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

In accordance with the fair credit reporting act list of accounts below has violated my federal protect the consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX  account number XXXX. 
Account name XXXX account number XXXX Account name XXXX XXXX Account number XXXX, XXXX. 
Account name is XXXX XXXX, XXXX account number XXXX. 
Account XXXX XXXX XXXX account number XXXX 15 USC 1681 section 602 ( a ) states I have a right to privacy.

15 USC 1681 section 604 ( a ) section 2 : it also states that a consumer reporting agency can not furnish all 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 item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 USC, 1681s-2 ( a ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency. If the person knows our has reasonable calls to believe that the information is in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit reports I notices several medical accounts and an auto account that did not belong to me and was a result of identity theft. In XX/XX/2018 I sent the 3 credit bureaus a letter, a copy of my identity theft affidavit and supporting documentation. However, they continue to violate FCRA section 605 and did not remove the items. The following accounts are still be reported on my account by Transunion and XXXX and are a result of identity theft. 

the fraudulent accounts being reported on Transunion are : XXXX XXXX XXXX Acct. # XXXX, XXXX XXXX Acct. # XXXX, The fraudulent accounts being reported on XXXX are : 5 XXXX XXXX XXXX account # XXXX with a balance of {$26.00}, XXXX XXXX XXXX acct. # XXXX with a balance of {$56.00}, XXXX XXXX XXXX acct. # XXXX with a balance of {$40.00}, XXXX XXXX XXXX acct. # XXXX with a balance of {$100.00}, XXXX XXXX XXXX Acct. # XXXX with a balance of {$100.00}, XXXX XXXX XXXX acct. # XXXX with a balance of {$150.00}, XXXX XXXX Acct. # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Card Service # XXXX XX/XX/XXXX XXXX reported the account as Charged Off and reported to the account C/O on XX/XX/XXXX.
XX/XX/XXXX XXXX sold the debit to XXXX XXXX XXXX that clearly sated in their letter to no longer communicate with XXXX. 
XXXX continued to report the account as C/O thru XX/XX/XXXX. 
XXXX no longer sent any form of communication. They never once confirmed or attempted to collect the debit because they had sold it off to the credit collectors. 
XXXX claims that they did not sell of my debit. This is false as they willing supplied information to the debit collectors. 
XXXX falsely reported to the credit reporting agencies that I still had a debit and that I was still in charge off status. 
XXXX at their own admission clams that they reported this debit but that there was no way for me to pay the debit and stop the charge off reporting. 
XXXX continued to report to the credit agencies that their was a balance due even though they no longer held the debit. The debit was sold numerous times over the course of the next four years. 
I have contact and reported this to XXXX numerous times with no logical resolve. 
This reporting has destroyed my credit and has preventing me from moving forward in life. My report to this day appears as if I charged off the account on XX/XX/XXXX when in fact the account was charged off on XX/XX/XXXX.
Product: Debt collection

I am a victim of identity theft, Please remove all accounts and inquiries that, I have mentioned in this report they do not belong to me, therefore, needs to be remove those account per FCRA 605 ( B ) U.S.C. 15 as prescribed by the FTC FCRA. 

CHRYSLERCAP account number XXXX XXXX opened XX/XX/2014
Product: Money transfers

I sent {$1000.00} via XXXX to XXXX XXXX XXXX, XXXX with the understanding I would get a return of {$10000.00} in 14 days. They asked for fee after fee that I paid and never paid me what they promised. Many of the fees were sent via XXXX or money gram.
Product: Credit reporting or other personal consumer reports

Opt Out Request : Submitted XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX Consumer Privacy Report Request : Submitted XX/XX/XXXX Please note : AS OF XX/XX/XXXX an active FRAUD ALERT was placed on my TRANSUNION credit profile. Opt out should be effective from XX/XX/XXXX. 

Please Note : AS OF XX/XX/XXXX an active FRAUD ALERT was placed on my XXXX XXXX credit profile. See attached. 

Please note : AS OF XX/XX/XXXX an active FRAUD ALERT was placed on my Transunion credit profile and access to CREDIT FRESH, IS NOT-PERMITTED, AS THESE ACCOUNTS ARE CLOSED AND PAID - NOT-REAFFIRMED AND INCLUDED IN XXXX CHAPTER XXXX DISCHARGE. See attached. 

I have collected evidence that demonstrates the fraudulent activity of CREDIT FRESH. Any parties found to be engaging in attempts to prevent, conceal, redact, and/or destroy evidence will be prosecuted for their complicity in the crimes. 

Please find the attached Transunion XXXX XXXX information. Under FCRA guidelines I am entitled to the names, dates, addresses as well as all information related to the sale and distribution of my personal information.
Product: Debt collection

Back in XX/XX/XXXX & XX/XX/XXXX, I settled all accounts I had in collections by paying off balance agreements in full via check and a couple online thru a debt collector ( who does n't have a positive reputation ) XXXX XXXX who sold my info to XXXX XXXX ... a GA debt collector firm ... both companies involved in major law suits in XX/XX/XXXX and XX/XX/XXXX due to deceptive debt collection practices. I fell victim to a XXXX XXXX wage garnishment myself during that time along with paying off other balances in full. These were all credit cards from roughly XX/XX/XXXX that went delinquent. USince XX/XX/XXXX, I heard nothing from anyone because they were paid off and settled. I am sure you guys know that you guys led to XXXX XXXX 's demise and the law firm closed in XX/XX/XXXX. Two of those partners though have opened a law firm in XXXX, GA under their names Cooling and Winters. Today, XX/XX/XXXX, I get a letter in the mail today in regards to a XXXX XXXX XXXX account claiming I owe over {$2000.00} when that account was settled and paid for back in XX/XX/XXXX. That credit card went delinquent back in XX/XX/XXXX but again I rectified it in XX/XX/XXXX by paying a settled amount a little under {$1000.00}. I called the law firm and the woman I spoke with claimed that XXXX XXXX never notified them my case was closed and then she began to ask me about two other accounts that were settled back in XX/XX/XXXX as well. She brought up XXXX XXXX 's closing and how their old files were transferred ... Of course if this company is own by two prior affiliates. I have the letter I received today. The woman I talked to today did give me XXXX XXXX contact info so I can call them and ask about my closed cases. She said it 's possible where they made the mistake of not properly closing my files. I plan on going to my bank in the morning to get copies of the checks used to pay XXXX XXXX and whatever other payment info. These are debts I do not owe because they were paid over 4 years ago. How can this be rectified? I have also filed a complaint to GA 's Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

I set these student loan Accounts on auto paid and thinking that is in auto paid. I got car accident and I was in and out of the hospital. I wasnt aware that the account was late. The company didnt call or send me a letter to inform me. I call them up explain the situation. I called the lender up explain the situation. They stated it was still my responsibility to call. I told them how can I Call if I didnt know ; also I was in out of drugs and was in multiple XXXX. When I was Partially recover I made may payment and contact the lender right away when I saw my credit score down due to the late on the student loan.
Product: Checking or savings account

I recently had my cellular device stolen on Friday, XXXX in XXXX XXXX XXXX at an establishment called, " XXXX XXXX ''. The perpetrators were able to figure out the passcode to my phone as I assume they had been targeting me and watching me put in my passcode throughout my time at the venue. From there, they were able to go into the " XXXX '' app on the stolen XXXX and funnel thousands of dollars from my XXXX XXXX  checking account, totaling up to {$8800.00} and spent these dollars at the XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, purchasing a bunch of unauthorized XXXX products via XXXX XXXX on the stolen device. Unfortunately, after filing disputes with XXXX XXXX, they are still withholding the money and not trying to reverse the funds to give me my money back. I've provided bank statements, filed disputes with XXXX, and provided a police report # ( XXXX ) from the XXXX XXXX  in XXXX XXXX XXXX XXXX .
Product: Checking or savings account

Please refer to complaint # XXXX. 

this message is to advise the CFPB that Bank Of America has not contacted me since the last time they called me to inform me that they had already paid 2 of the fraudulent checks for {$4500.00} each with a total of {$9000.00} as well as an amount of {$3500.00} that was stolen from my checking account. However, they still have NOT PAID for 2 more transactions, one is for another fraudulent check, A THIRD ONE, for {$4500.00} and an authorized withdrawal for {$130.00}. When I realized that they have not paid such Transactions and I had not heard back from them in 2 weeks, I decided to call Bank of America at the phone number they provided ( XXXX ) where I called multiple times and left Multiple messages with XXXX and XXXX the BofA Employees in charged of my case. to be exact I Left a total of 5 messages and they have not called me back nor returned my messages in over 2 weeks. It seems to me they don't want to pay for the other 2 transactions of {$4500.00} and {$130.00} that they still haven't paid for. and they are waiting for the 60 days to pass and expire which makes me very nervous and unhappy! Please see attached documents 3 checks not 2 ) I also called CFPB and spoke to Blanca about this situation but she advised me to wait till the 60 days. 

I have had many negative experiences with Bank of America in the past and I just don't trust the bank anymore! I NEED YOUR HELP TO RESOLVED THIS PLEASE!!! 

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

XXXX XXXX rental reporting agency said that XXXX XXXX Rental Management agency has the rest of my credit score needed to report to the three credit bureaus to give my credit score back to me at the credit bureau. Then while rent track was working on getting my score back to the credit bureau XXXX XXXX said they needed the apartment back by next month to make more money on the renting out of the apartment for their new property management. Then they said we had a perfect reference from them for a new apartment and their was no other reason they asked us to find a new apartment by next month. But they didn't mention they were holding the rest of our credit score from the credit bureaus and who would rent to us in such a short amount of time without our credit score being returned to the credit bureaus but they went on to do remodeling and making more money without returning the rest of our credit score to the credit bureaus in time. We asked the new apartment people if they would rent to us and they said yes, all we need is the rest of our credit score and they will immediately have an apartment ready for us. And the job people have our job ready for us like they always do and XXXX XXXX XXXX is forcing us to delay are In XXXX XXXX workday with our pay stubs and paychecks already ready on schedule. And my XXXX and roommates are forced to be delayed for housing and care without the credit score being returned to the credit bureau from XXXX XXXX is what Rent Track Rental Reporting Agency notified me of. How long do we have to wait for our credit score to be returned to the credit bureau before XXXX XXXX causes us unnecessary pain and suffering for their own monetary benefit with our credit score. We are requesting are credit score being  returned as soon as possible and to be compensated for unnecessary pain and suffering as long as their causing us to wait for the credit score to be returned. XXXX XXXX. Waiting for score to be returned at XXXX XXXX In care of XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, CA XXXX. Will be at XXXX XXXX XXXX, XXXX XXXX CA XXXX until XX/XX/2019. XXXX XXXX. XXXX. ( XXXX ) XXXX. I'd theft fraud report with the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Product: Debt collection

Company states that I owe XXXX in debt. Asked for a debt verification letter, was then referred to a collection agency ( AD ASTRA Recovery ). Asked collection agency for verification of debt, where they advised that they were unable to send one out.
Product: Credit card or prepaid card

Since my previous case filed with CFPB ( XXXX ) XXXX was in the process of verifying the authenticity of the police report. 

At this time XXXX has spent over a month with this process and just recently has stated to me clearly on the phone their fraud department does not challenge the reports authenticity, officers identify or the details in the report. 

They now state that my XXXX XXXX may have been compromised and for me to spend the time to research this a possible reason for the 'fraud '. I stated clearly I don't have an XXXX phone or XXXX XXXX, because my phone is on an Android platform that only interfaces with XXXX XXXX. 

Previously XXXX indicated all purchases were via a chip card and not a service like XXXX XXXX. 

This claim isn't being covered under their advertise " Zero Liability Protection ''. I've never give authority for any person to use my card or phone to buy anything, so this should be a very simple case, however more and more excuses are being used to make this issue go away.
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 XXXX Account Name : XXXX XXXX Account XXXX Account Name : FST PREMIER Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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, credit repair services, or other personal consumer reports

ALDOUS AND ASSOCIATES is currently reporting on all three major consumer reporting bureaus that I owe their company {$370.00}. Reporting started on XXXXand is currently still active. I've sent them written notice in which I haven't received a response. I don't know who this company is nor do I do I have any documentation with my signature nor verbal agreement with this company, so I have no contractual agreement with this company. I demand this be removed from consumer report immediately. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.
Product: Credit card or prepaid card

I have been a Capital one card holder since XXXX I noticed a charge of {$2500.00} on my card dated XX/XX/XXXX that I had not authorized. I immediately called the company to let them know I did not make the charge. Capital One issued a credit for the amount, and opened an investigation. I received a letter from Capital One on XX/XX/XXXX stating that the investigation " ... is now resolved '' and " As part of our {$0.00} fraud liability promise, you were not held responsible for any fraudulent charges. '' XXXX the same day they charged my credit card the {$2500.00} again and sent another letter that said, " Information we discovered leads us to believe you or another account user benefitted from the transactions. '' When I called to determine more information about their " investigation '' all they would tell me is that the merchant, XXXX XXXX provided emails showing that I had corresponded with them on my email account. The representative I spoke with stated that they assumed the charge was legitimate because a merchant wouldn't have my information, and especially my email if it was fraud. I explained to them that I looked for the emails that the merchant was alleging I had with them, but there was no record of any correspondence in the email account they were providing as " proof '' and that I did not delete any emails in my account. I explained that it would be simple for a fraudulent merchant to spoof emails, especially if they were only providing printed copies. This is especially true due to the XXXX  data breach of Capital One of more than XXXX XXXX accounts. I asked for copies of these emails and they refused to provide them to me. They also indicated to me that I placed the order at XXXX. I explained to them that this website doesn't exist - it redirects to XXXX  where it is offered for sale. The Internet archive ( XXXX ) shows that this domain has not had a legitimate website for years. Capital One alleges that I placed the order and was charged on XX/XX/XXXX, but allegedly received the merchandise on XX/XX/XXXX at my address. They did not seem to care that a merchant took XXXX weeks after an item was delivered to charge my card. Furthermore, they allege that what I ordered was a reclining sofa. Due to supply chain issues, sofa 's are being delivered XXXX  months after they are ordered, not XXXX weeks before. I explained all these things to Capital One on that phone call and in subsequent letters, but they refuse to take the fraudulent charge off of my card. They also refuse to provide any proof that I ordered the merchandise or that I received it. Perhaps they know they can't, because I did not order it, nor did I receive it. I have never heard of XXXX XXXX until I saw the charge on XX/XX/XXXX on my card. Capital One won't even give me any information on the company, other than to tell me I should write to XXXX to challenge the charge. I am not going to negotiate with a bunch of criminals! How can Capital One ( or any credit card company ) get away with slapping a fraudulent charge on someone's account without any proof at all that I made the charge?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX  DC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$1700.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX : {$24000.00} ; ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} ; XXXXXXXX XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

During the week of XX/XX/2020 - XX/XX/2020 my checking account with Navy Federal Credit Union was hacked into and {$1600.00} was stolen from me. I tried reporting this information to the Navy Federal Credit Union but they keep telling me after a thorough investigation on our side we have determined that no error has occured. I have even provided them with a police report and a schedule for when I was at work but an associate connected to the investigator from Navy Federal Credit Union has told me that they now need some new information other than what Ive provided them to prove my innocence. I dont know what else to provide them so thats why I am seeking help from you guys.