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

XXXX XXXX account number XXXX XXXX accordance with the Fair Credit Reporting act 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

XXXX  XXXX XXXX ( from here on Climb ) has unfairly increased the principal of my student debt by {$3900.00}. They acknowledge that it is a mistake that occurred on XX/XX/XXXX, but they havent solve it. Meanwhile, everyday I accrue interest on the wrong principal. 


I took a loan with Climb for {$15000.00} disbursed on XX/XX/XXXX. This money was disbursed directly to XXXX XXXX to pay for the software development bootcamp offered by that institution. On XX/XX/XXXXXXXX  XXXX XXXX paid Climb {$3900.00}. This reimbursement was made by XXXX XXXX because it closed its on-site bootcamp and the students affected were reimbursed part or whole of the tuition depending on whether they accepted or declined the online option. I accepted the online option and I was partially reimbursed. 


On XX/XX/XXXXXXXX  I checked my online Climb account and I found that the money paid by XXXX XXXX had been reversed. Meaning the negative number that lowered the principal by {$3900.00} had been offset by a positive number of the same magnitude marked with the word Reversal. 


On XX/XX/XXXXXXXX  I made a call to XXXX XXXX XXXX which is the number published on the Climb website. They told me that the reversal occurred on XX/XX/XXXXXXXX  but they did not tell me why. They also couldnt tell me why I hadnt been informed or when the problem was going to get solved. They only said that they were sorry, that an error had occurred, that they were investigating and that they would contact me once they had an update. Since then I have made several calls and written multiple emails to Climb and I always get the same response : They are sorry and they will contact me when the issue is solved. Today I checked again the account and the Reversal is still there. 


I want to highlight that the problem is not only that the principal is higher than it should be, but that the interest is being accrued incorrectly EVERY day. 


I have exhausted all the channels provided by Climb but they havent reversed the error. Any advice on what to do would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX continue to report incorrect information on my consumer report that is not correct. There are several inquiries on my report that I did not authorize and should be immediately deleted. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX OF XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXs XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion
Product: Credit card or prepaid card

On Citibank card, I made a dispute and then reversed it. However, the merchant claims that they were not paid. I spent two months going back and forth with the Citibank Trans Fraud asking them to trace where the money was sent. Only information the Citibank can provide me is the reference number that I can supply to the merchant, which is not sufficient information to trace where the money is. 

After 6 weeks of goose chase run around on phone calls, I made a visit to the Citibank. 
One of the bankers helped me to escalate the issue with the executive office. During the process of communicating with the executive office, one of the specialists said the money was sent to XXXX XXXX. However, the merchant claims that they bank with XXXX XXXX XXXX and they have no affiliations with XXXX XXXX. The executive office promised me that they will resolve the investigation within two weeks. 
It has been three weeks and the executive office has been ignoring my phone calls.
Product: Credit card

On XX/XX/2017 a fraudulent charge was made on my card with Kohl 's for XXXX. After numerous attempts to contact the fraud department to report the charge there is still a remaining balance of {$74.00}, even after returning all the boxes back to the Kohl 's store that were shipped to my home address. There were approximately 11 large boxes of XXXX ordered fraudulently. I 've requested to close my account yet the account still shows a balance. I have not received anything but the runaround from the Kohl 's representatives and need assistance with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors 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 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, remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Consumer name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX and XXXX XXXX XXXX : XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report, Ive attached a list of hard inquires in question as well as a copay of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, 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, collections, and hard inquiries are the results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

DATE : XX/XX/year> RE : REQUEST FOR REMOVAL OF INACCURATE COLLECTIONS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN CHARGED OFF ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. 

I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. BELOW ARE THE DETAILS OF THE INACCURATE ACCOUNT : XXXX XXXX XXXX XXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : XXXX. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION. 

XXXX. REMOVAL OF INACCURATE LATE PAYMENTS : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY. 

XXXX. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE 30-DAY TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED.

PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY.

IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

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

This account has been closed and charged off with the original bank and I do not have a signed contract with Midland Funding or XXXX XXXX XXXX nor have I done business with Midland Funding or XXXX XXXX Systems. I have a right to demand a signed copy of such contract between Midland Funding/ XXXX and myself.
Product: Debt collection

National credit adjusters after giving then police reports and ftc identify theft report put a collection on my XXXX  report that legally needs to be removed.this is illegally on my XXXX credit report. My ss # is XXXX.I have given proof of this to my attorney who has taken several companies to court on my behalf
Product: Debt collection

The debt collector contacted me via a letter indicating I owed a debt to their client. I sent correspondence in writing indicating I have no contract with their client, XXXX XXXX XXXX. I requested a copy of the contract with XXXX XXXX XXXX. They sent me a copy of a contract with XXXX, XXXX, an organization I previously had a contract with that went out of business. I wrote back indicating the contract they sent me was not with their client and included a copy of the contract they sent me. I heard no response and never received a copy of a contract I signed with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. My name is XXXX XXXX, a federally protected consumer. I am writing to inform you that I have recently discovered that I am a victim of identity theft. After returning from a XXXX in XXXX with my wife, I was shocked to find that my credit has been severely compromised. The past seven years have been spent abroad, making it unnecessary for me to utilize American banks. However, upon returning and checking my credit report, I discovered various fraudulent activities, including unauthorized addresses, a different social security number attached to my consumer report, and unfamiliar names. 

I am deeply concerned about the impact this identity theft has had on my creditworthiness, particularly as it is hindering my ability to provide a stable home for my family. We are currently unable to purchase a house due to the presence of these fraudulent accounts on my credit report. 

To support my claim, I have attached a copy of the police report and the identity theft report, both of which detail the fraudulent activities I have encountered. I kindly request that you thoroughly investigate the matter and take immediate action to remove all fraudulent information from my credit report within four business days. 

Below is a list of the fraudulent accounts that need to be addressed : XXXX. XXXX - Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXXXXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  - Account Number : XXXX XXXX. XXXX XXXX, XXXX. - Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX & XXXX Additionally, I would like to bring to your attention the following fraudulent address and social security number associated with my consumer report : Fraud Address : XXXX XXXX XXXX, XXXX, MI XXXX Fraudulent Social Security Number : XXXX I kindly request that you provide a genuine response to this matter, considering the urgency and severity of the situation. Please ensure that the response is not an automated or generic response from e-oscar. 

I appreciate your immediate attention to this matter and your cooperation in resolving this identity theft issue promptly. Should you require any additional information or documentation, please do not hesitate to contact me at the provided contact details. 

Thank you for your understanding and assistance. 

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

The credit bureaus stated my account received a properly investigation of my disputes but how is that possible if the open date is inaccurate the date last active is inaccurate and the date last reported is not accurate. This ground for removal they also violated my rights under : 15USC 1681 SECTION 602SA ; STATES I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 : STATES A CONSUMER REPORTIONG AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS According to 15USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I want {$1000.00} per violation
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Checking or savings account

My fiance and I travelled to XXXX. While there, we were approached by a gentleman who gave us tickets to a " celebration. '' We later discovered, it was not a celebration, but rather a sales pitch to purchase a luxury vacation package. The pitch started around XXXX XXXX  at night and lasted through XXXX XXXX. We were told that if we bought into this special VIP luxury package, we could book luxury hotels and/or villas for a week at prices beginning at {$240.00} to {$3900.00}. The initial cost was {$26000.00}. My fiance said, " Never in a thousand years. '' Finally, they negotiated down to {$6000.00}. We agreed. I paid {$4000.00} and my fiance paid {$2000.00}. 

This was on XX/XX/2021, at around XXXX. On XX/XX/XXXX, they picked us up from our hotel to explain what we purchased and to sign the contract/Agreement. Before we signed, we went through the entire process, from start to end. We acted as though we were purchasing a week in the hotel where we were signing the Agreement. We were told, " {$2900.00} for the week. '' So we signed and agreed. 

We arrived back to the US on XX/XX/XXXX and on XX/XX/XXXX, my fiance attempted to book the hotel we had just simulated in XXXX with the company. It took over a week before we could finally get any answers. When we did get an answer and a quote, it was {$77000.00}! Luckily, since they were taking so long in getting back with my fiance, my fiance cancelled the package on XX/XX/2021 -- within the 4 day cancellation policy. 

I have tried to dispute the charges with my bank BB & T, but they are refusing to refund the money. My fiance 's bank, XXXX XXXX, has refunded his payment. We have received nothing from this company -- absolutely nothing. They are a scam company who has scammed us out of our money. They now are saying that the prices that were quoted to us during the presentation are for " service fees '' and that we are still required to pay the full price for the hotel and/or villas. This is NOT what they told us or showed us through the simulation. We were also supposed to be given a XXXX account within 8-12 weeks. We were never given that. We have nothing. Nothing at all. The bank BB & T must refund the money paid.
Product: Credit reporting

I applied for a bank account with XXXX on XXXX/XXXX/XXXX and was told that I had something with Telecheck. So I contact telecheck to inquire. I was informed that I have XXXX checks to XXXX check number XXXX for XXXX on XXXX/XXXX/XXXX and check number XXXX XXXX on XXXX/XXXX/XXXX. I requested a copy of my report and was informed I had to provide my drivers license social security number address and a voided check which I AM not comfortable doing. I have no idea what bank account this is and have never wrote a hot check to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account is being reported incorrectly on my report. It is through XXXX XXXX XXXX, a Collections Agency, account number XXXX. The collection was originally through a lender called XXXX. The reference number at XXXX XXXX XXXX for this issue is XXXX. This account has been CLOSED with a PAID IN FULL status since XX/XX/2016. However, this information has been incorrectly reported by all three bureaus. XXXX XXXX XXXX and all three bureaus have been contacted about this issue multiple times, but nobody is any help. I have a correspondence from XXXX XXXX XXXX, verifying that I am correct that the account is in fact Closed and Paid in Full. But it isnt reported that way. XXXX reports the item as Open and active in collections. XXXX reports the item as a Charge Off, meaning that I still owe money for the account. Equifax still shows the account as Open in collections. This account should not be displayed as Active or Open in collections. It should be Closed. I should have zero accounts active or open in collections. It should be displayed as Paid In Full, not as a Charge Off. I am trying to refinance my mortgage and this issue is causing me undue financial stress. I do not want to have to file suit under the Fair Credit Reporting Act but its at the point I may have to.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account : Account Number : XXXX Account Name : BANK XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX Account : Account Number : XXXX Account Name : XXXX  XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit reporXXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/scrub> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.