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

I have been having an ongoing dispute with XXXX credit card. I never received my replacement cards back when I reported them lost/ stolen first in XX/XX/XXXX then again in XX/XX/XXXX. Someone made fraudulent charges to my accounts. I received a statement today and it appears that Bloomingdales has resolved the dispute for fraudulent charges made in XX/XX/2022 but I have no idea what the balance of XXXX is for. I have been trying to work with their fraud department to resolve the issues but can't seem to get a straight answer. 

I nor did my authorized user on the account make any charges since neither of us ever received any of the replacement cards sent by Bloomingdales
Product: Debt collection

I have tried multiple times to contact them via email, or mail so I have written proof. They continually call me and when I email them specifying I dont want them to call they dont honor! I have tried disputing the debt but it still on credit! They are an aweful company and dont care. They contact my family members which is illegal.
Product: Credit reporting or other personal consumer reports

I pulled up my credit report and noticed some alarming details. Under the regulations set forth in 15 USC 1666b, late payments linked to accounts identified as XXXX from XXXX XXXX XXXX XXXX from XXXX for account XXXX XXXX from account number - XXXX XXXX XXXX XXXX  and account number - XXXX XXXX XXXX XXXX the late payments must be removed from my credit report. Furthermore, pursuant to 15 USC 1692g and in accordance with the updated Fair Debt Reporting Act ( FDRA ) guidelines, the account referenced as XXXX is to be expunged from the report. Moreover, as per 15 USC 1681B and in adherence to section 604, all charge-offs must also be expunged from the report.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX Account name : XXXX, XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX FL ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX, 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 an account without my written instructions.
Product: Vehicle loan or lease

HELLO I am writing your office today to file a formal complaint against, CAPITAL ONE AUTO FINANCE, & XXXX XXXX XXXX am requesting that this matter be thouroghly investigated. Late last year, I requested a quote from Caiptal One they gave me quote, meanwhile I found another company that gave me a better rate so, I proceeded with them, I let Capital One know that I was no longer interested.OnXXXX, I received a call from the company I chose says that they called to get the balance from XXXX and they told them that it was XXXX. So called XXXX XXXXiled a complaint that I never authorized this loan and to forward all document on this loan for my review.Then I called XXXX XXXX and ask them why would they push my throw without my approval, filed writen compliant requesting my signature on any document and all verbal authorization they have, They both verbally agreed on recorded line to UNWIND the loan and correct the error, said it would take 30days. On XX/XX/2023 Rep from Capital One called said XXXX is not sending check back.the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX - partial account number XXXX. ( Please see page 12 of the attached credit report. ) I called to let them know that I did not give permission to be added as an Authorized User. XXXX has removed this line item from my credit report but XXXX and Transunion have not. I have contacted the bureaus to remove this from my credit report however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed.
Product: Credit reporting or other personal consumer reports

This is a Request per Title 15 USC 1681i Request for description of Procedures used to Determine Accuracy and Completteness of information verified that I disputed XX/XX/2023 via CFPB Complaint database # XXXX and they were verified XX/XX/2023. 

Please provide evidence of your reasonable procedures that you used to come to such conclusion that this information is verified. 

Who did you talk to? 
When did you talk to them? 

Please give me the names of individuals that you spoke with.

Please provide their addresses and telephone numbers in accord with FCRA Title 15 1681i Description of Reinvestigstion Procedure ( 6 ) ( B ) ( iii ).

I disputed regarding my Privacy Rights being violated under 15 US Code 6802 The Gramm Leach Billey Actt ( GLBA ) which states a federally protected consumer like myself should be given clear and conspicuous disclosure regarding NOTICE that I have a right to Opt Out or Opt In to credit reporting before my non public personal information is disseminated to non affiliated third parties.

Additionally, the LAW also states I have to give PERMISSION before my non public personal information is transported to consumer reporting agencies etc.

I gave no one at anytime PERMISSION!!

Please provide your procedure leading up to these accounts being verified These companies are financial institutions as defined under Section 1843 ( k ) of title 12. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is so annoying & frustrating. Ive sent TransUnion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnions responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX Date opened XX/XX/XXXX, XXXX XXXX Date opened XX/XX/XXXX, and XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1500.00}. Please remove.
Product: Money transfer, virtual currency, or money service

I became a customer of Cashapp in XXXX. The debit card info that I entered to do transactions is tied to only one of my XXXX XXXX accounts. I have a total of 3 XXXX XXXX accounts. Upon initiating my first transaction to send fund out, a message popped up that said : " select the account to want to use ''. I was shocked that it said that because the debit card is tied to only one of my accounts. They ( Cashapp ) had access to all three of my accounts and showed the balance in each account. How did they get access to my other accounts and how would they even know that I had other accounts when the debit card is connected to only one account? I needed to get the transaction done, so I selected the account that I wanted to use. After doing that, I called XXXX XXXX and verified that the debit card I used with Cashapp is tied to only one of my accounts. Then I started asking Cashapp how were they able to know about my other accounts, when my debit card is connected to only one account. Cashapp started sending me generic responses. A few days passed, so I called XXXX XXXX again and they confirmed that my debit card is tied to only one account. I explained to them what happened and told them that there must be some type of security breach for Cashapp to access all of my accounts. XXXX representative said they will check into it, but I haven't heard anything back from them. Again, I contacted Cashapp with the same question. They have replied to me several times but with only generic responses, as if I am communicating with robots. I advised them that I was going to file a complaint because I did not give them any authority to access my other accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX XXXX {$380.00} XXXX  XXXX {$640.00} XXXX  XXXX {$750.00} XXXX XXXX XXXX   XXXX {$260.00} XXXX  XXXX {$190.00} US DEPT ED XXXX {$1700.00}
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I was told that I needed to pay a down payment along with a finance charge. I dont know if it was the dealer or the bank but I was unable to obtain financing. I personally think it had more to do with XXXX XXXX  than my ability to pay back borrowed money.
Product: Debt collection

There are 9 student loan collections reporting to XXXX in error which is dropping my credit scores XXXX points and it is inhibiting me from getting a home loan. 

There are also 2 student loan collections reporting to XXXX in error. 

XXXX XXXX has deleted all of the student loan collections. 
XXXX hasnt deleted any of them. 
XXXX has deleted all but two of them. 

They should have all been removed from all three credit bureaus because of me completing the govt rehab program in XX/XX/2022. I was told they would be removed within 30 to 45 days however, it is now 60 days later and there as collections still reporting.
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check from a relative 's workplace as a partial payment for my car. I forgot to endorse the check to my name, but I did write 'only for Truist mobile deposit ' on the back, as requested by the mobile app. The same day, I received an email from Truist stating that my account was on hold and the funds were unavailable. On the XXXX, I received another email saying my account was locked due to a fraud investigation. I called the XXXX department and explained the situation, offering to re-deposit the check with my endorsement. They asked questions about the check and said they would respond by XX/XX/XXXX. When I visited the branch on XX/XX/XXXX, the representative treated me like a criminal, stating that I had been marked for fraud and could never open an account with them again. They said my money would be sent to me by mail if it's cleared. I was shocked and confused. On XX/XX/XXXX, I received a letter stating that my account was closed, and the remaining balance might be seized, returned to the original owner, or sent to me by mail. I still don't understand why this is happening, why I can't access my account or my money, which has been frozen for almost XXXX weeks. This was my direct deposit account, and I had only had it for XXXX months.
Product: Debt collection

I received an alert from XXXX XXXX, showing Radius Global Solutions has reported a debt that they alleged I owe. I never received any notice to dispute the validity of the debt,
Product: Credit reporting or other personal consumer reports

Letters were sent to XXXX on XX/XX/year> via certified mail to XXXX. They had received the Certified letters with copies of identification and utility bill for proof with all items that were in dispute. 

I have not received any letter or response regarding my disputes within the 30 day period and are in violation of Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 1 ) ( A ).

They have not provided how they verified the information and I am demanding Equifax to remove inaccurate and unverifiable information of that which includes : Any variation of my name of other than my full name, they have one variation that is inaccurate after being provided proper identification for proof.

Any address that is not of the identification that I provided them and calling into question how can they verify that address and since it's unverifiable it is their responsibility to remove it, they have 2 that are inaccurate per the record I pulled and If they have any further beyond the identification for proof I supplied, should be removed. They were also advised that I was not provided an opportunity to opt out of and un-authorized reporting and have contacted any current, prior or future reporting as required under 15 US Code 6802 and are still continuing to report as such. They are also in violation for inaccuracies 15 US Code 1681S-2 and 15 US Code 1681c. They have not provided the evidence that the payments were late, terms of agreement and the exact amount and how it was calculated. They have multiple other violations regarding credit reporting inaccuracies that are different across all reporting bureaus. This is a violation of 15 USC 1681s-2 and 15 USC 1681c . Again they did not provide method of verification and these inaccuracies are harmful to me.

Exquifax clearly is not doing proper investigation and I am demanding for everything to be rectified with them. They have been sent another letter not only to them but also to their legal department.
Product: Credit card or prepaid card

On XX/XX/XXXX, my wife made a routine purchase using our Capital One Venture card. The purchase amount was about {$750.00}. Immediately, the charge was denied due to lack of funds. We've had this card for over 7 years, paid all payments on time, and have never gotten close to the limit except for maybe a couple of occasions. Capital One has reached out in the past to confirm if a purchase was valid before, but it was always resolved quickly. This time they only sent an e-mail to call. I called Capital One to figure out what the issue was. The representatives informed me that the card was put into 'restricted ' status and would not be opened until I provided a copy of my driver 's license, a copy of my Social Security Card, AND a copy of a recent electrical bill to prove residency. I explained that the information they are requesting is unreasonable and there have never been any issues with my account before. I was transferred to a 'manager ' who echoed the same request for documentation. XX/XX/XXXX, I called again to hopefully find another means to resolve the issue. I spoke with another 'manager ' who repeated the same request for documentation. I can not get my account unrestricted in any way without providing these documents to them. Capital One refuses to disclose any information as to why my account was set to restricted until I provide them the documents. They have provided NO OTHER means to resolve the issue or any information regarding the issue until I provide those documents. When asked where in the Terms and Conditions it states that this is required the agent cited a section and language that does not appear on the Terms and Conditions Capital One has on their website. I could not find where it's mentioned or why it is required in the Terms and Conditions. I do not feel Capital One 's request is reasonable considering that Capital One had a massive data breach in XXXX and sending these documents would expose me to greater risk than I am comfortable with. I have no guarantee or assure that my identity would be safe, other than the word of Capital One 'agent '. As an customer with, previously, good standing I feel that the treatment I have received is beyond unconscionable.
Product: Credit reporting or other personal consumer reports

Hello, In XXXX, I realized that my HSBC credit card had more than {$3000.00} in false charges on it stemming from a check ( it was not a checking account and had no checks associated with it ) to XXXX. It was my fault for not checking the balance more regularly ; I didn't check it because I never used that card. By the time I did, the fraudulent {$3000.00} had already been reported to the credit bureau. 

When I called HSBC to try to fix this, it took weeks and weeks of talking with them on the phone - they would not give me a contact person, so every time I called, I had to explain the entire situation again because they didn't keep notes. They told me to not pay the balance since it was fraud and would be removed from my account. Finally, after about 6 months, the fraudulent {$3000.00} was removed from the account and they sent me a letter ( attached ). But in the meantime, XXXX late payments were reported to the credit bureaus. I asked many many times for HSBC to change this, and they repeatedly said they had. Finally, I said please close the account, which at that time was at like {$50.00} balance and they said would disappear. It did not disappear. Note - XXXX removed this from my credit report. XXXX and XXXX did not. 

Of course, 4 years later, the late payments and that residual balance are still on my credit report. In fact, when I tried to dispute it with XXXX last year, they insisted that they talked to HSBC and that it was correct ( without providing any documentation ) and then all of a sudden a bunch of charge offs appeared on my account, making it worse. The initial charge off balance is now {$400.00} and seems to be continually going up, and no one will listen to me or help. They sent me no documentation other than the dispute results and a credit report ( attached ). 
XXXX opened XXXX disputes also confirming that HSBC was correct with no recourse and no documentation other than : Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX HSBC and the credit bureau say my account is closed. But this amount is listed every year as a charge off, creating more of a credit issue. I asked many times to speak to someone else at the credit bureau and at HSBC and they said it was not possible and refused to do anything about it. 

XXXX XXXX is XXXX on XXXX XXXX XXXX score is XXXX on XXXX XXXX XXXX report from XXXX  XXXX is XXXX XXXX score is XXXX I am truly frustrated and sad. 

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

The summary of my present and past credit status including open and closed accounts and balance information is fraudulent. All three credit bureaus are reporting erroneous information. None of the information reported is correct. 
Total Accounts Reported - TransUnion ( 16 ) XXXX ( 14 ) XXXX ( 12 ) Open Accounts Reported - TransUnion ( 14 ) XXXX  ( 2 ) XXXX ( 4 ) Closed Accounts Reported - TransUnion ( 2 ) XXXX ( 12 ) XXXX ( 8 ) Delinquent Accounts Reported - TransUnion ( 1 ) XXXX  ( 1 ) XXXX ( 1 ) Derogatory Accounts Reported - TransUnion ( 12 ) XXXX ( 11 ) XXXX ( 8 ) Collections Accounts Reported - TransUnion ( 11 ) XXXX ( 10 ) XXXX ( 6 ) Balances Reported - TransUnion ( {$27000.00} ) XXXX ( {$26000.00} ) XXXX ( {$22000.00} ) Payments Reported - TransUnion ( {$38.00} ) XXXX ( {$13.00} ) XXXX ( {$38.00} ) Inquiries Reported - TransUnion ( 4 ) XXXX  ( 3 ) XXXX ( 7 )
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. On XXXX XXXX, 2019, GM FINANCIAL add a hard inquiriy on my credit report per XXXX. On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.