23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

XXXX To XXXX XX/XX/XXXX at XXXX, MD XXXX P : XXXX XXXX, NC XXXX F : XXXX XXXX. 

XXXX, Attorney at Law XXXX, NC XXXX Urgent! 
RE : Attorney File : XXXX. 

Dear XXXX Thank you for your letter. I have no desire not to pay appropriate expenses including legal expenses related to my loans with the First Citizens Bank and Trust Company. 

I have been asking XXXX to provide me with the itemized bills from your institution and so far he has refused to do so citing, they are privileged documents. 

I have been a loyal customer and have been dealing with this institution for almost 20 years with excellent payment history until the bank changed its policy of renewing the notes and loans every 2 years and suddenly demanded almost XXXX dollars at once because my X spouse refused to sign the documents, even after court orders. This was compounded by XXXX failure to inform my current wife 's requirement to sign the documents either to me or to her beforehand. Once the shock was over and she agreed tosign the documents, XXXX promised to send the documents for our signing but failed to keep his promise, even though my current wife postponed her overseas travel by several days paying penalties to the airlines. Had that been done I did not have to go through XXXX and all these missteps. 

I have always cooperated with the bank to the best of my abilities and paying down the notes and loans, since the dust has settled and will continue to do that. 

XXXX on the other hand has on many occasions has been inconsistent, arrogant and grossly unprofessional and has played significant roles in these matters. He has never given me credit for consistent cooperations in this matter. Neither has he acknowledged my prior payment history for many many years.For example, he has commented that he would take over my XXXX, that I should go to another bank etc. etc. He even wrote derogatory letters when we both agreed to cancel the credit cards. I can give many other examples. 

We think the incidental expenses, home appraisal, legal etc. may be excessive and need clarifications. ( including payments made in these regards ). 

Please, do not hesitate to contact me if you have any questions. 

Your very truly, XXXX. 

CC : XXXX and CEO The First Citizens Bank and Trust Company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put a credit freeze in place a year or so ago with Equifax. At the time I was issued a PIN that I was told would enable me to unfreeze the credit information. Today, XX/XX/2019, I went online to unfreeze my credit report and found that I can not unfreeze it without creating an account, which requires the submission of various forms of identification ( e.g. drivers license, pay stub, social security card, etc. ) I find it unacceptable to have to provide this information in order to unfreeze my credit when it was previously frozen based on being told I could unfreeze using the PIN I was issued. Furthermore, I was never notified that Equifax was changing their rules about unfreezing ( requiring the creation of " an account '' and providing various forms of " identification '' ). It is my expectation that Equifax unfreeze my credit based on the PIN they issued to me when it was frozen. 
When I tried to seek assistance in unfreezing the report, I was connected with an agent, named XXXX, in the Security-Fraud department of Equifax. XXXX was unable to unfreeze my credit ( he never asked for my PIN ) and refused to provide me with the name or number of someone who would be able to do so, or even someone to whom my issue could be escalated. 
I find it unacceptable that I am unable to unfreeze my credit using the information I was provided at the time it was frozen.
Product: Credit reporting or other personal consumer reports

I was informed that my personal information was compromised in data breach and I am requesting the following accounts to be blocked /removed from my transunion experian/equifax credit reports within 4 business days under 15usc1681 c-2 account ( # 1 ) .XXXX XXXX acount # XXXX balance {$26000.00} account ( # 2. ) XXXX  account # XXXX balance {$63.00} account ( # 3. ) XXXX  balance {$170.00} account # XXXX ( # 4. ) XXXX XXXX XXXX XXXX balance {$500.00} account # XXXX ( # 5. ) XXXX  acount # XXXX balance {$1400.00} i am victim Of idenity theft and a data breach and am demanding these accounts to be blocked removed within businesses days from my transunion experian and equifax consumer reports under 15usc1681c-2 I am attaching a ftc report XXXX XXXX as proof.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX {$1200.00} XXXX XXXX {$280.00} XXXXXXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXX  {$4000.00} XXXX XXXX  XXXX {$16000.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX {$2300.00} XXXX XXXX XXXX$2800.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I mailed dispute letters to Experian for several items on my credit on the following dates. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and yet they, Experian continues to mail me the same response, verified, Reinvestigation information, This item remained unchanged from our processing of your dispute in XXXX XXXX??? Are you kidding me? This is a huge violation or many violations according to FCRA laws written to protect me! 

If you want copy 's of each letter, I can upload those also.
Product: Debt collection

SCA Collections has reported four collection accounts on my credit report. Prior to these accounts appearing on my credit file, I did not receive a notice of my right to dispute them. They just reported them, without giving me an opportunity to contest these bills that were paid by my health insurance. Failure to provide such a notice is a direct violation of my federal rights, protected under the Fair Debt Collection Practices Act. SCA Collection is acting as an illegal collection agency, defying federal collection law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not provide secure access to my credit and personal data thru latest reported breach, as well as fraudulently kept info from me as I have not been officially notified
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Experian has been dragging their feet when it comes to correcting my credit report. They were notified of the issues I was having with my credit report on XX/XX/2022, and I still have not received a response or any resolution. They are stalling and are harming my reputation and violating my privacy in the midst of it all. The following accounts are to be permanently deleted : XXXX XXXX  XXXX  You all never verified that this information was accurate before placing it on my credit report. I have the right to fair and accurate credit reporting pursuant to the FCRA ; this negative inaccurate and unverified information listed on my credit report is exact opposite. Experian was supposed to let me know that this account was going to be reported before it even hit my report and was supposed to give me the opportunity to direct that such information not hit my report. These transaction were not a matter of public knowledge or record and it is an invasion of my privacy which Congress says that I have a right to. Congress also says that they only have 30 days and it has been well over 30 days and I have not received any response. Pursuant to 15 USC 1681i, I want a description of the investigation procedure that took place as it relates to the above mentioned accounts ; who did you all speak with, what are their addresses, what was asked, what was said, and when did this take place?
Product: Credit reporting or other personal consumer reports

Equifax is continuously reporting FRAUDELENT AND INACCURATE information after being notified orally, via mail and electronically that Consumer 's Credit file has these discrepancies. Pursuant to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors ; A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Equifax is reporting an inaccurate name, an inaccurate address and several inquires including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Consumer has suspicion their information has been compromised by EQUIFAX, therefore therefore Consumer has filed an Identity Theft Report with the FTC. Section 605b focuses on blocking information on a consumers credit report that is the result of their identity being stolen. Once the consumer has provided the needed documentation to the credit bureau, the bureau first must block the information within four business days of the consumers initial report and submission of proof of identity theft. Then, the credit bureau must notify the furnisher of the information that it has been blocked due to identity theft. Once the information has been blocked and the furnisher has been made aware of the situation, the credit bureau must follow up with the consumer and provide final confirmation.
Product: Credit card or prepaid card

I WAS SCAMMED BY A COMPANY CALLED XXXX PHONE # WAS XXXX THIS NUMBER IS NOT IN SERVICE. I PAID THEM {$6400.00} ON XXXX. THEY DID NOTHING AT ALL FOR ME. I TRIED TO REPORT THIS CHARGE AS FRAUD TO MY CREDIT CARD COMPANY/ THEY SAID THAT THIS CHARGE WAS TOO OLD AND THEIR WAS NOTHING THEY COULD DO FOR ME. I AM A SENIOR CITIZEN AND THEY HAVE TAKEN ADVANTAGE OF ME.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year>, a credit inquiry from XXXX XXXX  was fraudulently posted to my credit report. I did not apply for any credit product from XXXX XXXX. Similarly, on or around XX/XX/year>, another unauthorized inquiry from XXXX XXXX, Delaware, appeared on my report. Earlier, on or around XX/XX/year>, XXXX XXXX was responsible for a similar fraudulent inquiry. Additionally, on XX/XX/year>, another unauthorized inquiry from XXXX XXXX  was recorded. Further back, on or around XX/XX/year>, a fraudulent inquiry and account from XXXX XXXX XXXX XXXX were added to my credit report, resulting in negative reporting and adversely affecting my credit. I did not authorize any of these inquiries or the opening of these accounts. They are fraudulent and need to be deleted promptly.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX account shows as placed for collection. Both XXXX and XXXX have removed this account from my report as it is not mine. Transunion continues to report this account.
Product: Debt collection

I received a random collection letter from Radius Global Solutions for a debt I do not recognize and disputed. I wrote the company 2x asking for proof that this debt is mine and that they have the right to collect the debt as I do not recognize it or their company. So far they have done nothing but send a statement twice. I disputed it the first time they sent it to me, so instead of providing any further proof that this debt is mine and I owe them and that it was unpaid they resent the same document that I disputed. Then they stated they were going to resume collection efforts. I still dispute this debt and they wont provide proof as listed above. I have written them for the 3rd time demanding proof. I dont know what else to do except to reach out for support.
Product: Credit reporting or other personal consumer reports

XX/XX/year> On or about XX/XX/year>, I reached out to Experian regarding the fraudulent activity on my account, specifically regarding the unauthorized opening of an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I promptly notified XXXX XXXX  and XXXX XXXX of this fraudulent activity, urging them to close the unauthorized account and remove my information from their records. 

Despite my efforts, my credit score, as reported by Experian, has decreased from XXXX XXXX XXXX as of today, falsely indicating that the unauthorized account was closed by the creditor on XX/XX/scrub>XXXX XXXX XXXX This is inaccurate, as I had no involvement in any changes to my credit profile and consistently maintain timely bill payments. 

Given that I have diligently upheld a higher credit score throughout the year, I demand that my credit be adjusted accordingly. This discrepancy is particularly concerning as I am currently in the process of purchasing a home and require a credit score of XXXX or above to secure a lower interest rate. 

The disparity in Experian 's responsiveness, being slow to raise my score yet quick to lower it, is discriminatory. I urge for this complaint to be escalated to management for resolution. 

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

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Debt collection

XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$2300.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Debt collection

I have reported identity theft to Belk/Synchrony several times. I have provided them with my FDLE Sworn Affidavit and all necessary statements in order for them to properly handle the fraudulent charges. Belk/Synchrony failed to complete a thorough investigation of my account leading them to send my name and account information to collections.
Product: Mortgage

XX/XX/2022 hired a law firm to save my house. I roughly paid them {$9000.00}. When I started seeing my house was going into auction I called them up XX/XX/2022. They told me they checked into it and told me it was not. When I have been paying them every month and they assured me that while paying them that that amount goes to the mortgage company to get this loan modification done. XX/XX/2022 my house was auctioned off. I have till XX/XX/2022 to evacuate from the property. Now my family of XXXX is having issues of finding a place to rent and stay.
Product: Credit card or prepaid card

On XX/XX/18 American Express called my roommate 's parents house looking for me. 
Ironically, I had stopped by for a brief 30 minute visit. When I was handed the phone the rep told me they were calling in regards to a missed payment that I was about 2-3 weeks late on of XXXX dollars. 

Shocked, I told the rep I would call back from my phone. After over 45 minutes on the phone American Express could not give me answers on how they obtained my roommate 's parents number. They stated I possibly had called from that number before, which I have never used.

I believe there is a possibility they could be getting 3rd party tracking data from my XXXX XXXX XXXX cellular device. I wasn't answers on how they even obtained the number and how they knew I was there at that random moment.
Product: Credit reporting, credit repair services, or other personal consumer reports

AGAIN, XXXX XXXX XXXX XXXX just labeled the following complaint as duplicate -- -- -- -- -- " How can every complaint and request sent to XXXX XXXX Auto Finance be labeled " duplicate '' when not one request or complaint has yet to be answered? I want XXXX XXXX XXXX XXXX to explain. XXXX  XXXX XXXX XXXX can call me and explain their position instead of just ignoring and playing games labeling all complaints are duplicates. I want XXXX XXXX XXXX XXXX, Transunion, and XXXX to explain why every complaint and request sent to XXXX XXXX XXXX XXXX is labeled " duplicate '' when they have yet to answer one. '' Amazing!!! XXXX XXXX XXXX XXXX is making a mockery of America Laws and government. In addition to labeling everything as " duplicate '', they have yet to send copy of the dated credit report that will prove they did not have permissible purpose to pull my credit in 2017 that led to a fraudulent auto loan.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate removal of fraudulent accounts, names, addresses, and inquiries from my credit report as a result of identity theft caused by the Equifax Data Breach. Despite my efforts to notify you and submit an FTC Identity Theft Report, these inaccuracies remain on my credit file, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

FCRA Violations : FCRA Section 605B ( 15 U.S.C. 1681c-2 ) : You are required by law to block fraudulent information once notified of identity theft. I have already provided all necessary documentation, including an FTC Identity Theft Report. Your failure to remove these fraudulent accounts and inquiries violates this section. 

FCRA Section 609 ( 15 U.S.C. 1681g ) : I have the legal right to request verification of any account on my credit report. You have failed to provide any documentation or proof that I opened these accounts, and they must be removed immediately.

FCRA Section 611 ( 15 U.S.C. 1681i ) : You are required to conduct a proper investigation within 30 days of my dispute. Your failure to investigate and correct these errors within the required time frame is in violation of this section.
Product: Credit reporting, credit repair services, or other personal consumer reports

My main complaint is with the 3 major credit bureaus. I am requesting for President Biden to transfer all of the Americans credit ratings from Equifax, XXXX and XXXX to a more fairly used public registry that gives us all a fair game to the system, and I mean all minorities as well, and it should all be sent to you all the Consumer Financial Protection Bureau. I feel their system of running the people 's credit as rigged to advance only a select few and not anyone else that tries to get ahead as well in this country.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have emailed and called Capital One Credit Card numerous times in the last 6 months about my credit card account not showing up on my XXXX. I am trying to buy a house and this is affecting my credit score big time. I have had a credit card with Capital One for over a year now and they still are not reporting on my XXXX but its reporting on all the other agencies ie: XXXX and XXXX. I also contacted XXXX which  puts the blame on Capital One. Capital One keeps telling me when I call that they will update my report and it should show in 30 days. Well 6 months has passed and its still not updated. PLEASE help me resolve this issue! I don't know what else to do.