23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am the victim of identity theft. 4 years ago, I discovered this when I was purchasing my 1st home. All the fraudulent accounts went to collection, and I had to file a police report and send all of my identifying information to all 3-credit bureau 's which included my drivers license, my professional work license, my social security card, my birth certificate, and a utility bill. Each time a collection company tries to reach out to me I inform them of the identity theft. Unfortunately the companies just sell the information to another collection agency. On XX/XX/22 I received an alert that there was a collection on my credit file. I immediately reached out to the company who stated a debt was owed for {$260.00} dollars but was not in my name the debt has my 1st name XXXX, but a different last name " XXXX XXXX '' a name I have never went under. My name is XXXX XXXX, I have never went by the name XXXX XXXX. I made this company aware of the identity theft and using a fake last name with my social security number. This company has never reached out to me before they flagged my credit report. I have reached out again to all 3-credit bureau 's again and reported this account as fraud. The representative was rude and dismissive and ended the phone call with me. I do not owe any current debt with this company. I asked the representative who the original debtor was so I could reach out to them to inform them that this account was open under fraudulent premises, but she would not let me know and ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/XXXX, I noticed a fraudulent charge on my XXXX XXXX at a XXXX XXXX in Oklahoma for {$870.00}. I 've never been to Oklahoma, so I knew this charge was obviously fraudulent. I called and had the charge removed, and was issued a new card. This is the first time I 've ever had that happen to me. I received a call from XXXX on XX/XX/XXXX asking a follow-up question about the charge. I called back on XX/XX/XXXX, and they asked if I knew a " XXXX XXXX '' to which I said " No. '' On XX/XX/XXXX, I learned about the Equifax hack, and that the two may be connected. On XX/XX/XXXX, I checked www.equifaxsecurity2017.com to see if my information was impacted, which it was. On XX/XX/XXXX, I checked my credit report through XXXX, and placed a 90-Day Fraud Alert with the three credit-reporting bureaus, through XXXX. I plan on submitting an IRS Form XXXX, and enrolling in Equifax 's TrustedID Premiere before the enrollment period ends on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate information regarding an alleged late payment. We were never late on this account. I have disputed this information with XXXX XXXX XXXX and they have claimed to verify the information as accurate. However, I was able to locate the agreements signed by an account representative of their company which moved the seasonal payment due date and receipts and confirmation numbers showing we continued to make our regularly scheduled payments during this time. The seasonal payment is a flexible payment that is contingent upon when customers receive their tax returns back from the federal government, in which consumers have no control over. A payment can not be late is the due date is modified in writing by a representative of this company. XXXX XXXX XXXX continues to report this inaccurate information despite my dispute, and efforts to bring a duty to report information accurately per the Fair Credit Reporting Act to their attention. I have disputed this information with the Credit Bureau, Experian, as well who has also claimed to verify the information as accurate when in fact it is not, and the enclosed records provided to both companies proves this. However, they continue to report this inaccurate information in violation of my consumer rights under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I was reviewing a copy of my credit report and notice there where some fraudulent account that do not belong to me as this account is not mine and is affecting me to obtain credit I would like this account removed as soon as possible XXXX XXXX XXXX
Product: Debt collection

I was told that if I pay the collection, I could get approved for an apartment, but now I'm stuck unable to find an apartment and apparently will be stuck for another 5 years. I can't wait that long. I requested to have it removed bc it shows up as unpaid even though it had been paid in full and they won't do anything.
Product: Credit reporting or other personal consumer reports

several credit checks were done by credit karma and fraudulent accounts were open on my behalf. 
when I contacted credit Karma they said not to worry that soft hits didi not affect my credit but the reality is someone opened an account in credit karma with an email that does not belong to me XXXX or has ever been associated with me checked my credit report on multiple times : XXXX and XX/XX/year> I recently learned that someone opened a business account with XXXX which is also fraudulent. 
Credit Karma should verify emails before opening an account and at least XXXX factor authenticators with true information form the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I purchased a XXXX XXXX XXXXXXXX XXXX from XXXX XXXX XXXX in XXXX, XXXX At the time of my purchase I already had financing to purchase and without my consent the Sales Manager requested financing, resulting in a hard pull to my XXXX score, with XXXX institutions that I did not authorize to do so. This was after the conversation between myself and the sales person advising of the financing I already obtained for the purchase of the car. Regrettably, it wasnt until the next morning that I was made aware by XXXX and the other credit reporting systems I use of the inquiries made by XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, Towne Bank, XXXX XXXX and XXXX XXXX XXXX XXXX making hard pulls to my credit the previous day. I followed up with XXXX XXXX and they provided me with a letter stating that the inquiries we not accurate and should be removed from my report due to their error. I submitted a request to XXXX through the online website to dispute and less than 24 hours they stated it was accurate and would leave them on my credit report for 2 years. No proper investigation was done nor was I asked or able to provide the documentation to support my request to have those inquiries removed. Today, XX/XX/2022 I called into XXXX to resolve the issue and instead of being assisted I was transferred back to the automated message at the start of the call. Prior to me being transferred back, the representative advised Id speak to a supervisor and that 3 of the companies had retracted their pull. However their report states otherwise. I requested documentation to show proof of those inquiries being deleted and the representative refused to comply.
Product: Mortgage

I have tried to get a loan modification from Bank of America since XX/XX/XXXX. I have submitted all documents for a complete loan modification packet. I was always working with them and always tried my best to give them everything they needed. They now have a complete packet but I still have a sale on my property tomorrow XXXX. I 'm worried that Bank of America will not cancel my sale on my property. I have a feeling they playing game with me saying they did not have the documents but they indeed did have them, they said they just overlooked them that 's all which now has prolonged the loan modification review for couple of days more. I do n't know what to do at this time but my worries are still very high. I know they will be in violation of the XXXX Bill of Rights Act if they do proceed with the sale tomorrow. 
Also how much longer will I have to worry and play their games to get the loan modification? I believe they are prolonging the process so that the interest and nonpayment of mortgage loan and fees will grow add up to the point where I would not be able to do anything and will owe more money.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Transunion are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX ACCT # XXXX, XXXX XXXXACCT # XXXX, XXXX ACCT # XXXX ) are a financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX, XXXX XXXX, XXXX ) the financial institutions and the Consumer reporting agencies XXXX, XXXX and Transunion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and Transunion, ( XXXX, XXXX XXXX, XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX, XXXX XXXX, XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) Further states '' Except as authorized under subsection ( b ), 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. '' These accounts are an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Transunion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX  Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 has violated my rights.

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
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an apartment on XX/XX/XXXX. I denied the due to an eviction. The eviction was filed in my bankruptcy case XXXX. There no public records about the eviction.
Product: Checking or savings account

I advised US bank that fraud occurred on my account on XX/XX/21. They have yet to provide credit or resolution. I have spoken with them multiple agents. Have been provided incorrect information several times as it relates to the timeframe that credit or resolution would be completed. They charged fees for the transactions which had a negative impact on me. The withholding of funds has also had a detrimental effect on my self and family.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach and is now on the black web as well. now my credit report is saying it was compromised Reach out, XXXX XXXX XXXX, XXXX XXXX XXXX, and a few uavailable, black web.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer XXXX XXXX have unauthorized inquiries present on my consumer report that originated from identity theft. 15 usc 1681c-2 states that consumer reporting agencies must block and remove inquiries related to identity theft. Unauthorized inquiries include : 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 XXXXXX/XX/XXXX
Product: Checking or savings account

Citibank has taken money from my savings account on various occasions without my authoriation. XXXX, XXXX and XXXX. Specific instructions were give for the XXXX and not followed. XXXX and XXXX were never authorized by me to be taken for a bill pay which i have always paid on my way to citibank. The XXXX was specifically instructed to the representative of citibank to be transferred to a new account i opened with a didferent bank. She decided to transfer it to my checking account at citibank because it was overdrawn by citibank themselves by processing a payment from an account that had no money in it. Citibank has also taken XXXX from my savings to even out an overdraw from a fraud situation. No authorization was given to citibank for these transactions to occur.
Product: Credit reporting, credit repair services, 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 USC 1681.

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 an 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 1681 s-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. 

XXXX XXXX ACCOUNT NUMBER- XXXX
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I hope this message finds you in good health. I am writing to appeal the permanent limitation placed on my PayPal account, which is associated with the email address XXXX. I strongly believe that this limitation has occurred due to a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

I have been a loyal PayPal user for an extended period and have consistently adhered to PayPal 's terms and conditions. Maintaining a positive and trustworthy relationship with PayPal is of great importance to me, and I am fully committed to resolving any issues or concerns that may have led to this unfortunate situation. 

I kindly request that PayPal conducts a thorough reevaluation of my case, carefully examining the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. The reinstatement of my PayPal account would not only alleviate the current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If there are specific documents or details required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax I am writing to formally request the immediate deletion of a fraudulent account that has been opened in my name. The details of the account are as follows : I discovered these fraudulent accounts and believe they were opened without my knowledge or consent. I am a victim of identity theft, and I take this matter very seriously.

To support my claim, I have attached the following documents : 1. A copy of my government-issued identification 2. A copy of a FTC report filed regarding identity theft 3.Social Security card 4. Utility bill I kindly ask that you conduct a thorough investigation into this matter and remove the fraudulent account from your records. Additionally, I would appreciate receiving confirmation of the account 's deletion and any steps taken to ensure my personal information is protected. 

Thank you for your prompt attention to this matter. If you require any further information or documentation to assist in the investigation, please do not hesitate to contact me using the information provided above. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently looked at my XXXX XXXX XX/XX/XXXX. I noticed there was a lot of inquries I have no clue what they are and never applied for. I feel these were all fraud as to my knowledge I never asked any of these companies to run my credit. They were not authorized by me. I would like all of the following to be removed from my credit report through any reporting agency. I never signed any documents or heard of some of these companies. XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I have shown pictures below. Under the fair credit reporting act 609 you will see none of this stuff is accurate. Thank you for your time and hopefully all this can be fixed as I am trying to fix my credit and have accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax has always had my name correct at one point XXXX did also until 2 years ago they start reporting my name incorrectly and no amount of proof of my identity is satisfactory to XXXX I just want my rights to stop being ran across I would like to get and keep a good job but with XXXX reporting my name incorrect makes companies think I am a fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

on XX/XX/year> i sent a letter to XXXX, XXXX, Equifax requesting them to remove ALL names and addresses that is not mine exact name on my driver license and non deliverable addresses. As of today XX/XX/year> it still have NOT been removed. 
**** ACCORDING TO FCRA IT IS ILLEGAL TO REPORT INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION ***The Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. While there are three national CRAs in the United States ( XXXX, XXXX, and Equifax ), private investigators, detective agencies, collection agencies, inspection bureaus, companies that sell information to insurance companies and assist in performing background checks, and college placement offices have been deemed to be CRAs under the law. CRAs compile what are called consumer reports, meaning any written, oral, or other communication of any information by a CRA bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. See 1681a. 

Federal, state, and municipal law enforcement agencies may obtain basic identifying information ( name, address, former address, employment ) on any consumer through a CRA. See 1681f. If they want more detailed information provided in a consumer report, however, they generally must seek a court order or subpoena. See 1681b ( a ) ( 1 ).
Product: Checking or savings account

In XXXX of XXXX, I filed a dispute with my bank State Employees Credit Union of NC. I booked a hotel stay at the XXXX XXXX XXXX ( phone number XXXX ) in XXXX. The hotel over charged me in the amount of XXXX on XX/XX/XXXX for a two night stay ( reference number for the folio : XXXX. I was charged XXXX on XX/XX/XXXX. I tried to dispute the charges with the bank and the hotel but the claim was denied. I sent records of the checking statements and the hotel folio.The total amount for the stay was XXXX. 
State Employees Credit union dispute number:XXXX Phone number : Email : XXXX I also filed a complaint with the XXXX XXXX XXXX XXXX . I was told the VP of State Employees Credit union doesn't think I have a claim. 
Case Number for the XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and the company in question failed to truthfully validate an account, it was removed from credit report. However the account was reinserted without the required 5 day notification per law. My consumer rights have been violated and Im given the opportunity to file suit against Transunion unless the account in question gets taken back off my credit report. 
Account : XXXX XXXX  ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.