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

Dear Consumer Financial Protection Bureau Someone had fraudulently created a credit card account with XXXX XXXX and charged over {$5200.00} under my name and this amount has been over due for several months now. I do not bank with XXXX XXXX. 

I have always paid my credit card charges on time and there has not been any arrears in payment unitil this incident. 

My credit score had always been high but because of the fraud, my credit reporting has plummeted to a very low level. I have contacted Transunion, XXXX and TransUnion about this but nothing is being done. 

I have spoken to the fraud department at XXXX XXXX and after investigation they have concluded I have been fraudulently charged. However to this date, nothing has been done to clear my name nor my credit report/score. 

I have recently found out that there was data breach by XXXX and they are being sued for data breach of confidential customer information. I strongly believe that I am one of the victims from this data breach. 

Please include me in your class action lawsuit against XXXX. I deserve some compensation because my credit and name had been tarnished. I have put in great deal of time and effort in trying to solve this fraud. 

Yours truly, XXXX XXXX XXXX, CA
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX and Equifax hard inquiries keep reporting double or triple in the same months I never checked until recently because I didn't think they mattered I have inquiries from credit cards I already have saying that I keep reapplying for them when I'm not it keeps showing that I'm applying for Mortgage services only on Equifax and not XXXX even though I'm not even trying to purchase a house I don't know how else to put a stop to this I keep trying to mail letters but nothing is getting done
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681c-2 please block and remove all information resulting from Identity Theft. I have recently checked my credit report and have noticed some accounts that do not belong to me. Please block and remove all information resulting from Identity Theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I filed XXXX XXXX Bankruptcy in XX/XX/XXXX. Ally Financial was one of the creditors that was discharged in the bankruptcy. I have reached out to Ally Financial about this matter on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. It was discharged on XX/XX/XXXX every since then Ally Financial has been reporting illegal information to XXXX XXXX XXXX monthly stating that my account is in major delinquent as recent as XX/XX/XXXX there are continuously reporting negative updates to credit bureaus when these accounts are supposed to closed due to being discharged. They are still treating the account as if it is open to affect my credit. I have reached out to them as well as the accounts are not showing {$0.00} balance on XXXX account when it was discharge it is suppose to show this. This matter needs to be address with Ally Financial. Also I have reached out to credit bureau about this matter on XXXX and XXXX XXXX, XX/XX/XXXX. They are not following bankruptcy law and they are still affecting me as a consumer that has with through some challenges and is trying to put this behind me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the late payment reported by XXXX. My account number ends in XXXX and the last four of my SS # is XXXX. I have been impacted by COVID. Not only did I have the virus and was in the hospital for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XX/XX/2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! I WILL PAY THIS ACCOUNT IN FULL ONCE THEY CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES AND CALL ME ONCE THAT IS DONE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX {$880.00XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX {$970.00} XXXX XXXXXXXX {$10000.00}
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Debt collection

Called from a blocked number and threatened legal action in a voicemail. I already paid this debt prior to it going to collections, and I have the canceled check to prove it cleared to XXXX XXXX XXXX. Not only that, but this was a fraudulent account set up with my information without my consent and then not paid for by my ex spouse who works at XXXX XXXX XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

company as of XX/XX/year> Ad/Comenity/Ulta is reporting a charge off of {$1200.00} on my credit report and has failed to provide me with 1099 c so I can report to Irs. and this account was paid in full.
Product: Credit reporting or other personal consumer reports

I have disputed XXXX XXXX numerous times and I do not believe Experian is investigating this properly. I demanded to see a debt validation and notice of assignment showing the debt collector was assigned to collect on this. I do not have any knowledge of ever having XXXX  services.
Product: Credit reporting or other personal consumer reports

I sent two separate letters on XX/XX/2023 and XX/XX/2023 advising of incorrect information to be removed with accounts that were inaccurately reporting. I asked for proof of those alleged accounts with my wet signature and if they were unable to do that, to please remove that misleading information from my account. The company sent a letter saying it was verified, with no proof, and they can not reinvestigate.
Product: Credit reporting or other personal consumer reports

FINAL NOTICE RE : DEMAND FOR DELETION OF LISTED ITEMS/Per XXXX Privacy Act Also see ; Gramm leach Bliley act 15 U.S. Code & 1681- Congressional findings ad statement of purpose ( XXXX ) consumer reporting agencies have assumed a vital role WHERE DO YOU GET YOUR AUTHORITY Consumer Relations Dept : THIS SHALL PROVIDE YOU FORMAL WRITTEN NOTICE of numerous violations of FCRA consumer law statute, regarding said personal private credit file. 
Per the FCRA, I am entitled to have a fair and accurate credit report. 
XXXX PRVACY ACT, you have the right to privacy., 15 US code 1681 602A the right to privacy,.

15 US code 1681 604 A cra can not furnish an account without my written permission., See non-public personal information., 15 US code 6802-obligations with respect to disclosures of personal information 1. Notice requirements ; The term affiliate means any company that controls, is controlled by, or is under common control with another company. 
A person can only report to a affiliated corporation., A affiliated corporation is one in which the reporting person has a 51 % or greater controlling interest., 15 US code & 1681s-2 ( 7 ) Negative information 1. Notice to consumer is required 1. In General ; any financial institution that extends creditshall provide a notice of such furnishing of negative information, in writing, to the customer.

This shall be done 30 days before, or after furnishing of any such negative information.

Reporting of any alleged debt, as if it is a actual debt, ( never verified/validated or court order ), is ultra vires action, HEARSAY. 
Without a consumers written permission, reporting of any unauthorized information, for a commercial purpose, is a ultra-vires criminal RICO, ( 3 or more ), violation, resulting in, 18 US code 1028A- Aggravated Identity Theft, actions Designed to keep American consumers in illegal/unlawful financial slavery, see XXXX XXXX XXXX 487 U.S. 931 ( XXXX ). 
The below listed items are incorrect and are causing irreparable harm and distress because of your predatory business practices. 
Any continued reporting would be another violation, 15 US code & 1681n, knowingly, violating consumer lawyer, and Calif business professional code 17200. 
These items are as follows
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX : XXXX XXXX  : XXXX XXXX : XXXX XXXX : XXXX XXXX  : XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX : XXXX/XXXX  : XXXX/XXXX
Product: Credit reporting

I settled an account with XXXX and they are reporting late payments after settlement negotiation and received payment. I have directly called and faxed XXXX and they are stating information is correct. I attempted to contact them multiple other times to keep disputing with all XXXX credit reporting agencies. This company can not report late payments on a settled paid account!!!! Primarily reporting wrong information to Equifax.
Product: Credit reporting or other personal consumer reports

I have been disputing this account as fraudulent for 3 years now. I have never done business or opened a XXXX Account nor authorized XXXX to access my personal information or report to credit bureaus on my behalf. 

This account is fraud and has not been accurately verified whatsoever. It is affecting my creditworthiness and ability to purchase a home. This is NOT my account and I have no knowledge of who opened this!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested the method of verification you used to determine the items I was disputing were accurate. I specifically asked what certified documents were reviewed to conclude the investigation and to provide me a complete copy of all the information that was transmitted to the data furnisher as part of the investigation as required by the FCRA. You claim that you have verified the items I requested an investigation of, so I legally requested a copy of the procedures and documents you used to verify the information by certified letter return receipt # XXXX. Experian received and accepted my letter through registered mail dated XX/XX/XXXX. To date you have not responded to this request and have not provided me with any information on the method of verification used in your investigation and have thus not performed your duty mentioned in the law. I expect an actual verification method other than the XXXX used to determine the accuracy of my information. Your companys response to my complaint with the Consumer Financial Protection Bureau is nothing more than the legal disclaimer you are required to submit to consumers by law and not an actual answer. My next action is to file an actual lawsuit against Experian with my attorney if my original request from XX/XX/XXXXis not honored.
Product: Credit card or prepaid card

On XX/XX/XXXX I tried to buy food through an online delivery service app called XXXX. My card was declined, which was concerning since I get paid SSI benefits on the XXXX of each month. I immediately logged into my DirectExpress online account and noticed all of my money was stolen ( unauthorized transactions ). I cancelled my card online and swiftly called DirectExpress to report the unauthorized transactions for a total of {$2300.00}. However, they stated their Fraud Services Department is closed on weekends. 

I spent the following week trying to get in touch with their Fraud Services Department and finally got in contact with them on XX/XX/XXXX. I stated my concerns, opened a fraud investigation, and they said they would mail out a Questionnaire of Fraud ( Form DX-QOF-v.06 ). 

I once again struggled to get in contact with DirectExpress while trying to notify them that I still haven't received the Questionnaire of Fraud. On XX/XX/XXXX I got through to them and they said they would resend the aforementioned form. 

I received the Questionnaire of Fraud approximately one week later and filled it out. I signed it on XX/XX/XXXX and emailed it to their claims department. 

On XX/XX/XXXX I received a letter from DirectExpress ' Fraud Department Services ( dated XX/XX/XXXX -- the day before I even submitted my form ) that stated after a " thorough investigation '' the transactions were not unauthorized. There was nothing thorough about their investigation. Most of the transactions were completed in states I've never stepped a foot in throughout my entire life. Additionally, there's over 3 years of clear spending patterns primarily through food apps, such as XXXX and XXXX. They put in the least amount of effort as possible to assist me during an inflationary period and throughout the holidays. It's disgusting and disheartening.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX 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: Debt collection

I have NO knowledge of the TWO accounts being reported by this COMPANY!! I HAVE NEVER SIGNED A CONTRACT WITH THIS COMPANY. I HAVE NEVER HEARD OF THIS COMPANY!! I AM VERY UPSET THAT THIS COMPANY HAS MY PERSONAL INFORMATION. I AM HIGHLY EMOTIONALLY UPSET THAT THIS COMPANY IS CONTACTING ME!!!! I AM HIGHLY UPSET THIS COMPANY IS REPORTING TWO UNKNOWN ACCOUNTS WITH BALANCES TO MY REPORT THIS IS OUTRAGEOUS!!!
Product: Credit reporting

First Advantage is reporting incorrect data. They provided my would be employer, XXXX medical, with incorrect data that has caused me to receive possible adverse action on my employment application. 

The record is about me, but was later removed from public records ( for example, the case was dismissed after probation, expunged, sealed or made nonpublic or I received a pardon ). 

Letter from XXXX : Date : XX/XX/XXXX, 2017 Dear Associate : The Company intends to take an adverse action on your employment status based on information obtained in whole or in part from a Consumer Report. However, the Company 's intent to do so is only preliminary and no final decision has been made yet. 

Enclosed is a copy of the Consumer Report and a copy of your rights under the Federal Fair Credit Reporting Act and relevant state laws. 

The Company obtained the Consumer Report from First Advantage. First Advantage did not make any decision to take the tentative adverse action and is unable to provide you with specific reasons as to why the Company may choose to take an adverse employment action. You may, upon providing proper identification, request a free copy of the Consumer Report and may dispute with Vendor Name the accuracy or completeness of any information in a Consumer Report. Their contact information is First Advantage XXXX XXXX XXXX. 
XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX We will evaluate the information in your report on an individualized case-by-case basis in accordance with the law. You have seven ( 7 ) calendar days to contact First Advantage at the telephone number shown above to provide evidence of the inaccuracy of the information provided. If you believe that there is information that may help to better evaluate your fitness for this position, please contact us immediately. If we do not hear from you within 7 calendar days, we will make our determination based on the information currently available to us. 

Sincerely, XXXX Representative Enclosures : Background Report Attached below.
Product: Vehicle loan or lease

This is the second recall I had on my truck and I had it less than a month I have spent numerous of hours in the dealer which I had to take off work due to them. It having a loaner vehicle available for me .My family relies on my income the second recall was due to the tailgate opening automatically it almost caused huge accident on the highway and in XXXX incident I had my truck parked and tailgate opened automatically I found that my tools and supplies were stolen from my truck I provided the car maker with all my receipts and form of payment it is not fair that this car maker made faulty vehicle for that reason I had lost a lot of money and XXXX of my clients since the materials were stolen and I couldn't complete the job this has hurt me significantly financially I am trying to recover from this they asked if I filed a insurance claim which they do not know what they are talking about I did not make a police report because once again the vehicle was faulty due to there recall and my truck tailgate opening automatically due to there issue they refuse to acknowledge
Product: Credit reporting or other personal consumer reports

I have requested the immediate removal of fraudulent accounts and inquiries form XXXX, XXXX and Experian. Under setion 605B of the fair credit reporting act, in union with 15 USC 168c-2. Below are the listed fraudulent accounts and inquires. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have asked Macys department store to stop calling me at work on XXXX occasions now and told them I would report them if they called here again. 
The first time was this past Monday, XXXX XXXX and the rep claimed she removed my work phone number from the database. I got another call this morning and told that rep that I will file a complaint if they call here again.
Product: Debt collection

Calling about a debt that i don't owned and is not on my credit. Calling multiple times a week. Asking me for personal information like SS, Address, before that tell me when is calling.
Product: Credit card or prepaid card

My Citibank credit card is being reported inaccurately by the fact that each bureau is reporting different dates for the late payments also account name does not match on each bureau.
Product: Debt collection

I just looked over my credit report and notice an account from you showing. I refuse to pay this debt or any other that you are showing for me. Please don't not contact me any further.
Product: Debt collection

My recent credit report shows several accounts that appear incorrect and unauthorized; please block and remove these fraudulent entries right away.
Product: Money transfer, virtual currency, or money service

Today XX/XX/2019 I was looking to buy XXXX XXXX tickets for their game tomorrow. On XXXX, under a XXXX XXXX XXXX XXXX post someone was selling tickets. I messaged the seller and he told me he had 4 tickets to the game for {$50.00}. I told him to drop the price and we got a deal for {$40.00}. This is the first time I used Pay Pal and he helped me send him the money. 5 minutes later he tells me to send him verification and he told me his computer is updating. I asked him to send me the tickets and he blocked me. To check if he was a scammer I opened a new fake XXXX under a differnt name and I asked him for 7 tickets and he told me he had that amount. He was very aggressive and wanted the money as soon as possible. On my personal XXXX account however, he blocked me and I was not able to send him messages. Off my fake account, I was able to send him messages. I contacted Pay Pal and they told me to file a report here. I tried contacting the receiver of my {$40.00} but he never responded.Attached below are all my documents. The pictures that are taken from the computer are from my actual account. I will also attach my transaction with my Pay Pal. The screenshots are my fake account trying to get in contact with him to prove that he was a scammer. I am really disappointed in the security of Pay Pal. My email for Paypal is XXXX. My phone number associated with this account is XXXX.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXXXXXX XXXX - XXXX XXXX. XXXX XXXXXXXX - XXXX