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

In accordance with the fair credit reporting act XXXX Has violated my right 15 U.S.C 1681 section 602 states I have the right to privacy. 
15 USC 1681 section 604 A section 2 Also state s consumer reporting agency can not furnish a account without my written authorization I PREVIOUSLY FILE A CFPB AND XXXX AND XXXX TOLD ME THEY REMOVE ALL AUTHORIZED INQUIRIES ON AND THEY NEVER DID ON MY OTHER CONSUMER REPORT I ONLY HAVE 20 inquiries and XXXX never removed the inquiries they claim thats not showing on my report I will upload proof that the inquiries stop showing on my report and proof that XXXX stating they removed them from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days.. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( XXXX ) ( C ) Authority to decline or XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XX/XX/2019 Balance {$5600.00}
Product: Credit reporting or other personal consumer reports

I have now requested several times and attempted several times to get access to what LexisNexis is reporting and they have yet made available the means to do so
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX  XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

This complaint is about a refund reversal from PayPal about transactions Transaction ID : XXXX and XXXX Both transactions were disputed no evidence was provided to XXXX XXXX XXXX charges are valid and now they have arbitarily taken the money without legal cause out of our account. They are listed in the refund reversal as BONUS TRANSACTIONS? They are also no longer in the resolution dispute center when we looked.
Product: Debt collection

I have tried to resolve debit with XXXX XXXX XXXX XXXX by requesting information to prove debit. 

1st issue, I requested Singed contract. No less than 4 times, none returned except just billing statements.

2nd Issue is there stalling has cause harm to my credit file, thus I suggested an offer compromise, I was willing to pay the bill to remove it from my credit just to get rid of the problem. Inlue of a more escalated approach.

The problem from my point is if I pay then I admit this was my billing, they said they dont remove paid contracts. I did not acknowledge the billing was mine. To pay it would not resolve the issue at hand. They said no and they dont remove paid bills.
Product: Credit reporting or other personal consumer reports

I did not give XXXX XXXX  written consent to furnish my account information to any third party companies or to obtain my information
Product: Debt collection

This Medical Debt is being inaccurately reported on my credit report and I am asking the CFPB to have it dropped or removed from my credit report for wrongfully trying to collect a debt that docent belong to me. 

Credit Card XXXX XXXX XXXX XXXX XXXX Balance {$460.00} Opened XX/XX/2021 XXXX
Product: Debt collection

I submitted a previous complaints with a long statement which included multiple fraudulent accounts at the time I did not realize I can submit more than one complete so my apologies about that. 

This complaint is regarding national credit systems. I have two different collection accounts on my XXXX XXXX XXXX, and XXXX report in which I have never lived at these properties, as I stated before, in the previous complaint, I have no knowledge of applying for this apartment, Nor have I ever lived there.
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 : XXXX  Date of inquiry : XX/XX/year>
Product: Credit card

I made a purchase/service with XXXX on XX/XX/2023 in the sum of $ XXXX, however for whatever reason, the merchant account was frozen or blocked. So I received a refund on XX/XX/2023 for the same amount as above, and the merchant bank charged me $ XXXX, again on XX/XX/2023. So I filed a dispute over this issue on XX/XX/2023, and Capital One credited my account with $ XXXX. I reached out the merchant regarding this on XX/XX/2023 and they agreed to approve the dispute once Capital One bank reaches them regarding this, but Capital One never reached them and also took away the credited sum of $ XXXX from my account on XX/XX/2023 and closed the dispute. I never received my $ XXXX refund from the merchant or Capital One if it was received by the retailer. I have included some documents from Capital One, they have sent me certain form to fill out and sign, which I have already completed but still they were keep asking for additional information related to the purchase, and I explained what I knew and what happened with the transaction several times, but they were not resolved by Capital One, and my dispute was closed and they stated that I didn't provide the requested information. Even after the dispute was closed I reached the fraudulent team manager and explained the whole scenario and she confirmed that they received enough information on this dispute but they stated that they can't reopen the closed dispute and she will work on this in backend to resolve it but never heard back again from them. Capital One never reached my Merchant to resolve this issue, instead they are asking Merchant to approve the dispute without reaching them and asking to resolve with Merchant when the issue is with Capital One. I followed up with the merchant, and he provided me with certain documents from his bank, XXXX XXXX. I will be attaching to this case. 

Actions taken from my side : I reached out to my merchant regarding this issue and they confirmed over the email that the issue was on the XXXX XXXX bank account and they will approve the dispute once the Capital One reaches them to resolve it. But Capital One never reached the Merchant and when I requested them to reach the merchant, they were reluctant to do so.
Product: Credit card or prepaid card

I went to XXXX XXXX with some girlfriends who had the exact same problem as I am about to describe. Each time we took a cab that was supposed to be around {$20.00}, they charged around {$850.00}!! We called our credit card companies and the two girls I was with had no problem! The credit card company marked it as fraud and handled it. But I did not have the same experience. My US Bank card keeps insisting that it is a valid charge. What cab ride would cost {$850.00}??? I have three charges for transportation : {$920.00}, {$860.00} and {$840.00}. All charges were on XX/XX/18 and the three signatures do NOT match my signature. You can tell they obviously had my signature and tried to forge it. I can not tell you how many people I have spoken with at Cardmember Services - and how many HOURS I have been on hold!
Product: Money transfer, virtual currency, or money service

XOOM money transfer Transaction XXXX was initiated buy me on XX/XX/2019 XXXX XXXX to send to money to my brother-in-law in XXXX for US {$1500.00}, they deducted money from my bank they are neither refunding my money nor they are sending money to my brother-in-law. I called them every day for more than 25 calls, send the proof of my brother-in-laws bank transaction. They say they are going to refund my money and send a email confirmation and they are never doing it from past 3 weeks. 

Please take action as soon as possible, This XOOM company is fraud, Please cancel there license and do justice to me and all customers who are going through this Fraud company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information XXXX XXXX XXXX Dear Experian, I am writing to formally dispute inaccurate information on my credit report. Specifically, I am referring to the following items : XXXX. XXXX Account number : XXXX XXXXXXXX XXXX XXXX Account number : XXXX XXXX. XXXXXXXX XXXX Account number XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Account number : XXXX XXXX. XXXX Account number : XXXX XXXX. XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX XXXXXXXX XXXX Account number : XXXX XXXX. XXXX XXXX XXXXXXXX In light of the recent decision in the CFPB vs. Experian case, I am requesting that you thoroughly investigate and correct these entries, as they may be in violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to this case, credit reporting agencies, including Experian, are required to accurately report all information and ensure it is substantiated by proper documentation. 

If the information can not be verified as accurate or if it is found to be incomplete or outdated, I request that these negative entries be removed from my credit report. Specifically : If the account is marked as charged off or in collection, I request validation of the debt to confirm its accuracy. 
If there are any bankruptcy entries on my report, I request verification of the dates and discharge status to ensure they comply with proper reporting guidelines. 

Additionally, under the FCRA, I am entitled to an accurate and complete credit report. I would appreciate receiving confirmation of the removal of these items or details of the investigation findings as soon as possible. 

Please be aware that under the CFPB guidelines and the FCRA, failure to correct or remove this erroneous information within the required XXXX period may result in further legal action.

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of this issue. 

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

I have been trying to log into MyEquifax all this morning Wednesday, XX/XX/2019. The MyEquifax system tells me that my account is locked - to call Customer Care at XXXX. 
The first two ( 2 ) agents I talked in Customer Care of Equifax put me on hold and then cut me off. 
The third Customer Care agent sent me a link to reset my password. This did not work. He then sent me another password reset link, but said to wait 30 minutes and reset the password. 
I waited more than 30 minutes and the MyEquifax system took the password change again, but then said my account is locked. It said to call Customer Care.

The 4th Customer Care agent sent me another password reset link and said wait 30 minutes to use it. I waited an hour, reset my password and tried to log in. The MyEquifax system said my account is locked and to call Customer Care. 
The 5th agent in Customer Care hung up on me after about 10 seconds.

I tried talking to a different Equifax agent in another department ( new identity protection products ), who tried to help me, but eventually the Equifax phone system cut me off after about 30 minutes of discussion. Before I was cut off, this agent said he needed to try to find other technicians to help me.

When I was trying to get help on this matter, after being disconnected numerous times, I saw that I can send an email of my issue. The Equifax system has taken my complaint and assigned Case # XXXX. 

As of this time, no rep from Equifax has tried to call me on this matter. All I have is a system complaint response and the experience of being hung up on and disconnected by their agents numerous times. 

As of this morning, XX/XX/2019, I can not log into my account at Equifax the MyEquifax system. Being told by Equifax that my personal information was already compromised in the Equifax hack of several years ago, I need to review my data and information that they have in response to their email sent to me on XX/XX/2019. 

I need help from someone to get this critical matter corrected at Equifax.
Product: Credit reporting

Paid XXXX for 4 years, returned the car and later they charge me for overage miles and try to work out a payment plan, which they later reneg and take me to court. I think this is excessive abuse of XXXX and its collections and credit bureau 's. I returned the car in 2010. Yet my negative credit report has to show that I did not pay them and is a charge off, including court judgment. What is going on in America? Collections, and Credit Bureau 's are abusing us and the system so they can charge 24.99 % APR? I 've paid every car payment on time, and XXXX and its collections agency should n't be allowed to abuse the system and its customers. The way it shows, it appears it was a charge off and I never paid them, when in fact it was fee 's and charges after returning the vehicle, so it has nothing to do with being a charge off of my $ XXXX monthly payment. THIS IS WRONG!
Product: Debt collection

Rent Recovery Solutions sent me a letter in XXXX of XXXX I sent a letter requesting the debt be verified the only thing I received was a summary of move out charges Which doesn't constitute verification under the FDCPA in XXXX of XXXX I sent another letter requesting the debt be verified at which time they sent the same move out summary again the doesn't verify that the debt belongs to me on XX/XX/XXXX I sent another letter requesting verification i again received the same move out summary then I filed a complaint with the CFPB on XX/XX/XXXX the company responded and said that it would no longer report said debt until I was furnished copies of the required documents Again I mailed them a letter requesting that they stop reporting said debt it was signed for by XXXX XXXX on XX/XX/XXXX I still haven't received anything that was requested under the FDCPA but there still reporting it which is a violation of FDCPA section 809 ( b )
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), which involved me making deposits for a total amount of XXXX USD from my JP MORGAN CHASE BANK account to fraudulent investment firm ( s ).
Product: Checking or savings account

XX/XX/2023 : I opened a XXXX XXXX XXXX account online with Capital One and immediately transferred XXXX via ACH from my XXXX XXXX checking to my new Capital One account. The funds show as withdrawn from my XXXX checking account on XX/XX/XXXX. 

XX/XX/2023 : I received a notification via email from Capital One to fund my savings acount in order to prevent it from automatically closing. The email also said to disregard the notice if I've already funded the account, so I disregarded it. 

XX/XX/2023 : I signed into my Capital One account, planning to make another transfer from my XXXX XXXX account to my Capital One account. This is when I saw a message that my funds are not available for withdrawal ( despite it being an ACH transaction ) and to contact customer service. My available balance, however, shows as XXXX 

I will contact Capital One tomorrow, but I wanted to file a complaint in the meantime because it's very concerning that Capital One never once reached out to me to say that there's an issue with my account or with my deposit despite having plenty of time to do so. I have no idea what the issue is just logging into the website or app. 

What if I had needed access to these funds in an emergency and only found out then that Capital One put a hold on my deposit without informing me via email, mail, or phone? The lack of communication here is a big concern. It seems they're ok with taking my money and staying quiet about any issues.
Product: Money transfer, virtual currency, or money service

I am attempting to use a third party app called " XXXX XXXX '' that loans you money from you next paycheck without fees! However my financial institute " Key Bank '' does n't convey my transactions to " active hours '' in a timely manner. I have attempted to contact key bank through phone and social media to no avail. If " key Bank '' would just release my transactions history to this one app, I would be ecstatic.
Product: Credit reporting or other personal consumer reports

Inquiry or late payment too many inaccurate information on my File and asking them to investigate or remove Them
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to credit standing. I am requesting immediate corrective action to remove or amend the disputed account, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142. ( B ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from TransUnion. Please delete the following accounts : US Dept of Education Acct # XXXX Bal : {$1200.00} Us Dept of Education Acct # XXXX Bal : {$2200.00}
Product: Bank account or service

I was trying to transfer money between my checking account and another account with Capital One. When I logged in, I found that ALL of my accounts were blocked. This included XXXX savings account, XXXX checking account and XXXX saver accounts for my children. This nightmare started on Wednesday XXXX XXXX. When I called I was told there was possible fraud on the accounts, and that there was an 30 minute wait time to speak with someone. I called back later, waited over an hour. When I finally spoke to someone they told me that all my accounts needed to remain frozen pending investigation. I finally spoke to an " investigator '' late the following day. Who told me that she would still not be able to unlock my accounts ( mind you ALL my money was at Cap One ). I finally called back on Friday to fins out the investigation was complete and there was no outcome. But at this time, I was told that all new accounts needed to be set up ... which STILL left me without any access to MY money. Funny, when my direct deposit was done on XXXX, Cap One allowed that transaction to go through. I was told on Friday when the new accounts were set up, it was not possible to overnight my new cards to me. It was not until XXXX that I finally got cards to access my accounts. I was told several times that I could travel over an hour to a branch to access the funds, but as a single mom working full-time, this was not an option. I am not sure how it is legal to keep someone from their money. When the new accounts were set up there was no linkage between the old and the new. This means that all my payments and checks written were not honored by Cap One, even though I had plenty of funds to cover. In addition, I was charged NSF fees!
Product: Credit card or prepaid card

In XXXX XXXX, I found XXXX XXXX charged several purchases to my Chase credit ( ending in XXXX ) with the receipts not my name/address, but to another person.I reported Chase to deny these charges, Unfortunately on XXXX. XXXX Chase rebilled me again to my newly issued card ( ending in XXXX ) without my permission. 
On XX/XX/XXXX, XXXX XXXX from Chase called me asking me if somebody stole my credit card. I told her I am unaware if the credit card number had been stolen, Especially I was in XXXX from XXXX, XXXX until XXXX XXXX, XXXX, still showed 5 charges in my statement with the receipts not my name /address, but to another person. I never give permission to XXXX XXXX to do in this way, Chase should be credit back to my credit the amount. 
On XX/XX/XXXX, Supervisor XXXX from Chase called, she said she couldn't give me her last name, and her Chase employee number she said she has evidence of my physical card being inserted into the chip reader, I told her even if my physical card was used, the receipts provided by XXXX XXXX  show the purchases were done by another person and a mailing address that is not mine. She forced me to pay all of the amount.