23daVinci/CFPB_Complaints huggingface dataset:
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 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. 

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

XXXX XXXX XXXXBalance : {$200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$880.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX 87083**Balance : {$170.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) 3388****Balance : {$170.00} 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

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

In XXXX of this year my wallet was stolen and soon learned that there was unauthorized charges to my credit card. I disputed the charges and they took care of the unauthorized charges and credited my account back and even got a new credit card in the mail. Prior to this incident, though I rarely used the account, I did always pay on time when there was a balance. I received a letter from the creditor in XXXX, following this dispute indicating that they had closed my account after reviewing my credit file without warning me. 
When I opened this credit card I had good credit standing and feel that I should have been warned about their decision. In the letter they sent me there are a number of reasons but feel that I needed a fair warning before they decided to close the account. I have been working on re-establishing my credit and this decision that they took will affect this process tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XX/XX/XXXX I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, utility bill, driver 's license, and insurance card. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
ACCOUNT NAME - XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

There was an inquiry on my credit report in XXXX 2015 made from Discover company, I called Discover and stated to them that I did not apply for credit nor any goods from this company, This company called me and made an agreement that they will cancel the application and contact the credit bureau and ask them to remove the inquiry. The company discover did send me a letter but it is the fact that why it is taking longer than the usual time frame to contact the credit bureau to ask them to remove the inquiry off my credit report. I contact all XXXX major credit bureaus and the credit bureau that shows the inquiry which is from XXXX stated to me that Discover never did call or open up an send them an email to request to remove the inquiry, XXXX also told me that it never takes no more than a couple of days for a company to email them to ask for the removal of the inquiry. Discover has engaged in fraud and also made an attempt to open a application in my name. A month has passed by and the company Discover still has not agreed to what was been done and that was to ask XXXX in a email to remove the inquiry, There is no way that I can call XXXX and ask them to remove the inquiry the company Discover has to email XXXX and ask them to do it. But as of XXXX/XXXX/2015, XXXX stated that Discover never said anything, So I decided to file a compliant,
Product: Debt collection

These were Medical records that both collection agencies failed to validate and didnt honor the law. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Suite XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL, XXXX XXXX mailed verified letter was sent to XXXX XXXX XXXX and received by them on XX/XX/21 asking them to verify the supposed debts ( accounts XXXX, XXXX, and XXXX ). After 30 days I didnt receive a latter back so I filed a dispute with XXXX  and only account XXXX was deleted, which was the lowest amount totaling {$240.00}. I believe this was done because all 3 letters were sent in 1 envelope and they could easily discard the other 2 letters and likely claim they only received 1 letter in the envelope. The other 2 accounts were only updated as a result of the dispute with XXXX. 

I verified mailed letter was sent to XXXX XXXX XXXX XXXX and received by them on XX/XX/21 asking them to verify the supposed debts ( accounts XXXX, and XXXX ). After 30 days I didnt receive a latter back so I filed a dispute with XXXX  and only account XXXX was deleted, which was the lowest amount totaling {$110.00}. I believe this was done because all 3 letters were sent in 1 envelope and they could easily discard the other 1 letters and likely claim they only received 1 letter in the envelope. The other account was only updated as a result of the dispute with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate these accounts ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00}, DPT ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00}, DPT ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}
Product: Debt collection

Please accept this letter as a formal request to review and adjust my student loan payment. I am now a retired  XXXX  from a  XXXX   XXXX   XXXX  and my retirement income is less than  $ 500/mo.  after my health insurance is deducted. This alone, makes a {$750.00} payment to  Navient  impossible.
Product: Debt collection

I received a letter in the mail from Allied Interstate LLC stating that I owed for a public storage unit in the amount of {$150.00}. Public storage account number : XXXX. Reference number : XXXX. 

This is completely incorrect. I owe zero dollars to public storage or Allied Interstate LLC. My public storage unit was opened on XX/XX/2023 and I moved out on XX/XX/2023 due to flooded water damage. I had to go through their orange door insurance which is also called XXXX and they did NOT refund me for my public storage fees. 

I had a storage unit for less than one month is all fees paid upfront. I have emails and storage agreements stating my move-in date and an email from my move-out date showing I owed {$0.00}. I do not owe anything and did not ever, and I had to move out immediately against my wishes because my unit was flooded with water damaging my items. I have dated photos and videos to prove that as well, if needed.
Product: Credit reporting or other personal consumer reports

I am receiving bills & debt that do not belong to me. My identity has been compromised.
Product: Consumer Loan

Toyota Financial again has evaded responding to my initial request to provide an explanation for the " outstanding '' balance.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 


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

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XXXX XXXXXXXX 2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit card or prepaid card

I used the Amex website to pay my bill. It resulted in double payment. I called up and they refunded the extra payment. 

However, this caused an insufficient balance in my bank that bounced two payments. The fees were {$34.00} each total {$68.00} I contacted Amex and they said it was my fault that the duplicate was made. And that since my bank XXXX is the one that charged the fees they are not responsible. 

I argued that it was their website that caused the duplicate payment and that it was their double collection that caused my XXXX bank insufficiency. It doesn't matter that the fees are charged by XXXX but it does matter that they caused it. 

They also argue that when I called at the time in a panic to get them to reverse the extra withdrawal that I said it was an overpayment. This is not an admission of any kind but an effort to get the refund as quickly as possible not knowing what the issue was. This is pretty sleazy on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 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 statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$460.00}
Product: Checking or savings account

I contacted CHASE via telephone regarding my tax child credit check being put on hold until XXXX XXXX 2021. I have called XXXX waited on the line for XXXX minutes with no response and the XXXX time I called the wait to speak to the department that handled the clearance of the check had more then doubled its wait time. I have deposited several of this checks ( From the United States Treasury  ) before to my account without any problems or holds, however this time I am not being given explanations of why this particular check is being held for so long.I was told the representatives taking the calls do not ha access to this information. However the department responsible is saturated. Please help me resolve this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX -- Account number : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX  -- Account number : 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 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 reporting, credit repair services, or other personal consumer reports

Unauthorized use of my credit report. Reporting incorrectly.
Product: Checking or savings account

I called chase bank to file a complaint about XXXX XXXX XXXX not refunding my money. I gave all information. XXXX XXXX from XXXX XXXX XXXX office of the president told me to dispute the charge of XXXX. After chase so called did their investigation, they came back on XX/XX/2021 and reversed the funds.
Product: Credit reporting or other personal consumer reports

I asked for a reinvestigation of accuracy of accounts but I recieved no information as to who verified the reports as directed. What proof other than the credit bureaus saying they contacted the data furnishers? No records, no consent on my behalf but yet they reported to cfpb that the accounts were accurate and verified. Wheres the records saying there mine? What court official looked into this matter? If I have a identity theft report and ftc report how are they still saying there mine? Should I just keep letting them act like Im not a victim of identity theft? I need to be compensated for my credit being hurt and as a consumer it having an affect on my livelihood.
Product: Payday loan, title loan, or personal loan

I was speaking to Journey at Regional Finance in XXXX Mo and I was explaining my circumstances that I wouldn't be able to pay due to me wrecking my vehicle and my XXXX being unable to attain employment. I told her that my wife was in the process of being hired at a job where we will be able to commute together and once her paychecks start coming in we would get caught up. I also told her of the alternative that once we get my XXXX XXXX XXXX I can get a cash advance for my income tax return to pay off or catch up my loan. She then told me she would be unable to wait for that and they would be sending it to their legal department to garnish my wages. I am only XXXX days late according to what she told me and I find it baffling that they'll XXXX my check after such a short time.
Product: Debt collection

Recently I contacted the XXXX credit bureaus XXXX requesting my annual credit report and I realized that the company name DIVERSIFIED CONSULTANS with address XXXX, FL XXXX. And I realized that this company is trying to collect XXXX dollars in the name of XXXX. Where I did not time authorized XXXX to share my personal information such as my social security, my date of birth and my first name and my last name with any collection company including XXXX. Therefore I need XXXX to erase my information from their records and stop trying to collect the amount of XXXX dollars, since I never signed any contract with them, where I authorized them to have my personal data to satisfy its business. Therefore and others I demand this company remove my data from their files, so that I do not have to see myself in the obligation to take legal action, since in the past I was a victim of identity theft
Product: Debt collection

My complain is against XXXX XXXX, the way they operate is to provide services that people do not ask for and they just send them the bill. XXXX XXXXXXXX performed a fertilization service at my property in early spring last year, I called them and clarified that I didn't ask for the service, they told me that because I was a customer before they assumed I needed the service. I complained about them assuming and providing services that have not been requested and agreed with the customer. They told me on the phone in XXXX that they had deleted the charge and all and any account information that they had from me at the time. I am an individual that pays all my bills on time, however it is the first time someone does a service that I didn't ask for and wants to be paid anyway. I am sure if I did it once they would continue providing unsolicited services and sending the bills. I disagree completely with any company that proceeds that way. It is not about not paying the amount, since {$160.00} is nothing. it is about fairness in business. They claimed once that they sent me an email notifying me that they would do the service, I never saw the email and it would not matter anyway because that is also unacceptable way of doing business. 
I don't want anything to do with a company that has such wrong business procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX Wrong Address : XXXX XXXX XXXX XXXX, GA XXXX