23daVinci/CFPB_Complaints huggingface dataset:
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax Complaint : Freeze not being lifted, though website, and their own reps indicate otherwise. 

On XX/XX/XXXX I logged into my account at XXXX XXXX XXXX  and initiated a " thaw '' to my preexisting credit freeze. On the website, I received confirmation that the freeze had been lifted. I did not receive email confirmation. 

On XX/XX/XXXX I was denied credit by XXXX due to the Equifax system still showing my credit freeze in place. This was only for a store credit card. XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I called back to Equifax and after 45 min was transferred to a supervisor in the XXXX, and was told " due to an internal error, the freeze was not processed correctly '' and asked if I wished to actually remove the freeze. She asked her staff, and she would not offer any explanation as to why their website SHOWED that my account freeze was removed, nor would she provide any proof to the lender to I could show WHY my credit was frozen and therefore denied. 

I was denied credit because Equifax 's system was non-functional, and was offered no resolution to help me get the credit I have worked so hard to achieve.
Product: Credit card or prepaid card

On XX/XX/XXXX a check was mailed to pay off a Barclays credit card for the balance owed ( {$6200.00} ). The check did not have the credit card account number on it however, the remittance slip was mailed along with the check. The check cleared on XX/XX/XXXX, however, it has not been applied to my account. I called Barclays on XX/XX/XXXX to find out why the payment has not been applied. Barclays has begun a " case '' with an identifying case number to investigate where the funds are. I've also faxed them a copy of the front and back of the check to show its endorsement. I'm very unhappy that this could possibly take that long to resolve. They have all of the appropriate documentation and they've now had the funds for 11 days. Is it perhaps sitting in an account with other unprocessed payments making tons of interest for Barclay the company? I was initially told it would take 1 to 2 billing cycles to resolve, but I escalated it with a supervisor, who told me to call back in 48 hours. I did that today ( XX/XX/XXXX ), and STILL no change in status. Needless to say, I'm very frustrated. I've never had a credit card company take this long to resolve a problem.
Product: Credit card

I applied for a QVC credit account and was approved shorty after placing a order for one of there items without notice my account was closed without any notification to me. When I called the representative stated I owed a passed due balance of {$37.00} and this would need to payed before my account could be reopened. After giving them my debit card number to pay the outstanding balance QVC has not responding on reopening my account that they approved me for in 2015. I would like them to know that closing account can cause damages to my credit and I the customer was not notified of the closing of my account of given a chance to pay the balance before closing my account.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I have disputed this information several times to no avail. Equifax continues to " verify '' a tax lien that is inaccurately reporting on my credit report. I have also requested method of verification which I never received. According to FCRA, Equifax has 15 days to provide method of verification or they must remove this inaccurate information from my credit report. Furthermore, tax liens are to be removed XXXX years from the date it was filed. According to the most recent Equifax report, this tax lien was filed XXXX XXXX, XXXX. This tax lien should have been removed last month on XXXX XXXX, XXXX. Please remove this inaccurate public record from my credit report immediately and send me an updated copy of my credit report once this has been completed.
Product: Money transfer, virtual currency, or money service

Coinbase will not let me make trades in my account. When I try, I get an error message saying my account is under review and I can not make any deposits or withdrawals until it is finished. They sent an email requesting information which I provided. They have not sent me another email regarding any information. Even though I asked if there was any further information they need. I got an email saying that my complaint had been closed. I still can not make trades. The only way I've been able to communicate with them is in their chat window on their website. When I type a message it's XXXX to XXXX minutes before I get a reply and I've tried this several times now and they keep leading me in circles and tell me there will be an email soon. I've received no email my account is still closed they have my money I want to be able to close the account and get my money.
Product: Credit reporting or other personal consumer reports

Tonight, I discovered some completely inaccurate accounts on my credit report, and Im at a total loss as to why theyre even there. When I checked it like I usually do, there were strange discrepancies that Ive never seen before. I tried refreshing my browser, hoping it might just be a glitch, but the inaccurate accounts were still there. This is really upsetting, and I need the documents Ive provided to be checked thoroughly so I dont have to go through this again.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX VIA DEALER Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX TX, XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

RESIDENT VERIFY Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX Rental on behalf of XXXX AT XXXX XXXX. 
This inquiry is scheduled to continue on record until XX/XX/XXXX. 

RESIDENT VERIFY Inquired on XX/XX/XXXX Rental on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XXXX XXXX. 

RESIDENT VERIFY Inquired on XX/XX/XXXX Rental on behalf of THE XXXX XXXX. 
This inquiry is scheduled to continue on record until XXXX XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX IN, XXXX Unspecified. This inquiry is scheduled to FACTUAL DATA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX GA, XXXX R
Product: Debt collection

Ive been called more than XXXX times a day. I just spoke to someone telling me they will send court arrest orders to my house or employment in XXXX minutes
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED XXXX XXXX/DOFED XXXX XXXX/DOFED XXXX XXXX
Product: Credit card or prepaid card

On or about XX/XX/22 we received a bill for {$1200.00} the total amount due from Capital One for a XXXX XXXX XXXX. We paid of the entire balance which was received by them on XX/XX/22. Now we received a charge for {$19.00} for interest due on a XXXX dollar balance. I now see how see how these big companies pray on the senior citizens.
Product: Checking or savings account

BBVA Compass Bank Violations of H.R. 1261 Overdraft Protection Act of 2013 SEC. 4 FAIR MARKETING AND PROVISION OF OVERDRAFT  COVERAGE PROGRAMS. 

SS 140 B. Overdraft coverage program disclosures and consumer protection ( c ) Each depository institution may charge overdraft coverage fees with respect to the use of an automatic teller machine or point of sales transaction only if the consumer has consented in writing, in electronic form, or in such other form as is permitted under regulations of the Bureau. 
[ I, the consumer, never gave consent to overdraft protection nor was given opportunity to opt-in or not. ] ( d ) ( 1 ) ( A ) CONSUMER DISCLOSURES. - Each depository institution shall clearly disclose to each consumer covered by an overdraft protection program of that depository institution- that- the consumer may be charged for not more than one overdraft coverage fee in any calendar month and not more than 6 overdraft coverage fees in any single calendar year, per transaction account ; [ I, the consumer, have been charged 16 times in 2 months! Even if I did consent, they are exceedingly over their limit.that they can charge per one account. ] There are many more violations. However, I will stop there.
Product: Bank account or service

On XXXX XXXX 2016, I went to Citibank XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, NY XXXX ) to inquire about banking opportunities. I was encouraged to open a Citigold account. Within the bank over the telephone, I opened a Citigold account after learning about an amazing promotional code ( XXXX ). Prior to finalizing the account details, we reviewed the promotional code requirements. I was assured that within 3 months of meeting the requirements, the miles would automatically post to my account. The promotional code and my AAdvantage account were then linked to my citigold account to make it easier to transfer the miles. 

My account was funded with {$1500.00} on XXXX/XXXX/16. I met the promotional code requirements within two moths of opening my account. I spent {$1000.00} in debit card purchases on XXXX/XXXX/16. I had two consecutive automatic bill payments to XXXX XXXX on ( XXXX/XXXX/16, XXXX/XXXX/16, and XXXX/XXXX/16 ). In XXXX, I called Citigold ( XXXX ). I was informed I had met all of the promotional code requirements. On XXXX/XXXX/2016, I called Citibank again. I was told the XXXX miles would be deposited into my account within 90 days of meeting the program requirements. On XXXX/XXXX/16, I was informed " Unfortunately, there was not an XXXX XXXX promotional offer in conjunction with the opening of your account. While Citi does offer XXXX mile promotions at times, those offers are only available to the individual to whom the offer was addressed. '' I was shocked. I immediately appealed the decision to the Citigold representative. On XXXX/XXXX/16, I received the exact same letter without any additional information. 

I do not understand why my account does not quality for the promotional offer XXXX, which was offered to me from within Citibank. On XXXX/XXXX/16, I was informed for the first time that this promotional code was not targeted to me. This does not make sense. From account inception until XXXX/XXXX/16, there were multiple telephone calls with Citigold confirming that my account had met the promotional code requirements with the miles to be credited to my account in the near future. As I had no reason to suspect there would be an issue, I do not have a log or transcription of any of these telephone calls. However, I suspect there are multiple internal notes linked to my account within the Account Services department. 
I see no other recourse than to file this complaint with Citi.
Product: Mortgage

XXXX XXXX had my mortgage and sold it to Freedom Mortgage in XX/XX/2021. I was not aware of this. I continued to pay XXXX XXXX  on time each month. The 1st 2 months it was ok because by law stating the lender has 60 days to forward to the the newest lender if I would send it to the wrong one. I live in XXXX, WI XXXX. BUT I use an XXXX, WI address for receiving all mail. XXXX XXXX was aware of this but when it got sold to Freedom mortgage XXXX XXXX  did not let Freedom Mortgage know that the mailing address had a different city & zipcode compared to primary residence. Athelstan post office does NOT deliver mail. XXXX, WI does. The paperwork did not go to the XXXX, WI Address. Hence I missing 5 months worth of payments that reduced my credit score drastically by XXXX XXXX. I found this out when I received an alert from XXXX XXXX to check my credit and found out Freedom Mortgage now had my mortgage and showed i missed 5 payments. My bank XXXX XXXX was sending my checks back to me uncashed. I could not figure this out til it was too late. Damaged has already been done. My lender who refinanced my VA loan helped me straightened it all out as to catching up with my payments YTD and who to pay now, Freedom Mortgage. As you can see with the letters I have attached they all show XXXX address. I would not have received these. I did clear this up with Freedom Mortgage once i paid the YTD in full to show up to date mortgage payments. 
Biggest thing is how can we fix my credit and reimburse the late fees and costs.?
Product: Credit reporting, credit repair services, or other personal consumer reports

They are negatively affected my credit score by false reporting. They dropped my credit limit without my knowledge and proceeded to process a payment late. I went into the store where they dont do cash bill pay and I went online they reported my account later. They are impacting and reporting my scores in an in fair, and derogatory manner!
Product: Checking or savings account

I received a letter in the mail from Bank of America in XXXX, AZ XXXX stating that I attempted to open and account in XXXX, AZ and I was unable to get my funds transferred. I live in XXXX, TX and was unaware of this type of activity. This activity was conducted XX/XX/2022. On the letter it tells me to contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX ( XXXX ) XXXX. I contacted a representative from this number XX/XX/2022 at approx. XXXX. The representative stated that they are a consumer report and handle reports of fraud. I informed the representative that I did not attempt to open up an account with Bank of America. The representative informed me that I can give her my information for contact the credit bureau. At the bottom of this letter is the bank information. 
Bank XXXXenter Name : XXXX XXXX Name : Sales Fulfillment Associates Phone Number : XXXX I contacted this number and a representative answered and stated that she was a rep for Bank of America. I informed her that I did not open up an account with Bank of America in XXXX, AZ. She claimed that they notice it was fraud and stopped the transaction from occurring. She then gave me a number to call to report fraud XXXX ( XXXX ) XXXX. She stated this was XXXX and I need to report this to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally submitted a dispute to the CFPB on XX/XX/2020 and below is the XXXX. excuse as to why Experian does not want to serve my needs. I am so offended of the stall tactics. I demand all of my issues on the letter enclosed get served. Experian is non compliant and I am ready to pursue legal action. SEE EXPERAINS WRITTEN RESPONSE ENCLOSED : Thank you for submitting your complaint on XX/XX/2020 through the CFPB Complaint Portal. We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. COMPLAINT NUMBER FROM CFPB= XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and REMOVE them immediately in my report : XXXX 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

On XX/XX/XXXX i deposited a 3rd party check was funded but account was going to be closed. I already contacted Citibank regarding this situation me and the 3rd party already went to citibank to verify his identity to reals the funds I do have a email with you guys stating that he needs to be present with me to be able to release the funds. Now I am being told that the marker has to submit a claim to reals the funds to me I tried multiple times to get the marker of the check to file a claim with XXXX  that's where the check is from and still no response they did ask the marker to verify the check with citibank and they did with fraud department as well. I need to know where are my funds and what is the next thing to do when the marker doesn't want to file a claim with XXXX  because on there end it's been funded and citibank is holding it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Experian. They are refusing to remove the following old accounts with an " Until Record '' date of XX/XX/2022. See attached credit report that shows the Until Record date of XX/XX/2022. 

Old Accounts still reporting : XXXX. XXXX XXXX ACCOUNT NUMBER : XXXX BALANCE : {$2300.00} Until Record Date : XX/XX/2022 XXXX. XXXX XXXX ACCOUNT XXXX : XXXX BALANCE : {$2300.00} Until Record Date : XX/XX/2022 XXXX. XXXX  XXXX XXXX ACCOUNT NUMBER : XXXX BALANCE : {$2700.00} Until Record Date : XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted XXXX Mastercard XXXX a XXXX private label consumer credit card ) to have a replacement card sent out to me since the one I had was damaged. I was NOT told that a credit report was necessary to do so. This credit pull was NOT approved and I have a letter from XXXX 's Executive Response Unit stating this was indeed an unauthorized and fraudulent credit inquiry. Since the credit bureaus share information, the hard inquiry was not only included on my XXXX  credit report, but also my Equifax and XXXX. On XX/XX/XXXX I filed my first online dispute with Equifax ( conf # XXXX ). Since this was NOT removed from my credit report, I filed my second online dispute with Equifax on XX/XX/XXXX ( conf # XXXX XXXX. As of today, XX/XX/XXXX, this fraudulent inquiry still has NOT been removed from my credit report. As a result, I filed a third online dispute with Equifax ( conf # XXXX XXXX. What else do I need to do in order to get Equifax to do their job and keep my credit file accurate??
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized access and use of my bankruptcy information that was obtained without a permissible purpose under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681a ( 2 ). 

I recently discovered that my bankruptcy information was accessed and reported by [ Name of the Entity or Source ], which, to my knowledge, does not have a permissible purpose for accessing this sensitive information. This action is in violation of the FCRA. 

Under 15 USC 1681b, a person or entity must have a permissible purpose to obtain my credit report or related information. As this entity does not meet the requirements for a permissible purpose, I request that you take the following actions : Investigate the unauthorized access and use of my bankruptcy information. 
Remove the bankruptcy information reported by the unauthorized entity from my credit report. 
Provide me with written confirmation of the actions taken and a copy of my updated credit report once the investigation is complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX Reported XX/XX/XXXX XXXX  Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I tried withdrawing my money which is not going through and when i contacted Paypal customer care, they blocked my account without an option of withdrawing my money, please help me get my money out.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$210000.00}