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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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've reached out to the bureaus on these unverified accounts before and still XXXX and Experian are reporting the following incorrectly : XXXX : Account number : XXXX, This is an unverified account that has been disputed before. Each bureau is showing a different Date last active. XXXX is reporting XX/XX/XXXX and Experian is reporting XX/XX/XXXX ; whereas there is no reporting from XXXX. There are also inaccuracies with the Date Opened, High Credit Amount, Date of Last Payment, and lack of 2-year payment history. I see this account is still not remove. 

XXXXXXXX XXXX : Account number : XXXX, There is no reporting for this unverified account from other bureaus. This unverified account has also been disputed before.
Product: Student loan

On XX/XX/2022, I called to request a refund of the payment I made on my student loan during the COVID 19 pause. I was told that I was entitled to a refund due to a provision in the CARES Act. The person I spoke with on the phone said that he would put in my refund request for processing that day and that he did not foresee any issues. I've contacted Aidvantage regarding the status on multiple occassions and have been completely ignored. My account has not been updated, which implies that no action has been taken in the past two weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$11000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable re-investigation of disputed information on my credit report, leaving in accurate or unverifiable accounts unresolved. The consumer federal protection bureau has recently filed a lawsuit against Experian, alleging, systematic issues such as failing to forward. Consumer provided evidence to companies, accepting unreliable response, responses, and failing to adequately, notify consumers of disputes outcome. These feeling align with my rights where experience has neither corrected or removed disputed items. Despite the evidence I provided causing ongoing harm to my credit standings. I am requesting immediate corrective actions to remove disputed accounts as experience in action, violates my federal laws and my rights as a consumer.
Product: Credit card or prepaid card

I paid a deposit of {$450.00} to a company called XXXX XXXX for a trip on XX/XX/XXXX. The trip did not happen due to Covid 19 travel restrictions and was cancelled by XXXX XXXX around XXXX of XXXX. XXXX XXXX did not return my deposit and they did not offer an immediate refund. XXXX XXXX did say that after 1 year they would return my money to me. 1-year passed and they did not return the money. I reached out to XXXX XXXX and they instructed me to file a claim with my credit card company XXXX American Express ). American express informed me that the timeframe within which I could file a claim had passed. American Express concluded that they would not be able to reimburse me the deposit to XXXX XXXX. In XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a derogatory entry from XXXX on my account. XXXX changed the terms of my agreement after I had signed up online and used this as a basis to auto-charge me far more than I had originally agreed upon. I can't remember specific numbers, but I agreed to pay around $ XXXX/mo and they charged me about {$300.00}. It was in early XXXX, a good year before the entry appeared on my credit report in XXXX XXXX. 

At the time I attempted to work with their phone support and they threatened to report to the state that I hadn't had insurance for the last month that I was asking for a refund for, which would have caused me issues with my car 's registration and would have messed with the rate provided by a new insurance company. This was a month that they had already agreed to provide insurance for under a different rate, so they had no grounds to make these absurd statements off of. 

I didn't want or ask for a full refund, I just wanted a refund for the difference between what I owed and what they charged. Since they both didn't offer a refund of the amount that they had stolen from my account and were threatening me in an attempt to extort money I went the alternate route of requesting a chargeback from my bank. In retaliation they inappropriately reported a derogatory claim on my credit account when I did that. They have reported to XXXX  that I owed them an amount far in excess of the amount agreed upon because they decided after I signed up to change the terms of our deal. 

They never had authorization to take the money that they took from my account and when I tried to work with them at the time I was met with threats and flat-out lies. I was unable to resolve the issue while directly contacting the company. 

This XXXX  and any other related credit report entries need to be removed as soon as possible. The debt they are claiming I owe them is not legitimate. They are committing libel at this point and them putting this on my credit report amounts to extortion. 

The debt is currently owned by Credit Collection Services, https : //www.ccsusa.com/ and is being reported by XXXX. I have disputed the entry with XXXX  unsuccessfully.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and remove these items from my report. It is my understanding that you will contact the creditor responsible for reporting these items to verify their accuracy. Please proceed to eliminate any information that the creditor is unable to verify. I am aware that according to 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this correspondence.
Product: Credit reporting or other personal consumer reports

Ive recently checked my credit report and noticed and inaccurate account reported
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am writing on my own as a natural person and consumer who is a victim of identity theft, I am requesting the immediate removal of the following items from my consumer credit report in accordance with 15 U.S. Code 1681c-2. This statute requires that any information identified by the consumer as resulting from identity theft must be blocked from the consumer 's credit report within 4 business days of receipt of my request. It has been over 30 days since my initial request, and you are in violation of this law.

This dispute is not being made in error, nor is it based on any misrepresentation of fact on my part. The information I am disputing is fraudulent, and the entities that reported these items DO NOT have lawful authority to do so. According to the law, these companies are required to have tax documents or other forms of written consent to charge off or report these items under my name. I did not provide such consent, and as such, these items are in violation of my privacy rights. Under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. I NEVER provided any written consent for any consumer reporting agency to report the information listed below on my behalf, and their failure to adhere to this law constitutes a clear violation of my rights as a federally protected consumer. 
Please delete the following items from my credit report immediately NAMES ADDRESSES EMPLOYER COLLECTIONS HARD INQUIRIES ACCOUNTS These accounts should not appear on my consumer report, as they are the result of identity theft. Please ensure these fraudulent accounts are removed as required under the law. The companies reporting these items have failed to provide proof of my consent or authorization, which makes their actions unlawful. 
I respectfully demand that you take the necessary steps to delete these accounts from my credit report and send me written confirmation that these items have been removed. This request is made under the rights provided to me by the Fair Credit Reporting Act and related laws. 
Thank you for your immediate attention to this matter. I look forward to your timely response
Product: Credit reporting or other personal consumer reports

I have sent this company, a cease and desist letter. This company has refused to adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter, the company has been found to impose as a collection agency, which it is listed that this company is not legally binding, and or insured to collect in the state of Wisconsin. Please have this company cease all collection activities. This is my last attempt to complain outside of court.
Product: Student loan

My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an dispute letter to Equifax, a copy of my cfpb report, copy of my identification, and also placed a fraud alert on my credit report, stating that i did not authorize this inquiry from XXXX bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted dispute letters to Transunion, XXXX  and XXXX XXXX XX/XX/2021 and XX/XX/2021. I submitted along with my dispute letters a copy of my FTC identity theft report, a signed and norarized identity theft affidavidt, my state ID and a copy of my social security card. 
I received letters from all 3 bureaus stating that I needed to submit copies of identity theft reports and identity theft affidavidt, .I have already submitted those documents along with my dispute letters to them, and I believe they are refusing to correct the inaccuracies on my report on purpose.

They did not investigate the inaccurate accounts, instead sent me a letter asking for the paperwork I already sent to them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been affected and suffered damages that go all the way back to XXXX, when Equifax announced to me that as of XX/XX/XXXX victim of their criminal cyberattack on its systems. 

The attackers gained unauthorized access to my personal information. My information was compromised and stolen including my name, Social Security numbers, birth day, address, and in some instances my drivers license numbers, credit card numbers, and other personal information. 

I was mislead as a consumer ( UDAAP ) this was the law that was broken. Cyber Crime with Equifax Identity Theft with Equifax on XX/XX/XXXX Due to my identity being stolen I have had many adverse items such as : My Identity was Stolen Denied EIDL AND PPP lost XXXX due to equifax credit reporting Denied a mortagage Charged a higher deposit on home rental Could not finance a vehicle Denied forbearance on school loans Had to pay more for car insurance Had to spend extra money due to suffering and had have medical treatment. 

I have mailed in a claim in XX/XX/XXXX to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX XXXX ( XXXX ) XXXX https : //contactus.equifaxbreachsettlement.com/en/contact Equifax Data Breach Settlement c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX , WA XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am not responsible for the CHARGE OFF WITH XXXX XXXX. My Credit Report is being used incorrectly as this company as sold my debt to a debt collector by the name of XXXX XXXX XXXX XXXX, XXXX and I didn't receive a 1099-C either. This goes against consumer rights including 15 USC 1681 ( e ) B and I will be furthering legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cant qualify for a mortgage because Child Support Enforcement refuses to delete inaccurate child support information from my XXXX credit report. My credit report shows that my account has been late and/or collections 9 times ( 9 months ). I have faxed in requests for them to correct their incorrect reporting. I personally went into a local office and was given a payment history, to show that the payments had been received by Child Support Enforcement and that they never were late. I was also given an official letter from the Child Support Enforcement Department, stating that they had reported the account erroneously and that this account has never been past due and was never in collections. The letter states that, all 9 months ( the months are individually listed on letter ) were reported erroneously as being late and/or in collections. Even though they gave me the letter and the payment history report to show everything is current and has never been late, they are continuing to report the erroneous/negative/delinquent information. I have been trying for months to get Child Support Enforcement to correct ( delete this account ) my report and they are now refusing to do it. I have tried numerous times to resolve this matter with XXXX and Child Support Enforcement, to no avail. Dates Complained : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

Continuously calling my employer. I 'm not allowed personal phone calls and they call during work hours and after work hours.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The account is XXXXXXXX XXXX  A account closed and paid in full between XXXX. This account was never late yet Transunion and XXXX continues to report false information. XXXX did the correct investigation took the steps and did right. Now on XXXX my account has been made whole. I provided and mailed Transunion and XXXX this information many times over the last several years yet nothing has changed. Nor does my credit report reflect late payments just doesnt match my profile. Its alarming this has taken years to handle.
Product: Mortgage

I fell behind on my mortgage when I went through a financial hardship from a divorce. I requested a modification through the mortgage company which was denied. Every month a payment was made but after the mortgage was 3 months in arrears, however, on my statements every month there was a charge of $ 12.50- {$22.00} for home inspection fees that has now accrued to {$510.00}. I feel that is an unnecessary fee that the mortgage company has charged. I have managed to obtain a contract to sell my home before it goes into foreclosure and that fee has been included in the final payoff of my mortgage. There was no benefit that I as the consumer received from this fee. I believe this was free money that the mortgage company was able to gain at my expense. This an unfair practice that should be investigated.
Product: Credit reporting or other personal consumer reports

My personal information was leaked in a data breach concerning XXXX and XXXX. As per 15 U.S.C. Sec 1681i ( a ) they were required to complete an investigation regarding the inaccurate items on my credit report. In accordance with the fair credit reporting act, I requested they be removed, but it can back the next day as verified without an explanation of how it was investigated or verified.
Product: Credit card

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX  XXXX, Iowa XXXX Subject : Appeal Regarding Unsatisfactory Veterinary Service Dispute with Chase Freedom Card I am writing to appeal to the Consumer Financial Protection Bureau for assistance with a recent transaction dispute on my Chase Freedom card. The transaction in question pertains to a service provided by a veterinarian for the treatment of my dog and cat. The transaction took place on XXXX of XXXX with XXXX XXXX for amount of XXXX dollars. 

Briefly summarized, my pets were administered steroid injections by this new veterinarian with the expectation that it would alleviate their symptoms, including itching, swelling, hotspots, biting, and licking paws. Sadly, three days post-treatment, not only have their symptoms persisted, but they have also significantly worsened. 

Given the lack of improvement and the deteriorating health of my pets, I contacted Chase Freedom 's customer service to dispute the charge, hoping for an understanding and resolution. However, their approach towards the situation was unyielding. They suggested I consult another veterinarian and produce a statement that confirms the ineffectiveness of the previous treatment. While I understand the need for verification, I found this requirement burdensome and potentially inconclusive. A secondary veterinarian, without prior knowledge of my pets ' condition pre-treatment, would be ill-equipped to provide a definitive comparative statement. 

Furthermore, I inquired if Chase would bear the costs for this secondary consultation since it was a condition they imposed, but this was declined. It feels unjust that, in seeking redress for a service that was ineffective, I am compelled to incur further expenses, with no guarantee that they would be recouped. 

It is important to understand that my dispute is not based on mere dissatisfaction but the tangible worsening of my pets ' conditions post-treatment. It is disheartening that the resolution offered involves additional financial and emotional stress for me. 

I kindly request the Consumer Financial Protection Bureau to intervene and guide this matter to a fair resolution. I genuinely believe that I should not be held accountable for charges related to services that not only failed to deliver their promised results but also led to further complications for my pets. 

Thank you for your time and attention to this matter. I trust in the CFPB 's mission to ensure consumers like myself are treated justly in financial dealings and look forward to your guidance. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i was a victim of identity theft and these are the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SEE ATTACHED There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am in fact, requesting this block on behalf of myself.
Product: Checking or savings account

Money was available to spend in my account navy federal did not take the money out of my available balance until the transaction posted sending my account into negatives and causing late fee when the money should not have been available the money for those transactions should have been taken in the pending process