23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Request for Complete Deletion of Consumer Report Data Due to Equifax Data Breach Dear to whom this may concern, I am writing to formally request the complete deletion of my consumer report data from Equifaxs records under the provisions of 15 U.S. Code 1681e, which mandates that consumer reporting agencies must adopt reasonable procedures to ensure maximum possible accuracy and protect consumer privacy. My request is made in light of the Equifax data breach, which exposed sensitive personal information of millions of consumers, including mine.

As a result of this breach, Equifax has demonstrated an inability to safeguard the information entrusted to it. This failure not only compromises my personal and financial security but also places me at significant risk of identity theft and other fraudulent activities. I am therefore invoking my rights under the Fair Credit Reporting Act ( FCRA ) to demand the permanent deletion of all data Equifax holds pertaining to me, including but not limited to : Credit history Personal identifying information ( PII ) Inquiries, accounts, and other related records In addition to the FCRAs provisions, the Federal Trade Commission ( FTC ) and other legal precedents have consistently emphasized the importance of protecting consumer data. Equifaxs breach constitutes a failure to comply with these obligations, justifying my demand for complete data deletion to prevent further harm.

Please consider this letter as a formal notice of my request. I expect written confirmation from Equifax within 30 days of receipt, detailing the actions taken to remove my data from your records. If my request can not be fulfilled, I require a detailed explanation of the reasons for such refusal, including specific references to applicable laws or regulations.

Should you require additional information or clarification, please do not hesitate to contact me using the details provided above. Failure to comply with this request will leave me no choice but to pursue further legal action to safeguard my rights under the FCRA and other applicable laws.

Thank you for your prompt attention to this matter.

Sincerely,
Product: Credit reporting or other personal consumer reports

All hard and soft inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and soft inquiries Name is incorrect XXXX XXXX XXXX date of Birth is not XXXX the Correct date of birth is XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Late payment reporting A financial institution may not disclose nonpublic personal information to a nonaffiliated third party
Product: Credit reporting or other personal consumer reports

I wrote in two letter requesting to have my credit report mailed out to me an have not receive one as of today. XX/XX/year>
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Old addresses, inaccurate employment information. Must be removed
Product: Debt collection

COMMONWEALTH FINANCIAL SYSTEMSXXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX | Fax : ( XXXX ) XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify COMMONWEALTH FINANCIALSYSTEMS ACC # XXXX, XXXX, XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : COMMONWEALTH FINANCIALSYSTEMS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter out on XX/XX/2022, XX/XX/2022 to XXXX, XXXX, and Equifax. Here is my tracking XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code $ 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 
How did they complete this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I included it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

Capital One 's website XXXX XXXX XXXXXXXX says I should be able to follow these instructions : " Sign in to your online account, and select the card you want to close. Click on the I want to button and find Close Account under the " Control Your Card '' section. From here, you'll be guided through how to close your credit card account. '' However, there is no " close account '' option in that menu ( see screenshot ). 
The chatbot is no help. 
I've looked thoroughly & don't find an email address for support. There is only a phone number, meaning I know this will be a one-hour endeavor, during a workday likely, to close my credit card. 
Capital One should make the " Close Account '' button active/available/visible.
Product: Credit reporting or other personal consumer reports

TRANS UNION : I'm filing this complaint under the FCRA due to the willful noncompliance of the credit bureaus & data furnishers improperly investigating my disputes, as required under 15 usc 1681 & 15 usc 1681 A-2 ( B ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation & have continued to report inaccurate information to my credit report. Furthermore, the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. This failure to uphold their responsibilities under the FCRA constitutes a violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

Since XXXX Equifax has been reporting my old line of credit as being late in XXXX. First, they incorrectly marked it late in XXXX now they marked it late in XXXX, XXXX. XXXX XXXX said they have not been reporting this account since it was closed and paid in full. There are XXXX accounts listed on my report under XXXX XXXX  The first one was opened in XXXX and then closed in XXXX. It should have been removed from all credit reporting in XXXX. Equifax is reporting it as a " new account '' and reporting that it is late in XXXX, XXXX. This account was paid in full and closed in XXXX! My last account with XXXX XXXX was paid in full in XXXX of XXXX and closed. How can an account be late in XXXX of XXXX if it was paid in full. The first account was closed and paid in XXXX and the second paid in full and closed in XXXX. XXXX and XXXX come before XXXX so nothing should be reporting late in XXXX. All accounts from XXXX XXXX should be deleted from my credit report. They also state that the account is too New to Rate. How can this be when its more than XXXX XXXX XXXX. It doesnt need to be rated. Only deleted! 
Equifax is now stating that they can't locate my credit report. How is that when I can find it. Why are these credit reporting companies allowed to continue to just add whatever they want to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts in collections for a medical bill. The report doesn't show where the bill is coming from only two amount XXXX and XXXX. These bills are covered under medicaid and a complaint has been filed against XXXX XXXX Hospital. The information is incorrect.
Product: Debt collection

XXXX is attempting to collect {$240.00} from me for taxes and duties on a package that I returned to sender. I have attempted to contact them several times and explained that I do not owe them any money, but they do not return any of my communications. Now they have sent a debt collector to force me to pay this amount. I do not owe them a penny.
Product: Credit reporting or other personal consumer reports

I have made two attempts to rectify the inaccuracies on my credit report with Equifax by sending certified letters. The first letter, sent on XX/XX/XXXX, outlined the discrepancies in the information listed, including an incorrect date of birth and addresses. Despite the effort, I have yet to see any changes or updates. Undeterred, I sent a second certified letter on XX/XX/XXXX, reiterating my concerns and providing the necessary documentation to support my claims. I am hopeful that Equifax will promptly address this issue and correct the erroneous information on my credit report.
Product: Credit card

I had called Capital One and stated I was a victim of identity theft. I even p provided a police report showing that I had reported this to the police. 
There were three accounts using my name. Capital One said they found one of the accounts to be fraudulent but were not going to resolve the other two and that they would remain in my name. They also told me that the one account they were calling fraudulent would be removed from my credit but it still remains there.
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
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Mortgage

I have requested mediation three times and made several phone calls but no action was taken from Wells Fargo
Product: Credit reporting, credit repair services, or other personal consumer reports

After I saw Experian Credit Report on XX/XX/2018, I disputed several incorrect information. I received notification that Experian fixed the issues, I found no change and some information was adding up more incorrect information by them. 

It has been more than one month to correct simple information and Experian are making incorrect information worse each time I contact them. I saw their comment why they changed data more incorrect because I requested to do so. But I have never told them to correct information in wrong way. All what they say are incorrect and their conduct is unprofessional, incompetent.

My disputing items must be corrected immediately because it will be misrepresenting my information regardless my effort to fix with ill-intended changing to incorrect information based on my request which I never requested to them.

I told them to delete one credit card account because the card is upgraded to another card. There is no need to show both old card and current card. I told them to delete old card but they did not delete card and closed card. I disputed them again asking them why they closed the old account. One agent said he would correct information but later I found that Experian closed current card too
. And they commented that they closed 2 cards because of my request but I never requested them to do.

Today, I disputed with one agent and make him change the card status as I told him, and agent asked me if I contacted credit card bank. I said to hem what does he mean and bank has nothing to do with Experian 's showing incorrect information. I told him to open the current card, but he said that he could not open without Bank 's permission. After I heard him saying unbelievable statement, I was disgusted and thought there is no way to communicate with them anymore. And decided to file complaint to FTC. 
Please correct Experian 's unprofessionalism and disqualify them to serve as credit monitoring agency and also, fix my credit report with correct information.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed a fraudulent account on my credit reports. I do not recognize this account, nor did I authorize this account. Please remove this fraudulent account from my credit report, it is hurting my credit score and making it hard for me to obtain credit.
Product: Checking or savings account

Posted a XXXX XXXX XXXX XXXX for sale ( XXXX and XXXX XXXX XXXX ). This person text if it was available. Responded Yes. He agreed to purchase and sent through XXXX certified mail tracking # XXXX a Citibank Certified check XXXX XXXX XXXX for {$150000.00} in which {$140000.00} was for the sale of the motorhome. I was to wire transfer {$6700.00} to XXXX XXXX XXXX ( Citibank XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX routing XXXX account XXXX ) for shipping the RV to XXXX State. I was also to keep {$200.00} for my trouble of arranging the shipment. This wire transfer did not go through and was recalled back to my XXXX XXXX  account. After contacting XXXX XXXX  and Citibank I was informed the account was not able to accept a wire transfer. They sent another account ( Citibank same address and routing number account number XXXX ) Another ( Citibank same address and routing number account number XXXX beneficiary XXXX XXXX ) This money was processed and stolen. I asked XXXX to recall the wire and they responded the account had insufficient funds. XXXX bank cleared the {$150000.00} cashiers check listed above into our checking account after 24 hours, and we wire transfer the amount plus {$20000.00} to XXXX XXXX XXXX to pay off the motorhome loan. We found out XXXX that the check was fraudulent because our XXXX bank account was locked. We were in contact with all 3 banks ( Citibank, XXXX XXXX, XXXX XXXX XXXX ) to advise of the fraud. The outcome ( Citibank has not responded, XXXX bank is sending this 30 year " in good standing '' customer to a collection agency if we do not pay back the {$150000.00} by XXXX. XXXX XXXX XXXX has cleared the title and closed the loan ). The scammer actually sent another Citibank cashiers check that we did not cash. XXXX certified mail tracking number XXXX. Citibank check XXXX XXXX with XXXX different check # XXXX and XXXX ( same as the first check so he forgot to change it when he made out the second check ). I have opened XXXX, XXXX XXXX, Citibank, and local XXXX XXXX XXXX reports in regard to this matter. I am in possession of the XXXX mail envelope and recent Citibank check that I have placed in a zip lock bag. Appreciate the time and hope to help other people stay clear of these heartless people. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to dispute several fraudulent items on my credit file. As a responsible and conscientious credit payer, it is extremely distressing to see my credit score damaged by fraudulent activities that I did not participate in. I am requesting the immediate removal of these fraudulent items from my credit file, in accordance with the Fair Credit Reporting Act ( FCRA ) section 605b. It is my right as a consumer to have an accurate and fair credit report, and these fraudulent items are not only damaging to my credit score, but they are also completely untrue. I have already taken the necessary steps to rectify this situation, including filing an FTC report and notifying the relevant financial institutions. However, these fraudulent items still appear on my credit report, which is unacceptable ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I must remind you that failure to remove these fraudulent items from my credit file will be considered a violation of the FCRA, and I will not hesitate to pursue legal action if necessary. I expect a prompt response from your office regarding this matter.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXX  XXXX Balance Owed : {$2600.00} XXXX XXXXXXXX Balance Owed : {$20000.00} XXXX  XXXX Balance Owed : {$1400.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  Original Creditor : BLOCK XXXXXXXX XXXX XXXXXXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Georgia Way2go card State Benefit been received : Georgia Benefit Program : PUA/FPUC Transaction summary : PUA $ XXXX XXXX Weeks FPUC $ XXXX XXXX Weeks Deposit Date XX/XX/2021 The account is been suspended after they make the payment on there for me, please i need your assistant