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

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX called with harassment calls saying wages will be taken
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX Balance : {$2600.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$890.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX DXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Mortgage

CitiMortgage said " They would give me a Harp loan if I stop making payments on XXXX loan for a 3 month trial period.
Product: Checking or savings account

First Hawaiian Bank closed my checking account and gave the fund in my account to the XXXX XXXX w/o telling me! They cited that I had not used my account in over a year. But I have had non-activities with my checking account before and what they did in the past was charge me $ XXXX and they quickly refunded it as soon as I called customer service. But this time, they put my account into dormant situation and actually closed it and gave my balance away! At the time, I had over {$700.00} in my account. So this closure isnt due to negative balance or anything. 


I called their customer service number XXXX around early to mid XXXX to inquire about it. First they said they my account would go into dormant if there were no activities for 3 years, then they changed the time frame to 1 year as soon as they saw activities dating back XX/XX/2019 ( less than 2 years ago ). Then they said they would help me get my account and balance back. They claimed that they contacted their XXXX branch ( where I opened my account ) and someone at the XXXX branch will contact me but i have not been contacted by any of them! It is as if they just ignored me and my issue! 

My email and phone number are both up-to-date with First Hawaiian.
Product: Credit card or prepaid card

On XX/XX/XXXX a merchant, XXXX XXXX XXXX XXXX, double charged me for services. I called Well Fargo to dispute the second charge. After Wells Fargos investigation, they determined that my dispute claim is denied. After the denial, I call Wells Fargo on XX/XX/XXXX to get a better understanding of the claim denial. In turn, the supplied with a new credit card I did not ask for and ultimately never resolved my claim.
Product: Debt collection

XX/XX/2022, I received a notification on my credit report that a derogatory remark had been placed by Aldous and Associates P.L.L.C. I have never received any form of written communication either via email or letter from this company about a balance/debt, let alone a chance to dispute such a debt. I received spam robocalls from the company number out of Utah. When I answered it was an an automated robocaller. Any voicemail I had ever received was just an automated phone number. No voicemail ever disclosed I had a debt to settle or an urgent matter at hand. I called the company-who still has not given me my account number. I explained the situation and they refuse to remove the derogatory remark on my credit even though I physically never received any written correspondence or verbal correspondence for that matter. I was willing to pay off a balance of {$76.00} that I had no idea existed but seeing my situation I requested the comment be taken off my credit report. When I asked to speak to someone higher I was told that was not possible by XXXX XXXX. I asked to leave a message and he then hung up on me. So I am still without an account number and unable to pay off this balance that I had no awareness of until today when my credit report flagged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to secure financing on vehicle and the financing company uses Equifax. There is a fraud alert on my account due to the Equifax breach years ago. On the first credit inquiry the financing company told me the phone number is incorrect and I contact Equifax XX/XX/XXXX and was told to fax in to forms of Id and pertinent information on my phone numbers. I did that the 2nd week of XXXX. The financing company attempted another credit inquiry and got the same results invalid phone number a week latter. I contacted Equifax again and was told they could not read the driver license and to mail in a copy. I did that the same day. Again the financing company recieved an invalid phone a week later. I contacted Equifax again on XX/XX/XXXX. I was in XXXX 5 streets from their corporate headquarters and volunteer to present my driver 's in person. They told me I had to mail in my request. So I went to the Post Office in thier same zip code one block from their office and mailed the second letter on XX/XX/XXXX. The finance company continue to receive the same invalid phone a week later. I again contacted Equifax on XX/XX/XXXX and again was told the only recourse I have is to mail in my request. I again went the same Post Office and mailed my third request in to Equifax. This financing based based on some incentives from the car manufacturer, which I'm now going to lose due to the inability of Equifax to process one of my 3 attempts to supply my driver 's licence by mail. I would like a review to be completed on their inability to process mail request and reimbursement of the funds I have lost.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. # # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : XXXXXXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX 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 XXXXXXXX, XX/XX/XXXX ( XXXX ) These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. # # # Inaccurate Collection Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : XXXX Balance : {$100.00} XXXXXXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX : XX/XX/XXXX Direccin : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX These accounts are either fully paid or incorrectly reported, and their continued reporting is a violation of my rights under the FCRA, as it misrepresents my credit history and unfairly impacts my creditworthiness. # # # Legal Basis for My Dispute : The FCRA mandates that consumer reporting agencies and furnishers of information ensure the accuracy, fairness, and privacy of information included in credit reports. The unauthorized inquiries and misreported collection accounts violate the following sections : - 15 U.S.C. 1681b ( c ) : Permissible purposes of consumer reports, restricting access only to those with legitimate authorization. - 15 U.S.C. 1681s-2 ( b ) : Responsibilities of furnishers to correct and update information after receiving a dispute. - 15 U.S.C. 1681e ( b ) : Ensuring maximum possible accuracy of the information contained in consumer reports. Additionally, the Federal Trade Commission ( FTC ) has issued clear guidelines supporting consumer rights in such disputes. Failure to rectify these errors promptly could lead to further legal action, including penalties under the FCRA
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # XXXX XXXX report as a charge off by a debt buyer and has inflate the balance. suppress any information unauthorized by consent.1681q obtaining information under false pretenses : any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined XXXX.1681r unauthorized disclosures by officers or employees : providing information concerning any individual from the agency files to a person not authorize to receive that information shall be fined {$5000.00}. Section 5 ( a ) of the FTC ACT 15 USC 45 ( a ) prohibit, unfair, or deceptive acts or practices in or affecting commerce.According to the ( debt bondage repair act ) prohibits, a consumer reporting agency from reporting adverse credit information about a consumer that is the result of severe trafficking in financial information. I fraudulent misrepresentation is unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate 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 appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX items on my credit report that was n't opened by myself and I do n't have any knowledge of these account they were open during the time I was incararated. XXXX XXXX, XXXX XXXX and XXXX XXXX
Product: Student loan

My loan goes back to SM in XXXX taken out I believe for XXXX College ( this college is closed now ). I have been making payments since this date. I went on the site and the college they are listing is not my college on the load??? XXXX XXXX College in XXXX. I spoke with an XXXX XXXX who is now researching this. I informed him I am not paying on this loan until I get clarification. He told me I don't qualify for stopping payments and/or forbearance??? I don't trust them now but if I don't pay I'm afraid my credit will be affected!! If the college closes I thought the loan could be dismissed but he also told me it depends on the circumstances. Please help me if you can. I know there have been several issues with Navient ( mine is a private loan ).
Product: Credit card

UNCLOSED ACCOUNT after several request. CREDIT BALANCE origin is unknown. 
XXXX. Requested the closure of credit card about a year ago XXXX verbally. It remained open. 
XXXX. XXXX request sent certified mail through the XXXX Postal Service. Receipt confirmed. 
XXXX. Today, XXXX XXXX, a check in the amount of {$75.00} was received in the mail. The certified mail noted that the {$75.00} credit does not belong to me. 
XXXX. Placed a ticked off phone call today XXXX XXXX, 2015 to XXXX XXXX XXXX at XXXX MDT. This phone number is listed on their check # XXXX with a letter attached above the check. I called to let the answerer know that this money does not belong to me. She suggested I take it to a Bank of America. I stated several times it is not my money. 
Through out the recorded conversation by the Credit Card Issuer, I could not verify whether this account is opened or closed. She demanded my social security number ; I provided the last XXXX digit. She demanded my mother 's maiden name ; I refused. She wanted an account number which she was provided from the recent and only statement I have ever received. She requested my mailing address, which she was provided. 

It seem ; the intent is to keep this credit card open on an unknown generated credit of {$75.00} ; perhaps even superficial to keep this account open. I have not charged on this account. I HAVE NOT MADE XXXX PAYMENT ON THIS ACCOUNT. There seem to be no effort on their part to close this account. HELP ... HELP ... HELP ... PUHLEEZE ... ..
Product: Money transfer, virtual currency, or money service

The company is Small World Money Transfer I have reached out to this company numerous times and still my transaction is supposedly under review since XX/XX/2023 but they had sent emails telling me that they don't know when my transaction will be completed and sent but offer no solutions. I just want my money returned this company has numerous complaints against them but is Still allowed to operate without investigation. Some times the phone number works and it's difficult to reach them I just want the return of my money. I made 2 transactions the same day {$10.00} each totalling {$20.00} I DO NOT WISH TO DO BUSINESS WITH THIS COMPANY ANY FURTHER I WANT MY MONEY BACK.
Product: Credit reporting or other personal consumer reports

I opted out of all authorization from XXXX XXXX XXXX XXXX. They are debt collection company which means the debt has already been charged off and paid to the original creditor. This is considered a certificate of indebtedness which is considered income and by law income can not be reported to my credit report. 

Privacy Act of 1974 " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).
Product: Credit reporting or other personal consumer reports

The accounts listed below still reporting as erroneous despite my record shows that this accounts was Paid as Agreed. In violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not correct these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

On my XXXX Credit report theirs is one negative item that's 80 days past due its a fraud account last four XXXX it supposed to be removed from my XXXX XXXX file I have a federal trade commission identity theft report on and on experian theirs two negative items that supposed to be removed from my experian credit report I have a federal trade commission identity theft report on file and XXXX XXXX theirs is three negative items that supposed to be removed from my XXXX report
Product: Credit reporting or other personal consumer reports

Equifax has had a data breach and which Ive never given consent to give any information out.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth attempts 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, delete the noteworthy of any information in my credit record that came about due to an alleged fraud. The following items are inaccurate and needs to be removed : DEPT OF EDXXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$760.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXX Inquiry : XX/XX/XXXX ; DEPT OF ED / XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX XXXX XXXX Balance {$760.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXXXXXX XXXX Inquiry XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I was contacted by text message ; the sender came through as USPS. No number was attached with contact. I thought nothing of it because I was expecting a package from USPS that week, but for some reason that message had a link with it, and it wanted me to click the link because my package had gotten lost and wanted me to update my information. Once I clicked the link, I knew it was a scam, but I didn't think my personal information was leaked. couple days later I gotten alert on my phone saying that I should change all my passwords due to security alert. I had a lot of important formation on my phone like, my ID, passport social security number. 
within these past two years as I now started understanding credit and looking at my credit report, I noticed plenty of unauthorized hard inquires on my report and collection accounts that are not mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Unauthorized/Inaccurate Credit Inquiries Dear Equifax , TransUnion, Experian Dispute Department , I am writing to formally dispute unauthorized or inaccurate inquiries that appear on my credit report. I placed a security freeze on my credit but Upon reviewing my credit report, I noticed the following inquiries that I DID NOT authorize but was added on my credit report by XXXX XXXX : List of Unauthorized Inquiries : New Home Equity Loan as of XXXX According to the Fair Credit Reporting Act ( FCRA ), a company must have my written permission to access my credit report. I did not grant such authorization for the inquiries listed above. Therefore, I request that these inquiries be removed from my credit report immediately. 

Enclosed, I have included a copy of my credit report with the disputed inquiries highlighted, as well as a copy of my drivers license and a utility bill ( or another proof of identity ) for verification purposes. 

Please investigate this matter and remove the unauthorized inquiries from my credit report. I request a written response confirming the results of your investigation. If these inquiries are not removed, please provide documentation proving that I authorized them. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in ensuring the accuracy of my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Upon checking my credit report, I found a collection account from Phoenix Financial Services. 

I have not received any contact from PFS in reference to this matter, either my phone, email, or US Mail. I do not owe any debt, and have no knowledge of ever doing business with PFS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of inquiries in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX