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

It has been a struggle, therefore I'm writing to ask you to remove the following bogus information from my file. The report includes a list of the items I need to eliminate. I am an identity theft victim and neither I nor the accounts were created. To fix my credit report, I request that the items be removed. I notified the Federal Trade Commission about the identity theft, and copies of the FTC 's Identity Theft Report are also provided. I hereby attest that I have not granted anyone access to my private or confidential records, and most definitely not to the allegedly inaccurate information that appears on my credit report. In accordance with FCRA Section 605b, I thus ask that you immediately delete these details from my credit record with your company. Kindly remove the following objects : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX , AR XXXX DEPT OF EDXXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXXXXXX Balance Owed : {$0.00} DEPT OF EDXXXX XXXX Balance Owed : {$0.00} DEPT OF EDXXXX XXXX Balance Owed : {$0.00} DEPT OF EDXXXX XXXXXXXX Balance Owed : {$0.00} DEPT OF EDXXXX XXXX Balance Owed : {$0.00} DEPT OF EDXXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXXXXXX Balance Owed : {$0.00} DEPT OF EDXXXXXXXX XXXXXXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXXXXXX Balance Owed : {$0.00} DEPT OF EDXXXX  XXXX Balance Owed : {$0.00} DEPT OF EDXXXX XXXXXXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX. Immediately have the disputed items removed from my credit file in accordance with Fair Credit Reporting Act section 605b.
Product: Checking or savings account

On XX/XX/XXXX I deposited a check into chase bank at a teller, the teller let me know the funds wouldnt be available until XX/XX/XXXXXXXX XXXX XXXX  I was fine with that, on XX/XX/XXXX the added the funds to my account I made a withdrawal of {$500.00} at chase bank atm. I tried to log in my account it said chase locked the account after several calls they told me that my father in law whose name is on the check had to do a phone verification. They then told me the phone number I gave them was a verifiable number and they would transfer me to do the verification the phone then hung up then I call back the other representative stated that the phone number is not verifiable so Im confused how they are telling me different things.i went to a bank branch on XX/XX/XXXX the manager then tells me they closed my account without any notice I asked for my funds back they refused
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I initiated an ACH transfer of funds in the amount of {$13000.00} from my brokerage account at XXXX to my joint savings account with my husband at Bank of America. After not receiving the funds in my Bank of America account, I discovered that I had entered a wrong digit on the Bank of America account number I provided. I called XXXX which attempted to recall the funds but the recall was unsuccessful. I'm told that as an industry rule, recalls are not honored if not within 5 days of the initial transaction. XXXX advised me to reach out to Bank of America directly. My husband and I spoke with a supervisor, XXXX XXXX ( XXXX ), who essentially advised there was nothing he or Bank of America could do to help us retrieve our own money. He refused to even advise if the wrong account number I had entered was a valid account, and could not articulate a reason why Bank of America could resolve this internally with its other customer who received our money in error. Each of the institutions we spoke with ( XXXX and Bank of America ) have advised after numerous back and forth calls that we need to resolve the matter directly with the other institution. Our money is being held XXXX by Bank of America, without any good faith effort to resolve or even suggest a solution.
Product: Credit reporting or other personal consumer reports

Dear To whom it may concern, I hope this message finds you well. I am writing to express concern regarding the investigation process that was conducted in relation to my recent request for the removal of negative and incorrect items from my credit report with Equifax. 

Upon reviewing the outcome of the investigation, it appears that a thorough and comprehensive analysis was not conducted. There are discrepancies on my report that I believe were not adequately addressed or validated. 

As a consumer, I am entitled to a fair and accurate representation of my credit history, and I kindly request that the investigation be reopened with a more detailed review of the supporting materials I have submitted. I believe this additional scrutiny will lead to the correct adjustments being made to my credit file. 

I appreciate your prompt attention to this matter and look forward to your assistance in ensuring that my credit report is corrected accordingly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX Feel free to adjust any details to better match your specific situation!
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information I will opt out of XXXX XXXX XXXX  disclosing my nonpublic personal information to nonaffiliated third-party unless I agreed in writing to the disclosure.
Product: Checking or savings account

I have a checking account with Navy Federal Credit Union. My account comes with a Debit card linked to my account. 
I have my card linked to my cashapp account. After which, i do not need my physical card to use cashapp. 
I was on the NFCU mobile app when i saw some cashapp charges that didn't look familiar. I immediately blocked my card and disputed the charges online. When i did that, there was a pending cashapp charge for {$2500.00} i was unable to add, and i had to call in to add to my claim ; which i did, and the Agent who spoke to me said the account will be monitored for 5 days. 
NFCU denied my claimed, saying there was no evidence of fraudulent activity. Meanwhile, my card was linked to 3 XXXX accounts and never flagged by my bank. No suspicious or warning alert when these charges were been debited from my account. 
I contacted the Merchant of the transactions, XXXXXXXX XXXX  support claimed my card was linked to 3 different XXXX  accounts. I only have one, and linked my card to my XXXX. Every XXXX account holders identity is verified, including mine ... so tracing how or who made the transfers shouldn't be hard. These charges happened even while i still had my card in my possession, and all the unauthorized transactions were all cashapp charges that do not require physical card once linked. The charges were supposed to have been flagged by my bank, said XXXX support. NFCU never sent me any alert or suspicious call ; you guys allowed the fraud to happen! I have written to NFCU to reinvestigate my claim. They never investigated it in the first place ; because if they did, they would have found that the names attached to the XXXX  transactions are not mine. Every XXXX transaction has a name attached to it, and that's not me.
Product: Credit card

I had a an Old Navy/Credit for several years prior to canceling it in the XXXX of 2016. The following is a time line of what happened since then : XXXX 2016 - I phoned Old Navy/Synchrony Bank and cancelled my credit card account. I then destroyed my card. 

XXXX 2016 - I received an invoice from Old Navy/Synchrony Bank with fraudulent charges in the amount of {$90.00}, which were charged to the cancelled credit card. I immediately phoned Old Navy/Synchrony Bank reported the fraud and the concern that I had cancelled the card over the winter and that there should have no longer been an account. Old Navy/Synchrony Bank confirmed the fraud would be reported and that the card would be immediately cancelled. I followed up this conversation by mailing a certified letter confirming the cancellation of this account. 

XXXX 2016 - I received written confirmation from Old Navy/Synchrony Bank that the fraud was being investigated. This confirmation was followed by the issuance of a NEW credit card, which I did not request?! I immediately returned, by certified mail, this card indicated it was not solicited and demanded that they DO NOT ISSUE me a new card. I then received a invoice for charging me the fraudulent fee of {$90.00}, plus {$25.00} late fee, plus {$2.00} in interest!?!? I phoned Old Navy/Synchrony Bank to inquire and Old Navy/Synchrony Bank advised to disregard the invoice at this time as investigation was on going. 

XXXX 2016 - I received written confirmation from Old Navy/Synchrony Bank that indeed the {$90.00} was found to be fraudulent and that all associated charges and fees would be credited to my account. One week later I received an invoice from Old Navy/Synchrony Bank crediting me the {$90.00}, but still charging me an additional month 's late charge and stating that I now owed them {$53.00} in related fees associated to the fraudulent charge made on a credit card which I several months prior cancelled. I immediately phoned Old Navy/Synchrony Bank and they advised that the statement and findings had not caught up to each other and that I did not owe anything. 

XXXX 2016 - I received a new invoice with an additional month 's interest and OldNavy Visa/SyncBank is claiming I owe them a total of {$80.00}, representing late fees and interest on a fraudulent charge incurred which I had closed several months prior to the fraudulent charge being made. 

I am unable to make telephone calls during business hours week. I have spent weekends, evenings, postage, time and energy in attempting to resolve this matter. I can no longer afford to do so and ask that you assist me in this matter.
Product: Credit reporting or other personal consumer reports

Recieved an alert that there were XXXX hard inqueries on my credit to open XXXX lines of credit. They were not done by me. I suspect fraud
Product: Debt collection

Synchrony Bank/JcPenny # XXXX ( PARTIAL ACCT NUMBER PER DOCUMENTATION ) Account was sold to attorneys at law XXXX XXXX XXXX, PA, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN. XXXX. I was never notified this account was sold to this lawyers office. XXXX threatened to sue, with filings in place with small claims court in XXXX, In. There was {$350.00} paid to this attorneys office for this account. I never intended a refusal to pay, however, this account was removed from my credit when sold and placed back on my credit once XXXX stopped trying to collect. i stated to representative at attorney office this account was never signed nor acknowledged going to their office. The {$350.00} was paid directly to the lawyer office per money orders. I was told the acount would be removed, however, its back on my credit and released back to original creditor, Synchrony bank c/o JcPenney Card Svcs.

I have reaced out to JCPenney and the original documentation could not be found.
Product: Checking or savings account

Hello, On XX/XX/XXXX, I transferred XXXX dollars from my bank account in XXXX XXXX XXXX XXXX to my Wells Fargo account. The money went through and was reflected on my account for 3 days. I issues a check to my landlord for the rent of XXXX dollars after my landlord claimed the check, the bank reversed my transfer and the money has not been seen since then. I have been talking to them and calling them since XX/XX/XXXX and have not received any notice or compensation. My account right now is negative and they are threatening to charge for having a negative balance due to no fault of my own. Wells Fargo lied to me saying that the fund had been taken out by me and that it was my credit union 's fault.
Product: Checking or savings account

PayPal withdrew money from my account erroneously and they are refusing to credit my account back. I spent hours on the phone with a rep. Every time I was transferred to a supervisor I was disconnected. It looks to me from my account activity that they put in a bad system fix ( I used to XXXX XXXX XXXX when I worked for XXXX   ). They are calling it a balance adjustment but it is theft. They wont help make this right and Ive spoken with several others with this exact problem. Some are speaking with attorneys but I thought that this bureau is just the place to make thus kind of a complaint known.
Product: Credit card

Capital One keeps denying me for a Credit Line Increase for a credit card i have had with them for several years. The reason behind it according to them is " We were unable to obtain your most recent monthly payment data from credit reporting agency '' I decided to check with the XXXX credit reporting agencies and all XXXX are reporting with no issues. I have never missed a payment with Capital One and my balance is less than {$500.00} on a {$2000.00} limit. I keep getting offers to open a new card with them on the mail but somehow they insist they can not get access to my payment data when I applied for a credit limit increase. I search online and it appears this is a game Capital One is playing with several customers to basically force them to open new credit accounts.
Product: Credit card or prepaid card

Capital One website is down the majority of the time. They push web access and online payments, but then 9 times out of 10 you ca n't log in, getting an error that they are having issues. A quick XXXX search always shows dozens of others complaining of the same thing. I want to be able to make my payments when I want to, not waiting days on end trying to log in. This is an underhanded way that they are just trying ( and succeeding ) to make more interest from customers. This has been going on for several months. Today XXXX/XXXX/XXXX is the last straw. Want to log in and make payments on all 3 cards and can not. From experience calling - yes, you can call and make a payment, but that takes forever to get someone and then they want to charge a fee!
Product: Debt collection

XXXX XXXX XXXX refuses to supply me a satisfactory letter saying my debt has been paid. However I did receive one from there law office In NJ. but this is not the letter that I am needing. I have been lied to hung up on an yelled at over the phone. This is not okay. If I do not receive this letter in a timely fashion I'm going to lose my hose. I have tried repeatedly to get the letter from XXXX XXXX XXXX not there law office. 
Again they refused to work with me. I need a letter from XXXX XXXX XXXX say the debt has been paid. Not from Lee shift pc XXXX XXXX XXXX!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 5 collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1500.00}, XXXX XXXX XXXX on XX/XX/XXXX with a balance of XXXX, XXXX XXXX on XX/XX/XXXX with a balance of {$790.00}, XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$810.00}, XXXX XXXX on XX/XX/XXXX with a balance of {$660.00} .These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned collections reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I alerted Citibank and my bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  about a fraudulent Citibank account that scammed me of {$21000.00}. I sent them all the information about the account with dates, name, routing/account numbers. They have promised to do a full investigation but have went silent to me and my bank. Banks such as Citibank are required by federal law and applicable regulations to know their customers and understand their banking activities and conduct. They failed. I have offered them plenty of time to conduct an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The mortgage company initiated a hard inquiry without authorization for a hard pull. I was advised by the agent that they remove the inquiry but still on my report. I called XXXX and XXXX but both refused to delete or remove the said inquiry from my credit. which is detrimental and damaging to my credit report. XXXX reported twice the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening ; I have noticed identity theft someone with my same name used my information to a company I never herd of and they have posted it in my credit report. I contact the credit XXXX XXXX and they hanged up on me many times after I sent a register letter letting them know that by law they were not supposed to put items that are not mine on my credit report and they have it there causing me to hurt my credit report and having negative item in there. I spoke to XXXX supervisor and she hanged up on me telling me that a company can damage my credit report and report something is not mine. I need help I have the proof that I have sent a letter to them asking them to provide me a signature or something that was done by me and they never sent me but they receive the letter I sent and they said they do not need to follow the federal law and they will investigate and not erase soemthing is not mine and I have called them and ask them to removed because is not mine and is XXXX in there. I am scare because I already had identy theft and they want me to give them more information so it gets leaked again. Please help me so XXXX can take those innacurate inquiries ( XXXX XX/XX/XXXX) ( XXXX  XXXX XXXX  XXXX  XXXX XXXX ) ( XXXX XXXX XX/XX/XXXX) ( XXXX XXXX ) that are hurting my credit score and I cant take a home because XXXX is refusing to remove information that are not mine. 


On EQUIFAX the inquiries are ( XXXX XXXX XXXX ) ( XX/XX/XXXXXXXX  XXXX ) that are also hurting my credit and those inquiries need to be removed because they are not mine.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the correction of inaccurate data on my credit report regarding late payments. It is crucial that these accounts are corrected to accurately reflect the payments and that any erroneous information is rectified promptly. 

Regarding the following accounts : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 

In cases where delinquency is reported, I insist that the payment date be appropriately reflected to cover the delinquent period. Any reported late payments was rectified by making a payment within a reasonable time-frame. Therefore, I expect the credit report to accurately represent the payments made, without any indication of missed or late payments. 

I have diligently met my financial obligations, and it is essential that my credit report reflects this accurately. The inaccurate reporting of late payments is not only misleading but also damaging to my creditworthiness.
Product: Money transfer, virtual currency, or money service

Paypal put a limitation on my account that i can't resolve. my visa card is already broke and i can't change it because i can't add othere card on paypal account cuz its limitid. its hard to resolve if i can't add other card on my paypal account my paypal email is : XXXX XXXX
Product: Debt collection

I did not apply for anything with this company I would like for this inquiry to be removed
Product: Credit card

On Wednesday, XX/XX/XXXX, I received a call from a Chase representative that someone tried to open a credit card in my name. They denied the application and called me. I checked my XXXX account to verify the accuracy of the claim. It was indeed. Working with XXXX, they removed the hard inquiry from my report.
Product: Debt collection

I do not have a debit with this company but it's listed as owning them in my credit report XXXX and XXXX and XXXX. I ask to remove the company like XXXX XXXX  and Jefferson Capital System from my credit report and it has not been done. Affecting my ability to apply for credit I never apply for credit especially from Jefferson Capital System
Product: Credit reporting or other personal consumer reports

My information was exposed in a date breach. Delinquent accounts are not mines.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX