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

Two hard inquires on my credit without my authorization or consent for 2 registered companies under XXXX : The Company XXXX XXXX XXXX and The Company XXXX XXXX These were both done without my knowledge or consent or signature to allow for any credit check. I made absolutely No Attempt to retain any services from these companies. 

This looks like Identify Theft which also seems to be stemming from Equifax posting false Inquiries to my Credit report. 
Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up with Experian Boost a year or so ago. I have no upgraded account, its all supposed to be free. I never gave my debit card info but I had a bank account linked. Ive been charged {$21.00} for months now by XXXX. I noticed it late because I thought it was a different bill. Theres no option to look at what Im being charged, to cancel it, or to delete my account. If you call the customer service number they wont let you talk to a person and they put you on hold for hours. When I finally got ahold of someone, I was told it was for offline services and I needed online services and given a different number. The other number is impossible to get ahold of someone. I was charged a {$1.00} on XX/XX/19 and then charged {$21.00} on XX/XX/19. Ive never used XXXX XXXX. Theyve charged me {$21.00} every month since then. Always on the XXXX or XXXX. So theyve taken almost 300 dollars from me that I didnt approve of at all. I dont even know how they got my card number. Id like my Experian account deleted. I want it gone. I wont be using it anymore. Its supposed to be free and the boosts wont even work anymore, Im assuming since I refused to upgrade my account. I plan on shutting my card off and getting a new one and filing fraudulent charges for what I can, but I should be reimbursed the money that they took. I was never using XXXX XXXX services and I couldnt even use the Experian services I was offered.
Product: Credit reporting or other personal consumer reports

After reaching out to Experian multiple times regarding an account that's reporting to my consumer report asking them to provide to me the proper documentation asked, they failed to do so. The account that's in violation is negatively impacting my credit score impairing my ability to obtain certain necessities in life. I asked them to provide to me written consent from me for them to furnish a consumer report on my behalf in which they haven't. In accordance to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ), Experian never had the proper consent to furnish my report which was made before I established any credit relationship. I am aware of 15 U.S. Code 1666b - Timing of payments ( a ), and that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless they've followed the proper procedures by sending me a periodic statement every month no later than 21 days before my payment due date. Never did the creditor send me the proper documentation that was required monthly but yet they've still reported my account late. As a consumer I have a right to privacy which was violated. Pursuant 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, a creditor must explain to me how I can exercise my right to opt out of my personal information being shared in which they never did.

Below is the violations committed by both the creditor and Experian : 15 US Code 1666b - Timing of payments 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b )
Product: Credit card or prepaid card

I received a bill in the mail from Chase for a credit card I did not have. Although it looked legitimate, I doubted that it was real. I looked up the phone number on the actual Chase site and called. After verifying my identity, they confirmed that the account had been opened and marked it as fraudulent. They notified me that the individual that opened it used 'my social security number ' and they are investigating it.Charges of {$5600.00} on that card that had been opened for the full bank statement duration. 

Chase told me to contact XXXX and supplied me with the number. I called XXXX and opted for the credit freeze option. 

My concern is this may be just the beginning of accounts opened in my name although the credit report I viewed showed no activity, I recognize that it and possibly others simply may not be logged yet. 

Chase is handling it correctly, XXXX took proper action in my opinion. I'm simply wanting to ask if there's more I should be doing to lock down my Social Security number to better protect myself. 

Please help where you can. Thanks
Product: Debt collection

XXXX XXXX XXXXXXXX has now infiltrated 2 of my credit reports in an attempt to insert fraudulent filesXXXX XXXX XXXX XXXXXXXX has stated they have a XXXX account under my name. I have had XXXX XXXX  and phone for over a decade. XXXX XXXX XXXX never notified me with a letter and instead market credit down for an account they fraudulently made and hope to sneak on while Transunion and Equifax have legal issue. XXXX XXXX XXXX XXXX XXXXXXXX should be held liable for this deceptive measure
Product: Credit reporting, credit repair services, or other personal consumer reports

Original account opened for a Web Bank account number XXXX in XX/XX/XXXX, not XX/XX/XXXX, debt collector violated FRCA, listed an old debt as new, " re-aging '' a debt is violation under FRCA. XXXX XXXX opened the account in XXXX not consumer. Account age is wrong. Filed disputes that have gone ignored or a generic response not addressing what I have stated in the complaint/dispute. I am the consumer that will take Experian to XXXX court if I have to, apparently it's the only way to get them to listen.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my husband and I received a call from Wells Fargo and were told our accounts had been hacked. In order to prevent the money from being stolen, I was told to wire the {$9100.00} in the account to myself. My full name and information were on the wire account. This Wells Fargo person had all of our personal information ; social security numbers, passwords, home address, and had already moved money between accounts to consolidate the amount stolen. Once we realized what happened i contacted WF immediately to prevent this theft. I was put on hold and told they would file a case. Today, XX/XX/XXXX, I was told our case was denied and WF would not recover our stolen money. My account was not even set up for wire transfers, and the money went to someone XXXX dont know in a state I dont go to or know anyone. This transaction should have been flagged immediately. I can not even take more than a couple XXXX dollars from an ATM, why would they allow {$9100.00} to be instantly wired and not contact me? Wells Fargo did nothing to protect me or my money, then denied my claim and said it was my fault. As a large banking institution it was their responsibility to refund my stolen {$9100.00} and go after the thief. They have insurance to handle these fraudulent transactions but just declined my claim rather than assist a victim of theft/fraud. I was kicked when I was down by a company that should have protected me, or in the least make some effort to try.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX CT XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXXXXXX, OH XXXX ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXXXXXX Balance : {$390.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$5400.00} ; XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1100.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$100.00} ; XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX  XXXX Balance : {$2000.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

True accord contacted me by letter XX/XX/2023 I received it on XX/XX/2023 claiming I owe a debt to Jefferson Capital Systems and that I can pay the debt to True Accord. I sent a certified letter which was received on XX/XX/2023 by an agent named XXXX XXXX. I was requesting information on the alledged as follows. 
Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt.

Date this alleged debt became payable.

Date of original charge off or delinquency.

Verification that this debt was assigned or sold to a collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful.

Not only did they not respond but they continued to have collection attempts reported on my credit report the entire time which is a violation of fair debt collection practices.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Dear XXXX This letter highlights an error that was discovered in my most recent credit report, related to the account listed below : Account : XXXX XXXX  : XXXX, Reported account does not match the reported accounts from the other bureaus. Remove the damaging accounts from my credit report. 

I am concerned about this inaccuracy in my credit report. Making a mistake like this could damage the account 's financial reputation. 

To top it off, this error is concerning. One expects that critical data that influences important financial choices will be handled with extreme caution to guarantee accuracy. The existence of this error raises questions about how effective the procedures used are. 

Pointing out that customers have the ability to dispute and have errors in their credit reports removed is crucial in light of the Fair Credit Reporting Act ( FCRA ). Customers have the specific right to contest information in their credit files, and Section 611 of the FCRA requires credit bureaus to look into the contested items. 

In keeping with these goals, this letter requests that the recognized error be fixed and my credit report 's accuracy be restored in accordance with the FCRA 's Section 611 requirements. Feel free to get in touch if you require any more details or clarification. I appreciate you giving this urgent matter your attention. 


Here 's the law US Code 1681 e ( b ) collections must be 100 % accurate across all 3 bureaus Best regards.
Product: Debt collection

I had an invoked power of attorney over my father who was deemed XXXX  early in XX/XX/2018. I made dozens of calls to NFCU overseeing his accounts to prevent any more fraud and theft from occurring. I had a valid POA in place and the very person who had abused him financially was then allowed to take over his financial through a fraudulent document and phone calls by manipulating the system/him and calling in saying he wanted my valid POA to be revoked and to place her in control. They went with the criminal activity all along, which in essence is aiding and abetting crime. He was XXXX by two medical doctors, in a locked XXXX unit, and had no ability to make XXXX XXXX. NAVY FEDERAL should have protected his accounts by not allowing the theft to occur as I gave them all evidence prior, during and after the fact. I have continued to fight to get this money back that was stolen from my father and that NEVER should have been, had Navy Federal done their job. There is no way his financial documents should have been taken over and diverted, period. There is no question as to the FRAUD that took place. He was XXXX! My power of attorney was invoked to protect him. They not only did not protect him but have given me the runaround for the past 7 months trying to dispute this. Credit Union NAVY  FEDERAL CREDIT UNION Desired Resolution They need to take responsibility for allowing a XXXX XXXX   adult who was in a locked XXXX to be the victim of upwards of {$20000.00} in theft by a known perpetrator. They need to refund his account as they ALLOWED the theft to occur. They did not do their background check and erroneously took part in this crime and argue that he should be held responsible. 
While this is not technically Identity theft per se, it is similar, as the person who stole form the account holder impersonated herself as some one who should be given the POWER of Attorney under false pretenses. She knowingly and willingly knew she was not to touch any of his financial accounts. She had just been deemed to have exploited him in a state investigation for elder abuse. This was all conveyed to the NAVY FEDERAL credit union, along with phone numbers and documented paperwork. She in no way had any notarized power of attorney, had not revoked mine and no authority to take over his funds and steal from him. The fact that NFCU is in my opinion a crime, as I worked tirelessly to protect him and what they did is not only help the perpetrator but force me to get an emergency court injunction, adding thousands of dollars in legal fees.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am XXXX XXXX, loyal customer of Bank of America from past more than 5yrs.  I have credit card ending with XXXX and credit limit is XXXX $ for this card. 

I have not used this card much in the last year and i have very less balance and i paid it off up to date. I have lost my wallet last year and when i opened my online account recently i have noticed has been lot of fraud in my account. I have only few automatic transactions which i authorize and rest all is fraud which totals XXXX XXXX Now the balance of my card if over the limit and it is effecting my credit history very badly. 

i have raised fraud claims in XXXX and initially claims have been resolved in my favor and i had a credit in my account. Suddenly all the transactions have been reversed on my account saying i possess the card with me. So the claims have been opened wrong by one of your customer representative. I have been continuously calling to Bofa from XXXX almost every day and you can listen to all call recordings. 

i have reopened the claims and its been more than 90days. I have been talking to so many so many supervisors and asked help. None of them could help me. I am having covid and i am suffering financial hardship very badly. I am waiting for these claims to be resolved so that i can use my card. 

Recently on XX/XX/XXXX, claims have been resolved in my favor and i received letter of same. Not sure how much is the amount of these claims and there is no credit applied to my account. Supervisor XXXX XXXX from existing claims have been helping me and he said he escalated the issue but still there is no change on my account. I am really very very much frustrated with this and I urgently need help with my account. 

Please help me and you can reply me or call me to XXXX for more details. i am not at all happy with Bank of America now and i urgently need help on this. 

Looking forward for reply, Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am writing you today to inform you of a negative credit reporting of XXXX points that has dropped from a closed XXXX XXXX account. I spoke with a representative about the situation and explained to her I didn't know my deposit bounced and I had no email or phone call regarding such issues. She goes to inform me to rest assured because she will dispute and remove the negative reporting off of my credit only to log back in to check my credit a couple days later to find out you all have reported negatively on my credit AGAIN after she has taken it off for me. On the XXXX she removed it and you all put it back on my credit on the XXXX. Due to me being in the process of buying property this is hurting my score tremendously and I am not able to move forward in the process. I would like for you to remove the negative impact as the representative promised before. Please and thank you in advance.
Product: Credit reporting or other personal consumer reports

My social security number is XXXX On XXXX  credit report and equifax Credit report and XXXX XXXX report there are negative items that supposed to be blocked from my credit report I have filed a federal trade commission identity theft report on file please have XXXX  and equifax and XXXX XXXX removed these negative items from my report
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

onXX/XX/XXXXXXXX I submitted a validation request letter to Wakefield and associates. Ive attached what I received back, which as a consumer, Im not sure how they expect me to understand their print off and pieced together " validation ''. nothing on here reflects amounts or the providers that are showing on the credit report. 
I sent a follow up in XX/XX/2021 and haven't heard back yet. Ive attached both letters Nor- did they send me a XXXX release form with my signature on it. This is a violation of my FCRA, FDCPA, and XXXX rights.