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

Ive tried calling all three of the credit bureaus to update and correct my personal information only to get nowhere. It just feels like they do not care about the people anymore or care to help.
Product: Credit card or prepaid card

A charge was made on my credit card on XX/XX/XXXX for {$1000.00} for an XXXX XXXX XXXX XXXX. Due to the coronavirus it was cancelled and refunds were supposed to be sent out. This notification was made on XX/XX/XXXX that refunds were be charged back within 5 business days ( XXXX ). This is the last communication i received from the vendor and have been unable to get a hold of them since. I have attempted to call CapitalOne to dispute this charge numerous times after the five business days to no avail. I have waited for over 3 hours each time on hold. 

CapitalOne, unlike every other large card provide, does not provide online disputes nor an email to contact them. It is exclusively a call center and mail. I feel that a Company this size should have the technology to manage its customers. With living in XXXX County, TX, we are under a shelter in place order and can not go out to mail anything. While I am sheltering, I still have to work 70  hour+ a week from home.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Employer - NA Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX  XXXX Employer - XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXXXXXX XXXX  - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Debt collection

On XX/XX/XXXX, i was embedded to the ER because of a serious condition and stayed their for 4 days and have over a week in bed to recover. And at that time I have medicate from NY  but went to an ER in NJ and even though my insurance should have paid my bills, i found out that i have a collection from a bill from one of the providers that worked with the hospital, and it went to collection and when i called my insurance explained what happened and asked them why they have not paid the provider, they said that the provider did not give the right consent forms before working on you and also they waited longer than 180 days that they have to submit any ER visit, so i asked can I appeal it and they did and it got approved and they got paid. 
Now the bill i received was XXXX $ but when i got my letter that said they already paid them it showed the bill was XXXX $ but was to the hospital and i still have the bill on my credit report because they havent received the money and when i called the insurance they said that there was no bill that they recited from that provider nor any bills for XXXX , and they investigated to see what happened and found that that provider submitted multiple requested within 3 days and kept on sending it with different amount which all were more than XXXX , and right now the provider nor the collection that is working with that provider refuses to till me what happened and it affected my credit report a lot.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a detailed credit report with inaccurate information reported on my consumer credit report address XXXX XXXX XXXX Tx XXXX XX/XX/2021 on XXXX. XXXX XXXX XXXX Tx XXXX on XXXX and Equifax inaccurate. Date of XXXX on XXXX is inaccurate. My previous addresses ( XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2021 ) ( XXXX FM XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ) are inaccurate. Employer/Current employer XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX inaccurate. Also Known As reported as XXXX XXXX Inaccurate on XXXX. The companies XXXX Equifax and XXXX have violated my rights in accordance with FCRA U.S.C 1681 section 604 A section 2 states that a consumer reporting agency can not furnish and account or my personal information without my written or verbal instruction. As well as under, 15 USC 1681 SEC ( 623 ), 15 USC 1681 SEC 611 ( a ) my rights have been violated as such under 15 USC 1681n ( a ) ( 1 ). any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} shall be awarded per violation. I want {$1000.00} per violation for actual and statutory damages as well removal of account from my consumer credit report by all reporting bureaus and accounts associated with the inaccurate information.
Product: Credit reporting or other personal consumer reports

This complaint serves as formal notification that I previously requested validation and an explanation of the alleged debt that your company is reporting on my credit report. To date, you have failed to provide any such validation. 

In my research, I discovered that your companys franchise tax has ended, and as a result, your right to transact business or report any information to the credit bureaus is forfeited. According to state records, an inactive status means your company is not in good standing with the Secretary of State ( SOS ). Reporting this alleged debt while operating illegally constitutes a violation of my rights.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request and receive proper validation of this debt, including detailed proof of the alleged balance, creditor information, and your authority to collect. To date, I have not received this validation, and I do not believe this debt to be accurate. 

Due to your failure to validate the debt and your lack of legal standing to operate or report any information, I am demanding the immediate removal of this account ( Account # XXXX ) from all credit reporting agencies.
Product: Debt collection

Certified mail was received on XX/XX/2022 requesting validation of the debt. They responded with statements instead of the signed document. This has happened twice now a bill is not valadation of debt. Community bank and XXXX XXXX
Product: Checking or savings account

I went to the bank to make a withdrawal and found out that I had no money in my account on XXXX XXXX XXXX XXXX and it was not me. They did a report about it did my claims I lost my social, and they referred me to this website to report it for protection of my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrectly to Equifax and XXXX a collection in the amount of {$130000.00} on the XXXX XXXX partial account number XXXX. ( Please see pages 11 and 12 of the attached credit report. ) I have tried numerous times to obtain from XXXX documentation showing proof of this debt. I have not had any response nor have I received any documentation proving this debt belongs to me. This incorrect reporting of this collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number was affected in the XXXX  Breach. Since then Ive had all sorts of predatory loans popping up on all of my credit reports. 
I have disputed XXXX XXXX as an account which was not mine several times .With XXXX  XXXX XXXX XXXX , and Exeprian.

Each time I would dispute, the investigation would result in deletion of the account as XXXX XXXX is not able to verify. 
However, dispite XXXX XXXX  ability to verify, Here we are a year later and these agencies have allowed the company to reinsert the debt without validation, or the 60 notification I am legally required to recieve from XXXX. 

According to the fair credit protection act, if a consumer disputes an account, and the account is found to be inaccurate, and deleted, both the reporting company and the reporting agency must notify me in writing if the same company tries to re insert the debt after they failed to verify. I have never been notified by any of the violating agencies that this company intended to reinsert this debt after deletion. 

These Agencies, who are suppossed to protect the comsumers continue to fail me wtih their security breaches and lack of due diligence. 
Case in point is, all three agencies are claiming that their information is correct and verified, dispite the fact that they are reporting varying information All three agencies are reporting a different amount for the SAME account named XXXX XXXX ( South Carolina ) XXXX  reports the account balance at {$390.00} XXXX  {$300.00} Experian {$480.00} All three numbers can not be right, nor can all three agencies be correct, so in fact all of the agencies are reporting knowingly reporting inaccurate information. 
Specifically under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) for knowing violations of the Act, the per violation penalty will increase from {$3500.00} to {$3700.00}. 
To add insult to injury, if you call XXXX XXXX they will tell you that they no longer own the account, and that a 3rd party company ( not listed on the report ) does and they will give you a number to XXXX XXXX  When you call that company XXXX, they will tell you the account is closed as well.
Product: Consumer Loan

I keep getting calls for someone who used me as a reference on their auto loan and I do not know where they are or how to reach them and now I am receiving threatening phone calls
Product: Credit reporting or other personal consumer reports

After the information breach I have received inquiries and other late payments on my credit report as a result. My bank accounts/2 have been compromised. Because of this the payments have not processed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts 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 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, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-COLLECTION- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$1100.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX today date is XX/XX/XXXX My Transunion File Number : XXXX My FTC Report Number Is XXXX My Police Report Number Is XXXX I'm Writing This Complaint Myself Because My personal Information recently found out i was involved identity theft and data breach my personal information was used and sold on the black market also my information was also in the XXXX data breach back in XXXX according to XXXX dark web surveillance report it all started back on or around XX/XX/XXXX when my debit card was stolen after a XXXX XXXX  sale at XXXX  in XXXX XXXX Fl my personal information including email and mailing addresses social security my driver 's license and even my phone number was hacked and taken over for 2 weeks 3 weeks and XXXX pin and password was change and taken over by hackers i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i don t have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all of my credit files Ive noticed that i have accounts listed or being reported on my credit file that which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also these accounts are not mine listed : XXXX XXXX {$390.00} Account number XXXX Account type Cell Phone XXXX XXXX XXXXXXXX {$8600.00} XXXX XXXX XXXX Also finding out that my personal infomatiion was used to open up loans, Apartments used for XXXX 's Cars etc Apartments Listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to formally submit a complaint against Capital One concerning two disputed transactions with XXXX The first dispute, Claim # XXXX, was initiated in XX/XX/XXXX, involving a transaction amounting to {$11000.00}. The second dispute, Claim # XXXX, was filed on XX/XX/XXXX, for an additional charge of {$4600.00}. Both claims were denied by Capital One, and I am deeply concerned about the lack of thorough investigation and proper resolution in both instances. 

In the initial dispute ( Claim # XXXX ), Capital One 's response was received within one day, leaving me with the impression that a comprehensive investigation had not taken place. Despite my attempts to pursue the matter further, subsequent communications were met with generic responses and an absence of supporting documentation. I took the initiative to contact Capital One 's investigation team via email on XX/XX/XXXX, but unfortunately, there was no response. 

Regrettably, the situation escalated when I discovered another charge from XXXX, this time amounting to {$4600.00}, and multiple denied charges due to the daily limit. Given the history of the dispute and the denied transactions, it is disconcerting that the bank did not identify this as suspicious activity, leading to another round of inconvenience for me. To address this, I closed my debit card and promptly initiated another dispute ( Claim # XXXX on XX/XX/XXXX ), referencing the previous claim and providing a detailed history of my interactions with XXXX 

Despite my efforts to highlight the recurring issues and emphasize the unauthorized nature of the transactions, Claim # XXXX was once again denied by Capital One, with the assertion that the transactions were authorized. I strongly believe that these denials reflect a failure on Capital One 's part to conduct a diligent review of the cases. 

I am seeking your assistance in investigating the handling of these disputes by Capital One and ensuring that a thorough and impartial examination is conducted. The apparent oversight in reviewing the transactions poses a serious concern, and I am hopeful that your intervention will facilitate a fair resolution. 

I appreciate your attention to this matter and look forward to a prompt and fair resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I identified some accounts on my credit reports that were unauthorized and I mailed Equifax all the necessary paperwork to have these accounts removed and Equifax has ignored my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not produced the documents needed to verify the lates on my mortagage. Ive asked for them for months ... they keep validating lates thats XXXX XXXX XXXX without telling me how nor showing proof...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that JPMCB CARD have placed an inquiry on my XXXX credit file dated XX/XX/2020. On multiple occasions I requested JPMCB CARD and XXXX to verify these inquiries. They have yet to do so.
Product: Credit card or prepaid card

I have had six contacts with US Bank XXXX XXXX credit cards to have my correct address match the address on convenience checks. I called my insurance agent for my car, affiliated with this company, He was unable to correct it nor, the party he recommended. This company refuses to read your address back after you have given it to them to make sure it is correct. My only solution is to refuse their mail ; however, they use standard ( cheap ) bulk mailing, so it is not sent back to the vendor. It is thrown in the local garbage.
Product: Student loan

On XX/XX/year>, student loan information was accessed by a non-employee of any federal government agency and disseminated to who knows who and was unauthorized. Unknown what this non-employee may have done to student loan information ; if digits added to total balance causing further distress and difficulty to my family in regards to future attempts to obtain credit.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681g, commonly referred to as the Fair Credit Reporting Act ( FCRA ), consumers have the right to request a full disclosure of the information held by credit reporting agencies about their credit history. Specifically, this section mandates that a consumer is entitled to receive a complete and accurate copy of their credit report upon request. In light of this, I am disputing the charge-off listed on my credit report from XXXX XXXX XXXX , as the information provided appears to be inaccurate or incomplete. According to the FCRA, all information on a consumer 's credit report must be accurate, verifiable, and reported in a timely manner. It is my contention that the charge-off in question is either erroneous or was not properly verified by the creditor before being reported. Given that I am entitled to a clear and accurate representation of my credit history, I request that the credit reporting agency investigate this matter in accordance with 1681i, which requires investigations to be conducted promptly and corrections made if necessary. If the charge-off can not be substantiated with appropriate documentation, I ask that it be removed from my credit report as required by the law. I am exercising my rights under the FCRA to ensure that my credit history remains fair and accurate.
Product: Checking or savings account

I filed my Taxes with XXXX XXXX. They gave me a temporary card where my taxes will be deposited to. I was giving a {$500.00} early tax money deposit as I wait a few weeks for the remaining of my taxes and a personalized card so as weeks went on checked for my card and never received a personalized card, so out of curiosity I checked the XXXX  app on XX/XX/2024 to see what was going on, to notice my {$2400.00} was deposited on XX/XX/2024 and my account missing all my money for that tax deposit I have never received a card till this day I filed a dispute with the company and just got a email saying Im at fault and there was no error and Im not getting my hard working text money back I have attached the fraud dispute forms they asked me to send to them with all the amounts XXXX {$400.00} XXXX {$300.00} XXXX {$300.00} XXXX {$500.00} XXXX {$400.00} XXXX {$340.00} XXXX {$4.00} XXXX {$78.00} XXXX {$6.00}
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting that I do not recognize, account names below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX 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

XXXX XXXX XXXX XXXX has reach out to me concerning a credit card collection .This is against my consumer rights. 
15 U.S.C. 1681 section 602 A. State 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 an account without my written instructions.

15 U.S.C. 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act and XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

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

15 U.S.C 166b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Debt collection

On XX/XX/2023, I received a notice from my job about a garnishment from a collection agency for an outstanding XXXX XXXX XXXX XXXX for an address I never lived at and for a single-family home I never own or rented either. The address that was used to file the complaint against me was an address I used to live at 7 years ago. I never received a notice to come to court to dispute this matter whatsoever. They are taking 10 % out of my check every two weeks. The collection is for {$1900.00}. So far, they have taken {$630.00} from me.
Product: Credit reporting or other personal consumer reports

At this point in time, XXXX, Equifax and XXXX are in violation of XXXX XXXX XXXX ( p ). I requested for unauthorized inquiries to be removed from my report. To my knowledge this information still remains on my report.