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

I have no medical bills with this company. This clearly belongs to someone else. Both my birthday, and SSN have been erroneously reported via XXXX, Equifax and  XXXX XXXX.
Product: Credit reporting or other personal consumer reports

" I've recently checked my credit report and noticed that some inaccurate information was being reported on my consumer report.
Product: Credit reporting or other personal consumer reports

I was the victim of attempted identity theft recently, and put a fraud alert across the XXXX bureaus throu XXXX. I froze my credit with XXXX and XXXX, but I have been trying to freeze my credit with Experian for days now, with no results, and no way to do it. When I call the Experian phone number, the automated system will not put me through to a live person, and directs me to the website. The Experian website does not let me create an account so that I can freeze my credit, or do anything else for that matter. It gives a message " Sorry... we're experienceng technical difficulties. We have been notified about this and are working to resolve this. '' I have attempted to create an account to freeze my computer from multiple computers, multiple web browsers, from multiple locations, for days, urgently, and it's the same error message, and the same inability to create the freeze on the phone. The other 2 bureaus were quick and easy, but Experian is impossible. It's a loop. 
Please, can somebody help with this?
Product: Debt collection

On    XXXX   XXXX   XXXX   a  company by the name of  XXXX  was removed from my  XXXX  credit reports because they were coming after me for a collection on behalf of  XXXX   XXXX   XXXX  in the amount of {$520.00}. I have never had an account with  XXXX   XXXX   XXXX  and definitely have  zero plans of getting one.  As of    XXXX   XXXX   XXXX   I  noticed on my new  XXXX  and  XXXX   credit  reports that the company ERC  ( Enhanced Recovery Corp ) has reported false information on my credit report stating th at an account was opened with them    XXXX   XXXX   XXXX   in th e amount of {$520.00} original creditor  XXXX   XXXX   XXXX  and my payment status is a Collection/Charge-Off. Also the same company reported false information to my   XXXX   credit report as well stating I owe {$520.00} and the account was opened on    XXXX   XXXX   XXXX   a nd my payment status is Refinanced or Renewed. I have contacted the company via telephone numerous times and all of which I was informed it was a simple error and they would removed me out he system and update my reports, when asking for something in writing the cal some how always ends up getting transferred. I feel someone is playing and constantly using my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The Listed accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Equifax, XXXX, and XXXX stated that my account was properly investigated or it meets FCRA requirements. How is that possible when there are still errors and inaccuracies across all three agencies. High balances are different all cross the XXXX agencies, dates last verified are all different, date reported, date opened, and date closed are different or are missing, payment history is inaccurate : This is grounds for immediate account deletion because these are all violations on my credit consumer file. 

Listed Accounts : XXXX XXXXXXXX ( account is suppose to be closed ) ( reported information is all inaccurate or missing across all three CRA 's ) Account # XXXX XXXX XXXX ( reported information is all inaccurate or missing across all three CRA 's ) Account # XXXX XXXX XXXX Auto ( reported information is all inaccurate or missing across all three CRA 's XXXX Account # XXXX This is ground for account removal from all three CRA 's and XXXX relief because my rights have been violated under 15 USC 1681 section 602 A which states my right to privacy 15 USC 1681 SECTION 604 A SECTION 2 which also states a CRA can not XXXX a account without my written instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I transferred {$1800.00} from my XXXX XXXX XXXX to my capital one bank ( Newley open account ) and fraud department put hold on funds with no clear reason I have been calling capital one since hold was place and I still have not received a clear and confident reply all I get is investigation has no limit they advise me to come to a branch and they do not have a branch in North Carolina. Im behind on my bills and Im not getting no where calling bank every week I need my money I have not been contacted by capital one at all
Product: Credit reporting or other personal consumer reports

am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Your recent claims have cast a significant shadow over my financial standing and have the potential to inflict severe harm on my creditworthiness. It is of utmost importance that we expediently and accurately address this situation to prevent any further repercussions. Moreover, I MUST EMPHASIZE THAT I VEHEMENTLY REJECT YOUR POSITION TO DECLINE MY IDENTITY THEFT CLAIM!!! The authority to determine whether I have been a victim of identity theft rests not with your organization but with the established legal processes. Your authority or legal standing does not grant you the right to make such a claim on my behalf. To substantiate the seriousness of my identity theft claim, I am providing you with a legal law enforcement agency report, which was filed with a federal agency. I anticipate that we can resolve this matter within the required 5-day timeframe. Items : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Please delete these items ASAP.
Product: Credit reporting or other personal consumer reports

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( SANTANDER - XXXX XXXX This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction 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 account SHALL be Corrected. 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 ( SANTANDER XXXX XXXX  ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( 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 clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I Review my credit report and I find that there are accounts that are reporting misleadingly. These accounts must be verified in my report in order to prevent more erroneous information on my credit report. 

Please verify these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent the required files and documents to the FEDERAL TRADE COMMISSION or https : //www.ftc.gov, so verify the aforementioned accounts
Product: Credit card or prepaid card

Notice to cease and desist unfair and deceptive trade practices. Please see the attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX Potentially Negative Status Paid, Closed. 
Account Type Credit card Balance - Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX  XXXX Potentially Negative Status Repossession. {$11000.00} past due as of XX/XX/XXXX. 
Account Type Auto Loan Balance {$11000.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute OFFICE OF THE ATTY GENER XXXX Potentially Negative Status Open. 
Account Type Child Support Balance {$5100.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute OFFICE OF THE ATTY GENER XXXX Potentially Negative Status Open. 
Account Type Child Support Balance {$11000.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX Potentially Negative Status Account charged off. {$240.00} written off. {$240.00} past due as of XX/XX/XXXX. 
Account Type Utility Balance {$240.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute
Product: Debt collection

I was contacted by a blocked number and the person stated they were sending a process server to serve me with papers regarding a suit against me. I panicked and asked for more info. The " process server '' said they only had a sealed filed with no info. I was given an XXXX number and case #. I contacted the number and was told that Ace Cash Express was filing charges against me for intentionally committing check fraud. 

The debt is valid and I set up payment arrangements. I made 2 payments and then I had to cancel my card because I lost the original card. I was contacted on XX/XX/18 and told that I had to pay the balance by the end of month or XXXX XXXX would " send my file back upstairs for processing '' due to defaulting on po payment arrangements. Then on XX/XX/XXXX, XXXX   of XXXX XXXX XXXX, left a very detailed message on my voicemail including the amount of my debt and the consequences for not contacting by the end the business day.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have become a victim of identity theft, which has led to several fraudulent entries on my credit report. These 4 unauthorized accounts and 13 inquiries were added without my knowledge or consent.

ACCOUNTS - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already submitted a formal report to the Federal Trade Commission ( FTC ) regarding this incident and now urgently request the immediate removal of these fraudulent items from my credit report.
Product: Credit card or prepaid card

SYNCHRONY BANK/CARE CREDIT GAVE ME A LIMIT OF XXXX AND LATER REMOVED THE LIMIT A YEAR LATER GIVING ME XXXX ONLY. THEY ARE SAYING THEY PULLED MY CREDIT AND MY SCORE DECREASE. I DID NOT GIVE THIS COMPANY PERMISSION TO PULL MY CREDIT FILE. I ONLY GET CREDIT REPORTS THROUGH XXXX/XXXX  AND NOT XXXX. THE COMPANY IS DOING ME WRONGFULLY. I HAVE ALSO PAID MY BILLS ON TIME.
Product: Checking or savings account

A Bank of America SafeBalance Banking account was opened in my name without myself or my wife applying for the new account this evening, XX/XX/2023. I received an email to my gmail account on file with BOA stating an application was in process and then 1 minute later that the application was approved. This occurred at XXXX Pacific when no physical branch would have been open.
Product: Money transfer, virtual currency, or money service

Out of the blue, on a day when i hadnt used my Venmo account ( XXXX XXXX XXXX in a few days, I received an email that my account was restricted on XX/XX/XXXX. Upon inquiring with the business, they then sent me various articles automatically like this would help the issue. I escalated a claim and received a case manager named XXXX XXXX on XX/XX/XXXX. He specifically asked me to upload a copy of my drivers license. At this point zero explanation has yet to be given to me as to why they arbitrarily disabled my account. 

After I uploaded the documentation - the same man " XXXX XXXX. '' said that wasnt good enough ( after clearly asking for just the id ) he now wanted me to send a picture of me holding it .... I have worked in XXXX for XXXX years ... this isnt a thing, if it has become a thing it is massively risky to the company holding this information in the event of a data leak as this could be used to steal my identity in totality. When I pushed back and asked questions I was basically told to do it or dont use venmo. Again, no explanation as to why this is happening. But during this time, {$160.00} balance was unaccessible to be withdrawn or sent. This is a direct violation of various banking regulations such as the Expedited funds availability act, or 12 CFR Part 1005 - Electronic Fund Transfers ( Regulation E ). If they are going to act like a bank they need to be held to the same standards. 

As of writing this XXXX MONTHS later, my account is still suspended. I uploaded the proper documentation and am talking to a lawyer about sueing PAYPAL, parent company of Venmo for disparate treatment and the copious bank regulatory violations they have committed during this time.
Product: Debt collection

XXXX In XXXX, I filed a complaint with company Ad Astra . I responded XX/XX/XXXX and did not hear back from company. It's been over 60 days and this item needs to be removed from credit report. 

1. Any documentation the company mailed does not show proof of any contracts with Ad Astra. Thus, there is no debt owed to this company. No legal ties created and due to the original company relinquishing their position through selling contract, then there is nothing to pay or discuss.

2. It's been more than 60 days
Product: Credit reporting

I was listed as an authorized user the account is not in my name. I have contacted XXXX and they said they have by law up to thirty days to investigate. I never used the card or signed for anything and now the account is closed showing I am an authorized user only.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX  I submitted complaint number XXXX against US Bank regarding a fraudulent mortgage account being opened in my name, US Bank has subsequently marked that mortgage charged off as bad debt, refusal to apply my payments correctly, refusing to correct errors regarding the deed to my home and adding my wife as instructed and agreed upon prior to closing, our mortgage representative 's refusing to stop the closing and instead she insisted I violate the terms of my contract by filing a Quit Claim Deed knowing the terms clearly state I would be subjected to a mortgage acceleration, their refusal to compensate me for the fees I paid to record the deed and include my wife, they do not hold title to my home and blatantly refuse to take any action ( s ) to locate it, telling my wife and I it was our problem and to contact our county to locate it, closing on my mortgage without having insurance on the property. Which we didn't know about until our agent contacted us in XXXX asking for specifics on our home so he could give that information to underwriting to complete the policy. Now, our escrow is for the amount of {$1700.00} yet our annual premium is {$120.00} less. US Bank refuses to lower my monthly payment accordingly and refuse to issue the {$120.00} escrow overage I will pay each year. Yet, I am forced to honor a contract for a home to which I will never hold a title as XXXX XXXX does not hold the title nor does the seller nor does US Bank. No one knows where this title is and no one will do anything to locate it. As of today XX/XX/XXXX they have clearly and undeniably retaliated after receiving the initial complaint by way of reporting this mortgage to all three credit bureaus four full months after closing, maliciously omitting and/or falsifying my payment history causing yet another negative detriment to my credit score. US Bank reported to XXXX that I made a payment in XXXX XXXX Not only did I not make a payment in XX/XX/XXXX, as contractually my first payment was not due until XX/XX/XXXX, but they have reported the payment was short in excess of {$160.00}. They failed to report any subsequent payments with the exception of XXXX XXXX XXXX To any potential lenders, this would appear that I made a partial ( very first ) payment in XX/XX/XXXX, failed to pay for the months of XXXX, XXXX or XXXX, causing my credit file to reflect a negative payment history. As of today XX/XX/XXXX US Bank reported my mortgage account to XXXX and XXXX and failed to report any payment history whatsoever. I have disputed this information with all three credit reporting agencies. Thankfully, my wife is seasoned in credit and finance with a 23 year finance manager portfolio, which prompted her to obtain copies of all three of my credit files, immediately after I submitted the first complaint. Neither of the three credit files reported a mortgage with US Bank. It was not reported until today XXXX XXXX XXXX  This is clearly a malicious retaliation from US Bank and a deliberate action to further the detriment they have caused to my credit score.
Product: Checking or savings account

Sometime in XX/XX/2023 I just received a debit card from M & T bank but did not open an account in any form whether in person or online. 

Thank you very much!
Product: Debt collection

On XX/XX/year> I received a letter from Fair Collections & Outsourcing dated XX/XX/year> notifying me that they were a collection agency attempting to collect a debt from an apartment lease. The letter also stated that I had until XX/XX/year> to send them in writing a dispute the debt. I sent by certified mail on XX/XX/year> a letter stating that I was a victim of identity theft. In the letter, I requested that in accordance with the Fair Debt Collection Practices Act, that they stop collection proceedings and that they notify the business where the account was opened that the debt is the result of identity theft. I also requested copies of all records relating to the account, including : account applications made on paper, online, or by telephone, account statements or invoices, records of payment or charge slips, delivery addresses associated with the account, records of phone numbers used to activate or access the account, signatures on applications and accounts, and investigators report. Additionally, I requested they sent me a letter explaining what they have done to : inform the business where the account was opened that the debt is the result of identity theft, stop collection proceedings, and stop reporting information about the debt to credit reporting companies. With the letter, I sent a copy of my FTC Identity Theft Report, a copy of my driver 's license as proof of identity, and CFPB 's notice to furnishers of information. USPS records the letter was delivered and left with an individual on XX/XX/year>. On XX/XX/year>, I received another letter from Fair Collections and Outsourcing dated XX/XX/year>. The letter stated that they needed more proof, including ID Theft Affidavit, Mortgage Statement/Lease Information, and Utility Bills . On XX/XX/year> I sent copies of all requested documents, along with a letter requesting again that they send me all copies of documents relating to this debt and to stop collection proceedings. I also requested again that they send me a letter explaining what they have done to : inform the business where the account was opened that the debt is the result of identity theft, stop collection proceedings, and stop reporting information about the debt to credit reporting companies. Included with the request and documentation was a copy of the Notice to Furnishers of Information. On XX/XX/year>, I received another letter from Fair Collections and Outstanding dated XX/XX/year> that the account has already been reported to one or all of the national credit reporting bureaus and requesting payment for the debt. I have been fully cooperative with them and sent them all the requested information in a timely manner. They have not sent me any of the documents I requested or any information explaining what they have done. They also reported the debt and attempted collection after being notified of the identity theft and receiving supporting documents prior to the deadline provided by them for disputing the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Equifax I just noticed on my credit report that there were XXXX hard inquiries. Now I never made those inquiries or authorized an company or agent to run my credit for possible goods, credit or services. I never authorized or applied for services from XXXX XXXX XXXX, I never sought credit from an account listed on my credit report as XXXX or from another account listed on my credit report as XXXX. I never applied to any program that would result in a hard pull on my credit report. I am therefore asking you that you please delete these inquiries from my credit report please.