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. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$620.00XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX  XXXX Balance XXXX {$0.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$0.00} 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

Have reached out to the CEO of Self Financial Lender multiple times about deleting a late payment from my report. The payment history is not accurate, as the account was paid in full and closed. Have not yet received a response from CEO nor can I reach a live representative
Product: Debt collection

I rented an apartment online while I was working out of town, I paid the first month and deposit, but when I went to pick up my keys for my new apt XXXX All XXXX broke lose, they put me in a different apt . unit, I had to wait 3 hours before they gave me another unit, and that unit was NOT move-in ready .... I contacted the office many times and took pictures and sent a letter to XXXX XXXX XXXX, The Corporate Office of the apartment, and the XXXX, the Corporate Office of the apartment never return my call or emails. after 4 weeks of complaining and nothing getting fix I moved out, and a emails was sent to the apt manager... Now looking at my credit report some company name PROCOLLECT , INC Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Is reporting this account on my credit report, without contacting me on the phone or email. 
Reporting without my knowledge.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I C System Correspondence XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX NOTICE TO CEASE AND DESIST Pursuant to 15 USC 1692c ( c ) ATTN : To whom it may concern, I, Executor of XXXX XXXX XXXX XXXX have become aware of multiple violations of Consumer Credit Protections Laws by I C System Correspondence in connection with the collection of an alleged debt. I have suffered various abuses including, but not limited to, identity theft, misleading representations, and harassment in connection with the collection of the alleged debt. 
Pursuant to 15 USC 1692c and 15 USC 1692g ( b ), I disputed the alleged debt, and I am demanding that you cease all communication through any mediums unless it pertains to the validation of the alleged debt or remedy for violations that occurred.

Send an audit trail pursuant to 5 USC 552a ( d ) including all documents, including but not limited to, signed credit applications, assignments, purchase of agreement, ledger of the account, The XXXX of my profile with the creditor and anything else relating to the consumer for review and validation : XXXX out the balance and delete all accounts held by debt collector from all consumer reporting agencies. 

Remove all remarks or comments off all consumer reports ; and Cease communication and use of my intellectual property, unless it pertains to the validation of the alleged debt or remedy for violations that occurred. Any further communication with the consumer MUST be in writing, delivered via mail to the mailing address above. 

Again, this a notice pursuant to the Fair Debt Collection Practices Ace ( FDCPA ),, failure to honor the demands and provide the required documentation for proper validation of the alleged debt within 14 days of receipt of this notice, shall : a ) Be taken as tacit agreement to the claims set forth, b ) Grant the consumer all demanded remedies, and c ) May result in litigation ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXXXXXX XXXX XXXX  ) assignees who are debt collectors are responsible for the actions of those collecting on their behalf. XXXX  XXXX, XXXX XXXX at XXXX. ) Respectfully, XXXX XXXX Without Prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C1681 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

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

My automobile was in an accident and was considered a total loss. Subsequent to the accident I was told I had the financial that they had been in touch with the insurance company in full payment would be issued the Honda financial. Apparently the process took longer than initially thought and there were several payments not made on the automobile. I had since called Honda and paid all the funds that were due and they had promised that they would contact the credit bureaus and have my account marked as paid in full and paid satisfactorily on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Somebody or someone taking my name on my name on my social security so report to the police on XX/XX/2720
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my Transunion consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX  for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Product: Credit card or prepaid card

I opened a credit card with citi bank via best buy on XX/XX/XXXX and ever since i opened the card i have not been able to log in to check my transaction or view anything on the account. i have called to complain about this but they always have an excuse or say their system is down. I also tried downloading the app to sign up but it does not recognize my credit card number or SSN number. I again went to their website to try and log in same issue my information was not recognized, then i went to read their reviews and saw that most of their customers experience same problem. They are fraudulent and will keep you in the dark so you can't monitor your money or their charges on the account. 


I do not have a easy way to make monthlypayments, also I don't know when my monthly payment is due cos I can't access the account or know how much is due. So I had to go look for money during this Pandemic to pay off the card balance cos it seems am being ripped off. I made a payment of {$1500.00} on XX/XX/XXXX and called them on XX/XX/XXXX and spoke with a representative who stated i do not have to make any payment as at the time that there is a refund of {$39.00} reversal processing on my account and will put the balance in excess of {$14.00} and some cents which will be sent out as a check payable to me. 
Then i called them after 2 weeks to check my account status only for them to tell me 2 other late payments have kicked in, in the amount of {$24.00} each making it {$48.00} outstanding on my account. This outstanding is their fraudulent late fee charges. 


I need this removed and my account refunded back to XXXX balance as I have paid it of before they the {$48.00} fraudulent late fees within 2 weeks to my account. 


I have a very clean credit history, I have never had a late payment on my credit report so I told them not to post anything negative or late to my account. I need urgent intervention to protect my credit history against this fraudulent activity Dates I recently called them : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX   XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX   XXXX  XX/XX/XXXX ,  XX/XX/XXXX .   XXXX   XXXX   XX/XX/XXXX .  XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX .  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX   XX/XX/XXXX . XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .  XX/XX/XXXX   XXXX  XX/XX/XXXX .  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX .   XXXX    XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX .   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX .  XXXX   XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX   XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX . This company, which I hold no contract with nor have received services from reported inquiries against my ssn with  XXXX , Experian, and   XXXX    credit reporting agencies. I have requested verification of the accounts, however the businesses failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to have these hard inquiries. I demand the businesses remove the negative report against my ssn at any credit reporting agency, including but not limited to  XXXX ,  XXXX , and Experian. In addition, the businesses agrees to have no contact in any form with me regarding these accounts now or in the future. They agree to remove my personal information from all accounts in The companies database. I had a problem with these a while back they was deleted and due to  XXXX  and  XXXX  glitch in the system they were added back on my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I have contacted  XXXX  and  XXXX  in good faith to ask them to delete the inquiries that they had illegally readded. These inquiries are adding a hardship on my credit and I feel my rights were violated by  XXXX  and  XXXX  I wish that  XXXX  and  XXXX  would stop victimizing me. As a resolution I wish that all of my inquiries be deleted permanently from my report as a violation took place when they were illegally added.
Product: Student loan

I have provided The Department of Ed and Mohela with documentation regarding my missing payment count from XX/XX/XXXX thru XX/XX/XXXX. Still no update on when this will be resolved. Both parties acknowledge the payment count is incorrect but neither party is fixing the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX , XXXX- add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized inquiries that appear on my credit report. I recently reviewed my credit report and found inquiries from XXXX XXXX, XXXX XXXX XXXX, and XXXXXXXX XXXX that I did not authorize. These inquiries were made on [ date of inquiry was XX/XX/ for XXXX XXXX ], [ date of inquiry was XX/XX/ for XXXX XXXX XXXX ], and [ date of inquiry was XX/XX/XXXX XXXX XXXXXXXX XXXX  ]. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute unauthorized or inaccurate information on my credit report. I request that you initiate an investigation into these inquiries and remove them from my credit report if they are found to be unauthorized.
Product: Debt collection

Genesis Credit Management informed me that there is an outstanding debt owed to XXXX XXXX XXXX in XXXX XXXX CA in amount of {$39000.00}. I called XXXX XXXX XXXX and they said that XXXX XXXX was leased from XX/XX/XXXX to XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX advised me to work with Genesis Credit Management to clear this debt due to fraud.
Product: Credit reporting

Equifax, refuse to delete these unauthorized and fraudulent inquiries from my credit report even after sending them documents from the companies stated that they have no records of this inquiries. 

I spoke with Selly from Equifax fraud department on XX/XX/2016 to get this issue resolved, she stated that no matter how many letters I send, they will not remove these inquiries and she put the burden back on me telling me to contact the company who placed the inquiries on my credit report which I have already contacted and still they were not able to verify these hard inquiries and sent response letters to me that I uploaded and also sent to Equifax copies and they still will not delete the hard inquiries.
Product: Credit card or prepaid card

XXXX XXXX  was absolutely impossible to deal with on the phone. Every time I spoke with customer service to set up automatic payments, they would give me different information on how to do so ... and always resulted in no auto-pay set up. I found out that my auto-pay didn't activate when they called me telling me I was late. They apologized and acknowledged their mistake and insisted it would not affect my credit. I am not applying for a mortgage and it is still appearing on my credit from years and years ago. I ended up closing the account due to their overseas customer service representatives not being able to solve even the simplest of problems.
Product: Checking or savings account

XX/XX/24 : Chase Bank emailed me about opening a business checking account. I already had a personal account with this bank and signed up and was approved. I initiated a fund transfer of {$1400.00} from my Chase personal checking account to my Chase business checking account and also initiated the process to link my Chase business checking to my XXXX personal checking account. 

XX/XX/24 : I received an email that my Chase account was restricted for potential fraud. I lost the ability to log in to my Chase personal and business checking accounts. I called the Chase customer service number listed in the email and was told I could not be helped unless I had a debit card number for the business account, and to wait for my business debit card to arrive prior to attempting to unlock the account. 

Later in the day on XX/XX/24 I called the customer service line again and had my personal checking account unlocked. I was told by the representative the same information regarding waiting to receive a business debit card prior to being able to unlock the new account. 

XX/XX/24 : {$1400.00} was removed from my Chase personal checking account XX/XX/24 : I again called Chase customer service as I had not received a business debit card and needed access to my funds. I was told by customer service that my account was closed and that I could not have my account refunded. I was asked why my account was closed and was not given this information. 

I was told by the service representative that I could expect reimbursement in form of cashier check within XXXX weeks of account closure. This has yet to be received at this time and I still do not have access to my {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, Understand my rights as a Federally protected " Consumer ''.

Fair Debt Collection Reporting Act ( FDCPA ) 15 U.S. Code 1692. ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

15 U.S. Code 1692a - Definitions ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt.

( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency 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 by such agency of Please be advised XXXX  XXXX XXXX has been reporting false/Inaccurate Information to my consumer report. According to 15 U.S. Code 1692g - Validation of debts I have asked the company to present me with : Original Debt Instrument SIgned Contract Video, SIgnature, or Evidence that I am the One who committed such charges. 

Lastly, while speaking to a representitive they have the wrong address for me an address that was associated with fraud and they continue to report this information to my consumer report.
Product: Credit reporting or other personal consumer reports

There is an INNACURATE reporting on my credit report that is NOT VALID!! A collection account that is listed from XXXX XXXX XXXX is now showing on my report. I am not liable for any debt involving this company as no contract was signed between myself and this company. I am not liable for this debt with XXXX XXXX, as shown on my credit report, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested.