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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or 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 & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files., I found that under section 605b ( a ) Equifax and 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 : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) 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 Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date opened XX/XX/XXXX Balance : {$3100.00}, XXXX - XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX CO XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Checking or savings account

Complaint Regarding PayPal Withholding My Payment I'm writing with regards to help with the release of my payment in PayPal PayPal sent me an email claiming that it had limited my account Upon inquiring the circumstances behind the limitation, PayPal informed me the account had been limited for security reasons- reasons they can't reveal. 

Please note that I'm a single mother of XXXX, I'm paid by my employer using my PayPal email address and my bank ( paypal ) has permanently limited the account with money in it. 

I feel so devastated, shocked, overstretched and completely overwhelmed. 

I'm slowly sinking into XXXX and I think this issue is having a toll on my health and mental wellbeing. 

I can provide the PayPal email associated with the limited account The amounts withheld are {$84.00} dollars Date of withholding was XXXX XXXX, 2022 The reasons they cited for limiting my account was that the account was closed for security reasons they can't disclose and that my money will be made available to me 180 days after the date of the limitation. 


I hope that you'd been of assistance in this matter. 


Best, XXXX
Product: Credit card

I have a Capital One BJ 's general purpose Mastercard. It can be used at BJs for " points, '' and anywhere MC is accepted. 

On XXXX I received a notice of a " pending '' charge from BJ 's in the amount of {$60.00}. I called customer service and inquired, as I did not initiate that charge. Customer service informed me that I would need to wait 24 hours in order for them to " view '' the charge. 

I waited until XXXX to call again, as the charge is still listed as " pending '' ( but still holding that amount on my card ). I was told by the customer service agent ( XXXX ) that it was a " restrictive hold '' in regard to an order placed in the BJ 's App on XX/XX/year>. 

When placing an order in the app, they will typically " hold '' a percentage of the Order as a restocking fee, should the order not be picked up. I understand that. However, the order was paid for, and picked up on XX/XX/year>. No further online/app orders have been placed. 

I was told that they could not remove the " pending '' charge and thereby release the funds being held on my card that can not be used, until they investigate. I was told that I would receive an email with my case number ; which I have not. I was also told that it could take three business days, or longer to resolve. 

I am not understanding why a hold was placed on my account from a transaction that was completed 13 days earlier. 

As the charge is still " pending '' today, Capital One is not able to remove it. 

Assistance in this matter would be greatly appreciated. 

Thank you.
Product: Credit reporting or other personal consumer reports

This account is Fraudlulent, from XXXX XXXXXXXX XXXX XXXXXXXX and is not mine
Product: Debt collection

I filed a complaint on XX/XX/XXXX to XXXX to have this account remove from my credit report. This account has been paid in full since XX/XX/XXXX. It has now been 41 days and I have not heard from XXXX about this issue.
Product: Credit card

My year was up therefore I decided not to renew my American Express XXXX XXXX XXXX XXXX. I called them and asked them to send my {$100.00} reward and do not renew my card. They declined to send me my reward and told me that because I choose not to renew my card I lose my reward. This is wrong. I have zero balance since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

To my utter disbelief, I discovered inaccurate accounts on my credit report this morning, and I cant figure out why theyre there. I checked my credit report like I always do, but this time, I was met with discrepancies that appeared out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but the inaccurate accounts remained. Im requesting a thorough check of the documents Ive provided so that I can avoid ever having to worry about this again.
Product: Debt collection

I had a XXXX XXXX appointment at a XXXX XXXX XXXX, no medical procedures were done. It essences, it was a normal checkup but with a conversation with a XXXX XXXX doctor and XXXX. That apparently cost {$700.00} and wasn't covered by my insurance at the time. However, I had blood drawn at the same location and it was completely covered. This is an absurd charge for no medical procedures to have been done and I can not afford to pay off {$700.00} just for that. I tried doing a payment method, but the balance keeps saying XXXX
Product: Debt collection

PLEASE ASSIST ME. EVERY TIME I SEE THESE FRAUDULENT ACCOUNTS, I BECOME MORE AND MORE ANXIOUS. I WANT MY CREDIT REPORT TO HAVE THESE PERMANENTLY REMOVED.
Product: Checking or savings account

Hello. My bank account is closed. I want to know the fund when I get it. When send the money back
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 Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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: Debt collection

In the beginning of XX/XX/2021 I contacted XXXX about my rising phone bill. It was discovered that they enrolled me in digital protection without my knowledge. This added XXXX a moth for over 12 months. I asked for a refund of the fraudulent charges. I decided to change carriers because of my negative experience with XXXX. At the end of XXXX my bill was paid in full and I changed carriers. My XXXX bill was not due until XXXX 2021.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was notified that a new account had been opened in my name. I immediately disputed the item with XXXX. On XX/XX/XXXX, the investigation was complete. According to XXXX, the item was accurate and updated. On XX/XX/XXXX, I contacted the creditor. The rep 's name is XXXX XXXX. According to XXXX XXXX, the account could not be verified by the account number reported on my credit report. He tried to verify the account using my name but was not successful. Mr. XXXX did ask for my social security number. I did not provide that information over the phone. I requested a second investigation on XX/XX/XXXX, with XXXX. As of XX/XX/XXXX, XXXX  is documenting this item as accurate and it remains on my credit report.
Product: Checking or savings account

As a result of a harassing phone call with employee XXXX XXXX ( last name may be misspelled ; her supervisor and loan manager is XXXX XXXX ) I was wrongfully denied eligibility without proper reason for a checking account to move forward with a credit card application that was already approved and verified. Email attachment included. 

I do believe without a reasonable doubt this denial to move forward was entirely due to my choice of moving forward with a federal and formal complaint against XXXX and the aggressive harassment I chose to report on the credit union and employee due to my pay-stub improperly reporting by HR error and no fault of my own. Payroll co. encounter errors and mis-pays etc. very often so her tactics were not only unreasonable but lacked knowledge of any common sense. I provided an immediate bank statement as well ( this was after her call ). 

During my conversation with her supervisor XXXX XXXX I was contentiously put on hold and treated unfairly due to my rebuttals of needing a proper written reasoning as per my rights. Clearly they wanted to give me the least amount of info and have me on my way due to their negligence. 

All calls are recorded and I urge you to review them and subpoena them from First Tech. 

I will be pursing this further if a proper and respectable resolution is not addressed by First Tech. They have my email and cell phone. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called all these companies and told them I never applied for or tried to open a account with them and I never authorized a hard inquiry from them. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

On XX/XX/2023 I deposited {$250.00} on to my Chime account via XXXX. Chime in return locked the account and then suspended it. I never gained access to the funds. They have asked for verification of intended recipient. I have sent over bank statements, Drivers license, screenshots of the XXXX XXXX account transfer, pictures of the debit card, pictures of proof of address. All I get in return is an automated response. I am currently out of town in Georgia with a child and I do not have access to my funds. I am borrowing money everyday and its quite pathetic that I have to beg for my money. I have no resolution. XXXX XXXX has provided all of the details of the transfer and confirms that the transfer was successful and provided documentation for me to provide to Chime which I did, however Chime has failed to respond. Please help.
Product: Debt collection

CITI BANK account number XXXX ( CHECKING ) When I opened my savings account in XX/XX/XXXX, I was promised a {$400.00} bonus after making certain amount of deposit and kept it for 90 days. On XX/XX/XXXX, I still did not receive the bonus. After making multiple attempts to connect with Citi executive, I was told that there was an error in the system and the bonus would be made within 2 weeks. They told me that on XX/XX/XXXX, and then told me that again on XX/XX/XXXX. Still, on XX/XX/XXXX, no deposit was made until I came into a branch and complained to the manager. 

Due to frustration, I withdrew all $ and closed both my checking and saving account on a {$0.00} balance. The branch let me close both accounts because there was no pending activity. But now after I closedthe accounts, Citibank sent texts asking me to pay for an overdrawn of $ XXXX on my checking account due to some transactions I disputed in the past that Citi now decided to reverse them all. This is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe equifax has repeatedly ignored security loopholes in their system. Especially with as much personal information as they have available ... there should not be an issue like the hack happening.
Product: Credit reporting or other personal consumer reports

I hope you're well. Accounts below are the subject of this letter. This is on my credit report and affects me greatly. Identity theft compromised my identification, thus these accounts appear on my credit record. Because they are not mine and I shouldn't be responsible for something opened without my knowledge, these accounts are really bothering me.
Product: Credit reporting or other personal consumer reports

Upon checking my credit, numbers are missing from my credit report ( s ). Please add and update my phone number ( s ) on my credit report immediately! XXXX XXXX Also add address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Mortgage

This complaint is in addition to my previous complaint, case # XXXX. We received a Notice of Final Judgment from LoanCare, informing us our property would be auctioned on XXXX XXXX, XXXX. LoanCare answered the prior complaint by stating they are no longer the holder of the promissory note or the servicer. They stated the note has been transferred and sold to XXXX XXXX. Furthermore, we were not served a Notice of Entry dtd XXXX/XXXX/XXXX as read in the court documents by XXXX law firm or by the referee, XXXX XXXX, thereby denying us our right of Due Process to Appeal or Answer to LoanCare 's allegations. We first recvd this Notice of Entry & Final Judgment on XXXX XXXX, XXXX via XXXX class mail. In my previous complaint, which you have on record, LoanCare answered by stating they are not the Servicer as of XXXX XXXX, XXXX. XXXX XXXX, who holds the Note and is the Assignment of Record is currently offering us loss mitigation resolutions, hence LoanCare is in violation of " dual-tracking ''. They are attempting to seize the property through illegal and unscrupulous acts. We find that LoanCare is in violation of 15 U.S. C1641 ( f ) ( 2 ) whereby servicers are under Federal obligation to disclose " true owner '' of the obligation. If LoanCare XXXX has sold the loan to XXXX XXXX, they why are they proceeding to foreclose on the property? LoanCare has not presented to us the original Note Affidavit of sell from XXXX XXXX to LoanCare, non-issuance of Commitment to Insure, non-issuance of Deed & Title Policy, non-issuance of Certificate of Release from orig. Title insurance, as we 've asked on numerous occasions.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I wrote to the company to inform them that the inquiries in question were fraudulent and needed to be removed. Instead I was either not answered or sent notices that they had no proof of the inquiry even being put on my credit report. They never provided any proof that I was the one who ran my credit. 

The date is now XX/XX/2021, I have been contacting the following company for the past 3 months to no avail. someone was trying to get credit in my name as well as loans to do XXXX knows what. They failed to assist and I am now filing a complaint. 

Synchrony Bank XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Capital One conducted a hard inquiry on my credit. While I understand that such inquiries typically remain on my report for no more than two years, I am surprised to see that this one has yet to be removed. I kindly request your assistance in resolving this matter. Thank you Credit for two years has not yet been removed ; the credit was run on XX/XX/year>XXXX XXXX
Product: Debt collection

This company " portfollio recovery '' has added a debt to my account. It is already on my credit report under a different collection company. This is a duplicate. This has to be illegal.
Product: Checking or savings account

My name is XXXX XXXX XXXX XXXX and in the summer of XXXX I applied for a business grant with the Small Business Administration ( SBA ), but I made a serious mistake because I did not make sure to study the information on this application well, so I applied for a program, where people already have a business and need help, but it turns out that I do not have a business, I applied with the information of my home address, my personal social security number and ID, so the loan that SBA gave me ( {$7500.00} ) was placed in my personal account, but I have not used that money, since I have not been able to do any business and I want to return these funds to the SBA. 

My bank, which is CHASE, closed my account on XX/XX/XXXX XXXX, which is fair and very correct, but they kept the money of loan all these months, I have called and had two appointments for that, plus my phone calls to both Chase and SBA , but even today, XX/XX/XXXX, I can't get this money back to the SBA XXXX in a call to SBA customer service, the representative who attended me informed the money has not been returned to SBA and according to them, Chase knows how to do this process of refunding the money. 

In the meantime, I am paying the interest on this debt, so that it does not accumulate and I am very worried because on XX/XX/XXXX, this debt must begin to be paid, so what will be happen if the money continues to be held in Chase Bank. 

My application number with XXXX is XXXX XXXX XXXX My ID number is : XXXX XXXX XXXX My phone number is : XXXX XXXX XXXX ( I am a teacher, so I work from Monday to Friday in a school from XXXX to XXXX )