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

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I applied for a car loan with XXXX XXXX XXXX I specifically signed document not to share or make inquiries into my credit from any other financial institutions aside from XXXX credit! They made inquiries for over 30 days attempting to finance my purchase with over 12-14 companies which I never gave written authorization or consent to do so I contacted the finance department at XXXX & they agreed to get those inquiries removed which they never happened. I was also told it would not affect my credit score because it would only count as on inquiry but it took more than 48 points from my credit score.I contacted all of the credit bureaus for assistance with no response or results.
Product: Money transfer, virtual currency, or money service

Good Morning, Good Afternoon, Good Evening On XX/XX/XXXX, my mother send me money threw paypal so I can pay the rent. Note : I am already late on rent and if it gets passed the XXXX I could face the landlord kicking My XXXX XXXX XXXXXXXX son and me out. However I have the money in my account and everything should be good. Nope, paypal is holding my money without any strikes on my account. 
I called them on the XXXX of XXXX to explain to them my problem and the operator said to me, because you attempted to transfer this money a lot of times your account has been locked and you are unable to send money to any account. Mind you the money they are holding is {$1200.00}. They told me {$640.00} is available for me to use however as you know that was a lie. They told me to wait 24/48 hours to attempt again. Which I have the patience to do. So I waited 24 hours to call back. I called them back after 24 hours and they told me the same things 24 hours ago. My account is locked and to wait another 24 hours. So I waited another 24 hours and today is the XXXX of XXXX. I called before making any transaction so I don't risk my account being locked again for another 48 hours. 
The first time I called she told me you should be able to send money now since it has been the time frame, and told her mama I am unable to send money to my account at all. At this moment it is giving me an error code on the screen to try again later. She then processes to tell me " I have to wait another 48 hours for my account to unlocked ''. I just flipped at that point, because I already waited 48 hours the one time and now you are tell me to wait another 48 hours for something that I need ASAP. I process to tell her to get a manger. Mind you my account does not have any history of charge back, fraud, or anything of that nature with money. 
The manger gets on the phone after 30 minutes, and tells me you are able to send money now. Now when a manger tells you something you would think it is true and I got off the phone thanking him for helping me out. I get on my paypal account to attempt to send {$640.00} to my bank account, however I get that same error code. At this moment I am upset and I called them back. 
I get a manger on the phone for the second time and he told me this in his exact words. '' PayPal does not feel comfortable sending your money out '' I asked him why do they not feel comfortable sending my money out and my account is in good standing and he could not answer the question. All he told me to do is wait 24 hours to try again.
Product: Debt collection

I have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. I've completed the proper steps, 1. notify creditors 2. police report 3XXXX informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
Product: Mortgage

I am writing to file a formal complaint regarding the actions of Pentagon Federal Credit Union ( PenFed ) in handling my recent loan application. I believe that PenFed 's decisions were unjustified, leading to the unfair denial of my loan, and I am seeking your assistance in investigating this matter. 

Initially, I submitted a loan application with PenFed, which progressed through the initial stages. During the process, PenFed acknowledged that they had made an error on their end. Despite this acknowledgment, they chose to cancel my original application rather than moving forward and approving it. Instead, they requested that I submit a new application, which I did. 

This new application was resubmitted to the underwriting department, where it was ultimately denied due to my debt-to-income ratio. I want to emphasize that this issue with the debt-to-income ratio was never raised during the initial application process. Additionally, I have not incurred any new debt, and my financial situation has remained consistent since the original application. 

I have reached out to PenFed multiple times via email and phone, requesting verifiable proof and clarification regarding their decision to deny my new application. However, I have not received any adequate responses or documentation to support their decision. 

I believe that PenFeds choice to cancel the initial application, only to have the new application denied for reasons that were not initially problematic, is unfair and lacks transparency. This situation has negatively impacted my creditworthiness and caused considerable financial uncertainty. 

I respectfully request that the CFPB investigate this matter to ensure that PenFed 's actions comply with fair lending practices. Any assistance in holding PenFed accountable and addressing my concerns would be greatly appreciated. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I opened a credit card account with Rooms To Go was approved {$2000.00} for my purchase by  Synchrony financial, I did make purchase of all and paid bill on time without default or misuse of the credit card. There has been inactivity of the card for a while and as result the financial company took stand without informing me and close the account and same time run my credit to make it look like i did reapplication for credit card. My concerns are the following : 1. How can you close my account without permission or involving me 2. The account has not outstanding balance 3. There was not suspicious activity on the account 4. I call them and inquired and was told by supervisor that they have right to closed unused account. I replied on phone conversation that, its my account and you have no right to shut it down when there is an absence of non-payment, outstanding balance and anything.
5. closing a credit account has impacted negatively on my credit score judiciously 6. Do they have right to close my account in absence of above mentioned concerns 7. I want my account be opened as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

Lazega & Johanson LLC is a company I don't know. I went to my local Police Department and was told to get a Police Report where I discovered the accounts, inquires, etc at the time my credit was pulled. I did so. I have sent this company my Police Report and FTC report per law enforcement. I have never done any business with this company, I don't owe any money to this company, I have never gotten any products, etc or anything with this company nor given permission for my credit to be pulled with this company. I have two unauthorized inquires on my Credit Report from this company. The dates are XX/XX/XXXX2018 and XX/XX/XXXX2018. This is illegal. My Credit Report has been illegally pulled by this company. This is very illegal according to the FCRA and illegal in general. You must have a persons consent to do so. I did not authorize or give authorization to any company ( s ), person ( s ), or myself to pull my credit.
Product: Prepaid card

I received an AMEX gift card from my employer. 
The virtual card is declined when I tried adding it to my XXXX and when I tried paying part of my rent ; and I tried adding it to my XXXX virtual wallet but it hides the card number, and it is impossible to retrieve. 

The issue lies with every merchant is requiring a zip code to make a purchase. I received this card digitally to my work email address -- no physical address was attached. I tried multiple zip codes when attempting to use this card. My personal zip code, my company 's HQ zip code, my companies payroll department 's zip code, etc., all are saying it is invalid. 

I called AMEX customer service thinking they could add the zip code on their end ( I had previously gone to the gift card portal to add my address info there but there is no where to add it. AMEX customer service offered me no resolution. I told them I need to attach a zip code to the card and they just said if the merchant requires a zip code then use your credit or debit card. I find this deceptive and bordering on false advertising. On the gift card site there is a large message that says something along the lines of you can use this card anywhere that takes AMEX. My rent portal takes AMEX, XXXX takes my AMEX credit card, but I am not able to use this AMEX gift card.. 

They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balances to a physical card. They can not offer me a refund. 
They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. 

This system seems designed to skim a few dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 

I can not reach a resolution with AMEX customer service nor can the original purchaser. 
My money is inaccessible. All I want is the total balance on my cards in cash/check. 

Card information : CaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you in advance for your assistance on this. I look forward to hearing back on this matter. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian should not be reporting that I am ( 60-150 ) days late on the XXXX XXXXXXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX Here I attach, along with the dispute, my fraud report. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report, Despite my submission Equifax consistently responds within 24 hours stating the accounts is accurate without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, Which mandates a reasonable investigation of disputes. Furthermore Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C.5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB 's recent administrative proceedings ( File XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provide consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX has an open amount on my credit report exceeding {$20000.00} from ... ... XXXX 

This is over 8 years aging and should be off any credit report. This should not damage my credit standing after 8 years. 

Of note : I do not recognize this account. Therefore, I am requesting original documentation with my signature on an application for this credit card. I do believe that this is an exorbitant amount of debt for a working woman 's credit card. I really do not believe my income alone would allow a substantial credit line. If the owed amount is over {$20000.00} ... ..how much was the original credit card! 

This account has a date of XX/XX/2015 ... ..over 8 years ago. This should not be available nor on my credit report at this time, even, IF this were my credit card. 

I really don't have confidence in this nation 's credit reporting as there are voluminous errors in credit reporting as is. However, I do request this be removed from my credit report due to the question of validity ( I was the victim of identity theft ) and the aging of this credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

USBank is reporting my husband 's delinquent credit card account as mine even when they know the report is false. In XXXX my husband opened a credit card in his name alone. I knew nothing of this new account until XXXX when my husband was in the hospital and he asked me to pay the household bills, which he always did. When I opened the USBank billing statement from his mail, I called them to ask why his balance was twice the credit limit. I was told that my name was NOT on the account and they can not give me any information. My husband then gave me his online username and password so I can make electronic payments for him. My husband later told me that he opened the account online and was absolutely certain that he was the only account holder and he never listed me as joint/secondary. He called them in XX/XX/XXXX to ask them to stop reporting my name as joint account holder and to take it off my credit report, but they refused ; he then demanded a true and original copy of the credit application showing my name or signature electronic or otherwise, but they never provided it. I sent them a letter demanding the same with no response. I disputed the {$6900.00} account with XXXX 3 times and XXXX 2 times with the same reason state above, but the account still shows on these reports. It is absent from my attached XXXX report that I pulled on XX/XX/XXXX. They told my husband that they will only erase the entry from MY credit reports if he pays the charged off account in full.

Please note that my husband and I have a different USBank secured credit card with a limit of {$300.00} that is joint ownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX score is inaccurately low and XXXX is using racial discriminatory, redlining practices to falsely report a lower XXXX score based upon race in order to keep certain demographics in a constant low score status. XXXX score is inconsistent with actual fair and equal reporting standards. 
XXXX score must be raised at least XXXX points in order to be consistent with similar credit reports that reflect the same information.
Product: Debt collection

COLUMBIA DEBT RECOVERY IS ATTEMPTING TO COLLECT A DEBT THAT'S NOT OWED WHICH IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ), 15 U.S.C. 1681 et seq ). 

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I AM A VICTIME OF IDENTITY THEFT AND THE DOCUMENTS THEY PROVIDED ARE NOT ACCURATE. THE SPELLING OF MY NAME IS WRONG ALONG WITH THE LEASE APPLICATION THAT DISPLAYS INCORRECT INFORMATION. PER FCRA 605B ( 15 U.S.C. 1681c-2 ) please delete and block this account from all three credit reporting agencies. This is a third party company which i owe no debt.
Product: Credit card or prepaid card

I am a man/natural person and this is not a credit repair company. On XX/XX/XXXX, I was discriminated against as I exercised my right as the consumer/benificiary in a consumer credit transaction when I applied for a credit card with DISCOVER which is a violation of the Equal Credit Opportunity Act. My personal information was used on the application as well as my location information to submit application. From my understanding, banks do not lend money or extend credit as we have been bankrupt since XXXX. 12 usc 83 - No national bank shall make any loan or discount on the security of the shares of its own capital stock. DISCOVER became trustee to my social security trust as this is a trust action. They deprived me of my rights to extend credit which is a violation of 18 usc 242. They have committed trust fraud, bank fraud, and securities fraud. Each holding a fine from {>= $1,000,000} to {>= $1,000,000} Pursuant to 15 USC 1, 15 USC 2, 15 USC 78ff. I received no benefit which is unauthorized use of my credit card 15 USC 1602 ( p ). In order to clarify that there has not been any false claims of securities, illegal securitizations, trades, hypothecating, interest, and proceeds fraud entry misapplied in my name, as benificiary of the account Pursuant to 15 USC 44 Im asserting my rights to acquire documentary evidence for the books of account as defined in IRS 583. Id like to access record keeping of both journal and ledger credits of the account, as well as ledger and debits of the account, in order to verify the current accounting and taxes related to this account. This will allow me to reaffirm my status as the benificiary and you in fact have been loaned the amount in question. This will also confirm aggravated identity theft as you are conspiring to profit without my knowledge or benefit when you are trustee to my trust. Failure to produce said documents will be deprivation of rights as described before and {$10000.00} and/or 5yrs in prison for any. You have committed theft by deception and embezzlement both federal crimes. 18 usc 656- theft by embezzlement by bank officer or employee shall be fined {>= $1,000,000} or imprisoned not more than 30yrs. I would like this published for the public to see how corporations defraud consumers by the millions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

DEPEDXXXX XXXX {$0.00} BANKRUPTCY CHAPTER 13-DISCHARGED XXXX {$0.00}
Product: Checking or savings account

In XXXX Ally Bank offered a 1 % bonus on all net new deposits ( XXXX XXXX XXXX ). I followed the steps and received the email indicating that I had registered for the bonus. I followed the link in the email and deposited {$25000.00} of net new funds into a 13 month CD in order to receive the 1 % bonus ( {$250.00} ). Per the terms of the bonus, I did not remove any funds until the holding period had passed. However, at the end of my CD term, I did not receive the bonus as a payment into my Ally bank account or as part of the final CD payment, which matured on XX/XX/XXXX. 

On XX/XX/XXXX I reached out to Ally via their secure messaging system on the website for information. I received a same-day response indicating that the email address I provided did not match what was on my profile. I responded that same day and attached the bonus signup confirmation email, which shows that I had received the signup offer to the same email address as my user profile 's email address. I received no response for several weeks. 

I contacted Ally Bank via their online chat service on XX/XX/XXXX to follow up to this issue. The representative made a note of the issue, but I did not receive any other resolution. 

I then contacted Ally Bank again via their online chat service on XX/XX/XXXX. This representative was able to research further. She noted that there were two different email addresses stored in the system ( my college email address and my personal email address ). However, on my user profile I can only see and update my personal email address ; the college email address appeared only on screens that she was able to access. Apparently the bank bonus system was checking against my college email address ( which I had used earlier in my 10+ year relationship with Ally Bank / GMAC Bank XXXX but had changed ), rather than my current email address shown on my user profile. As I have no way to update that college email address in any screen that I am able to access, it makes no sense to be held to that as the only email address valid for the bank bonus, especially when I purposely registered with the same email address that is currently shown on my Ally Bank profile. At the end of this chat the representative indicated that she would notate and escalate this case. I indicated that if I did not receive a response by XX/XX/XXXX I would be filing a CFPB complaint. I did not receive any further communications. 

On XX/XX/XXXX I filed this CFPB complaint.
Product: Debt collection

In XXXX my identity was stolen and used for various unknown purchases on multiple accounts. I disputed the charges and all were deemed fraudulent and removed from my credit history, with one exception. 
JJ Marshall associates claim that I owe {$490.00} for unknown charges. They were notified of the fraud and they informed me that I should file a dispute with a credit agency to have it removed. I did as they requested and moved on with my life as usual. In XXXX I started going over my credit report with the anticipation that I may be applying for a loan at some point when I discovered that the charges were never removed from my Credit history and they were still in collections. I decided to once again dispute the charges and the people at XXXX recommended that I submit a complaint to the CFPB in order to help resolve the issue. Note that the original creditor was XXXX XXXX XXXX, a company that I have never had any history with.