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

On XX/XX/25 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX and Inquiries. This has cause me great anxiety, stress, and financial hardship.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XX/XX/XXXX {$3600.00} There also were inquiries that i obtained without my knowledge. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX. I request that my name be updated to reflect the correct information. 

XXXX. Address : My current residential address is XXXX XXXX XXXX XXXX APT XXXX, XXXX FL XXXX. I request that my current address be updated accordingly. 

XXXX. Date of Birth : XX/XX/year> XXXX. Previous Address ( es ) : XXXX XXXX XXXX AV XXXX XXXX XXXX XXXX, FL XXXX XXXX. Employers : XXXX XXXX
Product: Credit card or prepaid card

I reported to the issuer of my XXXX XXXX that there has been a fraudulent or unauthorized charge to my card on several occasions. 
Each time was with instructions to complete a form. I submitted the forms with no reply. 
The only item was yet another charge on my card each month. 
On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX my card was charged {$16.00}. I attempted to contact the company regarding the charge with no response. The company deletes messages after 120 days, so I do not have record of each of the messages as they have deleted them from the website. I received a form to complete and return, which I did sometime in XXXX or XXXX XXXX. I received no response. 
However, my final frustrated request was on XXXX XXXX, XXXX demanding that the fraudulent charges be refunded and that my account be closed. They replied that they will report my non payment to the national credit reporting agency even though I have reported this as fraudulent. When I logged in to their website this evening, I see now they have charged me late payment fee of {$16.00}. Sort of ironic as each of the fraudulent charges were for {$16.00}. I am furious at the inaction of Comenity Bank regarding my account. 

I have no documents to upload other than the statements as I have not received anything from the XXXX XXXX CT.
Product: Debt collection

. I received a letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX, regarding the alleged debt. The letter contained amount, plus any fees, and interest owed so far ( those were {$0.00} ). Under the Fair Debt Collection Practices Act, Section 809 ( b ), I requested validation of the debt by email by sending an email to XXXX XXXX XXXX XXXX  ( XXXX ). Email is dated XX/XX/XXXX ( deadline to reply set by XXXX XXXX XXXX XXXX  in their original letter was XX/XX/XXXX ). Email is attached to the complaint. 

. In this email, I specifically requested the following information : => The amount of the debt as received by the original creditor ; => The name and full address of the original creditor ; => Documentation proving that I have a legal obligation to pay this debt ; => Verification that the debt is within the statute of limitations. 

. In a letter dated XX/XX/XXXX, I received copies of credit card statements in return to my request for validation ( in chronological disorder ). 

. On XX/XX/XXXX, I send another email to XXXX XXXX XXXX XXXX  and gave them another chance to reply to my original debt validation, and was provided more details about what I was asking, as shown below : Why you think I owe the debt and to whom I owe it : Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. I am, in other words, requesting documentation that verifies I owe the debt, such as a copy of the original contract. 
The amount and age of the debt, including : A copy of the last billing statement only, sent to me by the original creditor ; State the amount of the debt when you obtained it, and when that was ; Tell me when the creditor claims this debt became due and when it became delinquent ; Identify the date of the last payment made on this account ; Have you made a determination that this debt is within the statute of limitations applicable to it? 
Tell me when you think the statute of limitations expires for this debt, and how you determined that. 
Details about your authority to collect the debt : I need more information about your firm before I discuss the debt with you. 
Does your firm have a debt collection license from California? If not, state why not. If so, provide the date of the license, license number, and the name, address and telephone number of the state agency issuing the license ; If you are contacting me from a place outside of the state of California : does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

. In a letter dated XX/XX/XXXX, the answer remained the same : I received copies of credit card statements, without any additional information regarding the authority of XXXX XXXX XXXX XXXX  to collect the alleged debt. 

As of today, XX/XX/XXXX, 3 months after I received the initial letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX, I consider the debt has not been properly validated and its ownership verified as requested.
Product: Credit reporting or other personal consumer reports

XXXX 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 : XXXX to file a report Per FCRA XXXX XXXX Credit Reporting XXXX XXXX XXXX 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 BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Product: Credit reporting or other personal consumer reports

XXXX : XXXX XXXX XXXX - NEGATIVE *ACCOUNT PAID, NEVER LATE XXXX XXXX XXXX - NEGATIVE *No knowledge of this account XXXX XXXX  - NEGATIVE *No knowledge of this account Self Financial/Lead BA - NEGATIVE *Account paid, closed Self Financial/Lead BA - NEGATIVE *Account paid, closed XXXX  XXXX XXXX XXXX - NEGATIVE *No Knowledge of this account XXXX XXXX XXXX  COLLECTION - NEGATIVE *Account not mine, reached out to company to remove and has been delete from other credit bureaus Inquiries : XXXX - NEGATIVE *Ive previously disputed this Consumer XXXX XXXX - NEGATIVE *Ive previously disputed this XXXX XXXX - NEGATIVE *Ive previously disputed this XXXX XXXX XXXX  - NEGATIVE *Ive previously disputed this XXXX XXXX - NEGATIVE *Ive previously disputed this XXXX XXXX- NEGATIVE *Ive previously disputed this XXXX XXXX XXXX - NEGATIVE XXXX XXXX XXXX - NEGATIVE Ascend XXXX  - NEGATIVE XXXX  - NEGATIVE XXXX XXXX - NEGATIVE XXXX XXXX XXXX - NEGATIVE *Ive previously disputed this
Product: Credit reporting or other personal consumer reports

This account was opened on the following data XX/XX/XXXX in XXXX, XX/XX/XXXX in XXXX.And Equifax XX/XX/XXXX, this is wrond ... and the Date last active XXXX in XXXX and XX/XX/XXXX in XXXX Equifax XXXXthis is wrond this inaccurate obtain credit XXXX failed to investigate this account properly after I repeated ask to have the accound update your neglect has once again violated my consumer rights. I am demanding a delete of the following account : XXXX XXXX XXXX XXXX Having this wrong information in my report is illegal. I told you to investigate this account well, not doing so is affecting my ability to obtain credit, please delete them as soon as possible, this is the third time I have told you to investigate well and this information is wrong, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE FIND THE ATTACHED DOCUMENT WITH THE DEROGATORY ACCOUNTS THAT HAS BEEN TARNISHING MY CREDIT AND MY SSN. THE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT AND I WOULD LIKE FOR THEM TO BE REMOVED IMMEDIATELY. THIS SITUATION HAS ME DISTRESSED AND I CAN'T BELIEVE SUCH THING IS HAPPENING TO ME. I HAVE NEVER HAD NEGATIVE ITEM ON MY CREDIT AND BECAUSE OF THIS IT IS HARD TO ACQUIRE NEW CREDIT.
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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Checking or savings account

Dear Bank of America Customer Service, I am writing to formally express my concern and dissatisfaction regarding the sudden and unjustified closure of my checking account. I have been a Bank of America customer since XX/XX/year>, and I have used my account without any issues until now. 

Currently, I am temporarily residing in XXXX XXXX, and I have been using my Bank of America account seamlessly while abroad. Recently, I transferred approximately {$35000.00} to XXXX for personal investment purposes. However, following this transaction, my account was abruptly closed without any prior notice or explanation. 

I have previously conducted similar personal investment transactions without any issues. The sudden decision to close my account without providing a clear reason is extremely disappointing and concerning. I believe I have the right to understand the rationale behind this action and to dispute any wrongful decision made against my account. 

I request a formal review of my account closure and a detailed explanation of the reason behind it. If there was any misunderstanding, I would like the opportunity to clarify and resolve the issue. Furthermore, I urge you to reconsider reinstating my account. 

Please provide a response at your earliest convenience. I expect a prompt and fair resolution to this matter. You may reach me at [ Your Email ] or [ Your Phone Number ] for any further discussion.

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries with out my authorization by the following businesss 700crXXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On the XXXX of XX/XX/XXXX I received a phone call from TD Bank asking if I was in the bank withdrawing XXXX, I said no I am at home... than I heard the teller say " do not give that man that withdraw it is not Mr.Began '' No further phone call from TD Bank NOTHING... I went directly to my local branch and had them show me my accounts, 20 Years with is bank .... from XXXX thur XX/XX/XXXX someone used a fraudulent Debit card with a pin and withdrew XXXX It was not until the teller on the XXXX of XXXX called to verify... 

I filed a Affidavit of Unauthorized withdraws, and had to close accounts TD Bank XXXX NJ XXXX XXXX took my report Received a statement, they deny my claim and reason THE CHIP AND PIN WERE USED ..... 

They have the video surveillance of these times this man waled in there branches as he were I, they will not give us any help with what if any investigation was done .... 
I am also filing with the FTC, they explained to file with you also, for the unjust treatment and XXXX TD Bank thinks they can get away with thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and I noticed this account is closed but hasn't been removed from my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting or other personal consumer reports

I am aXX/XX/XXXX. The information listed below, which appears on my credit report, is the result of thatXX/XX/XXXX 

XXXX # XXXX XX/XX/year> -- {$5000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>
Product: Debt collection

Valor Solar installed solar panels but I am still paying to the electric company a huge bill every month.What is the use of Solar panels if I have to pay XXXX XXXX  and Electric Company XXXX XXXX keeps responding that it will reply to complain but it never happened 2- XXXX  XXXX assured us that solar panels would be enough for single-family homes and we don't have to pay the electric company. 

XXXX Goodleap lender by XXXX XXXX XXXX for {$65000.00} We were told the loan was for {$40000.00} and it would be taken care of by a different option and we would not charged XXXX XXXX XXXX is responsible for the worst service & false promises. 
Its since XX/XX/2023 XXXX XXXX approached installation in XX/XX/2023 and billing started in XX/XX/2023 XXXX paid XX/XX/2023 bill to Solar company than I was receiving bills from XXXX electric company for {$500.00} to {$1000.00} its not fair I stopped paying to solar company and request to see whats problem but till today no response. I was reported to credit company my score dropped from high to low and unable me get any credit card or loan I am retired old person its hard for me. 
I request to REMOVE solar panels immediately, I can not pay {$65000.00} for worst service. 
I never thought of this fraud
Product: Debt collection

This is a follow up to my complaint XXXX from almost a year ago. TSI keeps claiming that my insurance was billed but has failed to provide proof. It has been a year of them forwarding me the same bill from XXXX XXXX instead of any communication from my primary insurance. I did see last year that my complaint XXXX was closed, but did not see until now that feedback had been requested from me about how TSI has responded to my complaint. Would you please intervene by either reopening complaint XXXX or starting a new complaint. It has been a year of back and forth with no resolution.
Product: Money transfer, virtual currency, or money service

Concerning Coinbase, headquartered in XXXX XXXX, California. 

International payment, value XXXX GPB, or XXXX EUR, made XX/XX/XXXX. No payment received into my online trading account. Escalated XX/XX/XXXX on the online support form. Confirmed shortly thereafter by phone that payment had been received but they were ascertaining whether this payment could be forwarded to my Coinbase trading account or refunded. 

As of XX/XX/XXXX, over three months later, after repeated phone calls with no information offered, and repeated emails each time an automated response, I'm escalating the problem with the CFPB.
Product: Mortgage

I received the attached check, # XXXX, dated XX/XX/2022, for vendor name XXXX XXXX, vendor num XXXX, amount of {$26.00}, with check stub date XXXX, for invoice/credit memo XX/XX/2022, description of XXXX # XXXX. I request all documentation to substantiate the issuance of this check, copy attached, for so-called invoice from XX/XX/2022 for vendor name XXXX XXXX , vendor num XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX is being reported on my credit reports that are not correct nor have I been notified of this delinquent debt. I have never been to court to confirm any paternity for any children. This account does not belong to me. I have contacted the company several times and no response
Product: Credit reporting or other personal consumer reports

Hey I was looking at my report and notice there were some things that was not correct. I sent a letter to XXXX on XX/XX/2023 here is my tracking number XXXX. But it has been more than 35 days since the credit bureaus haven't responded. That a violation of 15 USC 1681 ( a ) ( 1 ) ( A ) Under 15 USC 1681 ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. Ive attached all the inquires I the Identity Theft Report Affidavit attached to this complaint. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and discovered invalid personal information along with fraudulent Collection account named : XXXX XXXX XXXX opened XXXX in the amount of {$450.00} which is inconsistent with its reporting across all XXXX credit bureaus and several inquires appeared on my report. I have contacted the company to remove it and sent them my UNITED STATES POSTAL POLICE report and FTC report.It has been several months and I haven't gotten anything from the company as requested for the Debt Validation showing what application that has my signature applying for credit from them and authorization to access my file. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX is alleging that I owe them a credit card balance. Upon requesting a debt validation and verification. They failed to provide me with any information, instead they are requesting i send them personal information. 

XXXX. Comenity bank XXXX # XXXX is alleging I owe them on a credit card balance that went to charge off. I never made any payment as I was unaware and this account was opened fraudulently. Upon requesting debt validation, verification, signature of where I signed this alleged debt. They failed to produce any information. 

XXXX. XXXX XXXX XXXX XXXX is alleging I owe for a chargeoff. Where I have no knowledge. Upon requesting for debt verification and validation. They failed to produce any proof. The following accounts are not mines. And I want them to be deleted from my credit bureau.
Product: Credit card

Discover card lowered my credit rating and removed over XXXX worth of credit from my credit line based on an inquiry that " just happened '' to be at the highest point of my credit debt. This occurred in XXXX 2016. In the last 60 days I have paid off XXXX worth of credit card debt and Discover will not do another inquiry for me, without doing a hard credit pull, to ascertain if I am worthy of more credit. I have several credit cards and all of them are in good standing. None of them have requested a credit line decrease.