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

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions unknowingly authorized. There are variation of companies name, account numbers are incomplete, variations of balances. If there are 36 entries on my consumer credit file combine with all three of the major consumer reporting agencies which are XXXX XXXX and XXXX XXXX. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX XXXX and XXXX XXXX all three agencies have had data breaches. Within the last 60 days some of these transactions have appeared on my credit file. On XX/XX/2022 my credit score has plummeted over 100 points. SEE ATTACHMENTS
Product: Credit reporting

I have successfully disputed with XXXX, but Equifax will not allow my dispute on their website. This judgement was entered incorrectly and erroneously by the creditor 's attorney and should not be on my credit report.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute ( CFPB # XXXX ) to XXXX XXXX XXXX XXXX regarding 30 day lates reporting in error. The investigation took longer than the 30 days permitted by the FCRA. The investigation did not conclude until XX/XX/XXXX. 

The reporting by XXXX XXXX XXXX account # XXXX ( see attached Credit Report ) must be immediately deleted and permanently removed from my credit report.
Product: Credit reporting or other personal consumer reports

I called all three reporting agencies asking them to remove the hard inquiries reported in accurately and negatively on my credit report. 

In accordance with XXXX XXXX XXXX XXXX- Congressional findings and statement of purpose section ( a ) & ( b ) it is detrimental to the consumer as well as our economic structure that these negative items be removed. 

The inquiries that I wish to remove are located on the attached documents of this complaint.
Product: Money transfer, virtual currency, or money service

I made the mistake of suggesting to my clients, XXXX and XXXX XXXX to pay me via Paypal.com for services in the amount of {$3000.00} and on XX/XX/2023 : I billed & invoiced XXXX XXXX for {$3000.00} through the Paypal website. The next morning on XX/XX/2023 a payment was made by XXXX XXXX to Paypal for {$3000.00} Paypal immediately deducted 3 % = {$92.00} as 'Fee ' Later on XX/XX/2023 I was able to transfer to my XXXX XXXX Account {$310.00} only because there was a hold on the remaining amount The remaining amount of {$2600.00} was put on-hold for 21 days. 
This was completely unnecessary and is to create float for Paypal to keep user 's money even though they have received money from the customer, received their 3 % fee. 
This practice must be discontinued and since given the millions of transactions flowing through the Paypal system this amounts to hundreds of millions of $ XXXX that they have access to. 
The CFPB and FTC must regulate them or sue them in XXXX XXXX to disband this practice.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts from my credit report : US DEPT ED XXXX Balance : $ XXXXUS DEPT ED XXXX Balance : {$28000.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Email : XXXX, XXXX XXXX amount XXXX. I responded that it is not my account to stop sending these email.
Product: Debt collection

On XX/X/17 I was informed via email from my former employer that the company card that I had lost was used that i was to remit payment for the transactions or they would file charges with the court. I recently moved to VA from Ohio, meanwhile the card was used in NY. The company has held my last paycheck and halted my XXXX pay out that exceeds the amount being asked for. telling me i only have XXXX hours before I 'm arrested. I had a breach with my personal bank account and I was not aware that it had also affected my assumed to be closed work account because I no longer work for the company.
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. Accounts : XXXX XXXX XXXX XXXX XXXX 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 ; Inquiries : XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry XXXX XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXX Inquiry Date XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still reporting my name wrong. I have sent in several copies of my ID and social security card and they continue to send correspondence with the wrong name
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, has violated my rights. I have the right to privacy. The law also states a consumer reporting agency can not furnish a account without my written instructions. I have sent several written request to this agency and have had zero responses or changes to my consumer report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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 card

Complaint Details What Happened * On XX/XX/year>, I booked a car rental reservation through American Express Travel with XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. 
* The agreed rental terms were as follows : * Pick-Up Date/Time : XX/XX/scrub> XXXX XXXX XXXX XXXX XXXX  Drop-Off Date/Time : XX/XX/year>, XXXX XXXX XXXX XXXX  Rental Location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Confirmation Number : XXXX * Approximate Price : {$1300.00} ( including taxes ). 
* However, I was charged {$2500.00}, which is significantly higher than the agreed amount and was not authorized by me. 

First Dispute Resolution * Account Ending : XXXX * Reference Number : XXXX * Merchant Name XXXX XXXX XXXX XXXX  * Transaction Amount : {$2500.00} * Dispute Outcome : American Express denied my dispute, claiming the charge was valid. 

Second Dispute Resolution * Account Ending : XXXX * Reference Number : XXXX * Merchant Name XXXX XXXX XXXX XXXX XXXX Transaction Amount : {$2500.00} * Dispute Outcome : * Amex stated that XXXX XXXX XXXX provided sufficient documentation to justify the charge. 
* According to the explanation, an extra charge was applied because the car was returned at XXXXXXXX XXXX instead of XXXXXXXX XXXX resulting in a higher total. 
* The merchant also claimed that a signed rental agreement reflected the total charge of {$2500.00}, including additional coverages. 

Why I Disagree 1. Agreed Price : The original confirmed price was {$1300.00}, including taxes. I did not authorize or approve any additional charges. 
2. Return Time Discrepancy : A 12-minute delay ( XXXXXXXX XXXX instead of XXXXXXXX XXXX  ) does not justify an overcharge of over {$1100.00}. 
3. Rental Agreement : I believe the merchant misrepresented the agreement to include unauthorized additional charges. I do not recall agreeing to any extra coverages or fees. They made it seem like the additional amount was a deposit that would be refunded to my account upon returning the vehicle. 

Rental Confirmation Details * Agency : XXXXXXXX XXXX XXXX XXXX Location : XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX * Confirmation Number : XXXX * Pick-Up Date/Time : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX Drop-Off Date/Time : XX/XX/year>, at XXXXXXXX XXXX XXXX Approximate Price : {$1300.00} ( including taxes ). 

Supporting Evidence * The original booking confirmation showing the agreed price of {$1300.00}. ( Attached )
Product: Checking or savings account

CITIBANK, for more than 4 years I had both personal and company citi bank service, in XXXX, a payment of money was made to me which was deposited in my company account, the payment was rejected due to insufficient funds, and my accounts and all the services I had with Citibank were canceled. 

I understand that one must take care of who receives these payments, but the check received was from a client who had an account in the same bank, and was not in the country, no withdrawal of the funds was ever made nor did the account remain with a negative balance, owing money to the entity. resulting in the closure of all my accounts, and that of the client who made the payment to XXXX XX/XX/XXXX, I went to open a personal bank account in the same entity and the account was opened without any problem, the opening deposit was made, and after 3 days that account was closed without any explanation, without having taken any type of action that could affect the bank or my accounts. 

To the date after I managed to open the account with them I was notified that the accounts were closed and I could not reopen the account with them, without giving me any reason and without knowing why if I comply with all the legal requirements I can not make use of banking services.
Product: Debt collection

I am reporting a dispute about FCO : Fair Collections & Outsourcing of New England , Inc . 

My understanding is that you have a lawsuit against this company and I hope you can help me. They have failed to report my statement of dispute to the credit bureas and have failed to provide me with any answers on the phone or in writing. 

This company has given me the runaround on the telephone since XX/XX/year> when I first received their notice of a claim from XXXX  years ago. They have not answered my questions, and have stated numerous times over the telephone that if I do not pay the amount they will report me to the credit bureau on XX/XX/year>. 

I have told them, both numerous times in writing and on the telephone, XXXX times since receiving their notice of debt in XXXX, that I am disputing this claim due to constructive eviction. Every time I called asking them to investigate on their end, they simply told me to pay or I will be reported. I have a credit score of XXXX and this is very upsetting to me that they will not investigate my claim or provide any answers to me other than to pay. It is as if they are reading off a script and not hearing my voice or my questions. 

I feel I am not being protected and they are not investigating my dispute with simple disregard. They have not reported to the credit bureaus that I have disputed I have XXXX obligation to this debt. They have not followed up on my written or telephone correspondence. 

Kindly advise me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

ADDRESS INFORMATION INCORRECT My current address is XXXX XXXX XXXX XXXX . XXXX, XXXX, OH XXXX THE FOLLOWING ADDRESSES ARE NOT ACCURATE. I HAVE NO CONNECTION TO ANY OF THESE ADDRESSES. PLEASE REMOVE THEM XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Debt collection

They never sent any info. the amout is completely wrong. Had credit berau verify to no advail. These people need to be more accurate and send proper info.. They need to remove from my credit. They should not just be able ro pit on someone credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX 

CLAIMS AND REPORTS TO EXPERIAN AND XXXX AS WELL AS XXXX IS BEING REPORTIN IN COLLECTION? 

HOW WAS THIS SOLD TO A COLLECTION AGENCY WHEN IT WAS NOT LEGALLY VERIFIED? 

IS THAT EVEN LEGAL?? 


PLEASE REMOVE CAUSE ITS HURTING ME FROM GETTING APPROVED FOR A LOAN FOR MY XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPT OF EDUCATION ACCT # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION XXXX XXXX, US DEPT OF EDUCATION # XXXX. 

In accordance with the Fair Reporting Credit Act, my rights been violated... 15 U.S.C 1681 Section 602 a credit reporting system that is fair and accurate to the consumer, and protects the privacy and specifies the permitted uses of consumer information. 15 U.S.C 1681 Section 604 the user must have a permissible purpose that is consumer specific, such as a credit transaction, a business transaction, or a court order involving the consumer who is the subject of the report. 15 U.S.C 1681 Section 623 it prohibits reporting information with actual knowledge of errors and requires notice of dispute and notice of delinquency of accounts. It also allows consumers to dispute inaccurate information directly with the original creditor after completing the process with the credit bureau. Furnishers of information may face civil liabilities for willful or negligent failure to comply with these duties.
Product: Credit reporting or other personal consumer reports

For Complaint # : XXXX, I have that my previous Experian dispute # for the XXXX XXXX was Dispute # XXXX. This is the current dispute number and not the previous dispute number. 

My previous dispute # for XXXX was Dispute # : XXXX. Nothing was resolved with this prior dispute. Also I want to know why XXXX has recorded XXXX potentially negative months for that card. That is close to 2 years of negative payments which never occurred. Something is not correct with how this delinquent account is being reported. 

I am submitting this correction for my previous submitted compliant today - Complaint # : XXXX. 

Also, I want to know why I have a " Good '' score for my Length of Credit when it shows my oldest account is XXXX XXXX XXXX? This is 15 % of my credit score. 
And i want to know why I have a " Good '' score for Payment History when it shows 88 % paid as agreed and the only late payment of 30+ and 60+ days is the XXXX Card which I am disputing.
Product: Checking or savings account

I opened a business checking account with Chase and deposited a XXXX checks at ATM in early XXXX. Chase emailed me a few days later saying there will close my account since there were one check not able to be verified. The check amount deposited was {$13000.00}. So I contacted the person who wrote me the check. They told me the check was cleared from their bank and they never received any calls from chase to verify the check.

So I called chase and provided the telephone of the person who paid me. Chase told me they are not able to verified the telephone number I provided. They said this number does not show in chase 's system even after I brought the telephone bill and show them to CHASE Branch. 
They said unless the person who make the check visit CHASE BANK with me at the same to show his ID to verify his identity to CHASE otherwise they will not release the fund to me. And also they will not cancel the check and return the fund to the person who paid me either. BASICALLY, THEY WILL JUST HOLD THE FUND FOREVER and take the amount from me at the end. 
I contacted the person who paid me. They can not understand this and refused to go to chase bank with me together. From their side, the check was cleared one month ago which means they already paid me. Why would they have the business owner to visit chase bank with me? 
I visited chase bank 3 times and called them many times. They insists that they will hold and take my {$13000.00} forever unless the business owner of the check maker go to chase bank with me together.

Since They payer refused to do so, chase will take my {$13000.00} at the end.

They are stealing from me. This is definitely not right.