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

I noticed XXXX charges on my card that were not mine. I immediately called Citi and after a few transfers I spoke with a very nice gentlemen and we went back through all XXXX charges for a few months while I looked in my XXXX app and figured out which ones were mine and which were fraudulent. I only had a couple that were mine this year. They cancelled my card and sent me a new one. A few weeks later I noticed more XXXX charges. I called again and spoke to some who said she would dispute them and did not need to issue a new card because the charges were still coming in on the old number but I would not see any new ones. A few days later and four more XXXX charges I called again and asked to speak to the fraud department directly. I was transferred multiple times. Then an incredibly rude woman asked me some question about my phone and personal things then said she was done. She then said this information would be passed to Citi. WHAT?? That set me off. I said you just asked me all of those personal questions and you don't work for Citi? After almost an hour on the phone she hung up on me. I can't believe I gave all that info and she was a third party. Citi should absolutely disclose that. Here we are the next day and two more XXXX charges are charged to my account. There are now 19 charges and counting totally over {$1200.00} and noone from Citi will do anything about it. She didn't even offer a new card she just simply hung up on me. Citi Bank has the WORST customer service and can't seem to even rectify a simple situation. Hanging up on me after 53 minutes of waiting on hold. UNREAL.
Product: Credit card

I never gave this company permissible permission to use my information or run my credit or put it on my credit report. I dont know what the Hecks going on.
Product: Money transfer, virtual currency, or money service

Google Pay will now allow me to delete my financial payment information from their service. This is a widely known issue. Essentially, if a person has ever paid for a subscription with a given credit card, google will maintain that payment information ( card #, exp date, cvv, etc. ) After expressly being told they do not have consent to do so. It is unacceptable that they will not allow users to remove a payment method at the users discretion.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against Experian for Failure to Properly Investigate Disputes Dear CFPB Consumer Assistance Team, I am filing a formal complaint against Experian for failing to properly investigate my dispute regarding an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] ). I have disputed this account through Experian multiple times, requesting a debt validation, yet Experian has continued to report that the account will remain on my credit file without providing proper verification. 

To escalate my concerns, I filed a complaint with the XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXXXXXX, and in response, XXXX XXXX XXXX XXXX XXXX stated that they've never received a request for verification, additional information, or dispute from me, XXXX XXXX. However, this statement directly reflects Experians failure, as I have repeatedly disputed this debt and requested verification through Experians platform. 

Furthermore, the attached letter provided by XXXX do not constitute proper debt validation, as they do not include the original contract or my signature, which are required for a legally binding verification. Because XXXX XXXX XXXX XXXX XXXX has confirmed they never received a validation request, Experian has not conducted a proper investigation as required under the Fair Credit Reporting Act ( FCRA ) 611. 

I request that the CFPB take the following actions : Investigate Experians dispute-handling process to determine why they are failing to properly transmit dispute verification requests to creditors as required by law. 
Hold Experian accountable for non-compliance with the FCRA. 
Ensure the immediate deletion of the XXXX XXXX XXXX XXXX XXXX account from my credit report, as it has not been properly verified. 
Require Experian to confirm in writing that the issue has been resolved and that future disputes will be handled correctly. 
XXXX failure to follow the legally required dispute process has negatively impacted my credit and financial well-being, and I urge the CFPB to intervene to ensure compliance with federal regulations. Please provide confirmation of receipt of this complaint and any next steps that will be taken. 

Sincerely, XXXX XXXX Attachments : Copy of XXXX XXXX XXXX XXXX XXXX statement via XXXX
Product: Money transfer, virtual currency, or money service

I have a checking account with wells Fargo. Due to my XXXX being stolen, several XXXX  transactions went thru for the amount {$580.00}. I disputed the transactions on XX/XX/XXXX. Due to other fraudulent activity i was told to file a separate claim for the XXXX transactions which i did on XX/XX/XXXX and was given the provisional credit. On XX/XX/XXXX i got a letter stating that the investigation was completed and that the provisional credit will be reversed since they say the XXXX  transactions where approved by me, which is untrue. The claim # i have with wells fargo is # XXXX. I did not make the transactions it was just by a push of a button on my stolen XXXX and if wells fargo honored the other fraudulent transactions totaling {$9700.00} ( claim # XXXX ) they should honor this as well. 

I previously opened a CFPB complaint ( XXXX ) that was closed because Wells Fargo said the information was sent to the wrong department. This seemed to be a way of avoiding the dispute. 

I mailed them another dispute including a copy of the police report ( XXXX ), which was certified and delivered a week ago, and they still have not acknowledged receipt or reopened my case and overturned the decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request that a line by line investigation of my inaccurate accounts be done immediately. My information is still reporting inaccurately on my credit report ( s ), and is not In Accordance With the Fair Credit Reporting Act. I am very disappointed that I have to request corrections on my report again. The information listed below is a violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Incorrect Accounts : XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX Bankruptcy : Bankruptcy Reference. Incorrect Name : XXXX, XXXX, XXXX, ML. Correct Address : XXXX XXXX XXXX XXXX, FL XXXX. Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX. 
Correct Address : XXXX XXXX XXXX, XXXX, FL XXXX. Incorrect Employment : XXXX XXXX, XXXX XXXX  XXXX XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681a-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccuracy.
Product: Credit card

My insurance company uses a third party vendor for roadside assistance. The vendor 's name is a XXXX. 

XXXX  Mistakenly build my credit card at capital one. They sent me a letter saying they won't refund the account until I cancel my dispute with capital one. I forwarded the letter to capital one and they have received it. However capital one will not honor my request to continue the dispute with the vendor. They have arbitrarily closed my case even though I sent them the letter where the vendor says they charged my account in error Capital One 's refusal to take my complaint seriously in light of the evidence I have provided Is a clear-cut example of capital One 's failure to take this process seriously...
Product: Credit card

I have tried repeatedly to set my account up online so that I can set up AutoPay, so that the payment is made on time and I don't have to remember to try to call them when I can make it home from work. I've called the number it shows on the screen to call so that they can figure out why the card I have has a number that the system doesn't recognize as being a valid account number. While I am on the call at the number shown on the screen, they tell me that it is a problem with Synchrony Bank and then they connect me to them. While I am on the phone with someone at Synchrony Bank, they tell me that the problem is with PayPal and connect me with them. This goes on and on until I get tired of trying and being on HOLD that I hang up. This has been going on for several months and I can't afford to have late payment charges because I can't access my account online and am too busy trying to work and take care of my Mother who is suffering from XXXX. I don't know who is supposed to be able to fix my account, but I am going to assume that it would be Synchrony since they are the issuer of the card.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax due to their failure to comply with the Fair Credit Reporting Act ( FCRA ) in addressing fraudulent accounts on my credit report. I recently spoke with a supervisor, XXXX, and was informed that my dispute was denied ( Case # XXXX ). My dispute concerns a fraudulent late payment on an auto loan account opened at XXXX Auto on XX/XX/XXXX, under account number XXXX, with a late payment reported in XX/XX/XXXX, and a credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, under account number XXXX. I provided Equifax with all required documentation, including a valid identity theft affidavit ( Report # XXXX ), proof of address, government-issued identification, and evidence linking me to a data breach. Despite fulfilling these requirements, Equifax failed to block the fraudulent accounts and late payment within the four-business-day timeframe mandated by FCRA 605B. Instead, I was informed that the accounts were " verified '' without Equifax disclosing the sources or evidence used to substantiate this verification. Supervisors stated that a manual block would not be performed due to their " policy, '' which contradicts the FCRA 's legal obligations. Equifax 's lack of action and transparency violates both 605B and 611 of the FCRA, which require timely blocking of fraudulent information and a reasonable reinvestigation with disclosure of findings. I am resubmitting my documentation and request that the fraudulent accounts and associated late payment be blocked immediately. Equifax 's failure to comply undermines my rights to accurate credit reporting.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account listed on my credit report by Portfolio RC Account XXXX XXXX. The account details are as follows : Portfolio RC Account XXXX XXXX I have never engaged in any business with Portfolio RC Account XXXX  XXXX and have no contract with this third-party debt collector. Additionally, I was never notified in writing about this debt. If any such notification was sent, please provide evidence of this communication before this account was added to my consumer report without my consent. The presence of this account violates the Fair Debt Collection Practices Act ( FDCPA ). If this account is not removed from my consumer report, I will pursue legal action to protect my rights as a federally protected consumer. 

Furthermore, the account balance listed on my report shows discrepancies. The current balance differs from the original balance, which raises questions about the accuracy and completeness of the information. 

I also question the presence of payment terms listed as " XXXX month '' on this collection account. This is contradictory, as collection accounts should not have such terms. Additionally, the status " COLLECTION ACCOUNT, past due '' is misleading since I have never opened an account with Portfolio RC Account XXXX XXXX. 

Please remove and delete this account from my consumer report immediately. There is also a date indicating when the account was supposedly opened, but I have never opened any account with Portfolio RC Account XXXX XXXX. If you claim otherwise, provide evidence supporting your right to report this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I received a copy of my credit report from XXXX, XXXX, and Equifax. I found a number of inaccurate information that was being reported, so I sent them each a request to look into these items. I did not hear back from them, so I sent another letter on XX/XX/2020 and I have not heard back from that one either. At this point, the bureaus are completely ignoring my request.
Product: Credit reporting or other personal consumer reports

Leafy Financial opened a collection account in my report I asked for information XXXX  driver license and original signature and it was not provided to me its not my account and they refuse to remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXXXXXX Balanced {$5000.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Plaintiff asserts XXXX  XXXX XXXX, XXXX ( " XXXX  '' ) failure to provide him proof conducted an intrusive investigation into XXXX XXXX XXXX XXXX having engaged in fraud and deception. Creditor reporting unfounded statements and unsubstantiated claims Plaintiff owing a balance is gross fabrication. XXXX  not contending in writing receiving evidence of proof, Affidavits from sworn police officer, bank statements Discover drafted from Mr. XXXX bank accounts, XXXX sent a statement to XXXX XXXX citingyour account balance is XXXX and account paid in full around XX/XX/XXXX. Attorney General conducted an investigation thru discovery XXXX  never conducted an intrusive investigation, into fact findings but instead, reliance on XXXX falsity of facts. 

Mr. XXXX consumer requesting FTC intercede on his behalf an conduct investigation into XXXX, repeatedly and persistently failure to remove the erroneous information timely. CRAs knowingly from XX/XX/XXXX through XX/XX/XXXX creditor receiving payments made via XXXX XXXX  via phone. In support of argument Deputy XXXX XXXX County Sheriff provided affidavit around XX/XX/XXXX XXXX committed fraud against Mr. XXXX government employee and service member. XXXX  knew or reasonably known of fraud or fraudulent acts rather than take appropriate action instead reported Mr. XXXX owing XXXX in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( a ) et seq. ( " FCRA '' ), supports and substantiates furnisher of the misrepresentation of the facts and XXXX   retaliated or engaging retaliatory action. 

Plaintiff 's asserts both employers XXXX  and XXXX engaging in pattern of conduct, that is habitual and habit forming, making unsubstantiated claims that there is no timing requirement for response or responding to identity theft that occurred or is occurring is incorrect and in violation of 15 U.S.C. 1681g ( a ) .FTC stops unfair, deceptive andfraudulent business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Please remove or update the account completely from my Credit Reports : XXXX XXXXXXXX
Product: Checking or savings account

XX/XX/22 at XXXX pt. 
Lost account access, all funds depleted from account while on the phone with account member fraud services.

Reported to bank and still do not access to account, fraudulent person 's still obtain my account information. Have emailed over 25times, and called with recoded calls made to chime bank 4times. Filed police report with XXXX county police where account was accessed from, and funds taken, contacted store manager and have full cooperation from them. But still no access, to my account, no credits back and no sign of that soon. Said 5 days tell a formal complaint can be made, account suspended, and all my personal information still in the hands of the fraudulent useres who now have all my personal data, address, dob, social, depositing account numbers, email info, and still trying to access linked accounts and depositing account. Which one is my Washington state unemployment which was deposited an hour before theses charges and account drained from.
Product: Credit card

There was a Capital One Offer for XXXX, a language learning site. The offer would award XXXX capital one miles for a free signup with XXXX. No purchase was required per the terms and conditions. I signed up, and did a few language courses, but ultimately decided it wasn't for me and canceled the subscription/trial a few weeks later. Capital One awarded XXXX miles on XX/XX/year>2025, but clawed them back on XX/XX/year>2025. This is completely against the terms of the offer, and I still met the minimum terms to earn the XXXX miles.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I notice that theres information thats on my consumer report that is a result of identity theft. I didnt not provide written permission or instruction for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
Please be advised that my request to block isnt being made in error ; not is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transitions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You must respect my right to privacy, I have a right to privacy and youre violating my right as a federally protected consumer. 
Please be advised that you're in violation of federal law under the fair credit reporting act. Under the FCRA 15 USC 1681B-Permissable Purposes 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. I never gave XXXX any written instruction to furnish a consumer report, no consent is identity theft. A copy of the identity theft report as proof marked Exhibit A attached.

Furthermore you violated 15 USC 1681 ( a ) 1 ( 2 ) ( 3 ) ( 4 ) ( b ). I was not treated fairly and these fun fair credit reporting methods undermine my confidence as a consumer which is essential to the banking system and the banking system is dependent upon fair and accurate reporting. My reputation, character, credit standing, credit capacity and credit worthiness I have not been able to obtain efficient credit, insurance, employment or housing as well as suffered from mental anguish, stress, XXXX, and marital problems. 
( 3 ) Transunion you have assumed a vital role in assembling and evaluation on my me as a federal protected consumer Fairness, impartially and respect for my right to privacy was not extended to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality, and a respect for the consumers right to privacy. 

You have prevented me from extending credit and stopped my livelihood by violating my rights to consent and privacy. You have to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to me with regard to confidentiality, accuracy, relevancy I DO NOT CONSENT TO E-OSCAR VERIFICATION!! 
** Reminder its against the law to use the furnisher to verify any information. 15usc 1692 FDCPA ). You must conduct a personal interview.
Product: Credit reporting or other personal consumer reports

Experian is all about selling membership, I bought a paid membership with them and my scores went up, I couldnt keep up with the membership costs so I downgraded it to the free version, now they are punishing me by lowering my scores and adding negative remarks on accounts that have {$0.00} balance, like my XXXX XXXXXXXX account, it was paid in full, now they added negative remarks and information is missing. My score with XXXX is XXXX and XXXX is XXXX. I have XXXX collections accounts on XXXX and XXXX. They checked over and over for the XXXX  collections account showing on Experian but couldnt find any information. Please fix my report and my score because Im trying to get a home loan and this type of mistake is impeding me from getting a loan. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX on XX/XX/year> reported The amount {$13000.00} on my credit report violating the FCRA law 15 U.S. Code 1681n - Civil liability for willful noncompliance.
Product: Vehicle loan or lease

Open loan with Wells Fargo XXXX, Settlement for extra fees paid towards loan