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

THIS IS MY LAST TIME TRYING TO HAVE THIS MATTER CORRECTED BY EQUIFAX. IF THIS FINAL INFORMAL ATTEMPT DOES NOT MAKE EQUIFAX TAKE THE ETHICAL, MORAL, & LEGAL ACTION REQUIRED & MANDATED BY THE FAIR CREDIT REPORTING ACT I WILL, WILL, WILL, ETC GO TO MY LOCAL COURTHOUSE AND FILE A LAWSUIT IN SMALL CLAIMS COURT ( CIVIL DIVISION ) FOR EQUIFAX KNOWINGLY AND WILLINGLY VIOLATING MY RIGHTS GRANTED TO ME BY THE FCRA. I advised EQUIFAX that a unauthorized hard hit inquiry is reflecting on my credit report. I asked EQUIFAX to conduct an investigation and confirm if the hard hit inquiry was authorized by me. Furthermore, if it was determined I authorized the hard hit inquiry to please provide me the name, contact phone number, date of contact, & A COPY OF THE credit application signed and dated by ME. I repeatedly get the same standard response from EQUIFAX ( PLEASE REFER TO THE ATTACHMENT ). EQUIFAX RESPONSE CONFIRMS THIER DERELECTION OF DUTY AND DISREGARDING THE NEGATIVE IMPACT THAT THIS UNAUTHORIZED HARD HIT INQUIRY ON MY CREDIT SCARE & CREDIT WORTHINESS. THE PREVIOUS CFPB COMPLAINT REGARDING THIS MATTER IS COMPLAINT # XXXX. 

Cc : The Honorable XXXX XXXX XXXX County Court House ( Civil Division )
Product: Debt collection

I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized used of my credit report.
Product: Credit card

Hello, This is for a business credit card with CapitalOne in my name. 

We have an advertising account with XXXX. Unfortunately, XXXX locked us out of our account beginning in early XXXX as XXXX thought our account was hacked. No amount of messaging with XXXX support could resolve the issues. XXXX doesn't provide any phone # to call so everything must be done over chat. 

XXXX kept billing us for ads on their platform, despite us not having any access to our accounts. After more than XXXX weeks of back and forth with XXXX, I called CapitalOne to dispute the recent charges. We had no knowledge of any ongoing ads, and we could not turn ads on or off, nor could we update ads as we normally would, as XXXX had locked us out. 

CapitalOne requested that I provide proof that I didn't get any ads, which was impossible as I was locked out of XXXX. I explained the situation in a letter to CapitalOne, and provided some screen shots of our chat history with XXXX to prove that we were desperately trying to get them to unlock our account but they wouldn't. 

CapitalOne has rejected my dispute and demands that I pay more than {$9000.00} in advertising that XXXX ) I don't even know if I received, and XXXX ) wouldn't have been the advertising that I would have chosen, as we change product advertisement on a weekly basis to match our business needs. 

I will not pay.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter.

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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX IN Account # XXXX, XXXX CARD SERVICES Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX MI XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court or competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Debt collection

Acknowledge Debt Resolution contacted me via telephone stating they had a judgement enforceable for 20 years based on an XXXX XXXX credit card account established during XXXX and closed XXXX with a balance of XXXX. I contacted XXXX XXXX security and they confirmed that such an account exits having my credentials. This account was established by someone other than myself of whom I have no knowledge. 

The account was transferred through multiple organizations before purchase by ADR. ( XXXX ) When I requested a copy of the judgement from ADR at the above number, the collector admitted that they did not have a judgement and had not filed any case in any civil court. 


Contact Us Thank you for your interest in contacting us. We are open regular business hours and do our best to return calls, emails and web messages as soon as we can. If your matter is urgent, please be sure to call us during the day, Monday through Friday from XXXX to XXXX. 

Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Send us an Email : XXXX Call Us : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX : XXXX XXXX XXXX
Product: Vehicle loan or lease

I leased a XXXX XXXX in XX/XX/XXXX. I have never missed a payment and have paid more than the required payment on most occasions. I always mail my payments in and did not have an issue. In XX/XX/XXXX I did send a double payment via mail as usual. I received a call on XX/XX/XXXX from a phone number I did not recognize. I received a call the next day and I found out that my payment has not been received. I did make a payment for XXXX and XXXX while I was on the phone with Lincoln Financial on the same day. I did not receive any other communication from Lincoln Financial regarding the miss payment before XX/XX/XXXX. The day after the payment was made I was informed that my credit score has been negatively affected not for the late payment but for being delinquent for the total amount of the remainder of the lease. I have called Lincoln Financial at least 10 times regarding this matter. I was told that the dispute department only corresponds by mail. I mailed 2 letters to Lincoln Financial and finally received a response that basically said they stand by their decision. I could have easily blamed it on COVID and requested 3 months relief ( no payments for 3 months ). I do not think this situation was handled fairly, properly or professionally. I feel I am at the mercy of Lincoln Financial and they are not willing to listen or work with me at all.
Product: Prepaid card

I received a letter from XXXX XXXX XXXX  child support office stating that there is a XXXX  Prepaid Card issued by Comerica that was to come with the letter however there is no actual card and this has happened on numerous occasions. This is for a child support related case that I have yet to receive any financial allotment by the non custodial parent and when I reach out to the child support office I only get the run around that they cant find the other party. Suddenly, and not the first time, I get a letter telling me that I have XXXX options to choose from to get my payments, XXXX being to use this XXXX XXXX that IS NOT PRESENT. The verbiage insinuates that the card was to be a part of this piece of mail. I need someone to assist me. Please and thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this CLIENT NAME without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

FOR XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FOR EQUIFAX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XX/XX/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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit card

On XX/XX/year> and without my knowledge a Citibank Best Buy credit card was applied for and approved then used three times to purchase items in-person at Best Buy store XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX 
First transaction at XXXX totaling {$1000.00}. 
Second transaction at XXXX totaling {$840.00}. 
Third transaction at XXXX totaling {$840.00}. 
All three transactions completed using a look-up not a swipe method. I received emailed receipts for all three transactions. 
On XX/XX/year> I contacted Best Buy and reported the issue. I was transferred to Citibank and reported the issue. I was told by Citibank the account will be closed and an investigation started. I was told to contact the store directly and the local Police Department. 
Citibank Consumer Protection informed me the credit card was issued with my short form " nickname '' not my full legal name. I was informed corrections may take 60-90 days. 
On XX/XX/year> I went to the XXXX Police Department to file a report. I was handed a packet to be completed and notarized and returned. I was not provided any additional assistance at that time. 
Also XX/XX/year> I went into the XXXX Best Buy and reported the issue. They added to the existing report on file, that I made contact at the store, was in possession of the receipts and added text message updates to my phone number. I was informed a Best Buy Corporate Verification Team may contact me. I was told they can not print the report.

I have attempted to contact the three credit bureaus with mixed success. 
XXXX can not log me in without additional information and phone calls are unsuccessful. XXXX was easy, a fraud alert has been placed. XXXX will not allow any access without credit card information.
Product: Checking or savings account

I have filed XXXX complaint XXXX against PNC. I was scammed out of XXXX on XX/XX/26 and I am not so sure this wasn't an inside job. I have been told XXXX  times that the money was still at the wiring company while they investigated the dispute. Then when I push them as to why they would not return this money when they knew I had been scammed out of it they send a letter on plain white paper saying they were unable to get the money back. Not on PNC letterhead which also made me suspicious. 

This bank has handled this very poorly and I don't know who to trust there anymore. I dont know if I am taking to the bank or a scammer. I feel they are putting me off hoping I will go away and it's not going to happen. I am going to contact an attorney this week and discuss it with them. 

I want this bank investigated they put a hold on what little money I have left in my savings account which I was told they can't do that only the acct holders and irs can do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified mail with license proof of address and social card. My credit report contains many old address or unknown address that does not have to appear per FCRA.my credit report should be 100 % accurate. i informed you of this. you refuse to remove the old outdated address. Its affecting my score and thats affecting my life financially and mentally. 
Name-XXXX XXXXXXXX DOB-XX/XX/XXXXEmail-XXXX addressXXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX phone # XXXX social # XXXX please remove my work history on my credit report. its not lawful, i sent proof of verification before and i now have to go through the CFPB for help. please send me a copy of my report after all the changes have been updated.
Product: Debt collection

I have sued by Midland credit management , Inc because of credit card debt, they hired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can not recognize this account belongs to me, I filed an Answer that I denied all complaints, and ask the court to dismiss this case. I also sent a letter to this company to ask them to remove all credit reporting and stop attempting to collect this debt, meanwhile, I report to credit bureaus. Because they are failed to provide all evidence I requested, including the original agreement between me and the original creditor with my signature and interest that they use to calculate the total amount ; the agreement between the original creditor and them to prove that they own this debt. 
However, they had ignored my request and filed a motion for summary judgment. This is a violation of federal law.
Product: Money transfer, virtual currency, or money service

Late at night on XX/XX/year>, I had to XXXXXXXX XXXX XXXX XXXX rent to her landlord. Mistakenly I Zelled the rent of {$700.00} to XXXX XXXX XXXX who is employed by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I received a Debit card in the mail from Cash App to scan a QR code and activate my account, however I do not have a cash app account nor have I request cash a app card through any means. This account was opened without my permission and is fraudulent activity.
Product: Debt collection

This bill was pay by XXXX when I was XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX Was facing foreclosure at a residence i shared with past girlfriend with children. Joined in re financing to help save her house. i feel like i was never made aware of how poor our new loan was going to be. Think back in XXXX the house was worth XXXX my payments went up approximatly XXXX dollars, from XXXX a month to XXXX a month and i owe more now then before. Think last time i checked i owed XXXX so on this 30 year loan i feel like i am totally getting taken advantage of. Couldnt ever disagree. would have lost her house. Ive exspressed how much i thought i had the worse loan any one could evr have. they could care less. Wells Fargo.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a certified letter to Equifax requesting the removal of a fraud alert from my credit report. The tracking number for this correspondence is XXXX. According to USPS records, Equifax signed for the letter on XX/XX/year>. However, as of today, the fraud alert has not been removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to address my request to remove the fraud alert within a reasonable time. Specifically, Section 605A of the FCRA outlines consumer rights regarding fraud alerts, including the obligation of credit reporting agencies to process such requests promptly. Failure to comply with these obligations may constitute a violation of the FCRA.

I respectfully request the CFPB to intervene and ensure Equifax removes the fraud alert promptly as per the law.

Supporting Documentation : USPS Certified Mail receipt ( tracking number XXXX ) USPS delivery confirmation showing Equifax received the letter on XX/XX/year> Copy of the letter sent to Equifax requesting the removal of the fraud alert
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft. 
Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act XXXX XXXX Account : {$3700.00} XXXX XXXX XXXX XXXX, Account : {$8700.00} XXXX XXXX : {$5000.00} Enclosed are the following : Theft Report and proof of my identity.
Product: Credit reporting or other personal consumer reports

CFPB, EXPERIANS IGNORING MY DOCUMENTS THAT SUPPORT MY DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau Subject : Complaint Against Experian for Violating Rights Under Arbitration Law Dear CFPB, I am writing to formally lodge a complaint against Experian regarding the continued reporting of inaccurate address, name information on my personal credit file. Despite my previous attempts to rectify this issue, Experian has failed to correct my records, which I believe is a violation of my rights under the arbitration law. 

Details of the complaint are as follows : inaccurate address XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX Correct Address : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. 
XXXX XXXX This inaccurate information is affecting my ability to secure loans. I kindly request that the CFPB investigate this matter and assist in ensuring that Experian corrects my personal file in accordance with the law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I filed a dispute in the first week in XXXX and the sent me an email on XX/XX/2018 saying they had the results. Since that time I have called 3 times and tried to get the results. The link they provided didnt work and when I called the representative said they were having problems with the site and after I gave the confirmation number in the email they said they coffins it. One representative told me they didnt have technicians to fix the problem or for me to speak to.
Product: Checking or savings account

TD Bank negligently attached my social security number to someone elses account. I need to know what information regarding this account was furnished to the iRS and local and state tax entities with my social security number.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( XXXX ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint regarding inaccuracies on my credit report. However, these account is still appearing on my credit report. 


Company or Organization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX ) Account Number : XXXX Date Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Amount : {$76000.00} Company or Organization : XXXX Account Number : XXXX Date Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$720.00} Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$23000.00}
Product: Bank account or service

Regions Bank charged my account for a XXXX charge that I did not authorized and made my account overdrawn with insufficient funds. This caused a {$36.00} fee Regions charged to me. The XXXX charge was not authorized and Regions charged it to my checking account.
Product: Debt collection

I sent a letter to Capio Partners on XX/XX/XXXX requesting debt validation for medical bill for {$320.00} They sent me a letter stating they needed more time and sent documents on XX/XX/XXXX of a bill that was already paid by XXXX XXXX XX/XX/XXXX. I reached out verbally to XXXX XXXX collection department and was advised the debt is still owed. I emailed documents from XXXX XXXX  of the OVERPAYMENT made {$430.00} to the hospital to XXXX XXXX at XXXX XXXX XX/XX/XXXX and she states this balance is still owed. XXXX XXXX provided me with information that the debt was paid. I and wanting to file a complaint regarding collection of debt that was paid in XXXX.