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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$75000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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. 

account name : XXXX  account number : XXXX account name : XXXX XXXX  account number : XXXX account name : XXXX XXXX XXXX  account number:XXXX account name : XXXX  account number : XXXX account name : XXXX account number : XXXX account name : XXXX  account number : XXXX account name : XXXX  account number : XXXX account name : XXXX XXXX  XXXX  account number : XXXX account name : XXXX XXXX XXXX  account number : XXXX account name : XXXX account number : XXXX 15 u.s code 1681 section 602.a. states i have the right to privacy 15 u.s code 1681 section 604 section 2. also states a consumer reporting agency can not furnish a account without my written instructions ( in which i have given no instructions to do so ) 15 u.s code 1681 c. ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s code 1681 s-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 ( which i have printed my credit report and found many inaccurate items, which violates my rights over and over throughout the report. ) i sent out an investigation letter to all 3 credit bureaus XX/XX/2022 as of XX/XX/2022 i have not received results from experian nor did none of the bureau send me a letter within 5 days stating they started the investigation i also specifically asked withing the letter to be notified of whom access to my credit report which has failed to be provided
Product: Debt collection

Requested proof that this debt belongs to me over 3x 's with no reply
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my information to obtain a XXXX account, open a line of credit for XXXX XXXX XXXX, and preferred lease. 

i have requested this be removed on several occasions.
Product: Credit card or prepaid card

As of XX/XX/2018 Synchrony Bank/XXXX XXXX Credit card was closed. I wasnt informed of this action from the company intil a month later. When I received notication from my credit monitoring service. I called the company and the representative stated that the company had pulled my credit report ( this was done without my consent ) and decided to close my account because I wasnt using the card and because my credit score had decreased. This is a furniture card. It is not customary for people to make major purchases for furniture often. Also, I had never been late paying any payments on this account and I paid off my balance earlly. I had a XXXX balance. I just think thats its unfair to close an account held by a good paying customer due to the response they listed. This account closure has significant affected my overall credit score because by loosing this account it increased my overall credit card useage. Its not right for a company to try, for no reason, to put a person in financial distress.
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX I tried to manage my netSpend acct on line but found it blocked. Upon contacting customer service I was advised that my acct had been closed on XXXX/XXXX/XXXX for " unacceptable acct usage pattern '' and that I was " no longer eligible for netSpend services. '' I waited 45 minutes for a supervisor who informed me that she could not tell the exact reason as my acct was closed by XXXX, but said they did not have the phone number for their parent company. On XXXX/XXXX/XXXX I called XXXX to inqure further about the reason for my acct closure. XXXX denied any responsibility for acct terminations which the rep assured me was at the sole discretion of netSpend. On XXXX/XXXX/XXXX I contacted netSpend and spoke to a supervisor again attempting to obtain an understanding of what transpired with my acct. This time I was told that such information was not available since my acct was " no longer accessible '' due to its closure. When I asked for the regulatory agency responsible for netSpend operations, I was transferred to the risk management voicemail line. I left a clear message with my information. As of XXXX/XXXX/XXXX, I have not received a call back. On XXXX/XXXX/XXXX I received a check from netSpend for {$44.00}, the balance from my acct at time of closure.
Product: Credit reporting or other personal consumer reports

RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : Address, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Georgia XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : First name, Last Name XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

HELLO. I HAVE FRAUDULENT NAMES ADDRESSES ON MY CONSUMER REPORT ACCORDANCE TO USC 6801a PROTECTION OF NON PUBLIC PERSONAL INFORMATION ALSO USC 6802 1681b NEVER GAVE WRITTEN CONSENT TO HAVE THESE FRAUD NAMES ADDRESSES TO BF FURNISHED 10 MY CONSUMER REPORTS IF you HAVE XXXX XXXX XXXX! ER you SENT ME AND 1 RETURNED THE LETTER PLEASE SEND IT TO MY CORRECT ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX you ARE BREAKING THE CONSUMER LAW TWICE ALSO USC 1028aoc AGGRAVATED IDENTITY THEFTDELETE THESE FRAUD NAMES, ADDRESSES THEY READ : PLEASE DELETE XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MY XXXX GIVE NAME READS : XXXX XXXX I HAVE SENT PROOF AS WELL WITH THIS AFFIDAVIT ALSO YOU ARE SETTING ME up FOR IDENTITY THEFT AND FRAUD IF A SCAMMER GETS MY INFO you WILL BE LIABLE AND SUED PLEASE CORRECT MY CONSUMER REPORT STOP BEING GREEDY THX YOU VERY MUCH.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information sometime in XXXX and has confirmed it through the site they provided to check if I was affected. This has led to a breach that puts myself and over a million of other at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. Equifax as well as other credit reporting industries should be required to use proper, and common sense, security measures to secure data going forward. Being forced to use a credit checking service due to the nature of how credit works, and the fact they are such a cornerstone for this type of service makes this breach inexcusable and clearly proper security measures were not in place nor acted upon. The fact this breach went unreported or dealt with for so long shows serious negligence and a lack of concern for the sensitive material they are privileged to handle. Equifax should be forced to compensate ALL affected customers for mishandling their information and for all current and future damages caused by this breach. Also more than 1 year of credit monitoring should be offered due to the nature of the information taken and the fact that it could effectively be used within the rest of any of our lifetimes. 

This is a serious breach that exposes myself and over a hundred million others to credit fraud, stress, and potential hardship and I fully expect Equifax to be dealt with to the fullest extent of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was about to start the process of buying a home and went to meet with the lender and found several inquiries on my credit that are not mine. Ive contacted the credit bureaus regarding this but has no response. Im doing this on my own behalf. Please help me and the inquiries are XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX/XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting on my credit report, this account doesnt belong to me.
Product: Credit reporting or other personal consumer reports

To whom this may concern, This account was charged off on the following date for TransUnion XX/XX/XXXX. XXXX has a date of XX/XX/XXXX. Since then, the date of last activity has been incorrectly updated on TransUnion and XXXX with the date of last active XX/XX/XXXX. Since then, the account has repeatedly been updating as a charge off. This reflects as update on this account. A charged off account should not include updated history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights as a consume. Im demanding a deletion of the following accounts. If the information is coming from the original creditor the dates should be the same. We can not say theses accounts are 100 % accurate so it is deemed inaccurate. Please, delete this account from my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed XXXX XXXX in XXXX, FL XX/XX/2022. I only had a few creditors in it. DISCOVER CARD is showing as XXXX of those filed for petition of XXXX  XXXX and THIS IS INCORRECT. THEY WERE ALWAYS PAID AS AGREED AND THE LAST STATEMENT I RECEIVED SHOWED XXXX BALANCE. I have disputed thru all three bureaus and it never us corrected. I CALLED DISCOVER ON XXXX @ XXXX spoke to BK DEPT XXXX XXXX She said since they received notice from middle XXXX  that I had filed, this is how they report? I told her that they are in violation of fair credit act and deceiving misreporting me. She spoke to supervisor XXXX. They said it would be CORRECTED. I DEMANDED A LETTER TO CLARIFY THIS. They sent one letter stating the account has been closed but NOTHING about removal of XXXX  XXXX filing. I have reviewed my reports weekly and nothing has been done.
Product: Debt collection

In XXXX I owed Citi Card XXXX. I was undergoing some very severe hardships due to my husbands illness. I had to cut back on my job. I finally agreed to start paying back the debt. I thought the fees stopped accumulating when I stopped the card. I had them take XXXX a month out of my bank .This went on until XXXX. I noticed I had a few extra dollars in my account. When I spoke to a lady at my bank she said it was no longer being taken out. I got the number from her. She said it wasn't like a normal withdrawal. The only communication I had in all this time with Citi was a letter stating they would be withdrawing their money. There was no balance or any communication.So I just assumed they were paid. Then I get a letter from XXXX XXXX saying they had taken over the account. This was in XX/XX/XXXX. The balance was XXXX had called Citi Cards and got someone who spoke ragged XXXX and when I tried to explain why I was calling I got an mean attitude. So I called XXXX. The gentleman I spoke with was very nice .He said he would send me what they had got from Citi.I feel like Citi continued to charge late fees even after card was canceled.
Product: Credit card or prepaid card

I received a retroactive interest rate refund this past summer from Citibank annotating that my account 's high APR increase was identified as eligible for the rate reduction due to their review they do every six months pursuant to Regulation Z and the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act. My refund pertain to the high rate I was charged due to flaws ( so they say ) in their semi-annual APR review methodology and I was given credit for this from XX/XX/XXXX thru XX/XX/XXXX. Per Citibank, it also included an amount for foregone earnings on the excess interest charged. The letter continues with them stating that they have corrected the APR on my account. Upon receiving this letter ( via email ) and already receiving the refund, I immediately checked my account but as shown on my statements since XX/XX/XXXX, the APR had not been reduced, I am and have been since at 29.9 % APR. I immediately reached out to Citibank and explained what I have noticed and about my letter along with the refund. I was advised at that time that since I was on the list of refunds just recently reviewed and submitted, that it will take about 1 billing cycle for my account to show the lower APR and that I would also receive another refund based on this high amount still on my account on next review but to contact them if I do not receive my reduced APR. Well, I have been very patient and gave them over 1 billing cycle but still no reduced rate. Today, XX/XX/XXXX, I reached out to Citibank again. This time given basically the same line but this rep added that my account will need to go up to MGMT for review to see if I am able to obtain a lower APR. I explained to her, this is not what I was informed the first time and not what is stated in this letter ( via email ) I received in XXXX. So in turn, I said fine, keep sending it up for review and I will file a complaint because there is no reason for me to still receive the higher APR rate.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had three late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting or other personal consumer reports

Date : XXXX TransUnion XXXX Subject : REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY Inquiry made by : XXXX XXXX XXXX Inquiry made on : XX/XX/2023 Inquiry made by : XXXX XXXX XXXX made on : XX/XX/2023 Inquiry made by : XXXX XXXX XXXXXXXX XXXX made on : XX/XX/2023 To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act XXXX as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of deletion
Product: Credit reporting or other personal consumer reports

I sent over my dispute for all of the impermissible information on my credit report that have been collected and resent inaccurate. There are many violations that have been placed in my first dispute and my response to the investigation. I did file a fraud report being as though I had been robbed 4 times of a huge total, but separate times from my accounts. 

My advisors suggest that I Iock my accounts with the credit unions while the investigations are being looked over. Which I locked by phone or on-line. I have been going through all my information provided in the investigation and my concern is the report was not addressed in the beginning. I was a sent an investigation report from a third party of TransUnion that reported more items than I received when I pulled my report. Multiple claims after my filing was on my report from years of inaccurate information, such as collections, addresses, phone numbers, employment history, both review and regular inquiries, etc, things not associated with me. There are accounts I've never seen before and I see multiples access to my account from the same credit department without my consent which is a violation to the FCRA, 609 stipulations, and several 15 USC Laws. These impermissible violations has made the fraud situation more stressful than I anticipated it to be. I feel extremely XXXX in more was then one with this credit union.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Attn : Customer Service XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request for Removal and Deletion of Personal Information XXXX XXXX # XXXX, # XXXX Dear Sir/Madam, I am writing to request the removal and deletion of my personal information from XXXX XXXX 's records and databases. It has come to my attention that there is inaccurate information associated with my name, and I wish to have my profile entirely expunged from your system. 

I want to emphasize that I have never engaged in any business dealings with XXXX  XXXX, nor have I ever held any accounts, made payments, or otherwise interacted with your company. Yet, there appears to be erroneous data attributed to me within your records. 

In light of the aforementioned, I kindly request that you promptly undertake the necessary actions to remove and delete all information related to me, XXXX XXXX, from your system. This includes but is not limited to any accounts, personal data, and associated records. 

I understand the importance of data accuracy and compliance with data privacy regulations. I trust that XXXX XXXX will take the necessary steps to ensure that my information is completely removed and that any traces of my presence within your databases are permanently deleted. 

I kindly request written confirmation that my information has been successfully removed from XXXX XXXX 's records. This confirmation should outline the specific actions taken to address this matter. 

I appreciate your immediate attention to this request and look forward to a swift resolution. If you require any additional information or have any questions, please do not hesitate to contact me at [ Your Phone Number ] or via email at [ Your Email Address ]. 

Thank you for your assistance in resolving this matter. 

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

I have new and updated information from the credit reporting agency TRANS UNION. TRANS UNION did not comply with a proper investigation when I disputed the fraudulent hard inquiries on my consumer report. I am entitled to verifiable information and proof of a proper investigation pursuant to 15 U.S.C. 1681i ( a ). TRANS UNION responded by stating that I did not include my address on the FTC Report and they could not delete those inquiries because of that reason, although when filing an FTC Report form it does NOT require my address information in order to file a successful fraud complaint. This is a violation of my Federal rights because I have alerted and made TRANS UNION aware of the fraudulent, inaccurate and unverifiable information on my consumer report and they continue to report these fraudulent inquiries.This is causing me a great deal of emotional distress. I have provided a SECOND Identity theft report with my address in attempt to comply with TRANS UNION 'S request although the FTC does NOT require the address in order to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some accounts on my credit reports that I do not recognize