23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened a claim for multiple charges on my account that were unknown to me. These charges were fraudulent. The claims reference number is XXXX. I opened the claim with an agent on XX/XX/year>. Then, it was closed on XX/XX/year>, with the result from American Express Fraud Protection Services stating, we have found these charges not to be fraudulent [ ] you received and used the Card issued in your name. The several charges I claimed as fraud were posted back on my Card without any proof of connection to these charges. The same day, my account was closed. I still havent received a letter about the closure. Calling American Express customer service was no help as they kept advising me to wait for a letter from them that explains everything. Its been a month, and Ive not received any letters. I decided to do some digging on my own about these charges. 
There was a total of 6 charges from 4 different merchants. I was able to receive responses/help from all 4 merchants, and of those 4, two merchants ( XXXX, XXXX ) gave me a written email response to help me with the case. Other 3 merchants ( XXXX, XXXX ) were able to speak to me on the phone to assist me with letting me know that I should pursue the case with American Express due to their privacy policy. 
XXXX response was very clear. They gave me the exact details matching the charges in question and were able to let me know that the name/email/phone # /address do not match with my card on file. 
I would like to get the claim re-investigated and evaluated as these are not my charges. 

7 fraudulent charges are : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2023, I sent XXXXXXXX XXXX XXXX XXXXXXXX XXXX a letter requesting a copy of a XXXX XXXX because they have claimed i owed a debt that was charged off. I received no response. 
On XX/XX/2023, I sent XXXX another letter, expressing my right as a consumer to opt out of my private information being shared with a non affiliated third party. 

I also disputed this with the credit bureaus to no avail. 

To date XXXX has not responded to any of my mailings despite me sending then certified return receipt.
Product: Credit card

My personal information had been stolen on XX/XX/year>. Soon after it was stolen someone had used my personal information to obtain credit in my name with the use of my personal information. I had provided a copy of THE POLICE REPORT along with an IDENTITY THEFT AFFIDAVIT had been sent to them as proof of me being a victim of a robbery as well as my information being used. The company never complied with my request, yet they continued to not want to take responsibility for someone who used my information to defraud them of their goods.
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX XXXX XXXX, and I am writing this statement on my own behalf. Per 15 USC code 1681S-2 ( a ) ( 1 ) ( a ( & ( c ) and 15 USC Code 1681-B of the Federal Credit Reporting Act ( FCRA ) the accounts listed in this report should not be reflecting on my personal credit reports as they violate my rights as a federally protected consumer. Per the US Codes provided, they summarize that it is NON- PERMISSIBLE for a consumer to report anything under any circumstances, without my written consent or instructions to do so. No consent constitutes as identity theft. As a federally protected consumer, I am demanding the deletion and removal of ALL the listed accounts immediately.
Product: Debt collection

The company name is Rent Recovery Solutions. A little over 6 months ago I had to cut my lease short due to financial issues. I talk to my apartment office and they understood and told me what to do. To paid the month ( XXXX ) and they next ( XXXX ). I left at the end of XXXX and I paid the rent for both XXXX and XXXX before I left. When I opened my credit account around XXXX I had saw that they are trying to collect a debt that I dont owe. The amount is {$3900.00}. They dont have a number I can call nor and website. I believe it to be a fraud.
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 XXXXXXXX Account # : XXXX and Account # : XXXX, Account Name : XXXX XXXX XXXX Account # : XXXX and Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name : XXXX XXXX XXXX  Account # : XXXX and XXXX, Account Name : XXXX XXXXXXXX XXXX Account # : XXXX, Account Name XXXX XXXX XXXX XXXX  Account # : XXXX and XXXX 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: Credit reporting or other personal consumer reports

Upon checking my credit reports, I found a large number of inquiries that I did not authorize, nor am I aware of. These inquiries are not associated with any legitimate credit applications or transactions made by me. 

In response, I promptly sent letters to the credit bureaus informing them of the unauthorized inquiries, as well as discrepancies in my name and previous addresses listed on my credit reports. Despite notifying the bureaus and providing the necessary information, 30 days have passed, and they have not removed these unauthorized inquiries or corrected the discrepancies as I requested. 

This situation has caused me significant stress and fear that I XXXX be held financially responsible for these unauthorized inquiries and accounts, which I did not open. I am deeply concerned about the impact this has on my credit report, and I seek immediate resolution to protect my creditworthiness. 

The following laws support my claim : Fair Credit Reporting Act ( FCRA ) : The FCRA ( 15 U.S.C. 1681 ) mandates that credit reporting agencies ensure the accuracy, fairness, and privacy of consumer information. Under Section 1681c-2, I have the right to dispute any inaccurate information, including unauthorized inquiries. The failure of the credit bureaus to remove these inquiries after 30 days is a violation of this law. 

Identity Theft and Texas Penal Code : According to Texas Penal Code 32.51, identity theft occurs when someone uses another persons identifying information, without consent, to commit fraud. In my case, these unauthorized inquiries suggest potential identity theft, and I have filed an official identity theft report to document the situation. 

Federal Identity Theft Laws : Under the Identity Theft and Assumption Deterrence Act of 1998 ( 18 U.S.C. 1028 ), identity theft is a federal offense. I have filed an identity theft report, which I am attaching to this complaint. This report outlines the unauthorized actions and serves as evidence that I am a victim of identity theft, entitled to protection under federal law. 

I am requesting that the CFPB assist me in ensuring that these unauthorized inquiries are removed from my credit reports and that the credit bureaus take immediate action to correct the inaccuracies. I fear that if this issue is not addressed, I will be held financially liable for accounts and inquiries I did not authorize, causing irreparable damage to my credit and financial stability. 

Enclosed with this complaint is the identity theft report I filed and letters I sent, which outlines the unauthorized activities and provides further documentation of the situation. 

Thank you for your prompt attention to this matter. I look forward to your guidance and assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting fraudulent inquiries on my credit report, And sharing the information with the public. 
I have wrote letters and filed complaints with other agencys and they continue to report these inquiries. 
They have had a breach in the system where millions of people personal info was used and i am XXXX of those people. They removed XXXX inquiries then reinserted them again which is illegal without notification to the consumer. i would like for them to remove all inquiries from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my continued 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have tried to resolve this with XXXXXXXX XXXX  bank and Experian. This was a secured card that I opened XX/XX/XXXX and I called a couple times to close the account in XX/XX/XXXX. When I called to close the car in XXXX of XXXX there was not enough balance and the security deposit would have covered the remaining balance plus some. But even though I called a few times to make sure that XXXX was closing the account and applying the security deposit, they did not. I stopped paying attention to it until I got a call that the card was open and there were late fees, etc. I was furious. I ended up having to pay an addition like XXXX $ in fees to XXXXXXXX XXXX and they reported me as deliquent and that negativity on my report is awful. 
In vain I tried to dispute it with Experian perhaps I didn't explain correctly but no more complaints can be launched against XXXXXXXX XXXX via Experian investigations. 

Someone did not do their job at XXXX XXXX  when I called to close the account and I am paying the price. I feel that I am owed the fees back that I paid as it shows as a charge of presently. I deserve to have this account removed from my report altogether as the way it appears is affectiong my stellar credit worthiness. 
On the many occassions I have tried to reach XXXX XXXX by the number listed on the Experian report I get a run around that they don't handle these issues and it is Experians problem. Either way, as a consumer it is bad business and I have put a tremendous amount of effort into fixing the wrong reporting status.
Product: Credit reporting or other personal consumer reports

Following up on these illegal accounts and inquiries. These accounts were illegal obtained in my name and my information was stolen and shared via a Breach. Illegal credit cards and other things were obtained illegally in my name. Please remove this off my report. 

XX/XX/XXXX I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED 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 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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent information and account which do not belong to me STILL reposting on my file in Experian. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? I have already disputed these items several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting these items. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE these items from my file like the other bureaus have done. 

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

In Accordance with the fair credit reporting act these accounts below have violated my Rights XXXX XXXX account # XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX 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

In accordance with the Fair Credit Report act, Equifax Credit Information Services INC, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

I sent servals disputes letter to verify my correct address, Name, DOB, SSN and Employer and no action was taken to fix my credit profile.
Product: Credit reporting or other personal consumer reports

Transunion has placed a charged-off account on my credit file that doesn't belong to me. When I reached out to Transunion through the CFPB website they sent me mail saying the account was no longer on my credit file but it is. I've looked on Transunion 's website and a 3rd party credit reporting website and they all show the charged-off account. I also reached out to Transunion customer service by phone and they confirmed the account is still there. They sent me mail saying it's removed but in reality, they've done nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Tuesday XX/XX/2019, I learned that XXXX experienced a breach of my accounts and that those who breached the account ( s ) have my contact information including the phone number attached to my credit reports and all 'business ' accounts. 

I have filed a Police report and as soon as it is ready to pick up I will be filing with the FTC for Identity Theft. Forthcoming will be complaint against XXXX that I have initiated with NY and MD Attorneys General 's offices. 

In the meantime, I have gone online to XXXX, XXXX, and Experian to request copies of my credit reports and it appears each have changed my address or contact information to something I didn't authorize because I am unable to get copies of any of the reports. When I enter what I have provided to each of them, I get error messages that my reports can not be accessed. 

So then ... here we go again ... not even a year later, and after many, many, many of these complaints against XXXX, XXXX  and Experian they have once again changed my information to some unknown information even after they have been informed over and over and over again! that my address on my credits and phone number exist to protect my identity ... and yet they've changed my information to I don't know what ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, testify that I have been a victim of identity theft, accounts have been opened in my name that do not belong to me for a long time, even my personal information was exposed with the Equifax Data Breach and since then I have been affected with my credit record in what Personally, emotionally and financially, I accuse the Equifax credit agency because I have sent them the documents required for the immediate removal of these fraudulent accounts and they have not done anything, they refuse with excuses and excuses and it is their fault that I continue to be affected with my credit report. they are the only ones who do not do their job and make everything difficult with XXXX and XXXX I have no problems they have eliminated without any problem that erroneous information that does not belong to me I am already tired Equifax are the worst agency I have seen in my life and have terrible customer service
Product: Mortgage

this is a complaint against ocwen loan servicing which i see is in court with numerous issues. they are claiming that we are one payment behind and we have never missed a payment or had a late fee ... they call us constantly and mail us foreclosure assistance paperwork ... .we are current and dont understand why they are harrassing us ....
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, COMENITYCAPITALXXXX XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX. Fradualent attempts to open a line of credit using my personal information. I have sent XXXX act letter to XXXX, XXXX and XXXX to remove the hards inquiries on my account. Reached out to the creditor to remove and inquiry from my account sent final letter XX/XX/XXXX to remove. No response, please remove inquiry from credit report.
Product: Debt collection

OVER 45 DAYS AGO I WENT TO APPLY FOR A CAR LOAN AND WAS DENIED -- -- - THEY SAID I HAVE A COLLECTION ACCOUNT ON MY CREDIT. I WAS STUNNED BECAUSE I WAS NOT IN DEBT WITH ANYONE AND I HAD NEVER RECEIVED A COLLECTION NOTICE IN THE MAIL.   I HAVE LIVED AT MY CURRENT RESIDENCE FOR THE PAST 12 YEARS. I ORDE RED A FREE COPY OF MY CREDIT REPORT AND A COMPANY CALLED AARON AGENCY WAS LIST ED ON MY CREDIT. I SENT THEM A LETTER IN THE MAIL BUT STILL HAV ENOT HEARD BACK AND THE ACCOUNT IS STILL ON MY CREDIT.     THE ACCOUNT IS NOT MINE AND THEY HAD NO BUSINESS PUTTING THE ACCOUNT ON MY CREDIT ESPECIALLY WITHOUT SEEING IF THE DEBT WAS MINE, FIRST.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022, i received a letter from XXXX stating that the XXXX XXXX account on my credit has been deleted from my credit file because that account didnt belong to me. 
on XX/XX/2022 i received another letter stating that the XXXX XXXX account has been deleted off from my credit file because that account didnt belong to me either. 
Although these accounts have been deleted they still remain on my credit accounts and it is affecting my credit score, i need these accounts removed because they dont belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My report includes a past/current address of XXXX XXXX Utah. I have never lived in XXXX XXXX Utah in my life
Product: Debt collection

Debt was ACH into XXXX XXXX XXXX XXXX credit account instead of the right credit account known as Amex Standard and no longer XXXX XXXX XXXX ( debt buyer/debt collector ) without a signed agreement with the borrower. After the mistake was recognized, in which the XXXX XXXX XXXX, now known as the XXXX XXXX XXXX XXXX, transferred it after the payment date into the XXXX XXXX XXXX, now the debt buyer Amex Standard credit account several credits were made. But then the consumer 's automated default was never removed and it continued to produce late fees and interest owed with defaulting in original month, XXXX XXXX. I could n't get a response from Amex Standard, nor the XXXX XXXX XXXX XXXX, or the XXXX XXXX XXXX on either account/s after phone communications, Email communications, and written communications. I decided to stop paying after XXXX XXXX, because I could no longer figure out what I owed on the Amex Standard ( XXXX XXXX XXXX ) credit card. Their statements are impossible to figure out if you do n't stay current. There is no truth in their statements either, because I do n't owe money to a debt buyer as a retired person on social security benefits per the law, and other legal theories. I wrote to the CFPB and have a complaint against XXXX. This complaint is for Amex Standard ( XXXX XXXX XXXX original debt grantor ). See, my correspondence. This involves XXXX bank accounts and cut-off procedures, and the unwillingness of Amex Standard to be cooperative with the federal and state consumer protection laws.
Product: Debt collection

I recently am getting my wages garnished by some phantom judgement sent to my job from pressler and pressler. I do not know what this is about, I never got one notice in the mail until the judgement was made and I could do nothing about them taking my wages! These shady and ileagal tactics these companies use to collect a debt is wrong and dirty! First, off I do n't remember having any XXXX credit card or anything dating back to God knows when. They said they got the account in 2012 and not once did I hear from them about this! This is serious! They are taking {$140.00} a pay check that I ca n't afford! I do n't make much to being with, and with all the other bills I am drowning in debt! I call them they ca n't help or do anything! What good are they, but they are quick to sue me for no reason! I will complain everyday until I get this solved and they clearly explain what this is and give me a chance to defend myself the right way! Venue I looked online does n't even exist anymore and we 're a shady company too!
Product: Mortgage

I have a mortgage loan with Amerihome Mortgage. In early XXXX, they sent me a check for the amount of my XXXX payment with a note stating that my loan was transferred. When I got someone on the phone, they gave me a number to call. I called and they refused to talk to me -- said I had to call back. I believe that they intentionally did this to get a late payment on my account so that I could not HARP refinance. I have sent XXXX payments to these fine folks ( XXXX and XXXX ), but they refuse to remove the late payment from my credit. I have filed a complaint with the XXXX and now with you. Please let me know if I can get any help with this problem. I still have the note that they sent with my check and will try to get a copy of the check ( I deposited the check to cover resending the payment ). 
Thanks and XXXX 's Blessings -- XXXX XXXX XXXX ( XXXX )