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

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and delete : Bankruptcy XXXX XXXX Discharged XXXX
Product: Checking or savings account

Chase Bank has frozen my personal checking account since XX/XX/XXXX.This is all in regards to 2 XXXX ( XXXX ) from the same person for a total of {$1900.00}. At the time I had almost {$9000.00} in my account. These XXXX were in result doing a transaction with another person from a legal website called XXXX XXXXXXXX. I am the seller and I was doing business with a man who was to receive {$1900.00} of bitcoins and in return I would receive his payment. One day after the payment was received and after he had his Bitcoin he called XXXX and claimed it was not him that did the transaction but somebody else. When I did the transaction with him I verified him by having him send me by a selfie of himself, plus him holding his drivers license and holding his debit card with his full name on both and he also wrote a note saying he was buying the {$1900.00} of bitcoin and he signed and dated it. I sent Chase absolutely everything to verify these were valid XXXX. Well time went on and I kept calling Chase to get updates and closure and all they did was to keep telling me it was still being researched and the resolution day was XX/XX/XXXX. Well, on XX/XX/XXXX, I called figuring it would finally be resolved, but no, I was still being given the same story that this case was still in research. At that time, I threatened legal help and that is when they put me over to their so called Executive office who assigned me a case # XXXX. About 4 days later I received a phone call from a woman telling me that my account would stay frozen and that they were now investigating 6 more claims. When I asked for more information she would tell me nothing and only that my case was closed and my account would stay frozen. I have NEVER received one piece of mail from Chase about the investigation and NEVER could talk to anyone to try to explain to me the process, etc. I feel like I was never given my due process. And the sad thing Is that I was the one who was defrauded. The only mail that I did receive from Chase were 2 pieces saying that I withdrawal {$1900.00} at an ATM machine and then about 10 days later another letter saying I wrote a check for {$1900.00} that was not good. These descriptions made no sense to me. I am going to attach all the documents that I have sent to Chase and let me remind you, I have never received any type of communication from them ever. I have been a Chase customer for years, had an Auto loan through them and never a lick of problems.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I've sent a copy of my Identity Theft Report to XXXX, XXXX & XXXX  along with a letter detailing how i am a victim of identity theft. Also included with that letter was each account that was fraudulently placed on my report under my name and social security number. Amongst the fraudulent accounts is US DEPT ED and DEPT ED NELNET. These accounts do not belong to me. They still are reporting this to my credit report.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Product: Credit reporting or other personal consumer reports

This company keeps reporting me to every credit bureaus on and closed acct. that as been charged off but yet and still Im still being report late every month with late charges of a closed acct was sucured saving acct that I open with my own money which XXXX turned into a credit card immediately started charging intrastate charges and late charges on my acct. As of today this acct as been closed for over a year and XXXX is still charging lates charges and reporting it to credit bureaus as if this acct is still active and it CLOSED. I called XXXX on many occasions about this issue and to this point this is harming my credit of them keep reporting a closed acct as if it is still active and its not!
Product: Credit reporting, credit repair services, or other personal consumer reports

I consolidated all of my student loans with the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX services my new loan. They are still reporting a previous default loan that is over XXXX XXXX XXXX. The credit bureau can not remove it, and XXXX sent me a letter accusing me of fraud when I disputed the age of the negative mark on my report. The information is a duplicate as of now, because I have a new loan not in default because of consolidation and the information they are reporting on my previous default is from 11 years ago and per the statute of limitations on student loan reporting once the loan is sold the delinquent information can only remain on my report for XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND I FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO PLEASE DO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES LISTED DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account name XXXX XXXX XXXX, account number 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 states. A consumer reporting agency can not furnish a account without my written Instructions.
Product: Checking or savings account

I was scammed by someone who portrayed to be hiring me as an employee and I deposited the bank as they instructed me to. The bank cleared the check the day after I deposited it for {$4800.00}. The third day, they reversed the funds and took the {$1600.00} I had saved in my business bank account. I then realized I had been scammed so I called the fraud department to report it. I was on the phone from XXXX to past XXXX with several reps with Bank of America and kept getting transferred over and over including the XXXX department because the person had me wire {$1500.00} to someone. One of the reps told me they coud recover those funds being that I transferred it to someone named XXXX XXXX and was told her bank was named XXXX XXXX and that they were going to recover the funds and have her account closed. I was then made to wire {$2700.00} worth of money order from the post office, which I payed for with my business debit card. Then the bank tells me they have no record of all my conversations ( which I wrote down the rep names I spoke to that day ). I was then told I would have to initiate a new scam report, only to be muted by the rep I was talking to. I asked the rep if I could talk to a supervisor and she told me that even if she let me talk to a supervisor that I would get told the same thing she told me, which was a threat of being treated as though I was the criminal. She told me that I had 120 days to pay off the full balance of the check, and that I was facing the possibility of having my account closed and they would possibly take the money out of my other accounts to recover some of the negative balance and that they would also red flag me to other banks so that I would not be able to open an account with anyone else. I could not believe how rudely and unfairly I was treated by them after having three accounts with them and having banked with them for many years. I was just another number, and kept getting told there was no one above I could talk to. I am being forced to pay this balance, and they took my hard earned money out of my account for something they clearly told me they saw that I was a victim of a scam. The bankers at my local bank know me and they know I am a decent, law abiding citizen and they did not know what to do to help me. They all told me that this happens all of the time, but that unfortunately I still had to pay them back. I told them I am unemployed and in this pandemic, I have no unemployment benefits of any kind and was not able to repay them, and they did not care about any of my concerns. With this being such an on-going situation, why would the bank clear such a large amount on a check the next day, instead of assuring the check cleared fully before releasing the funds to the customer to protect them from these scammers. So these scammers got away with what they did to me and no one is doing anything to help me, and the bank is threatening me if I don't pay them back this money. I am in such great distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account below is not mines. i have disputed this more than 4 times over the past XXXX years. I have also file complaints with the State of Florida AG. 

COLLECTIONS XXXX XXXX XXXX Opened XX/XX/XXXX {$4000.00} Original creditor : XXXX XXXX XXXX XXXX These inquiries I didnt not authoirze. I can provide proof. I only asked dealer to go through one bank and they sent application to 8 banks. 

Inquiry details XXXX XXXX I Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Finance XXXX XXXX I Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX from XX/XX/XXXX Finance XXXX  XXXX Inquiry from XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i already contacted the company in XX/XX/XXXX, on the XX/XX/XXXX that's my second time i'm trying to contact the company.
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 corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX XXXX Balance : {$200.00} XXXXXXXX XXXX XXXX Balance : {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2021 ) sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

Hello, I filed a complaint on XX/XX/2021 and I got the response asking me to follow instructions to refund me. I followed the instructions, but I did not get the refund yet. It is more than 3 months now. Please refer to the previous complaint for more details. Complaint ID : XXXX. I also attached a PDF file with the previous complaint. 

Thank you,
Product: Mortgage

The lender and escrow company had misleading and deceptive business practices. I have been I have been struggling to pay my mortgage since XX/XX/2018, Guild sold my loan to XXXX because they knew they put me into a bad loan. I was discriminated against because of gender and color I paid too many high fees that I feel I would not have been charged if I was not a woman of color.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX From cashapp to me The statement shows the {$150.00} purchase at XXXX was accidentally returned to your Cash App balance on XX/XX/XXXX at XXXX XXXX  CST. Cash App realized there was an error and deducted the funds from your Cash App balance on XX/XX/XXXX at XXXX XXXX  CST. 
This is what they were telling me, the csv they did send me did not match what my actual cash app said.
Product: Debt collection

When due date is past one day I get repeated calls more that 6 in a day and some times more than 6 in an hour
Product: Bank account or service

I am executor of my husband 's estate. He had a business at PNC Bank. I 'm in the middle of securing all tax information, submitting legal papers, and awaiting IRS response on taxes owed and taxes paid. I had no connection to the business, but I was able to secure all legal documents and piece together financial requirements via much research. I thought that I 'd closed his XXXX XXXX XXXX account at PNC Bank in the fall of XXXX. My husband passed XXXX XXXX, XXXX. I submitted all of the paperwork that PNC requested, executor proof, death certificates, account numbers, and every other document requested, several times. I had to request bank statements, which I was charged several hundred dollars to retrieve, since the account was CLOSED. In XXXX XXXX, I received notice from XXXX County, where the business was certified, that they were placing a lien on his business account because he owed local taxes. I was in the middle of submitting IRS papers. I called XXXX County and they said that they had never received a copy of my husband 's death certificate. They had. I sent it myself. Nevertheless, they told me that if I sent them another copy, they would release the lien. I drove the copies to their office that day! They told me that they would call PNC Bank and release the lien. They faxed PNC Bank, which I have a copy, and told them to release the lien. I called PNC Bank and they promised it would be taken care of once they received the fax. The fax says that they received it that day. One week later, they paid XXXX County the amount of the lien. I have copies of the check etc. The account was finally closed XXXX XXXX, XXXX. After many phone calls and PNC bank self investigating their own error, they tell me that they received the lien release prior to actually placing the lien so therefore, my case is closed. I have spent many long hours researching, driving documents, calling officials at PNC Bank and they still have not resolved my issue to my satisfaction. I 'm a teacher. I make a very average wage. I spent the better part of the last several months trying to have them resolve the issue. I sent a letter to the president of PNC bank. Within 24 hours, I received a phone call saying that they assigned an executive to investigate my case and that I should call him and make the connection. That was a month ago and he does n't return my calls. I have yet to speak to my " case executive. '' I have attached a copy of all of the case details, dates, etc. I 'm so frustrated. I 'm trying to follow the estate laws of VA, but PNC Bank has usurped the process. I would like to have the money refunded to my husband 's estate account and XXXX wait in line for their payment. By VA judicial rules, the tax process is federal, state, and local taxes paid in that order. At this point in time, local taxes have been paid before federal taxes. I feel that the banks self investigating of their mistakes has left me exhausted. The emotional anguish involved has been astronomical. I 'm angry that banks think they can squash the little guy and they have squashed a widow in a time where they should have been helping. Thank you, XXXX XXXX
Product: Debt collection

Requested the following information from collection agency three times : Name of doctor this debt is owed to. 
Dates of services provided. 
Procedures that were performed. 
How you determined that is my debt. 
Collection agency deleted the tradeline from my equifax credit report. Has not provided the requested information, and continues to report on my experian credit report.
Product: Debt collection

I have no knowledge of this alleged debt reported to XXXX No one has ever contacted me about it. This is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX XXXX with XXXX  dollar balance dated in XX/XX/2011 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf. It also appears on Equifax with the date of XX/XX/2011.
Product: Credit reporting 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 XXXX XXXX XXXX. 

Account Names XXXXXXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Experian XXXX 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 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 seven 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. These inaccuracies are preventing me from buying a new car for my work. I am not able to get a new home for my family. I can not get business credit to grow my business so I can provide for my family.
Product: Credit reporting or other personal consumer reports

Experian is refusing to first reveal what is on report, and then fix it. They are refusing access to online account which is against FCRA. They claim I need to have more activity before they can see anything or give me online access. Yet there is a report that can be sent by other agencies showing activity with no restrictions. Experian either is lying or is not trained properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submit multiple documents as they requested to have public records removed. The documents was issued to me via the court house. I asked for them to removed the records or block them. they refuse to saying that they couldn't because the dispute came back accurate. so I can them to provide proof that it was accurate they refuse. I also asked them what was the third party source that they use since they use to use XXXX XXXX but the refuse to give me the name.