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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at ; XXXX XXXX XXXX opened on XX/XX/XXXX with {$5400.00} as closed balance, XXXX XXXX XXXX opened on XX/XX/XXXX with {$2100.00} as closed balance, XXXX XXXX XXXXXXXX XXXX {$2200.00} as closed balance, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX with {$900.00} as closed balance and an Auto-Loan with XXXX XXXX  XXXX with {$86000.00} as closed balance. 

These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported ( ). The aforementioned accounts and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of a police report with report # XXXX and an FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

HORIZON FINANCIAL MANAGEMENT Original Balance  XXXX  Balance  XXXX  Date Opened  XXXX / XXXX / XXXX  Date Reported  XXXX / XXXX / XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX been contacting me since early XXXX I was dealing identity theft since XXXX for card opening and loan was opened by someone that used my ID and name And company refused fix my issues since XXXX Only want me to pay XXXX dollars even if I didnt open account and someone else opened about. With my ID, social security, email and private information I had issues my identity for XXXX years and XXXX XXXX refuse to fix issue only seek damage to credit and money. 

I would like this account removed from credit report since it fraud opened and I was not one who opened this acct XXXX  ladies under names XXXX XXXX, XXXX and XXXX are ones responsible doxxing my info and opening my acts and using my credit cards and personal information without permission including opening cards with my ID and social They obtained my information through XXXX. 
Depsite reporting them to police and federal trades. XXXX XXXX refuses to close matter and remove acct from my credit report and damaging credit only seeking money to fix issue which is wrong. I was told police not to give further information company XXXX XXXX XXXX XXXXXXXX when I received another email of company trying communicate me for dame matter but refuse to fix issue only seek money to fix issue even if this issue was done by identity theft and fraud done by someone else with my information and name. I was told I had a card an loan open but I told them the loan was opened by XXXX XXXX who used info and company refused to close or remove acct from credit report even i told credit bureaus all calls I received after they also asked for my personal I do this horrible company.i would like to state I was sent a email that the acct was closed but they still seeking a balance even if I disputed I shouldn't be paying for fraudulent loan and card opening by someone who posed and impersonated as me using my information from XXXX.
Product: Debt collection

On XX/XX/XXXX I had a car accident, the police called a towing company to pick up the vehicle while I was hospitalized. After a couple of days I filed a claim with my insurance provider. Then I received a letter in the mail by the police as too the where about of my car, and that the police station placed a hold on my car. I went to the towing company to see the car and took some pictures, and tried to release it to the insurance company but they said they could not until the hold was payed off first from the police. I paid of the hold and gave the document to the towing company, which they said they would releases the car to the assessors when they showed up.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I opened a Dispute on XXXX credit reporting agency about an inaccurate report from this company on this account. The company was contacted and alerted that this account was successfully discharged through XXXX XXXX bankruptcy and that it should not still be getting reported to financial services and credit reporting agencies. The dispute was resolved and the company confirmed that the information was accurate in regards to being discharged through XXXX XXXX bankruptcy but failed to delete the reported information. On XX/XX/year>, another dispute was reopened again with the same company in regards to the reporting of information on my credit report that was successfully discharged through XXXX XXXX  bankruptcy. The company again confirmed the information was correct but failed to alert XXXX credit reporting agency to delete the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

( A ) In general- if, after any reinvedtigstion under paragraph ( I ) 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 result of the reinvedtigstiob, and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer. 

Accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries in question : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2018 I purchased a XXXX XXXX XXXX  from XXXX XXXX XXXX   in california  using my USAA XXXX XXXX card for {$1500.00} and {$1500.00} on a XXXX credit card. The vehicle broke down on the way home and I contacted everyone to get it resolved. The dealership told me to basically " XXXX off '' and that it wasnt their problem. I called XXXX and they resolved the issue within 1 business day and I had the money back in my account. USAA has now been " investigating '' this issue since then and still does not have the issue resolved. Every single time I call in there is a mysterious department that no one in USAA can contact who is " investigating '' this and that is all the info they have. At this point I have filed a XXXX claim, sent letters to the beuraus, sent letters to USAA and they refuse to fix this fraudulent charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraud accounts on my report that i did not authorize
Product: Debt collection

On aroundXX/XX/XXXX l returned the XXXX XXXX XXXX   XXXX that l purchase in Texas on XX/XX/XXXX as l was in process of Bankruptcy Chapter XXXX and Prestige approved the auto loan in which they was supposed to wait after my Bankruptcy Chapter XXXX and Judge discharged of XX/XX/XXXX. 
On XX/XX/XXXX l had major mechanical issues with vehicle and l was overcharged on purchase of vehicle and fraud auto purchase and loan with a high interest of 17 %. 
I respectfully requested that Prestige Financial Services pick up vehicle at XXXX XXXX XXXX, XXXX California with their third party vehicle recovery tow and vehicle was recovered with no issues. 
A vehicle inventory inspection was implemented with pictures and video for evidence for Federal government complaints case. 

Vehicle was returned to Prestige with no mechanical issues, etc. 

Since vehicle is returned to Prestige, there should be no Retaliation against me and been placed under collection to recover any remaining balance of {$17000.00} or any other amount after Prestige sells the vehicle in a auction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my Experian report that there is an address showing as mine that I have never used. I went online to try to have this inaccurate information deleted only to find I was denied the right to do so. Now I am getting an error when I attempt to dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello In XXXX I changed mobile phone carriers from XXXX XXXX XXXX to XXXX after being with XXXX XXXX XXXX for 18 years. The offer at the time was to send the phones back to XXXX XXXX XXXX and they would credit your account after you paid your final bill. I sent back two phones via XXXX in the boxes XXXX XXXX XXXX provided and tracked them along with paying the final bill. They were signed for by the receiving department and the matter was closed, at least I thought. 
Three months later I received a bill from XXXX XXXX XXXX for {$1500.00}, In my surprised state I called XXXX XXXX XXXX, they said they never received the phones, I advised they were signed for by the receiving department and they said those people no longer worked there..what????? they all left??? yeah ok ... I was turned over to a collection company and tried to explain it to them the person at the agency said she had heard the same story form alot of the people she was trying to collect from. It was eventually put on my credit report. I was contacted by a class action law firm that asked me to sign on to the suit against XXXX XXXX XXXX for doing the exact same " never received the phones along with gouging sales tax '' so I did. I then called transunion and disputed the case, they were great to work with along with XXXX I won the disputes and the charges were removed but now starts the fun stuff, XXXX XXXX XXXX changes collection companies every 3-4 months and it gets put back on my credit report then I have to dispute it and I win again it gets removed only to get put back on again 3 months later when XXXX XXXX XXXX gets a new collection company. SO there in lies my problem. I called the credit reporting companies and they do not have any way of flagging XXXX XXXX XXXX in the system so it will not go on my report every time they change collection companies, they advised me to contact you for help ... Please help me I am at me whits end and I have no where else to turn. They are controlling my life thru my credit which I have been trying to clean up. Thank you in advance for anything you can do to help me. my number is XXXX XXXX XXXX. 


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

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX 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: Student loan

After waiting and going back and forth with MOHELA for almost XXXX years on the status of my request, I finally received this message recently As a result of this one-time adjustment, our records indicate that MOHELA has received confirmation from Federal Student Aid that your Direct Consolidation Loan disbursed on XX/XX/year>, met the number of qualifying payments necessary to receive forgiveness, effective its date of disbursement of XX/XX/year>. This posed to your account on XX/XX/year>. Please note that the effective date of forgiveness can not be earlier than the date of a loans disbursement. You are eligible for a refund of any payments applied to a loan after its effective date of forgiveness. As no payments were applied to your loan after its effective date of forgiveness of XX/XX/year>, you are not due any refunds. You can view the details of your remaining Direct Parent PLUS Loans through your MOHELA web account. If you have any other questions or concerns, please dont hesitate to contact a member of our Customer Advocacy Team at XXXX from XXXX to XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX, or XXXX to XXXX XXXX XXXX XXXX, Central Standard Time. You can also visit XXXX. Sincerely, MOHELA I want to know if the IDR adjustment will be applied to ALL of my loans as stated in the rules??? I have loans before the consolidation that occurred in XXXX of XXXX!
Product: Credit reporting or other personal consumer reports

I XXXX XXXX recently pulled my credit report and noticed an account youre reporting, The status states, Account charged off. {$690.00} written off. {$690.00} past due of XXXX XXXX. Date Opened XXXX. 

For this charged-off/written-off account, I never received a 1099-C ( Cancellation of debt ) form or a debt validation letter. Please send me a 1099-C form and a debt validation letter to the address you have on file, email me a copy, and permanently remove this account from my credit report.

FCRA 1681 ( e ) ( b ) and 15 U.S.C 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the XXXX Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$18000.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXXL XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$380.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$850.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$620.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$580.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$740.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX  XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I canceled my Coinbase membership after my free trial but I have been consistently charged monthly. I re-canceled after coinbase took no action. So far the 've charged me more than 6 times a {$34.00} monthly fee. I emailed support @ coinbase.com asking to get a refund of all the monthly charges. I got crickets. Also, I have tried to collect the dollars in my account and some are still pending... The part I received took XXXX the time they advertised. That is Weeks!! and not days. I have a few XXXX dollars still sitting on their system, and no return. It is absurd.
Product: Payday loan, title loan, or personal loan

My interest rate is more than what I can afford.
Product: Debt collection

Request for Debt Validation Dear XXXX  XXXX  XXXX, I am writing to formally request validation of the debt that you have reported to me. This communication is being sent under the Fair Debt Collection Practices Act ( FDCPA ) and my right to request verification of the debt. 

Please provide me with the following information : 1. The amount of the debt.

2. The name and address of the original creditor with proof of the original agreement with my signature on it.

3. A detailed statement that outlines the charges and fees leading to the current amount owed including payment history.

4. Documentation that shows you are authorized to collect on this debt including date that this debt was obtained.

5. Any judgments or legal actions taken against me regarding this debt. 

Please note that until I receive this verification, I will consider this debt invalid. Additionally, I request that you cease all collection activities until this debt has been validated. 

Please send your response to the address listed above. I appreciate your prompt attention to this matter. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXXXXXXXXXX XXXX account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # 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
Product: Student loan

My loans ( subsidized and unsubsidized XXXX XXXX ) have been consolidated since XXXX XXXX, XXXX. My servicer is Navient. I have called them several times over the years to make sure the payment plan would qualify for PSLF after 10 years and 120 consecutive on-time payments. I received my third confirmation yesterday XXXX/XXXX/XXXX from XXXX at Navient. After researching more and calling XXXX I was told that my payment plan of Standard Extended 30 years does not qualify. That I would need to change my plan. I have been working XXXX with the hopes of utilizing this great benefit. However, now I am being told that I need to change my plan and start the process all over again and restart my ticker to count towards 10 years. I started and pursued my career as an XXXX with the hopes of using this program. I have had three separate conversations with Navient and all confirming that I was on the " right plan ''. There needs to be clarity and resolution for their actions. I have been misguided even though I have done my due diligence as the borrower. Navient should be held responsible and accountability taken on upon them. Now, I am in a situation where I will need to restart this process. Guidance and resolution is what I seek for this misfortunate situation. As a borrower, calling your servicer is critical, but there is only so much one can do but trust them when they have confirmed time and time again that I am on the right path.
Product: Debt collection

They have contacted me numerous times. The first time I advised them to send verification of debt to the address they have on file and not to contact me again until I receive this. I was told they werent going to send me anything without me fully verifying my information which I shouldnt have to do if they are calling me. She hung up on me. I got another call same thing and hung up on. And I have been receiving calls since which is harassment since they wont send me what I need. Got another call XX/XX/2024 this time I verified my name but she wouldnt give me any information and just said its a business matter so I told her I need verification sent to address on file. She said not until you verify your address and I said no send to address on file and she hung up. I dont want to keep getting harassed when they are refusing to give me what I need. I dont even know whats it for.
Product: Credit reporting or other personal consumer reports

This is NOT a fraud complaint. Do NOT place a fraud alert in my credit file. 

I have challenged the reporting of a bankruptcy on my credit report 8 separate times on XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I demanded each and every document that they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not in compliance with the law. This must be done in Metro 2 Format reporting.

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the bankruptcy, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act.

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation.

I demand the bankruptcy be properly verified with physical documentation and in Metro 2 Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Cash App did not take timely and effective measure to prevent and address this fraud on their platform, leaving my account unprotected. Their dispute process does not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused severe financial loss and I seek the appropriate actions for these violations.
Product: Credit reporting or other personal consumer reports

LVNV FUNDING LLC {$510.00} {$550.00} {$560.00} I sent letters requesting validation of debt. These are not my debs. i sent the letters to XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX XXXX XXXX ) I sent the letters XXXX XXXX
Product: Debt collection

I was contacted by a lady name XXXX XXXX from XXXX XXXX XXXX ( A XXXX XXXX XXXX ) about an alleged account ( credit card debt ) that is in my name with XXXX. The account was opened in XXXX she said and that I was the account holder so I am liable for the debt because the account holder ( which is allegedly me ) stopped making payments in XXXX. First o explained to her that account does not belong to me, then it turned out that I was added by my dad as an authorized signer, but I was not the primary holder. Then XXXX XXXX checked on the account were she verified that I was an authorized holder but she remained reiterated that I am held responsible financialy for the account were I am not the account holder, my Dad is which he passed away last year. 
She contined to say that she is sending a complaint to the police department stating that i am attempting to defraud a financial institution, which ironically that account is with XXXX XXXX XXXX and I work for XXXX XXXX XXXX where nothing showes under my name unpaid. 
please let me know how I can move forward with this. 

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

This debt was incurred due to fraudulent charges, which according to XXXX XXXX XXXXXXXX XXXX policy I am not liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I have sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. It has been over 30 days they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.