23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had my identity stolen and a bunch of credit cards opened in my name without my knowledge or approval. I have gotten all of them taken off except XXXX with XXXX account # XXXX which also turned into a collection account with a company called ARS National Services. I keep getting phone calls from ARS National Services trying to collect over {$2000.00} from me which is not my debt. Each time I give them my social security number they tell me that 's not correct, when I tell them this was from identity theft they do n't believe me. I have sent all the credit bureaus, ARS National and XXXX copies of police reports, my identification documents, letters stating this was all from identity theft and they need to remove it all from my name immediately ( many letters ). They refuse to delete and keep calling to collect, keep reporting this negatively on my credit report also. This is hurting my credit score, my credit report and my life. I have been fighting this since XXXX 2015. ARS National Services refuses to send me any proof of this debt also when I ask. They say since the social security number does n't match they ca n't send me anything on it but they refuse to take me off the debt that I did not incur. I need your help in getting this resolved and my name removed from this un-related debt and my credit report fixed also. Please help me, I have exhausted all my efforts up until now.
Product: Credit reporting or other personal consumer reports

I was never late on this account. 
Please show me documentation showing proof of such transactions. Showing that I was ever late to support your inaccurate reporting on my account. If you can not supple this please delete this alleged late payments from my credit report. FCRA allows 30 days for this to be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw inquiries I did not recognize contacted the bureaus created a fraud alert and made a ftc complaint the inquiries do not belong to me the companies of the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX INQURIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report in XXXX and noticed inquiries that I do not recognize. I sent the creditor a dispute letter asking for proof of authorization. Their response is as quote : " You recently disputed certain information contained in your credit report and requested that we conduct an investigation. We will not be able to investigate this dispute per FCRA as it relates to an inquiry or request for a consumer report. '' This is a direct violation of my rights under FCRA 611.
Product: Debt collection

On XX/XX/XXXX I reached out to this company because it appeared on my credit report. I called this company twice and they did not answer. They finally returned my call and was very rude and unhelpful. They informed me that 5 years after I moved out of my last location someone opened an account in my name. This account has been disputed in the past with a previous debt collector that transferred it to zions debt collectors. It was disputed as fraud. I have not lived at the said location since XXXX and due to that it was disputed with the credit bureaus and removed until apparently sold to zions debt collectors. It has since been in dispute again with all credit bureaus and currently under review. I have NEVER had a XXXX account. I dont even know what XXXX is. All of my accounts that I currently have open are in Georgia and they are all in good standing. I have never opened this account and zions debt collectors are very rude. They need to complete their research before placing items on credit reports and help the consumer to resolve these issues as any other debt collector may. They were not helpful and basically told me they werent doing anything until I got it removed myself. This company is fraudulent!!
Product: Checking or savings account

I have been having trouble opening up a bank account ( Checking/Savings ) due to past history with Fifth Third bank. My account was confiscated and eventually closed due to the activity on the account. I have not been able to open up a bank account anywhere due to this problem. Fifth Third bank have not responded to me in the past to get this resolved.
Product: Student loan

My loans were sold from Nelnet to XXXX. But Nelnet is still reporting them on my credit report as owing them, instead of updating them as transferred. So my report is showing that I owe XXXX dollars instead of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my identity to open several accounts and i've been trying to get the last account removed from my credit file but experian keeps saying its been verified. This has been very frustrating because i'm trying to refinance my house and get my life back on track. XXXX XXXX- XXXX opened XX/XX/2019 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 accounts 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. 
Please remove these accounts XXXX XXXX XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Hi XXXX, I just received a copy of my credit report and I realize this fraud credit card still reported on my credit. This fraud account from XXXX XXXX was opened without my knowledge and shall delete from my credit report. I also found those XXXX fraud inquiries that was not authorized by me. 


XXXX XXXX inquiry date : XX/XX/202XXXX XXXX XXXX inquiry Date : XX/XX/2024 XXXX XXXX XXXX inquiry Date : XX/XX/2024 XXXX  ( Finance ) inquiry date : XX/XX/202XXXX XXXX XXXX ( Auto ) inquiry Date : XX/XX/2024 XXXX XXXX ( Finance ) inquiry Date : XX/XX/2024 I am aware that, as per ( 15 USC 1681 A and 15 USC 1666 B ), you are required to complete this reinvestigation or delete this fraud account within 30 days.
Product: Credit reporting

I TRIED TO FILE DISPUTE ONLINE, AND UNABLE TO DO S SO WITH EXPERIAN AND EQUIFAX ; HOWEVER, I SUCCESSFULLY SUBMITTED A DISPUTE FORM/ WITH XXXX . AT THIS TIME, XXXX IS THE ONLY COMPANY THAT HAS MY REPORT CLOSE TO ACCURACY.
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 this violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My spouse opened up a XXXX credit card and I was added as an authorized user. However, at the end of XX/XX/XXXX/ beginning of XX/XX/2019, my spouse removed me as an authorized user. However, XXXX is still reporting to the credit bureaus that I am an authorized user and that I still have responsibility of this account. My spouse has let this card go delinquent and has used over the credit limit and this is personally still affecting my credit score. I contacted XXXX on XX/XX/19, and it was confirmed that I am no longer an authorized user and that I would need to find resolution with the credit bureau as she could not discuss the account with me.
Product: Mortgage

I am the XXXX of my father 's estate. Rushmore Loan Management ( RLM ) recently transferred this mortgage to Rushmore Servicing ( RS ). RLM processed the order in a timely manner and I was able to do what I needed to do to make sure the loan was in good standing as I am required to do as XXXX. 

RS first claimed that I was not anywhere on the loan at all despite their own invoices listing me in the c/o ( care of ) line. They then said that they can only speak to XXXX XXXX, or my last name as my first name and my middle name as my last name. 

I then submitted the same court order to RS that I sent to RLM and they never processed the new paperwork. Every time I try to call I am hung up on when sent over to their XXXX XXXX Department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this account. I have sent out a debt validation letter XX/XX/2022 and haven't heard any responses from the company. I have filed identity theft with The FTC.
Product: Credit reporting or other personal consumer reports

My personal information was accessed by several unknown creditors with out my knowledge or authorization and this was done over a period of months. Once i found out my information was compromise in several data breaches i began requesting my reports and found out. I need assistance because the credit bureaus have yet to correct my reports
Product: Credit card or prepaid card

my accounts with capital one were on auto pay in XX/XX/XXXX XXXX XXXX and XXXX of XXXX i have late payments on my report there was an issue with the payment processing and i reached out to the company to have the issue corrected these late payments are negatively impacting my ability to get a mortgage or an apartment
Product: Money transfer, virtual currency, or money service

This Morning PayPal Placed My Current Balance On Hold For 180 Days After Receiving 2 Payments From One Of My Customers,, Id Like to get this issue resolved XXXX XXXX
Product: Debt collection

IT CAUSES ME XXXX AND XXXX EVERYTIME SEEING THIS FRAUDULENT ACCOUNT TO MY CREDIT REPORTS. PLEASE REMOVE AND BLOCK IMMEDIATELY.
Product: Student loan

Great Lakes US Department of Education It has been some time since I have heard from Great Lakes. 
I did however receive a notice from the state, offering me a forgiveness program. 
I did not receive a tax form from you for XXXX. 
Please inform me of the status of this loan. 
Great Lakes Borrower Services Your Great Lakes ID : XXXX The University XXXX XXXX, closed, XX/XX/XXXX. 
I attended this school from XX/XX/XXXX, XXXX/XXXX. 
I also walked with my class in XXXX XXXX, In XX/XX/XXXX, with honors. 
I have enough credits to graduate. I received no Diploma. 
It was closed by the US Government due to fraud. 
I have contacted both your office and theirs, No response. 
I am also trying to complete my taxes. XXXX. 
I do not have the necessary information to further process. 
I need to know the status of the loan for the closure of this school. 

My forwarding address is XXXX XXXX XXXX, XXXX, Ca XXXX. XXXX. 
Please respond with an appropriate response to this question, concern. 
Please note my address/phone have changed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Great Lakes Borrower Services Your Great Lakes ID : XXXX I also just tried to enter my ID or 4digit ssn # without success. 
It says they can not access/find my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since mid XX/XX/2022, all attempts to have Equifax Information Services, XXXX, XXXX XXXX # XXXX, include in my Equifax XXXX XXXX XXXX XXXX XXXX XXXX  Credit Card for with I am an authorized user have been abortive. Equifax did add XXXX of the XXXX XXXX XXXX XXXX in question, but has refused to add the other { see attached copy of cards ). Equifax added XXXX XXXX # XXXX ; but refuses to add XXXX Credit Card # : XXXX I've XXXX XXXX XXXX requesting XXXX to justify, legally, why they keep refusing to add this account and avoid legal justification. XXXX added both accounts ... why not XXXX? Also, once I pushed and became less diplomatically, XXXX retaliated by contacting XXXX, opened an XXXX Credit Dispute without my permission and without my knowledge, which is an illegal act. XXXX had the brilliant idea of investigating and verifying that XXXX XXXX Account # XXXX IS NOT IN MY XXXX PROFILE! I never told XXXX that it was, I asked XXXX to please add it. Maybe XXXX Customer Service Representative are not English speakers like their Call Center employees { based in XXXX, or some other weird country }. When I requested XXXX to justify how the verification was done, they took vengeance by telling me that they did not know who I was and to provide an encyclopediatic amount of paperwork. XXXX wrote that their " information '' does not match mine ONLY after I started questioning them. I will file a complaint with my DOJ, Attorney General, the XXXX, and review my legal options
Product: Credit reporting or other personal consumer reports

I have asked Equifax for my credit report and they will not give it to me. I asked them to clean up some things such as old outdated information. I have a report dated XX/XX/2023 Confirmation XXXX, XX/XX/2023 Confirmation # XXXX, and XX/XX/2023 Confirmation # XXXX. I had a dispute regarding my report and now Equifax will not allow me into the system to speak with a live person stating that I can't be verified through their system even though I just spoke with someone named XXXX with ID # XXXX on XX/XX/2023. I am also being told that I do not have a credit file with them but I have just given you ( CFPB ) three confirmation numbers above from order credit reports. This is a malicious move and it is against the law. Equifax has no right to keep my file from me. Here is another report from XX/XX/2023 confirmation # XXXX I have correspondence from Equifax dated XX/XX/2023, stating that I made a report that I believe that I was a victim of identity theft. I never made such a report. I also have a letter dated XXXX XXXX that Equifax was unable to locate a credit file for me in their database. This is an outright lie. when I have all these letters from them. Also, the agent XXXX ID-XXXX told me that she had lifted the freeze on my file and she did not I had to go online and do it myself. The reference number she gave me is XXXX and for my report XXXX. I can trust their actions.
Product: Credit card or prepaid card

Chase has made it nearly impossible to redeem travel credits from previous bookings made via Chase XXXX. 

After calling to have a new ticket issued from previous travel credits I was told it would take 5 days to receive an email confirmation. Five days lapsed and no confirmation. Then I received an email from Chase stating that XXXX XXXX cancelled the flights I booked, which was not true per my review of scheduled flights on the XXXX website. Chase clearly misrepresented the facts in a deceptive manner. 

I called Chase to resolve the issue, which they were incapable of doing, after spending 70 minutes on the phone, nothing was accomplished and their representative could barely even find the travel record. He indicated that they could rebook the flight but it would take 5 days as they would need to request a review of my prior call recording - for some reason it takes them 5 days to access a digital call recording, this should be instantaneous. 

It seems clear to me that Chase has built its processes to include as many bottlenecks in the process to intentionally frustrate travelers with the hope of reducing rebookings. 

This is highly unethical.
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 USC 1681. 

XXXX ( Sub # XXXX ), XXXX ( Sub # XXXX ), XXXX  XXXX ( Sub # XXXX ), DEPT OF ED/XXXX  ( Sub # XXXX ), XXXX ( Sub # XXXX ), DEPT OF ED/XXXX  ( Sub # XXXX ), DEPT OF ED/XXXX  ( Sub # XXXX ), XXXX XXXX XXXX XXXXXXXX XXXX. ( Sub # XXXX - XXXX  ), XXXX  ( Sub # XXXX XXXX ), XXXX XXXX XXXX XXXXXXXX XXXX ( Sub # XXXX - XXXX  ), XXXX XXXX XXXX XXXX XXXX # XXXX - XXXX  ), XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Sub # XXXX - XXXX  ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish 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 inaccurate.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX  REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

several attempts were made in order to correct the inaccuracies on my credit report, I have attached all of the certified letter 's that were sent
Product: Credit reporting, credit repair services, or other personal consumer reports

I voluntarily CLOSED my XXXX Bank account more than 6 months ago but my account continues to be reported inaccurately as OPEN. The account has been required to be reported as CLOSED at consumers request. Please report account as Closed otherwise delete.
Product: Credit reporting or other personal consumer reports

I am reaching out to formally request the removal of specific information from my file. The details of the items requiring deletion are outlined in the accompanying report. 

Regrettably, I have become a victim of identity theft, and the charge in question was not made by me. In light of this, I kindly request that the aforementioned items be expeditiously deleted to rectify inaccuracies in my credit report. 

To address the identity theft incident, I promptly reported the matter to the Federal Trade Commission. Enclosed with this letter are copies of the Federal Trade Commissions Identity Theft Affidavit, providing further documentation of the situation. I urge you to take swift action in removing the contested items from my records. 

Your prompt attention to this matter is greatly appreciated, and I anticipate a timely resolution.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$1000.00}, XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Someone created a new account for me on experian and I can not get into my account now. They changed the email and phone number associated with the account.
Product: Credit reporting or other personal consumer reports

I am working on getting a job with a health insurance company and they require me to go to a website to verify my identity. It is all done by the federal government. I put my information in. It said it did not match because of whatever experian had on my credit report. I called them on XX/XX/2023. I was told that because I set-up the account I had not informed them of the changes. Ugh, I did not set-up an account with them. This is something the government does, not me. Experian has outsourced the customer service to another country and those people do not understand the way the system works here. Due to them not having accurate information on me. I was unable to verify my identity and unable to get the job. This effects people 's lives. I was told on this day to send a copy of my divorce decree. It took me several tries to finally be able to upload it to their system. On XX/XX/2023 I get an e-mail stating they are unable to honor my request or a portion of it based on the limited amount of information regarding the dispute. I called them back on XX/XX/2023 and I was told that I needed to send a copy of the divorce decree, social security card and my drivers license all at the same time. How come this was not something that I was informed of back on XX/XX/XXXX during the first phone call? How come since they have all my information ( and I verified it with them ) do I have to provide to them information they have in the system already? They know what my maiden name is considering it is already in the system. I verified myself verbally over the phone so why was I told I needed to give them more information. Their way of doing things are very redundant. I was told that it will take another XXXX business days to have them " verify '' my information. In the mean time I unable to get a job because of their inept handling of my information. There has to be a better way for them to be able to help people who are in my similar situation. As you know it can't take weeks for something so simple to be changed. Job opportunities do not stay open indefinitely. It is taking over XXXX weeks for something that should have been a XXXX phone call situation to fix. Instead it is going to take however long it takes for them to get their ducks in a row. That is not right to mess with people 's lives in this way. This is not something we have control over and we are being penalized for it. Due to this information we are unable to get a clean slate and start are lives over. Everybody has had some rough times and I do not feel that we should be judged by our worst days. I do not understand why every phone number, address, or job needs to be put on your credit report considering that is not relevant information.