23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I have been a victim of identity theft and have since engaged XXXX to monitor for account openings, financial activity, etc.. using my SSN and/or name. On XXXX XXXX, 2015 I received multiple notifications from XXXX stating that checking/savings accounts had been openend in my name using my SSN. I quickly contacted Wells Fargo, provided all identifying information and offered to go to a branch and provide my ID and SSN cards as proof. I was informed by XXXX that XXXX checking accounts ( with XXXX debit cards ) and a savings account had been opened using my SSN and name however the ID info was different. I informed XXXX that I did not open the accounts and they had been opened fraudulently. I requested the acocunts be CLOSED IMMEDIATELY and was subsequently told that the accounts can not be closed until I obtain a police report and complete a Wells Fargo form. These accounts are opened in MY NAME AND MY SSN but I can not close them without taking off from work and going to file a police report, then having to take off AGAIN to go pick up the police report and submit along with the Wells Fargo form so they can conduct an investigation before the accounts can be closed. This is Ludicrous! I have had a mortgage with Wells Fargo for several years and they can clearly see I live in XXXX yet they knowingly opened accounts in XXXX without properly verifying the identification of the individual because if they would have verified the ID they would have realized it did NOT MATCH what they had on file for me! Wells Fargo has failed XXXX and XXXX responsibilities and I am being punished for their lack of concern for these policies!
Product: Consumer Loan

I am receiving calls from a debt collection company for a non-existent debt. I originally filed a complaint to comsumerfinance.gov XX/XX/2014. The company'w response was that my name was closely associated with one they had a contract with. They admitted they had no contract with my name or s.s. number and said they had removed my number from their system. However, to this day they continue to call me and leave messages that I need to contact someone in their company about a debt.
Product: Checking or savings account

I noticed unauthorized accounts on my consumer report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion had a glitch which remove inquiry 's the without 5 day notice place back on account. I called and was told it they would be removed and a credit report would be sent to showing update still have not received report showing that it has. I just called XXXX spoke to someone name XXXX from special handling and to told to contact CFPB
Product: Credit card or prepaid card

I purchased a flight in XX/XX/XXXX that was delayed over 3 hours. My XXXX XXXX card comes with a 3 hour flight delay protection, where Citi will pay for any reasonable expenses during the delay. I submitted a claim following their procedure, which consisted of meals and taxi rides. I was reimbursed for the taxi rides, but not the meals. I inquired about this, received no response, then inquired again, saying if I did not hear back in a week I would complain to the CFPB. I have still heard nothing back.
Product: Checking or savings account

I have a health savings account with UMB Bank. On the online portal it says it takes 2-3 days to process deposits. However, without fail, every time my deposit is made it takes 10 or more days for them to make the funds available to me. Which puts me in a financial hardship situation where I can not go see my doctor because the funds allocated to do so are not being made available to me in a timely manner. 

I have called them and complained, and when I call and complain they can magically make those funds available when you threaten to contact the CFPB. However, unless I call to complain on average it takes 10-14 days for them to make funds available to me.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, Equifax, and XXXX for reporting a child support obligation on my consumer file. Child support obligations are not consumer debt and therefore can not be reported on credit reports, as per the ruling in Miller v. Trans Union LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my report to buy a car and I seen frivolous amounts of inquiries on my report that I did not authorize nor recognize here is a list from XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

When I reviewed again my credit report, I discovered that some of the information was still erroneous. The XXXX credit bureaus must validate these items in line with Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$390.00} Highest Balance {$390.00} Opened XXXX. XXXX, XXXX ( 3 yrs, 6 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Dispute resolved ; customer disagrees Original Creditor Name XXXX XXXX XXXX BANK XXXX XXXX A Opened XXXX. XXXX, XXXX ( 6 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX IN CO Opened XXXX. XXXX, XXXX ( 5 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX BANK Opened XXXX. XXXX, XXXX ( 3 yrs, 3 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX Monthly payment {$30.00} Opened XXXX XXXX, XXXX ( 10 mos ) Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Account closed by credit grantor Times 30/60/90 days late 2/1/0 Closed XXXX XXXX, 2022 Monthly payment {$220.00} Opened XXXX. XXXX, XXXX ( 6 mos ) Term No Info Account status Open Type Line of Credit Responsibility Individual Account. 
Remarks No Info Times 30/60/90 days late 1/1/0
Product: Credit reporting or other personal consumer reports

I have an equifax account, the online access portal is NOT allowing me access -- with my log in details, Ive called the Equifax repeated times attempting to resolve this issue. Earlier today I was promised to receive a email from Tech support to resolve the issue. No call has been received as of XXXX hrs XX/XX/year>.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX CFPB Complaint Against Experian for Refusing to Delete Outdated Address Complaint Summary : I am filing this complaint against Experian Information Solutions, Inc. for refusing to delete an outdated and inaccurate address from my credit report. Despite my formal requests to have the address removed, Experian has refused to act, stating that the address is attached to XXXX verified accounts. However, this address is no longer valid, and its continued reporting violates my rights under the Fair Credit Reporting Act ( FCRA ) and other privacy laws. 

Details of the Issue : On XX/XX/24, I submitted a formal request to Experian to remove an outdated address from my credit file. The address is no longer my residence, and I requested that Experian delete it from my credit report. In response, Experian refused to remove the address, claiming that it is tied to XXXX verified accounts. I believe this reasoning is flawed, as the address is no longer relevant or accurate and should not be part of my credit file. 

Violations and Legal Concerns : Experians refusal to remove the outdated address violates the following legal provisions : 15 U.S.C. 1681c ( a ) : This statute requires the exclusion of outdated or irrelevant personal information, including old addresses, from credit reports. 
15 U.S.C. 1681e ( b ) : This requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 
Opt-out and privacy laws : I have a right to control the sharing of my personal information, including outdated addresses, under various privacy and opt-out provisions.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that was not reporting accurately. This account is hurting my ability to obtain credit. It is my understanding that TransUnion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX - XXXX
Product: Debt collection

I checked my credit report and found a unpaid debt for XXXX XXXX posted in my report. This action was done by I C Systems debt collection. I called and explained it was not my debt. During that conversation, actually 3, I found this debt belonged to my son who lives at a different address and apparently subscribed to XXXX XXXX. They told me to call XXXX XXXX to fix this problem, I did. XXXX XXXX told me they gave the collection company the correct information and they used a practice called " skip tracing '' and that collection company would have to correct it. I called I C Systems back and they refused to correct this error and remove the debt posting from my credit report. I C Systems phone XXXX XXXX XXXX XXXX Spoke with XXXX employee XXXX. They reference is report XXXX XXXX XXXX and account XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX I spoke to XXXX in Texas. The XXXX XXXX account number is XXXX. The account is in the name of XXXX XXXX XXXX. They posted to my credit report for XXXX XXXX XXXX My contact is ph. XXXX XXXX XXXX, email XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  XXXX Account Number : XXXX 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: Vehicle loan or lease

To Whom It May Concern, I was sold a used XXXX XXXX vehicle by the XXXX XXXX dealership of XXXX XXXX, California in XXXX. I was fitted into a loan promoted by the dealership itself known as Santander Consumer USA. The vehicle was sold to me under false pretenses, as the car was in poor condition and had mileage that was falsely reported in the original paperwork for the purchase of the car. 
The odometer had illegally been tampered with and as a result, the reading was inaccurate. I attempted to contact the dealership and the loan department to no avail. I then proceeded to contact Santander Consumer USA in an attempt to remedy the situation and return the vehicle, allowing for the lease to be considered null and void. 
Santander Consumer USA proceeded to voluntarily threaten my credit by posting a charge-off to my account when I voluntarily turned-in the car in XXXX XXXX, New Mexico in XXXX. The Vehicle was serviced repeatedly, costing thousands of dollars, at many XXXX XXXX dealerships throughout the Western United States. 
I have attempted numerous times to settle the debt with Santander Consumer USA, to be told that unless the lease terms were met in full financially, they would not reverse the charge-off status on my credit reports. The vehicle was sold again at auction and I have been left with a very damaging mark on my Credit Reports and have been repeatedly denied credit over this  allegation Is there any assistance you can offer me on this matter? 
Most sincerely,
Product: Credit reporting or other personal consumer reports

Good morning, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX  # XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things still on my credit that are incomplete and not accurate. I received a letter from the creditor with an inaccurate balance, and they did not do the proper investigation, I would like this account removed or deleted, because its hurting my credit score & ability to get credit, and according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and XXXXt Account # XXXX XXXX. XXXX. XXXX XXXX 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 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 of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

on or about  XXXX   XXXX , I called in  to Citi Bank to  make an arrangement on my account. in  XXXX   XXXX , I contacte d Citibank  about fraud charges that were on my account from  XXXX . I was told they would address it and they did not. I left out of the country and left the card home. When I returned, there were additional charges to my account, more than {$2000.00}. I filed a second fraud claim. At that time I was also informed they never addressed the first set of fraud charges. Nonetheless I put in my claim. I submitted all documents request by the fraud department and left the country for a mission trip. While I was gone several request was  made by citibank  regarding the claim and because I did not receive it in time, they closed the claim and I was stuck with the bill. I lost my job and was unable to pay the bill On or around  XXXX   XXXX , I spoke with  XXXX  @  XXXX  about settling my account. She told me that I qualified for a program that I would need to pay  XXXX  per month for 5 months. This would bring my account current and the account would not close while on the program. A contract was sent to me with these terms on  XXXX / XXXX / XXXX .   On  XXXX / XXXX / XXXX  I spoke with an agent to see how the program would work if I paid the 5 month payment plan in advance. At that time I was advised my account was closed. She apologized but said my account was closed at the time I was placed on the program. When I initially called in the automated system did not advise me that my account was closed. It does now. How could this happen if the account specifically setup to avoid closing the account and getting the card holders account back on track?   This ambiguous agreement has affected my credit tremendously. Not only did they not handle the fraudulent claim but now they are not honoring the program terms that were outlined to me when I signed up.
Product: Student loan

On Saturday, XX/XX/XXXX I was sent an email telling me that my UAS XXXX account was 60 days past due. Since XX/XX/XXXX, I have sent {$170.00} every XXXX of the month, occasionally throwing in an XXXX XXXX  or so if my monthly budget allowed. 

I have been consistent with my payments and on XX/XX/XXXX, my monthly payment was increased to {$400.00}. I spoke with a lending XXXX via email and they explained that as long as I continued making payments that my account would not become a delinquent account. 

Since XX/XX/XXXX it has been a tug of war with them and the credit bureaus. They would report specifically to XXXX that I had not been making any payments thus lowering my credit score significantly. 
I tried getting into contact with a loan officer again in an attempt to renegotiate my payment plan and the only offer they gave me was three month forbearance. I explained to them that I can pay up to {$200.00} and it wouldn't make sense to apply for forbearance because I would not realistically be able to make {$400.00} in as little as three months. They told me they couldn't do anything because that is all XXXX offers.

I asked for a number to speak directly to a XXXX XXXX  and I was sent to the website where I originally applied to the loan. There was no number to contact only a chat bot. When speaking with the chat bot about lowering my monthly payment, they directed me to a debt collection company called XXXX XXXX. 

I explained to the XXXX XXXX operator that I intend on paying the loan but needed some sort of repayment plan and she spoke about another " forbearance program '' but refused to provide a link to apply to it and instead asked me to pay {$86.00} in order to start the " application process ''. 

So after three hours on the phone I am left in the same place as before. XXXX XXXX has another link that leads me to XXXX XXXX. I have no idea if these companies are even linked to XXXX XXXX boasts a collaboration with students who can not repay their loans but are misleading in their attempts to negotiate in any other form than an extremely temporary solution that is provided by a third party they do not openly disclose on their website. 

I just want to pay off my student loans without them throttling my credit score and affecting other financial aspects of my life. This practice is confusing and predatory.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax 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 XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I tried to contact their customer service but still they didn't answer me right how to restore my account my account permanently limit in PayPal and I don't know how they didn't even give me explanation why my account restore I didn't do anything wrong, now they said I will wait 180 days to get an email about how I will get my balance there but still no emails receive in them the 180 days are over so pls help neto  get my balance and restore my account