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

XXXX Data Breach XXXX XXXX, XXXX and Incorrect accounts on my credit report. I am a victim! 

A Huge security breach at credit reporting company XXXX has exposed sensitive information, such as social security numbers and addresses of up to 143 million Americans. THE BREACH HAPPENED IN BETWEEN MIDXX/XX/XXXX AND XXXX IS JUST NOW MAKING THIS PUBLIC XXXX XXXX, XXXX. 

Unlike other data breaches, those affected by the breach may not even know they 're customers of the company. XXXX XXXX XXXX XXXX is one of the three nationwide credit-reporting agencies that track and rate financial history of consumers. The company gets it 's data from credit card companies, banks, retailers, and lenders -- sometimes without me knowing and WITHOUT MY CONSENT! 

The data breach is among the worst ever because of the amount of people affected and the sensitive type of information exposed. My personal information was exposed including my social security number, date of birth, credit card numbers, addresses, phone numbers, and dispute documents. 

XXXX has confirmed and claimed that as many as 143 million people in the United States were hit. Others in the XXXX and XXXX were also impacted, but XXXX has n't said how many. Credit card numbers for about 209,000 U.S. customers were compromised, in addition to " personal identifying information '' on about 182,000 U.S. customers. 

I have been disputing incorrect accounts on my credit report since XX/XX/XXXX and XXXX did not notify me in the mail stating that my personal information and dispute records were breached. XXXX jusst informed the public XX/XX/XXXX when this unauthorized and breach happened in midXXXXXX/XX/XXXX XXXX  confirmed and claimed that the criminals " exploited a U.S. website application vulnerability to gain access to certain files. '' The company has n't clarified who is behind the data breach, but noted that an investigation is ongoing. 

XXXX is proposing that i sign up for credit file monitoring and identity theft protection for one year. Doing so by signing the proposal and service voids my participation in a class action lawsuit. I will not consent or sign anything XXXX has to offer. The company operates in fraud and my reasons are the following : 01. IT WILL LOCK ME INTO BINDING ARBITRATION CLAUSES IN THE AGREEMENT 02. ENTERING INTO THAT AGREEMENT WILL LIMIT MY REMEDIES 03. ARBITRATION IS ONE-SIDED WHEN IT COMES TO BIG COMPANIES 04. ARBITRATION TAKES A LONG TIME 05. ARBITRATION ALLOWS XXXX TO MANIPULATE THE PROCESS 06. MY DATA WAS BREACHED AND EXPOSED I CAN SUE XXXX FOR A SUBSTANTIAL AMOUNT OF MONEY. 
07. WHO HAS MY DATA NOW AND AFTER THE BREACH? XXXX DOES NOT KNOW! 

As a Secured Party Creditor I will be filing the following against XXXX : AN ADMINISTRATIVE CLAIM FOR DAMAGES, A TORT CLAIM AND COMMERCIAL LEIN AND THE ONLY WAY THE LIEN CAN SATISFIES IS : TO PAY IT! OR A TRIAL BY JURY. XXXX DOES NOT A TRIAL BY JURY! THIS IS WHY THEY WANT ME TO ENTER ARBITRATION.
Product: Debt collection

I want this account removed from my XXXX  credit report immediately. This is not my account
Product: Debt collection

Received letter from HUNTER WARFIELD debt collector XX/XX/XXXX saying owed over 3500.00, called and spoke to XXXX who stated I need to file id theft with FTC and submit along with id copy, police report number etc. as I never rented any property, letter had address of XXXX XXXX and he supplied a XXXX XXXX address, both of which have no idea what is and he stated for past due rents/fees and I advised have never rented and do not know what addresses are. 
XX/XX/XXXX, Received another letter, without all info requested per FTC, only a copy of a lease agreement from a XXXX, with several people listed along with name same as mine only different middle name! They could see as inquired on credit, sent id etc, that is not me, yet still want me to pay a debt for these renters unknown to me and obviously not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX  XXXX XXXX XXXX Owed : {$2600.00} ; XXXX XXXX  XXXX XXXX XXXX Owed : {$3500.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$9400.00} XXXX XXXX XXXX XXXX Balance Owed : {$5700.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX Owed : {$13000.00}.
Product: Money transfers

I sent {$30.00}. to a friend in XXXX via western union on XXXX/XXXX/2015 from home using my XXXX. The charge was processed and I received a pop ip saying the transaction was being held for review. The funds are still held up and its been 12 days. I have e-mailed WU 3 times asking to either release or resend the funds back to me and they ignore my request. I have called them and still no satisfaction. My friend went to the WU office 3 times to collect the funds and was told they were being processed. After 30 days you cant get the funds back. I want my money put back into my bank account where they got it. I have sent money via WU many times and have a gold card with them and I have never received this kind of treatment. I was charged for money in minutes and do think I am due a refund of this charge. Transaction # XXXX
Product: Debt collection

This company is in violation of several consumer laws under the FCRA. My information was sold to a third-party whom I have no contract with. I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. I will be seeking the sum of {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. Please provide me with the following : 1. The original contract signed by both the original creditor and myself.

2. A detailed, itemized bill that outlines the charges and fees associated with the alleged debt.

3. The complete bookkeeping entries by GAP ( Generally Accepted Accounting Principles ) that document the history of this debt, including all credits, debits, and payments.

4. Please provide a copy of the forward flow agreement 5. Please also provide a copy of the chain of assignment
Product: Debt collection

said that I owe about XXXX but they will resolve my debt for XXXX  I asked for a letter stating our agreement before I pay and they said that is not possible I have to take her word and all calls are recorded and she can not send out emails there is one person that sends out emails and that s after you have paid I will not pay a single XXXX until I have it in writing that I owe this money and where it is going to
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 XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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 XXXX 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: Debt collection

I had a payment plan with Klarna that was sent to a third party collection agency and account was settled for less than what was owed!!! Klarna is still trying to collect full amount of the debt and make me pay the difference even though I paid settlement amount via collection agency and I sent them proof of the payment settlement
Product: Debt collection

WELL PNC BANK IS REPORTING A NEGATIVE ACCOUNT ON MY CREDIT REPORT WITCH ACCOUNT VIOLETS THE FCRA
Product: Debt collection

was not given any notice regarding this debt, therefor unable to verify its validity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Dispute was filed with XXXX Credit Reporting Systems and Experian about erroneous / incorrect credit reporting from Merchant XXXX XXXX XXXX to the aforestated credit reporting agencies. On or about XXXX XX/XX/XXXX I totaled out my automobile that was financed through XXXX XXXX XXXX Account Number XXXX. ( Title and Lien Holder ) Motor vehicle was deemed totaled by XXXX XXXX XXXX whom I was insured with. Vehicle was paid off in full by XXXX Insurance Company. Check was issued on XXXX XX/XX/XXXX to XXXX XXXX XXXX in the amount of {$5200.00} which was the agreed amount to completely pay off the motor vehicle. After accepting the check, from XXXX, XXXX XXXX XXXX continued to report in error this account for several months. XXXX XXXX XXXX at first closed the account on my credit file with XXXX and Experian and erroneously reported that I owed them {$710.00}. On XXXX XX/XX/XXXX I received a copy of my Experian and Experian, and XXXX Credit Report which revealed that XXXX XXXX XXXX re-opened the credit account to display the account was opened and a now a new balance of more than {$1000.00} was owed to them. On XXXX XX/XX/XXXX Dispute letters was sent out to both credit reporting agencies, and to XXXX XXXX XXXX disputing the account as being reported in error, and requested that the original contract be verified to include my signature that I agreed to the amount being stated that I owed after check was sent as the agreed payoff amount. Approximately 45 days later, Credit reports from both Experian and XXXX  is still reporting the same erroneous account on m credit files. Both Credit Agencies, and XXXX XXXX XXXX refuse to delete the account from my credit files or correct the account as being paid in Full and account closed. I'm you to intervene on my behalf to correct this erroneous reporting, and bring positive resolution to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act my rights have violated. 

15 U.S.C. 1681 A states I have a right to privacy. 

15 U.S.C. 1681 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction. 

I requested this account to be updated over 2 months ago and have been ignored by the reporting agency. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # XXXXXXXX XXXX XXXX ), account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ), account # XXXX ( XXXX ) and account # XXXX ( XXXX ) has violated my rights. 

15 U.S.C. 1681 sec. 602A states I have the right to privacy.

15 U.S.C. 1681 sec. 602A sec 2 it also states a consumer reporting agency can not furnish an account without written instructions.
Product: Debt collection

I am being contacted by a debt collector with whom I have no prior agreement or credit relationship. I have sent two certified letters requesting proof of a contractual agreement between the debt collector and myself, as well as proof of their legal right to process and use my personal information. Both times, they responded with a bill from another company, which does not satisfy my request for validation.

I have also contacted the original creditor twice regarding this matter and have not received any response. The accounts in question were removed by the original creditor as a charge-off. Additionally, I requested a Form 1099-C from the original creditor for any canceled debt, but I have not received this document.

I am requesting the CFPBs assistance in resolving this matter, as my attempts to obtain proper validation and documentation have been ignored.
Product: Mortgage

Requesting assistance in recouping {$4100.00} that was erroneously withdrawn ( stolen ) via our escrow account on XX/XX/2022. We have exhausted every personal effort to resolve this matter beginning XX/XX/XXXX to current with Mr. Cooper ( mortgage company, but are not getting anywhere. 

My wife and I are both military service members, and we were fortunate to purchase a new home last XXXX from XXXX Homes using her VA Loan. At closing we opted to impound a little over $ XXXX into our escrow account that was serviced initially through XXXX Mortgage ( See attached Escrow Closing Doc ). 30 days following closing our account was sold from XXXX Mortgage to a mortgage company that goes by the name of Mr. Cooper. 

On XX/XX/2022 they removed {$4100.00} from our escrow without authorization and/or notification. They have been unable to provide cause for removal or tracking regarding where the funds were placed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax and revealed my complaint about not having this vehicle. I requested them to prove the signatures on the contract loan if any. I also see that the company has shifted to another company by the name of XXXX XXXX. I need this item removed from my report immediately. I have included the letter with all the necessary information.
Product: Debt collection

I got a derogatory remark on my XXXX credit report posted on XX/XX/2015. My brother took me to go get him a loan with XXXX XXXX and couldn't get approved so we use my social, my brother got on a really unstable situation and wasn't able pay the loan. He did not tell me anything so I was unaware. However, I was never notified about this debt and never received a bill, I don't have no account number or anything to fix this problem. I would like to address this immediately and either pay this debt or get this negative remark removed from my report.
Product: Money transfer, virtual currency, or money service

I am trying to pay my rent with Venmo. My Venmo account is verified. I have 2 bank accounts linked. I am however no longer able to send funds from my primary account. It simply gives me an error that says " Payment Declined. Please try again. ". 

Venmo says this is due to their algorithm believing it is a fraudulent charge. They offer no support and no way for me to verify the transaction. I am a legal and legit users. 

Venmo is such a big part of our society these days, and this is effectively preventing me from being able to make many digital purposes. 

It is unacceptable that Venmo wants to be considered a legitimate financial institution, but can't resolve simple issues like that. 

Please help me! 
Thanks, XXXX
Product: Credit reporting or other personal consumer reports

i, XXXX XXXX have never had any account or business or products with ava this isnt mine and my information was exposed in data breach and people have been using my information. this needs to be removed from my credit file on all reporting agencies immediately
Product: Credit card or prepaid card

I was making my payment for capital one and my due date was XXXX 2023, they told me i was late since the cut off was XXXX oclock even though i was making the payment on the same exact date of XX/XX/ 2023, they will charge me XXXX dollars, i think this is illegal of doing that, i think that was a misleading practice. not only that, that will affect my credit score as well, it will be notice as a late payment. Capital one is misrepresenting his customers by making it hard for their customers to make their payment on time .They should not be a cut off time to make a payment.
Product: Credit card or prepaid card

I had a TD Business Visa card. I canceled it on Monday XX/XX/XXXX. Prior to this I received a letter in XXXX stating that they have been trying to call me to no avail. ( I have received 3 more letters like this ) I was on vacation and there was no message on my telephone upon return. I look on line to see my balance and wonder what they're calling about because I really don't use the card and was planning to cancel it. To my amazement there are charges of almost $ 50K on the card including on XX/XX/XXXX payment reversal of {$27000.00}, on XXXX {$30000.00} payment reversal XXXX payment received, XXXX payment received XXXX XXXX {$3200.00} and another charge for {$950.00}. and list goes on. I called the fraud department immediately and no one seemed to be too concerned. They said someone would get back to me in 24-48 hours. I called after 24 hours and they said 24-48 hours didn't mean days it meant business working hours 3-6 days. Then they asked me if I wanted a new card. I said no I needed to get this resolved. They said they couldn't do anything because they couldn't verify who I was and that I needed to go into a branch. They then said that they just issued 7 new cards ( This was a business account ). I went crazy and ran down to the branch. The customer service rep at the bank could not believe they sent me there and I had her call the fraud line and she couldn't believe what they were telling us. I asked that they cancel all cards and put a freeze on the account ( which they had told me they had done when I called twice before ) as long a I would get something in writing. Today I receive two letters one dated XX/XX/XXXX that said account closed and cut up card but I am still responsible for account balance and future charges. The other letter I received today ( XX/XX/XXXX ) says that I agreed to use the TD Credit card in compliance with ... Unfortunately they're revoking my charging privileges effective immediately for failure to comply.Signed by a senior vice president and then it says this is an attempt to collect a debt. Please help me. My husband and I are upstanding members of the community with a FICO of over 800. The last thing I remeber doing is requesting a credit which I received and when I wanted to cancel they mentioned that I had points and I should use them before I cancel the card. 
Another strange thing happened. I received a call from XXXX asking if I had requested a credit card be delivered to a XXXX XXXX in XXXX XXXX Florida. I said why would I do that? The person said that was why she was calling. Shocked I didn't ask for name incident number. I asked what credit card it was and she said she could not tell me and she would notify the issuer. I do not know if this was ever done, which card was it also part of the scam?
Product: Debt collection

1. Conserve collection agency alleged I owe {$5900.00}, this information is inaccurate and not validated. 
2. Conserve Collection Agency fail to contact me about alleged debt before reporting the debt on my credit file with the 3 major credit bureaus ( XXXX, XXXX  and XXXX  ). 
3. Conserve Collection Agency failed to respond to my validation request letter within 30 days of receiving it. Return receipt and certified mail received and signed by conserve collection on XX/XX/XXXX. Under both State and Federal consumer law I have the right to have my debt validated, while CONSERVE Collection is  obligated to respond within the statutory time limit. 
4. I sent a follow up debt validation letter on XX/XX/XXXX, as a reminder to Conserve Collection Agency with no reply as of date. 
5. CONSERVE COLLECTION AGENCY reported invalidated information to the 3 major credit bureaus ( XXXX, XXXX  and XXXX  ) this action might constitute fraud under both Federal and State Laws. 
6. Conserve Collection Agency is legally obligated not to report a debt that has not been properly validated to any of the credit bureaus.

7. Conserve Collection requested for copies of my credit report file from the credit bureaus without my consent or permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 


Despite my previous 2 written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request.

I hereby request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX - XXXX XXXX XXXXXXXX Balance : {$7400.00} XXXXXXXX XXXX XXXX Balance : {$2500.00}