23daVinci/CFPB_Complaints huggingface dataset:
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 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  and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I have had an account with Klarna since early XXXX. Beginning XX/XX/XXXX Klarna began asking security questions that did not pertain to me, clearly pulling in data from another individual with the same name. When I contacted Klarna support and voiced my concern they advised there was nothing they could do. Ever since voicing my concern to their support staff I am now being denied use of the line of credit completely. Their application is going from we need to verify some additional security questions direct to denied without even attempting to ask security questions. It feels like this was a retaliatory move on Klarnas part for me expressing concern that the data they had for my account had somehow begun to mix with another individuals of the same name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; 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

For over one year, Citi Aadvantage M/C has been issued repeatedly ( 6-7 times ) to an individual who

accesses and changes my info online ; then uses card ( s ) to charge. My wife and I have not used the cards during this time and notified the agency many times/spoken to over 20 supervisors et al ( latest today ). We have been called by Citi supervisors regarding usage and new cards issued with promises of negation of charges including annual fee and no negative affects to credit agencies. Credit was given for annual fees to billing on cards we never even received. No notification of other person using cards under my name every given to credit agencies by Citi, though promised many times? no
correction ; rating has dropped from XXXX ( been there for many years ; do have one of the initial Amex XXXX  and other cards, mainly used ). 

Requested stoppage of person 's ability to change info via internet made repeatedly. Requested mailing of replacement cards only via certified mail made repeatedly. Never done, just promised. Very inept unconcerned employees.

Latest charges occurred in XXXX ( haven't been there for over 20 years ) while I was at home recovering from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have submitted a compliant that this is not my account and i advised that the lender, how was this investigated after reviewing the documents from the lender, the signature that on the document are not even my wet signature this is a clear case of identity theft
Product: Debt collection

I was with the company sprint wireless for over 6 years, i have decided to switch providers due to ongoing billing issues and wasting 2 hours every month on the phone with them. My fianal bill was paid ( this was how i was able to prt my numbers and bring my phones to XXXX ) a few monthe later i staryed getting letter from a collection agency named anfi statin i owed ove XXXX dollars. I had advised them this is incorrect and i would like to see a letter statindwhat the money owed i also asked for my account history of all payments to show i was up to date when i left ther I never received anything from them so i disputed with the credit report companies but this debt keeps reappearing on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items offof my Credit File as soon as possible : 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 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 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

This is my 1st 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance 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 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, credit repair services, or other personal consumer reports

The car that I had was in a car accident. The person that caused the accident Insurance Company paid the balance on the car in full. The balance that is showing on my credit report can not be from that car and the balance should be removed on my account. The payments that are showing on the car and the payment that is showing is not the amount that was agreed upon under my contract. I have not signed a new agreement authorizing this. This needs to be removed off of my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Nationstar aka mr cooper brought a fraudulent mortgage note from XXXX who went out of business for fraud but not before they stole XXXX in equity through a revised HUD 1 statement with out my knowledge. Nationstar aka mr coopers agent XXXX XXXX engaged in predatory lending and defrauded me further by stealing another XXXX in equity through the HUD 1 statement. I have asked Mr cooper to provide checks or wires that show this money was lent to me BECAUSE i inherited my property free and clear. they cant keep pretending that they dont have to prove THAT they lent these funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT. That you did not verified as required by law on my consumer report. 
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  This accounts are fraudulent and should be removed immediately from my consumer report. 
This is a violation of my rights under 15.USC 1681 .
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX account # XXXX XXXX -retail account # XXXX XXXX XXXX  XXXX I have no idea who these people are or who this company is I have done no business with them nor do they have a signature of my please remove these negative accounts off of my credit report immediately thank you
Product: Debt collection

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and Experian. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$950.00}
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, my personal information was compromised due to a data breach with XXXX, XXXX and XXXX other companies being hacked. This breach exposed my private financial data, resulting in unauthorized accounts being reported on my credit report. The accounts in question were not authorized by me and do not reflect accurate or legitimate activity. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to privacy and accurate credit reporting. The unauthorized use of my personal data following this data breach directly violates these rights. Furthermore, per 15 U.S.C. 1681c-2, credit reporting agencies are required to delete inaccurate or fraudulent information within 4 business days upon receiving sufficient evidence, such as an FTC Identity Theft Report or equivalent documentation. 

I have made attempts to resolve this matter directly with the companies involved, requesting validation of the accounts and proof of authorization, but they have failed to provide adequate responses or documentation. 

The continued presence of these accounts on my credit report has caused harm to my financial standing and violates my rights under the FCRA. I am requesting the CFPB to enforce compliance with the law and ensure that these unauthorized accounts are removed from my credit report immediately.
Product: Checking or savings account

I was victim of a scam Where XXXX AI told me that the support number for Robin Hood was XXXX ... ... ..... 

They Answered the phone saying Robin Hood support, can I help you? ... ... .....

Thinking I was speaking to a representative from Robin Hood, I gave them all my information and they stole {$10000.00} out of my account. Thinking they For
support representatives of Robin Hood I trusted them when they told me to enter in a debit card number which which which which which they told me would be my Robin Hood debit card. I am attaching the XXXX transfers into the debit card for {$5000.00} each. Please remember I thought this was Robin Hood I was speaking to And I trusted them. They also put some kind of Screen sharing software on my phone Which is why I think I was hacked. ... ... ...... 

Now I can't get into my account at all because I'm afraid that my cell phone has been hacked and Robin Hood will not respond to any of my requests for help so that I can get into my account ... ... ... ......

Robin Hood initially put a restriction on my account To keep it safe, but today they lifted the restriction after I told them to keep the restriction going due to the hack. Now Robin Hood was not responding to any of my emails ... ... ... ... ... ... ... ....

They do not have any phone support So I can't call anyone And I'm worried about the rest of my funds in my account ... ... ... ... ... ... ... ... ... ... .....

I went to the police and the police said that I need a fraud affidavit And Robin Hood is not responding to that request which I made a week ago to send me the fraud affidavit So I can't get help from the police and I can't get help from their support ... ... ... ... ......

Every time I try to log into my Robin Hood account, it says that it is sending a text message to my phone. I told them by email that I don't have access to my phone Because of the hacking ... ... ... ... .....

I also need to explain that Prior to the hacking When I tried to log into my account on my desktop The supposed text messages they were sending to my phone were never received. There is something wrong with their system because I have been unable to get text messages ... ... ... ... ......

I have not received any text messages from Robin Hood for quite a while And have been unable to log into that account except By the phone that has been hacked... ....

Meanwhile, {$10000.00} has been stolen out of my account and I need to recover that. robin Hood is not helping.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion only has 30 days from the date I filed all of my disputes XX/XX/XXXX it's XX/XX/XXXX and they have not reviewed my information they are waiting for 60 days that is wrong 30 days is what they need Legally so I've called trans union they say that I'm on a blacklist and I don't understand why I can not talk to them on the phone they won't send me my credit report I can't get it through XXXX XXXX XXXX they will not send me the information that I am requesting I am going to sue them in my state in the courts. Trans union has don't corrected information on my credit report sent 4 months ago I sent them information to get XXXX XXXX off my credit they have not done that and I did not get any information back from them regarding that. This is abuse I have been humiliated this is an outrage with trans This is abuse I have been humiliated this is an outrage with trans union has done to be I am going to take further actions this needs to stop I'm not waiting 60 days I'll see you them in court before 60 days so tell them thatunion. They are holding information that they have no right to by themselves I want to know where my current credit report is I have the option to get it every week and they say I'm blacklisted I can't even talk to them on the phone this is ridiculous ...
Product: Debt collection

I was contacted by Becker and Klein stating i owe money on a XXXX XXXX cc. They stated it was from XX/XX/XXXX they threatened to take money straight from my paycheck. I got scared and was not sure if i really did owe and did not want any problems so i started paying. Although i kept feeling i might be getting scammed, they now changed there company name to XXXX XXXX XXXX. I actually paid the whole thing off the total was {$940.00}. My problem now is i asked for something in writing stating that i was paid in full. They said we can send an email and hard copy which would you like. I said both its been over a week and i still have not received my proof of payment. I am now worrying that this was just a scam and not sure what to do next. I have a copy of the original email stating the payment breakdown, and phone numbers i have used to contact them. I also have bank statements with proof of my payment! I will try to call again on Monday but i thought i should reach out just in case this really is a scam. I am a hard working single Mom and would to hate to think i just got scammed. Any help would be highly appreciated.
Product: Credit reporting or other personal consumer reports

I just got my credit report and noticed some hard inquiries don't have permissible purpose according to 15 USC 1681b. I also attached a copy of my credit report. Can you please investigate these hard inquiries below 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 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: Checking or savings account

Around early XXXX, I found out that XXXX fraudulent charges including foreign exchange rate fees were made on my Chase debit card. They were all foreign charges from the same vender, XXXX XXXX XXXX XXXX XXXX, totaled up to be around {$200.00}. As soon as I noticed this, I went to Chase bank in person to resolve it. An agent at the desk helped me with filing a complaint and processing the refund. However, today, I found out all XXXX fraudulent charges went through. I called Chase customer service and they said the claim was denied because they couldnt find evidence to prove that it was fraudulent so they had allowed the charges. But these are all foreign charges and that itself should prove that its fraudulent.
Product: Debt collection

Sent a letter to verify debt to Financial Control Services for XXXX. They sent a letter with only XXXX lines as a verification. The letter is not its.used but just shows the total THEY say I owe. The letter says they consider it accurate. I believe this does not meet the requirement and need assistance.