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

I am contacting you as a victim of identity theft directly linked to the XXXX data breach, which compromised my personal information and has severely impacted my credit standing. My credit report now reflects multiple fraudulent accounts and unauthorized hard inquiries, leading to a significant decrease in my XXXX credit scores. 
Enclosed with this letter is documentation from XXXX confirming that my information was compromised in the breach. I formally request the immediate removal of these fraudulent accounts and hard inquiries from my XXXX and XXXX credit reports. XXXX has already removed these items, and I expect similar action from XXXX and XXXX. To substantiate my claim, I am including an FTC Identity Theft Affidavit and other relevant identification documents. Under Section 605B of the FCRA, I am entitled to have all fraudulent information related to identity theft blocked from my credit reports. The fraudulent accounts include As a result, I am formally requesting, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), that all fraudulent accounts and hard inquiries be immediately removed from my XXXX and XXXX credit reports. In addition, I am disputing the following fraudulent rental and real estate accounts also, which were created in my name without authorization : To substantiate my claim, I have included the following : An FTC Identity Theft Affidavit Copy of my government-issued ID Proof of address ( e.g., utility bill ) Fraudulent Accounts on My Credit Report Personal Credit Card Account Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Bank USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These fraudulent accounts and related inquiries have resulted in unauthorized collection actions, which violate my rights under the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act the list of accounts I have below also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX Original Creditor -- -- -- - XXXX Company Sold Account Type -- -- -- -- - Collection Date Opened -- -- -- -- XX/XX/XXXX Status -- -- -- - Paid in settlement. 
Status Updated -- -- -- - XX/XX/XXXX XXXX XXXX XXXX XXXX Original Creditor -- -- -- - XXXX XXXX XXXX  Company Sold -- -- -- - Account Type -- -- -- -- - Collection Date Opened -- -- -- -- -- XX/XX/XXXX Status -- -- -- -- -- Paid, Closed Status Updated -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX Removal Date XXXX Type -- -- - Credit Unions 15 USC 1681 section 602 A states I have a right to privacy. 

15 USC 1681 Section 602 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681 ( a ) ( 5 ) states no consumer reporting agency may report any items of items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( I ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable that the Information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$3700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  ( Original XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$9700.00} XXXX XXXX ( Original XXXXXXXX XXXX XXXX XXXXY ) XXXX Balance Owed XXXX {$180.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem I am having is that they are reporting a late payment when I was in the process of asking for assistance for the people who were affected by COVID. I asked for the help in XXXX, everything was online. At the end of XXXX I got a confirmation that they received the assistance application for financial help and that they would contact me in 10 days. After that we have been follow up over the phone contact because there had been no response. They have been asking for documents which we have already sent to them. On the XXXX of XXXX I received a letter from them stating they had received the package where I was looking for assistance and that the packet was completed and they would send me a determination regarding the availability of foreclosure prevention. On the XXXX of XXXX they stated they had reviewed the loan and stated I qualified for the pandemic payment deferral program. When I go see my credit report I have made the last payment in XXXX of 2020. In XXXX I asked for help. I appear on the credit report that in XXXX in XXXX the payment was unknown because I was still waiting for response. In XXXX I received letters but still had no offers on programs and I then started paying in XXXX. In XXXX they are showing that I am over 100 days late but I had not been able to pay since XXXX. I have all the documents showing all this as well. Please note that my wife has reported this same complaint already under tickets XXXX, XXXX, XXXX, XXXX. But since credit report is for each person, I need to also fix my credit score, because the mortgage is under both names, my wife and mine
Product: Credit reporting, credit repair services, or other personal consumer reports

i have constantly disputed the accuracies of said account XXXX, and the information reporting i have sent multiple letters requesting validation of the debt which they have never produced. the said companies have refused to answer me. they have violated the FCRA by the following 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate. 

how can this be 100 % correct if yall are reporting it as open and a collection
Product: Credit card

Take a look at the attached documents. I want the bureau to start an investigation into these accounts, as I am punctual, and they inaccurately report me as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and filled several documents with Transunion reporting agency. I filled an FTC report. An affidavit, an FTC complaint number, along with two from of Identification and the items i were disputing. According to FCRA 605B the items listed on the affidavit and ftc report should be block within 4 business days of receipt. I spoke with XXXX XXXX, a supervisor at Transunion. He works in the fraud dept/special handlings. And he informed me that Transunion does follow the FCRA but would not block the items because it takes 30 days. After telling him the the FCRA section 605B states identity theft items should be blocked within 4 business days, he insisted that he would not block them and it would take 30 days. I told him that i contacted the creditors and they told me to follow this process. He insisted that it takes 30 days and began to become very irate and rude. I asked him does the FCRA state that if its identity theft and the constituent elements above are included in a dispute that the items would be blocked in 4 days. He keep telling me that he would not comment on that and hung the phone up. 

XXXX  XXXX is not following the law he claims to be following and he was very rude and unprofessional with me. I was very polite on the call. XXXX  XXXX was not.
Product: Checking or savings account

To Whom it May Concern : I was informed by letter that Barclays Bank has established a fraudulent account # XXXX in my name on XX/XX/2023. 

I assume this is being done by some hacker. 

I did not request nor do not I want this account. 

I want it closed immediately. 

Sincerely, XXXX XXXX
Product: Debt collection

The debt was from a XXXX card with a {$300.00} limit from back in XXXX. I have no signed contract with my name and Worldwide Asset Purchasing II LLC. that is pursuing the debt through XXXX XXXX XXXX. They have garnished my check already for over {$3000.00}. When it got to the amount said I owed, my employer stopped the garnishment. And just recently they received another paper saying my check is to continue being garnished for over another {$530.00}, until they tell the employer to stop taking money out. They are taking around {$180.00} out of each of my paychecks. I have disputed this debt with them several times because I have no signed contract between me and Worldwide Asset Purchasing. I tried to offer an amount to end this and get it out of the way and they refused. First of all this was 15-16 years ago, secondly, I have no signed legal contract with them, third it was a {$300.00} credit card, and last of all, they have collected the {$300.00} over several times past what it was. What part of NO LEGAL SIGNED CONTRACT BETWEEN US FROM 16 YEARS AGO do they not understand.
Product: Credit card or prepaid card

I received Netspend Prepaid Mastercard that I DID NOT APPLY for it!!! It states a plan fee for Pay As You Go Plan, Monthly Plan, or Reduced Monthly Plan. The Pay As You Go Plan is automatically applied to Card Account when first obtaining the Card. I can't get a direct answer from Netspend of what that means. Is it when I received the Card in the mail? Also, why mail solicitation as an actual looking Prepaid Mastercard with my new address referencing a routing number and account number to deposit a payroll and government payments. See attached correspondence of Netspend Prepaid Mastercard information.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am disputing this account under e-Oscar code XXXX. 

This account is not meeting the industry standard, XXXX XXXX Compliance. Modify, update, or delete this account for the inaccuracies and errors : Date Filed/Reported : Equifax says XX/XX/year> but XXXX says XX/XX/year>. XXXX says something different. Which one is it? This is misleading if you both get the same data from the same furnisher. Either modify, fix, or delete the entire account. 

The reference number is different. XXXX says XXXX but Equifax says XXXX. Which one is it? This is misleading if you both get the same data from the same furnisher. Either modify, fix, or delete the entire account. 

What is the closing date? This is incomplete information. Either modify, fix, or delete the entire account. 

Why is the court name 'federal '? XXXX says XXXX XXXX CT FL XXXX and XXXX says XXXX XXXX XXXX. This is misleading if you both get the same data from the same furnisher. That is inaccurate, what is the court name? Either modify, fix, or delete the entire account.
Product: Credit card

Capital one opened up this new credit card in my name and ever since I put in XXXX fraud claim they close this account with no warrant or no issue I had put in a dispute for not receiving goods and they called them a credit line and a hold me responsible for a balance that I agree is mine but shut my whole car down they are repercussion on me because I reported XXXX cars that were not mine and now they shut this car down which I never reported was not mine this account is not fraudulent like the other XXXX by capital one is a terrible company and I will contact my attorney to see why they shut my card down that I support my XXXX-year-old grandmother on for her medication capital one are thieves that just shut your car down without notice I should n't have to pay for goods that I never received I want this investigated to the highest level
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. And noticed a fraudulent account on my report. Please remove this account from my report. It is hurting My ability to obtain credit XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX
Product: Mortgage

Loan XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  I had to take out loans to pay 2-month past due mortgage payment. I paid the amount due myself and then Rocket Mortgage additionally erroneously took out the same amount resulting in a debit to my checking account around XXXX XXXX, XXXX. This was resolved. 

Today, XXXX XXXX, XXXX, Rocket Mortgage initiated an erroneous debit from my checking account for {$4000.00}, resulting in insufficient funds of {$3400.00}. I do not have auto-pay. I called Rocket twice and XXXX  XXXX XXXX twice. XXXX told me only Rocket could fix. Rockets then told me they couldn't immediately fix, it would take 24 hours, and that a higher level service manager would take 3 business days to call me back.

I am without any money whatsoever, no money for food for my family, gas for my car or emergencies. I have no way to borrow any money from friends, family or work. I need someone to help me please.
Product: Credit card

Ultimately, someone used my Macy 's card to purchase an expensive handbag XX/XX/2015. I did n't discover this until XX/XX/XXXX - I had n't received statements for some time, so I logged in to check my balance. I found an unexpectedly high balance at this time. Looking through the activity, I found a purchase I did n't make ( a handbag for several hundred dollars, shipped to a name/address other than my own ), which I reported ( or so I thought ) online. I called back a week or so later, XX/XX/XXXX, to check the status and update my address, as the online address update feature did n't seem to be working. At that time, I was told that online reporting did n't work and that no fraudulent activity had been reported on my account ( concerning ), so I reported the incident to the representative I spoke with and updated my address. Another month passed, and I started to see my credit poorly effected, and I was receiving collections calls about the account. I made multiple attempts to call to ask the status of the fraud claim, but more often then not, I was placed on long holds or disconnected ( or both ). I persisted and continued to try to contact Macy 's, and each time, was reassured, it was in progress, and " these things can take ( x amount of time ) to resolve. '' Each time I called, the time period forecasted was longer - initially 6 weeks, then 2 months, then 90 days. It seems that each time I called, I 'd have to tell the whole story, as notes did n't seem to be taken down. Eventually, one representative confirmed my address with me, and they still had my old address on file, apparently, in parts of my account ( how I 'm to know which parts were updated, I 'm not sure - I had moved and informed them of my new address ... ). 

My credit score has dropped approximately XXXX points and the issue remains unresolved. I 've attempted to speak to supervisors, but these conversations ( if not disconnected ) have led to no action. I 'm promised calls back and do n't receive them. In the 15 or so years I 've had credit cards, my accounts have been hacked a handful of times, and I 've never had to bear the brunt of it upfront. I ca n't believe this is legal, and would love for Citibank ( the creditor responsible for the Macy 's card ) to be thoroughly investigated.
Product: Credit reporting

As far back as XXXX 2012 I have experienced identity theft. My previous dispute was initiated because of this fraudulently opened account. I wrote to the credit bureau about the collection agent and disputed the debt reported by XXXX XXXX XXXX and the creditor XXXX XXXX and have had no response from Trans Union ; XXXX ; XXXX or have I received any assistance in clearing this inaccurate information from my credit files. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX, XXXX XXXX XXXX : {$57000.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$5100.00}, XXXX Balance : {$21000.00}, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX Balance : {$57000.00} XXXX XXXX XXXX  XXXX Balance : {$5100.00}, XXXX XXXX Balance : {$24000.00}, XXXX XXXXXXXX Balance : {$26000.00}, XXXX XXXX XXXX Balance : {$44000.00}, XXXX XXXXXXXX Balance : {$21000.00}, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX, XXXXXXXX XXXX XXXXXXXX Balance : {$57000.00}, XXXX XXXX XXXX XXXX : {$5100.00}, XXXX XXXX Balance XXXX {$21000.00}, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, DEPT OF ED XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, DEPT OF ED XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has placed a negative credit report stating I did not pay a bill when this bill was added on to account that had a XXXX balance. I called the XXXX XXXX and a representative stated that XXXX XXXX would take care of this. It has not been taken care and this bill is not due until XX/XX/2022 so I could I be delinquent? 


COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022
Product: Consumer Loan

Numerous phone calls at work even after I have stated that I am not allowed to receive personal calls as well as threats in regards to showing up at my job and contacting my manager directly. I have provided the hours that I am available after work and they are closed during those hours so they told me that they will continue to call me at work and leave harassing phone messages on my work voice mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had been a XXXX XXXX XXXX customer for years and always was on time with my payments. I always made on time payments. 

I have a few car accidents on me which made things difficult for me at work and as a result I lost my job. 

My last purchase was about {$50.00} and due to life hardships, I was unable to pay my last balance of only {$50.00}. 

I started to received very intimidating calls in behalf of this balance and was told that I needed to speak to a lawyer and that they will take legal actions. 

Unfortunately, I was unemployed by this moment. 

Since I had 3 car accidents things got very complicated financially and couldn't afford to pay this debt. 

As a result, they started to report my debt and the balance went from {$50.00} to over {$310.00}
Product: Mortgage

Hello I received a letter from Wells Fargo stating that I had a shortage in my escrow in XXXX of this year and had an option to pay the shortage or they would increase my mortgage from XXXX to XXXX. Well I paid the escrow amount which was {$20.00} and I currently have an escrow balance of {$710.00}. I was told by a rep today that even thought I paid the escrow balance they were still going to increase my mortgage as a cushion for the future shortages. 

Well the future has not occurred and I have paid the shortage they requested. Therefore I should not have a mortgage increase for no reason. If I have an shortage or an overage I am usually notified by them so the issue can be resolved. This is how they mis-managed my mortgage from the beginning and every year it increased with outrages amounts until I got behind and then they wanted to foreclosure on my property to take my home without any workout options at that time. I am also a victim of the XXXX XXXX  lawsuit they had to pay to their customers and they sent me an amount that was not acceptable and I am currently challenging them to do right by me as far as the payout, Therefore I am hoping this is not their way of retaliation again me by increasing and raising my mortgage to recoup the funds they have to payout. 

I don't trust them they have done too much damage to me mentally, financially and physically and I want them to leave me alone as I am caught up and working on staying caught up so I don't lose my home.