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

Hello, I signed up for CapitalOne Walmart credit card in XXXX this year, subsequently made some purchases and continued active usage of the credit card. Note that this creditor association was new to my profile as i had no prior accounts with CapitalOne. 
I used my 5 year old XXXX Checking account to pay the card off during my first two payments due for this card. This account was current and no overdue as of XX/XX/2020. Subsequently there were no additional purchases on this card and the account balance was negative ( due to some additional payments made ). 
Come XXXX my XXXX Checking account suffers an ACH fraud, at which point I engage my bankers to act on it. My XXXX account was frozen on XXXX XXXX and XXXX started recalling all fraudulent transactions. During this period, I had no access to any other financial accounts as this was the only banking relationship I had for debit/checking access. During this time ( on XXXX XX/XX/2020 ), XXXX seems to have erroneously recalled a valid/genuine payment ( posted XXXX XXXX ) to pay off the CapitalOne credit card, despite my mention in my initial fraud complaint that the issue appeared to have started from XX/XX/2020. 
As a result of this erroneous recall, Capital One found my account late on payment for more than 30 days, ended up reporting it as a missed payment to the credit bureau ( XXXX, XXXX etc ). My Credit score dropped 40 points as a result while I was actively looking to refinance my mortgage. 

I raised this matter to CapitalOne ( Case number- XXXX ) via mailed copies of paperwork on XXXX XXXX, indicating this was not a willful default or late payment and provided statement copies indicating how the problem manifested. The recall of the payment posted after more than 45 days indicates this is not an action I took and simply a clerical error while a large number of transactions were being investigated by my banker. I also offered to get them any document required from my banker ( XXXX ) to suggest this was an error. 

CapitalOne have written back to me suggesting they considered the matter however due to the fair credit reporting act obligations they need to report accurate information to credit unions. 
I got in touch with XXXX regarding this matter who suggest that there is not much they can do as the account in question is already closed and the transaction was recalled as a part of the dispute investigation. 

I feel that customer 's interest is at stake here, for no fault of mine first I suffer a ACH fraud stress on my ONLY bank account in the US subsequently a credit profile impact during the repair of the prior problem due to this erroneous recall. 
I humbly request if you can help to correct my credit profile reporting by mediating as appropriate. 

Thank you,
Product: Consumer Loan

This is also in regards to active case no. XXXX with your agency. My vehicle was repossessed on mothers Day of this year. It was repossessed illegally because I was unaware that it was in jeopardy of being repossessed and I was not sent a Notice of Intent to Repossess from the GM
Product: Credit reporting or other personal consumer reports

The account was not mine and opened fraudulently. I even paid it when they refused to remove it and the still havent removed it.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/, I received a notice dated XX/XX/XXXX  on a debt in the amount of XXXX from American Coradius International, LLC representing XXXX XXXXl ( creditor ). I have never used XXXX, nor do I even know what this is for. I have never received anything from XXXX. I am a victim of identity theft and felt compelled to report this to the CFPB.
Product: Credit card or prepaid card

On XX/XX/XXXX I enter into a Trial for 2 products with the Merchant XXXX XXXX XXXX for which I paid {$4.00} and {$5.00}, respectively as shown on Credit card statement and for which i never received an email confirmation or receipt. The product was shipped on XX/XX/XXXX and arrived the first week of XX/XX/XXXX. 

Since i did not like the product neither received any confirmation of my Trial I thought there was no Trial. 
On XX/XX/XXXX appears on my credit card a second order with two additional charges for two more products {$88.00} and {$89.00} respectively from XXXX XXXX XXXX each dated XX/XX/XXXX. The same day I called Barclays, my credit card company and customer service instructed me to call the Merchant but still opened a dispute closed the current card and open a new one. 
I called the Merchant, canceled the shipping, the Trial and ask for a refund for the charges. I was told not to worry i will have to wait 10 days for my refund. To this date XXXX XXXX this refund was never issued. 

On XX/XX/XXXX, I received a letter from my Credit Card Company ( XXXX ) dated XX/XX/XXXX stating that they investigated and concluded " ... The merchant provided shipping details that shows the merchandise was shipped and delivered ... '' The documents show the order on XX/XX/XXXX and a shipping on XX/XX/XXXX Which means the order made on XX/XX/XXXX was shipped on XX/XX/XXXX, therefore they accepted the charges. ( they did not look at the dates and year discrepancy. Its impossible to ship an order that is not even made yet ). 

On XXXX XXXX I disputed the investigation and sent a letter explaining the facts and making note that the order was not the same and the Merchant was referring to the First Trial order I made, not the second order which I canceled before the product was shipped. 
I spoke with XXXX on customer service from Barclays and explained the mistake on the dates and he opened the dispute again understanding that I was right. A shipping date appears to be before the order was made. 

On XX/XX/XXXX I received a letter from Barclays saying that after a further review they are not able to assist me on this credit due to " Services were rendered and the merchant is due payment '' which is not true since i never received the Merchandise and the Merchant XXXX XXXX XXXX  can not provide proof of shipping of this second order because it was never shipped and/or received. 

I have been trying to contact either Barclays Credit Card and XXXX XXXX XXXX with no success after 1 hour on hold with both.
Product: Credit reporting or other personal consumer reports

I hereby assert that XXXX, Equifax, XXXX and the creditors associated with the accounts listed in the attached letter have engaged in actions that have resulted in the misuse of my personal identity. Under my rights as outlined in the Fair Credit Reporting Act ( FCRA ) specifically Section 605B ( 15 U.S.C. 1681c-2 ) and Section 611 ( 15 U.S.C. 1681i ) I formally demand an immediate and thorough investigation into these matters. 
Furthermore, I request the removal and permanent blocking of all fraudulent and inaccurate information from my credit files. These actions are necessary to restore the integrity of my credit profile and to ensure compliance with the FCRAs protections for individuals affected by identity theft or inaccurate reporting. 
I believe I am a victim of identity theft and am seeking to file a police report, as requested by the XXXX major credit bureaus ( XXXX, Equifax, and XXXX ). My personal information has been compromised in multiple data breaches, which I believe has resulted in unauthorized activity on my credit report. The negative accounts in question, which I have listed below, appear to be fraudulent and do not correspond to any contractual agreement or transactions I have authorized. These actions constitute violations of my rights under federal and state law, including : The specific negative items that I am disputing include : XXXX XXXX XXXX ACCOUNT # XXXX BALANCE {$11000.00} XXXX  XXXX ACCOUNT # XXXX BALANCE {$510.00} XXXX  XXXX INQUIRY-DATE OF INQUIRY XXXX/XXXX/XXXX XXXX XXXX XXXX BALANCE XXXX XXXX XXXX, XXXX XXXX BALANCE {$30.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE XXXX XXXX XXXX BALANCE XXXX XXXX XXXX BLANCE {$1600.00} XXXX XXXX BALANCE {$1100.00} XXXX XXXX BALANCE {$4500.00} XXXX XXXX BALANCE {$7900.00} XXXX  XXXX BALANCE {$5200.00} XXXX  XXXX BALANCE {$9800.00} XXXX  XXXX BALANCE {$5600.00} XXXX  XXXX BALANCE {$2700.00} XXXX  XXXX BALANCE {$480.00} XXXX  XXXX BALANCE {$4000.00} XXXX  XXXX BALANCE {$9900.00} XXXX  XXXX BALANCE {$5000.00} XXXX  XXXX BALANCE {$7500.00} XXXX  XXXX BALANCE {$4200.00} The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

18 U.S.C. 894 ( Extortionate Credit Transactions ) Uniform Commercial Code ( UCC ) 3-401, which establishes that a signature is required to validate liability on any instrument. 
I respectfully request that this report be filed and documented so I can pursue corrective action with the credit bureaus and other relevant authorities to restore my credit and protect my identity. Please let me know if additional information is needed to complete this process.
Product: Debt collection

Caine & Weiner XX/XX/2021 {$3100.00} I have called and asked this company to provide me proof that I opened this alleged account that was opened under a different company name while I was in bankruptcy and they refuse to provide me any proof.
Product: Credit card

1.Paypal by cfpb is credit card alike company to protect customer 's right. 
2.I purchased laptop from XXXX received and found XXXX XXXX XXXX, XXXX XXXX XXXXXXXX dispute to Paypal and attached seller 's agreement to partial refund USDXXXX email. 
3.Seller play trick asked me to cancel paypal dispute and refused to refund after that. 
3.Paypal ignored and said dispute didn't sustained and ignore my right completely.
Product: Money transfer, virtual currency, or money service

Optum bank never wrote and gave any written response for the claims I sent to them. 
Thanks to CFPB, Optum gave the response to CFPB request XXXX. 
The mistake Optum made is that Optum wrongly stop the check which has been sent to XXXX. 
Optum response says On XX/XX/23, you contacted the XXXX XXXX XXXX to advise that XXXX XXXX was not in receipt of check # XXXX for {$100000.00} and per your request a Stop Pay was issued and the funds were redeposited into your Optum Bank HSA balance. 
I am astonished that Optum can make such untruthful statement based on no fact. 
So, the problem I initially reported ( XXXX ) become the dispute which is who requires stop check. 
My request is to transfer HAS funds from Optum to XXXX. I called both parties to urge them to complete the transaction. 
All calls I made is to urge them complete transaction. There is no motivation and reason to stop the transaction. 
The fact is that I never filled any form or called Optum to stop check. Stopping check is completely again my goal of transferring funds. 
When I blame Optum for their mistakes, I provided very evidences to support my argument in XXXX. 
Optum needs to provide evidences for their response. Optum said per your request a Stop Pay was issued, Optum should provide evidence to support this statement. 
Note : All conversations between I and Optum are recorded by both Optum and ME, so it is not difficulty to see who is telling untruthful. I kindly remind who wrote per your request a Stop Pay was issued thinking twice before providing perjury because you ultimately will take the legal responsibility. ( not Optum ). 

CFPBs responsibility is to protect consumers from unfair, deceptive, or abusive practices and take action against companies that break the law I hope CFPB contacts Optum for the evidences of their responses because what Optum is doing is a deceptive practice.
Product: Credit reporting or other personal consumer reports

Used Experian for a credit report. Payed for subscription for a full credit report and disputed open account the were fraudulent. Showed it was disputed but information still showing in report as open
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with Equifax 's handling of my recent dispute and their overall customer service. Despite my clear instructions to address inaccuracies in my student loan payment history, Equifax incorrectly disputed a balance on my account instead. This indicates a failure to follow directions precisely. The appropriate XXXX  code for this dispute should be XXXX Claims Incorrect Payment History. 

Furthermore, the customer service experience has been disappointing. The response to my request was neither timely nor accurate, leading to unnecessary frustration and delay in resolving the issue. This level of service is unacceptable and does not meet the standards one would expect from a major credit reporting agency. 

I urge Equifax to improve their processes and customer service to prevent such issues in the future and ensure accurate handling of disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XXXX  - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX XXXX ( the Company ), which involved me making deposits for a total amount of XXXX XXXX from my Crypto.com account to fraudulent investment firm ( s ).
Product: Consumer Loan

Wells Fargo Dealer Service inaccurate reporting to the Credit Reporting Agency about, late Auto payments, no insurance and harassing phone calls. Wells Fargo Dealer Services has been calling me at 3 times a day for about a month or so ago. They allege that I owe them money, extra money and increased the balance owed on my auto. I have not missed a single payment ever since I got the car loan through them. I requested a deferment on my pay in XXXX XXXX, they granted my request. They have claimed that I do not have full coverage auto insurance, and that is why they believe I owe them money ; when again this is incorrect. I have submitted proof of insurance online, through a website they provide, as well as over the phone. The website is very difficult to manage due to the site off and on malfunctions. I spoke with the customer service representative multiple times about what they need to correct. This did not resolve the issues and even though Wells Fargo sent me documentation stating that my Insurance policy was updated and effective since XXXX XXXX XXXX Wells Fargo still reported me late for the month of XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. When I call to explain the errors made by WFDS the customer service gives the same update stating that they will not the file. Now because of WFDS inaccurate reporting and attempting to add fees has caused a chain reaction when applying for a place to live for my XXXX children and myself. I feel this is a great deceptive pratcice used by Wells Fargo Dealer Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous complaints, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$19000.00} XXXX XXXXXXXX Balance : {$410.00}
Product: Credit card or prepaid card

a charge of XXXX $ on my wells fargo credit card ending in XXXX on XX/XX/2018. 

I tried to resolve the problem with wells fargo but they denied my dispute. 

I stayed in this hotel for a couple of nights with a mutual friend who was staying there for a week and they requested my card at the front desk to charge room service orders to it. 

I found later that they charged the whole hotel stay that the mutual friend took care of to my card. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have diligently followed all the necessary procedures in disputing this account. I've reached out to the bank and they assured me the issue was resolved. I've also contacted law enforcement and provided a report and affidavit, which they confirmed as valid. Additionally, I've engaged with XXXX and XXXX, who complied with legal requirements and removed the account. However, Experian seems to be presenting obstacles, claiming I haven't completed all the necessary steps. 

XXXX XXXX XXXX. 

Understanding the leniency towards banks and credit reporting agencies in legal matters, I'm hesitant to pursue a lawsuit. Despite repeatedly submitting my claim to Experian over six months, I remain stuck. Each time, I receive a dismissive response, alleging that the documents I've provided are inadequate. I urge the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate this case, as it appears Experian is failing to fulfill its legal obligation to process the identity theft report. 

I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically Identitytheft.gov, which is a federal entity. I seek a resolution to this matter that adheres to proper procedures. The distress caused by this identity theft, coupled with the inability to access my credit, is severely impacting both my personal and professional life. I am overwhelmed and feel like I'm losing control. Please handle this matter with urgency.
Product: Debt collection

I was initially contacted with XXXX ( XXXX ) XXXX the person on the line Asked for XXXX XXXX. I advice he doesnt belong to this number and not to contact me again. Yet I keep get calls. They called me again today and I call the XXXX # and they advices they are looking for me. I tell the person that it can not be right because there is another debt collection company ( We have an important message from XXXX XXXX XXXX XXXX a debt collector. Call us at XXXX Important Rights : XXXX Txt STOP to End texts ) contacting me about the same debt. She advices she could explain that if I verified my identity which I refused to do because XXXX different companies are contacting for the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the inclusion of an account on my credit report that does not belong to me. The account in question is listed as " XXXX  XXXX XXXX XXXX with Chexsystem, under account number XXXX, XXXXXXXX XXXX XXXX Chexsystem, under account number XXXX. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically : Right to Privacy ( 15 U.S.C. 1681, Section 602 ( a ) ) : I have the right to privacy concerning my credit information. This account has been added to my report without my authorization, and its inclusion violates my right to privacy. Furnishing Information Without Written Consent ( 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) ) : Under this section, a consumer reporting agency is prohibited from furnishing any credit information without my express written instructions. I did not provide any consent or instruction for this account to be reported in my name, making its presence on my credit report unlawful. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and require the immediate removal of this fraudulent account from my credit report. I am concerned that this false information may negatively impact my creditworthiness and financial reputation. I have enclosed copies of my credit report, identification documents, and any other pertinent materials related to this dispute for your reference. Please let me know if any additional information is required to proceed with this investigation. Thank you for your attention to this serious matter. I look forward to a prompt resolution and the correction of my credit report. Sincerely,
Product: Debt collection

The accounts listed on this report were fraudulently opened, and I did NOT benefit from the fraud. Transactions were made that I did not authorize and my personal information was used for financial gain without my consent.