23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts appearing on my consumer TransUnion and FICO credit reports, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of various credit card accounts opened under the following details : XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXXXX/XX/XXXX Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; another XXXX XXXX XXXX account, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX - XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXXXX/XX/XXXX Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; another XXXX XXXX XXXX account, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; and XXXX XXXX - XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit reports, including inquiries from XX/XX/XXXXon XX/XX/XXXX, XX/XX/XXXXon XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX on XX/XX/XXXX. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), ( XXXX ), and ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XX/XX/year> To whom it may concern I saw furnishing of multiple negative accounts on my consumer report. I am requesting an assignment contract for validation of the alleged debts pursuant to 15 U.S. Code 1692 ( g ) The accounts are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Provide me with the following information The assignment Contract The amount of debt Proof that your company sent me a statement assuming the debt to be valid with proof of tracking I was never notified with the following statement to dispute this debt within 30 days so 30 days is starting now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXX XXXX Balance : {$43000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$770.00} XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance {$620.00} ; XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

On XX/XX/XXXX Lendmark Financial Services reported onto all of my credit bureaus in the amount of {$2600.00} as a derogatory account. I have no knowledge of this company and believe it to be fraudulent as I was part of the XXXX  breach and had my information stolen. I have reported this to all three credit bureaus through dispute letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX to no avail. I still have not received a single piece of paper from either Lendmark or any of the credit bureaus about this issue. Are they in league on this or what exactly is going on here?? I demand that this issue is resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report on XXXX I noticed that discrepancy with account listed under Fair collection & Out on my XXXX & the same account is listed under numbers XXXX on my Equifax & validation was requested as this was an account that I did not recognize. I reviewed my account again on XXXX & account continues to report. I have not received any correspondences from the creditor to validate this account as correctly belonging to me. After reviewing my account again for the last time for XXXX there has been no updates & the account is to reflecting on my report. I do not believe this account belongs to me I do not believe this creditors has authorization to access the account nor authorization to attempt to collect on this account & the account continues to negatively affect me. Please remove this account from both equifax & XXXX. 

I would like all addresses removed except XXXX new XXXX XXXX XXXX pa XXXX on all three credit bureaus Reviewing my credit report XXXX XXXX  is reporting on my Equifax I been disputing since 2021 XXXX but, they will not validate the debt. I never heard of this company & I never authorize them to report on my credit report. As Im checking over my equifax again its still badly Reporting my credit report. Please delete this account please
Product: Debt collection

Midland Credit bought the debt after XXXX XXXX charged off. They have filed a case even though i told them i never signed with them nor do I owe them. I have the charge off papers from the courts where XXXX XXXX credit card wrote of the debt. 
Now Midland credit opened a case and is threatening to garnish wages and take what little i do have for something not agreed upon with them
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Experian concerning inquiries and the correct spelling of my name. 
Explained to Experian that my name is incorrect and was told they can change it because its being reported by a creditor. 

Also wanted to dispute inquiries but was told I couldnt I had to dispute with the creditor and zi couldnt dispute with them. 

Also contacted Experian about a fraud alert and a personal statement that I didnt make to be removed was told they cant make that request also.
Product: Credit reporting or other personal consumer reports

Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Jefferson Capital has this collection for XXXX for a car I never had and never applied for this is not my debt
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below, which still appear on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX  In accordance to the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business address of each individual with whom you verified the item above so i can follow up. Please send me an updated copy of my credit report after your re-investigation.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is my request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAU is required to remove any accounts not later than 4 business days after the receipt. Also, the information provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXXXXXX Balance Owed : {$790.00} XXXX XXXX XXXX Balance Owed : {$870.00}
Product: Debt collection

On XX/XX/2021, XXXX sent a certified debt validation letter to security credit services requesting a list of information proving I owe this company debt. The company did respond on XX/XX/2021 but failed to properly respond to the debt validation letter as required.
Product: Credit reporting or other personal consumer reports

Wells Fargo reports are full of lies and covering up for criminal acts. Wells Fargo tells me they were not there on XX/XX/XXXX, XXXX but take credit to being apart of what XXXX XXXX XXXX XXXX XXXX. They were not a part of it It was the fraudulent act of XXXX XXXX XXXX XXXX. Wells Fargo tells me to go into the dealership to discuss it. Don't they know that is going to create a commotion. Does Well Fargo think I am an idiot? 
Now we all know when a consumer goes into a car dealership to inquire about a car the car dealership ask the consumer to sign every signal page that was show to the consumer to prove that every signal page was shown to the consumer. Yet Wells Fargo did not show that to the Consumer Financial Protection Bureau or me Therefore they are in violation of a impermissible car loan application.
Product: Debt collection

Collection agency sent a payment offer. Debt was two times paid via restrictively endorsed letter. Collection company has many other companies and re-lists debt via a subsidiary company. 
I have tirelessly requested validation of debt with collection agency and disputed this item XXXX to no avail.
Product: Bank account or service

I believe the bank Capital one 360 has charged me more than once for an online purchase but I have reached out to XXXX and the bank but they are only showing one transaction. As of XXXX XXXX I had an available balence of {$830.00} on XXXX XXXX my available balence went down to {$300.00}. This is not the first time they have charged me {$230.00} but they have deleted that in my transaction log and they keep moving it up to the current date. HELP XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some late payments reported on my credit report that are still open and current this was not authorized by under law. I also noticed 4 hard inquiries that have not been removed within the two year timeframe.
Product: Vehicle loan or lease

I completed an extension with Ally Auto Finance on or around the XX/XX/XXXX I  was told to pay a total amount of {$230.00} on or before the XX/XX/XXXX. I also was advised that i would receive a document confirming this in the mail. To simply sign the document and send it back and no payment will be due until XX/XX/XXXX. which then only a partial payment would be due. I received the document on XX/XX/XXXX us mail and i signed and returned this back via us mail. I then began getting collection calls shortly after. I then spoke to them 3 times via telephone and advised i sent the document back and have made the payment and i do not understand why they keep calling and reporting i owe them a payment. They said the extension has not been processed and that i would need to pay more money and do another extension. I advised i am not going to do that it is not my fault that they have not processed it. I paid what i was advised to pay and yet they keep calling. I then reached out twice via chat and confirmed the department has been notified to update this information. however they still do not show that i have the extension done. I then was told that they will continue to collect and call until it is processed. They keep telling me to call back in 2 days and now i feel that they are doing something unethical and wrong. They were paid as agreed to and now they are not holding up their end of the deal.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX someone placed an auto loan in my name through XXXX XXXX XXXXXXXX. I have no recollection of it when I found out about it I called them and they gave me a real hard time. I tried to explain to them that I live in XXXX  and they explain to me the vehicle was purchased in South Carolina from XX/XX/XXXX to present day they have yet to remove this off of my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that there was a fraudulent account opened in my name through Barclays Bank Delaware on XX/XX/2020 in the amount of {$8200.00}. This account was not opened by me and I did not make any of the purchases. My spouse opened several credit cards in my name amounting to debt of {$21000.00}. When I discovered these accounts I called each credit card company and also filed a police report. I have been trying to get this resolved with Barclays Bank since last XXXX and I keep getting the run around from this company. My credit score has dropped almost 200 points because this account is showing delinquent on my credit report. Once I filed for divorce XXXX XXXX stopped paying for the credit cards he opened without my knowledge. Barclays is not addressing the problem or investigating the problem and it is ruining my credit. I have given them the police report details and everything I know regarding the identity theft, I am not sure what else to do every time I call I am on hold for 30 mins to an hour and transferred to various departments, but never get a straight answer or any real help with the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate information reporting on my credit file : Incorrect Personal Information : Name : XXXX XXXX XXXX ( XXXX  ) Name : XXXX XXXX XXXX ( XXXX  ) Name : XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX  XXXX XXXX ( Experian & XXXX  ) ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Fraud or Identity Theft Items : XXXX XXXX XXXX - Open Date : XX/XX/XXXX ; Bal : {$10000.00} ( XXXX  ) XXXX XXXX XXXX - XXXX - Date Open : XX/XX/XXXX ; Bal : {$290.00} ( XXXX  )
Product: Credit reporting or other personal consumer reports

Subject : Demand for Immediate Removal of Negative Items and Correction of Credit Report Due to Data Breach & Consumer Rights Violations Dear Equifax I am writing to formally dispute any and all negative, inaccurate, and unverifiable items appearing on my credit report, as my rights under federal law have been violated due to recent data breaches aecting millions of consumers. My personal information, including but not limited to my Social Security number, has been compromised, and I demand the immediate removal of any and all negative items from my credit profile. 
Legal Basis for My Dispute & Request for Deletion : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : Under 1681i, you are required to reinvestigate any disputed information and remove unverifiable or inaccurate data within 30 days.

Given the multiple data breaches, any derogatory marks on my credit profile must be presumed inaccurate and removed immediately.

2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 : If any negative account has been reported by a third-party debt collector, I demand strict validation as per 1692g ( b ). 
Any unverifiable debt must be deleted in accordance with federal law. 
XXXX. Consumer Financial Protection Bureau ( CFPB ) Guidelines : Your failure to safeguard my sensitive data puts you in direct violation of the standards established by the CFPB. 
As a result, I demand all negative and derogatory entries be deleted immediately. 
XXXX. Recent Data Breaches Violation of My Privacy Rights : Due to multiple security failures, my data has been exposed to unauthorized third parties, increasing the likelihood of identity theft. 
I invoke my rights under the Fair Credit Billing Act ( FCBA ) and Identity Theft Laws to have all disputed accounts removed.

Immediate Actions Required : 1. Remove all negative, outdated, inaccurate, and unverifiable information from my credit profile immediately.

2. Cease all reporting of any accounts related to data-breach incidents or fraudulent activity.

3. Provide me with a new copy of my updated and corrected credit report. 4. Unfreeze my credit profile if it is currently frozen.

Failure to comply with my request within the required legal timeframe will result in legal action, including complaints to the CFPB, FTC, and my states Attorney Generals Oce for willful non-compliance with federal consumer protection laws.

I expect a written response within 30 days confirming the complete removal of all disputed items. Please send all correspondence to my mailing address listed above. NOTICE is now given.
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. 

Account Name : AUTO XXXX XXXX # XXXX**** - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I opened this checking account on XX/XX/2023 in XXXX Ca. My account was closed XXXX and I called more than 11 times to inquiry about the check which is suppose to be mailed out. There is no tracking available. It has been difficult dealing with citibank. I was treated horrible and I will never ever use this bank again.

I can't get a straight answer. The last lady I talked to named XXXX said I should call for 30 days. Citibank has made interest on this money and seem like they are trying to steal my money. 
They have been very unprofessional with me. 
The amount of the check is {$6800.00}.
Product: Vehicle loan or lease

Hi im wanting to submit complaint against Ally Auto bank. in XXXX it was considered a total loss, my insurance paid over XXXX. And now Ally is trying to say i owe over XXXX $ and i have my statements from Ally and i owed XXXX that was with my XXXX XXXX statement. vehicle date of claim was XX/XX/XXXX. and my last statement from Ally, dated XX/XX/XXXX that my balance was XXXX $! which is not possible. I've called them, and just faxed em all copies of proof but they have alot of fraud cases, but they are blowing me off. i need to sue