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

On XX/XX/2022, charges were made on my Capital One SavorOne World Elite Mastercard credit card account ending in XXXX in the following amounts by a company called XXXX  : {$58.00}, {$190.00}, {$750.00} and {$480.00}. I did not have anything to do with these charges. The fraud also occurred simultaneously on another credit card of mine and on my debit card. The company name changed once it processed on the credit card statement to XXXX XXXX XXXX for the {$58.00} charge and XXXX XXXX XXXX XXXX XXXX for the other three charges. 

The morning of XX/XX/2022, XXXX from Capital One Fraud Department telephoned me to inquire if I was aware of these charges. I told her I was not aware and she immediately confirmed she would put a restriction on the credit card to investigate these charges. The case number is : XXXX. 

After complaining by telephone to Capital One 's fraud department that I didn't think they should ask for an image of my social security card as part of the fraud claim, I gave up and on XX/XX/2022, I uploaded images of all the documentation Capital One required, using Capital One 's link they emailed me. I had to send them my Driver 's License, Social Security card, and proof of residency. 

I have telephoned Capital One nearly every week since this fraud occurred and each time the representative asks for the documents again. Each time I remind them I've sent the documents twice already, to which they reply I will hear from them between 7-10 working days. It has been over a month since I asked Capital One to remove these fraudulent charges. Thank you!
Product: Credit reporting or other personal consumer reports

I notified the three, that I was a XXXX XXXX XXXX XXXX and provided documentation of court order and attorney demand for action. I have ground and damages from this incorrect information being reported and considering a lawsuit. 
XXXX : XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX XXXX XXXX XXXX, TX XXXX TransUnion : XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C. 1681i XXXX, XXXX XXXX Trans Union shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and RECORD the Current Status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The credit bureaus mentioned above have absolutely Violated my rights numerous times. I have attached my disputes for each credit bureau, my identification information and the certified receipts for when I sent my disputes to each credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

DESIGNED RECEIVABLE SOLUTION- REPORTING INACCURATE INFO. 
VILOATIONS OF HIPPA
Product: Credit reporting or other personal consumer reports

Account Number or other information to identify account : Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$4300.00} Balance last updated : XX/XX/year> Balance : {$4200.00} Balance last updated : XX/XX/year> Type of disputed information : public records information unknown credit account/tradeline inquiry Dates associated with item being disputed : XX/XX/year> Explanation of item being disputed : The report shows I owed money to the company that I have already repaid. This account was paid in full on XXXXXX/XX/year> Dispute 2 Account Number or other information to identify account : Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$4200.00} Balance last updated : XX/XX/year> Source of dispute information : XXXX Experian.com Type of disputed information : public records information unknown credit account/tradeline inquiry Dates associated with item being disputed : XX/XX/scrub>XXXX  Explanation of item being disputed : The report shows I owed money to the company that I have already repaid. This account was paid in full on XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX accounts ( auto loan, XXXX installment loans, and XXXX collections. XXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX with Account number XXXX, XXXX  XXXX XXXX XXXX XXXX opened XX/XX/XXXX with account number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXX, XXXX XXXX XXXX XX/XX/XXXX account number XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX account number XXXX, XXXX opened XX/XX/XXXX account number XXXX, XXXX opened XX/XX/XXXX account XXXX XXXX. Also make note of the unauthorized inquires XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXXXXXX XXXX XXXXXXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently my mortgage loan score, auto loan. Dropped after XXXX money was paid i early XXXX. They just did an evaluation an my credit score didnt move. Mind you i was only XXXX in debt. Paid half of that debt off. To include i make XXXX by myself not including my spouses XXXX she makes. How is it that my scores are XXXX, XXXX, XXXX. Ive reported indentity fraud to the bureaus with evidence of it an they still hold this information as a liability to my credit. I collect retirement from 20 years of the military and i currently work how it is possible for my credit to be so low. I need this situation investigated because they poorly managing my credit and because of it as just retiring last year as a XXXX  veteran I can't buy my family a house of their own, a suitable loan for a car an be comfortable from after defending my country.
Product: Debt collection

I had three XXXX County, FL court dates in XXXX regarding old credit card debt. These accounts were purchased by a third- party collections agencies who posed as legal representatives for Captial One Bank ( USA ) N.A. However, Capital One sold the two credit  card debts, as stated on my XXXX XXXX account. I went to court several times about this matter, filed motions to dismiss because the collections agencies were misrepresenting/posing as Capital One Bank ( USA ), N.A. legal counsels, and was fighting the cases. Then the courts were shut down in XX/XX/XXXX ; with pending court dates. All civil cases are suspended until further notice due to COVID-19.

A few days ago ; the collections agencies made new reporting to  XXXX  about the XXXX & XXXX credit card debt. They changed the last payment date that has/would re-set the statute of limitations of five years. I have filed dispute claims. I am requesting to file a complaint with this agency about the unethical tactics. 
In the XXXX CC XXXX case ; XXXX XXXX XXXX, XXXX. posing as Capital One Bank ( USA ), N.A. They are a debt collections agency that buys old charge-off debt. This company does not represent Capital One Bank ( USA ) N.A.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 

Account Name : XXXX  XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX  XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX ) Account # XXXX Account Name : CREDIT XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : AAA ) Account # XXXX Account Name : ( Original Creditor : ) Account # XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Payday loan, title loan, personal loan, or advance loan

Received an email from Affirm saying that I have XXXX loans that are processing that I did not authorize or make, I contacted Affirm to report the loans as fraud and they said they are opening an investigation. The first loan was {$640.00} and the second loan was XXXX. I fear that I am a victim of Identity theft which is why I am writing this complaint. The first attachment is the XXXX of the loans that I did take out, and the other attachments are of the fraudulent loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

iam invoking my special Private Agreement and Authorization XXXX  XXXX, for infrinements and idenity theft,12 USC 1430,31 USC3123 , 15USC1602, U.U.C 3-104,31 USC5118 , HJR! 92.theses are the following that has been in breach i never gotten any loan from {$43000.00}, Inever got the loan from XXXX XXXX which they use my for the note and used my credit without my consent and sold the car with out my consent.i would like the property to be returned or pay back in full for infringment and value of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to get financing for a car loan. I was excited to go to the dealership until the car salesman came back into the room and informed me that he wasn't going to be able to get me financing for any vehicles. This caught me by surprise because I have always understood the importance of having and maintaining good credit history. So I always did my best to make sure I kept all of my affairs in order. So of course I was full of many different emotions when the salesman informed me that I wouldn't qualify for any financing. These negative items being reported on my credit report are not my accounts. I demand them be removed. This is defamation of character. This is also a FDCPA violation 15 USC 1692d. Reporting inaccurate items on someone credit report negatively affects a consumer 's reputation. FCRA 15 USC 1681 states that a consumers credit report is the consumer 's reputation. If these items are not removed immediately I will seek litigation. I also provided evidence to support that I was a victim of the XXXX  data breach.
Product: Credit card or prepaid card

This submission is more a suggestion than a complaint. 

Credit card companies should provide a running register of charges and payments. This would provide an up to date balance of the credit card. 

Pending charges would be added to the balance as they are verified. 

The current reporting system is not real-time but has a lags in between the times payments are sent, payments are received by the credit card company and payments are posted by the credit card company to the charge card balance. These delays do not exist for charges to the card, many of which appear within minutes of the purchase. 

The change would provide users a better tool for seeing the cards current status and for managing charges and payments. 

It is a simple accounting fix.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a formal dispute letter to Equifax, contesting several collection accounts that appeared on my credit report. These accounts were inaccurate and unrecognized by me. In my letter, I requested that Equifax validate these accounts and provide the necessary documentation to support their presence on my report, as required under the Fair Credit Reporting Act ( FCRA ). Despite providing all required information and documentation, I did not receive any response from Equifax within the mandated 30-day period. 

The accounts in question are as follows : XXXX : {$2900.00} XXXX XXXX  : {$2500.00} XXXX  : {$1000.00} XXXX XXXX XXXX : {$3500.00} XXXX XXXX XXXX {$450.00} XXXX XXXX  XXXX : {$5600.00} XXXX XXXX  : {$8200.00} After receiving no response, on XX/XX/year>, I sent a follow-up dispute letter to Equifax, reiterating my request for validation of these accounts and demanding their removal from my credit report if they could not be verified. I reminded Equifax of its obligation under Section 611 of the FCRA to conduct a reasonable investigation and respond within 30 days. 

To date, Equifax has failed to provide any response, and the disputed accounts remain on my credit report. This lack of action on Equifax 's part not only violates the FCRA but has also caused significant harm to my creditworthiness and financial reputation. I am now submitting this complaint to the CFPB, as Equifax 's continued non-compliance with the FCRA and refusal to rectify this issue have left me with no other recourse. 

I seek immediate intervention to ensure that Equifax investigates this matter thoroughly and removes the unverified accounts from my credit report.
Product: Credit card or prepaid card

I am writing to formally register a complaint against Chase Bank for their recent conduct, which has resulted in both financial losses and considerable inconvenience on my part. This issue involves a promotional offer involving the Amazon Prime Card, which Chase advertised during XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Chase 's advertisement promised customers a 7 % cashback on all purchases made using the XXXX XXXX XXXX during the event. This promotion was the sole reason I decided to obtain the XXXX XXXX XXXX, despite already being a holder of two other Chase cards. The attractive cashback offer seemed like an advantageous deal and thus, I found it compelling enough to add another card to my account. 

Encouraged by this promotion, I placed orders worth {$3000.00} on XX/XX/XXXX, and further orders amounting to several thousand dollars on XX/XX/XXXX. To my dismay, Chase began to decline my purchases after a certain point, despite my immediate attempts to resolve the situation. I personally contacted Chase multiple times, conversing with different representatives from their fraud protection department and customer service, yet my transactions continued to be denied. Over 20 attempted purchases were declined, causing my orders to be delayed until after XX/XX/2023. 

This unexplained and ongoing denial of transactions deprived me of the cashback benefits that Chase had promised, resulting in my orders being pushed beyond the promotional period. Additionally, the " no rush delivery '' option on XXXX, which was advertised to offer extra cashback, was negated due to these transaction denials, resulting in further loss of hundreds of dollars. 

I believe this constitutes false advertising and a breach of trust on Chase 's part. Their failure to honor the promotional terms they used to entice customers into obtaining the new card, combined with their inability to address the issue adequately, have caused me significant financial losses and distress. 

I request the Consumer Financial Protection Bureau to investigate this matter, hold Chase accountable for their actions, and ensure suitable redress is provided to affected customers, including myself. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will handle this complaint seriously, and I look forward to your prompt response.
Product: Mortgage

On Monday XX/XX/XXXX at XXXX my husband and I signed refinance papers at our home. The attorney who came to our home left without leaving any copies of any signed documents. He did not leave any way to contact him. Further, he had a strong odor of XXXX on his breath. There many things we were uncomfortable with the way things happened. On Thursday XX/XX/XXXX I emailed the lender and told him we did not have any right of rescission document and wished to have one, but regardless we advised him that we wanted to exercise our rights and not go through with the loan. Later the same day I followed up with another email to confirm to him we wanted to exercise our rights. 
On XX/XX/XXXX I received a phone call from an individual who said they represented the closing attorney and was advised they had neglected having us sign a document and they would send an attorney to me to get it signed. At that time I told them we had exercised our rights not to go through with the loan. 
By this time I had already started a loan process with a different lender. 
On XX/XX/XXXX I received notice that my automatic payment to Bank of America, my current lender, had been discontinued indicating that funds had been dispersed. Upon arriving home I found that a certified check for the difference between what we owed to Bank of America and what the lender who had been notified we did not want to proceed. Even this check is not what we had expected had we gone through with the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXXXXXX Balance : {$160000.00} XXXX XXXXXXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$4500.00}
Product: Debt collection

Unknown account listed on my credit file which I disputed and no response. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Called them to ask if they can take some of the inquires off from XXXX XXXX they told me to get in contact with XXXX XXXX i did and i check up with XXXX   they told me they Submit paper work and when i check with them they said they didnt recieve and now XXXX  is not answering my calls
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have contacted MIDLAND CREDIT MANAGEMENT many times trying to get this debt removed thats bringing down my credit badly. They have failed to respond and I would like that debt removed off my credit.The credit amount is false and I never took out credit with this company.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got these accounts that are not mine and i want it to be removed ASAP. See the list here : 1. Identity Theft CREDITPLUS Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft CREDITPLUS Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft CREDITPLUS Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft CREDITPLUS Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

XXXX, is reporting my account for the month of XXXXXXXX XXXX 90 days late on my Transunion, consumer report and a 120 days late for the same time on my XXXX, XXXX consumer report. This error is causing the student loan accounts to report negative.