaccurate accounts on my credit report. These account were not authorized or have a permisable purpose to be on my personal credit credit report. 
I an aware of 15 USC 1681c which states a consumer report will be kept confidential. Please remove this account from my credit profile immediately. This action is effecting the way I live. 

XXXXXXXX XXXX  XX/XX/2022
Product: Credit card or prepaid card

I made a purchase during a promotion period in XX/XX/2019 using my credit card. The promotion was no interest paid for 12 mths. My statement said in XXXX to not be charged interest when the promotion ends I would need to pay off of the promotion balance before the promotion ends. In XXXX I made two payments equal {$930.00} which was more than promotion balance. The bill did not specify where I could allocate my payments. I assumed based on the amount I need to pay the large payment I made would go towards paying the promotion balance. I continued making my regular payment and sometimes more than the minimum balance since then. 
I noted today that my card amount due increased by over {$200.00}. This is because an interest payment of {$200.00} was applied. When I called them I was told that the XXXX payments where not applied to the promotion and I should have called customer service earlier and let them know to change where these payment were allocated. 
I was told the only way to avoid paying the {$200.00} interest is to pay off the {$480.00} balance by XX/XX/XXXX and they can't reallocated the {$930.00} payment because their system made the best judgement of applying my payment as a regular payment instead of the promotion,
Product: Credit reporting or other personal consumer reports

This Complaint is against XXXX, XXXX, Experian for Violation of the Privacy Act and Ignoring Opt-Out Request. 
I am filing this complaint against XXXX, XXXX, Experian due to their repeated violations of the Privacy Act and their failure to honor my opt-out requests for Marketing communications. These actions have caused significant distress and a breach of my privacy. 
a. ) Unauthorized Sharing of Personal Information. 
On multiple occasions, XXXX, XXXX, and Experian has shared my personal information with third parties without my consent. Specifically, I have noticed an increase in unsolicited marketing communications from companies i have no prior relationship with, which indicates that my information has been shared without authorization. ( Specifically, my name, address, phone number, and email address ) b. ) Failure to Provide Access to Personal Information. 
I requested access to the personal information XXXX, XXXX, and Experian holds about me, as is my right under the Privacy Act. However, my requests have either been ignored or insufficiently addressed. 
c. ) Inadequate Data Security Measures. 
I have reason to believe that XXXX, XXXX, and Experian do not have adequate security measures in place to protect my personal information, as evidenced by the unauthorized sharing of my data. 
d. ) Ignored Opt-Out Requests Violation I have repeatedly requested to opt-out of marketing communications from XXXX, XXXX, and Experian XXXX but these requests have not been honored. Despite multiple attempts to opt-out through various provided channels, I continue to receive unwanted communication. 
e. ) Misleading Opt-Out Process. 
The opt-out process provided by XXXX, XXXX, and Experian is misleading and difficult to navigate. There is a lack of clear instructions, and the process seems designed to discourage consumers from successfully opting out. 
f. ) Impact on Me The violations committed by XXXX, XXXX, and XXXX have caused me significant distress and inconvenience. the Unauthorized sharing of my personal information has led to an influx of unsolicited communications, which disrupt my daily and compromises my privacy. Furthermore, the failure to honor me opt out request demonstrates a biant disregard for my preferences and rights as a consumer. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option
Product: Bank account or service

I believe that I have unfairly been charged 2 separate overdraft fees for the same day. On XX/XX/2017, Bank of America processed a series of charges which caused my checking account to go negative by a few dollars. While, I very much find the timing and manner of which they processed these charges objectionable, I will concede that I did schedule more charges than was currently in my account believing that I would have time to deposit more funds ( which I did the very next day ). What I find virtually criminal is how they structured the events ( of the same day ) so that they took a minor amount from another of my accounts to charge me a " {$12.00} overdraft protection fee '' and then charge a " {$35.00} overdraft fee '' for the same day all processed simultaneously!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Deletion of Inaccurate Late Payment Entries Dear XXXX I am writing to dispute inaccurate information on my credit report under 15 U.S. Code 1681 ( Fair Credit Reporting Act, FCRA ). Upon reviewing my credit report, I noticed that late payments have been reported on my account ( s ) for the following [ account name or number ]. I believe these late payments are either incorrect or incomplete, and I am requesting that these entries be investigated and removed from my report as per the rights afforded to me under the FCRA.

The relevant law under 15 U.S. Code 1681s-2 ( b ) requires that the furnisher of the information ( in this case, the creditor reporting the late payment ) must investigate any dispute within a reasonable period of time and correct or delete any inaccurate or incomplete information. Based on my records, the reported late payments were either processed incorrectly, or there were circumstances that led to incorrect reporting. 

The following account ( XXXX ) are disputed : Dept Of XXXX XXXX XXXX XXXX Late Payment Date ( XXXX ) : The entire reporting is inaccurate I respectfully request that you investigate this matter with the relevant creditor or lender and remove the reported late payments if they are found to be inaccurate or incomplete. I also ask that you send me the results of your investigation and the updated version of my credit report once the corrections are made.
Product: Credit reporting or other personal consumer reports

i have been a victim of identity theft for the past 6 years and i have done everything in my power to protect my identity. unfortunately i became a victim of identty theft and i have been fighting this nasty problem for the past few years and i have reached out to all the credit reporting agencies and the creditors and the CFPB, and i was let down by the results and im still fighting this matter because i belive i have rights! .i can not afford an attorney to fight the fight against identity theft so i am respectfully asking for your assistance in this serious matter. 
there are 2 fraudulant account that are currently reporting on my credit report that i despreatly need removed. 
XXXX XXXX XXXX XXXX XXXX ( opened fraudulently ) XXXX ) XXXXXXXX XXXX XXXX XXXX opened fraudulently )
Product: Vehicle loan or lease

On Saturday XX/XX/year>. I came into the XXXX XXXX XXXX XXXX XXXX XXXX  ; I was advised that the original application wasn't accepted because of the notes that were added to the application. Which identified the application as a federal reserve Negotiable instrument. 
The next application was done online. 
I was then told that my application was flagged from the company because I was referred to the company and the person who referred me had scammed the dealership, so the dealership didn't accept my application because they went to pick up a vehicle that they released to someone who I don't know but the person who referred me does.
Product: Credit card or prepaid card

I opened a credit card account with HSBC Orchard Bank on XX/XX/XXXX as a secured credit card, I closed the account not long afterwards, HSBC Orchard bank has kept piling on interest and late payment charges until XX/XX/XXXX when Orchard bank was closed and obtained by Capital One. Now a collection agency is now after me to pay this " debt '' which I feel is completely fraudulent. 
The amount of penalties is {$2800.00} which now will affect my credit, so I am being held XXXX buy this collection agency for this amount. Now a woman calls me last week wanting to settle the debt for XXXX dollars. Again another woman calls me today wanting me to settle the debt with a " Covid-19 Special '' for 75 % off to the amount of {$710.00}. I will not pay a dime for this kind of harassment over a card account that I closed years ago. 
Now HSBC Orchard bank is shut down and was sold or card accounts were acquired by Capital One Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. 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. This was already included in my prior complaint, and I'm including it again. 
OAG CHILD SU XXXX Balance : {$0.00} OAG CHILD SU XXXX Balance : {$0.00} OAG CHILD SU XXXX Balance : {$0.00}
Product: Debt collection

On XX/XX/XXXX while cruising on the XXXX XXXX I opened a XXXX XXXX   credit account in their Gift Shop and purchased a pair of Green Amethyst earrings for {$590.00}. 

On XX/XX/XXXX, while still on the ship, I decided not to charge the earrings and requested the amount of {$590.00} be credited off the XXXX XXXX  account and charged to my Norwegian Gem Onboard Account. The transfer was completed and I paid my onboard account with one of my personal credit cards prior to leaving the ship. 

In XX/XX/XXXX, I received a statement from XXXX XXXX for a purchased on XX/XX/XXXX. The statement also noted that XXXX XXXX program was ending on XX/XX/XXXX and payments should be made to COMENITY - XXXX. 

I called customer service and explained that I did not owe the money. I sent them copies of the original receipt, the credit and the recharge to my onboard account. These documents were submitted to the Dispute Department at Comenity Bank. 

I received a letter from Comenity Bank, dated XX/XX/XXXX, stating after careful investigation, they determined that I was not responsible for paying the disputed amount and they were making an adjustment to my account. 

The total amount of {$650.00}, which consisted of {$590.00} for the earrings plus interest should have been deducted from my account leaving a zero balance. 

To my surprise, when I received the next statement, Comenity Bank had credited the interest accrued from previous statements but instead of crediting the price of the earrings they added them again in error and added interest for the current month making the amount I owe, {$1200.00}. 

I called Customer Service to point out the error and was told they would have to open a dispute. I told them I had already gone through the dispute process and they should have all the necessary documents to correct their error. 

Comenity Bank will absolutely not look into how the error occurred and continue to harass me with phone calls. I am still getting statements with interest accruing and monthly late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 10th Time XXXX  XXXX " willfully and fraudulently '' reported credit card balance on the closing date XX/XX/2022. 

The balance is {$9.00} - NOT {$74.00} as of XX/XX/2022. ( See attached ).
Product: Debt collection

Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX 281 SW 715, 719,

I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.. I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2.

I have recently obtained a copy of my credit bureau report. The report showed a credit collection/chargeoff in the name of your company. Be advised this is not a refusal to pay OUTSTANDING Until verification or the result of the investigation is completed and sent to the individual, we are requesting deletion ( s ). If you are unable to provide me with the proper PROOF ; then you must stop attempting to collect this alleged debt and remove it immediately from my consumer reporting agencies ( CRAs ).
Product: Checking or savings account

US bank has indicated that I have charged off checking account from 2023. This was not opened by me and is fraud. I have submitted a FTC identity theft pertaining to this ID theft and have attached it to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent multiple dispute to fix errors on my report and was told it was accurate. Then I notified the credit bureau to provide me with their investigation reports on the finding and I was not given that. They only sent my credit report when i as for an investigation. 
XX/XX/2023, XX/XX/2023, XX/XX/2023, On XX/XX/2023 ( i asked for proof of the documents ) XX/XX/2023 XX/XX/2023 Legal Name does not match also!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Same issue as before, which Equifax won't address and you, CFPB, are REFUSING to investigate and hold them accountable. Are you guys drunk on the job?! When Obama was President, this organization had the consumer 's back, they worked hard, they listened to us, they resolved issues and held companies accountable - you guys aren't doing XXXX! AGAIN... I froze my credit with Equifax and they unfroze it without my authority, knowledge or the use of my PIN. And YES, I have a file with them and NO, I'm not a third party, I am me. This is the last EMAIL of nonsense they sent me and you, CFPB, signed-off on : This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 

We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. 

What the bloody XXXX is going on? And why do you, CFPB, continue to allow them to NOT answer to their unethical behavior that they exhibited with my account? Do your flippin ' job, ask them questions, hold them accountable and resolve this! This is absolutely maddening and shame on all of you for NOT DOING YOUR JOB AND PROTECTING CUSTOMERS!
Product: Credit reporting or other personal consumer reports

I contacted XXXX  Customer service on on XX/XX/year> to inform them that my account is still showing as open on my XXXX credit report. They state that my account is completely closed. They asked me to contact XXXX credit Bureau. I immediately end their call and contact XXXX whom informs me that XXXX verified that my account is accurate meaning I have an open account with a XXXX balance. Both financial services are creating harm to my credit worthiness by blatantly violating the laws and intentionally reporting false information on my account.