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

I am writing to formally request the immediate blocking and deletion of certain accounts from my credit report. I am a victim of identity theft resulting from a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit file to prevent further harm. 
Accounts to Block and Delete XXXX. XXXX  XXXX Bankruptcy XXXX XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Bankruptcy Reference Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX  XXXX Bankruptcy Reference Number : XXXX Date XXXX XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$450.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$980.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$790.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$950.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1500.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$58.00} XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1000.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$1000.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$790.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$1500.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$950.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$720.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1000.00}
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This is a debt that was notified to me last week thru XXXX XXXX, And it is regarding a medical bill of a lab work I had done last XX/XX/2020. This lab work was part of a FREE XXXX XXXX XXXX I am taking. It is sponsored by XXXX XXXX XXXX anr has always been free. The way it works is every three months I go to the clinic of XXXX XXXX XXXX, they do the lab work and my insurance covers only the treatment because the Doctors visit and the lab work is free, apparently covered by XXXX XXXX XXXX. 
So in this case XXXX XXXX didn't pay for the lab work, processed at XXXX XXXX XXXX and this last company after sending the bill for the past 12 months to the Doctors office sent the bill to collection. 
Because the were sending the bill to the Doctors office I never knew about all this till XXXX XXXX notified me. 
The debt is {$460.00} dollars. I contacted all this people and they said its not my responsibility but the negative report is still there and i am being hired by a major bank at the moment, which wont hire me if I have any credit issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : Equifax Equifax mishandled my information, which puts me and countless other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to correct these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior complain and I'm including it again. 
Here are the items that needs attention in my file : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of XXXX : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number XXXX XXXX ; XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX, MD XXXX ; XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXXXXXX Balance : {$390.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXXBalance : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

The attached Writ of XXXX XXXX was attached to my home at XXXX XXXX XXXX XXXX, XXXX Ga XXXX as a XXXX. This is not my debt. It appears this was orchestrated in order to damage me further in BRC Case Number XXXX, It appears the Trustee could have been involved as he is unethical, I am requesting all information be sent to me in order to take all necessary legal approaches.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an account fraudulently opened in my name.

I am a victim of identity theft and did not open this account.

I am a victim of the XXXX  data breach.

State issued ID have been compromised and my social security has been compromised.

My postal mail was being forwarded out of state where theft of my personal information took place.

I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Fraudulent inquiries from Equifax is XXXX and with XXXX is XXXX XXXX XXXXXX/XX/2020. 

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

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

According to my research about FCRA 605, 3 credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit 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 CREDIT BUREAUS must remove are listed below : XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The address that is file on with the bankruptcy is not mine nor have I ever lived at that address. This is not my bankruptcy. I request that this item be removed from my credit report. It does not belong to me.
Product: Money transfer, virtual currency, or money service

Got unexpected amount of fees. Got unauthorized transactions when I notified them it was fraud. Holding money longer than what it said
Product: Credit card or prepaid card

I have reached out to Capital One on multiple occasions explaining that someone fraudulently opened a credit card account in my name I have provided multiple documents via all 3 credit bureaus however each customer service representative that I speak to XXXX never find the account that appears in my credit file. Then someone reaches out and says they cant find the account but they know its mine and it will stay on my credit report, Capital One has been nothing but disgusting and disrespectful! I am a victim of identity theft as it states on all of my credit reports my own family member was the one who stole my identity so of course there may be similarities as far as my mothers home address but that does not dispute the fact that I AM A VICTIM OF IDENTITY THEFT! My next step is preparing for my lawsuit against capital one. HOW DARE YOU LIE AND SAY YOU HAVE RECORDS OF ME CALLING I WANT THE AUDIO BECAUSE THAT WAS NOT ME!!!! ANYONE COULD HAVR CALLED IN PRETENDING TO BE ME AND AS I STATED THE ADDRESS ON FILE IS A FAMILY ADDRESS MY MOTHERS HOUSE WE ME AND ALL MY FAMILY HAVE LIVED TOGETHER BEFORE YOU ARE PRODUCING FALSE INFORMATION AND I AM NOT GOING TO LET THIS SLIDE I PROMISE YOU BE SUED
Product: Debt collection

I noticed several duplicated collection accounts on my credit from Tablot, Adams and Moore, a collection agency that is not bonded to collect in my state. I sent for validation several times and they never answered me. They are in violation of SEC 809B OF THE FDCPA. THEY NEVER SENT ME MAIL STATING THAT THEY ARE PUTTING ANYTHING ON MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the CARES ACT for student loan. I am not late as my accounts are in deferrment from payment as with anyone else in the US. The repayment doesnt start until XX/XX/2021 so why Experian is reporting my accounts as late. Please direct them to read and correct. They have caused great harm to me in getting an auto loan because of these inaccuracies. I am attaching all proof and requests. 

XXXX student loansTotal balance : {$25000.00} DEPT OF EDUCATIONXXXX {$1500.00} Balance updated XX/XX/2021 XXXX late payment DEPT OF EDUCATIONXXXX {$6500.00} Balance updated XX/XX/2021 XXXX late payment DEPT OF EDUCATIONXXXX {$4600.00} Balance updated XX/XX/2021 XXXX late payment DEPT OF EDUCATION/XXXX {$4500.00} Balance XXXX XX/XX/2021 XXXX late payment DEPT OF EDUCATION/XXXX {$6600.00} Balance updated XX/XX/2021 XXXX late payment DEPT OF EDUCATION/XXXX {$1500.00} Balance updated XX/XX/2021 XXXX late payment
Product: Money transfer, virtual currency, or money service

I sent the remittance on XX/XX/XXXX and its supposed to arrive with the recipient on XX/XX/XXXX. They sent me a message on XX/XX/XXXX that it has been delayed and it MIGHT be available between XX/XX/XXXX to XXXX. I asked for a refund or cancellation of transfer but they wont give me my money back or cancel the transfer. They are not holding the end of their bargain with the remittance agreement.
Product: Debt collection

The debt collector called and told me that if I did not set up a payment arrangement that second that they were going to send out the police and have me arrested for credit card fraud. I did nothing for I talk to the credit card company and try and set up payments but they would not accept my payment because I can pay them only what I could which was minimal. Even the debt collector would not accept my payment because they said they were too small and I told him that was all I could afford yet they still threaten to have me arrested in the IRS come after me if I do not pay this. It 's in the amount of {$840.00} and its portfolio recovery and they have not made a formal notice that the amount what the date is for and everytime I ask I wo n't tell me they just say they have the dead in their office and it 's {$140.00} and I need to pay it now.
Product: Debt collection

I checked my consumer report and noticed an error on there. Debt from XXXX is being reported late 150 days late in XX/XX/2019 and 120 days late in XX/XX/2019. I disputed the error to the bureaus on three occasions explaining that how can an item be late 150 days late and then 120 days late? I requested verification and the bureaus never provided verification but continued on saying the debt was accurate and verified. I never gave any of the three bureaus permission to furnish the debt on my consumer report to begin with. That violates my consumer rights, pursuant to 15 USC 1681b ( a ) ( 2 ). I recently received a letter from a debt collection agency by the name of capital management services in regards to the debt mentioned. I know they are a debt collection agency because they stated in the letter that " This is an attempt to collect a debt ; any information obtained will be used for that purpose. This communication is from a debt collector. '' That also violates my consumer rights due to the indication of collecting debt. Debt collectors are not supposed to use any symbol on an envelope ( which they did ) or indicate that they're in the debt collection business. This is identity theft and both the credit reporting agencies and collection agency are violating my consumer rights.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX  XX/XX/2024
Product: Credit card or prepaid card

Please refer to CFPB complaint # XXXX-XXXX and all attachments filed XX/XX/XXXX. Citibank also recently issued an unnecessary note on my credit that needs to be removed immediately after allowing merchant XXXX XXXX XXXX XXXX to charge fees for services they did not deliver. This business has a history of not delivering service to it clients and deceives customers by issuing themselves false reviews online.This financial abuse has caused me to no longer be able to confidently use my credit with Citibank because it has used its position of power to make notes on my credit that could greatly affect it in a negative manner.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, 15 USC 1681 section 602a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801- which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian XXXX XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services.
Product: Checking or savings account

My debit card was stolen and used at an ATM in another part of town. Despite having sufficient evidence and documents after XXXX tries my claim was concluded as no error. Upon further investigation it seems Chime does this to many of it's customers without properly investigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is XXXX XXXX XXXX XXXX n it was a auto loan on a XXXX XXXX XXXX. On XX/XX/XXXX it was totalled out in an accident n my insurance company paid off the vehicle ( XXXX XXXX XXXX ) I had gap insurance just in case n they would cover any balance if needed. We recently in last year find out that XXXX XXXX is saying there is a balance of XXXX n won't describe to use what the balance is but they are reporting to credit bureaus that the balance is XXXX dollars n they refuse to include manager of collection department, to correct balance. Me n my wife, XXXX XXXX XXXX both have disputed this n spoke to XXXX XXXX on several occasions n they say they will not correct nothing no matter what, they don't care, per quote! My wife discovered that XXXX XXXX never followed through with a form they n only they have and send it to the gap insurance so they could pay off the balance on vehicle on XX/XX/XXXX. So my wife contacted the dealer got form n got it sent to gap n they paid off what they owed on XX/XX/XXXX And know they still want more money for late fees, ( which is there fault to begin with ) and won't update credit report. Even with XXXX XXXX treating to sue because of the fair credit reporting act. They still refused to update all credit bureau 's on me n my wife. They our breaking the law n for 2 years plus made me n my wife look like we don't pay our auto loan. I would like this be known n want XXXX XXXX to update bureau 's all 3 on me n wife n show XXXX balance paid in full as off XX/XX/XXXX And stop XXXX honest people over. Thank you. Please help I'm ready to sue the XXXX  out of them.
Product: Checking or savings account

I had a Chime acct that I had my check transfered into back in 2020. I had about {$1200.00} in my acct when one day I went to pay my rent and my card was declined. I went on to Chime mobile app and it started that my acct was closed. So I immediately attempted to call chime to dispute the whole situation well after several calls and no way of leaving a voicemail I finally got thru. When I spoke to the representative which was no help they requested that I send over a copy of my ID, social security card, and a picture of me holding my ID up. So I did, I never heard back from them I've attempted to call and was not able to speak to someone. After about two weeks I get a email that said I did not send them the info and as of right now my acct has been closed and for further action I needed to call them. Well needless to say after about 6 month of the back and forward them telling me they couldn't do anything CHIME stoled {$1200.00} from me with not one explanation.
Product: Debt collection

I recently relocated and during my relocating, I have been made aware that I have a fraudulent debt on my credit report from Financial Management Solutions LLC ( FMS ) located at XXXX XXXX XXXX XXXX XXXX, MD XXXX for {$1300.00}. They are claiming this debt was acquired from money owed to a rental management company called XXXX XXXX that went into default XXXX. I did not move into the property until XXXX/XXXX/XXXX and when I moved in XXXX, my lease was well expired, I was up to date with my rent payments and had a good walk through and relationship with the management company. I never received any outstanding bill, phone calls, etc in regards to any outstanding debt. I do not owe XXXX anything and when I called XXXX XXXX to inquire about this debt, I was told " I do n't know what you 're talking about, you do n't owe us anything ''. I sent a letter on XXXX/XXXX/XXXX to FMS requesting a validation of debt to and as of XXXX/XXXX/XXXX, have received no response. In the meantime, this debt is on my credit report and is affecting my ability to support my family. I have been in the process of hiring an attorney ( XXXX XXXX XXXX ) in this matter and will update with more information once it has been received.