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

I am a victim of Identity Theft stemming from both the XXXX data breach and the Equifax data breach, in which my personal information was compromised and subsequently misused without my knowledge or consent. On XX/XX/XXXX, XXXX publicly disclosed that on XX/XX/XXXX it had suffered a significant data breach due to Hackers, with a revised announcement in XX/XX/XXXX stating that all three ( XXXX ) XXXX of its accounts were affected and the names, email addressed, phone numbers, birth dates, passwords, calendars and security questions of its account holders were compromised. On XX/XX/XXXX, Equifax disclosed a major data breach between XX/XX/XXXX and XX/XX/XXXX that exposed consumer data, including names, addresses, phone numbers, email addresses, and potentially other sensitive personal information. Due to these breaches, I have reason to believe that my personal data was used to open unauthorized accounts in my name. 

These breaches exposed sensitive personal data, and since then, my information has been fraudulently used without my knowledge or consent. These fraudulent accounts consist of a personal credit card account opened at XXXX on XXXX, account number ( XXXX ), a personal credit card account opened at XXXX on XXXX account number ( XXXX ), a personal credit card opened at XXXX XXXX on XXXX, account number ( XXXX ), a personal loan account opened at XXXX on XXXX, account number ( XXXX ), a auto insurance policy account with XXXX opened on XXXX, account number ( XXXX ) and a cable-internet utility account with XXXXXXXX XXXX XXXX XXXX, account number ( XXXX ). I demand that the aforementioned fraudulent accounts be removed from all XXXX of my credit reports. 

These accounts have resulted in several fraudulent collections, closed accounts and charge offs appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaints ( # XXXX ) and ( # XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of Identity Theft and Fraud.
Product: Debt collection

I am writing to report a debt collection lawsuit brought against me by a debt collector for a debt that was discharged in bankruptcy XXXX years ago. Despite the debt being discharged, they obtained a default judgment against me. Pursuing collection on a debt that has been discharged in bankruptcy may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ). The lawsuit has caused me significant distress, and I have incurred financial costs in responding to the lawsuit, including filing fees and court costs. I was unable to afford a lawyer at the time. 

I was not aware of this debt in particular, and I never acknowledged the debt with the debt collector or received any notice from them, assuming that my private student loans had already been discharged in bankruptcy XXXX years prior. The original defense I presented was that it was well beyond New Jersey 's 6-year statute of limitations to collect on the debt. Later in the case, I was able to find documentation proving that the debt was discharged XXXX years ago in bankruptcy. 

Throughout the case, debt collectors legal representation has continued to file objections, misrepresenting the bankruptcy code concerning which types of student debts are eligible for discharge, despite providing proof that the debt in question had in fact been discharged as it met the criteria for unqualified private student loans that could be discharged in bankruptcy. The legal team misrepresented facts throughout the case to manipulate the outcome in their favor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently came across my updated XXXX XXXX report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.
Product: Credit card

Payment was mailed by check on XXXX deposited into a Capital One account on XXXX with my account reference number on the check. Payment not credited to my account. Interest and late fees occurring. No assistance from agents that answered the phone. Was not provided an email to send documentation of payment. Asked repeatedly for email.
Product: Consumer Loan

Chase auto financing has written off my auto loan which is negatively effecting my family and I from obtaining a home loan because this is on my credit report! The car is with chase and is being sold so for them to put it on my credit report as a charge off is fraud and completely unjust! The car had been stolen since purchase and was just found on XXXX 2017 at a dealership in XXXX Michigan
Product: Checking or savings account

On XX/XX/2023 I requested that Albert Genius close my account. They would not, as I was told I had to unlink my primary external bank account. I tried to unlink my external bank account, but I kept getting an error message stating Unable to UNLINK primary bank account. I informed the customer service rep at Albert about this error. I tried over multiple days and I could not unlink my primary account. I was charged an {$8.00} by Albert and it caused a {$30.00} overdraft. I made the rep at Albert aware of this. I also filed a complaint with the Better Business Bureau to no resolve, as Albert insisted that I needed to unlink my bank accounts continue with account closure. However, I can not unlink my bank accountant because their system wont allow me too. Today, as I logged into my bank account, I had another {$8.00} charge from Albert Genius AGAIN. And I was charged a {$30.00} overdraft fee by my bank AGAIN for the second time in 2 months. This was after over 10 emails with customer service reps informing them to close my account. And after the Better Business Bureau complaint, Albert answered that I must unlink my account. But I can not be because the system will not allow me to. I want Albert to close my account and stop withdrawing funds. I would also like a refund if the {$16.00} in charges AND the {$60.00} in overdraft fees that Albert has caused.
Product: Credit card or prepaid card

I signed up for a Dillards credit card through Wells Fargo earlier in 2022. I have been receiving spam texts and calls, numerous times. Ive contacted customer service to pay my bill and explain my current work situation due to a car accident in XXXX of 2022, to no prevail. This credit card is hurting my credit and a breach of privacy, unknowingly selling my personal info.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX  Account Numer : XXXX XXXX  XXXX  XXXX Account Numer : XXXX Inquiry XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX
Product: Checking or savings account

When we moved in XXXX, XXXX ( the security company ) inappropriately charged us {$520.00} on XX/XX/XXXX for an " end of term charge '' or, on their Billing History Report, was called " Accllerated Billing ''. We communicated with XXXX that we had moved, and we ultimately signed a new contract with them when we moved into our new home about 3 weeks later. ( We stayed in a hotel in the interim, waiting for our new place to become available. ) During that time, I asked Citibank to dispute the charge that hit my account on XX/XX/XXXX, which they did, and refunded me the money on XX/XX/XXXX. 

But then, XXXX hit my Citibank business account again on XX/XX/XXXX for the same {$520.00}. ( please note, we are also now paying XXXX monthly for our NEW contract with them, but from my wife 's checking account this time ) I asked Citibank to dispute it again, after calling XXXX and getting their assurance that they would not change my account again, and Citibank returned the money to me on XX/XX/XXXX. 

Then it happened a 3rd time, on XX/XX/XXXX, XXXX charged my account again, and Citibank will no longer honor my dispute, even though I have faxed and sent them a certified letter with a written dispute, including my Billing History Report from XXXX showing that my account is paid in full. 

The Citibank case number is D- XXXX Our XXXX Customer number is XXXX In doing my research on-line, XXXX seems to have made this a normal practice as some way to launder money. Many people have similar complaints Also, I am closing my accounts at Citibank after 35 years and they are closing their branches, increasing fees and have farmed out their customer service and support to a call center in the XXXX.
Product: Consumer Loan

I recently signed up with " Credit Karma '' to get my " Free Credit Score ''. I was initially happy with what their service had to offer and was pleased to find that they make their money by recommending various loans and credit cards and are paid by those lenders as opposed to charging me a fee for their service. 
As it turns out, they said my credit score was " 614 '' ( very low ) and I then recieved multiple recommendations for loans and credit cards based on that very low score, all of which carried very high interest rates in the range of 23 % to 31 %. The low credit scores they showed that I had, made me reluctant to go to my local credit union for fear of them laughing me out of their office! But I prepared myself for a little embarrassment and went in anyway. Well, to my surprise they ( credit union ) said that my credit score was over XXXX points higher at XXXX and I was able to get a personal loan at only 7.99 %!!! So the bottom line is that since they ( Credit Karma ) get paid by the lenders for recommending a particular loan, it makes me wonder if they are fraudulently quoting lower credit scores to their customers to gain a better payout for themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that my name is XXXX XXXX XXXX Im a natural person and consumer summiting this complaint as a victim of identity theft. According to the Gramm Leach Bailey Act lenders can not share my personal information with a third party and if they do they must give me XXXX XXXX XXXX an opt out form that allows me the option to opt out, of the contract. Which I was not given full discloser to protect the privacy and security of my non public personal information. Experian, XXXX, and XXXX are in direct violation of the Fair Credit Reporting Act, The Gramm Leach Bliley Act and pursuit to 15 U.S. Code 1681c-2 Block of information resulting from identity theft. I am making a very clear demand to remove all fraudulent account listed below on my consumer credit report, within the next 4 business days as stated by law. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Agency called my sister and father in an attempt to collect debt, they told them I committed fraud. I have not received and letters regarding debt after asking for one. They continue to tell me they are going to sue me and I will be responsible for court fees, they are gon na garnish my wages etc. they have violated several FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

i found out today that i have false information on my background check
Product: Debt collection

After reviewing my credit report, this company has reported to all credit bureaus that this account has been charged off as bad debt. Before any erroneous reporting was done, I had a payment plan established ; pay balance in full before XX/XX/2018, and everything will remain in good status. I paid this account in full, and also verified with the company. They never added my payments towards balance owed, and this was paid in full way before XX/XX/2018. I sent multiple letters to the credit bureaus requesting that the credit agency send me information on how this account was verified ( which they said was ). Nothing was sent to me and this is still on my credit report. They have not complied with the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Out of nowhere, XXXX  added 25+ delinquent student loans accounts to my credit. I tried to to dispute it for over 1 year and has ruined my credit. I even resorted to the FCRA which clearly states in Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. And they admitted that they can not show me the original documents because everything is submitted electronically. They're literally in violation of the FCRA. I demand immediately removal of said accounts or I'll take legal action via trial by jury pursuant to the 7th amendment.
Product: Credit reporting

I have not been living at the address which judgment was issued for the pastyear and I do not owe any money to these lawyers or landlord. I will like thisremoved from my credit report. Also I made final payment on my woman within account and close it. please research and clear my credit will be looking forapartment soon and this issue will not let me get the apartment I want. 
Thank you.
Product: Credit card or prepaid card

I made payments towards my credits cards in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ( There maybe more instances but at this time I am waiting on hard copies of my bill and can only go this far back online history ). 

I contacted the company each month requesting they apply my payments to my promotional balances first prior to my general balance. When reviewing My statements I see that I was in fact charged the amount of my payments as purchases on the following respective billing statements. 

Example ) I made a {$130.00} payment in XXXX and requested it be applied to my promotional balance. My XXXX statement shows a purchase amount of {$130.00}. 

I contacted the company and asked to be refunded any false purchases and interest/finance charges associated with these false purchases. 

They said they arent able to refund interest and could give flat credits for the amounts.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX {$0.00} XXXX lead {$47.00}XXXX XXXX fin {$0.00}, XXXX Main {$0.00}, XXXX {$0.00}, XXXX lead {$0.00}, XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$230.00}, XXXX XXXX {$250.00}
Product: Credit reporting or other personal consumer reports

The impact of the inquiries from your company on my credit report has been ongoing and harmful.
Product: Credit reporting or other personal consumer reports

I have had XXXX XXXX XXXX XXXX account XXXX. That's been reporting over 6 years now that I have 6 late payments dated back in 2018. This account was opened FRAUDULENTLY in my name. I discovered that a roommate deliberately opened this account in my name. Only to prevent me from getting approved for a VA home loan. I found out that I was declined at the last moment of closing. I then ended up in a VA shelter where I lived for a year until I got into my own apartment. 
I file the police report with Experian at that time and I even had a fraud alert times extended was added. 

This account should not be on my Experian credit profile. I ask that you please remove it immediately. So that I can get the VA approval for a home.
Product: Credit reporting or other personal consumer reports

i am writing to demand consumer reporting agencies recuse themselves from further violations dealing with XXXX XXXX XXXX XXXX. They have violated several laws many state and federal felonies. any continued reporting will be considered adverse action on behalf of consumer reporting agencies. These adverse actions will be including but not limited to extortion, racketeering, identity theft, mail fraud, wire fraud, invasion of privacy, deceptive practice, misleading representations and many more. if ay attempt to validate the debt is done it must be done under 15 usc 1681i5 and i would like all information on who is spoken to time and date how they have information on the account it if is first hand knowledge. i would also like to remind consumer reporting agencies that transactions and experiences are to be excluded from consumer reports per 15 usc 1681a2Ai. i have rejeted consent of any reporting of these transactions and experiences and expect the law to be followed. any consumer reporting agency that is not interested in co defending against the several violation of 15 usc 1681a 15 usc 1681b 15 usc 1681i 15 usc 1681j 15 usc 1681 s2b 15 usc 1681n 15 usc 6801 15 usc 6802 15 usc 6821 15 usc 6823 18 usc 1341 18 usc 1343 18 usc 1344 18 usc 1028 shall delete an account of XXXX XXXX promptly and rapid rescore. i would also like to add the XXXX XXXX is an unregistered business and reporting information from them is an federal offense and a violation of 15 usc 1681b. Attached is a copy of the unregistered business admitting to violating federal and state law and my privacy rights. any further reporting will be considered willful non compliance
Product: Credit reporting, credit repair services, or other personal consumer reports

On Tuesday XX/XX/XXXX I contacted Transunion, XXXX and XXXX to dispute incorrect information that is reporting on my credit report. I also mailed certified letters to each bureau on XX/XX/2023 to officially dispute the inaccuracies. As of today XX/XX/2023, the inaccurate information is currently reporting.
Product: Checking or savings account

This account was opened in XX/XX/XXXX and it was closed in XXXX of XXXX for fraud, not on my behalf. They wont let me open another account due to this and will not provide me with transactions for this account. There were a lot of transactions to this account, not sure of the dates because they wont provide transactions for this checking account. I do remember that they charged a lot of overdraft charges from XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that my personal statement be updated. The current statement is not accurate and references a telephone number which does not belong to me. I am asking that the statment below be listed, solely on my report. I am asking that this statement be listed as the prominent statement and not suboordiate to a statement by the credit reporting agencies. 

My ID was stolen, in two security breaches. Found on the dark web, my XXXX & XXXX cards were used without authority. XXXX & XXXX were notified, provided law enforcement reports obtained. I disputed the accuracy & completeness of XXXX & XXXX adverse information reported to the three credit reporting agencies. Each agency provided notice to XXXX & XXXX, as adverse information furnisher. XXXX & XXXX failed to, conduct a reasonable investigation of each dispute ; review all relevant information ; modify, delete, or permanently block the 5 items listed as adverse information.
Product: Debt collection

XXXX XXXX XXXX cancelled my phone and internet service due to my adding XXXX service to my office in XXXX XX/XX/XXXX. It sent a revised final invoice on XXXX/XXXX/XX/XX/XXXX, which seemed to suggest there was a termination fee. I asked XXXX & XXXX for proof of any termination fee, as I did not have such a contract with them ; XXXX XXXX XXXX provided a copy of a XXXX page fax that did not have any termination terms and did not reflect the type of service listed in the bill. Despite having disputed the payment with XXXX XXXX XXXX and getting a resolution, XXXX XXXX XXXX placed the debt with XXXX. XXXX called my office repeatedly, and in XXXX XX/XX/2014, I filed a Notice of Dispute with XXXX XXXX XXXX. My attorney was assured that collection calls would stop while XXXX XXXX XXXX investigated the file, however, XXXX XXXX XXXX never responded to the notice with documents showing that I had any obligation to pay the {$1400.00} bill. Instead, XXXX XXXX XXXX transferred the alleged debt to IC System, which continues to call to collect a nonexistent debt. Litigation was filed with XXXX in XXXX of XX/XX/XXXX however IC System continues to phone at my office, where I am a XXXX, interrupting patient care. I have informed IC System that they are not allowed to call at my office, however, XXXX XXXX of IC System says that she will continue to call.