23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX XXXX XXXX - {$170.00} Account was not verified as according to law, no documents were sent.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency have in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within XXXX days of XXXX/XXXX/2016 please remove accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I pulled my credit report after having identity theft I notice things on my report that I never applied or have any knowledge of or any open accounts. On XX/XX/2022 I sent out certified mail letters notifying the companys and reporting companies listed with the accounts below which they are in violation of the fair credit report act ( FCRA ) CODE : 15 U.S.C 1681. Without my authorization. I have not initiated any transactions with this company and I do not have an account nor have I benefited from this company as defined under code 15 U.S.C 1693a ( 2 ) Furthermore, under the FCRA Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years or both Code 15 U.S.C 1681n ( a ). I was willing to settle this matter without any admitted liability. But However, I have not received a written response or any response back from the following companies. I have not received any validation with my hand written signature on it, Im seeking the removal of this inquiry from my credit report due to fraudulent activity that has been took placed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My debit card was stolen XX/XX/2023. Card ending in XXXX. I discovered this around the XXXX when I got back into town from taking my daughter to XXXX for her XXXX birthday. I called Chase to report it stolen. There were many small charges made while I was out of the area. The representative went line by line. I did not dispute every single charge because some subscriptions I have are auto paid with that card and are legitimate charges. I was credited for the fraudulent charges. A couple weeks later, I was charged again and the claim denied. During the call, I was transferred to an account executive that explained the legitimate charges had caused a denial because they were incorrectly marked as card present. She corrected those and we were later denied again. I was told theres no other option to fight this and so I am asking a higher power to step in.
Product: Credit reporting or other personal consumer reports

Since 2019, I have been attempting to dispute the inaccurate reporting on my Navient account, which shows as 90 days past due in XX/XX/year>. This information is incorrect, as the account was supposed to be in deferred status during that time. 

I have sent multiple letters and filed disputes online to address this issue, but it remains unresolved. This inaccurate reporting has negatively impacted my credit and hindered my ability to obtain other opportunities. 

If you review the account history, you will see it marked as XXXX XXXX ( indicating deferred status ) prior to this, so it is unclear how it jumped from deferred to 90 days delinquent. 

I am requesting that this error be corrected and removed from my credit report immediately. I look forward to your prompt response and resolution of this matter. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

with this company. In additionally, I have sent in a copy of my police report to Equifax, XXXX, and XXXX. I have disputed these items with these companies over and over again. The fraudulent items are : XXXX XXXX : Reported Balance $ XXXX- Fraudulent item : XXXX XXXX : Reported Balance {$3.00}, XXXX Fraudulent item XXXX : Reported Balance {$410.00} Fraudulent item Never heard of this company and have disputed this item before and required proof of document with sign. 
XXXX XXXX ( CLOSED ) : Reported {$560.00} -Fraudulent item- Account has been proven fraud and removed according your company response to last complain # XXXX to Consumer finance.gov. Your response ( This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX ( CLOSED ) SAME ACCOUNT ABOUT WITH DIFFERENT REPORTING BALANCE : REPORTED BALANCE : {$920.00} ; FRAUDULENT ITEM. This account has been proven fraud by your company in before complaint ; however, it is listed on my credit report. Previous report number is : Your response : XXXX has been proven fraud by your company however, it is still listed on my credit report. Reporting Balance : {$7000.00} :, XXXX XXXX XXXX, XXXX, IN XXXX Phone : ( XXXX ) XXXX. ). The complaint report number ( # XXXX to Consumer finance.gov. Your response ( This item has been deleted from the credit file. If you have additional questions about this item please contact : ) XXXX have been deleted. 

XXXX : Reported Balance {$1100.00} Fraudulent item Never open this account. 

The collection account XXXX XXXX : Reporting Balance $ XXXX- This item doesnt belong to me. The original company reporting it is XXXX XXXX XXXX. I was never treated by this company. The person it belongs to had insurance and it was billed. 

Please do you due diligent and removed these fraudulent items from my credit report. This is causing harm to your future in purchasing and getting a career I desire. I have sent in a police report and you still have these items on my report. Also, you guys have items which have been proven fraud by Equifax, XXXX, and XXXX listed on my report. 
Please remove incorrect personal informant Equifax : Name : XXXX XXXX. My name is only XXXX XXXX. 
I ASKED BEFORE TO REMOVE FRAUDLUENT INQUIRY WHICH ARE INQUIRY I DONT HAVE AN ACCOUNT WITH. THANKS ALL COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance Owed : {$590.00} ; XXXX XXXX XXXX XXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; US DEPT ED XXXXBalance Owed : {$4000.00} ; US DEPT ED XXXX Balance Owed : {$3000.00} ; XXXX XXXXBalance Owed : {$6400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ; XXXX ) XXXX Balance Owed : {$2400.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, 15 U.S.C. 1681g ( a ) ( 1 ) ( A ), before any and all accounts you post you are required by federal law to verify all information in my file through physical verification. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see written confirmation of the consent by way of a contract with my wet-ink signature giving consent to the furnisher to communicate with a corporation outside of their corporate control. Under FCRA 15 U.S.C. 1681a ( o ) ( 5 ) ( A ) ( i ) ( iii ) I demand to see Verifiable Proof you have in my file of the accounts listed below. Your failure to positively verify these accounts will hurt my credibility and my ability to obtain credit. Under the FCRA, 15 U.S.C. 1681i ( 5 ) ( A ( i ) unverified accounts must be deleted 1 Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX # XXXX You have previously verified this account as accurate. However, the high balance amount is not reporting accurately and must be removed from my report. 
Please remove all non-account holding inquiries over 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with USAA SAVINGS BANK, XXXX, XXXX XXXX, MUNICIPLES EMPLOYEES C. I have always made my payments on time. As you can see, I have always had a stellar payment record with these companies. I tried contacting all 3 Bureaus and USAA SAVINGS BANK, XXXX XXXX XXXX XXXX, XXXX XXXX CARD SER, MUNICIPLES EMPLOYEES C with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had called equifax was on the phone for about 35 minutes going back in forth with the agent I had asked if they had any written concent from me the consumer to furnish all these accounts she checked my file then told me there was no such file. So I said why are these alleged obligations furnished on my consumer report with out my written concent? She said we got your information from creditors I said so your also sharing my information with out the consumers request and you furnished alleged obligations on my consumer report knowing they are alleged and not true. She then goes on to say its a data base and they just go on automatic. I said I'm demanding deletions of all these accounts as to 15 usc 1681 b ( 2 ) you guys never had my written instruction to furnish these on my report with out the concent of me the consumer. She said she can not delete them and I would have to talk with the creditor who gave my information to them before they can delete anything. Equifax is furnishing on my consumer report on alleged obligation to debts that are not mine. I then went on to say I do not own my social security number im just a iminister agent that card belongs to the social security administration i have to give it back at there request. I do not own it and I do not own any of these debts attached to it 15 usc 1602. Only me the consumer can validate any debt nobody but me and these are all alleged debts. Then went on to tell them yoy guys are civilly reliable according to 15 usc 1681 n and that reporting is voluntary and not mandatory. They pretty much said I have only the power to dispute such allegations and they are going against my consumer rights and they need to be held accountable I've been violated on these alleged aligations and demand deletions and remedy for my troubles as a consumer and original creditor. I have the recorded call
Product: Credit reporting, credit repair services, or other personal consumer reports

Every single credit bureau has listed incorrect or old outdated personal information in my file. 

The following is the only information that should be reported. 

1. NAME : XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX. Employer : XXXX All other names and sub-names should be deleted. 
All Old address that do not pertain to me as of right now should be deleted. 
All Old employers that do not pertain to me as of right now should be deleted. 

Failure to delete and correct the requested information will result in a legal notice from my attorney on this matter.
Product: Debt collection

This company is charging me a debt I do not owe. There are errors that are reflected on my credit report of debts that do not belong to me. I want this collection removed from my credit report immediately
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking, I'm filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Transunion credit reporting agency credit reporting agency , please block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of many unauthorized inquiries listed on my consumer report this request IS NOT MADE IN ERROR OF ANY KIND! PLEASE BLOCK AND DELETE THESE ACCOUNTS that will be listed in this complaint.
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 nights toprivacy 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 XXXXXXXX, 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 writteninstructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followingitems of information Any other adverse item of information, other than records of convictions of crimes which antedates the report bymore than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX : XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Name : XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX Collecons : XXXX XX/XX/2020 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, AZ XXXX Collecons : AD XXXX XXXX  XXXX XXXX
Product: Debt collection

They filed for Possession Only on XX/XX/XXXX amount : XXXX. Then filed Unlawful Detainer on XX/XX/XXXX. It was Dismissed on XX/XX/XXXX amount : XXXX. This Creditor/ collection was the Attorney that represented the Plaintiff in court. I sent a Debt Validation letter by Certified Mail by the United States Postal Service on XX/XX/XXXX and it was signed for on XX/XX/XXXX. No reply as of XX/XX/XXXX. I never received a bill asking for the amount of {$2500.00}. My mailing address and phone number is still the same as the court papers.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that i did not authorize. i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX ' XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These fraudulent accounts consists of a credit card account opened at XXXX  XXXX around XX/XX/XXXX, and other accounts opened at XXXX  XXXX  account number XXXX around XX/XX/XXXX and XXXX XXXX account number XXXX around XX/XX/XXXX. These accounts have resulted in a hard inquiry from XXXX XX/XX/XXXX and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

My interest rate on one of my loans is 10.75 %, I pay {$160.00} a month on this loan alone and not a dime of it goes toward my principle amount! I 've been paying over {$600.00} a month for years just on my private loans, and at one point I was paying {$970.00} a month. I did not get help from any adult family members to go to college. I had to pay for it myself, I knew nothing about loans and interest rates. My student financial adviser filled most forms out for me. I trusted my college which was a huge mistake, they were private and for profit only. I am now an adult an feel completely taken advantage of. I am almost XXXX and ca n't even start a savings account. A full paycheck is taken monthly by Navient, which was XXXX XXXX and changed without my knowledge until I was some how delinquent and owed a company I had never heard of money. I can not create a life worth living with this unreasonable debt. I make under XXXX a year, I have bills. I ca n't even afford a car because of my student loan debt. Please someone help me!!!
Product: Credit card or prepaid card

Discover Card decided to close my account on XX/XX/2020 without giving me notice or a reason other than inactivity on the card for one year. I use the card for emergency purchases and fortunately, haven't had to use it this year. Now I have one - XX/XX/2020 - and was surprised to discover my card was declined. Looking into it, Discover Card had decided to close my account - without notice or my consent. 

Lenders and credit scoring do not like to see short-term lines of credit. This will impact me negatively credit-wise and that I do not have emergency funds right now when I need them. I'm a good, conservative consumer and now I am being penalized by this company for it. 

They also said to reopen I would need to reapply. Another ding on my credit for a credit inquiry and questions from creditors why? I'm not going to do that.