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

This company is still reporting an opened account on my credit report and I do not have an account with this company at all. I had an account years ago that was paid in full years ago and I never opened another account with them again. After my account was paid in full, I never opened another account but they reopened an account and put it on my credit out of the blue this year. It shows a XXXX balance and opened in XXXX of 2023, which I did not open another account after I closed the 1st and only account I had years ago. They have done nothing to resolve the problem after I have contacted them. I want to press charges and file suit very soon.
Product: Credit reporting or other personal consumer reports

Upon examining my credit report, I found inaccuracies in some of the information provided. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus are required to verify these items. Failing to validate this reported items within the legal timeframe without providing evidence is not permitted. The following items listed on my credit report require investigation and correction due to inaccurate reporting : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$810000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$920.00} XXXX XXXX XXXX  XXXX Balance : {$810000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX XXXX Balance XXXX {$41000.00} XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX Balance XXXX {$920.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$810000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$41000.00} XXXX XXXX Balance : {$0.00} XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

# 2 These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

# 3 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt ( Remove all 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

These people have contacted me a second time with no line item invoice which will be required. 

There was a charity account that they should have been paid out of at XXXX XXXX assuming that this is actually from XXXX XXXX. They were notified and I will attach the letter again. 

AT NO TIME DID I VISIT XXXXXXXX XXXX XXXX Everything was done AT THE HOSPITAL Without an accurate invoice and proof of an attempt to collect from the Charity This is a dead issue. 

I am sick to death of medical industry thieves trying to collect double and triple fees and threatening me. 

Show me that they contac5ted the people that said this was covered. 

Again I will state that an itemized invoice is required.
Product: Debt collection

Government shutdown responses via the following two websites are allowing Federal Student Aid, FTC, US Department of Education, XXXX, and various collection agencies to sidestep their fraud. Reliant Capital Solutions , LLC and various other collection agencies tampered with an original letter issued by US Department of Education and promissory notes in effort to gain monetarily in an illegal manner. Individuals took records out of a XX/XX/XXXX Bankruptcy proceeding and abused it.

XXXX XXXX XXXX ( trustee ) was contacted in XX/XX/XXXX regarding the Bankruptcy records on this issue. The complainant was told that the record had been gone for many years ; thus, even more reason to believe that collection agencies and US Department of Education and their affiliated collection agencies - whom remain unresponsive ; are intentionally causing financial damage to cover up their identity theft and fraud.

Collection agencies can not make decisions on their own on student loan debts and neither can US Department of Education. There is no such thing as an informal review when tax refund offset is involved, it is a financial process. We do not have wage garnishment related to student loans in this country. You can't even do what you are doing without notifying students.
Product: Credit reporting, credit repair services, or other personal consumer reports

My report 's list of a personal information was inaccurate. I sent it to credit bureau, asking to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Re : This serves as my official notification to you, or any company ( ies ), concerned that I here now litigate the reportability of your claim ( s ) until it's decisive that privilege to report was executed adequately and in a proven and authenticated certifiable compliant manner, even to the mandates in accordance with the CDIA required XXXX described Metro 2 data-filled field formatted reporting standards, of which there can be no deviation for retaining of that aforementioned assumed privilege to report any claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Acct # 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 with out my written instruction.
Product: Debt collection

In the year 2019 I had this company open a report stating I owed them XXXX and some change. My credit was rising but when they jumped on my credit since 2019 they have tore my credit down for something that is not my legal responsibility. If this does not get them off my credit my next step will be to hire an attorney. This has been affecting me for 3 years now cost me from buying me n my kids a home
Product: Checking or savings account

XXXX is refusing to return my money of {$850.00} for wire transfer on XX/XX/2022. They said that the fund had been transfered to another platform. 

XXXX complaint number is in the attachment. Complaint # : Reply ] XXXX # XXXX - Complaint # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Confirmation of Account Removal Dear XXXX, I am writing to confirm the removal of the following account from my credit report due to errors and inaccuracies : - **Account Name : ** XXXX XXXX  XXXX - **Account Number : ** XXXX - **Date of Removal : ** Between XX/XX/XXXX, and XX/XX/XXXX Details of the account are as follows : - **Original Creditor : ** XXXX XXXX XXXX Attorney XXXX **Account Type : ** Individual account - **Date Opened : ** XX/XX/XXXX - **Status : ** Open, 120 days past due - **Balance : ** {$46000.00} ( as of XX/XX/XXXX ) - **Paid Off : ** {$0.00} - **Monthly Payment : ** Not specified - **Past Due Amount : ** Not specified - **Original Balance : ** {$45000.00} - **Terms : ** Not specified - **Responsibility : ** Individual account I appreciate your assistance in this matter and request a confirmation of the account removal. Please send me an updated copy of my credit report reflecting this change. 

If you require any further information or documentation, please contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

This is my second wire transfer gone missing with Coinbase , Inc . 
Case # : XXXX Ref : XXXX Date of transfer : XX/XX/18 Amount of transfer : {$3000.00} Sender bank : XXXX XXXX XXXX Sender full legal name : XXXX XXXX Bank Account No. : XXXX   Routing No. : XXXX IMAD ( alpha-numeric federal trace ID ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint addressed the XXXX XXXX XXXX to request the complete removal of the fraudulent information frommy Credit report. I have been sending countless letters requesting that the XXXX XXXX remove the fraudulent items from my Credit Report and yet they have done nothing. Under rthe FCRA section 605b, the Credit Bureaus are required to remove any account and information that resulted due to identity theft. And provide copies of documents to serve as proof of verification wo support the Credit Bureaus claims that the items beling under my name. But despite all the lettets I have sent, the Credit Bureaus have not done nay of the actions. I am now submitting this CFPB complaint to inform the Credit Bureaus that if they do not comply with the Request and continue reporting without sending me copies of documents as proof of verification, please understand I will initiate legal action. I need the folowing items deleted as soon as possible : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA92552-8288 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$1000.00}
Product: Credit reporting or other personal consumer reports

I noticed an unauthorized hard inquiry on my credit report from a company called Onemain Financial.
Product: Money transfer, virtual currency, or money service

In the last week of XX/XX/XXXX, I began submitting multiple loan requests through the SoLo Funds platform, none of which received funding offers. On XX/XX/XXXX, I deposited {$20.00} into my SoLo Funds account, aiming to enhance the likelihood of my loan requests being funded. Despite this, my subsequent loan requests remained unfunded. Notably, during the deposit process, there was no disclaimer indicating potential difficulties in withdrawing funds. 

On XX/XX/XXXX, I attempted to withdraw my {$20.00} and close my account. The app displayed an error message stating that I needed to have a loan funded or become a lender before withdrawing funds. This restriction was not disclosed during the deposit process and appears to be an arbitrary limitation within the app. In response, I switched to lender mode and attempted to fund a {$20.00} loan, but no such loans were available. 

I contacted SoLo Funds ' customer service on XX/XX/XXXX, but did not receive a response over the weekend and subsequent banking holiday. On XX/XX/XXXX, I was finally able to speak with an agent who advised me to submit another loan request, despite my previous explanations of being unable to do so due to app restrictions. I requested to speak with a supervisor multiple times but was ignored and told the issue would be escalated. As a former supervisor for a technical and customer support firm, I am very familiar with operating procedures and am concerned about the outcome, especially considering the complaints against the company. 

**Supporting Information : ** - Date of initial loan requests : Last week of XX/XX/XXXX - Date of {$20.00} deposit : XX/XX/XXXX - Date of withdrawal attempt and error message received : XX/XX/XXXX - Date of initial contact with customer service : XX/XX/XXXX - Date of follow-up contact with customer service : XX/XX/XXXX I have documented all communications with SoLo Funds and can provide additional information upon request.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the late opening of accounts with your company. As a valued customer, I have always appreciated the quality of service and products provided by Credit Bureaus, but recent delays in account processing have been significantly inconvenient and frustrating. 

I submitted applications to open accounts with your company, providing all required documentation and fulfilling necessary formalities promptly. However, to my dismay, I have yet to receive confirmation of the account openings, despite the considerable time that has passed since my initial submission. 

These delays have not only disrupted my operations but have also caused financial implications for my business. I rely on timely access to accounts with your company to facilitate smooth transactions and maintain a healthy business relationship. The prolonged processing time is unacceptable and has tarnished my perception of your company 's reliability and efficiency. 

I urge you to address this matter with the utmost urgency and expedite the processing of my account openings. Prompt action to rectify this situation will demonstrate your commitment to customer satisfaction and help restore my confidence in your services. 

Please provide me with a concrete timeline for the completion of this process and any necessary steps I can take to expedite the resolution. Additionally, I would appreciate regular updates on the status of my account openings until they are finalized. 

Thank you for your attention to this matter. I trust that you will take the necessary steps to resolve this issue promptly and prevent similar occurrences in the future. Should you require any further information or clarification, please do not hesitate to contact me. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$23000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$3400.00}.
Product: Debt collection

A company called MBA Law Offices/ XXXX placed an unknown collection on my credit report. I Received an alert on the credit monitoring system that my score decreased 43 points for a new account. I have received no notification via mail or phone from this company. I have no knowledge of any past due debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies. 

. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft AMEX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

The reason I am emailing you is because I wanted to ask you some questions or maybe you know someone that can assist me. In XXXX my husband and I took out a loan with one main financial, not knowing the torment that would follow. Now normally I dealt with a lovely women named XXXX XXXX ; whom when I began having income issues due to being out of work because of injuries i got at work, tried to assist me as best as she could. Unfortunately XXXX no longer works there and although they are fully aware of my financial burden they continue to harass me. Calling all day long, threatening me, bullying me, they even have began to call my husband 's job on nivember XXXX, XXXX speaking to unauthorized personnel and faxing papers to them. The person the fax is addressed to is for one not human resources and two not authorized to release my husband 's information. They also called and spoke to this person asking all kinds of questions. I spoke to XXXX whos last name i have been refused and also sent the faxesand informed him he was not to contact my husband 's place of business prior to this. I have had multiple issues with this gentleman, in the end of XXXX the XXXX i believe he called me and stated that if I paid them I believe {$56.00} that he would lower my payments to XXXX $ a month. Now XXXX XXXX, XXXX he called demanding I pay him XXXX $ but they 'll settle for XXXX. When I told him that is not what he told me he began arguing that this is not how it works. I must pay what i owe or hes going to call his lawyer and garnish my hudbands pay, etc. Changing everything he told me and i pointed out that if i knew this was going to happen i wouldnt have allowed him to take that extra money, that I did not have. I was reduced to tears explaining that I can barely feed my family and the amount he is asking for is too high I can pay partial payments but I ca n't afford that amount. I now have my second eviction notice arriving. That is when the threats began and now I do n't know what to do. I also told him I can not currently get a job because I 'm XXXX and due in a few months but once I 'm working I would resume normal payments. I ca n't sleep and I listen all day for a tow truck to take our only means of transportation ( they are not our auto loan carries but that is one of the threats he has told me ) Or I wait for my husband to come home and tell me he got fired due to their harassments. I had to borrow money from his job just to give them the XXXX until i get money from unemployment so he wouldnt harass me that weekendand now I ca n't even feed my family.He also had the audacity after I paid him to say enjoy your XXXX in a smart way knowing he just put me through XXXX. The harassment then resumed on Tuesday XXXX XXXX, XXXX and they have not stopped calling.
Product: Credit reporting or other personal consumer reports

The following personal information is reporting incorrectly on my credit report. Please update my credit file to reflect the proper spelling and data as I have indicated above. 
Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX, CA XXXX.
Product: Debt collection

THE DEBT WAS INCLUDED IN A CHAPTER XXXX FILED ON XXXX XXXX 2016 FILIE NUMBER XXXX. THE CREDITOR WILL NOT UPDATE THE CREDIT REPORT TO REFLECT ACCOUNT TO BE INCLUDED IN A CHAPTER XXXX AND CONTINUES TO TRY AND COLLECT ON THE DEBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX, I was the victim of identity theft. Someone used my Social Security Number and tried to open a XXXX XXXX credit card and a XXXX credit card. The accounts were denied and I received a letter from both companies stating what had happened. But, they are now on my credit report as " hard inquiries '' which they say could be on my report for at least two years. I plan to purchase a house in XXXX and I would like to have the best credit score as possible and this is severely impacting my Equifax score. I had no control over this situation, so I am hoping this could easily and quickly be removed. Thank you!
Product: Credit reporting or other personal consumer reports

It seems that FCRA 605B mandates the removal of any erroneous accounts from my credit report. Can you check the documents? There are discrepancies in the reported accounts, such as incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attn : Consumer reporting agency To whom may be concern, I XXXX XXXX XXXX consumer and natural person who is a victim of identity theft. Transunion, XXXX, and XXXX had used and furnished my consumer report without my authorization consent or written instruction. My information was shared to nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that consumer has rights to privacy which XXXX, Transunion, and XXXX has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentially of my personal information. The fair credit reporting act was intended to insure that consumers reporting agencies exercise their grave responsibility with famines and respect to the consumer right of privacy! Under the Gramm Leach Bliley Act of 1999. I enclose all documents social, ID and statement.