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

Subject : Violation of Federally Protected Consumer Rights- Request for Intervention I trust this letter finds you well. I am writing to bring to your attention a matter of grave concern regarding the compromise of my personal information due to the XXXX data breach. 

As I understand, you are already aware of the ongoing case related to this issue. I want to formally notify you that I am a victim of the XXXX data breach, and I have taken steps to alert XXXX about this situation. Unfortunately, my attempts to rectify the matter with XXXX have been futile, as they have not taken any action. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681, the list of accounts detailed below has violated my federally protected consumer rights to privacy and confidentiality. 

I seek your assistance in ensuring that my credit reports are accurate and free from any unauthorized or illegal entries resulting from the XXXX data breach. Please follow up and facilitate the removal of these items from my credit reports with either XXXX or TransUnion, as they may be reporting accounts that were included in the XXXX credit report. 

I want to emphasize that my information was sold and bought illegally due to the XXXX data breach, as confirmed by XXXX themselves. I am attaching proof of XXXX 's acknowledgment of my victimization in this data breach. Despite this admission, XXXX has not taken the necessary actions to rectify the situation. 

I hereby request your intervention to expedite the removal of these unauthorized and illegal accounts from my credit reports immediately. I am providing a list of the negative accounts along with their names and account numbers as reported on the XXXX credit reports for your reference : XXXX XXXX XXXX : # XXXXXXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : # XXXX As per 15 USC 1681i ( 5 ), consumer reporting agencies are mandated to modify accounts that are not reporting information correctly. Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) explicitly states that 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. 

Thank you for your prompt attention to this matter, and I trust that your intervention will lead to the resolution of these violations.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
Chapter XXXX Bankruptcy Discharged Reference # : XXXX DateFiled : XX/XX/XXXX Chapter XXXX Bankruptcy Dismissed Reference # : XXXX DateFiled : XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The vehicle was a lease and they repo the vehicle. I fulfilled payment and the reporting to bureau the full amount of the lease vehicle on all 3 credit bureau. It was a lease not a purchased.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My son XXXX XXXX, who is XXXX, has never worked, does not drive, and has never had income reported except XXXX is showing on his profile an annual income of {$47000.00}. We can not get assistance for this error. I am his mother and representative payee. I am not sure what is happening except my ex husband is concealing assets under our XXXX sons social security number which is a felony. He has been known to commit these XXXX XXXX  malicious acts in the past.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion Consumer Solutions XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : [ 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 

I also noticed that my name appears to be misspelled on my credit report. My name has only XXXX correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Additionally, I request the removal of the incorrect employers listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Therefore, I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : Photo ID Proof of current address
Product: Checking or savings account

I have been a member of Wells Fargo bank since 2012 this past year. My sister has repeatedly used my card without my knowledge I would see her on and off the road when her and her ex-boyfriend or her and her babies daddy would come through town on their semi truck Dropping loads here and there and my card would come up missing then transactions will take place or disputes would take place in my account was completely ruined. Wells Fargo gave me my money back at first then they made me pay them the money back on top of that whatever was disputed I had to pay that company back as well, and when I contacted Wells Fargo about this, they said they were closing my account because we have an account with them is not beneficial for them and they told me I would have to contact visa to get my funds back because visa is the one holding the money from the dispute from where I had to pay the bank back and pay the company back That was disputed
Product: Credit reporting or other personal consumer reports

I have disputed this fraudulent and unauthorized inquiry before and was removed from my credit report yet upon checking recently, it re-appeared. I do not recognize this inquiry, I already spent enough precious time it is so frustrating and exhausting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$8500.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX NATCREADJ XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX  XXXX {$870.00} XXXX XXXX  XXXX {$870.00} XXXXXXXX XXXX XXXX XXXX {$820.00} XXXX SXXXX  XXXX {$710.00} XXXX XXXXP XXXX {$510.00} XXXX XXXX XXXX XXXXXXXX - XXXX XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX, 1681section 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 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. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These credit accounts and collections are the results of identity theft and fraud.
Product: Debt collection

I was called by this company 7 times before XXXX I called the number back and asked them to stop calling me and they still called back 4 more times, totaling 11 calls in 1 day, all before XXXX I feel that this is harassment. I called back a 2nd time and was told that whoever I spoke with the first time should have taken me off their list and did not.
Product: Credit card

Hahahaha Look. I already told you I'm not paying ANYTHING until you make it possible for me to pay my bill. Sending me an email that I have to pay late fees isn't happening. I will not pay a single dime until the amount due reflects {$110.00} as the bill should have been in XXXX. As long as you understand it will never be paid and yet you continue to send threatening emails that I haven't paid the bill yet you seem to not understand that this whole issue is your fault. 

Fix the amount due or you won't be getting anything from me. I don't care anymore. I will continue to document your inability to communicate as I have tried very many times to communicate with you. Please stop acting like this so I can just pay my bill please. 

THE BALL IS ON YOUR COURT. FIX IT! THEN ILL PAY IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Account Number XXXX TRUIST BANK {$4400.00} POSTED ON XX/XX/2021 CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Product: Credit reporting

I had filed bankruptcy. I had asked to reaffirm my vehicle and so the lender stated that they never received paperwork asking for me to reaffirm my vehicle. So I went back and forth between the lender and my attorney to resolve this matter. By my attorney 's advice I was told to dispute it with the credit bureau so they could update the account to show open and active and my payment history. So I filed a dispute with Trans-Union and so on XXXX/XXXX/2015 they received my dispute. on XXXX/XXXX/2015 they came back and stated that my dispute was complete but instead of them updating the account they removed it from my credit bureau. So I was told by several TransUnion reps that all that is needed if for the lender to contact their maintaence dept and they can updated the file. I contact the lender on XXXX/XXXX/2015 and left a message on XXXX/XXXX/15 XXXX XXXX in the credit dept at XXXX contacted me back and stated that Trans-Union 's policy is once they remove an item from your credit bureau they can not put it back. I feel this is unjust seeing that I had no clue in the beginning that the account was closed on my account and or that the lender was not made aware that I reaffirmed my vehicle. I 'm trying to rebuild my credit and my life so that I can move forward. I have had this vehicle for 2 years and have never been late on a payment. I need TransUnion to put this item back on my credit report. I 'm trying to by a house in another 18 months and so this would help me in this process.
Product: Credit card or prepaid card

I've had a credit card relationship with Capital one for about 5 years now and never had an issue. I've consistently paid on time and never had any issues. I even work at the largest credit union in XXXX, TX and have recommended Capital One to many members wanting a reliable CC however, things have drastically changed within the past few months. When out with my family on XX/XX/20 I was told that my Capital One card was declined. I have a {$10000.00} limit on the card and religiously pay off the balance each week so I know it wasn't anything to do with non sufficient funds. I quickly checked my app and noticed my card was restricted. After that embarrassing moment I called Cap One and was told that I was sent a letter requesting information ( DL, SSN,  Proof of Residence ) and since I hadn't responded within a certain time frame, my card was restricted. I had no idea, as I always opt in to the paperless option with all merchants and financial institutions. Most mail I get is pretty much pre-screened offers so there was a good chance it went in the trash. Either way, I log into my Cap One account at least twice a week and assumed there would have been a notification on my acct to provided that info. Either way, I faxed the info the following Tuesday XX/XX/20. Fast forward to a couple of weeks later, then a month, and now XX/XX/20 nothing has been done and my credit card is STILL RESTRICTED! The " manager '' I spoke with today stated they have a small team who reviews this information and hasn't came across mine yet. You would think that such a large company would add more people to that team to knock these out faster. What upset me even more was that I had to cancel an XXXX  rental and was credited back to my account over {$200.00} which some covered a small balance I had left. Now {$190.00} OF MY OWN MONEY is on hold and Capital One is unable to return it to me. They can conveniently still accept payments and won't hesitate to report a late payment if I don't. This is very unacceptable. Luckily I still have a job and have another card in case of emergency, but I feel sorry for those who are dealing with this and had been relying on their CC as a source of income especially during this pandemic.
Product: Debt collection

i DIDNT REALLY NOTICE THIS CHARGE DUE TO ME BARELY LOOKING INTO THIS AS OF RECENTLY. this company would email me charges but i never paid it any attention because i just thought it was spam due to me not knowing what it was.
Product: Credit card or prepaid card

At some point during my relationship with a Citi Bank Credit Card account, billing was defaulted to electronic and sent to an email address I no longer use. 

The bank auto-called and indicated I was behind in payments around XX/XX/XXXX. My wife called the company on my behalf on XX/XX/XXXX, negotiated a late fee to be dropped and paid us up to date, and at that time we requested the account be closed. 

Fast forward 2 months and I get another call from the automated service indicating I am behind in payments and have 2 months in late fees on our account. 

I called to find out that they did not close the account, and kept sending bills to my old email address. I asked that my information be updated for communication purposes, and after a few conversations the rep indicated my account would be closed and brought to a XXXX   balance. 

Today on XX/XX/XXXX I recieved a call from Citi indicating I am still behind in payments. I called and spoke to a rep, and eventually a supervisor that asserted that there were no notes indicating we requested the account closed in XXXX so therefore it was not done. Further, they indicated since the card was paid up 2 days late, the system must have added a late fee when my wife requested pay-off info. 

I am now looking at paying another {$81.00} in late fees to XXXX my account out, but strongly feel that this incident is a clear failure on Citi 's part to do what we requested, and vehemently disagree with the supervisors assessment of this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XXXX XXXX, XXXX to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Complaint Detail https : //portal.consumerfinance.gov/consumer/s/complaint-detail # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Dear Sir or Madam : I notice a collection account for XXXX XXXX with account # XXXX. The original Account # XXXX is with a balance due of {$960.00}. 
Ever since 2013 when it was first reported to the credit bureaus, i disputed the creditors in question in writing via US Postal Mail and demanded proof under the Texas Finance Code section 392.202 (  b ) that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. Section 392.202 ( b ) of the Texas Finance Code requires the debt collector to provide a Statement that verifies the accuracy, confirms the inaccuracy or states that they have not yet completed their investigation or determination. There is a requirement that response be provided within 30 days of request, however the response can state that they have not yet completed the investigation. 

So far XXXX XXXX has been able to provide NO such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 
Despite credible debt validation letters sent & their obligation to cease collection activities, XXXX XXXX showed willful ignorance to the law with inaccuracies in their response times. 

Under TX Finance code section 392.202. ( b ) collectors are required to delete their reported collection if they do not provide their statement within 30 days of request & have the option of re-inserting the reported collection if they have legitmately validated
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to work this out with certified letter to credit bureau. The items do not belong to me. XXXX Bank, XXXX XXXX Bank, XXXX Bank XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I am asking for my signature on these documents or proof that items belong to me.
Product: Credit card or prepaid card

For two months I have paid my bill on time I called about why I charged a late fee XX/XX/XXXX I mail the check off 5 days before it was due, and when it hit my checking account it show that the check cleared the next day, So, I know that they had the check before the payment was due which was on the XXXX, but it was posted on my account on the XXXX Now I went into Target on XX/XX/XXXX two days before the payment was due, but I was charged a late fee. 
The service desk took my check on XX/XX/XXXX but it cleared my checking account on XX/XX/XXXX. 
If I pay on my Target bill on XXXX XXXX why am I being charged a late fee I also used the card the same day to buy XXXX with on items, it shows that I used the card the day I paid the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent letter to the three bureaus transunion, XXXX and XXXX on XX/XX/2022 and XX/XX/2022 and havent got a response yet. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


. Validate Verify XXXX XXXX Account XXXX : Please remove it from my credit report. 

2. Validate Account XXXX XXXX Account XXXX : Please remove this inaccurate information from my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

. Validate Verify XXXX XXXX Account Number : Please remove it from my credit report. 

2. Validate Account XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX pulled my credit with my consent. It had negatively impacted my XXXX XXXX and Ive disputed it. The company apologized for their error but it had yet to be reversed and my my score with Experian continues to be low. I want my score to be increased and corrected. 

XXXX XXXX XXXX pulled my score on XX/XX/XXXX and XX/XX/XXXX Also a collection from XXXX was placed on my report. Ive never been serviced at XXXX. I reported it as fraud and it has yet been removed from Experian and hasnt been reversed to increase my credit score.