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

I have received notice from EXPERIAN through an automated email- advertising from EXPERIAN that all of my data is now on XXXX XXXX websites. EXPERIAN in their email suggests that by paying XXXX per month I can get that information deleted from the dark web. However, when you go to their actual website and review the 35 websites, the link there with their request for payment ONLY MENTIONS that the {$25.00} per month is a HELP or ASSIST for me to get this information deleted from the XXXX XXXX. 

# 1. The credit agencies are now JUST MAKING MONEY TO THE TUNE OF {$25.00} and they are still not doing anything really to prevent use of ALL PERSONAL INFORMATION to be exposed on the XXXX XXXX 

# 2. The first data breach was actually before 2015 from XXXX. The DATA BREACHES that still involve all of a person 's address information, financial information and now Social Security Number is being exposed with absolutely no requirements for any of these companies to protect the data of citizens such as myself that are only VICTIMS due to terrible security and business practices by these agencies that are actually only SUPPORTING THEFT of ALL PERSONAL DATA, as that is the level of the last data breach at the end of XXXX that has affected me personally. 

# 3. Now even my immediate relatives are now exposed and probably from what I can surmrise from the 35 listings from EXPERIAN, that their data is also at risk/.

# 4. WHEN DOES IT STOP????

# 5. I have a freeze on my accounts with the 3 credit bureaus. I have extra security on my bank accounts and I am continuously and now my family members are at escalated FINANCIAL RISK. This is fraud that is basically originating from the 3 CREDIT BUREAUS themselves since 2015. 

# 6. It was XXXX, EXPERIAN, and XXXX 's issue beginning in XXXX. They need to be legally required to block 35 subsequent companies from accessing my data that the XXXX credit bureaus did not secure properly to begin with from XXXX 

# 7. WORST is the FACT that even the solicitation email from EXPERIAN is essentially a fraudulent email to only solicit money and represents that the XXXXXXXX XXXX per month will block and eliminate the data on the XXXX XXXX, when in reality EXPERIAN DOES NOT DO THAT FOR THE CLIENT AT ALL. 

# 8. IN FACT, EXPERIAN only says that it will HELP to remove data on the dark web only.
Product: Debt collection

XXXX from Eastern Asset Serv called my husbands Ex wife of 20+ years and told her all of our account information including the amount of the debt. We have no affilitation with my husbands ex wife and this debt collector told her everything.
Product: Debt or credit management

Hello my company was Lexington Law they charged upfront free to fix my credit for two years and every time call to ask how case going would it takes time but always asking money every month can you help please
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX. XXXX and to request that this information be blocked. I have enclosed a copy of my FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX As required by XXXX U.S.C. XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire new financial products. I have requested contracts from this company with my information but I have not received any response from them, please help me immediately delete these inquiries. Here I add the FTC report hoping that you make a better decision in my situation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got a notification that my credit was pulled by XXXXXXXX XXXX XXXX  on XXXX XXXX and i did not request any services nor contacted them, i do not even have an account with them. I recently been seeing other inquiries i did not approved nor consent on my report and previously reported them on XXXX as well. 

I don't know how they report such things without verifying if its true or not but i did not request anything
Product: Checking or savings account

Suntrust/ Truist closed our checking and savings accounts without notice and have not given us a reason why. They have also not let us withdraw our funds. These are our main accounts in which our income gets deposited into. We have not had access to our funds since XXXX. They are now saying they will mail a check on XX/XX/10 with our funds which will also take XXXX days to arrive. They will not let us simply withdraw the funds from a local branch so that we can pay our bills. Furthermore, they are withholding names and phone numbers of the case managers and departments who are handling the case. I spoke with XXXX on XXXX who sent an email to the " back office department '' but would tell me the response to the email or give me any contact information to the person or department handling my case citing it is " an internal department. '' No one has given us any answers regarding this situation and it is causing our family undue stress and suffering since we need to be able to pay our mortgage and be able to feed our family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from XXXX regarding identity theft - a new credit card was opened in my name. I was able to address that issue, and get the card shut down. XXXX recommended I place a Fraud Alert at each of the three credit reporting agencies. My main problem was with XXXX. The website is geared to selling me a subscription and involves multiple XXXX  identities - I'm was not sure who is the real XXXX  and who was their paid subscription service. I tried to log in, but each of their services had a different login and I kept getting blocked. During my 4 phone calls to XXXX, I was given 3 different XXXX   phone numbers and two temporary passwords for logins. 
I spent at least two hours trying to confirm that the fraud alert had been placed and was unable to download my credit report - I was only able to view it in pieces. When I tried again to look at the report, the charge would have been {$11.00}, since I'm only allowed one free report per year. 
The website appears to be intentionally confusing and misleading and doesn't adequately provide information as to who you are dealing with - XXXX  or a subscription service that I don't want.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX AFFIRM, has violated my rights.15 USC 1681 Section 602 States I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as LATE for any purpose
Product: Debt collection

I found through XXXX XXXX that there was a collections posted in my name on XX/XX/2016 by Professional Debt Mediation. I was never notified in any form of anything that was sent to collections and therefore was never given the opportunity to dispute. It is also a false claim from an apartment I was renting. I have been out of it for nearly 2 years now, and when I left we were in agreement that everything was taken care of. That is after I had to prove with receipts ( that they should have ) that I fixed the things they were claiming were dirty or damaged with no proof. Now my credit score has been damaged in the middle of buying a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

reach out to all parties to remove this fraud account from credit report
Product: Credit card or prepaid card

Hi I filed for unemployment Over a year ago with the help of my ex girlfriend..well I didn't know she received the card and didn't tell me anything about it..So all along I had known I was approved and was waiting for my card qnd never received it.I had gotten a couple of side jobs for a couple months and had stopped filing for my unemployment buy when I tried again to find something out about my card and money from unemployment benefits I was locked out of my account and had to go to bank multiple times to verify my identity and submitted a claim for the money and card I never received and was denied on my claim..if bank of america correctly investigated my claim they would clearly see It was not me using my card I never received. But instead I was denied..I 'm very upset that they did nothing to help me and did a poor investigation on my claim ..I 'm hoping their is something I can do since this is so wrong that this has happend to me and the bank has done nothing to help me.thanks so much!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

Approximately on or around XX/XX/2022, I attempted to send money from my investor high yield checking through XXXX and XXXX suspended my XXXX enrollment and emailed me to call them which I thought was odd. I contacted customer service which confirmed that my XXXX enrollment was suspended for suspicious activity ( nothing was suspicious about my activity but whatever ), so I asked them to restore my access to XXXX and they surprised me by saying that this can't happen instantly and they need to reach out to a special XXXX team that customers have no access to and this team will fix the issue within 72 hours. So far terrible support operations but I thought " fine '', I will wait 3 days for the bank to fix their own mistake. 3 days go by and my access is still suspended. I called the bank again and was told the same thing, they will reach out to a special XXXX team which will take 3 days to fix it. I contacted the bank multiple times since then and here we are almost two weeks later and my XXXX is still suspended for no reason.
Product: Credit card or prepaid card

Company has been billing me {$79.00} for over 12 months & when disputed, they issued a 50 % refund instead of 100 % on all charges the bill should be {$27.00} max & they & XXXX have conspired against seniors by signing them up for accessories they do not need. I will also be reporting to the FCC
Product: Debt collection

Dear XXXX XXXX, I hope this letter finds you well. I am writing to bring to your attention a matter concerning the collection of rent payments in accordance with the CARES Act.

As you may be aware, the CARES Act, enacted by the federal government, provides protections for tenants during the COVID-19 pandemic. One of these protections includes restrictions on landlords ability to pursue debt collection actions for unpaid rent. Under the CARES Act, landlords are prohibited from initiating eviction proceedings or assessing fees or penalties for non-payment of rent for properties covered by federally backed mortgages or receiving federal housing assistance.

Given the current circumstances, it is imperative that we adhere to the guidelines set forth by the CARES Act to ensure compliance with federal law. Therefore, I kindly request that you refrain from any attempts to collect debt on rent payments during this time, as doing so may constitute a violation of the CARES Act.

I appreciate your understanding and cooperation in this matter. If you have any questions or concerns regarding the CARES Act or its implications for our rental agreement, please do not hesitate to reach out to me. 

Thank you for your attention to this important issue. 

Sincerely, XXXX XXXX
Product: Checking or savings account

My account was closed without my consent. My account was in good standing. I was told I could not use a po box for my address ; however, I am in the middle of moving and looking for a new residence. I gave them my girlfriend 's address to use temporarily as my residential address. Still, they closed my account. Now they are telling me that it is their policy at Wells Fargo to hold the funds for 90 days. They have already frozen my account for almost a month while they did their investigation. This has been going on since XX/XX/year>. I have not been able to use any of my money, and I have been having to borrow and ask for aid.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXXXXXX Account XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX
Product: Credit card or prepaid card

I received a payment reminder that my payment was due AFTER the due date. Please see attached. I
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$160.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$7100.00}
Product: Credit reporting or other personal consumer reports

It is illegal and a violation of my privacy in ordinance with the Privacy Act of 1974 and Consumer Credit Protection Act to report transactional history. This is also reporting as a charge off a charge off is considered a certificate of indebtedness which is INCOME and this needs to be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting the incorrect collection agency for account XXXX. You are reporting the debt buyer as XXXX XXXX when the correct agency is XXXX. I have already settled this account with them, and I will attach the bill of sale showing that XXXX does not own this account. The account number is also different than the account number that XXXX is reporting while XXXX has already removed this account due to its inaccuracy. The balance information is also different than the balance I have with the original creditor. Remove this inaccurate information from my consumer report immediately. Attached is the bill of sale and my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPLAINT ON ALL CREDIT BUREAU 'S REQUESTING why my credit score dropped 47 to 51 pts in a few days after paying off one debt ( XXXX XXXX XXXX, XXXX, KS ). 
I ALSO want to know why our accounts are still on my credit report that were listed on my bankruptcy back in XX/XX/2021 Ch XXXX. I understand our bankruptcy is noted that we filed and stays on our credit report for 10 years. But, the debts listed on the bankruptcy should be WIPED CLEAN from our credit report since the bankruptcy is listed. 
SINCE our bankruptcy and building our credit, ALL debts have been paid on time, paid off, and no collections which makes our CREDIT SCORE higher and should be in the 700 's, I would think. 
I ALSO have a question about CREDIT BUREAU 'S being able to up credit scores by joining CREDIT BUREAU 'S web sight program and get a higher score. There is something wrong with that type of program, having to pay each month to be in their program and to get a higher score.
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report and believe these to be fraudulent. This is a violation of the fair credit reporting act section 1681 ( b ) c and a serious breach of my privacy rights I formally requested that these fraudulent inquiries and accounts be immediately deleted my credit. There are several inaccuracies regarding balance amounts, payment dates, payment status ', and debts owed. I requested that the inaccuracies be corrected by TransUnion, and no corrections have been made. I requested if anything comes, verified to show signatures and the original documents showing true accuracy. This was done beginning of XXXX last month. I also notated that they have 30 days to complete investigation as per fair credit reporting act section 611. Accounts remain on credit report, and no action has been taken.
Product: Debt collection

my identity was stolen and the use it to open XXXX XXXX account and XXXX XXXX are charging me XXXX in late charges need to get this resolve to fix my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue I am having is that there are late payments showing on all 3 credit reports which are holding back my credit score. I had received retro forbearance that covered the late payments AND paid the fees to do so. I have a statement showing those fees being paid. After numerous requests to correct those issues, correct the spelling of my name, or to just remove the account. I have received no resolution to my problems. The response comes back as verified accurate even though they will not provide me with any proof from the investigation. I have filled disputes online with all 3 bureaus. The account is paid in full and closed yet I can't get any help with corrections. The student loan is with XXXX who are impossible to deal with and I have had the worst experience dealing with them.
Product: Credit reporting or other personal consumer reports

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX and Equifax permitted several companies access to my consumer report without my permission. This is a violation of FCRA as neither the company nor the credit bureaus has permission to do this. As a federally protected individual I demand the credit bureaus provide proof that these inquiries were initiated by me with my wet ink signature. 

These inquiries should be investigated : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax
Product: Debt collection

XXXX XXXX called me on XXXX/XXXX/2015 collecting for XXXX XXXX I explained to them the the account with XXXX XXXX was over the statue of limitations for collection XXXX XXXX explained to me to send them a validation letter and she would send the file back to XXXX XXXX. I received the letter from the company on XX/XX/2015 and sent a validation of account to XXXX in the meantime they inquired on my credit with all XXXX bureaus on XX/XX/2015 after I spoke to them over the phone and put them on notice when I called them XXXX XXXX, 2015 to confront them they told me that XXXX XXXX gives them authorization to pull my credit. I did not authorize XXXX to pull my credit and XXXX XXXX account is null and void due to statute of limitations.