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

These XXXX loans are Fraudulent. 
Apparently, someone has gotten hold of my personal information and gotten loans in my name. 
On XX/XX/XXXX, I ordered you to CEASE and DESIST reporting to my Experian Credit Report. You reported again this month. You have broken the law! This is violating my consumer rights & punishable by fines. 
I am ordering you a SECOND CEASE and DESIST, effective IMMEDIATELY! Do NOT REPORT ANYTHING TO MY CREDIT REPORTS EVER AGAIN. 
I also attached a letter from the US Marshall Service for Cyber Security, PROVING that on XX/XX/2023, my personal information was identified and found to be compromised. My email address was also found on the dark web. This was before you reported this alleged debt. I also had a fraud alert placed on all my credit reports, before you reported this alleged debt. 
I filed an Experian Dispute and a Dispute with CFPB. I asked, but You provided Zero dated and signed documentation of a loan application nor a dated and signed loan origination form nor the ORIGINAL PURCHASE AGREEMENT, with ALL terms and conditions, PROVING I OWN this alleged debt.Therefore you have ZERO proof that I own this alleged debt. 
You have NEVER provided ANY document with my WET SIGNATURE ON IT. A TYPED LETTER FROM YOUR COMPANY IS NOT Debt Validation NOR is it A LEGALLY, BINDING Loan Agreement, Nor is it an ORIGINAL PURCHASE AGREEMENT. 
I am ordering you to remove ALL accounts from my credit report, IMMEDIATELY & PERMANENTLY. I will not pay these debts. Your cooperation is bound by law and greatly appreciated. This is my FINAL attempt to resolve these fraudulent accounts with you, before taking legal action.
Product: Credit reporting or other personal consumer reports

I disagree with the accounts listed below which still appears on my credit report, even after your Investigation. I would like this item Immediately re-investigated. The inaccuracies are highly injurious to my credit score. In accordance Credit Reporting Act, Public law 91-506 with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

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

I sent a letter off around XX/XX/ to remove erroneous information i dont want on my credit report. According to the 15 USC 1681, i have a right to privacy. Also 15 USC 6802, No financial institution is suppose to share my infomation with third-party people. 

I believe these are clear violations of my federally protected consumer rights.
Product: Debt collection

I contacted the company to confirm the debt and it was accurate and the amounts they were suggesting I owed. I offered to pay what was set to be paid, even though all services were not provided to me. They threatened instead of resolution to file with the credit reporting agency instead of verifying the debt, confirming the amounts were owed, in fact saying they did not have that type of communication available to me. My only option was to pay the full amount in payments or credit reports. They then reported my credit against the Fair Debt Collection. https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN GOING BACK AND FORTH WITH THE CREDIT BUREAUS AND DISCOVER. I AM A VICTIM OF IDENTITY THEFT, IN XX/XX/2017 CREDIT CARD WAS OPENED IN MY NAME ( ACCT NUMBER XXXX ), AND DISCOVER ALLOWED IT. THIS HAS BEEN AFFECTING MY REPORT NEGATIVELY AND I HAVE SUBMITTED POLICE REPORT, FTC REPORT SIGNED AND NOTARIZED, DISPUTES, MY LICENSE, SOCIAL AND PROOF OF ADDRESS. DISCOVER HAS IGNORED MY REQUESTS FOR DISPUTES, PROVIDED ILLEGAL VERIFICATION OR VALIDATION OF THE DEBT. AT THIS POINT I AM WILLING TO GO TO COURT TO LITIGATE THIS MATTER AS I AM A VICTIM OF IDENTITY THEFT AND THIS COMPANY REFUSES TO ASSIST BY REMOVING THE ACCOUNT OFF MY CREDIT REPRTS ( ALL THREE BUREAUS ) I AM REQUESTING REMOVAL IMMEDIATELY OTHERWISE I WILL BE LOOKING FOR COMPENSATION FOR EACH VIOLATION AND EACH DAY THAT IT AFFECTED ME. I WILL ALSO BE FILING A COMPLAINT WITH THE FTC AGAINST DISCOVER, STATE ATTORNEY GENERAL, AND XXXX.
Product: Credit reporting or other personal consumer reports

Recently I looked as a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking to verify as accuracy : XXXX, ACCOUNT NUMBER : XXXX.
Product: Debt collection

XXXX XXXX had placed a account on my Equifax report and according to XXXX XXXX has made five attempts at getting this account removed as it has been discharged in bankruptcy. XXXX XXXX it is negligence on Equifax 's part that it has not been removed efforts according to XXXX XXXX began in XX/XX/2018 and the account still shows active. THIS NEEDS TO BE REMOVED IMMEDIATELY
Product: Debt collection

XXXX Insurance has put a charge on my credit for a debt that I do not owe. I called them before to ask for a quote before but i have not had insurance thru them. When I call to try to get info for them to verify this debt that i suppose to owe, they suppose to mail me something and I have n't seen anything yet but they reported it on my credit.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report
Product: Student loan

CALL TO GET FORENSIC AUDIT AND " FULL VALIDATION '' AND NO RESPONSE.
Product: Mortgage

I have a monthly billing statment that shows a total amount due that is grossly inconsistent with the actual amount that is owed. As of statemenet date XX/XX/2017 I do owe {$970.00} per their own statement. sAME stament says i owe {$2500.00}
Product: Debt collection

Several accounts have appeared on my file that are in question with the credit bureaus that have not been addressed and are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # 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 602 B states 2 states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing my name as XXXX XXXX date of birth XX/XX/XXXX This is incorrect my name is XXXX XXXX XXXX date of birth XX/XX/XXXX Because of this there are false collections being reported to my credit report damaging my credit score making me unable to get a job or a house please remove this information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sycnrhony Jc Penney ( SYNCB/JCP ) is repoting a fraud account on my credit. I have made several attempts to dispute the validity of the account with Synchrony and with the 3 major credit bureaus, and yet it continues to report in my credit. Please note the attached FTC report as I the account is complete fraud and needs to be removed from my credit report.
Product: Student loan

I have attempted to contact FedLoan multiple times in the last month to receive a refund of student loan payments I made during the COVID Forbearance while I was also qualified for the PSLF program. I had received no response from FedLoan or any status updates beyond a confirmation of receipt of the email. This is unacceptably slow response time.
Product: Debt collection

A COMPANY BY THE NAME OF SPRING OAKS CAPITAL AS OF XX/XX/22 IS REPORTING A DEBT THAT SUPPOSENDTLY OWE BY ME IN THE AMOUNT OF XXXX DOLLARS. I DO NOT KNOW WHO THESE PEOPLE ARE AND I DO NOT OWE ANY XXXX DEBT! I HAVE NEVER RECIVED ANYTHING IN THE MAIL NOR E-MAIL FROM THESE PEOPLE REGAURDING THIS!! IN THE PAST IVE HAD ID THEFT HAPPEN BUT THAT WAS A FEW YEARS AGO. THIS IS 100 % NOT MY DEBT AND THEY NEED TO REMOVE THIS FRAUD ASAP. MY INFO IS AS FOLLOWS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IF THEY WANT TO REACH OUT TO ME THEN SO BE IT. MY SSN IS XXXX
Product: Debt collection

The complaint started with the physician 's office and XXXX XXXX XXXX XXXX. The physician sent my blood samples directly to the hospital lab even after i asked they hold the samples till the end of day so I could check which of the two lab options my insurance company offered was the less expensive option as I was still trying to fulfill my deductible for the year. The doctor 's office is affiliate with this hospital and therefore my bloodwork was automatically sent to the hospital - the more expensive lab option. My responsibility was {$310.00}. The competitor lab was the second option the doctors office could have sent the samples to since the practice also had an account with them and they were also in network with my insurance company. The competitor lab charges would have been {$120.00} for the same batch of bloodwork. I tried to negotiate with the hospital to " match '' the competitor fees and they refused. They were willing to go down only {$100.00} so my balance would have still been {$210.00}. This was a " spot quote '' by the hospital and i was expected to give them a card number on the spot if I wanted the discount. Since I was driving when they called, I could not oblige. They sent me to collections - RSI. RSI first contact with me was by phone was XX/XX/2018. I called back in XXXX and asked for a Debt Validation Letter since I never received one in the first place. The woman I was speaking with on the phone did not know what a Debt Validation Letter was but said I would receive one in the next 7-10 days. What I received almost one month later was an envelope with insufficient postage ( the post office actually stamped the missing postage and circled it - see attached ), my actual medical tests with my medical results AND another patients medical tests and reports ( a pathology report ) attached to mine. This individual is in no way someone I know or am related to. Both reports had medical diagnosis, and other sensitive information such as DOB, SS #, addresses, insurance company names, and so forth. I wanted a Debt Validation Letter. Instead I received my medical tests and an unrelated parties medical tests - from a collection agency mailed to me in an envelope with insufficient postage. I wonder how the elderly man who's pathology report I received would feel if he know I was privy to his most sensitive personal information and condition due to RSI 's  incompetence. 

I mailed a Dispute Letter ( see attached ) and received back yet another " we did everything we were supposed to do and pay up '' demand. See attached.
Product: Debt collection

Credence Resource manage XXXX XXXX XXXX XXXX XXXX XXXX Tx. XXXX balance due : XXXX 15 usc ( 1692c ) c if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I sent {$370.00} through XXXX on the Wells Fargo Banking App. The phone number that I sent the money to was correct but, there is more than one person associated with the same phone number. Therefore, someone else received the transfer and not the person that the money was intended to. I reached out to the bank and informed them how insecure it was for users to make a transfer since there could be more than one user associated with the same phone number. They proceeded with the investigation and denied my claim. Their response was that the transfer was completed as requested to the phone number provided. Indeed, the phone number was correct but my issue was that the person that received the money was not who it was intended to. The phone number I input was correct but due to the lack of security of the system, somebody else that had the same phone number enrolled on the platform received the money. I contacted the bank in order to appeal the decision and they denied my appeal. My final action was closing all my accounts with that institution ( Wells Fargo ) since they were not able to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$560.00} XXXX  XXXX {$3600.00} XXXX XXXX {$810.00} XXXX  XXXX {$3100.00} XXXX XXXX XXXX {$810.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek redress for these violations.
Product: Checking or savings account

It is now XX/XX/2023 Usbank has caused a traumatic financial hardship for me and my entire family. I was notified that my account is being closed and to wait on my remaining funds in the mail. I have contacted the responsible department that placed the hold on my account several times. I am unaware of where my money is also when will it be returned? It is now going on 6 weeks since I have lost authorization to my funds. I have not been confirmed nor notified on whether both accounts have been closed. Every Usbank customer service representative is unaware of what's going on with my money or when it will be returned to me. 

I have a family to feed and I have bills continuously coming that I'm unable to pay. My child 's graduation events had to cancelled due this hold placement. Having to explain that to my child is absolutely XXXXThis has caused repeatedly traumatic financial hardship on me and my family. I will continue to contact XXXX also the local network to get my story out as I continue to wait on my funds. We are going on 2 months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent information from my file. The items I need deleted are listed in the ID THEFT REPOR I received from the FTC. I was a victim of identity theft and did not make the charge nor accounts. I ask the XXXX and TransUnion XXXX Bureaus that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I have read that the Credit Bureaus are requirewd to remove any account and information that resulted due to identity theft. I therefore request that XXXX and TransUnion immediately remove these items from my credit report with your firm pursuant of the FCRA Section 605b : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXX Inquiry : XX/XX/2022 XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, 2022
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX, I noticed unauthorized and fraudulent credit inquiries on my credit profile across multiple bureaus, including XXXX, XXXX, and Experian. These inquiries include a Ford dealership inquiry, even though I am not currently shopping for a car and never initiated this request. Additionally, I did not authorize the XXXX XXXX credit inquiry, which occurred over the weekend. I believe I am a victim of identity theft and request the immediate removal of these unauthorized inquiries. Please confirm receipt of this dispute and provide updates on the resolution.
Product: Credit reporting or other personal consumer reports

I checked my credit profile and found some credit card accounts and inquiries that can't in no way be verified and information that is not 100 % accurate these items are not being reported as 100 % correct! I Now know that this is against the laws that protect me and other consumers alike to report any information, data, credit cards, or inquiries that have not been showing to be 100 % accurate. Inside The fair credit reporting act it say that every single thing on my credit must be 100 % accurate under 15 USC Code 1681e ( b ) and 15 USC 1681i ( 5 ) these fraudulent collections on my credit report is a huge violation of not reporting a account 100 % accurately for these violations I can sue XXXX for {$4000.00} in federal court and I can sue Equifax for {$4000.00} in federal court which is {$1000.00} per violation!
Product: Vehicle loan or lease

Billing concerns, emails I received from Bridgecrest over a 3 day span. XXXX. Amounts in attachments show incorrect and inaccurate. changes made due to retaliation for complaints on company standards and practices
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to mXXXX XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

I have a written notification from Radius Global Solutions LLC, about debt I do not owe.
Product: Credit reporting or other personal consumer reports

I got an inquiry alert that someone applied for a line of credit from XXXX XXXX bank on XXXX XXXX XXXX. I did not do this. I reached out to the bank for clarification, and they confirmed and then cancelled the application. They advised me to reach out to all three credit bureaus and report it.
Product: Checking or savings account

XX/XX/XXXXThe furthest I got with the XXXX branch of Chase Bank XXXX XXXX CA, is illegal unauthorized with draw from my first checking account of {$15.00} that was received by the representative and bogus withdrawals from non-ATMs I did not access, credit the account and then reversed it in which my statement now shows a negative balance, overdraw. I initially went into the bank to complain about the illegal activity of numerous hidden accounts on my XXXX chip my Chase ATM statements showed numerous last four digits of accounts of Seperate receipts ( 2 ) on or about XX/XX/, I went to the original branch where I opened the first account relayed this issue and it was suggested to reopen a new checking account and transfer the remainder funds that was direct deposit from SSA, social security administration. In which I complied, it sounded like a solution since my first checking account was compromised. The next day I went back to the branch, XXXX XXXX XXXX, XXXX XXXX, CA. and transfered approx. {$500.00} to savings. There was a balance of approx. {$400.00} of savings previously I the account when I opened up the savings. 
On XX/XX/ I went to the bank to withdraw {$100.00} and had an error balance of {$300.00} remaining when the savings account should have been balanced at around {$900.00}. 
I spoke with the representative the manager at the XXXX XXXX branch and the claims dept. And claims supervisor over the phone all which was of no help and in fact asked me to leave although I am a consumer and it is their duty to rectify financial affairs if in error and regard complaints. My suspicion besides the mismanagement and theft in funds but Non- ATM fees accounted for in my account and skimming XXXX dollar or two or more each time a transaction is made. The only ATM I went to is an ATM in XXXX XXXX XXXX XXXX, transportation located at XXXX XXXX XXXX, I noticed on my statement that there was another similar address one other time. I asked for a full investigation of video surveillance, pin input pattern, forgery in which XXXX XXXX branch denied. 

I would like All Chase Entities and financial institutions closed down until further investigation