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

I discovered that I was a victim of identity theft, multiple credit cards and loans were taken out in my name by changing my personal information and utilizing my social security number. I noticed XXXX bank visa card account showing on my credit report, it does not belong to me so I immediately filed a report on identiytheft.gov and sent a copy of the report to the credit reporting agencies and the original creditor. The card account came off my credit report for over a year, it recently showed up again. I contacted the credit agencies and XXXX bank directly, they have not responded to my requests and have not removed the incorrect information.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed account from my credit report as well as update the account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : SALLIE MAE XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving letters in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw child support. I have pulled my credit and I saw child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report.
Product: Credit reporting or other personal consumer reports

TransUnion failure to block or delete fraudulent XXXX XXXX, and XXXX did provide FTC Report XXXX Thank you.
Product: Debt collection

I recently received a bill from the below listed Credit collection agency. 
When I inquired who the retailer was, they failed to give me relative information pertaining to address, phone numbers, or a copy of the initial purchase request. 
Although they supplied the name of the company and their own account number, they failed to supply a purchase order, address of same, nor a phone number. 
The collection agency is as follows : XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX ( XXXX XXXX XXXX Department of Consumer Affairs License # XXXX and XXXX ) In substance, it states that I have a delinquent account, submitted to them from the following retailer : XXXX XXXX XXXX ( Account No. XXXX ) ( I.C. systems ref # XXXX ) ( UNKNOWN FORWARDING ADDRESS OR PHONE. ) I am a XXXX, and I am currently on Social Security XXXX and receive a XXXX pension from my ex-employer. Occasionally, XXXX  supply companies call me to pitch XXXX supplies. My understanding, according to their statements, that all fees would be covered by XXXX, at no cost to me. They never told me that their would be a fee for this service, and I don't recall signing an agreements for said products. The collection service also stated that they will attempt to mail me a retailer 's copy of an invoice, and that I shouldn't, worry because I still had thirty ( 30 ) days to respond, to their notice. I felt that I should submit this report in any event. In the event they state contacting me via phone line, then they should be investigate for calling a registered DO NOT CALL PHONE. 

There are three addresses in my county that are the same, and the only thing that distinguishes one from the other is North, East, West, and South. My family and I live at XXXX XXXX XXXX XXXX XXXX. Not XXXX XXXX or XXXX XXXX XXXX XXXX. 

Thank you for your time and attention to this matter. 
XXXX XXXX XXXX XXXX
Product: Debt collection

Financial Corporation of America has been calling my hospital trying to contact myself and I am an XXXX. My understanding is they are not allowed to try to contact you based on XXXX if they know your employer prohibits the consumer from receiving such communication. I am unable to leave patient rooms to speak with them when they call to tell them to stop calling.
Product: Checking or savings account

I was getting charged for non sufficient funds and fees as well as bounced checks and overdraft fees
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX Balance : {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my report and still see the accounts that I have been disputing appearing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is clearly a violation of my rights and demand that these items be removed on my credit report ASAP.
Product: Credit reporting or other personal consumer reports

I sent a picture of my drivers license to my brother XXXX, he was in the process of trying to get a vehicle. The sales representative explained to us that I wasnt co-signing on a vehicle so they didn't need to run my credit so I believed him and provided my drivers license and the next day I began to receive notifications of all 6 inquiries. In which I didnt consent of regardless if it was my brother or the auto company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had car insurance with USAA from XX/XX/XXXX to XX/XX/XXXX and renewed on XX/XX/XXXX and cancelled on XX/XX/XXXX and my payment due date was the second of each month, so when I paid my XX/XX/XXXX and then cancelled on XX/XX/XXXX I received the unused portion as a refund and then in XX/XX/XXXX I received a bill on the credit card of USAA which I was informed to pay since the beginning which I did. I called as soon as I received the bill and was on the phone for over an hour and talked to 7 different people and I got 7 different answers and each month there after I was getting billed including late charges so I contacted the Insurance Commissioners office and they got in touch with USAA and was told I was paid in full and the Commissioners could n't do any more because I was making payments to their on Credit Card Bank ( USAA ), so I gave it to an attorney as USAA turned me to the Credit Bureau which has effected my Credit Score as well as My X wife 's credit. As of XX/XX/XXXX I received a letter from a collection agency which I told to my attorney who forward him all the proof that my Auto premium has been paid along with the letter from the Insurance Commissioner.
Product: Credit reporting or other personal consumer reports

I submitted a cease and desist to XXXX and American Express bank and they are STILL reporting to my Credit report which is a form of communication though a third party. I DEMAND Not only that they stop reporting and sharing that information due to my RIGHT to opt out which I have also done I will clarify here since they want to violate my rights They sent a response that is unacceptable and unfair and willful non compliance via this portal on CFPB Yet they have stated they have received my complaint and will stop. YET they have not. 

Opt-Out Demand Per the FCRA, I am formally opting out of any and all authorizations I may have givenwhether written, unwritten, verbal, or non-verbalunder 15 USC 6802 . This includes the sharing of my personal information and any usage of my data without my express written consent. 

DO NOT REPORT ANY THING TO MY CREDIT REPORT MOVING FORWARD DELETE ANY derogatory reporting to my credit report ASAP Also to back my claims Illegality of Reporting Transaction History : Under 15 USC 6801, it is illegal to report transaction history without my consent. The policy of Congress mandates that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of their non-public information. 

Since I have taken permission or have removed/ rescind my consent respect my wishes as a consumer as you will be held liable for defamation of character and willful non compliance and other violations. 


ALSO A charge off means that it is INCOME per the IRS. YOU ARE NOT TO REPORT INCOME ON A CREDIT REPORT AND I NEED THE 1099C YOU CAN NOT REPORT INACCURATE DATA NOR DO I GIVE YOU AUTHORIZATION TO DO SO. 

You can take advantage of consumer who dont know their right but I Know my rights and I will not allow you to do so. Failure to do so I will use these correspondence proof / evidence / exhibits in court to claim damages Securitization audit is demanded yet again if not you choose to not provide that information
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my account. Despite numerous communications and promises of resolution, the unauthorized charges persist, causing me significant distress and inconvenience. 

I have always trusted your organization to handle my financial matters with utmost care and integrity. However, the repeated occurrence of fraudulent transactions on my account has shattered this trust and left me feeling vulnerable and unsupported. 

I have diligently followed your company 's procedures for reporting and resolving fraudulent activities on my account. Regrettably, each attempt to rectify the situation has been met with temporary fixes or promises that the issue would be thoroughly investigated and resolved, only for the fraudulent charges to reappear on subsequent statements. 

Not only have these unauthorized transactions caused financial strain, but they have also consumed an excessive amount of my time and energy in repeated attempts to address the issue. Moreover, the uncertainty and anxiety surrounding the security of my account have had a profound impact on my overall confidence in your company 's ability to safeguard my interests. 

I demand immediate and decisive action to rectify this situation. I expect a thorough investigation into the root cause of these unauthorized transactions and concrete steps taken to prevent their recurrence in the future. Furthermore, I insist on a full refund of all fraudulent charges incurred, along with appropriate compensation for the inconvenience, stress, and time wasted as a result of this ordeal. 

Please provide me with a detailed plan of action, including timelines for resolution and ongoing updates on the progress made. Restoring my faith in your company 's commitment to customer satisfaction and security is paramount, and I eagerly anticipate your swift response and resolution to this matter. With this, I am asking for your assisstance to remove these fraud items in my credit 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 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
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable investigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) had recently filed a lawsuit against experian, alleging systematic issues such as failing to forward customer-provided evidence to furnishes, accepting unreliable response and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where experian has either has neither corrected nor removed this. I am requesting immediate corrective action to remove or amend the disputed accounts, exsperians inaction violates federal law and my rights as a consumer.
Product: Debt collection

It states in 2016 I opened an account and owe {$690.00}. This information is false. They have now placed this information with collections.
Product: Checking or savings account

On XX/XX/XXXX I had transactions pending on my account. The transactions were XXXX XXXX for {$20.00}, XXXX XXXX XXXX for {$170.00}, XXXX for XXXX and XXXX for {$40.00}. After those payments showed pending to come out of my I transferred {$430.00} to another account which left me with a balance of {$11.00} for the remainder of the day. At XXXX CST on XX/XX/XXXX I made a purchase of {$5.00} from XXXX XXXX of which went through successfully which brought my account balance down to roughly {$6.00} and nothing else pending on my account. This morning I checked my account and my account is now negative from an electronic check they processed for {$110.00} that didn't show at all on my transactions history the entire day of XX/XX/XXXX along with 3 NSF charges to go with it. Bank of America said they processed it on XX/XX/XXXX which is not accurate. Had that transactions was processed on the XXXX I wouldn't be able to transfer {$430.00} to my other account. It would have be {$310.00} left in my account to transfer. I attempted to reached out to them to reverse the charges and they only willing to give me back one charge. Unacceptable.
Product: Checking or savings account

I wrote a check to a contractor in early XXXX. The check was mailed. The contractor reached out to me because he hadnt received payment ; but when I checked my account the check had cleared. 
The person whose name was on the endorsement is not an employee of the contractor. The endorsed name is not the name that was written on the payable to line. The bank that was used is not my bank nor my contractors bank. 
I filled a report with my bank ( Chase ). They initiated a claim. It has been 120 days and I have heard nothing. The depositing bank is XXXX  XXXX XXXX and they refuse to talk to me. 
Chase Bank has not credited the check amount back to me. Chase Bank can not give me a timeline for reparation nor can they tell me where the investigation is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been waiting on a background check to be completed with Checkr for 1 month and 2 weeks. Because this background check is critical to my finances Checkr is damaging me financially. I am requesting Checkr to complete my background check immediately. This is unacceptable.
Product: Debt collection

I was sent a collection letter on XXXX XXXX from a company called Genesis Credit Management saying I owed money to a company called XXXX XXXX XXXX. I have never done business with a company by the name of XXXX XXXX XXXX and there is absolutely no way they can produce a contract or agreement with my signature that says
otherwise. The letter stated that I owed over 2k in charges that I had never heard about and that I frankly, do not owe! I sent off a letter requesting validation. Needless to say, I have not received it but I monitor my credit closely and tonight I received an alert about a new collection account on my credit report from Genesis Credit Management reporting that I owe this debt. That is against the law. They are in direct violation of FDCPA Section 809 ( b ) because they reported it anyway without validating and FDCPA Section 807 ( 8 ) because they reported it and did n't report it as disputed. I have the documentation to back up my claims of validation, that it was disputed within 30 days, when it was sent and I also printed a copy of my credit report tonight and
how its currently reporting in case litigation has to take place. I 'm hoping we can get this resolved swiftly and without legal recourse.
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, 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: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT ALL OF THESE ACCOUNTS ARE FRAUD I DID NOT AUTHORIZE THESE ACCOUNTS
Product: Money transfer, virtual currency, or money service

XX/XX/2023 @ 7:40XXXX received a text message that my number was changed on my chime banking account. I did not change my number, I attempted to log in and lock my card so I could contact support. Within a matter of minutes someone was able to transfer money from my checking and savings account to a whole different bank that I do not use or have knowledge of. I immediately contacted support to let them know this was not my doing or authorized and filed a dispute that same day. They stated they would look into it and not even 48 hours later they made a decision that no error was found and I would not receive my funds backs. No documentation of the investigation was given and I refused to let this go and ask that they open it back up. Reported them to XXXX and will take legal action if needed.
Product: Debt collection

In my thorough analysis of my recent credit report, I came across several accounts that I consider incorrect and that were added without my awareness.
Product: Prepaid card

My husband had a bad biking accident in XX/XX/2023. Doctor ordered XXXX. We used the debit card provided by my employer to those with high deductible plans to pay for the XXXX  at point of service. 

In early XXXX, the XXXX  started saying they needed documents re the charge never happened before with service paid at facility, in 7+ years with the card. I could not login to their system without account number. 

I called the company, they refused to give me account number. On XX/XX/XXXX I emailed the documents to the company, including various cc receipients ( President of XXXX  Bank, business relations, etc ). 

Last week ( XXXX XXXX ), got a letter from XXXX  threatening me with the IRS. That letter actually had the account number I asked for months earlier, but they had refused to provide. 

I snail-mailed all the documents again ( XXXX XXXX ), with a cover letter calling it harassment. 

Today ( XXXX XXXX ), got an email to login, then found a letter titled charge was denied. The message center does not allow my computer to open this letter ( I get a message about a missing plugin ), so I can not attach it here. I attach all the earlier documentation.
Product: Checking or savings account

I opened a business checking account at LendingClub Bank, formally XXXXXXXX XXXX on XX/XX/21. After the account was approved and activated, I deposited over a period of a week 8 separate checks in various amounts of between {$5000.00} and {$15000.00}, totaling over {$50000.00}. 

On XX/XX/21 I received an email stating one of my deposits required additional verification and they suspended all access to my account. I could not even login to the online portal. I was asked to provide a paystub to provide additional verification of this deposit and my ID which I immediately followed up by emailing them a copy of the paystub and my driver 's license. A week later I still have no access to the account nor access to any of the funds deposited. 

I have contacted customer service on numerous occasions by phone and email and again today, XX/XX/21, but they refuse to even allow me to talk to a supervisor or bank manager and I get told the customer service agent can not help me. I then requested they reject the deposits and close the account and again, the customer service agent, XXXX, who also refused to provide a last name or any reference to who he is said he could not help with that either. I have no access to my account, I can not even get to login to see what is happening with my funds, I have no access to my funds nor anyway to get to my own money. 

After the XXXX call I finally spoke to an agent who told me the documents I had emailed were in the wrong format and to send a XXXX version and non a XXXX version. But this was not communicated to me in any other
Product: Credit reporting, credit repair services, or other personal consumer reports

the reporting company list inaccurate information on my credit report like address, and duplicate accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per 15 USC 1681b ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with written instructions of the consumer to whom it relates. 

I have not given any written instructions to XXXX, XXXX  or XXXX to furnish a consumer report with the Department of Education/ Navient . This is a violation of my consumer right to privacy. 

I am requesting this be deleted from my consumer report immediately. 

Per 15 USC 1681n ( a ) Any person who willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of - ( 2. ) in the case of liability of a natural person for obtaining a consumer report under pretenses r knowingly without a permissible purpose, actual damage sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 

Per 15USC 1681n ( a ) ( 2 ) I have damaged by this consumer report who had no right to furnish because they had no written consistent from me to do so. My consumer report is damaged. I am demanding my {$1000.00} for violation of my right AND for Navient to be deleted from all 3 agencys, XXXX, XXXX and XXXX