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

I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft.
Product: Credit reporting or other personal consumer reports

I am reaching out with a serious concern regarding my credit report. It reflects accounts and transactions that do not belong to me, likely due to mixed information. This situation is overwhelming and has caused me undue stress and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a 30-59 day late reporting to my credit for a missed payment on XX/XX/XXXX. I was not given a courtesy phone call nor letter stating I had missed a payment during that month. I was told that the reason I did not receive notification was due to the fact that I was a paperless customer and if I were to look over my statement I would have known I was past due. I sent a certified letter to the executive office advising there were extenuating circumstances that led to the missed payment and that as soon as I realized I rectified my account on XX/XX/19. I have always paid over and above the minimum due and been an outstanding customer. I was contacted on XX/XX/19 by Chase in response to my letter stating they would investigate. I called back on Monday XX/XX/19 and spoke with a representative by the name of XXXX XXXX. I informed Ms. XXXX that I believed I should be given a goodwill adjustment and have the late reporting removed from my credit as it did not reflect my credit worthiness nor my ability to repay my debt. She did not once ask what my extenuating circumstances were and offered a resolution of contacting the bureaus myself. I told her that, that would not do anything and if there were someone else I could speak with. She then appointmented herself as the highest authority due to the fact that I called the executive office and stated that if I were to write another letter she would be sure to respond to it with the same resolution. At this point in the conversation I was completely distraught and actually crying - she shouted over me then stated she would notate my account and have a supervisor contact me. This late payment will potentially hinder me from purchasing my first home and do not believe I have been treated fairly by this institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 total accounts that are fraud and not mine. I have sent multiple I mean multiple fraud affidavits with police reports and my license and social 4 times. This is the last time I will send this letter before I sue all 3 credit companies These accounts are not mine and I have never done business with any of them. The collection account account does not even have a name on it this needs to be deleted asap. 

THe other 3 I have never done business and are ignoring my calls
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I woke up normal time ( XXXX ) and looked outside. My XXXX XXXX was gone. I called the police and reported it stolen. This was during the time the XXXX Boys were all over the news for stealing the XXXX and XXXX cars. I filed the next day, a claim with my insurance XXXX and also email my lender, Credit Acceptance. At this time my attorney told me to not to pay on the car as it was stolen and that XXXX will be able to pay it off. I also had XXXX Insurance as well for coverage. By XXXX XXXX notified me that Credit Acceptance did not get back to them. I continued to email Credit acceptance with no success. I also sent letters to Credit Acceptance asking them to please get ahold of XXXX. XXXX let me know the rental car I was using would expire by XX/XX/XXXX so I went to XXXX XXXX and purchased a new XXXX XXXX XXXX. My credit report was pulled and I was approved by XXXX for a new car loan. I drove the new car home on XX/XX/XXXX. Everything was great! Then on XX/XX/XXXX, on XXXX XXXX in XXXX, I was hit by a XXXX and the new car was destroyed. The insurance for the individual XXXX told me to go to XXXX for a rental car until the claim was paid for the car. I did. The rental car was good until XXXX as XXXX decided to only allow so many weeks. I went to borrow a car from a friend and used it until XX/XX/XXXX when it broke down. I was able to secure another car from a friend temporary. Why the delay? I have been dealing with health problems because of the accident. 
On XX/XX/XXXX I applied for a car/loan again with XXXX XXXX XXXX The sales person called me back and said Why is there a repo on your credit report? I told him no that car was stolen. He said the payoff looks like {$2500.00}. I said NO I had XXXX year left and owed {$4800.00}. He said that is not what Credit Acceptance is showing. I email Credit Acceptance and AGAIN, they refuse to answer. 
I called my attorney and he said facts are simple : If they did repo the car, why did not my credit report show it back the end of XXXX? Second, I was NOT given the right to cure the alleged default. Third, I was not given the right to retrieve my personal belongings. If this is true, my rights were definitely violated. 
It is so hard now to get a loan. I hope no one else has to deal with this situation. 

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

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

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


XXXX XXXX XXXX XXXX { dispute_item_and_explanation } Enclosed is a copy of my Identity Theft Report, supporting my position. 

I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received 2 alerts, one from capital one and one from XXXX XXXXXXXX XXXX that these establishments pulled my credit. XXXX XXXXXXXX XXXX did an inquiry on XX/XX/2022, Capital One did an inquiry on XX/XX/2022. I am not applying for any new credit so I believe someone is trying to open accounts in my name. I got the run around by both banks, transferring my to department after department until the last department said their offices are closed until Monday XX/XX/2022. I will contact the credit bureaus tomorrow, Monday XX/XX/2022 to file a dispute and possibly freeze my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve this matter with XXXX XXXX with no success for quite some time now ; submitted formal dispute via the major credit reporting agencies, and XXXX XXXX headquarters demand verification/validation of debt/account to this day XXXX XXXX has not responded nor have they been removed from my credit file. I do not have a contract with them, nor am I responsible or liable for this debt/ collection from XXXX XXXX XXXX on XXXX/XXXX/2014
Product: Debt collection

On XX/XX/2018, I had to have XXXX done at XXXX XXXX Hospital in XXXX XXXX. I presented my insurance documents and paid the {$100.00} co-pay. 

After this, I never received a bill for this service or any request for payment. While checking my Credit Report I noticed there is a collection for {$1400.00} from UNITED COLLECTION BUREAU. 

My insurance, XXXX XXXX negotiated the appropriate discounts and determined that the total covered was {$1900.00} of which they paid {$1400.00} on XX/XX/2018 ( please see document attached ). T he Patient Balance on this document is {$510.00} I never received a bill or a statement requesting any payment. 
Patient Balance has been paid ( attached ) I have not received any answers to what this debt is about. I never received any letter or communication. 

The hospital had all my personal information and had my insurance information and no other claim was presented.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I spoke with the USBank : CONSUMER RECOVERY DEPT. regarding the error in reporting of my payment history. I specifically called regarding the reported 60 day late payment status showing on my XXXX  credit bureau report, and most recently all 3 bureaus. 

The bank representative, XXXX, confirmed the error in reporting on the call at XXXX XXXX PST, as a result of the return of the check payment presented. She further stated if I provided a copy of my bank balance on the date of the presentation of the payment of the minimum payment due, that it would be corrected in the reporting. Lastly, she requested a copy of the NSF check to show that the presentation and return had in fact occurred. I still have not received such proof. 

I followed up with the Bank Recovery Dept., faxing the requested letter and proof documenting that the error was a result of the {$1200.00} payment return NSF on XX/XX/XXXX, and noted on XX/XX/XXXX ; to XXXX. Detailing : USBank XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX The information has not been corrected on my behalf by USBank. This is my second experience of incorrect reporting, as shown in complaint XXXX about US BANK NATIONAL ASSOCIATION. 

I have tried to correct this matter directly without a third party, and it appears to not be possible.
Product: Bank account or service

I received a letter from M & T Bank that stated I needed to call to update information because of a change in regulatory requirements. That 's fair enough. 
The problem is that the phone number listed does not show up as an M & T bank number in an online search. Plus, anyone who wanted to steal account information could simply copy the letter, but change the phone number. The letter should direct the recipient to look up and call a number they can independently confirm to be an M & T bank number. 
The push-back I received was that they needed to have a new number because otherwise their customer service number would be overloaded. While that may be true, that means that they need to invest in their customer service infrastructure and provide a way to let callers quickly and easily select an option to respond to the letter. 
Directing callers to a random phone number to update bank account information is more than foolish. It sets a terrible precedent for future communication of sensitive information, and it provides a template for scammers to gain access to account information.
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 15 USC 1681. 
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 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: Checking or savings account

Transfers to my XXXX account was reversed on XX/XX/XXXX, due to insufficient funds in my checking account. A restriction has since then been placed on my account with instructions to the upload documents for verification as well as a live selfie, this was done promptly on XX/XX/XXXX. I called on XX/XX/XXXX to inquire about the status of my account and spoke with XXXX who asked me to verify about XXXX different transactions dating back to XXXX. I answered all his questions, uploaded a copy of my DL, which was something he apparently added after the fact. 

I have chatted online and messaged twice today XX/XX/XXXX only to be told my account is still under investigation and note on account states that I will receive an update by XX/XX/XXXX. This unacceptable, I am a XXXX XXXX  and need access to whatever little funds I have left in case of an emergency, and not being able to trade has put me at a distinct disadvantage. I have lost so much money on their platform and now I am being denied the opportunity to regain any of it. This feels like unfair, targeted treatment and I need an immediate resolution.
Product: Checking or savings account

To : CFPB Consumer Financial Protection Bureau Regarding Bank of America I called Bank of America on XX/XX/2018 to tell them that I had just noticed some fraud charges on my checking bank account, for the past several months each month since XX/XX/2018 there was {$150.00} being taken out of my checking account in XX/XX/XXXX and XX/XX/XXXX there was {$120.00} each month being taken out for a total of {$700.00}. I informed Bank of America that I did not authorize those payments, the person who took my claim said she was going to credit me back the money I also ask them if I need to do anything else for my claim they said if there was more information needed I would be contacted. They messaged me a letter thru my bank account on XX/XX/2018 stating that my claim had been denied. I called the bank and asked why it was being denied if I never authorized those payments, they said to send in more information and they would further investigate that claim. I faxed over and emailed the copies of the police report and a print out of the fraudulent companies website. I checked my account today XX/XX/2018 and Bank of America took out of my checking account the {$700.00} they had issued a credit for on XX/XX/2018. 
I called Bank of America and the person who answered was very short and rude saying I should have never had gotten credit for this claim and they weren't going to do anything to try to resolve my problem that my money was gone. They kept on repeating that the Federal government doesn't require them to protect my checking account number that the Federal government only requires them to protect my debt card. 
I feel like as big of a bank Bank of America is they should protect my bank account totally not just my Debit card. I do not feel like they even tried to help resolve my problem. Someone stole from my bank account and the bank did nothing about it. I asked them to give me the information of the bank who stole my money so I could give it to the police so maybe the police can do something about it, but they rather protect the bank/people that stole from me than help the police try to prevent these things from happening to people. 
This money was stolen directly from my checking account and Bank of America should protect their customers.
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 XXXX XXXX XXXX. 
XXXX. XXXX : Acct # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Equifax : Acct # XXXX XXXX XXXX XXXX. XXXX XXXX Equifax : Acct # XXXX XXXX XXXXXXXX : Acct # XXXX XXXX & Equifax : Acct XXXX XXXX Installment 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 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: Credit reporting, credit repair services, or other personal consumer reports

The 3 major credit reporting agencies failed to provide me with the requested physical documentation I've demanded previously but instead still abusing their authority by continuing to report the following fraudulent accounts inwhich I'm demanding be removed. 

1. XXXX XXXX {$560.00} 2. XXXX {$4700.00} 3. XXXX XXXX 4. XXXX XXXX XXXX {$5200.00}
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XXXX 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please eliminate this account from my records as it's not associated with me, and I'm highly disturbed to see it reflected on my credit report. I express my disappointment with the company for subjecting me to this situation and urgently insist on the removal of this entry from my credit history. This is unequivocally not my account!
Product: Mortgage

About 20 years ago my ex XXXX  and I divorced. I have fallen behind on the mortgage and contacted Suntrust for assistance. They collected documents for months and even after weekly phone calls told me I was denied for a modification for missing documents. At that point the opposing counsel was put in charge of collecting documents. I submitted documents to the counsel. I was told that I had to send in income documents from my ex XXXX who has not lived in the property for XXXX years ( I have also remarried and submitted my current XXXX who lives there now 's income ). I then contacted FHA directly and received an email from their representative stating that the lender does not need my ex XXXX XXXX income. I then forwarded this information to opposing counsel. Opposing counsel sent me back an email that they were not going to follow the directive of FHA. They are refusing to review the income that is part of the household and blocking me from receiving the assistance that FHA has in place for their homeowners. I would also like to note that I have submitted the quit claim deed and divorce decree granting me the house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of a violation of the laws pertaining to the protection of personal information. My name is XXXX XXXX, and I am filing a complaint against XXXX Equifax and XXXX as a natural person who has experienced identity theft. These businesses violated my right to privacy by accessing my consumer report without getting my permission or approval in writing. They have also given other companies access to my non-public personal information. It is outrageous that XXXX Equifax and XXXX are in clear breach of my right to privacy as a customer. of the Gramm leach Bliley Act of 1999, and the FCRA. pursuit to 115 U.S Code 1681c-2 Block of information resulting from identity theft. They did not handle their responsibility of protecting my non-personal data with impartiality and respect. please delete all these accounts. 

Account # XXXX Account # XXXX XXXX XXXX XXXX XXXX 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

I have yet to get a direct and truthful answer on how and what source of verification was used on XXXX and bankruptcy # XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I am in shock that I have been a victim of identity theft. I found an account on my credit report by the name of : XXXX opened XX/XX/2022. 

I have no knowledge of ever signing up for this account. The account was not opened by me at all. Please remove this account from my credit report as soon as possible. Thanks in advance! I have also attached my identity theft report as well.