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

Dear CFPB, I am contacting you all, because I do not own the Amazon Store Card/Synchrony account that was taken over by Portfolio Recovery. I have been having issues disputing this matter. I decided to contact XXXX XXXX directly and disputed the accounts on the XXXX of XX/XX/XXXX. I understand that COVID had delayed responses, but it should not take 90 days. The turnaround is usually around 30-45 days. When I called on XX/XX/XXXX. I was told that I was not going to be reached until XX/XX/XXXX. I was promised 30 days from XX/XX/XXXX. When I called on XX/XX/XXXX, I received a promise date of XX/XX/XXXX from representative XXXX XXXX It does not sound like a valid investigation turnaround. I received a follow-up letter with proof of ownership of the account. I was sent the final bill. The final bill does not give me clear proof without original beginning documents. I would like to know where the card was sent & payment history. 

I recall being contacted in XXXX. I denied the account then. When reached once the account was taken over, I denied the ownership of the account. I just updated the company with my number for a follow-up call in the last week or so. 

The document that I received from XXXX XXXX on XX/XX/XXXX was not viable proof of the debt owed. There are no detailed charges on the document sent. 

After speaking to Synchrony Bank and filing a claim on XX/XX/XXXX, I have been promised investigation results in 7-10 business days and was told that a representative may be giving me a call before the end of the investigation. The first rep I had spoken to is XXXX. I do not recall the 2nd rep. 

Best Regards, XXXX XXXX  XXXX
Product: Credit card

I have been notified that a lien was filed against my home due to a credit card opened in my name with Citibank. I contact Citibank to advise I have no accounts with them and that the balance in question was not mine.

The rep I spoke with indicated they would note the account, but nothing has been done since I contacted them on XX/XX/year>24.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Experian National Consumer Center that they are reporting a fraudulent bankruptcy on my credit report on XX/XX/2019. 
I notified XXXX XXXX XXXX  in XX/XX/2019 2019
Product: Credit card

Although my account was closed on XXXX, U.S. Bank sent me the enclosed notification for a statement on XXXX. As I am enrolled in electronic statement delivery and they removed my dashboard access shortly after XXXX due to the attached correspondence, would they be able to provide me with this, the previous statements, and any future statements.
Product: Credit reporting or other personal consumer reports

I have a freeze on my credit report and experian allowed a company to access a hard inquiry on my personal credit. I received an alert and called Experian to resolve the issue because I can not dispute the unauthorized inquiry online. I did not give XXXX authorization to run my personal credit. The only answers that I received was to call the company and ask them to remove it. I could not get anyone on the phone. The inquiry should not have been allowed to happen because there is a freeze on my report. If I apply for anything without removing the freeze it usually blocks me and I am instructed to unfreeze my credit. That is the purpose of the freeze to stop unauthorized inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to 15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish accounts # # # # # # XXXX # # # # # # XXXX And i DEMAND these accounts be deleted until proof is shown Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer. Also 15 U.S.C.1681a ( i ) ( 2 ) states medical information can not be included age or gender of a consumer demographic information including residence and any info that does not relate to the physical mental or behavioral health of a consumer. These medical collections are violations and must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you 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 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 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 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 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 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 card

ON XX/XX/2024 I MADE A PURCHASE FROM A TICKET WEBSITE CALLED XXXX THEY COMPANY WHO OWNS THE WEBSITE ITS XXXX XXXX XXXX XXXX AND IS LOACTED I. XXXX. THE TICKET WAS FOR A SOCCER FINAL BETWEEN XXXX XXXX AND XXXX XXXX IN XXXX XXXX XX/XX/2024 AND THE PRICE OF THE TICKET COST ME XXXX XXXX ONE DAY BEFORE THE GAME I TRY MULTIPLE TIMES TO REACH THE COMPANY BUT IT WAS SUCCESSFUL AFTER COUPLE FINALLY THE CALLED ME BACK, I TOLD THEM THE REASON I CALLED WAS TO SEE IF EVERYTHING IS OKAY FOR THE FINAL TOMMORROW AND THEY SAID THAT IM GOING TO GET THE TICKET FEW HOURS BEFORE THE FINAL.THE DAY OF THE GAME I STARTED CALLING THEM AT XXXX  TIME AND ONE MORE TIME NO ANSWER I CALLED I EMAILED NO ANSWER I STARTED GETTING STRESSED FINALLY THEY CALLEM BACK AND THEY ASKED IF I RECEIVED MY TICKET AND I EXPLAINED THAT NO, I ASKED THEM IF THE EMAIL IS CORRECT THEY SAID YES, THEY TOLD ME THAT THEY GOING TO CALL ME BACK SOMETHING THAT NEVER HAPPENED, SO LIKE YOU UNDERSTAND I MISSED THE FINAL I SPENT SO MUCH MONEY FOR FLIGHT TICKET STAY FOOD AND THE GAME TICKET. I CONTACT CHASE I EXPLAINED THEM WHAT HAPPENED AND THEY DIDN'T REALLY RESOLVE THE ISSUE TELLING ME THAT THE COMPANY SENT ME THE TICKET.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Privacy Violations 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX.  XXXX XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I contacted all creditors with my Medical Insurance information, for them to correct their billing and reporting error, also reported thus information to XXXX XXXX XXXX, all said it would be corrected and removed, due to billings clerical errors in not billing my insurance, for I 've never been without medical insurance. This is still on and hurting my credit so I can not improve my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian regarding a XXXX debt from the company affirm. I noticed this debt when checking my credit report. I informed Experian I was never associated with this company and this was identity theft. I proceeded to dispute this debt with Experian and also called XXXX to get details on the debt. I provided Experian and XXXX with a FTC identity theft and a police report. I was told by a representative from XXXX that the account was under investigation. On XX/XX/2022 I received notification from Experian that my dispute had been resolved and the XXXX debt would remain on my credit report. I was told to contact XXXX again regarding this matter. I contacted XXXX and I was told this account should have been removed from my credit report. Experian keeps reporting inaccurate information and refuses to rectify my issue. I was told that experian has not received any mail from me which I will attach to this.
Product: Mortgage

I AM A WIDOW SPOUSE IN XXXX LIFE ESTATE RIGHTS- MY HUSBAND WAS THE SOLE MORGAGEE AND WE WERE NOT IN DEFAULT. HE PASSED IN XX/XX/2018, SPS AND XXXX XXXX- GAVE AN OFFER TO THE EX-WIFE NON-MORGEE AN OFFER OF XXXX, FOR KEYS AND TITLE- BUT SHE WOULD HAVE TO REMOVE ME FROM MY HOME AND CHANGE MY LOCKS- I WE WERE NOT LATE ON THE MORTGAGE- WHAT SICKENS ME IS THIS WAS DONE THREE DAYS AFTER HE PASSED- AND I WAS SUBSEQUENTLY BURGALERIZED AND NOT GIVE A BREATH MOMENT TO GRIEVE- TOU HELPEN ME IN THE PAST- LAST YEAR i WAS LIED AFTER THEY SPOKE WITH YOU AND i THOUGHT FINALLY i AM GOING HOME- AS I HAD A BUSINESS I LOST AND AFTER WHAT I SAW IN MY HOME- IT WAS COMPLETELY DESTROYED- IT WAS A SAFTY HAZARD AN I VERSTED IN THE HOME AS - I HAVE A CONTRACT- PARTNERSHIP WITH THE LEASE FOR OUR BUSINESS OFFICE IN OUR HOME- I LOST MY CONTRACTI HAD AND HAD TO CLOSE MY BUSINESS- I WAS DEPRUVED THE RIGHT TO BE HEAR IN PROBATE EVEN AFTER I FILED FOR AN EMERGENCY HEARING- IN XXXX I NOTICE THE WIFE WAS HOLDING HERSELF OUT AS THE CURRENT SPOUSE- AS THESE CRIMINAL ACTS ARE HAPPENING WITH THE COURTS SUPPORT- AS i AM TRUSTING OUR JUDICIAL SYSTEM- I AM SO GROSSED OUT- AT THIS WHITE COLLAR CRIME- I FEEL I AM ALONE IN A WAR AGINST THEM IN COURT- FOR FRAUD AND A FORGERY DOCUMENT THAT WAS ENTERED INTO RECORD WITHOUT A DEATH CERT OR MARRIAGE LIC OR DIVORCE DECREE- AND TITLE FLIPPING AND FRAUD ON A GOVERNMENT RECORD-ENTERED TO DEPRIVE ME MY RIGHTS TO A LIFE ESTATE- I AM IN A BILL OF REVIEW IN PROBATE COURT AS IT TOOK 3 YEARS TO BE HEARD- AND WHEN I WAS - AND PRESENTED THE INFORMATION OF FRAUD AND FORGERY- THIS JUDGE CLOSED THE ADMINISTRATION AND DID PREMATURLY- TO AVOIDE A REQUEST FOR INJUNCTIVE RELIEF- AND I NEED HELP FROM THE ATTORNEY GENERAL TO DO A WRIT OF ATTACHMENT- AND RESTORE MY LIFE I LOST OVER THIS CRIMINAL ACT AGAINST ME-I AM IN A PIT OF COMPLETE MENTAL AND EMOTIONAL ANGUISH- I HAVE TO ASK MYSELF AM I IN AMERICA? I THINK ANYTHING YOU ASK OR SAY WILL BE THE SAME LIES THEY FEED YOU TO FEED ME- SHE NEEDS TO TRANSFER THE TITLE= WELL IF THE JUDGE LIFTS THE COURT ORDER WHERE IT SHOWS I AM AM GIVING MY RIGHTS UP TO FORCLOSURE? AS NO JOINDER SIGNATURE- SO BECAUSE OF THAT NO TITLE FLIPPING - SO THE CREATED A FRAUD FORDGERY DOC TO TRANSFER- IT STILL WONT WORK AS I NEED TO GIVE UP MY RIGHTS ON A JOINDER = DIFE THE DECEPTIVELY AND FRAUDULENTLY SIGN MY NAME- AS I NEVER DID AND THE INSTRUMENT ENTERED INTO RECORDS SHOWS AN ORDER- BUT NO SIGNATURE FROM ME? HOW CAN THAT BE DOWN? MAINLY WHY IS IT NOT INVESTIGATED AND CAIGHT? THEY NEED TO DEDUCT- AND RETURN MY HOME- ALL MY CARS AND ALL I OWN- AND I DEMAND RELIEF AND I READ ONLY THE ATTORNEY GENERAL CAN ENTER A WRIT OF ATTACHMENT CLAIM AND REQUEST INJUDTIVE RELIEF- WHY IS IT FOUR YEARS AND I AM STILL FIGHT BY MUSELF- ON A MTTER SO GROSS TO KNOW ITS IN OUR COURT HOUSE NOW? AND WHAT A BIG PUBLIC CONCERN- WOW
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has left a fraudulent Hard Inquiry on my personal file from Citibank XXXX, that I did not authorize nor do I have any accounts or relationships with, I also contacted Citibank and they have incorrect info on me, neither is deleting and are not in full compliance with federal credit fair reporting compliance
Product: Checking or savings account

When I used overdraft, I was limited time to pay before they closed my account permanently each time I used it. I dont think I was giving a fair chance to repay without going into debt even more! Then when I tried resolving the fees over time they said I couldnt do it. They wanted it to be paid all at once before the 30 days was up! That was shocking to me because Ive had overdraft at other banks and credit unions and I was able to pay back periodically if need be. Long story short, they closed my accounts and said I couldnt rejoin but I need to pay the balance.
Product: Debt collection

The debt collection agency is name XXXX XXXX XXXX, who also hired another company name Weber & Olcese , PLC. The companies are trying to collect money from me for a account with XXXX XXXX XXXX XXXX which I do not have. The collection companies can not and have not provided me with documentation of this account. I contacted XXXX XXXX XXXX XXXX about this matter, which I am a current customer and have been for awhile and was told I have no past due or a old account with them. The collection company has sent me court papers trying to collect money from bank accounts and other means. They also sent me a thing full of papers asking for copies of private information that I am not going to send them. I have contacted this company a few times about this matter and still yet havent been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts never belong to me or any transactions made by me. I am requesting to remove account with balance 0 which are not mine as soon as possible.

a ) Block. Except as otherwise provided in this section, a consumer reporting agency 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 by such agency of ( 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. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.
Product: Debt collection

XX/XX/XXXX I had a XXXX Bankruptcy this was done by a professional Bankruptcy Attorney. In this Bankruptcy the XXXX XXXX account was XXXX by the grantor and closed in XXXX. 9 years later I get a letter from Specialized Loan Servicing that they are the XXXX loan '' servicer and was transferred XX/XX/XXXX, and that Specialized Loan Servicing center would be collecting 'my payments '' going forward. This is illegal. 
The account was XXXX and closed in XXXX. Now, 3 years later they have added significant interest and now state we owe them over XXXX and says it does not include their attorney fees and other cost. They are trying to foreclose on our home. 
SLS can not collect on a debt that has been closed by grantor and XXXX in my Bankruptcy. XXXX provided me a " Promissory Note '', with only XXXX signature and no date, there were XXXX borrowers, for paperwork purposes, however I feel it is not valid and not a legal document. 
Predatory tricks, vague letters and falls claims. I am protected by the Fair Debt Collection XXXX which prohibits XXXX from trying to collect in anyway on an account that was dismissed in Bankruptcy.
Product: Bank account or service

This happened to us. They opened XXXX accounts for us that we did n't want, and told us that we had to have them .... We are XXXX and wondered all along. Then a year later I went in to the bank and told them we did n't want the accounts. They did n't get rid of them for us, we went back to XXXX, we still had them, and {$200.00} dollars plus later in fees, we still had the accounts. I finally made a big scene in the bank with the manager, and 2 tries later, and each time I went in it was at least an hour with her, and a long wait before seeing her to get rid of these extra accounts. I wanted a full refund and she would only give us back 1/2 of the fees they had deducted. They even transferred money from our other account into these accounts to pay the fees and charged us overdraft protection cost to do that. It was so upsetting! We are one of those customers that they did this to. XXXX XXXX at Wells Fargo in XXXX Arizona is the bank manager. We want something to be done about this.. Thanks for listening. We are XXXX and feel like we have been taken advantage of in the American banking system. Thanks for listening.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th Complaint that I was the victim of identity theft. I called TransUnion and XXXX after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Names : XXXX XXXX XXXX, XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud accounts on my credit report all this time. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 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.
Product: Credit card or prepaid card

They reduced my credit limit by {$7000.00} when I was about to use it, of course. They refuse to tell me why and only refer me to a letter that has been supposedly sent, but never received. So I can't get any information as to why and there was not a notice received by me. 

In addition, after I chatted with someone named XXXX, who refused to answer why the limit was reduced, I gave her a poor survey and suddenly I'm locked out of my online account.
Product: Credit card

Applied for and received credit account approval from Capital One Financial Corporation, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX on XX/XX/year>. Online app account was created on XX/XX/year>. On XX/XX/year>, received email stating that credit card had been shipped. Additionally, the email contained the text " Track your card shipment in the Capital One Mobile app. You can use the app to manage your account online, anytime. '' A portion of this statement is a hyperlink to the XXXX XXXX XXXX XXXX It does NOT open an already-installed app and advance it to any kind of 'tracking ' screen. The reason it does not do this is because the statement in the email is fraudulent and appears to be solely intended to induce customers to install the app and link it to their accounts. Indeed, after numerous phone calls to Capital One customer service, it was confirmed that cards are sent out via standard USPS mail with no tracking capability. 

Additionally, anticipating that the business would allow for 'virtual card ' activation, in anticipation of the physical card arriving, the email states " Access your virtual card* Your virtual card is ready in the mobile app. No need to wait for your card to arrivestart using it today. '' Upon opening opening the app, one finds the 'virtual card ' top and center. It only needs verification for activation. It offers a verification through text message. The attempt fails. It also offers government-issued ID for verification. Submission of images also fails. Indeed, calls to customer service confirm that the 'virtual card ' can not be activated until the physical card is received. 

The asterisk in the statement is notated in the subtext with " Some customers will not be eligible to access a virtual card. If you are eligible, you must verify your identity before accessing your virtual card. '' Capital One makes no mention of who 'Some ' customers are or the criteria by which eligibility is reached.
Product: Checking or savings account

I have a checking account with Juno Finance. On XX/XX/2024, I received an email from Juno reporting that its banking services are temporarily unavailable due to issues with their banking service provider XXXX XXXX XXXX XXXX and their brokerage partner XXXX XXXX 
I have {$2700.00} on deposit with Juno. As a result of this service disruption, I am unable to withdrawl any of my money. 
Additionally, I use Juno Finance with several creditors ( Mortgage, utilities, life insurance, etc. ) to auto-pay my monthly bills. I can't pay my bills with my money frozen with Juno. 
To make matters worse, the day after reporting that its banking services are unavailable, Juno announced that it wil no longer pay interest on checking accounts. 
How can a bank prevent people from withdrawing their own money and discontinue paying interest on the money that they have frozen? 
What good is FDIC insurance if I can't access my money?