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

The credit reporting agency has violated my consumer rights and violated federal law ; there's proof in 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act, which is noted below : 15 USC 1681b ( 2 ) - permissible purposes of consumer reports, the law clearly states : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I clearly did not give the credit reporting agency written authorization or written instructions to report this information. The agency is conspiring with creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. 
Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX Subject : Dispute of Fraudulent Account Identity Theft Dear XXXX Consumer Relations, I am writing to formally dispute inaccurate information on my XXXX report related to an account that was fraudulently opened in my name due to identity theft. The details of the disputed account are as follows : Bank Name : GOLDEN 1 CREDIT UNION XXXX XXXX XXXX, XXXX, CA XXXX Account Number : XXXX Bank Routing Number : XXXX Incident Date : XX/XX/XXXX This account was opened without my authorization, and fraudulent transactions were conducted under my name. I was a victim of identity theft, and I did not open, use, or consent to any activity associated with this account. 
Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and remove this fraudulent information from my record. Please conduct a thorough investigation and provide me with the results of your findings. Additionally, if this information is verified as fraudulent, Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I mailed dispute letters to XXXX, XXXX, and TransUnion regarding the correction of several inaccuracies on the following accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ...., XXXX XXXX # XXXX ...., XXXX XXXX XXXX XXXX # XXXX. 

Pursuant to 15 U.S. Code 1692g, letters requesting the validation of debt were mailed on XX/XX/XXXX directly to XXXX XXXX XXXX XXXX # XXXX. 
In accordance to 15 U.S. Code 1692g, XXXX XXXX XXXX XXXX # XXXX was to provide a breakdown of what the past due balance is for and a copy of the original signed contract from the original creditor. 

Pursuant to FCRA section 609, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, a request for copies of the original signed contract/agreement/application was sent to XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ...., XXXX XXXX # XXXX XXXX.. 

As of today, the credit reporting agencies ( XXXX, XXXX, and TransUnion ) and credit furnishers have yet to respond back to the disputes, debt validation, and section 609 requests.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

XXXX Notice for validation. This debt was put on my credit report without notice and i want to validate that the debt with a itemized bill to confirm amouts owed.
Product: Credit reporting or other personal consumer reports

identity was stolen such as id and social and later found out accounts were opened in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00}
Product: Checking or savings account

I have a checking account with Found " bank '' aka XXXX Bank, and at the end of XXXX I noticed that some charges on my account were not correct. On XX/XX/24 i went back into my office after the holidays and addressed the issue with found after blocking all activity on my card when i noticed it the previous day. 
I followed the proper procedure as described on the website and awaited the response. I than followed up ( outlined in the attached emails ). And every attempt at contact was completely ignored. When they did respond they didn't actually do anything and finally I got tired of this is asked via email why they were ignoring my emails and something must be going very wrong with their company for them to be so negligent. 
Their next response was to freeze my account due to suspicious activity and provide no explanation. They gave me a DEADLINE to provide paperwork which i had started doing and a day after they set a deadline for XX/XX/24, they just closed my account two weeeks before the deadline. Since they keep sending me emails ( attached ) telling me i can log into my account and transfer funds and when i do every thing is blocked stating my account is frozen and the people there when i email they will not respond and when they do it just says i can transfer the funds. But the account is frozen and it will not let me and noone will fix it or even respond to me.
Product: Credit card

Old Navy Credit Card has been charging a monthly minimum payment lets say of {$50.00} per month. Over the past year of payments of making no less than the minimum amount owed the balance for cash advances has increased {$37.00}. A portion of my minimum payment each month comes from these cash advances ( lets say {$8.00} ) and when making the minimum monthly payment only ( {$3.00} ) is being applied to that balance, hence the increase in the balance. This includes instances in which I have paid more than the minimum monthly payment on the account.
Product: Debt collection

I received a letter in the mail on XX/XX/XXXX from Allied Account Services , Inc. about an electricity bill that was due and needed to be paid or disputed by XX/XX/XXXX although I was unaware of the bill in my name. However, I entered all account information to settle the debt online but there was a balance of {$0.00}. The collection is on my credit report from XXXX XXXX XXXX from XX/XX/XXXX but it appears to be fraudulent as they have not been able to assist me in getting this removed from my credit and provide me with the right information to confirm if it is actually my debt. After thorough research of this company and checking all reviews from previous customers, I decided to report this issue to CFPB in hopes that it would be resolved.
Product: Vehicle loan or lease

Loan account : XXXX Lender : fifth third bank Type : installment/auto loan On XX/XX/2024 my bank, XXXX XXXX sent an electronic bill payment in the amount of XXXX to fifth third bank for my auto loan which had already been paid off in full XXXX weeks prior. This was due to me forgetting to turn off the bill pay which I have since done. I immediately contacted both banking institutions and was instructed by XXXX XXXX that they couldnt recover or stop the payment. Then I contacted fifth third and got nowhere. They were extremely unhelpful and I essentially had to research everything on my own to try to recover the over payment which posted to my XXXX XXXX account XX/XX/2024. Long story short Ive asked fifth third repeatedly to track down the overpayment and send it to me but they just act like it doesnt exist.
Product: Money transfer, virtual currency, or money service

I had {$460.00} taken from my account. I contacted to make immediately only to find out that I had other transactions taken from my account one for {$460.00} one for {$600.00} one for XXXX something dollars these transaction went to some XXXX XXXX I asked the bank to step in and stop these payments before they went out. I couldnt stop nothing but the last payment the bank said it was too late only thing that they could do was go in and file a regulation E dispute they told me it looks like I would not win the dispute although it only had been 24 to 48 hours. I would like assistance in trying to get this money back. Im a single parent and taking this kind of money from me is a whole lot of money. I barely have enough right now based on a fixed income to pay my rent, I would like some sort of assistance to step in and get this money back from this guy. This is fraud. I dont know this person and not did I authorize money to go out to him the financial situation that Im currently bank in with Pentagon , Federal credit Union . Theyre the ones so I contacted there XXXX department to try and get these balloons back from this person only to be told that more than likely it wasnt going to happen when young lady who I spoke with, said it would happen all they have to do is going to request the money back from the persons account. As long as they hadnt spent it I should be able to get my money back. Im just getting conflicting information at this point from these banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer, in fact, am a victim of identity theft, and pursuant to 15 USC 1681c-2 I am requesting the block of such information resulting from such identity theft from my consumer report. I am fully aware that pursuant to 15 USC 1681c-2 ( c ) the consumer reporting agencies have the authority to decline or rescind requests to block information. My request was not made in error nor is there any material misrepresentation by me the consumer so my request should not be declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I have asked Equifax Information Services LLC. ( EQ ) to investigate the accuracy of the information in my credit file, to wit account XXXX XXXX ( PL ) XXXX. EQ response to me is the same. On XX/XX/2019 and again on XX/XX/2019 ( via certified mail XXXX ) I sent EQ a SECOND REQUEST to have EQ remove the inaccurate information from being reported on my credit file within EQ database. 
On XX/XX/2019 EQ sent me a reply of We are currently processing your previously submitted dispute for this account ( s ) ; we will not be conducting further investigation into this particular account ( s ) at this time. ( Ref : XXXX  ) I am not asking EQ to process and or to conduct further investigation the  inaccurate information on my credit file. I am asking EQ to Remove the inaccurate information from my credit file that is being reported. 
I have already investigated the inaccurate information with XXXX XXXX and requested XXXX XXXX to remove the inaccurate information from my credit file, and to date, I have not received a response from XXXX XXXX. All of my communications with EQ and XXXX XXXX are documented via Certified Mail Receipt ; I have proof the information being reported is not accurate and I presented the evidence to XXXX XXXX and EQ that the information is not accurate ; and to remove the information from my credit file.
Product: Credit reporting or other personal consumer reports

Please review my reports. I have requested that the incorrect information listed on my credit report to be removed and the creditors are refusing to cooperate.
Product: Debt collection

I was threatened by SUNRISE CREDIT SERVICE and told I needed to pay {$960.00} or the debt will stay on my report even after the statute of limitation. I contacted XXXX and disputed the information and requested that they validate the debt and they too have not responded with a legitimate Debt Validation Letter or Original contract. The company is non compliant and refuse to confirm what the debt is for or when it was opened.
Product: Debt collection

Well I have been a victim of identity theft and I 'm still is a victim I contact the agency and the credit breau to provied me document showing that the accout is minds the agent is Kay jewelers the credit breau is XXXX I want documents or have the account remove of my file if they ca n't provied document.
Product: Credit reporting or other personal consumer reports

On XX/XX/2021 I applied for a secured line of credit with XXXX XXXX XXXX put down a limit of XXXX dollars for 15 months I paid my card on time and accordingly. Unfortunately due to a string of tragic events I was unable to keep up with secured card balance. The institution XXXX XXXX then went on to place my account with months of late payments following a result of my account being labeled Charge- Off. I am aware the IRS clearly defines a Charge- Off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
Product: Credit reporting or other personal consumer reports

I have tried for 3 + days to log into my Experian account to review my record. Logging in requires passing a 2 step authentification process. This process is broken and the passcodes are not being sent and there is no work around. Thus I am not able to log into my account to get the info I want nor am I able to contact Experian to notify them, due to their automated phone tree that just hangs up on you.
Product: Credit card or prepaid card

My room mate moved out, after a bad argument. Her and I shared a joint XXXX account where both of my debit card info was in it. When she moved, she blocked me from the account without letting my delete my card info. Since then, someone has tried to login to my XXXX XXXX, and also made a XXXX account with my chime card. Than upon reaching out to her telling her I was notifying the irs and card companies that she has all my socials ( kids socials and my own ) and my card info, she than screenshotted messages receiving messages from my XXXX account with my chime info. Stating that I was trying to use her card, when I have the card in question in my wallet, in my name. But she tried to lie, and say it was hers. I have no idea how she was able to have my card info directed to her personal phone messages. She is on XXXX for XXXX and XXXX XXXX of two banks. She is claiming that Im the one using her cards, when I have proof that I have not made any purchases, or have any access to ANY of her cards! She also is still trying to claim my kids on her taxes,  when I specifically told her she does not have permission to do so. But she has all of my kids socials, birthdays, and even all of my information. She is a XXXX XXXX, so Im not sure to what length she will go. But I want to put a end to it now! I have reported both of my cards stolen, and even changed all my info on some other cards. I need some help please. Thank you so much.
Product: Money transfer, virtual currency, or money service

Hello my name is XXXX XXXX I am writing this complaint because I was trying to get a refund for my XXXX XXXX account ended up getting sent to a weird customer service to where they try to get my bank card information in my personal information they ended up getting ahold of it in a try to debit my account for {$600.00} {$990.00} On 2 separate transactions and the Remitly Is the company that he was using I have the actual receipts which I will send you a copy of the pictures snapshots of it I did not give him authorization whatsoever he completely lied to me it was completely botched and I had to cancel my debit card and file a report through fraud through XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XX/XX/XXXX my wife and myself both received an email stating my account with Experian via XXXX had been canceled. Because I know for a fact I did not cancel my account, I called the number in the email. It was an automated system. No live person. I tried several times and used all the options in the menu but to no avail. I went online and tried to sign in with my username XXXX and it gave me an error message stating to call a toll free number. It was a different number from the email but led me to the same automated system with no live operator. My account has been compromised and I can not get any help. I finally called XXXX and it got me to someone. I was told my account was locked out due to too many unsuccessful attempts. I explained that my account has been compromised because I received an email saying my account has been canceled and no one can tell me how this happened. We record all calls to collections or pertaining to debt. If i dont get a resolution on Monday, we are sending the calls and screenshot to the news. Just like my wife, I even tried to create a new account, and the same error occurred after it took my {$1.00}.
Product: Vehicle loan or lease

Records with the company will reflect numerous conversations regarding extra deductions from my account, several calls requesting car be started due to incorrect disabling. These problems occurred over the course of calendar year 2022.I was directly and blatantly lied to by customer service as well regarding trading in vehicle and refinancing for lower rate. Sent to dealership in XXXX GA, and advised by staff that would never occur. Finance manager at location further advised customer service for US Auto Sales was incorrect. Account sold to westlake, no information given.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and Im submitting this complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX  XXXX Balance Owed : {$560.00} XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$850.00} XXXX XXXXXXXX Balance Owed : {$760.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$500.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$260.00} XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card in my name and I have a Hard Inquiry on my Credit Report ( s ).

I spoke to TWO separate people on the phone with XXXX and they ASSURED me that they will take care of this. 

I spoke to a specific department that deals with this issues. I received a case number and was told " not to worry '' as they will investigate and remove the Hard Inquiry. Last lady I spoke to on the phone was very professional and knowledgeable- and she stated I will receive a confirmation letter in the mail stating that the issue has been taken care of however... 

Someone working in this department of XXXX XXXX XXXXXXXX had the audacity to send a letter stating this information is " correct ''. I guess I have to go to the local news .... 

I am in the process of repairing my credit and I would have never applied for a credit card, let alone an XXXX XXXXXXXX card when I live in florida. Also, the name that it was applied in is a format that I never use : " XXXX XXXX XXXX '' applying for credit cards. Case # XXXX with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report. I found two accounts that I didn't open XXXX XXXX XXXX account # XXXX, opened XX/XX/2023, {$880.00}, XXXX XXXX XXXX account # XXXX, opened XX/XX/2023 {$1100.00}. I have never been in contact with this company, never sign any documents in reference to these accounts. No one has contacted about these accounts. I believe this is mistaken identity or someone has stolen my identity and opened these accounts in my name. 

In Accordance with Fair Credit Act this company has violated my federally protected rights to privacy and confidentially under section 15 USC 1681. I am asking that this account be removed permanently.
Product: Checking or savings account

I contacted capital one - I received a Capital One debit card for a checking account I did not open. The debit card has my name on it and the card number is XXXX exp XX/XX/26. I contacted Capital One about this FRAUD and they stated they could not take any action. I wanted this account closed that is in my name that I did not open and Capital One refused to close it!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act- XXXX XXXX  XXXX Account number XXXX has violated my rights. 

15 USC 1681 Sec 602A states that I have the right to Privacy.

15 USC 1681 Sec604A Sec 2 also states that a consumer reporting agency can not furnish an account without my written instruction.