23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1XX/XX/XXXX2XX/XX/XXXX 3. XXXX XXXX XXXX 4. XXXXXX/XX/XXXX XXXX XXXX 5. XXXX XXXX XXXX
Product: Checking or savings account

I keep getting harassed by Capital One. I got a ppp loan back in XXXX and at the time I was an employee of Capital One. Capital One along with Legal, Associate Relations, and Ethics and Compliance did a thorough investigation of my account records and determined that a ) I wasn't money laundering and b ) my PPP loan wasn't fraud. 
Then in XXXX Capital One placed a hold on my acct for the PPP loan which caused my acct to go into the negative. I spoke with someone who verified that an investigation was completed with Ethics and that she could remove the hold. 
Now in XXXX Capital One is calling me again about the PPP loan asking for the same documentation that was provided and telling me that they will place a hold on my acct and stop all debits.

Capital One is harassing me and creating unnecessary stress. 
XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

someone fraudulently opened a credit card in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my further Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXXBalance : {$74000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5200.00} XXXX XXXX XXXX XXXXXXXX XXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX ) XXXXBalance : {$71000.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had an identity theft event take place at a gas station in Louisiana while on a vacation trip and this resulted in a fraudulent transaction on XXXX. Someone stole and used personal information ( name/address/DOB ) from my driver 's license to purchase a jewelry item at a XXXX store located in an area that we traveled through. The original creditor was XXXX XXXX. ( a no-credit-check personal loan company ) This was originally disputed with the credit bureaus and the original creditor did not reinstate the item. In late XXXX, XXXX apparently bundled it with other debt and sold the package to a debt collector XXXX Lewis McDonnell & Associates. I disputed this again in XX/XX/XXXX with XXXX. Lewis McDonnell & Associates reported back to the bureau that it is a legitimate debt. They provided the same field data originally provided by XXXX with no additional supporting documentation and the bureaus upheld it. They have in their possession a loan document e-signed fraudulently using an email that I have never heard of. They will discuss this document verbally over the phone, but thus far have been unwilling to provide the actual signed document. Despite requests from myself and the bureaus via the XX/XX/XXXX dispute. On XXXX XXXX XXXX CST I requested a copy of the original e-signed document again from Lewis McDonnell & Associates on a recorded line and XXXX at the attorneys office agreed to email it to me. I provided my email address and an hour later I received a request to esign a " new '' legal document generated from earlier loan documents but now with my actual email and a tag to sign on the last page. Nice try. 

They have not responded to my 2nd request today, to be dealt with in a fair and reasonable manner given that identity theft is a crime and they have obligations under FCRA to provide evidence that their claim is based on. I have no response from them at this time and feel that a heavier hand may be required for them to fulfill their obligations there. I also explained that this withholding of documents is potentially delaying my full licensure with a mortgage company. This has been escalated today to my local police department, a formal complaint to the XXXX, and now to the CPFB. All over a simple matter of identity theft and an unscrupulous debt collector 's attempts to collect a debt while shirking their own responsibilities of compliance.
Product: Debt collection

became aware of these fraudulent loans being open under my identity due to receiving various calls this was later followed by dmv contact me about my address change which i didnt not authorize over the last few months i contacted police the credit and banks try to impose my right and have these fraudulent accounts and inquries removed I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.be Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : { dispute_item_and_explanation } Kind regards, _
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several complaints to the credit bureaus on XXXX, XXXX, XXXX XXXX with XXXX and Experian There is inaccurate information listed on my account with XXXX XXXX systems. The company is stating that I XXXX + dollars to them. I have never been extended credit from XXXX. However, In 2015 I did have a car repossessed by XXXX XXXX. The care was repossessed and sold at an auction for XXXX. 
Not only is the amount owed to XXXX not matching the amount that the car was repossessed for the debt is showing as if it is a new debt on my credit report with different amounts showing. I have call the company, I have called the credit bureaus and they have not been able to resolve this issue. They keep saying it is investigated. This is not the case. This debt is reporting like a new debt and XXXX refuses to show me proof of what I owe. Please help!
Product: Checking or savings account

From XXXX XXXX, XXXX XXXXXXXX XXXX and onwards I got into these " good or service '' disputes that lead to chargebacks with " Capital one bank ''. The complaint is towards capital one, to be specific.The merchants in these disputes were unprofessional and their customers service was shady. Capital one was no better, capital one agent after capital one agent I was mislead, gaslighted, and sucked up into these claims " thinking that I would win them ''. For example, XXXX of the agents misplaced my claims and then XXXX XXXX later I had to put it together, which took XXXX  of my time on the phone ( there are call records ). Call after call with this bank in a span of XXXXXXXX XXXX, I received people who were incompetent and treacherous. All of these individuals had a negative motive that was other than providing proper phone banking. Most phone calls a fail, and just dissatisfying all-together. The back-office team of this capital one does what it wants with these disputes/claims with XXXX regard for the customer. The merchant has complete authority or " benefit of the doubt '', over the dispute itself.My account has gone negative XXXX  times due to this banks actions and " surgical discrimination '' of my banking life. There has to be regulation of how these capital one agents behave on the phone and the financial info they provide. What they're providing is a " financial service '', so there must be proper conduct that is free of mal-intent or discrimination on the basis of XXXX XXXX XXXX
Product: Debt collection

I called this company previously about getting verification of the debt since I had no knowledge of it but was talked to horribly/threatened & without resolve but was told in a letter it was being investigated but to date never received any verification or follow up to my verification request. I only received notices stating the amount of the debt and that the company wo n't be able to sue due to the age of the debt & actions that will occur if left unpaid.
Product: Debt collection

On XX/XX/2020 I sent a letter stating the inaccurate account on my credit report. I have not received a response in 30-45 days I feel like I am being taking advantage of and been ignored of my dispute! section 611a is plainly stated that a failure to investigation this items with 30 days is a reason to immediately remove this item from my credit report. I demand that this be removed immediately or I will file for litigation due to the stress such party has caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 account being reported inaccurate on my credit report the first is and old XXXX account that was a fraud case. I have sent information to Experian repeatedly about this account but they refuse to delete account even though I have repeated documentation showing that I was a victim of fraud. The account in question was settled with XXXX and suppose to be removed. The account was remove from the other 2 CRA 's after submitting documents but Experian reuses, even after filing a prior dispute with CFPB the lied and said account no longer appears on credit report. That was a complete lie and false statement to me and CFPB the account still appears and in fact the made it worst by stating account not paid. Which is false statement. The account was paid and settled. In 2014 during a purchase of a home the loan officer ask for my documents in response to that account. He submitted them and account was changed to paid/written off, but the account was suppose to be removed per letter from XXXX for forgiveness. Documentation has been attached to prove case. There also is a medical collection account that was paid by workers comp XXXX XXXX I sustain at work. I am not liable for this since account was workers comp and paid by workers comp. I have attached 2 statements one a bill showing bill paid and another showing insurance paid because workers comp reimbursed insurance payments. Somehow this keeps coming back as verified even though I have repeated asked for Experian to show me documentation that the investigated and who verified 2 inaccurate accounts. I have still to date not received that information from Experian and they refuse to remove inaccurate information.
Product: Checking or savings account

I noticed unauthorized international charges on my checking account. I called to report said claims and the representative looked over my account and realized its been going on for months. So I filed the claim. I called back a few days later because I hadnt heard any type of response from the bank and they ended up denying my claim. I asked them why and they stated that I approved 2 of the transactions via text message. I then stated that when I received messages about fraud I responded YES to let them know it was indeed fraud, I assumed once I responded YES that they blocked the transaction and I moved along my day like normal. They then stated that I was supposed to respond with No, I did not authorize the charge. So because I misunderstood the question my claim has been denied and can not be reopened with that new information. I lost thousands of my hard earned money due to international charges and a misunderstood text message. All I want is my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting multiple fraudulent accounts without right. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX acts of creating credit is not authorized by the constitution and laws of the United States, is unconstitutional and void, and is not a lawful consideration in the eyes of law to support anything or upon which any lawful rights can be built. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reporting these accounts to my Credit file with the intent to swindle me into paying a note that is void is a violation 18 U.S.C 894 for attempting to coerce me to pay an alleged debt not owed is extortion and blackmailXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX did not give me lawful consideration only God can create something of value from nothing. I now demand said persons to cease and desist from all communication including credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX we switched wireless providers. For several years we had used XXXX XXXX but had become unhappy with their service. We switched our account to XXXX XXXX XXXX XXXX. The new provider came to our house and switched our service. I attempted to notify XXXX XXXX of the change but was unsuccessful. During that period of time we were at the height of the COVID crisis. XXXX XXXX XXXX had shut down their local office which handled wireless service. It was impossible to talk to the local agent. Attempts to call the company were unsuccessful because of COVID crisis. Perpetual telephone holds were standard procedure. I took the XXXX router to the local XXXX office and they returned it to the company. My last payment to XXXX was on XX/XX/20 for {$60.00}. My first payment to XXXX XXXX XXXX for wireless service was on XX/XX/20. XXXX has continued to perpetuate the fraud that they are providing service to my home and are due payment. After a period of time they sent their fraudulent claim to a collection service which has put a notification on my credit reports. They even sent a collection agent to my house. I want this nonsense to stop. This is nothing but a scam.
Product: Debt collection

I sent these companies validation. Let us ask her down. 

I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1100.00} XXXX XXXX  Opened XX/XX/XXXX Balance {$2100.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$9200.00}
Product: Mortgage

I paid Greentreen/ Ditech Mortgage on XX/XX/2019. The mortgage company claims no receipt of payment. My Bank statement clearly show the money was debited for XXXX on XX/XX/2019. The mortgage company has threaten to report my Credit as negative and charge a late fee. I provide the bank statement and proof of ACH delivery to Mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too. I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items immediately. 
XXXXXXXX XXXX XXXX XXXX Charge-off {$0.00} XXXX XXXX XXXX XXXX Charge-off {$74000.00} XXXX XXXX XXXX XXXX XXXX XXXX Charge-off {$6700.00} XXXX XXXX XXXX  XXXX | XX/XX/XXXX XXXX  Inquiry {$0.00} XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX  XXXX | XX/XX/XXXX XXXX  Inquiry {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  Inquiry {$0.00} XXXX XXXX  | XX/XX/XXXX XXXX  Inquiry {$0.00} XXXX XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX  XXXX XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX  XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows. 

XXXX XXXX XXXX It has come to my attention that the charge off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.
Product: Credit reporting or other personal consumer reports

Inquiry opened on : XX/XX/2022 CAPITAL ONE AUTO FINANCING, XXXX XXXX XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX and CAPTIAL ONE AUTO FINANCE are a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agency CAPTIAL ONE AUTO FINANCE and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, and CAPITAL ONE AUTO FINANCE whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX and CAPITAL ONE AUTO FINANCE Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and CAPTIAL ONE AUTO FINANCE are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

I send numerous letter to this company. I told them I dont owe this debt. Ive spoken to several representatives and they refuse to compile by the law. I want the to remove this account from my credit. I dont owe this debt and they are not the original creditors.
Product: Debt collection

XXXX received a final payment from me after cancelling service. This is reflected in received statement. XXXX claimed they returned payment to issue new final balance. I never received alleged return payment and called to resolve. A man name XXXX allegedly resolved issue and emailed me stating such. This resolve did not include return of over payment. I received another request for payment and called to resolve. Now XXXX claims they never received payment and told me to resolve with bank. I told them I payed and had proof. They wanted me speak to a different rep but they would n't make an appointment. This is now the 7th collection agency.