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

I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Addresses : XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX 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 on my credit report which are UNKNOWN to me XXXX This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 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. 

A copy of my Utility Bill, drivers license, W2 for my Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking these accounts is inadvertently resulting in me being extorted.
Product: Student loan

I have attempted multiple times to contact FEDLOAN via their online message regarding payback and qualifying payments for Public health forgiveness program. They never respond and never show proof of messages. If you call to talk to agent, there is no paper trail and calls last for such a long time it isn't possible to call with questions. 
When you get to discuss loan with agent the details change per agent. 

I simply want my total amount of payments to be accurate. I have had automated debit since the onset and on time 100 %. They did not give me credit for 3 payments because I paid more than the lowest amount thus fedloan took it upon themselves to just use the extra amount to not add to the principal as i requested but instead delay counting the amount of months for me. 

They will not give me written information regarding that date. I consolidated XX/XX/XXXX and instead of XX/XX/XXXX being the 10 year forgiveness date it has been changed to XX/XX/XXXX arbitrarily. 

I have talked to several people and it seems to be a common scam by FEDLOANS to delay the 10 year time frame to months and even years of more payments.
Product: Credit reporting or other personal consumer reports

Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my XXXX XXXX and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint because TransUnion, XXXX, and XXXX are reporting accounts on my credit report that are past the seven-year reporting period, in violation of the Fair Credit Reporting Act ( FCRA ). The following accounts from XXXX XXXX are outdated and should have been removed from my credit report : XXXX XXXX XXXXXXXX Balance : {$3800.00} Closed Date : XX/XX/2017 XXXX XXXX XXXX Balance : {$2800.00} Closed Date : XX/XX/2017 These accounts have exceeded the seven-year reporting limit, yet they are still being listed on my credit file. I have disputed these accounts in the past, but they have not been removed, and this is causing ongoing harm to my credit report. 

According to FCRA Section 605 ( a ), negative information must be removed from a consumer 's credit report after seven years from the date of first delinquency or account closure, whichever is later. These accounts should no longer be reported, and I am requesting immediate removal. 

Desired Resolution : I would like the CFPB to ensure that TransUnion, XXXX, and XXXX remove the outdated accounts from my credit report immediately and provide written confirmation of this action. I also request that they comply with the FCRA and FDCPA guidelines by removing the information that is no longer legally reportable.
Product: Credit card or prepaid card

On XX/XX/2020 I reported three unauthorized transactions made with my XXXX XXXX Credit Card for purchases at two grocery stores. My credit card was stolen that same day at one of the grocery stores where the charges were made. After I called the company to report it, the three transactions were removed from my statement. 

On XX/XX/2020 I received a notice from the credit card company ( Chase ) stating that I am responsible for two of the unauthorized transactions because apparently I " received benefit from the transaction '' The two unauthorized transactions are : - XXXX XXXX # XXXX - {$330.00} - XXXX  XXXX # XXXX - {$56.00} These charges have been now added to my account statement and the credit card company has not provided responded to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company Bridgecrest by law according to 15 USC 1681 Section 604 A Section 2 : XXXX a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

This company has reported numerous negative payments on my XXXX, XXXX and XXXX credit report and I ( XXXX XXXX ) would like for those payments to be updated to XXXX status due to my current up to date payments.
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 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX University : XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX # 51, has violated my rights.

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: Debt collection

I received a notice of a law suit in the mail from Weltman, Weinberg & Reis of a debit I owe to XXXX XXXX. I have tried to contact Weltman, Weinberg & Reis via phone on numerous occasions to pay the debit and Im transferred to a voice mail. No one from the company returns my phone calls. I have tried to pay the debt online via the website they provide and I receive an error message the dollar amount is too large. I have sent them emails requesting a phone call back so I can pay the debt and no one responds. They are avoiding me to rack up more bills when we go to court. My next call will be to the magistrate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I was an victim of fraud made two transactions one in the amount of XXXX and other for XXXX. Submitted police report as requested. Still denied refund after waiting nearly a month until investigation was done
Product: Credit reporting or other personal consumer reports

Received letters from home owners insurance company XXXX XXXX XXXX XXXX XXXX, that the credit rating was insufficient. 
They subscribe to Lexisnexis.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$290000.00} XXXX XXXX XXXX  XXXX Balance : {$2700.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$32000.00} XXXX XX/XX/2024
Product: Credit card or prepaid card

On XX/XX/21 I received notice from Synchrony bank that my account was now closed, the only information provided was " Activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay. '' I have had the account for years and have never been late on a payment so I do not know the reason for closure. As a result of the account closure I have lost XXXX in rewards that were available prior to the account being closed. After numerous contacts with the company they state rewards are forfeited when an account is closed. That seems fair if I were to close the account, but I was given no notice the account was being closed and therefore no opportunity to withdraw the rewards. It seems to me Synchrony can just close any account without notice to take rewards the were properly earned
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, I am a victim of Identity theft. I am enclosing my Driver 's license, Identity theft report where I listed all the charges that I did not make from Federal Trade Commission and a notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IDEAL COLLECTION SERVICE XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, IDEAL COLLECTION SERVICE XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, IDEAL COLLECTION SERVICE
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/2018 XXXX XXXX XXXX was listed as a collection on my credit report for the amount of {$5500.00}. I did not receive any notification of this debt before posted to my credit. I disputed this debt with all 3 credit bureaus and was notified that the debt was verified. In XXXX I recieved a bill from XXXX XXXX XXXX for this same debt. Tried to speak with XXXX XXXX XXXX about the debt and was notified that they no longer have this debt. So I asked for validation of this debt from the credit bureaus and recieved a reaponse from XXXX XXXX XXXX. I contacted them once again and they told me again that they no longer have this account and that I would need to contact XXXX XXXX XXXX  which is who is listed on my credit reports. XXXX XXXX XXXX does not have a working number. The address is not valid. I researched the company and found no way of contacting them. Asked XXXX XXXX XXXX for a working number or address for the company and they do not have either. This debt is on my credit and I have no way of resolving it or removing it. The credit bureaus are not doing there job as far as the verification process and validation of this debt.
Product: Credit card or prepaid card

XX/XX/XXXX Received a package from Amazon that I did not order. Had a gift message from my husband- He did not order and did not send anything as a gift. Received email from Amazon confirming the order and delivery. 
Look online at Amazon account and saw the order was placed with a credit card I do not have and did not apply for- Visa ending in XXXX expiring on XX/XX/XXXX. 
Contacted Amazon to report the delivery. They put a 24 hour freeze on our account and assigned the case to be investigated. The only thing they were able to tell me is the Visa card was added to my account XXXX the same day the order was placed. 
Contacted Visa at XXXX and could not get any information about the card issuer. Was only given instruction on how to protect your identity- file police report, contact credit reporting agencies, ask for fraud alerts. 

I did not apply for a Visa card and believe it was fraudualantly opened in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any accounts which were opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent XXXX Collection : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Southwest Credit Systems , LP 's unauthorized debt collection activities in the state of Ohio. Upon conducting a review via the XXXX XXXX XXXX XXXX ( XXXX  ) website, I discovered that Southwest Credit Systems , LP ( XXXX ID : XXXX, formed XX/XX/XXXX ) is not licensed to collect debt in Ohio as of my review date ( XX/XX/XXXX ). 

I attempted to verify Southwest Credit Systems , LP 's XXXX ID by contacting them directly on XX/XX/XXXX, but I was unable to obtain verify the ID with the representatives I spoke with. However, during my conversation, the representative, XXXX, confirmed other details such as their address. Regrettably, XXXX 's demeanor turned confrontational, refusing to allow me to express my concerns. Our call, which lasted approximately 17 minutes, did not result in any resolution.
Product: Checking or savings account

I made a purchase online for a pair of earrings on XX/XX/21 for {$510.00} from XXXX. I received a confirmation that my order was shipped by USPS and a signature was required upon delivery. I stayed home the day of the expected delivery XX/XX/21 and no postal employee came to my location and no package was left. When I tracked my package again, it indicated my package was delivered and signed for. Again I never signed for anything and I live alone so no one else could have signed for it. I contacted the merchant and was advised to contact the post office. I filed a claim with the post office that I never received my package and also contacted the postal police regarding the implication that I signed for my package, and clearly either the postal employee was untruthful and signed for it themselves, or delivered it to the incorrect address. I then contacted my card holder ( Bank of America ) and filed a claim with them and provided the same details. Bank of America sends me a response indicating that I made the purchase, and it was delivered and signed by me. I never denied making the purchase and I clearly stated that I never received my purchase. The signature that was provided is not even close to my signature, and as I indicated to them I haven't signed for a package, especially from the USPS in over a year, and no package was left at my location.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian : Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under XXXX U.S. CXXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX U.S. CXXXX XXXX ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request the immediate blocking and permanent deletion of fraudulent accounts, inquiries, and collections appearing on my credit report as a result of identity theft. My personal information was compromised due to a data breach, leading to unauthorized activity that does not reflect my credit history or consent. Specifically, multiple accounts were fraudulently opened in my name, including those with XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Additionally, unauthorized hard inquiries were made by XXXX XXXX XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX, while fraudulent collections from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX have appeared on my report. 

In compliance with the Fair Credit Reporting Act, I formally request that all fraudulent items be removed within four business days of receiving this dispute, as mandated by law. I have enclosed supporting documentation, including a copy of my government-issued ID, proof of residence, an FTC Identity Theft Criminal Complaint ( XXXX XXXX XXXX  ), and my consumer credit report highlighting the fraudulent items. Additionally, I request written confirmation detailing the removal of these inaccurate accounts, inquiries, and collections. I appreciate your immediate attention to resolving this matter and expect a timely response as required under the FCRA. If further information is needed, I can be reached via email or phone.
Product: Credit card

on XX/XX/XXXX i was making an internet donation on behalf of a coworkers birthday to a animal shelter for her birthday. I was making the donation for the total of {$15.00}. When i received the email to conform the donation it had the total of {$1600.00}. I immediately called the credit card company and started a dispute. i have a email from the animal shelter the {$15.00} donation was to go to and they have not received a donation from me since XX/XX/XXXX. I call the credit card company at least once a week the bank i have the card through the bank manager has made call for me as well as another banker with no results, except to say its pending and i will receive a letter, and at one time it was removed only to be put back on my balance. I have no idea where this {$1600.00} went and i would not donate this amount to just one place even if i could. I can provide information if needed. I have emails on my computer as to when the disputed started.
Product: Credit reporting or other personal consumer reports

I wish to dispute this account. This account was created XX/XX/XXXX. XXXX XXXX devastated 80 % of XXXX XXXX XXXX on XX/XX/XXXX, 80 days after this account was originated. 
I left XXXX XXXX XX/XX/XXXX. 
Hypothetically Speaking, if I were a student at that time - There should be a Student Loan Forgiveness Program for students that were affected and displaced due to XXXX XXXX. 
If you are, legally, going to GIVE me this account, I wish to apply for XXXX XXXX Student Loan Forgiveness or other disaster relief.

The Company I worked for was destroyed I was unemployed. The Schools in XXXX XXXX were closed for at least 1 year or longer. I lost ALL MY private PROPERTY - HOME - CLOTHING. 
I stayed in a hotel in XXXX, XXXX  until XX/XX/XXXX. FEMA relocated me to XXXX  XX/XX/XXXX. I stayed in XXXX XXXX, XXXX, XXXX  for 6 months paid by FEMA. I accepted residence in XXXX XXXX, XXXX  in XXXX. 
This Student Loan originated XX/XX/XXXX with XXXX as the servicer - XXXX sold it to XXXX XX/XX/XXXX, XXXX  years after. XXXX sold this Loan to protect itself. CFPB banned XXXX from servicing Student Loans based on years of abuse of Student Loans. There is reasonable doubt, of the accuracy and legitimacy of this student loan account.