23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am frustrated to see the Credit Bureaus do nothing about my requests for the removal of the fraudulent items from my Credit File. I am submitting this complaint to do another request and have the items that resulted from the theft of my Identity be deleted from my Credit file. The Credit Bureaus are given ample amount of time, to conduct a proper verification and provide proof that the items are indeed mine, by the FCRA regulations and yet they have failed to comply with the Federal law. Let me remind the Credit Bureaus that they are required to comply with the FCRA section 605 and remove the following fraudulent items completely from my Credit File with or without proper investigation since the time allotted for them to investigate is already over. Pursuant of the FCRA regulations, I am urging the Credit Bureaus to delete the following items completely from my Credit report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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
Product: Student loan

Back in XXXX, before my payments were meant to start in XXXX, I filled out an application to have my payment amount lowered, since I can't afford it. The application was never processed, even after calling numerous times to check on the status. I was then put on forbearance from XX/XX/XXXX, until after XX/XX/XXXX, and they assured me it would be processed by then. I got an email on XX/XX/XXXX stating my repayment schedule was changed, and now on some pages of their website, it says my payment is due, while on others it says it's due XX/XX/XXXX. Which is it? And it still has not been lowered to the amount I applied for. This is getting ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile on XX/XX/XXXX, I identified a discrepancy with account listed under DEPT OF ED/XXXX  and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX, there have been no updates and account is still reflecting on the report. I do not belleve the account belongs to me nor do I belleve that the creditor has authorization to access the account nor authorization lo attempt to collect on the account and the account continues to negatively affect me please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct. 
I
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$4900.00} original Balance XXXXXXXX XXXX XXXX {$2200.00} original BalanceXXXX XXXX XXXX XXXX {$1100.00} original Balance- XXXX XXXX XXXX 
XXXX {$16000.00} original Balance- XXXX XXXX XXXX {$1200.00} original Balance- XXXX XXXX XXXX {$1600.00} original Balance- XXXX XXXX XXXX {$1000.00} original balance- XXXX XXXX XXXX {$650.00} original balance- XXXX XXXX  ( XXXX  ) Original debtor XXXX {$1400.00} original balance- XXXX XXXX {$610.00} original balance- XXXX XXXX XXXX ( XXXX XXXX XXXX I have contacted all of these company 's to recant my cosumer rights . They have failed to reflect them on my profile.I 've stated that my accounts should have been frozen. I have also stated that my reports are innaccurate. Their not reflecting true on my account. 


under the FCRA section 611 ( 5 ) ( A ) -you are required to promptly delete all information that is inaccurate, incomplete, or which can not be verified. 


FCRA 15 U.S.C 1681i, -Ever single one each any or all the unproven, none compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory, accounts must be promptly negated in its entirety or the alleged accounts are to be completed deleted. 


The following deterogatory accounts allegations are either untrue, unverfied, incorrect, incomplete, untimely, Not mine, NOT MY RESPONSIBILITY..
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you.

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.

YOUR COMPLAINT 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. 1. XXXX XXXX  Acct. # XXXX XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX XXXX  ACCT. # XXXX XXXX XXXX XXXX  ACCT # : XXXX XXXX XXXX XXXX XXXX ACCT. # : XXXX XXXX. XXXX / XXXX XXXX  ACCT. # : XXXX XXXX XXXX XXXX XXXX XXXX ACCT. # : XXXX XXXX. XXXX XXXX XXXX XXXX ACCT. # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # : XXXX XXXX : XXXX XXXX XXXX XXXX  ACCT. # : XXXX XXXX XXXX XXXX XXXX XXXX  ACCT. # : XXXX XXXX These accounts has violated my rights. 15 U.S.C 1681 SECTION 602 A. Clearly 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 ) ( X1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
Product: Debt collection

Since XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX has been both reporting and attempting to collect a debt for XXXX XXXX company. This is a debt that was NEVER owed. I spoke with XXXX and it was supposed to be resolved as of XX/XX/XXXX. I disputed with all 3 credit bureaus only to receive the response that meets the requirements of the fair credit reporting act. 
On XX/XX/XXXX I recieved notification that XXXX XXXX XXXX reported a update of delinqent account to my credit report. 
On XX/XX/XXXX I called both XXXX XXXX XXXX and XXXX. At this time I was told : ( a ) I owed no money to XXXX ( b ) XXXX did not sent my account to this collection company ( c ) The amount of {$180.00} was credited to my account to show I owed {$0.00} balance since XX/XX/XXXX. 

I have been denied an apartment application, credit cards and loans because of this falsified debt owed. I have also been paying higher insurance premiums based on my credit report that reflected a false deliquency. I would like to know how many others are being forced into paying debts they dont owe by this same company. I would also like to know how they had the authority to try to collect a debt that essurance denies was sent to their collection department.
Product: Checking or savings account

I'm a senior citizen on a fixed income and I was a victim of a " scam ''. It's disturbing that my bank of XXXX plus yrs did not support me at all. They allowed the scammers to take my money despite the fact that they're probably insured for fraudulent activity It happened XXXX months ago on XX/XX/year>. 
I was looking for a loan and these presented themselves as being from XXXX XXXX XXXX. In hindsight, I know they were imposters but I fell victim to their crimes. They sent an initial payment via XXXX for {$180.00} which I was to return as a show of good faith and to boost my credit score, making me eligible for the loan. I did and immediately they put a stop payment on the {$180.00} they initially sent. I'm ripped off! I've disputed this with my bank twice. They claim they saw no error in the transaction. I never said it was an error! I explained to them what happened and said it was a Scam!! I think since banks are insured that they should cover my loss. 
I filed a complaint with the XXXX but heard nothing. I also reported this fraud to XXXX. These are the alleged names and numbers of these scammers I was dealing with. XXXX XXXX XXXX ... XXXX XXXXXXXX $ XXXX phone XXXX XXXX XXXX XXXX phone XXXX XXXX XXXX Any assistance you can offer would be greatly appreciated. 
Thank you XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX SSN : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Experian XXXX Information Center Dear : Experian I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX. XXXX - Account # XXXX ********* - Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 

XXXX XXXX XXXX account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 


XXXX. XXXX XXXX - Account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Concerning Chase Bank and a fraud dispute with XXXX. On XX/XX/2021 I received an email from XXXX saying my order was on the way. I immediately contacted them via email as it was XXXX at night and told them I didn't order anything, it was fraud. See screen shot of email I sent and reply. The following morning I called both XXXX and Chase, cancelled my cc and received a new one in time, filed a fraud ticket. I was told by XXXX not to worry, if I did receive the items to keep or donate them as that was their policy. I donated them. The amount of XXXX was removed from my cc on XXXX and then put back on the same day. It is still on my bill. I received a letter from Chase saying they determined it a valid transaction. I have called both companies many times, XXXX claims that because of the banks determination they can not deposit it back into my account on their end even though they admit it was fraud. I have reopened fraud investigation with the bank 4 times now with the same result each time, a letter weeks later saying it's a valid transaction. On XX/XX/XXXX I called Chase, was transferred to 11 different departments including fraud twice, ended up at Recovery and was able to have a conference call with both Chase, XXXX, and myself. Once again XXXX said directly to the bank representative that this was fraud, but because the bank determined it to be a valid transaction they were unable to deposit the money back into my account as that was their policy. I was told they would send me a check in the amount of XXXX. The bank representative promised me that he would notify fraud, and I wouldn't be charged extra fees on the amount. I never received the check and called XXXX again only to be told that they could not send the check either due to the banks determination that this was a valid transaction. In the meantime I received another letter from Chase saying this was a valid transaction. I have been told by XXXX that I need to contact the bank, the problem is I've done this many times with the same result each time, despite the conference call which I'm sure is recorded. I need your help with this as each time I get a different person, different answer, and no results. I have filed with the XXXX  re XXXX and have included the email from XXXX re : the bank. I believe that Chase needs to reverse their decision that it was NOT a valid transaction especially as they have been told by XXXX that is was fraud. I have selected the most recent communication with Chase and XXXX, I have previously sent many screen shots to Chase 's fraud dept.
Product: Debt collection

Portfolio recovery 's alleged debt, was disputed under ID theft, in 2017, at all three bureaus : XXXX, XXXX, and XXXX XXXX. I wrote them a certified letter requesting the validation of the debt, in accordance with FDCPA guidelines. They did not respond but continued to report the debt. They sent me a letter threatening legal action, and asking me not to respond if the debt was not mine ; Portfolio did none of the remedies provided by law under ID theft. 
They placed my numbers in call scammer and dialers. They ran my credit 5 times in the last year, without a debt, but rather with an alleged debt XXXX XXXX XXXX.
Product: Debt collection

I moved out of XXXX six years ago ( XX/XX/XXXX ) and closed all utilities accounts upon moving. I have had no calls, emails, or communication of any kind from XXXX ( utilities service ) or any collector since ... I come to find that they have opened a collections account XX/XX/XXXX for XXXX with " Transworld Systems Inc, '' another company I have not heard at all from.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB, XXXX XXXX and Amazon are furnishing information that does not belong to me and the inaccurate or fraudulent information is being reported by XXXX, XXXX, and XXXX. I have sent letters of dispute, giving all of the companies a notice and asking that the information be deleted from the profile under my name.
Product: Debt collection

This debt collector called Warner Asset locations called my previous place of employment and got the number to my new place of employment. The lied/misrepresented themselves and said they were calling to verify employment then asked to speak to me. When i talked to them the lady called herself XXXX XXXX, did not identify herself or the company. She wanted to verify my address and wanted my debit card to make a payment on a payday loan. I said i will not do it at this time because i am at work. I also told her she can not call me at work. She said well you are not answering your other phone. She threatened to serve me papers at my place of employment. She gave me her number to call her back at XXXX to call her the next day. Once i left work i called her again to reiterate that i do not want her calling my work anymore and also i was never given the opportunity to dispute the debt and that In XXXX payday loans are illegal. She said i lived in XXXX at the time of the loan. I said that is false and that I lived in XXXX my whole life and i have never been to XXXX. The loan company made up false XXXX address. 
I was never given notice of the right to refuse. The also illegally obtained information about my new place of employment by lying to my previous place of employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To whom it may concern ; RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. There have been accounts and services established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I have been in contact with the credit furnishers listed and have proven that the accounts do not belong to me. They have since closed the accounts in their systems, however, the accounts still remain in your records as active and valid. Because of your mismanagement of account information and unprofessional data being furnished, this has continued to wreak havoc on my financial life and has presented numerous challenged for me and my family. I urge you to remove these invalid entries, at once without prejudice. 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXXXXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$2500.00} XXXX XXXX ACCT : XXXX XXXX : {$3500.00} XXXX XXXX ACCT : XXXX XXXX : {$7700.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$270.00} You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that they have never lived. The only address in XXXX that I have ever lived at is XXXX XXXX XXXX. 

The below addresses need to be removed from my reports immediately! 

XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuous and ongoing to no avail. 
This is again a demand to remove and block such information from the report in question. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2020 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a debt collection on my report from PROFESSIONAL DEBT MEDIAT. 
I have no knowledge of this debt collector. I have tried to report it to XXXX but nothing worked. I have never had any kind of contract or binding agreement with this company. I have no clue why they are saying I owe them any kind of money. This debt collector keeps reporting to my credit report and it is hurting my credit. I don't know if they have this in error but I have no knowledge of this company.
Product: Debt collection

Moved out of Ohio in 2015. We paid all our utilities before we moved. 4 years later I see a debt on my credit report for XXXX XXXX XXXX. I never received any Bill 's or notices in the last 4 years about this bill. We paid everything before we moved. 
I do not owe this debt, and have disputed it already. But they refuse to remove it.
Product: Checking or savings account

Chase Bank mailed me a check on XX/XX/XXXX, and I received it on XX/XX/XXXX. I went to Chase Bank to cash the check on XX/XX/XXXX, but the staff at the Chase branch told me that I had to wait until XX/XX/XXXX to cash it. I went to the Chase branch on the morning of XX/XX/XXXX to cash the check, and the staff told me that it was a check that could not be cashed. Chase mailed me a suspended check. If I took this check to another bank to deposit it, what would the consequences be? Would the other bank sue me for fraud for cashing a fake check? I don't understand why Chase Bank did this. I can't sleep every day because of this matter, and I'm waiting for a check that can't be cashed. 
XXXX is the number I originally used to file a complaint against Chase at XXXX CFPB, and XXXX is the case number that Chase gave me in response.
Product: Debt collection

I enrolled with Freedom Debt Relief in XXXX. That was the worst mistake ive ever made. Within months, my credit score dropped significantly. 
When i signed up, i was not made aware of how they really settle debt. 
They state they contact your creditors to negotiate your debt. They failed to do so with one of my creditors which resulted in me being sued by that creditor in XX/XX/XXXX. 
A full yr and a half of working with them & nothing was handed with that creditor. 
To quickly resolve the issue, i was pressured to double my payments so they could settle with that creditor. Then I realized all types of lawyer fees was taken out before paying this creditor. 
Now, im here living paycheck to paycheck because of their mistake & poor handling of my case. 
I feel deceived and taken advantage of.
Product: Credit reporting or other personal consumer reports

Submitted a complaint for a duplicate account that is reporting on my credit report. In addition to the account being a duplicate and a result of the Covid 19 disaster, company was unable to provide proof that they complied with 15 U.S. Code S 1666b - Timing of payment Creditor can not treat a payment account under and open end consumer credit plan as late for any reason unless creditor has adopted reasonable procedures to ensure that each periodic statement includes information required by section 1637 ( b ) of this title is mailed or delivered to the consumer no less than 21 days before the payment due date Creditor never sent the notice. 

This late payment should be removed from the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time dispute incorrect items in my credit report and they still have not got back to me all XXXX bureaus Ive also sent a demand to comply letter they are reporting inaccurate information which has caused me to not be able to get approved for a home loan a car loan and even business credit and business loans to further my business this is unacceptable and unlawful!!! I want these items removed now!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this complaint to inform you that I was a victim of Identity Theft. I have recently checked my credit report and I noticed some personal information that does not belong to me. I am in need of your help in getting rid of these items from reporting on my file. Per FCRA section 605b, the credit bureau deletes any ITEMS listed in an identity theft report. I have included some documents to help in the blocking of the fraudulent items that are found on my report. 
XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX  XXXX, OH ; XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/2022