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

I am writing to formally notify you that I am a victim of identity theft related to a data breach. 
The fraudulent activity associated with my identity has resulted in unauthorized accounts and inquiries appearing on my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following items from my credit file : Fraudulent Accounts : XXXX. Creditor Name : XXXX XXXX XXXX  o Account Numbers : XXXX, XXXX, XXXX o XXXX Reported : XX/XX/XXXX and XX/XX/XXXX o Balance : {$0.00} XXXX. Creditor Name : XXXX  o Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$8800.00} XXXX. Creditor Name : XXXX o Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$2300.00} XXXX. Creditor Name : XXXX XXXX XXXX  o Account Numbers : XXXX, XXXX o Dates Reported : XX/XX/XXXX and XX/XX/XXXX o Balances : {$2100.00} and {$520.00} XXXX. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$1700.00} XXXX. Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$150.00} XXXX. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$0.00} XXXX. Creditor Name : XXXX XXXX XXXX Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$4200.00} XXXX. Creditor Name : XXXX o Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

A young lady with my first name was sharing my account with me not sure how she was able to use my account without chase being able to catch her and unfortunately for me she was collecting my paychecks from my partime job for over 6 months and I am now out of almost {$10000.00} I have tried to resolve this issue with chase but to no avail, I need my money to pay my bills and to take care of my family please help me catch this criminal.
Product: Credit card or prepaid card

On XX/XX/2022, I mailed a personal check for {$490.00} to Capital One, in the window envelope provided with my monthly billing statement, along with the detachable payment coupon for my bill. I sent it to Capital Ones post office box, designated for mail-in payments. This was a full/timely payment of my monthly bill. On XX/XX/2022, Capital One informed me that my payment was never received and that I should expect late fees to be applied. I immediately confirmed with my bank that my payment was negotiated and my bank provided me with a front and back copy of the cashed check. The back of the check shows a scanned endorsement for a deposit into a business account with XXXX for another entity, and expressly references my entire credit card number. I provided this information to Capital One and asked verbally, and in writing on XX/XX/XXXX and again on XX/XX/XXXX, that Capital One conduct a thorough investigation concerning my misapplied/misappropriated payment. Instead, on XX/XX/XXXX I received a letter from Capital One ( dated XX/XX/XXXX ), informing me that my negotiated payment, payable to Capital One, was not endorsed or cashed by Capital One and that any temporary credits related to this dispute will be removed and that I need figure what happened to my payment. I received no explanation about how my payment, payable to Capital One and delivered to a presumably secure post office box was intercepted and by whom, nor why my specific credit card number appears beneath the name of the account holder where my misappropriated funds were deposited. I attempted several times to contact Capital One to discuss how to resolve this but have been unable to reach anyone in Capital Ones Payment Investigation Department. I completed an Affidavit of Forged or Missing Payees Endorsement for my bank and have asked my bank to investigate but am told that could take up to 90 days. Meanwhile, Capital One is re-billing me for the funds I already paid due to its own negligence in mishandling my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from a company called XXXX that stated that my personal information had been accessed from one of my employers or some organization like that. It said my social security number and other data had been accessed. It told me that I could get credit monitoring free for one year because of this breach from XXXX. I joined this site with an activation code provided. It asked for the last 4 digits of my social security number, which I was willing to provide. The site seemed to verify my identity in a normal fashion and let me provide a userid and password. However, then it said it was temporarily unable to access my credit data - try again later. I tried again for a week and then called the customer service number. They wanted my full social security number or told me they could not help me ; I wasn't in the system by name. I would not provide the number. It appears to be some kind of scam even though Transunion seems tone involved. If my personal information was illegally accessed, I do want the free credit monitoring but I also want to know who exposed it so I can take some action. Hiding the party that exposed my data seems illegal on the surface.
Product: Credit reporting, credit repair services, or other personal consumer reports

To CFPB, I'm contacting you regarding Trans Union and the fact that they appear to be jacking with my credit score. I suffer from XXXX  and have been in and out of the hospital and in the midst of all this Ive noticed that over the last 60 days my credit score has gone down almost a 100 points for no apparent reason. I have noticed in the past that you have fined companies like Trans Union for tampering or trying to sell consumers a product regarding their credit score which ended up being very miss leading. There has been no change to my credit in the past 60 days, and I have paid my bills on time.

I think its time to re investigate this company for possible fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A. Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open and consumer credit plan as late for any reason
Product: Debt collection

ERC is reporting a XXXX collection to XXXX, XXXX and XXXX - all stating I opened an account in XXXX XXXX. They continue to report derogatory conditions as recently as XXXX XXXX. Almost 24 months of derogatory reporting for a debt I know nothing about. I have received ZERO paperwork from XXXX or ERC about this which is a clear violation of the Fair Credit Reporting Act. This item should be removed from my credit profile.
Product: Checking or savings account

After moving NY to XXXX XXXX and later in XXXX my information was used by others. Please find the attachment and let me open my account urgently. I came to XXXX for a new XXXX and back by XXXX 2023 to XXXX. I need account for my basis pay check.
Product: Credit reporting, credit repair services, or other personal consumer reports

According with the Fair Credit Report Act XXXX acct no. XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions. 

According with the Fair Credit Report Act XXXX  acct no. XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions. 

According with the Fair Credit Report Act XXXX acct XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions. 

According with the Fair Credit Report Act XXXX acct XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Just a few weeks ago, after I pulled my credit report from XXXX and review it, I found out multiple collection accounts that were not mine, also multiple false addresses on my credit report. Several years ago, I lost my personal documents, that could be one of the reasons of why those unknown accounts were on my credit report. After reviewing my credit report, I have no other reason but to believe that I am a victim of Identity Theft issue. The following collection account does not belong to me and/or any transaction I had made : alleged account with AMERASSIST AR SOLUTION ( XXXX XXXX )
Product: Credit card

We received a letter from Macys regarding a purchase on our credit card that neither one of us made. Good news is Macy 's declined the purchase so account was not charged. Instructions indicated to call Macy 's which I did and spoke to XXXX who could not or would not provide details about the purchase other than the attempt was made on XX/XX/XXXX but could not be completed. I asked if our account was hacked and the response was yes. I asked if there was an announcement about the hacking and response was no. Thought all hacks had to be reported. Account was closed at my request.
Product: Debt collection

This started back in XX/XX/XXXXor XX/XX/XXXX and ERC opened an account that showed up on my credit reports for {$1800.00}. I have repeatedly tried to explain that this is not my account and that XXXX XXXX stole my identity just like he did with a car loan, XXXX XXXX   account, and XXXX XXXX. They keep refiling this so it will stay on my credit report even though I have told them time and time again that it is not mine. I live in XXXX XXXX and my only name is XXXX XXXX XXXX. He applied for credit with a name XXXX XXXX. That is not now nor ever been my name.
Product: Debt collection

On XX/XX/2022, i send a certified mail to Portfolio Recovery Associates LLC regarding some collection account on my credit report, XXXX XXXX # XXXX, XXXX XXXX XXXX and XXXX # XXXX, that I'm not liable for this debt and i want them to provide me with the original application, Explain what this account is, who you are collecting a debt for, Provide me the address of the original creditor you use to obtain validation for this debt, Show me you calculated the alleged debt balance, Provide me the original paperwork that show I agree to pay this amount and Provide me the billing statement identifying the last date of delinquency, which identifies the status of limitation for this alleged debt. 
Portfolio Recovery Associates LLC failed to provide me all the documentation I had ask for, also I believed that they are reporting false information on my credit which had have a negative impact on my credit report. They violating my right 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 states that a consumer reporting agency can not furnish a account without my written instruction I have attach the letter I mail to them also, the letter I had received back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove my late payment from XX/XX/2022 its been updated with the other XXXX credit bureaus its hurting my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank XXXX XXXX on my credit report is showing charge off when this account was paid in full. I have had to do my own research in making attempts to clear this up and there is no contact information made to the consumer. The contact information on my report with all three credit reporting agencies is as follows : Contact XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX This is XXXX credit card services phone number however, XXXX credit card services does not facilitate the card there is an address that you can write to which I have however, the company consistently has NOT responded and the consumer is unable to contact anyone that can directly assist in correcting data that is being reported on credit reporting documents falsely. This was a credit building card taken out as recommended by Experian and XXXX. This company XXXX XXXX does not serve their consumer fairly. This account was paid in full years ago and closed by the consumer. This was done in a phone call to XXXX XXXX XXXX. through a branch of XXXX XXXX XXXX ( https : //www.cardworks.com/ ). When trying to speak with XXXX XXXX they circle you back to XXXX credit card services and it goes back and forth. NO ONE HAS AN ANSWER! This business is run as a " boiler room '' type of business if you will ; hacking up consumers credit profiles. There is no direct access to these business for the consumer. Therefore the consumer is left making attempts to clear up their account for months which is becoming disabling.
Product: Checking or savings account

Opened a Citi Checking account and made enhanced direct deposits totaling {$1000.00} within the first 90 days to receive a {$200.00} bonus. The promotion bonus was advertised to be sent within 30 days. 30 days has passed and I haven't received the bonus, now I'm charged a monthly fee for not having {$1500.00} or direct deposits on the account.
Product: Credit card

I tried to make XXXX separate payments to Capital One for my accounts ending in XXXX, XXXX, XXXX. All XXXX accounts would not accept a payment by debit card both online, through the app & over the phone. thus resulting my payments to be late. I believe this is obtain an extensive amount of late fees from all Capital One card holders. I was prevented from making a debit payment only until my accounts were PAST DUE. Only then I could make a payment using my debit card, once late fees had been placed on my account. I made a small payment. Then once the next payment was due I could not make another DEBIT CARD payment. Thus resulting in more late fees. I contacted Capital One through the automated chat to alert them of the issues and I was informed they would only wave XXXX late fee. I explained the situation and I have included the chat detailed attached.
Product: Money transfer, virtual currency, or money service

I had a problem with my coinbase account where my account was hacked and assets stolen. I reached out to coinbase who says my passwords and security is up to me. I opened this accoun in XXXX of XXXX and bought 5 different crypto investments over the next few months totaling {$1100.00} of my own money. On Monday XX/XX/XXXX my password was changed so I logged on and was able to change but 15 minutes later I received another alert that my password was change again. I have called and called to get someone live but NO luck. My bank account linked to coinbase then had XXXX dollars being processed. I had called the bank to place a stop order on this which was done. However, Coinbase says my last transaction was not completed and I can not use my account until I pay the XXXX that is outstanding. My account was breached and all assets were sold off none of which were authorized. I'm attaching the history of my account for review. 
How do I move forward on getting my assets back or refund what I had invested. Coinbase is absolutely no help.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. $ 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. $ 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. I hereby request that Experian : 1. Conduct a thorough reinvestigation of the below disputed accounts or items 2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation.

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated time frame. 

I want reported accounts removed : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

a company made a hard inquiry on credit report on XX/XX/2014 i never gave the company permission or had any dealings with them for employment or financial i contacted experian who said it was valid inquiry and provided with the company 's phone, i attempted to contact them and the number is not in service the address provided as well is also incorrect the post office returned mail addressed to them. i now feel the company does not exist and this could some of fraud or identify theft on the company that pulled my credit report without permission
Product: Debt collection

I received an automated phone call on Thursday XX/XX/XXXX from XXXX XXXX about a debt urging me to go to their website to pay the debt. When I visited the website and put in some information it was for a {$4800.00} debt from a payday loan company, Allied Cash Advance. I have never used this company and do not owe them anything. I filed a claim with the Federal Trade Commission at XXXX. Claim number XXXX. 
At XXXX XXXX, there was no way to talk to a real person via phone or chat. I called ( XXXX ) XXXX and was greeted by only an automated voice and not given a chance to talk to a real person, only referred to the website to pay off the debt. I also chatted on their website and they only referenced the website as the place to get information and pay off the debt. I also called the company that initially held the loan, Allied Cash Advance, and started a claim with them through their feedback team. Case number XXXX. 
The calls from XXXX Recovers only intensified and were followed by text messages after I accessed their website. Here is a transcript of a voicemail that they left : " Hi this is XXXX with XXXX  this is not the first time we tried to call in and out certainly won't be the last until we can get something figured out here I am did want to make you aware that the extra 10 % savings applied to your pay off online is temporary so I urge you to lock in the settlement on your account now even if you don't have the funds to settle it you can set up a partial payment plan or you can schedule your settlement for a later date when you are able to pay it as of now the 1099C tax form has been issued on this account so please take care of it before further action is required we do also report to the credit bureau 's all applicable accounts so again I urge you to take a seriously and take advantage of this offer our website address is XXXX I'm legally required to inform you this is in attempt to collect a debt thank you The number was ( XXXX ) XXXX. I received at least 5 calls in less than 18 hours. Some of the calls came from other cities and numbers.
Product: Debt collection

I was left a message by a private number stating they were going to file papers in XXXX XXXX to locate me with the sheriff 's office. They left a phone number of XXXX ref no : XXXX. I called and a male answered with just his name when I asked who they were with, they just kept repeating their name not a company 's business name. When asked again by me for the XXXX time they just said summit which I never heard of as a collection agency. When asked for my personal information I told them since they had my information why were they requesting it, he claimed it was to identify me. When I said I wasn't going to give it to them they proceeded to threaten me with legal action by contacting XXXX XXXX sheriff 's office.
Product: Credit reporting

I discharged from bankrupcy in XXXX 2015. I believe there is information reported on my reports that should not be there. ( ex : open status, balances )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX , XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX bankruptcy discharged : XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

TransUnion and XXXX XXXX continue to report and allege debt I do not owe. I did not receive any documentation or contact information for the party whom they spoke with to validate this debt. Under the Fair Credit Reporting Act this debt had to be properly validated before it was able to be reported.
Product: Debt collection

Cascade collection in XXXX Oregon filed for a garnishment. I called and asked for a statement of the balance as they garnished me 2 years ago for the same debt. They refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquires ae not mine, some of them are from different areas I never once applied to. They are fraudulent inquires made on my credit report from XXXX.. 
XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, IL XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX