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

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX/2024 XXXX XX/XX/XXXX2024 XXXX  XXXX XX/XX/XXXX2024 XXXX XXXX/2024
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have become a victim of a data breach and I request that all the accounts listed below be blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries are the result of the breach and I do not want them to negatively affect my credit file. 
Please find below the list of accounts and inquiries that should be blocked and deleted : Accounts : XXXX. XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$550.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$750.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$550.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$500.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$790.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$730.00} XXXX. TXXXX - XXXX - XX/XX/XXXX - {$3700.00} XXXX. UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$730.00} XXXX. UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$790.00} Inquiries : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is not reflecting when credit card payments are made, we are trying to buy a home and the other 2 credit companies have the accurate information, we have been working on our credit scores and transunion is making it difficult because there misinformation which isn't helping our credit scores. I expect this to be resolved as my attorney is informed of the situation and will act accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im asking this institution to do an investigation to this LJ ross, for sending me the letter which I never knew, that I owed them, this is fraud and un fair to a consumer like me, because I never late in my dues, I know that you are helping a lot of clients, and I never had a problem with my credit, my XXXX XXXX went up, when I never knew that I owed this company. 

Hoping for your kind consideration to this matter, Respectfully yours XXXX XXXX XXXX female
Product: Bank account or service

This is a summary of what happened after I submit my complain with case XXXX a lady ( name and phone # is known to me ) from Bank of America called last Thursday XXXX and she told me that they send my check, the subject of the complain, on XXXX XXXX And I should get it by next week, I went to the Post office and requested a hold to my mail in the post office just to avoid the excuse of not delivered. chickening the mail in the post office turn down to no mail from Bank of America received. I called her and informed her about the situation. Today Saturday XXXX I got a voice mail message, when I called and talked to a supervisor by name XXXX she informed me that check had been void and new check issued in XXXX XXXX and it will be with me within 7 or 10 day after she checked the address. this thing has been going on for 48 day up to day and they keep repeating the same thing for the third time expecting different result. 
Sir, Madam, this matter took long than it should and add a lot of hardship over the ones already there .Please looking for help and I do not see any coming, Your advice is highly appreciated
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX, XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXXXXXX
Product: Debt collection

This corrupt company purchased the debt from an old creditor and continue to report it to the credit reporting agencies as a new account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed incorrect derogatory remarks on my credit file. Ive mailed out disputes certified mail to rectify the problem. It is now 30 days since i mailed out my letters and i havent recieved physical written proof my matter was investigated
Product: Checking or savings account

On XX/XX/XXXX I got a new phone with a new phone number. On the previous phone I had my Citibank XXXX debit card linked to XXXX XXXX without issue. Once I attempted adding this card to my new phones XXXX XXXX, I got a text message on the new phone number from Citibank asking me to call into the fraud department because there was suspicious activity observed on the account. This happened before when I originally opened my account in XX/XX/XXXX and a simple phone call to the bank resolved the issue. However, when I called into the bank this time they went through a verification process they claim I failed then informed me that they had blocked my account. The point this failed is when they asked my security word for the account. Although, admittedly an unsafe practice, I always have my security word the same across EVERYTHING I use and is distinctly different from my banking password. I went onto my online portal to check my accounts after the call, and indeed, my checking and savings account had been removed from the online account. 

Hours of hold time later, I spoke with someone in the XXXX who told me that the account was blocked by someone in a branch. I knew this to be untrue, as this was all done over the phone. They told me that there was no way to unblock the account over the phone so I would need to go into a branch. I called a branch in New York as that was the first result in a search for a branch on the Citi website. I spoke to XXXX XXXX, Vice President of Wealth Management, who advised me that because the account was opened online, I had no physical branch to go into and that I would need to give the XXXX number a call back. I did so and they told me that I would need to go into a branch because it was a block placed by a branch. This goes in circles. I call a branch, they tell me to call the fraud department and then nothing is resolved. So I am now going on a better part of 3 months without access to any of my funds in both accounts including direct deposits from my employer.
Product: Credit card

I received a text from Citi regarding my XXXX XXXX about a potential fraudulent charge to my card. The number in the text sent me to a system that said This system is currently unavailable now. So I called the general customer service line, and was put on hold with a message of estimated wait time of greater than thirty minutes. While I was on hold, I went online to verity the charges myself, and theyre all mine, and my card is in my possession. Using the chat function, the customer service rep was ( understandably ) unable to help me resolve the issue himself, but sent me a number to call. I hung up and called that number and got the same message. After an hour and a half I finally started getting a message that the wait was less than thirty minutes, and eventually it said I had a wait time of less than two minutes, at which point the call dropped. Until I can verify the charges formally, I am unable to use the card, which I had planned on using to put a purchase for something that would resolve a major safety issue at my house. I do not have the time to call and wait another 90+ minutes to maybe get in touch with someone, or perhaps wait 90+ minutes to have my call dropped again. There is no option to automatically do it ( like Ive had with other credit cards ) or to get a call back ( like Ive had with other credit cards, or other times I have a potentially lengthy hold time such as with my XXXX  office ) when my place in line came up. This is the worst experience Ive had with overall customer service since having a credit card in my name for the past XXXX XXXX years ( much less a Citi card ). It reflects very poorly on Citi.
Product: Debt collection

I am writing to dispute the following account with XXXX XXXX XXXX XXXX XXXX ( XXXX ) ( Account number : XXXX ). This has been an ongoing issue. Years back, the original creditor had confirmed that this debt does not belong to me, and removed the account from my credit report. I am not sure what happened, but later on when they sold the account, it popped back up on my credit report. I am assuming that the original creditor did not disassociate my personal information with someone that had the same name as I do, or whatever the case was. This account does not belong to me! Please see the attached document, which is a letter that I wrote to the company, as well as my Transunion credit report. It has been significantly more 30 days since I began my dispute with Transunion, and they have not updated the dispute status. It still reflects " account information disputed by customer ''. To this day, I do not see any resolution comments. Furthermore, I also have no idea why this item is reporting as an " open account '' when it is a collection! Please have XXXX remove this account immediately, and permanently.
Product: Credit reporting or other personal consumer reports

I recently looked up a copy of my credit report and noticed several inaccuracies on my account. This account is hunting my ability to get credit. It is my understanding that you will research these items for me to ensure their accuracy. Here is the item I ask you to verify as accurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 16811 ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
XXXX : ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX ACCOUNT NUMBER : **** XXXX : ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : **** XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX : ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX  ACCOUNT NAME XXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER : **** XXXX ACCOUNT NAME XXXX XXXX  ACCOUNT XXXXXXXX XXXX  ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX EQUIFAX ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT XXXX EQUIFAX ACCOUNT NAME : XXXX ACCOUNT XXXX EQUIFAX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX EQUIFAX ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT XXXX EQUIFAX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX
Product: Debt collection

ON XX/XX/2021 I was on a recorded line and I was told if I paid the full amount I would receive a deletion letter, I asked more than 5 times on a recorded line and it was never sent. I called back almost every other day to get this, I was hung up on and told they could not give me the recordings. 

Convergent Outsourcing # XXXX was showing on the report here is the information I have on the account Account # XXXX Phone number I called to handle this was XXXX
Product: Student loan

Recent reports indicate that the U.S. Department of Education and the U.S. Treasury have granted third-party access to sensitive student loan data, including my personal and financial information, without my consent.
Product: Debt collection

Notified Security Finance that I was dealing with their Corporate office due to them running my credit multiple times and I only authorized one transaction. Calling my phone 5+ times a day. Calling my references multiple times. Contacting people I did NOT even put on my reference sheet. Harassing and not Professional collection practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

My right to privacy has been infringed upon severely. My personal information has been shared without my knowledge or consent. I have been a victim of identity they and I have provided supporting documentation, but the fraudulent accounts keep appearing on my credit file and consumer reports. My reputation in with the financial institutions has been jeopardized and I need this fraudulent information deleted immediately.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/2024. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. Below are the details of the disputed account : **Account Name : XXXX XXXX XXXX XXXX XXXXAccount Number : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I originally notified XXXX XXXX that I wanted to updated Privacy Policy, a representative commented through the CFPB complaint feedback stating that there was no such thing, and that XXXX XXXX sharing my personal information is how daily business operates and is ran and I could not opt out. Which after doing more research and learning more laws is unfair and untrue! XXXX XXXX Totally Disregard my complaint. XXXX XXXX has been contacting family members I havent spoken to in years asking to speak with me, instead of calling me. Ive already tried to resolve this debt in house and nothing seems to satisfy this creditor. They refused to put me on a payment plan or defer the loan. They continue to send emails and letters stating if I don't pay by XX/XX/XXXX they are required to sell the debt to third- parties. I did in fact was able to google the link to opt out, but employees are uneducated and told me unlawful and unethical information. XXXX XXXX continues to report negative untrue information on my credit report when I disputed it with them. Someone made a note on my Experian credit report saying- Completed investigation of FCRA dispute - consumer disagrees Because what exactly did I not agree with? basically not complying with the FCRA and still reporting negative false statements. I have been denied every extension of credit because of this company.
Product: Debt collection

I XXXX XXXX have tried to bring to the attention with each credit bureau that there has been a fraudulent claim to an old XXXX XXXX account by a fourth party that clearly has committed identity theft from a third-party debt buyer. This agency has also claimed that they represent a debt buyer known as Bureaus Investment Group No. 15. I claimed that not only did this debt get purchased by this company, but they in turn took my debt information and processed a debt collection application to another debt collection agency known as The Bureaus. I hereby post all XXXX XXXX accounts from a XXXX XXXX credit bureau posted XX/XX/2017. My accounts show as follows : Account ending in XXXX shows settled less than full balance, balance XXXX, account ending in XXXX, balance {$460.00} ( This is the account stated sold to both XXXX XXXX XXXX and Bureaus Investment Group No. 15 ), account ending in XXXX paid in full, XXXX balance closed by consumer, account ending in XXXX, paid in full, XXXX balance. This accounting proves that I only had one unpaid account with XXXX XXXX. Yet I believe that The Bureaus obtained my information by identity theft, either through XXXX XXXX XXXX database, or directly from XXXX XXXX. It is difficult to believe that a publicly traded company such as XXXX XXXX would be XXXX enough to sell the same debt twice. Accordingly, I claim identity theft by The Bureaus from either XXXX XXXX XXXX or from XXXX XXXX directly. I paid my XXXX XXXX account directly with XXXX XXXX XXXX. My disputes with The Bureaus went nowhere, where this fraudulent company stated to the bureaus that the XXXX XXXX debt purchase/collection was valid. This is an insult to the prestige on the national credit reporting system, XXXX, XXXX and XXXX XXXX collectively. Each bureau must see through this scam and delete this erroneous collection information permanently and take away all reporting rights from The Bureaus, with principal offices located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX. This is a shameful act against an American consumer. Each credit bureau must see through this scam and delete this negative information permanently. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the removal of fraudulent and inaccurate information from my credit report due to identity theft. Despite multiple dispute submissions, including an active police report, an FTC identity theft report, a copy of my driver 's license, Social Security card, and proof of residency, Experian has failed to properly investigate and correct these errors in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Failure to Comply with FCRA and Identity Theft Protections I have exercised my right under the FCRA ( 15 U.S.C. 1681c-2 ), which mandates that a credit reporting agency must block identity theft-related information when provided with sufficient documentation. However, Experian has continuously failed to comply, leaving inaccurate and damaging information on my credit report despite overwhelming proof of fraud. 

Experian 's Ongoing Legal Issues & Consumer Protection Violations I am also aware that Experian has been sued by the Consumer Financial Protection Bureau ( CFPB ) for failing to investigate disputes and remove inaccurate information. Given this legal history, I find it highly concerning that I am experiencing the same negligent and unlawful practices that led to this lawsuit. 

Requested Resolution Immediately remove all fraudulent accounts and inaccurate information from my credit report. 
Cease any further reporting of these fraudulent accounts to the credit bureaus. 
Provide a written confirmation that my dispute has been fully resolved in accordance with the FCRA. 
If Experian does not take immediate corrective action, I will escalate this matter by filing additional complaints with the CFPB, FTC, and my states Attorney General 's office. Additionally, I will explore my legal options regarding Experian 's failure to adhere to consumer protection laws.

I expect a written response within 15 days confirming the removal of all fraudulent information. You may contact me at XXXX or ( XXXX ) XXXX should further discussion be necessary.
Product: Credit card or prepaid card

I had a credit card with Gap through Synchrony Bank. They took the dispute incorrectly and had denied the claim- not understanding what I was originally disputing. So I had to appeal my claim that was in the works. To then have them move me from Synchrony to XXXX. And XXXX could not help
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX/XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.