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

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

victim of identity theft and fraud and demand these accounts to be removed from my credit today. AXX/XX/XXXX
Product: Checking or savings account

The company claims that they can not find my account even after numerous communications. they were also informed that there was identity theft, paper works were provided and I an still not getting anywhere with XXXX. I sent the communications in the previous email and they still do get it. I have been locked out of my account therefore I do not have the account number. I also inform the team that my email has been cloned by XXXX which reads XXXX. If I send you direct message from my email to XXXX, XXXX mimics my email address. On the other hand, this happens to no one else. Only with XXXX. The matter was reported to XXXX and XXXX reassured me that my account is safe. XXXX should ask their security team to look into the matter since it happens only with XXXX. To date XXXX still can not locate my account. they haven't tried extensively to identify me their customer, making me feel as if they are holding my money XXXX. All i need is my money that I worked really hard for from XXXX.
Product: Debt collection

I have contacted the Udren Law Offices three times with no reply. They are proceeding with a foreclosure action in which I have not personally been served. I would like to bring this mortgage current but they will not return my calls. Unfortunately because of the lack of response from Udren, I am sure they are racking up fees to be charged to me. I do not see why I should be responsible for additional fees. Also, because of this situation I do not want to go into foreclosure. I obtained the services of a law firm of which there is no reason I had to do, but Udren does not return my law firms phone calls or correspondence either. I think Udren should be responsible for any attorney costs that I will incur because of their lack of response.
Product: Checking or savings account

XXXX 2015 : I contacted USAA checking dept. and requested bank statements from my checking account. Unknown to me, the statements were available as saved documents on the USAA website. The customer service rep. did not inform me that the statements were available to me and said that there would be a charge for researching and copying the statements and a charge for mailing them out to me. Without knowing and not being told by the customer service rep that I already had full access to the statements that I was requesting, I reluctantly agreed to having USAA charge me to provide the statements for my checking account. XX/X/2015 : I was charged {$1000.00} for a " research and photocopy '' fee. XX/X/2015 : I was charged an " expedited '' mailing fee. XX/X/2015 : I was charged an additional {$120.00} for a " research and photocopy '' fee. After seeing the amounts of the automatic withdrawals from my checking account, I contacted USAA customer service and asked why the fee was so large. The customer service rep told me that they did not know why I was charged because all of the statements that I had requested, were available for me to view AT NO COST on my USAA website and was sorry that the previous customer service rep was wrong in not telling me this fact. I immediately asked for a full refund of the funds that were automatically taken from my checking account and was told that USAA would not return the funds. This is the ultimate in deceit and fraud.
Product: Checking or savings account

Ally bank advertised a bonus for moving new funds into their accounts at the end of last year. I opened an account and during the process did not see anywhere to enter the code they gave me to get the bonus. I immediately emailed them to let them know I was opening the account to get the bonus and didn't see anywhere to enter my code and asked what to do. They asked me to click on something in an email which I did. 

After the time passed to keep the funds in the account to get the bonus, when I realized I hadn't gotten it I emailed again asking what was going on. Their app seems to be broken for XXXX  users because only a blank message was sent twice when trying from the app so I had to wait until I had access to a computer to send another message because their app overrides the a ability to use their website on your phone. 

After explaining the situation multiple times they have still not given me the bonus and are giving me the runaround to talk to more people to explain. I think they are being deceptive in their advertising because I have tried to do what they asked but because of technical issues have not been able to but was still promised the bonus. I would have moved my money long ago if I hadn't been told I was getting it after opening the acct.
Product: Bank account or service

My husband and I opened a savings account with Region 's Bank a few years ago and had my husband 's SSD directly deposited. The bank suggested with open a XXXX XXXX XXXX account which we did, not the bank has put us on notice if we do not open a XXXX our savings account will be converted to a regular savings account with numerous fees. I think the bank does not care about loyal customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX reported balance {$230.00} This account doesn't belong to me i tried contacting the company numerous times and haven't been shown proof this account is mines i want it removed from XXXX report asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently opened my credit report and discovered unknown accounts ; CHASE AUTO XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. I am a identity thief victim. The following accounts are not my accounts. I've also included my identity theft affidavit of which I've sent a copy to my local sheriff department for further investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report, and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
List of accounts to be deleted. 
XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, XXXX Account # XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand this account be deleted from my consumer report.
Product: Credit card

XXXX XXXX  Account type : Credit Card Opened Date : XX/XX/year>
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX PA XXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX/XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Account XXXX : XXXX XXXX. 
XXXX Account XXXX : XXXX XXXX. 
XXXX XXXX BANK Account Number : XXXX XXXX. 
XXXX XXXX BANK Account XXXX : XXXX XXXX. 
XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account XXXX : XXXX XXXX. 
XXXX XXXX XXXX XXXX A Account Number : XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. 
XXXX XXXX  XXXX BANK XXXX A Account Number : XXXX XXXX. 
XXXX Account XXXX : XXXX XXXX. 
XXXX XXXX Account XXXX : XXXX XXXX. 
XXXX Account XXXX : XXXX XXXX. 
XXXX Account XXXX : XXXX XXXX. 
XXXX OF XXXX Account Number : XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Student loan

XXXX   XXXX  PURCHASED THIS FRAUDULENT LOAN DEBT, AND IS TRYING TO COLLECT AND POSTED UNVERIFIED DEBT ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXXXXXX 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, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX SOUTH CAROLINA ) XXXX XXXX : {$680.00} ; XXXX XXXX XXXX XXXX XXXX : {$120.00} ; XXXXXXXX XXXX XXXX ( XXXX XXXX : XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$7800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

At was a XXXX XXXX XXXX it was in my bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Checking or savings account

Bank of America blocked this merchant from accessing and the enabling application of XXXX  to link.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX - International Wire Transfer to XXXX XXXX XXXX in the amount of XXXX USD submitted. ETA of Transaction available at the recipient bank on XX/XX/XXXX. 

XX/XX/XXXX - Contacted HSBC support to find out about the status, as one of the wires for a smaller amount submitted on the same day had cleared. I had asked for the MT103 document to ease troubleshooting. They asked me to wait for the XX/XX/XXXX date. Sent an email to the premier team supporting the relationship which remains unaddressed. 

XX/XX/XXXX - Contacted HSBC support over phone to find out about the wire status, as the money was not received. I asked again for Mt 103 to expedite troubleshooting with the recipient bank. HSBC provided me with UETR and Transaction Reference number and two different support agents refused to provide an MT 103. 

XX/XX/XXXX - Contacted HSBC support again, now over chat, so that I could have the long string of characters of UETR in a written form ( the bank refused to email it to me ). Requested MT103 one last time and was denied the document again XX/XX/XXXX - The recipient bank could not locate the wire with the details provided ( UETR and Transaction Reference Number ) and refused to provide the status on the production of the MT-103 ( the wire investigation is open ) This is the second time something like this happens with HSBC - last time it took weeks for the wire to clear and I couldn't pay my parent 's medical bills in a reasonable time. 

All the conversations are done over the phone and through their dedicated chat app ( unable to take screenshots )- which it makes it so that I am unable to produce proof of the interactions other than my phone records
Product: Debt collection

Ive received a copy of my credit report and you are claiming I have an account with you or I owe you something. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with you. Also, because you are a 3rd party collector, you have no permission to furnish any information on my credit report in the first place. The law states that before you collect any information, about me, you have to get my authorization to access my credit report for any reason. You didnt do that first, now, I am also exercising my right under the FDCPA to dispute the alleged account and demand validation from you and that you are ceasing and deleting all information you have furnished to any and every one of my credit reports from every single credit repository to which youve submitted this unverified and un-validated information. This is request of PROOF OF CONTRACT to substantiate your claim. Therefore, youll need to provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specially Naming ( AMSHER COLLECTION ) as an entity entitled to enforce a commercial claim against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many accounts open on my credit report, they use a different name because they provably didn't know my real name, They use XXXX, XXXX and other names my real name is XXXX XXXX and I was deployed in the XXXX service in XXXX, XXXX XXXX and XXXX XXXX I have my deployment orders all the data is incorrect please assist. I am in town for the next 2 months.
Product: Credit card or prepaid card

I applied for the Apple Card from Goldman Sachs Bank and my application was denied. I couldn't get a clear answer from the company as to why. In the denial email they sent me there was just a general statement that my monthly debt obligations are too high, and then it listed that it used my XXXX credit report, where my credit score is XXXX out of XXXX. I do not have high debts. I have no student loans, no auto loans, I'm not behind on any payments, and I have no negative marks. XXXX confirmed that I have a great credit report and all of my accounts are in good standing. I couldn't get anyone at Goldman Sachs to clarify what it is about my credit report that would cause them to deny my application when my credit score is so high.
Product: Student loan

Between XXXX and XXXX, and on numerous occasions, I was pushed towards refinancing options that would have eliminated my rights as a federal student loan holder. 

Navient suggested that refinancing all my student loans to one " average rate '' would save me money, which is simply not true. I fortunately did not pursue this option, because I learned that I would no longer be eligible for forebearance or deferment of my loan. 

I feel the need to report this misleading practice because Navient may target other unsuspecting young individuals in a scummy attempt to line their pockets with more money.
Product: Mortgage

I had ( meaning it should have been closed ) an  account with Wells Fargo because my mortgage was sold to them in XXXX, I am aware that this is a current practice. I did not go to Wells Fargo and ask them to open this account - they happily took over the mortgage and there were no issues. No issues when I sold the house and the balance of the account was paid off sometime in XXXX of XXXX. The issue is that they kept my mortgage account open. It is open still today XXXX/XXXX/XXXX - I just spoke with them. 
The company that I work for now has their XXXX through Wells Fargo. Wells Fargo will not let me view my XXXX account ( that contains my XXXX money from work ) because my old mortgage account is still open. One account should not have anything to do with an old account. 
This is what Wells Fargo is now infamous for - opening and/or creating or not closing existing accounts once their use is long over. 
I have been all the way up to the Ethics line with  them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that I wanted to removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX Balance : $ XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX PSC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX DateFiled/Reported : XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

One month ago I received notice from my credit monitoring service that an entry had been made by a collections company. I viewed my report and saw that a company called Innovative Credit Solutions had requested a copy of my credit report, and then had reported to XXXX and to XXXX that an XXXX account that they alleged belonged to me was in collections. I had never heard of this company, had never received any communications from them, and do not have a XXXX credit card account. Innovative Credit Solutions reported to the XXXX bureaus that the open date on this account was XXXX/XXXX/2016 and that there is a balance of {$1500.00}. The entry made by them on the trade line with XXXX reflects XXXX XXXX as their company name, while the company name on the trade line with XXXX states the company name as Innovative Credit Solutions.