23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

In XXXX, XXXX, I spoke with XXXX XXXX XXXXXXXX XXXX and Level 1 Law about the debt consolidation program that they offered. It sounded great at the time and my 3 creditors would be paid off in 4 years. I have paid them {$630.00} for 13 months. A total of {$8200.00}. I began seeing all the bad reviews for Level 1 Law and they have been revoked from XXXX After further research, XXXX XXXX is not a member of the XXXX. I began to look at my account with Level 1 Law and no amount of money has been given to the 3 creditors since XX/XX/XXXX. I've made copies of the charges each month and what has been deducted is for fees. Earlier this month I had {$800.00} removed from my checking account besides the {$630.00} that has been taken. After further research, one of the creditors had never received the so-called POA letter from Level 1 Law. Then, I spoke with Level 1 Law, and the POA letters were to have been mailed back in XX/XX/XXXX. XX/XX/XXXX - I requested copies of the POA letters and was told they were not posted in my account. XX/XX/XXXX - I sent an email message to XXXX XXXX canceling my contract. The email return message from XXXX XXXX stated someone would contact me soon. I haven't heard a word. ( XXXX makes me wonder about offshore accounts ). So now, I've been scammed out of {$9000.00}. Disgusting and horrible business dealings. I'm adding the names and phone numbers for each one : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Level 1 Law  - XXXX, FL XXXX Any recommendations as how to move forward will be greatly appreciated! Thank you so much for letting me post this complaint! Respectfully!
Product: Credit reporting or other personal consumer reports

I have asked for the account to be verified but no investigation has been done I have requested documents showing the contract I have with the alleged company no response
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian today and was hung up on. There are 3 accounts on my credit report that shows now status. ( 2 with XXXX XXXX XXXX XXXX XXXX XXXX ) My payment history and ontime payment information is missing. The credit limits are also missing. There is a XXXX point difference between my credit report with Experian and the other agencies. I was denied for credit 2 times this month due to the information not reporting on my credit report. There is something wrong with Experians systems and it is against the fair reporting credit act to not dispute information properly. 

Please review the statements attached and update my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted complaints to Experian regarding an entry on my credit report that is incorrect, as well as violations of the UCC and FCRA Regulation Z. Experian did not investigate my issues, did not provide me with any proof how they investigated them, merely stated that the entry was verified. 
I did not request that it be verified. I requested VALIDATION. In order to validate they would have to investigated and require proof from the company that is reporting. They did not. So now I believe Experian is now in violation as well. 
I tried to resolve this myself, and all I received was a phonecall from the company, when I requested resolution in writing. 
I discharge the amount owed on the account XX/XX/2018 and have proof I did. Not only did they not remove the item from my credit report, but there is still an open lawsuit which they refuse to move forward on, leaving my life and finances in limbo. 
They refuse to help me, they refuse to INVESTIGATE, I believe because the creditor is their customer, I am not. This is against my rights in disputing errors.
Product: Bank account or service

Fraudulent accounts. 

There were numerous accounts opened for me without my authorization in the XX/XX/2015. At the time, and after a few months worth of transactions and fraudulent activity, I called and spoke to a representative that helped me close them. I did n't think too much of this situation at the time, but in light of recent news I will be scrutinizing that period of activity closer and looking for higher accountability and better options. 

I have a few of the banking statements from this period, but will be requesting a complete history as, curiously, the 2015 statements are not available online even though I marked this as my preferred communication method. Additionally, I will be gathering more information and reviewing this situation with friends and colleagues. And finally, to compound the issue, my personal information was compromised around this time and numerous credit cards were opened and/or manipulated without my knowledge or authorization. I ca n't say the two are related, but the timing is suspicious. 

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

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

XXXX/TD Account Type : Credit Card Account Verified : XXXX Hight Balance:XXXX I payment on time, and payfull Balance, Why closing my account! No notification
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX : Unfortunately, my personal information on file with your company is not accurate.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX  XX/XX/year>2023 XXXX XXXX XXXX XX/XX/year>2023 XXXX XXXX XXXX  XXXX  XXXX/XXXX/2023
Product: Student loan

This is honestly so overwhelming I have about {$74000.00} in debt and I paid over {$500.00} a month for about 10 years and its over {$20000.00} more than originally XXXX I got shoot probably more than that every time I go into some kind of a forbearance or something because Ive been in and out of jobs when it goes back and repayment its always like oh you owe XXXX dollars your first payment is over 1000 and your payments are over 500 a month ill submit them on my paperwork and my income and then I think Im getting on a payment plan and Im getting forgiveness I paid over three other service companies money only to resend that because now then it gets involved again and then they just end up consolidating me and sending me paperwork I never signed for your eye think Im getting student loan forgiveness and I was in a consolidating my loans again with knobby aunt never what I want to do I keep thinking Im getting steam get forgiveness through the government but Im still with knobby aunts after like four times My loans go from XX/XX/XXXX to XX/XX/XXXX with consolidation dates all the way up to XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct.

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX XXXX XXXX Addresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX Addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Equifax Employer : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have received an insufficient funds notice for a purchase if USD coin, digital currency. 
This has happened three previous times. 
Each time the error has been on the company 's side. The company is Coinbase , Inc . 
Each time l have had sufficient funds to cover the purchase.
Product: Debt collection

I received a solicitation for a credit card from Upgrade.com with an {$8000.00} limit. I applied for the card in XXXX and received the card in the mail. I have never used the card ( I wanted to do some things around the house ). I just looked at the account yesterday and saw that they had a balance of {$6500.00} and I found a phony loan document with my name signed by Upgrade , Inc . I never received any money and never asked for any and never used the card. I tried to call them a couple or times but I was put on hold with no response and the call disconnected. The loan document is dated XX/XX/2021 and I have not communicated with anyone in their company since XXXX. I didn't receive a billing statement in the mail but when I looked at my account they had a billing statement for {$200.00} and asking me if I need financial assistance. This is a complete fraud and I can't get in touch with anyone at that company with the phone number provided. The company name and address is : Upgrade, XXXX, XXXX XXXX XXXX, XXXX Floor, XXXX XXXX, CA XXXX URL Upgrade.com I have no intention of re-paying money I do not owe for a loan I never received. Why do they think they can get away with something like this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified on XX/XX/2022, by XXXX XXXX XXXX that someone had fraudulently used my identity to secure an Ink account in my name on XX/XX/2022. They closed the account, and I have been chasing ripples from my identity theft since. 

I have made a police report to my local police department, XXXX XXXX MO XXXX ( XXXX. XXXX XXXX # XXXX, report # XXXX ), and I have submitted an Identity Theft Report ( # XXXX ) to the FTC. I have frozen all of my credit reports, and have placed a 1 year fraud alert on all three of my credit reporting accounts. 

In reviewing my credit reports from the 3 major consumer credit reporting agencies, I noticed a hard inquiry from Bank of America dated XX/XX/2022. This was not me, it was an inquiry generated from the identity theft. I disputed the inquiry, since it was due to the identity theft. BOA reviewed their records and confirmed that the information they reported to the consumer reporting agencies is correct. They will not remove the fraudulent inquiry from my credit report, and consider the dispute resolved.
Product: Money transfers

Essentially I have over {$5000.00} dollars in a paypal account. I have been selling XXXX as well as buying XXXX for several months. Suddenly, after receiving a larger payment from a well known XXXX, my paypal account was suddenly limited. The language as to why was not clear, just that they wanted me to explain where money was coming from and that they suspected fraud. Once I had told them of my business and even to look at see what I have sold on eBay, they immediately gave me a permanent limitation with no explanation as to why. I was never allowed even to appeal nor to dispute based on the vague language given. Subsequently, another paypal account I had also have had for many years was also suddenly limited, for being " related " to that account. In totally paypal is holding approximately {$8000.00} USD of my money. There seems to be nothing I Can do.
Product: Vehicle loan or lease

This particular account situation that is lately filing on my own credit document has unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that WELLS FARGO DLR SVC/ has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 120 days late in any of mypayments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit card or prepaid card

I made in app purchase on my XXXX for 7days of credits that were to be awarded. I never received anything. I contacted the app support and went in circles. I then contacted XXXX to dispute the charges and every single one was denied. I now went to Chime bank to dispute and they say a DECISION will be made by XX/XX/XXXX! I never received any of the charges! I have over {$250.00} that each company refuses to refund! 
XX/XX/XXXX {$4.00} and XX/XX/XXXX {$9.00} and XX/XX/XXXX {$4.00} and XX/XX/XXXX {$9.00} and XX/XX/XXXX {$33.00} and XX/XX/XXXX {$16.00} and XX/XX/XXXX {$9.00} and XX/XX/XXXX {$38.00} and XX/XX/XXXX {$23.00} and XX/XX/XXXX {$6.00} XX/XX/XXXX {$31.00} and XX/XX/XXXX {$9.00} and XX/XX/XXXX {$27.00} I contacted the app support on XX/XX/XXXX and after for all charges as they were to be a 7 days process. The reward selected would disappear and not show up ever. There are technical issues constantly and the app usually send a message with credits however when I complained at the numerous missing credits they made excuse after excuse and said check keep C
Product: Credit card or prepaid card

i got the XXXX  XXXX  XXXX  card with no pre set limited, when i apply i was informed i could buy anything. I try to use it or a mobile home and was informed it didn't go though
Product: Credit card

I hold an XXXX XXXX credit card exclusively designated for the acquisition of XXXX XXXX flights. I have received a recent correspondence from the issuing company, notifying me of their decision to discontinue the acceptance of this credit card for flight purchases. In essence, the company has opted to cease the issuance and utilization of this credit card. 

Given this development, I kindly request a complete balance waiver for the outstanding amount on my account, along with the closure of my account, ensuring a XXXX balance. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Contributor : XXXX XXXX XXXX Contributor Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. 

Dear Sir or Madame, I am writing to dispute the following information listed below, which appears on my credit report. 

It does not relate to any transactions that I have made. It is the result of identity theft. I can confidently assume to be a victim, I did not initiate or approve the transactions. 

I did not authorize any transactions on or after this date, and I did not authorize anyone else to use my ATM/Debit card in any way. 

Durning that time my significant other added me to their bank account for emergency purposes only ( paying bills etc ) I never used or added any funds to the account. It was strictly In case of emergencies. 

Please investigate this matter and take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 

Sincerely,
Product: Debt collection

On XXXX of 2018 a new account was placed on my credit report by Portfolio recovery, llc stating that I owe the {$1400.00} as they are trying to acquire this amount on behalf of XXXX XXXX XXXX. Prior to this another company tried this same tactic as at that time I was unaware that my identity was stole and used to obtain a credit card from XXXX  XXXX XXXX, immediately on receiving this I sought professional help and was advised to dispute this account ( which I did and the account was removed within 30 days of the dispute ) and file for identity theft. Now I have been back and forth with Portfolio Recovery in a plethora of letters trying to dispute this account which was fraudulently acquired in my name, they have been insistent in trying to collect this account and it is damaging my credit which in turn is injuring my chances of applying for future lines of credit, also it has been very costly to be maintaining constant communication via certified mail which cost {$6.00} per letter. I need them to remove this immediately as I have no intentions of paying for an default account which is not mine.
Product: Credit reporting

I have not been able to get my free credit report online from TransUnion for 4 years. TU always claims that they can not verify my identity, yet they do n't even ask any identity verification questions before denying access. This year, I ordered a report over the phone after failing to get one online. I will see if it actually comes or if they deny that as well.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year>, I received a credit alert from XXXX XXXX XXXX stating that an account from Capital One Auto Finance in the amount of $ XXXX was opened in my identity. The information was reportedly reported to XXXX. I logged-in into my XXXX personal account ( that I pay for ) and I did not see this added account/information. I contacted Captial One concerning the issue and they did not have any information with my name or SSN. I then contacted XXXX XXXX XXXX and they referred me to a fraud/ restoration specialist. Today XX/XX/year>, I spoke to the specialist XXXX XXXX. I informed her of the alert issue and clarified that I never had any accounts with Capital One. In reviewing my account, the specialist also identified two other accounts and a hard inquiry in my name that I did not open/instigate. Together the specialist and I called Capital One 's various departments ( customer service, auto finance, credit cards, applications ) and no one had any information in my name. Nonetheless, as part of the restoration process, I was asked by the specialist to file a dispute with the respective Credit Bureau 's however as it relates to the open accounts with XXXX there is no such information listed with them ( according to several specialists I spoke to ), even though the information was reported as an alert with XXXX. As it relates to the hard inquiry, XXXX would like me to provide a letter from the creditor ( Capital One ) stating it is okay to remove the information. However, Capital One is unable to provide me that letter as I do not have any accounts open with them. I am filing this complaint as a form of protection that I did my due diligence to resolve this matter. Thank you for listening.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to TransUnion result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$73000.00} XXXX XXXX Balance XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX Balance {$1500.00} XXXX XXXX  Date of inquiry XX/XX/2021 Chapter XXXX Bankruptcy XXXX Dismissed Chapter XXXX Bankruptcy XXXX Dismissed Chapter XXXX Bankruptcy XXXX Dismissed Chapter XXXX Bankruptcy XXXX Dismissed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporing Act, Fig Loans Texas LLC 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.

First and foremost, Fig Loans Texas LLC furnished my credit report to the credit bureaus for the purpose of investigating a dispute without my written instuctions which has violated both section 602 A and Section 604 A Section 2.

Furthermore, the dates reported on my credit report are incorrect. I have disputed this information with Fig Loans Texas LLC in an attempt to rectify the incorrect dates appropriately, however, Fig Loans Texas LLC continues to knowingly report false information on my credit report.

Some versions of my credit report depict different account information than other version of my credit report reporting on this same account, a clear and obvious depiction that I C System is reporting incorrect information as Fig Loans Texas LLC, themselves, can not even keep the information straight.

For example, Fig Loans Texas LLC reports account information for XX/XX/90 days late as XXXX on one report and XX/XX/90 days late as XXXX on another report. both can not be correct and Fig Loans Texas LLc has continued to report this false information to the credit bureaus despite my attempts to have Fig Loans Texas LLC remove this account from my credit reports.