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

So in XXXX, two fraud loan accounts we're opened under my name. I was unaware of this until I saw my credit report because I am soon getting a mortgage in my name. They are under the company names Klarna. I have spoken to Klarna and they have tried to get the accounts opened but they can not as someone has just used my name and they have declared it as fraud. I honestly need your help please Klarna are not taking the matter seriously and I need to have the fraud removed from my credit report as soon as. The action I took as soon as I found at was call the bank who suggested because its fraud speak to Klarna and they will sort it which I have and I have also reported to the crime and fraud team but nothing is being done to resolve the matter. So please if you could help.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible.

The items in dispute are as follows : IDTheftReportXXXX ITEMS IN DISPUTE : Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Employers : XXXX XXXX Collection/Charge Off : XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1700.00} XXXX XXXX XXXX A XXXX XX/XX/XXXX {$390.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3700.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$390.00} XXXX XXXX {$1700.00} XXXX XXXX {$21000.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$1300.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1700.00} - XXXX  Credit Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiriy on my credit reports per XXXX, XXXX and XXXX. 
On XX/XX/2020, BK OF AMER add a hard inquiriy on my credit report per XXXX.
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$400.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$400.00} ;
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and I noticed that there are unauthorized fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. I have provided a copy of a FTC REPORT, California state drivers license, and a copy of social security card. Please use the laws and codes that all credit reporting agencies are bound to follow by law as listed and explained below. I dont take my rights being violated lightly but a serious matter. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX TRANSUNION and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Transunion ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 15 USC 1681i ( 5 ) ( B ) ( ii ) ( ili )
Product: Credit reporting or other personal consumer reports

Experian Reporting this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 o 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Accounts XXXX XXXX XXXX - # XXXX Has several late payments. It as well should not have any late payments attached to a charge off account because charge accounts are late default. 


XXXX This is a charge account that should not have late payments attached to it because charge counts are late by default .please remove XXXX XXXX This is a charge account that should not have late payments attached to it because charge counts are late by default .please remove XXXX XXXX XXXX- Please update the late payments to pays as agreed Please send verification when these accounts have been updated
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I received a copy of my consumer report and noticed some accounts that do not belong to me. I have never entered into a consumer credit contract with any of these companies listed. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request evidence from these companies and they have failed to provide proof that I consented to anything. I want a full reinvestigation into these fraudulent accounts. 15 USC 1692G states that all debt collectors provide sufficient evidence to support they claim. I know I never signed anything with these companies so these accounts shall all be removed.
Product: Credit card or prepaid card

XX/XX/XXXX, XXXX reported card as lost, paid off balance, then locked the account. card was lost, but account had XXXX balance, no fraud to report. 

Lock  feature stated all future transactions would be declined. This is exactly what I wanted. new card arrived in the mail, I never opened the envelope, never unlocked the account. Account stated " locked since XX/XX/XXXX ''. 

On XX/XX/2020, a XXXX charge occured. I had not opened the envelope to even see my card, and the account still stated LOCKED. Called in a fraud notice, frustrated and confused how the account was " locked '', still stated it was " locked '', and yet a transaction had gone through. Customer service suggested that possibly someone had stolen my login credentials, logged in, unlocked the account, used my credit card ( which was still in a sealed envelope on my desk ), made the transaction, then logged back in, and re-locked the account. I asked how the transaction happened on XX/XX/XXXX while my account still stated " locked since XX/XX/XXXX '', and a supervisor told me that " sometimes the lock doesnt do anything. '' this is recorded on my call on or around XX/XX/XXXX, I don't have the exact date. 

I was told the account was closed for fraud, and a new account number was issued, and a new card would be sent out. Frustratingly, this " unlocked '' the account. I logged in, locked it again, and the new card arrived in the mail. I did not open the envelope again. I made sure the account was at XXXX balance. again, new account, new card, locked account, sealed envelope. 

XX/XX/2020, ANOTHER charge occured from " etsy '' for {$1.00}. I have not opened the sealed envelope to access my card number, and the account is still " locked. '' I apparently have no control over my own account, and routinely, it is somehow being given across the internet. If I don't log in regularly and report routine fraud, I would go into late payment, as I have not made any purchases since XXXX. 

Chase is not doing anything to prevent this, and will not answer how my account is being leaked with routine efforts to prevent this on my end.
Product: Debt collection

I have received zero notice to collect the debt. NONE. I am homeless and have XXXX children. I have XXXX and XXXX  conditions which have kept me from attaining steady employment since graduation. 
I live in transitional housing and receive welfare. Why would you take a refund from my children??? 
Nothing but a bunch of monsters. I don't live in North Carolina anymore. My family that forced me to get these refunds took them I have XXXX from this abuse. I have no money in my pocket and we needed that money to eat. 
I would have gladly set up payments if I had been given some form of notice. 
I need my refund ( S ) back If they were in contact with me and not my abusers we would have no issues.
Product: Money transfer, virtual currency, or money service

I attempted to purchase sporting event tickets online through my financial institutions ( XXXX  ) Zelle link however after I sent the money the person never sent the tickets. I contacted my financial institution and Zelle within an hour of the transfer to cancel the transaction however they said that there was nothing that they can do other than open an investigation and the chances of recovering my funds were extremely slim. I believe that since I contacted them within an hour of the transaction they should have been able to do a chargeback however they claim that was not possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken repeatedly on numerous occasions with various representatives of TRANSUNION regarding old, outdated or unauthorized inquiries into my file with them and they have failed to delete them as requested. Specifically, XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, DEPARTMENT OF EDUCATION on XX/XX/XXXX and XXXXXXXX XXXX on XX/XX/XXXX each made inquires which I wish deleted ASAP.
Product: Money transfer, virtual currency, or money service

It all started in XXXX, when he received an email from the IRS. asking me for tax documents. So, on Friday, XX/XX/XXXX, I called the XXXX team to recover my Email Account and phone number because they had been hacked. Then this person called XXXX XXXX from XXXX told me that my computer and phone had been hacked. He also told me that he had to check my bank accounts and asked me which bank I had? Then he linked me to a PNC Bank agent to help me with that case. His name is XXXX XXXX. He told me that he worked in the tower at PNC XXXX XXXX XXXX XXXX XXXX, PA XXXX he already had full access to my bank account. And he said that there was a transfer of XXXX USD to XXXX that had already purchased XXXX XXXXXXXX. Then he told me that to cancel that transaction I had to make another transaction of that same quantity so that there were XXXX and to be able to have the fake one. And then I put my money in a high security account that same day, Friday, I withdrew XXXX XXXX USD from my debit account, I went to the local bank to withdraw the money and deposit it in a XXXX machine, and then all that money would return to my secure account. After he took out all that money, on Monday weekend, which was Saturday and Sunday, he did nothing, he started asking me to buy gift cards at XXXX XXXX and XXXX and cards for the amount of XXXX USD and XXXX  USD. In the end I got tired Oh because I saw something strange in everything that was happening and I went to my local bank and told them about this person and they told me that they didn't do that and that I had been scammed.
Product: Checking or savings account

In XX/XX/scrub> 2017 i received several overdraft fees regarding funds unavailable but was charged an overdraft fee because bank allowed charges to go through i also had several disputes for fraud bank did not handle charges appropriately and caused account to get closed due to fraudegelent activity documents were provided and account was still closed my new number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX my credit report now reflects 30-60 past due when in fact was never late.. on my credit dated XX/XX/XXXX none of these payments were showing late in fact they werent late. I have disputed the inaccuracies with all three bureaus as well as spoken with XXXX XXXX XXXX about this inaccurate information. They all have failed to validate the accuracy of the info and complete a thorough investigation within 45 days. They have also reported that my account open with the company on XX/XX/XXXX which is not accurate to the signed contract between myself and XXXX XXXX XXXX. Because of the false reporting and poor maintenance of my credit file I lost out on finance options and needed loans. Attached is a screenshot of my account reporting from the bureaus
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX... Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX... Balance : {$960.00} ; XXXX XXXX XXXX XXXX XXXX. ... Balance : {$3200.00} ; XXXX XXXX XXXX XXXX .... Balance : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report DEPTOFEDXXXX   XXXX {$4300.00} DEPTOFEDXXXX   XXXX {$3500.00} DEPTOFEDXXXX   XXXX {$12000.00} XXXX XXXX {$1300.00} XXXX XXXX {$850.00} DEPTEDXXXX XXXX {$4300.00}
Product: Student loan

I received a call from United Student Assistance Center. XXXX was the representative and already knew my name and I meant to reach out to see how to qualify for a loan forgiveness program. I went through the process and he proceeded to ask for money after already telling me I qualified for a {$0.00} 240 month payment forgiveness program after making 3 payments of $ XXXX.He strategically used the fact that my debt was {$51000.00} and {$600.00} is nothing compared to that. It made somewhat sense at that time assuming the funds would go toward payments. I managed to give him my card number which I can deactivate at any time I don't even use that account much at all so I wasn't worried about it I start my part time job next week so I used that information I had him push the payment back 3 weeks enough time to investigate and see how legit this was despite him making it seem ok on the phone. After researching a bit I saw they were a real company but they aren't exactly squeaky clean business wise. I have been looking to options directly with the H.E.L.P. team and I plan to pay off these loans by 2025. I do not like scammers I was really trying to explain I was behind on bills and need until XXXX then he said I can reschedule the payment with no issues then after the contract was done he told me about the {$10.00} reschedule fee. He tries to guarantee it wasn't a scam but judging from the research I've done it definitely is.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX  - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( US DEPT OF EDUCATION XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( US DEPT OF EDUCATION XXXX ) the financial institution and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX ( US DEPT OF EDUCATION XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( US DEPT OF EDUCATION XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports.XXXX gave me two letters of release stating the debt  wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX 


My correct address is XXXX XXXX XXXX XXXX CA XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE FRAUDULENT ACCOUNTS ARE LISTED ON MY CONSUMER REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.