23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I am thoroughly concerned about the bank hacking my account in XXXX I was recovering from a XXXX I was so stressed that I did travel however the bank statement that I have when I went into the local bank that I felt and I know stole my money I actually attempted deposit Monies into a account which was mine checking it was not put into the savings but it was put into the checking 's account meaning that they did not move the money from one account to the next unbenounced to me when I did call to complain about it the bank manager quit the teller that was working there was no longer working there however I 'm clearly concerned about transaction date dated XXXX XXXX XXXX the amount of {$4600.00} was the depth it {$17.00} the confuse part about this is that some of the dates that 's up top on my transaction history are mixed up to confuse me on reading the dates however this particular date shows a balance of {$460.00} XXXX that 's the same amount that was available before the {$17.00} was taking out however the date XXXX. XXXX the amount that I just quoted of {$4600.00} is still the same amount from the previous balance and it 's not showing of deduction of XXXX. XXXX I also have several different transactions dated XXXX XXXX XXXX and to the right of that the date is dated XXXX XXXX XXXX check card purchase a {$15.00} running balance XXXX dollars in {$XXXX}. The next date is XXXX. XXXX XXXX dollars my account balance at that time was XXXX dollars in XXXX {$1100.00} was tooken from that on XXXX XXXX XXXX I had a balance of {$2100.00} XXXX and {$22.00} was taken from that I also have a transaction from XXXX XXXX XXXX my balance was {$2100.00} {$38.00} was taken from that the next date is it 's a lot going on with this account that I have that was printed out from the bank and give it to me however the dates are so mixed up but when I do my calculations I do n't understand it for instance XXXX XXXX XXXX from XXXX XXXX XXXX debit ATM balance inquiry {$XXXX} XXXX {$100.00} XXXX XXXX XXXX through XXXX XXXX XXXX debit a deduction of {$2.00} and my balance was {$2100.00} after that I have a debit date for XXXX XXXX XXXX XXXX XXXX with the serial number it does n't show where it was located but it just has a serial number XXXX XXXX you see XXXX XXXX the duction {$200.00} balance XXXX and {$6.00} this is very confusing and if the bank does not cooperate I would like to lunch this into another next station and I would n't like to make a dispute
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Debt collection

I went to the XXXX. I had insurance through the military XXXX XXXX The visit was not billed under my insurance it was billed as though I had none. Now its on my credit report. Ive disputed it multiple times and they refuse to drop it or try to work it out.
Product: Debt collection

My information is was used for some sort of pet bill with XXXX XXXX XXXX that resulted in it going to Collections. I spoke with a representative regarding this account after I received a letter in the mail and called and told them I didn't recognize it she told me she would take care of it for me and apologized for the inconvenience it had caused me dealing with the idenity theft. Ive had an issue with false credit cards and inquiries on my credit that I was able to resolve with multiple issues other credit companies in the past, as well as a false XXXX account in my name with the XXXX XXXX XXXX XXXX which I can provide documentation for proving identity theft. I've attached a copy of my police report and a copy of my FTC  idenity theft report and my valid ID and social security card to verify my identity. I would like this resolved as it is a result of identity theft and it is dramatically impacting my credit and affecting my financial health in this pandemic.
Product: Mortgage

Bank of America has charged me for work that was never performed ( see attachments ). The charges were added to my mortgage balance even though no work was performed,
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I provided proper notice and moved out of my apartment at XXXX XXXX at the end of my lease. I cleaned the apartment and took and provided photos of the apartment for my protection. 

The apartment complex ( as many of these management concerns do ) fabricated fees that I owed and sued me for them. The judge dismissed the case " WITHOUT PREJUDICE '' because I provided all of the backup of a proper notice and the pictures of my apartment. 

I disputed this collection with XXXX XXXX XXXX ( which can not be collected by law ) and the bureau left the item on my file. The account number is XXXX and the amount listed is {$1700.00} I have provided a copy of the court decision
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few accounts to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 


-COLLECTION- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$1100.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I purchase a pre-own vehicle and was financed through XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I just received a copy of my credit reports and I have 6 additional hard inquires from : ( 1. XXXX  XXXX. XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX. PNC BANK-XXXX ). On the same date, and I never authorize any of these company to pull my credit.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unrealistic responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite evidence I provided, causing ongoing hard to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's action violates federal law and my rights as a consumer. They are reporting the following accounts on my report ( XXXX XXXX XXXXXX/XX/XXXX-Account #XX/XX/XXXXXXXX, XX/XX/XXXX-Account # XXXX ) (XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX $ XXXX Account # XXXX, XXXX XXXX $ XXXXAccount # XXXX )
Product: Debt collection

I received information form my XXXX XXXX XXXXXX/XX/22 that my checks will be garnish for a debt in the amount of XXXX. I contacted the number provided to me and this debt is from 12 years ago from XXXX XXXX XXXX. I never received any letter advising me to go to court. I provide a police report that identity was stolen. I do not feel I have to pay this debt when XXXX not sure if it what I even got. I have no paper work saying what its for and why. Please assist with this matter. My checks will be garnish for something over 12 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 3 sets of letters to all three credit bureaus. I asked them to remove unverified items on my report, items that were reporting false information and accounts that have been closed for years but still reporting an increase in balance or late payments. XXXX  and XXXX  deleted all those accounts they were not able to verify. Equifax sends their response saying that they verified those accounts. I asked them to show me proof of the verifications but they refuse. They refuse to remove all false items on my credit report which is hurting me. I started sending the letters in XXXX of XXXX, I have sent multiple letters since then and even in XX/XX/XXXX with no results. Equifax is showing {$2700.00} of collections on my report while I have {$0.00} with XXXX  and XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, XXXX and Experian for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/2022, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Product: Credit card

On XX/XX/XXXX purchased face cream and soap at a retail XXXX XXXX XXXX XXXX XXXX store for {$430.00}. On XX/XX/XXXX I returned the products via XXXX XXXX in XXXX ID. I had contacted XXXX to dispute charges on XX/XX/XXXX and notified XXXX XXXX via email I was returning the unopened products. At the time of purchase there were no signs posted in the store anywhere that they did not accept returns. This violates Nevada retail law which states that a business must post their return policies and accept returns in the original condition/packaging.On XX/XX/XXXX I received a letter dated XX/XX/XXXX that XXXX denied my dispute and charged my US Bank XXXX XXXX. 
I called US Bank and explained I had been charged for products that I received but sent back unopened/original condition. The advice the agent gave me was to contact merchant and/or legal advice. The reasoning behind this decision was customers are required to provide all personal information and acknowledge all terms and conditions of the transaction This information was not posted in and around the store. I am a victim of a scam and elder abuse two times over. How is a XXXX XXXX XXXX suppose to know store policies if they are not properly posted?
Product: Credit reporting or other personal consumer reports

XXXX  XXXX is reporting ino accurate info. someone stole my identify and opened a fraudulent accounts.
Product: Bank account or service

Santander Bank did not credit my checking account the {$150.00} bonus, and is unwilling to tell me the timeframe it will take them to credit the funds to my account. This is a direct violation of the account agreement that was set up when I created the account with the {$150.00} promotion code. I fulfilled the full terms of the offer by making a Direct Deposit of {$500.00} into the account and keeping it in good order for 90 days. I am deeply troubled that Santander 's customer service was unwilling to give me a specific date that the bonus would be credited, and that I now have to present this to them via the CFPB. This should n't have to happen.
Product: Money transfer, virtual currency, or money service

Received a funds transfer that was later denied and overdraft of account without my knowledge Fraud activity was reported
Product: Debt collection

I have sent a letter reaching out to Phoenix Financial Services, LLC about account number on my credit report account number :XXXX asking them to please send me proof of the debt they are asking me to pay.I have asked for validation and proof of original contract that is certified by a notary that it is the original contract with my signature on it .this company did not have my consent to furnish my information to the credit bureau. they did not send me any validation of the debt and I gave them more than 30 days and they have not replayed to me. I have proof of the letter I sent to them asking to please validate the information and also to get the original copy of contract with my signature on it like the law says they have to do. I have also ask them to delete and remove all information that they furnish to all credit bureaus but they didnt and they continued to by updating to the credit bureau under the remarks section that they meet the FCRA. also I have never made a contract with this company and they are claiming that I owe them something. I have not entered into any buiness agreement with them. and just to be clear I did not authorization them to furnish any of my information to anyone. I have also sent them the law that states that they need my authrazation to furnish my information. I have attached the letter I sent to them certified and returned signature. they have also failed to send me validation and its past 30 days.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint under the Family Educational Rights and Privacy Act ( FERPA ) regarding the unauthorized access to my personally identifiable information by XXXX XXXX and his employees through the Department of Education 's databases. 

On or around XX/XX/year>, I became aware that individuals associated with XXXX XXXX, who are neither school officials nor authorized representatives, accessed databases that include my personal education records without my knowledge or consent. I am aware that usage of database is monitored, recorded and/or subject to audit. I did not provide any authorization for such access, and I believe this constitutes a violation of my FERPA rights. The Family Educational Rights and Privacy Act, FERPA, protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

respectfully request that your office investigate this matter and take appropriate action to ensure my personal Information remains protected. Please provide me with any relevant findings, corrective actions, and steps I can take to prevent further unauthorized access to my records.

The Family Educational Rights and Privacy Act, FERPA, protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.
Product: Credit reporting or other personal consumer reports

I am disputing the reporting of this account on my credit report because it contains inaccurate information. Specifically, the balance and charge-off details are incorrect. This account was resolved, and I have documentation to support this resolution. I request that you investigate this error thoroughly and remove the inaccurate information. Please inform me of the steps being taken to address this dispute and ensure the accuracy of my credit history.
Product: Debt collection

FIRSTPOINT COLL RESO # XXXX DID NOT RESPOND TO MY VALIDATION OF DEBT SO THEREFORE NEED TO CEASE AND DESIST ALL COLLECTION PRACTICES ACCORDING TO THE FDCPA.
Product: Debt collection

This company accessed my credit profile on XXXX without my consent on XXXX.They also placed a 7 year old fraudulent debt on my credit report and put a date of XX/XX/XXXX for collection and account opening, which is illegal. This debt was done fraudulently and was removed 7 years and the service has been DEPLORABLE. I had filed a police report, XXXX complaint and FTC complaint and report as well during that time and again recently. This company has over 300 complaints about various unethical business practices which are not limited to reporting old information on the XXXX site itself.They have been no help in getting this matter resolved and it is absurd for be to jump through hoops to get this removed off my credit report. It was placed using a collection company with the account # XXXX. They have never contacted me sent ANY LETTERS nor anything else since XXXX! I'm certain whatever address they do have is wrong since this was done fraudulently in the first place ( They accessed personal information WITHOUT MY CONSENT XX/XX/XXXX VIA CREDIT REPORT ). I called yesterday ( XXXX XXXX ) and was placed on hold a total of 6 times, sent to the voicemail of someone named XXXX twice and met with rudeness from several agents.If this is NOT REMOVED AS REQUIRED BY LAW, I will indeed pursue legal action IMMEDIATELY.
Product: Debt collection

I receive two letters from Tate & Kirlin Associates , Inc., XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX, dated XX/XX/2021, saying : " This account has been listed with our office for collection. This communication is from a debt collector and is an attempt to collect a debt. Any Information obtained will be used for that purpose. 
Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request of this office in writing within 30 days after receiving this notice this office will provide you with the name and address of the original creditor.if different from the current creditor. '' Included were reference numbers # XXXX and # XXXX On XXXX I called Tate & Kirlin Associates , Inc. at XXXX and asked who these creditors were. They said XXXX and XXXX XXXX. I told them I had never heard of them. They said that the creditors had my email and my credit card #. I told them the email address was correct. but that I did not have that credit card for a couple of years. They said they would contact the creditors and let them know that I did not have that card. 
Then I said I though this was a fraud-scam and asked who I should report it to? They said not to worry and that they would take care of it and hung up.
Product: Vehicle loan or lease

Ford Motor Company has discriminatory pricing. Rebates for my zip code are {$2000.00} less than rebates in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted documents that includes a copy of my U.S, identification, social security card as well as a copy of my FTC report. along, with a letter informing Transunion that I am a victim of identity theft. They have failed to acknowledge my mail. All mail was submitted by United States postal services. I have sent data in twice and have tracking confirmation that all mail was received. Each time XXXX contact Transunion, they state they have not received any documents. Today, I spoke with ( XXXX XXXX at XXXX XXXX at XXXX. In which, this agent has also stated documents has not been received. I have attached tracking confirmation.
Product: Debt collection

RE : W EINBERG MEDIATION GROUP LLC.   Today, Tuesday,  XXXX   XXXX ,  2017 , robocalls about my financial business went out to people loosely associated with me, but who know nothing about my finances. For example, several relatives and a friend of a friend received a collection call from this organization about me. When I called them and asked them to remove all numbers except mine from their account, they refused and claimed I had a credit card I owed money on. I do not recognize the bank named on this debt, and there has been suspicious information on my credit report in the past, so I am investigating. I will pay the debt if it is valid, but in the meantime this organization has done damage to my reputation, privacy, and dignity and deserves censure for their aggressive tactics.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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.