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

I have contacted you due to an issue with Capital One Bank. For two days they have frozen my savings and checking account due to fraud. I have gone to my local branch and provided information and identification that let them know there was no fraud. However, they refuse to release my accounts and allow me access to my funds. Ive been told that i have to talk to a certain person at a certain number, and have made NUMEROUS attempts to do so ; even spending as much as 5 hours at a time on hold. To date, I have spent a total of 10 hours on hold, and two hours in a branch, talking to XXXX. Absolutely NOBODY will help me. They have taken my accounts hostage, are refusing access to ANY money to me, will not talk to me, and have left me with no recourse to have access to one penny, even with proof of no fraud. I desperately need help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been victim of identity theft, accounts had been opened in my name, this is a written request to block this accounts from my credit report in accordace with FCRA, fraudulent information should be block from consumer credit file. 
XXXX police report # XXXX is attached.
Product: Money transfer, virtual currency, or money service

Ive deposited a large sum of money into my cashapp account to send to family who are struggling during this pandemic. I then tried to send some money to a family member and it stated my account has been temporarily locked for 24 hours. The next day I tried to withdraw my money and it stated my account is still frozen. I then proceeded to email them in order to find out whats going on. I got no response. The next day I then tried and it still stated my account is frozen. Mind you its the third day I have family who needs me. I tried withdrawing my funds because its big money I cant loose this money. And I got the same message. I emailed them some more and got nothing back. So I sent a complaint with consumer finance and the next day XXXX today ) cashapp unlocked my account. Finally..well it dont stop there. I tried to link my card to my cashapp account in order to directly deposit my funds since cash app made me frustrated. And they wouldnt let me. I tried multiple cards and nothing. I went back to the atm to try and withdraw and it kept saying I have no funds. How do I have no funds if I see it in my cash app balance? Its like the money is a ghost. On top of that they sent me an email stating my account is about to be deleted and to withdraw my funds. But how? If they wont let me. They are just trying to steal my money.
Product: Credit card or prepaid card

This company is currently showing 30 days late for the month of XXXX XXXX, 60 days late for the month of XX/XX/, and 90 days late for the month of XX/XX/ as reported in 3 Credit Bureaus. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/year>. I fell victim to two multi-layered scam operations run by XXXX XXXX XXXXXXXX XXXX XXXXXXXX which involved me making deposits for a total amount of XXXX USD from my Chase account to fraudulent investment firm.
Product: Checking or savings account

1. On XX/XX/XXXX, I deposited a check for US {$8200.00} from XXXX into my savings account. 
2. Check was drawn on XXXX XXXX XXXX. It was issued by XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX, XXXX. 
3. On XX/XX/XXXX, our savings account ( XXXX ) with Capital One Bank, XXXX, VA, was credited with US {$8100.00}. Please note that US {$62.00} were deducted.

4. I talked to Capital One Bank Branch Manager in XXXX and their customer support department representatives several times. Spent hours on telephone holds and got no answer as to why us {$62.00} were deducted and by whom.

5. Sent a written complaint on XX/XX/XXXX. Received a response, dated XX/XX/XXXX, stating, " ..payment dispute was not a result of a Capital One error. '' 6. Called to seek understanding several times. Wasted hours on telephone holds and no answers.

To date I have no answer from Capital one Bank as to by who and why US {$62.00} were deducted? 


XXXX XXXX XXXX ( XXXX ) XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is in violation of my rights of And has failed to provide details of their reinvestigation
Product: Credit reporting or other personal consumer reports

I was recently reviewing my credit report and noticed that there are names on my account that do not belong to me or unknown. XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. I demand these be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint to urge the Credit Bureaus to correct and updtae the disputed accounts from my Credit Report. I am submitting this compkaint addressed to the Credit Bureaus in response to their current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix : XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX** Balance Owed : {$2000.00} XXXXXXXX XXXXXXXX XXXX Balance Owed : {$1500.00}
Product: Debt collection

Subject : Dispute of Account - Identity Theft Dear Department of Education/NelNet , I am writing to inform you that the following account does not belong to me and was opened fraudulently using my personal information : XXXX XXXX XXXX XXXX I am a victim of identity theft. I did not authorize the opening of this account, nor have I made any charges or received any benefits from it. I have already filed a police report regarding this matter, and I am also reporting this incident to the Federal Trade Commission ( FTC ) at IdentityTheft.gov. 

I request that you immediately investigate this fraudulent account and close it. Please provide me with documentation confirming the closure of the account and verifying that I am not responsible for any charges or debts associated with it. I would also appreciate it if you could provide me with any information you have regarding the individual ( s ) who opened this account in my name. 

I have enclosed copies of the following documents to support my claim : Copy of Police Report Copy of FTC Report Copy of Identification : Driver 's License, Please be aware that under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputed accounts and correct any inaccuracies. I expect your prompt attention to this matter. 

Thank you for your time and cooperation. I look forward to your response within 30 days.
Product: Credit card or prepaid card

I called chase in order to get a credit limit increase on both of my cards, one ending in XXXX and the other ending in XXXX. 

The representative pulled my credit TWICE and told me I was approved for a credit limit increase of XXXX in my card ending in XXXX and XXXX in my card ending in XXXX. 

Upon checking a week later my credit limit was not increased to what was I was told over the phone by the customer service rep. 

I called back and spoke with a representative who told me he would have a manager pull the call and listen and get back to me within 7 days. ( I also have the call recorded so I know exactly what was said to me ) Its been over 2 weeks and I never heard back so I called AGAIN on XX/XX/2021 and spoke with a representative who told me and I quote " I can see that the credit limit increase should have been XXXX and XXXX I am not sure what oversight happened that this is not reflecting '' This rep proceeded to put me on hold to go ahead and reach out to a " supervisor '' Upon speaking with said " supervisor '' XXXX proceeded to lie to me over and over again. Giving me false information to suite his agenda and proceeded to tell me that I should run my credit again. How unprofessional, if it was not for the CFPB having the backs of consumers people like this supervisor XXXX will continue to walk all over consumers. I now have 2 inquires on my credit right now and the credit limit I was told I would have is not shown.
Product: Credit reporting or other personal consumer reports

Complaint Narrative : I am submitting this complaint due to persistent failures by Experian, XXXX, and XXXX to address inaccuracies related to identity theft on my credit report. Despite filing an FTC Identity Theft Affidavit and a police report ( XXXX XXXX. XXXX ), the bureaus continue to report fraudulent accounts associated with unauthorized name and address variations that are not legally representative of me. 

I requested a detailed method of verification for each disputed item, as required under FCRA 15 U.S.C. 1681i, but was only provided with vague responses, indicating verification through unspecified third parties. I have reason to believe these third parties are not properly validating the information, as several third-party data vendors have already been frozen and opted out. 

The accounts in question have either been verified inaccurately or lack any substantiation. The continued reporting of these items, given my submitted identity theft documentation, violates the FCRAs mandates on accuracy and verification. I request immed

iate action for : 1. Removal of all accounts associated with unauthorized name variations or mismatched personal identifiers. 2. A full disclosure of the vendors and third-party entities us
ed in the verification process.

3. Legal assurances that these inaccurate items will not reappear on my credit file.

I trust the FTC and CFPB will thoroughly investigate this matter to hold Experian and related bureaus accountable for compliance with federal regulations.
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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

As of today XX/XX/year>. I herby declare i am unaware of this debt. According to 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. I did not have an opportunity. I did not recieve any letter or notification from this company within the 5 days of this account being opened. I did not have an opportunity to address the alleged debt prior to this company billing me for it and placing the account along with its experiences on my credit report. If in fact you believe you gave me proper notification, which would give you legal right to assume the debt belongs to me due to unresponsiveness, please send me the ORIGINAL DOCUMENT containing the CERTIFIED RECIPT WITH THE DATE, MY NAME AND SIGNATURE PROVING I RECIEVED IT AND WAS MADE AWARE WITHIN THE PROPER TIME FRAME. ALSO, according to 15 U.S. Code 1681b ( a ) ( 2 ) for Permissible purposes of consumer reports A consumer reporting agency may only furnish my information to a third party or affiliate company unless it is for a court case or In accordance with the written instructions of the consumer to whom it relates. Please also furnish the ORIGINAL DOCUMENT OF WRITTEN INSTRUCTIONS THAT I GAVE YOUR COMPANY PERMISSION to report this ALLEGED DEBT to a third party without my consent and other affiliates with whom i have no business. THIS LETTER SHOULD ALSO HAVE MY SIGNATURE PROVING IT WAS ME AND I GAVE WRITTEN INSTRUCTION AND AUTHORIZATION TO DO SO. You have 30 days from the date of this notice and complaint through the CFPB to furnish the document of me giving your company written consent/instructions to furnish my information to others without my consent and to provide proof via green certified mail receipt, containing my signature, proving that i was made aware of this alleged debt within the 5 days of its inception. Also please provide the Original Promissory note proving i owe this alleged debt and provide the original instrument of indebtness.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against TransUnion Credit Bureau regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XXXX I discovered discrepancies in the following account 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  Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, TransUnion Credit Bureau has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit card

My personal information has been used by someone else who has recently purchased a Capital One Credit card under my name, using my information as well as making purchases way beyond what I would spend. Purchases maxing out up to almost {$700.00}
Product: Debt collection

XXXX sent my bill to multiple collection agencies. I paid the XXXX that contacted me, but now XXXX of the other agencies is still reporting the debt as a charge-off or unpaid balance on my credit report. I have submitted a claim to both the reporting agencies and the collection service that is reporting it, and all have basically come back and said that I owe the money anyway, despite having sent the receipt for my payment to the other collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine but is reflecting on my credit reports. 

XXXX XXXX  Acct # : XXXX Opened : XX/XX/XXXX Amount : {$100.00} XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$25000.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX and XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Hard inquiries On my credit file that I did not authorize. 
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 reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was defrauded of between {$75000.00} to {$90000.00} over the space of 2 months by an apparent corrupt employee of XXXX. On several dates in XX/XX/year> through XX/XX/year> in a successful attempt to confuse me, the male employee transferred money back and forth between my XXXX XXXX account, XXXX XXXX. and XXXX XXXX accounts. The individual told me it was illegal to discuss with anyone that my identity had been stolen, when asked for a badge number the individual said he was a certified identity theft technician, certified by XXXX. The individual said that they counted XXXX red flags of attempts to access my retirement accounts and that to protect my funds XXXX was setting up an account to transfer my funds into. I have opened complaints with XXXX XXXX Arizona XXXX department, I have report at XXXX, I filed a complaint with the FBI, I have a Coinbase Case number, I have opened cases with Arizona Attorney General, Arizona XXXX XXXX, Az XXXX of insurance and financial institutions, I have spoke with a lawyer, a friend questions me about why I wanted to sell my gold and I realized that I was being scammed, I sold him my gold anyway and he caused the issuance a cashier 's check which I deposited into my XXXX XXXX account, I had recently opened an account at BMO Bank and requested a {$60000.00} check be issued from XXXX XXXX. When I received the {$60000.00} dollar check I deposited it in BMO Bank. The Back Office Team declared the check to be fraudulent. I had recently written checks in the amount of approximately {$20000.00} to the Tax departments of Arizona, New Mexico and the IRS. ( I have paid electronically via transfers and credit card all the money owed to the Tax departments rendering the checks moot prior to XX/XX/year>. The tellers started yelling at me that that was my fault, I said you know how XXXX corrupt this makes the financial industry appear. I was thrown out of the bank who had called corporate security. I was notified by XXXX XXXX XXXX department that they had been authorized to issue a check for {$41000.00} and that once BMO Bank lifted it's hold which it would do on XX/XX/year>, I would be able to request a check for the balance. After XX/XX/year> I tried again to get a check issued in the amount of the remaining balance at XXXX XXXX and close the accounts, I was told it was out of their hands and that I would never be paid the {$20000.00}. This unethical systematic abuse continues, as I have received a letter from XXXX XXXX stating that my accounts will closed on XX/XX/year> and the {$21000.00} balance will be seized. I have not received approximately {$1600.00} balance from XXXX Bank, nor have received my money from XXXX XXXX. I have supporting documents
Product: Credit reporting or other personal consumer reports

I have contacted the consumer reporting agency several times regarding fraudulent accounts that I did not open.. According to the fcra all information must be accurate. I have listed the accounts that needs to be removed. 

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

In accordance with the Fair Credit Reporting Act XXXX  account # 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 602A. States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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