23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 FEDERAL TRADE COMMISSION or https : //www.ftc.gov 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 which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ave had continuous problems with Equifax that are unbelievable. 

I can not submit disputes online because they do not have accurate personal information for me on file. Disputing by mail takes significantly longer, and all my disputes come back with INCORRECT information. XXXX and XXXX  are correctly reporting these accounts. I have no idea where Equifax is getting their information. I submitted disputes on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I received a notice today that my dispute results were ready. When I tried to view them I could not get them pulled up because the website will not accept my address. I finally obtained them by accessing my credit report through a third party. The updates were with information that was even more out dated than the original dispute. 

I contacted equifax twice on XX/XX/XXXX. The first associate kept telling me I dont have an equifax credit report. The second associate told me all she could do is file disputes again and that would take 30 days. I have waited long enough for this company to get it right. I should not have to go wait another month. The f you can not report courage information then you should not be in the credit reporting business. 



The following accounts are not reported correctly. 

XXXX XXXX XXXX XXXX XXXX Account is closed Balance is {$0.00} Equifax is reporting balance of over {$1100.00} XXXX XXXX Account is closed, payments have NEVER been late. The balance is {$0.00} Equifax is reporting a balance Over {$2000.00} XXXX XXXX XXXX This account balance is {$240.00} Equifax is reporting over {$500.00} XXXX XXXX This account is closed with a {$0.00} balance Equifax s reporting open collection with balance over {$300.00} XXXX XXXX XXXX This account is closed with a {$0.00} balance Equifax is reporting open collection with balance of {$390.00} The following hard inquiries were not performed by me and should be removed IMMEDIATELY. I have placed a freeze on my account and expect that Equifax will not furnish my credit information to any one else without my authorization : XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXXXX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX  It is the duty of equifax to uphold the highest standards for accuracy and verification when reporting information that has a financial impact on a person. Due to the negligence and lack of diligence on the part of Equifax, I have spent countless hours calling representatives, filling out disputes, and filing complaints just to get them to do their job properly. This is having a devastating impact on my Financial health and my ability to provide for my family.
Product: Checking or savings account

Several years ago, when I resided in the State of New York, I opened two certificate of deposit accounts and one IRA account with TD Bank. I now reside in XXXX, Illinois and would like to deposit the funds with another financial institution. I called the generic TD Bank customer service number to close the accounts and after speaking with several individuals I was instructed to call the XXXX XXXX, New Jersey branch. The accounts were opened in XXXX XXXX. I called the XXXX XXXX branch manager and she told me that the only way I can close the accounts is to send the certificate of deposit documents to her or to physically appear in the branch. Unfortunately, I can no longer locate the certificate of deposit documents because of the length of time that has transpired since the accounts were opened and because of several intervening moves. I asked if there is any way to close the accounts without providing the documents or physically appearing in the branch and she said no. The nearest TD Bank branch is several hundred miles from XXXX. I asked if I could appear in a nearby TD XXXX branch and was told no. This imposes an unnecessary and overly burdensome requirement on me the customer, especially with the COVID related travel limitations. I find it ironic that I can close on a far more complicated real estate transaction on a remote basis but I can not withdraw my funds from TD Bank. I have not had this problem with any other financial institution. Any assistance that you can provide to enable me to secure my money from TD Bank will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/year> account is closed by original creditor and XXXX balance incorrect to present years masrk negative corrent report now is charge of with XXXX only my resolution is remove this account delete from my credit report soon possible
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX & XXXX / & Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

i HAVE DISPUTED THESE FRAUD ACCOUNTS WITH THE CREDIT BUREAUS AND THE BANK. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. THIESE ACCOUNTS ARE NOT MINE, I DID NOT SIGN ANY APPLICATIONS FOR THEM, THEY DO NOT BELONG TO ME. ALSO THESE ACCOUNTS DO NOT EVEN SHOW COMPLETE REPORTING, OPEN / CLOSE DATES, COMPLETE PAYMENT HISTORY, WHICH IS ANOTHER INDICATOR OF A FRAUDULENT ACCOUNT. I HAVE ATTACHED THE FRAUD INFORMATION BELOW. POLICE REPORT, ID THEFT STATEMENT AND A COPY OF MY ID
Product: Credit reporting or other personal consumer reports

Disputed late payment information reporting on my consumer report several times and no changes were made. In XXXX, XXXX, and XXXX I sent letters concerning the late payments. Nothings changed. Transunion and XXXX and I'm not sure if XXXX is reporting it also, late payments for XXXX XXXX # XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX card ending in XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX late payments XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX. XXXX ending in XXXX, late payment for XX/XX/XXXX. 
According to USC 1681S 2 RESPONSIBILITIES OF FURNISHER ( A ) ( 1 ) ( f ) Reporting information during XXXXXXXX XXXX post national emergency covered period in which 120 days after declared over, it was over in XX/XX/XXXX. In which an accommodation clause allows to defer, forebear, modify, partially pay or get other assistance/relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I searched for my name on the Internet, I discovered that some of my personal information was being utilized without my permission. My information was acquired by an aggregator website, which advised me to check the website 's FAQ section before contacting approximately nine separate websites. I felt humiliated by the fact that I had to request that my belongings be taken, as I value my privacy. I discovered unauthorized fraudulent accounts on my credit report ; I would like these accounts to be removed and rectified. Remove all fraudulent and negative accounts from my credit report. This has impeded my capacity to obtain credit. I am making every effort to regain control of my life. Please help me eliminate all fraudulent accounts. Please inform me of any additional steps that can be taken to remove these accounts from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

LEXIS-NEXUS IS UNLAWFULLY FURNISHING PUBLIC RECORD NO.XXXX ON MY XXXX  IN ERROR AND HAVE DISPUTED SINCE XX/XX/2018. SEE ATTACHED.
Product: Credit card or prepaid card

I have a loan with XXXX/TD. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX/TD with no successful resolution. XXXX, XXXX  and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On date XX/XX/2023, I initiated a money transfer transaction through XXXX from my XXXX XXXX  account. The intended recipient 's details were accurately provided, and the amount transferred was {$2400.00} plus {$1.00} fee. 
Unfortunately, despite the transfer being processed and having surpassed the expected available date ( XX/XX/2023 ), the receiver has not received the funds. In response to this situation, I immediately contacted XXXX 's customer support for assistance. However, they were unable to provide any specific information about the whereabouts of the money or the cause of the issue. All they suggested was for me to wait for someone to contact me. No one has reached out or replied my email since. 
This situation has caused significant distress and financial hardship for both myself and the intended recipient. I kindly request your attention to investigate this matter and rectify the situation as soon as possible. 
I sincerely hope that this issue will be resolved promptly. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Consumer Name : XXXX XXXX XXXX DOB : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card from XXXX XXXX XXXX XXXX with a balance of {$20000.00}, a personal credit card from XXXX XXXX XXXX Credit Card with a balance of {$1000.00}, a XXXX XXXX account with a balance of {$2600.00}, an account with XXXX  XXXX XXXX XXXX. {$1300.00}, a XXXX XXXX XXXX account bal. {$1300.00}, 6 accounts with XXXX. XXXX XXXX. {$1700.00}, XXXX XXXX. {$1000.00}, XXXX XXXX. {$6500.00}, XXXX XXXX. {$2600.00}, XXXX XXXX. {$4500.00}, XXXX XXXX. $ XXXXThese accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

This complaint is regarding a closed account with XXXX. I have been a customer of XXXX for more than 4 years, unfortunately, this incident happened twice with XXXX. 

The first one was that I transferred responsibility to another person and stated that there was a {$75.00} balance that was not paid. I was called by a collection agency after several months and did pay for it because I did not want to get reported to the credit bureau. However, XXXX did not send me any mail or final bill or even a phone call even when I still have an active account with them. 

The second incident happened early this year when I transferred responsibility to my brother as I completely cancelled my XXXX account due to unsatisfactory service. My transfer of responsibility and change of service started XX/XX/XXXX. I then requested a final bill which I received on XX/XX/XXXX  with the amount of XXXX that I paid XX/XX/XXXX. Since I received the final bill, I assumed all the transaction including the transfers were all taken care of. 

On XX/XX/XXXX, I received another letter that stated I owe {$550.00} from a cancelled account from XXXX. I then started calling XXXX multiple times to clarify the bill that I even went to their store. Unfortunately, since the account was closed and I couldn't remember the passcode, we were back and forth on who to talk to. I believe my mistake was also not writing down how many times I called which I was in good faith that they will follow up. 

I did not hear anything from XXXX at all so I decided to call on XX/XX/XXXX, I finally learned that XXXX charged me for an equipment that I do not own. XXXX then contacted the person that I transferred the responsibility to so that this transaction will be completed. I did not received any notification or follow up call, again, in good faith that they are handling the situation like they should. 

A couple of weeks later, I still have not received any final corrected bill XXXX so I made a call on XX/XX/XXXX. They said that the person that I transferred responsibility to only signed 1 out of 3 paper documents. I then question them why did they not informed any of the account holder or follow up any call so this can be avoided. After lengthy conversation, I stayed on the phone with the representative along with the other customer to make sure that the other 2 documents were electronically signed and said that the signed documents were completed. I then asked for an updated bill but was advised by the customer rep to call back on XX/XX/XXXX because my billing cycle would start then and the bill will be updated. 

On XX/XX/XXXX, I received a phone call from Convergent Collection Agency and spoke with XXXX XXXX that stated I owe $ 500+ from XXXX . 

XXXX did not communicate properly with us regarding our final bill. They just sent my information to the collection agency without proper follow up or letter. This is very devastating especially I take care of my credit score.
Product: Credit reporting

I have submitted all info in reference to many accounts and inquiries opened in my name. I have provided police report, FTC affidavit, copy of my driver 's license, social security card, bill, etc. I have advised them that many of these accounts, broken lease ( which I have provided to XXXX ), inquiries, etc are not mine. I am livid, XXXX that I have done what I need to do, provided information, etc and still have not gotten correct remedies to the situation. I have attempted to reach out to these companies and have been advised that my information was used and provided ( hence the reason I have obtained a police report and FTC affidavit ). I should ONLY have inquiry fom XXXX XXXX XXXX, Department of Education, Walmart and Discover 2016 this is it ... XXXX was opened fraudulently in my name as I lived and have provided info to this company that I lived XXXX Tx, and have only had a XXXX. This is ridiculous as these companies are ignoring the fact that I have provided and stated this is fraudulent and are still reporting this on my Credit Bureau Report with no help from the reporting agency.
Product: Debt collection

A representative names XXXX said he was going to report me to his supervisor as in default of debt, in which I would be responsible for the entire amount, he said if I do not pay them, then my license will be suspended.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 5 months, I 've asked the Credit Bureaus to Remove all reference to my Liens from my Credit Reports. According to current Law, Effective XXXX XXXX XXXX, Lien Notices are required to be removed from Personal Credit Reports.The change by XXXX, Experian and XXXX which took effect XXXX XXXX, as part of a plan to ensure that consumer identifications in the data are accurate and current, the XXXX XXXX XXXX XXXX, a trade association for the companies When I asked XXXX, XXXX and Experian, to remove these notations -- from my Credit reports -- theses notations are still there.
Product: Debt collection

Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.

Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : 1. XXXX out the balance on this account.

2 Deletion from all consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, i sent XXXX  and transunion a document for reporting inaccurate and incomplete information on my credit report.also in XXXX and XXXX Designed receiveable violated the law by increasing the tradelines that they are reporting, its a 15 USC 1692 F ( 1 ) violation and i am turning this matter over to my attorney to pursue this matter. i have attached copy of the items that has been violated below.
Product: Credit card

I enrolled it in the CitiBank credit card XXXX XXXX about 3 months ago because it had travel benefits such as travel insurance and {$100.00} off a hotel stay of {$500.00} or more if booked through their travel portal Citi travel. I tried many times and the card kept getting flagged for fraud. Spoke to Citi travel and they said the issue was not with them. I talked to Citi and they said every time I used with Citi travel it would keep coming back as fraud. I escalated the issue but I was told meanwhile they would try to fix but unsure when and all the while my bookings are getting reserved as I am in limbo. They also said they would not update me if and when it would be corrected.
Product: Debt collection

This company, XXXX XXXX is using threatening language, stating they will garnish my income and put a lien on my vehicle. They are violating the FDCPA rules not stating they are a debt collector. The voicemail provided lets you hear how they threaten me. They also never provided me with information regarding the debt I owed. They sent it to the wrong address. When I tried calling and talking to them XXXX was horribly rude, she talked over me and wouldn't listen to me. I've requested they stop calling me but they won't.