23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

went on XXXX  website for credit card offer XXXX with no interest 14 or 15 months free interest on balance transfers o yearly fees XXXX to XXXX variable interest based on credit worthiness applied and approved in a few minutes then on XXXX got citi bank info in mail about interest charges two days later got letter from citi bank saying during our routine monitoring, we discovered suspicious activity on a new citi XXXX  XXXX account in your name we need to confirm this is your account before any additional charges will be allowed call XXXX so i called on XXXX XXXX different times got hung up on after identifying my social number cell number secret question i ask for the girls name and how to spell her name she said XXXX and is from the XXXX. she put me on hold when i ask her what was going on what is suspicious? i have not got a card with an account number yet nor i cant activate something i have not relieved. then she put me on hold then hung up on me. i have tried several times with no avail. very discouraging when you get scammed on one of the credit reporting bureaus website.i have the mail the sent me and keeping it. i have reported this to the federal trade commission as well. Note : on the XXXX  website it shows citi checked my report but shows i owe more then i do exactly what i was approved {$5700.00} but it does not show what or where or how i owe the {$5700.00} at this pint so i can not dispute what is not there. going to call XXXX and have a talk with them see what they say on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block these items from my credit report. I never initiated these accounts nor do I have a contract with the following Company ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. These accounts are fraudulent and need to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have XXXX business days to complete this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I along with our attorney have tried to resolve a matter on ur credit report. We have sent letters to Macy 's & Citi Bank and keep getting the run around for a balance that's reported as a charge off for {$1400.00}. Every time we call each department transfers to someone working in another country and you can not get any information. The last letter we received from Macy 's stated they can not discuss this matter. We have also received a letter stating they are not collecting on the said amount. They said this account is past the statute of limitations. Of this debt is reporting why can we not get something official and they fully remove this account? We haven't been able to make any progress or get any accountability which isn't fair to continually be able to report something on our credit that we can not get a legal response to our attorney from them.
Product: Credit card or prepaid card

Every other month some attempt to apply through Chase an XXXX credit card. It is denied because I have had a bankruptcy in 2011. My problem is that these are hard inquiries and each attempt drops my score by 2 points each time. Chase has advise I get a freeze on my credit. I want them to remove them from my XXXX  credit report. This will resolve my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX - Transunion XXXX XXXX XXXX Account # XXXX - XXXX XXXX XXXX XXXX Account # XXXX - XXXX, XXXXXXXX XXXX  Account # XXXX - Transunion XXXX XXXX  Account # XXXX - XXXX XXXXXXXX XXXX Account # XXXX - XXXX XXXX Account # XXXX - Transunion XXXX XXXX Account # XXXX - Transunion USDEPTOFEDXXXX Account XXXX XXXX XXXX XXXX USDEPTOFED/XXXX Account # XXXX - XXXX XXXX Account XXXX XXXX - XXXX DP OF EDUC Account # XXXX - XXXX DP OF XXXX Account # XXXX - XXXX XXXX Account # XXXX - XXXX XXXX Account # XXXX - Transunion XXXX XXXX XXXX XXXX Account XXXX XXXX - XXXX XXXX Account XXXX XXXX - Transunion XXXX XXXX XXXX Account # XXXX - XXXX XXXX  Account # XXXX - XXXX XXXX XXXX XXXX Account # XXXX - XXXX XXXX Account # 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 Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Gym owner offered 12 month membership for XXXX month price if paid in full at time of signing up. Signed up on XXXX/XXXX/15, owner closed business on XXXX/XXXX/15 after not paying rent since beginning of year. I disputed half the amount on my credit card since I was only able to use XXXX a years membership, owner being in breech of contract of 12 month deal. Feel deal was made deceptively, with owner knowing he would be closing within XXXX months as evidenced by realty company filing suit to have him evicted and making a settlement with hi on XXXX/XXXX/15 after many months of not paying his rent. He has now sent me to collection agency for XXXX amount of credit card dispute, which is still being investigated by credit card company. He has done this with all members that disputed any part of his membership fees on their credit cards. I can provide you with names as needed. He also sent a nasty message to my cell phone threatening that " DSG Collections will be calling you often until your new obligation of {$720.00} is paid for ''.
Product: Credit reporting or other personal consumer reports

Last week I sent XXXX a letter asking for the support of the FCRA 605B law. I sent an Identity Theft Report and Police Reports to the credit reporting agency.

They have five days to remove the identity theft trade line from the credit reporting system. 

I had to wait 30 days for the credit report to advise me that they would not be removing the identity theft accounts and the massive amount of fraudulent inquiries. 

I had to go to the lawyer for counsel for this matter because I have to sue for damages pain and suffering.
Product: Credit reporting or other personal consumer reports

To : Whom It May Concern : I was living without paying attention to credit. I didn't feel the need to use a credit card because the interest rates were high, and I always used the bus, but this time, I had to lease a car because my job was far away, so I was very surprised when I checked my credit report to lease a car. Someone applied and used my personal information. I am suffering so much from these incorrect records. I did not sign my name, nor I directly or indirectly authorize anyone else to sign my name. Someone has used my personal information to tie me to an address record where I don't even live, a phone number, or even a credit card. My credit is ruined and I can't do anything about it. The records that appear on my credits are not entirely mine. I really need to take care of it from now on. Please completely delete these incorrect records. 


-- ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$1500.00} - I am the victim of identity theft, and I did not authorized this account. This account is related to an address where I do not live. 

2. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$3900.00} - I am the victim of identity theft, and I did not authorized this account. This account is related to an address where I do not live. 








-- COLLECTIONS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$1100.00} - I am the victim of identity theft, and I did not authorized this account. This account is related to an address where I do not live. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$9900.00} - I am the victim of identity theft, and I did not authorized this account. This account is related to an address where I do not live. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$6200.00} - I am the victim of identity theft, and I did not authorized this account. This account is related to an address where I do not live. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$7400.00} - I am the victim of identity theft, and I did not authorized this account. This account is related to an address where I do not live. 

7. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$7300.00} - I am the victim of identity theft, and I did not authorized this account. This account is related to an address where I do not live. 

8. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$6100.00} - I am the victim of identity theft, and I did not authorized this account. This account is related to an address where I do not live. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$650.00} - I am the victim of identity theft, and I did not authorized this account. This account is related to an address where I do not live.
Product: Credit reporting or other personal consumer reports

RE : Social Security Number : XXXX To Whom It May Concern : This is yet another attempt Im taking solely for the purpose to update my personal information. 15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXX XXXXXXXX XXXX XXXXt XXXX XXXXXXXX XXXX XXXXXXXX. Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 15 USC 1681 a There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter The current personal information being furnished is inaccurate, not relevant out dated information. 15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT 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 about whom the report relates. The Consumer reports must be accurate this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report! Once this is done please send me an updated copy of my consumer reports reflecting only the correct information below. Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX Bankruptcy To Whom It May Concern :. Validate Account BankruptcyXXXX XXXX XXXX : XXXX Please investigate and delete from my credit report. 

2. Validate Account Unknown Case Number : XXXX Please investigate and delete from my credit report. 

3. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. Validate Account XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 


I am writing to dispute the presence of a dismissed XXXX XXXX bankruptcy case on my credit report. Under the account reference This action is taken under the guidance of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

( CASE # XXXX ) was finalized on [ XX/XX/year> ] However, I have encountered a significant issue with its reporting on my credit profile. 

I have recently been informed that there is a Bankruptcy XXXX XXXX in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy XXXX XXXX. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file. 

The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. 

However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. 

A Bankruptcy is public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom? 

Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information is immediately deleted from the credit file you maintain under my social security number. 

Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file.

Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your Agency. 

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

I have filed multiple disputes with Equifax, XXXX  and XXXX  regarding accounts that were opened without my knowledge that I do not recognize. These accounts continue to show on my report after over a year of sending police reports and filing ID theft reports. These accounts have various dates. 
Equifax has refused to remove all of the accounts listed in this complaint even after I have filed 3 identity theft packets. Sent them police reports and contacted them on several occasions. 
All of the companies in this complaint have been sent notices from me as well as identity theft reports.
Product: Debt collection

PNC XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX   HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF $XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I went into a Home Depot to make a payment on my account as well as make a return. While making the return I informed the clerk that this return was the only thing I had charged on my account she went and talked to supervisor, then told me I wouldn't have to make the payment because the return would cancel out the payment that way due that day. So I didn't realize that the clerk had misinformed me, nor did I try to make any more payments because I should have had no balance. It wasn't until I got a credit alert and had a late payment on my account that I realized what happened, The late fees are what caused me to have a balance because the return had now been processed. I immediately called and have called several times over the years to no avail. The account is now closed and they say that I can't speak to anyone because I no longer have an account with them and direct me to the credit bureaus. This is the only late payment on my account in all the years of my credit and they don't even try to look at the file and correct their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

violation of my FCRA. I had submitted a dispute on two separate occasions by certified mail ( XX/XX/2021 and XX/XX/2021 ) to Transunion Credit Bureau. The credit bureau has not acted on my disputes so I am demanding the collection of ( XXXX XXXX XXXX XXXX XXXX XXXX ) be remove immediately as the bureau has more than enough time to conduct the investigation. Their failure to promptly act and investigate have caused me undue financial hardship. I am unable to obtain credit because of this fraudulent collection. Please compel the 3 bureaus to remove this collection immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX/XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX XXXX/XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( 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. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Checking or savings account

Capital One has placed a restriction on the joint bank account I share with my husband. They refuse to tell me why there is a restriction or release my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent XXXX XXXXXXXX an Accord & Satisfaction offer for the FULL amount of the account listed. The 15 days expired for the deadline for the objection to my offer for the settlement. Based on XXXX XXXX non-objection to a 15-day restrictive endorsement notice, on XX/XX/2020 I included the settlement payment of {$1000.00} for account ending XXXX, and {$450.00} for account ending XXXX. XXXX XXXX agreed to the following : Once XXXX XXXX receives the payments of {$1000.00} and {$450.00} and upon endorsement of the checks in the amounts for {$1000.00} and {$450.00}, XXXX XXXX agrees to satisfy the debt on the above account. 
Upon payment XXXX XXXXXXXX, agrees to delete any negative items being reported to all Credit Reporting Agencies within 30 days and send me written notice of such deletion : and XXXX XXXX, will update the reporting on the account as PAID AS AGREED, with no late- payments or derogatory comments whatsoever, within 30 days to all Credit Reporting Agencies. 
In addition to the above terms, XXXX XXXX, must cease all collection or legal activity on the extinguished account noted above, unless debtor goes over 90 days into default on this Accord, which would render it null and void. 
XXXX XXXX endorsed, cashed/deposited both checks in the amounts listed above, but has not held their end of the Accord. They are still reporting negatively to the credit bureaus as well passed the accounts over to collections. All of which are in breech of the legal binding agreement we have in place. I have reached out to the company every month since XX/XX/2020 but to no avail. I have also disputed with the credit bureaus, submitted all documents to support case, but they have done nothing.
Product: Credit reporting 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 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 a 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.