23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On Saturday XX/XX/XXXX at around XXXX XXXX, my Macy 's account was hacked into and the information was changed so that I could no longer have access to my account. My Macy 's credit card was linked to this account. My card information was compromised and used to make, only to my immediate knowledge, 2 purchases. One purchase was for {$41.00} and the other purchase ( which was auto cancelled ) for {$290.00}. I have attempted to reach different departments for Macys at the suggested call times and have been unsuccessful thus far. I have tried to follow the FAQ but do not have access to my account as the information has been " updated '' by the hacker. My card was linked to my checking account for auto bill pay and am afraid that my bank information and possibly social security could have been compromised. I am unsure what steps to follow as all the lines I have called for Macys have been closed due to COVID-19 and telephone operating hours were not updated. The individual who hacked into my account also created a new email address based off of my email address and have reported this to XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company ( XXXX AND Capital One ) referred me here. Today on XX/XX/2022 I received an email from Capital One that " I '' had opened a new account in XXXX XXXX XXXX, Utah, via XXXX. They claim it was reported on XX/XX/2022 and that there are XXXX dollars on the card. I DID NOT OPEN THIS CARD. The ONLY Capital One card I have open is the one I have in my hand as a resident of Florida, and it as approximately XXXX on it. 

This is the FALSE information that I was notified about today : CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Balance XXXX Payment Status Current Please help. This is important to me as it would be to anyone. I have worked hard to heal my debt post-lockdowns when I was fired and the banks did not have mercy on me to the degree I thought. I took out a credit card for automated payments and other things like medical expenses with Capital One because they guaranteed protection after finding debt settlement through the Mercy of XXXX and XXXX. Please help.
Product: Debt collection

I have now sent Credit acceptance a copy of my FTC identity theft report multiple times, the last time being on XX/XX/22. 

Pursuant to 15 U.S.C. 1681s-2 ( 6 ) Duties of furnishers upon notice of identity theft-related information ( B ) Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may NOT furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. 

They have been supplied with all of the necessary documentation from my end. I have disputed this charge over and over, and now they have a sworn statement.
Product: Checking or savings account

Unauthorized charged. Disputed & had a new debit card sent. Dispute denied. Unable to respond to email. SoFi has taken the funds and I have not been returned the funds although I reported the transactions within the guidelines as well as had a new debit card sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company IS reporting INCORRECTLY & NOT IN A TIMELY FASHION-
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you can help me! I sent a letter to the credit bureaus on XX/XX/2023 and haven't gotten a response i would like a reinvestigation! It's still incorrect information on my report! My understanding is 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. I will list the accounts below! 


1. Validate Account XXXX  XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. This is a duplicate account DPT EDXXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. This is a duplicate account DPT EDXXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. The following personal information is incorrect DPT EDXXXX Account Number : XXXX Please investigate and delete from my credit report. 

5. This is a duplicate account DPT EDXXXX Account Number : XXXX Please investigate and delete from my credit report. 

6. This is a duplicate account DPT EDXXXX Account Number : XXXX Please investigate and delete from my credit report. 

7. XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

8. Validate Account XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

10. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

11. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please investigate and delete from my credit report. 

12. XXXX Account Number : XXXX Please investigate and delete from my credit report.
Product: Money transfer, virtual currency, or money service

I was watching a XXXX video, published on the XXXX of XXXX, that contained an advertisement for the digital wallet/finance app 'Cash App '. The advertisement stated, " you can use the code XXXX XXXX [ in the app ] and you get XXXX dollars for free. '' This implies that as soon as you download and type, " XXXX XXXX '' into the app you will receive XXXX dollars to spend. I downloaded the app on XX/XX/XXXX under these pretenses with the goal of claiming XXXX XXXX 

After I downloaded the app and typed in the code, instead of giving me XXXX $ the app displayed the text, " Get {$15.00} when you link a new bank account or activate a Cash Card ( people under XXXX only ) and send {$5.00} '' I only learned about the additional requirements to getting XXXX $ AFTER I downloaded the app and typed in the code, and not DURING the initial advertisement.
Product: Debt collection

COLLECTION COMPANY NAME. CREDIT SERVICE. DATE OPENEDXX/XX/XXXX WITH COLLECTION. FIRST REPORTED XXXX.ORIGINAL BALANCE : $ XXXX.RECENT BALANCE {$1400.00} AS OF XXXX.THIS COMPANY CONTINUES TO REPORT ON ALL THREE OF MY CREDIT REPORTS INTEREST ON THE ORIGINAL AMOUNT $ XXXX.THIS IS A MEDICAL BILL, NOT A LOAN. THEY CAN'T ADD INTEREST ON A MEDICAL BILL. I'VE DISPUTED THIS SAME ACCOUNT MULTIPLE TIME WITH THE CREDIT REPORTING AGENCIES. THE DISPUTE PROCESS IS SUPPOSE TO BE 30-60 DAYS FOR VALIDATION TO BE DONE. I'VE DISPUTED THIS AGAIN A COUPLE OF DAYS AGO AND IT HASN'T BEEN 30-60 DAYS. I RECEIVED A MESSAGE ON MY CREDIT REPORT WEBSITE THAT REPORTING AS ACCURATE INFORMATION. IT'S LIKE THE CREDIT REPORTING AGENCIES ARE NOT DOING A FULL INVESTIGATION. THIS INFORMATION IS TRUE ... I CALLED THERE OFFICE TODAY XXXX TO VERIFY THERE ADDRESS, THE ACCOUNT # XXXX AND GAVE MY LAST OF MY SSN THEY PULLED ME UP IN THERE SYSTEM. DON'T LET THEM TELL YOU THAT NO RECORDS ARE FOUND ON ME THERE LIARS! 

" NOTE THE ORIGINAL CREDITOR I NAME IS XXXX XXXX XXXX XXXX ''
Product: Credit card

I noticed on my credit report inquires from companies I never applied a a credit card for. I believe I got XXXX of the XXXX resolved but got denied on macys XXXX XXXX card. The activity happened on XX/XX/XXXX and XXXX 2024. I called companies in question and closed accounts and reported fraud. I also went to XXXX credit bureau sites and froze my credit. I also submitted report on identity theft.gov
Product: Checking or savings account

I went to the bank branch to ask why I had two charges of {$36.00} pending overdraft and the banker told me it was for a charge of {$8.00} but if I deposited {$8.00} in cash it would be erased and the two charges would be returned of XXXX dollars and I did that same day at the time I deposited XXXX dollars and then XXXX and XXXX later in cash and I asked you are sure that my account is up to date and they would not charge me 36 times and he replied that if I left confident and I didn't check my cell phone until Saturday I see I had the 2 charges of XXXX dollars and pending another 2 charges of XXXX dollars call the US bank branch immediately Bank and I talked to the cashier and he told me that at that moment he would be returning two times {$36.00} dollars. and I angrily told him that why he didn't do it on Wednesday when he assured me that he had already done it? Well, I expected my account to be free of charge and on Tuesday I checked my cell phone again and now I had 5 times the overdraft charge of {$36.00} I did not make any transactions or movements with my card but I still overdraft for overdraft charging XXXX many times. then call customer service by phone at U.S. Bank and told me that they could not help me they were very arrogant and that I had to pay overdraft XXXX dollars which I do not have to pay that is an unfair abuse after I went to another branch where they understood my situation and the kind cashier returned me Twice XXXX dollars but I still followed the balance of XXXX dollars and the next Tuesday the bank returned to charge me twice XXXX dollars I am not willing to pay that because it is not my fault I know I had enough to make the payments and the banker He said he deposited only XXXX dollars and his account will be up to date if the one or another had told me you overdrawn for XXXX dollars and I would have deposited them so that it will not be overdrawn now I am not willing to give even XXXX dollar to that bank until the 5 charges are cleared of {$36.00} overdraft
Product: Bank account or service

Hi I sent {$3700.00} to my son by using the pay bill online service of the Citizens Bank. The money was cashed by somebody else. The Bank refuses to refund my money and claims that the check that was sent to my son was altered by somebody who scanned and cashed it in XXXX What recourse I have?
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
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: Debt collection

Did not give HIPPA authorization to 3rd party collection agency access to PHI or medical information.
Product: Checking or savings account

Sun-Trust Bank has freeze my checking account since the past 7 days due to some Cashier check I purchased with my credit card and authorized to them that I did purchase it with my funds, they still yet to open my account and has resulted me in great loss with my customers and business ethics. I need them to open my account and release my funds to me so I can assist clients who paid into my account for there jobs to be done. 


Regards XXXX
Product: Debt collection

The moore law group has not provided the information and/or paperwork requested for verification of debt I have sent them multiple letters specifically asking to provide me with the following : original contract with my signature on it, to itemized every single item since the opening of the alleged account, provide a bill of sale that shows account number and amount they paid to obtain this debt, show any paperwork where I agree to pay you. THIS IS WHAT THEY PROVIDED SO FAR : BILL OF SALE is missing my name, missing account number, amount paid for debt. COPY OF SALE OF THE ACCOUNT is missing my name, missing account number, missing amount paid to obtain the alleged debt. MONTHLY STATEMENTS that proof nothing just statements with blackout account number.
Product: Credit card or prepaid card

I've a credit balance on my AMEX and AMEX has : - deactivate my AMEX card ( for no reason ) - failed to refund my credit balance ( since 2020 ) despite many international phone calls to follow up after AMEX repeatedly said AMEX will wire transfer - failed to follow up to contact me and refuse to provide any email/person in-charge I can speak with other than me repeatedly calling AMEX and explaining the case repeatedly to customer service each time
Product: Money transfer, virtual currency, or money service

I made a payment of {$90.00} through Paypal to an online seller. But I did not receive service as described. I did not ask for a full refund, but the seller refused to partial refund. I opened a dispute on Paypal. But I accidentally closed the case and Paypal did not allow to reopen it. I lost {$90.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus have incorrectly labeled me or my credit disputes as fraudulent. It has been almost 3 months with no communication from the credit bureaus on the disputes that were submitted 3 months ago. 

Additionally, I have an excellent credit history which is not being reflecting in my credit score. I have been making timely payments to XXXXXXXX XXXX for several months now, with no updates to my credit score in the last 3 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen, including my passport and driver 's license. Several accounts were opened in my name after the theft. I filed a police report and have attached a copy of the police report and a copy of my passport to this dispute. 

Three accounts remain on my credit report from this identity theft even after disputing them and receiving notification from the creditors that they would be deleted. 

XXXX XXXX XXXX CC # XXXX XXXX XXXX informed me via the Consumer Financial Protection Bureau that they believed I am a victim of fraud. Even with this declaration from XXXX XXXX   this negative account that was opened due to identity theft remains on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX informed me via the Consumer Financial Protection Bureau that they believed I am a victim of fraud. Even with this declaration from XXXX XXXX   this negative account that was opened due to identity theft remains on my credit report. 

XXXX/XXXX XXXX XXXX # XXXX This debt collector informed me via the CFPB that they were sending a deletion request to the three credit bureaus asking for this to be deleted from my credit file. It still remains on at least one of the three reporting agencies. 

The following inquiries are showing on my credit report and were authorized without my knowledge or consent and are a result of identity theft : XXXX XXXX on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX   on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate the items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am filling a complaint against Capital One regarding deceptive practices related to their " 360 '' high yield saving account. Capital One misrepresented the 360 savings account as having one of the nations highest interest rates, yet failed to notify account holders about the superior rates offered by the 360 performance savings account. This deliberate obscurity and lack of transparency violated consumer financial losses for many, breaching the Consumer Financial Protection Act and the truth in the savings account. I seek to redress for the misleading practices and failure to fulfil their advertised promises
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to XXXX to ask that they verify a collection on my credit report that I am not familiar with. The account was with ACIMA Credit FKA XXXX .... XXXX said that the account was verified. Now I am asking that they provide proof of how this account was verified. I am writing XXXX another letter and also a letter to ACIMA to verify and validate this debt
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit card

I made my credit card payment on XXXX XX/XX/year>. Payment posted both in my XXXX  XXXX XXXX account and in my Capital One account. I should note that my father and I both have Capital One credit cards. I paid our balances on the same day, both in sequential order. Both posted in both places as stated above. His available credit ( {$500.00} ) is updated the very next day. Mine still has not. I was told that they placed a hold on my card to ensure the payment would go through. It has. It is not pending. I was told by their customer service agent that, and I quote, 100 %, for sure, your available credit will be updated and available for you to use on the [ XXXX ] XXXX [, 2024 ]. Today is XXXX XX/XX/year>. It still has not updated. These people have upended my life! I rely on this card to live on throughout the month. Ive just had major XXXX, and Im on XXXX and not able to work. I can not afford to just lose {$500.00} on their whims simply because they felt like it for whatever reason that day, even after having already received my payment, AND holding an additional {$500.00} in collateral ( this is a secure credit card ). Placing a hold on my account was totally unnecessary and was most likely a result of discrimination. I can not even buy groceries now because they wont do what theyre supposed to do, what theyve promised to do.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Account : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In XXXX 2021, I already tried several calls with this company, Toyota Financial, and I told them they have the wrong number! They confirmed that they do have the wrong number and that they will not call me again. However, they still tried to call me every single day, and I reported to CFPB in the same month ( COMPLAINT ID XXXX ). Everything went well and they ensure that this won't happen again. 
Recently, I am again receiving several calls from them again, with a different number, ( XXXX ) XXXX, I really have no idea what I should do to avoid this from happening again and again. They have the wrong number on their file!!!! I do not have any vehicles and I froze all my SSN so no one should be able to use my SSN to apply for loans .... 
They have to remove my number from their file and STOP CALLING!
Product: Credit reporting or other personal consumer reports

Im found that my credit report has inquires that I never apply and I dont recognize them XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I did not take a loan out from Cashlink USA. I want then to remove this fraudulent account.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX, XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I be victim of fraud identity theft 3 account and a car loan car dealership over charge XXXX dollar for original price agree the credit account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX balance whem a request the contract car price is XXXX they send me a totally different contract a never see before whem the car value is XXXX XXXX XXXX XXXX is out of business made impossible contact the person made the contract a comict the fraud Experian dont remove or investigate