23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I keep getting phone call from this company called XXXX XXXX XXXX. They call incessantly and leave treating messages such as : We will be contacting your employer to garnishing your wages ; we are in the process of garnishing your tax refund, we are going to take possession of your vehicle and such. 
I called them back asking them not to call me anymore and every communication should be done via official mail. They keep calling me using different phone numbers and threatening me. They are trying to collect an old debt which is past the statue of limitations.
Product: Checking or savings account

I'm not why us bank keeps lying to me and attempting to withhold my money also why they haven't told the the truth because I also recorded the phone calls between there employees and I ..... They have still not complied with ADA act rules the rules and regulations supposedly let US bank is supposed to have!!!!!!!! They claimed I was never sent ID theft packet which was a lie I'm really exhausted over the the repeated lies and belittling treatment that I keep receiving from US bank employees.!! I was sent an ID theft form three time 's get your Facts straight please also a thorough investigation still has not been done yet because I have a lot of proof disregarding all of the things you said were true, everything highlighted in yellow is fraudulent if it's highlighted in pink then it's correct and these are the only statements I could take a picture of I have everything though
Product: Credit reporting or other personal consumer reports

I am filling a complaint against equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, equifax consistently responds within XXXX stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting Act. ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes, furthermore, equifax actions may also contravene the consumer financial protection act. ( CFPA ) as highlighted in the CFPBs recent administrative proceeding ( file no. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provide consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

REMOVE THIS COLLECTION XXXXMMEDIATELY,15 USC 1681A 2B, ANY OTHER PURPOSE AUTHORIZED UNDER SECTION 1681B OF THIS TITLE. 2 EXCLUSION- EXCEPT AS PROVIDED IN PARAGRAPHS ( 3 ) THE TERM CONSUMER REPORTS DOES NOT INCLUDE ( a ) SUBJECT TO SECTION 1681-3 OF THIS TITLE, ANY ( I ) REPORT CONTAINING INFORMATION AS TO TRANSACTIONS OR EXPERIENCES BETWEEN CONSUMER AND THE PERSON MAKING THE REPORT ; COMMUNICATIONS OF THAT INFORMATION AMONG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE. THE INFORMATION MAY BE COMMUNICATED AMONG SUCH PERSONS AND THE CONSUMER IS GIVEN THE OPPORTUNITY, BEFORE THE TIME THAT THE INFORMATION IS INITIALLY COMMUNICATED, TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMONG SUCH PERSONS ; ( B ) ANY AUTHORIZATION OR APPROVAL OF A SPECIFIC EXTENSION OF CREDIT DIRECTLY OR INDIRECTLY TO A CONSUMER CONVEYS HIS IR HER DECISION SUCH NITICE MAY BE GIVEN TO A CARDHOLDER, Y PRINTING THE NOTICE OB ANY CREDIT CARD, OR ON EACH PERIODIC STATEMENT OF ACCOUNT, ISSUED TO THE CARDHOLDER, OR BY ANY OTHER MEANS REASONABLY ASSURING THE RECEIPT THEREFORE BY THE CARDHOLDER. ( I ) THE TERM CREDIT CARD MEANS ANY CARD XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My chime card was stolen and used for {$5500.00}. i disputed it because it is unathorized. I do not have an account with XXXX  my account with them has been suspended since XXXX which they have confirmed. you are only allowed to make one account so that further proves i didnt make the transactions since they are all form this year. the merchant has confirmed this yet chime is still stating that no error occurred and that i would not be reimbursed. XXXX had confirmed that i had not deposited money with them since XXXX and that my account was terminated last year so i should not have been charged. If chime asked the merchant what name was the account under using my name they would have clear evidence that i did not make or authorize these transactions.
Product: Debt collection

You are in violation of 15 U.S. Code 1692g - Validation of debts and under the National Consumer Assistance Plan ( XXXX ) mandated that on XX/XX/XXXXXXXX XXXX XXXX XXXX effective date that all medical debts equal to or less than the amount of {$500.00} is to be removed from any and all credit reporting agencys. Im protected under this law made in affect by the Biden administration that was put in place to protected classes as myself and this company is not in compliance to this law.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unauthorized Inquiries on Consumer Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding unauthorized inquiries placed on my consumer report by credit bureaus, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). Despite my efforts to rectify this issue through other channels, I have yet to receive a satisfactory resolution, prompting me to seek your assistance in addressing this matter. 
On XX/XX/year>, I lodged a complaint with the XXXX XXXX XXXX ( XXXX ) regarding the unauthorized inquiries on my consumer report. However, to date, I have not received any correspondence or resolution from the credit bureaus in response to my complaint. 
According to the FCRA, credit bureaus are required to have a permissible purpose for accessing consumer reports. Permissible purposes include, but are not limited to, a firm offer of credit, insurance, employment application, or court order. I have thoroughly reviewed my financial records and have found no evidence of any such permissible purpose for the inquiries made on my consumer report. 
Therefore, I am requesting that the Consumer Financial Protection Bureau intervene in this matter and investigate the unauthorized inquiries placed on my consumer report by the credit bureaus. I kindly ask that you review the documentation provided by the credit bureaus to verify whether a permissible purpose was indeed established for these inquiries. If such documentation exists, I urge you to provide it to me for my review. 
Furthermore, I request that appropriate action be taken to ensure that the credit bureaus comply with the FCRA and cease any unauthorized inquiries on my consumer report. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will thoroughly investigate this complaint and take the necessary steps to resolve it promptly.
Product: Credit reporting or other personal consumer reports

I am diasppointed with how my complaint results turned out - I need further investigation of my case and I need you to thoroughly pay attention as I am getting more XXXX  as the day passes by.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with the credit companies and they failed to delete all mis- reporting ; unproven mis spellimgs of my name and address I have provided government documentation that proves my true identity. My state laws and FTC laws states that if the reporting information is not true, complete and perfect it must be deleted, I wish not to take any other names or abbreviation of my government name,
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file : ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax didnt remove the fraudulent data from my credit report. I submitted a dispute, disputing the accounts and inquiries that I didnt make and that were listed on my Identity Thief Report and after their investigation they found the data to be accurate. My credit is so damaged by this inaccurate information, Im not able to get a loan or anything that requires good credit.
Product: Checking or savings account

I received a mailer from Bank of America with a promotion for a checking account with a {$300.00} signup bonus. The bonus would be awarded if certain requirements were met. I signed up for the account in XX/XX/XXXX and had completed all of the requirements by XX/XX/XXXX. I called Bank of America shortly after completing the requirements to confirm that the requirements had been met. The representative told me that I had met all the requirements and that I did not need to do anything else but wait for the bonus to post. The amount of time listed in the mailer seemed to indicate it would only take 90 days for the bonus to post but the representative told me it would take 90 days plus an additional 60 days. I waited until XX/XX/XXXX and then contacted the bank again. At that point they told me the promotion was denied as I had not met all the requirements. At that time, too much time had past for me to meet any additional requirements for the bonus and so I was locked out of being able to do anything further. Had the first representative told me I had not yet met the requirements, I could have performed tasks to meet them. I was given false information that prohibited me from obtaining the bonus. On XX/XX/XXXX, I contacted the bank and asked them to review the account, but they said there is no one I can speak to directly about this issue and I simply must wait another 30 days while the issue is being reviewed, all while I keep {$1500.00} minimum in the account to avoid any minimum balance fees on the checking account. I contacted the bank again on XX/XX/XXXX but they would not let me speak to someone on the promotions team directly and said the account is still being reviewed.They told me to keep waiting, but also told me that if my review was denied I would not be notified. The only way to determine if any decision was reached would be to call a phone representative who could check on the status. I believe that the bank is dragging the issue out on purpose in order to force me to keep my money in the checking account.
Product: Credit reporting

An address in XXXX is on my report and I have never resided nor used an address in that state! I have only resided in XXXX XXXX and XXXX since I was XXXX!
Product: Debt collection

They are texting and calling me non stop ever since XX/XX/XXXX. 

Threatening to sue sending letters to my parents house XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third 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, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I'am demanding a deletion of the following account. Also XXXX and Equifax report balance is not factual or Accurate. : XXXX XXXX XXXXXXXX XXXX XXXX XXXX I have reasons to believe that the information provided by these sources, particularly the collection account from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inaccurate, unauthorized, and in violation of the law. This misinformation is adversely affecting my good name, character, and ability to qualify for new credit opportunities. I am exercising my rights under the Fair Credit Reporting Act, specifically referencing the following provisions : - 15 U.S. Code 1681i - Procedure in case of disputed accuracy - 15 U.S. Code 1681e - Compliance procedures -15 U.S. Code & 1962f- Unfair practices
Product: Credit reporting

Debt has not been accurately verified. They have not produced a contract with my signature as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is not honoring FCRA 605B. I submitted an identity theft packet requesting a block to Transunion via certified mail on XXXX-2017. The item was delivered on XXXX XXXX, 2017 at XXXX XXXX. Instead of blocking items, Transunion opened a 30 day investigation which was scheduled to complete on X/X/2017. FCRA 605B requires four items in order to reauire a block of information. 1. Appropriate proof of identity of the consumer, 2. A copy of an identity theft report, 3. Identification of the information that is asserted to have resulted from identity theft, and 4. A statement by the consumer that the information is not information relating to any transaction by the consumer.
FCRA 603 ( q ) ( 4 ) defines an identity theft report as a a report that : " ( A ) that alleges an identity  theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or  such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. " I have included all of the above in my identity theft packet sent to Transunion and Transunion failed to block the items. Although most items were eventually resolved through the 30 day investigation, I have yet to have one fraudulent collections come back as " verified. " although the CRA is required to block since I provided all the information required. This is not my account. I did not open the account hence why I included it in the identity theft packet. If my account was verified, its because my correct personal information was used to open the account. Please correct this issue and block XXXX from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent off three letters to the credit bureaus, one to XXXX, one to experian, and one to XXXX  by certified mail to dispute items on my credit report. The letters were received XX/XX/2020 by experian and XXXX, XXXX  received their letter on XX/XX/2020. The fair credit reporting act states that they have 30 days to complete an investigation or else the items are supposed to be removed. I received no response from them at all, after the 30 days was up and not receiving a response from them I sent another letter to them following up on my first letter, still no response from them in any way. I cant even get a representative on the phone to talk to, I'm very frustrated because these companies are taking advantage of the consumers.
Product: Mortgage

PNC has had all the documentation needed to give me a closing date on my mortgage, and they won't give me a date when we can close my mortgage. Any information PNC requested I've sent over same or next day. Any time the closing date approaches PNC has a last minute information request that delays closing additional days. I've had to resend the same documents over and over again to PNC. We were supposed to close on XX/XX/XXXX, and it still isn't closed and I don't have a closing date as of XX/XX/XXXX. No one is helping at PNC, no one is explaining what has happened, and no one can get answers. I think PNC may be intentionally delaying the processing of my mortgage so I have to have a higher interest rate. 

On Monday, XX/XX/XXXX, PNC added {$30000.00} to my cost to close for no reason out of nowhere. It made absolutely no sense, it was wrong, they had to correct it, and it's another reason they've given me to delay closing. Now today XX/XX/XXXX, more than a month after submitting documentation needed to close, PNC just asked me to confirm that I work remotely ( after more than a month of having documentation on my employment ). 

PNC is costing me XXXX of dollars, they are not giving me any info, and they are not resolving the issue. I desperately need help to force PNC to process my mortgage in a timely manner. I'm getting screwed over again and again and again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Date : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this CFPB complaint to you today to inform you that I was the victim of identity theft. Per FCRA section 605b you are required to remove any 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 list of items which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), The Credit Bureaus shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have recently become a victim of identity theft and request your assistance in blocking accounts associated with the fraudulent activity from appearing on my credit report. 
I discovered the fraudulent accounts when reviewing my credit report. The following unauthorized account were identified. Please remove all fraud alerts and fraud victim statements from my file please. And do not add any alerts or freezes to my credit report files. 
The following accounts are not mine and do not belong to me, please remove : XXXX. Account Name : XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. Account Name : XXXXXXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX The above mentioned accounts were opened without my knowledge or consent. I believe this incident occurred due to the theft or misuse of my personal information by an unknown individual ( s ). To mitigate any further damage caused by this unfortunate situation, I kindly request that you take immediate action to block these unauthorized accounts from appearing on my credit report.
Product: Checking or savings account

M & T Bank without warning or notifying me they blocked all my account again, and putting it for a review. They refuse to disclose as to why nor will they release my funds. They told me any electronic payments made will bounce. 
They wont even allow me to log in to the account to see any transactions. This is the SECOND time in about a year that they froze my accounts for more than a week. ( The last time they did this the manager ( XXXX XXXX XXXX ) was rude and accused me of committing fraud and implied that I was a criminal and hung up on me ). There is no reason why they blocked my account ( and didnt even have the decency of letting me know that my account has been frozen/blocked ). 
I went to the XXXX branch today to find out why its being blocked, and they couldnt help me. They said that it was corporate who blocked my account for a min 7-10 day review.
Product: Vehicle loan or lease

My Inicial Balance Is {$11000.00} the total payment I do is {$10000.00} They say i have a balance due of {$7300.00} I do a payment plan start in XX/XX/XXXX for payment because a loss my job, im pay on time my payment plan and XX/XX/XXXX they repossession the car. now they request i need to pay {$7000.00} for return my XXXX XXXX XXXX XXXX XXXX XXXX Credit Acceptance Account XXXX XXXX XXXX