23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Identity stolen and utilized to open a checking account with TD Bank. Received an email at XXXX on XX/XX/ thanking me for opening a XXXX XXXX account in my former legal name. I legally changed my name via court order in XX/XX/XXXX  prior to the identity theft. I called the TD Bank identity theft hotline, provided my SSN and name and other identifying information. 

Support could not provide me with the account number or any other information, but said I would be contacted via an investigator. Support was not able to verify whether or not they were closing the account immediately. Support was not able to offer a timeline for when the investigations team would contact me. After doing some research online, it appears that this situation is very common with TD Bank. 

Other consumers who have had this issue with TD Bank stated that TD Bank never conducted a thorough investigation into the identity theft, and never followed up. I was encouraged to submit this complaint in the hopes that TD Bank would follow through with my investigation.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Product: Credit reporting or other personal consumer reports

I have disputed XXXX accounts on my credit report there is weird names under my personal information some addresses under nothing about everyone in XXXX literally theyre Social Security number went to the dark web, and I came in afford to buy a car. I have been on the phone with Experian way too much of my time for this not to be taken care of every time I dispute within XXXX hours they have an answer and it never changes. How are you disputing my stuff within XXXX hours be for real
Product: Debt collection

This company has engaged in intimidation tactics and harassment, as well as violating the Fair Debt Collection Practices Act. 

They started contacting me on XX/XX/XXXX using a 3rd party called XXXX XXXX XXXX. This 3rd party contacted my brother as well on this day. Both messages mentioned that a civil suit was scheduled to be issued in XXXX county. Asking me to contact XXXX XXXX XXXX. 

XXXX XXXX XXXX contacted again on XX/XX/XXXX asking me to get contact XXXX XXXX XXXX regarding a pending civil suit scheduled to be filed out to XXXX county. 

The advocate program, I'm assuming another 3rd party contacted me on XX/XX/XXXX for an upcoming appearance in XXXX county. They apologized and said the suit is still going through tomorrow. They asked me to contact XXXX XXXX XXXX. My brother was contacted again and my mother was contacted for the first time. 

The advocate program contacted again on XX/XX/XXXX for an upcoming appearance in XXXX county. They apologized and said the suit is still going through Monday morning. They asked me to contact XXXX XXXX XXXX. 

XXXX XXXX XXXX, I'm assuming is XXXX XXXX XXXX contacted me on XXXX for a case that their office is handling that is pending litigation. If they didn't hear from me by end of day they would mark as an intentional refusal to comply. If I refuse to contest the allegations a default judgement will be filed without my consent. They contacted my brother again, my mother again, and my father. My mother did answer this call to ask them to stop calling and they discussed details of the alleged debt with my mother. 

This company has shown a pattern of intimidation by threatening litigation and a cilvil suit for over 2 months. This has caused me emotional distress. 

They have violated the Fair Debt Collection Practices Act by contacting my family members multiple times and discussing details of the alleged debt with my family. 

Cease and desist mailed XXXX.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in unreasonable FDCPA activities that the law bans. They provided this account, which we couldn't agree on and I didn't sign an agreement on. A valid contract is signed by both parties.I will not take part in any of it. They did not follow the correct XXXX Validation method. According to the FDCPA, I am entitled to be compensated for these acts, which obviously infringed and exploited my rights and privileges. I demand that this account be taken off immediately.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

I have noticed that Chase Card have placed an inquiry on my XXXX  and XXXX   credit file dated XX/XX/2018. When i was aware of this i contacted both Credit Bureaus and was told by the fraud team they cant dispute unauthorized hard inquiry 's. 

As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

Both XXXX  and XXXX report that you pulled a hard inquiry. 


Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; '' You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law -- performing a " hard inquiry '' on my XXXX  and XXXX   file without my permission. I do hope that we can settle this matter amicably. 

You can remove the inquiry within one ( 1 ) business day of the receipt of this notice. Or, we can meet in court where you will end up removing the inquiry, paying me the civil liability fine, punitive damages for my score drop, plus court and attorney fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below MUST BE REMOVED IMMEDATELY! I filed a complaint with each credit bureau, local law enforcement and the XXXX about the false reporting of accounts in my name! I also found the identity theif 's name and info and submitted it to law enforcement. Yet these accounts are still on my credit. The accounts listed here do not belong to me : 1 ) XXXX XXXX XXXX XXXX   {$1000.00} Opened XX/XX/XXXX XXXX ) XXXX Consumer {$11000.00} Opened XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} Opened XX/XX/XXXX XXXX ) XXXX XXXX   XXXX {$240.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted credco  in regards to three hard inquires that were pulled by a company called XXXX XXXX the company did their investigation and found out that it was not accurate information it was not factual information nor did the company have my permission nor did they have my consent to pull my credit. I am a credit fraud victim I have a security alert and freeze on all 3 bureaus. A few months ago I asked credco to remove the three inquires on my account they did their investigation and in XXXX they found out that they were supposed to be removed. The company never notified XXXX  XXXX and XXXX. I have since then contacted them with updates in regards to why they have not removed this on all three credit bureaus this is not a factual report this will not stay on my credit for 2 years, this has damaged my credit by 15 points 5 / points per pull I am now legally requesting  that credco has the hard and choirs all three removed within 30 days or I will seek legal action in a court of law, credco  has a very poor customer service and extremely rude customer service they refused to help me and they have refused to remove all three credit inquires from my account they claimed that they are reopening another investigation on to see why they were not removed since then I have contacted all three credit bureaus and every single one said they were not contacted with an electronic message for deletion credco also refuses to show me a copy of proof of deletion they failed to give me any type of proof that it was removed that they are removing it and it has been requested to be removed I've asked 3 times for copies for proof of deletion so this way I can send the credit bureau a actual copy however the company refuses to give me this information as of today they have 30 days to remove all three Harden choirs that were already investigated and I was found innocent and they were wrongful credit inquiry pulls should all three inquires not be removed within 30 days I XXXX and will seek Financial reimbursement and legal repercussions for failing and refusing to delete all three records that are not factual I will wait 30 days as of today
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of urgent concern regarding my account with your company. It has come to my attention that there are several fraudulent items present on my account statement, and I am requesting immediate action for their removal. 

Upon reviewing my recent account statements, I noticed several transactions that I did not authorize or recognize. These transactions include [ describe fraudulent transactions with dates, amounts, and any other relevant details ]. It is evident that my account security has been compromised, and I am deeply troubled by the presence of these unauthorized charges. 

I have taken the necessary steps to report these fraudulent transactions to your customer service department, providing all relevant information and documentation. However, despite my efforts, the fraudulent items have not been removed from my account, and I am increasingly concerned about the impact on my financial well-being. 

As a loyal customer, I expect that my account is protected against unauthorized access and fraudulent activity. The presence of these fraudulent charges not only undermines my confidence in your company 's security measures but also poses a significant inconvenience and financial risk to me. 

I urge you to prioritize the removal of these fraudulent items from my account and to take immediate steps to enhance the security of my account to prevent any further unauthorized activity. Additionally, I request regular updates on the progress of your investigation and efforts to resolve this matter. 

Please provide me with a clear timeline for the resolution of this issue and any steps I need to take to expedite the process. Furthermore, I would appreciate compensation for any fees or charges incurred as a result of these fraudulent transactions. I am asking for your assisstance to remove these fraud items in my credit file : 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
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$59000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I noticed that my credit was very bad and continued to go down. Then I contacted the only bank ( XXXX ) that has credit cards and they told me that I had a credit card with Bank of America, so I immediately went to the place but the person who helped me checked and said that I did not have any account or credit card with Bank of America and they gave me a number to make a call to credit cards so I made the call but since I did not have the credit card number they could not assist me by phone.. On XX/XX/2023, I went to the XXXX XXXX again and they informed me that I had related accounts in my credit bureau that I did not know about, so they told me to make a call to XXXX, XXXX and XXXX to report identity fraud. which is why I already made said report. 
Fraudulent Accounts : 1. Bank of America 2. Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They continue to call and email, and threaten to jay me sued, arrested if I do not pay ( mercantilesolutions.com )
Product: Credit reporting or other personal consumer reports

I dispute this Equifax-reported collection from XXXX XXXX XXXX XXXX original creditor : XXXX XXXX XXXX  ) based on the following violations of federal law : LEGAL GROUNDS FOR DISPUTE : XXXX. INVALID DEBT COLLECTION PRACTICES ( 15 USC 1692e ) - No signed agreement exists with XXXX XXXX - Only possible signature was an emergency room digital pad - Collection agency can not produce valid proof of debt - Dates on collection have been altered multiple times, violating FDCPA Section 807 ( 8 ) regarding false representation of debt XXXX. HIPAA VIOLATIONS ( 45 CFR 164.502 ) - Protected health information disclosed without authorization - Violation of HIPAA Privacy Rule 45 CFR 164.508 requiring specific authorization for disclosure - Medical information shared with third parties without valid consent - No evidence of Business Associate Agreement allowing information transfer XXXX. XXXX XXXX XXXX  ( Restatement ( Second ) of Contracts XXXX ) - Contract formation during medical emergency is void - Signatures obtained under duress are not legally binding - Emergency Medical Treatment and Active Labor Act ( EMTALA ) protections apply - No capacity to form valid contract during medical emergency XXXX. FCRA VIOLATIONS ( 15 USC 1681 ) - Equifax failed to follow reasonable procedures ( 1681e ( b ) ) - Reporting information known to be inaccurate ( 1681s-2 ( a ) ( 1 ) ) - Failed to properly investigate dispute ( 1681i ) - Continued reporting of unverifiable information RESOLUTION REQUESTED : Immediate removal of this account from credit report as it is invalid and unverifiable under FCRA 1681i ( a ) ( 5 ). This account should be deleted as : - No valid contract exists - Collection violates HIPAA Privacy Rules- Any alleged agreement was obtained under duress - Documentation contains material alterations - Collection agency can not provide original signed agreement I am submitting this under " This is not my account/I am not responsible for this account '' as I never established any valid contractual relationship with this collection agency. The fact that dates have been altered on this account further supports this position and suggests potential violations of FDCPA 807 regarding false representation of debts. 

And I just noticed that XXXX describes themselves as the original creditor which is not true.
Product: Checking or savings account

I received 4 NSF fees from Bank Of The West, I was never notified by text or email that my account was over drawn.
Product: Credit reporting, credit repair services, or other personal consumer reports

Goo day, In regards to my credit an error has been created due to Trans union credit reporting or XXXX XXXX XXXX XXXX. 

On the XXXX of XX/XX/2020 my credit report was correct. On the XXXX of XXXX my credit report showed from XXXX XXXX an account that my account was closed and a new account opened with no activity on it. 

That error dropped my score 115 points. 
Previously I paid off accounts and paying on accounts to establish my credit worthiness. 

The errors are now taken off my credit report but my score is still down 100 or more points. This issue is effecting me due to someone error. Trans unoin b lame XXXX and XXXX blamed transuion for this error. 

Attached are documents to reference my claim. Please can someone assist me in this issue.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX. I'm writing to share my concerns about several issues I've encountered with the credit bureau. These include incorrect account listings, inaccurate credit reporting, inconsistent billing, and accounts that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft, XXXX XXXX and XXXX XXXX  has fraudulent accounts on my credit report that needs to be remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in a abusive on and off relationship and I walked away for good, from this relationship, years ago. And every time I would leave this person would offer money and credit cards to come back. I didn't accept them and now I find two Authorize user credit cards showing on my credit report, as bad charged off debt. I have never applied for in person, over the phone, online nor have I signed for these accounts or given permission to the these companies to have my personal information.

I never received a credit in my name nor have I ever used a credit card from these two companies. Any debt that was acquired on these accounts have no bearing on me, as I have no knowledge of them and didn't request them or use them. There is no documentation or verbal consent from me binding me to these debt and they should have my personal information, as I never provided it to them! 

The accounts are as follows : XXXX XXXX  XXXX opened XX/XX/XXXX in the amount of {$3500.00} ( authorized user account ) XXXX XXXX XXXX  opened XX/XX/XXXX in the amount of {$700.00}
Product: Credit card or prepaid card

We are in a Hurricane Irma FEMA designated area ( XXXX Florida- XXXX , FL vicinity ). 

We applied for a {$110.00} deferred minimum payment grace period on our XXXX credit card ending in -XXXX. 

We have not received the {$110.00} payment deferment as promised for XX/XX/XXXX that is due by Monday, XX/XX/XXXXper XXXX Irma Relief at XXXX XXXX XXXX. 

XXXX XXXX
Product: Debt collection

I have tried explaining to this creditor that I am not responsible for this balance and that it was charges made without my knowledge. They continue to state that I am still held accountable and obligated to pay the past due for {$2600.00}. The credit company name COMENITY BANK I have tried disputing it through that credit bureaus as well but they state that information matches so they can not remove it from my report. This defamation and fraudulent charges that I am apparently being held responsible for and it is not fair.
Product: Debt collection

A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee 100 percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be REMOVED immediately.
Product: Payday loan, title loan, or personal loan

Today I received money deposited into my checking account for XXXX from this company for a loan I did not apply for