23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX  I applied for a Capital One Platinum card requesting the maximum limit. I was forced to only apply for {$60000.00} as I was not able to apply for more because my application wouldn't process. I explained to the customer service agent XXXX who was present at the time of the in store application that this action was adverse and discriminatory against me. She said it was nothing she can do. 
As you made be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. 
Pursuant to 15 U.S Code 1691 ( C ) you assume civil liability pursuant to 15 U.S Code 1691 ( K ). Capital one has violated my federally protected consumer rights. 
1. 15 U.S Code 1642 2. 15 U.S Code 1681 M 3. 12 CFR 1002 upon my application being denied I was told by the Capital One employee XXXX that I would received a letter in 7 to 10 business days explaining the reason for the denial. I have not received that letter as of yet although 7 to 10 business days have passed. I also received an electronic notice ( see attachment ) reiterating that I would receive a letter in 7 to 10 days which i did not. 
This is booth evidence and proof that I have been discriminated against, Capital One Is also criminally liable and should resort to reasonable procedures to rectify this affair and compensate me for this use of my security, otherwise this would be security fraud since I have no BENEFIT. 

according the capital prospectus : 1. We have not, and the underwriters have not, authorized any other person to provide you with information different from, or in addition to, that contained in or incorporated by reference in this prospectus supplement ( including any related free writing prospectus prepared by us or on our behalf, if any ) and the accompanying prospectus. We and the underwriters take no responsibility for, and can provide no assurance as to the reliability of, any other information that others may give you. We are not, and the underwriters are not, making an offer to sell the notes in any jurisdiction where the offer or sale is not permitted. You should assume that the information appearing in this prospectus supplement ( including any related free writing prospectus prepared by us or on our behalf, if any ), the accompanying prospectus and the documents incorporated by reference herein and therein, is accurate only as of their respective dates. Our business, financial condition, results of operations and prospects may have changed since those dates. 
2.This preliminary prospectus supplement and the accompanying prospectus are not an offer to sell these securities, and are not soliciting an offer to buy these securities, in any jurisdiction where the offer or sale is not permitted. 

Since they are taken said position as to guarantee not to sell my security or make no offer to buy my security they have admitted to financial fraud in the act denying me my security.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account! This has been on my report since XX/XX/1997! It should have legal been removed after seven years. They keep changing dates to keep this in accurate information on my credit report
Product: Credit reporting or other personal consumer reports

There fraudulent accounts that have appeared on my credit report, which I believe are the result of the XXXX data breach and unauthorized use of my personal information. These accounts were opened without my consent, and I am requesting their immediate removal from my credit file. The fraudulent accounts include : Eastern Account System {$620.00} XXXXXXXX XXXX {$870.00} XXXX Funding {$640.00} XXXX XXXX XXXX {$280.00} Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), credit reporting agencies are required to ensure the accuracy of consumer information and investigate disputes promptly. These accounts were not opened or authorized by me, and their presence on my credit report is causing undue harm to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity.
Product: Money transfer, virtual currency, or money service

My coworkers XXXX account was hacked and I got a message asking to send money. My coworkers name is XXXX. She said she has reached her daily spending limit but needs to urgently send money to XXXX XXXX. She asked me to send it to her directly and she'll pay me back the next day. Since I see her everyday I didn't think anything about it. She sent me XXXXXXXX XXXX XXXX account ( XXXX ). As soon as I sent the money, my XXXX, XXXX and XXXX got hacked. I never recovered my XXXX and had to completely deactivate it. I have had to change my passwords for everything, change phone and bank account numbers. I have filed a police complaint and my bank has identified XXXX as a Chase customer and yet Chase won't help. My friend confirmed the next day that her XXXX was hacked and she never sent the message as she was never able to get into her XXXX. 4 of her friends got scammed. This person went after my friends on my XXXX account as well. Please help. My bank advised me to call Chase and ask them for help since I've filed a police complaint. However, when I called Chase, they won't even listen to me. They said they need to protect their consumer 's interests and won't deal with me at all. I got scammed Monday night, XX/XX/21. I sent a total of {$440.00} to this person who hacked into my friend 's account. I even called XXXX and reported this. They said they would deactivate this person and report this to the bank and credit bereau but hours later I was still getting messages from my friend that this person was impersonating her and messaging her friends asking for money using the same name and account so I was obviously lied to. Chase won't even give me my money back. When I called Chase, I also came to know of an account that I never created with them. Please help me get my money back. The police case number is XXXX. 

With many thanks, XXXX XXXX
Product: Credit card or prepaid card

I, XXXX XXXX, from XX/XX/2020 through XX/XX/2020, was denied a fraud claim in the amount of {$930.00}, from American express serve after a scammer contacted me asking for my information to submit my stimulus check. I notified American express serve and they denied it immediately. I have no funds for my children and I and I have taken the proper steps to endure this foes not occur again I also requested my account closure due to me not feeling safe being their client. American express denied my claim and closed my account stating I violated terms since I requested closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Experian/XXXX  XXXX and XXXX  to have my personal information updated that is current and to have all past employment information removed from my credit and all names that is not spelled correctly like on my birth certificate and all past addresses that does reflect my current residence thats is shown on my state drivers license XXXX/XXXX XXXX/ XXXX XXXX- inq XX/XX/XXXX XXXX main inq-XX/XX/XXXX XXXX/XXXX- inq XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-inq XXXX XXXX XXXX XXXX XXXX- inq XXXX XXXX XXXX XXXX XXXX -inq XX/XX/XXXX These are some of the companies that ran my information without my permission
Product: Debt collection

A few days ago XXXX XXXX XXXX  put a account on my credit report and I was never giving any physical notification in writing pertaining this alleged debt or notification for the attempt to collect this debt that is a violation. No information given regarding account. Violates federal 15 USC 1692g ( a ) and 15 USC Section 1681. I never authorized or given permission for this to be reporting. This account had already been removed from my credit report once because it was a fraudulent account. This is a violation of 15usc 1692 ( a ) this is harassment and they are hurting my credit reputation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX  XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me two 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX, TransUnion, and XXXX XXXXXXXX XXXX XXXXXXXX XXXX with no successful resolution. XXXX XXXX and TransUnion reporting me 30 days late in XX/XX/XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.
Product: Checking or savings account

In XX/XX/year> my debit cards information was skimmed and someone started using it. I did not know this was happening until the beginning of XX/XX/year>. I went on vacation to XXXX in XX/XX/year>. While I was away my home was broken into and they took my cell phone, my wallet and other valuable out of my safe. When I got back home I noticed it was all missing and my accounts were completely drained and left negative. I called Wells Fargo and started the dispute process for more than XXXX transactions on XX/XX/year>. This is also where I learned of the transaction that started in XXXX. Wells Fargo denied my claim a mere few days later and sent me a letter stating that it was and their was not unauthorized transactions made. I called them immediately upon finding this out and told them Id like it reopened. They said I needed to give them proof that I was out of the country and proof that my phone was stolen and a police report and they told me I needed to email it to them in pdf format. I got the XXXX claim number for my replacement phone, the police report number and a copy of the visa I was issued and emailed it to them as they requested on XX/XX/year>. They assured me that it would only take XXXX hours at the most to review the proof that I send them and that my case would be reopened and I would get a provisional credit while they investigate it. On XX/XX/XXXX I had absolutely nothing from them yet so I called them again and they assured me that I would have my credit by the end of their business day, XX/XX/year> because that is how long they have until they have to give it to me. ( As she said it ) I told the lady I was talking to that I would like her to record my next words in her notes for all the workers to see and she said okay and that the phone call was recorded but for me to continue. I went on by saying that if my claim was not resolved in my favor and my money that was stolen from me returned by the date and time she just gave me ( XXXX, XXXX ) that I would be filing a complaint with the XXXX and the CFPB. I have waited and waited and even gave them a few extra days just to give them the benefit of the doubt and now XXXX tired of waiting and feel like XXXX being pushed around. I want my money returned to me. Every single cent including the overdraft fees I shouldnt have been charged!! I have included screenshots of the emails I sent them with the proof they wanted!
Product: Debt collection

MY IDENTITY WAS STOLN AND I DO NOT KNOW OF THAT DEBT AT ALL. IT WAS TWO DEBTS WHICH IS FROM ARS FOR {$800.00} AND XXXX FOR {$640.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts about their accuracy the reported payment history of this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX Date Opened XX/XX/2017 Balance : {$12000.00}
Product: Debt collection

I've received repeated robo calls from this company on XXXX area code numbers every day for the past week. I answered a call this week to find out the person at the agency was looking for a XXXX male, can't remember the name she asked for. I told her she had the wrong number and to stop calling my number. She promised to take me off the list but apparently hasn't. I've received calls from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX & XXXX today. The next day I got another call this time from someone claiming to look for me. They always attempt to argue the point rather than follow the law. The woman swore she " knew '' the law but really doesn't. I repeatedly asked her if she understood that she had to notify me first in writing, so I would know what the call was about. She never answered. I reminded her the law states NO robo calling without written notification first. These rough house collection agencies keep breaking the law repeatedly by making repeated and harassing robo calls rather than sending written notification with contact information, prior to making sporadic all day harassing robo calls with no messages left. The only thing they're doing is XXXX me off and forcing me to look for attorneys to sue them! I've blocked every number they've called me from and will continue to do so! I got another robo call from someone named XXXX at XXXX a few minutes ago, asking for XXXX XXXX, that's the 2nd time they've contacted me for a male XXXX who I don't know! I told XXXX if they call me again I'll file suit! She hung up on me but you can bet they'll call again! I want them to! Just so I can sue them and make an example out of them!
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This agency has been submitting and reporting false information unknown to me.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 
Account name : XXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried getting my issue resolved with with no help! XXXX is reporting false and illegal information on my credit report.
Product: Credit reporting or other personal consumer reports

While attempting to get a home loan, I was notified that there are XXXX student loans totaling roughly {$100000.00} each. However, this is a dupliacte. I only have XXXX federal student loan totaling roughly {$100000.00} serviced through XXXX. I need this updated as soon as possible. The former loan servicer was XXXX. Thank you!
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORT ACT XXXX XXXX XXXXXXXX XXXX ACCT : 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
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & # XXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian report file that was never late. XXXX XXXX ACCT : XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution procer was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$540.00} XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00}
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on EXPRESS COLLECTIONS IN XXXX Balance {$3000.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted countless claims against XXXX XXXX because they threatened me with foreclosure when I have never been late on my mortgage. 
In this complaints attached documents, I have shown my complete payment history that proves I have never been late on my mortgage. 
I even have a letter from XXXX stating that I was not late on my mortgage attached to this complaint. 
Currently, XXXX  is once again showing a 90 day late for XXXX. All three credit bureaus are not reporting that I am making my payments. XXXX  does not show any of my payment history for over a year. 
I am trying to buy a home, and this inaccurate information is hurting my credit score, and preventing me from being able to buy a home. 
Lastly, XXXX increased my mortgage payment by {$75.00} for no reason. They did not provide a reason for increasing my mortgage payment.
Product: Credit reporting or other personal consumer reports

These accounts do not belong to me. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$720.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX BALANCE {$690.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX {$50.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$480.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX BALANCE {$460.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$880.00} XXXX XXXX XXXX XXXX XXXX  XXXX BALANCE {$590.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX  BALANCE {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$0.00}