23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX 
Filed dispute due to this item not meeting the FCRA reporting requirements. I do not recognize how and why it is reporting. Delete immediately. 

XX/XX/year> : {$540000.00}. 
Filed dispute due to this item not meeting the FCRA reporting requirements. I do not recognize how and why it is reporting. Delete immediately. 

XX/XX/year> : {$410000.00} Filed dispute due to this item not meeting the FCRA reporting requirements. I do not recognize how and why it is reporting. Delete immediately. 

XX/XX/year> : {$500000.00} Filed dispute due to this item not meeting the FCRA reporting requirements. I do not recognize how and why it is reporting. Delete immediately. 

XX/XX/year> : {$8400.00} Filed dispute due to this item not meeting the FCRA reporting requirements. I do not recognize how and why it is reporting. Delete immediately. 

XX/XX/year> : {$280.00}. 
Filed dispute due to this item not meeting the FCRA reporting requirements. I do not recognize how and why it is reporting. Delete immediately.
Product: Credit card or prepaid card

On XX/XX/2023, I redeemed some of my Capital One rewards points to book a flight on XXXX XXXX. Unbeknownst to me, my action of using the benefits of the card triggered some sort of fraud warning. 

On XX/XX/2023 I tried to use my Capital One credit card to pay for dinner and it didn't work. I was embarrassed but didn't have another credit card on me. After trying the card several times, the restaurant ended up comping my dinner so I could leave. 

While walking home from dinner, I called Capital One. They let me know that they'd locked my account due to suspected fraud and I needed to upload my driver 's license, a bill with my address, and my social security card to unlock my account. 

When I got home, I couldn't find my social security card. I asked them if there was any other way I could prove my identity- my passport, my birth certificate, etc. They said that no, my social security card specifically was required. Since I don't have my social security card, I asked Capital One to transfer the points I'd earned out of my account and close it. They refused. I said ok, can I abandon all the points I've earned and just close the account. They also refused to honor my request to close my account saying that they couldn't take any action on the account while it was locked for fraud review. 

In XXXX, Capital One charged me the {$390.00} annual fee for the card. This was paid via autopay from my linked bank account. 

In XXXX, Capital One closed my account. 

I'm annoyed that : 1 ) I lost all of the points I had accumulated on the card, because Capital One ( erroneously! ) marked my account for fraud when I was just trying to use the points I had earned. 
2 ) They didn't close my account when I requested, instead waiting until the annual fee was charged ( XXXX XXXX and XXXX XXXX!!!! ) and then closing the account 3 ) I didn't get ANY value from the {$390.00} fee because since XXXX I have been unable to use my card, accumulate points, redeem points, or access any other card rewards.
Product: Money transfer, virtual currency, or money service

Cash App kept my funds money on XX/XX/XXXX ( my XXXX accounts were link but no longer ) .There was fraud on my account back in XXXX XXXX which my bank took care of. 
My bank reverse the charges after the investigation and cash app took the money out of the bank account a second time. I had to close that card and reopen another. The amount was {$100.00}. Of course the bank did not refund a XXXX time! 
My bank and myself tried to reach them there is no customer service number the offer a chat service but no one is ever online you have to send emails with no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 at XXXX pm XXXX, XXXX XXXX my second letter regarding a bankruptcy was received by Transunion. TRANSUNION claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed above as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

The United States Bankruptcy XXXX XXXX XXXX of XXXX has mailed me a letter ( EXHIBIT B ) which emphatically stated that they do NOT provide any information to credit reporting agencies, nor did they EVER validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the confirmed Transunion consumer reporting agency has NEVER validated or verified this public record entry on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 

The Transunion consumer reporting agency has also knowingly stole my information. Suppression for XXXX XXXX was confirmed ( EXHIBIT C ). How did TRANSUNION verify information that was legally and lawfully suppressed from you? 

TRANSUNION consumer reporting agency needs to provide me with copies of all documentation associated with the Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name. 

If there is an account which comes back verified pursuant to 15 U.S.Code 1681a ( e ) there must be an investigative report with the source of the report coming from interviews of family and friends and the results can not contain factual information. I allege no such verification based on an investigative report exists. Please submit a certified copy of the existence of this report with a statement under penalty of perjury that this report was not altered or manufactured in any way. Without this information this is a violation of 15 U.S.Code 1681a ( e ) and the XXXX XXXX BANKRUPTCY must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted. The notes are, the bureaus arent following their own rules and guidelines, the 609 debt validation was sent as well as a demand to comply with no response. The Bureau is reporting inaccurate information on my credit report and hasn't responded back to me concerning a letter I mailed on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date Updated : XX/XX/XXXX, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$14000.00}, XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1800.00}, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Prepaid card

There has been several issues. I was charged incorrectly for my card. Rush card owes me XXXX and refuses to pay. I had XXXX fraud fees on my card of XXXX each and they still have not investigated it and have not taken measures to refund y account or secure it. 
For two week + I have not been able to use my card.I have direct deposits that have mysteriously disappear and my balances have fluctuated They are crooks and I want compensation for all the turmoil I have been though I have called the company a number of times with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, there are currently numerous accounts and inquiries listed on my report that was not authorized or initiated by me. This was a result of identity theft, error or malpractice.
Product: Debt collection

On XX/XX/year>, I submitted a complaint to the CFPB in regards to CAINE & WEINER XXXX INC.s adverse reporting on my credit report. The CFPB complaint ID is : XXXX. 

On XX/XX/year>, CAINE & WEINER , INC. responded in compliance with my claim and expedited removal of the entries. 

Removal of the entries was not my only demand. Pursuant to XXXX, I am entitled to fine CAINE & WEINER , INCXXXX {$1000.00} per entry. Their entire entry included XXXX negative months of reporting. That totals {$26000.00} in fines that I am authorized to collect from them. 

After many calls and messages left to the CAINE & WEINER XXXX INC. compliance department, I finally was received by a representative. During that call, I was informed that CAINE & WEINER XXXX INC. would not submit to the lawful fines imposed. They would not send me any written notice of this neither.

I ask that the CFPB assist in enforcing the lawful measures I have presented and help bring CAINE & WEINER , INC. in to honor by honoring the obligation that they are bound to by law.
Product: Credit reporting or other personal consumer reports

I received XXXX Hard Inquiries from COMENITYCAPITAL/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX on my XXXX report XXXX XX/XX/2023 which i did not apply for. Due to these inquiries it also changed credit reporting address to XXXX I have not resided in for over many years. I filed a dispute for the pull with XXXX and they closed it in less than XXXX hours reporting ( INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 CR XXXX EIS/ ). I tried getting ahold of Comenity capital and I was hung up on XXXX time to find out who requested this credit pull. XXXX told me to get a hold of the creditor and I did not apply for this credit nor to I have an account them. I currently have a dispute to have my credit address changed to my correct address. I don't know what else to do to get this off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was already enrolled in classes for the Spring semester 2013 at the XXXX XXXX XXXXXXXX XXXX XXXX XXXX. As a result it was my understating, From XXXX representative, that if you are enrolled in school loan payments are frozen once you are actively enrolled in college classes. Yet it shows I have late payment form XXXX on my credit score on that student loan account when I was clearly enrolled in school. This is clearly detrimental to my credit worthiness. There is an attached screen capture show me paying off the remainder of the Bill from the spring 2013 so I can register for the Fall 2013 semester.
Product: Debt collection

GLA is constantly breaking the law in attempt to collect debt. They are illegally obtained my medical notes, and XXXX XXXX illegally released medical notes without my consent. I sent numerous certified letters asking for GLA to contact me in which no one has. 

No agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY was sent to me. 

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XXXX/XXXX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XXXX/XXXX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX XXXX, XXXX. 


Nothing that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization was sent to me.

I requested that GLA cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. In which they never replied and I know they received my disputes as it was sent certified mail. 



In the event of noncompliance, I reserve the right to file charges and/ or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB , BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of Kentucky medical privacy rules. 
I also hereby reserve my right to take private civil action against you to recover damages.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent formal dispute letters to [ Credit Bureau ( s ) ] ( XXXX, TransUnion, XXXX ) to address inaccuracies on my credit report. As per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ), the credit bureaus are legally required to conduct a reasonable investigation and respond to disputes within 30 days. If additional information is provided, they are given 45 days to complete their investigation and respond to the consumer. 

As of XX/XX/2024, it has been more than 45 days since the date of my original disputes, and I have yet to receive any response from Credit Bureaus. This is a direct violation of the FCRA, which mandates that the credit reporting agencies must provide the results of their investigation within the required time period. 

The failure of the Credit Bureaus to respond within the legal timeframe has significantly impacted my financial situation, as the inaccuracies on my credit report have remained unresolved. These inaccuracies may be affecting my credit score, access to financial services, and overall financial well-being.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ... .... THESE ARE DATES AND COMPANYS THAT HAVE UNAUTHORIZED INQUIRIES ON MY TRANSUNION ACCOUNT. I DID NOT AUTHORIZE THESE THREFORE THEY ARE FRAUDALENT. I REACHED OUT TO THE COMPANY TO TAKE THEM OFF NO HELP
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable resoonses, and failing to adequately notify consumers of dispute outcomes. These failures akign with my experience, where Exoerian has neither corrected nor removed disputed items despite tge evidence i provided, causing ongoing harm to my credit standing, I am requesting immediate corrective action to remove or amend tge disputed accounts, as Experians inaction violates federal law and my rights as a consumer,
Product: Debt collection

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. DISCOVER FIN SVCS LLC XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1500.00} REV {$2300.00} - {$2300.00} XXXX XXXX XXXX XXXX CHARGE OFF XP/TU/EF Late Dates : XX/XX/XXXX-150+, XX/XX/XXXX-150+, XX/XX/XXXX-120, XX/XX/XXXX-90, XX/XX/XXXX-60, XX/XX/XXXX-30 ACCOUNT INFORMATION DISPUTED BY CONSUMER The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding my Experian credit report, which contains a lot of inaccuracies that are hurting my credit score very badly. According to the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate, documented, and validated before being used by creditors. However, the data being reported on my file does not meet these standards by far. Here are the accounts that I've found : XXXX XXXX XXXX- This is not my account. The information reported is outdated and inaccurate, which violates 15 U.S.C. 1681c. I requested verification of this account but have not received any proof that it was verified. The account details do not match my records, and I have not received any documentation to confirm its accuracy. 

XXXX XXXX - This is not my account. The agency reporting this account is in violation of 15 U.S.C. 1692g, as I was not notified in writing within the required timeframe. Only the original creditor can validate this debt, and I do not acknowledge or validate this debt. 

DEPT OF EDUCATION - This is not my account. Despite this, it continues to appear on my credit report inaccurately. 

These issues have significantly affected my credit report and, by extension, my financial standing. I have tried to have these inaccuracies corrected, but I have not seen adequate action from Experian. I am seeking your help in ensuring that Experian properly investigates these claims and makes the necessary corrections as required by law. I appreciate your time and help in resolving these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to " A Summary of Your Rights Under the Fair Credit Reporting Act '' : You can dispute inaccurate information with the CRA. If you tell a CRA that your file contains inaccurate information, the CRA must investigate the items ( usually within 30 days ) by presenting to its information source all relevant evidence you submit, unless your dispute is frivolous. The source must review your evidence and report its findings to the CRA. ( The source also must advise national CRAs- to which it has provided the data- of any error. ) The CRA must give you a written report of the investigation, and a copy of your report if the investigation results in any change. If the CRAs investigation does not resolve the dispute, you may add a brief statement to your file. The CRA must normally include a summary of your statement in future reports. If an item is deleted or a dispute statement is filed, you may ask that anyone who has recently received your report be notified of the change.

It has been more than 30 days and TransUnion has instructed me that it is not their job to investigate when " 15 U.S.C. 1681-1681u '' states otherwise.
Product: Credit card or prepaid card

this is my second complaint there on this issue the person who responded before does not respond to my calls so after wasting my time again earlier today i write again. I disputed XXXX dollar charge from XXXX XXXX weeks ago i did so the other XXXX because as a repeated multiple times i developed an XXXX XXXX shortly after my visit to the salon. which came from water being left in my ear. i called and called and i get CS who barely speak English who waste my time the person from the bank who answered i left messages for no response i want the enTIRE XXXX dollars refunded i have explained why in great detail multiple times. due to the loss of my well being and time i am unableto use my cards for months now CS must improve please credit XXXX dollars. i had to go to emergency room for treatment