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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$310.00} ; XXXX. XXXX XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$380.00} ; XXXX XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXXXX/XX/2021.
Product: Credit reporting or other personal consumer reports

Please see supporting documentation pertaining to XXXX XXXX breach and supporting documentation including Identification, Police report from XXXX Police Department XXXX XXXX XXXX. 

Previously sent to Experian refused to block the identity theft accounts cause they claimed they havent received ID or its unreadable I have attached it to the complaint, they also claimed must have a police report with law enforcement which was also supported. This shows Experian is not really taking this theft seriously and it is harming me. I disputed and informed them this was XXXX and inaccurate accounts on my Consumer Credit report. Everything they claimed they did not received is attached please see supporting documents.
Product: Credit card or prepaid card

My credit card account with a balance {$8800.00} of with TD bank was charged off in XX/XX/XXXX and was purchased by XXXX XXXX. On XX/XX/XXXX, I reached an agreement with XXXX XXXX to settle this account in full for {$3000.00} ... {$2000.00} initially and then XXXX payments of {$90.00} until satisfied. I made the final payment in XXXX of XXXX. On XX/XX/XXXX, I received a letter from XXXX XXXX confirming stating that " your account has been settled and your debt is now satisfied. '' XXXX  did their part by removing the collections entry from my credit report. TD Bank, however, continues to report this account with a past due balance of {$8800.00}. I have disputed this multiple times with XXXX  and TD Bank has always updated it with the correct info ... only to report it incorrectly again and again. This past month, I disputed it and they refuse to update it with the correct amount of XXXX. I have attempted to call them and they will not do anything other than forward my calls to XXXX XXXX, who while sympathetic, can't help me make TD stop fraudulently reporting my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a dispute to XXXX, XXXX, and Transunion. These credit bureaus, are reporting incorrect information on my credit report. I have no late payments ; Its been well over 40 days and I have not received a resolution to the described.
Product: Checking or savings account

I had {$180.00} in my account on XX/XX/XXXX. My XXXX XXXX double charged me so the 2and charge brought my acct to {$33.00}. I had used my atm card for gas for {$15.00} on XX/XX/XXXX. I also had to use my atm card twice at an atm on XX/XX/XXXX, once for {$120.00} and the other for {$80.00}. On XX/XX/XXXX my account showed {$110.00} in overdraft fees. I called to see why I was charged 3 overdraft fees. It was explained that when my balance was {$180.00} and i took the {$120.00} out, that processed first so my balance was {$62.00}. Then the {$80.00}, the {$140.00} XXXX  pmt, and the {$15.00} gas charge came out which caused the 3 overdraft fees @ {$37.00} each totalling {$110.00} in fees. This morning I logged onto my account and I am being charged ANOTHER {$37.00} fee. When I called to dispute this, I was told that it was for the {$120.00}. So they are saying that the {$120.00} was only deducted from my available balance but not paid so when they " paid '' it " today '' it caused another fee. But if it had already been deducted causing the other 3 overdraft fee 's then it I shouldnt be charged a fee for it. Basically I had 4 transactions with a balance of {$180.00} tet I'm getting charged an overdraft fee for all 4 transactions!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries on my credit report that I reported to the lenders, but they are not removing the inquiries. They have has no right to refuse to remove this fraudulent account because I am a victim of identity theft. The inquiries are from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Chase bank closed my checking account in XX/XX/year> and still have not released my funds after 4 years. I still have over $ XXXX due, why is chase stealing money from people?
Product: Vehicle loan or lease

DT Credit You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!
Product: Debt collection

I have been battling ID Theft for over 5 years now. The only part that will not resolve are federal student loans that ECMC has been garnishing my wages ( at XXXX point it was 25 % weekly pay ) and seizure of my tax refund. They have not responded to either of the XXXX lawyers that I hired or any other attempts that I have made on my own. I have proof with a police report AND that the loans were signed electronically without my authorization ( also includes a false address on the signature page ) but ECMC will not review anything to do with my case since it is easier to take the money from me. I am a single parent and the only financial support for myself and my child and as a result of ECMC refusing to cooperate, I am in extreme financial hardship. I want this ID Theft with the student loans to go away and all of the money that ECMC has garnished over the past 5 years to be returned to me.
Product: Credit reporting or other personal consumer reports

I am experiencing ongoing non-compliance by Equifax in correcting significant inaccuracies on my credit report, despite repeated formal requests. These errors are adversely affecting my financial standing and violate the Fair Credit Reporting Act ( FCRA ). 

Equifax has inaccurately reported my personal and financial information : Incorrect Employment Information : Listed as XXXX XXXX needs confirmation. 

Incorrect Address and Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and ( XXXX ) XXXX need to be updated. 

Misreported Accounts : Accounts such as XXXX XXXX XXXX and XXXX XXXX XXXX  are erroneously reported. XXXX XXXX is incorrectly marked as charged off, while XXXXXXXX XXXX XXXX  XXXX XXXX and XXXX XXXX  XXXX are active but reported as closed or late. 

Unauthorized Inquiries : Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX were not authorized by me.
Product: Consumer Loan

All my payments to Wells Fargo Have been on time and they marked my account 30-59 days late destroying my credit by XXXX points I called them and they stated they could do nothing so I am doing this..
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every statement date and balance whether reported or not. I have sent letters every month From XX/XX/XXXX to XX/XX/XXXX trying to get this account corrected. 

XXXX XXXXXXXX XXXX Account XXXX : XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to XXXX status ( Paid as Agreed, Never Late ) and supply a corrected credit report to my creditors who have requested a copy of my credit report in the last XXXX months. Im also requesting the description of the procedure used to determine the accuracy and incompleteness of the information, I have read that this must be provided within XXXX days of the completion of your reinvestigation. I also read that under federal law, you have XXXX days to complete your investigation. It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this reject the complete within XXXX days of receipt of this letter, or you must remove the incorrect information please send an updated copy of my credit report to the above address. Thank you for your prompt attention, time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime in XX/XX/XXXX I spoke with XXXX ( Agent number XXXX ) over the phone with XXXX  XXXX in regards to account number XXXX and requested that the late payment remarks dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX made to my consumer report be removed due to it being non-public private, personal information, violating my rights under 15 USC 6803 A 1 Disclosure of institution privacy policy. Justin denied me the right to control what is allowed to stay or be published to my consumer report also violating 15 USC 6802 - Obligations with respect to disclosures of personal information. I did not give XXXX XXXX any permission to publish such defamatory information. These actions have caused me great emotional harm and serve XXXX as I am unable to utilize my consumer credit appropriately do to the on going abuse XXXX XXXX has created. I am extremely disappointed in XXXX XXXX for doing this to a customer of 7 years who has shown nothing but loyalty to your organization.
Product: Credit reporting or other personal consumer reports

This complaint is in regards to XXXX XXXX account # XXXX open XX/XX/2023 according to the fair credit reporting act sec 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through verification of the original signed consumer contract, My rights are in violation since this item is being negativity reported
Product: Checking or savings account

I am no longer interested in you tube and I am trying to get XXXX to release my card information but they won't as of XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, through their negligence, compromised the personal data for me and 150,000,000 fellow citizens. This is unconscionable and needs to be addressed. I do not want a {$2.00} class action settlement or some token gesture of a " free '' year of monitoring ( after which I would need to pay them. ) I want and expect them to take ownership of their negligence and provide, in perpetuity, a credit freeze and/or fraud alert on all of the credit bureaus for all of my personal data. 

To expect me to pay *them* {$10.00} to freeze, and again to unfreeze, my credit data for both me and my wife due to *their* negligence is outright criminal and needs to be addressed as soon as possible.
Product: Credit reporting or other personal consumer reports

I am urgently notifying you that I have been a victim of XXXX XXXX, which has resulted in numerous fraudulent accounts and inquiries appearing on my credit report. These accounts and inquiries were made without my knowledge or consent, and I am demanding immediate action to address and remove them. 

INQUIRIES - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNTS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have filed an XXXX XXXX  report with the Federal Trade Commission ( FTC ) and insist on the prompt removal of these fraudulent accounts and inquiries to restore the accuracy of my credit report.
Product: Credit card or prepaid card

I applied for a chase sapphire credit card. I submitted my application and got a notice that they needed to do additional review. I 've never gotten anything like that before, so I called chase to ask what was going on.   After wading through a horrible automated phone system, I finally got to a representative who told me that they were denying my application. I asked why, and she said I had too many credit cards already. I do n't understand why that matters. I 've never been late with a credit card payment, I 've never missed a payment. I believe chase is discriminating against me because I 've reached out to the CFPB in the past regarding their terrible customer service and sending my cards to the wrong address.
Product: Debt collection

Enclosed is a copy of my messages with my credit union : XXXX XXXX XXXX XXXX XXXX XXXX regarding XXXX, TRS Recovery Services, and Telecheck Services ( all XXXX affiliates ) : RE : RE : Charge Dispute for XXXX.XXXX/TRS Services Address XXXX XXXX XXXX XXXX   Date XX/XX/2019 XXXX PDT Subject RE : RE : Charge Dispute for XXXX You can process a Revocation of Authorization. With the revocation of authorization you are making a legal statement saying you did not authorize the charge, date or amount. Processing the form will request your funds from Friday back. It will also prevent charges from XXXX coming through in the future. It needs to be in place 72 hours prior to the next charge for it to prevent future charges. The merchant does have six months to dispute the revocation. Provisional credit is usually given through this period. Please let me know if you would like for me to proceed. I will be out of the office Wednesday through Friday. 

Thank you, Member Service XXXX -- -- - [ From : XXXX, XXXX ( XXXX ) ; XX/XX/2019 XXXX ] -- -- - Yes I did but they outsource to a company that is called Telecheck and XXXX Services who is doing the random charging. They said to submit a claim but is it possible to decline the payment they took on Friday? I did not authorize them to keep charging my account. They said it could take up to 30 days if they even give it back. I think this is fraudulent activity especially since they have overcharged me by about XXXX dollars. 

-- -- [ From : XXXX XXXX XXXX XXXX  ; ] -- -- - Good morning XXXX. Have you contacted XXXX regarding the purchase price issue? That would be your first course of action. XXXX dispute phone number is XXXX. They will work with customers regarding charges or service. They should be able to help provide a credit to your account. It looks like you have provided your account number and the charges are being processed as an ACH debit, with your account number, to your account and not with your debit card. Please let me know if you have further questions. 

Member Service, XXXX -- -- - [ From : XXXX, XXXX ( XXXX ) ; XX/XX/2019 XXXX ] -- -- - I was recently charged by XXXX Services today for a dispute that was resolved and I am wondering if you may please reverse or deny a pending charge that was charged today ( XXXX ) in the amount of $ XXXX $ XXXX {$65.00}. In total, they have charged me {$200.00} for an order that should have only been {$60.00} ( with 2 return check fees of {$25.00} ). I have also been in contact with the agency. I don't think they should be able to continually charge my debit card whenever they want. 

Thank you for your help. 

XXXX XXXX
Product: Credit card or prepaid card

My card was comprised in XX/XX/2019. I called the credit card company and they would never cancel the card. I kept getting late fees and continued to get charges. I paid all the late fees and charges because it was negatively affecting my credit. I had the old card closed and a new one was to be reissued. I have not gotten the new card because I told them I dont want it. Even though, they issued a new number, and now the same thing has happened again. The new card is now comprised. The credit card company hangs up on me when I call about the pending transactions, and the only suggestion they have is to reissue a new card. 
Representative act like they cant hear you and hang up. 
This is a Continent Finance Card, and their customer service is not helpful at all. One representative said the transaction was on the old card and another said it was in the new card that hasnt been issued.
Product: Checking or savings account

I alwlays have problems with my online banking and deposit money in my account and the customer service on the phone
Product: Credit reporting or other personal consumer reports

My student loans were forgiven under the XXXX plans on XX/XX/XXXX. The balance was reduced to zero and status was paid in full. This showed on their website and on a Mortgage Verification letter. I waited the normal cadence for XXXX, which according to the historical reporting was the final day of the month. No updates were made. I disputed with all 3 major bureaus and even after an investigation by XXXX, they still claim my balance is over $ XXXX and not closed as paid in full, in spite of I formation o t heir website and on the mortgage verification letter for potential lenders.
Product: Credit reporting or other personal consumer reports

I been Victim Of Identity Theft, Those Account Aren't Belong to me. 
Credit Card Opened by the XXXX Company or Organization XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2100.00} Credit Card Opened by the XXXX Company or Organization : XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$240.00}
Product: Debt collection

we rent an apartment in Virginia. I paid on time as agree. before we left, the manager came and did the inspections and said everything was fine and we signed the papers and move out. the company gave back my deposit to me. a month later i received a bill of almost XXXX said that the had to remove the carpet. the receipts was dated a year before i moved to the apartment. i contacted the company and told them that that receipts did not belong to us and was dated a year before we move in. we sent all the proves to the companies. the company said they did not care. I'm an XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I sent all the evidences to XXXX that the information was not collect on my credit report and should me remove. XXXX remove my wife one, but refused to remove my. XXXX told me that it was the company 's responsibilities to remove inaccurate information and not XXXX. The collection out refused to remove the information also even after receiving all the evidence that the account was inaccurate. I signed the contract with my wife. it was reported that the account was individual. they used my signature and said that i signed that i owed money. i never signed nothing and i did not owed anything when i left.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of an eviction on my credit file, as reported by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c2, a consumer reporting agency is obligated to block the reporting of any information resulting from alleged identity theft upon the consumer 's identification of such information. On XX/XX/2023, I identified the eviction account listed on my credit file as a result of identity theft. Despite my identification of this account and the legal requirement outlined in the FCRA, the eviction remains on my credit file. As per the aforementioned statute, consumer reporting agencies are mandated to block such information not later than four business days after receipt of the consumer 's identification of identity theft-related information. By failing to comply with the FCRA and blocking the reporting of the eviction resulting from identity theft, your agency is in direct violation of federal law. I hereby request that you promptly investigate this matter and take the necessary steps to rectify the situation by removing the eviction from my credit file. Additionally, please provide written confirmation of the actions taken to resolve this dispute, as well as any documentation supporting the removal of the eviction from my credit file. Thank you for your attention to this matter. I expect a timely response in accordance with the provisions of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. I look forward to hearing from you soon. Recently I did an investigation on my credit report due to starting the process of purchasing a home. Unfortunately after this evaluation I found inaccurate addresses. According to 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 maximum possible accuracy of the information concerning the individual about whom the report relates. With that being said, we can see under 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. On EQUIFAX, they are reporting an incorrect address below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX