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

I had a total loss fire on my equipment. I immediately filed claim with my insurance company. This was in XXXX of XX/XX/2018. The finally paid my equipment loan off in XX/XX/2018. I couldn't continue my business without equipment to operate. The insurance company XXXX XXXX should have paid after 45 days. I had keep in touch with XXXX XXXX XXXX XXXX XXXX as well. They have my account listed as a paid charge off. XXXX XXXX and XXXX still have this as paid charge off.. This brought my credit score down XXXX points. Im just now getting it back. Not Fair Business. I bought insurance to cover me in case of loss. Instead I lost my business and my credit score.
Product: Debt collection

Have called my personal cell several times a day from different numbers. Called my job back to back everyday. My manager has told them several time to please stop calling as it a XXXX XXXX and they would turn around and call right back a minute later.
Product: Debt collection

Moved in XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX of XXXX. Finished my 1 year lease through XXXX XXXX XXXX and was month to month for the extra year that I resided. The new company that took over the building which was XXXX XXXX XXXX is telling me that I left my faucet running on full blast while I was at work and flooded the downstairs unit. Let me clarify before all this, I was dealing with a very bad black mold problem in the ceiling of my bedroom. In the pictures that I have you can clearly see where the mold was coming from. A LEAKING PIPE in my ceiling. So as far as my understanding, the Actually Clean worker that was in my unit drying my floors, told me that he was advised that a pipe bursted in the wall. Not to mention I went out of town for a week sometime in XXXX of XXXX and there was nobody using water in my unit. BUT when I returned, there was water in my full bathroom by my bathtub. I honestly think that XXXX XXXX XXXX was being CHEAP and wanted to make someone else responsible for their piping issue. Water comes DOWN not up, so once again, where did the mold come from? And how come the pipe bursted AFTER the mold came about from the LEAKING PIPE in my ceiling if this was a leaving the faucet running issue? ALSO, NOBODY BUT ME, has any proof as far as pictures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several student loans on my credit report that are reporting inaccurately. I have been sending letters to the credit bureaus ( XXXX, TransUnion XXXX XXXX ) for the past 4 months. They keep " verifying '' and " updating '' but nothing ever changes. I have sent several letters via CERTIFIED MAIL. The last letter I sent was a factual dispute POINTING OUT the inaccuracies and it still came back " UPDATED & VERIFIED '' with the SAME inaccuracies. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v Trans Union Corp., No. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for you willful non-compliance. YOU ARE REQUIRED BY LAW TO REPORT 100 % ACCURATE INFORMATION ON MY CREDIT REPORT THERE IS NO WAY THAT THE SAME ACCOUNT IS REPORTING DIFFERENTLY ON EACH BUREAU. THE ACCOUNTS IN QUESTION ( US DEPT ED ). 

I WILL BE ATTACHING THE LETTERS I HAVE SENT AND WILL BE ATTACHING THE LAST REPORT SCREENSHOT FROM XX/XX/XXXX AND A SCREENSHOT FROM TODAY XX/XX/XXXX TO SHOW THERE WAS NO UPDATE IT WILL BE TIMESTAMPED. 

FIRST LETTER : XX/XX/XXXX CERTIFIED MAIL SECOND LETTER : XX/XX/XXXX THIRD LETTER : XX/XX/XXXX CERTIFIED MAIL
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$240.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$7300.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX SXXXX XXXX Balance Owed : {$86.00} ; XXXX XXXXXXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$710.00} ; XXXX  XXXX XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$570.00} ; XXXX XXXX Balance Owed : {$630.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX 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

On XX/XX/2023, I mailed a certified letter to the company XXXX XXXX XXXX XXXX, in regards to an alleged collection account on my consumer report. Also on XX/XX/2023 I made a complaint on this platform portal that the companies XXXX XXXX XXXX XXXX  and EXPERIAN were negatively affecting my consumer report by reporting false and inaccurate4 information of this alleged collection Account # XXXX, on my behalf. It has been well over the allotted timeframe of response and verification, pursuant to 12 CFR 1006.34-Notice for Validation of debts must be within five ( 5 ) days. Being that either of these companies can not validate, prove and provide the authenticity of this alleged collection account, under federal law and to, my fair act consumer rights, this alleged collection account # XXXX is to be immediately removed from my consumer report, along with a written letter to my home address stating that this alleged collection account is removed. I am not sure where this alleged account came from and I don't know who it belongs to, however this alleged collection is not mine. This action will be taken to federal court, as it is against my consumer rights of unfair practicing and false reporting in regard to 15 USC 1692 validation of debt, and Fair Credit billing act. Once a consumer files a complaint to the Consumer Finance Protection Bureau, that the company must respond. The XXXX XXXXXXXX XXXX XXXX company HAS NOT and IS NOT responded by mail or consumer portal. I humbly demand a removal of this alleged account that does NOT belong to me, removed. Attached are Exhibits A and B, of the Debt Verification certified letter with return signature to the company XXXX XXXX XXXX XXXX with evidence that this company has received the document and signed for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

citi bank lowered my credit score three points and it says because citi bank removed their mark from my account that makes creditor see me clear where it cost me three points.why citi bank did add or remove this mark what the changes or the updates that made them do that i have no clue/ i called citi bank they denied and all creditors say its Citi bank behind lowering my credit score. 

my emails XXXX XXXX XXXX XXXX its like once i write complain i dont think i should write same exact email address and not sure why this huge cruelty to reduce my credit score three points on XXXX XXXX, XXXX, XXXX  .I want to know why citi bank reduce my credit score three points, please have this abuse stop. 
please look at the last report where you would see that my credit score went down three points and citi bank refuse to tell me even why
Product: Credit reporting, credit repair services, or other personal consumer reports

Some one opening these accounts without my knowledge. 

This account was closed on XX/XX/2019 XXXX XXXX/XXXX Last reported XX/XX/2019 {$520.00} Reported balance XXXX XXXX XXXX Last reported XX/XX/2019 {$820.00} Reported balance Credit limit This account was closed on XX/XX/2019 XXXX XXXX XXXX Last reported XX/XX/2019 {$580.00} Reported balance Credit limit XXXX XXXX XXXX Last reported XX/XX/2019 {$200.00} Reported balance Credit limit
Product: Payday loan, title loan, or personal loan

I RECEIVED A NOTICE FROM LENDMARK STATING I WAS DENIED A LOAN WITH THIR CONPANY. THE IRONY IS I DON'T EVEN REMEMBER APPLYING FOR THIS LOAN. I AM REQUESTING A COPY OF THE LOAN APPLICATION. IF I APPLIED FOR IT IT WOULD HAVE BEEN ONLINE AND NOT IN PERSON. IN ADDITION 1, MY NAME IS XXXX XXXX 2 . THE LENDMARK OFFICE WAS IN XXXX. 
3. SOMEHOW I RECEIVED A DENIED VIA EMAI BUT, NO EMAIL WAS PRIOR COMMUNICATION.

4, THE LETTER CAM IN A BROWN UNOFFICIAL ENEVELOPE WITH NO USPS PROCESSING INDICATORS. 

THIS APPEARS TO BE A SETUP IF I DID NOT APPLY WHICH, I A, SURE. AGAIN MYNAME IS XXXX XXXX , I DO FEEL THIS IS ANOTHER PART OF A RING BACKTRACKING TO BUILD A ID THEFT CASE AFTER THE FACT. 

AND THE DATES OF THE COMMUNICATION DOESNT MAKE SINCE. APPLY EARLY XXXX JUST GOT LETTER??? 


INTERESTING TIMING DUE TO THE REPORTS WHICH WERE FILED OVER THE LAST 2 WEEKS BASICALLY CONFIRMING THE ID THEFT,
Product: Credit reporting or other personal consumer reports

This account for XXXX XXXX ending in XXXX has a XXXX balance and was never late. 
An update on XX/XX/XXXX was old and from a previous months closing statement, As of XX/XX/year> this account has a XXXX balance. its had had a XXXX balance for over a month. Not sure why company reported incorrect data on XX/XX/XXXX. This account balance needs to be updated to reflect the XXXX balance. check back with XXXX XXXX. XXXX and TransUnion still showing a balance. XXXX has been corrected.
Product: Checking or savings account

I'm on unemployment and went to pull out cash for bills and my payment for the week was gone literally 3 minutes after it posted to my account. Someone ( this is what key bank told me ) made an account at key2benefits and changed the pin number on my card from there also. I had my taxes stolen from a ex friend who put there banking information on XXXX XXXX instead of using my account so maybe it was this person that stole my identity. I have sone information in her if it helps but honestly I don't know if it was her. Ill file a police report if need be and grant yous any permissions you may need on my end to further your investigation to catch whomever did this to me. Also all banking information on taxes are wrong and were illegally put there by a person named XXXX XXXX XXXX. Address is XXXX XXXX XXXX XXXX ny XXXX. Again I will prosecute so please let me know what if anything on my end needs to be done to help! 
I have been a victim of identity theft and want to get the funds that pertain to me, as I receive them from unemployment benefits. I would like a history of all the transactions on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding my rights as a consumer that have been violated under US Code 1681c. Recently, I discovered on my credit report that there is an error of incorrect information and or delinquent payments. 

I have requested that the reporting agencies correct this error but they failed to do so after 30 days. This violation puts me at risk of being denied credit or other services due to false information on my report. Furthermore, it has caused my credit score to be lowered significantly and has caused me stress and financial hardship. 

Please take action against the reporting agencies for their failure to correct this error in a timely manner and investigate further into their practices. 

Thank you for your attention to this matter, Sincerely yours, XXXX XXXX
Product: Debt collection

This is my statement to report four offenses. Data breaches, violations of FCRA law, Identity Theft, & fraudulent addresses reporting to XXXX, & XXXX. I have taken matters into my own hands with hiring of private investigative resources that have supplied me and my legal team concrete & substantial evidence related to the Identity Theft, fraudulent addresses and compromised identity that had to be reported stolen. I filed a DS-64 report for the compromised stolen ID to prevent any damage and had new GOV issued identification issued out of an abundance of caution. Given new evidence that has been presented to me if these violations are not corrected, I'm prepared to pursue legally made pursuant to Section 615 ( f ), Section 623 ( a ) ( 2 ), 623 ( a ) ( 6 ) & Section 605B of the FCRA. Please update your records and stop reporting inaccuracies in relation to these offenses. The new evidence supplied to me by my team overwhelmingly links the fraud and proves that my information was exposed in not just 1 but multiple data breaches which have caused me massive turmoil.
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 XXXXXXXX  XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

The third party consumer reporting agency, XXXX XXXX has REMOVED the alleged bankruptcy off of their files. As you know XXXX XXXX is the company that reported this information to XXXX, Transunion, and XXXX. XXXX has found no grounds to hold this erroneous information on my report and they have instructed me to dispute the information with Transunion, XXXX And XXXX, however these companies have been lying stating that they have verified this information but the truth is that there is no information to verify because as you can see it is not there, they are falsely verifying wrong information. Please have them remove this information.
Product: Credit card

THIS IS NOT A DUPLICATE COMPLAINT. I HAVE NOT FILED A COMPLAINT ABOUT THIS IN AN ENTIRE YEAR AND MORE HAS HAPPENED SINCE THEN. PLEASE DO NOT MARK MY COMPLAINT AS A DUPLICATE AGAIN Chime Bank has botched both of my disputes I had against the same merchant, XXXX. For a year I resent my claim with supporting documentation to prove that the merchant sold me defective merchandise and refused to refund me. This was for merchandise that physically could not be returned to the store because it was installed into the ground and the merchant refused to send out their installation team to remove the faulty product. All of this had already been explained to Chime. Periodically I would receive a response back stating, I understand that you are upset. I assure you we are doing everything we can to resolve your dispute. However, they never did. The answer would always be the same a generated email stating, Weve completed our investigation of your billing inquiry, and we have determined that no billing error occurred. And whenever I emailed them telling demanding information as to why, they stated to email them and request the alleged documentation they relied on. Yet thats what I was doing by emailing them asking them why ( Obviously ), as well as I sent them a separate email requesting the information they so-called relied on in making their decision, but no response. I had asked them for this information several times. They do not respond with said documentation because there is no documentation to show .. No documentation that would classify as a good reason to deny my claim anyway. They are simply lazy and do not handle claims appropriately and/or are afraid of a lawsuit from a big name merchant, and so they automatically denied my dispute. Either or is not my problem and if thats the case then they need to apply the funds back to my account via their own pockets.
Product: Student loan

I attended California XXXX XXXX XXXX XXXX in XXXX in XXXX and I was forced to out XXXX XXXX XXXX  with high interest which totalled to be around {$50000.00}. My XXXX  was found guilty of misconduct and fraud and they closed down. Even though I have been XXXX since XXXX due to having XXXX, Navient has been collecting payments from me knowing my only source of income is Social Security XXXX income. I was very hopeful when it was announced this year that XXXX  misconduct victims like myself can finally apply for XXXX  misconduct discharge and decided to get the application from Navient. I applied and provided all the supporting documents that clearly stated and proved XXXX  misconduct, in addition I have provided the court documents from the class action lawsuit that found my XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) guilty. Navient placed my loan on forbearance for XXXX almost XXXX months since XXXX which added more interest to my loan and denied my application not once but twice. Navient refusing to give students an explanation or reasoning as to why they deny our application is wrong and illegal. I am losing hope and I cant get any help from Navient.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in addressing fraudulent credit inquiries that have been reported on my credit file by TransUnion. Despite my efforts to dispute these inquiries directly with TransUnion, the matter remains unresolved, and these fraudulent activities continue to harm my creditworthiness. 

I believe these inquiries were made without my consent or authorization, and I have taken steps to secure my personal information to prevent further misuse. However, I require your intervention to ensure TransUnion investigates this matter thoroughly and removes these unauthorized inquiries from my credit report promptly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> and XX/XX/year> Please let me know if additional documentation or information is needed to support this complaint. Thank you for your time and assistance in this matter.
Product: Checking or savings account

I got paid yesterday XX/XX/2023 and everything was fine. I woke up the next morning trying to log in to my banking app and it kept giving this error of username and password not found and my account was locked. I called the bank and they said that corp had decided to end the relationship with me and closed my account with no explanation. I have bills. Rent and car payment due and I can't even access my own money. They put in a request for me to access my money faster but even that can take days. I'm so upset!! They waited until my direct deposit hit to do this. After all the fraud I've dealt with them for the last 2 years. People making checking accounts under my name in different states and money being taken out of my account by scammer. I've been sent several different debit card within the last couple months because of fraud and then they close my account? This is XXXX!
Product: Debt collection

Paid XXXX dollars to Columbia debt collector for removing off credit report
Product: Credit card or prepaid card

American Express- there is a discrepancy with when payments, credits that come through resulting in an interest charge. In additional, the interest charged vs the remaining amount was exorbitant compared to what was owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/XXXX, XX/XX/2021 and XX/XX/2021 I've mailed all three credit bureaus a letter disputing some inaccurate things on my credit report. It has been almost 70 days and I have not received a response seeing the disputed items taken off my credit report. I understand that COVID has caused a lot of thing to slow down, but this is a bit too long waiting for a response. Reviewing some of the the things on my Equifax report makes me feel that I have been impacted by their data breach and my personal information has been used by the wrong person or persons. This has caused me quite a bit of stress especially dealing with the deaths of my friends due to COVID. I am asking that these items be removed from my credit report. I have sent documents through mail and attached to this complaint of proof that these accounts have been paid for and should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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/block any items 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 are the list of items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I am writing to express my grave concern and frustration regarding the continuous reporting of invalid negative items on my credit report, which have been disputed multiple times without resolution. Despite my repeated disputes, the reporting practices of XXXX and Experian clearly indicate your failure to adhere to your responsibilities under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I am a victim of XXXX data breach. I want these items deleted off my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has deleted these accounts due to my information being sold from their data breach. Please help me delete these negative accounts on my credit reports that have been removed from my other credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am attaching the proof of accounts being deleted from other credit reports, proof of data being breached through blackweb and datd breach from XXXX. 
All Credit Reports By Law List The Same Accounts For All Reports To Accurate And If and When Something Is Proven To Be False or Inaccurate and Removed From one Credit Report All Other Reports Should Do The Same.