23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX XXXX. 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
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have been disputing for 6 months and this company has broken several FCRA violations. This company has sent STALL LETTER AFTER STALL LETTER AND OFTEN JUST IGNORED DISPUTES! Instead of addressing the actual problem which is another FCRA violation. I will be filing an additional compliant with the XXXX  and XXXX! The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the SEVERE financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the numerous unsuccessful attempts to remove fraudulent items from my account with your institution. Despite multiple notifications and requests for assistance, I have encountered significant challenges and delays in resolving this critical issue, causing considerable distress and financial harm. 

I would like to highlight the following concerns regarding the handling of this matter : Inefficiency and Delay : Despite providing all necessary documentation and evidence of the fraudulent transactions, the process of removing these items from my account has been unduly prolonged, resulting in prolonged exposure to financial risk and uncertainty. 

Lack of Communication : Throughout this ordeal, there has been a glaring lack of communication from your institution, leaving me uninformed about the progress made in resolving the issue and exacerbating my anxiety and frustration. 

Failure to Take Prompt Action : The failure to take prompt and decisive action to address the fraudulent activity on my account reflects poorly on your institution 's commitment to safeguarding the interests of its customers and upholding the principles of integrity and security. 

Financial Consequences : The presence of fraudulent items on my account has had severe financial consequences, including unauthorized charges, overdraft fees, and potential damage to my credit score, which could have been mitigated with timely intervention from your end. 

In light of the above, I demand immediate action to rectify this situation and ensure the prompt removal of all fraudulent items from my account. Additionally, I expect compensation for any financial losses incurred as a result of the unauthorized transactions and the inconvenience caused by your institution 's failure to address this matter expediently. 

Furthermore, I urge you to conduct a thorough review of your fraud detection and prevention protocols to prevent similar incidents from occurring in the future and to enhance the security of your customers ' accounts. 

Please acknowledge receipt of this complaint and provide a timeline for resolving the issue. I expect regular updates on the progress made until the matter is satisfactorily resolved. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$6200.00} XXXX  XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX Balance : {$6200.00} XXXX  XXXX XXXX Balance : {$720.00} XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX XXXX : {$6200.00} XXXX  XXXX XXXX Balance : {$720.00} XXXX  XXXX XX/XX/year> XXXX  XX/XX/year>.
Product: Credit reporting 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 inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

This creditor is attempting to illegally reage this account. Last payment shows made XX/XX/XXXX, this false. 

One Account Shows past due amount of {$1900.00} on a charged off account, closed date says XX/XX/XXXX, last payment XX/XX/XXXX. 

Second Account Shows past due amount of {$1600.00} on a charged off account, closed date says XX/XX/XXXX, last payment XX/XX/XXXX. 

Third Account Shows past due amount of {$1900.00} on a charged off account, closed date says XX/XX/XXXX, last payment XX/XX/XXXX. 

All of this information is false. 
No 2yr payment history is reported on XXXX so how was this account legally verifed as accurate?
Product: Debt collection

In XXXX, I sent a debt verification letter to Portfolio Recovery to verify a debit they are reporting to the bureaus. There was not a inclusion of a written agreement and/or contract, but instead a bill. 

On XX/XX/2022, XXXX MST I called Portfolio Recovery. Im expressed my concerns over the documentation I received to a representative. She expressed that she was not able to understand the subject matter and transferred me to and a manager. After communicating my grievance to XXXX ( manager ), he informed me that I was bound by my social number. I told him that they didnt send me any verifiable information other than a bill to link me to the account and it was illegal for them to report to the credit bureaus. He stated 3 times that they would send me more information and documentation. I immediately informed him that we now have much larger /significant issue because they were supposed to send my all of the requested information. I also told him that I wanted a copy of the recorded line for admitting to retaining information needed to prove it was not me. He denied my request and stated we will agree to disagree ; call back tomorrow and talk to the dispute office. And forced an end to the conversation. 


This company is violating my FDCPA rights ( 1 ) for reporting to the bureaus without any verifiable proof the account belongs to me and ( 2 ) for withholding requested information
Product: Credit reporting, credit repair services, or other personal consumer reports

Found : Social Security Number Potentially Breached Site : XXXXXXXX - breach occurred in XXXX, XXXX On XX/XX/XXXX, XXXX announced that all XXXX locations, POS and gas pumps were potentially affected by a malware data breach that exposed customer payment card information between XX/XX/XXXX through XX/XX/XXXX. 

Connects XXXX takes the security of your funds seriously. Your card has been identified as a compromised card that was used at XXXX during the data breach. 

on XX/XX/XXXX XXXX, we found your Social Security number on a Dark Web site View Details Your Social Security number has turned up on one of the thousands of Dark Web sites we monitor each day for you. This activity does not necessarily mean that you are the victim of identity theft, but your personal information may be vulnerable.
Product: Checking or savings account

They responded to my previous CFPB complaint with a letter addressed to someone else about a completely unrelated complaint. They have not responded to my complaint and now ( because they submitted this unrelated letter in response to my CFPB complaint ) my previous complaint is now closed. This relates to XXXX that was missing in a botched electronic transfer on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX XXXX, XXXX My Father was XXXX XXXX XXXX . He passed away XX/XX/XXXX. 
Our company XXXX XXXX , XXXX has a XXXX XXXX XXXX Charge Card since XXXX. I  took over as the Primary Responsible party after his passing. 

8 months ago ( XX/XX/XXXX ) XXXX first suspended my XXXX XXXX XXXX XXXX account stating I was deceased based on a report from Experian. They have subsequently reinstated it various times. 

XXXX says they are only reacting to Experians Monthly Electronic Filing that updates them every 30 days. 

XXXX says that the monthly Experian report shows the FICO Score and other derogatory notes like bankruptcies or in my case a score of 1 that indicates deceased. 

XXXX Told me to request a long form credit report and Experian gave it to me. I also spoke to specialists at Experian. According to Experian, No noticed associations with XXXX XXXX, XXXX or mixed SS # s/DOBs appear on my Credit Report Spoke to Experians special consulting department again on XX/XX/XXXX who reassured me there is no indicator of me being deceased on my report or associated w/ My deceased Father. 

In the meantime, I view all 3 bureau credit scores on my own that are over 800 and have purchased 2 cars and received a credit card line increase in the same period. 

ONLY XXXX has an issue with my credit report according to what they claim Experian is sending them- While Experian states nothing is showing on their end. 

I don't know what else to do to resolve this issue with XXXX. I have consulted all 3 Credit Bureaus multiple times for hours and hours over the phone, received credit reports and noted every item is correct. Until this is resolved, XXXX could suspend my XXXX XXXX account which would impede the way our business runs as we use this card for several recurring monthly charges and subscriptions. 


If necessary, I can be reached at XXXX. 

Thanks, XXXX XXXX XXXX, XXXX.
Product: Credit card or prepaid card

I have an XXXX XXXX XXXX XXXX XXXX that is offered by Barclays US. There is a {$99.00} annual fee that has been presented to me in writing as a fee that supports Barclays ability to offer the benefits the card provides. Those benefits are clearly published in Barclays ' marketing materials and almost all of them involve air travel ; therefore the cardholder 's ability to utilize said benefits is predicated on the ability to travel. Due to the Covid-19 pandemic air travel was not feasible over the last year and other banks that provide airline credit cards either waived or reduced the annual fee. A good example of this is XXXX XXXX other credit card partner, XXXX, which did reduce the annual fee. Barclays has refused to do so and thus is collecting a fee for a benefit it knows can not be exploited. This feels fraudulent at best.
Product: Credit reporting or other personal consumer reports

This account was discharged in XXXX XXXX Order of Discharge that has been furnished multiple times to credit card company and to equifax, XXXX  and XXXX credit bureaus.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I filed a dispute with Equifax about an account that too old to be listed on my credit report and requested deletion from my report. The resulting investigation returned as verified and an updated account balance. The account in question no longer appears on my reports from XXXX or XXXX, having aged out.
Product: Credit card

I had XXXX credit cards with Capital One at an introductory rate of 12.99 %. I have had them for several years but I recently paid them off and kept receiving bills for interest charges at a rate of 25.93 %. They would not reduce my rate below 20 % and said they could not lower it below the introductory rate. When they checked the introductory rate they told me it was 22 % which can not be true as I do n't use credit cards that often and certainly am not going to pay that kind of interest. I believe Capital One is being unfair in their interest rate practices. I paid these cards in a timely manner and always paid more than the minimum due? Changing interest rates at random should not be allowed. They do n't put a note on your bill telling you your interest rate has changed. They just change it. With the prime rate being low these credit card companies should not be allowed to charge this kind of interest. I have paid and cancelled these cards. They will no longer be able to rake me over the coals with their high interest rates.
Product: Mortgage

I closed on my property XX/XX/XXXX. There was excess interest that was collected and {$550.00} is owed back to me. I called on XX/XX/XXXX inquiring where the check was and was told it was mailed back in XXXX. Called again XX/XX/XXXX and again was told another check would be sent. Tried calling again today, 30 minutes on the phone and they have no answers. My mortgage statement never had a problem making it to my mailing address on time, so why hasn't the check been returned? Please help. This is with SLS Servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$970.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$730.00}
Product: Student loan

XXXX XXXX Aidvantage XXXX I started college in XXXX, some of my loans are over 30 years old. There is more penalty and interest now than principal. I am an XXXX and am often unemployed. I can not repay the debt because it has doubled and tripled in size. I am going to be retirement age soon.
Product: Credit reporting or other personal consumer reports

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account XXXX - XX/XX/2023 Last 4 digit XXXX : XXXX
Product: Mortgage

We our a military family who is executing XXXX XXXX. We opted to short sale our home due to the market in our area. We put our home on the market in XXXX with an offer in XXXX. The bank dragged their feet, repeatedly told us they did n't receive paperwork when I would receive a confirmation email, which I still have. Also, our relationship managers were unavailable, had full voicemails, and would n't return calls or emails. We are now on our XXXX relationship manager. Now, just recently they closed out our short sale due to improper paperwork, which is false. After, speaking with the default department we had to resubmit everything from day XXXX. Now they just reopened our short sale and our time is running out due to the move, XXXX XXXX, 2015.
Product: Credit card or prepaid card

Credit card opened fraudulently in my spouse and is name, contacted discover to report the issue Discover continues to email me constantly telling me I owe them money or they will send it as a charge off My wife is an authorized user This account was not opened by either of us The accounts that are ours, is 2 checking account and 2 savings account. Wife has 1 credit card. I am not an authorized user.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is more than 7 years old and should have been deleted last year. 

1. XXXX XXXX XXXX Last reported XX/XX/XXXX {$26000.00} Reported balance 2. XXXX XXXX XXXX Last reported XX/XX/XXXX {$4900.00} Reported balance These inquiries I did not authorized. 

Inquiry details XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  from XX/XX/XXXX Auto Financing XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX Auto Financing XXXX XXXX  Inquiry from XXXX XXXX, XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXXAuto Financing XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing
Product: Debt collection

Got a voicemail on my cell phone last week while I was working from an individual named XXXX XXXX calling from a company called XXXX. He mentioned also in the voice mail that I had to call him regarding a serious concern regarding a client who was referred to his office and that theyre offering me to do a statement from me or my attorney. And if I didnt call him back they were going to take further action without my input. He never identified himself as a debt collector or said it was an attempt to collect a debt on the voice mail so it left me wondering. He just identified himself as an advisor. 

I called to leave a voicemail asking what it was in reference to and what is this XXXX  company about. He called and left another voicemail stating that due to privacy laws he cant state specifics via voicemail. 

So I called back on the next business day and Mr. XXXX answered. I asked him what he company was and he just said its called XXXX, and that its a prelegal collections company. He didnt state it was an attempt to collect a debt, they just straightforward said that they wanted me to pay a debt from a payday loan that was 8 months old. They demanded payment upfront and I couldnt pay. They said that they can do a payment plan. I told Mr. XXXX that I can agree to a payment plan but that I will manually call to pay via phone or mail in the payments. Mr. XXXX stated that there was no option but auto pay because the account was 8 months defaulted, and was persistently saying that only autopay was the only option now. And he then asked for my card information and I honestly felt coerced to give him my information due to fear of legal action. I never received a letter from this collection company before. I have been a victim of fraud before and I was very hesitant to give them my information. I also asked for the company address and Mr. XXXX was hesitant to say it, he just said it was located in XXXX, NY. 

I was then transferred to another person who got my payment details and emailed me a schedule of payments that I had to sign online and email back. I havent signed the documents yet because I dont feel secure that this a legitimate company because their actions and practices raised red flags to me. 

I then called my law firm and spoke to them regarding what happened and they initially looked into it and. They discovered that he company was not located in XXXX, NY, but in XXXX NY. And also they discovered that their website features an online portal to Pay and that it didnt matter how old the debt is, that they shouldve offered me options to pay, not just with autopay. They also said that I shouldve gotten a letter beforehand but I never did. The law firm called the same number to verify if this a legitimate company and the same number Mr. XXXX called me from and had his voicemail on, and another person with a different name answered. They are going to look further into this matter and they suspect it could be a fraudulent company. I fear now that they can use my account information. Online they are under the name XXXX XXXX XXXX, not XXXX. They never mentioned to me it was called XXXX XXXX Solutions
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to TRANSUNION and to XXXX XXXXXX/XX/XXXXand notify them of their error posting of information on my report. I was never late on this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.