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

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

With your help I submitted information explaining this is not my account. My son and I have the same name this is his account but its on my credit. 
Company : XXXX XXXX Account # XXXX Amount : XXXX Also please please please remove these unauthorized inquiries off my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO, THE ADDRESSES LIST ARE NOT MINE, HOWEVER MY EX WIFE LIVE AT THEM I'VE NEVER LIVE THERE PLUS WE WAS DIVORCE IN 1991. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ALSO MY NAME IS WRONG ON THERE XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. PLEASE ONLY USE XXXX XXXX XXXX THANK YOU
Product: Checking or savings account

Used Debit Visa card for a deposit. Cancelled the order never got merchandise. Merchant did nit respond or credit my deposit. 
Contacted my bank who gave me a credit While they investigated my complaint. Their policy was to issued credit while investigation.. 
Usaa reversed my credit on XX/XX/XXXX despite my submitting the documents they requested 3 times for proof of dispute.
Product: Credit card

We have been Mobil credit card customers since the XX/XX/XXXXs. Up until XX/XX/XXXX we received one bill per month which we always paid. 

Suddenly in XX/XX/XXXX we received two bills from Exxon Mobil in one month. One bill referenced the number on our credit card ( which we have had for many years ) and the other a credit card number that was unknown to us. 

XXXX XXXX wrote a letter to them dated XX/XX/XXXX explaining that we paid the bill charged to the credit card we possess and explained that we would not pay the other bill since we disputed that they were our charges. 

We received a form letter that did not address our issue at all but stated we needed to call customer service. XXXX XXXX called customer service multiple times, all with unsatisfactory results. Here is the chronology : In the first call, he was told that we must pay both bills, and the late fees would be subtracted. We declined to pay the bill we did not owe. Late fees were removed from the charges to the card we actually possess. 

We continue to get billed for the other amount which included new late fees so XXXX called back in XXXX to say that we would go ahead and pay the other bill which was {$61.00}, even though we never possessed a credit card with that number, because we wanted this nuisance harassment to stop. We expected that any late fees would then be waived as we were paying a bill we dont believe we owed. 

Even though we paid the {$61.00}, we continue to receive bills with late fees applied to late fees applied to late fees. We didnt realize XXXX XXXX now runs Exxon Mobil . 

XXXX called a third time and spent over an hour being passed from one representative to the next. He finally got someone to understand that we had paid all gas charges from both bills and needed to get the subsequent late fees waived ( which no one had been able to do because their policy says late fees may be waived only once per year ). The person who understood his explanation said they would connect him to the finance/billing office so he could resolve this issue once and for all. Instead he was connected again to a new front line customer service rep who couldnt help at all. 

The crux of the problem is that Exxon Mobil began billing us with a credit card number unknown to us. Up until XX/XX/XXXX we had a Mobil card number ending in XXXX. ( We no longer have that card we cut it up and sent it back to them as we no longer want anything to do with them. ) We do not have and have never had in our possession a Mobil card ending in XXXX. Since we never had this physical card in our possession, it is literally impossible that we would have physically used it to buy gas, or anything else. 

We challenge anyone to make any sense out of the bills they send us.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Hard Inquiry on my report from XXXX XXXX. 
XX/XX/XXXX I have lived at my current location since XXXX and was not looking at any other properties on or around XX/XX/XXXX. 

The Company information on my report under the Hard Inquiry is : Institution Information XXXX XXXX XXXXXXXX, PA XXXX ( XXXX ) XXXX This is the first mode of action I have taken.
Product: Debt collection

PDM IS ATTEMPTING TO COLLECT A DEBT THAT BELONGS TO XXXX XXXX XXXX. A DEBT TO A BUSINESS NOT A CONSUMER. I AUTHORIZED THE CONTRACTS FOR XXXX XXXX XXXX I DID NOT GURANTEE THEM. THIS IS ILLEGAL.
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. 
ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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, states a consumer reporting agency can not furnish an account without my written 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 and crimes which antedates the report by XXXX 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 Charge Off 's U.S.C 1681 THIS IS INCORECT & INACCURATE INFORMATION THIS IS NOT MY DEBT
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$850.00} Dispute Filed XX/XX/2024 Had to contact TransUnion myself after 45 days. 
My request in my dispute I asked for the original collection documents on the debt. The resolution results from Trans Union was simply no change. The documents were not provided to me and Trans Union advise me to ask the creditor for it. If they did not provide the documents and this should be removed from my credit report.
Product: Debt collection

On XX/XX/ I called Tranunion to dispute a XXXX  bill that did not belong to me. I informed them that a family member used my information without my permission to get electricity on at there residence. A week later I was notified that the acct was closed and now as ofXX/XX/XXXXit is back on my report and is showing that the acct is open.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX- Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Money transfers

I had posted an ad looking for XXXX tickets to a concert. I was contacted by someone named XXXX XXXX who had provided me pictures of the tickets and had agreed to send them via fed ex. They required me to send the money via western union in XXXX. I had sent the money and then they stopped responding to my texts. The money was picked up before I could cancel the transaction and the receiver no longer answers my calls or texts.
Product: Money transfer, virtual currency, or money service

I have been trying to reach BinanceUS ( cryptocurrency exchange ) for over 4 months because I have XXXX on my account there but it wont let me withdraw or take any action because my account is pending verification. I have attempted to reach out to their support email only to be told it is pending and may take longer than expected because there is high volume. Well, I created my account with them in XX/XX/2021 and have been told the same response back then. I just want my XXXX withdrawn and not to deal with this company any more.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationstar/Mr Cooper # XXXX is reporting lates in XX/XX/18, XX/XX/18 and XX/XX/18 that I should not owe. I had a XXXX XXXX which is why we went past due. I was advised to do a loan modification program which I did and I was told to go past due. I was told the lates would come off after we finished the Modification program. These lates are not my fault and they need to be removed.
Product: Checking or savings account

I XXXX opened the account and deposited money on XX/XX/XXXX. I deposited more in the following days ( to a balance over {$13000.00} ). On XX/XX/XXXX, I realized that I needed to pay more money for tuition to my school, and attempted to do so ( {$2100.00} ) out of the savings account. The next day, my account was locked, and when I called Goldman Sachs, they said they closed my account. I have received no information regarding how/when I will get my money back. I need my money back immediately so that I can pay tuition, but I've not received any word on how or when this will happen, if at all. I'd like it to be deposited back into my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018, I requested all 3 major credit bureaus review and remove XXXX XXXX XXXX account of my credit report, because of the inaccuracy reported. I came to a settlement agreement with XXXX XXXX XXXX collection agency. The account being disputed was charged off. I asked for validation of the debt but only received statement with a balance on it. No signed validation, no purchases just a statement of alleged debt. The credit line was XXXX dollars but the debt was more than 3,600 dollars. I was contacted by the debt collector and negotiated a settlement for deletion. I Paid over 1000 dollars and the debt collector is no longer honoring our agreement and wants the full alleged amount without proper validation. XXXX solution for my dispute was lower the alleged charge off owed from XXXX to XXXX dollars. Which is still inaccurate as the alleged charge off was XXXX as reported on the other credit bureau ( XXXX  and Equifax ). The data across the other credit bureau are not consistent as required by the Fair Credit Reporting Act. Also the first date of delinquency is not consistent on all the bureau. XXXX  completed investigation is not proper just lowering the charge off amount without proof is not a solution but a quick answer to a company taking advantage of a consumer and her rights.
Product: Checking or savings account

XXXX XXXX XXXX working for Bank of America & Various other Businesses & Fake Churches in XXXX, Georgia were using my Bank Account to Pay their Bills & Withdrawing my Tax Return Monies every year I Held an Account with the Bank beginning in XXXX. As a XXXX XXXX XXXX, I was not allowed to have very much Monies, as they were Holding me XXXX for fear I would run away. Their XXXX had Card Copies of my Accounts, and to Hide their Large Withdrawals & Transfers they would create Blocks of Transactions that were previously done to make the Statements look Real. I watched at XXXX XXXXXXXX XXXX  XXXX as XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, & XXXX, as well as others discuss such things. I was being XXXX in the Back. The Statements they sent me are Indicative of their XXXX  Master Manipulation at hiding their Fraudulent Activities on people 's Accounts they Hold as their XXXXXXXX XXXX. XXXX XXXX, XXXX XXXX were the Masterminds. XXXX XXXX my Great Aunt, Daughter of XXXX XXXX XXXX, owner of XXXX, Sold me back to the XXXX  in XXXX, right before XXXX XXXX XXXX to Change his Last Will and Testament & Leave me out of it. XXXX XXXX XXXX, had given me Full Control of the XXXX XXXX XXXX XXXX, to keep the prices low, as he told me in XXXX. Today, the Fake owners of the products have some of the prices as high as the competitor prices. And Many XXXX Managers are apart of the XXXX XXXX XXXX XXXX XXXX and XXXX. The Bank of America XXXX XXXX are Horrible XXXX XXXX. I demand something be done about this, as people of the XXXX XXXX XXXX XXXX continue to suffer at the Hands of these Ruthless Terrorists as I did. Being XXXX inside of the Banking Centers. XXXX XXXX and his XXXX family members were Helping them Sell my XXXX XXXX XXXX  for over {$20000.00} each to Finance their Lavish Lifestyles. I have filed over 100 Reports to XXXX XXXX XXXX and Security, & the FBI regarding this Extremely Urgent Matter. Please send my Report to a Real Law Enforcement Officer, as these people Violated the 13th Amendment of the Constitution Regarding XXXX. Thank you.
Product: Debt collection

I'm requesting written request to validate and verify this debt. During these times, money is stretched thin and nothing should be added to my report because I'm unable to pay at this time. There is a pandemic on-going and without any communication, this shouldn't have hit my credit report
Product: Debt collection

I made payment arrangement with Phoenix recovery group for a balance I had with a previous apartment complex. the person handling my case was a woman called XXXX XXXX. When I made the first payment XXXX refused to give me a receipt for my transaction. After I told her I was going to cancel the transaction if she did not give me a receipt she decided to send me one.  Today I called to make my second and final payment on my transaction. XXXX send me a receipt but on the receipt it never said paid off or anything. I told XXXX I did not feel comfortable with this receipt. She rudely said they needed to wait 48 hours before they could give me a letter saying its paid off. Neve explained why. All she said was that's our policy. She said " you've had this debt for 2 years and now you want to rush things '' She was very unprofessional I asked her to not get all hyped and she kept talking over me. She said if I didn't sing the receipt she sent me she was not going to send me a letter saying its paid off. She then said she was busy and needed to get another call. I told her she was being really rude. She then said with a rude voice she was going to transfer me to the supervisor. This women was very rude you can help me with this. XXXX XXXX direct line XXXX email XXXX. Her information
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer have tried to dispute accounts that were resulting in IDENTITY THEFT the creditors, XXXX, XXXX, AND XXXX failed to block and remove the accounts according to 605b 15 usc 1681 c-2 PLEASE remove accounts from consumer report
Product: Debt collection

The representative requested my full Social Security number over the phone. XXXX ( requested that I repeat ). 

Further, I was informed that the company would not send correspondence regarding my account information with a firm NO. When I requested to know why the company could not send information in writing, I was given a nonsensical answer.
Product: Credit card or prepaid card

When I originally opened my Children's Place credit card I added an authorized user for the SOLE purpose for the authorized user to be able to go into the store and make purchases on my behalf without me being there. There was no disclosure online nor when I verified my identity and that I requested an authorized user with a live representative that MY account would report on this person's credit report. I first messaged them online via the secured message center last year in 2018 to request for the authorized user to be removed from my account. I was told someone would contact me... I was never contacted. I called customer service in April/May of this year to make the same request. I was told by the customer service rep that he could not complete my request and that it was sent to his supervisor and they would be in contact with me. I was never contacted. I sent another message on 5/22/2019 explaining this, and also requesting for the authorized user to be removed immediately from my account. I was told to call into customer service. I've made several attempts the past year to have this resolved, no one will assist. The authorized user is just that, an AUTHORIZED USER. His credit & personal information was not used as a factor to issue me credit nor was he a co-borrower on the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX been contacting me since early XXXX I was dealing identity theft since XXXX for card opening and loan was opened by someone that used my ID and name And company refused fix my issues since XXXX Only want me to pay XXXX dollars even if I didnt open account and someone else opened about. With my ID, social security, email and private information I had issues my identity for XXXX years and money lion refuse to fix issue only seek damage to credit and money. 

I would like this account removed from credit report since it fraud opened and I was not XXXX who opened this acct XXXX ladies under names XXXX XXXX, XXXX and XXXX are ones responsible doxxing my info and opening my acts and using my credit cards and personal information without permission including opening cards with my ID and social They obtained my information through XXXX. 
Depsite reporting them to police and federal trades. XXXX XXXX  refuses to close matter and remove acct from my credit report and damaging credit only seeking money to fix issue which is wrong. I was told police not to give further information company XXXX years ago XXXX when I received another email of company trying communicate me for dame matter but refuse to fix issue only seek money to fix issue even if this issue was done by identity theft and fraud done by someone else with my information and name. I was told I had a card an loan open but I told them the loan was opened by XXXX pppm who used info and company refused to close or remove acct from credit report even i told credit bureaus all calls I received after they also asked for my personal I do this horrible company.i would like to state I was sent a email that the acct was closed but they still seeking a balance even if I disputed I shouldn't be paying for fraudulent loan and card opening by someone who posed and impersonated as me using my information from XXXX.
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 ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX Balance : {$2700.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$21000.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$250.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to request that the following accounts and inquiries, which were opened as a result of a data breach, be blocked and deleted from my credit file in accordance with 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ). As a victim of identity theft, these accounts were opened without my knowledge or authorization. 
Fraudulent Accounts : XXXX XXXX - XXXX - XX/XX/XXXX - {$4600.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries : XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX