23daVinci/CFPB_Complaints huggingface dataset:
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that 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
Product: Money transfer, virtual currency, or money service

I had a phone call from someone claiming to be a technician from XXXX internet provider, they said that my IP address and other personal information had been hacked and stolen and they said they would help me to clean up the infected internet equipment including my pc they also claimed that my personal banking details may have been compromised and hacked. they connected to my computer vis any desk and after I securely logged in to my bank account, they kept distracting me so that the could steal and transfer my money from my bank into my wise.com account. 
my PC screen kept going blank so I was not able to see or know what actions they were doing on my pc, they stole more than 3000 from 2 of my bank account. then transferred the money into a bank account in XXXX. 
I still have the name of the account holder and their account details, in order to recover the money and to get their account frozen and to investigate them. 

Wise.com failed to take the necessary precautions in order to protect my money by allowing XXXX transfers to be sent and received all on the same day. they finally rejected XXXX transactions of XXXX but by this time it was already to late. XXXX have behaved are guilty of negligence and treating my account and money in an irresponsible way.
Product: Student loan

Good Evening... I am XXXX grad- student at XXXX XXXX University of the year XXXX. There had been a garnishment put on my student loan by the company NAVIENT IN XXXX. They are taking out XXXX then and now.. The amount of the loan has been met. But the company refuses to let go of returning money overdrawn now.. This amount is XXXX. The amount of my social security that I get now is XXXX the amount of increase for the new year allows me to receive now, XXXX This is the amount that is suppose to be going into the account, but is not.. The Department Of Education is garnishing XXXX still.. I tried to go into the social security office to tell them that the garnishment was still being taken.. they put it under investigation in XXXX It was found from there treasury commission office that they were at fault and needed to cease the garnishment.. But they never did.. My bank whee my deposit goes thru says that the money is being taken after it leaves the social security office.. So, please help me with this issue.. This garnishment has been taking place for over XXXXyears..HELP!!!!!
Product: Debt collection

I get repeated debt collector calls for someone named XXXX XXXX. It's all automated and I've gone through the process to have my phone number removed, stating this is an incorrect person. For months, still receiving calls that aren't for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Eq uifax Inc. 's systems were struck by a cyberattack that affected approximately 143 million U.S. customers of the credit reporting agency. Names, Social Security numbers, birth dates, addresses, driver 's license numbers, and credit card numbers were accessed from XX/XX/XXXX through XX/XX/XXXX. My personal information was included in the leak, and I was not informed by Equifax. Even though they have all of my information, no notification was received via mail, email, or phone. I was notified through a third party ( XXXX XXXX ) of the leak and am in the process of taking steps to prevent possible damage to my credit/tax information including putting a 90 fraud alert on my credit reports, updating my personal and account information through my identity protection service, and filing this report. Further Action will be taken if fraud or identity th
eft results due to this leak.
Product: Debt collection

I am a consumer and protected by federal laws. Credit Corp solution is violating my consumer right under Title 15 USC.

Under 15 USC 1692g credit corp did not validate any debt.

I was contacted multiple times confirming that it was a debt collector and they attempt to collect a debt.

Violation of 15 U.S. Code 1692c -a.1 I was harassed and abused by multiple people calling my phone and threatening me. 
Violation of 15 U.S. Code 1692d - Credit Corp employees falsely represented the corporation mentioning they are handling and personal and business matters to get in contact with such person.

Violation of 15 U.S. Code 1692e.

Credit Corp Solutions is in violation of 15 usc 1692 b. ( 5 ) Credit Corp Solutions is in violation of 15 usc 1692 b. ( 2 ) Credit Corp Solutions is in violation of 15 usc 1692 f. ( 8 )
Product: Credit reporting or other personal consumer reports

This collection agency has not signed a contract with me nor have I given my consent to any company for the distribution of my personal information and they are violating the law and privacy of my personal information therefore I want it removed from my credit report. This collection agency does not have my authorization to be disclosing personal information and I do not have any debt to anyone of that amount of money, therefore this debt is a fraud because I do not recognize it. Therefore check all legal elements and sign my and take into account all documents and errors. 

the debt collection company : XXXXXXXX XXXX XXXX  Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint involves the XXXX credit reporting agency they are reporting old or outdated info which affects my XXXX XXXX and gets me denied for most if not all loans that I apply for I have disputed these inaccuracies on their websites over the past several months but to no avail have anything changed.. 
The info they're reporting either list wrong addresses or reporting how long that the accounts have been opened once a new debt agency buys the debt they report it as a new account most of this debt is less than XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So today I received a notification that a XXXX XXXX credit account, allegedly mine was closed. I then used due diligence and fully investigated my credit report, and noticed an immense number of things on my credit report that didn't belong to me. First and foremost, I was just incarcerated for attempted murder and a number of other offenses, from XX/XX/XXXX to XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With that being said, the XXXX  XXXX account which I previously mentioned was opened in XX/XX/XXXX which indicates that I couldn't have opened this account being as though I was in prison. Furthermore, XXXX, XXXX, and Transunion has engaged in the act of fraud, violating 15 USC Section 1651e et seq, as they have reported fraudulent information concerning me which I did not consent to, approve of, etc. Wherefore, I am asking that the credit bureaus and/or reporting agencies remove the following accounts from my credit report, as well as, any inquiries ( hard or soft ) that are related to these accounts. The accounts are as follows : ( XXXX ) XXXX  XXXX opened on XXXX XXXX, XXXX ( XXXX ) XXXX  XXXX XXXX  opened on XX/XX/XXXX ( XXXX ) XXXX XXXX opened XXXX XXXX, XXXX ( XXXX ) XXXX opened XX/XX/XXXX Please, delete these items from my credit report, as I was locked up while all of these accounts were opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  dba : XXXX submitted in error with out our consent or authorization inquires on XXXX XXXX XXXX with XXXX, XXXX, Trans Union XXXX XXXX XXXX XXXX XXXX and XXXX. Camping world submitted a letter to have all inquires removed from our credit reports on XX/XX/XXXX. This has not happen with all 3 credit reporting agencies. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For several months, i've relentlessly tried to get inaccuracies removed from my credit so that my children and i would have access to the basic necessities. Ive had some success as evidenced by the exhibits attached ; however the deliberate consumer abuse unfortunately continues. These companies ' negligence has caused such harm and distress to myself and my 3 minor children. There are Acts put in place to protect the consumer ; and willingly and knowingly violating the laws have monetary, civil, and sometimes even criminal liability. XXXX XXXX XXXX, after failing to ADEQUATELY and LAWFULLY validate any alleged debt, slightly followed protocol by the removal of this inaccurate and derogatory account from the XXXX consumer credit report. Sadly, they've knowingly committed fraud and inflicted harm by continuing to report this inaccurate account ( National Credit System Acct # XXXX ) to EXPERIAN as " verified '' ; all while essentially admitting to the inaccuracy and fraud by the deletion from the other previously mentioned Bureau ( XXXX ). Please help me to understand how this account can be verified with one Bureau and be deleted/removed by another. Are other Bureaus, such as XXXX, held to a higher level of integrity and accountability than EXPERIAN? Why is Experian willing to assist these fraudulent companies in harming the consumer? What is the use of the Fair Credit Reporting Act or the Fair Debt Collection Practices Act, if it is not abided by ALL in commerce? What is the future of commerce if consumers are purposely oppressed by the entities designated to protect them? What is the future of commerce when criminals get to hide behind fictitious entities and bleed the natural person of their God given rights. As I type this complaint, one of many, I literally have 3 weeks to vacate an extended vacation home but am unable to, due to the inaccuracies on the consumer report causing the adverse action during the application process with leasing companies. This inaccuracy and fraudulent, unruly behavior on the behalf of the companies attached to this complaint ; has done far more than damage my credit worthiness, or my slander my reputation in commerce- these excessive and perpetual violations have ultimately infringed on my life, my liberty, and my ability to obtain even a rental property to call home for more than a couple of months. I need these inaccuracies PERMANENTLY and IMMEDIATELY deleted and blocked from ALL consumer credit reporting companies and bureaus, this includes XXXX, XXXX and all other adjacent reporting companies which Experian furnishes with this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts in collections are reflecting items that were initiated from an Equifax data breach and I don't have any knowledge of these negative accounts or balances. This account is under litigation and would like these deleted and removed immediately. XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX at XXXX XXXX, a gentleman named XXXX called my secretary to tell her that I was being subpeoned and he needed my information. I was not in the building and he asked to speak with my boss. He then gave her his number and my social security information and a case number. I then called on XX/XX/XXXX at XXXX XXXX and was connected to XXXX from RPM credit collections who then told me that legal action was to be taken against me and they would show up at my place of employment to get garnishment information from my employer. He then stated that they would embarrass me at my job.
Product: Debt collection

A representative of American Express Legal Department has been calling me in reference to a case, to pressure me to pay the balance owed by a business LLC. The last time this same representative called me was today, XX/XX/2020 from number XXXX at XXXX pacific time. This specific representative is using communication that I find to be harassing in nature, as he repeatedly asked about my husband 's financial assistance to this matter ( my husband is not connected with this account ) and also repeatedly asked about the financial amount I may or may not receive jointly in a tax return from the government. Actually, the first person who ever mentioned me using a tax return to settle this balance was this AMEX representative. I specifically told him that I do not have the lump sum payment for this settlement and that this money ( tax return ) was not only mine to take ( if received at all ). I actually told him that specifically during a previous phone call. I also do not appreciate him asking about my husband 's contribution to paying this debt. While I may have mentioned in a previous call that I was not earning income at the time and my husband was helping me financially, I never brought my spouse up during this phone call today, and I do not appreciate this rep. badgering me about my husband 's assistance and whether or not he could help me. 

Lastly this representative had a very loud tone, one that talked over me, and intimidated me. He even said that the only reason I was able to get an accepted settlement offer for a a different AMEX card balance ( owed by another LLC I operated ), is because the judge ordered me to pay it. This is false information. I never received a judgement from the court for any debt. I also never spoke with a judge specifically regarding any legal requirement ( of myself or LLC ) to pay that balance. I made that financial settlement out of good faith with the attorney representing that case, peacefully, out of court and through email. 

This AMEX legal rep. is abusing his power, and using intimidation and harassment to force me to agree to terms that I can not financially commit to. Of course my natural reaction has been anger, and I yelled back on the phone this last time. However, it was initiated by him and I do not appreciate my husband name, or our joint tax return, being utilized in a harassing manor.
Product: Credit reporting or other personal consumer reports

I just reviewed a copy of my credit report and i found this fraudulent account. Please remove these account. This is hurting my ability to obtain credit. 

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

I contacted Experian via a Dispute letter regarding XXXX XXXX once in XXXX and Once in XXXX. Experian is reporting XXXX XXXX with an open date of XX/XX/2020. One, I have never opened an account with XXXX XXXX. I have requested Experian to send me documentation with my signature agreeing to terms with XXXX XXXX and they still have not sent any documentation. Two, Experian is reporting a date of last activity of XX/XX/2020. How can there be an opened date of XX/XX/2020 and a last activity date of XX/XX/2020?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX Inquiry date : XX/XX/2019 They Ran my credit twice in the same day I wrote to them No response The Fair Credit Act did not respond thank you
Product: Checking or savings account

I opened a company business checking account with TD Bank in early XXXX. My office manager at the time also had a signature on the account. In XXXX, I turned over day to day operations to two others, though maintained my financial interests in the company, of course. 

Sometime later, unbeknown to me, my signature was removed from the account. The company suffered great losses as a result of flooding resulting from Hurricane Matthew in XXXX and ultimately failed following flooding resulting from Hurricane Florence in XXXX. All paper and computer records were essentially lost although I do have bank statements. 

In my ensuing attempts to obtain detailed transaction information, especially check payees, in order to complete financial reporting per my fiduciary duty and regulatory requirements, I have been denied by the bank repeatedly in spite of presenting copious evidence of my obvious entitlement to the information. 

TD Bank states their banking policy requires that account information may only be provided to people with signatures on the account. They have no policy to protect an account holder from having their signature removed from the account without their knowledge or approval. I have provided copious documentation illustrating my ongoing interest in the company. 

Furthermore, they have been increasingly unresponsive to my inquiries leaving me no other options short of expensive litigation to obtain information I am entitled to. I have been dealing with this for well over a year now, and the delay in filings because of this is no doubt going to result in significant penalties and interest when this is finally resolved.
Product: Credit reporting, credit repair services, 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX FIN Account Number : XXXX has violated my rights. Or list of inquiries XXXX 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.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX, has violated my rights. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. XXXX XXXX XXXX XXXXXXXX, has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 written instruction.
Product: Checking or savings account

XXXX XX/XX/XXXX i git a call from Wells Fargo stating that my account had been compromised they read me several charges that were mine and some that were not. I received the normal texts requiring me to read back a code. they then said that it looks like whoever it is is in your account attempting to do a wire transfer from both your checking and savings accounts they guided us through a process to reverse the transfer. I got suspicious and had my wife call wells customer support who said hang up its no us and they put a hold on all our accounts. The transfers took place any way, but we filed a fraud claim at that time less than one hour from the act. We were told it was quick and that was good it could take 5 to 10 business days to get XXXX to retrieve and reversed the funds. we went on XX/XX/XXXX and closed and replaced all the accounts and filed a report with the XXXX XXXX XXXX XXXX. On XX/XX/XXXX we received a letter from Wells Fargo stating that the money would not be returned. I called and they said that they knew the names and account numbers of the individual who committed the fraud through XXXX but XXXX refused to return the funds and said it was a legal transaction. I called XXXX and they said sorry cant help you go to Wells Fargo. I then called XXXX XXXX ( I have an account with them also part of XXXX ) their rep told me to call Wells Fargo and have them reopen the case and try again. with all the information and only 1 hours passing they should have had a good chance to retrieve the funds. I cant call now until Monday XX/XX/XXXX their Fraud dept is close on the weekend. I guess scammers don't work on the weekend. All the information they had was birthdays, account numbers ad full soc sec numbers it looked like they were in our account.