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

The Fraudulent items listed below still appear on my credit report, even after your investigation. I would like these specific late items immediately re-investigated and corrected/removed. These inaccuracies due to identity theft are highly injurious to my consumer credit report. There is information on my consumer credit report that are a result of identity theft. I did not give authorized written permission or instructions for the identified purchases to be reported on to my consumer report. I am requesting that the publishing of this informational data be investigated and corrected/removed. The Identified transactions are not related to any grand action or transaction by me as the consumer. 

MONTHS OF ACCOUNTS/ACCOUNT NUMBER INACCURATE LATE PAYMENTS DATE OPENED XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX FORMER ADDRESS TO BE DELETED : XXXX XXXX XXXX XXXX XXXX, FL XXXX Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506 , Title VI , Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation.

Please provide : 1.As you are aware, the Fair Credit Reporting Act ( FCRA ), 15 USC 1666b , requires that credit reporting agencies to follow reasonable procedures. To ensure that the information in a consumer credit report is accurate. It also gives consumers the right to dispute inaccurate information and requires credit reporting agencies to investigate and correct or remove inaccurate information.

Also, the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 subsection C-2 Blocking of information resulting from identity theft.
Product: Debt collection

Synchrony Bank ( Amazon ) has called me numerous times, please see the following dates and times : Monday - XX/XX/2020 : XXXX Tuesday - XX/XX/2020 : XXXX Saturday - XX/XX/2020 : XXXX XXXX XXXX XXXX Sunday - XX/XX/2020 : XXXX XXXX Monday - XX/XX/2020 : XXXX XXXX XXXX XXXX Tuesday - XX/XX/2020 : XXXX XXXX XXXX I feel like it's excessive and anxiety inducing. I use my phone for work, and it's not only disturbing to my work day but it emotionally disturbs me.
Product: Debt collection

XXXX XXXX has been attempting to collect a debt which I do not owe. They have damaged my credit with charges which I did not incur. They are alleging that I owe {$6200.00} for a phone bill.This is outrageous and impossible as I have never spent more than {$100.00} on a cell phone bill. I contacted them and told them that I was a victim of identity theft and sent them a police report, but they never took the charges off. I have been very distressed as a result of this matter. This is not my debt and I do not owe them. I am a victim of identity theft and this is not my debt.
Product: Credit reporting or other personal consumer reports

I sent letters to EXPERIAN, XXXX and XXXX regarding the incorrect information on my credit report. There are accounts that are reporting 100 % inaccurate. I never received a response or resolution with any of the credit bureau regarding this matter. I will attached the letter to this complaint. More so they didn't follow the proper 5 step validation procedure which makes these unfair practices. According to the FDCPA I'm entitled to 1,000 dollars per violation and clearly they violated my rights.
Product: Debt collection

Lockhart Morris an unknown company collecting for XXXX XXXX XXXX in the amount of {$8600.00} since XX/XX/2019. I have asked for proof of contract to prove this is account since I do not know who either company is and why they are saying that this is my account. This has lowered by credit score and quality of life. Legally this is not fair and unjust.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice that my credit report was ran without my consent on XXXX by ELAN FINANCI twice , XXXX by XXXX XXXX XXXX and XXXX by US BANK. I have been a victim of Identity theft and I been trying to reach out to the creditor to have this inquiry removed along with the other inquiries that were placed on my credit report.
Product: Debt collection

Under the doctrine Estoppel by silence, Engelhardt v. Gravens ( MO ) 281 SW 715, 719 I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted Key 2 Recovery on a matter that pertains to my credit. I have been a victim of fraud. I sent Key 2 Recovery a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked Key 2 Recovery to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing this account from all three credit bureaus ( XXXX, XXXX, XXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay Key 2 Recovery and the collection agencies could not provide that information. You purchased this debt from the original creditor. I am very aware how this process goes. You have no legal right in this matter. Send me the documents that I signed stating I owe Key 2 Recovery. You can not because this is not my debt nor do I owe Key 2 Recovery anything. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS WITH MY SIGNATURE FROM Key 2 Recovery NOT WHOMEVER YOU BOUGHT THIS DEBT FROM THAT DOES NOT BELONG TO ME!
Product: Debt collection

CONSUMER ADJUSTMENT CO is a third party medical bill collection agency attempting to collect a debt that is not mine and owing. The federal law no prohibits medical bill collections from being on consumer credit reports. The debt was charged off by the original creditor and sold to a third-party collection agency. As a result, I no longer owe the debt to the original creditor, nor do I have any contractual agreement or direct relationship with the collection agency that is now reporting this debt. Because of this, I respectfully request that this collection account be removed from my credit report as it no longer accurately reflects my financial obligations. 
Please note that under the FCRA, the information reported to the credit bureaus must be accurate and verifiable. Given that I no longer owe this debt to the collection agency, I am requesting that the account be removed entirely from my credit report. 

CONSUMER ADJUSTMENT CO Address XXXX XXXX, MO XXXX Phone number ( XXXX ) XXXX Date opened XX/XX/XXXX Account number XXXX Account type Collection Status Collection account. {$900.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, My complaint is against Coinbase. My account has been locked since XX/XX/21 - it is now XX/XX/21. I have gone through their complaint process which ended in XXXX. I have yet to receive any support from them. I have had no access to my account which has a substantial amount of vitrual currency and cash that I need to survive. I have also missed out on the ability to sell in a highly volatile market. They are IGNORING me or have taken all of my money. 

Please see reference case numbers below : Case # XXXX - Case # XXXX - Complaint # XXXX, XXXX, XXXX XXXX
Product: Debt collection

Commonwealth financial systems put on my credit report XX/XX/XXXXXXXX  my account was delinquent for payment in the amount of {$3000.00} and it was sent to collections in XX/XX/XXXXXXXX  from XXXX XXXX XXXX who is original debt collector. XXXX has been coming for me since XXXX  on these same medical claims that were supposed to be paid by the veterans affairs I have called the veterans affairs several times thinking the issue was through only for it to continue popping up on credit report. It is frustrating because they are supposed to file claims within three month window to receive payment they continue to go after me illegally sending threatening notices in past years about the collection when they are supposed to go through veterans affair.
Product: Credit reporting or other personal consumer reports

I did not have a contract with both companies that have been listed on the dates they are reporting that the account is was opened. Each time I dispute it they change the date. I've tried to dispute these items with XXXX XXXX Equifax and they don't seem to care not resolve this issue. Its incredibly difficult to get someone on the phone, they don't follow through with their investigation. Allow these companies to access my sensitive data and post damaging misinformation on my credit report is grossly neglectful and irrisponsponsible of credit reporting agencies. Especially when I've brought this to their attention many times! Its violated my right to fair treatment and privcacy of my personal information.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company XXXX, Has placed a student loan on my credit report as a co-signer. I haved never requested a a loan from them nor have I agreed to be a co-signer. In fact, I Just noticed this loan to appear on my credit report after my account was breached at Equifax. I received notice from equifax that my information had been compromised. I did not attend any school to ask for a loan. All my loans are with another company. I have not received a letter from them because it is not my loan. I believe This company is trying to forced me to be a co-signer on a loan that is not mine. 

thank you XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello my name is XXXX XXXX from XXXX and I sold a cell phone to a woman named XXXX XXXX, I sent her the phone in the mail and received an email from usaa bank that I need to receive a money transfer for XXXX XXXX, after receiving the phone the bank contacted me again and wanted me to transfer another XXXX XXXX The taxes the customer paid and then they will refund me XXXX XXXX, then I paid the money, then the bank contacted me again and said that now the account has risen to XXXX shekels and I need to transfer another XXXX XXXX to the customer and then they will transfer XXXX to my account, and meanwhile the client promises me The money and nothing happens and the bank also asked that I only transfer XXXX XXXX and the transfer will take place, after I transferred the XXXX XXXX, I get a message from the bank that I won a bonus and they want to compensate me another XXXX XXXX, and now they ask me another XXXX XXXX  to transfer I will receive XXXX XXXX, I wrote to them that I am no longer interested in anything and want my money that I deserve it is everything, I have all the conversations with them and the client and all the screenshots including everything, please help me please they cheated me endlessly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Product: Debt collection

I never signed a contract with global radius solutions. I settled a debt with XXXX XXXX and was told the account would be removed from my credit report. It has not been removed. Then they sent me a check for XXXX for an adjustment. This is a outrage and if this matter is not resolved, I will seem legal counsel.
Product: Credit reporting or other personal consumer reports

Dear Consumer Protection Bureau, I am writing to bring to your attention a matter concerning XXXX 's, XXXX 's, and Transunion 's handling of my personal identifiable information on my consumer credit report. Despite my explicit request, XXXX, XXXX, and Transunion have failed to honor my request for the deletion of all personal identifiable information from my consumer credit report, with the exception of the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX Consumer reporting agencies, including XXXX, XXXX, and Transunion XXXX are bound by law to exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy, as stated in 15 USC 1681 ( a ) ( 4 ). By failing to grant my request, XXXX is in direct violation of 15 USC 1681 and all its subsections, which protect my privacy as a federally protected consumer.

I base my request for the deletion of my personal identifiable information on the following provisions : 15 U.S.C. 1681 section 602A, which grants me the right to privacy.

15 U.S.C. 1681 section 604A Section 2, which prohibits a consumer reporting agency from furnishing an account without my written instructions.

15 USC 1681 ( a ) ( 4 ), which emphasizes the need for consumer reporting agencies to exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.

15 U.S.C. 1681c ( a ) ( 5 ), which limits the reporting of adverse information to items that antedate the report by more than seven years, excluding records of convictions of crimes. 

I respectfully request that you instruct XXXX, XXXX, and Transunion to honor my request for the deletion of all personal identifiable information from my consumer credit report, as per my rights under the Fair Credit Reporting Act and related statutes. 

Thank you for your attention to this matter. 

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

in accordance with the fair credit reporting act # numbers XXXX XXXX XXXX have 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 states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Citi Bank-Direct. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within XXXX 10 XXXX ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction XXXX XXXX ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
Product: Checking or savings account

We are a retired couple, XXXX residents currently, living in XXXX, relying on social security as sole means of support. 
Beginning late summer XXXX, we were repeatedly hit with phone text messages from Bank of America alerting us of attempts to transfer money out of our Bank of America XXXX account. At each instance, we immediately called in to the bank to confirm our account was safe. 

In late XX/XX/XXXX, we received an INCOMING PHONE CALL from a bank XXXX XXXX Bank of Americas customer service telephone phone number, which number my wife has in her phone contacts ( XXXX ) XXXX. ( She worked many years for Bank of America in Maine and Florida. ) This self-identified Bank of America XXXX offered to help stop attempts to permit future unauthorized transfers and walked us through the required steps. 
We asked and got his proper name and that of his supervisor, but we did not disconnect and call back to confirm identities. THIS WAS AN INCOMING CALL FROM THE BANK CUSTOMER SERVICE CENTER MAIN TELEPHONE NUMBER. 
This individual recited deposits and debits to our operating account and knew our savings account balance to the XXXX. 
He recommended we change our account passwords but cautioned that we wait XXXX hours before making the changes to confirm the fraudulent transaction was stopped. 
Wanting to confirm our savings account funds were safe, we called Bank of America fraud department the very next morning only to learn our funds were, indeed, fraudulently taken from our account. Weve since learned from Bank f America the recipients name , street address ( but not city/town ) in GA and the receiving bank ( XXXXXXXX XXXX XXXX XXXX THE SCREEN SHOTS FROM OUR CELL PHONE ARE ATTACHED TO THIS COMPLAINT, ALSO ATTACHED IS THE CONTACT INFORMATION FOR OUR BANKING CENTER MANAGER WHO ATTEMPTED TO REMEDY THE FRAUD FOR US. 


We reported the incident to the XXXX, XXXX XXXX XXXX. We have also contacted the Maine XXXX XXXX XXXX XXXX. ( While very concerned about the incident happening to ME senior citizens, we were informed the agency had no authority with out-of-state federally-regulated banks. ) We have since been informed in writing that Bank of America told us the incident was not their problem and they could no longer be of any help.
Product: Checking or savings account

Hello, I had a XXXX policy that paid XXXX that was deposited into my savings account, and upon looking over my financial records to see how funds were dispersed, I noticed that the money was not all withdrawn by me, but I can not account as to where it went. I would hate to think that someone at my local branch went into my account but that is very possible. I feel as if there was money stolen out of my account at the time that the XXXX was deposited into my account in 2022. I have made several calls to this location, and even took off of work to sit down with someone to no avail. I was told I needed to make an appointment for that type of inquiry, and my employer does not allow a lot of time to take off of work. I have been unable to get any one to call me back since last yeat 2022.
Product: Credit reporting or other personal consumer reports

Due TO THE NEGLIGENCE OF XXXX, EQUIFAX, AND XXXX ALIKE, FOR SUPPLYING MY PERSONAL INFORMATION TO OVER XXXX!! XXXX XXXX AFFILIATES, COMPANIES, EMPLOYERS, ALL OF WHICH I THE CONSUMER DID NOT AUTHORIZE, WRITTEN, NON-WRITTEN, VERBAL, NON-VERBAL OR ANYTHING THEREOF! PROTECTION OF NON-PUBLIC PERSONAL INFORMATION WHICH STATES : I DEMND THESE BE REMOVED AS WELL AS COMPENSATED XXXX $ PER INQUIRY AS FOR PRIVACY VIOLATIONS WHICH FALLS UNDER FEDERAL LAW. 

I HAVE BEEN DENIED AND TURNED AWAY FROM PREQUALIFIED SOFT PULLS DUE TO THE IRRESPONSIBLE ACTS BY THESE PRIVATE CORPERATIONS. SO MUCH I ALMOST LOST MY CHILD BY NOT BEING ABLE TO GET A VEHICHLE DUE TO THESE OUTSTANDING ABOUT OF PERSONAL DATA LEAKED BY THE PRIVATE CORPORATIONS. 


XXXX XXXX XXXX XXXX - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section XXXX ( a ) of this title, other than the XXXX XXXX XXXX XXXX XXXX, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( XXXX ) to insure the security and confidentiality of customer records and information ; ( XXXX ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Product: Credit reporting or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance XXXX {$560.00} XXXX  XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$440.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$940.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} XXXX  XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX