23daVinci/CFPB_Complaints huggingface dataset:
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 FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX " I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Legal Grounds ( Fair Credit Reporting Act, FCRA ) : 1. Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements.

2. Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted.

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

4. Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

5. Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft.

Additional Legal Support : The cases Pintos v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must comply with the FCRA 's permissible purposes.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
I am writing to request a review and correction of my credit report due to discrepancies I have identified.
Product: Mortgage

My bank statement ( XX/XX/year> ) on page XXXX, NewRez Shellpoint XXXX XXXX XXXX XXXX of {$1700.00} see bank statements attachments On ( XX/XX/year> ) I called in to get a verbal agreement ( confirmation # XXXX ) for NewRez to withdraw on the same above account on ( XX/XX/year> ) you did not make the withdrawal, the money was in the account awaiting your withdrawal of which you did not ( to that end ) you terminated her trial period. 

NOTE : My file ( XXXX ) exceeded ( XXXX ) I will forward the 30 pages to Shellpoint Mortgage/NewRez to make sure they get it by emailing : XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention my dissatisfaction with the outcome of my second attempt to address fraudulent items on my credit report. Despite my initial dispute and the subsequent submission of supporting documentation, I have noted that the fraudulent entries are still present on my credit file. 

I previously reported these fraudulent items. Regrettably, upon reviewing my updated credit report dated [ date ], I discovered that the fraudulent entries persist, negatively impacting my creditworthiness and financial well-being. 

I have attached copies of my initial dispute letter, the supporting documentation submitted, and the most recent credit report highlighting the unresolved issues. 

I urgently request that you conduct a thorough and impartial investigation into this matter, carefully review the provided evidence, and promptly rectify the fraudulent entries on my credit report. It is imperative to stress that these inaccuracies are causing severe harm to my credit standing, and their removal is crucial for my financial security. 

If additional information is necessary to expedite this investigation. I expect a swift and equitable resolution to this issue in accordance with the Fair Credit Reporting Act. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX : {$6100.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX L XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have asked Comenity Bank to stop calling me at work and my personal phone. I have been working with XXXX XXXX XXXX XXXX on credit card consolidation. I just dont want to be harassed
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report with XXXX XXXX XXXX XXXX XXXX is showing that i owe a balance to XXXX state child support of almost 40 thousand, this is not true the balancein fact is nearly paid off and should be posting no more than 1000, in a couple months it should be paid in full i do not want to continue to have my credit showing balances owed that are not ive reported to XXXX   XXXX this is not accurate and they have not yet updated this information
Product: Checking or savings account

Chase bank is holding my only funds without any reasoning. If they would have told me that they were holding my check I would have deposited in another bank that would allow me to access my funds. Every time I call to inquire about my funds still not being available the tell me different things just to get me off the phone. The first customer care agent misinformed me that my funds would be available in two days and that the time stamp on receipt was just generic date. the second person informed me that checks are placed on hold after deposit and basically told me have a nice day. It doesn't make sense that I have to go sell blood to put gas in my car when I have XXXX in my bank account. I will never be submitting large amounts with this bank again because of this grave inconvenience not only for me but my family as well. I would like to get my check back so I can put it in a real bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 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, not later than - business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Checking or savings account

I tried to deposit a check through their application. I tried to take in account that I was using an old, cracked TracPhone. But the application said it it didn't go through. Then I got conflicting information saying that that my check would and wouldn't go through., including a text saying it would. I finally spoke to a supervisor and she said it might not be paid. This was my social security check, so I called the social security office. There was nothing amiss there. Then I got an email saying I have conflicting information and my check would be put on an extended hold because I have conflicting information.I tried to deposit the check a few times and they admit it Meanwhile, my bills aren't getting paid and I am not getting money into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to update/ correct my personal information on file with your company. I recently reviewed a copy of my credit report. I am concerned because there is information that is inaccurate.

Please update my address Please update my name My only and correct date of birth Please remove all other addresses off my report, as they are not deliverable to me by the U.S post office, and they are not reportable as per the FCRA, since they are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pursued a loan/installment plan from XXXX XXXX  XXXX XXXX, and many red flags of illicit activity arose. The evidence is overwhelmingly clear that XXXX XXXX  is a scam. I have reported them to the CFPB five times ( the previous ones attached here ), and the last time I also forwarded the evidence to the Federal Bureau of Investigation XXXX Federal Reserve, Federal Trade Commission, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and the Securities and Exchange Commission to ensure this matter is thoroughly investigated and accountability takes place. 

Credit bureaus : DO NOT allow any information or activity associated with XXXX XXXX  to be factored into my credit score at all. They are not a legitimate company or service. And please do not respond here with a series of graphs, numbers, etc. that imply their " loan '' is valid. Because it is not. Erase them entirely.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$610.00} XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1200.00} XXXX XXXX Balance : {$180.00} XXXX XXXX  XXXX Balance : {$630.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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/2021. And now we are in the month of XX/XX/2021 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
Product: Money transfer, virtual currency, or money service

On XX/XX/23 i tried to add cash to coinbase for additional investing in crypto. My account showed an error so i contacted customer service to find out what's going on. They told me that my account was restricted and i could no longer add cash, buyer or sell crypto, or make withdrawals. I opened an investigation with coinbase and they closed it XX/XX/23 without any further information being communicated to me. On XX/XX/23 i contacted customer service again to find out what the results of the investigation were, they would not give me any additional information. They said after XX/XX/23 i could ask them to investigate this again. They point me to a link that indicates i may have a restricted account because a deposit may have been rejected or i haven't been using a verified account, i would rebut both of these by saying i have not had any rejections by my bank and i've been using the same bank account for years. this seems fraudulent. How can they get away with doing this to consumers and not have to be accountable to any regulatory agencies.
Product: Credit card

In XXXX of 2023 XXXX made XXXX charge to the XXXX credit till the card was maxed out. Beginning on XX/XX/2023 the fist charge of {$450.00}, a second charge on the same date of {$390.00}, third charge on XX/XX/2023 {$830.00}, fourth charge same date {$990.00}, fifth charge same date {$830.00}, sixth charge on XX/XX/2023 {$990.00}, and the seventh charge on the same date for {$340.00}. I never received statements from XXXX, nor did I approve these charges. XXXX then sold the account to Midland Credit Management who is being uncooperative in discussing the legitimacy of the charges.
Product: Credit card or prepaid card

Have been a longstanding member of Capital One bank for years, I pay off all the cards that I have with this bank as I use it. I have an average XXXX  of 800+. It's a mileage card so I take advantage of the rewards. I realized there might be a different rewards card that I could be using and I applied for this card and was accepted online after unfreezing all my credit records, the next day I received a phone call from an agent of Capital One during my work hours leaving a message that they needed additional income information, which I am most happy to supply, before I could get home listen to the message and execute this they locked every single one of my accounts and I was declined at a supermarket register for {$10.00}, I have a {$10000.00} limit on the card I was using and several thousand on the other ones as well. I have since changed all the automatic payments I had on this credit card to a new more friendly bank, one that won't decline a {$10.00} charge ; however, they continue to charge automatic payments on my card, I understand that it is from my side and that i have cancelled and restructured the way those are deducted from a different card, maybe too late for this month, however if the cards are locked for me should they not be locked for them too Why Are They Able to Proceed with Charges to My Account Yet I Did Nothing Wrong and Am Declined, Locked Out, And Have to Wait 14 Days for A Resolution?? WHY does Capital One treat their clients like criminals first?
Product: Debt collection

Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On CopyXXXX XXXX Attorney General, and FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint of race and age discrimination. 
More than 6 years ago I led a picket outside a Victoria 's Secret here in XXXX, Texas for race discrimination regarding lack of XXXX XXXX  models ' pictures on display in the XXXX XXXX location. Our pressures eventually led to that location 's closing. Not long afterwards I began receiving from Victoria 's Secret Comenity notice of the reduction in my credit card limit. It occurred again XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I recently turned XXXX on XX/XX/XXXX, and Victoria 's Secret is fully aware because birthday discount sent. When I contacted Victoria 's Secret customer service today, XXXX XXXX, XXXX at XXXX XXXX. I spoke to XXXX and asked who determined the need to constantly reduce my credit limit and he said it was there at Victoria 's Secret. I reminded him of no problems making monthly payments so why the reductions? He said that every 90 days credit bureaus provide Victoria 's Secret information. Considering overwhelming fraud at every turn, I asked why no one at Victoria 's Secret had contacted me directly since this reduction was a regular situation? He could not answer and said he could re-send those same reduction letters to me. I feel strongly I am discriminated against due to my nationality and now age ; denied due process because Victoria 's Secret never cared to contact me to hear my position and take corrective action not to my detriment. Complaints on credit bureaus have gone unaddressed and fraudulent activity on my credit history reflected in generalities.
Product: Credit card or prepaid card

Back in 2021, I was buying flight tickets ( XXXX visit to my family in New Jersey ) with Frontier Airlines ; on the Frontier website there was advertised option to apply for Credit Card with Barclays ( with {$80.00} annual fee for benefits that included flight cancellation... ). 
I applied for the credit card with Barclays ( Frontier ) because of that benefit of flight cancelation insurance. 
Unfortunately, due to sickness, I had to cancel the flight tickets for which Frontier charged cancellations fees for 4 passengers ( my XXXX kids aged XXXX and XXXX, my pregnant wife, and myself ). 
Later on XXXX, I tried to file the claim with Barclays but I was directed XXXX to file the claim ( Claim # : XXXX ) where I provided all available information related to medical conditions, medical history, flight cancellation, itinerary, flight tickets ect. It took several months to process the claim and after those several months of asking for the determination, I was notified on XXXX that that my claim is denied because that assumed it was preexisting condition that caused the illness that resulted in flight cancellation. I have tried to ask for further explanation and review but all I get is Undeliverable email message form my claim examiner. 
I have cancelled this card as of today XXXX to avoid any further fees and I asked for the refund of those cancelled tickets but it was denied.
Product: Credit card

So my issue is a bit complicated and I couldn't find exactly the same scenario in your drop-down boxes. 

Issue is with Synchrony Bank ; beginning in XXXX ( COVID ) I was struggling with my payments due to both unemployment and medical issues resulting in XXXX XXXXXXXX and loss/reduction of income plus medical bills. I contacted Synchrony Bank regarding my Lowe 's store credit card. I negotiated a 'settlement for less than balance owed ' and scheduled my XXXX required payments. This was all verbal over the phone, I received nothing in writing, neither via USPS nor email for this settlement. I didn't think anything of the issue as I had previously negotiated similar settlements with Synchrony with no issue. I only have my hand written notes relating to the requirement payments and confirmation numbers of the scheduled payments. The first XXXX payments were drafted via ACH as requested, the XXXX payment was never processed. I had so much going on in my life, as I do currently with unemployment, medical issues that I didn't even notice that the payment was not deducted from my bank account. Again, I had never received anything in writing from Synchrony on similar settlements so I didn't think anything of this. This all occurred between XX/XX/XXXX and XX/XX/XXXX. 

My issue is now my account was charged off and sold multiple times and I have a legal suit against me for the remaining balance. The attorney doesn't have and won't work with me to try and find this information on the missing payment no why Synchrony didn't process the payment after providing me a payment confirmation number. 

Current owner of account is XXXX XXXX XXXX Attorney is ; XXXX, XXXXXXXX XXXX XXXXXXXX, & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Case ; XXXX
Product: Student loan

Navient made is difficult to schedule income-driven payment plans also did not disclose annual deadlines to renew
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a IRS tax lien placed on me XXXX/XXXX/XXXX. I paid it off and the lien was released XXXX/XXXX/XXXX. Therefore, I have no balance and the negative report should disappear. I requested the change by XXXX and XXXX. They made no changes and claimed their data was correct. XXXX XXXX removed the negative report when I requested it.
Product: Credit reporting or other personal consumer reports

Experian has violated multiple laws regarding my credit report. In accordance with the F.C.R.A. The accounts listed have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  ( ACCOUNT # XXXX ), XXXX XXXX XXXX XXXX  ( ACCOUNT # XXXX )XXXX XXXX XXXX ( ACCOUNT # XXXX )XXXX XXXX XXXX ( ACCOUNT # XXXX ), XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX ), XXXX  ( ACCOUNT # XXXX ), CXXXX XXXX XXXX ( ACCOUNT # XXXX ). 

15 U.S.C. 1681 Section 602A. States I have the right to privacy.

15 U.S.C. 1681eb credit bureaus are supposed to ensure when a consumer reporting agency prepares a consumer report it shall follow procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 crime which antedates the report by more than 7 years.

15 U.S.C. 168As-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 reporting, credit repair services, or other personal consumer reports

Sent XXXX and XXXX documents from XXXX XXXX  and court house that bankruptcy was removed from their file but they refuse to remove it. They both sent me the same letter stating that information was verified though XXXX XXXX when I sent them the documents that XXXX XXXX had taken it off my file. I have called them both several times to resolve this to no avail.