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

On XX/XX/2018, I was notified of a fraud alert on my Visa card issued by Capital One. The card was subsequently cancelled and a new one issued by the card issuer. When I received the new care, on XX/XX/2018, I went to go update the new card number with a number of merchants that I do business with that have my card stored as an auto pay. 

At this time I discovered the existence of something called " Visa Account Updater '' which is a program by which the updated number is transmitted to some merchants who have signed various agreements with Visa. As a person who is deeply concerned with data security and protection, this program disturbs me and I want to opt out of it. 

Capital One informed me that it was the responsibility of Visa. Visa informed me that the only way to opt out of it was through Capital One. I went round and round back and forth with them, until I was able to get a Capital One agent to call Visa with me. And then the Visa account rep said they would connect us to the person who was responsible for processing the opt-out, and ... connected us to the Capital One general services line! 

I did additional research and found that there are many card issuers who DO process Opt-Outs from the Visa Account Update program. But Capital One does not.
Product: Debt collection

a credit report was submitted into XXXX that was not mine ( if there is a social security number that comes along with that report then they should have verified it to see if it was mine ) on XXXX/XXXX/2012 from XXXX XXXX XXXX XXXX in XXXX. under the original Creditor : XXXX XXXX XXXX, Account number XXXX. I checked with the Collection Agency and I was told that it had a different SSN under the same name. The supervisor told me he would clear that up three weeks ago, but I did not see any change in my report.
Product: Checking or savings account

Account was closed XX/XX/XXXX with a balance of approximately {$19.00}. This balance was never received. More than 4 calls starting in XX/XX/XXXX were placed with the company in an attempt to have the final balance sent to me. It is now XX/XX/XXXX and I still have not received the account balance. I have spent over 4 hours on the phone with customer service representatives, but still have not received what is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I have been patiently waiting on their response to the written requests I sent in TransUnion. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks... 

If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... 

( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX  XXXX XXXX and Capital One. The Account Opened is XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$670.00}. The Account Opened is Capital One Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Capital One Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit card or prepaid card

I made on-line purchase of TV on XXXX XXXXXXXX XXXX Since the vendorXXXX XXXX, is not well-known, I choose pay it through the Paypal ( Transaction ID : XXXX ). Once the payment was made, I had bad feeling because no confirmation or schedule delivery email was received. I contacted Paypal to cancel the payment but was told the transaction is not ineligible purchase protection. 

There is no warming or option of selecting such protection when I made purchase. I made purchase based on assumption of big company like Paypal would block fraud. 

As of today, no any response from XXXX and contact email. The seller didn't make any attempt to deliver the goods. It is a fraud and swindler. I tried to alert the Paypal. Its response is that the case is closed. 

I would like bring your attention to Paypal covered swindlers and am wondering how many victims out there.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity is under threat of being stolen. Loss of significant funds. They did not provide sufficient protection of my sensitive information.
Product: Payday loan, title loan, or personal loan

i did not approve of this credit inquiry never applied for anything with this company ever
Product: Bank account or service

this is relating to a compliant # XXXX XXXX XXXX XXXX 
I printed off of the records that were sent to this web site.. I had not received many of these debt collection notices and trying to go over these and figure out why I then notice many of these notices did not have my correct address.. even XX/XX/XXXX you had my current address of XXXX XXXX XXXX... but XX/XX/XXXX and XX/XX/XXXX both letters were sent to the wrong address some where in XXXX XXXX and then an address in XXXX XXXX .... so i never received these letters ... as i have stated in my last letter XX/XX/XXXX i did try my best to pay this bill at the XXXX US bank and told that the books were closed then i never heard anything else till XX/XX/XXXX. ;. without any notice XXXX were taking out of my account with no court order, notice or anyway to try and make future payments the letter about making payments for 6 months i never received that notice.. but it was at the right address i do not know why i had not received that notice.. ( was that letter really ever sent i would like to see the post mark on the envelope if you do still have it ). I am asking you to please keep the money that was owed to make up for the out standing checks. but would you please consider omitting the bank fees so I can at least have a small amt of money to pay day care your reconsideration would be very much appreciated If this matter is not resolved I am prepared to take this dispute further for the sake of my rights and for my XXXX son .... I feel like my rights have been invaded that some one can take the money from my private account that the goverment gave me to further my education and help with my expense while XXXX I dont feel this was done in a rightful or legal matter XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

I have numerous transactions on my Chase debit card that I disputed. Outpost promised me if I pay {$250.00} that I could get a full refund because my mother died of XXXX. They will not return ALL my money and I paid 6 months in advance in XXXX. Chase bank is giving me the run around. So now Visa is getting involved. Also XXXX- Outpost partner company lied on me because they had a charge disputed. Chase now is removing {$760.00} from my account saying that the merchant paid me. They admitted that they lied because they wanted to get their fees back after I nicely resubmitted payment. I'm XXXX and on XXXX they are stealing from me and SSA.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$880.00} ; XXXX  XXXX ( Original Creditor : XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance Owed : {$660.00} ; DOE  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XX/XX/2023 ; XXXX XX/XX/2XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The argon agency ink is reporting a debt of {$2100.00} owed for my nieces visit to XXXX XXXX XXXX in XXXX  Florida on XXXX XXXX, XXXX 
My niece fall at her home and could not get up. Her knee popped out of place. Her mother was unable to get to her in a timely fashion so she called me and I picked her up and took her to the ER to get her assistance. While in the ER I did nit provide my information other than my ID because I told them her mother had insurance for her, which she does. Long story short the company is report this as negative on my credit report. Ive disputed this on my credit report even provided my nieces mothers name and contact information. Furthermore, the mother agrees with me that this is her debt and not mine. I have never receive a bill or any communication about this debt other than it being reported on my credit reports. Id like this removed from my credit report immediately as this is not accurate nor is it fair to me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I submitted my complain to the company and they still are half doing their jobs. XX/XX/XXXX I submitted a FTC and a CFPB to the company about fraudulent activity on my account. I wanted inquires removed off of my credit file that did not belong to me. Luckily there were no account opened, but inquires did appear on my credit report. In the first CFPB the company removed some, but not all of the inquires. To only half complete my claim is unfair and unlawful to me. Please rereview this information and correct the missing information or provided the results of the first investigation stating that these inquires should remain on my credit file. 

I have resubmitted the documents with highlighted the missing inquires that they failed to remove. As well I will list them here : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX Notification of results must be provided and it is extremally unlawful to not provide the results of your investigation. Hopefully this time we will not have to have the same results. 

Attached are the original documents provided with the first CFPB and the original FTC. Along with the results of the first CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed 3 different letters to each Credit Bureau XXXX, Equifax and XXXX within the legal timeframe to give them time to investigate. I did not get any letters or responses from neither of them. First letters was mailed on XX/XX/XXXX to all 3 Bureau. Second Round of letters on XX/XX/XXXX and the last round of letters was sent on XX/XX/XXXX. I still have not heard anything from them.
Product: Checking or savings account

My husband has recently deceased, i as the widow with a XXXX was in the process of requesting from the XXXX court to grant me access to my husband XXXX XXXX accounts. In the meantime, my husbands mom contacted Bank of America regarding her account where my husband has control as she is an elderly. After she notified the bank her son passed, the bank froze all my husbands accounts with XXXX balance. As my husband was the primary earner for the family, most of the payments including major autopay for such as child daycare, mortgage, apartment maintenance, among others, were set to go through this account. I contacted their customer service on XX/XX/XXXX but they did not or could not to explain to me if those autopay will go through. Bank of America did not try to contact my husband by phone or by mail before restricting his account. The restrictions put me in a very difficult financial situation and risk of losing my housing and child care. I am filing this complaint due to the financial hardship and other penalties or fees to incur due to their practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated that XXXX XXXXXXXX XXXX account Number XXXX which is currently a charged off account, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the balance is inaccurate, and the Dat

e last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 604 A section 2 : The law clearly states that a consumer reporting agency can not furnish an account without my written instruction. I havent given written permission for this company to furnish this account on my credit report.
Product: Money transfer, virtual currency, or money service

Chase Checking account : XX/XX/XXXX XXXX withdrawals of XXXX each XX/XX/XXXX XXXX withdrawals of XXXX each XX/XX/XXXX reversal replaced stolen funds XX/XX/XXXX reversal again withdraw {$1800.00} All withdrawals were done through XXXX XXXX Credit Card, which was a fraud due to the fact that a verified with XXXX XXXX that I do not have an account with proving the fraud was done by a hacker.
Product: Money transfer, virtual currency, or money service

OnXX/XX/XXXX at XXXX XXXX I purchased a MoneyGram money order for {$670.00}. This was for my rental payment which is due that same day. I made the purchase at XXXXt XXXX store # XXXX, located at XXXX XXXX XXXX XXXX GA XXXX. Sometime during my continued shopping and leaving the store, I lost it. I then immediately returned to the store at approximately XXXX XXXX and spoke with a store manager, in an effort to have the lost money order voided, and replaced with a new one. 
After obtaining a copy of my debit card receipt, I then asked the store manager to replace my ( XXXX ) money order under MoneyGram 's replacement policy. I was then told by her, that I could not receive a replacement of my money order from them, and that I needed to call MoneyGram to address the replacement issue. I then called MoneyGram while still at the store, at XXXX and chose option # 4 " for help with something else ''. Under this option, I then chose option # XXXX to request replacement on a money order that was lost, stolen, or damaged. 

Under this option I was again informed that I was " untitled to request a replacement ''. However, as the recording continued, I was then deprived of the option to have the money order replaced, through fraudulent audio instructions, which deliberately switched the " request to replace money order process '', over to a " request for refund of money order process '', through which that attempted to exploit me for more money. 

I spoke to customer service about this attempt to exploit my situation through this clear change in the replacement processing instructions, but they refused to address these acts of fraudulent misrepresentation, which I recorded in their entirety. 
At the time MoneyGram made these " money order replacement '' representations that day, they clearly knew that they were false and untrue, and that they were being made with the intent that I, and other consumers would rely upon them. As a direct result, I as a consumer being unaware that MoneyGram 's  representations were false or untrue, did reasonably rely and act on their representations. 
As a result, I currently stand to suffer the following losses due to my reliance upon their false or untrue replacement representations : 1, Theft of {$670.00} by potential criminals, seeking to fraudulently cash the lost money order, due to MoneyGrams refusal to immediately provide an in store replacement. 
1. Late fees of XXXX dollars afterXX/XX/XXXX, for late rental payment due to non-replacement of {$670.00} money order purchased onXX/XX/XXXX. 
2. Eviction proceedings for delinquent nonpayment of rent, due to non-replacement of {$670.00} money order purchased on XX/XX/XXXX. 

I am therefore requesting the immediate return of my {$670.00}, back into my account, so as to avoid the unnecessary losses which I stand to currently incur. If this matter goes beyondXX/XX/XXXX. I am requesting all late fees and penalty costs as well. 

Sincerely, XXXX XXXX CC : Consumer Financial Protection Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is incorrectly reporting a collection account in the amount of {$510.00} on my credit report. I have no knowledge of this account, have never had a late payment in my life. I contacted Puget Sound Collections to try to rectify this situation as it has dropped my XXXX+ credit score by 75 points! I was treated very rudely, and told they do n't have the phone number for the original creditor and all she can do is mark their file ( not my credit report ) as a verbal dispute. I finally researched this so called " original creditor '' and found a phone number myself. I contacted XXXX XXXX, whom Puget Sound Collections claims is the original creditor, and I spoke directly with the owner of the business. She stated that her company does not even use a collection agency. I did have her search her records for me, which she assured me she has no record of. To be honest, I would like to think I would notice if one of our two cars was towed, but they are both still here ... in my driveway ... where they belong ... because they WERE N'T towed! I informed XXXX XXXX, a manager a Puget Sound,  but she also did not wish to provide any assistance. I have since filed a complaint with the credit bureau directly, but this company needs to have their collections practices reviewed and revised accordingly. It is absolutely unacceptable that I, a consumer with perfect credit history, should be treated with such disrespect and disdain by a company that has zero legal standing. I am appalled and disgusted and I intend to do everything in my power to force this company to abide by the FDCPA and follow legal collection practices, which do NOT include berating a consumer who has no business with them.
Product: Credit reporting or other personal consumer reports

Experian continues to report XXXX store card despite being dismissed by XXXX  and XXXX effecting credit score and applications for XXXX XXXX referenced by them and not the other agencies.