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

This is my 7th endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX
Product: Credit reporting or other personal consumer reports

experian blocked me from my credit report and no one is as to verify my identity no matter where i go. my bank account is now frozen because of what they have done because they couldn't utilize the current verification process. i have a family to take care of and provided them the information that they needed on more than one occassion and they have completely ignored it by blocking my credit file. this is unheard of! 

I have already provided them my identifying information and they put it on my profile them blocked it
Product: Debt collection

I paid the debt with the original debtor years ago. I have disputed the the debt repeatedly and they keep removing them putting back on my credit report. The company is FIRST FED CREDIT CONTROL. XXXX and XXXX keeps allowing them to add it back. So far XXXX has kept to off. I dont believe I should have to keep disputing this.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor Inaccurate Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Inaccurate Address XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX Late Closed XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$560.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$1100.00} Date Opened : XX/XX/XXXX XXXX XXXX {$3200.00} Date Opened : XX/XX/XXXX Collection XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX {$1500.00} Date Opened : XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX {$2400.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$3000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX AAA ) XXXX {$380.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX {$410.00} Date Opened : XX/XX/XXXX XXXX & XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX {$1300.00} Date Opened XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX {$960.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX {$1300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX {$480.00} Date XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX {$630.00} Date Opened : XX/XX/XXXX ( Original Creditor : ) XXXX {$840.00} Date Opened : XX/XX/XXXX ( Original Creditor : ) XXXX {$1400.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently signing up for a credit monitoring service, I received notifications that a fraudster has aggressively attempted to open several new accounts in my name. On Saturday XX/XX/XXXX I was emailed an alert advising me of a fraudulent application attempt at another bank. Upon researching further, I have found that several fraudulent credit card applications were previously submitted ; in including a fraudulent application to Nordstrom/TD Bank resulting in fraudulent inquiries on my XXXX credit report from TD Bank . I exhausted all reasonable attempts to contact both TD Bank and XXXX to address the fraudulent inquiries. Both companies have systems set up to create unnecessary obstacles to reaching a live person and have made the process to have the inquiries removed impossible. TD Banks phone system and representatives have done nothing to help, furthering my frustration as a victim of identity theft. I no choice but to submit a request to submit complaints to the CFPB, FTC, and Office of The State Attorney General to have the fraudulent TD Bank inquiry removed from my XXXX Credit report. The dates of the fraudulent TD Bank credit report inquiry is XX/XX/XXXX. If the inquiry is not removed, then my only other option will be to seek legal assistance for damages caused by TD Banks refusal to resolve my issues as a victim of identity theft. This notice of complaint to be filed with the CFPB and FTC as well as the State Attorney Generals office serves as notice of my grievances with TD Bank.
Product: Checking or savings account

I received a XXXX loan and it was deposited into my USAA account but was supposed to be deposited into my XXXX XXXX Account. For weeks I was unaware the funds had been deposited. The amount is XXXX. USAA refused to give me a close date and return the funds. They are refusing to return the funds to the treasury. USAA states they dont offer business accounts but my loan was deposited into my checking account but they are refusing to return the funds to the treasury or issue me a check. USAA never sent correspondence regarding my account closing, the account freezing or anything. I was never asked to furnish any documentation. I was approved for a loan by SBA and USAA is refusing to give me the funds. I was also told that if the issuing back requests it they wont guarantee they will return it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got these accounts that does not belong to me and i want it to be remove from the three credit report agencies. 

1. Identity Theft BANKAMERICA Account XXXX : XXXX This is not mine. 

2. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

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

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

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

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX   accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 7 and 8 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with XXXX  and Equifax on several occasions about a creditor I have no affiliation with. XXXX XXXX XXXX XXXX  has no legal authority or affiliation with me. I have tried on a number of attempts for them to remove the reporting. They are knowingly hurting my credit standing. They knowingly will not even report any information. I have submitted cancelled checks proving payments. I have provided my court ordered child support documents from the state of Georgia. The Georgia court orders me to directly pay XXXX, my ex spouse directly. I have complied for over 10 years. 

I respectfully request these credit agencies remove this creditor immediately. It is very sad a Government department can abuse their power and authority and knowingly cause harm to an individual from another state that has absolutely no obligation to work with them. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ordered their basic service and was not supposed to be billed until 6 days later but was charged immediately. Can celled and have not received a refund Ordered their basic level of service at {$59.00} on XX/XX/17. Was also made to pay {$15.00} to their credit report service that they insisted they needed to do their job, but is another company. My card was not supposed to be charged for 6 days from the date of account creation yet I was charged immediately where upon I informed them that I wanted to cancel and get a refund as they did not follow through with their promised action. To date I am still waiting for my money back. I have called them and they claim it is the bank holding my money in a pre-authorization state. The bank claims it is them and that it would fall off after a week yet it has now been over two weeks.I also called and cancelled the credit reporting service that was a mandatory purchase for their service yet is a separate company.I plan to continue calling both parties- the bank and sky blue but judging by their actions so far it would appear like they have better interests than giving me my refund.
Product: Debt collection

XXXX XXXX of XXXX, IN in conjunction with ABC Financial Services their third party collection service continue to bill me for services when I properly terminated my services in writing with a 30 day notice on XXXX XXXX over the loss of my job due to COVID-19. I had to put a stop payment with my credit union to get them to stop illegally continuing to draft money from my checking account. I've contacted XXXX XXXX in writing and by phone to discontinue my membership and have spoken by phone to ABC Financial Services to ask that they discontinue sending me billing notices or I would be forced to file a complaint. So here we are as yet another billing showed up today XX/XX/2020. I'm also including proof of their reply email to my XX/XX/2020 so there is no question that they received my email to them title " Membership Cancellation ''.
Product: Debt collection

I recently sent a certified letter to Jefferson Capital asking for validation of what appears to be 2 separate accounts listed on my credit profile. I asked them to provide me the following information in which that failed to do so. Please see what was requested in writing by them below- Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

With that being said, I have yet to receive any of the following instead I started receiving harassing phone calls saying they are a Law Firm and it is an attempt to collect a debt. A gentleman in which I could not even make out due to his accent appeared to be of XXXX decent. I tried communicating with him and asked that he only communicate with me via US Mail.
Product: Debt collection

I am filing This CFPB complaint to report XXXX separate fraudulent accounts appearing on my consumer fico credit report which I do not recognize as reported and which is the result of identity theft, and fraud. The collections account is by XXXX XXXX opened on XX/XX/year> account number XXXX, in the amount of {$1600.00}. The other account is by a company called XXXX XXXX XXXX in the amount of {$650.00} account number XXXX. I demand that these fraudulent accounts be removed from under my credit Profile reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. The XXXX Credit bureaus that are reporting these fraudulent and inaccurate collection accounts are XXXX XXXX Equifax and XXXX.
Product: Credit card

On XXXX XXXX, 2015, I received a cold call from a XXXX based travel company. They pressure sold me a vacation package. The call lasted at least an hour. I asked them to provide me with written terms of the offer that I would consider and consistently told them I would not consider anything without written terms. They relented and wore me down. Eventually, I got into the mindset that I could give verbal authorization to charge my American Express card and then cancel once I saw the written terms. 
The next day I contacted the company to cancel & they said that I could n't until I signed forms authorizing them to charge my credit card. I contacted American Express to dispute the charge. 
American Express opened and closed the dispute process 3 times. During this 5 month period, it has been the worst customer service I have ever received from a company. Each dispute process was the same. They opened it and sent me emails saying they had " important information '' for me, with a link to view this information, which took me to their website, which I had to log onto, which did not have a " message center '' to view the information. I called them to ask for an email address to forward emails from the company I was disputing the charge from. They said I had to upload documents to their " message center ''. A customer service rep walked me through the ridiculously convoluted process of uploading a screenshot of an email to the message center. To this day, I have no idea whether American Express saw this or considered it in my disputes. 
The communication consisted of me calling every once in a while to find out what was going on with the investigation & being told the investigation was closed. When I asked whether they considered the information I uploaded they could n't tell me. When I asked to speak to a supervisor, they put me on hold, then said one would call me back. This happened several times without me ever receiving a call back from a supervisor. 
In the end, it was like doing business with a computer, with the added hassle of having to talk to uninformed people with an attitude. Although the company I attempted to dispute is still requiring me to sign forms acknowledging that I am the authorized card holder and that I gave them permission to charge the card over the phone, in order to " activate '' the vacation package I " purchased '' that day, American Express apparently can not do anything for me. They have no will to help their customers who are victims of pressure sales.
Product: Debt collection

I informed the agency to cease contact on XXXX XXXX, 2015. They have begun contacting every number they can cull from the Internet, which includes my work numbers. I am mailing another letter, along with this complaint number to ask them to cease contacting my employer again. They contact random numbers within my employer, please see attached email. I have informed them verbally to take the legal action that they need to take, they have continued to call. They yell, speak over me, and try to harass with a terse and harsh tone. They are acting like a dog which is all bark and no bite. I 've asked repeatedly for them to take their legal action and let the courts decide, but they just keep calling.
Product: Debt collection

I received a notification from my credit report that I owed a collection bill to ARS. I was not sure who this was or what it was for. After doing research I contacted ARS and they advised that they are a collection agency for XXXX XXXX XXXX and this was for a hospital bill. I advised that I had not received notification of this and would like to know more information because to my knowledge I did not owe this amount. The person became rude so I asked that she provide me the information for me to provide to my attorney to review before I proceeded with anything. At this time I was told to have the attorney contact them and hung up on. I then contacted back and was again told that they could not speak with me if I had an attorney, I advised that I never said that I had obtained representation, I stated that I was going to ask that my attorney review the information reported for advise. I then asked the representative I was now speaking with if it was standard practice to hang up on a customer, i was not rude or vulgur, I just wanted to understand what something is not that is now affecting my credit for such a minimal amount. She began to advise me that they can not speak with someone if they have an attorney, I again asked if it was practice to hang up on someone. I have gotten no where with this company, I still do not know what I am paying for. I want documentation on what I am being charged for and if that is unable to be provided I want this removed from my bureaus.
Product: Vehicle loan or lease

I HAVE A CAR LOAN WITH SANTANDER CONSUMER USA, THEY ARE NOT REPORTING MY GOOD PAYMETS TO ANY CREDIT REPORTS, I ALREADY CONTACT THEM TO TRIED TO FIX THIS PROBLEM BUT THEY SAID THAT THEY WILL NOT REPORT THE GOOD PAYMENTS ANYMORE, IT IS NOT FAIR THAT THEY NOT REPORT MY GOOD PAYMENT TO MY CREDIT REPORT, OTHERWISE IF I WILL NOT PAY MORE MY CAR THEY WILL REPORT MY DELINCUENT PAYMENT, THANK YOU
Product: Payday loan, title loan, personal loan, or advance loan

I've never had a loan of any kind with this company they are reporting g on my credit report as a bad loan. I want it removed! 

POSSIBLE FINANCIAL XXXX XXXX XXXX XXXX XXXX, NV XXXX
Product: Student loan

many times i have called navient with help with my loans. the monthly amounts are overbearing and they 've basically told me every time there is nkthing they can do to lower my amount. they have told me that there is no way to release my consigner when i asked if that would help lower payments. they have talked me into forbearance twice and i agreeed because i just simply could not afford to pay. i have been told before that my payments are not going to the balance of the loan that it says it is either. i am paying hundreds of dollars to never see a decrease in my balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my reinvestigation back from XXXX and Equifax regarding this account : XXXX XXXX ACCT # : XXXX. They stated everything was 100 % completed and updated as accurate. I would like to receive the description according to 15 USC 1681 ( i ) ( 7 ). Because this account is not accurate.

There are discrepancies in the date of last activity, date reported, date opened, closing date and the date of late made payment. I have included a screenshot of my most recent consumer report from SmartCredit.com comparing these inaccuracies as well as the most recent report directly from these bureaus. They did not modify or delete the information from my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).
Product: Bank account or service

I took out a {$5000.00} loan from my 401K because I had a family emergency, I deposited the check Friday XXXX/XXXX/2015 into my Wells Fargo Checking account. On Monday XXXX XXXX XXXX noticed online there was a notice stating my deposit was on hold and will not be available until Tuesday XXXX XXXX, 11days after the deposit date. I called the bank after I read the notice and I asked them to please help me cause I could n't wait that long because of the emergency that I had which was the main reason why I took the loan in the first place. They told me there was nothing they could do and that I had to wait. Since I could not wait that long, I asked to return my check so I can cashed it at XXXX XXXX XXXX XXXX. They said they could n't do that neither and that I had to wait. My dog die because I could n't afford for the emergency surgery and the medication that he needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX XXXX MO XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt nor any debt exist. These Accounts listed are not mines and should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX UNDER THE FAIR CREDIT REPORTING ACT, IF THEY CAN NOT VERIFY THE DEBT WITHIN 30 DAYS, THEN IT MUST BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

well on the XXXX XXXX XXXX  and the XXXX XXXX buy back card I am no longer an authorized user I was removed from those accounts but on my credit report its still showing I owe a balance when Im not an authorize user, also XXXX  XXXX XXXX  is still showing open when this account was paid in full and closed but the account is still showing open when it should be closed 2 years ago.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Credit card

American Express sold my XXXX Am Ex card to XXXX XXXX without my agreement or signature. Interest rates and fee terms are changing in favor of XXXX XXXX. APY are rising 2 %, pay cycle is shorter, and additional annual fee requirement forces me to maintain XXXX membership to avoid this fee. 
Calls to Am Ex and XXXX resulted in " there is nothing we can do, call [ the other company ] ''