23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year>, a credit card with BARCLAYS BANK DELAWARE Account XXXX was opened in my name. A card and packet was sent to my address. When received I call the number on the back of the card and reported that it was fraud and I wanted the account closed. I was transferred finally to the fraud department to someone who barely spoke english and was assured the account was closed. 
I then called the XXXX number for Barclays to report the card as fraud. I did not apply to the account nor want it. 
There were XXXX other incidences of fraud on me that same week. XXXX XXXX, XXXX and XXXX XXXX. I have rectified both of those myself. 
This Barclays account will not go away. I filed a dispute with XXXX and all they did was verify that it was a valid account. 
Again, I did open the account and do not want it on my credit report nor out there in the www for someone to use. Please help me resolve this issue. 
I have filed another fraud report and dispute with XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FRA 605B ( 15 U.S.C. 1681c-2 ) that you, the experian 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 Contract Callers accounted opened XX/XX/year> # XXXX with account balance {$660.00} 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: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureau regarding accounts that are inaccurate and that Im not aware of and have no obligation to. Credit bureau is still reporting the account ( s ) and not sending requested information.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain fraudulent accounts and unauthorized inquiries from my credit report under 15 U.S.C. 1681c-2 ( a ) and FCRA XXXX ( b ). I have recently been a victim of a data breach, resulting in identity theft. The following accounts and inquiries are fraudulent and must be removed from my credit file : Fraudulent Accounts : XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$410.00} XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$520.00} XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$330.00XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$320.00} Unauthorized Inquiries ( all dated 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The companies listed below violated my federally protected consumer rights. 

XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C . 1681 a states I have the right to privacy.

15 U.S.C. 1681 Section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Received a phone call last month from XXXX XXXX on XXXX/XXXX/15 from ARA ( Asset Recovery Assoc ), he called my home and spoke to a gentleman and before the phone call was over he called the man at my house a " bone head ''. The person at home called me and was very upset that this unknown agency called my home phone for me and was that rude. So I called XXXX back and he was very RUDE. He did n't want to talk about how he was rude to the person at my home all he would say was he was threatening to file a judgement against me for an old account that is 15 years old ( or older ). The threat of a judgement frightened me cause I want to move and do n't want any negative information on my credit report. He told me that I have good credit ( how could he access my credit report? ). So I wanted to address the issue of him being rude when he called my home first off, that 's when XXXX went on to say well I see you do n't want to pay this bill so I will go forward with this judgement ( with a nasty attitude ). So I asked to speak to his supervisor because he was being so rude. So he put XXXX XXXX ( who claims to be a supervisor ) on the phone and XXXX said I have a {$1700.00} balance on a particular account that needs to be settled and that I can settle it today ( for {$800.00} ) and I said I do n't have that kind of money so he insisted on a payment which I paid {$100.00} on XXXX/XXXX/15 so he said I have until the end of the month to pay another {$700.00} to settle this account and I said I do n't know if I 'm going to have it so he said I will give you until XX/XX/XXXX to pay the {$700.00} if you do n't have it I will give you until XX/XX/XXXX to pay a total of {$1000.00} to settle the account but by XX/XX/XXXX. you have to make another {$350.00} payment so I did make that on XXXX/XXXX/15. So that left I had another {$550.00} to pay by the end of the month. Before that initial phone call I had never heard of ARA nor had they ever sent me any letters for collection and they have never showed me proof of the account that they are collecting for. I called the creditor that I owe today to find out about that account and it 's not in their system and I 'm not surprised cause that was over 15 years ago. I called XXXX and was advised to cancel the {$550.00} check ( which I did cancel it ) and investigate and request further information from ARA about the account they are trying to collect from me. And the XXXX referred me to FTC to file a complaint. Everytime I speak to XXXX he 's threatening me with a judgement if I do n't settle this account ASAP and he wont ' accept anything other than a settlement. I 'm a mother with XXXX kids and I do n't need to be threatened by an agency trying to collect on an account that 's 15 years old. They have collected from me {$450.00}. I called XXXX and they have a " XXXX '' rating with lots of complaints. Can you please direct me as to how to stop them from calling me and trying to collect on an account that 's 15 years old. Thanks
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to remove some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible XXXX XXXX XXXXXXXX Balance {$11000.00} XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

These accounts are related to a transaction and experience that falls under the XXXX section of the FCRAs definitions ; rules of XXXX section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report
Product: Credit card or prepaid card

I bought furniture worth about 5K at XXXX and XXXX on 0 % APR, they went through TD bank and as I found out later, it was a credit card. 
I set up auto pay for these payments using TD bank online web portal in late XX/XX/XXXXor early XX/XX/2019 ( I am unclear about exact date ) to be paid directly from my XXXX  XXXX XXXX Checking account. 
In XXXX I was contacted by TD bank stating that my XX/XX/XXXX payment was now 30-59 days late as auto pay does not get into effect until next month etc. 
I have since then paid off the full amount and have XX/XX/XXXXbalance. 
The late payment was reported to credit bureau and resulted in a XXXX point decrease in my credit score. 
It continues to be there and has had detrimental effect on the score. 
I feel that the following practices on the banks behalf contributed to this delay - delay in processing of payments. I had authorized payment to be made much before any due date yet it did not get processed. 
- Once the initial payment was missed I was not informed of this until 59 days later and at which point I immediately paid the account to bring it upto date. Earlier contact would have prevented this delay.
Product: Credit card

XXXX/XXXX/15 I used a Bank America promo check - which was guaranteed no interest for a year. AT the end of XXXX the Statement showed that as I had paid over amt due - that my promo debt went from XXXX to XXXX. So far so good - then in XXXX I overpaid again - but instead of the promo debt going down or staying even it went up to XXXX. WHy? I called 18 times and told all kinds of reasons to be overcharged. Today a so called exec said they do not tell promo balance to members cause they do n't period. SO how is one to know a promo balance in order to make sure it is paid before APR interest collects. My contratc with them says I have 1 year but if they increase my debt each month it will NEVER be paid. 6 hours, XXXX phone calls, XXXX emails and NO assistance. It seems to me they want promo people to default to collect extra interest compounded backwards to make it worse. AT least tell me each month how the promo is going down or remaining the same not going up?????
Product: Credit reporting or other personal consumer reports

I am writing to request the deletion of specific entries in my file, which are listed in the attached report. As a victim of identity theft, I did not authorize these changes. In compliance with the Federal Trade Commission, I have reported this identity theft and have included copies of the FTC 's Identity Theft Affidavit. 

It appears that certain activities about my account contravene multiple sections of the U.S. Code Law, including : 15 U.S. Code 1681 a ( 4 ) - Consumer Right to Privacy. You are reporting fraudulent accounts that aren't mine, infringing upon my privacy rights.

15 U.S. Code 1681a - Definitions ; rules of construction. This law states that transactions are not included in a consumer report. Thus, I demand the removal of all late payments from my report.

FDCPA 807 - Misleading false reporting. The information you are reporting suggests I applied for these inquiries & accounts, which is inaccurate and misleading.

15 USC 1681 n - Civil liability for willful noncompliance. You accepted credit information about me without verifying its accuracy, leading to willful noncompliance.

18 U.S. Code 1028A - Aggravated identity theft. You shared my information with creditors without my consent, which constitutes aggravated identity theft.

15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information. You didn't disclose to me that I had the right to opt-out of this information being shared.

And several other violations, which I have detailed in the attached document.

I kindly request that you adhere to 15 U.S. Code 1681c-2, which requires you to complete this reinvestigation and block or update all information resulting from identity theft within four days of receipt of this letter. Failure to comply will lead to criminal and civil liabilities as outlined in my attached invoice. 

I am the original creditor, and I did not authorize, benefit from, or consent to the accounts and inquiries listed in the attached report. I filed FTC report # XXXX regarding this matter. 

Please remove all fraudulent accounts from my credit report immediately. According to FCRA 605B, this information must be blocked until the investigation is concluded.

Furthermore, as per 15 U.S.C. 1681g, I demand that you disclose all documents recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Product: Debt collection

I was a victim of fraud and because I was I did all I could to request discovery. My requests were intentionally disregarded and now I have seveal collections on my account without sending me validity of debt or discovery Ic system account ( XXXX XXXX ) debt amount N/a XXXX ( XXXX XXXX ) owing {$720.00} XXXX ( XXXX ) owing {$1000.00} XXXX ( XXXX ) owing {$330.00} Stellar Rec ( XXXX ) owing {$1200.00} XXXX XXXX ) owing N/a
Product: Checking or savings account

On XX/XX/2019 my daughter was trying to pay her phone bill online from her account ( my name secondary ) when she realized that the transaction was not successful, she called BOA and was told a fraud wire was deposited to her account fromXXXX and XXXX XXXX, hence a hold was placed on the account. We were further informed that the investigation would take 90 days and we could not access her account. We tried calling during the period without any resolved, on one of these follow-up on XX/XX/2019, we were told our account will be closed to offset the XXXX XXXX customer who was out of pocket. We informed them many times we are not aware of such transactions and need the matter resolved. After we spoke to the customer service rep on XX/XX/2019 they hold all funds on my main account also, ( daughter secondary on account ). 

We visited the Branch at XXXX XXXX XXXX and was told the rep could not assisted us, I had to use my personal phone to call the Fraud dept, which informed us that they will be closing my accounts and ending all relationships. I was most annoyed and frustrated as we have been calling and not getting any updates and no resolution on the matter. We got a letter on XX/XX/2019 saying the accounts will be close and they will report our account to XXXX XXXX and XXXX XXXX XXXX. I conclude that they are accusing us of the fraud before the investigation is completed. My question to them was, why a cash withdrawal was done at the same branch we visited and they cant determine that we the customers are not the persons doing the frauds. See statements and letter attached. Note we only got that only letter when I asked how comes all this happen without any communication from BOA. 
Please investigate on our behalf.
Product: Credit reporting or other personal consumer reports

I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX victim of identity theft. i XXXX XXXX am victim of identity i have never applied for any credit with XXXX XXXX is listed as authorized user which i didnt authorized. i have already spoken with them they stated to reach out to credit reporting agency these needs fi be removed from my credit report. als o the inquiry for XXXX XXXX XXXX XXXX XXXX XXXX lightstream XXXX XXXX XXXX XXXX XXXX is not mine these inquires are fraud and need ti be removed
Product: Checking or savings account

On XXXX XXXX XXXX Bank of America decided to close my accounts ( Both personal and business ) without giving me any kind of written notice. I called them to understand why and if I can access my funds as I have bills/payments/medical payments to make throughout the month. They transferred me to XXXX different people while being on the call for XXXX and a half hours until the last person finally hung up the phone on me. Today ( XX/XX/XXXX ) I walked into a branch and asked if I can withdraw my funds in the form of cashier 's check. They responded saying that I CAN NOT. After I left the bank I called Bank of America once again and spoke to a supervisor. They told me that my accounts are set to close XXXX XXXX XXXX  and I can not access my funds until 30 days after the closing date. I need this to be resolved and be reached out by someone that can handle this issue. I have bills/payments to make and all my eggs are in one basket right now which is Bank of America holding all my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : Chapter XXXX Bankruptcy-XXXX Chapter XXXX Bankruptcy-XXXX Chapter XXXX Bankruptcy-XXXX
Product: Credit card

My payment is 3 days late, they charged XX/XX/XXXX% of my total account in a late fee of {$40.00}.
Product: Money transfer, virtual currency, or money service

Purchase a used XXXX from XXXX XXXX app, the seller called himself XXXX, he ask me 20 bucks for deposit and keep the item as sold status. So I sent he money and drive to the address. He ask me to pay for rest of the balance, so I know it is fraud. And then he disappear and no show on the meeting address.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to authorize nor benefit from the following account. block and remove
Product: Debt collection

Someone stole my identity and got a loan with a company called XXXX XXXX. They've been trying to collect it for over 5 years. I've sent documents related to the identity theft four times now and they still are trying to collect. It keeps getting sold off to other debt collection agencies and they keep trying to collect this debt. 
I will no longer keep sending documents when when I have done it so many times. I believe the original date was XX/XX/2015and approximately {$2000.00}. I did not receive any funds from this company and I will not pay them or any of the five collection agencies that have contacted me.
Product: Mortgage

Obtained a VA mortgage with Wells Fargo on/about XX/XX/2016. 
Terms of agreement as explained to me, was a bi-weekly partial payment ( approximately 50 % of monthly mortgage ) every other week, satisfying the minimum monthly mortgage amount. 

Advantage of terms of agreement as described by Wells Fargo : each partial payment made bi-weekly would be applied toward the principle balance, making it possible to pay down the principle of the loan much faster than if I had made a single monthly payment every 30 days. 

Discovered after perusing through monthly mortgage statements that bi-weekly mortgage payments were not being applied to the principle amounts. Instead, biweekly payments were being held by Wells Fargo until the full amount of the minimum monthly mortgage payment was received by Wells Fargo.
Product: Credit card or prepaid card

Applied for the Chase Sapphire credit card, did not receive the card for a while report never recieved card. Once received the card call the number to confirm received and activated the credit card. However, Chase did not consider that being the promotion start date. As soon as you applied regardless the customer received the card or not is considered the promotion start date. Without notice filed that you are not qualified for the promotion. Misleading promotion, falsify make customer apply the credit card and then charge you annual fees.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per XXXX U.S.C. XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XX/XX/XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent in letters regarding inaccurate reporting false items on my credit report and I have not receive any respond yet. I feel like I'm being ignored of my disputes. This deceptive practices by the bureaus.