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

All Credit Agencies have corrected the Identity theft issue that stemmed from a breach that came originally from Equifax " Breach ''. No matter what I do and how many letters or legal documents I sent Equifax, they refuse to correct the mistake. I have sent licenses, legal court documents with correct name, medical records, mailings, passport cards, passport booklets with correct name and they continue to breach my information with incorrect NAME. No other agency has the incorrect name. It has caused me so many issues and identity theft and time. I have sent certified mail, registered mail, online information to Equifax and they refuse dispute after dispute to correct THEIR MISTAKE. At this point I want to OPT OUT OF EQUIFAX having any of my information or any of my financial records or doing any records of my personal information. This is my constitutional right. They are refusing to correct after numerous proof and UCC laws, letters, requests, certified proof, etc.. I NO LONGER TRUST EQUIFAX. I want them to NEVER have my information again. How do I remove my information from Equifax and OPT OUT completely from Equifax. I do not trust them and it is my RIGHT as a Private Citizen USC 1001 ( a ) ( 21 ) to never have them report my information again. I have told them to quit and desist and they are refusing. They refuse to correct everything I dispute though all other agencies have corrected. They are the reason for the breach and the reason for the identity theft. I WANT OUT OF EQUIFAX!!! IT is my constitutional right to privacy!
Product: Money transfer, virtual currency, or money service

I was given a check to purchase my computer and software for the company I thought I was going to work XXXX XXXX but it turns out it was a fake job interview and a fake job offer. I was sent a check from XXXX XXXX XXXX XXXX XXXX. I asked my " hiring manager '' why is the check from a different company name, I was told they are affiliated and they facilitated the check to expedite things since they were in CA and not XXXX where supposedly that is where the main company is located and that they were expanding to the USA. I was informed to deposit the check which I did. I told them I needed to wait a day or two for the funds to be available, the next day XXXX XXXX  the hiring manager said she would work on getting the software from XXXX XXXX, she then asked me to transfer {$500.00} to XXXX XXXX XXXX XXXX since the XXXX : XXXX XXXX  didnt work. I finally sent the {$500.00} via XXXX XXXX, then XXXX asked for another {$1000.00} for the computer to be purchased for my job, the bank wouldnt allow me to do XXXX  again so she told me to send it through XXXX XXXX : XXXX, XXXX XXXX. I sent a total of XXXX XXXX payments to XXXX XXXX and {$500.00} to XXXX so a total of {$2500.00}. Since the bank would allow me to do another transaction the same day XXXX tried again today at that point the check from XXXX XXXX was returned and I was overdrawn. I tried getting my money back from XXXX and XXXX but they just ignored me at this point.
Product: Credit reporting or other personal consumer reports

XXXX XXXX openeded XX/XX/year> {$1800.00}. doesn't belong to me I spoke with a representative and informed him that this account was not my account. I never applied for this card. The account was removed from my credit ; however, it appeared back on my consumer file a short time later.
Product: Checking or savings account

On XX/XX/2022 I received an email from TD Bank congratulating me on opening 3 accounts with them ( 2 checking and 1 savings ). 
I thought the email was Spam so I disregarded. 
On XX/XX/2022 I received a packet from TD bank by mail which contained checks and deposit slips. These checks and deposit slips had my name, XXXX XXXX, and address. They also had a phone number which does not belong to me ( tried calling and its dosconnected ). I contacted TD Bank regarding these 3 fraudulently opened accounts and they did in fact close them and are researching the matter. I am contacting your company to make sure that this gets reported to all 3 creditors and doesn't affect me in the future.
Product: Debt collection

This debt is from a XXXX XXXX XXXX Bank and was sold to Portfolio Recovery I have been able to have this item removed from my XXXX credit report but they refuse to remove from my XXXX XXXX and XXXX reports
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TU XXXX - Unauthorized Inquiry 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

On XXXX/XXXX/2015. I opened a dispute with Equifax due to the fact that I had just paid off my Student Loan in full on XXXX/XXXX/2015 with the Creditor. I provided the amount of the payoff and an explanation stating that the loan was no longer in " collections '' and should be reported as closed. Per the FCRA, my understanding is that Equifax is legally required to conduct a " reasonable investigation '' of this matter. 5 days later on XXXX/XXXX/2015 Equifax " hastily '' completed their investigation, citing that the account was being reported " correctly '' despite having direct evidence from me that the account was paid in full ( attached ). I assert that Equifax did NOT conduct a reasonable investigation, and violated the FCRA by being " willfully negligent '' in their investigation, or that they did not actually do any type of investigation at all. Due to the failure of Equifax to conduct a reasonable investigation, I demand that the report be removed from my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, the XXXX XX/XX/XXXX associated with my wifes XX/XX/XXXX education of which I am a consigner were purchased by XXXX XXXX XXXX. We immediately had issues with receiving the correct balance or amount due, nor could they ( XXXX  ) explain why I was receiving late payments for loans not associated to my account number. This situation continued for the better part of 6 months when I finally was able to set up autopayments associated to the multiple accounts. Unfortunately, and what turned out to be unlawfully XXXX reported to the credit bureaus that I was late on payments an excessive number of times. I was never provided an answer as to why and was met with silence when asked for an explanation. 
Fast forward to XXXX of XXXX, the Covid crisis hits and my wife ( now a practicing XXXX ) is eligible for temporary deferment for the above-mentioned loans. We followed the proper procedure to defer and were assured by XXXX our account would remain in good standing. In XXXX, I receive yet another notification of 30 plus days non-payment for a second account number. Countless hours on the phone with XXXX determined that when the data was migrated to their system in XXXX of XXXX my social security number had been miss keyed by one digit on several of the loans, thus creating another me with a different social security number and a second loan number. XXXX representatives openly acknowledged their error and agreed that this was why I was inconsistent information each time I called. 
Following countless apologies and open admission of their error the issue was escalated to the XXXX collection team who were instructed to reverse the false entries in my credit report. They did not and refused to do so with no coherent explanation. Attached are detailed extemporaneous notes to capture in detail my years long interactions with XXXX. These notes clearly capture a level of incompetence and wanting negligence by XXXX that should be considered criminal.
Product: Credit reporting

While speaking to a clerk by the name of XXXX at the Judges chambers ( phone number XXXX ). The clerk advised me that their courts did not report this information to Trans Union and that their court does not even have a subscription to report to ANY credit agency. In addition, the clerk from the court explains that the courts do not physically verify or give out social security numbers or any information to any THIRD PARTY companies. So if they did not report this information how did Trans Union? According to the FCRA it is not permissible for Trans Union, a THIRD PARTY unverified information. In addition the FCRA also state that the credit reporting agencies can not report inaccurate information and according to Federal Court records. This information is not accurate and is not me.
Product: Credit reporting or other personal consumer reports

Credit Collection Services XXXX XXXX XXXX XXXX, XXXX, XXXX Subject : Debt Validation Request Under FDCPA Dear Credit Collection Services, I am writing to request validation of the debt you have contacted me about. Pursuant to 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with the following information : Proof of Debt : Please provide me with a detailed statement showing the amount of the debt, including an itemized account of all charges and payments made to the account. 
Assignment Contract : If you are not the original creditor, please provide me with the assignment or transfer contract showing that you have been legally assigned the right to collect this debt from the original creditor. This contract should include the original creditors name, the original account number, and the date of assignment. 
Verification of Debt : In accordance with 15 U.S. Code 1692c, please provide documentation that proves your authorization to collect on this debt.

Under 15 U.S. Code 1692g, you must cease all collection activities until you provide the requested validation and proof of your authority to collect this debt. 
Please respond to this request within 30 days from the date of this letter. If you fail to comply with this request, or if you continue to pursue collection activities without providing the required validation, I will consider this a violation of the FDCPA and will take appropriate action to protect my rights. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

I opened an account as a requirement of navy federal to be a co- signer on a mortgage for my daughter. not long after, I was told my account was locked due to suspected fraud. Navy federal made it very difficult, and time consuming, to unlock the account ( a XXXX account ). the process stalled and was forgotten for some time by me, and the account remained locked. I recently remembered and contacted them by phone and was informed I had apparently waited too long. as a result they transferred the the money to the state of NJ, and I now had to go to missingmoney.com to recover the money. I did so but after giving my name and address they showed no record of my XXXX dollars. I called Navy federal back and was told they can't help, and offered no path to recover the money. Navy federal does'nt have it, the state apparently does'nt have it, and as a result I will never have it. I opened that account in good faith, and they, in effect, cheated ne out of it. someone needs to be held accountable for this.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Being over drafted when I would put the money back into my account right away.
Product: Credit card or prepaid card

Yes this credit for XXXX office closed my account way too fast. Hurt my credit score also. Was opened XX/XX/XXXX. They closed it XX/XX/XXXX. Said on the remarks. Canceled by credit grantor???? I never closed it. They did. I would like them too contact all 3credit bureaus. Have it deleted. If not at least out if courtesy
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit recently and I notices an account that is not mine in my report I think that my identity was stolen, please help me remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX of XXXX Genesis Credit has taken adverse action against me, with forethought and malice, by furnishing grossly inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal and carries civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the XXXX XXXX XXXX XXXX XXXX, has been violated. 

I am acutely aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by Genesis Credit before it was furnished. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or Genesis Credit to furnish any late payments to my consumer report. It is my belief that due to Genesis Credit 's business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Product: Debt collection

Halstead Financial Services XXXX XXXX XXXX submitted XXXX XXXX case number. XXXX XXXX  XXXX This collection agency was sued for the following points : Environmental threats They were going to be sued by a law firm. 
Confusing arguments to know who is the real creditor. 
They were receiving emails and text messages every day from This company called Halsted Financial. 
This last company provided confusing information and mentions about whom they represented. They said they represented XXXX XXXX, which was the owner of the original credit, while hiding the true creditor, which was XXXX XXXX. 
They told me that if I did not pay the amount of {$3000.00}, I would be sued by a law firm we have evidence from this company
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''
Product: Credit reporting or other personal consumer reports

Firstly, I emphasize that my right to privacy is paramount, and I am exercising this right through this dispute letter. As per 15 U.S. Code 1681 ( a ) ( 4 ), you are obligated to act with fairness, impartiality, and respect for consumers ' privacy. I am asserting this right under the stated law and expect that the information in this letter will be handled with the highest degree of fairness, impartiality, and respect for my privacy. Additionally, under 15 U.S. Code 1681b regarding permissible purpose, I have never granted this company any such authorization. As a result, they are in direct violation of this law. I request the immediate removal of this account from my credit report, as it negatively affects my reputation, character, creditworthiness, standing, and capacity. Given your responsibility to protect my privacy, I expect this matter to be resolved with the utmost urgency. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : 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

I have identified accounts and inquiries on my consumer report that result from identity theft. Attached you will find the FTC report, My consumer statements, and my identification; proving my identity. These items are not related to any transactions made by me. I have tied to contact the companies directly to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am. a victim. of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX Balance : {$8000.00} XXXX  XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, XXXX, XXXX XXXX showing late payments which were made on times balance was no showing accurate to the account. 

Company stated the found the error unable to correct my reports. Request me to submit disput
Product: Checking or savings account

I have two fraudulent transactions : - XX/XX/18 - PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX CA XXXX CARD XXXX for {$1800.00} - XX/XX/18 - PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX  XXXX XXXX CA XXXX CARD XXXX for {$1200.00} Someone stole my phone and my wallet and made some purchases on my account. They stole my phone and authorized the transactions. Now my bank is trying to say that I authorized the transactions because it came from my phone number!
Product: Credit reporting or other personal consumer reports

Good day, I am deeply concerned about the erroneous information on my credit report. These inaccuracies are jeopardizing my financial stability and hindering my ability to move forward, as my credit applications are being rejected due to these errors. This situation is causing me immense stress and frustration.
Product: Checking or savings account

Marcus is at it again. Last week I scheduled a transfer at XXXX XXXX XXXX  to withdraw {$490.00} from Marcus. XXXX days later, I downloaded a transaction from XXXX XXXX that effectively reversed that transfer. So, what happened? When I called Marcus, they denied knowing anything about it. Then, today, they sent me an email message asking me to call in by phone. When I called them, they continued to deny having any record of the transaction.

Here is what I believe actually happened : Marcus received the request for the funds transfer, but they decided to refuse it because the funds were " on hold '' for XXXX XXXXays. They notified XXXX XXXX that the transfer was canceled, but they failed to notify me and they did not keep any record of the request or the decision. So, when I called, the phone agent was oblivious to any of it. She tried to convince me that the transfer would complete after the hold was released which we know is false.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me significantly as I am in the process of buying a home for my family. Please remove the fraudulent accounts and their balances ( two accounts one in the amount of {$4100.00} and the other {$1200.00} ) from my credit report as soon as possible.
Product: Checking or savings account

This has been an ongoing problem with Bell Bank, XXXX, Mn. My math does not match theirs. I have had to change banks. My representative payee put the money in Bell Bank again when I asked her not to. Today the balance at Bell Bank was {$530.00}. My balance is {$650.00}. I keep a daily record of my purchases and balances. Because I suspect someone is trying to steal my debit card. But when I've called the bank the charges are the same as my records. So I think it's the bank.
Product: Debt collection

There are XXXX accounts listed on my credit file from Midland Funding LLC which are very old. I have disputed several times with no verification ( initial signed contract and proof when the date the last payment was made ). Can your agency help assist me?