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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I reviewed my credit report, I discovered that some of the information was erroneous.The Experian credit bureau must validate this items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item asunverified information without providing any proof within the period allowed by law. The items need to investigate and correct for erroneous reporting in my file and are listed on mycredit report. 
XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Checking or savings account

Somebody opened an account with a company called MoneyLion without my knowledge or consent. I called moneylion in attempts to close the account but they said they can not help me. After the first call, they no longer pick up my calls. This account has my social security number, email, address, and someone else 's phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quite some weeks ago I filed concurrent complaints with the CFPB, XXXX, TransUnion, XXXX   and XXXX about the volume of unsolicited and patently illegal credit offers appearing in my mail boxes. 

In my complaints, I obviously requested to " opt-out '' of such offers, however I also made explicit inquiries with EACH of those listed about about how and to whom they made decisions about provided my personal information without my consent ( including lenders offering lines of credit at 350 % to over 500 % APRs ). 

Let me be clear about the concerns I expressed - XXXX, TransUnion, XXXX and XXXX each sold or otherwise provided my personal details for lenders ostensibly operating from Tribal territories, who sent me reams of unsolicited credit offers that violated US consumer protection laws - and EACH of those listed failed to even acknowledge my inquiries, let alone respond. 

Similarly, CFPB failed to follow-up or provide substantive assistance as well. I can tell that CFPB did little more than forward my inquiry to these firms. 

All listed should know that I am compiling a comprehensive record of the offers received, but my complaints and concerns provided, and the response ( or lack of response ) from those listed, to provide as an investigative file to the XXXX XXXX. The XXXX 's investigative teams seem to see parallels between current lending trends and rates of fraud and other illegal behavior, and the 2008 financial system crash. I happen to agree.
Product: Bank account or service

I paid off my TD Bank overdraft protection in full as stated online. Thursday XXXX/XXXX/2016 I checked my account Monday XXXX/XXXX/2016 and found I had remaining balance of XXXX I paid that amount only to find the same day another XXXX was tacked on after I made the required payment. This has happened on multiple occasions. It is a rip off of peoples money. If a payment is made the bank should not be allowed to ask for more money than originally requested on multiple occasions. I have even called the bank previously to get the amount owed. It was told to me and I paid it only to find the same thing happen. TD bank is robbing people.
Product: Credit reporting, credit repair services, or other personal consumer reports

In review of my Credit report, the following acct has been pd in full satisfactory to XXXX XXXX XXXX  by Washington State landlord mitigation program. 
A collections has been placed against us for a balance that can not be collected as once payment was submitted, XXXX XXXX XXXX  were not aloud to submit for another bill unless documentation was fully submitted and it was not. 

Original creditor : XXXXXXXX XXXX XXXX XXXXXXXX holder : XXXX XXXX XXXX Balance : {$950.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims  credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit card or prepaid card

On XXXX.2021, I didn't give XXXX XXXX XXXX permission to obtain my consumer credit report.

15 U.S.C 1681section 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 accoun
t without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Per  XXXX  this account in on my credit report. It is connecting to a name that does not belong to me.
Product: Payday loan, title loan, or personal loan

The amount my contract wants me to pay back is just completely unreasonable and unaffordable. I owe XXXX for a XXXX dollar loan?? Not only that but the initial sign up process of getting the loan was shady and omitted certain details until the revealing of the final contract ( which Id also argue contains language meant to confuse borrowers ). They are charging me 20 payments of XXXX from XX/XX/XXXX to XX/XX/XXXX. This makes no sense and is completely unfair and ethically wrong especially knowing that borrowers are often not in healthy financial standing. I understand that I did sign a contract but this is just wrong. This loan ( plus financial struggles due to COVID-19 ) is doing so much more harm than good for not just my financial well being but my mental and emotional well being as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding an account that was added to my credit report ( all 3 bureaus ) on or about XX/XX/XXXX. Company name XXXX XXXX. As a victim of identify theft, I followed the procedures by promptly filing a dispute with all three credit bureaus, as well as sending a debt validation letter directly to XXXX XXXX requesting validation of the debt. I received no response. On or about XX/XX/XXXX, the collection was deleted from my credit reports. On today, XX/XX/XXXX, I received an alert from XXXX that my credit score had dropped XXXX points. To my dismay, the collection account XXXX XXXX had been re-added to my credit report. I thought that once removed, debt could not be re-added. I immediately contacted XXXX to inquire about this, and was told that they only report what the company tells them to, but that I could dispute the item again with them, and also directly to the company. I filed another dispute. I have in my possession a police report & identity theft report. I also added a fraud alert and credit freeze to my credit file, when I realized my identity had been used fraudulently. XXXX has copies of these reports. This collection does not belong to me. I have no knowledge of this company nor the company from which they purchased the debt. ( I was told today by XXXX the debt was originally from XXXX XXXX XXXX XXXX ). I have never had an account or affiliation with XXXX XXXX. I am requesting that this company be investigated, and that the collection be promptly removed from my credit report ( XXXX ), and this company permanently blocked from future reporting as this has been a complete nightmare for me and my family, and has taken a tremendous toll on me XXXX, and also taken a lot of time and effort to attempt to resolve. It has also caused me stress and frustration. I am filing this complaint for assistance with this matter, as I am at my wits end. My next step is to contact my Attorney General to report the matter, with the hope that it can end and my credit report be restored to reflect accurate information. 


Additionally, there is another inaccurate collection reporting to my XXXX credit file. Professional Credit Management. I have disputed this account multiple times since XXXX as a result of identity theft. I was successful at getting the item removed from both XXXX and XXXX, but not XXXX. Recently, I attempted to dispute it again ( XX/XX/XXXX ) with XXXX, but was told that since it has been disputed numerous times, I could not file a dispute with the credit bureau, only the debt collector directly. I contacted Professional Credit Management by mail in XX/XX/XXXX, requesting validation of the debt, but received a letter stating that they have sent me information regarding the debt in the past, and that they will no longer send further information. I have never received a phone call or any correspondence from this company, and have no knowledge of this debt. As a consumer, I feel that all XXXX credit reports should reflect both accurate and consistent information. With this collection on my XXXX report, that is not the case.
Product: Checking or savings account

I was getting a mortgage for a house and although I had closed my TD bank accounts years previously, somehow, a charge was able to be put on my TD bank card. I was never notified of this charge because my account had been hacked before I had closed it without me knowing about it, therefore, all the bills and late fees were going to an unknown address. Due to this, my XXXX XXXX had dropped by 250 points. I almost lost my new house and can barely afford my new mortgage payment because of my credit score. I ended up going to a brick and mortar TD bank the first week of XX/XX/XXXX because I was not being helped over the phone. I paid the account off and my account was once again closed. About 6 weeks later I received an account summary in the mail from TD Bank. It was a new bank account that was opened with no money in it but it was charging me a {$1.00} maintenance fee. I did NOT open this account and I went back to the bank to get it taken care of. Once again, this account was closed. About a month after that, I received another account summary in the mail from TD Bank charging me another {$1.00} in maintenance fees for an acct. Because I now live about 40 minutes from the TD Bank and because when I called the vice president I was dealing with was on vacation, I wrote a long email to the vice president at the bank. I received a response back saying " escalating this matter immediately ''. I just received a new summary on XX/XX/XXXX, now a few weeks later, saying that my account with TD Bank is now PAST DUE a {$2.00} maintenance fee! I don't know what else to do. They will not close my account even though I closed them myself in XX/XX/XXXX. My credit score is being affected by these " late fees '' I've contacted the bank over 3 times already!!
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 : Dept of Ed/XXXX XXXX Account name : # XXXX ; XXXX ( XXXX ) Account name : XXXX XXXX XXXX Account name : # XXXX, Account name : US Bankruptcy Court XXXX Account # XXXX ( XXXX ), Account name : US Bankruptcy Court XXXX XXXX Equifax & XXXX 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 an 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

We have tried multiple means of rectifying this issue with Wells Fargo ( WF ) First with direct contract with them, then hiring an attorney to no avail. Now via this Organization which was assigned complaint XXXX. WF supposedly responded via contacting me, there was no contact between me and them. Again WF is not being totally truthful like they have been with this entire process. Due to fraudulent activities more then {$22000.00} was stolen from our accounts. Again WF is not honoring their proper business practices This is evident because this site has been developed and judges order for them to repay consumers money fraudulently taken from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, and Reference # XXXX XXXX XXXXXXXX XXXX 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 shall ( i ) 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. 

and according to 15 USC 1681s-2 they are suppose to 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

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX
Product: Credit card or prepaid card

I have received XXXX cards issued by Bank of America, a XXXX XXXX XXXX XXXX in XX/XX/2022 and a XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022. These cards were in my name and already reported to the credit agencies. I did not apply for either card. I was able to successfully cancel both cards after a lengthy process of calling about both. The phone numbers on both to contact them were the same XXXX. I dont believe this was done by a scammer because both cards came directly to me and were not used. I do not own an all use credit card other than the one from my bank. The cards have affected my credit scores when I have them cancelled, even though I have never used them. When I call to have them removed the person I talk to is not able to tell me how or why these cards were issued or how I can prevent this from happening again. They told me I would be issued a letter ( form letter ) that is generated to everyone and not to a specific complaint that it is resolved. I am reaching out to this agency to help me prevent this from happening again.
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 : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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: Debt collection

Excessive phone calls, typically once or twice every hour, sometimes up to twenty times per day. When I answer, it is an automated message.
Product: Bank account or service

WELLS FARGO ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ADRESS : CREDIT BUREAU XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you WELLS FARGO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : WELLS FARGO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have tried disputing claims with XXXX  and Experian to no avail. My personal information was taken from the 2017 XXXX  breach that took place. Please help me clear my name and credit. It has taken a toll on my emotional, mental, and physical health.
Product: Credit card or prepaid card

I opened my credit card in XXXX, and I finished all the spending requirement on XXXX XXXX, after few weeks, I had n't got any bonus from XXXX, So I online chatted with them 2 times, the answers were just waiting. after 12 weeks, still no bonus posted, then they opened a case for me. but now already 1 month later. still, nothing coming to my account.