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

It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I am not familiar with them. I have asked the CRAs for debt validation ; however, the information has not been provided. Due to my information being exposed, I have submitted an FTC report complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, and a copy of the XXXX report showing my information has been exposed in a national database and a validation of debt letter.
Product: Credit reporting or other personal consumer reports

LVNV funding llc has violated Fair Debt Collection Practices Act in its duty to report accurate information to the credit bureau. This company has unscrupulous in its handling of information reported to my consumer report by circumventing the statues of limitations and reaged a debt originally held by Credit One. They have illegally submitted false information about a debt to the credit bureaus way past the XXXX limitation in an attempt to cause financial hardships apon me deliberately and maliciously. After speaking with XXXX XXXX the supervisor of XXXX XXXX XXXX  cards on a recorded line and I also recored this conversation for proof of LVNV Fundings blantent disregard for the law or my rights that are under protection of these laws. XXXX XXXX stated the last day of payment was XX/XX/XXXX and the debt was sold to a third party collections on XX/XX/XXXX. That would make the account that LVNV is reporting and updating to my reports well over XXXX old. LVNV is reporting this account as accurate and opened XX/XX/XXXX which is in direct conflict with the truth and in violation of the Fair Credit Act.
Product: Debt collection

Appointment was made at XXXX XXXX XXXX for my son to be seen by an XXXX  XXXX. I was not told he needed a referral by his primary care doctor in order for my insurance to cover. 
I was scheduled for the appointment and my son was seen. Insurance was provided upon checking in at front desk. Once finished with consultation, I was told I didn't owe anything that they would bill my insurance. Thereafter, days later I was told that my insurance did not cover the visit because I needed a referral from primary doctor and was billed the consultation. 
I did have to go back to his primary doctor to obtain a referral so my son can continue to be seen by XXXX XXXX, XXXX XXXX XXXX. 

I was caught by surprise with the unexpected medical bill.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to formally dispute three collection accounts that appear on my credit report. I believe these accounts contain inaccurate information and violate my rights under the Fair Credit Reporting Act ( FCRA ).

According to Section 1681s-2 ( a ) ( 3 ) of the FCRA, a debt collector is prohibited from misrepresenting the identity of the creditor, specifically stating that they are the original creditor. In reviewing my credit report, I found that the collection agencies for the following accounts have inaccurately stated that they are the original creditors : XXXX XXXX XXXX XXXX American Collections Entrp XXXX XXXX XXXX These misrepresentations not only violate the FCRA but also harm my credit standing and my ability to secure future credit. Therefore, I request the immediate removal of these accounts from my credit report due to this illegal activity. 

I have attached the relevant documentation regarding these collection accounts for your review. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of my dispute. 


Attachments : XXXX Documentation
Product: Credit reporting or other personal consumer reports

I'm filing a complaint against your agency because you are in violation of 15 U.S. Code 1681e ( b ), 15 U.S. Code 1681i ( 5 ) and 15 Code 1681a ( 3 ). This account is listed as a medical account with no name of the creditor or an account number. I demand you to delete this item from my credit file or I will seek litigation. I have also attached an invoice for violations of the 3 items. Payment is to be remitted to the address on the invoice. The remedy is being pursued in relation to Rule 55 of the Federal Rules of Civil Procedure and 28 USC 2201.
Product: Mortgage

I have had a very difficult time with Nationstar. It originally started with XXXX, then XXXX XXXX XXXX. I am now with Nationstar. I have never been offered help to save my home. I am 9 years late with an 8 % mortgage. We are over our hardship and would like to apply for a modification. We have never received a modification. Nationstar is saying XXXX XXXX is our investor and they do not do modifications. They refuse to offer help to save my home. I know for a fact that is not true, XXXX XXXX does loan modifications. For the the past 9 years the lenders would not help me with modification to avoid a foreclosure. Because of there dysfunction by mortgage is huge from interest and fees.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft due to a recent data breach. As a result, several fraudulent accounts have been opened in my name without my authorization. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am requesting that you immediately block and delete the following accounts from my credit report : Fraudulent Accounts : XXXX. XXXX  XXXX Account Number : XXXX Date Opened XXXX XXXXXX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX  XXXX Account Number : XXXX Date Opened : XXXXXX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Checking or savings account

I had an account at PNC Bank with a {$200.00} balance. I had never received a fee on this account. I never received any mail or any communications from PNC. All of a sudden, I received a statement that shows my {$200.00} balance along with two {$7.00} fee withdrawals for having a low balance for a total of {$14.00}. I received no notification to the fact that PNC would start to withdrawal a XXXX XXXX  monthly fee due to my low balance. I called and the rep was not able to refund the fees. I was escalated to an " executive team member '' who showed no empathy for my situation and was not willing to do anything to help me. She acted like she was listening to me but she was just checking the box by having the conversation with me. In my opinion, this is simply PNC 's way of bleeding accounts so that they don't have to do extra work when accounts become dormant and or escheat.
Product: Credit reporting or other personal consumer reports

**Subject : Request for Reinsertion of Account on Equifax Credit Report Account Number XXXX To Whom It May Concern : I am writing to request the reinsertion of my XXXX XXXX account ( account number : XXXX ) on my Equifax credit report. I have recently reviewed my credit reports and noticed that this account is not currently appearing on my Equifax report, though it has been reported accurately with other credit reporting agencies.

This account is in good standing and accurately reflects my credit history with XXXX XXXX, so I believe it should be included in my Equifax report. The absence of this account affects the completeness of my credit profile, and I am requesting that XXXX XXXX take steps to ensure it is reported to Equifax as part of my credit file.

Please let me know if there is any additional information required from my end to facilitate this reinsertion, and thank you for your attention to this matter. I appreciate your assistance in helping me maintain an accurate and complete credit report.
Product: Payday loan, title loan, or personal loan

This loan was taken on XX/XX/XXXX, I filed chapter XXXX bankruptcy in XXXX. This loan was paid off in this bankruptcy and the company was contacted by the law firm that represented me. I found out this year the loan is still open under my name, I contacted this company to find out why. The first representative was very rude but I was told the loan was closed and discharged due to bankruptcy I asked her to please forward this info to the state and I was told have a nice day and hung up on. I called again and I was told they never received information about my bankruptcy and was I sure I added them to it. I told her yes and she asked me to send over paperwork which I did. I called this morning and was told that I need additional paperwork. This is ridiculous bankruptcy is public record I have all my paperwork and should not have to jump through hopes to get them to follow the federal laws. I am very upset.
Product: Student loan

Unbeknownst to me, my son ( XXXX XXXX XXXX ) took out a Parent Plus loan for online classes with the University XXXX XXXX. He attended class for a day and advised XXXX counselors he could not avail himself to attend anymore classes. XXXX ( or Sallie Mae ) sent him the remainder of the loan which he never returned. I reported the fraud to Sallie Mae and was advised to go to the police and file a report. I did so but for some reason, Sallie Mae representatives and the police department were unable to resolve the problem. Now I am getting the hit on my credit and made to pay the bill. FYI, the police has the fraudulent signature card which XXXX, my son, had submitted. Everything else was digitally signed. I have filed an affidavit to Sallie Mae stating the loan was not authorized by me. I would like this issue resolved and the loan taken off of my name. I will not pay for a loan I did not authorize, incur, or had knowledge of at the time it was taken out.
Product: Credit reporting or other personal consumer reports

Capital One is reporting fraudulent and inaccurate account information about me to the credit bureaus ( XXXX, XXXX, XXXX ) I discovered several fraudulent unauthorized charges on an account XXXX I had with Capital One, I filed a police report, a identity theft report and a affidavit. I would like this account removed from my credit report until after the police investigation is complete. Capital One has offered to have a statement placed on my account saying that I dispute the charges but that is unacceptable because negative information from the charges are affecting my credit rating and causing me to miss out on favorable credit opportunities. Capital One supplied me with copies of statements as evidence of verification of charges but they showed me no transactions with my signatures. The Fair Credit Reporting Act says I have a right to have accurate information reported about me so this account should be removed until XXXX enforcement is finished with investigation. If this fraudulent information is continuously reported about me I will have to seek out legal counsel to seek compensation.
Product: Mortgage

Bank of America lost payments Changed Account # s and Charged Bogus Late Fees
Product: Checking or savings account

On XX/XX/XXXX I discovered that {$2000.00} was taken out of my account on XX/XX/XXXX. When I called customer service to see what happened they told me that I had written two checks, # XXXX for {$1500.00} and check # XXXX for {$500.00}. I let them know they were fradulent checks. I asked when those original check numbers went through the first time and was told XX/XX/XXXX. I dont know why the bank allowed the same check numbers to go through twice. They advised me to contact bank manager on next business day and told me they would send an email to them about the situation. I went to the manager,  XXXX XXXX with Bank of the West on 9/10/18. She was uncooperative and very unprofessional and kept telling me that BOTW would not take action, it was up to the bank that received the funds to take action. I went in to BOTW again on XX/XX/XXXX. Completed a notarized affidavit about checks as she still would not take action. Was assured by bank manager she would contact me on status of case on XX/XX/XXXX. On XX/XX/XXXX went back to BOTW with a letter from other bank involved that the fraud issue has been resolved and the funds were returned to BOTW. I was told that I still can not have my money because the BOTW claims department rejected the claim for no police report number. Manager never called me to let me know they didnt receive it. Filed a police report with the other party involved on XX/XX/XXXX and emailed it to BOTW manager on XX/XX/XXXX. I have been a BOTW customer for more than 10 years. I was never contacted by BOTW about ths situation, before the funds were released or after the fraud was reported. I am still currently waiting for the funds to be returned to me.
Product: Debt collection

I have identity theft problems, it turns out that they opened a credit card account with the CAPITAL ONE BANK company with my documents, I reported and sent them the identity theft document saying that someone opened a secured card and left it to pay with my information Now the bank reports late payments and tried to solve the problem and for the bank to delete that account since it is not mine, I was able to get the account number with the credit bureau and made several disputes but when the credit bureau did the investigation and they contact the bank claiming that it is mine but they do not send me proof since I had an identity theft and I let them know. 

CAPITAL ONE BANK : # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX - XXXX XXXX  # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION / XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX 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 has violated my rights. 

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 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.
Product: Checking or savings account

Chime has been providing secret backdoor access to my account which has involved the loss of assets believed to be in the thousands of dollars. It is difficult to ascertain the true amount of losses as I have limited access to the " my account '' and I have absolutely no access to a person at Chime to address these issues. Further upon information and belief there is another person, unbeknownst to me, who has secret, unauthorized primary cardholder status to the account and I am merely an additional cardholder. This setup was done, if done, without my knowledge and consent. What is happening in the background is that because of this setup I am loosing enormous amounts of money to which I am not supposed to know that I am loosing and which amounts are being debited against the account with which I am not supposed to know. This corrupt fiduciary behavior is causing and has been causing me severe financial and emotional distress. And as stated earlier, there is never a person available at chime to speak with. Chime closes chat sessions the moment I establish these sessions. So I am completely in the dark with respect to managing this account and this behavior is not consistent with a bank and bank regulations regarding the handling of customer assets.
Product: Vehicle loan or lease

CREDITO REAL USA FINANCE , LLC XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX. HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$7400.00}. I HAVE PROOF MY CAR INSURANCE PAID FULL BALANCE!
Product: Credit reporting

My legal name is different than my AKA name and i am having issues connecting with the credit reporting companies to make the correction. All my credit is in the AKA name and i need Transunion, XXXX and XXXX to make corrections to my name and address
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Collection Account # : XXXX Information belongs to someone else ( Identify theft, fraud, error ) Im sending this complaint requesting validation of this debt you say I owe you. Please review additional information attached to this complaint as for address verification. Thank you!
Product: Debt collection

for the last 3 months, Portfolio Recovery has been calling my place of work harassing me and not willing to remove my work number, my employer has found out and is taking action against me for having non-work related phone calls at work. Personal phone calls are not allowed. I never gave the collector or anyone my work number
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

After checking my credit report this afternoon I noticed that there are some inquiries that I did not authorize.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Product: Credit card or prepaid card

I received a letter ( dtd XX/XX/19 ) from Best Buy Credit Services stating that they were unable to process my application for a Best Buy Visa Platinum because there is a security freeze on my credit report. I never submitted an application for a Best Buy Visa. 
When I called the Manager, credit Review at XXXX and spoke to " XXXX '' I was told that the application included my social security number and date of birth. I asked how Best Buy obtained this sensitive information. XXXX told me the credit card application took place at the cash register when I made a purchase on XX/XX/19 at Best Buy store # XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. XXXX recommended I speak to the manager at that store. 
I went back to the store and spoke to " XXXX '', the acting general manager. She printed eleven pages of the " ejournal '' for my transaction on XX/XX/19 showing the transaction line by line. There was not sensitive information in the ejournal. She said she would look at the security tape for that day and call me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous accounts and inquiries that are on my credit that aren't mine.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX Balanced {$1400.00} XXXX XXXXXXXX XXXX Balanced {$810.00} XXXX XXXX XXXX XXXX Balanced {$990.00} XXXX  XXXX XXXX Balanced {$830.00} XXXX XXXX XXXX XXXX XXXX Balanced {$2000.00} XXXX XXXX Balanced {$1200.00} XXXX  XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$820.00} XXXX XXXX XXXX XXXX Balanced {$960.00} XXXX  XXXX Balanced {$0.00} XXXX XXXX  XXXX Balanced {$1200.00} XXXX XXXX XXXX Balanced {$630.00} XXXX XXXX XXXX Balanced {$890.00} XXXX XXXX XXXXXXXX Balanced {$440.00} XXXX XXXX  XXXX Balanced {$2400.00} XXXX XXXXXXXX Balanced {$3200.00} XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$0.00} XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX Balanced {$870.00} XXXX XXXX Balanced {$350.00} XXXX XXXX  XXXX Balanced {$5700.00} XXXX XXXX XXXX XXXX Balanced {$1100.00} XXXX XXXX XXXX XXXX Balanced {$1600.00} XXXX  XXXX XXXX Balanced {$100.00} XXXX XXXX XXXX Balanced {$62.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX XXXX Balanced {$3400.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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  XX/XX/XXXX
Product: Credit card or prepaid card

While reviewing my Best Buy statement I noticed a charge for " Fees '' in the amount of {$15.00}. I called Best Buy and was informed that the fee was for " fraud/credit protection ''. I stated to their representative that I never ordered this coverage and did they have any documentation of me ordering such coverage. The rep. said no. I asked how long have you been charging this fee. I was told, " Since 2009 ''. 

I couldn't believe it. I asked for the protection to be cancelled and refunded. Their representative cancelled the service and stated that he would forward a request to the appropriate department. 

I received a letter today from Best Buy Credit Services informing me that " Because your account was protected by the program benefits through the end of the billing cycle in the month in which you cancelled, any previously billed fees are valid and non-refundable. '' I will be sending Best Buy Credit Services a response stating that the fees are refundable because I never ordered Enhanced Debt Protection. 

I appreciate any assistance in recouping my over 11 years of unauthorized charges. 

Thank you ....