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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a copy of a letter I received from XXXX XXXX XXXX dated XX/XX/XXXX telling me XXXX XXXX XXXX would request a fraudulent hard inquiry to be removed from my credit reports. Today, over 7 months later Equifax has not removed this fraudulent inquiry from my credit report. I also sent Equifax a police report related to this on XX/XX/XXXX. Equifax is supposedly investigating this as confirmation # XXXX. I spoke with them yesterday XX/XX/XXXX and they dropped my call after 45 minutes on the phone with them without them giving me any status information on this incident.
Product: Credit reporting or other personal consumer reports

Dear Experian I am writing to formally dispute an incorrect address that appears on my Experian credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that you remove the following incorrect address from my file as it is not associated with me and may lead to potential confusion or misrepresentation of my credit information. 
Incorrect Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note that I have not resided at or used the above address in any capacity, and I am concerned that its presence on my report may affect the accuracy of my credit file. 

As required by the FCRA, credit reporting agencies are obligated to ensure that only accurate information appears on consumers ' credit reports, and I respectfully request an investigation into this matter. 

Please complete the necessary investigation and provide written confirmation that the incorrect address has been removed. I trust that you will treat this request with urgency to ensure the accuracy of my credit file. 

Thank you for your attention to this matter. I look forward to a prompt response confirming the removal of the erroneous information from my report. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal banned my account. I comply with their legal agreements but they shutdown my account instantly. I don't have any disputes in my account. The executive of PayPal email me that their decision is final but its not fair for me because I don't make any illegal activities in my account, and their reasons are not acceptable because its changing. First they email me that Im violating the rules from gambling and then they email that I'm violating about unapproved file sharing then they email that my account was in a potential risk. I don't know what is the real reason. For me I don't make any illegal activities in my account they acuse me the things that I don't make that's why PayPal is unfair.
Product: Student loan

PHEAA had my wages garnished from my pay leaving me with less than $ XXXX/month to provide for myself and my child. I made several attempts to talk to their loan default department and stated that I fell below the Federal XXXX and was making it impossible for me to care for my child. They refused to help me. My Federal Income Tax return was offset by over {$4000.00} on top of the wage garnishment.
Product: Credit reporting, credit repair services, 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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX  Acct- XXXX XXXX Acct- XXXX XXXX XXXX Acct- XXXX XXXX Acct- XXXX XXXX XXXX XXXX Acct- XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Checking or savings account

I deposited a check on XXXX was told there was a hold until next business day. That evening I received an email that said funds were on hold for 7 days. On XX/XX/30 I received my direct deposit from my employer. I went to transfer funds to pay bills and was alerted that there was an alert on my account and I needed to call in. Called in to find out that they have frozen ALL my funds and Im unable to withdraw any money from account. I have called in multiple times and every time I call in they have no updates as to when this freeze will be lifted. That is all my money and I have bills and food that need to be paid/bought. Bank of America has handled this extremely poorly. Please advise as to how we can get this resolved ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is improperly reporting an account in collection as follows : Creditor : XXXX  XXXX  XXXX  Date Opened : XX/XX/2019 Amount Due : {$5900.00} No account was opened with them or their " Original Creditor : XXXX XXXX '' in or around XX/XX/2019. 

I have contacted Experian and filed a dispute 2 or 3 times to date with no success. I have contacted " XXXX XXXX XXXX '' as well to make them aware of their error only to be berated and yelled at. 

The original account refers to a Student Loan with a date of first delinquency that was longer than 7 years ago.
Product: Vehicle loan or lease

We have contacted TD Auto as our XXXX  XXXX XXXX  was deemed totaled by XXXX XXXX XXXX. XXXX XXXX was unable to get ahold of anyone at TD Auto and my wife and I took it upon ourselves to contact TD to help resolve the issue. We were able to make contact and provided the info to XXXX XXXX   whom faxed over the letter of guarantee that needed to be filled out by TD Auto. Now its been over 8 days ( XX/XX/XXXX  letter was faxed ) and they said it was sitting on someone's desk and he would try to rush it through. He did provide us with a number to call for any questions or to check in on where they were in the process.. well that number we call has kept us on hold for well over 10 hours still with no contact. We call customer service and they tell us 7 to 10 business days from the day we have reached out for example today they said another 7 to 10 business days. But yet they are now demanding payment on a loan that has been deemed a total loss and should have been paid in full by XXXX XXXX by now if it wasn't for TD auto dragging their feet trying to earn more interest money ... Fair practices act much???
Product: Credit reporting, credit repair services, or other personal consumer reports

As a follow-up to my earlier CFPB complaint asking that some of the disputed accounts reporting inaccurate information on my credit file be corrected, I am submitting this complaint. I have the right, in accordance with the Fair Credit Reporting Act 's provisions, to seek an examination into my credit file at no cost and to have any erroneous or deceptive information removed from it. Please fix the following accounts, or better still, erase them : XXXX XXXX XXXX Balance Owed : {$87.00} XXXX XXXXXXXX Balance Owed : {$330.00} XXXX XXXX XXXX Balance Owed : {$49.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2300.00} XXXX  XXXX XXXX Balance Owed : {$8000.00}. You've been telling me that these accounts are true, but you've never sent me any proof to back up your assertions. I expect that these accounts will be instantly rectified as soon as feasible without such crucial papers.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

i've requested that Transunion remove an item on my credit report that does not belong to me. It has been posted from a collection agency. I requested they validate this debt as mine. They sent me a credit report showing it has been verified as accurate. But has provided no validation of this acct belonging to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had once reported this issue involving Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted to all credit bureaus. Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) .These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). 


Credit bureaus ' response but never about what they should follow per the FCRA : XXXX. You may contact the company that reports the information to us and dispute it directly with them. If you would like written proof about your accounts l ( such as the original agreement ), please contact your creditors directly. 
XXXX. You may contact the Consumer Financial Protection Bureau or your State Attorney General 's office about your issue or complaint against XXXX or l the company reporting the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}.
Product: Credit card or prepaid card

On Tuesday XX/XX/XXXX, I applied for a Chase XXXX XXXX Card. 

I was rejected for the card " for having too many applications in the last 24 months ''. For Chase this number is XXXX or more applications and is referred to as the XX/XX/XXXX rule. 

Application ID is : XXXX When I spoke with the reconsideration line today at approximately XXXX XXXX, I was told of this. 

I was told that XXXX of the cards they were considering opened, was a XXXX XXXX XXXX XXXX serviced by XXXX XXXX. 

As is well known, XXXX is in bankruptcy court currently and XXXX XXXX, has paused all cardholders ' attempts to use their card as XXXX can not currently pay accrued benefits to cardholders. 

So in effect, due to a bankruptcy, which I can not control, I am being treated as this is XXXX of the XXXX or more " opened accounts '', and thus a reason to disqualify me from this credit card. It was not because I was not credit worthy, not because I have poor XXXX XXXX but because a financial institution went bankrupt. I am XXXX of thousands who is effected by this. In such a situation where the card holders is UNABLE to use the card because the issuer went bankrupt, it is unfair to consider this as " an opened account ''. An opened account would assume that provided the cardholder continues to pay their bills on time, they would be able to use the card. I paid my bills on time and am no longer able to use the card, so this card should not be counted against the XXXX limit, and therefore, if that was the only reason my application was rejected, I should deserve redress. 

This is unfair to the consumer. 

When I spoke to several agents during a recorded call, they were very curt, insulting, and their tone of voice left much to be desired. I hope that these calls will be monitored and more respect will be paid to potential Chase customers. 

I already have XXXX credit lines at Chase XXXX XXXX XXXX card, and the Southwest XXXX XXXX card ), but based on this experience, I'm not sure I can recommend them to anyone else. Treating customers poorly and pushing us for bankruptcies that have nothing to do with us, is a poor way to conduct business. Now I have an additional hard inquiry on my credit report for the next years that will negatively affect me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting fraudulent accounts and inquiries I was the victim of identity theft and they refused to remove items I have disputed several times XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have sent police report and id and everything they have asked for
Product: Checking or savings account

On XX/XX/23 I made a deposit for {$660.00} into my XXXX XXXX account held by Customers Bank XXXX I was informed that my deposit would be placed on an exception hold and the reason stated was : Confidential information that the check may not be paid. 

The check was in fact cleared XX/XX/23. The funds were not made available until XX/XX/23. 

My issue is the nature of the " confidential information ''. I have been with this bank for over a year, maintained a minimum balance of over XXXX and have not had any history of returned deposited items or NSF. This simply seems like a tactic to not make funds available with no real reason for an exception hold. What I'm asking for is an explanation of the nature of the confidential information that prompted this action.
Product: Debt collection

In late XX/XX/2023, I discovered two adverse medical accounts in my name, which were sent to XXXX XXXX XXXX XXXX, a debt collection agency. Shortly after, I found out that four other companies also had these adverse medical accounts. These companies are : # XXXX : XXXX XXXX XXXX, # XXXX : XXXX XXXX XXXX, # XXXX : XXXX XXXX, # XXXX : Phoenix Financial Services. 

I have conducted my own investigation and am certain that these two medical accounts are not mine ; they are the result of fraud medical identity theft. 

I believe that all five of the aforementioned companies should be held accountable for this. XXXX XXXX  XXXX XXXX is demanding that I pay these two bills, and Phoenix Financial Services is doing the same. They continue to send me letters and make phone calls demanding this money. The individuals I have spoken to have been very rude and have consistently pressured me to pay. They have also attempted to offer me a " settlement offer ''.
Product: Credit card or prepaid card

XXXXXXXX XXXX has changed its general purpose credit card from XXXX to Capital One. I paid my last bill in full three weeks before the due date. Capital One has charged me ( and likely every other customer ) a {$29.00} late fee, although I paid my bill in full. I think this is likely to have happened across the board with former XXXX customers of XXXX. They will waive the fee, but if they are charging hundreds of thousands of other customers, most will not notice the extra late fee! This could be very costly for XXXX 's customers, lucrative for Capital One, and very unfortunate that Capital One did not take a proactive approach to letting all of us know that the fees were applied incorrectly and should be waived across the board! 

I let Capital One know that I would be filing a complaint. Each of us should not have to make a call to the credit card company to get this resolved!!
Product: Credit reporting

I believed some of the information on my credit report are incorrect and should be removed immediately in 2009 I was rear-ended by another vehicle by no fault of my own immediately following the accident, I was removed to the hospital and received medical care and released. Afterward, I also received medical follow-ups with different doctor 's and received XXXX, up to this day after checking my credit report I noticed I still have collection notices on my credit report for the XXXX I received after the accident, in-spite of the fact I had hired an attorney to represent me and who close the case and assured me all the medical bills had been paid. For some unknown reason, those collection notices are still on my credit report and are causing a lot of XXXX moments the medical problems which I am currently suffering.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has fraudulent charges/balances that were not incurred by me. 
This card was PAID OFF In full in 2014, and I requested closure of this card. However, it appears that the card was never closed, and there is a FRAUDULENT BALANCE OF {$8700.00} reporting on my credit, which is NOT MINE. I didn't charge {$8700.00} on this card, and didn't know that this balance existed, as it DOESNT BELONG TO ME. I've repeatedly contacted the US BANK and informed them that these charges are not mine and this account shouldn't be on my credit in charge off status. They insist that they will do an investigation, and yet NOTHING HAPPENS, and this account continues to ERRONEOUSLY REPORT ON MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2018. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a {$53.00} XXXX XXXX be removed from my XXXX, Equifax and XXXX reports. XXXX and XXXX removed the collection however, Equifax 's investigation resulted in the collection remaining on my Equifax report. XXXX XXXX are suppose to fall off under {$500.00} starting in XX/XX/2022. Will you assist with having this removed? Thank you.
Product: Checking or savings account

PNC Bank is no longer allowing access for mobile apps to link with my account. I was trying to sign into XXXX to start saving money and look into stock options, but was given a message stating that PNC isn't allowing account linking.
Product: Credit reporting or other personal consumer reports

Ive sent in multiple disputes showing that the information your company is reporting is incorrect and you continuously report these account even I sent in multiple disputes. Where are the documents showing that these companies are verifying false information. If these accounts below arent deleted within the next 15 days I will be filing a lawsuit for willful noncompliance. Ive sent an attached file showing these accounts are not reporting accurate. Ive also filed a complaint and made an ftc report. Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Its not a surprise your company is being sued for the exact problem Ive been having.
Product: Credit reporting

After previously disputing this erroneous account, Equifax still deemed the account verified. This account had incorrect account status and I have no idea how a " collection account '' can report " past due '' .. This should have been removed from my report. Please see attached document
Product: Debt collection

I sent notification to a different debt company XXXX XXXX last year company years ago notifying them of Identity theft breaches with XXXX, XXXX, and XXXX  and let them know that I had no knowledge of the account at the time and would like ALL original paperwork so that I could put it with my FTC fraud filing. I never received any correspondence from XXXX XXXX and the account was deleted from my credit reports. and NCA apparently purchased this fraudulent account. I was just notified by my fraud monitor that NCA has created a fraudulent identity theft account stating that I opened a NEW account with them XX/XX/2023 in the amount of XXXX plus dollars. It has been reported to XXXX and XXXX. I have had issues with all three credit bureaus even getting access to my credit reports for over a year now and now that I have access they're allowing a fraudulent account to be placed on my reports despite me having a fraud and Identity theft alert in place. This is ridiculous that I keep having to fight these illegal issues!
Product: Debt collection

YES XXXX DID NOT ATTEMPT TO SEND ME FINAL NOTICE OF BALANCE OWED OF XXXX TO MY HOME ADDRESS ON FILE, REACHED OUT TO DEBT COLLECTION WHICH XXXX REFEREED ME TO, UPON CALLING THEY THREATENED ME TO MAKE A PAYMENT IN WHICH I HAVE NO IDEA NOR DID I RECIEVE ANY TYPE OF COMMUNICATION FROM XXXX WITH A BALANCE NOR A STATEMENT OF XXXX WHICH I WOULD HAVE GLADLY PAID WITHIN TIME FRAME. 
I DO NOT AGREE WITH BEING SENT TO COLLECTIONS WITHOUT A FINAL STATMENT NOTICE WITH THIS AMOUNT DISCLOSED.
Product: Checking or savings account

I legally want US Bank to close my account Thanks XXXX XXXX