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

I have not applied to Capital One for any financial product. 

XXXX2021 Capital One did a " hard pull '' of my credit report without my permission ; they are obstreperous and refused to take steps to provide me with evidence supporting their apparent assertion that I applied for a loan ... or something... they won't even tell me what. 

XXXX I called them at three different numbers : Call XXXX. No option to report fraud. Thinks I want " credit card ''. Then insists on a credit card number ( which I don't have ), then wants my SSN and then ( snarkily ) says " XXXX. We don't have an account on file. '' Eventually it transferred me to a real person anyway. XXXX says call XXXX. 

Call XXXX. It wants a card number as well. 

Call XXXX. It also wants my XXXX but says I have an open credit application. XXXX. Credit card application dept. How was the application made? I expect you to tell me how the application was made. ( Talks in circles. ) They insist they can record the call but I can't because " company policy ''. Will not talk further if I record the call. 

If this really is/was " fraud in progress '' then time is of the essence.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX
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 XXXX, Account : 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, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

Good morning ; I have noticed identity theft someone with my same name used my information to a company I never heard of and they have posted it in my credit report. I contact the credit XXXX experian XXXX and XXXX and they hanged up on me many times after I sent a register letter letting them know that by law they were not supposed to put items that are not mine on my credit report and they have it there causing me to hurt my credit report and having negative item in there. I spoke to experian XXXX and XXXX supervisor and they hanged up on me telling me that a company can damage my credit report and report something is not mine. I need help I have the proof that I have sent a letter to them asking them to provide me a signature or something that was done by me and they never sent me but they receive the letter I sent and they said they do not need to follow the federal law and they will investigate and not erase soemthing is not mine and I have called them and ask them to removed because is not mine and is XXXX in there. I am scare that they will keep putten more things please need help
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I contacted XXXX, XXXX, Experian and XXXX starting XX/XX/XXXX numerous of times informing them that they are reporting late payments on my student loan during the time of federal loan student forbearance. The Department of Education suspended payments on my federal student loans from XX/XX/XXXX through XXXX. During this suspension period, my loan payments were not missed or late. They were simply deferred in accordance with the CARES Act and its subsequent extensions. However, my credit report incorrectly reflects late payments from XX/XX/XXXX through XX/XX/XXXX. 

XXXX has responded 4 times saying they made no changes after investigation or they changed something which was not the inaccurate reporting. See attachments. 

Experian and XXXX never responded. 

XXXX never responded.
Product: Checking or savings account

My card was used at a restaurant on XX/XX/XXXX at XXXX. I visited the restaurant the following week to speak with the manager so they can refund the money but he said they don't have any charge for that amount in their system. He also said wait a few days a maybe the amount will drop off. I visited again XX/XX/XXXX and told him that the charge didn't drop. He again looked and said there is not pending charges and no extra money. There was no receipt either. He told me to dispute the charge with my bank. I disputed with my bank and they said I'm not allowed. Payfare XXXX XXXX is holding on to my money and not allowing me to dispute the charge. They also charged me {$5.00} for a replacement card to then tell me no disputes! 

The vendor is saying to dispute the charge and they are saying NO!
Product: Checking or savings account

My XXXX savings account was debited for {$6000.00} by Goldman Sachs Collection. I have never had any products or services provided by said company. I reached out to my bank who stated that there had to be an investigation conducted. I contacted Goldman Sachs to see if there was a fraudulent account opened in my name or to see if they can assist with removing my banking information off of their system. I was greeted with an unprofessional associate with no introduction just a hello. I informed the associate that they were hard to hear to which they moved their headset closer and said can you hear me know. I informed them that I was calling because there was a fraudulent charges debited from my account by Goldman Sachs. I was told they need to tracer number and if one couldnt be provided they couldnt assist me. No one asked for my name or any identifying information to help resolve the matter ; regurgitated Reg XXXX dispute process and I need to contact the bank. If she would have bothered to ask any follow up questions she would be aware that I started with them first. For Goldman Sachs to be a highly revered firm its shame I have to report them. Their terrible customer service and lack of accountability for fraudulent activity shows they have no regard for consumer information protection and they should be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I added a bill on Experian boost and my XXXXredit score boosted by XXXX points. I gave the company a great review and I was very happy because I worked really hard on my credit score. Last month, I payed off my credit card in full. The moment my credit usage went down to XXXX  on my Experian report that I look at every day, my credit score dropped by XXXX points. The same points my credit score raised to when I used Experian boost. I was deeply upset because I worked so hard on my credit score the last 4 years. My credit should of boosted by XXXX points. Not drop by XXXX points once I payed off my credit card balance. I tried contacting the company by email and just received an automated response. I also contacted this company by XXXX and XXXX, still no response. I am scared my credit score will drop even more. This is not fair!
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

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

I reviewed my XXXX, Equifax and XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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.

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$1400.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$2300.00} Open Date XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX Balance {$910.00} Open Date XX/XX/XXXX Inquiries XX/XX/XXXX XX/XX/XXXX Date XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Complaint Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 Account Name XXXX XXXX XXXXccount Number : XXXX Complaint Details : I am filing this complaint because there is a charge-off on my credit report that I believe is inaccurate. I have disputed this charge-off with the credit reporting agency, but it has not been addressed properly in accordance with the Fair Credit Reporting Act ( FCRA ). Specifically, the charge-off listed under [ XXXX ] is reported as a negative entry, but I dispute its accuracy. I have requested that the credit reporting agency investigate the charge-off under the following sections of the FCRA : Section 1681b ( 2 ) This section mandates that all information reported about me must be accurate and reflect the truth. Section 1681b ( 5 ) This section requires that users of consumer reports ensure that they have a permissible purpose for obtaining and using my credit report and that the information is accurate. The charge-off may have been reported inaccurately due to a lack of proper verification. Section 611 This section requires that all disputes be investigated and resolved within 30 days, ensuring that inaccurate information is either verified or deleted from the credit report Despite my request, the credit reporting agency has failed to respond in a timely manner, and I have not received a satisfactory resolution. Under Section 1681b ( 2 ), the credit reporting agency is obligated to report only accurate information, and Section 1681b ( 5 ) requires that the information has been reported with a legitimate permissible purpose. Under Section 611, they must complete a full investigation within 30 days of my dispute. I believe the charge-off is inaccurate for the following reason ( s ) : 1- Last Verified do not match 2- High Balance is incorrect 3- Closed Date do not match I am requesting that the CFPB assist in ensuring that this charge-off is properly investigated and, if the creditor can not substantiate its accuracy, that it be removed from my credit report. Action Requested : Ensure that the charge-off is verified or deleted in compliance with FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611. Ensure that the credit reporting agency conducts a complete and timely investigation into my dispute and resolves the issue as required by the FCRA. Thank you for your attention to this matter.
Product: Credit reporting

EQUIFAX HAS OUTDATED IDENTIFYING INFORMATION ON MY CREDIT REPORT WHICH NEEDS TO BE REMOVED.
Product: Debt collection

I'm being called by XXXX XXXX daily on two accounts that were my father 's and he is now XXXX. I have given them this information. My father and I have the same name, and I have no idea how they received my phone number, and why they feel the need to call me. There was no estate, and I received no inheritance to pay any of his debts.
Product: Mortgage

I have been trying to get information about my mortgage in writing but they will not accommodate my repeated requests for that information.
Product: Credit card

On or about XX/XX/XXXX, Capital One sent me emails relating to purchases that they suspected as fraudulent on my Capital One Quicksilver card. I recognized a large number of transactions as fraudulent. Shortly thereafter I called Capital One while we went through all of those transactions and I indicated that they were fraudulent. 

The gentleman on the phone asked me if I had physical possession of the card in question at the time that the transactions were made. I indicated that I did have the card in my wallet in my house. He stated that that was strange because the purchases had been made with the physical card. 

Nonetheless, he accepted the transactions and initiated an investigation. Capital One followed up with several documents that I will attach to this Complaint. Ultimately they determined that the purchases could not have been fraudulent because it would have been impossible for someone to make these purchases without possession of the physical card. I followed up with them on the telephone today to inquire how that is possible. I did not make these purchases. These purchases were largely made at businesses and locations that I have never visited. These transactions were made over the course of 1-2 days and in quantities that are inconsistent with my use of the card over the time I have had an account. Additionally, they were suspicious enough that their own automated emails were sent to me. Yet once I agree with their system that they are, in fact, fraudulent they state that it is impossible that they are. I'd be happy to sign an affidavit or otherwise legally affirm the fraudulent nature of these transactions. Please let me know if there is any additional information that I can provide that will aid in the resolution of this Complaint. 

In researching my options regarding this issue, I noticed that Capital One apparently does have a history of stating that fraud is impossible and that a physical card was used even when some vendors, when contacted by the cardholder, state that they were not made in person and with a physical card. XXXX XXXX XXXX? XXXX
Product: Debt collection

When applying for a loan with my credit union this XXXX, I discovered there was a collection listed with Diversified Consultants , Inc . I looked into the matter further, and it was in reference to an account that I had with XXXX. They were trying to charge me, after 2month of bad reception in my area, for not returning a phone to them. But I never received a phone from them. I bought my unlocked phone XXXX XXXX XXXX, on XXXX and ordered a sim card from the carrier. I explained this to the lady over the phone. She said that whether the charge was valid or not, if I did n't pay it that it would damage my credit. So I paid it in order to have it not harm my credit. I just had my credit checked again last week and I found out it is still damaging my credit. I tried calling them, and they said since I had paid them already it was a valid charge and I no longer have the option to dispute it. They never told me that I could dispute it when I called them in XXXX. They just wanted to make a profit. I asked them for them to provide my information showing that the debt was valid in the first place so I could go about disputing it directly with the credit bureau. They said that XXXX has this information, not them. So I called XXXX and they said they no longer have that information, but Diversified does. I called them back, and they told me the same thing. I feel like this company gave me false information, they are giving me the run-around and now I am paying the price for it by having damaged credit which is preventing me from getting a good interest rate.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX  ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I had loan accounts opened in my name and it has negatively impacted my credit ratings.  I received a call when I used to bank with them that someone had tried to open several accounts with my information so not sure how this even happened?They have placed this on my credit reports and I am a victim of fraud and identity theft and never signed any documents opening any loan accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loan under my name and cosigner, with XXXX since XX/XX/XXXX which is a Federal student loan service provider and does not service Federal student loans. It only provides service for private educational loans. I was making auto debit payment option that offers me the peace of mind that comes with knowing my loan payments are being made accurately and on time. In XX/XX/XXXX, I notice my credit score drop by over 100+ point, and found out that it was missing of few payment on my loan and, I then contact XXXX for more explanation. I was told that my cosigner file Bankruptcy, because of that they did not take my auto debit payment, they just report to all credit bureaus with out my knowledge. XXXX did not send me letter or email or get no single call. They did said they will try to fix the situation, by this time damage was done. I was on process of buying house to my family, and I get deny because of this. Somehow it have been fix but it was too late. And then they did it again on XX/XX/XXXX with same unfair reason. My credit score drop by huge number again. I was told that I am not able to sign for auto debit payment no more and XXXX can not contact me or send me reminder for payment, I had to remember every month to call and make payment because the status of the loan is bankruptcy. why me? I am human I could forget payment, and XXXX did send reminder to every customer who are late from their payment but not me. I am the one who took the loan and I never say I would not pay. I only own {$290.00} from XXXX total. Its not fair for my family going through all this and pay all this price just because my old cosigner file bankruptcy. I am still paying but all I asking them that to fix the situation which they told me not this time. This matter affect my XXXX little kids life and my whole family. its cost me a lots to fix their first mistake and now back to problem. They are so fast to report late payment without one single attempt to contact me is affecting so many life.
Product: Debt collection

Crown asset management ( fl ) bought old debt I had disputed and removed off my credit. They began contacting me I believe in the late XXXX early XXXX of 2020. I told them to stop calling me because at this time I knew that they brought a case against me in court and I told them to let it be settled there. They still continue to call and also began to email I responded in writing in email, to stop harassing me, calling me and emailing me to let it be settled in court on XX/XX/2020 they emailed me again from an email that's not unmonitored because it says in the email 'respond here if you would like to settle " I responded told them once again, to stop harassing me to cease communication no more calls no more emails and then on XX/XX/XXXX they still emailed me once again at this time I reminded them again that I've already asked them to stop contacting me harassing me calling me emailing me not to reach out to me anymore reminded them that I requested to just let it be settled in court after this last time they finally did cease communication but luckily not after I saved proof in the emails