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

I am writing to formally notify you that I have been a victim of identity theft and a data breach. As such, I am requesting the immediate blocking and deletion of the following accounts and inquiries from my credit file pursuant to 15 USC 1681c-2 ( a ) and Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). 
The fraudulent accounts are as follows : 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 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 Additionally, I am requesting the deletion of the following fraudulent inquiry : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Contacted bluebird about money missing from my account and t told them it was numerous charges that drained my account went over all the charges and then ended conversation. Days later find out only one charge was filed. That charge was found in my favor and money was put on my account called bluebird to get rest of charges disputed filed those charges after gettting bounced around department to department. Days later told I need to file a fraud paperwork and I did that and days later get email saying not accepted, file again they say I didnt file it, ask for email again they give me wrong email, ( all on recorded line ). Sent to right email from my investigation and then l they say denied claim. Even though exact similar charge was accepted and refund given back to me from earlier so doesnt make sense they cant have proof of claim and have proof of denied claim because now only difference is amount. I got lied to and mislead.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am 30 days past due on XXXX  partial account number XXXX. ( Please see page 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 Section 2, Also states that a consumer reporting agency can not furnish an account without my instructions.
Product: Checking or savings account

I participated in the Citibank Account Package promotion with the following terms ( screenshot attached showing web url for promotion : " citi checking offer XXXX '' ) : 1. Open a checking and savings account in the Citibank Account Package between XX/XX/18-XX/XX/18. 
2. Within 30 days of opening your account deposit {$15000.00} New-to-Citibank funds into the checking and/or savings account.

3. Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 days.

4. Get {$400.00} deposited to your account!

I have performed the following activities in accordance to the terms above ( see statements attached ) : 1 ) Opened a checking and savings account in the Citibank Account Package on XX/XX/18. 
2 ) Deposited : - {$50.00} New-to-Citibank funds on XX/XX/XXXX to checking account ending in XXXX, - {$50.00} New-to-Citibank funds on XX/XX/XXXX to savings account ending in XXXX, - {$14000.00} New-to-Citibank funds on XX/XX/XXXX to checking account ending in XXXX. 
3 ) Maintained a minimum balance of {$15000.00} in my checking and savings account for 60 days, until well after XX/XX/XXXX. 
4 ) Inquired on the status of the opening bonus. Given the promo reference code as XXXX and told that the bonus will be received up to 90 days after satisfying conditions 1. through 3. This  means the bonus should post by XX/XX/18 at the latest.

5 ) Inquired on the status of the bonus on XX/XX/18. Told that no promotional info was found on my account, which is open and in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the account from my file. 
XXXX XXXX XXXX Balance {$1300.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit and see a Bankruptcy and inquiries that needs to be removed. XXXX  XXXX Bankruptcy Status : Dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : {$0.00} Court : XXXX Bankruptcy XXXX XXXX XXXX {$0.00} Exempt Amount : {$0.00} THese are the inquiries XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  : Notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Re : Notice of Data Breach and impact on credit report profile FTC Report number : XXXX Dear XXXX, I am writing to request a correction of the following information that appears on my XXXX, XXXX, TransUnion, and all other consumer and background reporting agencies reporting due to the data breach of the data from XX/XX/XXXX until now : This has also been filed through the FTC complaint database per case number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dates associated with the items being disputed : From approximately XX/XX/XXXX until the present day This information is inaccurate and fraudulent as these accounts were opened unaware after the ATT data breach. Also, I have also been denied gainful employment because of the reporting of my background/financial/credit report as a result of the derogatory reporting on my credit profile that resulted in the loss of over {$100000.00} yearly over the next 5 years, plus other credit opportunities that have been denied for the same reason. The report shows I currently owe money to these companies that I have already repaid and/or have not been authorized to open by me. o The delinquencies on my report are not accurate. o Im the victim of identity theft and I dont recognize insurance business done in my name in another state ( XXXX XXXX XXXX XXXX has contacted me via email about the concern and is threatening to terminate my credentials, which would have a substantial impact on my career and finances. o I have also endured hardship with other recent employment where my information was seen to be compromised and almost resulted in the loss of employment as well as information being tampered with in E-verify, which all resulted in my denial of employment and credit. I have attached a copy of my report with the accounts in question circled. Thank you for your assistance. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive requested that LexisNexis provide me with a copy of my full report and in response to The MN Department of Commerce File # XXXX Complaint and The CFPB Complaints ( all of which have not received satisfactory and or any copies of my report as requested ) # XXXX, XXXX, XXXX. 

Since initial request XX/XX/2020, LexisNexus mailed a response to obtain via on-line access, IF, I agree to their terms, in order for to be provided/obtain a copy of my LexisNexus Full Report. I have not and do not agree.

I request that the CFBP obtain and provide me with a copy of my full LexisNexus report, mailed or faxed without further delay, per the Fair Credit Reporting Act. 

LexisNexus is NOT a Consumer recognized ( one of the three Major Credit Reporting Agencies ), such as XXXX who if a consumer agrees can request immediate access and be provided with secure, full reports on line granting creditors immediate access with PIN number to review and dispute any items on a full report immediately as an OPTION to the FCRA, requirement of MAILING TO THE CONSUMER. The delays of LexisNexus are unacceptable and damaging, adversely affecting employment, benefits, insurance rates and insurability. 

In addition, please answer my question about why LexisNexus sends requests to medical providers for people whom they collect data?!?! This is a violation of HIPPA, HRRP, ACA ; LexisNexus and insurers are sidestepping and its a violation for LexisNexus to harvest private medical data or collect it for an insurance claim and then in turn sell private medical information to insurers not privy to the applicable insurance claim, with potential for more adverse affects such as insufficient medical care or life insurance.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them
Product: Checking or savings account

On XXXX I deposited a payroll check for XXXX. The bank made XXXX immediately available. Once I spent the XXXX, the bank decided to place a 10 day hold on the entirety on the XXXX XXXX check and took back the XXXX available. This caused my account to go into the negative XXXX, which they are now charging over draft fees. My account is over the required 30 days, never been in overdraft and account in good standing. This practice is to generate overdraft fees for accounts that are in good standing and risk adverse. Plus a 10 hold for a government check, where funds should be made available the next business day.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my Federally Protected Consumer Rights to Privacy and Confidentiality under 15 USC 1681.

I communicated with TransUnion to reinvestigate these accounts. Accounts : XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX # XXXX. However, they stated everything was complete and accurate. However, how is that possible if the open date, date of last activity and much more are incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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. Especially by these accounts being crimes of Identity Theft and I am a Victim of Identity Theft.

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.

Also TransUnion is not in compliance with the Federal Trade Commission ( FTC ) Identity Theft Report, XXXX XXXX Identity Police Report, the Fair Credit Reporting Act ( FCRA ), and Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit card or prepaid card

In response, to CFPB complaint in XX/XX/XXXX. 

Since the last complaint, I found no records to confirm the initial acceptance of " Debt Protection '' on my credit card account, and I have some questions. 

Was I automatically enrolled in debt protection? 

If not, how was I initially enrolled in debt protection and prove proof? 
( If it's through a signed document regarding debt protection, provide proof of the document that has my signature or if its through a phone call, provide a recording of the call ). 

After the last CFPB complaint, I've never heard of " Account Shield '' until after I saw Citibank response. Why is the words " DEBT PROTECTION " on only and more clearly on the billing statements? 

Can " DEBT PROTECTION '' be mistaken for something else like credit card protection? 

From Citibank 's response in the last CFPB complaint, and I quote " In addition, within the last 12 months, on page 3 of the XX/XX/XXXX billing statement, there is a reminder in bold print regarding the optional Debt Protection Product that was purchased, which also includes the number to call to discuss or cancel the product ''. It says " within the last 12 months '', why wasn't this message placed as soon as Citibank first took control of the Best Buy  credit card accounts in XXXX? This would have resulted in Citibank getting a cancellation phone call from me much sooner. 

What is the total amount of fees did Citibank, XXXX XXXX, and XXXX gotten from me since the duration ( XXXX - XXXX ) of " Debt Protection/Account Shield ''?
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern about the disputed accounts on my credit report. I have repeatedly reported inaccuracies in these accounts and have consistently requested thorough investigations. Despite my ongoing efforts, there has been no resolution or corrective action taken. These errors are significantly damaging my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these inaccuracies have caused me considerable hardship, leaving me with no choice but to urgently seek your assistance in rectifying this situation. 

I kindly request a comprehensive investigation into the reporting of each of these disputed accounts. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I sincerely urge you to prioritize this matter and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting or other personal consumer reports

During a Employment background credit check, a closed XXXX XXXX XXXX account, paid in-full is being reported as derogatory. 

Post an acrimonious divorce this account had been closed/ charged-off. Being in the Financial Services, as soon as possible, I reached out to XXXX XXXX to pay the charged-off balance of {$1000.00}, XX/XX/year>. Given very few people pay-off charge-offs, I called card services and verified that the payment had been received and the account would be reflected appropriately. I was told yes. 

I feel after being forthcoming 5 years ago the punitive reporting of this account and the rating does not afford my record the appropriate credit -- The current reporting to future employers is negatively impacting my reputation, integrity and employ ability within the Financial Services Industry.
Product: Debt collection

Jackson & McPherson LLC violated 15 USC 1692 ( e ), 15 USC 1692 ( j ), and 15 USC 1692 ( k ). They submitted false documentation to the courts in the attempt to collect a debt. Per the Constitutional Law, 15 USC 1692 ( e ) ( 3 ), it states a lawyer can not represent in a debt collection. They filed false documentation to take my home without presenting all documentation to the judge and I wasn't even given a trial date. I have requested a copy of the original promissory note as well as the on and off ledger that they claim to have from their client and have not received it. I also requested a copy of their W9 and the name of the company who there Indemnity Bond/Agreement is with because they have violated and committed fraud. I was told that she couldn't give it to me then I was told to give my email and the lawyer would contact me in which I still have not received as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXX XXXXXXXX, TX Disputed by XXXX. 
Investigation of Fraudulent Hard Inquiry on XX/XX/XXXX Dear Experian XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX  WILL NOT PROVIDE A LETTER OF DELETION NO ACCOUNT FOUND XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX | XXXX ( XXXX ) XXXX | XXXX Last XXXX of my XXXX  XXXX XXXX XXXX Disputed by Consumer. XXXX days My address is listed above. Respond by Mail only and provide a copy of credit report along with results of investigation. 
XXXXXXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Record details On record until XXXX XXXX Inquired XXXX Comment '' : Auto loan. This inquiry is scheduled to continue on record until XXXX XXXX. XXXX. On Report number XXXX
Product: Credit reporting or other personal consumer reports

There is an account from XXXX XXXX ending in XXXX which is reflecting on my Equifax credit report. This account is not mine. I have disputed with Equifax but they keep saying it was verified as mine. I have a real issue with the investigation process and dont believe they are giving due diligence to ensure my information is updated and corrected. I contacted XXXX Executive Offices by email and requested their assistance. They advised that XXXX requested the account be removed from my report and if it is still there to contact Equifax directly. I have done that and am now requesting the assistance of the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received multiple calls from a debt collector which I am unaware of the debt which I also explained to the representatives of the company.But they insisted that I make a payment which I was very uncomfortable with there approach. I would like for the collection to be removed/deleted from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; XXXX XXXX XXXX XXXX XXXX XXXX Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

Year XXXX XXXX XXXXXX/XX/XXXXcredit card charged off in XXXX But now back on my credit score and I would like for it to be removed