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

To Whom It May Concern, I am writing to urgently address a matter of identity theft concerning my account with Self Lender ( account number XXXX ). I have recently discovered unauthorized activity on this account, which I have reported to the authorities and obtained a notarized police report as well as filed a report with the Federal Trade Commission ( FTC ). 

Despite my efforts to resolve this matter, I have encountered significant challenges in receiving assistance from Self Lender representatives. Their handling of this situation has been both unhelpful and, regrettably, rude. 

Under Texas consumer laws pertaining to identity theft, it is imperative that swift action be taken to rectify this situation. As such, I am formally requesting the immediate removal of any fraudulent activity associated with my identity from the aforementioned account. 

Attached to this correspondence are copies of the notarized police report and FTC report for your reference and records. 

I trust that Self Lender will adhere to the necessary legal procedures and promptly resolve this matter in accordance with Texas consumer protection laws. 

Thank you for your attention to this urgent matter. 

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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
NATIONSTAR MORTGAGE XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am submitting this complaint in response to a fraudulent credit inquiry by XXXX XXXX, which appeared on my FactorTrust credit report dated XX/XX/year>. I did not apply for any loan with XXXX XXXX, and this inquiry was made without my knowledge or consent. 

I contacted FactorTrust to dispute the inquiry and was advised that the application used a date of birth that does not match mine, along with a phone number and address in Tennessee that I have no connection to. These are clear indicators that my identity was used fraudulently.

Despite this, FactorTrust is requiring me to mail in a copy of my FTC Identity Theft Report, a government-issued photo ID, and a utility bill in order to proceed with the investigation. While I understand the need for documentation, I find it troubling that FactorTrust will not take further steps based on the obvious inaccuracies in the reported data. 

At this time, I have not yet submitted the documents but intend to do so. However, I am filing this complaint with the CFPB to ensure there is a formal record of this incident and to request that appropriate action be taken to investigate and remove the unauthorized inquiry from my FactorTrust credit profile. 

FTC Report XXXX : XXXX
Product: Checking or savings account

I have the receipts for All the scam XXXX transactions from my WellsFargo account that they refused to reimburse me for. Now the lawsuit is supposed to give me the funds back but my account is closed with them. I have the proof of all the XXXX  transactions that was scams. I was scammed for over {$11000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached in writing, by phone and used Experian website. each time of all three of credit monitoring services Experian is the hardest to get resolve with. They try intimation tacks on the phone trying to bulling you towards your complainants. When you point fault, and mistakes and follow the procedures of submitting letter waiting for resolve after 30 days, nothing is done. Experian XXXX the XXXX when it comes to the customer, as if they get something by keeping someone suppressed. I am requesting a close monitor of Experian practices, do your JOB Experian proper for the people!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX/XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, US DEPT ED Account XXXX XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  XXXX XXXX Account # XXXX , XXXX XXXX XXXX Account # XXXX, Account XXXX XXXX, Account # 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
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 XXXXXXXX Account # : 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.

Theres a lot of inconsistencies on my report and is inaccurate.
Product: Credit reporting or other personal consumer reports

Subject : Data Breach Complaint - Unauthorized Access to Sensitive Personal Information Dear Sir/Mmadam, I am writing to file a complaint against Equifax, XXXX regarding the data breach that occurred, which resulted in the unauthorized access to my sensitive personal information. I believe Equifax failed to maintain appropriate security measures, allowing hackers to exploit vulnerabilities and gain access to consumers ' private information. This incident violates various federal laws, including but not limited to, the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act. My information was compromised and impacted as a result of the data breach. 

According to the definitions provided under the Code of Federal Regulations, a " data breach '' refers to the " loss, theft, or other unauthorized access ... to data containing sensitive personal information ... that results in the potential compromise of the confidentiality or integrity of the data. '' ( 38 USC 5727 ( 4 ), https : XXXX # XXXX ). Sensitive personal information, as defined under the FCRA, includes " any information concerning creditworthiness, credit standing, credit capacity, character, general reputation, personal habits, or mode of living which is obtained for use in whole or in part as a factor in establishing the eligibility for credit, insurance, employment, or any other purpose authorized under the FCRA '' ( 15 USC 1681a, https : XXXX # XXXX ). 

Equifax publicly disclosed the data breach, revealing that hackers had accessed the personal information of approximately XXXX XXXX consumers, including their names, Social Security numbers, birth dates, addresses, and driver 's license numbers. In response to this incident, Equifax offered free identity theft protection and credit monitoring services to affected consumers. However, I believe that these measures do not adequately address the harm caused by this data breach, nor do they hold Equifax accountable for their failure to protect consumers ' private information. 

As a result of this data breach, I have experienced significant anxiety and concern over the potential misuse of my personal information. I have taken steps to protect myself, such as placing a fraud alert on my credit reports and closely monitoring my financial accounts for suspicious activity. However, I can not fully mitigate the risks associated with this breach, as the extent and nature of the compromised data XXXX leave me vulnerable to identity theft and financial fraud for an extended period. 

Given these circumstances, I respectfully request that the Consumer Financial Protection Bureau investigate Equifax 's handling of the data breach and take appropriate enforcement action to hold the company accountable for their failure to safeguard consumers ' sensitive personal information. I believe that stronger regulations and penalties are necessary to deter similar incidents in the future and to ensure that consumers ' privacy rights are protected. 

Sincerely, XXXX XXXX
Product: Debt collection

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXXXXXX XXXX  and XXXX XXXXonsumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the XXXX XXXX District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for  accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

XXXX. ) Phoenix Financial Service, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Product: Debt collection

At one point in 2019 I went to XXXX XXXX XXXX XXXX in XXXX XXXX, And despite having insurance and filling out the financial aid form while in the hospital but somehow it was missed placed XXXX someone dollars got turned over to the united collection bureau I have since written the hospital cleared up the matter I have a letter from the hospital saying that I have a XXXX balance disputed this with both the credit reporting agency and the debt collector, Further this particular collection agency violating my civil rights under the Hyppa laws illegally having access to my medical records and giving me no indication what kind of storage practices they keep for keeping that information safe for all I know it could be up on the company bulletin board and I never released the hospital to give my medical records to the collection agency so you guys are my last attempt before I go to court and sue the hospital the collection agent as well as the credit reporting agency for continuing to report false information anfurther this particular collection agency violating my civil rights under the Hyppa laws by illegally having access to my medical records and giving me no indication what kind of storage practices they keep for keeping that information safe for all I know it could be up on the company bulletin board and I never released the hospital to give my medical records to the collection agents so you guys are my last attempt before I go to court and sue the hospital the collection agent as well as the credit reporting agency for  continuing to report false information and refusing to give any copies of what the collection agent reported, this has had a negative effect on my credit and caused me mental anguish that persons who shouldnt have my medical information do, and these people of low moral standards wont remove false information even provided with proof. It is unacceptable that a credit agency which is merely take the word of a collection agent when I have proof and it is even more unacceptable that a collection agent has my medical records in violation of HIPAA laws ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The XXXX and XXXX failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
ACCELERATED FINANCIAL ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX-Balance {$290.00} XXXXBalance {$290.00}
Product: Credit card or prepaid card

Phone number : XXXX calls ( a XXXX number ) and says they are monitorning my credit and I can reduce my interest rates. Says they are chase bank, but I have no cards with chase, and chase should not be monitoring my credit. 

I am on national do not call registry so they should not be calling me
Product: Debt collection

I have attempted to contact XXXX XXXX and the City of XXXX attempted to contact them via mail and e-mail at the attorney on the file at that time. 

Request - adjustment of fees owed on debt for XXXX # XXXX Notice to appear after written request - approved one day before date to appear Received AFTER date this year XXXX. 

Judgement dated XXXX {$2600.00} attempts to contact attorney on file from City of XXXX. dating back to XX/XX/XXXX copy of title search on file shows debtor mail was returned to City of XXXX. In XXXX calls and mail unsuccessful to solve debt. Now debt amount $ XXXX. 

Wrote requesting adjustment of interest and none given. This is an attempt to have the debt adjusted and then I can submit payment. 

Now attorney is XXXX XXXX XXXX XXXX XXXX XXXX credit card debtor XXXX XXXX XXXX  XXXX.
Product: Debt collection

I am writing to formally dispute the listing of the XXXX XXXX XXXX account on my credit report. According to my records, this account has been submitted for deletion by the creditor, yet it remains on my report. 

I request that you investigate this matter and delete the account immediately, as it does not reflect my current credit situation. I have attached any relevant documentation to support my claim. 

Please confirm the outcome of your investigation at your earliest convenience. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing this account for several months and they refuse to change the status to " in dispute '' for this account, they keep it at " account not disputed ''. They also " re-aged '' this account. In XXXX of this yr it showed " XX/XX/2022 reported, which was the first time they re-aged it, then now its showing " XX/XX/2022 ''. They're re-aging the account monthly which violates the FCRA
Product: Mortgage

1 ) I was sent an offer to get a {$100.00} gift card if I could find a better refi offer than theirs. I did but the refused to send me the card. I contacted them several time and never got the card. The person in charge said that she would send it but didn't. Everyone I talked to said that she is the only one that could do so.

2 ) Caliber Home Loans Sent me a check fo {$1600.00} but didn't tell me what it was for so I pu
t it into my saving account for my taxes and insurance. They made it very hard for me to contact them it took several calls and then you had to click several times to get to a person. I received a notice from the property tax office telling mr that my taxes were late and i received a fine for {$190.00} because Caliber didn't pat the balance with the check that they sent me or tell m they were due. I felt that they should have notified me that was a payment due and the check was t pat it or sent the payment.

3 ) For the past several year they have been sending me a request for a shortage fee. This year it was for {$530.00} other years it has been for {$300.00} or more. I have never had a mortgage company send me a short fee more than once in the pass XXXX  years and i have had XXXX other companies that I have done business with. I feel that they nave not don't their business in a fair and professional manner. There have been several other issues with them.
Product: Money transfer, virtual currency, or money service

I became a victim of an investment scam. Please see attached letter for more details.
Product: Credit reporting or other personal consumer reports

Please review the message below. 

" I am writing to inform you that XXXX, XXXX, and TransUnion credit bureaus have reported a fraudulent or identity theft account on my credit report. Despite numerous attempts to rectify this with them, the account has not been removed. 

The credit card in question belongs to XXXX Bank and is also reported on my credit file. Both XXXX and I have sent multiple deletion requests via email and mail to the credit bureaus, but they have failed to respond. 

This issue is greatly affecting me, and if it is not resolved promptly, I will file a continued complaint. I have attached a letter from XXXX requesting the deletion of the account sent to all credit bureaus. '' I hope this revision is helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Transunion deleted my XXXX XXXX credit card from my report by accident. I disputed another card that was not suppose to be on my report and they deleted the one that belongs to me which dropped my score tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was checking my credit score I had seen it went down. I seen XXXX new credit inquiries with XXXX different XXXX company/bank, Capital one and XXXX. I never opened an account with them the only account I have is with XXXX XXXX. And they already spent money on the credit cards and I personally do not want to pay that back because its not me. Also, an account was opened with XXXX XXXX also which was not me. I want these accounts closed and I want this to stop from now on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Synchrony Bank/JC Penny on XX/XX/XXXX around that time. I received a response from Synchrony/JC Penny on XX/XX/XXXX. The letter stated that they were reporting information accurately. I received copies of my credit reports from XXXX, XXXX and XXXX. The letter stated that the JC Penny was opened on XX/XX/XXXX my XXXX show open XX/XX/XXXX. The XXXX report has Date of 1st delinquency XX/XX/XXXX but no payment history to validate is on the report. There is no date of last activity. XXXX last payment made XX/XX/XXXX payment history show XX/XX/XXXX. No date of 1st delinquency and no date of last activity. XXXX  has status as Closed, no date of first delinquency and no date  of last payment made
Product: Credit reporting, credit repair services, or other personal consumer reports

SENT THREE LETTERS TO THIS COMPANY ASKING THEM TO REMOVE THESE CREDITS FROM MY REPORT BECAUSE THERE IS NO CONTRACT WITH THESE COMPANIES ; THEY ARE SHOWING THE ACCOUNTS AS CHARGED OFF AND CLOSED ; AND UNABLE TO PROVIDE PROOF OF DEBT. 
UNFAIR REPORTING XXXX  XXXX XXXX ( REPORTING OPEN DATE AS XX/XX/XXXX ) XXXX XXXX XXXX ( REPORTING XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX UNIVERSITY XXXX XXXX XX/XX/XXXX
Product: Credit reporting

A company pulled my Equifax credit report illegally. They worked with me and told me that the request has been sent to have the hard inquiry removed. It has been more than 30 days and has not been removed. Equifax thus far has refused to investigate any credit inquiries despite their legality and claims that no such removal request was sent from the company that pulled it.
Product: Credit card

Lowes issued me a credit card last XXXX 2016 and their customer service calls claim I am not current on my account. I recieve calls from Ohio and the XXXX on SUNDAYS AND HOLIDAYS. i HAVE NEVER BEEN DELIQUENT ON MY ACCOUNT.
Product: Debt collection

I received a phone call today from XXXX XXXX with AR Group at XXXX ext XXXX calling for my brother. He has not given out my phone number and I told her that I did not want debt collectors calling me for my brother. She stated several times that she was not a debt collector and that she needed to talk to my brother, I told her to call him then since she had business with him. She said she had several numbers, he has had the same number for 10 years. I then searched the company and phone number she called from and they are indeed listed as a debt collector. I do not want them calling me again.
Product: Debt collection

I did. not authorize this account, Nor did I benefit from it. Please block it and remove it from my credit report. Failure to do so is a violation FCRA