23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Complaint Regarding Identity Theft and Fraudulent Account Account Number # XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an incident of identity theft and a fraudulent account that has been opened in my name. I believe this incident is a clear violation of consumer rights, and I request your assistance in resolving this matter. 

In XX/XX/2017, I received notification from XXXX, a major credit reporting agency, stating that I was a victim of their criminal cyberattack that occurred in XX/XX/2017. It was revealed that unauthorized individuals had gained access to my personal information, including my name, Social Security number, birth date, address, and potentially other sensitive details such as driver 's license and credit card numbers. 

As a result of this breach, my identity was stolen and subsequently used to open a fraudulent account with XXXX XXXX XXXX  I have never had any association with this financial institution, and I can confirm that the account in question does not belong to me. 

The impact of this identity theft has been significant and has taken a toll on my overall well-being. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I have experienced as a direct result of this incident required me to seek medical treatment. I believe that XXXX 's negligence in safeguarding my personal information and their failure to prevent unauthorized access to their systems have caused me substantial harm. 

I have taken immediate action to mitigate the situation by contacting XXXX XXXX XXXX directly to inform them of the fraudulent account. However, I am now turning to the Consumer Financial Protection Bureau for further assistance in resolving this matter and seeking appropriate remedies for the damages I have suffered. 

I kindly request that you investigate this case thoroughly and take appropriate action against XXXX for their failure to protect consumers ' personal information. Additionally, I urge you to support me in resolving the fraudulent account with XXXX XXXX XXXX promptly and ensuring that any negative impact on my credit history is rectified. 

Enclosed with this letter, please find supporting documentation, including copies of relevant correspondence and any other evidence that can aid in the investigation and resolution of this matter. 

I appreciate your attention to this complaint and your commitment to upholding consumer rights. I look forward to a prompt response and a favorable resolution to this distressing situation. If you require any further information or clarification, please do not hesitate to contact me. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I was emailed a {$300.00} American Express ( AE ) gift card on XX/XX/XXXX. The AE email instructed to click the blue bar to access the needed info to use the gift card - the page that loaded did not give me the info I needed to use the card : rather, it asked for the info I needed to access the card. On XX/XX/XXXX, I called AE and was told to fix my computer and download XXXX, and that they would not mail the card to my address as I requested. On XX/XX/XXXX, XXXX XXXX sent a no reply email to contact her at XXXX or supply her my phone number - I sent her my phone number on XX/XX/XXXX. Ms. XXXX called and held the company line and further refused to mail the card to my address. AE still has my {$300.00} card ( and, how many other gift cards are they holding for ill-gotten gain ). I had no problem with an online XXXX gift card.
Product: Prepaid card

My company purchased an American Express XXXX card on XX/XX/year> for {$50.00}. I tried using it and although normally the {$50.00} would be taken from the total amount, the merchant couldn't accommodate this. 

This caused the card to be flagged for fraud when I went to their website XXXX When I called the company XXXX I was told that they needed to send me a new physical card. 

I explained I was concerned about giving my personal information as the purchase of these cards is to remain anonymous. They have the {$50.00} but can only give me a new card and not unfreeze the funds that they had originally frozen. 

It is essentially blackmail that they have your funds and you can't get it until they have your full name and address. This was their only resolution.
Product: Mortgage

Effective XXXX, my loan was transferred from XXXX to PHH Mortgage Services. As of XX/XX/XXXX, I received a letter on XX/XX/XXXX dated XX/XX/XXXX/19 from PHH that my loan was transferred and how I could pay. Mail should not take 2 weeks so they must have backdated the letter. 
My complaint is that I have received no actual statement from PHH and payment is due in 3 days. 
I attempted to call customer service ( XXXX ) XXXX multiple times and got a busy signal. 
I will send payment in mail tomorrow even though I have no payment stub. I will not do mortgage business online if offered ; and I expect statements to be mailed in time according to laws and common practices, which historically has been at least 10 days prior to due date.
Product: Checking or savings account

XXXX accounts were opened in my name Bank of America. Ive never banked with them.
Product: Bank account or service

Paypal will not release my funds since XXXX/XXXX/15, account is closed withholding funds for 180 days until XXXX/XXXX/15, unlawful violation of " Regulation CC '', unreasonable delaying in funds withdrawal or deposits. Paypal claims my account is closed forever, I am blacklisted as a customer blacklisted forever, but Paypal refuses to release my funds {$500.00}. What Paypal is doing is illegal, an unlawful violation of " Regulation CC ''. XXXX XXXX, Paypal Acct # XXXXXXXXXXXX. My contact number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dept Of Ed/Nelnet CLOSED This account has been closed since 2003 and every few years it gets updated with wrong information. Today I noticed that the closed account has been updated with yet again mis-information about me paying {$79.00} a month. 

This is wrong and I need this account remove from my credit report. I never paid {$79.00} a month on this account and why is it updated with wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 2. there is some inaccurate information reporting. XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 3. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit card or prepaid card

I tried a website to get an answer on a computer problem. The site did not answer my question and charged me XXXX. I called U.S. Bank and told them not to honor that charge because I didn't get an answer, they took this charge off my bill. The next day, I looked at my credit charges, on-line, and found a XXXX charge for joining this site. I did not join this site! The charge was put on without my knowledge. I called and told the fraud department that this was a fraudulent charge and they shouldn't honor this charge. They told me this charge would be taken off my bill. I have since closed my account because of this charge and I keep getting notices that I owe this bill. For three months I've been dealing with the fraud department and they are still charging me for this fraudulent charge.
Product: Checking or savings account

XX/XX/23 : XXXX M & T Bank to close checking account. I no longer live near any physical branches and do not have any checks, so I was told to update my residency address with the bank and call back in XXXX weeks to order a debit card so that I could make a transfer of the remaining balance in the account in order to close it. 

XX/XX/23 : XXXX M & T Bank to follow up my call from XX/XX/23 and to request a debit card. Was again asked if I could come into a local branch. When I said I no longer lived near any branches, I was told my address had not been updated and to call back in another XXXX weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following public record is not mine, this is an inaccurate reporting under my name under my equifax credit reporting agency, i will be attaching my proper paperwork to this attachment, please have this inaccuracy removed from my equifax credit reporting,  this is not mine, i have disputed this with equifax several times but they are not helpful literately they say they verified in one day. this is not right, please help me in this very sensitive issue thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX CREDIT XXXX BANK NA XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SPEEDY CASH/CURO XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a XXXX.
Product: Checking or savings account

Navy Federal has used extortionate means to withdraw my money from my checking account without my permission, authorization or any lawful consent! On XX/XX/22 in an amount of {$220.00} and on XX/XX/22 in an amount of {$59.00}. They have took all my money out my account to transfer it to credit cards. Under the NCUA, They have breach their fiduciary duty to work in my best interest. Their action has cause me great financial harm and when tried resolve this issue, they have been willfully negligent and noncompliant to address my needs. Ive tried multiple times to resolve this issue to get my money back but they are unlawfully refusing to. They are placing fees on my accounts due to the fact they depleted when I had other account set to have payments come from my checking account.
Product: Vehicle loan or lease

Reference : Chase Auto Loan Account Number XXXX Payment Amount : XXXX Principal Balance as of XX/XX/XXXX {$40000.00} XXXX XXXX XXXX To whom it may concern : On XX/XX/XXXX, I realized that we would not have the funds available to pay the car payment to JPMC for XXXX or XXXX because my husband 's unemployment payment did not cover all the bills. He's been out of work due to Covid-19. We have a child with pre-existing medical conditions that are susceptible to the virus, and I have XXXX  XXXX which would ultimately be a death sentence if I contract the virus. Therefore, my husband can not work unless he lives away from home. On the XXXX of XXXX, I call the Chase Covid-19 support telephone number to request a deferment. I also called the number 5 times on the XXXX of XXXX because I knew that the payment would be 30 days late if it wasn't made by the XXXX of XX/XX/XXXX. Every time I called, the number attempted to transfer me to the representative, but each time it simply disconnected the call. I tried different times throughout the day on the XXXX of XXXX and the call would never go through. I called again on the XXXX of XXXX and finally, the call went through to the representative and we were approved for a deferment of payments for XXXX and XX/XX/XXXX. Now, the company refuses to remove the late payment reported for XX/XX/XXXX on my credit report. I've spoken to representatives. I've faxed requested information that supports the numbers called as we urgently attempted to obtatin assistance more than 6 times. and Chase refuses to correct the late payment on my credit report. The company approved me a deferment but still reports the payment late. That is ridiculous. Please assist me in obtaining fair credit reporting of my account.
Product: Credit card

I have been a victim of identity theft. There was an account created on XX/XX/year> without my consent or knowledge. Went to capital one website to try and login. When trying to login to capital one online account I was found with an unknown phone number ending in XXXX when tasked to perform 2 step verification. I skipped and entered my phone number ending in XXXX. I inquired to the company to close the account made on XX/XX/year>. The company closed the account. I insisted that the online account be closed as well. The company rep. that I contacted through chat on the companys website insisted that the online account associated with the credit card account would be disabled in 2 years of no activity on account. I recently discovered a new account that was created on XX/XX/year> unbeknownst to me, who had regularly been checking my XXXX credit report on a daily basis.
Product: Debt collection

On XX/XX/17 XXXX XXXX XXXX XXXX notified me by email that they were collecting balance due on credit card on behalf of XXXX XXXX. 
We made a payment and said we would call back when we would know how much we could pay monthly. 

We are a XXXX XXXX XXXX by the XXXX. 
Zwicker and Associates notified my XXXX XXXX of the balance due on the credit card and consequently we are facing termination of our XXXX. Which we solely depend on to do business. 
Zwicker overzealous collector XXXX and XXXX were very disrespectful to me. Calling the government ( XXXX XXXX XXXX XXXX ) to report our debt and purchases on the credit card was very unfair and lawful.
Product: Debt collection

I got a call at XXXX on XX/XX/18 on my cell phone from XXXX from " specialist XXXX '' from XXXX XXXX XXXX. The voicemail is for an ex-family member that was named by her first and last name. She hasn't been related to me for years and has never used my cell phone number as a contact, meaning this company knew they were contacting someone other than the debtor. The voicemail was quiet for 4 seconds before " Specialist XXXX '' began speaking, indicating that it was a computer dialing. The debt collector is demanding a call back by XXXX today or " this will proceed to the next step that will directly affect you. We will continue to to take all available actions to get this matter resolved ... make this a priority to respond to this message at XXXX. My direct extension is XXXX. ''
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 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 or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 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 or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XX/XX/year> XXXX. XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. 
This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 30 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Debt collection

I have disputed this account over 30 times provided documentation- theft report, police reports. Also requested a signed contract with a wry signature Only as validation. I keep being sent print out of bills which is Bot the requested validation as stated by the FDCPA - I also have my receipt from my certified letter accepted with my theft report & letter XX/XX/2020. And this information still hasnt been removed from my credit. This is a fraudulent account & I have no knowledge of any contract with Portfolio Recovery or its client.
Product: Credit reporting or other personal consumer reports

FTC IDENTITY THEFT REPORT ATTACHED. I am a victim of identity theft. I am not responsible for any charges made to this fradulent account on my credit report. I did not open this fradulent account. I am requesting that this fraudulent account by XXXX XXXX XXXX XXXX XXXX is removed and bloced from my credit report. MY IDENTITY WAS STOLEN AND THIS ACCOUNT WAS NOT OPENED BY ME. 

PLEASE BLOCK AND REMOVE THIS ACCOUNT. 

XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX Account Status XXXX Owner XXXX  Account Type XXXX  XXXX  Type XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a copy of my driver license and social security card with this letter. Please delete and remove this address ( XXXX XXXX XXXX XXXX, VA XXXX ) from my credit report. 

I do not live or have ever lived at this address. 



XXXX15 U.S. Code 1681 section 602 ( a ) ( 4 ) 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.

-15 U.S. Code 1681 section 611 ( a ) ( 1 ) Reinvestigation Required -15 U.S. Code 1681 section 616. Civil liability for willful noncompliance -15 U.S. Code 1681 section 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information