23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

identity theft XXXX XXXX an account was opened from XXXX XXXX XXXX ( not my account ) XXXX XXXX  was opened with a hi balance of XXXX and was closed in XX/XX/XXXX not my account XXXX XXXX an account was open and left a balance of XXXX this account is not mine closed on XX/XX/XXXX XXXX   XXXX XXXX  this account was opened in XX/XX/XXXX and is now in collection. this account is not mine XXXX XXXX carries a hi balance of XXXX is not my account closed dedicated XXXX XXXX opened ii XX/XX/XXXX original creditor XXXX  carries a balance of XXXX js not my account. 

XXXX XXXX XXXX opened XX/XX/XXXX { XXXX ) XXXX balance is not mine XXXX XXXX/XXXX XXXX balance was added to my report is not mine XXXX XXXX opened XX/XX/XXXX closed XX/XX/XXXX charge off is not mine XXXX XXXX opened XX/XX/XXXX closed XX/XX/XXXX is not my account Chapter XXXX bankruptcy added in XXXX is not my account
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. On my report, a late payment in XX/XX/year> for XXXX XXXX XXXX XXXX was indeed paid on time. It's come to my notice that the missed payment on my record could hurt my ability to qualify for new credit. I trust that my previous actions do not reflect my creditworthiness and commitment to repaying my debts. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I'm now requesting you investigate this account and update these payments to be paid on time immediately. It would be a kind gesture if you could XXXX me a second chance and make goodwill in removing the late payment in XX/XX/year>. Thank you for your understanding and prompt action.
Product: Credit card or prepaid card

Hello, I am considering taking legal action against Citi due to not allowing me to review fraudulent purchases, routing calls to a center that does nothing to assist, and ruining my credit history. 

I forgot my password to their online app in late XXXX. This triggered my account being totally blocked. When I called they informed me that my account was on a top level fraud alert. I had never received a notice about this and they were unable to tell me if it was simply related to my forgotten password or if I had been the victim of fraud. They informed me on XX/XX/XXXX that they were sending a letter to arrive within 3-7 days to confirm my identity. I informed them I was moving in XXXX and also that I did not want to miss my payment due date as I have never made a late payment in my life. 

I called back numerous times that week and the next when the letter did not arrive. They assured me to keep waiting. They said I could not pay the balance, tell me what it was, or close the account. I offered to send photos of all government ID, myself holding these documents, and me holding the card. I was desperate to avoid making a late payment. 

Meanwhile I received many pieces of promotional material about my card in the mail. I also continue to receive emails. 

Every time I call they say there is some difficulty hearing me and I am doubtful that this number is even a Citibank number despite it appearing on my card. Nobody has any clue what they are doing or can advise me. 

I asked a representative two weeks ago to send another verification letter. This one has also not arrived and my payment is now late. I am receiving constant emails asking for payment but since my account is locked and they will not accept a phone payment I can not make one. I  also have no idea if there are fraudulent charges on the account or if someone has changed the address on the account. They can not tell me where they sent these letters. 

I did move as planned and my mom is checking the mail every day but I have no faith any of these letters will arrive. My credit score will be ruined through absolutely no fault of my own. I want Citi to tell me how else I can verify my account, accept my payment and waive all late fees. I have spent hours on the phone with these jokers and there is no resolution in sight.
Product: Credit reporting or other personal consumer reports

I have disputed this with LexisNexis. They have failed to respond to me. But I guess they use PACER to obtain inaccurate information from public files. Well if they did their due diligence and obtained the correct information, they would see that the information that you are reporting in regards to these bankruptcies is extremely inaccurate. My credit is being negatively impacted due to lexisnexis neglectful reporting and I would appreciate it they removed these bankruptcies from the system. It is not fair that theycan simply snoop around and report only half-truths and cause so much distress. 
15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report you shared my personal Information without my consent. this is identity theft you are criminally and CIVILLY LIABLE
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 XXXX XXXX XXXX. 


Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXXXXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts and inquiries from my credit report due to identity theft. I am a victim of a recent data breach, and I believe the following accounts and inquiries were fraudulently added to my credit file without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you take immediate action to block and delete these items from my report to prevent further damage to my credit and financial well-being. 
Accounts to Be Blocked and Deleted XXXX. XXXX - Account XXXX : XXXX - XXXX : XXXX - Balance : {$0.00} XXXX. XXXX - Account Number : XXXX - XXXX : XXXX - Balance : {$0.00} XXXX. XXXX SERVICE XXXX Account Number : XXXX - Opened : XXXX - Balance : {$0.00} XXXX. XXXX SERVICE XXXX Account Number : XXXX - Opened : XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX Account XXXX : XXXX - XXXX : XXXX XXXX - Balance : {$0.00} XXXX. XXXX SERVICE XXXX Account Number : XXXX - Opened : XXXX XXXX - Balance : {$0.00} Inquiries to Be Blocked and Deleted XXXX. XXXX XXXX XXXX Date : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, and XXXX from XXXX 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
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX  website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within XXXX  DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Debt collection

XXXX XXXX XXXX has received several ( 4 ) copies of my FTC identity theft report over the past 3 years. Performant just changed the account number and began collections again. 

XXXX XXXX XXXX has never provided any actual documentation of the fraudulent student loans they alleged are assigned to me. 

The only documents ever sent are a forged master promissory note and copies of an online approval obtained by the unknown identity thief. 

Currently, Performant is seeking to obtain funds for the identity theft student loan at an interest rate equivalent to 267 %. 

When questioned via phone conversations, XXXX XXXX XXXX representatives state that they are only contractors and don't have any actual documents regarding the amount they are demanding. Additionally, the same personnel repeatedly tell me to stop send them letters/identity theft notices via my FTC identity theft report.
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 XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion the attached letter on XXXX XXXX. Transunion received it on XXXX XXXX. The certified mail tracking number is XXXX. Transunion has defamed my character. Remove these accounts or I will bring legal action against Transunion for defamation of character.
Product: Credit reporting, credit repair services, or other personal consumer reports

My brother opened this account in my name without my knowledge and has passed away. Now XXXX XXXX is coming after me and Ive never received nor did I apply for this account. The payments are minimal and I will pay it if they remove the negative marks on my credit as it is hurting me and I have nothing to do with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX XXXX reporting in my credit file that was dismissed and not recorded to the record the bankruptcy is for XX/XX/2018 and Equifax keep stating that they have verified the information but they havent and for almost a year I have been disputing this issue that Equifax is failing to correct. I will be attaching XXXX XXXX from the courts. Also XXXX XXXX has made Equifax aware several times of this inaccuracy because they removed it from my file but Equifax is still reporting this information.
Product: Debt collection

This company has been harassing me on and off for years now. 

I thought last year after the Texas Attorney General got involved they were going to stop but last week I received another bogus collection letter from them. 

This time they claim I owe {$16.00} for an unpaid XXXX account. 

They are very aware that I do not have an XXXX  account. They have been told this by me and the Texas Attorney Generals office yet the continue to harass me. 

The have a different account number this time which is a pretty clear indication they are violating UDAAP as well as other federal laws. 

I have attached their most recent bogus letter as well as my response to them from XX/XX/2019 and the Texas Attorney General complaint information.
Product: Money transfer, virtual currency, or money service

Went to cash a check at cliff check cashing store and representative there stole my check and attempted to collect a debt
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXXaffiliated schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * 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 XXXXXXXX XXXX XXXX The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it.

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX has violated my rights. 

As shown on my credit report : XXXX XXXX Card, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, /XXXX XXXX, XXXX  XXXX XXXX XXXX, Dept XXXX XXXX XXXX ( XXXX different accounts with same account number according to my credit report ), XXXX/XXXX XXXX ( XXXX different account with the same account number according to my credit report ), XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

Transunion is reporting non mailable addresses on my report. 
my current address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please remove all personal information and i am opting out of Transunion sharing my non public information ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Transunion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to transunion, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays Bank of Delaware is violating the Gramm-Leach-Bliley Act - 15 U.S. Code 6802 by furnishing a report to XXXX without my approval XXXX 
The information with BRCLYSBANKDE account starting with XXXX o should not be on my XXXX report it is a violation and therefore a fraud.
Product: Debt collection

Upon recently contacting Pinnacle LLC in XX/XX/XXXX to resolve a debt from XX/XX/XXXX, my XXXX, XXXX, was given incorrect and misleading information by the employees that took her payment and information that day. This is her statement : " I called the company, expressed a desire to inquire about a settlement amount, and was told I was being connected to the department that handles account payoffs/resolutions. I was told by whomever answered the phone when transferred, by Pinnacle LLC, that it would be removed from our credit report, and that support of that would be sent via the mail and email. 

When nothing arrived, and the debt remained, ( though it is being reported as paid via settlement arrangement ) I contacted Pinnacle LLC on XX/XX/XXXX, and was informed that it was not their company that made that promise, or financial arrangement, but rather a company called " XXXX '' and that the information is slated to remain on our credit report until XX/XX/XXXX. I also was told, no less than 5 times, a phrase that was not mentioned at all when I contacted XXXX in XX/XX/XXXX to resolve the debt ... that their company " does not have a pay to delete program '' I informed the supervisor that I spoke to on XX/XX/XXXX that I found it odd that phrase was not said once when I 'd called before, and that it was almost comical that it was being said repeatedly, and that obviously that is a problem they are used to arguing with clients who trying to resolve their credit reports. 

To reiterate when I called to pay off this debt, at no time was I aware, nor did that person disclose, that I was being connected to another company, called " XXXX '' - a company which is not listed on our credit report, and one that Pinnacle does not have the right or legal authorization to allow them to handle payment of our funds, nor, as far as we can tell, who has permission to collect on that debt.
Product: Mortgage

On XX/XX/2019, XXXX XXXX wire transferred funds to PHH Mortgage in direct response to a written pay-off request. Although PHH admits the funds were received as requested, they refused to apply the funds to that portion of PHH that handles current collections. It has now been almost two months since they took our money and they refuse to tell me how or when the problem will be fixed. This has caused us to lose over {$1100.00} a month.