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

The XXXX accounts listed in the FTC report that Im attaching are results of identity theft. I have contacted the credit bureaus numerous times regarding this matter, and nothing has been done to remove these accounts. I'm attaching documentation in regard to this identity theft. I have requested that XXXX provide the AGREEMENT and SIGNED AGREEMENT WITH MY LEGAL SIGNATURE to show full ownership of such an account and also other documents.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Goldman Sachs Bank, specifically regarding my savings account opened under their Marcus platform. 

I successfully opened my Marcus by Goldman Sachs savings account on XX/XX/year>, and funded it with XXXX USD without any issues. Up until XX/XX/XXXX my account was functioning normally. 
On XX/XX/XXXX I received an email notification stating that my statement preferences had been changed, which I did not authorize. This raised immediate concern about potential fraudulent activity or a breach of my account. 
Upon attempting to access my account via the Marcus by Goldman Sachs app, I was met with a message stating that I had been locked out of my account and needed to contact their customer service. 
Concerned about potential fraud, I immediately called Goldman Sachs customer service. After being on hold for over an hour, I was informed by the representative that my account was being closed. No specific details or reasons were provided for the closure, except that it might be related to a security issue or suspicion of fraud. The representative mentioned that I would receive a formal notification within XXXX business days, outlining further steps. However, I found this lack of communication alarming. 
What concerns me most is that Goldman Sachs did not proactively communicate any security concerns, potential fraud, or issues with my account. As the account holder, I was never informed or given the opportunity to take protective measures, such as changing my password or verifying my account activity to ensure the security of my personal information and funds. 
When I asked for a reason why my account was being closed due to " security reasons, '' the customer service representative was unable to provide any clarity or additional information, stating that they could do nothing further. I was advised to file a complaint for any additional inquiries. 

Thank you for your time and consideration in addressing this matter
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an 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 title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

My account for XXXX XXXX I received from XXXX XXXX XXXX was placed at AAGON Agency for collection. The information in my file contains my personal information including my SSN. Recently I have noticed suspicious active on my credit report in the time my account was place in AARGON Agency. I have notified the credit reporting agencies and was advised to confirm that any third party that received my information in 2015 is compliant with XXXX CFR Parts XXXX, XXXX, and XXXX Health Insurance Reform : Security Standards ; Final Rule, Gramm-Leach-Bliley Act and California XXXX. XXXX and XXXX. XXXX. I have made the request and AARGON refuses to provide this information
Product: Credit card or prepaid card

I, XXXX XXXX, was doing business with Discover card since XX/XX/XXXX. They took out protection policy for me without my knowledge. I paid for this unnecessary action up to XX/XX/XXXX. I just happen to notice it when I'd final paid off the balance due. But Discover card still took out money from my account. And, NO notice was given that my account was paid off! I had to call them to stop. Otherwise, they would have continued. It was then that I noticed the unauthorized protection payments. The agent I spoke to stated the company would refund me {$300.00} and that the check would be sent to me if I kept my account open. I was told this XX/XX/XXXX. I kept the account open until XX/XX/XXXX. I'd waited but no check came. I called to find out when I'd get the money. I was told XX/XX/XXXX that I would be paid only {$22.00}. I was lied to.This is not acceptable cause a deal is a deal.Thank you for your help XXXX XXXX, Email : XXXX, cell # ( XXXX ) XXXX-XXXX
Product: Credit reporting or other personal consumer reports

XXXX quoted that they will not remove the derogatory item on my credit report from XXXX XXXX. They failed to show the accuracy of my credit report. Therefore, the item should be removed due to the proof of accuracy on my credit report from all XXXX bureaus
Product: Mortgage

Ihave been tocourt and also Federal Court regarding my home beginning with XXXX XXXX and XXXX XXXX XXXX Mortgage forclosed on me in XXXX, a fake signature was on the transfer of the loan and I sued and got my home back. While trying to pay XXXX after the recinsion, they contacted me to tell me they did not have my home. I ended up with a collection company, XXXX XXXX, XXXX, and was harrassed an demanding for all back pay.. went back to court and they settled. Got sold again to Selene Finance who I went before a Federal Judge with in XXXX  AL in XXXX.. I was ordered back into the Mortgage and went into a trial pay period of 3 months. I recieved the paperwork that XXXX, and I begin to pay the Mortgage, but I did not sign the paperwork, because it was worded incorrectly. I paid all 3 months and they would not cash any of my Cashier Checks. They silently forclosed on me only with a notice in the paper, would not answer any questions and I mailed a certfied letter to XXXX Texas regarding proving that they owned my home. No answer. I was forclosed on in XX/XX/XXXX. I am still in my home, but I want to know who has my home and why did they not abide by the Federal Judge orders? XXXX Mortgage will not answer neither. I know I am securitized, but no one will comment. Please help me. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

A {$30.00} annual fee was withdrawn from my US Bank Traditional IRA account on XX/XX/XXXX. Opened the account in XXXX and never had this fee deducted before. 
Several attempts we communicated with the bank to have the fee reversed and I never received notice that the fee would be deducted from my account. 
I even set up a phone appointment with bank on XX/XX/XXXX, but bank never returned my call.
Product: Debt collection

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I may have given you written or unwritten, verbal or non verbal in accordance with 15 USC. 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing to dispute a fraudulent collection account that has appeared on my credit reports. The account in question was opened by XXXX XXXX, a debt collection agency, without my knowledge or consent. As a victim of identity theft, I am deeply concerned about the impact that this fraudulent account could have on my credit history and financial wellbeing. 

I first became aware of the fraudulent account when I received a notification from bureaus about a new account that had been opened in my name. I was surprised as I had not applied for any new credit in the recent past. Upon reviewing my credit report, I discovered that a credit card account had been opened in my name without my consent. 

The impact of this fraudulent account has been significant. It has lowered my credit score and made it more difficult for me to obtain credit or secure favorable interest rates. It has also caused me significant stress and XXXX, as I worry about the long-term implications of having a fraudulent account on my credit report. 

I want to make it clear that I did not authorize this account and I am not responsible for the debt that XXXX XXXX is attempting to collect. I have taken steps to protect myself from identity theft, including monitoring my credit report regularly and being vigilant about protecting my personal information. I have also reported this incident to the Federal Trade Commission. 

I respectfully request that you take action to investigate this fraudulent account and ensure that it is removed from my credit report. I am willing to provide any documentation or evidence that may be necessary to support my case. I believe that it is important to hold companies like XXXX XXXX accountable for their actions and protect consumers from the harmful effects of identity theft and financial fraud. 

Account details : XXXX XXXX - XXXX. XXXX XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/year> Balance : $ 0-Charge off- XXXX XXXX XXXX, XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I XXXX take appropriate legal action.
Product: Credit reporting or other personal consumer reports

* 15 USC 1681e ( b ) : Failure to maintain the accuracy of my credit report.

* 15 USC 1681s-2 : Negligence in ensuring the furnishers of information comply with their obligations.

* 15 USC 1681i ( 5 ) : Failure to properly reinvestigate disputes and remove inaccurate information.

* 15 USC 1681c ( c ) : Inclusion of obsolete information in my credit report. 

I have sent multiple dispute letters to XXXX, but they have either failed to conduct proper investigations or reinvestigations, or outright ignored the evidence I provided. 
To make matters worse, I have learned abour 'e recent CFPB lawsuit against XXXX ( " CFPB Sues XXXX for Sham Investigations of Creait Report Errors '' ), which highlights neglected efforts in your company affairs. 

have sent multiple dispute letters to XXXX, but they have either failed to conduct proper investigations or reinvestigations, or outright ignored the evidence I provided. 

I want these accounts removed XXXX XXXX XXXX ACCOUNT HAS INCORRECT IMFORMATION Transuion = {$520.00} Experian = {$510.00} XXXX = {$520.00} This credit line is suspended And I didnt apply for this line of credit. 



XXXX XXXX Past Due : {$740.00} {$700.00} {$740.00} Incorrect reporting Comments : Charged off as bad debt Canceled by credit granto chargers off but I never received a 1099-C Also this account doesnt belong to me. 

XXXX XXXX This account doesnt belong to me XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX This account doesnt belong to me XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX this account doesnt belong to me XXXX XXXX Doesnt belong to me
Product: Credit reporting or other personal consumer reports

On XXXX I got a hard inquiry alert on my Transunion credit monitoring page. It was for a loan or credit application through XXXX XXXX. I called both Transunion and XXXX and no one was able to help me with who the merchant was nor take out the hard inquiry. XXXX requested for the Merchant name which Transunion said that they do not have. Transunion requested for a hand written dispute with a notification from XXXX stating it was a fraudulent inquiry. XXXX said they are unable to provide this notification without knowing the merchant involved, the XXXX rep also said she was unable to search using my social security number or any other identifying information from me. We are currently at cross roads on getting the hard inquiry lifted and putting a stop to the fraudulent request
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 never opened this account. Nor have I ever tried opening an account with this company.You need to remove this from my credit report : it is effecting my credit in a negative way.. What proof do u have that I opened this account? When and how was this account opened?? 


I need all the documents you have regarding this account, because I never opened it. Send me the original contract used to open this account, where was it opened? 

Who authorized you to run my credit?! 
Remove this account from my credit reports XXXX XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent it a dispute letter on XX/XX/2020 filing a complaint on inaccurate information reporting on my credit report to all three bureaus. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract. Under federal law, they have thirty days to complete the investigation and I received no reply. 

On XX/XX/2020, I sent a letter as a formal notice of my intent to file a complaint with the FTC reminding them that Under federal law, they have 30 days to complete the investigation, yet they have failed to respond. 

This is a violation of my rights and I am not able to move forward with my life with these inaccuracies on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is violating my FCRA rights and the credit bureaus are allowing them to report inaccurate information. This is for 2 loans that I have. A close date only reports on XXXX. There isnt any on XXXX  or XXXX. The original contact was with Sallie Mae. 

If this company doesnt remove the accurately report this or remove the account within 30 days, my attorney will file a lawsuit in XXXX County, GA for violating my FCRA. XXXX  should remove because they violated all inaccuracies in XXXX. 

The last activity date on XXXX is XX/XX/XXXX but is XX/XX/XXXX on XXXX. No DOLA activity is shown on XXXX. The terms arent shown on XXXX. 

The other account shows XX/XX/XXXX and XX/XX/XXXX as the close dates. 

A high balance isnt shown on XXXX. 

In addition, a 90 days past due is constantly reporting on XXXX and XXXX. There shouldnt be any delinquencies after the close date. 

Also, why are there any 30 or 60 day late payments? Where is the payment history from XXXX until now? Shouldnt the account be removed from the first date of delinquency. If you check XXXX XXXX credit report there are delinquencies from XXXX which means this account should be immediately removed and not in XXXX. 

This historical information is incorrect and reports a past due amount and does not show history from XXXX. 

This account has many issues which can be proved in a court of law. Plus this creditor continues to validate inaccurate information.
Product: Credit card or prepaid card

On XX/XX/XXXX I was billed from an merchant. Once I saw the unauthorized charge on the account and did not recognize the charge so I called td bank and they advised it must be fraud. They did not advise me of who the merchant is. They did not tell me who to call. They did not guide me in any way to show me if this was fraud or a dispute. They treated it as fraud and received a sales draft or a representment back stating I authorized this charge and sent me the documentation dated XX/XX/XXXX showing XXXX XXXX is for the taxes I was refunded when I made a purchase in duty free. They claimed I did not submit the form however I did. I was advised to drop the form into the blue box thats in the airport which I did do. XXXX XXXX does not have a phone number that I can call. The number is out of the country and the transaction is still a billing error. By the time I saw the documents I had already received a letter dated XX/XX/XXXX stating they had issued a credit to my account and the dispute was resolved in my favor. XXXX XXXX XXXX  XXXX I started getting collection calls saying I owed this amount. I contacted the bank and they advised they never sent the letter and I told them they did. After them investigating some more they said the letter was sent in error. I have been going back and forth with the fraud/dispute department manager XXXX XXXX who advised I was wrong for claiming fraud and I said no one told me who it could possibly be so if the bank cant tell me who they are then how would I know. She said there was nothing she could do. I was sent to collections. It effected my credit and I was charged interest and late fees. XXXX said the letter was an error. No one caught this error before I was sent into collections. I had to call them to tell them they sent me this letter months ago. I asked XXXX to speak to my daughter and they talked on XX/XX/XXXX. XXXX advised she would submit the escalation and we would have an answer within 7-10 days. No one has called us back. We called two to three times and my daughter left voicemails for her to call back and she has not. Td bank has mishandled this case and incorrectly sent my account to collections and has not been in communication as promised. The transaction is still a billing error since I did everything I was told to do per the merchants terms and conditions and they refuse to take this dispute or credit the account for the error
Product: Debt collection

ON XXXX XXXX, SOMEONE CALLED MY WORK, LEFT A MESSAGE FOR ME TO CALL XXXX XXXX XXXX. THEY MADE IT CLEAR TO MY EMPLOYER THAT THEY WERE A DEBT COLLECTOR. 

WHEN I CALLED BACK, THIS PERSON WAS NOT THERE, BUT ANOTHER PERSON TALKED TO ME, VERY CONDESCENDING AND RUDE, HE NEVER TOLD ME HIS NAME. HE WANTED ME TO VERIFY PERSONAL INFORMATION, WANTED ME TO GIVE IT TO HIM, I REFUSED. HE SAID THAT I WOULD HAVE TO BE DEALT WITH THE " HARD WAY '' WHEN I ASKED WHAT THAT MEANT, WAS HE THREATENING ME, HE SAID HE WASN'T. 

I TOLD HIM TO NOT CALL MY WORK AGAIN AND HE SAID THAT HE COULD NOT STOP ANYONE IN HIS COMPANY CALLING ME. I TOLD HIM THAT I KNEW IF I ASKED FOR NO CALLS AT WORK, THE LAW SAYS THEY HAVE TO OBEY. HE AGAIN SAID HE COULD NOT STOP ANYONE. 

I BELIEVE THE COMPANY IS CALLED XXXX, XXXX, Pennsylvania, United States, EVEN THOUGH HE NEVER ACTUALLY SAID SO.
Product: Credit card or prepaid card

The DISCOVER FIN SVCS LLC account with the account number XXXX that is being furnished on my Credit Report is inaccurate and old. The account included in the bankruptcy are removed after seven years. Please investigate the date of this account being reported as a bankruptcy. I've already sent letters to both the Credit Bureaus and the furnisher without any successful resolution. Please provide me a copy of the legal documents and any proof to verify the account 's status. Otherwise, removal of the account should be highly recommended.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a confirmation from Equifax of my personal dispute. The confirmation number is XXXX. The company is asking me to submit a copy of my social security card, driver 's license and or an official document to update my name. I submitted a valid governmental issued identification card.
Product: Debt collection

Received letter from debt collector. Did not know for what. They helped me through the steps, after I called reporting to them that this is something I did not owe. At the time I still did not know what it was for. The amount was {$2300.00} I then disputed it to them and mailed it back. 
And then I filed a police report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my Consumer Report where I discovered that ( XXXX XXXXXXXX XXXX /SPEEDY CASH ) date opened ( XXXX ) a loan installment account was notated as a ( CHARGE OFF/ COLLECTIONS ) on my profile. It was never disclosed to me upon our initial agreement that I had the right to opt in or opt out of my privacy being shared with a third party. In Pursuant to Title 15 U.S.C. 1681b ( 2 ) any information communicated a placed on my consumer report should be based on my written instructions. In pursuant to title 15 U.S.C. 1681c ( 4 ) No CHARGE OFF/COLLECTIONS should be notated on a Consumer Report without written consent and an adequate notice antedating 7 years.