23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XXXX My Phone Was Stolen I Filed A Police Report. On XXXX {$2500.00} Was Sent Out Of My Account Using XXXX XXXX & On XXXX Another {$2500.00} Wass Sent Using XXXX XXXX I Disputed With XXXX & They Closed My Claim Saying I Authorized & They Never Asked For My Police Report Number.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of XXXX XXXX. I researched on how to remove the fraudulent items in my report and found that I need to visit XXXX XXXX XXXX or XXXX XXXX XXXXXXXX to file a XXXX XXXX report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an XXXX XXXX report, and mine was under reference # XXXX. Please find the ATTACHED documents to assist in the removing of the inaccurate address and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged XXXX XXXX not later than XXXX XXXX days after the date of receipt.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : ALL DEPT OF XXXX/ ED In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 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 items of information, other than records of convictions of crimes which antidotes 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. 

I demand the collections be removed from my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX
Product: Bank account or service

As an Ebay user i have purchased many items thru PayPal using my secured password, but now my entire credit card & bank account information is listed on Ebay automatically, that includes my PayPal password as well. I have never received any information to allow instant transactions with Ebay thru PayPal, not from Ebay, or PayPal. This is an invasion of my privacy by Ebay, and a security breach by PayPal. The whole reason to use PayPal was to protect my privacy from Ebay and other companies that i purchase item from.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent account ( XXXX ) that have been reported under my name. I recently discovered that the following account ( XXXX ) do not belong to me and were opened without my authorization : Account Number ( XXXX ) : XXXX Date Opened : XX/XX/year> Amount Charged : {$3600.00} I am a victim of identity theft, and I did not open, authorize, or use this account. As such, I request that you : Immediately close and remove these fraudulent accounts from my record. 
Cease all collection efforts related to these accounts. 
Provide written confirmation that the fraudulent account has been closed and removed. 
Notify any credit reporting agencies to correct or remove any inaccurate information associated with this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out multiple letters and complaints to all 3 credit bureaus, Transunion, XXXX, and XXXX. They refuse to remove this false information. I also submitted a complaint through you guys and nothing happened. They have a bankruptcy on my credit report which the person is not me, they said they recieved the information from the court which the court said they never sent that to them.
Product: Credit reporting or other personal consumer reports

MY INFORMATION WAS SOLD & BROUGHT ILLEGALLY BECAUSE I WAS A VICTIM OF XXXX DATA BREACH. I WANT THESE ITEMS DELETED FROM MY CREDIT REPORTS EFFECTIVE IMMEDIATELY! I AM ATTACHING PROOF THAT XXXX HAS ADMITTED THAT I WAS IN FACT A VICTIM OF THIS DATA BREACH AND XXXX HAS DONE NOTHING TO RESOLVE THESE MATTERS. PLEASE HELP ME DELETE THESE ILLEGAL ACCOUNTS FROM MY CREDIT REPORTS. (ACCOUNT NAME: LVNV FUNDING LLC/ CARE OF RESURGENT CAPITAL SERVICES L.P XXXX XXXX XXXX XXXX SC XXXX XXXX ACCOUNT XXXX XXXX DATE OPENED XXXX (ACCONT NAME: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY. XXXX -INQUIRY XXXX (ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX. XXXXINQUIRY XXXX, (ACCONT NAME: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO. XXXX-INQUIRY XXXX, (XXXX XXXX XXXX XXXX XXXX XXXX  PA. XXXX- INQUIRY XXXX), (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA. XXXX-INQUIRY XXXX XXXX XXXX), (XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX-ACCOUNT XXXX XXXX-DATE REPORTED-XXXXDATE OPENED XXXX
Product: Credit card or prepaid card

On XX/XX/23 I made 3 hotels reservations, ( 2 in Utah, & 1 in Nevada ) using my Mountain America Credit Union, ( MACU ) Visa credit card. On Monday XX/XX/23 when checking my visa account on line I noticed there were 2 separate fees 1 for {$3.00}, the other for {$.00} with the description of, " card fee visa international service assessment date card '' .These fees were above and beyond the charges for the hotels I had made. I went to MACU XXXX UT branch and inquired as to what these charges were for. Spoke to a teller XXXX who informed me that this was a charge applied by hotels.com for making an international transaction of some sort. This was not an international charge, it was made in the U.S. for hotels located in the U.S. He ( XXXX ) went and got his supervisor who refused to remove the fees and told me I'd have to contact hotels.com. I finially got a hold of a customer service representative from XXXX and they informed me that they did not apply the charge that I would have to contact the bank. I being given a run around by these jerks who have charged me fees for some sort of international service that is absolutely out of line and rediculous.
Product: Credit reporting or other personal consumer reports

On XX/XX/25 I requested Equifax to conduct a thorough investigation regarding my credit report specially account # XXXX and incorrect information being reporting. See CFPB Complaint # XXXX Exhibit A. In response to this Equifax stated that the account was verified and belongs to me. See Exhibit B attached. If this is in fact true and the proper investigation and validation was completed why are there still inaccuracies reporting to my credit file .See attachments. I have attached the multiple errors still reporting on my credit report. These inaccuracies are not only causing stress and constraint on my mental heal but also a burden on my financial state due to these erroneous reporting.. My consumer rights are being violated under section U.S. code 1681. Credit reporting agencies role is vital in assuring information on my credit file is 100 percent accurate.
Product: Credit card

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still XXXX The creditor is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$36000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- AUTO ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$36000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to look for a car and before I could even step on the lot the car salesman told me that they had to run my information first so I told them I don't want my credit ran and they did so anyways and without my permission. They added around 20 inquires from unknown sources to my report. i have filed a report with identitytheft.gov as well and these are the names of the 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX # XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit file is reporting accounts inwhich are not mines, not sure if accounts been mixed up because I'm a XXXX., or could this be all due to my wallet being stolen years ago, not to mention I'm a victim of the XXXX data breach. Either way I challenge these unauthorized accounts and demanding physical documentation before you and your companies report such fraudulent accounts. I'm also requesting your detailed Method of Verification in this immediate investigation, and you can not produce such physical documentation then you shall remove the following accounts immediately. 

1. XXXX {$250.00} 2. XXXX XXXX XXXX {$1000.00} 3. XXXX XXXX XXXX   {$900.00} 4. XXXX XXXX XXXX/XXXX {$4600.00} 5. XXXX XXXX XXXX 6.  XXXX XXXX XXXX  7. XXXX/XXXX 8. XXXX  XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reside in the state of Texas and have lived in Texas my entire life. 
On XX/XX/2023 I received a notification about a new account that was opened through XXXX XXXX and XXXX. In early XX/XX/2023 my wallet was stolen. Inside my wallet was my drivers license and social security card, along with other identifying information. I contacted XXXX and inquired on the new account and was informed that it was a bank account along with a " secured '' credit card. The account was opened and created in the state of North Carolina. 
I contacted the bank and advised them that my identity had been stolen and that I live in the state of Texas, not in North Carolina. The company informed me that they would close the account, which they never did. 
I have disputed this account through XXXX three times and have submitted police reports from Texas and North Carolina, FTC Report ( FTC Report Number : XXXX ), IRS Identity Theft Affidavit ( XXXX XXXX XXXX ), along with my personal identifying information and they persist that the account was verified and belongs to me, which it doesn't. 
I am a victim of identity theft. This is an on going investigation. For more information on the police report, please contact XXXX XXXX XXXX Department in North Carolina at ( XXXX ) XXXX, speak to Detective XXXX XXXX at ( XXXX ) XXXX, reference Case # XXXX. You can also contact XXXX Police Department in XXXX Texas, speak to XXXX XXXX at ( XXXX ) XXXX, reference Case # XXXX ( identity theft ) and Case # XXXX ( stolen property ). 
I am pleading for some additional assistance with this matter. This bank account does not belong to me and never has. I have lived in Texas my entire life. My identity has been stolen and the people using my information live in North Carolina and have used my information before to reside in three different addresses and XXXX has not verified the information before and simply adds the information. They have also used my information to obtain a phone through XXXX XXXX, which is also being disputed. Please help!
Product: Debt collection

Received a threat that they will take me to jail. Not sure of the debt. 



This is the email below. 
ATTENTION- LEGAL ACTION FINAL NOTICE Inbox XXXX XXXXXXXX XXXX ( 5 hours ago ) to me Dear XXXX XXXX City : - XXXX State : - TX Zip : - XXXX S.S.N. : - XXXX XXXX, XXXX, XXXX My name is XXXX XXXX. From the National Credit Adjuster ( Attorney at law ), I want to inform you that there is a case file on your name in the amount of {$1200.00}. 

Case file No : XXXX As you are aware, you have a large printing debt of {$1200.00} that remains unpaid. We have given you more than enough time and every chance to resolve this matter outside the courthouse but you are not willing to resolve this matter. We will mark as a flat refusal on your account and take immediate action against you, we have repeatedly advised you of your long overdue balance in the amount of {$1200.00}. Since you have not made payment, now the company wants their money back so that is the reason why creditor has decided to forward your case file inside the courthouse. However, Our Company NATIONAL CREDIT ADJUSTER, would prefer to give you one last opportunity to make payment and avoid legal action, If once your case file gets downloaded inside the courthouse then you must pay {$15000.00} inside the court house including Court fees, Judge Fees, your bail charges, your attorney charges, extra late fees Penalty fees & interest and lots of more. Finally, your name and Social Security Information would be reported to the major credit bureaus of the USA, it would be affecting your XXXX scores and your social security number would be black listed. 



Bankruptcy filings can be listed on your credit report for 10 years. Most other debts can be listed for 7 years. ( M.G.L. c. 93, s. 52 ). 



If your credit is bad, you can work towards building good credit. 



( 1 ) Pay back the debt you owe.

( 2 ) Do not borrow money that you can not pay back. 



Explanation of Bankruptcy Discharge in a Chapter XXXX Case, That order does not close or dismiss the case. a creditor enforce a claim against the debtors ' property For example, a creditor may have the right to foreclose a home, mortgage or repossess an automobile. 

Your case file will be presented inside the courthouse on XX/XX/XXXX, Kindly let us know, If you are willing to resolve this case out of court so that we can offer you the settlement amount, If not then we have to download this case forcefully against you into the courthouse. 

Reply me back immediately with your final answer so we can be in a position whether to put hold on your case file or to proceed it inside the courthouse, Thank you. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, Alabama XXXX,
Product: Checking or savings account

On XX/XX/XXXX, Navy Federal Credit Union withdrawn a payment of XXXX from my savings account without my consent to apply towards an outstanding balance of {$11000.00} dollars for a credit card debt of {$12000.00} that was never validated that continues to report on my credit reports with XXXX, XXXX, and XXXX by Navy Federal Credit Union. 

Navy Federal Credit Union hired a third-party debt collector XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX to collect on the debt. XXXX XXXX, XXXX could not validate the debt of {$12000.00} so, they ceased communication with me and trying to report on the debt with all the credit bureaus on XX/XX/XXXX. 

Navy Federal Credit Union has violated my rights under the Fair Debt Collection Practices Act by reporting and collecting on a debt that they have not validated. They have fraudulently stolen money from my savings account and have restarted the statue of limitations over on a debt {$12000.00} that has restarted the aging process of the debt over which is illegal.
Product: Debt collection

On XX/XX/2023 my joint savings with my husband was garnished for {$1900.00} and funds were removed by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX on behalf of Midland Credit Managment , Inc. 

I was not notified and served of this garnishment until XX/XX/2023 by sheriff delivery. On the notice of the non-earnings garnishee summons it is documented that I would have 30-days to dispute from date of receipt, which I received today. Funds were removed from my account 8-days prior to this notice. 
The amount removed was not money available and I would have made arrangements with the company prior to garnishment had I been notified ahead of time.
Product: Consumer Loan

I previously had an installment loan with Sun Loan Company. I renewed my loan on XX/XX/XXXX, which made my payments now due on XX/XX/XXXX. I had never been a delinquent customer and have always been in good standings with my pervious loans with this same company, never once asked for a reminder call or need one for when it came to making my payments. But for some reason once I renewed this loan shortly just a week after renewing I received I reminder card in the mail, then another week and few days after that I received a call on XX/XX/XXXX " reminding '' me my payment was due on XXXX. At this point I was confused on why I was receiving these reminders when I did n't ask or give permission for them. When I called on XX/XX/XXXX I asked for the manager, who was out for lunch. The young girl asked if she could help me, I told her who I was and I was calling to make a payment but first I wanted to know why I was getting these reminder calls when I did n't consent to them, and a company like that would n't they rather work on collection their bad debt rather than calling someone who has always been in good standings with the company. The employee then told me they ca n't field work their bad debt anymore and they its not illegal to give me reminder calls, I was trying to express to her how its not illegal but if I did n't give you the consent to do so and if I 'm asking you not there then the calls should n't be taking place. The call then escalated and the employee kept talking over me, so I disconnected the phone. Deciding to go another route with my complaint. I never did get to actually make my payment via debit card over the phone and ended up just mailing my check in and with my future payments will be handling all payments via check mail.
Product: Credit reporting or other personal consumer reports

Equifax offered a settlement for their breach but it is not easy to access services. 

" You may access Identity Restoration Services after the Settlement becomes effective, whether or not you make a claim under the Settlement. For more detailed information, see FAQ 11 '' Equifax does not make these services easily accessible. There are no clear instructions on how to get this. Also they offer free credit monitoring until XXXX. There is no easy way to obtain this.
Product: Credit card

American Expressed approved a card without my knowledge and because I dont possess the fraudulent information used to open account.access denied. None of the personal identifiable information matched and Amex wont take a fraud report. I first noticed the fraud in XX/XX/, when I started to get collection bills and a letter changing my address. I have since reached out to Amex and local police department without getting any help. Local law ( XXXX XXXX ) enforcement agency states its a civil matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I identified several incorrect addresses listed on my reports from all three major credit bureaus : XXXX, XXXX, and TransUnion. These addresses are : I disputed these addresses with each credit bureau via certified mail on the same date ( XX/XX/year> ) and requested their removal in accordance with the Fair Credit Reporting Act ( FCRA ). While all three bureaus responded within 30 days, they all denied my request. 

The presence of these inaccurate addresses on my credit report is a violation of my right to privacy under the FCRA and could negatively impact my ability to obtain credit and other financial products. Additionally, having my personal information, including future credit offers, sent to addresses where I don't reside is a significant security concern. 

In my dispute letters, I included copies of documents verifying my current address, such as a valid government-issued ID and a recent bank statement. 

I request that the CFPB investigate this matter and ensure the credit bureaus comply with the FCRA by removing these inaccurate addresses from my credit report. I appreciate your time and attention to this issue.