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

I have already notified Bank of America that this credit card was opened without my knowing. My now estranged wife had used my social security number behind my back to open multiple credit cards in my name. She is a XXXX XXXX / XXXX XXXX and I have had to file for divorce because of this. She has a history of stealing identities and committing theft. I am not responsible for the debt that she has incurred in my name. I am a victim of identity theft. A police report was submitted to the XXXX XXXX, WA Police Department on XX/XX/2020. I have found out that there are 7 other police reports with her as the suspect of fraud / theft. XXXX has recognized that I have been defrauded and that I am a victim of identity theft and I attached a letter from them.
Product: Credit card

I have XXXX credit cards that had the ability to pay the balance using a debit card from my bank. I have paid the full statement balance, on-time, every month. XXXX  ( XX/XX/2023 ), I opened the app to make a payment that is due on XX/XX/2023, and the option to make a payment using a debit card is gone and the only option is to link your bank account and routing number. No communication from Capital One that this was going to happen and it affects my ability to honor the agreement we had. I understand they have a right to change terms but proper communication is expected. When I talked with Customer Service, no options or explanations were given.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am rquesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor 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 transactions. The identified transactions are not information related to any transactions by me as a consumer. The three accounts below are listed as collections on my credit report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX A You are required to do what I am asking and block these transactions from being reported to my consumer report within four days from the date of receipt of this notice. I look forward to your response. 

Thank You
Product: Money transfer, virtual currency, or money service

Money was sent from XXXX and cashapp and both transactions were unauthorized and fraudulent. I reported the person they were sent to and nothing was resolved. XX/XX/year>XXXX  {$90.00} was stolen from my cash app account and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion recently raised my credit score by 29 points on a Saturday and the next day they lowered it by 49 points. Nothing changed on my report. As a matter of fact, they reported that a couple of my accts had decreased in balance. I called Transunion for an explanation as to why my score decreased and the customer service rep could not explain it. My credit has been the same for the last few months. The three derogatory items are at least 6 yrs old. There were no recent inquiries, collections or missed payments.
Product: Student loan

XX/XX/XXXX : requested refund of payments made during COVID forbearance as permitted via CARES Act. Was told it is being processed. 
XX/XX/XXXX : Account balance still does not reflect this update/refund. Tried calling to get an update on my case number but have had troubles reaching someone on the phone. Experienced no call back after using the call back feature.
Product: Debt collection

Sent letter to company for validation on XX/XX/XXXX company hasnt responded or provided validation as of today XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : late payment XXXX XXXX XX/XX/XXXX {$0.00} inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX personal information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Employers : XXXX XXXX Employers : XXXX XXXX  Name : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report and noticed some things are incomplete and inaccurate I sent a letter to all XXXX credit bureaus ( XXXX Equifax and XXXX ) I asked them to investigate the completeness and accuracy. I received the results and noticed that they did not fix nothing. There are breaking FEDERAL LAW!

According to 15usc 1681e ( b ) it states this ( b ) accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
So I then asked them to provide me a description of the investigation according to 15 usc 1681i ( 7 ) : ( 7 ) description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in a paragraph ( 6 ) ( b ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

They also are breaking these laws as well below 15 usc 1681i ( 5 ) it states this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall.. 
( I ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer According to 15 usc 1681s-2 it states this ( A ) reporting information with actual knowledge of errors This is unfair and if they doing it to me imagine who else they are doing this too. Can please fix ( Method of verification/the process and procedure used to verify information/name and contact information of person contacted/any contracts bearing my wet signature ) IT TOOK LONGER THAN 30 days on my investigation therefore these items by law have to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX, Experian, and XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX  Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND CREDITOR HAS NO CONTRACT OR AGREEMENT TO HAVE MY PERSONAL INFORMATION PLEASE REMOVE IT XXXX XXXX XXXX  Account # XXXX THIS ACCOUNT SAYS I AM 30 DAYS LATE BUT I HAVE NEVER BEEN 30 DAYS LATE PLEASE REMOVE LATE PAYMENT MARK ONXX/XX/2018
Product: Credit reporting or other personal consumer reports

I am writing to express my absolute outrage and to demand the immediate removal of unauthorized hard inquiries that have been reinserted into my credit report without my consent. These inquiries had previously been removed following my legitimate disputes, yet they have inexplicably reappeared. This action is not only unlawful but also a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 5 ) ( B ) ( ii ).
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

This is borderline fraud I am facing. I have spent so much money on an item that I did not get to use. I ordered a custom dress from XXXX XXXX on the DATE of XX/XX/year>. I ordered a dress for my XXXX XXXX in enough time in hopes that it wouldve came in time, which I expressed to you guys many times in my attempts to get my money back! It did not come on time. In the evidence Im giving you, the company STATES many times that they will have my dress ready on time and that I would receive it beforehand that did not happen. That was the first lie this company has told. I did not receive the dress until XX/XX/XXXX. XXXX DAYS after my XXXX, I spent XXXX dollars on this dress that did not come until after it was needed. I pleaded with them, they RUINED my XXXX As the screenshot says, They STATED THAT THEY would refund me if I shipped the dress back, AS I DID. I would receive my refund. THEY did not provide a RETURN-SHIPPING LABEL. SO I had to come out of pocket again to ship it back which I provided in the evidence as well. The dress got delivered to them on XX/XX/year>. They continue to give me endless excuses about the progress and process of my refund and I HAVE TO continuously message them and they dont reply or theyll leave my messages on seen. The blue check marks means theyve read it. I DONT KNOW WHAT THIS COMPANY IS TELLING CASH APP BUT I HAVE NOT RECEIVED A REFUND EMAIL YET OR ANY ACTUAL PROOF OR PROGRESS INFORMATION ABOUT A REFUND. I JUST WASTED XXXX DOLLARS FOR ABSOLUTELY NOTHING AND I WANT my money BACK. THEY HAVE THE DRESS! They are hijacking my MONEY. ITS XX/XX/XXXX AND NO UPDATE ON ANY REFUND FROM THEM. I NO LONGER TRUST THAT COMPANY. I RATHER YOU GUYS GIVE ME MONEY BECAUSE WHO KNOWS WHAT OR WHEN THEY WILL PROCESS IT. I was excited and now I feel defeated because they are giving me the run around over my money that they said they would refund! Please help me I am young and new to the lifestyle of scammers this is not fair! I honestly believe they did this to me intentionally as Ive seen on their social media page there has been many people theyve taking money from! I need your help Im going to continue to dispute this charge until I get my refund! Thank you again for your cooperation and understanding that I need your full support on helping me retrieve my refund! You guys denied my dispute multiple times without a proper investigation! You guys sat there and waited until the 60 day mark after I disputed three time showing you evidence of why I was mistreated by this company and you sided with them on multiple occasions even after it clearly shows Im the one in the right.
Product: Money transfer, virtual currency, or money service

On Saturday XX/XX/XXXX, I messaged XXXX XXXX XXXX on XXXX marketplace regarding his newly listed lot of monster high dolls ( XXXX for {$500.00} ). 

We arranged to have me pick them up on Wednesday XX/XX/XXXX but unfortunately I could not so he agreed to ship them. It would be {$500.00} and I agreed. 

I was concerned of scam so he told me he had a mercari ( https : XXXX? XXXX ) I messaged him there and he verified it was definitely him from XXXX. So I was assured he also sent a photo of his profile. 

We tried XXXX XXXX XXXX XXXX and XXXX. Eventually he gave me his phone number and I just sent it through Chase XXXX. I sent him the {$500.00} on XX/XX/2023 in XXXX separate payments of {$250.00}. 

He sent me a tracking number and kept me updated until today where his XXXX marketplace account is gone. I messaged him on mercari to which he told me it wasnt him and he thought I was talking about XXXX. The tracking number is stated to go to me but its just all over the place. 

I called but they said theres nothing they can do about it since I authorized. But there should be a way to track down who did it.
Product: Debt collection

Southwest Credit Systems says I owe an account to XXXX XXXX in the amount of XXXX opened in XX/XX/XXXX. This is not possible since I have been incarcerated in the Colorado Department of Corrections since XXXX. They have refused to validate the debt and provide original copy of the contract. I gave them 60 days, no response
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. 
XXXX XXXXXXXX XXXX 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: Vehicle loan or lease

I feel as though I should not have been approved for this loan. Its an extremely bad loan that Im in and Im needing to give the car back. The income calculated for me was incorrect.
Product: Student loan

In XXXX or XXXX I borrowed from XXXX XXXX so that I could attend college. Since going to school on and off trying to figure out my path, XXXX XXXX informed me I had used all of my allotted forbearance and I had to make payments. They would not help me lower my payments and I just couldn't make them. My account went delinquent, and about 5 or so years ago they got switched to navient. I never signed anything for navient to take over. Keep in mind that what I owed XXXX XXXX doubled in 6 yrs with interest, which is a crime in itself. I have worked with navient I pay an amount i can afford but I have called many times and the settlement is too expensive and not to mention I have problems with my credit because they will not take the account out of delinquent status even though i have never missed a payment in the past 5 years! At this rate I may never pay off this account, or get it off my credit history! I need help.
Product: Debt collection

I am writing about the paperwork I received from Hollis Cobb Associates , Inc., seeking a DISCHARGE from the alleged debt, which the debt collector states I owe to them. I have no agreement with Hollis Cobb Associates , Inc.. I want to provide the following explanation : XXXX have been paying the alleged debt to the Hospital**** I am a full-time XXXX  Student, with no income or job. 
PLEASE DO NOT SEND ME monthly BILLS as validation. PLEASE PROVED ME WITH THE FOLLOWING : I am requesting verification of the alleged debt, specifically : XXXX. A copy of the ORIGINAL PURCHASE AGREEMENT with my signature XXXX. Insurance claim of the debt & BILL OF SALE XXXX. The XXXX with the original creditor and does Hollis Cobb Associates WHY DO YOU GUYS CALL MY PHONE AT LEAST XXXX TIMES PER DAY? 
PLEASE STOP
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be  errors.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding Transunion 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On [ XX/XX/XXXX ], I disputed several fraudulent accounts and provided Transunion with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Transunion failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs 2012 bulletin underscores Transunion 's failure to uphold consumer protections under the FCRA. 
Complaint # XXXX
Product: Credit card or prepaid card

In XX/XX/2022 AVANT pre-approved me for a {$2000.00} credit limit, with no affect to my credit score. Once I accepted a hard inquiry was pulled ( a hard inquiry, which hurts your credit ) I accepted because it was a good starting limit ( I had plenty of established credit in good standing ) I used the card once and then paid it off that month. Now I've had the card for 4 months, and without reason or warning I get a letter on XX/XX/XXXX stating they reduced my credit to {$300.00}, they site several excuses, all of which were exactly the same as when I accepted the offer in XXXX. The only difference was that my score had increased. I would NEVER have allowed someone to pull my credit for a credit card with a {$300.00} limit. Now I see all of the other reviews stating the exact same thing. This seems to be standard practice for this company. It is deceptive and ends up hurting your credit instead of helping.
Product: Credit reporting, credit repair services, or other personal consumer reports

In acordance with the fair credit reporting act.expirian has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681.

according to the 15 U.S.C 1681 section A. states i have the right to privacy. 

These addresses do not belong on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX  XXXX  fl XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  fl XXXX XXXX XXXX XXXX XXXX XXXX  fl XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute these fraudulent accounts following information that appears on my XXXX, Transunion, and XXXX report for fraud. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XXXX XXXX, I received a one-time passcode text message from my bank, Citibank, which I did not request, and suspected fraudulent activity. So I called Citibank using phone number on the back of my Citibank card to report suspicious activity and review recent transactions. I received an email notice that my Citi Online password was changed ( XXXX XXXX  ), ATM/pin updated ( XXXX XXXX  ), new payee added ( XXXX XXXX  ), my phone de-enrolled form XXXX XXXX ( XXXX XXXX  ), wire transfer of {$1800.00} sent from savings account to XXXX XXXX at XXXX XXXX  account number XXXX ( XXXX XXXX  ), and wire transfer of {$1700.00} sent from checking account to XXXX XXXX at XXXX XXXX  account number XXXX ( XXXX XXXX  ). As soon as I saw these email notifications, I called Citibank again to report fraud transfers. I was then instructed to file affidavit and filed claims for fraud wire transfers. I completed the affidavit and sent them at Citibank branch. I called back multiple times afterwards to check back in on my claim. The claim was denied with a reason that I gave out the security code. I explained that I did not give out ANY information. I filed for an appeal, called back after XXXX  business days, did not receive any updates. I called back today, and still have not heard any updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE COMPANY IS IN VIOLATION OF 15 U.S CODE 1681E ( B ) BY CONTINUOUSLY REPORT INACCURATE INFORMATION ON THE FOLLOWING ACCOUNTS. XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX AND XXXX XXXX XXXX XXXX # XXXX. I'VE SUBMITTED MULTIPLE DISPUTES AND SOMEHOW THIS INFORMATION REMAINS UNCHANGED. IN ACCORDANCE TO 15 U.S.CODE 1681E ( B ) - WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT, IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE CONSUMER WHO THE REPORT RELATES. IT IS APPARENT THAT THE COMPANY HAVE FAILED TO PROPERLY VERIFY THE INFORMATION THAT I'VE PREVIOUSLY DISPUTED.