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

I appreciate the removal of some negative items from my credit report. However, several items still need to be addressed and removed. I have found that these items were opened without my permission. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), you are legally required to remove items resulting from incorrect credit reporting. I am disputing the following items, which are unfamiliar to me. I am attaching the necessary FTC Report, as required. Please remove these negative items. If you believe these items belong to me, I request all documentation that bears my signature to verify their accuracy. If you can not provide such records and claim the items are verified, I will take legal action. Please comply with the law so this matter can be resolved quickly : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXX XXXX Balance XXXX : {$140.00} XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$0.00}. Please remove these disputed items as they were opened without my consent or knowledge, in accordance with Section 605B of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a debt from a company XXXX XXXX XXXX and that debt has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, XXXX XXXX****, XXXX XXXX XXXX XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX XXXX XXXX****, XXXX XXXX XXXX XXXX****, XXXX XXXX XXXX XXXX** , XXXX XXXX****, XXXX XXXX****, XXXX XXXX**** and XXXX XXXX****
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX XXXX Account Number : XXXX It's showing that I've had XXXX late payments. But here 's the thing, I've never been late on my payments for this account. 

One thing I noticed is that the account numbers are different for this same account across the 3 credit bureaus. That's inaccurate information, isn't it?

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft my information was exposed in a data breach I have been actively monitoring my report .I did not authorize the following companies to run my credit XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX I have attached my FTC REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

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

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. I have attached my FTC report and my Police report that I have filed on mylocal police department that would testify that I am a victim of Identity Theft. 

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

XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX  XXXX, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$64000.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$20000.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$130000.00}. 

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, credit repair services, or other personal consumer reports

1.TrustedID with Equifax send alerts and you can not get any information from them and have to call the regular number. For the third time after being on hold over 25 minutes someone answered and before I could say three words hung up. I do not have unlimited time to continue to be on hold forever and never get the situation resolved. 
2. The TrustedID person gave me a phone number to make sure my report was frozen and I called it only to find it is a non-working number. 
3. PLEASE do not let them send a pat response like that have previously with out even looking into the problem. I WANT A RETURN PHONE CALL FROM A RESPONSIBLE PERSON AT EQUIFAX!!! It is the very least they can do at this point.
Product: Debt collection

this company Americollet is in violation of my hipaa Rights and all of these accounts held in data needs to be deleted immediately or else law suit will be processed. Unauthorized accessing of PHI is illegal an should be punished to the highest extent.
Product: Money transfers

I sent USD {$11000.00} to someone in XXXX on XXXX XXXX. It is now XXXX XXXX and it still has not been received. The company keeps coming up with new excuses.
Product: Debt collection

This collection agency never contacted me by mail, nor phone to give me the required 30 days to dispute the debt. They contacted me 2 years after they claimed they received the debt and demanded payment. They would not give me an option to dispute the debt. A representative named XXXX XXXX Contacted me and demanded payment. When I asked about what the debt was, she went on to tell me they called me 18 times and this was the first time they have ever spoken with me. I made her aware that this was the first time I have received a phone call. She again went forth with demanding the payment, I told her I needed to know what the debt was and wanted to dispute it. She said she was going to go ahead and sue me for the debt and hung up. I called back asking to speak with a manager. I was put on hold and told the manager would have to call me back. I told them they needed to pull the recordings from my conversation with XXXX XXXX at XXXX. They gave me a ref # XXXX. The manager did call me back later that day, and soft spoke to me to calm me down from the past conversation with XXXX XXXX. He didn't offer again a chance for me to dispute the debt, and told me XXXX was just doing her job. I told him I was a bill collector for 3 years and I knew the laws of the FPCPA and my rights under the fair debt protection act that I could dispute the debt before any collection process was done, which included putting the debt onto my credit report. XXXX just walked to smooth things over and said that he would not have XXXX call me back for a while. I have still not received anything in writing about this debt. This debt is now appearing on my XXXX and XXXX credit report without my right to first dispute the debt.
Product: Credit card

I received a call from CHASE XXXX ; Person asked if I had applied for a credit card jointly on XX/XX/year> with XXXX XXXX, who I do not know. The party had my SS number and home address, as well as another unknown address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do not know this person and did not apply for CHASE acct. I was told by the person on the line that he could connect me to the Consumer Financial Protection Bureau, but when I asked him for number to call directly, I was disconnected. When I called the number back, I was disconnected. Checked CHASE website and it did not show recent application. He offered me a case number, but I was disconnected before I could get it.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I don't recognize this address. Please remove from credit report immediately. 
Address to be removed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Thank You So Much!
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am a law abiding citizen who is simply looking to get to the next phase in my life to better me and my family 's financial situation. But I am unable to due to the inaccuracies on my credit report. 

FCRA law 15 U.S.C 1681 protects me from any damages and any inaccurate information on my credit report. I would like to have this situation resolved immediately.
Product: Student loan

On XXXX XXXX, XXXX, my loans were transferred from XXXX to Navient. I have continued to pay more than what is due on time every month. Now, it is time to re-apply for Income Based Repayment plan. I submitted the application through Studentloans.gov, and then received an email back from Navient on XXXX XXXX, XXXX stating that they had received the application. On XXXX XXXX, XXXX I received another email from Navient stating that my payment amount had gone up. Since my income had decreased, and I had applied for IBR, I knew this was innacurate. I emailed them back stating the problem, and received a confirmation email on XXXX XXXX, XXXX that stated they had received my inquiry and would get back to me soon. I never heard more about the matter. Then on XXXX XXXX, XXXX I received an email with yet another new payment, this one a few dollars less. On XXXX XXXX, XXXX I called to get the problem fixed. They told me they would defer my payments for a couple of months, and give me time to complete an IBR application. I told them I already had, and that they had emailed me that they received it. The person I spoke with said to wait until the end of the week. On XXXX XXXX, XXXX, they emailed me three times. One that gave me repayment options. The second that said there was a new document to view, which was information on how to submit the application for IBR. This email states that the best way to apply is to go to Studentloans.gov and apply. I have already done this. The third email said they were still waiting for me to submit the information to process the request. I have no idea what information this is. On XXXX XXXX, because I still had n't heard anything, I decided to submit the IBR application again through Studentloans.gov. On XXXX XXXX, XXXX I received an email again from Navient that they had received the IBR application. On XXXX XXXX, XXXX I received another email from Navient that showed my payment had again increased even higher. Then on XXXX XXXX, XXXX, after hearing nothing from Navient, I again emailed to get the problem fixed. They sent an email of confirmation that my request had been received. And today, XXXX XXXX, XXXX, I have received another email from Navient reminding me that I need to return some sort of information to process my request. But it does n't tell me what this information is that they need. When I go to my account on the Navient webpage, no where does it say that I have to submit any information. In fact, I ca n't even find the documents that have been submitted until I go to the old website. I have been doing my best to pay off these student loans with the limited amount of finances I have. Navient has just given me the run around, and increased payments so that I can not afford to pay.
Product: Checking or savings account

my Savings account was hacked and completely wiped out. Mutiple transaction and withdrawls was made on my account. THESE TRANSACTION WAS COMPLETELY UNAUTHORIZED. I HAVE ALSO FILED A POLICE REPORT. I PUT IN A DISPUTE FOR FRAUDULENT CHARGES. TRUIST BANK FAILED TO ALERT ME VIA EMAIL OR PHONE TO LET ME KNOW STRANGE ACTIVITY WAS HAPPENING WITH MY ACCOUNT. TRUIST BANK DID NOT CONDUCT AN INVESTIGATION. TRUIST BANK DENIED MY CLAIM. I HAVE NEVER BEEN TO THOSE LOCATIONS WHERE THESE TRANSACTION WAS BEING MADE. NOR AM I FAMILIAR WITH THESE LOCATIONS
Product: Credit reporting or other personal consumer reports

I am writing to inform you of the violation of my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b, as well as my victimization of identity theft, as documented by an FTC report on file ( Reference Number : XXXX XXXX XXXX. I kindly request your prompt attention to this matter and the immediate removal of the following fraudulent accounts from my credit report. See Attachments ....
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXXXXX of 2023, I mailed a letter to Equifax, XXXX, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an updated credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).
Product: Credit reporting or other personal consumer reports

Last year, XXXX year ago this past XXXX I received a call from what appeared as the credit card company XXXX XXXX. I generally dont answer calls unless they come up as a contact which the phone in question did. It was early in the morning and a woman who identified herself as a XXXX  XXXX representative asked me if I was trying to charge {$1000.00} on my account for a game system and I said no because I was at my credit limit at {$300.00} already plus I didnt play games so I wouldnt buy a {$1000.00} game system even if I could. The woman advised me that my account was in jeapardy and that she was putting the supervisor of XXXX XXXX on the phone immediately. A man by the name of XXXX XXXX got on the phone and urgently told me that I was needed to help catch whoever was trying to fraudulently use my credit card so I agreed. XXXX XXXX XXXX had me download a XXXX XXXX and then I was told to go get a {$300.00} XXXX gift card, which I was going to be reimbursed, and to tell him when I got it so he/they could instruct me on what to do with it so I did. After I got the card and gave him the information suddenly he vanished and then I checked my account and saw that another {$300.00} XXXX gift card was purchased from my account. I got alarmed and called XXXX XXXXXXXX to find out what was happening and I was told that they never called me blah blah so I told them about what happened and they were hostile to me, called me a liar and a thief, hung up on me and when I called again they treated me bad again, refused to give me the identity theft information that I paid for, demanded that I pay for the fraudulent charges and closed my account. Then they reported that I was late on my payments to the credit bureaus and sold my account to a collection agency. I was never late in my payments but I did refuse to pay for the fraudulent charges. Now today at XXXX MST a man who didnt identify himself other than he represented a Id theft company called me about XXXX XXXXXXXX false charges and tried the same as the last scammer.
Product: Debt collection

A collection company ( afni ) contacted my wifes employer to tell them we had an outstanding balance on a bill and to call this number XXXX. When my wife called they said it was for an outstanding XXXX XXXX bill of {$33.00}. She refused to give them any personal information. I tried to call but they wouldnt talk to me. A few days later we received a notice in the mail. ... ... .. I contacted XXXX XXXX to whom we have been customers of for over 15 years. We are currently on auto pay so there is no way that we could owe on our phone bill. XXXX checked any old accounts and said that they show nothing outstanding and we are paid in full on all bills. 
The creditor Account Number : XXXX The Afni Accoint Number : XXXX Amount Due {$33.00} Afni Return phone number : XXXX
Product: Credit card or prepaid card

Amex, XXXX XX/XX/XXXX, my renewal fee was {$95.00}. 
In XXXX of XXXX, Amex discriminated against me by placing a preset limit of {$2000.00} on my account, which I rarely use, after my XXXX XXXX XXXX XXXX account was defrauded/depleted through XXXX, and while XXXX XXXX XXXX XXXX was defrauding me for erroneous insurance fees. 
In XX/XX/XXXX, my renewal fee was {$95.00}. 
In XX/XX/XXXX, per Amexs predatory revenue creation attempts during the XXXX pandemic, my Amex renewal fee jumped to {$150.00} on my account with a preset limit of {$2000.00}, which I rarely use. 
In XX/XX/XXXX, I reported two unapproved transactions, XXXX, and XXXX XXXX, and Amex wanted me to obligate my time to resolve the grievances, while Amex charged me late fees on the unapproved transactions, rather than Amex acknowledge the fact that Amex increased my renewal fee for Amex to direct me to resolve my own grievances as if I were an Amex employee. 
XXXX resolved the unapproved transaction, whereas I had to report the Amex-XXXX grievance to the Consumer Financial Protection Bureau ( CFPB ) ( XXXX ), and I was awarded the sum of the unapproved transaction. 
In XX/XX/XXXX, Amex sent me a paper check for the remaining sum of the credit award, at which time I expressed to the Amex chat representative to return the stolen funds to my account, or close my account, and neither happened. 
XX/XX/XXXX, months after I directed the Amex chat representative to close my account, Amex charged me a renewal fee of {$150.00}. 
Amex continues charging me an inflated renewal fee on my account that I rarely used, and which carries Amexs discriminatory preset spending limit. 
I had to report Amex to the Consumer Financial Protection Bureau ( CFPB ) over erroneous charges and interest fees. 
Amex returned the erroneous fees to my account. 
Amex removed the funds from my account to send me a paper check. 
I told Amex to return the stolen funds to the account or close the account. 
Amex failed to return the funds or close the account. 
Every time Amex creates one of these problems for me, Amex costs me more than the sum by obligating my time, as I stated to the Amex chat representative. 
Amex, close my account, because I have no need for overpriced Amex renewal fees on Amex preset spending limits. 
I will not be paying Amexs {$150.00} renewal fee or any associated late fees as my account was to have been closed in XX/XX/XXXX per my direction to the Amex chat representative. 

XXXX
Product: Checking or savings account

I have been using PayPal to receive payments for my online business and also paid some of my staff using same platform.

PayPal Merchant XXXX I then got a notice that PayPal is requesting for my verification details I gladly provided the files required and all was fine After that i get notified that my account has been permanently limited I immediately contacted the XXXX office and was told that one of the accounts I used to make payments to and they linked to me had a limitation hence why i was also banned I feel this was not fair on my part as I can not have control over how other people use their PayPal accounts I just really want my account back