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

I took out a personal loan from XXXX XXXX XXXX and paid it off in full onXX/XX/XXXX 
Then just recently i look at my credit report and it shows as i just took out a new loan in XX/XX/XXXX. I was contacted by them asking for my personal information and i refused to give it to them because they had all my contact information when i originally applied. 
They informed me that they did n't have any of my information because they operate as XXXX XXXX  now. I was told that XXXX XXXX reversed the payment but i was never aware of this and no one ever called or sent me any information regarding this issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized credit inquiries listed on my credit report. I have recently reviewed my credit report and found inquiries that I did not authorize, which I believe are the result of identity theft. These inquiries are negatively affecting my credit score, and I am requesting their immediate removal from my report. 

The unauthorized inquiries in question are as follows : XXXX XXXX XXXX  ( Bank ) Date : XX/XX/XXXX ( TransUnion ) XXXX XXXX XXXX  ( Bank ) Date : XX/XX/XXXX ( TransUnion ) XXXX XXXX XXXX ( Finance ) Date : XX/XX/XXXX ( TransUnion ) XXXX XXXX  XXXX. ( Bank ) Date : XX/XX/XXXX ( TransUnion ) XXXX XXXX XXXX  ( Bank ) Date : XX/XX/XXXX ( TransUnion ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX ( XXXX ) XXXX XXXX  Date : XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX Date : XX/XX/XXXX ( XXXX ) XXXX XXXX  Date : XX/XX/XXXX ( XXXX ) I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Credit reporting or other personal consumer reports

NARRATIVE I was working out at XXXX  XXXX XX/XX/XXXX my purse and phone was stolen from the locker containing my identification, credit cards, social security card of myself and both of my sons, my car keys, and {$48.00} in cash. At the time I made a police report with XXXX XXXX report XXXX XXXX. Since then I have received notification of change of address that I did not make and the following accounts are fraudulently opened accounts. XXXX {$4700.00} act # XXXX, XXXX {$3200.00} act # XXXX, XXXX {$4200.00} act # XXXX, XXXX  XXXX {$3700.00} act # XXXX, XXXX  XXXX {$1000.00} act # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1400.00} act # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$96.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$690.00} XXXX # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$3100.00} act # XXXX. Banks opened fraud are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
Report Created On XX/XX/XXXX XXXX XXXX
Product: Debt collection

Upon looking into my yearly credit report I noticed XXXX collections placed on by Paramount Recovery. As far as I know, I do n't have any unpaid medical bills and I have no knowledge of these alleged debts. I sent a letter requesting validation of these debts and I received back XXXX pages from this agency. I am shocked and outraged by the amount of private medical information provided in these documents and devastated to find out that this company whom I have no connection or contract with has so much of sensitive information about my life, spouse, and medical history. I know that in certain circumstances limited information can be provided in an attempt to collect on a debt but this goes far beyond that and is a serious violation of my rights under Hipaa. I have no contract or relationship with this company and although they did send detailed information about my medical conditions, Doctors, insurance, procedures, symptoms I was presenting, religion, my husband 's information as well as information to contact my husband 's employer, none of the documents they sent to me contains my authorization for my medical provider to release any information to a 3rd party company. I intend to do everything in my power to make sure that this company is held responsible for violating my rights with such gross negligence.
Product: Credit reporting or other personal consumer reports

I am writing to dispute account on my credit report that are a result of identity theft. This account is not mine, and I have already contacted the company involved to report the fraud. Additionally, I have filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft. 

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

Have a freeze on credit report, checked on score for a loan. Credit report states there was a account opened on XX/XX/XXXX and first delinquent on XX/XX/XXXX, inaccurate information from a financial institution I disputed on XXXX with all 3 credit bureaus XXXX, Transunion, and XXXX and also disputed over the phone with Transunion. Reminded them about the freeze. Tried to add to my dispute that an inquiry was done also from a banking institution for a credit card on XX/XX/XXXX and XXXX online on all 3 credit websites was refused access so I called each one still no response, would answer the phone but no response. I wrote all 3 agencies an Investigation and Verification Letter and put it on the Consumer Statement Page asking for verification again that this account was opened on XX/XX/XXXX or Delete this account from my credit report., my request was not answered. I asked for verification or delete this from my credit report. Thank you for your time.
Product: Credit reporting or other personal consumer reports

Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXX XXXX , I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law.

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account NumberXXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 
Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 
If you have any questions or need additional information, please contact me at XXXX. Thank you for your prompt attention to this matter.
Product: Checking or savings account

I'm a international traveler who open checking accounts numbers internationally globally. I I'm a former XXXX, duty station, XXXX XXXX XXXX. Texas XXXX from XXXX through XXXX, united states regular XXXX. 
I was at XXXX XXXX, Texas around XXXX through XXXX. During said years I open a checking account in a frost bank at XXXX XXXX XXXX. 
The database computer of state was on the Texas i.d . card.numbers. 
My address when frost checking account was opened was, XXXX XXXX XXXX XXXX. XXXX XXXX, Texas XXXX. 
My Texas XXXX card numbers are. 
XXXX, texas. 
Said checking account numbers are freeze. 
No debits No credit, but active account I lost my last bank statements.
Product: Credit reporting or other personal consumer reports

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section XXXX you are required to remove/block these items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the items which do not belong to me and opened without my permission. 
XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX  Balance : {$170.00} XXXX XXXX XXXX XX/XX/2023, XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 PASSPORT XXXX via XXXX XXXX XX/XX/2023 XXXX XXXX. XX/XX/2023 XXXX BRANCH via XXXX BANK XX/XX/2023 ''
Product: Debt collection

This collection agency calls almost daily and I have told them they have the wrong number and we don't know the person they are calling for, but they keep calling back and hanging up when the machine answers or just before it does.
Product: Credit card or prepaid card

On XX/XX/XXXX, we booked flights to XXXX, XXXX through XXXX. I am XXXX years old and can be forgetful sometimes. I need help from my son or daughter from time to time. Unfortunately in XXXX of XXXX, I filed a claim to Citi bank thinking that the charge of {$2400.00} ( from XXXX ) was a fraud and I was returned that amount to my bank account. We realized afterward that my XXXX trip was the one that was canceled and we called right away to re-book this trip which we did on XX/XX/XXXX. I was charged again the same amount so it was okay. Now, in XXXX all operations at XXXX stopped and they canceled my flights and hotel meaning that services were never rendered. I called Citi bank in early XX/XX/XXXX to file a claim on this charge from XXXX but Citi bank said I couldnt file a dispute again for the same charge. Now, I was not trying to file a dispute for fraud but for services not rendered. XXXX only sent me an email saying that my flight and my hotel were canceled but they never returned the money. I kept explaining to the representative at Citi bank that services were not rendered and that the claim should be under the XXXX claim code. Citi bank said they couldnt and would not even give me a chance to explain or file a dispute for this. It is not right that if services were not rendered and never occurred to not receive any help or guidance from Citi bank.
Product: Student loan

For the past year, I have been applying for a military deferment due to my XXXX XXXX status. Navient has consistently said that I am not serving in a war, emergency or contingency operation and that how I serve does not quality. It particularly impacts XXXX who volunteer for XXXX XXXX. It seems arbitrary and a means to not give military deferments to those of us in uniform.
Product: Checking or savings account

Wells Fargo sent letter several months ago to update my address. So I did online. still they sent letters so I called last week and man at Wells said it was now fixed. Then My account was closed on XX/XX/XXXX. I called again and they say my account is closed and nothing they can do. Also my Checking account will be closed tomorrow. On my account information page on Wells website my address is clearly there. How can they do this?
Product: Debt collection

They have never spoken to me nor have verified with me that I owe debt and they have been contacting my employer at multi business locations trying to find me
Product: Credit card or prepaid card

I requested paper statements from Bank of America for my prepaid EDD card for the past 5 years in my previous complaint ( XXXX ). In their response, the bank provided me with account activity through XX/XX/XXXX, but no statements were provided from XX/XX/XXXX through XX/XX/XXXX. 

Bank of America claims that the balance on XXXX XXXX was {$0.00}. Analysis of the Archived Transactions List from XX/XX/XXXX through XX/XX/XXXX included in the banks response shows that the closing balance on XX/XX/XXXX was ( {$16000.00} ) or the account overdrawn by XXXX. This is a huge discrepancy I have attached my spreadsheet analysis of the archived transaction list. ( file : Archived Tranactions.xls ) Further analysis of the Archived Transactions shows that there are countless duplicate transactions the list. The entries for these duplicate transactions are not always identical as there is a slight variation in the Transaction Date & Time field or in the Merchant Name field. 
The attached file duplicates.xls is the archived transaction list sorted by merchant name The following transactions highlighted in the attached file are examples of such duplicate entries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debit $ ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debit $ ( XXXX ) The second transaction is posted a day later XX/XX/XXXX XXXX XXXX BANK OF AMERICA XXXX XXXX XXXX XXXX Debit $ ( XXXX ) XX/XX/XXXX XXXX XXXX CASH BANK OF AMERICA XXXX XXXX XXXX XXXX Debit $ ( XXXX ) The second transaction is posted a day later, and the word CASH has been added to the merchants name XX/XX/XXXX XXXX XXXX BANK OF AMERICA XXXX XXXX Debit $ ( XXXX ) XX/XX/XXXX XXXX XXXX CASH BANK OF AMERICA XXXX XXXX Debit $ ( XXXX ) The second transaction is posted a day later, and the word CASH has been added to the merchants name XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debit $ XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Debit $ ( XXXX ) The second transaction has posted two days later and the merchants phone has been added to the merchants name XX/XX/XXXX XXXX XXXX  '' XXXX XXXX XXXX XXXX '' Debit $ ( XXXX ) XX/XX/XXXX XXXX XXXX '' XXXX  XXXX XXXX XXXX '' Debit $ ( XXXX ) The second transaction has a posted a different time, in the evening of the same day Finally, Ms XXXX XXXX allegedly a Senior Resolution Specialist who responded to my previous complaint has not answered or returned any of my calls or emails regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy a truck at the XXXX dealership today XX/XX/20 and when they ran my credit, I was told that I did not qualify to finance a car at this moment because there are accounts in negative standing on my credit report. I had no idea what they were talking about because I have always made sure to pay all of my loans and credit cards on time. When I got home I looked through a copy of my credit report and I saw three accounts and a few credit inquiries that are not mine. The accounts are from these companies ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not open any of those accounts and I did not give anyone permission to open them on my behalf. I do not have written or verbal contract with those companies nor did I benefit anything from those accounts such as money, goods, services or any other benefit. I did not contribute to any payments that might have been made towards those accounts. I have already filed a police report & a complaint with the CFPB.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my reports that I did not authorize and do not recognize including : XXXX Report XXXXXXXX XXXX/ Inquiry date XX/XX/XXXX *XXXX XXXX XXXX XXXX date XX/XX/XXXX *XXXX XXXX  / Inquiry date XX/XX/XXXX *XXXX XXXX / Inquiry date XX/XX/XXXX *XXXX XXXX  / Inquiry date XX/XX/XXXX XXXXXXXX XXXX / Inquiry date XX/XX/XXXX XXXX XXXX /Inquiry date XX/XX/XXXX Experian Report XXXXExperian XXXX XXXX / Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX / Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Report XXXX XXXX / Inquiry date XX/XX/XXXX *XXXX XXXX/ Inquiry data XX/XX/XXXX XXXXXXXX XXXX XXXX / Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXX / Inquiry date XX/XX/XXXX *XXXX XXXX / Inquiry date XX/XX/XXXX
Product: Debt collection

My personal information was exposed in the XXXX XXXX XXXX and I began to take a closer look into my credit reports. I do not have an account with LVNV Funding LLC or XXXX XXXX XXXX XXXXXXXX who they seem to be collecting on behalf of. I also never received any letter in the mail to validate or notify me of the debt. Pursuant to the FCRA guidelines, please remove this from my credit immediately or provide me with my signature showing that proper notification was mailed to me to confirm this companies ability to collect.
Product: Credit card

During our investigation an XXXX employee ( Grant ) reported to us he could see that someone used an " XXXX sounding name '' with the initials XXXX to open up an XXXX XXXX account and use our credit card to purchase items during XXXX and XX/XX/XXXX ranging in price from {$120.00} to {$150.00}. He said that Wells Fargo should have been able to see the same information he could see within about ten minutes, or call XXXX to verify that the charges were not correctly authorized and were not made by us. He was surprised that WF had not done that already since we talked to him on XX/XX/XXXX and we had informed WF of the fraud on XX/XX/XXXX and WF had already denied our claims twice : on XX/XX/XXXX ( received XXXX ) and XX/XX/XXXX ( received XX/XX/XXXX ). Overall they charged about {$2400.00} on our card. 
We reported the fraud as soon as we recognized it, within days, we reviewed our statements going back for other fraud, we filed a police report, we talked with XXXX, we faxed additional information to WF, we set up fraud alerts on the credit agencies and reviewed our credit statements. We did all of this between XX/XX/XXXX and XX/XX/XXXX. In response Well Fargo has sent us the same message : " the charges appear to be valid and authorized by you '' even though we have proven to them ( which is not required by law ) that the charges are obviously invalid and not authorized by us. 
WF has denied our claim three times that the charges were fraudulent even though : an XXXX employee was able to identify the name used to authorize the charges was not our name and the address used to authorize the charges was not our address ; I have asked WF to provide all of the evidence they have used to say we authorized the charges twice and they have refused to proved that evidence ; WF have not admitted to working with XXXX or XXXX or law enforcement on this issue ; WF has not reported to us the address or name used to authorize the purchase or the exact items purchased or the shipping address the items were shipped to ; the law states that it is WF responsibility to prove that we have authorized the charges but they have refused to do so by choosing to blame their customer and are in violation of the law. 
Every time I've reported the fraud, Wells Fargo has only responded by letter saying something like " the charges are valid and appear to be authorized by you. '' They provide no rationale or reasoning for that opinion. The facts are those charges are not authorized by us and Wells Fargo has responded to their failure to notice and stop the fraudulent activity by violating the law and stealing from me, a customer of Wells Fargo since XXXX.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX Balance : {$250.00} XXXX  XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XXXX XXXXXXXX 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
Product: Debt collection

I have spoken with this company several times I never took out this account and I want it removed
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 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, CA XXXX XX/XX/XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$75.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$780.00} ; XXXX XXXX XXXXXXXX Balance : {$110.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$340.00} ; XXXX XXXX XXXXXXXX Balance : {$8.00} ; XXXX XXXX XXXXXXXX Balance : {$130.00} ; XXXX XXXX XXXXXXXX Balance : {$20.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$11.00}.
Product: Payday loan, title loan, or personal loan

this is my third complaint. I contacted them XX/XX/XXXX via email to XXXX I sent them a PDF showing that I had paid. 
I did not receive a response. 
I did not look at the XXXX statement ( electronic ) because I thought it didn't reflect the last payment. 
I received a XXXX statement with a host of late fees. which is peculiar for something that was paid in full 2 months before I spent this morning going through each statement and found that my payments showed I was paid in full. 
I discount any and all late charges, it is a 24 month loan and I paid ahead ( I guess that is my sin, trying to pay early ) I expanded my spreadsheet because I found that although the statements show all my payments, their transaction history omits 6 payments from XX/XX/XXXX through XXXX/XXXX/XXXX and the last payment XX/XX/XXXX my bank statements show the funds being transferred
Product: Credit reporting or other personal consumer reports

They continue to report Addresses not and have never been associated with me even after i have provided verification documents and id theft reports form id.gov