23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Ok I had someone steal my identity and have issue 's with Equifax keeping the fraud of my account. I have contacted them and they are doing nothing to fix just keep saying its facts. XXXX has done their job as this is what i pulled of my credit today as i copy. Since your last update on XXXX XXXX, XXXX, XXXX inquiries have been removed from your credit report. 
Lender Industry Inquiry Date Reported By XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous XXXX XXXX, XXXX XXXX XXXX Miscellaneous XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX So I am asking equifax to delete these fraud inquiries as well.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

A fraudulent loan company gain access to my account information by pretending they were going to loan money. When i realized it was a scam I contacted Chase bank on XX/XX/XXXX. Chase bank froze/restricted the account on XX/XX/XXXX after the fraudulent activity on XX/XX/XXXX. I receive Social Security Retirement benefits which are directly deposited on the XXXX of the month. When i went into the bank i was told that my account had been restricted for the fraudulent activity and that Social Security Direct deposit for XX/XX/XXXX had not been accepted and would be returned and that any payments that I had setup to pay from my account would also be returned. I was also told that chase no longer wanted me for a customer and they were closing my account. 
I informed them that i had contacted the bank on XX/XX/XXXX to let them know about the fraud/scam and that i had filed a police report as well with the local authorities. I then went to Social Security to change my direct deposit information on XX/XX/XXXX. On Monday XX/XX/XXXX I contacted Social Security to see if the direct deposit had came back and I was informed that it had not. I then contacted Chase bank and found that they had received the Social Security direct deposit on XX/XX/XXXX and it was on that account, however they had refused my debits that came in to be paid on XX/XX/XXXX. I went into my local Chase branch and they are refusing to release my Social Security payment for XX/XX/XXXX because of the fraud/scam activity on the account. I have no other source of income and none of my bills are being paid for XXXX.
Product: Checking or savings account

I have chime and have set my T up to receive my social security XXXX payments I have received a couple and them received a back payment lump sum XXXX and then they suspended my account this has been since around XX/XX/XXXX I keep speaking to reps who are no help as of XX/XX/XXXX they sent my direct deposit back but will not let me close or open up or even send my funds back I cant get any information on my account all the asked for was a copy of my Id and mail with my address myself and children are in a very bad way we are not able to have any funds please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, DEPTEDXXXX Account number : XXXX, DEPTEDXXXX Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account number : XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account number : XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) Account number : XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Im filing a complaint to inform you that I have been a victim of fraudulent activity. After researching how to remove fraudulent items from my report, I found that I need to visit the Federal Trade Commission at https : //www.ftc.gov to file an identity theft report. As per FCRA section 605b, Credit Reporting Agencies must remove any items listed on an identity theft report with reference number XXXX. The attached documents will assist in removing the erroneous personal information and inquiries posted to my report. The items opened without my permission are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified by the consumer as resulting from identity theft within 4 business days of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Several disputes have been mailed out to XXXX, Equifax and XXXX and they are not investigating or responding back, and I will like this investigation to be done asap. 

All of my dispute requests have been ignored. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so it is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. I want the derogatory accounts deleted. 

My file is attached for your review.
Product: Checking or savings account

I opened a truist bank account on XXXX. I made several deposits and withdrawals via transfers. Truist had ran a promotional that included the state of Indiana. One day, Truist shut down all my online banking and left a XXXX number on the login screen. Upon calling the number, they insisted I had to come into a branch in person to " verify my identity ''. There is only one branch in the state and it is over 180 miles away from my address. I contacted Truist and told them I would do whatever they wanted to verify my identity remotely, but they insisted it had to be done in person, and I was unable to make it. 

Truist shut down my account when I did not come in person. They sent a letter on XXXX stating the account would be shut down and the funds would be mailed to the address on file within 10 business days. Truist never mailed the funds. They blocked all access to my online banking and blocked my brokerage from withdrawing the funds back. There is about XXXXXXXX XXXX left in the checking account. 

I called truist several times. Depending on who I talked to they stated they would not release the funds unless I came in in person ( even though the account is closed out ), while others stated the funds would be mailed within two weeks. This has gone on for months. I did not know that there was only one branch in the state when I signed up and that it would be over 180 miles away.
Product: Checking or savings account

XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX PNC Bank Dear Sir, On XX/XX/year> we had a charge of {$98.00} by XXXX on our account, we had nothing to do with XXXX. 
My husband called to get a refund and was directed to go to a website ( XXXX ) by XXXX XXXX ( # XXXX ) when he went to the website he was instructed to put in his name and address and the name of our bank he never gave any account numbers .The screen went to a solid blue after about XXXX seconds then our account came up on his computer display and he was in control of the curser. He was told to enter the amount of refund as {$70.00}. After that the screen went blue again. He was controlling our accounts without any authorization from us. He said he overpaid our account by {$7000.00}. When he actually transferred {$7000.00} out of our savings. And put it in our checking and also made a cash advance of {$2500.00} on our credit card without our authorization. My husband didnt realize this was our money. He was instructed to get bitcoin and gift cards to repay him. My husband thought he was being honest to repay him. 
After he realized what was happening, he reported to the police and FBI. We also had our computer cleaned and discovered there was a virus ( support.client ) XXXX XXXX was replaced. PNC is not claiming any responsibility even though there was no authorization for the transfers of funds or cash advance.We are in our seventies and it will be hard to recover this amount of money. We are victims of this scammer and feel hopeless for any help. We have been with PNC for over 40 years. And reaching out for any help you can give us. I know its not a lot of money for most people but its all we had for emergencies. 
Copies being sent to : Consumer Financial Protection Bureau
Product: Credit card or prepaid card

On XX/XX/23, I was notified that my Choice Privileges Visa card with Barclays would convert to a Choice Privileges Mastercard with XXXX XXXX on XX/XX/23. On XX/XX/23, I mailed the attached cashier 's check in the amount of {$8600.00}, with the attached XXXX statement to Barclays. On XX/XX/23, the cashier 's check cleared my bank, but was not credited to my account prior to converting to XXXX XXXX on XX/XX/23. The attached May statement from XXXX XXXX for the period XX/XX/23 to XX/XX/23 does not reflect the $ XXXX made to Barclay on XX/XX/23, and includes additional interest.
Product: Checking or savings account

On the XXXX of XXXX I was informed that USAA had chosen to no longer do business with me, and would be closing my accounts. I was informed this process would take 60 days from the date of the letter. 60 days latter Im told it will be another 60 days. I contacted USAA for a hard date of when they could close my accounts. I just want my accounts closed and my money sent to me. At this point Ive lost all faith in this banking institution. I want nothing to do with them. I just want my money and I want to close my account. I dont even want insurance through them anymore.
Product: Vehicle loan or lease

On XX/XX/XXXX I traded in my Nissan Rogue to XXXX XXXX, I received a call today that I am delinquent on my payments for my Nissan Rogue. I made it clear that according to XXXX, the payoff was send on XX/XX/XXXX. After mentioning this on the phone to Nissan, the caller acknowledged that yes in fact they were in reception of the payoff check but that they sent it back. The Nissan Rogue is currently up for sale through XXXX, and we are currently driving our XXXX  vehicle. Nissan then threatened that the vehicle was under my name and that I was ultimately responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experience refuses to put the correct employer. 
They are putting XXXX XXXX XXXX XXXX XXXXXXXX, XXXX instead of XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I got hurt at work in the summer of 2019. I tore the XXXX and XXXX in my XXXX XXXX. My medical bills were covered by occupation accident insurance which covers 100 percent of my medical expenses and pays me for my time i am not able to work. I went to XXXX XXXX in XXXX XXXX Michigan. Its part of XXXX hospital and i went to physical through XXXX hospital. All my dealing were with XXXX health i got a call from a debt collector earlier this year claiming i owed XXXX XXXX money. I have never heard of XXXX XXXX. I have never dealt with them. Turns out after some research XXXX buys some medical equipment from them. They bought my XXXX XXXX and of course charged me for it and they got paid by my insurance. But they put it in my name on the bill to and I had no clue then they didn't pay the bill. I have not signed or authorized anything. Now this debt collector is trying to get my to pay the bill.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I had a collection put on my account for XXXX dollars I didn't have a single doctor bill of that amount. In XXXX what they did was combine a bunch of small bills and made it XXXX bill so they can report it on my account. This is an unfair practice and i want it removed. Thanks
Product: Credit card

Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validating violates the FCDPA. ( FAIR Debt Collection Practices Act ).

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested, also XXXX and TransUnion did not provide the original contract as I requested!
Product: Bank account or service

We are both in our late XXXX 's, retired, and living on a fixed income. We went to local branch of Citizens Bank in XXXX, OH to open a 14-month CD with a 1.25 % interest rate. We already have a savings account with this bank with approximately {$11000.00} + in it. We were opening XXXX CD 's. XXXX in the amount of {$5000.00} and the other in the amount of {$4000.00}. 
Documentation provided by bank states as follows : " Offer available to new and existing customers with a Citizens Bank XXXX XXXX Banking Relationship '' No definition of XXXX XXXX Banking Relationship on document or on display in bank branch. ( A XXXX XXXX customer has to have a total of {$20000.00} in checking, savings and/or other types of accounts with the bank. ) We were told we had to have a checking account with Citizens Bank to qualify for the XXXX XXXX, regardless of the amount in our savings and CD 's. We were also told that we had to deposit {$250.00} to open the checking account but that we could withdraw all but {$25.00} in a day or XXXX. We already have a checking account with another bank that charges us nothing for the account or for checks or statements. 
When asked about a monthly statement, we were told that we could have a free XXXX each month online but that we would be charged {$2.00} each month for a paper statement. ( That is {$24.00} a year in an unnecessary fee since the work is done automatically on and by a computer, not an employee. ) We told them that we do not for any reason do any online banking or bill paying. They said we could not have a quarterly statement. We also could not come into the branch and have them print us out a statement when we wanted XXXX, say just once or twice a year. We were told that we either have to get a monthly statement online for free or we have to allow them to deduct {$2.00} monthly from our checking account for a paper statement. 
Here are our complaints about this bank and its services, and fees:1. A savings account is just as much of a banking relationship as is a checking account and therefore only XXXX or the other should fit their XXXX XXXX Banking Relationship not a requirement of a checking account. 
XXXX. Banks should not try to force people to do banking online when daily individuals ' accounts are being stolen or hacked into. Until an unhackable security system on paying of bills and doing banking is developed, we are not going to do so. As we choose not to do online banking, we are being penalized {$2.00} monthly for a statement that costs the bank mere pennies per statement to provide. This should not be allowed. Actual human employees are not typing up, inserting in envelopes, sealing the envelopes, stamping them or in any way handling them. This is all done by computers that have been programmed to perform this routine function on a certain day each month. Statements are printed, folded, placed in envelopes, stamped and mailed all with little, if any, human contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/2018 I disputed an inaccurate account with XXXX, Experian, XXXX. The inaccurate account was XXXX XXXX/ XXXX/XXXX account # XXXX.All three credit bureaus stated that the account is verified, The inaccurate account is charged off and I've asked several times sent in letters to all the credit bureau for the method of verification because the account is charged off and the account was sold to a outside agency. And I have yet to get this information about the lender that bought the account.. XXXX and Experian and XXXX has failed to send me the method of verification on this account, How are yall verifying the account when it is charged off and was sold to a outside lender,, but all the failed to send me the Method Of Verification. my rights have been violated ... .and they need to remove this account from my credit file ... they failed to send me proof the account and failed to send me the method of verification,
Product: Credit card

I sent a letter to Macys ( Citibank ) requesting they provide me with evidence, bearing my signature, that i ever had a contractual obligation with them. they did not follow the FCRA 623 ( a ) and FDCPA 807, in which they should have placed a dispute on my credit reports within 30 days and supply me with documents bearing my signature. I have made several attempts requesting this information. They also disputed any other accounts i have with them and placed " updated '' information on my credit reports about accounts i was not requesting information about.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit profile and noticed inquiries that I have not given written instructions to 3rd parties to report to my file. According to The FCRA this is in violation of 15 USC 1681b-PERMISSIBLE PURPOSE. Please understand that no consent is identity theft. I AM DEMANDING THESE ACCOUNTS BE REMOVED IN 2 BUSINESS DAYS. 

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

I am writing to dispute the presence of a fraudulent accounts on my credit report, as provided by your bureau. Upon a recent review of my credit report, I discovered an unauthorized accounts that is a result of identity theft. I have already contacted the bank associated with these accounts XXXX months ago, and they assured me that they would remove it from their records. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 
It has come to my attention that other credit bureaus have already deleted these fraudulent accounts from their records, raising concerns about the accuracy and timeliness of your bureau 's reporting. Despite my efforts to rectify this issue, the accounts continues to be reported on my credit report by your bureau. 

To support my claim, I have filed a complaint with the Federal Trade Commission ( FTC ) and have provided documentation to the bank regarding the fraudulent nature of these accounts. I kindly request that you investigate this matter promptly and remove the fraudulent accounts from my credit report. 

I expect a written confirmation of the completion of your investigation and the removal of the fraudulent accounts from my credit report. Additionally, I request an updated credit report reflecting the corrections made.
Product: Credit reporting or other personal consumer reports

Capital one send me an emil saying that some people have an access to my acount an i need to change my passward or emil.