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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card, auto loans, personal loans, insurance policy opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

XX/XX/2016 My name is XXXX. I applied for a mortgage for a new construction condo in XXXX from Citizen 's bank back in XX/XX/XXXX of this year. My mortgage was approved and I was to close on XX/XX/2016. As of this date, I have still not closed. 

I sold my home to my daughter and son-in-law back in XX/XX/XXXX and they secured a mortgage for their home in XXXX through Citizen 's bank. I could not close on my condo until they closed on their house since I am using the money from their closing for the down payment for my condo. 

We utilized the same bank and the same loan XXXX to make the transition easier. The process for this loan has not been close to be easy. It is not that I do n't have experience with mortgages : my home that I sold to my daughter was financed through Citizen 's bank, I remortgaged my loan a couple of times through Citizen 's bank and I bought my second home in Maine with a mortgage through Citizen 's bank without problems. 

At the beginning ( the first day XXXX the loan XXXX ( XXXX XXXX communicated fairly well with us to secure the loan and after that, communication rarely happened. Then XXXX ( I am not sure of her title ) began working on the loan and has helped me at times and has been picking up where XXXX has left off. XXXX has been very little throughout this entire process in which I then contacted XXXX 's boss, XXXX who did not respond to my emails. I then found XXXX 's XXXX 's name, who I believe is the Vice President at Citizen 's Bank. She did email me back to say that she will get back to me. She did not, but instead a gentleman by the name of XXXX email me. He did help me a few times and I could get some information from him. Then I did n't hear from XXXX any longer. 

I have gone up the entire chain of command at Citizen 's bank with very little communication. My closing attorney 's office has done much of the communication. XXXX from Attorney XXXX 's office checks in every couple of days to everyone in this process. XXXX and those involved with Citizen 's bank has done very little. It is I who sends out email on the status. It is I who checks in routinely. It is I who asks what documents are needed. This has become a full-time job for me. I have made complaints to my local bank 2 months ago and XXXX XXXX stated that she will file a complaint on my behalf on Friday. 

As of Friday, I was told that the condo association needed to send more documents XXXX which they did that day ). Over XXXX weeks ago I asked specifically XXXX and XXXX XXXX, XXXX, XXXX and XXXX, I was given information on the specifics that needed to be submitted. Then XXXX called me on Friday and asked for more information. 

The condo that I am buying is new, but the division that it is built in is not new and has been there since XX/XX/XXXX! In the last XXXX months, there have been XXXX more condos that have been bought and closed with different banks! My bank keeps asking for more information!!!!! 

I have been living at my daughter 's home since XX/XX/XXXX when this was supposed to be closed. 

Please help. Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. This is my new letter that I am a victim of inaccurate reporting and I write to dispute the remaining items in my file resulting from the misleading information in my credit report. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an inaccurate reporting. These items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} -- -- -- -XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian is the only XXXX who won't take this fraudulent charge off my credit report. Why are they allowed to do this? 
I have a bogus charge from a landlord who had no authorization to charge me but falsely reported to Experian and they won't remove it. 

is CFPB not regulating Experian? This is a voting year i'm going to write political letters if this isn't handles. This is so wrong and unfair.
Product: Credit card or prepaid card

My credit score - through XXXX XXXX  - is showing I missed a payment on my discover card. There is no missed payment on my discover card and I have not missed any payment to my knowledge. I have been paying on time. I am not sure if Discover is reporting this or if XXXX XXXX is pulling wrong information. However, I wanted to get ahead of this and dispute it as reporting on my credit score. The payment history page on the website of Discover is incomplete, however, I was never notified that I missed a payment or that a payment was due. I have had issues with Discover in the past, in that my card has been frozen and unused for over a year but the payments are inconsistent. The amount constantly changes and sometimes the bill does not post. This may have been what happened in XXXX or XXXX. There was no amount owed for the month on my account and therefore, I did not pay. This should not be reflected on my credit score. 

Please contact me at XXXX if you have any questions. 

XXXX XXXX
Product: Credit reporting 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 remove these inaccurate items in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters on XX/XX/2022 and again on XX/XX/2022, with no response from either consumer reporting agency ( XXXX, Equifax, or XXXX. ) Also, I have called these agencies and the representatives have been unwilling and unable to assist me with removing these erroneous items from my consumer report.
Product: Credit card or prepaid card

I had a credit card with Chase Bank a few years back and it was a credit limit of {$20000.00} and I had a balance of {$19000.00} and change I paid it on time every month until it was paid off. I have called them several times regarding this is not showing up on my credit report at all. It should be listed on all three major credit bureaus as a positive remark. They have not tried to help me regarding this when I called last time they told me they will go ahead and put it through to all three major credit bureaus but they still have n't done so this should be something to impact my credit report because of the balance I paid off!!!! Please have them immediately update this to all three major credit bureaus. 
My ss # XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

This is an addendum to my original complaint number XXXX. My last " dispute '' regarding this number was made on XXXX XXXX, 2016 in a phone call with XXXX. Since that time I have tried to contact US bank at their corporate office as well as at the Oregon phone number they gave me for their District Manager. I have been unable to reach anyone over the phone. I wanted to speak with someone who could tell me where I could send my documentation that REFUTES allegations made in their letter dated XXXX XXXX, 2016 written by a XXXX XXXX at the corporate office in XXXX XXXX, Minnesota. I have been told by XXXX different switch board operators at XXXX different offices for US Bank in Minnesota that it is Company Policy to NOT give out phone numbers to Consumers ... I find this to be a very " NON-transparent way to run a federally regulated bank. I was even told that they could not give me ANY information on how I might contact their legal department either by phone, email, or regular mail ... .I have made every attempt to try to get my documentation into the " right '' hands at US Bank so that they can see that their " representation '' of the way things happened since THEY, US BAnk, reported me dead on XXXX XXXX, 2016 are in fact false and misleading. It is obvious that they have no desire to get this matter corrected and refuse to accept their culpability by simply in a very benign way ( avoidance ) to created obstruction to my efforts to resolve a variety of issues that have arisen since THEY, US BANK reported me dead on XXXX XXXX, 2016 ... .I made a call to XXXX and then to XXXX on XXXX XXXX, 2016 without any result other than to be told by both operators that they were not allowed to give out phone numbers or any other information including how to reach their legal department. I believe that federal regulations should NOT allow this kind of lack of Transparency ... .Because I have been unable to make contact with anyone regarding my issues with US Bank , I am next going to file a complaint with the OCC/Department of the Treasury regarding my experiences with US BAnk. Please consider this as additional issues with US Bank that began with US bank reporting me dead to XXXX on XXXX XXXX, 2016. Additionally, I again, had my XXXX XXXX credit card used fraudulently on XXXX XXXX and XXXX XXXX, 2016. Because purchases totalling nearly {$4500.00} were made on my card, online fraudulently, I believe that the issues created by US BANK are still 90 days later continuing to create credit problems and undue stress and I believe that someone at US BAnk needs to be held accountable and that US BANK needs to step up and do whatever it takes to rectify a problem that was initially created by them!!!! It is obvious by their " avoidance '' to actually allow me to present my documentation to them and/or to speak directly to a person in their legal and/or auditing department, that US Bank needs to be reprimanded by someone and somehow ... The abuse that I am being put through as a result of the " ERRORS '' made by US Bank need to be put to an end SOONER RATHER THAN LATER!!!!!
Product: Credit reporting or other personal consumer reports

When I viewed my credit profile I saw I had some hard inquiries that are not mine.
Product: Credit reporting or other personal consumer reports

I have, on copious occassions, contacted XXXX to determine the best method of resolving my debt with the focus of removing the information from my credit report. I wanted to pay in full so I could return back to school but postponed my return to school, due to the promise that making small monthly payments for 9 months would allow the information to be deleted from my credit reports. When that did not happen, I was informed that the information would be removed in 7 years from the first delinquency which was XX/XX/XXXX. I was given a date of XX/XX/XXXX. I waited.The information was not removed in XX/XX/XXXX. I disputed the information through Equifax multiple times and each time, XXXX responded disrespectufly quickly. They updated the delinquency date to XX/XX/XXXX, continue to report the negative information, and refuse to provide any proof as to why. I dropped out of school in the XXXX  of XXXX ( the term for which the loan was provided ). I have proof of this in the form of a transcript with all XXXX My federal loans would've been due and deliquent ( since I did not pay ) in XX/XX/XXXX. The loan was paid in full in XXXX. They have no reason to continue reporting negative information on a paid in full XXXX  loan 7 years and 4 months after the first delinquency date of XX/XX/XXXX.
Product: Credit card

I received a phone call from an XXXX XXXX, claiming to be with the Consumer Financial Protection Bureau. She asked if i opened an account today with Bank of America in Texas. She had the last XXXX digits of my XXXX XXXX XXXXXXXX. I stated that i had no knowledge of such an account. She gave me a XXXX # RL XXXX and said she needed to transfer my call to another department. I asked for the callback number and was given XXXX. She transferred my call to an XXXX XXXX, who was supposedly going to take steps to cancel the Bank of America account and then check to see if there were any other unauthorized accounts recently opened in my name. I informed this individual that I was not going to provide any personal information, and that he should not ask me. He insisted that he is not permitted to ask for personal information. I stated that he should go ahead and cancel the unauthorized Bank of America account. We kept going in circles with his assertion that he would cancel the account, but also needed to make sure there were no other accounts. His failure to handle this in a straightforward manner aroused my suspicion and I hung up. He called right back and asked if i had hung up the call. I hung up again. Can you verify whether a Bank of America account was actually opened in my name, please? XXXX XXXX, XXXX.
Product: Mortgage

Freedom only responded to one request of the the 3 I required them to send... also I asked them to remove escrow which they said they would do thru a letter they sent me
Product: Credit reporting, credit repair services, or other personal consumer reports

In its response to my Complaint # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX had stated : " Any credit reporting XXXX provided on behalf of XXXX  has been deleted ''. 

However, the Credit Reporting Company EQUIFAX failed to delete the derogatory information in my credit report that was originally provided to it by XXXX.
Product: Money transfer, virtual currency, or money service

Description : I opened an account online with Crypto.com a few months ago. Its under XXXX. Made electronic. ACH deposits from my XXXX XXXX to crypto.com. Purchased BTC and etherium. I have sold positions into their XXXX XXXX. I was shocked when I could only Transfer out back to my XXXX XXXX just {$5000.00} daily limit. I still have roughly {$12000.00} still and received an email from crypto stating I violated their rules and locked me out of my account. Ive sent over 20 emails, chatting on their computer help chat line. No access at all as of Wednesday XX/XX/21. Ive emailed them as I said over and over. Many times. No help. They do not have a phone # to call. Please help me get the {$12000.00} returned to my checking account ASAP Thank you. XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

i looked at my credit report and there is something in XX/XX/year> beginning date with a 1 month term and then it also said on the XXXX  report it will be removed from the rport at the end of the year. the amount is over XXXX
Product: Debt collection

During the pandemic my working hours were shortened and I was eventually laid off< I was unable to pay my rent. After months of searching I found a job out of Town and I was illegally evicted by XXXX XXXX XXXX. I was not offered the housing assistance program by the apartment complex although I was eligible
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft XX/XX/XXXX someone opened an auto loan in my name under XXXX   XXXX and now its in collection. closed XX/XX/XXXX XXXX XXXX hi balance of XXXX   closed XX/XX/XXXX is not mine XXXX XXXX opened XX/XX/XXXX someone used my ssn for this account. not mine. this account closed on XX/XX/XXXX XXXX XXXX XXXX this account went to collection. opened XX/XX/XXXX. not mine XXXX opened XX/XX/XXXX. not my account closed XX/XX/XXXX XXXX XXXX XXXX   opened XX/XX/XXXX balance XXXX  is not my account XXXX XXXX XXXX   showing as a charge off. this is not my account BankruptcyXX/XX/XXXX error. not mine XXXX XXXX XXXX closed account. this account does not belong to me
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 accounts/items which do not belong to me or were opened without my permission. 
XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I requested a replacement card three times every time I've been unable to be activated so I have any emails compromised internet and rerouted customer service phone calls I am fed up tired of all this mess is been going on for quite some time now and this is not the only thing that has done this
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off accounts on my credit, the balances still showed on my trans union credit file, I filed a dispute, it went thru the process 30 days, I received an email telling me my updated credit file was available, when I looked on my trans union account, 2 accounts were still showing one for XXXX XXXX XXXX for {$29000.00} and one for XXXX XXXX XXXX for {$8900.00}. I called trans union and was told they could only file another dispute, I told them no they should have gotten it correct the first time, im waiting to get some financial things done on my account and now still have to wait, they seem reluctant to help, with what they should have gotten correct the first time.
Product: Consumer Loan

I traded in my toyota Rav4 on XXXX/XXXX/2016 on XXXX/XXXX/2016 tmcc finance company received the check for the payoff from the dealer where I traded my suv. they have the check and continue to collect on a debt I do n't owe. they made a mistake on their end and continue to penalize me, add fees and have marked my credit report as 30 days past due.