23daVinci/CFPB_Complaints huggingface dataset:
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX  XXXX Balance : {$7400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2200.00} XXXX ( XXXX Creditor : XXXX XXXX ) XXXX Balance : {$650.00XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 XXXX XXXX XXXX ( account # XXXX ) appeared on my credit report with a balance of XXXX ( I am disputing this item ) Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Product: Credit card or prepaid card

I have been a Citibank customer for many years with a great credit and payment history. In XX/XX/2019 I logged in to my account, on the due date, and wanted to split my payment into two payments and was unable to do so. There isn't an e-mail address, which I prefer to communicate. Near the end of XXXX, before the closing date of my next month's statement, I called and spoke with someone in their "hardship" program. I explained that I wanted to change my due date because of how my payroll fell and that I would like to do bi-monthly payments. I was told that now that my account was past due they couldn't change my due date/billing cycle. The company offered me a six month program of $XXXX for six months. I again stated that I could NOT pay this amount on the XXXX of the month because of my pay cycle. However, I would pay this amount when I was paid. I set up an automatic payment for $XXXX  on my payroll date and that was taken from my account. And now because I didn't pay on the XXXX of the month that agreement is null and void. I have reached out twice more via CHAT and was told the same thing, my due date cannot be changed because I am past due. I have asked for a set monthly payment, lower rate, change my due date to no avail. I am not unemployed, but have experienced a job change with a lower annual salary and have assisted my daughter and granddaughter with living expenses this past year. Which I have shared multiple times with Citibank. I am not unemployed, I just need to be able to at least change my due date so that I can pay bi-monthly to meet the amount due each month. All the while the interest rate and late payment, not to mention my credit has taken a hit.
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX CA, XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX {$8300.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : - ; XXXX XXXX XXXXXXXX Balance : {$2500.00} ; EXPERIAN XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report.

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

I paid off my auto loan with SDCCU earlier this month, which required me to call customer service. The agent assisted me with making the final payment, informed me my title will be sent in the mail, and closed my accounts. Notwithstanding the payoff and closure, the bank pulled the payment from my checking account. Customer service informed me that it was the " system '' and they have no control over it. They informed me that this will take 3-5 business days for the funds to be returned and there is nothing they can to to cancel/intercept the payment and wire the funds back to me. Essentially, I was blown off. Apparently one has to explicitly request the scheduled payment to be canceled otherwise it automatically pulls the funds.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XX/XX/XXXX My only phone number is XXXX and only current address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Thanks, XXXX XXXX Items in collection : Account name : XXXX  XXXX XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Please note that the debt with Enhanced Recovery Company on behalf of the original creditor has been satisfied. Creditor refuses to update my credit report to reflect {$0.00} balance. Why hasn't this been updated? I received threatening messages from this company and fear of being sued for an old debt already satisfied. A possible judgment will damage my credit for at least 7 years.
Product: Debt collection

I received a call today saying that I needed to pay that debt, and I told the Agent I'd already paid it directly to XXXX, and because it was paid in full, they were going to take 10 % off. 
The Agent said : " You can't do that, '' I said : " I did do that, and the money had been taken out of my account already. '' I told her that I am a banker and that she needs to stop telling people that we can not settle whatever amount we owe directly with the lender. That is a scare tactic and shouldn't be used.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed fraudelent accounts on my report. Please remove fraudulent accounts from my report they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX  XXXX, XXXX AND TRANSUNION Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open UP UKNOWN accountS IN MY NAME. I did not open or authorize this account, and I therefore request that it be closed immediately. 

I am writing to dispute fraudulent charges on my account and my XXXX, XXXX, AND TRANSUNION credit report file. I have attached a copy of the report I received. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 did not authorized these merchants to do a hard inquiry on my credit report, an unknown person violated my identity, I did not open those credit cards in my name, and I did not open any car loan in my name and those collections accounts do not belong to me. I did not open an account XXXX XXXX XXXX XXXX amount XXXX phone number XXXX XXXX XXXX XXXX XXXX XXXXXXXX amount XXXX phone number XXXX. 

I AM A VICTIM OF IDENTITY THEFT, AND I DID NOT MAKE THIS CHARGE NOR OPEN THESE ACCOUNTS. I AM REQUESTING THAT THE CHARGE AND ACCOUNTS BE REMOVED. 

ENCLOSED ARE COPIES OF A POLICE REPORT AND IDENTITY THEFT AFFIDAVIT SUPPORTING MY POSITION. PLEASE INVESTIGATE THIS MATTER AND CORRECT THE FRAUDULENT CHARGES AS SOON AS POSSIBLE. 

IN ADDITION, AS A VICTIM OF IDENTITY THEFT, I AM REQUESTING THAT YOU PROVIDE ME WITH COPIES OF ANY APPLICATIONS AND BUSINESS TRANSACTION RECORDS RELATED TO THE FRAUDULENT ACCOUNTS. I AM REQUESTING ALL SIGNED CONTRACTS THAT I SIGNED FOR THESE ACCOUNTS. THE COPIES OF THE RECORDS CAN BE MAILED TO ME AT THE ABOVE ADDRESS. 

IN ADDITION, I HAVE MADE A COMPLAINT TO THE CITY OF XXXX XXXX XXXX 

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

I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX
Product: Checking or savings account

I have opened an account with Citi Bank and deposit {$200000.00} into the account on XX/XX/2022. According to their advertisement, the funds only need to stay in the account for XXXX XXXX  and they will have a promotional bonus credit of {$1500.00} credit into the account ; However, after XXXX XXXX the fund was not credit into my account. When I contact Citi Bank through online chat, they told me it will be credit into my account on XX/XX/2022 which needs another XXXX XXXX ( they did not mention on their advertisement ). As of today, XX/XX/2022 I still did not receive the promotion bonus, when I contact Citi Bank, they stated the funds was delayed due to technical issue. They did not provide an explanation or when the fund will be credit into my account.
Product: Credit reporting or other personal consumer reports

Company has refused to run investigations on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  even while reporting information clearly shoes fraud and is addressed to a location that is not on credit report. When asked to investigate issue company has stated meets FCRA requirements this is false as the address states XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address is not present on any reporting agencies and was clearly never in past or future. 
Company has violated 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable And should be held liable for all errors they continue to report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  accounts 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. 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

In accordance with Fair Credit Reporting and XXXX  Account # 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.
Product: Debt collection

I got a letter in the mail on XX/XX/2018 from Radius global solution LLC that they are trying to collect some debt that I have never heard of. Contacted my insurance policy and they have never received any lab report from XXXX XXXX XXXX XXXX. The balance is way higher than it would cost with my insurance. 


I tried to reach out to them but their number bounces and the call wouldn't go through. 

Account # : XXXX XXXX XXXX : {$220.00}
Product: Credit reporting or other personal consumer reports

For the second time today experian closed another complaint without addressing the issue and giving explanations that have absolutely nothing to do with the problem which once again and still that experian has NOW stolen 18 months of on time never late payments to XXXX and refuse to give them back and is directly negatively effecting my credit
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am a victim of the XXXX XXXX data breach, one of the largest data breaches in history. This breach exposed my personal information, including my Social Security number, date of birth, address, and other sensitive data, to unauthorized access.

Since the breach, I have faced significant challenges and emotional distress. Specifically : Financial Impact : I have had to spend time and money monitoring my credit and safeguarding my identity, including purchasing credit monitoring services and identity theft insurance.

I experienced fraudulent activity on my accounts, which required me to close and reopen accounts, dispute unauthorized charges, and spend countless hours on the phone with financial institutions. 
My credit score was temporarily impacted due to fraudulent credit inquiries, affecting my ability to secure favorable terms on a loan.

Emotional Distress : The breach has caused ongoing anxiety and stress, knowing that my personal information is permanently compromised and could be misused at any time in the future.

I have lost trust in institutions that hold my data, leading to a feeling of vulnerability and helplessness.

Logistical Burden : I have spent numerous hours filing reports with credit bureaus, freezing and unfreezing my credit, and staying vigilant for signs of identity theft.

These efforts have disrupted my personal and professional life, consuming time that I could have spent with my family or on other priorities. 
XXXX 's failure to adequately protect my data has had long-lasting consequences, and the breach continues to affect me today. I urge the court and responsible parties to ensure that victims like me receive proper restitution and that corporations take greater responsibility for securing sensitive consumer data in the future. 

Thank you for considering my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The initial complaint that I submitted is attached and named XXXX XXXX XXXX Complaint Detail. ( XXXX XXXX is hereinafter referred to as XXXX. ) 2. In my XX/XX/2018 letter to XXXX, I requested validation of their claim that I owe {$520.00}. Specifically, I requested competent evidence bearing my signature, showing that I have ( or ever had ) some obligation to pay {$520.00}. 

3. As you can see in XXXX 's response to the complaint, it provided a copy of a bill ( attached ) as supposed validation. A copy of a bill does not constitute validation. 

4. As per the FTC Opinion Letter of XXXX XXXX XXXX, I am sure Experian, XXXX, and XXXX are aware that a printout of a bill does not constitute validation. Thus, well over 30 days have passed and XXXX has failed to provide a copy of any viable evidence bearing my signature. 

5. The reported {$520.00} item is inaccurate and incomplete and represents a very serious error in your reporting. The item should be permanently deleted. 

6. Additionally, as I am sure Experian and XXXX  are also aware, XXXX has a very unclean reputation when it comes to debt collecting. I have attached some excerpts from the Consumer Affairs website. As you can see, XXXX will stop at nothing short of lying, creating false accounts, threatening people, initiating annoying robocalls, and more. 

7. This CFPB complaint system is the perfect ally for those of us who are being treated unfairly by companies like XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed fraudulent accounts on my report in XXXX of 2022 and I disputed the accounts ( XXXX XXXX  amount of {$5400.00}, XXXX XXXX XXXX amount of {$6500.00}, XXXX XXXX XXXX of {$1700.00}, and XXXX XXXX XXXX of {$2500.00} ) with all 3 bureaus. XXXX, Equifax, and XXXX elected to leave the fraudulent, deceptive accounts on my credit report, and to make matters worse, Equifax later reported a late payment which caused my score to drop over XXXX pts. I did not give written consent or instructions for the identified transactions listed to be reported on my consumer report. Furthermore, the identified transactions are not information related to any transactions by me as the consumer. Please see the attachments!
Product: Debt collection

I receive a letter from Collection Agency Radius Global Solutuins LLC Rduiuse Solutions number XXXX This is NOT my Account with that email address.. I called customer service at ( XXXX ) XXXX I tried to remove or cancel they still want to collect XXXX dollars... 


Thank you! 

why I'm paying something is not my
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are in violation of 15 us. code 1681i. 

I am victim of identity theft and I have went through all the phases to report the fraud to credit, police, FTC, IRS and the credit bureaus. They did not show how they verified the fraud accounts and have yet to remove the accounts. XXXX Accounts with XXXX XXXX bank were open jointly and fraudulent one in the amount of XXXX dollars and the other in the amount of XXXX dollars. I want these accounts deleted and removed.