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

I pulled my credit report and realized that I had an unauthrozed inquiry on my credit report, I sent a letter out to capital one, XXXX  AND XXXX XX/XX/XXXX to verify that inquiry and I have NOT received a response from the company. I then reached out to them ( CAPITAL ONE via phone XX/XX/XXXX and spoke with a representative and explained to him my issue and he informed me that this is a known issue that they have been having. If I provided documentation about the inquiry dated XX/XX/XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXXXXXX HOW IS THIS POSSIBLE IN THE SAME MONTH? FRAUD INQUIRES and then I reach out and was told they have been having this issue. why have they not remove the inquiry. if documentation was sent. I need this removed and the fact that it has been an issue with many customers it's scary! how is my information getting compromised. I need answers and I need the inquiry removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be remove from my credit report asap. 
1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

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

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

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

5. Identity Theft XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit card or prepaid card

I, XXXX XXXX, Managing member of XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX. 

I have applied for a business credit card with BMO Harris Bank in the name of the business to be sent to my office. 
I have NEVER received the card nor have I activated or attempt to make any purchase with it. 
I was out of the country from XX/XX/XXXX until XX/XX/2022 and again I have never used the card because I was never in possession of it. 

On XX/XX/2022 I logged online to pay my personal credit card and I noticed a business card ending in # XXXX ( a business card ) with charges made at XXXX, XXXX and other businesses totaling more than 7.000.00. 

These charges are fraudulent, I never received the card, I never made any purchases nor have any of my employees ever had access to this card. 

Please investigate the matter and prosecute it to the fullest extent of the law. 

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

I reached out to Experian about this faulty bankruptcy and they lied and sent me a letter stating the credit bureau confirmed a bankruptcy the courts confirmed that they did not provide Experian with no information and provided me with a letter prooving they did not please help
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my seventh endeavor to tell you that I am a victim of identity theft and I complain to questionspecific records in my document coming about because of the wrongdoing. The records I amquestioning connect with no exchanges acquiring any possession of goods, services or money that Ihave made or authorized. Assuming no one cares either way, block the noteworthy of any information inmy credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance {$1400.00} ; XXXX, XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. 

I have not given you written permission to put anything on my credit profile. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following account/s : OAG Child SU - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This agency is in violation of 15 USC 1692g.
Product: Checking or savings account

My account is new. 2 checks got deposited one of them bounced back the 1st 1. The 2nd one cleared I have the money in my account my account is not closed And there's no way I could touch it or use it is it and when I call a bank the they keep giving me the back-and-forth run around. I Have your family and have bills to pay and it's not fair that I can not touch my money
Product: Credit card or prepaid card

Contacted AMX on the XXXX of XXXX after arriving at XXXX to find out that they canceled the hotel reservation. Had made the reservation hours earlier and notified them that we would be arriving around or sometime after XXXX. We were assured that the front desk would be notified and not to worry. We placed another call to reservation to let them know we were arriving shortly. This call was sometime shortly after XXXX and around XXXX. However, reservation informed us they did not have a room. 

I went directly to the hotel clerk and spoke with the clerk at the front desk who told me that it was reservation who canceled the room because it was after XXXX. I told the clerk that we had called twice to notify them that we anticipated an arrival time of around XXXX. 

He sent me across the street to a motel. The hotel clerk at the motel did not seem to know anything about XXXX covering the charge for one of their rooms. The clerk at the motel wanted payment. 

I called AMX while I was at this motel and spoke with a gentleman on the phone to report that XXXX was refusing to refund me for the room that they opted to cancel. I explained I did not want to be charged as I felt strongly that this was a scam. The hotel clerk admitted knowing that we would be arriving late into the morning hours. I was charged {$170.00}. 

This motel was not a place where I felt we would be safe and I was not about to get charged again and their rooms advertised for as low as {$50.00} to {$90.00}. 

We slept in the vehicle at a rest stop and drove on to VA where we checked in at the XXXX XXXX in XXXX. The clerks at XXXX informed me that the way the system works in the hotel industry for reservations is that when someone calls to notify the hotel that they will be arriving late that the room remains reserved until the parties arrive. They informed me that the clerk had the option to keep the reservation and instead opted to give the room away.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Product: Checking or savings account

Since XX/XX/2021 Wells Fargo Bank has held all the funds in my XXXX  bank account citing a fraud investigation. I have been spoken with numerous individuals in the fraud department, as well as the branch manager and other branch staff. Additionally, I have emailed as well. There have been multiple statements from Wells Fargo saying that the account will be closed and that my funds will be sent to me by cashiers check, with the last date given as XX/XX/2021. However, they never sent me a cashiers check and when I went into the branch I was told that my account is frozen and I can not access my funds. The bank representatives continue to say that I had a wire recalled and that is why they are not releasing funds, and when I ask for proof of that, they deny me access to my business account records. I believe this is because there has never been a wire recalled, and the fact that my account balance does NOT have a negative balance proves that! They also allege fraud, and I have asked them to please prove that or release my funds as they stated within the Wells Fargo Bank statement they sent me with the deadline date of XX/XX/2021. The last conversation I had was with the Wells Fargo Bank branch manager and she said that the branch will no longer be able to help me. I have left numerous messages with the fraud department, filed multiple complaints to the branch, and still have not heard anything. Meanwhile my funds are still locked in my business account. Please help me. I am suffering a tremendous financial hardship from this, and had all of my retirement funds sent to my Wells Fargo Bank account ( {$73000.00} ) but can not access them. I need to expedite this complaint as I am unable to pay my rent because I am currently experiencing COVID related unemployment. Thank you so much for your assistance in this matter.
Product: Checking or savings account

My XXXX XXXX account was compromised. The person that gained illegal access to my account purchased several games using the stored debit card information on the XXXX XXXX account. The four fraudulent transactions are listed below along with the dates they were posted to my bank account : XX/XX/2023 : {$74.00} XX/XX/2023 : {$29.00} XX/XX/2023 : {$74.00} XX/XX/2023 : {$63.00} I reached out to XXXX to have the charges refunded and to recover my account. I was able to recover my account, and was refunded for 3 out of the 4 transactions. However, XXXX refused to refund the 4th transaction, {$74.00}, claiming " Company policy does not allow refunds on games that were already downloaded ''. Since the person who fraudulently used my debit card had already downloaded the game, XXXX refused to refund me. 

I filed a dispute with my bank, PNC, and waited to hear back. An agent with PNC informed me that the dispute was denied. I asked for the reason and was told " You were already refunded by the vendor. '' This is not true. PNC is likely confused as to the total number of fraudulent transactions. I only disputed one transaction with PNC, {$74.00}, as the other XXXX transactions were already refunded by the vendor, XXXX XXXX. 

To summarize : 4 fraudulent transactions were made using my stored debit card information on my XXXX XXXX account. The vendor, XXXX XXXX, refunded 3 of the 4 transactions, but refused to refund the 4th. I filed a dispute with my bank, PNC, for the 4th transaction, but was denied. The disputed amount is {$74.00}.
Product: Credit card or prepaid card

I opened an amazon sincrony bank credit card to purchase books for college. I paid it off in full back in XX/XX/2019 for the last amount of XXXX. I called to have my account closed and they decided not to close the account instead opened a brand new account under my name unauthorized and know I have charges that I didnt make and have been calling them o resolve this issue and has been under investigation since XXXX 2019. almost a year know I keep calling them to find out whats going on because I am a very responsible individual and I dont need charges that I didnt make under my name so its under my best interest to get this resolved. They are requesting payments and I refuse to pay for something that I didnt make.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been resolved and has a - $ XXXX balance. It has been paid off with XXXX. Any questions can be referred to their attorney XXXX XXXX at XXXX This was for a XXXX credit card. 

Please show the account closed with a $ XXXX balance as this has been resolved with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts has violated my rights. 

1 ) XXXX XXXX XXXX XXXX 2 XXXX XXXX XXXX XXXX XXXX XXXX 3 XXXX XXXX XXXX XXXX XXXX 4 XXXX XXXX XXXX XXXX XXXX XXXX 5 XXXX XXXX XXXX XXXX XXXX XXXX 6 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7 XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C1681section 602A. States I have a right to privacy.

15 U.S.C 1681 section 604A 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX Date : XX/XX/year> First Federal Credit Control XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Subject : Formal Dispute of Medical Collection Account Dear First Federal Credit Control, I am writing to formally dispute the accuracy and validity of a medical collection account listed on my credit report under the name of your agency, First Federal Credit Control XXXX I recently became aware of this account, and I am challenging its reporting as I believe it to be inaccurate and potentially in violation of several federal laws. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, your company has a legal obligation to ensure the accuracy of the information you furnish to credit reporting agencies. I request that you provide full validation of this debt, including : 1. A copy of the original signed agreement or contract from the original creditor, the FL XXXXXXXX XXXX XXXXXXXX, verifying that I owe this debt. 
2. A detailed explanation of how this account was verified by your company, including any supporting documentation.

3. Any relevant medical billing information that complies with the Health Insurance Portability and Accountability Act ( HIPAA ) privacy laws, which limit the disclosure of medical details to third parties such as credit reporting agencies. 
In addition to the FCRA and HIPAA, the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g, requires that a debt collector provide validation of a debt upon request. 
Therefore, I am requesting that you cease all collection efforts until proper documentation is provided to me and this matter is resolved. Failure to provide such documentation within 30 days will result in a demand for immediate removal of this account from my credit report. 
Please be aware that failure to comply with these federal laws will leave me with no choice but to pursue all available legal remedies to protect my rights under the FCRA, FDCPA, and HIPAA. I also reserve the right to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 
I expect a prompt and thorough response within 30 days, providing the requested validation or removal of this account. If this account can not be properly validated, I demand that it be deleted from all credit reporting agencies immediately. 
Thank you for your immediate attention to this matter. 
SincerelyXXXX 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: Debt collection

Hi, I have been being contacted by XXXX  XXXX XXXX for years now, unknowingly they have been pursuing debt that I have paid in XX/XX/2020. I have a receipt that says this debt has been paid in FULL and they refuse to honor the receipt and evidence that I do not own this debt. They have been continuously reselling my debt and new debt collectors keep harassing me for something that I have PAID. It have tried to dispute it several times on my credit report, but they keep saying I am wrong. Why would ANYONE bother to pay debt if they will take your money but not update the account? Please see the attached receipt. This is long overdue and has been stressing me out continuously, as no one will listen.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XX/XX/XXXX# XXXX - DATE OPENED XXXX/XXXX/2023
Product: Credit reporting or other personal consumer reports

I am writing this complaint to dispute a collections account that appears on my credit report. I have reason to believe that this account is not a valid debt, as the debt collection agency listed on my credit report, Spring Oaks Capital , LLC, does not have a license to operate in the State of Georgia, where I reside. 
I have enclosed evidence to support my claim, including a copy of the XXXX consumer access list of licensed debt XXXX and a copy of my driver 's license, which confirms my residency in Georgia. 
As you are aware, under the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), a debt collection agency must be licensed in the state where it operates and the state where the consumer resides. In addition, Georgia law requires debt collection agencies to obtain a license from the Georgia Department of Business Oversight ( DBO ) before engaging in debt collection activities in the state. 
Given that Spring Oaks Capital , LLC does not have a license to operate in Georgia, I request that you immediately remove this collections account from my credit report. If you are unable to verify the legitimacy of this debt, I request that you remove it as well, as it is in violation of the FDCPA and the RFDCPA. Im a requesting a cease and desists immediately. 
Thank you for your attention to this matter. I look forward to hearing from you soon. 
Sincerely, XXXX XXXX
Product: Debt collection

Merchants Credit has placed a medical bill on my credit that doesnt belong to me. They can not verify the debt or list any charges from the doctors visit. This company doesnt own the debt please have it removed from my credit report
Product: Credit card

XXXX XXXX XXXX  Good afternoon, I am writing to file a complaint against Syncrony Bank for a series of actions they have taken against a few of my accounts. 

In letters dated XX/XX/XXXX, Syncrony wrote me and informed me that they closed my Syncrony Mohawk/Home account and reduced my credit limit for Dicks XXXX XXXXXXXX account from {$4000.00} to {$250.00}. The reason for the changes are stated below : Dear XXXX XXXX, After a review of your account, Synchrony Bank has decided to close your account. 
Our decision was based in part on a scoring system that was used to predict your creditworthiness. The reason ( XXXX ) for our decision are listed below. 
Not Enough Balance Paid Down Over Time On Real Estate Secured Loans Balances On Accounts Too High Compared To Credit Limits And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For Dicks XXXX XXXX, Syncrony decided to reduce my credit limit in XX/XX/XXXX from {$4000.00} to {$250.00}. I have {$0.00} balance on this account. I have never paid this account late. Since XXXX, I use this account and pay it off which proves credit worthiness. My credit score has not changed much since I opened the account in XXXX, so why are they doing this now? 

I contacted Synchrony and they were unwilling to allow me to speak to one individual that could address this issue with multiple Synchrony accounts. If the letter they issued says provides the identical reason for the change, then I need to speak with one person who can provide the answers I am seeking on multiple accounts. They have clearly used the same reasons to make changes, so why do I have to take to XXXX or XXXX different reps that don't have the power to do anything to assist me? 

I understand that Syncrony can close or make changes to an account at will. However, the reasons listed above and the timing, which is just after the holidays seems suspicious. I used my credit cards during the holidays ( as I do each year ). This of course increased the credit card usage percentage rate, which is now at 18 %. This is still not terrible considering I have nearly {$80.00} XXXX dollars in available credit. All of my credit accounts are paid on time and XXXX is showing 100 % on time payments on my credit accounts. 

Not enough balance paid down over time on real estate secured loans? My current mortgage is with XXXX XXXX. This is also 100 % paid on time, and the balance has decreased by {$25000.00} since XXXX. Is this common practice for credit card banks to randomly run your credit report? 

I have no way to prove whether the sudden decisions to close an account and reduce my credit limit is discriminatory. However, I am filing this complaint because something is not right and I will not sit back and allow these banks to target certain groups of people. I have an increase in my salary of 6 % since last year and I now earn approximately {$130000.00} annually. 

Please advise me of my rights in this matter. If you need additional information, please let me know. 

Your time and attention is greatly appreciated. 

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

XXXX Ad XXXX of XXXX Description 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. 
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 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 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 XXXX XXXX 
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: Checking or savings account

I had my account hacked and had over {$8000.00} stolen from me. Wells Fargo has a security system that does not work and refuses to give this the proper attention to help me get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX  accounts should have been in a deferment or forbearance XXXX XXXX XX/XX/2017. My XXXX  loan is showing correctly but my XXXX XXXX is not. I have filed multiple inquiries with the 3 CRA 's and with XXXX XXXX directly with no resolution. 
Each account with XXXX  XXXX is showing 6 DQ payments, for each loan and it is severely impacting my score. The information caused other card issuers to close my accounts in 2017. I was promised investigation by phone with XXXX without any resolution. Every-time I have called, individuals say they can see the error and submit a request to adjust but then nothing ever comes of it.