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

This is my several endeavors 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. 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, remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On or around XX/XX/2019 Doctors Business Bureau took adverse action and placed a collection account on my credit file ( s ) ( XXXX ) without providing me with notice or allowing me to dispute the debt which adversely impacted my credit rating. This resulted in financial harm, as well as emotional distress and mental anguish.
Product: Credit reporting or other personal consumer reports

I have a paid medical collection that the collection company, NW Financial Services, refuses to remove from my credit report. They are verifying it as unpaid through transunion dispute when I paid it XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Accounts are still on my report AND violate the Fair Credit act. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, credit repair services, or other personal consumer reports

In XX/XX/XXXXwhen the 4 accounts and address were first discovered an updated FTC identity report, police report and proof of identity was sent to Equifax and they refused to acknowledge that I had a credit file even with the copy that was sent to them and then says that they have verified the information as my information even though the accounts were opened as fraud. 
In XX/XX/XXXXto present I have been contacting Equifax in regards to these accounts and each time Equifax send me an email with a link that I can not open with title stating information verified. I have repeatedly called and written every month to Equifax with a copy of my police report, ftc identity theft report, proof of my identity ; Equifax is verifying with the creditor whom I have also repeatedly notified that the accounts were opened fraudgently and to close them basic information that was used illegally such as my name, social security number and a address I never lived at. 
Equifax also acknowledged that my personal information was part of their breach in XX/XX/XXXXand XX/XX/XXXXand tried to sell me a protection plan but refuses to remove unauthorized illegal accounts from my report ( fraud ). To add insult to injury my personal file has been blocked from me or other creditors being able to view it.
Product: Credit reporting or other personal consumer reports

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with Clarity Services XXXX Please prioritize this matter for prompt action. I have tried to email them, at Clarity Services Inc., a part of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX But I am not getting any response or completion of my request. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA this creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Delinquent for the months of XX/XX/XXXX ), has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. Ive been denied from housing and excluded from jobs due to the violation of 15 USC 1681 Section 602. Under 15 USC 1681 section 604a section 2 states that a consumer reporting agency can not furnish an account without my written instructions. I never gave the consumer reporting agency my permission to furnish my account and I would like the information furnish on my account to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Delinquent for the months of XX/XX/XXXX ) ). Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for ANY PURPOSE. Removed the delinquent accounts from my credit report because they are violating several of my rights that are allotted to me by the FRCA. Do not respond with a generic response. I am well aware of my rights and the laws surrounding consumer credit and the FRCA. If you do not honor my request I will have to take this further and seek legal counsel. 

In accordance with the Fair Credit Reporting act convergent accounts are fraudulent and Where not made by me. I do not recognize these inquiries and demand that they be deleted from my account immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The aforesaid creditor did not have my written consent to access or pull my credit report. Please provide proof of my written signature that granted these companies to access my credit report. If that can not be done please remove these inquiries promptly. Please do not reply with a generic response about your obligation to report the inquiries as they are. I am well aware of my rights that are allotted to me by the FCRA. And the aforementioned accounts are in violation of several FCRA Laws that are allotted to me. I do not recognize them and they are fraudulent and need to be removed off my credit file immediately. They are harming my credit file and hindering me from getting reasonable financing terms.
Product: Debt collection

This collector, XXXX XXXX XXXX, XXXX XXXX XXXX, called my daughter, my ex-husband and me threatening to sue for a credit card bill from XX/XX/XXXX or XX/XX/XXXX, he could n't make up his mind. Then he called and terrorized my ex-husband who agreed to pay {$250.00} and committed me to another {$250.00} the following week. 
XXXX XXXX called my job and my cell XXXX times within XXXX hour. He also had a process server call my job, my cell and my office manager. I never authorized contacting me at work. I paid {$750.00} and although asking several times for proof of debt. I emailed and faxed XXXX XXXX requesting this information only to receive a form for me to sign which would authorize him to take money from my account. I never signed the document, altho he took XXXX payments ( {$760.00} ) and XXXX payment by prepaid debit card from my ex-husband ( {$250.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Called  XX/XX/XXXX  for report #  XXXX  in reference to incorrect inquiries on my credit report. I spoke with  XXXX  and he could not help. I requested a supervisor and they refused to help. Incorrect inquiries listed below :  XXXX   XXXX    XXXX    XXXX   XXXX    XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX    XXXX    XXXX   XXXX   XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am reaching out to follow up on the complaints, regarding discrepancies on my credit report. As of today, I have not received any updates or communication regarding the resolution of these disputes with the credit bureaus. While I understand that investigations can take time, I am eager to inquire about the current status and any progress made in addressing the issues outlined in my previous correspondence. Below are the specific items that I am requesting to be removed from my credit file : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$500.00} XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/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 XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/18, I called Citibank customer service regarding my credit card application status. I get my security question right but they transferred me to the fraud department and refused to check my application status. 

Their decision seriously delayed the time of reviving my credit card and hurt customers relationship. 

I would request to cancel my credit card application with Citibank.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, an unauthorized account has appeared on my credit report. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent account. 
Fraudulent Account to Be Deleted : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

There is some information that does n't belong to me. 
I 've never lived in any other state outside of XXXX ; I 've noticed there is an address " XXXX XXXX, in XXXX state " this information is not mine.
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. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *15 USC 1681 section 602 A. states i have the right to privacy.

*15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

*15 USC 1681c ( a ) ( 5 ) section states : No consumer report 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 USC 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, credit repair services, or other personal consumer reports

I have made numerous complaints about this Discover charge-off account with no real assistance from Discover other than some mailed statements. 

Discover has charged off this account XXXX years ago, which means a 1099c was submitted. However, I have yet to receive a copy of the 1099c for the charge-off which is fraud. 

XXXX, XXXX, and XXXX are all reporting charge-off accounts on my credit report on top of all reporting different information which means it is also inaccurate and misleading and an additional reason why this needs to be removed from the credit report. The IRS defines a charge-off or a 1099c as gross or ordinary income. Income does not get reported on the consumer report. By reporting this as a charge off on my consumer report, it now becomes an inaccurate account which is now under 15 U.S.C 1681e ( b ) which speaks on maximum accuracy of the consumer report. This inaccurate accounting must be deleted from my credit report.
Product: Debt collection

I am appalled by the persistent presence of fraudulent accounts on my credit report, despite assurances from reputable banks and validation of identity theft. The failure to remove these entries, despite clear evidence of their fraudulent nature, constitutes a blatant violation of credit reporting laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Inaccurate reports on my credit, sold my information without my knowledge, in the process with my lawyer to sue all parties involved in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent me a letter, a stall letter They are asking for more verification even though I created the letter and sent the letter myself to XXXX. They are holding up the investigation of my complaint by not even conducting a complete investigation of the issues that I raised with them. Their hold up is effectively holding back Experian and XXXX from conducting their investigations as well.
Product: Debt collection

I have been sued by XXXX on behalf of XXXX XXXX. He has not provided correct and accurate documentation especially with regard to what the charges on the card were for and when they were incurred. I have fought this every step of the way but to no avail. He now is asking the local court for an arbitration but what I do n't know.
Product: Credit card

I have been enrolled in financial hardship program. Automatic payments were a requirement of the program and are unable to be deactivated. Prior to the automatic payment, I received an email reminder about the automatic payment. The email contains a statement that states If your account has no balance on the day of the scheduled debit, your bank account will not be debited. I interpreted this statement to mean, that if my bank account did not have funds available, that the auto payment would not be processed. However, the autopay was processed for a total {$780.00} and resulted in an additional {$45.00} in overdraft fees. Additionally, I was unable to meet other financial obligations and caused a great deal of stress unable to make basic purchases and it has put me back quite a bit. I was later told by the representative that the meaning of the disclosure is that if the credit card does not have a remaining balance, the payment would not be processed. I believe this practice to be deceptive, as my interpretation is reasonable given both the language within the disclosure not clearly differentiating between the credit card account balance and bank account balance as well as the practice of not overdrafting accounts being common within the industry ( e.g. XXXX, apps linked to XXXX, etc. ). I expressed my concern with the representative, who agreed that he understood my interpretation and apologized. I asked for the payment to be refunded, but they were unwilling to do so as it met the minimum payment requirement. I asked to file a complaint based on a UDAAP violation, but I was never contacted about the problem. 

I have since asked that future auto payments be removed, as I have petitioned for XXXX  XXXX bankruptcy. During XXXX  XXXX, i should not be preferring creditors nor making payments outside those to the trustee. Additionally, as XXXX  XXXX payments take all disposable income, the money they have taken from the account causes financial stress. I continue to get conflicting answers, and another department to be transferred to or a number to call. Another auto payment for {$68.00} has since been processed. Of all creditors, AMEX is the only one that has not stopped collection activities after my petition, although they have sent me emails regarding the XXXX  XXXX public file addition to my credit reporting.
Product: Credit reporting or other personal consumer reports

referencing 15 U.S.C. 1681c, regarding a data breach and a demand for a thorough investigation : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation Under 15 U.S.C. 1681c Following Data Breach Dear Equifax, I am writing in reference to a recent data breach involving Equifax, which exposed my private information. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, I am gravely concerned about the impact this breach has had on the integrity of my credit file and the security of my personal information. 



Additionally, I recently submitted disputes regarding inaccuracies in my credit file. Given the compromised nature of my private data, I am demanding a thorough investigation into these matters to ensure that all disputes are resolved accurately and any lingering errors or unauthorized activity are addressed immediately. 



The breaches of my personal information have left me vulnerable to fraudulent activity, and I am requesting the following actions : 1. A detailed investigation into all items I have disputed, along with a written explanation of your findings.

2. Assurance that my credit file has been thoroughly reviewed for potential inaccuracies or unauthorized activity resulting from the data breach.

3. Confirmation that any incorrect or unverifiable information has been removed or corrected, as required under the FCRA.

4. An update on the specific actions Equifax is taking to protect consumers affected by this breach.

Under the FCRA, you are obligated to investigate disputes promptly and ensure the information you report is accurate and verifiable. Please provide me with documentation and updates on the status of your investigation.

Failure to comply with these requests may result in my taking further action to ensure my rights under federal law are protected.

I appreciate your immediate attention to this matter and look forward to receiving your response within the legally mandated time frame. Please contact me directly at [ your phone number ] or [ your email address ] should you require further details. 



Sincerely, XXXX XXXX
Product: Credit card

I have my account setup on auto-pay for the entire bill amount. I have several emails from the Exchange Credit Program going back many months saying my payment has posted without issues. I got a letter from them on XXXX XXXX XXXX claiming they had not received a payment in XXXX months and that my account was about to go into collections. After this I tried logging-in to their system to make a payment and was repeatedly told that my information was not in their system. Today, XXXX XXXX XXXX, a payment was made without my notification for the total amount of {$1200.00} owed. Although I had intended to pay the debt, I had not intended to pay the entire debt as this puts me in a financially precarious situation where I will be strained for the rest of the month, and likely the next month or two. 

I am complaining in the manner that this debt was handled, without my knowledge or consent. If their system could suddenly pay the debt, why could they not collect for the last two months? If their system could not collect the debt, why were they telling me that the payment posted? 

Thank you for your looking into this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX