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

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breachOF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX Account # XXXX Amount : {$0.00} XXXX XXXX XXXX XXXX  Account # XXXX Amount : {$0.00} I am also including an FTC Identity Theft Report with the reference number XXXX to further support my claim of identity theft. This report provides additional documentation of the fraudulent activity linked to the XXXX data breach. As mandated under 15 U.S.C. 1681c-2, upon receiving this identity theft report, credit reporting agencies are required to block and delete any information identified as resulting from identity theft within four business days. Please find enclosed the following documents to support my claim :. I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). Sincerely, XXXX XXXX XXXX
Product: Debt collection

I received a phone call this morning from Tower Loan 's branch office located in XXXX, Texas. The call was made via the following phone number : XXXX by a XXXX XXXX who asked if I knew a person named XXXX XXXX. I actually know of no such person. She said that she has business for XXXX XXXX and wanted to know if I could ask him to call her. I told her that I did not know a XXXX XXXX. She hung up and did not apologize for calling me. I called the number back and got a XXXX who was rude and XXXX off because I told him that they had called me and violated the Federal Fair Debt Collection Practices Act by calling a random individual not related to the debtor and not indebted to their company. I filed a complaint online via their corporate office. 

This was an obvious attempt to fish for a person who might know the debtor. The call is obviously standard procedure for the collection department of Tower Loan. 

The Consumer Financial Protection Bureau need to take action against this company.
Product: Credit reporting

Equifax is carrying XXXX ( XXXX ) derogatory items and list them as open and unpaid. All my items have been paid quite sometime ago. These items, if they were mine, they need to be updated to show settled. Paid. Closed. etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Victims of Identity Theft. I Never Authorize this Account I want This Account Removed From my Credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  not researching and properly reporting that the following accounts are in fact in dispute. XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account listed above is still reporting account not disputed on my credit report. I have requested multiple times that this account be investigated and placed in dispute. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in dispute and continue to investigate.
Product: Credit card or prepaid card

Citibank Decreased my limit by over {$2100.00} and has caused my card to be maxed out and thus causing my credit score to drop a lot. 
I have never missed a payment. I have never been late on a payment. In fact my payments are usually higher than the minimum due. 
My credit score will take 3 or mores years to repair from this. what can I do about this
Product: Prepaid card

I have two AMEX gift cards for {$100.00} each, and can't use them anywhere. I have tried in store, gas stations, and online, and looked at their website for help. They are supposed to be active and ready to use. I followed all the suggestions, and found a list of retailers on their website that they say work online, and tried several of them as well, and still can't spend my money. I even tried small purchases of {$25.00} to see if that would help but no luck. I just want my money back. The number listed on their card just goes to an automated system, and is unhelpful. This feels like a scam. 
**The form is only letting me list one card number, so I will have to give the other later**
Product: Credit card or prepaid card

I was charged by SONY entertainment for a renewing membership of something I no longer use. The card they used expired in 2019 and doesnt even have the correct address information. They refused to help me when I reached out. I contacted XXXX ( the financial institution of said card ) and they refused to help claiming the merchant does not need accurate up to date information to charge me. How does that make sense? How are we so backwards that a company may charge my card when the information I had originally given them clearly listed 2019 as the expiration of said card. Even on their own website it says EXPIRED in bold red letters. XXXX refused to help me as well.
Product: Checking or savings account

I read an article highlighting that the interest rate on my Capital One savings account is significantly lower than newer accounts at Capital One. I currently am receiving only .30 % APR while newer accounts with Capital One are earning over 4 %.
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the XXXX XXXX XXXX below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I made outreach to Equifax to advise them there was incorrect information on my credit report. They initiated a dispute. Less than 30 days letter my dispute was resolved. 

This credit bureau states my accounts were properly investigated but how is that possible if the open date, last date active, collections account reporting as late, date last reported and original creditor is either missing or completely inaccurate. This is ground for removal as they also have violated my rights under 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 also states a consumer reporting agency can not furnish an account without my written instructions XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account XXXX XXXX Account XXXX Due to this incorrect reporting accounts, I am being charged a high interest rate of 7.2 % for my car loan and over 25 % in credit card interest as well. This is requiring high payment amounts monthly and it is unjust for this to continue causing hardship to me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact the collection agency and the company that is claiming I owe this debt. I have even attempted to resolve this with the credit bureaus. XXXX XXXX XXXX XXXX XXXX is claiming that they evicted me from my apartment in XXXX 2013. They even filed an eviction against me and is being reported on XXXX XXXX. I have supplied them with proof ( my lease ) that I was not a resident of this apartment at the time they filed the eviction. I had moved out almost 3 months prior to this. I submitted proof of my notice to vacate, the email response to my notice, and a rental history verification where they acknowledged I turned in my notice. The proof they keep submitting is a auto generated bill statement where they applied charges that were not mine ( the base rent does n't match the base rent included on my signed lease ), including legal fees, and charges for damages. They claim the proof of these damages is a move-out condition sheet which the apartment number/address is missing, the resident 's name is missing, and the lease start date is incorrect. XXXX XXXX did submit my signed lease. A portion of it anyways and the lease does not match their so called supporting documents. This has cause me to loose out on being able to rent elsewhere and damaging to my credit. This has being ongoing trying to get this matter resolved. My next step will be legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is still saying that I have a balance on this account and has still been flagging my account as " Late '' since it was settled by the courts on XX/XX/XXXX. I don't have the full account number, but my XXXX credit report lists the first 12 digits as XXXX. 

XXXX XXXX garnished my wages until the account was satisfied on XX/XX/XXXX. The Superior Court of the District of Columbia case number for this matter is XX/XX/XXXX XXXX XXXX. A copy of the court document is attached. 

Also, I've attached the results from my recent XXXX dispute and a printout of what is currently showing on my TransUnion report via XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I filed a dispute with Experian regarding the multiple bankruptcies with similar filing dates that they are reporting. They responded that XXXX verifies and validates the public record information that they are reporting. Around the same time I called XXXX and they were unable to locate a file matching my name, dob, and address. They also advised that they download data from the Pacer system that does not provide social security numbers, and dates of births. XXXX stated that Equifax is responsible for matching this data to date in their credit file to ensure the accounts are reported to the correct person. I have asked Experian multiple times how they verified and validated that these bankruptcies belong to me without using my social security numbers. They responded that they verified this information with the US Bankruptcy Courts. Please see the attached letter from the US Bankruptcy Court showing that Experian lied and did not actually validate or verify the information they are reporting. In fact they fraudulently reported inaccurate information knowing they never actually verified this data.
Product: Debt collection

Rented a home from XXXX XXXX XXXX in XXXX, in XXXX KS. Sent them 30 day notice in XXXX, stating that i was moving out of the property due to mold and other property issues that the management failed to address ( the home had flooded at least 3 times, causing water damage to the carpets, ceilings, etc. ). In XXXX of that same year, XXXX, XXXX, had sent me a letter asking me to either turn in the keys or an eviction would be filed. No eviction had ever been filed as I returned the keys. A move out inspection was performed w/o my being present, despite my asking to be. I did ask for pictures, but no response was ever given. 
A year later, I received a notice on my credit report from a collection agency, not National Credit Systems, that I owed {$5800.00}. When I inquired about it, i was sent an itemized statement, listing damages that were mostly due to flooding that had happened in the home. In addition, they had charged me for rent after I had left, despite having kept my deposit and owing me money for " concessions '' due various issues i had faced while living in the home. When I called XXXX XXXX XXXX, the original creditor, to inquire about these charges, they could not find my file. I then contacted that collection agency and demanded they cease collections as the debt could not be validated. 
Now the debt is being handle by National Credit Systems I have asked them to validate the debt. Instead, they have the debt listed in my credit file as a " medical debt '' when, in fact, it is NOT a medical debt. 
As the original creditor has no record of this debt on file and is unable to verify/validate this debt, National Credit Systems has no legal standing to collect on this debt.
Product: Debt collection

student attended a private school to obtain XXXX license. student loans were taken out to pay for her education. but school was shut down during enrollment. when a school shuts down student loans are allowed to be discharged and not made responsible to pay back. the loan servicer for these loans were contacted and paperwork for loan discharge can be filled out and submitted to process this. but a separate statement from " XXXX XXXX '' was a couple months back for an amount of around {$2000.00} and then another one received again but had jumped up to a different amount for about {$5000.00}. So if loans are not in default and are eligible for discharge what is this separate balance? this school was The XXXX XXXX XXXXs College and they shut down this year. The owner did file bankrupt so not sure if this is a way for him to collect money any way he can. But as far as the education attempted here and not completed the financial aid was to pay for that under Title IV funding. I have the NSLDS print out with the amounts and loans owed but are not in default at this moment in time and are eligible for discharge. This is also not the first case that has been heard of the school sending out these notices to previous student trying to collect money in amounts that don't match or add up. with further questioning and investigation they do stop asking for payment. So that is why this seems fishy and an investigation is needed on both the XXXX XXXX that sent out the notice and the former school The XXXX XXXX XXXX College. I have already contacted loan servicer, attorney general and consumer finance bureau and in submitting this i hope there is action taken given all facts and paperwork to support.this balance i should not be repsonsiible for as i have paperwork supporting what i owe and will be discharged and from the school have received nothing to support this supposed debt owed to them personally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent identity thief reports to each credit bureau and Equifax is the only bureau stating they have not received my documents. I sent certified mailed in XXXX and XXXX along with a fax. Each time I call the company states they did not receive my documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX, Transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

According to the 15 U.S.C 1681 section 602 A. States i have a right to privacy. 

These addresses do not belong on my credit report XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is continuing to report a 30 day late payment on my credit card, despite telling me it would be removed by the credit bureau. The late payment is showing up in XXXX of XXXX. During this time I was caring for my sick grandmother and dealing with other XXXX related medical issues, and Bank of America 's hardship policy was supposed to help consumers in situations like these by not reporting late remarks that were associated with XXXX hardships. 

During a telephone call on XX/XX/XXXX, Bank of America 's representative XXXX ( XXXX # XXXX ) instructed me that the credit bureau would remove the late notation, if I contacted them directly. Based on this telephone call, I immediately contacted the credit bureaus requesting removal of the erroneous late payment. On XX/XX/XXXX, I received a response from XXXX XXXX stating they conducted an investigation and determined the disputed information was verified as accurate. 

During a telephone call on XX/XX/XXXX, Bank of America 's representative XXXX ( ID # XXXX ) said that she saw the notes about the late payment and that she did not have the ability to change the credit reporting. She said that the issue was under review and a decision had not yet been reached. She said I would be receiving a call from XXXX XXXX, which I never received. 

After my call on XX/XX/XXXX, I received a letter in the mail from Bank of America, dated XX/XX/XXXX, which contradicted what I had been told over the telephone. The letter stated " We didn't identify any payment record errors related to this account. As such, the delinquency is valid. '' This letter shows that a decision had in fact been made, which was contradictory to what representatives at Bank of America were telling me.
Product: Debt collection

Medical bill not owed. I currently have XXXX XXXX XXXX The bill should not have been sent to collections and reported the credit bureau. This has resulted in my credit reports decreasing tremendously. I contacted the collection agency was told that I would have to contact my health insurance to resolve this matter. I have been denied several credit applications due to this medical debt reflecting on my credit report. I am now mentally affected by this matter. I worked hard to clean up my credit and tired disputing this matter with the credit bureaus with no positive outcome. 

The two responsible parties : Attorneys Office : Lockhart Morris Montgomery XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX Original Creditor that sold the debt in error : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and Correspondence Address : XXXX XXXX XXXX XXXX, WI XXXX XXXX Main Billing Number : XXXX Fax Billing Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has refused to remove inquires that were not authorized by me. They have said they have done investigations but this is a complete lie! This is illegal to report
Product: Credit reporting or other personal consumer reports

This is related to my initial complaints. I have completed my identity theft kit as the XXXX Bank requested. I am victim of identity theft. I have discovered that my accounts were compromised. I reported these to you and you helped me remove some of them and for that I am thankful, but some items require more information and they were left on my reports. Please help me. I am already XXXX and I have no one else to help me sort this out. Life has been really hard since the pandemic hit and I need my credit report to to apply for loans but I can't get approved because these fraudulent accounts and inquiries. Please remove them ASAP. This is my last shot in life. I have reported this to the credit bureaus but they don't seem to care. I have attached in this report my FTC report as well my ID, SS card copy, and proof of address.Here are the fraud accounts and inquiries that I need to be removed : FRAUD ACCOUNTS : XXXX - XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XXXX - XX/XX/XXXX, XXXX XXXX- XXXX - XX/XX/XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX FRAUD INQUIRIES : XXXX XXXX  XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX XXXX  - XX/XX/XXXX, XXXX XXXX XXXX XXXX  - XX/XX/XXXX. For XXXX, I have paid them because they kept on harassing me even after I notified them that my identity was stolen. I've disputed that account and we are still fighting about it. It was an unauthorized charge. They don't want to support me. So I keep disputing it. That blood money was paid in full directly to the branch manager XXXX XXXX. He can vouch for this. I have attached the proof as well. I have contacted XXXX XXXX about their situation. I have the statements proving that there was 2 years between the first charge and the one in question. They have opened another dispute about it. Also I called XXXX  bank to see if the manager was still there that I worked with. But he wasn't. They don't even know the account I'm talking about. How can they put a bad mark on my credit if they don't even have an account number??? They said they would try to help. But I'm not gon na hold my breath.
Product: Credit reporting or other personal consumer reports

A collection account is reporting open and with a past due balance and late payment. Per the us law a collection account can not be reporting as open or with a past due balance. When I attempt to dispute this with usc codes etc all XXXX XXXX does is right back its verified to be my account. They are not addressing the inaccurate reporting or changing it as they should by law I ALSO SPIKE TO XXXX WHO STATED ALL THEY DO IS CALL THE COMPNY ON THE REPORT AND ASK IF THEY HAVE AN ACCOUNT WITH MY NAME THAT IS ALLTHE VERIFICATION THEY DO. I HAVEREQUESTED ALL VALIDATION FROMTH3COLLECTION COMPANY ANDTHEY NEVER SENT IT TO ME EITHER