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

Subject : Request for Account Blocking and Deletion Due to Data Breach I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name, including the following, be blocked immediately : XXXX XXXX : XXXX Account Number : XXXX 2. 15 USC 1681i Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. 15 USC 1681e ( b ) This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. 15 USC 1681g ( a ) I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. 15 USC 1681m As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. 15 USC 1681n I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response within 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX : {$5000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$6200.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX XXXX 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

The following collection companies continuously harass me on a daily and they do nothing but try to get me to say I'm XXXX XXXX, they will even make up stories or lies to get me to confirm its me, XXXX XXXX XXXX {$980.00} XXXX XXXX  XXXX {$920.00} XXXX XXXX XXXX {$520.00} Re : Complaint against Harassing Collections Practices Stemming from Identity Theft I am filing a complaint due to ongoing harassment from ABOVE collections companies. These calls have been causing undue stress and inconvenience. Moreover, these alleged debts are not mine but are the result of identity theft that occurred in 2018. 


I have been receiving frequent and intrusive calls from various phone numbers, often in the early morning and late afternoon. These calls are disruptive to both my personal and work life.
Product: Credit reporting or other personal consumer reports

I acknowledge the partial removal of fraudulent items from my credit file, originating from alleged fraudulent activities, yet several entries remain that necessitate deletion. As a victim of fraudulent activity, I am submitting an additional request for the removal of these items in compliance with FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the elimination of such entries no later than four business days following XX/XX/XXXX. This issue has been previously highlighted in my correspondence and FTC report, now reinforced with a new FTC Report # XXXX. The details of the items still listed, which are unfamiliar to me and have been expunged by other bureaus, raise concerns regarding their validity. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXXXXXX XXXX XXXX XXXX XXXX, KY XXXX. This communication serves as a formal notice and complaint. Failure to remove the aforementioned items will compel me to pursue legal action. My legal counsel has been informed of these intentions and is prepared to address your noncompliance through litigation. This notice is issued as a new request for the deletion of entries stemming from alleged fraudulent activity.
Product: Credit reporting or other personal consumer reports

I received a letter in the mail stating that the items that I disputed were verified as accurate As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit report, I found that part of the information was inaccurate. The 3 credit bureaus are obligated to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unverified information without offering any justification within the legally required time range. The following false information in my credit report needs to be looked into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have been in contact, and have received a letter, from the office of the chairman with citizens bank. I have been told that since i have received a refund in the past, that i am not alligable for another. This is despite the evidence of foul play provided to XXXX XXXX, who manages these types of complaints with citizens. This bank has manipulated my account by ; failing to update transactions, altering the order of deposites, holding deposites, double foreign atm fees, random service charges, and not following their own policies regarding posting orders. I was contacte3d by XXXX XXXX, and before reviewing my proof, he made the statement that there would be no refund. He refuse3d to review the evidence provided through email which documented the banks illegal activities to obtain their fees.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX To Whom It May Concern, Subject : Inaccurate Credit Reporting Request for Immediate Deletion ( 15 USC 1681s-2 ) I am writing to formally notify you of an ongoing issue regarding inaccurate information reported by your company to the credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ). As a furnisher of credit information, it is your legal responsibility to ensure the accuracy and integrity of the data provided. 
The specific account in question is as follows : Account Name : [ XXXX ] Account Number : [ XXXX Current Reported Balance : [ {$1700.00} ] It is my understanding that this debt was charged off by your company, and I have reason to believe that a Form 1099-C was issued, which memorializes the cancellation of this debt. According to IRS guidelines, a debt cancellation through a Form 1099-C should no longer reflect as a balance on my consumer credit report. The continued reporting of this balance is therefore inaccurate and misleading. 
This inaccuracy constitutes a clear violation of the FCRA, as you are required to report only truthful and accurate information. With full knowledge of this error, you are obligated to correct it immediately. 
To rectify this matter, I request that you provide me with the following : 2. A return of the time and form prescribed by regulation or the Secretary, including : o My name o My address o My Tax Identification Number ( TIN ) o The date and amount of the discharged/charged-off debt o Any other relevant information as required by the Secretary If you are unable to provide the requested documentation and proof, I demand that this account be removed from my credit report in its entirety. Failure to comply with this request may result in legal action, as I will not hesitate to engage retained counsel to protect my rights under the FCRA. 
Please respond promptly and confirm the actions taken to correct this issue. All correspondence related to this matter should be sent to the address listed above. 
Thank you for your immediate attention to this matter. I look forward to your prompt and favorable resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX DOB : XX/XX/XXXX SSN : XXXX
Product: Student loan

NelNet debited three payments from my checking account without my authorization. The payments totaled over {$1000.00}. I did not authorize automatic debits from my checking account. I now can not pay my rent or car payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX stopped reporting my account and generating statements when I started to pay down the balance. I had an outstanding balance of {$810.00} as of the last generated statement in XX/XX/2023. I paid {$300.00} on XX/XX/2023. I paid an additional {$510.00} on XX/XX/2023. A statement has not been generated since XXXX which I find odd since after that statement I started to pay down. I reached out to grain via support email, since they do not have direct access to someone via phone, and XXXX XXXX ( XXXX XXXX Customer Support ) stated on XX/XX/2023, that my account would be reported as paid off to XXXX and the status would update to Account Paid in Full- Charge Off. Well, I have not seen the update, disputed the information with Transunion and XXXX on XX/XX/2023, and today, my disputes were marked as a complete and the results stated that XXXX has verified that my account is still past due with a balance of {$810.00}. I have been very unsuccessful at contacting someone to speak to them on the phone. This is unethical as I have done the right thing on my end by paying what I owe in full. I can log in to the account and see a XXXX balance, however I can't supply the CRAs with a statement as part of my disputes since XXXX XXXX has not generated XXXX for me since XX/XX/2023. They claim it is because the account was in a charge off status, but they have reported at least the last year to the CRA every month, although the account was in a charge-off status then. I think XXXX XXXX is being highly unethical right now and is intentionally not updating my information with the credit reporting bureaus.
Product: Vehicle loan or lease

Go Financial is reporting a outstanding balance When I got the car I wanted to give it back because the check engine light came on the week I got it ... The bank told me I could not give the car back and I had to get it fixed ... I call and told them the car was two months old and the car cut off and would not start back up ... They would not go to where the car was they said I have to get it back in front of my door ... Go Financial started calling my job threating employee stating the police would come to my job if I didn't put the car at the address on file ... them they finally stop .... Now I have a {$10000.00} debt on my credit from a lemon from the start
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  # XXXX XXXX # XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was told to enter info to correct an account from XXXX  still showing unpaid. Some how my info became a membership XXXX of which I would never agree too. I have XXXX credit score even with this old account. Now seeing charge on account. Finally contacted live person they said 2 charges, one last week and could only refund one. Asked for supervisor, asked for different number to not play merry go round. No supervisor and disconnected. 

Not only did they not remove XXXX  XXXX  paid bill, which I'll never pay was a XXXX issue after being with them for XXXX  years. Now they are charging me for monitoring I would never agree too. Want both XXXX charges refunded and the XXXX  account removed. 

Ps. How is it OK that credit reporting agencies get to charge you for doing their job??
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like for Equifax to remove my credit inquiries
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  Account Number : XXXX
Product: Vehicle loan or lease

I have responded to them about the pricing of their vehicles in person and to the main corporate headquarters in Arkansas the manager of the XXXX XXXX called me and asked me what she could do to help resolve this problem my response was to either lower the vehicle prices for to buy them back the supervisor informed me that she could not lower the price nor could she buy the vehicles back. I spoke with people in Arkansas and in XXXX Missouri on or around XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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

Dear Consumer Finance Protection Bureau, I am writing to file a complaint regarding inaccurate information on my credit report that is the result of identity theft. On XX/XX/2023, I submitted a dispute to Experian regarding this information. As of today 's date, I have not received a response from the credit reporting agency, even though they are required to investigate and respond to disputes within 30 days, as outlined in Section 605B of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I believe that the credit reporting agency did not have written instructions from the creditor to report the information in the first place, and therefore the information is not only inaccurate but also should not have been reported. The credit reporting agency 's failure to properly investigate and correct or remove this inaccurate information is a violation of Section 611 ( a ) ( 5 ) ( A ) of the FCRA, which requires that the agency investigate and correct or remove inaccurate information within 30 days of receiving a dispute from a consumer. 

In addition to the above violations, I believe that the credit reporting agency 's inaccurate reporting of my personal and financial information is also a violation of my right to privacy. The inaccurate information on my credit report has the potential to negatively impact my ability to obtain credit, housing, and employment, and could lead to further identity theft and fraud. 

Furthermore, I believe that the credit reporting agency 's reporting of this fraudulent information is in and of itself an act of identity theft, as they are knowingly reporting false information about me to potential creditors, which can harm my creditworthiness and financial wellbeing. 

Given that the credit reporting agency failed to respond to my initial dispute within 30 days, I am now filing a brief statement under Section 611 ( a ) ( 5 ) ( A ) that describes the nature of the dispute.

I am requesting that the credit reporting agency promptly investigate and correct or remove the inaccurate information from my credit report, as required by law. I am also requesting that the CFPB take appropriate action to ensure that the credit reporting agency complies with all provisions of the FCRA, including protecting my right to privacy and preventing the reporting of false information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

* Dates are estimated* In  XXXX   XXXX  I made an arrangement with   XXXX   XXXX   to pay {$2400.00} as a settlement for my Home Depot  ( Citi Bank ) credit   card.   I made  three  payment of {$400.00}.  XXXX  -  XXXX . In  XXXX  there was some confusion. My bank returned the original check but  XXXX  made a second attempt ( redeposit ) that the bank cleared. I made a total of {$1600.00} of payments.     In  XXXX   XXXX  the ACH did n't show up automatically so I tried to make a payment by phone. I was to ld Citi Ba nk had pulled the account back and they could no longer accept payments.     In  XXXX   XXXX  I was contacted by  XXXX   XXXX  and told the settlement offer of {$2400.00} would be honored but they did n't have any record of previous payments. I contacte d Citi Ba nk but never received any additional information or closure. I also made calls to  XXXX   XXXX  who said all files were sent back to  Citi B ank.     In  XXXX   XXXX  I contacted both  XXXX   XXXX  and  Citi  Bank.  XXXX   XXXX  is asking for a settlement amount of no less than {$5000.00} - greater than the original balance . Citi sa id the payments I made to  XXXX  were not applied to my account and can not verify the settlement agreement.     I have been going back and forth w ith Citi Ba nk and  XXXX   XXXX  since  XXXX   XXXX .
Product: Credit card

I was preparing to make a purchase with my credit card but it was declined and when I called, the customer service rep. advised me my account was closed. She could not give me an explanation as to why. I had always paid my credit card on time and my balance was XXXX with a credit limit of XXXX. I asked the rep why I was never notified and she just kept apologizing, she tried to say they emailed me ( which they never did ) and when I asked for a date as to when they emailed me, she couldn't tell me. AND CONVENIENTLY I JUST received a letter from the credit card company ( over a month after they closed it ) BASICALLY TELLING ME they ran my credit and that's why they cancelled my card!!!!! I was in a motorcycle accident XX/XX/year> and was out of work for 3 months with NO pay and still made all my payments for my credit cards and car loans ON TIME!!! I wasn't even carrying a balance on this card! Disgusting these companies get away with this!!!! SHAMEFUL!!! This has brought down my credit score because they CLOSED THE ACCOUNT, people who see that don't know why it was closed, they'll obviously see it as negative mark, it also brought down my available credit. WHY CAN NO ONE UNDERSTAND WHAT THIS DOES TO NORMAL PEOPLE LIKE ME WHO HAVE OVERCOME MANY STRUGGLES AND WORKED HARD TO IMPROVE MY CREDIT TO GET OUT OF THE XXXX I LIVE IN. I fought XXXX XXXX and some of my credit cards got me through the financial hardship of that journey, so please thank ALLY CREDIT CARD FOR CANCELLING MY CARD AND I THINK there should be rules for these XXXX  also! Consumers get penalties and all kinds of horrible repercussions but these XXXX can just cancel a card because they feel like it AND DWON GOES MY CREDIT