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

I am a victim of identity theft. There are several accounts and inquires on my 3 credit reports thats I didnt give permission or authorization to open these fraudulent accounts
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transuion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report three fraudulent accounts appearing on my consumer FICO Transunion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a medical account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and another credit card opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

The information reported on my credit report does not belong to me and needs to be removed immediately. I have reported this over and over. Please remove these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received alert from XXXX XXXX based on fraudulent data. XX/XX/18 After talking to several people at XXXX XXXX on XX/XX/XXXX I was then left on hold over 30 minutes to be forwarded to supervisor then hung up on me,. Recalled, and told must call Equifax. Equifax told me it was XXXX XXXX problem, call them, On hold again 40 minutes. Told Not their problem, call Equifax. Refused to give me a phone # other than that on web site #. 
All Credit Cards # on XXXX XXXX suite are fraudulent. All reports on Credit status for past 10 years aprox, have been Fraudulent.

Have PAID for this inept service for over 10 Years!.

NO ONE offered to help resolve problem at XXXX XXXX or Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 XXXX  says that Ameri financial solutions collection is valid. I paid off the collection with the original creditor in early XXXX. XXXX XXXX XXXX XXXX had my wrong name and address. Thats why I never go the bill.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain information on my credit report, which I believe is inaccurate. I have reviewed the credit report provided by your company, and I have identified the following discrepancies. 15 USC 1681 e ( b ) ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Student loan

In XXXX I went into default on Student  loans due to unemployment. 
I went into collections. The letter stated I owed over XXXX XXXX  in principle, interest and other fees. 
My original loan with interest was paid down below XXXX XXXX in XXXX with payments on and off until XXXX. 

At that time I requested payment history, and validation of debt by collector. 

Non was received. 

My loan went back and forth this way between Navient and collections. 

In XXXX, a collection agency finally answered my request with incomplete records. Only providing the application for consolidation of loans and a short 2 year history of payment from XXXX through XXXX. 

My student loans have been offset by my federal and XXXX refunds since XXXX and there was no record of those payments. 

When this was reported to that agency, I have heard nothing since.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I XXXX  out to XXXX XXXX XXXX XXXX to inform them that I am a victim of identity theft and that the account they have reporting on my credit file is not mine. They still have not removed the account.
Product: Debt collection

My husband and I applied to refinance our home. In the credit report, they advised that there was a collection for a debt for XXXX  thru IC Systems for {$1500.00} that I needed to take care of. I contacted the company, IC Systems, and the representative told me I needed to pay them as XXXX reported the debt as unpaid. I needed to contact the previous debt collection agent, XXXX XXXX, XXXX. I contacted XXXX XXXX and they were absolutely NO HELP. Representative told me that they reported the debt paid to XXXX and it wasn't their problem. In the interim, IC Systems continues to contact me stating that the debt is still owed to them. I have sent the receipts from XXXX XXXX to XXXX  Credit Reporting Service to show that the debt was paid and to remove from my credit. IC Systems refuses to remove this debt from my credit - they insist it isn't their problem. Despite having receipts showing debt is paid - neither company will assist in getting this debt removed from my credit.
Product: Credit reporting or other personal consumer reports

In this carefully orchestrated dance of finance and privacy, my right not to have my-personal information unjustly shared, finds backing in 15 USC 6801 . The clause articulates that every financial institution, ( which, in this case, includes the Furnisher of information to credit agencies ), has an unyielding obligation to maintain the sanctity of their customers ' privacy and to shield their nonpublic personal information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

XX/XX/year> TARGET I tried paying my balance off using the same account I've been using it was pending but it didn't clear then I received a call that they won't receive payments from this account. Which was strange to me because I have paid this account and never had issues. I have made payments but this last one would have paid off the balance. Then they closed it when I tried to make a payment with another account and are trying to take use my auto pay with the account I was told I could not use for payments. I tried calling no one helped me resolved my issues. I asked why they clos w my account when I was still trying to make payments.
Product: Checking or savings account

Signed up in branch with a banker regarding a business promotion offered in branch. 

Deposited {$25000.00} within 60 days of opening the account and kept the money in the account for 90 days as that is what the promotion stated. 

It is now XXXX  months since opening the account and I have yet to receive my promotional bonus. I have reached out to the banker but received no response. My account was locked accidentally by CItibank and had to go in-branch to meet with a banker for XXXX hours to get it unlocked which the banker stated my bonus was indeed attached in XXXX. However, i am still unable to access my account as of today and they are telling me I need to go in-branch again.
Product: Credit reporting or other personal consumer reports

As per the guidance from Consumer Financial Protection Bureau the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Finale Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human Trafficking Debt Bondage and would like all listed accounts blocked and deleted company information Transunion. Please delete the following accounts XXXX  Date Opened : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX DATED OPEN : XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Under the FCRA, consumers have the right to sue credit reporting agencies or furnishers of information ( such as creditors or debt collectors ) for violations. 

Key Points of the FCRA : Damages for Willful Violations : If a credit reporting agency or information furnisher willfully violates the FCRA, a consumer can sue for actual damages ( including emotional distress ), statutory damages ( ranging from {$100.00} to {$1000.00} per violation ), punitive damages, and attorney 's fees. 
Damages for Negligent Violations : For negligent violations, a consumer can recover actual damages, along with attorney 's fees. 
Examples of Violations : Failure to correct inaccurate information on a credit report after being notified. 
Not providing proper notice of a negative action based on a credit report. 
Failing to investigate a dispute properly. 
Statute of Limitations : Lawsuits under the FCRA must be filed within two years from the date of discovery of the violation or five years from the date of the violation, whichever is earlier.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I had received a call from TD Bank using their phone number. I was told that there was fraud on my account and that I had to authorize a certain amount of money so that they could put it back into my account. I was asked to give my social security number, but no login information, which means that they were already in my account but needed a way to get the money out. I was told not to check my account for 2 days so that they could work through the situation, but I found out the put all of my money from my savings into my checkings and sent it in 4 payments using XXXX XXXX XXXX. They sent themselves {$1400.00}, another payment of {$2100.00}, another payment of {$2400.00}, and a last payment of {$2400.00}. I called the fraud department of my bank and they put in a dispute claim but it was unsuccessful due to the fact that I was tricked into authorizing the first payment. I am unsure where to go from here or if I can even get the money back since they tricked me into authorizing something, but {$8400.00} was my entire savings from my first year working at my career job and isnt something I am willing to give up without atleast trying different ways to get the money back. I am willing to talk to whoever I need to, to try and help me work through this because it has been a stressful month for me. Thank you.
Product: Debt collection

Porfolio Recovery Associates LLC is trying to renew/revive a disputed debt from 2013 that was already contested through the Massachusetts Attorney General 's Office in sometime between XXXX. The AG 's office resolved this issue as I was able to prove that I did not owe this debt. The matter was resolve and all my documentation to prove this is now shredded and disposed as it is over XXXX years ago. Since I didn't owe this money and resolved the matter with our AG 's office, I have not sent money, nor contacted this company. They are illegally trying to revive this contested matter and I am seeking the help of the federal government to step in and enforce the law. I have also filed another complaint with my state AG 's office again today regarding this. The statute in MA is 6 years. This is back on my credit report and it's past the XXXX year federal statute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$630.00} ; XXXX  XXXX XXXX Balance Owed : {$890.00} ; XXXX XXXX XXXX XXXX Owed : {$500.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXXBalance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ( included in bankruptcy ) ; Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016
Product: Credit card or prepaid card

Two related complaints : My card was 1 ) improperly declined, I believe, because of a problem in the bank 's system dealing with payments that wasn't adequately disclosed. The bank 's website also displayed incorrect information to me. 

What happened : - I set up auto-pay - Unbeknownst to me autopay needs a full billing cycle to work, so after setting it up, the next payment won't be made. 
- This wasn't adequately disclosed. In fact, the dashboard on the website told me autopay was set up next to the statement balance so I didn't worry about it. 
- The payment reminder email didn't say anything about this autopay delay - The due date past and I was charged a late fee ( {$27.00} ) - I called Barclaycard and set up a payment over the phone and they waived my late fee - A few days later, on XX/XX/XXXX I received an email that my payment was received.

- On XX/XX/XXXX my card was declined, even though I paid on time for a normal transaction under {$15.00} at a cafe. I think they declined it because their system thought I hadn't paid. It was embarrassing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Firstly I want to say, there is a previous claim I made and verified over the phone with you all today ( XX/XX/2023 ). I was told that I can't file complaint on multiple places in one. The one that I verified today is against XXXX XXXX  for the credit card that was opened fraudulently under my name. 

This new complaint I am filing is in correlation but this one is towards Transunion ( who I already have a current complaint in process with ) that my credit score is incorrect now ( dropped XXXX points due to this fraud credit card with XXXX XXXX ). I want that fixed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX mortgage, has violated my rights. 

15 USC 1681 section 602 a. 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 1666 b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXXe
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my Chexsystem report I seen fraudulent inquiries and fraudulent account
Product: Credit reporting or other personal consumer reports

I

HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX & XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX
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 XXXX out of XXXX 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 inquiries : XXXX - XX/XX/2023 XXXX - XX/XX/2023
Product: Debt collection

Ive disputed several times for the past 6 months that this collection with Jefferson Capital is not my debt. The credit card account was opened fraudulently and I did not authorize it. They keep closing it and opening it on my credit report. The account for XXXX is not mine and Ive reported it several times. It doesnt not meet FCRA requirements and it needs to be removed from all XXXX credit bureaus immediately
Product: Money transfer, virtual currency, or money service

Dear PayPal XXXX, I am writing to appeal the suspension of my newly created PayPal account, registered with the email address XXXX. I was surprised to receive a notification shortly after registering for my account that it had been suspended. As a first-time user of your service, I have not engaged in any activities that violate your policies. 

I kindly request that my account be reinstated, and I would greatly appreciate it if you could provide me with an explanation for the suspension. I have not had the opportunity to conduct any transactions or use any of the features of your service, so I am unsure of the reason for the suspension. 

I would be grateful if you could review my account promptly and provide me with a response regarding its status. Please feel free to reach out to me at [ ] for any further information or clarification. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

NCB Management in violation of 808 and 809. Unfair practices and Validation of debt. 
I failed to receive in writing : ( 1 ) the amount of the debt ; ( 2 ) the name of the original creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Product: Debt collection

I initially disputed the account with XXXX in XX/XX/XXXX. On XX/XX/XXXX, XXXX responded, stating that the account was deemed legitimate. Following this, I requested, under FCRA law 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), a detailed transcript of the steps taken to investigate the accounts legitimacy. On XX/XX/XXXX, XXXX replied that the account would remain on my report but did not provide the requested transcript. Notably, both XXXX and XXXX have deleted this account from their reports.
Product: Credit reporting or other personal consumer reports

MY PROFILE HAS BEEN COMPROMISED BUT EQUIFAX HAS DECEIVED ME! ON XX/XX/XXXX AND XXXX 2023 EQUIFAX REPORTED TO ME BY LETTER AND RESPONSE HERE THROUGH THE CFPB THAT THESE INQUIRIES XXXX, XXXX, XXXX, XXXX XXXX, AND XXXX HAVE BEEN DELETED, BUT THESE INQUIRIES ARE STILL BEING REPORTED TO MY EQUIFAX CREDIT PROFILE! THIS IS UNACCEPTABLE AND EGREDIOUS THAT EQUIFAX IS IGNORING MY DISPUTES AND USING DECEIVING PRACTICES! I AM TAKING LEGAL ACTION IMMEDIATELY IF THESE ITEMS ARE NOT RECTIFIED NOW UNDER FCRA 605B. I HAVE ATTACHED PROOF THAT EQUIFAX HAS INFORMED ME ON XX/XX/XXXX AND NOTIFIED BOTH ME AND THE CFPB ON XX/XX/2023 THAT THESE INQUIRIES HAVE BEEN DELETED ALONG WITH PROOF THAT AS OF XX/XX/2023 THESE SAME INQUIRIES ARE STILL REPORTING ON MY EQUIFAX CONSUMER PROFILE OVER A MONTH AFTER YOUR CLAIM OF DELETION. DELETE THESE ITEMS IMMEDIATELY OR MY NEXT STEP IS TO CONTINUE WITH MY SUIT AGAINST YOU!
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland refused to stop publishing inaccurate information in my credit file to all 3 credit bureaus as well as honor my request have the accounts deleted from my file.
Product: Credit reporting or other personal consumer reports

I put my social security number in to Experian and my twin sister information came up and it was all her information and my telephone number and email address. This is very problematic and it has caused me a great hardship and continues to prevent my score from increasing, and gives the impression I had filed bankruptcy and had accts not belonging to me.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/2020, my sister send a wire transfer from the XXXX XXXX to Bank of America ( receiver : XXXX ) Bank of America, NA XXXX, FL US for the amount of {$2500.00} U.S dollars. The final destination suppose to be XXXX XXXX. Bank of America is the intermediary Bank. The money was never received or send to XXXX XXXX. A complaint was filed against XXXX XXXX and they responded that they never received the {$2500.00}. Please see attached receipt for the transaction, Note on the attached documents the information showing Bank of American receiver XXXX. in XXXX, FL. Please see other attached documents.
Product: Credit reporting

i cancelled my service and at the time i owed 1 month approx {$80.00} it took XXXX 3 months to disconnect their service. i offered to pay {$80.00} but they would not consider it and said i owed 3 months {$380.00}. i do not intend to pay them their amount.