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

I am writing to formally notify you that I have been a victim of a data breach, which resulted in the unauthorized use of my personal information. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), to request the immediate blocking and permanent deletion of the fraudulent accounts and inquiries listed below from my credit report.

Under the provisions of these federal laws, I am entitled to have any information resulting from identity theft removed from my credit file. The accounts and inquiries detailed below are not mine, and I did not authorize their creation or the associated credit checks. 
Fraudulent Accounts to be Blocked and Deleted : XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2900.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries to be Removed : XXXX. XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed a request to XXXX XXXX XXXX XXXX requesting information regarding this account. I never got a response. So on XX/XX/year> I submitted a complaint against XXXX XXXX XXXX XXXX stating that I am not liable for this debt with XXXX. I do not have a contract with XXXX XXXX they did not provide me with the original contract as I requested. I have requested the original contract twice and it was NOT provided to me. They removed the account but then somehow sold it between the XXXX of XXXX to a new company Named XXXX XXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX, I am not liable for this debt with XXXX they did not provide me with the original contract as I requested. I asked that these accounts be removed. I sent attachments below
Product: Debt collection

I DISCOVERED VIA MY CREDIT REPORT FRAUD ACCOUNTS THAT I DID NOT OPEN, I THEN CONTACTED THE COMPANIES AS WELL AS THE THREE MAJOR CREDIT REPORTING AGENCIES. TO MY DISMAY, THREE COLLECTIONS AGENCIES ARE STILL TRYING TO COLLECT ON THESE FRAUDULENT ACCOUNTS. I SENT TO THE CREDIT AGENCIES A LETTER AS WELL AS AN FTC REPORT AND A POLICE REPORT AND STILL, THESE COMPANIES ARE TRYING TO COLLECT MONEY ON AN ACCOUNT THAT IS NO MINE. XXXX XXXX XXXX FOR $ XXXX ACCOUNT NUMBER XXXXXXXX KANSAS COUNSELOR XXXXXXXX FOR {$1100.00} ACCOUNT NUMBER XXXX XXXX & XXXX XXXXXXXX FOR {$450.00} ACCOUNT NUMBER XXXX
Product: Money transfer, virtual currency, or money service

I work in a XXXX company that imports goods from the United States, usually the company pays these suppliers in accounts in the United States. In the last days, a criminal has falsified the email identity of a supplier employee and asked us to change the payment account to another number. And this communication turned out to be a fraud. We learned that it was fraud when the provider notified us that you had not received payment and asked them to confirm the information. We want to report fraud and the account that received the proceeds of fraud through this channel is : Banking Information : Bank Name : JPMorgan Chase Bank Bank Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Account Number : XXXX Routing Number : XXXX XXXX XXXX : XXXX The transferred value was XXXX usd I do not know the name of the beneficiary of the account
Product: Credit reporting, credit repair services, or other personal consumer reports

Adverse Account Reported by TransUnion by XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX, FL XXXX regarding XXXX account placed for collection in XXXX, Balance {$220.00}. We have been XXXX XXXX customers for over a decade. XXXX came to our house with a free offer to sell their service and we declined at that time. We did not receive any services from them and have notified them of this issue. XXXX has not responded to our notifications.
Product: Bank account or service

my rent check is dated XXXX, my XXXX yr old land lord who lives XXXX, i live XXXX ... without my knowledge deposited said rent check on XXXX causing me an overdraft of {$35.00}, money i do not have ... knowing my social security check would not be deposited until XXXX, in essense i was set up to fail! upon calling WF, they offered me a {$8.00} refund. how can anyone survive when the system is so rigged for us to fail? what good is a date if it 's not honored? also i think this is perhaps the 1st time this has happened in XXXX yrs with WF ... and they treat me this way, where is common sense and customer care? very disappointed and {$35.00} poorer ... thnx WF for having your customers back
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCHRONY BANK is illegally reporting Late Payments for XXXX and XXXX 2015, when the account was fully paid in XXXX of 2015.
Product: Credit card or prepaid card

In XX/XX/XXXX I purchased 4 concert tickets for a concert in XX/XX/XXXX via the company XXXX using an American Express credit card for payment. As the pandemic arose the concerts were postponed for at least a year. The tickets that I had purchased were no longer available via XXXX 's online portal. I called XXXX to find out what had happened and was told at that time that they were only a conduit for a seller and a buyer meaning they could not step in. I then called American Express and disputed the charge in XXXX of XXXX explaining that I have not received goods or services. Between XX/XX/XXXX and XX/XX/XXXX I have called American express approximately 6 times to dispute the total charge of {$1800.00}. By XX/XX/XXXX American Express had sided with XXXX in the dispute and told me that I owed the balance in full. I have not paid the balance as I have explained several times to American Express that I am not in possession of the concerts tickets they want me to pay for. Since XXXX they have charged me full interest on the balance totaling {$160.00} as of XX/XX/XXXX and reported me to credit agencies lowering my credit score. Prior to this dispute I have always paid my American Express bill in a timely manner and was a longstanding customer. Due to lack of understanding and wanting me to pay for goods or services I have not received I have closed my account with them.
Product: Vehicle loan or lease

I have contacted Ally Financial multiple times about my timely payments that have not been reported since XXXX of XXXX. Additionally, my vehicle was involved in an auto accident where the other individual left the scene and the car was totaled. As a result, my insurer, XXXX, paid roughly {$16000.00} towards my car loan. That balance has not been reported either and it has been about 2 months since XXXX paid Ally Financial. I am upset because Ally Financial prioritizes reporting payments if late, but when payments are made on time, the same priority is not carried over. Therefore, the information they are reporting is not representative of my payment history and thus unfair and in violation of the Fair Credit Reporting Act. I have contacted Ally Financial about three times ; the first individual explained that it was a technical issue that was being worked on, the second individual gave me a case number ( XXXX ), and the third individual could not even comprehend my issue and gave me responses that did not make sense. Additionally the third individual I spoke to on XX/XX/XXXX said another representative from the company would be calling me back in a few days to discuss my issue ... it is now XX/XX/XXXX and I have not received a call concerning the issue. I am escalating this primarily because it impacts my credit worthiness and I need to replace my car as well as go for other credit. Hence, the $ 19,000+ that is currently shown by the credit bureaus could have an adverse effect on any lending considerations. Ally Financial has blatantly failed to show concern for my issue and has amplified that with their inaction. They prioritize calling me everyday to make sure my final {$300.00} dollar payment is made, but provide zero mention of my issue with the company. Once again, if it was a late payment, Ally Financial would waste absolutely no time updating the credit bureaus with the most current data. Therefore, if the Ally Financial is going to report late payments, Ally Financial is also obligated to report timely payments ... or not report at all. The fact that it has been almost 6 months without a single report is absolutely unacceptable.
Product: Credit card

This company put a fraudulent credit card on my credit reports, for like {$230.00} as a charged off account after 30 days???? It was confidently charged off after I had contacted them refuting this account and debt as mine, and then they just charge it off as bad debt? To spite me Im sure, because I have read 1,000s of complaints about Capital One doing fraudulent activities such as this to 1,000s of other people.! I already filed a complaint against them that I never opened this account to begin with, and now they are trying to make it worse by saying that its charged off as bad debt nowI will NEVER DEAL WITH THIS COMPANY EVER AGAIN IN MY LIFE.! My personal information was stolen, along with my personal belongings, such as my wallet and phone, which had my SSN card among other identifying information, which I know was used for a lot of other fraudulent activities, because Ive had to get other account la removed for the same thing. And as per advice from my attorney, so have given this one and only time for Capital One to rectify this situation. By deleting this fraudulent account off of my credit reports ( XXXX, XXXX, XXXX ) IMMEDIATELY! Or litigation will commence against them, and they will be sued to the fullest extent of the law allowed.! First and last warning.!
Product: Credit card

Dear Discover, I would like my account reconsidered and to be re-opened and remain opened and my great relationship with Discover Bank to be re-opened and remain opened. 

Credit cards needing to be re-opened and remain opened : 1. Discover DiscoverIT Cash Back credit card ending in XXXX 2. Discover DiscoverIT Cash Back credit card ending in XXXX As a loyal Discover active member, I need my accounts to be opened. In the past 8 or so years I have talked to many representatives who misheard me or gave me wrong information regarding my accounts when I was simply trying to get new account numbers due to fraudulent charge ( s ) as someone gaining access to my account and me misplacing my wallet. It looks like that was resolved as they told me to fill a SSA form afterwards which I did in XXXX  and Discover confirmed its receipt but still closed my account in error. 

In the midst of all of the confusion, which was also my fault because of miscommunication, it triggered activity on my account leading to someone closing my account in error. I am also not very technologically savvy and have a XXXX. It was a simple request to get a new number due to fraud. I had not even gotten the chance to use my card which is what I was excited about. Moreover, this is going to hurt my credit score ( as I have {$10000.00} credit limit on this account ) and will overall hurt my credit really badly so I want to avoid this. I am also traveling soon and will need to use my credit cards. 

I was told to fill out an SSA form afterwards which I did in XXXX  and Discover said they received it but they closed my account due to error. 

I would like you to please reconsider the closure of my account and please re-open my card with a new number and send it overnight. 


I have developed an action plan and will do my due diligence moving forward to have optimal security avoid any misplacements or even fraudulent activity. I can assure you, this will never happen again. I also placed extra security including security alerts on both my social security card and the credit bureaus. I am also happy to oblige and comply with any further action plans that Discover may want to ensure my security. 

I am appreciative of you re-opening my cards and sending me new numbers. Please do not close any of my accounts again. Please re-open and keep open my great relationship with Discover. 

Thank you for your time, understanding, and patience and thank you for re-opening my card.
Product: Debt collection

Dear UNITED REVENUE, The collection XXXX that is currently being reported to XXXX needs to be removed immediately upon receiving this letter. Per the FCRA, as a federally protected consumer, I am now exercising my consumer option to opt out of the reporting of my consumer nonpublic personal information that is currently being reported by UNITED REVENUE. The Original creditor XXXXXXXX XXXX  XXXX failed to provide clear and conspicuous disclosures that complies with 15 USC 6803 of my consumer option of opting out of affiliated third parties disclosing my consumer nonpublic personal information to non-affiliated third parties. I, the consumer, am opting out of any and all authorization, I may have unintentionally given TXXXX XXXX XXXX and UNITED REVENUE of written, unwritten, verbal and nonverbal per 15 USC 6802 ( a ). Upon receiving this letter, you agree to remove the collection XXXX immediately per my request as well as discontinue any and all reporting of my nonpublic personal information to any and all nonaffiliated third parties you come in contact with from herein and therefore indefinitely.
Product: Credit reporting or other personal consumer reports

I asked all companies to update to paid as agreed and remove negative payment history. 
need nagatives to be deleted. According to the Fair Credit Reporting Act 15 USC 1681 section 602 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. '' Equifax 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax 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 Equifax, XXXX, ( Furnisher of information to credit agencies ) 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 explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise 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. Equifax 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.
Product: Checking or savings account

This is all under my chime account XXXX  someone charged my card {$390.00} on XX/XX/year> XXXX someone charge my card {$25.00} on XX/XX/year> XXXX someone charged my card XXXX on XX/XX/year> XXXX  com subcr someone charged my card {$9.00} on XX/XX/year>
Product: Student loan

On XX/XX/XXXX I received an email from Mohela stating that " Our records indicate your income-driven repayment ( XXXX ) recertification XXXX XXXX needs to be extended. We are working to extend your XXXX XXXX to ensure your lower payment amount continues, and we thank you for your patience. Recertification of your XXXX plan will not be needed until sometime after XX/XX/XXXX. When it is time for you to renew your XXXX XXXX, we will notify you. '' Despite this email that I will not need to recertify my income information until after XX/XX/XXXX, on XX/XX/XXXX and XX/XX/XXXX, I received emails from Mohela stating that my loan is entering into XXXX When I log into their new online system, I see that I have over {$15000.00} in " capital interest '' added onto my total loan amount, and that I am listed as being in a standard XXXX XXXX rather than the income-driven XXXX XXXX I have been enrolled in since XXXX. I am concerned that they lost my information about my previous payments made toward my XXXX balance which will help me eliminate my debt after a sufficient number of payments. I am also being told that I need to make a payment of over {$1200.00} by XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I XXXX XXXX have reached out to this company regarding a debt on my credit reports from Santander consumer USA it is reporting open it and is also reporting I have late payments. This account is not my account I do not have an open account with this company and the balance is incorrect as well as the payment history reporting on my transunion report. This company agreed to getting this corrected back in XXXX 2022. This length of time is unacceptable and I would like this resolved immediately please.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 180 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

inquiries that was placed on my credit file was placed with out my knowledge.
Product: Credit reporting or other personal consumer reports

I have no liability to XXXX XXXX  XXXX for they are a third party debt collector and I have contract no with them. XXXX  XXXX XXXX brought the debt from XXXX XXXX in which the debt would had to have been charged off. A charge off is considered income and income can not me reported to credit report because it turns into a certificate of indebtedness. I would like XXXX  XXXX XXXX to provide me the direct contract between them and XXXX XXXX showing that they are authorized to collect for XXXX XXXX  and they are not a company that just brought a debt. They have also violated the Privacy Act of 1974 and XXXX XXXX Code XXXX - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. 
( b ) Opt out ( XXXX ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I was never given a notice or a way to opt out of XXXX XXXX XXXX, XXXX, Equifax, and XXXX reporting this to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Experian refuses to take off XXXX accounts that is damaging my credit. I am in the middle of looking for a place to live and this is delaying me from seeking a home
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Experian dated XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior XXXX, and I'm including it again. Please remove the late payment from this account : XXXX XXXX XXXX
Product: Credit reporting

I have been a victim of identity theft and tried correcting my information with the credit bureaus. They told me to get a notarized affidavit, send them my driver license and social card ; which I did. I have been dealing with them for the last year and it gets so frustrating how I get denied for everything I apply for even though I am a very responsible person. As a matter of fact, I have kept all of my correspondence with them as proof that I have sent everything that they asked from me. I called several times as well. I have had notarized my affidavits and police report XXXX already but up to now, the accounts are still on my report which is barring me from having a decent credit score.