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

My credit report was checked without my permission at a XXXX dealership in XXXX, CA on XX/XX/2023 My uncle was planning to buy a car at the XXXX XXXX dealership in XXXX, CA and they put down my information as a close relative. I did not consent for them to use my credit report towards a financial plan a car my uncle was planning on buying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from " Chase '' for an auto loan. Upon doing some digging I found that this loan was obtained from an auto dealership. 

I have never done business with this dealership. 

Several bank accounts were opened in my name and used to pay for several fraudulent loans also taken out in my name. This loan was not authorized or used by me. I received no personal gain from this loan.
Product: Mortgage

I just recently filed a complaint against  XXXX  Serviced by Nationstar Mortga ge LLC,  a sub-servicer for  XXXX   XXXX  Number  XXXX  I have tried to speak with these individuals, but they are very rude and refuse to give me any assistance. I am afraid to answer my phone now. However, I have still managed to contribute to the delinquent payments regarding my mortgage. Please help.     Please note this is the address I have been sending payments, too.   Nationstar  XXXX .  XXXX   XXXX   XXXX , TX  XXXX
Product: Credit reporting or other personal consumer reports

About 30 days ago I filed a dispute with Experian. This matter is about fraudulent charges on a XXXX XXXX card form 2018. I reported the fraud, a fraud alert was placed in my file and I reported this incident to law enforcement. That report was also submitted to Experian during my latest dispute. 

The facts are these. In 2018 someone opened a XXXX XXXX debit card without my knowledge. After 4 months of on time payments the person became late with the XXXX, and XXXX payments in 2018 in XXXX of 2018 the account was CLOSED. 

However after my latest dispute by some error this account was verified and updated as valid. 
This is impossible seeing that the account was CLOSED in XXXX of 2018. And considering the fact that no activity could possibly be occurring on that CLOSED account it is illogical to believe that a proper investigation was done in this matter. 

These actions are in direct violation of the FCRA. 

This information is patently false and I believe has been placed on my file as retaliation for filing the dispute multiple times. 
Also the FRCA mandates that late payments must be removed after 7 years. It has been 7 years since this fraud occured. 

Experian clearly is not investigating these matters.
Product: Student loan

XXXX XXXX XXXX  - Texas Guaranteed Student Loan Corporation executed several federal XXXX XXXX Master Promissory Notes between XXXX XXXX  ( lender ) and XXXX XXXX ( borrower ). The loan includes a 100 % origination fee to the student loan request which is considered predatory. Additionally, the university had an 18 % student default rate at the time of the loan. The borrower was unaware of the default risk until after the loan was executed and transferred to the US Department of Education. As a result, the borrower has never been able to keep up with the unfair loan services.
Product: Debt collection

I received an email from a company threatening to sue me and report an alleged debt on my consumer credit report. I do not recognize the company nor recall ever doing business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously requested that the credit bureaus delete the following addresses that are reflected on my credit report. They have each responded that the addresses had been previously deleted ; however, when I retrieved my most recent credit report on XX/XX/18, the addresses are still being reflected. I have also requested that the alias ' be removed from my credit reports, yet the bureaus continue to report them. This is a violation of my consumer rights under the FCRA. I am again disputing the following alias ' and addresses for them to be removed from my credit reports : Experian : *Delete XXXX XXXX & XXXX XXXX XXXX XXXXDelete addresses : XXXX XXXX XXXX. XXXX, XXXX, FL XXXX XXXX address : XXXX XXXX XXXX., XXXX, FL XXXX ( These addresses do not belong to me ) XXXX : *Update name to XXXX XXXX *Delete XXXX XXXX XXXX XXXXDelete address XXXX XXXX XXXX, XXXX, FL XXXX XXXX  : *Update name to XXXX XXXX *Delete XXXX XXXX XXXX *Delete XXXX XXXX XXXX, XXXX XXXXDelete XXXX, XXXX *Delete XXXX, XXXX, XXXX XXXXDelete address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX *Delete address : XXXX XXXX XXXX. XXXX, XXXX, FL XXXX
Product: Checking or savings account

My brother and I opened a XXXX Checking account at Ally Bank due to the death of my mother. Account opening was smooth. Large amounts were deposited into the account due to the closure of my mothers estate, 100K+, and then wires were sent out of the account to my brother and myself. Wires sent to the actual account owners of the account. Well, Ally decided they are going to lock the account, and requested all kinds of documentation that I have complied with. Each and every time I have called I have been told that it is with an investigator, yet I have no option to speak to the investigator. 5 days now I have been unable to access the funds in our trust account. We are attempting to close on a house and have large sums of money moving ( due to the unique situation of it being a trust account ). 

I am also XXXX XXXX military and Ally has not allowed me online access or the ability to close the account. I am sure these are definitive XXXX violations to lock an XXXX XXXX members money with no way of accessing it, and no way of transferring it out. My last conversation with them was that I can not access the funds until I speak to an investigator. No option to speak to the investigator.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX   FINAL BILL XXXX : XXXX XXXX Equifax:XXXX XXXX : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX   Equifax : XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX  Equifax : XXXX XXXX  : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX  Equifax : 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 disputed innacurate accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX, XXXX XXXX XXXX XXXX, In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Consumer Solutions XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file.
Product: Debt collection

I received a letter from a collection agency called XXXX XXXX XXXX They say I have unroll certain date to pay back a high balance I owe them. For {$1600.00}. For some service and got done In XXXX. This is awful since it shows upon my credit and no bank wants to work with me when applying for a loan. 
I believe and Im sure this was a mistake of identity. One because I have never travel to XXXX second because I dont even know what services was done that they claimed. 
The dates of service are false at the time I was pregnant and wasnt in my plans of travel also the name and last name its registered wrong also my date of birth. I believe is a mistake of identity. 
I contact XXXX XXXX they said they have my account closed and was passed on to Commonwealth collection agency I did a dispute and wrote a letter to them to dispute this issue I send it through post office I got confirmation they did received my letter. You have not heard from them at all. 
Commonwealth Financial System ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As I investigated my credit report, I found out that some of the information was erroneous. Equifax Credit Bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), kindly investigate the unverifiable accounts below : US DEPARTMENT XXXX EDU XXXX Opened XXXX XXXX, XXXX Balance {$1500.00} ; US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$1500.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1600.00}.
Product: Credit card

XXXX XXXX XXXX XXXX credit card XXXX XXXX XXXX this account up and used my information to receive cards. 

Capitol One XXXX XXXX open a XXXX XXXX XXXX XXXX ending in XXXX XX/XX/XXXXXXXX XXXX XXXX tryed to open another card in my name card ending in XXXX XXXX XXXX is the person in both cases and I'm currently going to fill out a police report. Use my SSN and Birthdates and fraudulent documents
Product: Credit reporting or other personal consumer reports

This marks my 4th submission of a complaint, as I am diligently following up on my previous communication dated XX/XX/2024. I am disputing the remaining items in my credit file stemming from the crime of identity theft. I kindly request the expeditious removal of these items from my credit file. For your reference, I have attached my new FTC report with # XXXX : -- -- -- -- -- -- -- -EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$620.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original creditor XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX {$21000.00} XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance {$620.00}. As stipulated by FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to remove any items in the consumer 's file identified as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint regarding the fraudulent accounts and information you report on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In the event you believe that the disputed items belong to me, I request of you to please send me copies of proof of verification or proof of ownership to support your claims. If you can not find these documents to support your claims, immediate removal of the disputed items will be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

as I have notified you before, I am a victim of identity
Product: Student loan

Lawsuit Alleges XXXX XXXX and Navient Unlawfully Charging Late Fees. I sent my claim form back in XXXX 2017 and I never received settlement money and had all my bills sent to them with no reply back and I sent in my info
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate on my credit report advising the bureau to validate the accounts if they were unable to validate then remove them off my report. The letter was sent over 30 days ago and I have not received a response. 

The inaccurate accounts XXXX XXXX UNIVERSITY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Hello, Ive been trying to get access to my mortgage statements for two of my houses. Loan Care website has been down for over a week. I spoke with their customer service representative on XXXX. They arent able to provide me the statements either. I was asked to wait till XX/XX/27 but the website is still down. I need my statements to review accuracy of the escrow. I also need it for a HELOC I applied at another lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

Started A Investigation Through XXXX XXXXXXXX And Was Not Notified Of Completed Investigation And Was Told By A Transunion Representative that the investigation is still on going and that was at the thirty day mark now its 60 days in and still no update
Product: Credit reporting, credit repair services, or other personal consumer reports

You advertise a FREE report on line. Even three reporting companies. This is XXXX. When I filled out your information twice, you did the same thing. Played like you were trying to load the reports then said, I could fill out forms and order them!!! I am XXXX XXXX XXXX, XXXX, lived at the house I built, for 20 years, lived in a mobile home at this address, while building the home. It is a 2 story Brick home, at XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX. My phone is XXXX XXXX. I would love to see if there is anything Negative on my always perfect credit. I retired, as XXXX XXXX, of XXXX XXXX and XXXX XXXX from the XXXX  business, after 50 years, in the XXXX Business. I have been XXXX, since XXXX. I was XXXX of XXXX XXXX, corner of XXXX and XXXX XXXX, until I sold it XX/XX/XXXX. Was a XXXX  and XXXX, XXXX XXXX  XXXX for 40 years, for exercise, for my health, until XX/XX/XXXX, when I had a XXXX   XXXX. Just wanted to see what my credit report says about me at age XXXX. I owe no one, except current bills, XXXX XXXX, XXXX, etc., they are paid in full each month by bank Draft. XXXX XXXX XXXX XXXX, XXXX.
Product: Debt collection

under the Fair Credit Reporting Act ( FCRA ). According to Section 609 of the FCRA, I am entitled to request the information related to entries on my credit report. 

I am requesting the following information regarding the specified items : Please include copies of any contracts bearing my signature that verify my agreement with Midland Credit. 
.
Product: Debt collection

XXXX/XXXX  would not stop billing me after services were disconnected. 

XXXX Called to have internet service shutoff on XX/XX/2021. 
XXXX Received email from XXXX/XXXX  reminder that services were being terminated on XX/XX/2021. 
XXXX Received email from XXXX/XXXX  about an updated service agreement. 
XXXX Received bill pay reminder email from XXXX . ( assumed it was final bill ) XXXX Received receipt for payment of bill for full month amount XXXX Received bill in email for XXXX for full month payment. Tried calling XXXX/XXXX  but their phone system sent me in circles without being able to talk to a person about bill and service. 
XXXX Tried calling XXXX again. Automated service made me do online chat with a person who agreed that services were supposed to have ended on XX/XX/2021 and said they were going to take care off disconnection issue and refund me for the XXXX bill. Received an email saying they were canceling services on XX/XX/2021 ( have screen shots of chat conversation ) XXXX Tried calling XXXX , wasn't able to get past automated loop. 
XXXX Called XXXX XXXX talked to a woman who would only have me setup a payment. She said she was the customer complaint manager and that she had no boss above her and that she could not see any previous contact or the original email of canceling service. 
XXXX Did a chat with XXXX again. They promised to refund me for XXXX and XXXX. Asked to talk with a person and no one called me. 
Continued getting past due bills in mail for services after XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I hate I even downloaded this app! Venmo XXXX I literally didnt do anything wrong but try to send a payment to my cousin for hurricane Helene because we was going to stay together & tried it a couple times n my account got froze! I cant even get my funds out so I can prepare for hurricane Helene which make land fall later today XX/XX/scrub>XXXX I went to the atm & still couldnt pull funds out my account I dont deserve this. Now they wan na hold my money for 180 days
Product: Debt or credit management

XX/XX/year> I reached out to find an organization to help prevent a foreclosure of my home. Before this I had tried to resolve the outstanding balance with my mortgage company without any help. I spoke to Sandalwood Solutions out of California and they assured me that they will help me get a repayment plan for my loan. The cost would be {$800.00} a month for a total of 5 months, which they said is plenty of time to get this problem resolved. Since my mortgage company wouldn't take any payments besides the full amount past due, which at that time was 5 months. I had weekly calls with Sandalwood Solutions and every time they said they had contacted my mortgage company and are working with them to come up with a solution. I had asked multiple times to get their records of calls and what was being done on a weekly basis. Every time I asked, I was told that they would get it in the mail, well that never happened. I finally got fed up once I received a foreclosure notification from someone who dropped it off at my home saying a sale was scheduled. I called Sandalwood and they confirmed there was a sale scheduled and not to worry about it, they are still working on it. A couple weeks go by without a word from them. I finally had to take money out of my XXXX plan to cover the past amount due. I immediately contacted Sandalwood Solutions and told them they didn't do what they told me they would and informed them of having to withdraw from my retirement plan. I had one month left of payments to them and thinking about it that would be the same time as my foreclosure sale. I told them I would refuse them to take any more money out of my account. I also informed them I was disappointed that they claim to be a faith based company and can scam people to make money. I was responded with a nasty letter from some manager say she was sorry that I felt that way.
Product: Money transfer, virtual currency, or money service

I am XXXX XXXX XXXX. 
I opened an online account with skrill using the website www.skrill.com I got XXXX $ in my wallet and I can't withdraw the money as they won't let me withdraw it or transfer it ... They made me go through the verification process and after doing this they won't still let me have access to the money and skrill got lots of persons complaining about there service on XXXX XXXX ... They are scammers and don't have customer care service that replies or attends to customers.. 
Here is the Emails I used in signing up with skrill .... 
XXXX XXXX. 
I have verified my documents and I got an email that I have been verified but they won't let me access my money on the site and it shows verification pending on the site