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

I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding this account. I have already contacted all the relevant companies and submitted the required FTC to address this issue. 
Additionally, the companies in question have already removed this account from their records. Therefore, I am surprised to see that your bureau is still reporting this fraudulent account. Could you please provide documentation regarding your verification methods? XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX.
Product: Debt collection

On XX/XX/2019 I received a credit report notification from my XXXX credit monitoring account that a notice of collections had been filed on my credit report. My credit monitoring company states this collections notification was started on XX/XX/2019. I received no notification of any kind from the company named Diversified Consultants. I am an XXXX XXXX military member serving overseas. Diversified consultants claims XXXX XXXX XXXX is the company responsible. I verified with XXXX XXXX XXXX that my account had been closed and that my account balance was {$0.00} prior to my XXXX XXXX XXXX overseas move. Diversified consultants attempted to place another collections file on my credit report one year ago. I disputed this claim last year and the claim was removed from my credit report. Now there is another collections notice from the same company for the same reason one year later. This account was closed in good standing and has already been removed from my credit report previously. There is no basis whatsoever for this collections report. I have never missed a credit payment in the history of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have my own health insurance more than 2 years. But this account billed me ambulance charged {$1300.00} on XX/XX/2020. I called Experian twice to explain and disputed this wrong account. But unfortunately they didnt nothing with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is 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, delete the noteworthy of any information in my credit record that came about due to an alleged fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter dated XX/XX/2023 asking Toyota Motor Credit to Remove an inaccurate item from my credit report. They didn't respond and therefore it needs to be removed. It is severely damaging my financial life and making it difficult for me to acquire credit.
Product: Credit reporting, credit repair services, 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 USC 1681. 

XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX. 

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 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 consumer report containing any of the following items of information. Any adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

These items are having a negative affect on my credit report and are preventing me from getting a equity loan to consolidate my debt.

thank you for you assistance in these matters.
Product: Credit card or prepaid card

BOTH instacart & shipt have charged me each {$99.00} for yearly membership. I DID NOT authorize this. Chase bank has REFUSED to dispute these charges. I was told I had to contact the company ONLY. I also have a problem with XXXX and they were not able to tell me if the payment I want to cancel is by card or check. The phone is one month old and in their attempt to fix it the made the problems worse. I am XXXX years old and its my only phone, and, I don't have a car. If anything happens I am stranded. Chase will not do anything about my problems with them. IF they allow the payment to go thru it will cost me over {$420.00} - which I can not afford. Apparently Chase doesn't know what its doing as far as I am concerned. 
I am also including a charge from XXXX  for my FREE credit report.
Product: Mortgage

I made a {$100.00} additional principal payment online on XX/XX/year> to Mr. Cooper. In addition to them deducting this amount from my checking account, they deducted an additional principal payment in the amount of XXXX. The {$1000.00} payment was not authorized nor made by me. I contacted them XXXX when I discovered that my checking account had been overdrawn as a result of this deduction. The representative indicated that it was a web-based payment and that the payment field probably " pre-populated '' with this amount. This can not be accurate, how does two additional principal payments populate at once? Why the amount of {$1000.00} which is not the amount of my mortgage and can not be explained. The representative said that she had to call my bank with me on the line in order to verify this amount was deducted from my account. In doing so, she was allowed to hear my full account number and pin so that now the account is vulnerable as a result. Once it was verified, she indicated it would take XXXX hours to be refunded. On XXXX, I contacted Mr. Cooper via chat and was told that the request for the refund had been submitted. On XX/XX/year> XXXX, from Mr. Cooper called to follow up. I told her that the money has still not been refunded to my account. She then noticed that the refund had not been requested and that she would request it today! She gave me a confirmation # XXXX and told me it would take an additional XXXX hours to be refunded! Now I have to go the entire weekend without these funds which creates a hardship. Furthermore, this unauthorized deduction left my account balance of - {$91.00}. XXXX transferred me to XXXX in escalation who was unable to do anything further except she indicated she would talk to the representative I originally spoke to. Each month since last year when they took over this mortgage from XXXX XXXX last year, I have had issues with misapplied payments without fail. This company needs to be audited for their practices.
Product: Credit reporting or other personal consumer reports

.there is a past due amount of XXXX dollers and a monthly balance of XXXX dollars and the account is still open marking me late on payments it should be updated to positive regarding Title 15 of the United States Code, Section 1681s outlines the responsibilities of furnishers of information to consumer reporting agencies. These responsibilities include providing accurate information, investigating consumer disputes, and correcting any inaccuracies promptly
Product: Credit card

Paid the balance due in full and then was charged interest - they claim it was because interest accrues daily and the statement balance is not the real balance. NOTHING stated I should call for a payoff figure this is not a car or house loan it was a credit card. The balance due is the balance due I paid the balance shown on-line on XXXX before the due date of XXXX. Why are they allowed to charge more interest?
Product: Credit card

I have been unable to access my bank account for a long time. I have tried methods like resetting my password, but I am not receiving any emails to complete the process. The mobile application is already problematic, with numerous issues reported. You can see many complaints and user reviews on download platforms such as XXXX or XXXX XXXX.
Product: Checking or savings account

On XX/XX/XXXX, I attempted to add my debit card to XXXX XXXX, but encountered an issue due to a bank inconvenience. The following day, XX/XX/XXXX, I relocated to XXXX and attempted a purchase, only to have the payment declined. Thankfully, I was able to withdraw cash using an ATM. 

Subsequently, on XX/XX/XXXX, I tried accessing my account via both the app and the webpage, but encountered technical difficulties. A message indicated the issue was related to technical problems. 

By XX/XX/XXXX, upon contacting the bank, I was informed that my account had been blocked due to a suspected fraud alert. They mentioned communicating with their fraud department to verify my account and resolve the issue. During the call, they requested my full name as listed on the debit card, the debit card number, the secret word, and the last XXXX digits of the ID provided to the bank when opening the account. 

Furthermore, they asked for a number to receive an SMS verification code, to which I provided the numbers already registered in the account. However, they stated it was not possible to use these numbers for verification and abruptly ended the call. I made XXXX more attempts to contact them that day, with each call ending similarly. 

Despite my urgent need to access funds for various expenses related to my relocation, subsequent calls yielded no progress without the verification code. Initially, they claimed the letter containing the code was sent on XX/XX/XXXX. However, during a call on XX/XX/XXXX, they stated it was sent on XX/XX/XXXX, and I would need to wait an additional XXXX to XXXX business days. 

Unable to visit a bank branch without the verification letter, I remain unable to close the account or conduct any transactions. My identity alone is insufficient for verifying the account. 

With over 20 days elapsed since access to my account was lost, my entire salary and all my savings remains deposited there, leaving me unable to even use services like XXXX.
Product: Student loan

Loans for forgiven via the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. However, I still have not received the refund for payments made prior to XXXXXXXX XXXX XXXXXXXX XXXX ( as stated in the Case ). When contacting Aidvantage, they tell me I am not eligible for a refund. Terms of the settlement No. XXXX ( XXXX. XXXX. ) state that " If the borrower defense application related to federal student loans taken out to pay for attendance at any school on the list of schooled attached to the settlement agreement as Exhibit C, the borrower will receive Full Settlement Relief. Full settlement relief means that the federal student loans associated with the borrower 's attendance at the school will be discharged, XXXX WILL REFUND ANY AMOUNTS PAID TO XXXX ON THOSE LOANS, and the credit tradeline for those loans will be deleted from the borrower 's credit report. '' So by these terms the XXXX has not honored full relief by not providing me with a refund for payments previously made. 

Please provide information on what my next steps should be. 

Thank you very much for your time and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. This item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

( XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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 information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX ( Original Creditor XXXX  XXXX XXXX  XXXX ) XXXX Date Opened : XX/XX/2020 Balance : {$170.00}.
Product: Credit reporting or other personal consumer reports

This is the second complaint I have made about EdFinancial Services. I am an endorser on a couple 's loan for my stepson. I paid off the loans in full in XXXX and XX/XX/2023. Edfinancial hasn't reported the loans to the credit bureau. On their website, they said they report every month to the credit bureau. The last time they reported to the credit bureau was in XX/XX/2023. Every time I call, they say the amount is to large and it'll take XXXX days. It has been over XXXX  days. Am I supposed to take legal action against the XXXX XXXX or the Department of Education to have the situation solved? I need to buy a house, but because of that, I can't do it.
Product: Debt collection

in XX/XX/2019 my mother phoned me told me she had received a letter from Kahr 's Law Firm in XXXX KS addressed to me. I do not and have not lived there. She mailed it to me. I received letter around XX/XX/2019. It was a debt collection notice regarding a payday loan I took out at XXXX 'XXXX XXXX XXXX XXXX in XXXX, KS. I phoned Kahr 's Law Firm on XX/XX/2019. I was prompted to leave a message. I left all required information request as " not to be put on the bottom of the my list '' as she said it. All required information includes my phone number, place of employment, name and last four numbers of my social security number and I would like to make payment arrangements. I wanted to settle my debt sooner rather than later so I phone XXXX XXXX XXXX XXXX XXXX in XXXX, Ks spoke with XXXX he agreed to settle on pay off amount of {$340.00}. My mom went to XXXX XXXX  XXXX XXXX  XXXX next morning XX/XX/2019 and Paid in full. Debt is paid. I have receipt. I had not heard from Kahr 's Law Firm ever actually so I thought the matter had been resolved. Then, on XX/XX/2019 my mom phoned me telling me a sheriff visited her house wanting to serve me a subpeona to appear in court for said debt still owed. Sheriff did not serve papers as I was not there again as I do not and have not ever lived there actually XXXX XXXX XXXX XXXX   XXXX had a complete different address on file. I phoned Kahr 's Law Firm spoke with XXXX she requested I fax receipt to her as I did the next day. I phoned Kahr 's Law Firm to comfirm their receival of receipt. No one answered. I left message voicemail to please call me. I phoned XXXX at XXXX XXXX XXXX XXXX  XXXX in XXXX as that is where they handle the collection matters. XXXX told me was paid off and she would phone Kahr 's Law Firm. I spoke again with XXXX shortly after that. She told me she spoke with XXXX at Kahr 's Law Firm told her debt was settled and if I owe anything it would be between Kahr 's Law Firm and me. I phoned Kahr 's Law Firm after that XXXX answered I told her I my name and that I just spoke with XXXX at XXXX XXXX  XXXX   XXXX  XXXX, she asked me to hold and either she hung up on me or we got disconnected this happened XX/XX/2019. I phoned back she did not answer nor did she ever call me back. I phoned XXXX County District Court in XXXX on XX/XX/2019 spoke with XXXX she told me my court date is XX/XX/2019 and that the papers from Kahr 's Law Firm regarding debt they claim I still owe with XXXXXXXX XXXX XXXX XXXX   XXXX  was filed XX/XX/2019 and again payment to XXXX XXXX XXXX XXXX XXXX was made in full on XX/XX/2019. Today is XX/XX/2019 and I have not heard from Kahr 's Law Firm.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account 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 account need to be investigated and corrected for erroneous reporting in my file listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries such as XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 TRANSUNION LLC IS reporting inaccurate information on my credit report Ive disputed this info 2 times still I have No response/ evidence bearing my signature, of this being accurate.
Product: Debt collection

A collection agency sent a bill to my house, but the bill had the wrong name ( Not mine ) for something I never purchased. I call the company and told them they had the wrong name. Sort of similar, but not really, to my name. They said they would just change the false name to my name, and I should pay! I have not done business with the company and owe nothing. 
I sent this info to you by letter, perhaps about 2 months ago.I received a letter from you with a case number. The letter was no help. I called your phone number, and got someone who said I did not have my e-mail or phone number on my letter, so nothing would be done. I don't remember seeing where those two were asked for. Anyway, the person I was talking with said to send that information back to you folks, which I did with my case number. Then I got a letter from you which looked as it was telling me how to file a complaint which I already have done. What do I need to do to get these people hounding me for money I don '' t owe off my back? 
XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 a Transaction was made to an elaborate scammer for {$850.00}. 
This person used multiple websites, phone numbers, package tracking input and email addresses and copied a logo of a national known accredited business website to look as authentic as possible. The real business is well known and has had articles posted about them being the best in the nation. 
I reported the incident with the bank Chase, XXXX, and three government fraud/scam sites. The two money companies kept pointing the fingers at eachother and I'm still out of {$850.00} even with government /police reports being filled. 
I even reversed the email and website Id 's for them but I still have had no response.
Product: Debt collection

I am being billed for an amount due that comes from an invoice that was altered after I/we signed the invoice for purchase of a sectional sofa at XXXX XXXX XXXX XXXX. XXXX # XXXX totaled {$9700.00} and seller registered in their books as {$12000.00}, and sent the difference to collections. I wrote the collection agency and disputed the {$2400.00} charge and asked for validation of the debt. I also asked them not to report this to credit bureaus since I did not recognize this debt and did not owe money to their client. Professional Adjustment Corp. SW FL Inc , went ahead and reported this debt to credit bureau XXXX Their first response to my debt validation request was a statement from their client ; no invoices or other documents. Again, I wrote requesting all supporting documents and later received all invoices. It was then that I realized the original invoice had been altered and sent them a copy of my original, signed invoice along with their altered invoice and statement reflecting incorrect amount. All correspondence was sent via certified mail. I can provide supporting documents. Store attempted to collect this amount prior to delivery and I disagreed and went personally to the store to try to find where the open balance was coming from ; no one in the stores business department had the answer, so delivery was scheduled and furniture was installed in our home. I disagreed and disputed this balance from the time I was made aware of its existence and have proof all invoices were paid entirely using my credit card. I now learn through the collection agency that the original invoice was altered after being signed and paid for and that XXXX XXXX XXXX XXXX knowingly and deliberately submitted a false, inflated invoice.