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

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ). Complaint Contents : This CFPB complaint has been submitted to request that Equifax, the credit reporting agency, block information on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). The following information is deceptive, inaccurate, and false : FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX {$520.00} XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX  {$380.00}. XXXX. XX/XX/XXXX XXXX XXXX. {$4300.00}. XXXX. XX/XX/XXXX XXXX  XXXX XXXX XXXX {$7300.00}. Opened XXXX XXXX, XXXX Numerous fraudulent collections have been recorded on my consumer FICO credit report as a consequence of these accounts. I have included a list of the ACCOUNTS/ADDRESSES in question, as well as a copy of the consumer FICO credit report that you maintain, which displays the aforementioned fraudulent items. I am unable to identify the aforementioned accounts and collections as they were reported. I did not open, create, or initiate the aforementioned accounts or collections that are listed on my consumer credit report, which is maintained by you. Identity theft and fraud are the causes of all of the aforementioned accounts and collections. I have included a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as evidence from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, The List of Accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. TD BANK/Target, has violated my rights 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. These accounts have been paid, they are affecting my credit and should be removed.
Product: Prepaid card

Friday XX/XX/XXXX My sons XXXX benefits were deposited totaling XXXX and he made a few purchases online then direct Express locked his card and I can not get ahold of the company
Product: Credit card or prepaid card

I am writing in for assistance concerning credit card issues. During covid I have fallen delinquent on my American express credit card but was able to pay off my balance in full. I requested that american express reinstate my account. I spoke to 3 different departments over a dozen phone calls today and wrote in to their online chat support another dozen times today. I thought there would be some leniency due to covid and that they would assist me in account reinstatement but they have not as of yet been willing or able to assist me. I need help reinstating my american express account. What can be done? 

Thank you for any assistance you can provide. 

XXXX I have been in contact with American express for the entire day today in my effort to resolve my issues and reinstate my card. As I understand it, american express policy is to not ever reinstate a card if it is past 120 days, but i am asking for leniency due to the monumental health pandemic known as covid. I am simply trying to restore my card. No agents or support representatives have been willing and able to assist me.
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 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 the records of convictions of crimes crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please remove all of the items from my credit report immediately.
Product: Credit card or prepaid card

Since XXXX of XXXX I have made numerous attempts to work out a resolution with Citibank. I even had an attorney assist me. Citibank refused to answer phone calls, return messages, respond to emails or mail correspondence. As a result I have a negative debt on my credit rating and had to pay an additional {$600.00} damage deposit to get into a new apartment. I fully intend to resolve this debt, but can not get Citibank to work with me. Now, in spite of a XXXX credit score I am being denied access to housing without having to pay an additional damage deposit. If Citibank had worked with me in XXXX, XXXX, this would not be the case. Our last attempt to reach out to them was in XXXX, XXXX. Thank you for your time.
Product: Consumer Loan

To whom it may concern ; Concerning the subject in the reference line, please allow me to detail the facts of which I believe that I have been a victim of trickery in the leasing of my vehicle. 

On XX/XX/XXXX I signed a leasing agreement with the XXXX Company where I purchased a vehicle with ID XXXX, model XXXX, for {$15000.00} with monthly payments of XXXX for 36 months, as stated in contract No. XXXX. 

I have received several calls from this same concessionaire and contacted by an employee of this company named XXXX, who stated I qualified to renew my lease and with this news I was motivated to renew it again. I then went to XXXX to learn more about the terms and conditions of the renewal and agreed to do so. I was told the remaining payments of the previous lease would be assumed by them. Hence I leased a new vehicle, according to contract XXXX dated XX/XX/XXXX. 

However, believing that the previous payments were made by the concessionaire in a timely manner in accordance with the express commitment made by them, with great surprise and disappointment, I answered a call from XXXX., On XX/XX/XXXX, where I am told about the delay in payments on my account and that this would affect my credit since one of the payments of the contract of Initial leasing purchased with XXXX under contract XXXX had not been made. Desperate in the face of this situation, I tried to explain to them of what was agreed with the concessionaire and that I was not responsible for such payment, since I had renewed the lease with that same concessionaire and that the debt of the previous lease would be paid by them. To that the collection agency responded that they were not aware of this, but that apparently this practice was common with this concessionaire because they already had reports of other cases similar to mine and despite the circumstances and knowledge about this dealer, they could not do anything about it, and that the only option I had was to make an immediate payment of the outstanding fee and not reported and that with the register 's receipt of cash that they gave me claim it directly from the concessionaire. 

They offered to close my case in full if I immediately paid the sum of {$300.00} instead of XXXX which was the total due on my account. They also pointed out that they were not the ones in charge of reporting to the credit bureau and that the only ones who could do so was HYUNDAI MOTOR FINACING, and that their work was only collections. 

When I realized the seriousness of the matter, the first thing I did was to make a payment in the amount that the agency told me to pay immediately so that my credit record would not be smeared and my financial rating would not lower my credit score. However, the consequences of being late in payments and not being notified on time about this situation had already been created.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account on all three credit reports that XXXX XXXX XXXX used my information to open or someone open an account with XXXX XXXX XXXX, this account was already taking off of all three bureaus and now its on my credit report this account was open in my name and its fraud, please removed this account, the amount is XXXX dollars the name of the collection agency is XXXX XXXX XXXX XXXX has done this many of times if another account is open in my name I will seek legal action and sue XXXX XXXX XXXX for damages, I am attaching a FTC identity theft report to this complaint to have this removed
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3000.00} Status Account charged off. {$3000.00} written off. {$3000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2600.00} Status Account charged off. {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$810.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Account charged off. {$1700.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$440.00} Status Account charged off. {$440.00} written off. {$75.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$390.00} Status Account charged off. {$390.00} written off. {$150.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$1900.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Collection account. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$13000.00} Status Collection account. {$13000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$870.00} Status Collection account. {$870.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$730.00} Status Collection account. {$730.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Collection account. {$1900.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3000.00} Status Collection account. {$3000.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX XXXX Potentially negative
Product: Credit reporting, credit repair services, or other personal consumer reports

this is in reference to previous complaint # XXXX. 

Sage stream continues to violate FCRA by continuing not to honor my mailed in request with documents proving my identity. This has been going on for 6 months. I submitted the documents that suitable to verify my identity, by certified mail on 2 separate occasions. 

certified mail # XXXX delivered and signed for on XX/XX/2020 certified mail # XXXX delivered and signed for on XX/XX/2020 SAGE STREAM 's failure and continuance to deny my request for security freeze and copy of consumer report, will lend to a filing of suit at a legal venue near me. This will be my last request for them to honor my documentation or I can see them in court and a let a Judge decide on who was correct on suitability of documents. Northing in the FCRA says I must submit online and I will not be using online means to facilitate my

two requests. I've submitted my two request via certified mail on 2 separate occasions the next certified mailing will be for legal remedy this is my 4th and final reques
t.
Product: Debt collection

The XXXX data breach occurred between XXXX and XX/XX/XXXX at the American credit bureau XXXX. Private records of XXXX XXXX Americans along with XXXX XXXX XXXX  citizens and about XXXX XXXX citizens were compromised in the breach, making it one of the largest cybercrimes related to identity theft. 

My information was part of the breach. In XXXX I was getting alerts my email was found on the Dark Web. 

In XXXX the Bankers healthcare group located in XXXX XXXX  has filed and obtained a judgment against me and states I waived all my legal rights. This debt doesn't show on my personal credit report since I have frozen all 3 to thwart any attempts of being a victim of identity theft. After speaking with a lawyer, this appears to be a fake judgement, filed in XXXX  even though my old address is still XXXX  - using paperwork I never signed.
Product: Credit reporting or other personal consumer reports

THERE ARE STILL UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT! I don't know why but please check the documents I've included in this.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax
Product: Debt collection

FAIR COLLECTIONS & OUTSOURCING Date opened XX/XX/2022 Balance {$10000.00} I sent Fair Collections & Outsourcing a certified letter requesting they validate the debt they placed me in collections for. They've acknowledged reciept and have not provided me debt validation. 

When i call, I am placed on hold until the call is eventually ended on their side. I am given email address to request information from that do not exist. 

I was given the following emails over multiple calls and none of them work or exist. It has been 4 months since first being advised and they have done nothing to try and clear or provide information regarding this debt. 

Emails I was given for my account manager are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 accounts 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 accounts 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 is the list of accounts/items which do not belong to me or were opened without my permission : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$72.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$94.00} XXXX XXXX : {$7500.00} XXXX XXXX Date of inquiry : XX/XX/2021 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: Credit reporting or other personal consumer reports

Negligence on TransUnion behalf to block and delete fraudulent accounts from XXXX XXXX XXXX, XXXX and XXXX XXXX  XXXX Federal Trade Commission Identity Theft Report was provided and other legal documents were provided to clear the fraudulent accounts but TransUnion failure to adhere to the lawful orders. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Carrington mortgage The report is saying we were 30 days late for several monhs Our payments were always made on time.
Product: Credit card

This is a follow-up to Case XXXX. Chase Bank cancelled the account at issue there and issued us new cards with a new number. However they are now interrogating merchants who received payment before the old card was cancelled.I have received calls from my dentist, pottery studio, exercise studio, and beauty salon all informing me that Visa has asked them for numerous documents and charge slips from payments which I made. The beauty salon said Visa told them that I had challenged a charge. That is not true. At no time were we ( my husband and me ) contacted about any of this. When I called Visa they said the cancelled card was being investigated for fraud and someone would call me back within 48 hours. I received no call. The person who we previously spoke to at Chase assured us that this was their mistake, could offer no explanation as to why the merchants I deal with are being harassed, and said there was nothing he could do about the situation.I am quite upset that people I do business with are being harassed over my account, particularly because there is no fraud involved here, rather, as explained in the previous complaint, the cancellation was due to Chase mistakenly cancelling our card allegedly because someone with the same name as my husband asked that it be cancelled - anexplanation which we find dubious.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently applying for a mortgage to purchase my first home, I discovered some unauthorized inquiries made by CBNA on XX/XX/22 & XX/XX/22. Prior to disputing the inquiries I performed my own due diligence on the accounts. I do have an open account with this particular creditor, through a co-branded card with Best Buy. I have verified that these erroneous inquiries are not associated with my account.
Product: Debt or credit management

Hello, ive been trying to figure out what to do after this situation has happened to me. I was with this law firm for two years and they only paid off one debt. Turns put i was giving them {$470.00} a month but they took {$400.00} out in fees everytime. So they took advantage of me and made my credit worse. They dropped me as a client with no notice. I received a letter in the mail that i can provide stating. On XX/XX/XXXX, our law firm was sued by the goverment and can no longer represent you. When i called them they said i had verbally cancel my account or i would still be charged or wait for them to get around to cancel my account on their own time but i would still be charged until that time. In their contract it says nothing about this being a good cause for a drop. The reason they state is because of the lawsuit but also that they can no longer represent because they can not take fees out of my payments. I did not know i was getting {$400.00} taken out on fees. I was promised help but clearly did not get any. This is the lawfirm the law firm of derek williams, llc XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, ar XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax leaked my sensitive personal information to hackers by utilizing subpar security.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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 furish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company or Organization : XXXX XXXX XXXX Account NumberXXXXXXXX Total fraudulent amount : {$640.00} Credit Card Opened by the Thief Company or Organization : XXXX   Account Number:XXXXXXXX Credit Card Opened by the Thief Company or Organization : XXXX XXXX, XXXX  Account Number:XXXXXXXX Total fraudulent amount : {$1500.00} ftc
Product: Credit reporting, credit repair services, or other personal consumer reports

Information was removed from XXXX and XXXX but still remain on Transunion. 
XXXX - the information is incorrect and inaccurate. 

XXXX was removed from Transunion and XXXX but still remain on XXXX 
XXXX  XXXX - the information is incorrect and inaccurate. 
XXXX - have not done business with this company.
Product: Debt collection

I am dealing with an identity theft case involving Wells Fargo Card Services, where they claim to have identified my signature on a loan from a company called XXXX from XXXX, TN. However, I never signed any such loan. I have clear evidence showing that I wasnt even in Tennessee as shown on my banking activities at the time, but they havent asked for this evidence yet. Instead, they continue to insist that the signature is mine. Ive disputed this multiple times, stating that I can prove the loan was fraudulent. I have no history of fraud, either before or after this loan, and I pointed out that XXXX  didnt request ID verification, as I wasnt there to sign for it. As I suspected, this was a case of identity theft, as I was driving through Tennessee a few days earlier, and the loan was signed without me presenting on XX/XX/year>, when I was actually in XXXX  XXXX DC. I have also stated that I dont own or rent any property in Tennessee XXXX and this loan was supposedly for home renovations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Executive office has worked on a current dispute for over 3 -4 months, during this time Wells Fargo charged me interest and applied a 30-60 days late on all credit beaures this merchant was paid on time, and I was never delinquent or defaulted on this loan. The creditor has ignored requests to remove this and todate the creditor have not provided a closure letter regarding this dispute. The creditor failed to remove {$870.00} from my account.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I have sent XXXX  XXXX  asking Experian to remove the XXXX  name from XXXX XXXX report, the other XXXX agencies ( XXXX and XXXX ) have removed the name. 

Also to remove the previous address which is incorrect. On XX/XX/XXXX I was not living at the XXXX  address, Experian and XXXX have this information incorrect. 

XXXX XXXX  asking Experian and XXXX to correct XXXX XXXX information to reflect what XXXX is reporting, which is correct.