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

XXXX XXXX no action taken to resolve the matter
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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: Debt collection

I received a bill from a collection agency called ACI ( American Coradius Internat'l LLC ) . It stated that XXXX had turned over a debt that I had incurred with XXXX for {$1000.00}. I have NEVER used XXXX for that amount. I called XXXX to ask them to explain what the charge was. They wanted me to give them my SSN and date of birth which I would not do. They suggested that I contact XXXX. XXXX told me that I had a zero balance and owed nothing nor were there any records of me ever owing that amount. They told me not to worry about it. My concern is that if I had mailed {$1000.00} to ACI, what would have happened to it? I read on the XXXX site that other people have gotten bills from ACI and did not owe XXXX any money either. I XXXX ACI and it says that it is a legitimate collection agency. I am writing you to alert you as to what must be fraud perpetrated by either the collection agency or someone else.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 XXXX XXXX  - I received ( and still have ) text messages that I had successfully added and removed payees on my Wells Fargo XXXX account. I wasn't doing any of that. I was on the phone with fraud department while the transaction was still happening, telling them I was not participating. The fraudulent person took the maximum amount they could as it was the first time they were taking money from me. At the time, XXXX had a requirement that the first 3 times you send money, the max you can send is {$500.00}. Wells Fargo conducted their investigation and determined that I had added the thief and because I accepted the XXXX, it was my responsibility. They said I gave the money and actively participated in the transaction. 

I NEVER added those persons to my account, I NEVER authorized the transfer and immediately shut down that checking account to open a new one and have never, nor will I ever, use XXXX again. Even if I do get my money back, I will never use that service again. 

This was not a case of someone tricking me into sending them money. I never spoke to the thieves, I never interacted with them in any way shape or form. I am certain the IP addresses would confirm that but that seems to be too difficult a task for anyone to undertake. 

I lost {$500.00} and I am obviously, still mad about it. A part of me still suspects XXXX coders are somehow responsible.
Product: Credit card

I have bought a ticket for myself and my girlfriend with my capital one credit card for our flight on XXXX XXXX from XXXX to XXXX XXXX, with XXXX XXXX XXXX XXXX instructed us to be at the airport XXXX hours prior to the flight, we arrived XXXX hours prior however XXXX lane took us over XXXX hours to clear, and we had to miss out flight, and trade show I was attending to, my investment on trade show as well as hotel stay is lost. 

XXXX XXXX manager on duty at the XXXXXXXX XXXX was witness and she said she will help us get a refund, I emailed her, she again said on the email she will try her best but nothing. 

I have filed dispute with my credit card, and my credit card did not fight for me. My credit card company supposed to protect me but they failed to show effort. I have sent them the email between me and spirit airlines manager on duty, and they said " XXXX didnt agree, she just said she will try her best ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
U S DEPT OF EDXXXX XXXX U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the XXXX XXXX XXXXXXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, CB INDIGO failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CB INDIGO  Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CB INDIGO Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge.
Product: Debt collection

Several creditors were included in my bankruptcy these creditors are still being allowed to on all three bureaus report late payments on old debt. It has been 4 years since my bankruptcy and each of the three credit bureaus has denied me accuracy in reporting. This has resulted in me now having unstable and unreliable credit history. 

Further more I had an identity theft situation occur I provided proof of this to creditors directly as well as gave notice to all three bureaus. unfortunately they still have not resolved these inaccuracies. 

The dates and account creditors vary : XXXX 3 different accounts All three credit reports. Various balances. 
XXXX XX/XX/XXXX {$280.00} Possible Finance XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XX/XX/XXXX {$1700.00} I.C. XXXX XXXX XX/XX/XXXX {$6.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Never even explained why they placed on file. Just did and when I challenged it they removed the balance but left the account on my report. 
XXXX XXXX XXXX XXXX {$0.00} Various Inquires listed from dealerships Failing to notify me that they were running credit pulls and then allowing others to pull addition. Has left my inquire history unstable. My Credit is just all over the place due to horrible management by the 3 bureaus on validating these debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Transunion is govern by 15 USC 1681. And they violated my rights numerous of time. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Transunion written permission to furnish these accounts XXXX XXXX XXXX Account # XXXX DEPTEDXXXX Account # XXXX DEPTEDXXXX  Account # XXXX DEPTEDXXXX Account # XXXX DEPTEDXXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit 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 accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts be blocked and deleted from my credit report due to being a victim of a data breach. As provided by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be immediately removed from my credit file to protect my personal information and prevent further damage to my credit standing. 
Accounts to be blocked and deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$4100.00} XXXX - XXXX - XX/XX/XXXX - {$4800.00} XXXX - XXXX - XX/XX/XXXX - {$2300.00} Inquiries to be removed : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I AM EXTREMELY UPSET BECAUSE THIS IS STARTING TO BECOME A BURDON TO ME. I HAVE BEEN DISPUTING THIS ACCOUNT WITH EQUIFAX FOR THE LAST YEAR OR SO AND TO NO AVAIL THESE INCORRECT ITEMS FROM XXXX XXXX AND XXXX XXXX REMAIN ON MY CREDIT REPORT. FIRST AND FOREMOST BOTH ACCOUNTS ARE A RESULT OF IDENTITY THEFT, SECONDLY EQUIFAX IS IMPROPERLY REPORTING BOTH. BOTH ACCOUNTS HAVE BEEN RE-AGED WHICH IS A FCRA VIOLATION. EQUIFAX IS REPORTING THAT THE DATE OF FIRST DELINQUENCY IS XX/XX/2020 YET IN THE PAYMENT HISTORY IT STATES THAT THE PAYMENT HISTORY WAS ON TIME FOR THAT MONTH AND SO FORTH. XXXX WHICH IS ALSO REPORTING THIS DEBT AT THE SAME TIME AS XXXX IS REPORTING A DIFFERENT DATE OF FIRST DELINQUENCY AS XX/XX/2020. IF XXXX IS THE ORIGINAL CREDITOR AND XXXX IS IT'S SUCCESSOR HOW CAN THE DATE OF FIRST DELINQUENCY BE REPORTED DIFFERENT FOR BOTH ACCOUNTS? THIS IS ALSO BLANTANT FRAUD OF XXXX AND XXXX 'S BEHALF AND I WANT BOTH ACCOUNTS REMOVED IMMEDIATELY. THEY BOTH HAVE HAD ENOUGH TIME WITH ALL OF THE DISPUTES I HAVE SENT IN TO REMOVE THESE ACCOUNTS. EQUIFAX, XXXX AND XXXX XXXX HAVE ALL VIOLATED SEVERAL CHAPTERS OF THE FCRA INCLUDING BUT NOT LIMITED TO SECTION 623 ( a ) ( 6 ) and 1681 ( c ) ( 1 ) running of reporting period. I HAVE ATTACHED A COPY OF MY DRIVERS LICENSE AND A COPY OF THE CROPPED CREDIT REPORT PULLED FROM ANNUALCREDITREPORT.COM
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of ID theft THIS IS NOT A DISPUTE. I have notified the 3 credit bureaus numerous times on this crime and they are willfully, knowingly with intent refusing to REMOVE AND PERMANENTLY BLOCK several of these fraudulent accounts in an attempt to cause me damages. They are even allowing the alleged creditor to change the account numbers and dates to keep the fraudulent accounts on my report to cause me damages. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

Please see Affidavit of ID Theft for a complete list of all fraudulent accounts associated with this crime. Willful refusal to remove and block is now a violation of several sections of the FDCPA AND FCRA specifically sections 605 ( b ), 615 ( f ) and 623 ( A ) ( 6 ). PLEASE IMMEDIATELY REMOVE AND BLOCK THESE FRAUDULENT ACCOUNTS within 4 days of receipt of this report.
Product: Checking or savings account

Im locked out of my business account and Im not 100 % sure how to get back into it Bank of America business doesnt help
Product: Debt collection

The collection - XXXX XXXX XXXX XXXX XXXX have been reporting inaccurate information on my credit report. I made a request to have the information removed and they provided me information showing my signatures. However, this information is from the original creditor which is totally inaccurate in amounts and balance owed. They can not base the inaccuracy they are reporting from a file that was provided by the original creditor. The original purchase was made through XXXX in XX/XX/XXXX, then it was transferred to XXXX, and then serviced by XXXX. XXXX XXXX XXXX is a best collector and does not have all the pertinent facts from XXXX to the time the vehicle was returned to the creditor in XXXX voluntarily, and this was not the arrangements made prior with the creditor in XXXX upon settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/23 I was advertised a promotion. I was directed to yourscoreandmore.com, then entered my personal info ( SSN, debit card, DOB, name, address, etc ) to become eligible for said promotion. 
XX/XX/23 I called the company to cancel the subscription, so I wouldn't lapse the one week trial, with a {$1.00} dollar processing fee. 
XX/XX/23 {$1.00} taken from account. 
XX/XX/23 {$1.00} taken from account. 
XX/XX/23 {$19.00} taken from account. 
XX/XX/23 I called to cancel again, and was unable to cancel or confirm my account status. 

I read into yourscoreandmore.com, and realized many others have experienced similar random unauthorized withdrawals of cash from bank accounts. 

I am worried that they have my SSN, and will sell my info, or use it with malicious intent.
Product: Bank account or service

I gave a personal check to my daughter to cash, she does not have an account with Bank of America, she went to BOA in XXXX NC to cash the check. 
My daughter told me that when they were looking at my account they gave my daughter full view of my account details and she is not on my account and to make matters worse her boyfriend was there and saw my account as well. My daughter said anyone standing behind her could see my account as well on the big screen they had. This is totally a violation of my privacy of my bank information. I do n't think this type of behavior should be not addressed as identity theft is on the rise, etc and I think the bank should be fined.
Product: Checking or savings account

Year XXXX. My XXXX XXXX created a wells Fargo account in my name and stole {$5400.00} out the account. They wouldn't even refund my money after I provided proof of identity and provided proof from the IRS. 
Year XXXXXXXX XXXX XXXXXXXX the bank said I was approved to open a bank account but when I went to a branch to open an account I was unable to. And the company didn't even explain why all this happened. Nor did they attempt to investigate the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX account XXXX, XXXX XXXXXXXX account XXXX and XXXX XXXXXXXX account 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

1.XX/XX/XXXX-XXXX XXXX phoned my sister and brother in law about trying to be served by XXXX XXXX XXXX XXXX. 

2. XX/XX/XXXX-Phoned XXXX XXXX XXXX XXXX and spoke with XXXX XXXX and he informed me that they are trying to serve me for a debt I never had and he will not give me any documents that show this debt. Instead he sends me a letter stating that I agreed to pay the {$930.00} which is incorrect because I will not be paying for this debt I never had and never received any letters about this. XXXX told me that all letters where sent to an old address that goes back to XX/XX/XXXX. Also Mr. XXXX told me he would talk to XXXX XXXX about talking to my sister and given out my information to her. 

3. XX/XX/XXXX-Left voicemail message for XXXX XXXX letting him know that I have filed a complaint with CFPB and the FTC. That I don't want anymore phone calls from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX RE : PERMISSIBLE PURPOSE To whom it may concern. 

I, ( XXXX XXXX ) never gave ( Transunion, XXXX, Or XXXX XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute You also do not have any permissible purpose to furnish my personal information to any third party. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts : Name of Account Account Number Provide Verification XXXX XXXX XXXX Unverified Account Sincerely, XXXX XXXX
Product: Debt collection

In the year XXXX i went to best buy to get a computer for the amount of {$1700.00} i was willing to pay off the computer when one of the associates told me that if i open a credit card with best buy I will get promotional offers and discounts the card No. is XXXX XXXX XXXX XXXX and to other products but they never mentioned or show me that will pay {$99.00} every two years for the card. 
I paid in full all my products then later i received this incorrect charge of {$99.00}. I call Best Buy/ Citibank about the charge and I explain that I never sign for that type of card and I told them that the associate never mention to me that i will be charge {$99.00} to have the card. I Told them that they need to removed the total amount and they did not do it they continue adding interest on that amount. from {$99.00} now is {$390.00}. 

I sent letters 3 to disputes this charges and they only sent me letters to call them only to received the same answer. That I need to pay the amount mentioned above. {$390.00} I explain that I went to best buy where I they offer the card and the Manager told me that that they don't charge annual fee for regular store card only XXXX XXXX I explain that in my disputes that I have only regular best buy card, and they insist that I need to pay that balance. So in XX/XX/XXXX I request for the card statements since the first charge ( that even the representative told me that many people called in the past for the same reason, that for me sounds like a fraud!! ) so I request the contract from that regular store credit card so I can find the specification of the charge, they told me 30 days since that they and I have not received anything form them and now is XX/XX/XXXX. 
I need to report this fraud form!! Best Buy /Citybank as a consumer I have the right to see the original contract from the card and the first statements where I Can see the first charge. They also hurt my credit with bad reports for this situation!! that is why I need your help mainly to see the original contract of the Best Buy credit card and the first charge. So I can go right away go to the manager that keep saying that they don't charge for that type of credit so I can certified that they that they are lying to the people.