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

On XX/XX/year>, I discovered that a total of {$52000.00} had been fraudulently removed from my Credit Karma checking and savings accounts. The fraud began with five separate unauthorized transactions of {$10000.00} each. Additionally, my account details, including the associated phone number, were changed, locking me out of my account. The criminals were able to generate a digital debit card and proceed to clean out the remaining funds. 

Actions Taken by Me : XX/XX/year> : Immediately contacted Credit Karma 's customer support via phone and email to report the unauthorized transactions and requested to freeze my accounts. I provided all known details of the fraudulent activity. 
July 23-24, 2024 : Made repeated attempts to follow up with Credit Karma 's support team, including additional phone calls and emails, emphasizing the urgency and requesting the account freeze and recovery of funds. 
XX/XX/year> : Despite my continued efforts, my requests were largely ignored, with one phone call ending abruptly without resolution, and no follow-up on my email requests. Meanwhile, the criminals continued to access and drain my account.

Lack of Response and Impact : Credit Karma 's Response : The response from Credit Karma 's support team was inadequate and unhelpful. They failed to freeze my accounts promptly, allowing the fraudulent transactions to complete. The requested support for filling out a notarized dispute form was not provided, and my inquiries went unanswered.

Health Impact : As a Type 1 diabetic, the stress from this incident has significantly affected my health, nearly resulting in a hospital visit due to the severity of the situation.

Privacy Concerns : For over 48 hours, my entire credit information was accessible to the criminals. This included sensitive information provided in the Credit Karma dashboard : Full credit report details Personal identifying information ( PII ) Account balances and transaction history Credit scores and factors affecting them Linked bank account information Other personal financial information that could be leveraged for further fraudulent activities Request for Resolution : I am seeking immediate intervention to recover the stolen funds and secure my account. Given the lack of adequate support from Credit Karma, I am requesting the CFPB 's assistance in this matter to ensure that my concerns are addressed and appropriate measures are taken to prevent further unauthorized access and to provide the necessary support to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

According to FCRA section 605B it is illegal to report information on my credit report without my permission please remove this off my credit report. Thank You KHOLS<CAPITAL ONE<XXXX XXXX  THESE ARE AFFECTING ME GETTING MY HOME APPROVED. IF I MISS MY OPPORTUNITY TO CHANGE ME AND MY FAMILY 'S LIVES I AM GON NA FILE A LITIGATION LAWSUIT WHICH WILL COST MAJORLY FOR THE VIOLATIONS OF THESE ACCOUNTS CAUSED BY AGGRAVETED ID THEFT 18USC1028A 15USC1681B NO PERMISSIBLE PURPOSE 5USC552A PRIVACY LAW FCRA VIOLATIONS FOR UPDATING THE ACCOUNT AS VERIFIED WITH NO PROOF OF WET INK VALIDATION AFTER A FTC REPORT WAS SUBMITTED ALONG WITH ID VERIFICATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a problem with my driving history report. 

First problem is that I'd got a ticket for speeding at XX/XX/XXXX and it appears two times in my driving history report. One of them should be removed from my driving history report. 

Also, at XX/XX/XXXX, when I was waiting at traffic lights, a driver hit my car from back side and immediately run away. It was late night and I couldn't see if there was a damage in my car or not. I called police just in case and she gave me report. Then I checked my car and saw that it is not a big problem, only little scratches. I did not even report it to my insurance company. I'm being shown as mistaken on this accident in my driving history report. 

I'm a graduate student and driving for XXXX and XXXX at weekends. Both these company suspended my account. Please help me about this problem.
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. 
Account name:08 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have been contacted on numerous occasions by this company who claims to be affiliated with National Credit Adjusters, LLC/XXXX XXXX and XXXX XXXX XXXX XXXX ( Attorney Firm ), XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. ( Office Phone XXXX ) On most occasions I have been dealing with a person named XXXX, who has been very rude to me and my family members. This company has also contacted members of my family ( parents, in-laws, children, & stepchildren ) in their efforts to collect this so-called debt. They are claiming to be trying to collect a debt from XXXX XXXX on an overdrawn old checking account from more than 8 years ago. I was instructed by XXXX to contact the collections & recovery department for XXXX XXXX which I have done. The bank shows no record of any accounts in my name which were previously or currently sold as a collection for me. This company has continued to harass me and my family members by phone, threatening that they are sending a process server to my home as they are filing a judgment and civil collection action against me. I have checked local court records and no such information exists on my. I have requested documentation from this company in writing regarding this alleged debt which they have not produced.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Since XXXX of XXXX I have had issues with Mohela that has taken me calling on several dates XX/XX/XXXX and sending repeated emails through the portal that went unanswered. More recently I have called on XX/XX/XXXX and XXXX of XXXX and again today, XX/XX/XXXX explain to them that based on Department of Education XXXX DOE ) guidelines those with XXXX recertification dates before XX/XX/XXXX do not need to recertify. My date falls on XX/XX/XXXX and is to be pushed to XX/XX/XXXX. My payments are to remain the same until next year. They refuse to follow DOE guidelines and made up their own rules stating as recently as today to me that the anniversary date is different from my expectation date and I have a XXXX expiration date. Mohela is spreading and using inaccurate information as it relates to recertification. The DOE guidelines are clear and not left up for interpretation by Mohela. They have increased my payment from {$320.00} to {$3100.00} which is affecting me closing on my mortgage! Mohela is causing me a lot of harm but being defiant to the DOE regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer file and there are several collections on my file that I have no knowledge to why they are reporting on my consumer file. This is Identity theft and I would like them removed immediately.
Product: Debt collection

I am writing to formally dispute the collection/closee account listed on my credit report. I am not liable for this Debt of {$980.00} with CAPIO PARTNERS I did not sign a contract with CAPIO PARTNERS and I didnt receive Verification of the debt via the original Contract Account number : unknown i was listed as an authorized user to an account belonging to XXXX XXXX XXXX XXXX I notice discrepancies in the personal information section, which I believe is inaccurate. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate and verifiable information on my credit report. I am requesting that this collection account be investigated and removed if it is found to be inaccurate or unverifiable. Disputed Account Details : Collection Agency Name : CAPIO PARTNERS Date of entry : XX/XX/year> Reason for Dispute : XXXX. I have not been afforded the opportunity to dispute the account in accordance with 12CFR 1006.34 ( c ) ( 4 ) ( ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. 2. CAPIO PARTNERS has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 3. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfil their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). CAPIO PARTNERS is flagrantly disregarding consumer protection statutes. I demand that CFPB investigate these egregious Legal Basis for Dispute : 1. Fair Credit Reporting Act ( FCRA ) : Under Section 611 of the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. The credit bureau is required to investigate the disputed information and ensure that it is accurate and verifiable. If the information can not be verified, it must be removed from my credit report. 2. Fair Debt Collection Practices Act ( FDCPA ) : Under Section 809 of the FDCPA, I am entitled to verification of the debt from the collection agency. If the collection agency can not provide proper verification or validation of the debt, it must cease collection efforts and remove the account from my credit report. Request for Action : I request that you investigate this matter and provide me with the results of your investigation. If the collection account is found to be inaccurate or unverifiable, I ask that it be removed from my credit report. Please provide me with written confirmation once the correction has been made. Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law.
Product: Credit reporting or other personal consumer reports

Please see the attached e-mail from XXXX XXXX. They confirmed this account is not my responsibility and it is not my fault or account. Please remove this from my credit profiles. 

XXXX XXXX -- {$1900.00} XXXX XXXX XXXX XXXX {$1300.00} This is for my credit account : SSN last 4 : XXXX DOB : XX/XX/XXXX XXXX XXXX Corporate Ridge XXXX XXXX, XXXX, V A XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding multiple accounts that are inaccurately reported on my credit report, violating both the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ( b ) ) and the Fair Debt Collection Practices Act ( 15 U.S. Code 1692e ). Despite disputing these accounts, the companies involved have continued to report incorrect details without conducting proper investigations. The accounts in question are as follows : - **XXXX XXXX** : Account Number XXXX - **XXXX XXXX** : Account Number XXXX - **XXXX** : Account Number XXXX - **XXXX XXXX** : Account Number XXXX - **XXXX XXXX ( Repo ) ** : Account Number XXXX Each of these companies has failed to ensure the accuracy of the information reported, as required under the FCRA. Additionally, they have used misleading practices in their collection efforts, in violation of the FDCPA. I request the immediate deletion of all these accounts from my credit report due to these violations.
Product: Credit reporting or other personal consumer reports

Aidvange sold my student loans to XXXX in XX/XX/XXXX. As of XXXX, XXXX, XXXX they are still reporting balances to all XXXX credit bureaus and now it looks like I owe triple the amount in student loans. This is affecting my ability to assume a mortgage and I am requesting assistance removing these inaccuracies from my credit reports.
Product: Credit reporting or other personal consumer reports

I received notification from your organization asserting that my personal information was linked to copyright infringement activities. However, after a thorough review of the provided details, I wish to contest the accuracy and validity of this claim. 
Firstly, I have no knowledge of engaging in any activities that would constitute copyright infringement. As an individual who respects intellectual property rights, I have always been diligent in ensuring compliance with copyright laws and have never knowingly violated any copyrights.
Product: Checking or savings account

Citizens bank decided to close my account ( without providing any explanation, but I know they are allowed to do that ) after having kept it frozen for more than two months. 

Last week I received a check for the balance of XXXX XXXX but in the bank account there were more than XXXX XXXX I called three times and so far they have not given me any information regarding my money. 

It's been three months in which I have been unable to access my money. I have not been given any explanation regarding why it has been frozen, why my account was closed, and, more importantly, why I have not received my money yet. 

These are funds I absolutely NEED, and the way the bank has operated is incredibly unethical and it has been having a big impact on my life.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

*******************NOT A DUPLICATE*********** Transunion is reporting the following items incorrectly. I filed a police report for identity theft and have also requested these companied to seize all communications but are still communicating via credit reporting company Transunion. Under the 15 US Code 1692 -C ( Ceasing communications ) Transunion is violating my rights by illegally reporting the following items. XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX- Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX. XXXXXXXX XXXX- Account # XXXX XXXX. XXXX XXXX Account # XXXX. Please have Transunion remove these immediately as it is a violation of Federal law 15 US Code 1692 - C.
Product: Credit reporting or other personal consumer reports

I am sending in response to the recent reinvestigation that remains unresolved. This is my follow-up, and I do not concur with your findings, as I am requesting complete accuracy. I am dissatisfied with the effort made to contact the creditor reporting this information on my report. Therefore, I am asking for additional information regarding these specific accounts in question : XXXX XXXX XXXX XXXX Balance Owed : {$5000.00} ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$32000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX i received credit monitoring notification 2 accounts had been reported to my credit XXXX XXXX for {$1800.00} & {$2400.00} i called the creditor immediately asked about these account that were reported, i was asked my name/ssn and was also told they were not able to locate any accounts for me. i then asked how can this have been reported if you do not even show accounts for me. i was then told by XXXX XXXX to contact my police dept for fraud, i said how am i supposed to do that when i don't even know who you people are. i hung up and called XXXX, i disputed the accounts. detailed my conversation with this lady at XXXX XXXX that refused to give name. 
30 days later in XX/XX/XXXX both accounts came back as being verified as accurate.. 
i than called XXXX and questioned how this was verified when XXXX XXXX did not even have accounts for me. they said they verified as accurate. i then asked for validation/ or any info that was used to verify this debt and was told i needed to contact the collection agency. 
XXXX XXXX and XX/XX/XXXX i contacted XXXX again, asked for supervisor, was being yelled at on phone. i also tried to explain the reason for my call and was hung up on. 
the next day i called back, asked if ( she ) they never give names, was able to search my ssn/name was told again, no accounts for me. so i questioned again how can this be and this company still report to credit. she was not able answer with a clear explanation, and i got frustrated, i asked to speak to a supervisor was hung up on again. 
XX/XX/XXXX i made a call to XXXX advised i was trying to figure out how to get proof of this debt. advised of previous dispute out come, also advised interaction with the collection agency. i was told by supervisor XXXX at XXXX they submit the dispute to the creditor via XXXX XXXX and they verify it. i asked what documentation as used to validate this, he said none, XXXX DOES NOT verify validity of debt disputed, i asked how that can be when my dispute was specific to account not being mine. he said all he could do was document the accounts for XXXX XXXX send dispute again. that did not work the 1st time, so i can imagine would not work again. 
now to my understanding of credit reporting/validation of debt is part of the FDCPA also requesting validation and it not being provided is a violation. i have disputed things before was was always sent a validation notice/ with proof of debt so i am not understanding how this has remained on my credit even though i have yet to receive the proof of debt. i called the original creditor " XXXX '' and was told they do not show me on their system, i was then asked to call corp XXXX XXXX XXXX i did that today XX/XX/XXXX and they have no record of my name or ssn. i want this removed off my credit. i have no clue who XXXX XXXX is or XXXX XXXX
Product: Debt collection

I received a letter dated XX/XX/XXXX from XXXX XXXX , XXXX about an unpaid debt of {$1800.00} I supposedly owed to XXXX XXXX in XXXX. I called XXXX and said this was not my debt. They said they would report it as fraud. On XX/XX/XXXX I received another letter on this matter from Jefferson Capital Systems, supposedly the current debt collection agency. I was told this debt went back to XX/XX/XXXX. I was directed to several alternate numbers in their company and no one could give me any further information on it. I did learn the address for the service was at XXXX XXXX XXXX, XXXX, MI. I told them I had never lived there and in fact have never even been to XXXX! I am a resident of XXXX  and have lived here continually since XX/XX/XXXX. Prior to that I was a resident of XXXX. I also tried to call XXXX directly but got no where. I am a member of XXXX and I contact them. They requested I call XXXX XXXX again to find out what information was used to open the account. The closed account department said their records did not go back to XX/XX/XXXX.