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

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 
The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX  XXXX Acct # - XXXX XXXX XXXX Acct # - XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

in response to Experian, I XXXX XXXX, am a victim of identity theft, I am not a third party or a credit fix it person.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXXData breach, my personal information has been compromised. I noticed that someone applied for something in my name without my authorization.
Product: Debt collection

Theres a charged on my account from XXXX XXXX XXXX which I didnt know nothing about and I want account to be removed amont is XXXX $ or so
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX thank you for the alleged mail BUT still you fail to answer the questions I request full disclosure of documents that I have request failure violates any alleged debt that you claim. Also you violated my HIPPA and privacy rights I request the again { 6 } times information enclosed, Now I will need your CEO name and contact information your stock holders names and contact information, Your tax Identification number, your business license, also your name and contact to be used for civil action if needed. Fax alleged hospital, XXXX XXXX XXXX for documents of alleged account they did not respond to fax in your response to the CFPB your alleged billing { NOt Contract states XXXX owed today you mail another statement stating {$1500.00} WHAT you pull this alleged debt that you refuse to disclose out of the air. My charges are now {$2500.00} due and payable now for the time I have to put in to get any type of legal contracts or anything with a signature from you No contract Remove your claims from my credit report, I will also file now with the Texas medical board on my Hippa and Privacy rights you aLSO FAIL TO GIVE THE COMPLETE NAME OF XXXX, XXXX XXXX  { or associates } for the medical board complaint.The fair Debt collection practices act USC 1692 you know the one you stated earlier but fail to finish USC1692g { b } I request your office to provideme with competent evidence  CONTRACTS, Above information as requested.that I have a legal obligation to pay. This is not a fusal but requesting the exact information requested
Product: Credit reporting, credit repair services, or other personal consumer reports

There seem to be unverified or inaccurate accounts on my credit file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

CBE group is collecting from XXXX XXXX in the amount of {$2700.00}. My bill with XXXX was only {$800.00}. They are crazy to think i am going to pay all these extra fees. I am experincing financial hardship at the moment and I can't pay the {$800.00}. I'm not paying those extra fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian automated attendant starts the identity identification process and after answering the questions disconnects the call. 

There appears to be no other way to contact Experian to temporarily remove a credit freeze.
Product: Checking or savings account

On XX/XX/2023 my phone was stolen along with my Chime debit card on the city bus on my way home from working out at my college gym. An unauthorized transaction of {$2100.00} was made. I called support over the phone and reported the issue. Connected with an agent, and I was assured my card was canceled and that I should upload supporting documents now or while the investigation was happening. Needing my phone immediately I filed a device replacement ( over another phone since I couldn't log into my XXXX XXXX account due to two-factor authentication needing a code sent to my mobile number that was stolen ) through my phone company since I had a T-Mobile device protection plan. My claim was handled by XXXX, filed, and approved I paid a {$100.00} deduction. The next day XX/XX/2023 I received an email from Chime Dispute Team in writing stating Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. That same day I received the email decision charges on the same card they said they canceled authorized charges. Disagreeing with the decision to not refund the charge and also concerned with the activity of charges on cancelled card I contacted support and opened a rebuttal, support checked and found the card was indeed still active only then was it canceled and a new card was ordered. The investigation on the rebuttal came back XXXX days later sticking with the same decision. Finally receiving my phone in the mail and able to access XXXX I opened a third rebuttal on XX/XX/2023 and included the confirmation email and pdf letter from my phone replacement device claim with XXXX to the Chime Dispute Team. After a third review the same decision. I called support one last time and they said hang tight and look out in my email and mailbox essentially documentation in details on their decision. I received the email XX/XX/XXXX but no attached documentation ( I share screenshots of the email ) to go along with their decision nor physical mail in my mailbox as of today XX/XX/2023. I called support yesterday XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kay Jewelers was sold off to a collection agency XXXX XXXX. That has just fallen off my credit report after the reporting time ended. This is the original company and is too old to be on my report. Ive tried to dispute but it is not coming off. It has started reporting at the 7 month mark.
Product: Debt collection

I am writing to dispute the following information in my credit report file. 
Original Creditor XXXX Open Date : XX/XX/XXXX Account Name DIVERSIFIED ADJUSTMENT Account Number XXXX Status Collection account. {$450.00} past due as of XX/XX/XXXX. 
I disputed this charge with XXXX but Diversified Adjustment, a collections company, claims I owe XXXX {$450.00}. 
I have never used a XXXX phone or a product. I have never received a bill from XXXX for this amount. Have I received a bill from XXXX, I could have called XXXX, and fixed this mistake myself. Yet this charge of {$450.00} appeared all of a sudden on my credit report as a delinquent charge. 

I believe I am a victim of Identity Theft and someone with out my knowledge has used my personal details to do business with XXXX to commit credit fraud or other crimes. Apparently a party who will benefit from this collection effort is Diversified Adjustment. 
This item is - Original Creditor XXXX, Open Date : XX/XX/XXXX, Amount {$450.00} is inaccurate. 
Under penalties of perjury, I certify that I have never opened an account with XXXX, nor I have purchased any product or service from XXXX for the past 10 or 15 years ( or even prior to 10 or 15 years ).
Product: Credit card or prepaid card

We filed a dispute with Citi Bank about a charge of {$1700.00} from XXXX XXXX XXXX XXXX. This was a deposit charge, however we cancelled move because of additional charges ( about twice the amount stated in the contract ) that was required just before the move was scheduled. Citi notified us of their attempt to settle the dispute, but could not do so with the information we gave them. We have obtained information about XXXX XXXX XXXX XXXX from sources such as XXXX  that this company has pulled the same scheme of overcharging at the last moment before moving and feel that our deposit charge should be removed from our account at Citi Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX on XX/XX/21 sent a 609 letter to Equifax, XXXX, and XXXX regarding inaccurate things on my credit report. It has now been over 110 days later and I have not received a response yet.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraudulent and unauthorized by myself and need to be removed immediately. 
I am hereby notifying you that neither on that date or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, having understood this is a violation of 15 USC 1681 ( B ) ( C ), Both together and separately my consumer and privacy rights are being violated. I would like for you to please remove these items from my consumer report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX : Account # XXXX, has violated my rights. This company continues to report a XXXX day late payment to Experian and XXXX from XXXX of XXXX 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave these written instructions. & also. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) 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 6804 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 the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I was surprised by a thief, he took my wallet with more than XXXX dollars and in my wallet He took my work card and my social security And now he has already requested credits with my identity. In the credit application he had made with my identity He left his phone number and postal address. 
His phone number is XXXX XXXX his mailing address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX am leaving this report because I am unable to pay credits at the moment I no longer accept anyone to make credits with my identity Thank you
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts reported on my credit file, in accordance with **15 USC 1681c-2 ( a ) **. As a victim of identity theft connected to the XXXX data breach, I have noticed accounts or inquiries that are not authorized by me. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that Transunion immediately block and delete the following fraudulent accounts and inquiries from my credit report : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit hs dropped 80 points due to status " Affected By A Natural Disaster '' ; this is incorrect. The CARES Act should not drop my credit score. On XX/XX/2020 I contacted my lender XXXX XXXX XXXX ) at XXXX XXXX and spoke with XXXX who checked my status. She said there was no record of a status of " Affected By A Natural Disaster '' and suggested I contact and start a dispute with the credit agencies. By noon on XX/XX/2020 I started a dispute with XXXX which showed under " Status '' the incorrect information on my school loans " Affected By Natural Disaster. '' On XX/XX/2020 XXXX stated that my dispute was closed, the information had been updated per their inquiry to my lender and the status remained " Affected By Natural Disaster. '' I then uploaded a copy of an email from my lender stating that the company has been incorrectly identified as changing loan holders tatus, but they have not been the entity relaying this information to the credit agencies and the information they have states that all loans they hold have not been given a status change. By XX/XX/2020 XXXX said the reopening of my dispute was complete and again the status was not changed. On XX/XX/2020 I again contacted my lender and confirmed that there was no special status on their records. I then called XXXX  XX/XX/2020 and spoke with XXXX XXXX to clarify where XXXX was getting information from and to dispute the status. XXXX stated that XXXX   received their information from my lender and the only way to change the status was for her to send a direct email to the lender questioning the status. I asked her to proceed with this action. I feel as though I am being given the run around between the two entities. I also found Transunion is reporting the information on my report incorrectly. However, Transunion makes it incredibly difficult to get your free credit report, and when I went to start a dispute the page comes up with error readings with no further way to contact or send the appropriate information. I can't buy a house or refinance my student loans until this situation is resolved.
Product: Debt collection

XXXX XXXX {$7400.00} According to the law XXXXXXXX XXXX XXXX XXXX XXXX XXXX it states that if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication. 
According to FCRA XXXX XXXX it is illegal to report anything on my report without my permission. This consumer has released my personal information and I keep getting harassing calls from different collection agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the XXXX XXXX Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file and listing incorrect payment history ( late payments ) without my permission is a consumer law violation per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are accounts opened that are either not mine or reporting incorrectly in the negative. There are several unauthorized hard inquiries that I have no knowledge of nor did I give consent for that either.
Product: Checking or savings account

While recently checking my bank account I noticed XXXX XXXX charges we did not make. This surpried me because at the time I was in the hospital recovering from a major XXXX and physically couldn't eat solid food ( can prove with documentation if needed ). We rarely use XXXX so I asked my wife about it but she too had not ordered from them. We checked our XXXX account and the last time we had ordered from them had been XX/XX/XXXX, the disputed charges were on XX/XX/XXXX and XX/XX/XXXX. XXXX from XXXX for {$52.00} on XX/XX/XXXX and {$57.00} on XX/XX/XXXX and XXXX charge from XXXX XXXX for {$47.00} on XX/XX/XXXX We bank with Wells Fargo Bank so I called them and submitted a claim for the XXXX charges and an additional XXXX charge I thought was fradulant but was a mistake. They put a hold on the funds for {$170.00} while they investigated. They sent me a letter a short time later stating my claim was denied due to my previous relationship with the vendors and they releasedthe funds. I then called them about the claim letter where they again told me I was being denied due to my previous relationship with the vendors so I requested the documents they used to make their decision as stated in the denial letter. 

They sent the requested documents which was several months of paper bank statements and a breakdown of their decision. We found the disputed charges on the statment and unlike on the Wells Fargo app i usually use the paper statement has part of the name of the restaurant in the description of the charge. I called Wells Fargo again with these recently relized details and the agent confirmed the charge was for a place called XXXX XXXX  after I mistook it for a restaurant outside the US. But they again stated my claim was being denied due to my previous relationship with the vendor and no further action would be taken. 

I looked up XXXX XXXX and it is a XXXX of a kind restaurant in XXXX XXXX Califorina ... .. We live in Virginia . To further reinforce the charges are fradulant my wife made several purchases at physical locations in Virginia on the same dates as the disputed charges which proves we were in Virginia. It was right around the time I was being discharged from the hospital ( again can provide documentation if needed ). Common sense should prove the charges are fradulant because why would we order food on XXXX from a restaurant in California when we live in Virginia? 

I have banked with Wells Fargo for a long time and this is only the second time I had to deal with a claim ( the first time they actually alerted me of the fradulant activity ). I do not feel like my money is properly protected or thebissue properly investigated. The issue remains unresolved. We assume someone gained access to our XXXX account and somehow made the fradulant charges so have chaged our passwords and will be using alternative methods of payment when using vendors like that again.
Product: Checking or savings account

Citibank closed my account after it was compromised. It has been over a month and they have kept funds essential to my familys survival. They have not sent anything in the mail or email.
Product: Checking or savings account

Last year 4 amounts were withdrawn from my account, with a card that was not mine, at an ATM of the same bank, ATM Withdrawal auhtorized on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ATM ID XXXX Card ... XXXX, retired XXXX ATM Withdrawal authorized on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ATM ID XXXX Card ... XXXX, withdrew XXXX ATM Withdrawal authorized on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ATM ID XXXX Card ... XXXX, withdrew XXXX ATM Withdrawal authorized on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ATM ID XXXX Card ... XXXX, withdrew XXXX. 

Wells Fargo Bank has not been responsible and does not provide me with proof of withdrawals that I did not make, I have sent a letter and no one explains what happened, the border has been closed for more than a year, and I can not cross with tourist visa. 
They made fraud with my data. the bank did not protect my account.