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 : //www.ftc.gov 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 the blocking of 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 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: Credit reporting or other personal consumer reports

I filed a complaint against Equifax on XX/XX/year> to remove these items from my credit report immediately. This was the company 's response on XX/XX/year>. The complaint number is XXXX. If this information was not present on my report, then how is it present now. 

Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : CLOSED DATE, SCHEDULED PAYMENT, PAST DUE, CHARGE OFF AMOUNT, ADDITIONAL INFORMATION, ACCOUNT HISTORY NON REPORTING DISPUTES Trade : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXXXXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on 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. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 XXXX 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

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX REMAINING ITEMS TO DISPUTE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

I am requesting to review and delete XXXXXXXX XXXX XXXXXXXX this account is showing and it was opened and used during a time where I had been a victim of identity theft. I was advised at that time to report and file an FTC ID Theft Report I hadnt noticed my credit report until recently when I tried applying for credit and this showed up. Please delete
Product: Credit card

The Citi credit card company didn't dispute the charge that I requested in XXXX 2024. 
I contacted customer service in XX/XX/year> and was told that the balance would be disputes. 
Credit card account has been closed now and still have {$4000.00} balance on the account. every month it still charging the late fee and interest.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more thaXXXX XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Debt collection

i made a settlement XX/XX/XXXX. Now XX/XX/XXXX I am being offered yet another settlement on an already paid debt. 

Its been 12 years and now im expected to have receipt on hand. I have GOOD credit. There is no negative on my credit report for many years. 

I have maintained a good credit rating for many years and do n't owe any monies to this collection agency or its affiliates. 

thank you for your time. 

with respect,
Product: Credit reporting or other personal consumer reports

This constitutes my second attempt to attend to a matter and function as a follow-up to my initial complaint dated XX/XX/2023. It is crucial to reiterate that, as per FCRA section 605b, Credit Reporting Agencies are compelled to eradicate any entries specified in an identity theft report, particularly identified as XXXX XXXXXXXX. In accordance with Section 605B ( a ), the CREDIT REPORTING AGENCIES are obligated to eradicate any entries in the consumer 's file identified as information resulting from an alleged identity theft within four business days from the date of receipt. Enclosed herewith are the pertinent documents substantiating the necessity for the removal of inaccurate information currently manifested in my credit reports. The following accounts have been expressly identified for removal : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- -- -- -- -- EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

1 ) XXXX XXXX XXXX XXXX XXXX, filed a lawsuit against me without first verifying or validating the alleged debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 
2 ) I received no prior written notice of the debt, nor was I provided with information about the creditor or the amount owed within five days of initial contact, as required by law. 
3 ) XXXX has not provided sufficient documentation to establish ownership of the alleged debt or its validity. 
4 ) The original creditor, XXXX XXXX XXXX, failed to offer financial assistance, despite my eligibility under federal and state laws due to my XXXX and XXXX status. 
5 ) ARLs failure to validate the debt, misrepresentation of its ownership, and initiation of legal action without proper documentation constitute deceptive and unfair practices.
Product: Credit card

I have had three of my accounts closed by synchrony bank over the last few years. No matter if you have money charged on them or not. Doesnt matter if youre making all your payments. It hurts your credit score when they do this. It seems to be the practice that this bank loves to do. I feel they are hurting consumers. I dont feel that any closures from this bank should be on anybodys credit report- because they are abusing it and hurting consumers with this practice!
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 victim of identity theft. 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 : XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF ID THEFT. I did not open this bank account and I am attaching my FTC report with this complaint.
Product: Checking or savings account

On XX/XX/17 there was a charge I didnt recognize on my account I proceeded to call the card issuer at which time I was told that if I wanted to proceed with the dispute I would have to get a new card. I in XXXX XXXX explained that I needed to have the car that was in my hand in order to buy my medication and food being that the store at with a shop at does not take digital cards. I adamantly told him several times not to shut my card. They continue to do it after I hung up and I found out in the app but this happened, furthermore I called several times to correct the issue and I was met with nothing but adversity from their customer service and then I find out they sent the wrong. They sent the car to the wrong address and when I tried to correct it and have the card overnighted to me being that I need it for medical conditions to which I need to get my medication, I was told they could not do that. I explain to them several times that I asked for this not to happen and they continue to do it to which time they hung up on me. They do not care about a customer in the least bit. The bank was chime. I still have not had a card sent to me. Even after I told them they sent it to an incorrect address
Product: Debt collection

I received a random phone call on my private home phone from a company called National Enterprise Systems at XXXX, when the woman came on the phone she demanded to know who I was and I expressed that I did not identify myself to a strange caller but if they want to ask for someone specifically, then I would let them know if " that '' person can be located at my number. When she would still not identify who she was calling, I asked for a supervisor and the supervisor came on the phone and tried the same tactic, refusing to say who they were calling at my number. I warned them that such a call is considered harassing when they can not identify who they are calling and demand my information without knowing who they are speaking with. This is not the first time they have called my number and refused to ask for a specific person, then claimed to take my number off their list. This is harassing and in my view, a harassing tactic to try to get consumer information without identifying who they are calling. I have had my number for over XXXX years and do not have ANY debt, but do have a verifiable Identity Theft on file so, not identifying who they are calling comes across as threatening and abusive... I have zero tolerance for this sort of harassment! I have recorded the call this time and fully intend to pursue harassment charges if this can not be settled reasonably.
Product: Credit reporting

I have contacted this company and patiently awaited replies only to receive nothing. They have on my credit report listed " XXXX '' inquiries. XXXX? That is more than 3 a month on average. I work in the XXXX room and i am not even off enough during the months to do such a thing. I am sick and tired of my husbands ex wife being able to run my credit without anything happening. I am going to paste a list of inquiries that are fraudulent and i would like them removed. I am in the process of seeking legal action against the person responsible but in the meantime i want equifax to realize these are fraudulent inquiries i mean i do n't have that many accounts on my credit report and the ones i do are shared with my husband. Please remove these fraudulent inquiries. 

Name of Company Date of Inquiry XXXX XXXX BANK Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX : XXXX Show Details XXXX/XXXX/XXXX XXXX : XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX : XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX BANK Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been trying to get my payment history from XXXX Rushmore SLS
Product: Debt collection

on XX/XX/year> an account was opened for XXXX XXXX XXXX XXXX for $ XXXX KINGSTON DATA AND CREDIT INTERNATIONAL INC. has added that for collections on my credit, this is an inaccurate account
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- They don't want to give me the account number, it only shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They don't want to give me the account number, it only shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX- They don't want to give me the account number, it only shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Company has repeatedly contacted me through calls, emails and spam text messages. Date of reported debt is not accurate and companys continues to sell the debt and have multiple companies contacting me. I have attempted to contact the company to cease the calls to no avail. On top of the harassment, they constantly report inaccurate dates and insane amounts
Product: Mortgage

I have been working with Citi Mortgage on a 2nd loan modification for years now. I was in review for a loan modification, on XX/XX/XXXX, i faxed them over the only items they stated were missing which were paystubs and bank statements. On XX/XX/XXXX, i called in and spoke with XXXX whom confirmed that the the paystubs were received and she stated she would put in an urgent request to get the sale date postponed. I called again on XX/XX/18 and spoke with XXXX again who stated that the Asset Manager had not responded to the request yet but she would send another email and they would call me as soon as possible. As eager and concerned i became, i could not wait for a call back and called again on XX/XX/18 and spoke with XXXX. She stated that that they now need the XXXX form and the updated XXXX ( which was newly requested and never mentioned before ). The same day and i went onto their website, downloaded the forms and faxed them in to XXXX. I called back XX/XX/18 and spoke with XXXX who stated the XXXX i sent in was incorrect, i mentioned to her that it was from their website. She stated she would fax me the correct form so i can send it. As of today, i still have not received the correct form so when i called again and spoke with a XXXX, she proceeded to tell me that it was too late to send in the information and i had to do so 7 days prior to the sale date. I requested to speak with a Supervisor but she said there was nothing they can do. I dont understand how I can be set up in a way to lose my home. At this point, i just need help. Please, i beg.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting in XX/XX/2020 I have reached out the Bureaus almost 6 months now and they have not responded to any of my letters that I have sent. This is a Serious Violation and could be taken to court to proceed suing. They have violated the Fcra Statue of limitation for reporting inaccuracies and ignoring me. This is stressing me out because i  XXXX XXXX have the right to dispute anything inaccurate by law
Product: Debt collection

You are reporting this collection as an " OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 
Account listed under reinvestigation for weeks
Product: Credit reporting, credit repair services, or other personal consumer reports

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX DOB : XX/XX/1989 To : XXXX XXXX XXXX Chief Executive Officer & EQUIFAX INFORMATION SERVICES, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Re : Notice to Cease and Desist & Settlement Demand of {$4000.00} I have never once written EQUIFAX giving them my written consent to report anything on my consumer report EVER. If so please provide me with such letters bearing my wet signature with in 30 days or again DELETE everything referenced-below. 
EQUIFAX again you re is still furnished a few alleged accounts, unknown addresses on my report that need REMOVED as soon as possible listed below : XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX Never Verified Late Payments But Still Reporting/ DELETE ) ( ACCOUNT STATUS IS Paid AS Agreed BY XXXX DUE TO LACK Of PROOF ) XXXX. XXXX XXXX XXXX # XXXX ( Never DONE BUSINESS WITH VENDOR/ DELETE ) ( PER 15 USC 1681b a 2. DELETE I DID NOT NOR DO I AUTHORIZE THIS TO REPORT. ) XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Not My Address/ DELETE/ Violation 15 USC 1681b a 2 ) XXXX. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Not My Address/ DELETE/ Violation 15 USC 1681b a 2 ) According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any Medium includes oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged Accounts and unknow addresses ) by the Company will be a violation of my rights as per the Fair Debt Collection Practices Act ( FDCPA ).

15 USC 1681b ( a ) ( 2 ) -permissible purposes of a consumer report.

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

The law clearly states that a consumer reporting agency can not report any items on my consumer report with out my written consent. You are in violation of the law because I never gave you written or verbal consent.

Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you a formal notice to cease any further communication regarding these alleged Accounts, unauthorized inquiries and unknown addresses immediately. This includes but not limited to telephones calls, emails, social media or any other Major or Secondary Consumer Reporting Agencies.