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

I am a victim of identity theft resulting from the XXXX data breach ( XXXX XXXX : XXXX ) reported in XXXX. On XX/XX/XXXX, I discovered multiple fraudulent accounts on my Experian and XXXX credit report that I did not authorize or open. These accounts are directly related to my compromised information from the XXXX breach. 

XXXX XXXX ( Account XXXX ) : New Fraudulent Charge, {$4200.00} balance XXXX ( Account XXXX ) : New fraudulent charge of {$6000.00} XXXX CARD ( Account XXXX ) : New fraudulent charge of {$6100.00} Actions Taken to Protect Myself I have taken the following actions to protect myself and to report the identity theft : Filed identity theft reports with the FTC ( Identity Theft Report # XXXX ) Placed fraud alerts on my credit reports with all three major credit bureaus Frozen my credit reports with all three major bureaus Currently in the process of filing a police report Legal Violations Experian and XXXX 's Violation of 15 U.S.C. 1681c-2 Under this statute, Experian and XXXX are XXXX to block the reporting of any information identified by the consumer as resulting from identity theft within XXXX business days. However, Experian and XXXX has failed to remove the fraudulent items on my report, even after XXXX  days, in clear violation of the law. 

Experian and XXXX 's Violation of 15 U.S.C. 1681b According to this statute, a consumer reporting agency may only furnish a consumer report with written instructions from the consumer. I never authorized or consented to the reporting of these fraudulent accounts, which violates my rights as a federally protected consumer. No consent is given in cases of identity theft. 

XXXX XXXX and XXXX Violations XXXX and XXXX have both charged off the fraudulent accounts. Under the IRS regulations ( specifically Section 6050P of the Internal Revenue Code ), once a debt is charged off, the lender must issue a 1099-C to the debtor and should cease collection efforts. As these accounts are the result of identity theft, I should not be held liable, nor should these debts be reported on my credit. The presence of these charged-off debts on my credit report is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. ( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( XXXX, XXXX, AND EXPERIAN. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE. ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT '', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION. ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. XXXX, XXXX, EXPERIAN, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, XXXX, XXXX, EXPERIAN, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE.
Product: Credit card

On XX/XX/24 I submitted a complaint to Vanilla Gift, via their website, regarding a gift card that was purchased as a XXXX gift. The giftee had attempted many types of transactions, many times, and the card was declined every time even though it showed it had the full amount available and was active. After filing the complaint, when returning to the complaint page, it said the card had been cancelled and a new one had been sent. It also said to check my email for details. I never received the email and never received the replacement card. After that I sent emails to the email address that was on that site, XXXX, but never received a response. I proceeded to file a complaint with the attorney genereal of Minnesota and the XXXX  department of XXXX, and was pretty much ignored by both despite numurous calls and requests for information. 

Can you please help us get our {$80.00} back? This is not the only gift card that was purchased but unfortunately many of the giftee 's simply threw their cards away when they did not work. At this point I would rather have the money back and not a replacement card. It has been a long time since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was recently hacked and I 've been told that I may be a potential victim of the data breach. Equifax did not proactively inform myself or other victims about the breach. I was able to use a tool to find out if I was affected after reading a news report that directed me to the tool.
Product: Credit reporting or other personal consumer reports

Ive been trying to clean my credit file up with the mess thats been happening due to identity theft not one company is being compliant except XXXX I really really need my credit file cleaned I filed FTC reports Police reports and Multiple Complaints here. Im attached my reports to this complaint to have my accounts removed multiple inquiries and accounts were open I paid away some but some I cant bare to keep letting it affect me because of the bad people in this world
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after June 20. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1300.00XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXXBalance : {$560.00} XXXX XXXX XXXXBalance : {$940.00} XXXX  XXXXBalance : {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$1000.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$1300.00}
Product: Credit reporting or other personal consumer reports

I received an alert on my credit report in regards to a new account I never opened in which I hadn't. I've never applied for or accepted an offer with XXXX XXXX XXXX XXXX and I would like them removed off my credit report. XXXX XXXX XXXX XXXX is in violation of the law and should be reported to the FDIC as their violating consumer and credit laws. I'm asking for XXXX XXXX XXXX XXXX to provide a contract that shows that I have provided an application or have accepted an offer from them as I have not. I won't them deleted off my credit report. 

I've disputed this information with the credit bureaus and I've asked the company cor a cease and desist and they keep contacting me which lawis a violation of the. 

According to XXXX XXXX XXXX XXXX G I'm entitled to a history of payments paid by me as the keep stating I gave an account with their company as I have never never done any business with this company. 

I would also like to see my signature on this account guaranteeing I would pay this creditor. 

I'm asking has there been any insurance claim found on this debt. 

I want proof on a change of title that you can collect on this debt. 

XXXX XXXX is stating I owe them a debt and I have received a welcome letter they received on a previous complaint. XXXX XXXX didn't have my email and this is notification of a cease and desist. 

On a previous complaint they stated they sent a welcome letter which was terms and conditions of whatever fraudulently product the have on my credit report that needs deleted. 

I've never done business with this company and if they continue to report on my credit report they are in violation of the law and I'm entitled to {$1000.00} per violation. 

XXXX XXXX needs to delete delete any and all information that is related to them and if they refuse I will use all laws applicable to me and sue. 

The documentation I've uploaded came from XXXX XXXX in which they state is a welcome letter in which it is not.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Whom It XXXX Concern : I am writing to dispute an unauthorized inquiry that appears on my credit report, which is a clear violation of 15 U.S. Code 1681b. This law strictly governs permissible purposes for accessing a consumer 's credit report, and inquiries without my explicit consent are not compliant with federal regulations.

According to 15 U.S.C. 1681b, consumer credit reports can only be accessed under specific, legally defined circumstances such as a consumers application for credit, employment purposes, or other permissible uses with proper authorization. I did not initiate or authorize this inquiry, and its presence on my credit report is both inaccurate and a violation of my consumer rights. 

I kindly request that you : Investigate this matter promptly. 
Remove the unauthorized inquiry from my credit report. 
Provide me with an updated copy of my credit report reflecting the correction. 
I have attached a copy of my photo ID and proof of address for verification purposes. 

Thank you for your prompt attention to this matter. I look forward to your response and the resolution of this issue.

Additionally, this situation violates several federal laws that protect consumers, including : 15 U.S. Code 6801 Protection of Personal Information : Requires financial institutions to protect the security and confidentiality of consumer personal information.

15 U.S. Code 6802 Obligations Regarding Disclosure of Personal Information : Mandates that institutions must notify and obtain consent before disclosing non-public personal information.

15 U.S. Code 6803 Disclosure of Privacy Policies : Requires institutions to provide clear and accurate statements of their privacy policies.

15 U.S. Code 1681e ( b ) Accuracy of Credit Reports : Ensures consumer reporting agencies must adopt reasonable procedures to ensure maximum accuracy of the information in consumer reports.

15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of Certain Transactions from Credit Reports : Specifies that certain types of consumer transactions must not appear in credit reports.

18 U.S. Code 1028A Aggravated Identity Theft : Criminalizes identity theft and imposes severe penalties for using someones identity without authorization. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX I saw on my XXXX  report that a hard inquiry was made by Capital One bank. I did not authorize this inquiry or apply for credit. I reported this as fraud to experian and they advised me to call capital one and do the same. I called capital one and got in touch with their application department. There was a pending online application using my name and ssn. I told them this was fraud and they marked it as fraud and cancelled the application. Application ID at Capital One bank is XXXX phone number to application department was XXXX. I reported this to XXXX XXXX XXXX XXXX and they advised me to file a complaint with you.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I encountered a billing error and never received the correct billing statement, which caused confusion about the payment due date. Additionally, the late payments notices arrived after I had already made the payment. 
There was also a clerical error where my payment was applied to the wrong account, causing a delay in processing. 
I provided bank statements, payment confirmations, and proof of the communication with the creditor where these errors were acknowledged. Despite providing this evidence, the late payment was incorrectly recorded on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I have paid off my account which is now a XXXX balance. The last reporting on my credit report is showing that I owe more than {$1900.00} XXXX  and XXXX XXXX  Account ( XXXX XXXX ; Main account holder and fiance ) ; Account # XXXX. Please rectify this issue to show a XXXX  XXXX  and that I am in good standing with a XXXX  balance. XXXX stated that there was an error per phone call ( which is FCC regulated and confirmed via recording ), according to the Fair Credit Reporting Act. Please fix this issue immediately as I am buying a new home and this has negatively impacted my score to do so due to the debt to income ratios.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting by Department of EducationXXXX on My Credit Profile Dear Consumer Financial Protection Bureau , I am reaching out to request assistance with a credit reporting issue concerning the Department of EducationXXXX . My credit report shows inconsistent and incorrect information across the three major credit bureaus regarding the same account which is negatively affecting my credit profile.

The inaccuracies Ive identified are as follows : 1. **Inconsistent Payment Status Reporting** : The account reports as current/terms met in XXXX and XX/XX/year>. However, in XX/XX/year>, it suddenly reports as 90 days past due, without prior indication of delinquency, which seems inaccurate given that XXXX and XXXX were marked as current. 

2. XXXX 2018 XXXX Late Reporting** : Similarly, the account reflects a XXXX late status in XX/XX/year>, despite reporting current/terms met both prior to and following this date. This inconsistency appears to be an error, as there is no logical progression to 90 days past due under these circumstances. 

3. **Discrepant Balance Reporting** : Each bureau is reporting a different balance for this account, with one showing {$2000.00}, another {$2500.00}, and the third {$1000.00}. The account was, in fact, paid in full and closed, and therefore, no balance should be reported at all. 

4. **Account Still Hurting My Credit Profile** : Since the account has been paid and closed, I am unsure why these negative marks remain on my report. The false late payments are particularly harmful to my credit profile and should be removed.

For a fair resolution, I respectfully request the CFPBs assistance in : 1. Having the Department of EducationXXXX correct or remove the inaccurate payment statuses, specifically the XXXX late entries in XX/XX/year> and XX/XX/year>, as they do not align with the account history. 
2. Removing any remaining balance from all reports, as the account is paid and closed.

3. Ensuring that my credit report accurately reflects a closed, paid account without late payment history, as any incorrect delinquency reporting is unjustly impacting my credit score.

Thank you for your time and assistance with this matter. I hope to reach a prompt and fair resolution. 

Sincerely, XXXX XXXX
Product: Bank account or service

Someone accessed my account and tried to deposit XXXX checks in to my accounts. XXXX were tried to put in checking and XXXX in savings. Bank of America allowed the person to withdrawal {$1500.00} from my savings account on the day it was put in the account and a transfer was tried for {$800.00} the same day. I filed a fraud claim and claim for my card being stolen, and they said I was the one who allowed someone to access my account which is false because they used a mobile app to deposit the checks. I have only used this method once over a year ago too deposit a paycheck from XXXX. They said the checks where deposited in XXXX but XXXX was deposited XXXX and XXXX XXXX. They will not send me my bank statement for the month of XXXX and they will not allow me to access the account.
Product: Checking or savings account

To whom it may concerned, I XXXX XXXX was looking for work through indeed. I have gotten contacted for a job through indeed and went through the whole process and actually got it. Was working with them to end up getting scammed. All my money in my bank account ( savings ) was taken and they put me thousands into the negative / red.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm being brief but my credit score has drastic changes in the negative direction but is extremely slow to recover. In most if not all cases I pay several times the minimum bal due and always on time. Most recent a 60 Pt. drop and the reason is a XXXX increase bal. on a XXXX card that is the whole bal on the card. In addition I just paid XXXX on that card to bring that down well below XXXX it is a new card as well I just paid XXXX on XXXX XXXX and XXXX on XXXX XXXX  ..dropped my bal days ago by XXXX!!! so they crank it down to slowly bring it up again always keeping me at a higher rate..point is MY CREDIT IS FINE.. WHY AM I BEING TARGETED TO HAVE A MARGINAL CREDIT SCORE AND THE AGENCYS ARE REPORTING INACURATLY!! WHO ARE THESE PEOPLE!! now I have called before only to be told I need a credit counselor with a very rude reply. there is no way a persons credit can drop so fast. IF the agency report inaccurately what can be done. I worked hard on keeping my score good and this is just a bunch of XXXX
Product: Credit card or prepaid card

Wells Fargo handles XXXX 's card services. I paid my account in full, XXXX 's aka wells Fargo drafted my account for an additional {$29.00} which caused a credit. I requested a refund which they did to my account. They then mailed a check which I threw away because my account was credited. I now am being charged XXXX on my account again because they want me to cash a check I don't have. I have called several times. I received a letter asking me to deposit a check I don't have. I don't owe well Fargo anything. Please HELP
Product: Credit reporting or other personal consumer reports

Early Warning Services LLC is operating outside of the scope of Regulation P - Privacy of Consumer Financial Information and are acting in willful noncompliance with 12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods. I have given notice of my intent to Opt-Out but Early Warnings is stating that they do not have to compile with the Federal Law or the Grimm-Bailey-Lynn Act. The Constitution does not allow for a public company to profit off my private information without providing just compensation. That just compensation is a usage fee of {>= $1,000,000} per month that Early Warnings will be indebted to my Estate for the use of my private financial information in commerce to make a profit of which I see no benefit from. 

Notice liability is also being sent via Certified Mail to the main corporate address. Early Warning Services LLC doe not have my authorization or consent to sale, report, trade, profit in any way off my private financial information. Continuing to do so is unauthorized use and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX to the credit Bureau to investigate into some items on my report. They have still not sent anything back from XXXX of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Last XXXX SSN : XXXX Date of birth ; XXXX Address : XXXX XXXX XXXX XXXX, CA, XXXX I received a letter from EQUIFAX Information Services LLC on XX/XX/scrub>XXXX XXXX XXXX they're saying they could not verify my information. They said they need more identification. However, I submitted that already. I just want them to investigate the accounts. I have attached the letter that has all the accounts I want to be investigated.
Product: Debt or credit management

Back in 2016 I wanted to clean up my credit so I signed on with Lexington credit just to find out all the payments I was making my credit score never changed
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance {$150000.00}
Product: Money transfer, virtual currency, or money service

A total amount of {$1100.00} XX/XX/2021 to settle accounts with Acima Credit. After accounts was paid Acima refuse to release a financial statements showing proof of payments. Recently I've requested XXXX XXXX for the XXXX accounts paid off. Acima has yet to release the documents to be filed along with XXXX to avoid any mishaps. Acima stated I needed to check my spam. I did several time nothing has been done. The actions of Acima cause credit score to stay low for the pass year by refusing to update credit file. All credit bureaus has been sent proof no actions has been taken by no one. Its unfair to me as the consumer to have to fight for my personal profile to be updated thru Acima. This is something that should have been reported at the time of payment. Acima has intentionally caused damage to credit. XXXX. XXXX # XXXX XXXX # XXXX