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

XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Subject : Request for Account Blocking and Deletion Due to Data Breach Dear Equifax Team, I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

**Accounts in Question : XXXX XXXX XXXX XXXX late payments XXXX balance of {$920.00} **Personal Information : ** XXXX XXXX - XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - SS # XXXX - DOB XX/XX/XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. **15 USC 1681c-2 ( a ) ** : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 
2. **15 USC 1681i** : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 
3. **15 USC 1681e ( b ) ** : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 
4. **15 USC 1681g ( a ) ** : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 
5. **15 USC 1681m** : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 
6. **15 USC 1681n** : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. 

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. 

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 

Sincerely, XXXX XXXX
Product: Checking or savings account

i had individuals manually entering my bank information at XXXX  and XXXX XXXX when i was purchasing items in cash. I have tried to get this resolved by contacting 4 different people bank managers some have seemed to try to help but none have actually helped. The damages are XXXX of dollars It has been going on for over a year and can not get it resolved. Someone has been accessing my account with out my approval. it has gotten better, but the bank will not give me the report i need to resolve the issue. The report that i9 need is a line-by-line entry with the method code. I have seen one of the reports when i first noticed the issue, but i needed further research. As soon as i found the issue and reported it that is when they stopped helping
Product: Debt collection

In the middle of XX/XX/2022, I learned from alerts through my XXXX XXXX account that my XXXX  score had dropped dramatically. When I researched it I learned that collection was being attempted on a debt that XXXX XXXX claimed I had with them .. when I didn't respond, they referred the debt for collection. 

This the text of a letter I sent to LVNV Funding LLC challenging a debt claim. A similar letter was sent to XXXX XXXX. 

________________________ LVNV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference numberXXXX I received your letter of XXXX directing payment on a delinquent account on behalf of LVNV Funding and XXXX XXXX XXXX 
This letter is to notify you that I am challenging the claim. 
1. Ive never had any transactions nor communications with XXXX XXXX. 
2. Ive neither applied for nor received a {$6000.00} loan as your letter describes, however... 
3. My research yields : a. On XXXX someone opened a savings account and acquired membership with XXXX XXXX XXXX XXXX in VA in my name using an email address which wasnt mine and a phone number which wasnt mine. 
b. I spoke with a representative from XXXX who advised that the person also applied for a {$6000.00} loan about the same time. 
XXXX XXXX month later on XXXX the savings account was closed by XXXX as the loan application was found to be fraudulent. The loan was denied and no funds were disbursed. 
d. On XXXX XXXX opened an account and began to add late payment claims to XXXX. This continued until recently, LVNV added a collection/charge off claim with XXXX on XXXX, and XXXX added a, New Non-Medical Collection to XXXX on XXXX. 

____________ The total debt is shown as {$6100.00} I received a letter from Resurgent on behalf of XXXX XXXX XXXX advising that they had initiated a review of XXXX 's inquiry. I don't know how XXXX got involved. I challenged it and filed a complaint with them. 

I've also filed a police report with the local police .. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX advising that I had a checking account with their bank. They report a positive balance of {$6000.00}. I did not open this account. 

***Also .. the email address showing in this form is not correct and even though I am advised to correct it in my profile.. I can't find my profile. The correct email address is XXXX. ***
Product: Checking or savings account

My complaint is against Bank of America, as a remodeling business we did a roof for a customer on XX/XX/year>. Due to issues close to the roof but not related the customer after spending a few weeks trying to get us to pay for the unrelated issues decided they would have there credit card company visa take the entire money back paid for the roof from my acct. The amount included all the labor and material paid out. The worst part is that we were never notified that this was happening until one morning reviewing the acct I noticed that the acct was negative {$17000.00} dollars roughly. To which we soon realized what had happened. This took place back in early XXXX and till this day there has been no clarity as to where I stand with the acct other then the bank closing the acct, we dont know if the customer actually got the money back or not and or if I am going to be expected to do what! The money was frozen without consent or prior authorization. It was simply just done. As a result my wife has a savings acct that at the time my name was on as well that the bank proceeded to freeze as well. Since then my name was removed from the acct but as on now my wife has not been able to access the funds. Can someone please help us, its been a few months that weve called Bank of America in regards to the issues to no avail. The calls consist of our call getting transferred from one department to another and anyone giving us a straight answer or who in reality can help us resolve the matter. Thank you!
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report inaccurate information on my consumer report. This information is damaging my consumer report and causing me to be denied credit. There are several addresses on my consumer report that DO NOT belong to me. I have requested that the reporting agencies remove this inaccurate information and they have failed to comply.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

The only reason i knew of this debt was in existence was when my bank account took a hit and was marked frozen. I was never contacted or pursued. They sued me in Nj. I was informed it was a XXXX account from XXXX acquired by them in XXXX. I was told that XXXX was a client of theirs and i would have to prove a case of identity theft and submit an affidavit of fraud, a police report, and proof or residency from XXXX - XXXX. I feel im being put trough a wild goose chase to prove this is not my debt. I have not lived in the state of Nj since XXXX. I find it is nearly impossible to provide such information.
Product: Credit reporting or other personal consumer reports

I never applied for this credit card XXXX XXXX on XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a debt on my credit report that was unknown to me so I promptly wrote a letter on XX/XX/XXXX asking Transunion to verify. The letter was received by TU on XX/XX/XXXX but I never heard a response. I wrote a follow up letter on XX/XX/XXXX which TU received XXXX but I did not receive so much as a notice from either TU or the debt collector. Finally, I sent a third letter on XX/XX/XXXX that TU received XX/XX/XXXX. They sent a copy of my credit report and said they verified the debt but did not provide a method of verification nor did they provide adequate details. The letter was dated for XXXX a almost four months later! I understand COVID and what not but what I really understand is TU made XXXX XXXX profits last year while I paid high insurance premiums struggled securing credit which has supressed my ability to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, BANK OF AMERICA has added a collection on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and I am no longer responsible for this account. XXXX XXXX XXXX didnt verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature doesnt validate the debt and anybody can send a bill and say its mines. According to the FCRA, BANK OF AMERICA has violated my rights as a consumer and I am requesting legal action to remove the account immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute specific details regarding a charge-off that appears on my credit report. After reviewing my report, I believe that the information related to the date of the last activity is inaccurate. Below are the details of the account in question : Name of Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I believe that the date of the last activity and the date reported for this account are incorrect, which may be affecting the status and reporting of this charge-off. I request that you verify the accuracy of the date of the last activity and update my credit report accordingly. Please conduct a thorough review of your records to ensure that my credit report reflects accurate information. I have enclosed a copy of my credit report, highlighting the specific charge-off entry and date in question, as well as any additional documentation that may support my claim. Thank you for your time and attention to this matter. Please notify me promptly of the results of your investigation and any corrections made to my credit report.
Product: Checking or savings account

Hello, XXXX XX/XX/XXXX my checking and saving account was closed without reasoning or a warning.I have never had any problems on my account which would result in my account closing. I spoke with a representative yesterday about my credit which was suppose to be applied to my account due to a claim XX/XX/XXXX and the representative told me they have XXXX business days, which is ok. My concern is that they normally apply credit the same day so I asked a XXXX why they are treating me differently for this particular claim.Today, XX/XX/XXXX they have closed my account without warning or notification. It was not until i attempted to use my debit card did i realize my account was closed. They told me the same unreasonable inhumane quote in a branch and corporate number that they have the right to close my account without warning or this was a business decision because you have the right does not mean you do so. I have never done anything to my account that i do not have the right to do. This company closed my account a day before they where required to initiate a credit for my claim which was a simple debit card claim. If there was anything wrong with a certain account why wasnt that certain account closed? They closed both my checking and saving account. The refused to give me my money at a branch stating i would receive a cashiers check. How am i suppose to eat and survive, with all of my money just taken and frozen? When will i receive my money? No information was provided to me. I am a XXXX XXXX XXXX hours away from home, for them to take my money with no explanation is very unethical. I have all of my money from other institutions pending deposit at Bank of America I will XXXX extreme hardship for months if this isnt handled. I will do whatever is needed to obtain a lawyer due the unfair practices used in closing the account if this situation can not be fixed.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden XXXX shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Product: Debt collection

Synchrony Financial otherwise known as Synchrony Bank started sending me text notifications in  XX/XX/XXXX regarding a debt for a Wal Mart credit account. I called them up and informed them that I am not the owner of the account, that being a gentleman named   XXXX   XXXX  .
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The customer service agent informed me that I would no longer receive text messages from them. Unfortunately, this was not the case. I continue to receive text messages from them regarding this debt. I have called 10-15 times regarding this and each time, I am informed that this should stop happening. The latest text message came on Saturday  XX/XX/XXXX  at   XXXX   XXXX   from a   XXXX   number.
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The message reads : FRM : Synchrony Bank for your Walmart Credit C SUBJ : Account Alerts MSG : The balance on your Walmart Credit Card has exceeded {$500.00} I am not able to provided dates regarding previous text messages and phone calls. However, I did call them 4 times in  XXXX  at a minimum. I have tried being polite with them and I have tried being a complete asshole. Neither tactic has worked to getting them to stop.
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The debt associated with my cellphone is not mine and I am fed up with being constantly harassed over this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these items in which transunion failed to remove them off of my credit profile. This has caused me substantial harm, and I am unable to apply for a home due to the accurate information TransUnion put on my credit profile, Please submit to me in writing where the courts verify the bankruptcy in writing. The law states if you are unable to verify information, it must be removed. You failed to remove all in accuracies. The bankruptcy court does not report or transmit bankruptcy court records or an other information directly to credit reporting agencies. Please look at XXXX XXXX documentations where it states you must remove all things related to the bankruptcy.
Product: Checking or savings account

I reapplied to open a Robinhood account, submitted the documents they needed, but after a month they continued to ask me for more of my personal, private information, and after I provided it to them, they still didn't open an account for me and tried to continue to ask for my information, and I wanted them to disclose how they were going to use my personal information, but they refused to do so and blocked me from the dialog box. Then agreed for me that the problem had been resolved and refused to give me a customer service number and phone service.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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! 

LIST OF ACCOUNTS BEING CHALLENGED ; COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection Account : XXXX XXXX  account # XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT  # XXXX XXXX AACOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX # XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

On XX/XX/XXXX at XXXX XXXX  I return the instrument to the store they sent in have not been able to find it Today, XX/XX/2024. They found out that I did return it to the store and they have a balance for over {$1000.00}. The amount is incorrect. They refuse to work with me. Ive had to do everything I could to show them proof that I did turn it in, and they still refuse to work with me. they have the full price of the saxophone on my credit report. if she told me the new updated balance which was over {$1000.00} and some change and states that that will be on my credit report I didnt appreciate her threatening me and making me feel very uncomfortable and stressed out. I cant handle the stress that this is causing me.
Product: Credit card

I keep getting a robo call ( XXXX ) threatening me with legal action accusing me of defrauding a financial institution. after i callled them back with a supposed case # they refused me any information like their adress. They told me their name is XXXX in georgia but the calls come from Ohio
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX XXXX XXXX  that was financed through XXXX XXXX XXXX XXXX XXXX in the amount of {$15000.00} in XX/XX/XXXX and the account was paid in full on XX/XX/XXXX. The bank has reported the account paid in full to Transunion and I have filed multiple disputes and sent proof to Transunion multiple times including a letter with a {$0.00} balance on company letterhead to Transunion. I want the account to reflect the account is closed and paid in full. Transunion continues to say it is verified as accurate with the last payment being made in early XXXX with a balance of {$14000.00}. XXXX and XXXX both have the information reported correctly, but Transunion has refused to update my report with the correct information and I have been dealing with this for more than a year now and would like a resolution. Thanks in advance.