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 the blocking of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Payday loan, title loan, or personal loan

Original loan was through XXXX XXXXXXXX XXXX in XX/XX/XXXX. Old National Bank bought them and started servicing this loan in XX/XX/XXXX. My XX/XX/XXXX payment was made via auto-pay at XXXX XXXX website as was all previous payments. The payment came out of my bank on XX/XX/XXXX, was credited by XXXX XXXX Bank on XX/XX/XXXX, but was mysteriously " reversed '' on XX/XX/XXXX. An error code of " XXXX '' is associated with this reversal, but XXXX XXXX has no explanation as to what that means. This reversal resulted in late fees and continual letters from the XXXX XXXX Collections Dept. However, NO funds were returned to my bank account. 
This " reversal '' is obviously a computer error on XXXX XXXX 's side since my bank balance the day payment was taken was just shy of $ XXXX AND no funds were credited back to my bank. Since then, late fees have been included... 
I called the bank twice before receiving the first late notice on XX/XX/XXXX. After that, I have called the collections department AND the Client Care Dept several times. I have been told repeatedly that XXXX XXXX has no idea what happened or why it happened, but demand that I " catch-up '' on my payments. 
I have corresponded via email that included four months of my bank statements ( proving no funds were returned to me ) AND trace numbers of the payments provided by my own bank. 
No answers yet.
Product: Checking or savings account

Hello, I called Bank of Texas where I have an account that has been sitting for many years. I have lived in CO for a few years and decided I needed to close the account a couple of years ago. They told me to send a letter in requesting the account to be closed and they sent me a letter stating my signature did not match the opening signature.. I was not present for the opening of the account as I did it over the phone to open the account. Fast forward to a few years later, I decided I will just register to view my account online and it said the account number does not exist. I have over 25 statements showing my account number ( they have my middle name spelled wrong on the statement ). I verified over the phone my full name, address ( no longer live there ) and my old phone number that was used to open the account which was a land line at the time. She said it was all correct. Then I gave them the account number which is listed on all the statements they mailed to me and they said it was not correct. They then told me I had to come to the location in Texas to hear anything about my account and why it froze in 2019. She also stated they could only text the land line number on the file for verification and that would not work so I had no choice but to travel to another state to find out about my funds. I asked to talk to a manager and she said no I had to come in person. I am very scared at this point as they will not even tell me what happened to my money. It is completely unreasonable to ask someone to fly and spend hundreds of dollars to even speak to someone to find out where my money is. I need to know where my money is and how I can get the money and close the account. They can even transfer it to the original place it came from to open the account. I do not trust this bank at all at this point and need the money put back to the bank it was sent from to open the account. I have attached a copy of one of the statements I have saved in my file cabinet that shows this is the actual bank account number. She was saying that I was wrong. Here is proof.
Product: Credit reporting or other personal consumer reports

This is in regards to Equifax. They responded within 1 hour of my complaint. It is about XXXX inquiries that were not made by me around the end of XX/XX/2024, I disputed deemed factual on the first 2 disputes and then I disputed again and they said the inquiries were being deleted not factual. But yet again they are still on my report and I called stayed on the he phone for 40 mins talking with them. This is the last time I will complain. I will go ahead and let my attorney take over. If my demands are not considered.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Failure to Conduct an Investigation Within 30 Days Violation of FCRA ( 15 USC 1681 ) To Whom It May Concern, I am filing this complaint regarding XXXX XXXX XXXX XXXX failure to conduct a proper investigation into inaccuracies on my account within the 30 days required by the Fair Credit Reporting Act ( FCRA ). I believe their actions are in violation of the FCRA, specifically 15 USC 1681, Section 602 ( a ), which mandates that financial institutions act fairly, impartially, and with respect for consumer privacy when fulfilling their responsibilities. 

Explanation of the Issue Failure to Conduct a Timely Investigation : XXXX XXXXXXXX XXXX failed to investigate disputed information within the XXXX time frame required by the FCRA. This delay demonstrates a lack of adherence to the FCRAs standards for prompt and thorough investigations. Their inaction has caused unnecessary delays in resolving critical issues related to my account. 

Violation of Privacy Obligations : The FCRA requires financial institutions to respect the privacy of consumers. 

XXXX XXXX XXXX has failed to protect my personal information from unauthorized access or sharing. 
They have not provided me with clear options to opt out of sharing my personal information with nonaffiliated third parties, as required under federal law. 
Consequences of the Inadequate Investigation : XXXX XXXXXXXX XXXX failure to meet their investigative obligations has caused significant harm, including : Denial of credit. 
Higher interest rates on loans or credit accounts. 
Damage to my personal and financial reputation. 
Legal Basis Provisions of the FCRA Violated : 15 USC 1681i ( a ) ( 1 ) : Requires a financial institution to investigate disputes within 30 days of receiving a notice of dispute. 
15 USC 1681s-2 ( A ) ( 1 ) : Prohibits a person from furnishing any information to a CRA if XXXX know or have reasonable cause to believe the information is inaccurate. 
Other Privacy Protections Violated : 15 USC 6801 : Requires financial institutions to protect nonpublic personal information and respect customer privacy. 
15 USC 6802 ( b ) and ( c ) : Obligate financial institutions to provide clear options for consumers to exercise their nondisclosure rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX account name XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I hope you can help I reached out to the bureaus on XX/XX/2023 and haven't gotten a response. I noticed so incorrect info on my report I'm getting upset! Also I dont know who these creditor are! I will list the accounts below! 

XXXX. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX  XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please investigate and delete from my credit report XXXX. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received notice my credit information was exposed by Equifax being hacked. I went to the Equifax website to confirm and Equifax confirmed my information was breached. That was XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I applied for an auto loan. I was denied based on information provided by Equifax. Then I went to XXXX to find out what was wrong. XXXX XXXX and XXXX show good credit sufficient to secure an auto loan or any other loan. I was unable to access my Equifax information. The website denies me access no matter what I do. Tried calling them and am on hold for up to XXXX hours when a recording plays. It says the party you are trying to reach is unavailable. 

So, they are reporting bad information compared to other credit agencies. They deny access to that information and are unreachable to get any information. 

As a consumer, I find this a tortuous interference of business. Slanderous and with intent to do harm. What is my recourse?
Product: Mortgage

Discrimination based on age, XXXX, possibly religion in process concerning approval at Chase home mortgage. Expressed concern over Discrimination and I was immediately retaliated against by denying my approval for a primary home mortgage snd instead they turned it in to a counter offer for a higher rate product on XX/XX/year>. XXXX XXXX and XXXX XXXX discriminated against me by ignoring the requested documents I submitted for the application and I was made to submit the same thing multiple times without response or explanation. I demonstrated enough in liquiditable assets to cover the entire application balance I applied for so the only possible explanation is discrimination based on XXXX and age.
Product: Mortgage

I was ready to close on a mortgage for a property we were purchasing. The date of the closing was XX/XX/2020. I was ready to close, had my down payment ready, etc. then just less than a week before closing we were told a hole new story. The property was zoned residential, but the building could not be lived in because it didnt meet egress codes. I see no reason why we couldnt have closed on the property, got their mortgage ; and then deal with the other issues after the holidays and the winter weather, etc. 
In the meantime we have spent several thousand dollars are inspections, architects, more applications, etc. then this week they said the would not finance us at all because they dont deal in such high risk projects. 
They, started this whole process, only to back out now! This isnt fair to us after jumping through all their hoops for 6 months, nor is it fair to our sellers. By the way, they should not have had to wait so long. Theres no reason we couldnt have closed XX/XX/XXXX, and waited till nicer weather to deal with the construction issues! 
Sincerely, thank-you for your help with our issues.
Product: Credit reporting or other personal consumer reports

I discovered ( XXXX ) hard credit inquiries on my experian account for opening new lines of credit, all of which I personally did not inquire about myself. I believe my social security number was used and an incorrect address lead to denials. The credit inquires are as below, the dates are the ones listed on the mailed notices I received : XX/XX/year> : XXXX XXXX XXXX XXXX XX/XX/year> : Citizens Credit Card Services XX/XX/year> : XXXX XXXX XXXX XX/XX/year> : XXXX XXXX I called citizens bank who reported they did not have any inquiries matching my name or social, although I have a hard copy of the denial letter from the bank. I called XXXX XXXX and they dropped my call. I have a credit freeze placed by XXXX, but need to dispute the several hard inquiries to my credit which I did not make.
Product: Credit reporting or other personal consumer reports

the addresses on my credit report are not my addresses these addesses is not mailable # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ) XXXX XXXX XXXX # XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX in XXXX, XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX il XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am writing to request the removal of unauthorized credit inquiries on my TransUnion credit report. My latest credit report shows 15 credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNIONXXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 Please have these unapproved inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

Thank you for your assistance.
Product: Debt collection

Portfolio Recovery Associates ( PRA ) garnished my wages for a medical debt purchased from XXXX XXXX opened in XX/XX/XXXX. PRA was paid in full on/about XX/XX/XXXX, via case # XXXX reported as closed with XXXX XXXX Sheriff. PRA is claiming that I have a balance of {$710.00} and continue to report negative activity on my credit bureau and harass me with phone calls ( these have now stopped after a formal complaint to the company ). I have provided proof of payment via wage garnishment to credit bureaus to no avail - item continues to be reported as outstanding based on their inaccurate reporting. Not only has this been paid in full, the medical debt was incurred XX/XX/XXXX and statute of limitations for collection expired in XXXX. I would like PRA to close this account, stop all harassing collection attempts and correct it on my credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to Transunion several times regarding ( 3 ) collections on my report : XXXX XXXX, XXXX, and XXXX XXXX XXXX I disputed these item several times. Today, I spoke with the agent at Transunion and asked them to provide the information that they are using to verify that these are accurate and belong to me. The agent stated that they dont have that info and they only go by what the businesses are telling them. Thats insane! These companies are not providing proper documentation and the consumer ( me ) can not get a copy of the documents to verify that they belong to me. Ive contacted the companies directly and they havent responded. I need Transunion to get the proper documentation from these businesses and provide copies to me. My identity was stolen some years ago and I believe these are a result of that. I need to know what they are using to verify its me. I am so frustrated bc Transunion has become so laid back when it comes to their consumers credit. It is affecting mine greatly!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is violation of the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681I ) ( a ) ( 5 ) ( B ) ( ii ). They failed to notify me of the reinsertion of XXXX in writing within 5 business days. This account was removed several months ago from my credit report after I disputed it. I noticed that transunion just added it back on my credit report and refuse to remove it. This is a very serious violation of the FCRA.
Product: Credit card or prepaid card

- XX/XX/XXXX - Phone call - ( XXXX XXXX ) I called the Barclays customer service as XXXX and spoke with representative XXXX XXXX 

During the call I spoke to XXXX about my concern that my early payments where not being accounted for properly and that there was something strange with my account. Please note how Barclays focus shifts to some occurance with XXXX and not my initial problem. 

XXXX said " There is some discrepancy beginning from XX/XX/XXXX '' and that there was an ERROR and she would open a case to be investigated ( Case ID # XXXX ). 

-- -- - XX/XX/XXXX - Phone call - ( XXXX ) Checking on case - No update. 

-- -- - XX/XX/XXXX - Official letter - Letter from Barclays ( attached below ) - Mentioning " We recently identified an error in which you did not receive the correct miles on your card account '' The letter states that there was an error. Vaguely explaining, what the error was and when the error was made. Stating that Barclays had : " calculated the correct number of miles and that they would be reflected on my account. '' -- -- - XX/XX/XXXX - Phone call - ( XXXX ) Called Barclays and spoke with XXXX ( Employee ID : TICMRP ) to understand what was happening with my account and to be updated on CASE and understand Letter received by Barclays. 

After saying there was no visible error, he spoke with a specialist, and confirmed that " it will take 1-2 billing cycles for it to be resolved ''. Contradicting the letter in the mail and XXXX 's initial ( CASE XXXX ). 

I was transferred to the supervisor woman named XXXX ( Employee ID : XXXX ) to understand If she could help me. She Assured me that the letter was sent out by accident and that there was no visible error on the account. 

As of that moment I decided to pay the full account balance with XXXX ( Employee ID : XXXX ) to have more details on the record and in the near future close my account. 

-- - XXXX XXXX - Formal Complaint to CFPB - After not being able to understand I am writing this formal complaint before having to get lawyers involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

Hi, I fanancing a car since last year for XXXX and up less than XXXX I paid XXXX amount XX/XX/XXXX till now my account balance is XXXX I thought this is just stole people money West Lake Financial services XXXX that 's a scam bank no good if anyone has to finance a car do n't go with that scam bank
Product: Credit reporting or other personal consumer reports

XXXX and XXXX are claiming that these creditors are not reporting my financial information to them as they are failing to allocate the accounts
Product: Money transfer, virtual currency, or money service

On sat XX/XX/2022 I was having an issue with my crypto.com app. It was not loading. So I uninstalled it and re installed it. Before that I had my phone number changed. Because of that I was was unable to use the 2 step verification because the number they had was no longer active. I chatted with them on their app and tried to change my number. They refused to change my number because it was a XXXX XXXX number. I did not try to change my address. I I formed them that I was unable to log in and to try and find another way to let me into my account with my money and financial information. They kept refusing to let me access to my account. This is illegal. They can not deny me access to my money or my financial transactions and irs related documents. I talked in a course of hours. They kept trying to say that I was not restricted yet I can't access my account unless I have a phone number from another state. They want to try and force me to go to another state to get a phone number so I can access my funds and banking information. I still have yet to get access to my info and digital wallet. IN ESSENCE THEY ARE STEALING FROM ME AND PREVENTING ME FROM MY RIGHT TO MY INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent over letters to Experian and XXXX requesting that unverified accounts with incomplete and unknown data be verified. I am receiving emails and results stating that they are verified. The last results I received from XXXX on Monday XX/XX/19 state that the accounts have been verified, however they did not provide the method of verification and completely ignored the request for a signed consumer contract with my signature and all of the incomplete unknown data accounts still remain on my credit report. The same results also happened with Experian. I also received a letter from Experian they they will not investigate the matter further. With a prior dispute with Experian, 2 of the accounts were deleted, however all of the other accounts containing the same incomplete unknown data were left on.