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

This is my endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS, it is required by law to remove any accounts or information found to be opened due to identity theft. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been trying to remove the security freeze on my Equifax account for several years. I have been on several phone calls and have mailed several letters and related requests but have not been able to resolve the problem. 

Equifax customer service says the reason they can not access my file is because I do not have a credit history and no credit account. But I have an account with Equifax -- it is frozen and I can not unfreeze it to apply for a credit card. I do not have a similar problem with XXXX or XXXX. Unfortunately, our bank -- XXXX XXXX -- only uses Equifax so I need to resolve the problem I have with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuses to change my bk status to discharged. They tell me the information they have is correct.
Product: Credit reporting or other personal consumer reports

I disputed accounts with Equifax and they did not remove my inquiries ( hard/soft ), US Bankruptcy , XXXX and XXXXXXXX XXXX XXXX. Ive sent copies of Identity Theft report and police report. 

" According to FCRA Section 605B it is illegal to report anything on my credit report without my permission. 
Please remove this negative item. Thank you ''
Product: Credit reporting or other personal consumer reports

There is one potential negative credit card on my account that does not belong to me. I have never had a credit card with the company. It says payments were made until I stopped paying then account closed. I do not know anymore details than that other than it does not belong to me. It says my address is in XXXX  and I have never been to XXXX. I have not been late on a single credit card payment and I have never been in or even near XXXX  ever. I have never heard of the company either. Please remove this because it is NOT mine.
Product: Credit reporting or other personal consumer reports

these fraudulent inquiries on my credit report are not authorized by me and need to be removed ASAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/2020, applied for a credit line increase. I received a notification that it will take some time because I have a fraud alert on all of my credit files. Anytime that my credit is ran the company is supposed to call me and confirm that it is me that has made the request. Today XX/XX/2020 I received a letter stating that they were not able to contact me with the information provided on my credit file. My cell number is the number that they was supposed to call and they DID NOT. My cell number is stated on all credit bureaus. Comenity bank is not honest the request and requirements of the consumers reports.
Product: Credit card

Synchrony Bank decrease my limit from XXXX to XXXX dollars. The limit was set XXXX dollars away from what I owed. Now the bank syays it was becasue of my credit report. Though in my checking my credit score has been lowere than what my score is now. And the Synchrony Bank had no issues. I have never been late on a payment. I have paid off this account a couple times. Synchrony Bank decrease my limit to the point it will hurt my credit because it will appear this account is almost maxed out. Dinging my credit once again!
Product: Checking or savings account

This bank is charging overdraft fees even if there are funds in the account. This has been multiple times each month. Even though I call to complain nothing is done to help or give the accidental overdraft fees back as a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery collection placed someone elses debt on my credit report and they stated it was from 2008. I have no idea who these people are and was never a client of theirs. I never had XXXX  or whatever it is reporting. 

XXXX XXXX ignored a dispute claim I filed on the card they are reporting and never investigated. It was multiple charges on the card thats were fraud.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint myself and there is no third party involved. I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file : XXXX XXXX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX I've contacted them for the last year or so telling them I didnt open the credit card and it was linked to an address that was included in a police report from someone who stole from me years ago, even then I offered to pay off balance to get it removed from my report, and when I offered they told me they would not remove even after they incorrectly reported info, ation to my credit report that resulted in me getting denials for a car I wanted because they had the credit card down as a repossession on a car loan also XXXX XXXX as well someone marked a late payment on my account without any proof payment was late I have never payed late on the account im requesting removal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX keeps reposting to my credit reported after successful disputes
Product: Debt collection

I had a judgement against me from XXXX XXXX XXXX, on behalf of XXXX XXXX, who purchased an old debt and took me to court for it. I filed for chapter XXXX bankruptcy and was granted a discharge in XXXX, XXXX. I put my house up for sale in XXXX and found a buyer. during the title search, it was discovered that the judgement remained in place for XXXX and needed to be cleared. I contacted XXXX XXXX XXXX and was told they no longer had the debt and gave me a number to call. I found out that Resurgent Capital Services now serviced this debt and I contacted them to make a payoff arrangement to clear the lien. I spoke to XXXX, who said they would accept a payoff amount of XXXX i agreed and asked that they fax the payoff letter and wiring instructions to XXXX XXXX XXXX Who was the attorney handling the closing. They said it would be 24-48 hours for the letter to be faxed. two days later, I had to call again because he had not received it. I spoke to XXXX XXXX and she said they were behind but would send it asap. XXXX XXXX received it shortly after, but it was n't sufficient, so he faxed them back a request for proof of assignment and wiring instructions. see attached. I called again and spoke to XXXX XXXX and was advised his fax was received and was being reviewed by a manager. I asked her to contact XXXX XXXX as soon as the information was reviewed. He received nothing. I gave permission for him to be given any information so that he could call, but he was not able to get through to anyone. because of the delay, the closing went through but a large portion of my proceeds were held in escrow until this can be settled. I called again last week and spoke to XXXX XXXX yet again, was told that they would not be able to provide the requested proof in writing and when I argued the point, the call was disconnected. I have still received no response from them, either from the bankruptcy department, the compliance officer or customer service, whom I have sent emails to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries I do not have no knowledge of I want removed
Product: Payday loan, title loan, or personal loan

I originally borrowed money from Greentrust Cash because I was in a pinch - I believe the original amount was {$500.00} - I was aware that it was higher than average interest rate but was led to believe that at least some of the money was going towards the principal - I was also unaware that this type of loan is not legal in Pennsylvania and that the state is suing companies that hide behind the tribal law. I continued to have financial difficulty and in XXXX I still owed {$570.00} - I asked for help with arbitrating a settlement after receiving threatening emails and calls - I received on on XXXX stating they would use all my info to contact me and proceeded to call my place of work and state who they were - they also stated then that my amount was now {$800.00} - I continued to try and have this account negotiated and 9 months later they still have not -
Product: Credit reporting or other personal consumer reports

Experian Report # XXXX I had placed a credit freeze on my credit reports. Because I don't know what the password is for my Experian account or the email I used I contacted the company by mail twice - XX/XX/year> and XX/XX/year>. I provided copies of my Driver 's License and two recent bills to verify my identity. 

I finally received a response with a form letter to call a number for assistance - XXXX. The number does not permit me to speak with a live person. Instead, I'm given instructions to access my account. The last set of instructions the company gave on its website was to contact it in writing. 

In order to access my account and reset the password I need to give a phone number. The phone number on file with Experian has changed. Hence, without a phone number, email, or password I have no way of unfreezing my credit report, if I were in need of it. 

When I initially froze my credit score as a precaution to protect against scams and identity theft - I was given a code/number to use in case I forgot my password ( or email ). I have this number. But at no time am I asked online for it when I've tried multiple times to access my account online.

As a Consumer- why do I even have to be listed with these people?
Product: Checking or savings account

On XXXX, after using my debit card at the ATM at a local XXXX store, my card was lost or stolen. I received notification on my phone from my bank there was a transaction made using my bank card ending in XXXX for the amount of {$360.00} on XXXX. I looked for my card, unable to locate the card so I report to my bank Chime XXXX XXXX XXXX XXXX because charge was pending they suggested I reach out to the merchant for refund. I contacted XXXX from a XXXX search which said if an unauthorized transaction was made within 30 minutes contact this number. I reached out to the number, provided transaction time, date, amount was assured they would be escalating the issue to a higher up team then I should be refunded within 3 business days. I received an email that they were unable to locate the transaction. After contacting them several times still no record of the transaction. I contacted my bank they initiated a dispute which has been closed with no errors found. They reopened the case after I sent the emails XXXX sent me to inform about not being able to locate the transactions. They closed the dispute case again with errors found.. I've reached back out to XXXX and still no help and now I'm without {$360.00}. I do not know what to do at this point. The bank is not helping and neither is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Experian 's report number  XXXX , the  XXXX  account should be removed as of  XXXX    XXXX   ( I have had difficulty getting them to remove accounts promptly in the past ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have been disputing inaccurate account information on my Student Loans with TransUnion for about five months now, since XX/XX/2019. They continue to updated inaccurate information. I have enclosed clear inaccuracies below. Please help me.
Product: Credit card or prepaid card

I applied for a store credit card. My credit was preciously frozen. I informed customer service I would unfreeze my credit and be back. I received a text via phone asking that I unfreeze my XXXX  to process the application. I was given a reference number via text ( XXXX ). I went to Best Buy and the associate was given a valid California ID., and I verified my information. On yearly income, i put XXXX... I can prove my income as XXXX XXXXXXXX XXXX XXXX XXXX XXXX.. The associate called a third party and I was placed on the phone with an employee from citicards which grants or denies credit. I was asked for a valid phone number so he could send a text to my phone.. He then went on to state that he couldnt text to my phone going on that it had to be a US number ... My number is area code XXXX which is XXXX XXXX I had received a text from that company so I knew he was lying to refuse me credit..My credit score is XXXX which is excellent!. I asked what was the problem..He stated that my social security might be stolen and I might be using a fake name... I asked for a manager and she just went along with the employee stating that they could not text my phone some type of code which is a lie because I received a reference number on my phone... It seems that they can not believe a XXXX man can have great credit and make XXXX XXXX a year! ..I was accused of stealing someone elses ID and social security number by the associate. I dont understand why the first Best Buy Associate would call a third party just because I am XXXX!. This is directly insulting and discriminatory! ..I showed the employee my ID!. I have an account with BEST BUY. I am highly upset about this situation!. I tried another way to verify my info. I offered to email them a copy of my ID. They lied and stated that they can not receive emails!. But when I got home, I got an email from them!. There was no reason to deny me credit and accuse me of stealing someones ID and or social security!.
Product: Mortgage

I bought a property on XX/XX/XXXX with Home Financing Center, XXXX as the lender, the title company recommended by them for the closing was XXXX XXXX XXXX, XXXX. The Warranty Deed prepared by XXXX XXXX was recorded with and error on my post office address which has the zip code incorrect and is missing the apartment number. I noticed the error on XX/XX/XXXX and brought that to their attention requesting to send a correction to the county. I was informed that an error on the mailing address will not affect the title and the Warranty Deed will not be re-recorded. However, since I did not receive the XXXX Property Taxes bill in the mail and went into the county website on XX/XX/XXXX and I found out that the Property Taxes from XXXX are still due, a Delinquent Tax Certificate was issued on XX/XX/XXXX but I never received the notice because my mailing address is incorrect. I immediately called the company for an explanation about this and they told me the case will be investigated and will submit the payment as I am not responsible for those previous property taxes. As per today, the amount of {$900.00} for XXXX Property Taxes are still delinquent and I have not received an explanation either an apology from the title company. I have been calling and spoke with several people and they keep saying that the bill eventually will get paid and I should not be concerned about that. In addition, regarding the mailing address they told me that I have to go or call to the county and fix it myself. I feel this issue is being handled carelessly without any urgency or consideration from XXXX XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I do have problem with Paypal. 
They locked my paypal account holding {$60.00} XXXX + on XXXX. 

XXXX Mail from XX/XX/2021 : We're initiating closure of your PayPal account After a thorough review of your account, we're initiating the closure of your PayPal account in order to protect us from potential financial losses. You'll no longer be able to use PayPal account. 
What happens to your account balance? 
If you have funds in your PayPal balance, we'll hold it for up to 180 days. We'll do a periodic review of your account for funds release. A gradual approach to account closure allows us to part ways, while considering any liabilities that may arise. 

___________________________________ I have call them multiple times on XXXX, as soon as my account got locked. 
They said I broke some user agreements ( I have been on paypal for 10 years and been doing my very own business since 1 year ). When I asked which one, I never got an answer ( by phone or by email ). Then I called them back again multiple times on XXXX. Each time, the person from the client services of Paypal assure me that I will get my money back in 180 days. And so, I waited 180 days gently. No news from paypal since then. Then, 1 week before the 180 days lockdown run out, I checked my Paypal account as saw everything was gone. I didnt received no email / mail / phone call or notification what so ever about this. They just grabbed it, without saying anything. I called them a 2 days ago, they said they had no information to provide me right now on phone, but they will get back to me by email under a few hours about the details. Been 2 days Im waiting for it and I know I will never get it What they seized, without any notification nor proof : - XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) - XXXXXXXX XXXX ( XX/XX/XXXX ) No news from paypal since then ... 
I was using paypal as way of payment for my business i run on XXXX. 

I live in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS HARASSING ME. I AM RECEIVING DAILY EMAILS AND WRITTEN CORRESPONDENCE. PLEASE STOP HARASSING ME. 

ALSO, their investigation into the same 2 accounts has not lead them to make any changes. Experian has proof that an account they are reporting was sold to a collection agency, yet they are still reporting it under the original creditor. XXXX. I HAVE SENT PROOF TO CFPB and EXPERIAN of such information. EXPERIAN continues to investigating this account and not finding the new owners of the account, I called and was told this months ago. ONCE YOU SELL SOMETHING, YOU NO LONGER OWN IT. EXPERIAN REFUSES TO REMOVE THIS particular ACCOUNT BECAUSE THE NEW OWNER the collection agency, XXXX sold my account to and who has contacted me for payment is UNABLE TO REPORT IT. LOL! 

ACCEPTANCE NOW HAS AGREED TO REMOVE MY LATE PAYMENT. MY account should have never been reported late, it never was late, this was clearly an error and Experian will not remove it. I SENT DOCUMENTS VIA THEIR ONLINE DISPUTE page, after they told me I could not dispute the account again. WHY am I unable to dispute this account when I have information that the account is being removed. THEIR INVESTIGATION RESULTS CAME DAYS AFTER ACCEPTANCE NOW HAD EMAILED ME, THAT THEY WOULD REMOVE IT. IF EXPERIAN INVESTIGATED IT, HOW COME THEY WERE NOT AWARE IT WAS BEING REMOVED? 

I also can't call EXPERIAN, they have my SS # flagged, but they harass me, daily, in wriiten hard copy via USPS and electronic form. STOP SENDING ME THIS XXXX!
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, XXXX XXXX XXXX XXXX reported XXXX XXXX account as " 30 days '' late. This resulted in XXXX XXXX credit score ( XXXX ) dropping " XXXX '' credit score drop across all XXXX credit bureaus : Experian, XXXX XXXX and XXXX XXXX 

On XX/XX/year>, XXXX XXXX XXXX XXXX reported XXXX XXXX account via Consumer Financial Protection Bureau website as THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS. 

Your agency been provided proof XXXX XXXX credit scores initially dropped XXXX points In XX/XX/year> across all XXXX credit bureaus : Experian, XXXX XXXX and XXXX XXXX to incorrect credit reporting, by Select XXXX XXXX XXXX XXXX have been provided proof XXXX XXXX XXXX XXXX has XXXX & updated XXXX XXXX account with the correct information stating, THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS. If your agency has reported no late payments listed for XX/XX/year>, from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX should be immediately restored & increased by XXXX points by your agency. 

Reducing XXXX XXXX XXXX XXXX ( XXXX ) by XXXX points based on incorrect information is illegal & a violation of his rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. Any refusal to restore XXXX XXXX XXXX scores by the XXXX points your agency initially took from him in XXXX of 2024 ( based on incorrect information ) is illegal & a violation of his rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. 

On XX/XX/year>, XXXX XXXX XXXX XXXX provided your agency proof via Consumer Financial Protection Bureau website they corrected XXXX XXXX account stating, THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS. Thus, correcting their mistake in XX/XX/year>. 

Therefore, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., XXXX XXXX XXXX XXXX ( XXXX ) should be immediately restored/increased XXXX points by all XXXX credit bureaus : Experian, XXXX, and XXXX. The corrective actions by your agency should result in XXXX XXXX XXXX XXXX ( XXXX ) increasing by XXXX points and ranging from ( XXXX ) points respectively.
Product: Credit reporting or other personal consumer reports

I believe my information may have been part of a data breach I have inquiries on my credit file that I dont recognize and would like them immediately removed