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

I am writing to notify you that I am a victim of a data breach and identity theft. I request that the following fraudulent accounts and inquiries be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to remove a XXXX  XXXX bank card that does not belong to me, i have disputed that account as fraud several times as not mine and Transunion continues to violate FCRA laws that requires a Credit reporting agency to investigate and validate the accuracy of a disputed account and remove the account from ones credit file until the investigation is complete, this XXXX  XXXX bank card was removed from my XXXX credit file on XX/XX/2018 and it was removed from XXXX because it could not be verified or validated. 

Transunion continues to violate FCRA and is using an automatic system and not a physical person to check documents pertaining to disputes, Transunions has continued to us an automatic system that has allowed a fraud account to stay on my credit file. 

XXXX and XXXX has already removed XXXX XXXX bank account from my credit file, because it couldn't be validated, This means either Transunion is either using an automatic system or knowing leaving a fraudulent account on my credit file. I have the confirmation # and day that both XXXX  and XXXX removed XXXX XXXX back.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accountsas unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

IQData has made a claim of debt owed under my name. Mutiple calls to IQ Data with request of debt verification were met with sarcasm and long hold times by a man who identified himself as XXXX and claimed to be in charge of my file. 

To date, IQ Data has not sent documents with debt verification to the address which I have provided them with. I did learn that they had sent documents to an address which I do not live at.
Product: Checking or savings account

I have attempted for months to close my account which this bank compromise my security. I've tried for months, now they are charging me fees. I want this acvount closed and have no apparent route to do so. I can no longer seem to log into my acvount either. The call center are way too sensituve and wait with their finger on the hang up button. They are completely unprofessional.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the XXXX, Experian, and XXXX data breach, which adds to my worries about the safety of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX I've sent disputes regarding to those unknown and inaccurate accounts on my credit report its over 30 days but I haven't received any response. I am a victim of XXXX Data Breach. I Demand to DELETE those accounts ASAP or I will file a litigation.
Product: Debt collection

Today I realized that around {$6000.00} USD was withdrawn from my account from a law firm called O & L Law Group on a Legal Order. I have no idea what this debt is about. This company nor another agency has contacted me about this debt. If it is mine, I am willing to have set up a payment plan. Now, I have no money on my bank account, and I don't even have money for rent, food, or gas. This type of action shouldn't be legal. Please help. 

Also, I have received 2 letters from different companies that I have applied for loans which I have not. I am not sure if this is all connected. 

This is the law firm website : http : //www.ollawgroup.com/ These are the other two companies saying that I have applied for loans : Prosper XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Plus XXXX XXXX XXXX XXXX, AZ XXXX
Product: Checking or savings account

My card was used fraud and 3 charges totally {$700.00} was charged to my account. I sent them a dispute letter twice and have called everyday for an update since the XX/XX/2024. 

the fake charges were XXXX {$170.00} XXXX {$500.00} XXXX XXXX {$15.00}. 

They have a policy that if they cant solve it in 10 days they provide provisional credit and they havent. They give me the run around and even asked me if i sent the dispute letter!!! They wont let me talk to the dispute center.
Product: Checking or savings account

I've been a victim of a massive identity theft and have provided all asked for and required documents and they have still not reopened or refunded my money
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am writing to formally dispute the reporting of student loan accounts on my credit report. These accounts are inaccurate and unenforceable due to severe legal violations involving breaches of privacy and federal law, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act. 

It has come to my attention that my personal information associated with these loans was improperly accessed by unauthorized third parties, including XXXX XXXX and/or his affiliated entities. This unauthorized access constitutes a breach of my privacy rights and voids the validity of these debts. 


Legal Basis for Removal : XXXX. FERPA Violation : The improper handling and unauthorized disclosure of my educational and financial records violated FERPA regulations, which protect the privacy of student loan borrowers. 
XXXX. Privacy Act of 1974 Violation : The exposure of my personal information contravenes the protections guaranteed under the Privacy Act, requiring federal contractors and loan servicers to safeguard borrower information. 
XXXX. Breach of the Higher Education Act : The mishandling of my student loan information and unauthorized transfer without proper consent breached federal obligations to maintain the integrity of educational loan servicing. 

Given these violations, the continued reporting of these accounts is inaccurate and harmful to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX # XXXX, has violated my rights. 
ACCOUNT NAME : XXXX  XXXX # XXXX, has violated my rights. 
ACCOUNT NAME : XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX # XXXX, has violated my rights Account name : XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX # XXXX has violated my rights This information is not only inaccurate but an extreme hindrance on my current journey. This is preventing me from getting a new credit card, qualifying for a new home or car purchase for myself and my family, as well as not allowing me to qualify for funding on my current business endeavor. 

15 USC 1681 section 602A states I have a right to privacy.

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

15 USC 1681c. ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions, of crimes which antedates the report by more than 7 years.

15 USC 1681 s-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 card or prepaid card

In XXXX XXXX I received a bill from CITI AADVANTAGE Platinum Select Card for what appears to be a yearly fee. I have not worked with this company to my recollection, was not aware I had this credit card, did not possess the credit card, and do not want the credit card. I called to ask them to cancel the card and they asked for a lot of personal information. Since I did not remember asking for the card in the first place, I did not want to give out personal information. They said they could not help me. I received another bill in XXXX XXXX for the same amount, and so I wrote a letter to them asking them to cancel the card and close the account. They responded to my letter by saying that I was responsible for the card. I then received letters from them that my account may be compromised. 

I just want them to cancel my card and leave me alone.
Product: Credit reporting or other personal consumer reports

I recently submitted a dispute inquiring about the completeness and accuracy of an account on my credit report. They clearly failed to conduct a reasonable investigation. I have reason to believe this information on my credit report is still reporting inaccurately and incomplete. This is causing me a lot of stress and I am becoming depressed. Please help me I feel like my life is ruined. 


Please understand I am a natural person and I am the one submitting this dispute. This dispute is not being submitted by a third party!
Product: Checking or savings account

I have a recurring preschool tuition charge to my Citi Priority checking account. A few business days before the XXXX monthly charge kicked in, I realized the account is a XXXX XXXX dollars short, so I transferred money from my brokerage account ( also with Citi ) to the checking account. A few days later when I followed up on the app, I realized the transfer did not go through and was nowhere to be found, so I tried again. It disappeared again, and at this point, the charge kicked in. So I got charged {$34.00} NSF fee ( which Citi later refunded ) and {$50.00} NSF fee by the school, and my balance dipped to negative. I tried transferring money from the brokerage again, and it kept showing error message 'Your request can not be processed at this time. Please try again later '. I tried transferring from my account with another bank, and got error message 'You 've reached the maximum number of accounts allowed. To add a new account, you must first delete one ', while in reality this is the first external account I have. I don't want the overdraft status to be reported to XXXX ( or whatever bank activity reporting system ) and get ding'ed in the future. I have many incidents with Citi before, and it's truly the worst. 

Account transfer reference number ( I forgot to take the first one, but did have pictures of the next two once I realized the first one disappeared ) : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX   XXXX  XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
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. 



XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 an 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: Vehicle loan or lease

Due to divorce and loss of employment I have been struggling to maintain current payments. Recently I have fallen two payments behind, every time I try to call Capital one to arrange a payment plan or some type of payment, they transfer my call to a different department where I have waited on hold up to 45 minutes without a response or being able to deal with a live representative. They also sent me an email detailing possible eligibility for options but when I call the number listed on the email, the same thing happens. Im transferred and left on hold without ETA or response from a live representative : I am unable to work anything out to resolve past due amounts if I am unable to reach a live person. I dont k ow what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a DUPLICATE complaint and this not being filed by a Credit Repair company.

In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

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 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681i. ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 1. Account Name : XXXX XXXX XXXX XXXX  Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

My information was leaked in a data breach of over XXXX XXXX people and for the past few years someone has been using my information in XXXX creating open accounts and debts that I didnt accumulate and according to 15 USC 1681 these go against my rights and I would like them to be removed. Ive been living in XXXX and have not lived in XXXX.
Product: Debt collection

U.S.C. 1681 ( 7 ) 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 sc ( 6 ) ( BY ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number Please send the following information used to validate the validity of the invalidated items below ( dismote alter and explan The name of the original creditor The creditors address and telephone number The person 's name they verified the dispute Also. the procedures vour company have in place to ensure each account is 100 % corect which i doubt. 
IF YOU CAN'T PROVE I YOU MUST REMOVE IT OR PAY 1000 per VIOLATIN YOU ARE COMMITING.

In accordance with FCRA, 15 U.S. Code 1681e ( b ) Compiance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be under 15 U.S.

16810 Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I wil have no choice but to exercise my nght under FRCA and pursue legal action.
Product: Credit card

Continue case # XXXX. CHASE keep lying to CFPB because I phoned CHASE two times on XXXX 2015 to have them to stop any payment to XXXX in case XXXX filed charges from my credit card. Each time, CHASE 's representative promised me that CHASE will block all charges from XXXX in case XXXX might charge me in the future.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} XXXX Date of Inquiry XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Year 2015 while taking engagement pictures, our car was vandalized and all personal items were stolen including car keys, please consider photos were being taken outdoors for our wedding and we could not have any of our personal items on hand. A bystander alerted us that are car had been broken into. Police were immediately contacted and a report was made. Quickly, I became a victim of fraud. 
All banks, credit cards were contacted. The occurrence became to spiral out of control as my perpetrators had access to all mail box keys and began opening new accounts, conducting unauthorized transactions, forging signatures. I was continually being taunted. 
Bank of America has stated I am held accountable for not keeping my personal items safe and reported fraud on my credit report and has continued to prevent me from having accounts.
Product: Credit reporting or other personal consumer reports

Im sending to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT # XXXX. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. Here are the list of items do not belong to me or were opened without my permission. 
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: Money transfer, virtual currency, or money service

Since XX/XX/year>, I have been seeking to transfer funds from my trading account with Blockchain.com , Inc. to my XXXX XXXX, as described on their website. Despite repeated attempts to engage with their support team over this period, my issue remains unresolved, with each response merely indicating that my concern is being worked on, without any substantive action taken. 

Furthermore, my trading account has been frozen due to my citizenship in the XXXX XXXX XXXX. I was informed that I could verify my residence in another jurisdiction by providing documentation for a bank account from an eligible country. I possess a bank account in XXXX XXXX, which should satisfy this criterion. However, despite multiple requests and the provision of this information, I have received no further response. 

I respectfully request prompt resolution of these issues to allow me access to my funds and account functionality. Thank you for your attention to this matter.