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

I have already reached out with certified mail with tracking of the recipient to IQD You IQ DATA INTERNATIONALXXXX XXXX XXXX XXXX XXXX XXXX  BROKE NUMEROUS LAWS INCLUDING 15 USC 1681 ( b ) ( 2 ) permissible purposes of consumer reports section 2 states 'in accordance with written instructions of the consumer to whom it relates '' ... you are only allowed to furnish anything on my credit report if you have written my written consent. you furnished derogatory information on my file which has ruined my financial reputation. furthermore you also are in violation of 15 USC 1692 ( g ) by not communicating to me of the alleged owed debt first. your first point of communication was on my consumer report as my proof shows you reported on my credit XX/XX/2022, Then you reached out to me on XX/XX/2022 A DAY LATER. that's against my individual right to privacy. ALSO this is false and misleading representations pursuant to 15 USC 1692e showing a positive balance of XXXX. I the consumer can not pay on a positive balance is this a balance you owe me? remit payment to me as you are required you have 30 days from this notices to respond. All docs were signed and ready for possible litigation I don't want to result to this but I have no choice but to protect myself as the consumer and natural person this has been an infringement upon my rights and has been a form defamation of character, negligent Enablement of identity if Fraud, FDCPA 15 USC 1692G, FDCPA 15 USC 1681 violations for willful non compliance 616. civil liability for willful noncompliance ( 15 USC 1681n )
Product: Credit card

Refuse to send me in writing why they have to charge me {$41.00} in late fees every time refuse to send in writing why my payment method won't work on the automated system they tell me that's the terms and conditions that I have to deal with that I agreed to so I had told them I'm closing my account then they said they want the entire amount up front now absolutely not they're fraudulent activities usually try to create situations to where no matter what you have to pay a late fee my credit was great until these cards ready and first access destroyed it
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I am writing to file a formal complaint regarding the mishandling of my repeated attempts to follow up on the removal of fraudulent items from my credit report. 

Despite submitting multiple disputes and diligently providing supporting evidence, the fraudulent accounts persist on my credit report, and my previous follow-up attempts have not yielded any resolution. 

The ongoing presence of these fraudulent items on my credit report has caused significant distress and financial harm. It has negatively impacted my credit score and has hindered my ability to access credit and financial services. 

I demand that your agency immediately conducts a comprehensive review of my dispute and expedites the removal of the fraudulent items from my credit report. Furthermore, I request that you provide me with written confirmation detailing the steps taken to address this matter and the resolution thereof. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, the consumer, have contacted CAPITAL ONE on XX/XX/2022, by certified mail which they received XX/XX/2022. CAPITAL ONE, did not disclose to me as required by law that I had the right to opt out of my nonpublic personal information being disclosed to nonaffiliated third parties. CAPITAL ONE has continued to report to the credit reporting agencies after my notice and demand to stop sharing personal financial information with unaffiliated third parties. CAPITAL ONE is in violation of the Gramm-Leach Bliley Act and the Fair Credit Reporting Act these violations are listed : 15 U.S.C. 6801, 15 U.S.C. 6802, 15 U.S.C. 6803, 15 U.S.C. 1681a ( XXXX ) ( A ) ( i ), 15 U.S.C. 1681a ( XXXX ) ( B )
Product: Money transfer, virtual currency, or money service

My Wells Fargo XXXX account was compromised. XXXX amounts : {$4200.00}, {$4200.00} and {$4100.00} were transferred to unknown recipients. The first one ( {$4200.00} ) on XX/XX/year> was caught by WF and stopped. Over the subsequent week, 2 others were made. When the 3rd payment was made, I called 4 hours after ( it was made at 3AM ) and told them that it was not me. They said they would do their best to get my money back. WF is now telling me that these transfers were made via biometrics by me or someone close to me- which was not the case. WF moved the remaining money to a different account. I changed all the passwords and was issued new cards. Tried to escalate with the fraud protection hotline and they refused. I do not understand why WF allowed subsequent transactions to be put through after they found the first to be fraudelent.
Product: Debt collection

I had a few past debts. I paid them with the settlement agreement. It was wired from my bank to theirs. They are refusing to give me a paid in full receipt. Stating they have to put a hold on it for up to ten days. I have a family of XXXX. I just gave them almost {$1700.00} to pay them in full. I need this receipt because we 're poor that exhausted most of our funds. We 're trying to get a house loan, they need the paid in full receipt to add to our case, the debt collector is refusing to send me anything. I 've called a few different times requesting this since Wednesday XX/XX/2016, when the funds came out of my account. They 've been rude, said they 'd send me a letter to respond to so they could send me a transaction notice, but I have n't received that either. I need this receipt now. Please help
Product: Bank account or service

On XXXX XXXX I informed PNC Bank that I was a victim of a scam and fraud. I asked PNC to close the account and reopen a new account. PNC DID not investigate and informed me that I would have to repay the funds. On XXXX XXXX PNC went in to a joint account that my fianc and I have and took his entire check as well as closed the account with out prior notice or gave us the chance to work on payment arrangements.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information on My Credit Report Dear CFPB, I am writing to dispute inaccurate information on my credit report related to the following accounts with XXXX XXXX : - Account : XXXX - Account : XXXX Despite my efforts to resolve this issue with both the creditor and Experian, the inaccurate information remains. I have contacted XXXX twice and requested to speak with a supervisor. Each time, I was either redirected to another representative or offered unrelated services. This has not led to any resolution. 

The problem began when XXXX claimed an issue with my card on file, which I promptly addressed on the same day. However, they failed to update their records correctly. This error has caused significant hardship, including a drastic drop in my credit score from the high XXXX to the low XXXX, resulting in the rejection of my apartment application. I am now facing the possibility of homelessness with my daughter. 

According to 15 U.S.C. 1681a ( i ) Exclusions, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Since this situation falls under this provision, this information should not be included in my consumer report. 

I respectfully request that you investigate this matter and ensure the removal of these inaccurate entries from my credit report, please. 

For further correspondence or legal inquiries, please contact my attorney : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX Phone : XXXX Thank you for your attention to this urgent matter. 

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

I contacted this company XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for VALIDATION of some accounts which by law I have this right. The company responds back VERIFIED but FAILED to show HOW as I requested all three times. 
My XXXX collections, HOW did you validate? I can say for a fact that I have proof eastern account systems is inaccurate being I have actual proof XXXX was PAID. So how is it exactly these accounts validated? I have a right to know and if this was not done, removal. I have a right to see the contract to each of these companies showing I owe them by terms of a contract with my signature, This is my right to obtain this and this is by law the only way they can be reported on my report. This contract is to show their company names and my signature to be a valid debt by law. 
The accounts by XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX are all INACCURATELY REPORTING. XXXX XXXX  XXXX XXXX and XXXX XXXX are all INACCURATELY REPORTING. These XXXX accounts show 0/0/0 in payment history, they show 100 % payments on time but yet CHARGE offs! Law code 15 is code 1679c states ALL INACCURATE ACCOUNTS ARE TO BE REMOVED IMMEDIATELY! I asked to validate XXXX XXXX  also to a simple valid. How was this validated? 

When I questioned inquiries I was IGNORED. I called each of these companies and they have no record of me and told me to contact the reporting agency, so why am I being ignored? Who is XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX again on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX? I NEVER authorized these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act this creditor Capital one has violated my rights under 15 USC 1681 15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I was contacted by XXXX on XXXX/XXXX/XXXX concerning charges that they identified as potentially fraudulent in the amounts of {$59.00} and {$400.00} and I confirmed that these were, in fact, fraudulent. They closed the account and I thought that would be the end of it. A couple of weeks later I went in to find that the charges were in fact still there and I was told that I needed to contact the fraud department to get them removed. I did this twice -- only after the second time did they send me the necessary paperwork to remove these charges. I returned the paperwork and checked back a week later to find that not only have the charges not been credited but that they had erroneously CHARGED me for the amount that should have been credited. Additionally, the date of the charge had been backdated as this had n't been processed until at least the second week of XXXX but the charge was datedXX/XX/XXXX. This left me now with an outstanding balance of {$910.00} -- double the amount of the original fraud -- with the second charge having a fraudulent date of XX/XX/XXXX entered by XXXX XXXX. 

I discovered the error on Monday, XX/XX/XXXX and called and after speaking to three people on that call was told that the matter would be resolved immediately and I should see the charges gone by the next day. It is now Friday, four business days later and it is still not resolved. When I called, it appeared that it was n't resolved on Monday and that I needed to speak to the fraud department again. At this point, I have spent close to 4 hours not only attempting to resolve the original fraudulent charges but also the erroneous and fraudulently dated double charge from XXXX. At the time that I am writing this, the issue has not yet been resolved. 

There has been no good faith effort on their part to resolve the issue and if I were n't someone who frequently checks their accounts, this easily could have resulted in additional penalties. While I understand that errors do occur, their lack of effort regarding resolving the issue that they created is my primary complaint. I have had other cards fraudulently charged and the issue remedied in 24 hours. We have now gone over a month and not only has n't the original problem been solved but I was then fraudulently charged ( not just in error as it was also falsely backdated ). I was told today that this should now be resolved and I will check again next week but wanted to ensure in the meantime that a ) no one else would have to go through this, b ) be refunded the full amount of my annual fee of {$150.00}, and c ) receive payment from XXXX in the amount of {$380.00} ( my billable rate of $ XXXXhr x 4.5 hours the time spent resolving this ) at MINIMUM.
Product: Debt collection

They contacted my phone number and my boyfriend picked up the phone. On the call they provided my personal information to him. On a separate call with myself they called an another individual disclosed my personal information. The information included my full name, address, phone number, social, date of birth and what they are claiming I owe. I have asked them to stop calling me but I get at least 8 times a day from different numbers.
Product: Money transfer, virtual currency, or money service

I have participated in a class action lawsuit against Western Union over a year ago, and never heard back from them regarding my claim. I submitted proof, and have been ignored by Western Union for compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and now the hackers have my personal information. I verified this on Equifax 's website.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XXXX I wrote to Equifax via mail detailing to them my unfortunate event. I have not heard back from the company and have not received any updates to my account pertaining to the removal of the fraudulent information. I have included with this complaint my letter sent to Equifax letting them know I had been defrauded, along with the FTC report, an identity theft report and my personal identification needed to identify me. I would just like this thing over and done with and my credit rectified as soon as possible. This circumstance is inconvenient and a lot! I also left in the letters provided to Equifax my id card because I had no other way of proving my residence because I have no bills. My social security copy is also included in the attachment section along with my FTC identity theft report, FTC XXXX report number as well as any other information I could provide. I would like this account blocked and deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one account had fraudulent charges and capital one closed my account and I was unable to review the charges and speak to capital one. Its been going on for about a year now. I would like this removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these : 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 XXXXXXXX XXXX XXXX XXXX that are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again. Remove these items as soon as feasible
Product: Checking or savings account

I am executor of my cousins estate who passed away XX/XX/2020. The account is with chase bank. You have to call deceased number XXXX but it says send email to XXXX and hangs up. I sent email to that address at chase bank to close the account and send me a check for the amount in the account. I sent them all paperwork XX/XX/2020. All contact was by email. They asked for more documentation and on XX/XX/2020 they said they had processed the paperwork and will send out a check. I did not received a check. I sent them an email on their encrypted email server on XX/XX/2020 and did not receive a response. I sent them another email on the XX/XX/2020 and no response. I sent them another email XX/XX/2020 and no response. I also called the local branch on XX/XX/2020 and they said someone from escalation services will call me. XXXX XXXX # XXXX called me and left message but no return number to call. I redaiedl the number she called me from but it went to main chase number. I again email them on XX/XX/2020 and no response. I called the local bank again and asked to speak to esclation department again. I called chase and asked for escalaton department. It ent to voicemail and said to leave a message. 
In summary I recieved a message from chase in thier private email portal on XX/XX/XXXX that a check will be sent to me, It is now XX/XX/XXXX and I do not know he status and can not reach anyone in the deceased department to find out any info. Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Last XXXX XXXX To whom it may concern, I, Your Name, never gave ( Equifax, XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
As a consumer, I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) To Whom It May Concern : I am submitting this FTC to formally report a violation of my rights under the FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) ( ( 15 U.S.C 168 1b ) and applicable provisions of the FDCPA. Fraudulent activity has impacted my XXXX credit report, including unauthorized accounts and fraudulent collections that were reported without my authorization. These actions are clear violations of my rights, as the accounts were reported without verification or my consent, resulting fraud. I demand that these fraudulent items be immediately removed from all of my credit reports I request a thorough investigation into how these violations occurred. FTC Report Number : XXXX, dated XX/XX/year>. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 and FCRA 605 ( b ) when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX account number XXXX Please find enclosed the following documents to support my claim :. I hereby demand the immediate removal of this fraudulent account from my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) ( 15 U.S.C. 1681c-2 ) and the Fair Debt Collection Practices Act ( FDCPA ). I require that this account be deleted in compliance with these protections, and I expect confirmation of its removal to ensure. I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently paid off a balance owed to XXXX XXXX through an agency named Waypoint. I paid the amount in full and they guaranteed they would remove their claim from my credit report. I still have yet to acquire anything from them that indicates paid in full! My claim is also against XXXX XXXX. I switched plans from XXXX to XXXX, XXXX was to pay off my debt from XXXX. Because XXXX was delayed in doing so XXXX placed a collections action on my credit report. After going back and forth with XXXX they finally sent me cards to pay my XXXX bill. I took care of it through Waypoint and on XX/XX/2018 paid then through the online portal. I still have not heard from them. They are impossible to get in touch with. I have tried calling them several times o speak with someone and can not leave a message or take care of getting this removed. 

They said they would remove my XXXX XXXX from my account and I need this done asap as I have done everything in my power to do the right thing. 

Account Number XXXX with Waypoint
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, the Zelle customer support failed to assist me as a victim of fraud. I tried to Zelle someone {$300.00} in exchange for concert tickets that were not real. When I immediately reported the fraud to Zelle and asked them to cancel the transaction, they failed to take action to protect me. Zelle did not do any investigation into the scammer, failing to protect future victims as well.