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

I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX XXXX XXXX California XXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Credit card or prepaid card

Respected sir/madam, I have a checking account XXXX in Bank of America XXXX XXXX XXXX XXXX  for XXXX XXXX XXXX decade. 
As such I had applied for new credit card with XXXX interest rate for a fixed time so that I could payoff my other high interest bearing credit cards. 
After I got the credit card the credit card department with the help of fraud prevention have blocked the card and it was because they expected wrong use of my credit card because of some " phishing ''. 
So I was asked to visit the branch with my ID and clear the hold in my credit card.I went to the XXXX the branch relationship XXXX XXXX XXXX XXXX XXXX branch, XXXX, XXXX  XXXX. 
She connected me with the fraud department official and after reviewing my documents with the branch staff, the fraud prevention official cleared the hold on my card. 
After that I called the customer care and initiated the balance transfer that I planned. After a few days I got a message that my balance transfer has not been processed. As such I called the XXXX XXXX XXXX and enquired about my transaction which was declined. 
As I good account holder of the bank, I was given the credit card ( ending with XXXX ) but this strange card blocking shocked me and further the XXXX XXXX XXXX is asking me to go to the branch again with my ID and redo the same meeting all over again. 
I explained that I was having some health issues as I am now a senior citizen ( XXXX ) and XXXX unable to freely go to the branch, but the official did not seem to understand if she wanted to really help a new credit card customer. 
I am sure this repeated meetings to clear the same issue is not secure for me. 
Please check this matter as to why I have to repeat any action for the same issue XXXX even commented that if this issue kept recurring I will have to relocate to live inside the branch itself. 
Please help! 
I am feeling helpless and trying to reach out for more and more help I can submit more details if needed. 
Thanking you, yours faithfully, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : XXXX
Product: Credit card or prepaid card

See ALL Previous Complaints under XXXX XXXX XXXX. Capital One offers a cash back credit card, " XXXX XXXX '' My elderly XXXX was owed in excess of {$240.00} back in XXXX of 2020, when her credit card expired. Capital One customer service, said they would send a check minus any outstanding balances. There were XXXX recurring charges that we had stopped XXXX and XXXX XXXX in XX/XX/2020, and charges were reversed. Both companies stopped their recurring payments. 
So almost a YEAR LATER Capital One has not provided a " cash back check '', seems to be false advertising, and continue to assess late fees and interest on a NON EXISTING ACCOUNT. Capital One OWES MONEY TO US.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all three credit bureaus a certified letter, requesting an investigation in to this hard inquiry from capital one on XX/XX/18. It has been well over 90 days and they have never responded back. This has cause me a great hardship in my life as well as stress and has caused my credit score to drop drastically which has led to me being denied credit and home loans. The three bureaus have violated the FCRA, laws that are in place to protect the consumers. They're suppose to report accurate information and they have a responsibility to respond to all consumers within a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15USC 1681 Section 602 A States I have the Right to privacy.

15 USC 1681 Section 604 A Section 2. It also states consumer reporting agency can not furnish a account with my written instructions.

15 USC 1681 ( a ) ( 5 ) Sections States : no consumer reporting may make any consumer report contains any of the following items of information any other adverse of information, other than records or conviction of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relation to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681 Section 604A It also states consumer reporting agency can not furnish an account without my written instructions. 


I did not give anyone any written INSTRUCTION!!!! 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with all three credit bureaus for quite sometime. I just learned how to do so properly, including my police reports, FTC reports, etc. I have several accounts that are fraudulent including collections for an XXXX XXXX XXXX opened XX/XX/XXXX in the amount of XXXX , a fraudulent XXXX XXXX  XXXX Charge off opened XX/XX/XXXX, XXXX XXXX XXXX which are in Charge Off Status all of which are on Experian, I have two fraudulent collections on XXXX  which are XXXX for XXXX $ and XXXX which is for XXXX $
Product: Credit card or prepaid card

I am a cardholder with a Capital One Venture X credit card and am in good standing as I use autopay to ensure my statement is paid off monthly. The card offers XXXX miles- up to 100,000 miles for the year - for each friend approved through my 'Refer a Friend ' link. 

I have referred three friends using their referral link but have not received the miles. Each friend has confirmed that per the referral program 's terms and conditions, they used my referral link and that they were a new Capital One credit card customer. 
- I sent one friend a referral link in XXXX XXXX who confirmed they received and were using the card since XX/XX/XXXX. 
- I sent one friend a referral link via text on XXXX XXXX, XXXX and in XXXX XXXX, XXXX she confirmed she received and was using the card - I sent one friend a referral link via text on XX/XX/XXXX and in XX/XX/XXXX she confirmed she had received and was using the card. 

These referrals amount to XXXX miles each or XXXX total, which according to XXXX XXXX have a value of XXXX cent each and is equivalent to approximately {$750.00} depending on how the points are redeemed. 

I have been monitoring my statements monthly in order to determine whether I received the points : - On XX/XX/XXXX, I called Capital One at XXXX in order to determine the status of my points. They stated it can take up to two statement periods to receive the points. 
- I called back again XX/XX/XXXX and spoke to XXXX employee # XXXX who offered me a one-time courtesy statement credit of {$250.00} and would escalate for the remaining points. 
- I called back again on XX/XX/XXXX and spoke to XXXX and XXXX employee # XXXX and was told that they have no visibility into seeing why I have not been awarded the points when I and my friends have met the terms and conditions. 

Each representative was courteous.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX I am filing this cfpb complaint to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, Equifax credit reporting agency block all information on my credit report that is a result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an XXXX XXXX account opened on XX/XX/XXXX under account number XXXX with a balance of {$110.00}, the other account showing on my Equifax credit report is XXXX XXXX XXXX account opened on XX/XX/XXXX, account number XXXX with balance of {$1100.00} These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the identity theft affidavit. I do not recognize the aforementioned accounts, collections appearing on my Consumer Credit Report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts collection and are a result of identity theft and fraud. Please have these accounts removed from my credit reports, for they are hurting my ability to obtain credit.
Product: Debt collection

This {$28.00} they have me owing, was part of XXXX which I paid in full and there is no longer any debt owed to XXXX or this XXXX $ fromTrident. Its messing up my credit report And I dont know how to get it off or fix it. Please instruct me on how to eliminate this from being on my credit thank you
Product: Credit card

On XX/XX/year>, a fraud transection happened on my Best Buy Credit Card account for {$1600.00} at XXXX. I realized the fraud transection after a few days when I logged into my account to pay my credit card. I reported the fraud to Citi Bank, who manages the Best Buy credit card, immediately. They rejected my claim saying I was benefitted from the transection. So, I called them to explain that I never ordered anything from XXXX directly before nor have I received anything. So, they reponed the claim and closed it again in a week with the same resolution. 

So, I called them again to see what's going on and they told me that XXXX provided them some information that the order was delivered to my address so it was legitimate and asked me to contact XXXX directly about the issue. I contacted XXXX and they gave me order details based on my shipping address. In the order, Name, email and phone number were totally different than my details. I had some emails with XXXX and they also agreed that it looked like a fraud transection and asked me to contact bank for refund. 

Meanwhile, I received a pre arbitration from Citi bank with all the investigation they did. I dug into it and found a XXXX  tracking number for the order. There was a picture in that tracking and that wasn't our house where order was delivered. That with different name and contact information was enough proof that someone used my card to place the order. So, I contacted Citi Bank again, sent a fax with a cover letter, all proofs I had and signed Pre arbitration to reopen the claim. They opened it and closed it again within 5 days with the same evaluation that I was benefitted from the transection. So, I contacted them again to see what's going on and apparently they never looked at all the information I provided and just used the outdated information to get to the conclusion. I asked them to reopen the claim and they assured me they had opened it. When I didn't hear back in a month, I contacted them again and the representative on the call said claim was never opened back!! They told me they will open it back but now I am charged for the interest because I didn't pay off that charge. I never had a late payment in my life and now this will be reported as a missed payment and will affect my Credit Score. This has been stretching out for 3 months now and getting really frustrating. I have 3 Citi Bank Credit Card and a bank account that I am considering to close and permanently end my relation with them because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a dispute on XXXX XXXX, XXXX stating that several accounts were invalid and should be deleted from my file immediately. Within XXXX days XXXX completed there investigation and stated that some accounts were verified. so I then sent letters Asking them to send me documentation as proof of the verification that they stated they obtained from the creditor which should include copies of all original contracts bearing my signature. XXXX has never sent me this Proof. the FCRASection 609 states that they must conduct a 100 % verification Investigation during the dispute process which should include all original agreement documentation bearing My signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair credit act XXXX  account number XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX  # XXXX,, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX,, XXXX XXXX # XXXX XXXXXXXX XXXX  # XXXX, XXXXXXXX XXXX # XXXX, has violated my rights. 15U.S.C section 602A. States I have the right to privacy. 15U.S.C sec1681 604A section 2 it is also States a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law/agreement effective XXXX XXXX, 2017 any public record data must include name, address as well as social security number and date of birth in order for it to appear in your credit file. The Credit Bureau has not updated the information and per this new agreement/law the bankruptcy listed does not include this information and should be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the following accounts completely from my credit reports. 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX XXXXXXXX
Product: Credit card

I rarely used this particular card and prior to being charged I received an email that my payment was processed successfully which I thought was odd. So I logged in and found charges to this card along with a significant late fee of {$30.00} for charges relating to two charges of {$1.00} each. I paid the charges in full but these charges are fraudulent and so is the resulting late fees associated with it. I have noticed lately that because I have gotten older that these companies think they can take advantage of you and use tactics that are completely dishonest and get away with it. 

I have had issued with these credit card companies and have cancelled them with only two exceptions and now I am cancelling this second to last one. 

The company is XXXX XXXX XXXX and should you require any further information and I will be more than happy to provide it
Product: Debt collection

In XXXX of 2020 I moved into my new home at XXXX XXXX XXXX XXXX in XXXX. My new home was new construction and when I called XXXX to transfer service from XXXX XXXX XXXX XXXX XXXX advised that they did not have the infrastructure to provide service to the newly constructed home. The tech on the phone explained that since XXXX was not available yet in my new neighborhood their would be no termination fee. I subsequently took the XXXX equipment to the XXXX store in XXXX and the store tech re-confirmed that there would be no termination fee. I returned the equipment and paid my bill in full and got a receipt. 

Subsequently, I received a bill from XXXX for the equipment and termination. I called them multiple times to remove the charges. Nonetheless, the bill was sent to a collection agency last year. I disputed the bill and remitted the receipt for the equipment. It has now been placed with a different collection agency ( IC Systems ) and they are offering a settlement. I called and explained this and they refused to provide an email address or fax number for written communication. 

The bill is for {$400.00} and I have already lost more than that amount in the loss of productivity because of the time spent on the phone. 

I would like this resolved immediately so I am not threatened with negative impacts to my credit by this fraudulent behaviour.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXinaccurate Charge off balance of {$1700.00} and a re-aged Date of Last Activity of XX/XX/XXXX. 
-XXXX XXXX XXXX Date of Last Activity of XX/XX/XXXX. 

XXXX. 
XXXX XXXX XXXXinaccurate High Balance of {$1700.00} XXXX XXXXinaccurate Date of Last Activity XX/XX/XXXX and Date of Last Payment XX/XX/XXXX. 

EQUIFAX XXXX XXXX ChargeOff Reporting Ontime Payment with a monthly Payment of {$6700.00}
Product: Credit card

I bought a rug in XXXX on XXXX XXXX, 2016 using my Wells Fargo Visa card. Before buying, I confirmed with the vendor ( XXXX XXXX XXXX XXXX ) that they had a return policy in place for shipments to the US and they agreed. When the carpet was delivered in XX/XX/XXXX, I found there was a disconnect between the size I had been talking to them about and what was delivered. After phone and email exchanges, we came to a mutual decision that I would return the rug to a designated location in XXXX, CA. This I did, via XXXX ( and out of my own pocket ), requiring a delivery signature and insuring the rug during transit. The vendor indicated that once I had returned the rug, I should merely dispute the charge and they would reverse it. I have documentation for all email exchanges ( including descriptions of the return process and address, XXXX confirmations of delivery and signature copies verifying the rug was properly returned ). The vendor ( XXXX ) refused to reverse the charges despite the evidence that the rug was returned to them ( which, given the evidence, makes them thieves guilty of theft by taking ). Wells Fargo let me know that they had contacted the vendor about my contesting the charges and that the issue was going to arbitration (???!!! ). I had given WF ALL of my evidence and they had no questions, making the verbal statements that it was " just procedure ''. The only other communication I eventually got from WF was a statement saying that XXXX had denied WF 's arbitration and WF subsequently re-charged my account for {$4000.00} ( on XXXX/XXXX/2016 ). I went ballistic and demanded reasoning but got XXXX from WF. After several calls, I managed to get them to reluctantly provide an " escalation path '' -- which fundamentally did nothing more than go back to their arbitration function and confirm what I already knew. Wells then just threw up their hands and said " that 's our procedure and we do not do anything else. '' HOW IS IT POSSIBLE FOR ME TO BE DENIED DUE PROCESS AND STOLEN FROM SIMPLY BECAUSE I WIELD A CERTAIN BANK 'S CREDIT CARD? AND, GIVEN MY EVIDENCE, HOW DID ANY SANE ARBITRATOR COME UP WITH A DECISION WHICH SEES ME BILLED FOR SOMETHING WHICH HAS BEEN RETURNED ( AS CORROBORATED BY A REPUTABLE THIRD PARTY )????? This is beyond anything I have ever experienced. And when I tried to pursue this with XXXX, I was stonewalled by a customer service organization which offered NO other paths to appeal. ( They even originally just sent me back to Wells Fargo -- which would be funny, except it 's not. ) In short, XXXX large banks and a vendor have managed to at least attempt the same kind of blatant thievery which sent outlaws to the gallows in the old West -- XXXX XXXX would be pround of them. The FTC/CFPB have GOT to set this right -- and why do I have to go through all these shenanigans for something which is so patently a case of a vendor gone larcenous ( and XXXX large banks being accomplices in the dirty deed )???
Product: Credit reporting or other personal consumer reports

The account of XXXX XXXX  XXXX in collections is not mine, they sent an original contract but the bank account is not mine, the address on record is not mine and when my dispute was investigated by you guys it was was closed with out really investigating anything taking sides with the collection agency i never have had any business with, all i want is for this collection to be removed from my credit report as soon as possible.
Product: Debt collection

A magazine called XXXX 's XXXX started sending me issues of their magazine unsolicited. After a few issues they sent me a bill which I returned to them and told them I didn't want their magazine and to please stop sending it to me. In spite of my request to stop sending me their magazine they kept sending it and every month or so would send me another bill. Finally they stopped sending me magazines and bills but now they have turned it over to a collection agency, North Shore Agency which has sent me a bill threatening that I either pay immediately or face further action. 
I am not going to pay for something I didn't order and I do not want my credit damaged because of this. This is fraudulent, criminal activity and they should be stopped. 
Thank You.
Product: Debt collection

I was XXXX  and I didn't have medical.. but was given grants and XXXX at the hospital.. all the debts were paid via grants and XXXX including this one..