23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX, I had looked into the possibility of obtaining a personal loan from XXXX XXXX. While going through the process and submitting some basic information, I decided against applying for the loan. To be completely clear, I did not finish the application process as they were asking for more documentation I was not comfortable giving to them AND never received any sort of loan offer because the application was never finished. Today, I was notified by TransUnion that XXXX XXXX had created a hard inquiry for credit score WITHOUT my authorization OR permission, as I had made it extremely clear I was no longer interested in applying for a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

My husband received an email at XXXX p.m. today, Wednesday XX/XX/2022 addressed to me saying thank you for opening TD checking account. No one opened such account. When the company was contacted we were directed to their fraud department which shut down the account and was informed to call the FTC as well as the credit bureau companies to report this as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Card was open by Fraud back in 2017. I have sent 3 request to all 3 Bureaus, Experian, XXXX and XXXX to have this deleted from my credit reports, Per Bureaus waiting on response from XXXX XXXX XXXX and will initiate removal. Please delete record on my credit report, this is affecting my ability to close on my house this month due to this incorrect and erroneous reporting for a card opened by Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}
Product: Credit card

XX/XX/XXXX/XX/XX/2015 I was a victim of Identity Theft on my Barclays USAir Mastercard. I had used the card and made charges. One day I received an email that information had changed. I called and much to my dismay all my data was changed and no one would talk to me, I finally found an individual to help me. He assured me there was nothing to worry about and did n't even bring up the idea of canceling my card or identity theft. This individual I wish I still had his name did n't even know what identity theft was. I requested to speak with a manager and cancelled the card. I received a replacement card in XXXX 2015 and none of the data points were changed, I was locked out of my account but this time someone attempted to make a payment and pay my balance in full against my account on file. The only way I knew this was happening was due to the fact that my bank kept bouncing the payment, I called Barclays after the XXXX attempt and was told that they could not fix this issue and that they would have to wait. No one there seemed to be helpful for me at all. I was told that this would be fixed and the card canceled again. I got a new card and did not attempt activating it this time. Nothing happened, I did not get a new bill, I heard nothing from Barclays, I was told everything was taken care of, I tried logging in several times and no success, I spoke to several individuals who failed to assist me. I finally hear from Barclays near the end of XXXX 2015 that they close my account because of a payment that bounced, but I 've yet to request any payments because I have n't received a bill from them. Now as of XXXX XXXX, 2015 I find that Barclays charged off my account. I am extremely XXXX out because I was not aware this was happening, I have been trying to fix my credit by repaying timely for the past XXXX months on a great deal of my accounts. Now because a creditor fails to mail me bills, does n't respond to me, and when I called yesterday to discuss this issue has no resolve for me and is reading from a script I am at a loss. I explained that this XXXX person at Barclay 's on XXXX XXXX, 2015, that I am not denying that the charges are mine. I am simply at a loss because I received no billing statements, I was a victim of identity theft, I 've been calling in and have made an address change several times, he just keeps reading from a script and informing me that these are charges I made and I am responsible for the bill. What in the world am I to do? This is a manager who provides absolutely no resolve. Sure I will pay the bill but I want my credit repaired. I want the account shown closed and not as a CHARGE-OFF. How is this going to happen?
Product: Credit card or prepaid card

I am a victim of identity theft/mail fraud as of XX/XX/2021. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that CB INDIGO/GF absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Product: Mortgage

I have an escrow account with my mortgage company for insurance and taxes. They did not pay my taxes for 2016 until after I was served by a constable in XXXX and called them. They paid all interest and penalties incurred from my escrow money although it was not my error. Now the county taxes are suing me for court costs for this incident for which I was not responsible. My mortgage needs to reimburse all penalties and interest as well as pay the court cost for their error.
Product: Checking or savings account

In mid-XX/XX/XXXX the bank froze my accounts ( checking and savings ) and confiscated all my funds ( {$16000.00} XXXX and have refused to discuss their actions with me. I do not know why they took this action but in working with the Assistant Manager of my local branch it appears it has to do with a former client of mine ( I am a XXXX XXXX ) and all the wrong doing, if any, was done by that client. We can discover no wrong doing by me. The bank refuses to discuss their action with me. The Assistant Manager has sent at least 5 inquires to the " higher ups '' asking that my accounts be unfrozen, but has not recent a response. The bank 's Fraud Resolution Group has sent three messages to the office who imposed the freeze and they to have not received a response. I have made two written submissions to the bank setting out all the details of my former client 's actions. I have not received any response. 

In addition the XXXX Federal Stimulus monies ( {$1200.00} total for my husband and I ) were sent to our joint account at the same bank by the IRS. The bank has retained the funds and has refused to release them to us or to refund them back to the IRS. The bank gives no reason for this theft of our funds.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Incorrect Late Payment Reporting by XXXX XXXXXXXX To Whom It May Concern, I am writing to file a formal complaint againsXXXX XXXX XXXXXXXX regarding inaccurate information on my credit report. Specifically, XXXX XXXX has incorrectly reported my car payment as late. Despite my repeated attempts to have this error corrected, XXXX XXXX has refused to update my records to accurately reflect that all my payments have been made on time. 
Late payment reported for Payment summary XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX - XXXX XXXX- XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX Actual Payment Status : - All payments made on time Consumer Laws Applicable Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccuracies on my credit report. The relevant sections include : - XXXX*15 U.S.C. 1681i ( a ) : ** Requires credit reporting agencies to reinvestigate disputes. - **15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : ** Obligates furnishers of information ( such as XXXX XXXX ) to provide accurate information. - **15 U.S.C. 1681s-2 ( b ) : ** Mandates furnishers to investigate and correct inaccurate information when notified by a credit reporting agency. 
Previous Legal Actions Against XXXX XXXXXXXX It has come to my attention that there have been similar legal actions taken against XXXX XXXXXXXX for the same issue. Notably : - **Case : XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX, XXXX XXXX ** : This lawsuit addressed similar issues of incorrect reporting and failure to correct inaccuracies.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX DOB : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 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. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted. 

XXXX XXXX XXXX bal. {$350.00} XXXX XXXXXXXX XXXX XXXX XXXX bal. {$110.00} HOPE XXXX XXXX XXXX bal. {$0.00} XXXX XXXX XXXX XXXX bal. {$0.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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: Debt collection

I made all payments charge long ago, yet the company states I owed {$20.00} which in turn became {$340.00}. I was sent no information regarding that I had owed any more than I already paid and was charged fees for a bill that was fabricated by XXXX XXXX XXXX.
Product: Mortgage

I reached out to my mortgage company to get assistance with possibly doing a loan modification. I had been impacted by Covid for a year and then after that I took a job for less pay. I experienced great hardship in my personal life after that with someone XXXX XXXX XXXX XXXX. I am now at a point in my life that is stable and have a stable income. XX/XX/22 I was emailed and mailed the incorrect information to request for assistance. How do I know that? XX/XX/22 I received several pieces of mail from my mortgage company. Two documents Introducing a new relationship manager. And another saying they needed additional information. The information requested was listed already on my account as being received and accepted. I was told numerous times on the phone the rep manually marked my account for requests of hardship as being completed. I was also told XX/XX/22 that the application I filled out was wrong and needed to fill another out but had to find it myself. I sent all that was requested yesterday. Today XX/XX/22 I call back as I was told to do to verify if my docs were received. I get told that I need to send more docs in that were already sent once before. I questioned why and requested to be informed what all would be required so I can make sure all my docs are sent in today. I was placed on hold for 15 min and then blind transferred back to the automated system. I got someone else on the line and informed I sent in all the docs but wanted to have it noted that I sent in what was asked and now Im being told that it was wrong. The person refused to listen to what I had to say. When I requested a supervisor several times they hung up on me.
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. Regardless of the multiple written requests, the unverified Inquiries listed below are still reporting on my credit report in violation of federal law. The 3Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following inquiries completely from my Credit Reports : EXPERIAN : 1. XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX 2. XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX 3. XXXX XXXX Date of Inquiry XX/XX/XXXX 4. XXXX Date of Inquiry XX/XX/XXXX 5. XXXX XXXX  Date of Inquiry XX/XX/XXXX 6. XXXX XXXX Date of Inquiry XX/XX/XXXX 7. XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX 8. XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX : 1. XXXX Date of Inquiry XXXX XXXX, XXXX 2. XXXX XXXXXXXX XXXX XXXX Date of Inquiry XXXX XXXX, XXXX 3. XXXX XXXXXXXX XXXX  Date of Inquiry XXXX XXXX, XXXX 4. XXXX XXXX Date of Inquiry XXXX. XXXX, XXXX 5. XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX, XXXX 6. XXXX XXXX XXXX Date of Inquiry XXXX. XXXX, XXXX 7. XXXX XXXX  Date of Inquiry XXXX. XXXX, XXXX 8. XXXX XXXXXXXX XXXX  Date of Inquiry XXXX. XXXX, XXXX 9. XXXX XXXX XXXX Date of Inquiry XXXX. XXXX, XXXX 10. XXXX XXXX XXXX Date of Inquiry XXXX. XXXX, XXXX XXXX : 1. XXXX XXXX Date of Inquiry XXXX XXXX, XXXX 2. XXXX XXXX XXXXXXXX XXXX Date of Inquiry XXXX. XXXX, XXXX 3XXXX XXXX XXXXXXXX XXXX Date of Inquiry XXXX. XXXX, XXXX 4. XXXX XXXX  Date of Inquiry XX/XX/XXXX 5. XXXXXXXX XXXX  Date of Inquiry XXXX. XXXX, XXXX 6. XXXX XXXX # XXXX Date of Inquiry XXXX. XXXX, XXXX 7. XXXX XXXX XXXX XXXX Date of Inquiry XXXX. XXXX, XXXX
Product: Checking or savings account

In 2015, my Chase accounts were closed and I was told that I can no longer bank with Chase again. I was given no reason for this decision, and after 7 years of calling periodically I have still not been able to get my account back. I have no criminal record or history of fraudulent activity or money laundering, so I feel that Im being discriminated against for no apparent reason. I would like to have this permanent restriction lifted off of my account so I can continue to bank with Chase again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to reach out to Discover several times about them reporting something on my personal credit without my permission or authorization. They have ignored me and said they will reach out to me several times but has not taken any action.
Product: Credit card or prepaid card

I made a {$200.00} payment from a bank account i was having issues with ( since closed ) which caused a late payment XXXX XXXX 2020 period ) and I immediately paid the {$200.00} in two payments of {$100.00} from my other bank. I sent paperwork from closing account via secure message showing the 200 should not have been returned, which they stated they received. The {$200.00} was above the amount due. Chase in turn closed my credit card account due to my credit report ( which I am disputing some incorrect information items. ) I asked them to reconsider and they refused.
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 XXXXAs 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 CREDIT BUREAU 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: Checking or savings account

On XX/XX/year> someone fraudulently took {$150.00} off my bank account which caused my bank account to be overdraft from capital one and spend it at XXXX and I reported this to the bank they filed a claim and expedited me a new debit card and gave me temporary credit. I waited into XXXX for my claim to be denied and reopened the claim and still was denied. I reached out to XXXX also they told me that the bank was supposed to refund me my money back. I changed bank account because its been frustrating to deal with this and not get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. XXXX XXXX, INQUIRY ON : XX/XX/2021. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''
Product: Debt collection

Portfolio Recovery has been calling me multiple times a day for months straight now. They also contact me from several different numbers. They have called me at all hours of the day and night, as early as XXXX XXXX  and as late as XXXX.
Product: Bank account or service

I opened a new CITIGOLD account on XXXX XXXX, 2016 that offered a {$500.00} bonus for " an eligible deposit of {$50000.00} or more into a new checking or new savings plus account. '' The only other requirement was to maintain a balance of {$5000.00} or more " for the next 30 days. '' Today is XXXX XXXX and I have made numerous calls to customer service and the bank branch ; there issued a number for an investigation ( XXXX ) on XXXX XXXX, and still no call or contact. It certainly defeats the marketing concept!!! What can I do now?
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate deletion of a fraudulent account that has reappeared on my credit report. This account was previously removed after being confirmed as identity theft perpetrated by my father. I have attached the original police report XXXX from the XXXX Police Department with Officer XXXX badge number XXXXdocumenting this fraud. 

Account in question : XXXXXXXX XXXX and account number is XXXX, account allegedly opened XX/XX/year>. 

Under Section 611 of the Fair Credit Reporting Act ( FCRA ), the reappearance of this previously deleted fraudulent account without proper notification is illegal. This account must be removed from my credit report immediately. 

Please take the following actions : Delete this account from my credit report Send me an updated copy of my credit report confirming the deletion You can reach me at XXXX if needed. 

Enclosures : Copy of original police report Copy of identification
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX [ now XXXX BANK ] has been putting false late payment information [ XXXX and XX/XX/XXXX ] on my car loan listed on my credit report AFTER the car loan had been paid off in XX/XX/XXXX. I have repeatedly given XXXX the information that XXXX INSURANCE paid off the car loan to XXXX in XX/XX/XXXX but XXXX has refused to investigate or correct their information. I have even forwarded XXXX XXXX 's email with the particulars of the check ( check cleared XXXX XXXX bank on XX/XX/XXXX ) used to pay off car loan. However, XXXX is NOT correcting the errors on my credit reports. The credit bureaus are still showing incorrect late payment information from XXXX on my credit reports even though I have given them the correct information through the dispute centers. 

This is a violation of section 1681s-2 ( b ) of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. ( the FCRA ) by failing to investigate and correct disputed information relating to customers loan in reports to the credit bureaus. 

[ 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. ] Since the loan was paid off XX/XX/XXXX and XXXX accepted payment by cashing the check [ cleared in XX/XX/XXXX ], XXXX is in clear violation of the above Code. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the late payments [ XXXX and XX/XX/XXXX ] are still showing up AFTER the car loan was paid off [ XX/XX/XXXX ] by XXXX XXXX, the date of last active is inaccurately listed as XX/XX/XXXX [ should be XX/XX/XXXX ], my credit reports are showing one 30 day late and one 60 days late [ should be zero lates across the board ], payment status shows 60-89 dates late [ should be NO lates ], worst payment status shows 60-89 days late [ should be NO lates ] and XXXX showed the account was closed in XX/XX/XXXX [ should be XX/XX/XXXX ]. I submitted the email from XXXX XXXX through the dispute centers so the credit bureaus had verification that the insurance company had paid the car loan off in XX/XX/XXXX [ letter from XXXX XXXX plus they sent me a copy of front & back of check showing check cleared on XX/XX/XXXX. ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove from my credit report because these accounts were paid with a pay to delete. ( They were paid and agreed to be removed from my credit report )
Product: Credit card or prepaid card

I was diagnosed with XXXX XXXX XXXX and was notified that I would be undergoing XXXX. So I notified all my creditors of my situation and all creditors were ok with using my XXXX protection except for Synchrony and XXXX who refused to use my XXXX benefits that I was paying for on my cards in case I would be hospitalized and out of work which I was. Now they sold my accounts to a collection agency who is now attempting to take me to court in XXXX for debts that didnt have to incur or happen because I had insurance and took the right steps as a consumer.