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

Upon checking my credit report, I discovered someone used my information to obtain medical care and get credit cards. Ive sent 605b letters to both XXXX  & Experian with no response. Ive requested all fraudulent accounts be blocked from my credit file and the ftc report and request went ignored. Which is all a violation of the FCRA. The following accounts are fraudulent. 
1. XXXX XXXX XXXX ( XXXX  XXXX XXXX  ) {$920.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 
2. XXXX XXXX ( XXXX XXXX ) {$560.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 
3. XXXX XXXX ( XXXX XXXX XXXX ) {$2400.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 
4. XXXX ( XXXX  XXXX ) {$67.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 
5. XXXX ( XXXX XXXX ) {$420.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 

There is also a number of fraudulent inquiries on my report, I tried calling and send proof. With no help. 
Please see attached FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the fraudulent items on my file had never been deleted, I want you to help me remove these items such as inaccurate. It is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its not my intention to not pursue any legal action so please adhere to the law. Delete these following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im entitled to complete and accurate reporting. Credit reporting agency continues to update account after multiple request for deletion. Did not provide me proof or documentation for ignoring my request. 

15 USC 1681i - incomplete information on report as shown in document attached.

Under section 609 of the FCRA, a consumer reporting agency must, upon a consumer 's request, disclose to the consumer information in the consumer 's file.

Proper investigation as stated in " 15 usc 1681e '' was not followed. No proof provided.
Product: Credit reporting or other personal consumer reports

Dear CFPB, XXXX, XXXX and Experian all allegedly claim that they have gone through a thorough investigation on my dispute. My dispute have nothing to do with anything being allegedly accurate .My dispute is that these three companies are forging my signature and publishing my personal information without my written signature.I have never agreed for these companies or for XXXX XXXX and Experian to be doing business upon my name with each other .This is fraud between everyone and i would like for everything to be removed ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I have applied for a Secured Credit Card with First Progress. 
Applications are only received online at https : //www.firstprogress.com. 
During my application process, I was asked for my debit card and authorized a deposit of {$2000.00} to be applied to my future First Progress secured credit card. 
While performing the online steps in this application, I got logged out. 
When trying to request the status of my application, nothing is shown in the browser. 
Customer service say that they can not find my application in their system and can not transfer to anyone that knows where my deposit is. 
Web application status check results in a blank screen... 
For two days I've been trying to solve this myself, but had no success. 
I didn't get any receipt or email confirmation for the deposit and the money is now gone from my debit card. 
Attached screenshot is of the charge on my account in total of XXXX MDL ( an equivalent of 2000 USD ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/2020 XXXXXXXX XXXX-Date of inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

Last night on XX/XX/XXXX there's notified by XXXX of my banks and by XXXX XXXX that a hard inquiry had been done by a company named XXXX XXXX better known as XXXX on my TransUnion credit report. I have been monitoring my credit like a hawk over the last XXXX months doing everything I can to salvage and repair my credit from identity theft, fraud, and various other issues. I know by law if I dispute something I can have it removed through TransUnion yet they chose not to and they said they could not do it which I know is a lie. I first called the credit card company XXXX XXXX and ask them to remove it and they told me they wouldn't then I asked for my application I asked to have the application that was done to be returned and retracted and they said no. Under 15 United States code 1581 B permissible purposes if I have not given express written permission to transunion to furnish private data on my credit report that is considered fraud and I must enforce it and I am right now. Under 15 United States code 1681E compliance procedures I know by law that they have to either adjust or remove the inaccury on my credit and they have refused to do it. I just got off the phone with Transunion I was given a confirmation number of XXXX of the phone call that I made asking them to remove it because I did not authorize it. They refused and that is also a violation to not even do investigation when I ask for it. 15 United States code 1681N stays at any inaccurate information on my credit report is a violation and it's liable and a penalty of up to {$1000.00} this is the third time they have allowed this company to put a hard inquiry on my report I've had it removed XXXX other times and here we go again. To remedy the situation I want this removed I want a copy of my adjusted credit report stating that this has been removed and I would like to be compensated for my personal injuries because of this act. I do not appreciate these credit reporting agencies being arrogant and not upholding the law That's also willful negligence right there which needs to be dealt with these places can not keep breaking the law and getting away with it they need to be upheld to a higher standard since they're holding such valuable information on consumers and accept nothing less than the remedies I just stated, removal and updated credit report and compensation I will not accept anything less than that.
Product: Debt collection

On XX/XX/2021, I received a SETTLEMENT OFFER from ARS ( HRRG, LLC ) that included the option to settle a balance of {$1800.00} for a one-time payment of {$910.00}. I was not interested in paying it because I did not believe the debt was mine. IF it was a medical debt, Id always had insurance ; therefore, my insurance company shouldve been billed. Please provide the name and address of the original creditor. Also, this debt was reported to the credit bureaus and negatively affected my credit/credit score. Provide verification of this debt because I wholeheartedly dispute its validity.
Product: Credit card

According to my credit report someone opened a credit card at Ulta Beauty with my information on XX/XX/year>. They spent {$640.00} on this account. It is now affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohl 's is reporting a balance of {$280.00} on an account that I settled with them in XX/XX/2012. I agreed to pay {$170.00} as settlement in full for this account in XX/XX/2012 and Kohl 's accepted this amount. However, I now find that they are still reporting a balance. It is my belief that Kohl 's failed to write off the amount of the debt that was forgiven in settlement. I have requested, under the Fair Credit Billing Act and other federal laws, detailed financial information directly from Kohl 's documenting that balance and payments made, but Kohl 's has stated that they can not provide that information. The reporting of this balance and delinquencies from XX/XX/2012 to now, are causing me difficulty in obtaining necessary financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I submitted a letter disputing my personal information as there was inaccurate information being displayed on my credit report. They never corrected the problem or responded. I sent another letter on XX/XX/21 for the same issue. They have made no changes despite my multiple requests. Due to the fact that identity theft is at an all time high, it is important that these variations of my name, address and place of employment are removed and my personal information is displayed correctly. My information was also impacted by the XXXX Data Breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$30000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA is reporting an open account with all three credit bureaus that is closed. This is hurting my credit score and I am unable to obtain a mortgage loan. This account was opened after I filed a complaint with Consumer Financial Protection Board.
I feel this was retaliation. Retaliation is the action of harming someone because they have harmed oneself ; revenge.
Product: Checking or savings account

I have a checking acount with Moneylion ( XXXX XXXX ) that I used to receive my direct deposit for my unemployment benefits. I was unemployed and this was my only source of income. Moneylion garnished my account and took my entire unemployment deposit. They claim that I owed them money for past debt. My account balance was {$0.00} before the deposit was made. They garnished the entire {$500.00} payment. I asked for a manager to call me multiple times and was never contacted. I was only able to speak with regular customer service. 

Each time I spoke with them, I explained that Unemployment Benefits were protected by Federal Law and exempt from being garnished in this situation. I had put this in writing to them in an email as well. They would not consider this and refused to give me back my unemployment funds leaving my account balance {$0.00}. 


Complaint reference number : # XXXX
Product: Student loan

Me and my husband applied for loans on  XXXX   XXXX  with Climb  Credit . They approved me and had me co-sign on his loan for approval.We started at our   XXXX   XXXX   XXXX     XXXX   XXXX  on  XXXX , and right away we knew they did not live by their motto. They said they would be with us every step of the way. We contacted Climb to ask about switching schools, switching classes, starting over etc ... any possibilities because we left our jobs and took out  XXXX  in loans. They said they would get back to us the next day ... we never heard back from them. we sent a couple emails out asking about the possibilities and never heard anything until  XXXX   XXXX  when an email was received that we had been withdrawn. we immediately called and no one could help right away. The fact is we never withdrew ... We never signed any papers stating we wanted to withdraw .... They never spoke with me..EVER ... they took a payment that should not have been withdrawn from our bank account.  XXXX   XXXX  said they initiated the withdrawal until we mentioned CFPB and attorney and they quickly stated Climb initiated it. We are filing a separate order against  XXXX   XXXX . They lied and said because of attendance. We missed 2 days at the time they initiated the withdrawal. We left our jobs, we have lost wages, maxed our credit cards so we can try to maintain our dream of schooling, and now we are expected to pay Climb back for the portion  Climb  took out of the loan .... No one has ever heard of a school withdrawing anyone on someone else 's word. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

My report shows a hard inquiry from 2016 from XXXX. I spoke with the bank and they show nothing and I did not give any one permission. I also have not applied for credit with anyone and now it just showed up on my credit report from 2016 and I checked just 2 weeks and it did not show at that time. My credit had come up some and now it has dropped my score some. 
I want this handled ASAP.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX  XXXX bankruptcy dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Bankruptcy XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Bankruptcy XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Mortgage

More information just came in today XX/XX/2021 about this matter. See attached. I mentioned in my last report that they are delaying posting my payments and marking them as " Late '' though I make them within the grace period around the time my Social Security payment comes in. Here is proof positive that they are playing games with me. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX IS REPORTING MY ACCOUNT INCORRECTLY. THE ACCOUNT OPENED IN XXXX AND THE BALANCE REPORTED ( {$XXXX} ) IS WRONG. I HAD A XXXX BALANCE AT THE TIME IN XXXX AND DID NOT EXCEED THE CREDIT LINE OF {$XXXX}. THE INCORRECT REPORTING REDUCED MY CREDIT SCORE XXXX POINTS. 

REQUESTING XXXX  XXXX TO FIX THE DETAILS IMMEDIATELY ON MY XXXX AND EQUIFAX REPORTS
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the unresolved fraudulent account associated with my name and Social Security number, despite my repeated efforts to address this issue. 

Recently, TD Bank was found guilty of money laundering {$3.00} XXXX, raising serious concerns about the integrity of accounts linked to their services. I have submitted a fraud affidavit, which includes the Social Security number, name, and date of birth of the individual who opened the account fraudulently in XXXX. 

Additionally, I have faxed 11 police reports related to domestic violence and identity theft incidents from XXXX to XXXX. I have provided this documentation to Targets fraud investigation department at XXXX, along with an identity theft report specifically for this account. 

Despite contacting and speaking with the fraud department XXXX times, as well as filing XXXX complaints/disputes through the Consumer Financial Protection Bureau XXXX CFPB ), XXXX has yet to remove this fraudulent account from my credit report. The last payment on this account was made in XX/XX/XXXX, nearly XXXX years ago. 

Given these circumstances, I request immediate action to rectify this situation. Please confirm the receipt of this complaint and provide an update on the status of my case.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under XXXX5 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Checking or savings account

I changed my address online on Monday. I was informed I could no longer access my account. I called to see what was going on and was told I had to send in documents to verify my identity. I sent my ID with my picture and a screenshot of my heating account with my name, address and account number. I talked to the rep while I did this. I move into my new apt on the XXXX of XXXX and there is no way I will have a bill before XXXX. I sent them what they had and described that to the agent. Ask for the call records I got an email saying I could log into my account and once I did that I was once again told it was locked. I called on Friday the 1st. The first time I was told they didn't know why. The second time I was told it was because security couldn't open an attachment. They all had the same file extension so if they could open one they can open all. They won't let you talk to a manager. I have tried.

Attached are there documents sent.
Product: Payday loan, title loan, or personal loan

I apply for a loan online and for the amount of {$1700.00} ; but i called them back and i told them i did not need the loan any more ; and then i told them to please delete my information specially my social security but they said they had to leave my information on fil e for 7yrs. I tol d them i was not happy and i ask them over and over to delete my information and they declined to do so claiming it was a policy. Nevertheless at the time of my application i did not see that policy any were, regardless now they are stating that the federal and state laws require them to keep account information. I did not proceed with the loan process therefor I should not have an account. All I did was just apply and cancel before the process was finalized. In fact I did not even send the documents required. I strongly disagree with there need to keep my information for 7 years. I need some assistance in getting this resolved.. Thank you!
Product: Debt collection

A collection on my credit that I know nothing about it was taken off of XXXX and XXXX but still on XXXX and I have no idea of the collection thanks
Product: Mortgage

My mortgage company, RP Funding has published my XXXX 1098 Form with incorrect information. This form states that they paid XXXX County, FL {$8100.00} for XXXX Property Taxes, when in fact the amount due and actually paid was {$7800.00}. The XXXX County, FL Finance Director confirmed to me that they had received only one payment for my property, on XX/XX/XXXX in the amount of {$7800.00}. I originally notified RP Funding of this error on XX/XX/XXXX which would have provided enough time for them to correct their error with my escrow account and issue a correct XXXX Form 1098. They have not responded to my request concerning the incorrect 1098 form. 

Their error and unwillingness to correct their mistake in a timely fashion is causing me to delay filing my XXXX Federal and State Income Taxes. 

I've attached copies of my original written notice to RP Funding dated XX/XX/XXXX, the receipt for payment of Taxes from XXXX County, FL showing a payment date of XX/XX/XXXX and the incorrect Form 1098 that RP Funding has published and provided to me on XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrong doing. 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX