23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Applied for a loan of $ XXXX with U.S. Bank XXXX USB ) on a condo purchase of $ XXXX. Closing date set for XXXX/XXXX/2015. USB failed to meet closing on that date, failed to meet adjusted closing of XXXX/XXXX/2015, failed to meet readjusted closing of XXXX/XXXX/2015 and as of this evening, failed to meet latest closing date of XXXX/XXXX/2015. At all times, communication with USB has been XXXX with constant reassurances that everything is OK, but then communication ceases and goals are not met. In addition to having to explain " Domestic Partnership '' to a bank doing business in California, the most recent hurdle was telling me to change the purpose of the purchase from " XXXX Home '' to " Income/Rental '', which changes the interest rate that was originally agreed to.
Product: Money transfer, virtual currency, or money service

I am reaching out to express my deep frustration regarding a very recent experience I had while trying to dispute unauthorized transactions on my PayPal account. 

A few month ago, I discovered XXXX transactions on my account that I did not authorize. Promptly, I took action in line with PayPal 's policy, which allows customers 60 days to dispute such transactions. I submitted XXXX claims for these unauthorized charges and was eager to resolve the issue. However, when I reached out to customer service, I was met with disappointing feedback ; representatives communicated that there was nothing they could do to assist me further. 

Navigating the PayPal website in search of helpful resources has proven to be an exceptionally challenging task. The links provided often lead to dead ends or pages that don't contain the information I require. It's disheartening and frankly, very unhelpful when trying to resolve a matter as serious as unauthorized transactions. 

I even went so far as to call your customer service hotline, hoping to have my concerns directly addressed, only to find that no representatives were available to help. The sense of alienation in these moments is particularly frustrating. 

As a long-time PayPal user, I have always appreciated the convenience and support typically offered. However, the lack of adequate response and resolution channels may force me to reevaluate my options moving forward. 

I am requesting that someone from your team contact me directly to discuss this issue in more detail and hopefully point me towards a resolution. 

Thank you for your attention to this matter, and I look forward to hearing from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent all required documents that supports my ftc violation claim inquires caused were not removed XXXX : XXXX : XXXX XXXX experian rpts ar XXXXXXXX XXXX XXXX XXXX XXXX XXXX 5 times XXXX XXXX XXXX twice XXXX XXXX experian : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Please see attached a copy of a collection notice from TRS Recovery Services , XXXX. This collection agency is trying to collect on a debt for a bank overdraft. It states that they are trying to collect on behalf of XXXX XXXX XXXX. I state for the record that I have never had an account with this bank. Therefore, I insist that full documentation be sent to me with 100 % proof that I had a checking account with XXXX XXXX XXXX. I state for the record that I never had an account with this bank, and I have spoken to this collection agency claiming that I am not the party they are trying to collect upon. I need all letters and calls to cease and desist permanently. If any reference to this illegal collection process in om my personal credit reports, then I respectfully request the removal of said collections.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
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 confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 card or prepaid card

In XXXX of XXXX, I reported my XXXX XXXX American Express missing and asked for a replacement card. The annual fee for this card is {$590.00}. They never sent it. 
In XXXX I was billed again for {$590.00}, which I paid. They refuse to send my card. I've called repeatedly and as of XX/XX/XXXX, Ive asked for a refund, prorated back to XXXX of XXXX. 
They are refusing. I am a long time > 20 year Am Ex card holder and have had the XXXX Platinum Card for XXXX or 10 years. 
If this has happened to me I am certain that it has happened to others. When XXXX pays {$590.00} annual fee for the card, one shouldn't have to beg for the card. 
Please advise. 
Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Today XX/XX/2021 I attempted to transfer funds from Coinbase to my credit union account / debit card. I received an error message stating " We're having connection issues. Please try later. '' I tried later, repeatedly, and got the same answer. I have {$7000.00} in Coinbase, and I need it today. My email with them is XXXX.
Product: Debt collection

NATIONAL CREDIT SYSTEM INC has been reporting an negative account on my Consumer report since XXXX XXXX  with attached balance of {$3200.00}. I do not know who this person is/are and have not given permission to to obtain any of my personal data. This leads me to confusion particularly to how said debt is owed. The said debt is being verified by XXXX, XXXX, and XXXX somehow as valid. I have disputed the issue with all bureaus and have not been successful in resolving the matter. In addition to multiple letters sent to XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX  which resulted in being returned and XXXX XXXX XXXX. XXXX, XXXX  XXXX with no response. Interestingly the Bureaus have been able to communicate with NATIONAL CREDIT SYSTEM INC and confirm said debt is valid. Per FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) items excluded on a consumer report include a report containing information solely as to transactions or experiences between the consumer and the person making the report. NATIONAL CREDIT SYSTEM INC, XXXX, XXXX, and XXXX are in violation of the law by reporting such transactions. 
Permissible Purposes of Consumer Reports Section 604 ; 15 U.S.C. 1681b Investigative Consumer Reports Section 606 ; 15 U.S.C. 1681d Legally Permissible Purposes. The FCRA allows a consumer reporting agency to furnish a consumer report for the following circumstances and no other : XXXX. In response to a court order or XXXX XXXX XXXX subpoena. 
XXXX. In accordance with the written instructions of the consumer. 
XXXX. To a person, including a financial institution, that the agency has reason to believe intends to use the report as information for any of the following reasons : a. In connection with a credit transaction involving the consumer ( includes extending, reviewing, and collecting credit ) ; b. For employment purposes ; XXXX c. In connection with the underwriting of insurance involving the consumer ; d. In connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality that is required by law to consider an applicants financial responsibility ; e. As a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation. 
f. Otherwise has a legitimate business need for the information : i. In connection with a business transaction that the consumer initiates ; or ii. To review an account to determine whether the consumer continues to meet the terms of the account. 
iii. In response to a request by the head of a State or local child support enforcement agency ( or authorized appointee ) if the person certifies various information to the consumer reporting agency regarding the need to obtain the report. ( Generally, this particular purpose does not impact a person, such as a financial institution, that is not a consumer reporting agency. )
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX -DATE OPENED XX/XX/XXXX Account Name : U S DEPT OF EDXXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : U S DEPT OF EDXXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX -DATE OPENED XX/XX/XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX -DATE OPENED XX/XX/XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXXXXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial and other companies fraudulently pulled my credit report without my authorization. These unquurues were not authorized and are fraudulent : Ally XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I purchased my home in XX/XX/XXXX. I financed the mortgage with Rocket Mortgage ( Quicken Loans ). I always pay on time, I have never missed a payment or paid late. On XX/XX/XXXX I applied to refinance my mortgage in an attempt to lower my interest rate. 

Rocket Mortgage said they were unable to approve my loan because I owe past due child support. I explained that I have a court approved child support order to repay the past due child support in monthly installments, but Rocket Mortgage said they were still unable to approve my application. 

I want to know if a bank can legally deny a loan application based on past due child when the child support is being paid per court order?
Product: Debt collection

To Whom It May Concern : I am writing regarding an entry listed on my credit report under your XXXX XXXX XXXX name. I request that you provide validation of the alleged debt as I have the right to dispute its validity under the Fair Debt Collection Practices Act ( FDCPA ). Per 15 U.S.C. 1692g, please provide me with the following information : 1. The original agreement or signed contract related to this debt, showing that I agreed to pay the alleged amount. 2. The name of the original creditor and an itemized statement showing the amount owed, any interest, fees, or other charges. 3. Any documentation showing your legal right to collect on this debt. In addition, I have reason to believe that communication practices associated with this collection have violated my rights under 15 U.S.C. 1692c. If you can not validate this debt in full compliance with federal regulations, please cease all further communication regarding this debt, and have this entry removed from my credit report immediately. Please consider this a formal dispute. Any further reporting of inaccurate information to credit bureaus may constitute a violation of the FDCPA. Thank you for your prompt attention to this matter.
Product: Debt collection

On XXXX I received a summons that I was being sued by RMC of America for medical debt from XXXX. I never received any sort of bill in the mail and I'm being charged for bills from an agency I don't recognize. The original bill was with XXXX XXXX XXXX XXXX in XXXX XXXX, AR and they sold my debt to RMC of America. I also received no notification of that transaction. I had no medical insurance and asked the hospital for financial assistance options multiple times. There was XXXX communication with me, it was shocking and the bill is astronomical.
Product: Checking or savings account

I was intending to cash a payroll check that was issued by HSBC, the teller told me that I would need to deposit the check in an account because it was too large. So I indicated that I would like to open a checking account then. He looked at me in utter disgust, proceeded to hand me the check back and said " you need {$40000.00} dollars to open an account here '' I never felt so low, nor have I ever experience and form of XXXX. I left at first and then check the terms of opening an account and this man excluded two other options for opening and maintaining an account and one of them was maintaining a monthly balance that was less than the check I wanted to deposit. When I called customer service they confirmed that what I was told was incorrect and asked me the persons name, apologized and said that they do not tolerate that at HSBC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had a synchrony care credit card. They are Reporting a {$1000.00} synchrony credit card on my credit without my knowledge I never applied for this card nor did I use this card this is completely fraudulent I asked them to remove it and they have not it is completely demolished my credit
Product: Credit reporting or other personal consumer reports

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately FCTUALDATA XXXX XXXX XXXX FCTUALDATA - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FACTUAL DATA XXXX XXXX XXXX XXXX XXXX XXXX XXXX FACTUAL DATA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXXXXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. It proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have tried numerous times to dispute this collection. This is a debt that was a result of identity fraud. The debt was removed in XXXX to disputed agency that attempted to collect over the debt from XXXX. I believe this is an identity scam. I have asked for validation of the debt and I have not received any response or validation of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX via mail about accounts on my report wit improper dates that are misleading and i asked for removal of these accounts if they can not verify the correct information. I've gotten no response from them and they didn't delete the accounts as requested
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX CT XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX  XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX : {$2000.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX Balance : {$390.00} ; XXXX  XXXX XXXX Balance : {$5400.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported XXXX XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Bank account or service

On XX/XX/2016, USAA bank restricted my access to my bank accounts. The bank subsequently closed my accounts. Over the course of the past 5 months I have spoken with the bank over 29 phone calls. 

The bank has approximately {$13000.00} of my money. The bank has repetedly refused to return my money to me. They have held it from me for 5 months. Further, since the bank restricted my access to my accounts, they have not provided me monthly account statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

My SSN was used without my knowledge and/or consent to illegally purchase a car. I notified the sales manager of the car lot, along with the bank. 
Let them know my identity was compromised. Was advised someone would contact me, which did not happen. Now the bank is negatively impacting my credit score.
Product: Prepaid card

I filed a dispute on XX/XX/year> and received my dispute form and sent it on XX/XX/year> I was told my dispute was denied because they used my card pin but I contacted cash app and they dont never ask for card pin you just need card number expiration date and cvv to take money off card
Product: Credit reporting or other personal consumer reports

I received a response from the credit reporting agencies indicating that the investigation of these accounts was completed and the items were verified. However, my credit report still contains multiple inaccuracies. 

Under 15 U.S.C. 1681i ( 7 ) regarding the Method of Verification, I am entitled to understand the verification process conducted by your agency. I demand a detailed account of every step taken to ensure the accuracy of these disputed items. 

Despite the investigations, my credit report continues to reflect discrepancies. I request the immediate removal of these inaccuracies from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized and unrecognized inquiries on credit report.