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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX  ) XXXX Balance : {$4800.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX  XXXX  Inquired on XX/XX/2023 XXXX XXXX XXXX  Inquired on XX/XX/2023 ; XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report a XXXX XXXX account on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything. I contacted the creditor which is XXXX XXXX and they sent me the attached letter stating that they are unable to find an account for me. THIS IS NOT MY DEBT! I WANT THIS ACCOUNT REMOVED FROM MY EXPERIAN CREDIT REPORT IMMEDIATELY!
Product: Student loan

I have reason to believe, and do so believe, that this Navient Solutions did not loan me anything and I do not have any alleged debt with Navient Solutions. Pursuant to 15 USC 1602 ( f ), ( g ), ( l ). I have reason to believe, and do so believe, that this is a consumer credit transaction where I as the original creditor used my credit card, which is my social security card, to assign myself to the creditor by granting the right on the existing credit plan. Navient Solutions then at some point, purchased this alleged debt and is now attempting to collect on it fraudulently. I have reason to believe pursuant to 15 USC 1692j ( a ) Navient Solutions created and furnished a deceptive form in the attempt to make me the consumer think I got a loan and they are entitled to payment. I've sent a debt validation and cease and desist letter via certified mail, as well as a notarized affidavit via certified mail, and I have not received any response by mail. Navient Solutions has continued to report on my consumer credit report during this time, as well as attempt to communicate with me via telephone or email to collect upon the alleged debt with no regard for federal law nor my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account has been reported at closed for the XXXX billing cycle ending XX/XX/XXXX. Per the attached communication the process was stop and reversed on XX/XX/XXXX. XXXX XXXX still reported the account as closed which is incorrect.
Product: Mortgage

I have a conventional home loan with SoFi mortgage for which I have elected to receive only electronic documentation. In the last month I have become unable to access any information about the mortgage from the SoFi website. This include the remaining balance, upcoming payments, status of tax payments and insurance. I have tried several times to speak with customer service via phone and email and this has been unsuccessful in resolving the issue.
Product: Debt collection

Portfolio recovery. For the amount of XXXX. On my XXXX account what's showing XXXX collections. so I printed it out and sent that to XXXX and XXXX. A week later on my XXXX profile out of the blue start showing a collection. I have proof I can send you that as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

While requesting my ( 3 ) free annual credit reports at XXXX and after completing the online steps, I was able to download 2 of the 3 reports ( XXXX  & XXXX ) yet when I reached the final page to obtain the Experian report, their website stalled & would not download my report. After a few minutes, I was forced to refresh the webpage and after following the identity verification steps, the webpage stated that it had " timed out ''. The system thinks I've received that free 1-time report & therefore I believe I'll have to make another request which I'll have to pay for.

I proceeded to call both the phone number listed, as well as the one provided to me by your Consumerfinance.com representative, yet I could only access an automated phone system, which had no options to speak to anyone or even submit this request. 
I would simply like to receive my free report ASAP, and would appreciate any assistance on your part. 
Thank you!
Product: Debt collection

Account was opened in XX/XX/2011 supposedly in my name. I have contacted this company several times informing them of this matter ... ... .I have had harassing phone calls from them in the past and it has started back. This is an fraudulent account opened in my name without my permission. I have requested documentation from the company as far as anything linking me to this account like a copy of my identification or an application signed by me and by law I have the right to request this documentation. They have failed several times with providing me with this documentation. They are reporting this incorrect information to the credit bureaus and it is detrimental to my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/XXXX, I mailed a dispute with FTC documentation to Equifax disputing the inquiries below as unauthorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX On XX/XX/XXXX, I contacted Equifax regarding the above unauthorized inquires on my credit file to no avail. There was sadly a language barrier issue involving the representatives that I spoke with at Equifax, and they did not resolve any of the issues on my credit report listed above resulting in me filing a complaint with the FTC regarding this matter. These inquiries have negatively impacted my credit, and adversely impacted my ability to obtain new credit.
Product: Debt collection

I had car insurance with XXXX and I choose not to renew my policy with XXXX and they sent me to Credit Collections Services.I sent CCS as well as XXXX as requested my declaration page for my new insurance which began on XX/XX/XXXX my policy ended with XXXX on XX/XX/XXXX XXXX acknowledged my last payment was XX/XX/XXXX and XXXX balance due, but CCS refused to acknowledge they received the documents showing there is no debt and have as of XX/XX/XXXX reported this debt to the credit reporting agency.
Product: Money transfer, virtual currency, or money service

Square Cash, Inc without notice keeps blocking my transactions because I am a verified XXXX on XXXX with donations and transactions via Cash App. 

i recently ordered a Cash Card online on XX/XX/XXXX and they sent it and was severely delayed on the mail and i reordered one which the first one didnt came in after 3 weeks like after the XXXX i recieved from first time then i activated the first one while i recieved the second one after the XXXX shipped and i revieved it like a week later. 

today on friday XXXX the XXXX I was gon na send {$80.00} for a friend of mine and i used emojis. also they somehow like to block me and force verify me taking my info for their data misleading information of policy and sweepstakes. never won anything and misleading marketing tatic when they have NO LIVE SUPPORT ON THE PHONE AND SEVERE DELAYS ON SUPPORT. I recommend investigating Square Cashs Business tatics and force them to stop i mean STOP BLOCKING my transactions AND GLITCHES ON ACTIVATIONS ON CASH APP PLEASE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to view my score and it wouldnt let me.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX XXXX since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

THE COMPANY CHARGED OFF THIS ACCOUNT AND FILED ON THEIR TAX RETURN. 15 USC 1681 ( e ) B. I REQUESTED A 1099C AND HAVE NOT RECEIVED IT. ACCORDING TO THE IRS, THIS DEBT IS CONSIDERED CANCELED. THIS ACCOUNT SHOULD NO LONGER BE REPORTED WITH A BALANCE REQUESTING PAYMENT FROM ME. 

Account name XXXX  Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX
Product: Credit card or prepaid card

The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

COMENITYBANK/VICTO RIA XXXX
Product: Consumer Loan

In XXXX 2015 the fiance company TD auto repossessed my car by mistake it was awful not to say embrassed the tow truck came started taking my car when I told him it was a mistake that I was protected by Bankruptcy law and refused to believe me and called the police my neighbors were woken up. The next morning called the fiance company the person to whom I spoke with was rude and would not listen to me cold not go to work for 2 days lost pay and not to say I was embrassed after many phone calls finally someone told me it was a mistake and sent me a letter of aplogy and the tow driver brought my car back in the night will repo stickers still on. I think they should at least do something for the money I lost and the anxiety I went thur. Thank you for listening
Product: Credit reporting or other personal consumer reports

Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  in persons under 22 U.S.C. {$7100.00} ( 11 ) or XXXX XXXX under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142. My credit report was affected by debt bondage.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USA 1681. The accounts below have violated mi rights. 15 u.s.e 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaceurate. 
Delete the hard inquiries below : 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

XXXX failed to protect my personally identifiable information and that of my family. In order to best prevent the misuse of this information with the credit bureaus, I must pay {$10.00} for each bureau to freeze my credit reports for a total of {$30.00} for each member of my family. This creates a significant expense not only for my family but for the approximate 143 million Americans impacted. While many states have laws preventing the collection of this fee, this is no universal. If everyone freezes their report with XXXX and must pay this fee, this breach could generate a potential revenue " wind fall '' for XXXX. Additionally, XXXX and TransUnion could similarly profit. XXXX, especially, should not be allowed to profit from their negligence and failure to provide " due care ''. 

Additionally, removing a freeze creates similar charges as does reapplying the freeze after applying for credit. There is also a cost in time for completing the freeze and removal requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking you to immediately delete information off of my credit report that isnt mine. I believe that this account is not mine and that my identity may have been stolen. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature, If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Product: Bank account or service

Hello, I am a customer of Wells Fargo. I had XXXX accounts with them. I opened a second checking account with them when I found it would work better for my family. When moved over to that account, I was suddenly hit with a ton of overdraft charges in the other account. I wrote an e-mail to them, and the account was closed. I thought that was the end of business with that account because it was all fees that over-drafted the account. So, I moved money to my savings account the other day. It was automatically taken out to pay for the other account. I never received any documentation saying I owed them money, and I counted on that money in the saving account to pay my property taxes. I just think closing that account and not telling me that I still owed them money was wrong. I have legal insurance and will seek help from an attorney. They should have at least sent me a bill. What they did was wrong and unthinkable. As I said, a simple bill would have sufficed. I will try to move all of my accounts from that bank. I thought they were over the bad practices, and I was wrong.
Product: Credit reporting or other personal consumer reports

The vehicle was damaged and towed due to auto collision. The company repossessed the vehicle from a tow lot and sold it. The wrote the vehicle off and got credit but never sent 1099C. In addition I had the vehicle 6 months and paid a total of XXXX at the time of repossion. The total price for the vehicle was {$23000.00} the company carried insurance to cover damages as well. They are reporting the balance as XXXX although they have been paid several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 reporting of late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to keep my personal information secure and it was subsequently compromised in the security breach. I am now concerned about my private information ( including my social security number, address and drivers license number ) being in the wrong hands. Upon checking my credit report, it appears someone has already attempted to steal my identity.
Product: Vehicle loan or lease

Completed a 30 month lease with Audi Financial Services for a 2016 XXXX XXXX. 

Lease was fully paid, on-time and never late once through VW Credit ( XXXX XXXX ). 

A few days prior to the lease turn-in date, the car was impounded by the Police. 

I was unable to return the vehicle on-time and XXXX put a {$39000.00} hit on my Credit.

The vehicle was recovered by XXXX and they are in possession of the Car now. 

The pending court case got dismissed and XXXX ( VA ) County is liable for damages. 

After numerous calls with XXXX ( VW Credit ) and the Credit Bureaus this amount is still fraudulently being reported on my Credit report, dropping my FICO score by over 100 pts. 

The only charges I am responsible for are Mileage, Wear/Tear, and Deposition Fee. 

This compliant is to dispute this amount with the FTC as Fraud and Inaccurate.
Product: Mortgage

Dear Bank Of America I am requested assistance regarding HELOC from XXXX. 
I have been trying to resolve matter for some time now. 
I faxed a request for copies of all withdraws ( checks/wire/other ) and payments ( checks/wire/other ) and or reference to confirm whom completed or received funds. 
to my knowledge I have not received a response Would you also confirm whom is the borrower. 
See transaction history a withdrawals up to XXXX on XXXX/XXXX/XXXX that was not authorized as well as XXXX XXXX/XXXX/XXXX - see all withdrawals It appears I was deceived, mislead regarding HELOC and did not understand and no one will answer questions for clarity. 
I did not agree to HELOC someone/entity withdrawing funds from account without my knowledge or approval.
Product: Checking or savings account

I have received a letter from Truist Bank informing me I have an account that closed and I owe the balance plus late fees. I have never had an account with them. I now have an open police report active and my credit frozen along with my usual bank. This is a case of identity theft, someone opened and closed an account with my person information including XXXX. Any and all attempts to open further accounts in my name, XXXX XXXX XXXX, should be treated as fraud until I am able to secure my accounts.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX XXXX XXXX : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  Balance : {$1600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX  Balance : {$250.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  Balance : {$90.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX  Balance : {$190.00} ; XXXX  XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting act protects consumers from inaccurate, incomplete and/or unverifiable information and these must be removed or corrected within 30 DAYS. 
Accounts : 1. XXXX  XXXX ( 2017 Account ) 2. XXXX XXXX  3. XXXX XXXX XXXX ( XXXX XXXX  ) In addition, there are a number of credit accounts which have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed : 1. XXXX  XXXX ( XXXX  Account )
Product: Credit card or prepaid card

XXXX by Remitly is a debit card for immigrants. I am in US, my husband in XXXX. We both obtained XXXX Debit cards that I could load from my US bank acct to the cards so my husband could withdraw funds in XXXX. I typically deposited small amounts. In XXXX ( posted XX/XX/XXXX ) I deposited a large amount {$500.00} and {$300.00} as he urgently needed the funds to pay for lodging and food as we await his US Visa. XXXX  FROZE AND LOCKED both our cards stating they did not have to tell us the reason. They now have approx {$850.00} from my husbands account ( XXXX XXXX ) and I think {$42.00} in mineI can not see amounts as they have locked the app on me too. I have written and called and chatted with their custoner service teams multiple times daily they only say we will call you back in 1-2 hours, but NOONE EVER CALLS. I have spoken MANY times MANY HOURS on the telephone and they say they will escalate to supervisor who will call me in 1-2 hours never any calls back. I went in their XXXX page Remitly to seek help and see this is happening regularly to MANY PEOPLE, They respond in a XXXX telling you to write their email which is again a scam! I need my money back!! Please help!
Product: Credit reporting or other personal consumer reports

The following information regarding late payments are inaccurate:

XXXX XXXX XXXX XXXX XXXX