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

It is of utmost importance that prompt measures be taken to prevent the usage of fraudulent accounts that have been bought to light as a direct consequence of the XXXX data breech/identity theft. In light of ongoing investigation by the federal trade commission it is incumbent upon us to comply with regulations laid down in the fair credit reporting act section 605B, which mandates the blocking of such information until the investigation is concluded. As such, it is imperative, that we take Swift and decisive action to protect our customers and uphold our commitment to compliance and security. Continue unauthorized account. XXXX XXXX XXXX- XXXX Continued unauthorized inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

TD bank setup an estate account for my deceased aunt. Im the executor and am trying to use the funds to pay the bills until everything is settled. They opened the account, issued checks but have not moved any of the funds into said account. Whats the point of it if its a worthless account?
Product: Credit reporting 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. 


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 has violated my rights. Or list of inquiries 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.
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information was exposed on a national data breach ; after reviewing my credit report I notice some accounts that I'm not familiar with I have asked the XXXX for validation of debt, However the information has not been provided, due to my information being exposed I have submitted an XXXX complaint reporting the information I'm not familiar with. 

Please find the attached copy of my XXXX complaint report, A copy of the XXXX Data Breach Report, showing my information being exposed in a national data breach and validation debt letter.
Product: Debt collection

XXXX XXXX XXXX XXXX at the fact that there is inaccurate information on my credit report, and the creditor failed to submit sufficient proof to validate the inaccurate account. This is my third letter to your company. I know the FCBA allows me to dispute directly with the creditor after disputing with you. You told me that you verified the account with the creditor but they could not provide me with sufficient proof to back up their reporting. How can you verify if the creditor could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted. 

Please delete these accounts from my credit reports since your company did not properly verify the information and the creditor could not provide sufficient proof to prove their reporting. 
XXXX XXXX XXXX PORTFOLIO RECOVERY A
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a XXXX XXXX  with a balance of {$860.00} was reported on my credit report. The current status is Account Charged Off.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my EXPERIAN, XXXX XXXX, and XXXX XXXX report and see there are unauthorized inquiries and accounts reporting that I did not initiate nor did I benefit from any of them. The accounts listed on XXXX XXXX are fraudulent reporting from creditors XXXX  account # XXXX, XXXX XXXX  XXXX account # XXXX, XXXX  account # XXXX and XXXX XXXX XXXX account # XXXX. Also on XXXX XXXX is an unauthorized hard inquiry from XXXX XXXX XXXX date XX/XX/year>. 

The fraudulent accounts listed on XXXX are XXXXXXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX  XXXX account # XXXX, XXXX  account # XXXX and XXXX XXXX XXXX account # XXXX. Also on XXXX is unauthorized hard inquiries from XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXX The fraudulent accounts listed on EXPERIAN are XXXXXXXX XXXX XXXX  account # XXXX, XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXX  account # XXXX and XXXX XXXX XXXX account # XXXX.
Product: Debt collection

I have a medical dept on my credit report that wasnt mine and have tried several different credit services like XXXX  and XXXX  to get it removed and i have had no luck at all and its the only negative item on my vredit report and its from 2016 and they still wont agree to llet it go its only {$700.00} but its not mine so im not going to pay it.
Product: Credit card

XXXX credit card was opened in my name, without my consent or knowledge. I never made any transactions with this card nor owe them any money.
Product: Debt collection

Please see attachments. XXXX XXXX is violating my privacy and consumer rights, the FDCPA and FCRA. XXXX XXXX is using fraudulent and abusive practices to collect on a debt they do not own nor do I. XXXX XXXX is trafficking my nonpublic personal information unlawfully and using such illegal acts to coerce a payment that i do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

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

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Upon review of my credit report I discovered inquiries that were not authorized or initiated by me. The inquiry that is fraudulent is : Citizens Bank on XX/XX/2021.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have written 3 letters and received 3 responses from Equifax ( see attached letters from Equifax dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to request that Equifax remove the XXXX hard inquiry on XX/XX/XXXX which needs to be removed due to identity theft and the inquiry is still on my credit report to this day ( please see attached copy of the inquiries from my credit report directly from equifax.com dated XX/XX/XXXX ). I followed all proper steps for inquiry removal including filing an ftc report with the inquiry in question. Equifax received the letters and agreed the inquiry should be removed and responded as such. I have also called multiple times and each time the representative validated that yes it should be removed and insisted that a note to backoffice / fraud department was placed to have this removed but still this particular inquiry appears on my credit report. If you look closely at each of the 3 Equifax letters you will see that Equifax actually does agree that the inquiry should be removed ( see highlighted section on page 3 of each letter ). Each letter states that the inquiry has been removed. However, as you can see from my credit report on XX/XX/XXXX the inquiry still remains after multiple attempts. The interesting thing to note is that Equifax deleted all of the other inquiries that were requested, just not this XXXX inquiry for some reason. I don't think this is a case of Equifax refusing to comply. I believe they fully agree the inquiry needs to be removed. This seems to be some kind of system issue with XXXX because it appears that the Equifax representatives who processed each letter believed they in fact were deleting the inquiry but for some reason the system did not actually delete it. Equifax needs to fix whatever system issue exists preventing this XXXX inquiry from being deleted. In addition, I noticed that an additional XXXX inquiry has appeared dated XX/XX/XXXX that was not me and needs to be removed. I would also like this removed at the same time.
Product: Credit card or prepaid card

On the morning of XX/XX/2019 I was at an XXXX egg  hunt and had placed my Discover Card in my pocket in case we decided to take the family out to breakfast. Sometime that morning I lost or had my card stolen but I didn't realize it was going until sometime later when I did contact Discover Card and report the card missing. A dispute was filed on XX/XX/2019 with the company for the charges totaling {$1500.00}. A few days later my account was given a provisional credit for the full amount plus interest. On XX/XX/2019 I received a letter advising my credit limit on my Discover Card was being decreased from {$6000.00} to {$4600.00} then three days later on XX/XX/XXXX a letter was sent from Discover Card advising the investigation was complete and they found no fraud had occurred on my account and I was responsible for the full amount plus interest. When the amount was applied back onto my Discover Card it put my balance around {$1500.00} over my credit limit which drastically increased my minimum payment due every month plus when the severe over limit balance was posted to the credit bureaus it caused my credit scores to drop over XXXX points and i was then unable to refinance my house and complete home improvements and repairs due to my credit being destroyed after my credit limit decreased and the fraudulent charges where placed back onto my account. I contacted Discover Card and spoke with the investigations department and was told my fraud claim was denied because the card had been used in businesses and restaurants where I had previously used the card in the past and the card was never used again after I reported it lost or stolen. I advised Discover that I live in a very small town so obviously the card would be used at the same businesses. when reviewing the fraudulent charges the card was never used out of my town of residence. After speaking with Discover Card several times I hired an attorney to contact Discover Financial Services. Several letters were sent to the company without ever receiving any response from Discover Financial Servies by mail and no attempt to contact myself or my attorney XXXX XXXX was ever made by via telephone either by Discover. This fraudulent activity that was placed back onto my account has caused a lot of problems including increased payment amounts and more importantly Discover Card purposely destroying my credit rating causing increased hardship.
Product: Credit reporting or other personal consumer reports

I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud. Remove the following inquiries from my credit report.
Product: Credit card

I opened a credit card with Sears to try to improve my credit score. XXXX of the only hits to my credit score is that I have very few accounts, and I had a good opportunity and thought Sears was a reputable enough company. I purchased a bed and a few accessories as I 'd just moved to XXXX and that 's the point at which I was asked to open the account. The address I gave them was my new XXXX address, but when verifying my driver 's license they claim to have put the old XXXX address from my license into their system, so the credit card never arrived. 

I got a text message from Sears saying that I had a late payment. So I called them and told them I never received a card, and I need a card number in order to pay the balance. They allowed me to give them bank account information over the phone to cover the balance and they removed the late fees that had been applied. 

Because it had no balance and because I did n't have the card to physically use, I did n't think much of it, but I still never received the credit card and to this day never have. But after my car was broken into and documents that could be used to steal my identity were taken from it I was advised to monitor my credit score closely for accounts attempted to be opened under my name and information. It was at this time I noticed I had grossly overdue payments on the Sears card. 

I called Sears to find out how I could have missing payments with a balance of XXXX and was informed that when I gave them my information and said I wanted the whole balance paid that a small dollar amount, I believe between XXXX and XXXX XXXX dollars, was left on the account. I never said a number, only that I wanted the whole balance paid, so there is no reason they should have left any balance on there. 

The payments were very long overdue, and I was never contacted about any of it at any time, but my credit score has been damaged severely by this. Prior to this incident my payment history and timeliness was perfect, and I would have no reason to leave such a small balance and let it go unpaid for so long. I 've been advised to pursue a resolution and a repair to my credit score through the Consumer Protection Bureau first, and if that does n't fix the problem I understand that there are further legal options. I will also never do business with Sears again if this is not corrected. 

I do not have any documentation other than what 's on my credit report because Sears never sent me anything at all, but I 'm told that they are legally required to keep the documents that will prove what I 'm saying. The representative I talked to on the phone apologized and let me close my account but said nothing else could be done. Legal action has not been filed at this time, but will be if the issue is not resolved and my credit is n't restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these items off my report I have disputed these items a couple of times it has been on my credit quite a while please look into this matter it has not been verifying
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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: Mortgage

flagstar bank texas, ive never missed or been late i which for you to pull my records of bank account and see for your self, this bank rouned my credit before they started doing this issues to me and only reason know this is on 2x time they double billed me i went to my bank to refinance and they told me my new credit and who did it to me, they double charge me and keep back payment to make out to be late till next mounth that i send in and then they'll cash in 2 payments ( this is their resent thing they started doing ) sometimes ill get a bill for less than {$50.00} then after sending my normal payment in will go back to their over billing deal, they got my credit bad enough now the my truck payment thinks they should be paid on XXXX of month and start harssing me much sooner, i still have several bills they sent me
Product: Credit card or prepaid card

Today XX/XX/XXXX I was reviewing my Amazon card transactions and noticed that every month I have been charged seemingly random amounts for " card security. '' I called and the customer service rep said it was an insurance program. I NEVER agreed to or signed up for this. She agreed to refund the last three charges, but I am concerned that there are more charges that I can not see as my transaction history available on their portal does not go past XX/XX/XXXX. The charges are as follows : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14.00} XX/XX/XXXX is as far as the website provides for transaction history.
Product: Mortgage

I have been receiving calls from Ocwen Loan Servicing since XX/XX/XXXX. Every time I pick of the phone and answer. The call is disconnected. On XX/XX/XXXX I received a call from Ocwen Loan Servicing Agent Id # XXXX who advised me before listening or answering my questions stated, " That this is an attempt to collect, any information obtain would be used for that purpose. '' I immediately advised the agent that Ocwen had called me no less than 5 times in the past 10 days and that was harassment. The Agent respond and stated, " According to state law we can call and collect like this according to state law, and that it was also in my contract that was signed with Ocwen. '' I immediately requested a copy of the contract with my signature that allows them to do this and I also requested them to verbally provide me the state law that allows them to do this. The agent immediately placed me on hold for about 5 minutes and came back and stated that they were mistaken according to the FDCPA they were allowed to call like this. I immediately pressed the representative once again and asked what state law or statute allowed for him to contact me and harass me they way that I was being harassed? The representative was not able to give me a definitive answer. I advised the representative that I would be filing a complaint and that I would like a copy of the contract with my signature that states that they can contact me the way that had been contact me. At that point I terminated the call. I pay Ocwen every month and my mortgage is always paid by the last day of the month. I pay the late fee without complaining. There is no reason for this organization that already charges me {$15.00} in late fees and {$12.00} to pay to call me every other day harassing me about a bill that initially when the calls started I was n't even 2 days late. As a consumer this is unfair that I have to deal with these individuals who can barely speak English and then why I push them to provide me information they are unsuccessful. This is not fair nor right and something needs to be done. This organization is using words such as State Law to attempt to threaten consumers, because I am an individual who will challenge anyone whom I think is lying or is speaking in half truths. If average individual who may not like confrontation this organization could potentially being doing some shady things.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here I will list all the companies that the performed inquiries not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Date To whom it may concern, On day XX/XX/XXXX, I looked at my report. I sent a letter to Transunion on day XXXX XXXX asking them to reinvestigate these accounts : XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX, and XXXXXXXX XXXX XXXXXXXX And here is my tracking number : XXXX On day XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer, and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Transunion really did not reinvestigation they lied on an offical document saying they did something they did not do and i have evidence to prove my case.