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

While I was in the process of trying to rent an apartment, my credit report had to get pulled. I was denied due to several unknown items on my report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. DEPTEDXXXX XXXX {$4800.00} DEPTEDXXXX XXXX {$2800.00} DEPTEDXXXX XXXX {$3000.00} DPTED/XXXX  XXXX {$5500.00} XXXX  XXXX XXXX {$330.00}
Product: Debt collection

I found out through my XXXX credit monitoring that Jefferson Capital Systems ( debt collector ) filed a collection account on my XXXX and XXXX credit reports. This debt was originally with XXXX for cell service which I paid in full back in 2017 and the account was closed. Jefferson never sent me any written notice they just slapped this collection on my report. The statute of limitations in Florida is 5 years so they are 2 years beyond my last contact with XXXX which was in XXXX  when I paid it off and closed the account. I didn't have any knowledge that this was going to collection or that it was a collection!! how outrageous!! I tried to get Jefferson to answer through XXXX and they just said go back to XXXX in the meantime they have damaged my credit scores which were in the XXXX XXXX XXXX they are unethical! the balance they claim I owe is {$330.00} but instead of reaching out to me to resolve this somehow, they have damaged my credit and I will take legal action against them. they need to delete this from my credit!! these debt collectiors XXXX  XXXX  on us the consumer and we don't have any recourse when they make a mistake yet they have access to our credit and cause damage are not held accountable at all!! criminals are protected and the regular folks get screwed!! this is the county we are living in!
Product: Credit reporting or other personal consumer reports

The following unauthorized credit inquires have been made to my credit report across the three major credit bureaus as follows. XXXX is reporting three hard inquires from XXXX XXXX reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Equifax is reporting two unauthorized hard inquires which are being reported as XXXX XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. 

XXXX is reporting two unauthorized hard inquires which include XXXX XXXX on XX/XX/XXXX, and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and haven't received any results.
Product: Vehicle loan or lease

I took out a loan with US Bank in XX/XX/XXXX. The loan was for a XXXX XXXX, year XXXX. The loan was in my name only using my credit. My payments were made on time and the loan was even paid off early. In XX/XX/XXXX the loan was paid off and I receive a letter acknowledging that they received the last payment. The first letter stating the loan was paid in full was received by me on XX/XX/XXXX. The letter referenced an enclosed title or lien release, advising me to go to my local licencing agency have the U.S. Bank lien removed. Unfortunately, there was nothing enclosed with the letter. I contacted U.S. Bank to advise of this, receiving a second letter dated XX/XX/XXXX. This letter stated the same the vehicle was currently tagged in a state with ETitle and was released on XX/XX/XXXX. Unfortunately, again since there was not Lien Release provided, when I went to the tag agency in XXXX  there was nothing they could do. They had not received an ETitle from U.S. Bank. Finally on XX/XX/XXXX I received a letter enclosing the Lien Release Statement. Once again I went to the tag agency and once again there was not an ETitle with the state of XXXX. I promptly contacted U.S. Bank again and was once again provided a letter enclosing a Lien Release Statement. This latest letter was dated XX/XX/XXXX. To date I have been unable to obtain a title to my car. I have now relocated to the state of XXXX. Unfortunately, I can not tag my car in XXXX because I do not have a title to my car. I have contacted U.S. Bank again and to date have not had any response from them. The XXXX XXXX Tax Collector 's office has also sent a letter to U.S. Bank, this being on XX/XX/XXXX. I currently have a 30 day temporary tag on my car but I need to have this resolved because the state of XXXX will only provide me with one more temporary tag and after that I will have to garage my car. I can not believe a bank as large as U.S. Bank can withhold someone's title to their car. All I want is for them to do the right thing and provide me a title to my car. Thank you.
Product: Debt collection

Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with  XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX   XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request  that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
1.DISCOVERBANK acct. # XXXX bal. $ {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to dispute certain things with Experian that they are unwilling to take off. They give me difficulty disputing items, Im unable to submit online disputes and I cant dispute items over the phone because they verified them. All they did was call the companies directly rather than verify through their 3rd party data suppliers. Ive tried to dispute XXXX XXXX XXXXXXXX multiple times. XXXX and XXXX have already deleted this. Ive already told Experian how the IRS confirmed my identity has been stolen. They told me to provide FTC forms and I provided ftc forms. Since its already been disputed, they dont let me dispute it anymore. XXXX XXXX and XXXX consumer late payments were taken off of my XXXX and XXXX credit reports. For some reason, Experian has been reluctant to take this off. I have a collections account from XXXX XXXX XXXX for an att. This has been reinserted into my credit report so many times I cant even count. I would like this att bill to never show up again. Late payment for XXXX XXXX bank should also be erased. I just received a correspondence about how I have several on time payments with them. Ive also already disputed with the account directly.
Product: Checking or savings account

To Who  m It May Concern, Yesterday my husband and I had property SOLD and left with a check to be deposited.
We deposited the check into our JOINT Checking Ac  count . ( Bank of America ) Within 12 hours there was thousands of dollars being processed/withdrawn out of our JOINT Checking Account. The company that withdraw the monies, was n't indicated at all in our JOINT Checking Account statements. There was no ALERT! that was indicated to us with our online Accounts at all.   <P/> Of course, we immediately went to the closest Bank of America to see what on earth was going on with this particular account mentioned above.  <P/> 
The Bank of America Manager found out that it was a Credit Card issued back in the early  XX/XX/XXXX  through my husbands company which has been CLOSED since XX/XX/XXXX . They indicated that    the last payment wa s XX/XX/XXXX . The  Credit Card was through the company which was also a LLC. My husbands name was the ONLY name on the Credit Card. Not mine.  <P/> The monies that were withdrawn is also mine. Th e Checking Account is also a JOINT Acc ount.  XXXX  Bank of America fraudulently withdrawn monies out of a   JOINT Checking Account  XXXX   XXXX   Please note, there was no notice by mail or phone calls to Alert us of any problem or issues to resolve any matters with Bank of America.
<P/>  There needs to b  e ACTION taken against Bank of America.
<P/>  My husband and I are retired and only get a small amount per month through social security. This Sale of t  he Property was to be a small cushion of security which was taken away from us like a thief in the night.
<P/>
Please let us know what ACTION must be taken so we can proceed to go further and have our monies returned to us.    <P/> Thank You.
Product: Debt collection

This complaint is in regards to XXXX ( Resurgent ), along with XXXX ( XXXX XXXX XXXX ). Upon researching, The alleged current owner of the account is XXXX XXXX XXXX XXXX, dba XXXX XXXX XXXX, dba Resurgent Capital Services. With this being said, in the complaint # XXXX, there is NO MENTION of an open account, which is in the body of my complaint. My direct statement, made to a government official, on XX/XX/2018, via the XXXX  portal is. '' Also refer to case # XXXX. I never received communications from said debt collector in regards to this account. According to my credit reporting files, Debt collector began reporting said account in XX/XX/2018, I was alerted by my credit report this is reporting as a debt collection as on XX/XX/2018. I was never notified by this company, therefore, this debt collection is invalid, and must be immediately removed, and reverted back to the source of original alleged debt. Also, according to my records, I have not received a phone call in regards to this matter as well. Thank you. '' My complaint in XXXX was in regards to credit reporting as a collection within several of my credit reporting files. That has nothing to do with an " OPEN ACCOUNT ''. The explanation given to the CFB is a blatant violation of credit reporting laws, as my complaint was misconstrued to where it appears as a legitimate answer to my complaint.
Product: Checking or savings account

Chime ( or XXXX, formerly XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) illegally gained access to my personal information and opened a banking account without my permission. I did not contact Chime and hadn't even heard of this company before receiving the letter and XXXX  card in the mail. This is an illegal practice for a banking institution and the CFPB should be working to prevent this from ever happening again.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXXXXXX XXXX XXXX  Account Number XXXX Account Name XXXXXXXX XXXX XXXX Account Number XXXX
Product: Debt collection

Representatives from XXXX, XXXX XXXX XXXX ( XXXX ) have repeatedly called my phone. When I called them back, agents ( XXXX XXXX and XXXX XXXX ) repeatedly hung up on me when I attempted to get verification of the debt owed and talked over me when I sought information about the debt, and only wanted to collect payment information without proper debt validation/verification. Each agent hung up on me when asked about debt verification and/or to connect me to their legal department or a supervisor. XXXX, XXXX XXXX XXXX ' agents stated that a chapter XXXX discharged debt was STILL owed even after I informed them that the debt was discharged in federal bankruptcy court in XX/XX/XXXX. They then threatened me with a lawsuit if I attempted to collect any further information from them and threatened that without agreeing to pay for the debt today ( on XX/XX/XXXX ) they would send over the false documents of a debt owed to XXXX Bank for " over draft fees '' in the amount of {$940.00} to the federal credit bureaus. I provided my attorney 's contact information to agent XXXX XXXX who was extremely rude & nasty. This collection agency harraseed me and verbally threatened to ruin my tediously rebuilt credit over a debt discharged in XXXX.
Product: Debt collection

Company XXXX called informing me they will take legal action for a debt I'm not aware and it is from 2010, when I requested identification for the law suit lawyer the person on the phone XXXX XXXX stated threatening me with legal action, a judgement against my property, I requested to e send information via email and they sent a docusign document that I refuse to open and signed, I called back to request to please send information about this debt via fax and/or mail, they did not provide and told me aggressively I was being childish and they will not provide any further proof of debt and take me directly to court. 

I kept calling XXXX XXXX to get more information regarding the company and law firm and she said to stop calling and they will take me to court
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the Equifax fraud department about my report not showing up in XXXX XXXX report platforms and nothing is updated. XXXX of my phone companies attempted to do a soft pull on my credit but they said the report says that there is " no available score '' the I called today, the agent from the fraud  department told me that my name has been blocked on my report, the reason is I have a namesake but different spelling of the last name, this is a discrimination of my name and stereotyping, its because I have the same name and the last name is not even the same mine, they will block my name causing my reporting from my creditors are not being updated and caused my credit score from dormant. This is not the first time that Equifax did this to my name, this is the second time that made an issue with my name and took all XXXX points away from me a few months back. I want them to remove the block XXXX my name and other associated information other than what has been updated in my personal information. everything that was added to the internal record should be removed from the profile so that I will be able to see my updated report and score.
Product: Mortgage

On XX/XX/year>, I agreed with Rocket Mortgage on a 15-year fixed mortgage at a rate of 4.75 %, with no appraisal and waived lender fees. I confirmed my commitment to proceed via email and by signing an intent letter in the Rocket Mortgage online portal, under the impression that these terms were finalized. The initial closing date was set for XX/XX/scrub>XXXX XXXX XXXX 

During XXXX and XXXX, my loan agent and his supervisor assured me several times that no action was needed on my part to maintain these terms. The XXXX  list in my Rocket Mortgage online account was empty, and I had no indication that I needed to take steps to secure the rate. In late XXXX, I inquired whether a recent Federal rate cut could potentially lower my mortgage rate. The agent responded that the rate cut was already factored in, yet no further action was taken to lock the rate. 

On XX/XX/XXXX, I received a new loan estimate with a 4.99 % interest rate. Concerned, I asked what had happened to the previously agreed-upon 4.75 % rate. In response, they recalculated it again and, on XX/XX/XXXX, informed me that the new rate would be 5.5 %. Since my closing date was advanced to XX/XX/scrub>XXXX XXXX XXXX I was left with no choice but to proceed with the higher rate due to time constraints. 

I filed a complaint with the Rocket Mortgage Client Relations Team. Their response was as follows : " Good afternoon. Thank you again for taking my call, per our discussion I am writing to advise that the Rate Lock on your last application with Rocket Mortgage was left Floating based on information we were provided on XXXX  that you would be potentially closing your new purchase on XX/XX/year>. Since the loan is now closed, we are unable to make any changes to the rate, despite the rate being different when locked, as to what was provided as the floating rate. '' Rocket Mortgage is now asserting that I could have locked the rate within 60 days of closing, yet they never informed me of this step. I was assured multiple times by my loan agent and his supervisor that no action was required on my part. I was led to believe that our agreement on the original 4.75 % rate was final, with no further steps needed from me. As a result, I incurred additional, unexpected costs due to the rate change at closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Credit Act XXXX Account ( XXXX ) *XXXX XXXX  XXXX XXXX XXXX ; *XXXXDept of ED-ACCT # ( N/A ) ; XXXX XXXX XXXX XXXXXXXX # XXXX have violated my rights : 15 USC 1681 Section 602A states " I Have a Right To Privacy '' 15 USC 1681 Section 604 A/Section 2 also states " Consumer Reporting Agency can NOT furnish my account without my " written instructions ''.
Product: Money transfer, virtual currency, or money service

An unknown person sent an electronic check for me to deposit into my wells fargo account. It was a total of {$800.00} and the unknown person had me XXXX  them {$500.00}. The electronic check turned out to be fake and the {$800.00} was taken out of the account and the unknown person was able to be XXXX  my {$500.00}. This all occurred in the year 2019 during XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and fraudulent accounts has been open in my name without my authorization. I requested XXXX, Experian, XXXX to remove them but they didnt and its going over 75 days with no information saying if they took it off or not. The company name is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is not mine and is an result of fraud please remove this account immediately. 

1. XXXX  XXXX  XXXX {$1100.00}
Product: Checking or savings account

Good morning, I need to submit another complaint to SoFi Bank. They placed a restriction on my account for almost a year, and despite reaching out several times, customer service was unable to assist me. After I filed a complaint with the CFPB, the restriction was lifted. SoFi informed me that they would send me {$200.00} on XX/XX/XXXX and that it would take up to three weeks to arrive. I have called three times because the USPS typically does not take three weeks to deliver mail. Once again, the customer service team failed to provide accurate information, incorrectly stating that my check had been mailed without confirming with their carrier. I know that companies can verify whether any items were sent out through their carrier department, but the representatives were unwilling to check or assist me, and they rushed me off the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which are being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX US SM BUS ADMIN XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/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 XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any items 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following are hard inquiries on my account that don't belong because I've never applied for a credit card with any of these businesses. There is currently an investigation going on in which my mother had taken loans on my credit and I believe she is the one still applying for credit cards. 
XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
Cbna Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks
Product: Prepaid card

On XX/XX/2023 I made a charge for a reservation for a hotel called XXXX. I used XXXX to book the hotel. I got charged 3 times 1 from XXXX, 1 from XXXX XXXX and 1 from. XXXX when I physically went into the hotel. So 3 separate charges for 3 separates amounts. XXXX, XXXX and XXXX app by the same merchant. XXXX transaction was completed on my account the next day I checked out. The two other transactions including 3 pending transactions of XXXX. Were not available for use. I contacted the hotel and XXXX formerly known as XXXX. They said it's pending nothing they can do. I contacted bank and told me the expires date is 30 days and it will go back into my available balance. Today is the day I no longer see the pending transactions but did not fall back unto my available balance The bank told me it expired. The bank also put me on hold and tried to go back to XXXX which will try to throw me off calculations. The dispute department failed to investigated why XXXX cents is missing from my account. This is not the first time this has happened. I'm requesting the bank to refund or reverse those funds back into my account. I am assuming they paid these merchants or took the money themselves. I know how to count and they are trying to tell me the money went back into my account when I clearly did the math because I watched my account.