23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I deposit a check, {$6800.00} on XX/XX/year>, and the bank place a withhold on the check until XX/XX/year>. Please see the expiration date on attachment. 

However, it's still unavailable today, XX/XX/year>. 

Also I just called the customer service to ask why they over-withhold my fund. The customer gave a reason that they still verify the fund. That's the lie and fail to disclose the true reason.
Product: Credit card

I made a payment towards my account of XXXX dollars on Friday the XXXX, and it came out of my account on Monday the XXXX and was posted. However the credit is still not available. Capital one claim They are placing a hold on my money to make sure it comes out of the bank. When in reality it already has and theyre just using my money interest free without me receiving credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports : XXXX of inquiry XX/XX/XXXX
Product: Credit card or prepaid card

On Saturday XX/XX/2019 I made an online payment to Synchrony Bank on their website. The minimum payment due was {$190.00}. On Monday XX/XX/2019 I discovered that Syncrony Bank charged my debit card {$2300.00}. I immediately called them to find out about the charge. They informed me that I would receive a refund minus the minimum payment in the mail in 3-4 weeks. On Tuesday XX/XX/2019 I called to follow up ensure the process was initiated. I was again told yes and in 3-4 weeks. I called Syncrony on  XX/XX/2019 to find out what date the check was mailed. After waiting for sometime on hold I was then told oh it was approved right now and will be mailed on XX/XX/2019. It should arrive in 7 days. On Monday possibly but for sure by the XXXX. This is unacceptable amount of time. I have other bills due, other banking issues due to overdrawn account. My credit union told me they will close my account if I do not return the amount of money Sychrony overdrew from my account by XX/XX/2019. 
Syncrony Bank XXXX XXXX XXXX. XXXX mysynchrony.com
Product: Credit reporting, credit repair services, or other personal consumer reports

Opportunity Financial XX/XX/2022 amount {$850.00} is unknow account on my credit report. Try to contact this company but they keep put me on hold. I can't get no phone representative to speak with me about to account..
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a disputed issue and it was removed from my credit report. 
Before the problem arise I had a perfect credit score. Once they reported the disputed issue to my credit, my credit score has been decreased by 30-40 points. 
Since the issue has been deleted from my report, I think it is fair to get back my original credit score. ( The score I had before the disputed issue ) I haven't got back my points which I used to have before the  disputed issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the fair Credit Reporting Act, everything has to be 100 % accurate on my credit report under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681 ( 5 ) these items are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated back as verified. However, how is this true when there are still several inaccuracies shown on my report?

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U. S.C 1681 ( 7 ) method of verification-Description of the re-investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions XXXX partial acct # XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX  Partial Acct # XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Partial Acct # XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Partial Acct XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Partial Acct XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX Partial Acct XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX XXXXXXXX XXXX XXXX Partial Acct # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX  Partial Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX Partial Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Partial Acct # XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXs # XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that 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, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Balance : {$680.00} ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXXXXXX Inquiry : XXXX. XXXX, 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 an 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

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.

5. Identity T
heft XXXX XXXX Account Number : XXXX This i

s not mine. 6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX has fraudulent accounts on my credit profile. 
XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile. 
XXXX XXXX has a fraudulent account on my credit profile. 
XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile. 
XXXX has fraudulent accounts on my credit profile. 
XXXX XXXX has a fraudulent account on my credit profile. 
All fraudulent accounts need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone tried to apply for some things in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA VIOLATIONS : NOT MINE REMOVE IT : XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX - XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX  XXXX  Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX ( I Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX - XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX # XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX Contact info XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email
Product: Money transfer, virtual currency, or money service

The internet criminals hacked my personal information knowing that I am in a process of grieving and I was looking for a full-time job. The criminals connected with me through XXXX, and then suggested to use XXXX and XXXX apps. I was trapped in the job scam. The criminals attacked me mentally continuously, and instructed me to wire the money from my XXXX checking account on XX/XX/2022 with amount of {$5000.00}, from my XXXX saving account on XX/XX/2022 with amount of {$95000.00} and on XX/XX/2022 with amount of {$100000.00}, to XXXX XXXX Bank, an online profile bank of Coinbase company. All transactions were completed and confirmed by Coinbase Company. However, all the money wired into Coinbase online profile bank were disappeared. 

I filed request on XX/XX/2022 with Coinbase company for recover these funds. Coinbase company emailed me the results of the investigation on XX/XX/2022 that " Coinbase has no information on ownership of external cryptocurrency addresses, and because this is an external process, there is no way to cancel, reverse, or recover these funds on your behalf. '' What Coinbase is saying, is that Coinbase has no idea where my money went, and Coinbase has no idea who the third party is and that who has wired out my money from their online profile bank. I just don't understand if an unknown third party is performing a criminal activity, wiring out somebody's money from Coinbase, why Coinbase do not block the transactions or hold the transactions if Coinbase do not recognize the third party in order to protect Coinbase clients.
Product: Credit card

I purchased XXXX clothing items from XXXX for {$130.00}. The goods I received were of poor quality, with threading, sewing, and overall cut not matching the online description. I sent pictures and a complaint to the merchant, who initially agreed to refund {$120.00} and said I could keep or dispose of the items without returning them. The customer service agent, XXXX, confirmed this, and the refund was supposed to be processed to my original credit card within XXXX days. 

When I didn't receive my refund, I inquired about its status. At that point, the merchant refused to honor the original agreement. I filed a merchant dispute with Capital One for a chargeback, which was processed on XX/XX/year>, because it became clear that the merchant was not acting in good faith. Capital One asked for documentation to substantiate my complaint. I sent the invoice, pictures, and the refund offer from the merchant, which included a note that I did not need to return the goods. The email from the merchant also indicated they were not interested in sending a return mailer for the items. However, Capital One declined my chargeback request on XX/XX/year> and asked that I settle the dispute with the merchant. 

Even though the merchant has agreed to refund {$120.00} to my account, it has failed to credit the amount, claiming it needs a withdraw letter. This company is unreliable and not acting in good faith, and my credit card company is allowing them to scam me.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My ex-wife took out several loans and CCs in my name, at no time was I aware of any loans and certainly didn't apply for any. I talked with representatives from all companies and verified my name and SS was used but it was with her email and phone numberXXXX XXXX XXXX  company performed an investigation and quickly concluded that it was absolutely fraud. Upstart refuses to perform an investigation even after providing proof and letters from the Federal Trade Commision requesting an investigation, and to have the loan removed from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I went to a car dealership to start my car search and without my permission my credit was shot around to MULTIPLE companies and i would like the hard inquiries removed. Thank you *XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was receiving bills that I did not owe. I used XXXX as my prepaid subscription before and not what it says in the debt collectors. I always use an autopay for my cellphone subscription. Whenever I got a late payment, they automatically cut the line, so how can I have a bill such as this? This company is XXXX.
Product: Credit reporting or other personal consumer reports

l recently reviewed a copy of my credit report and noticed l had fraudulent accounts on my report please remove these accounts from my report, they are hurting my ability to obtain credit.
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 15 USC 1681.

Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries 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.
Product: Mortgage

I had XXXX in XX/XX/2022, that caused me to fall behind on my mortgage however I have been trying to get current since then. I want to stay in my home. I just need assistance to get everything current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted ChexSystems many times advising them of my bankruptcy and they are still continuing to report negative information about previous accounts including balances owed on those accounts whenever I attempt to open a bank account, so I am being declined. This is of course inaccurate since I have filed bankruptcy. I have also contacted them to request a copy of my report and they refuse to send it to me. This is harming me.
Product: Credit reporting or other personal consumer reports

I have disputed this negative account on my credit reports due to identity theft multiple times. The company is stating that this account belongs to me and verifying that its mine from a checking account payment that does not belong to me as well. My personal information was used by someone other than me for financial gain in any and every way possible. I have been working to repair the extreme damage they have caused me.
Product: Credit card or prepaid card

TD Card Services has a reward program. To manage the program you have to sign up for their website. 

When you are going through the sign up procedure a terms and conditions pops up that you have to agree to. This terms and conditions is for electronic statements. It has nothing to do with access to the site. 

I missed two payments because of this. TD Bank reversed the late fees but wont change their login procedure. TD Bank wont reverse the late they sent to the credit bureau 's even though the first rep I spoke to was well aware of this problem. 

E-statements are useless to the average customer unless they are accompanied by an E-bill. Which TD Bank doesnt offer. This is a scam at best. Dont bother with their card. 

Who wants to deal with a company that trys to dupe their customers. Wont fix their procedures when an issue is discovered and wont do whats right when its brought to their attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several complaints to the credit bureaus on XXXX, XXXX, XXXX XXXX with XXXX and XXXX There is inaccurate information listed on my account with NCB Management systems. The company is stating that I XXXX XXXX dollars to them. I have never been extended credit from NCB. However, In XXXX I did have a car repossessed by XXXX XXXX The care was repossessed and sold at an auction for XXXX. 
Not only is the amount owed to XXXX not matching the amount that the car was repossessed for the debt is showing as if it is a new debt on my credit report with different amounts showing. I have call the company, I have called the credit bureaus and they have not been able to resolve this issue. They keep saying it is investigated. This is not the case. This debt is reporting like a new debt and NCB refuses to show me proof of what I owe. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Basically ask the credit bureaus to do a verification of everything on my credit report and they did they stated that everything was accurate and you did a thorough research myself and found improper inaccuracies on the credit report even after they did the thorough research. in accordance to the fair credit report XXXX XXXX XXXX account XXXX has violated my rights 15 U.S.C 1681 section 602 A states that 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate ad unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate the items within 30 days 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 stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.