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

Hello, My name is XXXX XXXX XXXX. I noticed Wednesday, XX/XX/2022 these accounts that I have listed have been opened using my personal information. I am requesting the following accounts be removed from my credit report. I am a victim of identity theft. I did not make any of these charges. The last few years Ive had to jump around a lot from place to place because I was not in the best space mentally and that led to me becoming unstable in other areas of my life. See, I lost my girlfriend a few years ago and she was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I stayed place to place where ever I could and my personal information was stolen in the mist of it all. Please delete these items as soon as possible. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I have contacted the company about this and they have done nothing to help me! in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XXXX XXXX please validate that this debt belongs to me and please show me the original contract.

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
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. 

Account Name : XXXX XXXX Account Number : 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
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 XXXX XXXX XXXX. 

Account name : # XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX. XXXX Section XXXX A, states I have the right to privacy. 

XXXX XXXX. XXXX Section XXXX A section XXXX, states a consumer reporting agency can not furnish an account without my writtenfurnish an account without my written instructions. 

XXXX XXXX. XXXX. ( a ) ( XXXX ) 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 and crimes which antedates the report by XXXX  years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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, credit repair services, or other personal consumer reports

I Have no knowledge of this account, XXXX XXXX XXXX ACCOUNT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation!

According to 15 US Code 681s-2, 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, credit repair services, or other personal consumer reports

To Whom it May Concern :  XXXX   XXXX .  XXXX   XXXX   XXXX , TX  XXXX    XXXX     XXXX   XXXX   XXXX    XXXX , GA  XXXX  TransUnion,  XXXX    XXXX   XXXX   XXXX   XXXX   PA  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.      XXXX   XXXX   XXXX   XXXX ,  XXXX .    XX/XX/XXXX   XX/XX/XXXX  Telephone Companies   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX  All Banks   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX  Telephone Companies   XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX    General Clothing Stores     XXXX   XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX  TBA Stores  , Tire Dealers    XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX   Miscellaneous Reptg.  Agencies   XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX   National Credit Card Cos.     XXXX   XX/XX/XXXX   XX/XX/XXXX   Miscellaneous Reptg.  Agencies   XXXX   XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX  Miscellaneous Reptg. Agencies   XXXX   XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX  Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX ,  XXXX  Soc sec #  XXXX  DOB  XX/XX/XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX , FL  XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2022 There were 3 attempts on my checking/savings account to fraudulantly withdraw money from my accounts via wire transfer. I contacted ALLY.com XXXX attempting to resolve the problem. XX/XX/2022 ALLY locked down my account preventing me from accessing my money. I have made over a dozen calls to ALLY and to their Loss Prevention or so called Fraud Department ( XXXX ) XXXX. I have been told an investigation will call me & they have not. I attempted to contact them via their XXXX account and XXXX account and was texted someone would call me. I want my money back XXXX XXXX it.
Product: Debt collection

The CBE Group , Inc has sent several attempts to collect a debt and has violated my rights as a consumer under The Fair Debt Collections Practices Act. Letters dated XX/XX/XXXX and XX/XX/XXXX. Violations include 15USC 1692b ( 5 ) Acquisition of Location Information, 15 USC 1692d ( 2 ) Harassment and Abuse, 15 USC 1692f ( 1 ) Unfair Practices, 15 USC 1692g Validation of debts ( 1 ), ( 2 ), ( 3 ), ( 4 ), ( 5 ). This debt collector has used false, misleading and deceptive practices.
Product: Checking or savings account

Pending transaction on XX/XX/19 that hasn't even cleared yet caused two overdraft charges in the amount of {$72.00}. The charge is still pending but two overdraft charges POSTED before that charge. I have a pending deposit today that would cover that pending charge but they have gone ahead and charged me {$72.00} to ensure they get their money. It is not right. They are taking advantage of people who are already struggling. I attempted to resolve with XXXX but she told me that's just the way they post things and I could close my account if I had a problem with it.
Product: Credit reporting

I submitted a dispute with all three credit bureaus ( XXXX/Experian/XXXX ) informing all parties such as the Credit Bureaus and the creditor that these accounts does not belong to me due to been a victim of identify theft during XXXX data benches. After notifying the credit bureau via online disputes/phone calls/letter notification I continuously receive notification stating " verify ''. I requested supporting documents from both parties requesting signature, contract, state license information and etc. Under the Fair Reporting Act I understand my rights as a consumer and verify the matching of my name and social does not coincide with verification. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate with accurate documentation be provided. I have submitted a claim with Federal Trade Commission regards to this issue. It is my right If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1666b A creditor may not treat a payment on an account under and open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this titled is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's account discrepancies on my credit file, the account XXXX XXXX shows late payments from, XXXX, XXXX, XXXX, XX/XX/XXXX, and XXXX, XXXX, XXXX, XX/XX/XXXX, all late payments inwhich I never been late, I'm demanding that these discrepancies be fixed within your system, or please provide me actual physical documentation otherwise, and electronic Verification can not be accepted.
Product: Debt collection

I have contacted account resolution services a couple of times in the last month and on XX/XX/2022 to have my debt verified. I have also sent out a debt validation letter on XXXXEach time I have contacted I'm presented with a service for a fee to dispute the debt which is not what I am asking for. I've been trying to have the debt information verified once it is a valid debt I wanted to proceed with making a payment for deletion. I have not been successful upon doing so. I just want to move forward.
Product: Debt collection

first credit service contacted me in XX/XX/2018, i told them to stop calling me, i was disputing the debt. Now they call at least 7 times a day, from all different numbers. on XXXX-XXXX-18 i asked them, again, to stop calling me. The calls have only increased in number since them. They call from XXXX until XXXX, all day long.
Product: Credit card

I have had this credit card opened since 2021- Apple Card from Goldman Sachs

Bank since 2021, and it has been one of my favorites due to its convenience and benefits. However, I recently encountered an issue where my account was unexpectedly locked and placed under review. Upon contacting customer support, the representative was unable to provide specific reasons for the lock. I was advised to wait 5-7 days for the review team to contact me with more information. This morning, I received an email notifying me that my Apple Card has been closed. The email mentioned that the closure was due to a failure to comply with the terms of the customer agreement. This is incredibly frustrating, as I have consistently paid my full balance every month and have not violated the agreement. I'm quite concerned about the recent closure of my account and would appreciate assistance in resolving this situation. It's distressing that my account was closed without a clear explanation. I currently have a
n XXXX and XXXX XXXX financed through this account with a 0 % interest installment plan. Your help in addressing this issue would be amazing. This is beyond frustrating and upsetting as I feel as if Im not a value to them. How can they close my account with this reasoning thats not valid, but they cant provide more information? Its just unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I turned to Equifax for help and clarification. I was subjected to rudeness and the supervisor abruptly ended the call with me ( permanently putting me on hold ). I applied for a pre approval on a mortgage through XXXX XXXX XXXX. I was told by XXXX XXXX  XXXX on XX/XX/XXXX that based on their report I had collections from the Department of Ed. This is incorrect. I have a letter from the Department of Education from XX/XX/XXXX stating otherwise. I called Equifax on XX/XX/XXXX. I was told they saw it on my report and I had to dispute it. I called the Department of ED on XX/XX/XXXX, they said this is incorrect and my account should not be listed in collections. I then sign into the Equifax website, the website said I had no accounts in collections. I then called Equifax 3 times of XX/XX/XXXX. I was told different things based on the agent. The third time I called, the agent asked me to email my social security card, drivers license, and a selfie. I told him I do not feel comfortable with that and asked to speak to his supervisor. I explained everything to the supervisor, he was extremely rude and said he would not help me. I would have to mail my social security card and drivers license. I expressed my concern and frustration. I sent them something a year ago in the mail and they dont have record of it. Why would I send information as personal to them again? He then hung up and ended that call. I filed a dispute online, even though it says I dont have the account in collections. I am sickened and frustrated. The mortgage company pulled 3 different credit reports, Equifax was the only one with the collection listed.
Product: Credit reporting or other personal consumer reports

I was not late in XX/XX/year> on the above account. The creditor mistakenly charged me a fee, did not tell me about the fee and then reported me as late for not paying the fee within 30 days of assessing the fee. I spoke with the creditor about the fee, and they agree there is nothing justifying the assessment of the fee. The creditor instructed me to dispute the fee with the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

They report on my credit and Im not authorized that
Product: Debt collection

I have asked this company multiple times to stop calling me. I do not owe this debt. They keep asking for someone else, and it is not me. I have repeatedly told them this. They keep calling and leaving voicemails. 

Dates and Times of Calls : XX/XX/21 XXXX XXXX  XX/XX/21 XXXX XXXX  XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX  XX/XX/21 XXXX XXXX  XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX  XX/XX/21 XXXX There are many more instances, but these are the only ones where the caller ID showed Advanced Capital Solutions XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several incorrect collection agency derogatory referrals to my credit profile that have the effect of significantly reducing my credit score and how prospective lenders assess my creditworthiness. These collection agency referrals are completely unknown to me. I had never received any statement, notice or other documentation in explanation of the referrals. Further, I contacted each of collection agencies as well as Experian demanding a full explanation of the legitimacy of the referral or to have the items removed from my credit profile. This included two letters to Experien, dated XX/XX/2020 and again on XX/XX/2020 requesting an investigation into the collection agency referrals, that I had written to the collection agencies with no response from them and to either justify the referrals or remove the items from my credit profile - and to reissue a corrected credit report. As of this writing there has been no evidence of any investigation, no proof of the legitimacy of the entries - all to the detriment of my credit profile and score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an FTC report to TRANSUNION LLC on XX/XX/2021. I explained in the attached cover letter my demands for furnishing these fraudulent accounts. I advised TransUnion LLC that if they believed I obtained goods or services to have a senior executive under the penalty of perjury draft an affidavit that states I have received goods or services as a result of the alleged accounts. Also, demanded to see documentary evidence that feared my wet signature proving I entered into the alleged transaction. Said notice gave them 5 business days to produce such documentary evidence. As you can see 6 calendar days later on XX/XX/2021, TRANSUNION LLC wrote with the attached denial letter stating that they would not be deleting the information as the law stated they should if they couldn't prove the validity of the information they were furnishing. Such denial did not address or provide any of the documentary evidence that I demanded to see which violated my block demand. Instead of doing as I demanded, TRANSUNION LLC, added an extended fraud alert without my authorization and said they would conduct a reinvestigation. I received this " alleged '' reinvestigation dated XX/XX/2021 on XX/XX/2021 via mail. It stated that their alleged investigation was updated and verified as accurate. However, I attached a letter explaining the multiple inaccuracies found in this alleged reinvestigation of the alleged accounts. For example, the alleged accounts show that they are in collection but never late and they do not even have payment history that dates back to when the alleged accounts were opened. The reporting of the fraudulent accounts are inaccurate and that alone should have them block, deleted and removed from my consumer report and file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported me as making a late payment to the credit bureau, when I asked them to pull the call where I was assured from the rep that she will update my account with my new bank information I felt assured that this would be done on their end. I am now told that this was never done and can not be done on their end they can only take the payment. I had expressed to the representative at that time that I was calling because I was not able to login to my account and she reiterated more than once that she will get it done for me. This was on XX/XX/XXXX, so my XX/XX/XXXX payment should of processed through my XXXX XXXX account-it did not due to the bank account not being updated as promised. My payment returned account closed-I had more than enough funds in my account!! I provided my bank statements proving this as well. When I called and talked to Alitha ( agent id XXXX ) in escalations I asked her why no one ever called, no correspondence received, nor did any of the representatives I spoke with ever tell me that my payments were hitting a closed account. Her answer was they do n't have to tell me I should be watching my account. I thought XXXX was a reputable company that had integrity, but apparently not. They kept taking my payment-so they charged me late fees & return payment fees. I could tell that I was not going to get any empathy from this rep from the beginning of the call, she talked over me and when I asked for another representative or her manager she told me she will have them call me back. I had to ask her what the name of the person who will be calling and she said she does not know. I asked her what time the call would be made-SHE THEN told me 7-10 business days. Mind you she is in escalation  and I have tried to call them on my break to ask them to review my documents showing that I had more than enough funds in the account at that point in time, also the fact that they called me to tell me my payment was due, but failed to mention the issue so I was never aware. I HAVE ASKED THEM NUMEROUS TIMES TO PULL THE CALL from XX/XX/XXXX-to no avail. Now I have a late payment mark ( the only one I have on my all my reports ) due to XXXX being unethical and allowing their representatives to withhold information from their customers for financial gain in fees. I also show that I am on auto pay on my profile, but according to XXXX in customer service I am not. I feel like this is another ploy to get more money for fees.
Product: Debt collection

call came in XXXX from Wells Fargo at XXXX XXXX from the number XXXX. Received another same day same company with same number at XXXX XXXX. Another with all same information above but at XXXX XXXX. Another at XXXX XXXX. The next day XXXX all same info but time is XXXX XXXX. Another came at XXXX XXXX. Another at XXXX XXXX. Another at XXXX XXXX. On XXXX all same info but time is XXXX XXXX another at XXXX. I have tried to call and only get a recording stating they are trying to collect a debt. I do not have a loan with them or owe money to them because I have never dealt with them. I have registered this number with Do No Call and am still getting this calls from this time. I am cooking things for XXXX and do not like to be interrupted throughout the day while trying to get some cooking done. Also do not appreciate running to the phone thinking it is a call I want only to be Wells Fargo once again. They have called before XXXX XXXX and after XXXX XXXX but do not have those records. Please help me this has to stop. I have not received anything in the mail from Wells Fargo either. Please help me make this stop. It is on going day after day after day after day after day for 1 1/2 year now.
Product: Credit card or prepaid card

On this date XX/XX/XXXX I contacted the Financial Hardship Dept. of Discover Card, XXXX asking to be enrolled in the Payment Assist. Program because I can no longer afford paying Discover {$97.00} a month, I was denied of the right to have access to the assistance program stating that XXXX does not have such a program and they could only lower the interest to 12.99 % if the account was suspended and I have to disclosed my bank account information and pay them immediately another {$97.00} before the due date of my next monthly bill which is XX/XX/XXXX. Please investigate as I find Discover Card has corrupt business practices and should not deny assistance when a consumer initiates the first step in good will to stay in good standing. Thank you.