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

I XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/XXXX, Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax and XXXX credit reporting agencies, 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 a personal credit card account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, under the account number XXXX, XXXX XXXXXXXX card on XX/XX/XXXX under the account number XXXX, another XXXX XXXX XXXXard personal credit account opened at XX/XX/XXXX, under the account number XXXX, an account opened at XXXX  on XX/XX/XXXX with a an account number XXXX, an account with XXXX  opened on XX/XX/XXXX with an account number XXXX, an account with XXXX XXXX, opened on XX/XX/XXXX with an account number XXXX, an account with XXXX XXXX XXXX opened on XX/XX/XXXX with an account number XXXX, an account with XXXX opened on XX/XX/XXXX with an account number XXXX, an account with XXXX XXXX XXXXXXXX opened on XX/XX/XXXX with an account number XXXX, an account with XXXX XXXX opened on XX/XX/XXXX with an account number XXXX, and a XXXX XXXX bankruptcy, which has never been confirmed by the courts and I have not filed with a filing date of XX/XX/XXXX, as well as fraudulent inquiries of my credit report with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus have information on my consumer report that I'd never authorize. I've sent in numerous FTC reports to each ( XXXX, Experian XXXX XXXX ) However they are conducting an investigation due to the erroneous items allocated. Creditors such as ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violating my Consumer RIGHTS each creditor has failed to provide my right to privacy 3-disclosures under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT-OUT. It also violates Gramm-Leach Bliley ACT which is enforce for all Financial Institutions to protect the consumers information.

Having the right to do so, unfortunately creditors believe that it's somehow law to furnish your information to a 3rd non-affiliated party without your permission. That is indeed Fraud & Identity Theft sharing or using someone's information
Product: Credit card

Items were purchased on a business American Express credit card that were never delivered. I am the XXXX  for the credit card holder, XXXX XXXX XXXX XXXX The original charge was on XX/XX/XXXX for {$70000.00}. The vendor for the purchase was XXXX XXXX XXXX which subsequent to the purchase filed for XXXX  XXXX bankruptcy. The anticipated deleiver date of the items purchase was XX/XX/XXXX. In XX/XX/XXXX we learned that XXXX was having financial difficulties. We asked that the item we purchased be delivered. In XX/XX/XXXX we disputed the original charge with American Express. They began an investigation of the issue. After several months, on XX/XX/XXXX during a phone conversation with XXXX ( AMEX employee ID number XXXX ), a customer service supervisor, I was informed that AMEX would not be crediting our account for the amount, claiming that XXXX provided information that the items had been delivered. I have requested the documentation AMEX says that XXXX provided the information but have not received it.
Product: Credit reporting or other personal consumer reports

I recently have been submitting multiple request for investigation and reinvestigation of these account ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which Equifax refused to properly conduct. I submitted enough factual highlighted and outlined information for them to carry out a reasonable and thorough investigation of my disputes, they obviously did not investigate these accounts lawfully the last four times that I submitted my factual disputes through the mail certified.
Product: Checking or savings account

XXXX, paycheck not deposited in the amount of XXXX, company has made no actions to reimburse or disperse funds
Product: Debt collection

I requested debt XXXX to formally send a letter to my home address regarding the $ XXXX debt on XXXX XXXX XXXX and have not received a single document. Previously have spoken with XXXX XXXX from collections admin, a XXXX and A representative by the name of XXXX regarding additional debt information. I sent in a formal document requesting the removal of my name from current debt since the other XXXX lease holders wrote and signed a document stating that they were solely responsible for the current debt. I did not receive nor get any information through email or mail regarding that debt was accumulating. Therefore I am asking for help and proper representation to get my name off of this debt since it is currently damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Product: Credit card or prepaid card

I have written to XXXX XXXX two times and called them asking them to close my account yet they continue to send me bills adding in penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act the following companies have violated my rights XXXX. XXXX XXXX XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX XXXX. XXXX 's account # XXXX XXXX. XXXX credit account # XXXX XXXX. XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX XXXX. XXXX XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX XXXX. XXXX XXXXXXXX XXXX account # XXXX XXXX. XXXXXXXX XXXX  account # XXXX XXXX. XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions The last 4 digits of my SSN is XXXX
Product: Credit card or prepaid card

I told them that I ran into health issues and can not pay at the moment at all. Each representative still tried to force me into payments that I let them know I can not pay at all due to being XXXX and sick constantly. 
Was talked to rudely and asked about type of health problems that has nothing to do with payment and was told it was people with bigger issues that can pay still. I asked them not to contact me anymore because it was harassment being theyre calling 3 times daily and I specifically said I cant pay at the moment. I was contacted on Saturday while in church and asked representatives not to call and said it was very inconvenient. They called back twice from unknown numbers while I was still in service and left messages within an hour of me saying Im in church and not to call. Also Sundays, on XXXX XXXX I was sick in bed and couldnt be with my family but my phone kept ringing from unknown and blocked numbers and it was always XXXX XXXX. Constant harassing phone calls after I asked not to be contacted and arguing representatives when I am sick and unable to defend myself. Im sick daily and any communication Ive had with the representatives, my day ends up worse. Most days I cant get out of bed but if I speak with them, Im worse and cant keep anything down due to XXXX   XXXX and XXXX. Stress aggravates these XXXX. Im unable to eat any kind of food and have been on Boost ONLY for 3 years now and I try hard to eliminate stress so I can keep down the Boost and avoid another feeding tube. Ive had my doctors track my weight and I was doing well until they started harassing me and now Im looking at another possible feeding tube.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was contacted by the Citi fraud department because they detected fraudulent charges on my account. I reviewed all of the charges made that day and confirmed the charges they flagged were fraudulent, including : - XXXX, XXXX, for {$1300.00} - XXXX XXXX, XXXX, for {$1900.00} - XXXX XXXX, XXXX, for {$3200.00} - XXXX XXXX, XXXX, for {$3400.00} - XXXX XXXX XXXX, XXXX, for {$4200.00} They refunded the charges while they conducted an investigation. I had my credit card in my possession, so they cancelled the card and issued a new one. I talked to their fraud department two more times and answered all of their questions for the investigation. 

I didn't hear any updates until I saw the charges from XXXX, XXXX, XXXX XXXX and XXXX back on my XX/XX/XXXX statement ( attachment 1 ). I had been traveling for two months out of the country and have my account on auto-pay so hadn't really been watching closely. I called customer service to ask why those charges were back on my account. The customer service representative said they might have mailed something to me, so while on hold I checked my mail from Citi and found a letter from them saying they were not refunding the charges because I had the card in my possession ( attachment 2 ). 

When I was connected to the fraud department they reiterated the information in the letter. I told them that the charges were definitely fraudulent and reminded them that they were flagged by their own fraud department, and the representative said that she would reopen the case but that, " They likely won't refund the money since I had the card in my possession. '' This was very frustrating since it's more than {$12000.00} in fraudulent charges! I live in XXXX and the charges were made in the surrounding areas. I don't know if they have the timestamps for the other charges or if they have reached out to those vendors, but I also made charges in XXXX that morning on the same card. It's not possible to be two places at once. I also rent an apartment, and if they compared these charges to my usual activity they would see that I have no use for tens of thousands of dollars of building supplies. Oddly, they did find the charge from XXXX fraudulent and took that charge off my account. 

I filed a police report with the City of XXXX and the case number is XXXX ( attachment 3 ). 

I am hoping you can help. This is a very frustrating situation, and I am not confident that Citi is willing to help me.
Product: Credit card

On XX/XX/2024, we ordered foreign currency from XXXX XXXX XXXX using my Capital One Venture X card. I was charged a Cash Advance Fee of {$26.00}. I called on XX/XX/2024 to inquire why I was charged the fee and was told because I ordered foreign currency. But I didn't order the currency from Capital One and I didn't not obtain cash from my credit line with Capital One. 

Last year, I ordered foreign currency from XXXX XXXX XXXX using my XXXX XXXX and was not charged a cash advance fee. 

When I called Capital One to inquire about their Cash Advance Fee, XXXX the agent said the fee is valid and I would be charged 29 % interest on the money every day until it's paid off. 

I just feel this practice is not fair and maybe not legal. I'd like to file this formal complaint against Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Experian and XXXX in XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX via certified letters informing them that they are incorrectly reporting a negative account as a status of being scheduled to continue on record until XX/XX/XXXX. I referred them to the Fair Debt Collection Practices 1978 and the Fair Credit Reporting Act 15 USC 1681. I referred them to an on-line article, written by Experian themselves and still found on-line for consumers to read, written on XX/XX/XXXX by XXXX XXXX, where they note that the 7 year period starts from the date the account became late and was never current again. My account, verified by the bank, 3 different times as correct over the past 2 years, was noted to be 30 days late in XX/XX/XXXX, 60 days lateXX/XX/XXXX ; 90 days late XX/XX/XXXX; 120 days lateXX/XX/XXXXand Charged off inXX/XX/XXXX The first 30 day delinquency in the series will start the 7 years reporting and the entire series needs to be deleted after 7 years. Experian and XXXX is in violation of the 2 laws and need to be held accountable, especially since they needed to settle inXX/XX/XXXX with 31 state attorneys on inaccurate credit reporting information on consumer reports.
Product: Credit reporting or other personal consumer reports

I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4
Product: Debt collection

In XX/XX/XXXX I opened an account with Capital One and due to XXXX I was unable to keep up with payments. In XXXXXXXX XXXX  XXXX I paid my card of without the knowledge of the pay to debt option. I've paid my credit card off and now the debt is still on my credit as a paid Charge of and it's affecting my credit score. Had I known of the pay to delete option I would have went that route. But my lack of knowledge when it comes to resolving credit debt is now affecting me negatively
Product: Credit card or prepaid card

XX/XX/2018 in the amount of {$270.00} I have tried to contact this company to let them know it was fraud and i never get an answer.
Product: Student loan

I have a borrowers defense case in which the Department of Education deemed my former school to be fraudulent. The Department of Education approved my case for a 100 % refund. My serviced at the time ( Navient ) has told me they wont give me a refund because I paid my loans in full. Whats the difference whether they were paid, not paid, forgiven, etc. I used my sign on bonus from the military to pay off those loans and do the right thing. Fraud is fraud, and I should be paid back in full like the Department of Education recommended.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the inquiry for XXXX XXXX XX/XX/XXXX or XXXX XXXX  XX/XX/XXXX. 

I went to a car dealership and did not authorize multiple lenders to pull from my report. 
UNAUTHORIZED * XXXX XXXX XXXXXX/XX/XXXX * XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my consumer report and noticed some unauthorized accounts on my consumer report. INNOVIS ASSUMED a vital role in assembling and evaluating consumer credit and other information on me pursuant to 15 U.S. Code 1681 ( a ) ( 3 ). INNOVIS assumed the role WITHOUT my written permission nor consent. INNOVIS did not respect my right to privacy pursuant to 15 U.S. Code 1681 ( a ) ( 4 ). There is a need to insure that INNOVIS exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy. INNOVIS did not exercise their grave responsibilities. INNOVIS is unfair, partial, and disrespecting my right to privacy by reporting the current information INNOVIS have on file about me. INNOVIS NEVER HAD PERMISIIBLE PURPOSE TO REPORT ANYTHING ABOUT ME IN THE FIRST PLACE!! Pursuant to 15 U.S. Code 1681b ( 2 ) INNOVIS may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. INNOVIS HAS NO WRITTEN INSTRUCTIONS FROM ME TO FURNISH A CONSUMER REPORT ABOUT ME!! NOT ONLY DID INNOVIS HAVE NO PERMISSIBLE PURPOSE TO FURNISH A CONSUMER REPORT ABOUT ME, INNOVIS DID NOT HAVE MY CONSENT TO SHARE ANY NONPUBLIC PERSONAL INFORMATION ABOUT ME TO ANYONE. THE CREDITORS/DATA FURNISHERS THAT INNOVIS RECEIVED NONPUBLIC PERSONAL INFORMATION ABOUT ME DO NOT HAVE MY CONSENT TO SHARE ANY OF MY NONPUBLIC PERSONAL INFORMATION TO ANYONE ( REGARDLESS OF ACCURACY ) WHICH IS AN INVASION OF MY PRIVACY AND A VIOLATION OF THE GLB ACT AND CRIME UNDER 18 USC. 1 ) INNOVIS should not even have any information about me in the first place because I never gave consent to any information about me being shared to INNOVIS nor was I given the option to opt out of my nonpublic personal information to be shared with any nonaffiliated third party which is required by law. 2 ) INNOVIS NEVER communicated with me about any information that INNOVIS reported about me on my consumer report in their initial investigation. 
INNOVIS IS UNLAWFULLY FURNISHING REPORTS ABOUT ME THAT DAMAGES MY REPUTATION. INNOVIS IS USING MY NONPUBLIC PERSONAL INFORMATION WITHOUT MY CONSENT, IN AN ADVERSE MANNER TO ME, THAT DAMAGES ME MENTALLY, FINANCIALLY, EMOTIONALLY, DOES NOT BENEFIT ME BUT BENEFITS INNOVIS FINANCIALLY, which is fraud and aggravated identity theft which is crime under 18 USC!! I DEMAND THAT ALL INFORMATION ( INCLUDING PROMOTIONAL INQUIRIES ) THAT INNOVIS REPORTS ABOUT ME BE DELETED IMMIDIATELY!!!!!!!!!!!!! Peace, love, and prosperity to the reader of this complaint. I DEMAND A RESPONSE FROM YOU WITHIN 15 DAYS UPON RECEIPT OF THIS COMPLAINT!! 

ATTACHED IS A RECENT COPY OF MY CONSUMER REPORT AND PROPER IDENTIFICATION
Product: Debt collection

I recently contacted XXXX XXXX XXXX in XXXX about XXXX XXXX XXXX, about a judgement that was put on me XXXX. Then I received a email Mountain Law Group in XXXX Colorado from a XXXX XXXX managing Attorney of this firm, she purchased this account that was supposed to be changed off. I received these documents in the mail over the weekend, I have worked hard to get my credit straight, and this shows up in XXXX. I will send these documents included, I want my state attorneys office to look at this.
Product: Credit reporting or other personal consumer reports

This is the second time Im bringing this up, and I should not have to keep repeating myself. Experian has failed to remove the unauthorized account ( XXXX XXXXXXXX - XXXX ) from my credit report, despite my previous dispute. This is a blatant violation of the Fair Credit Reporting Act ( FCRA ), and I demand immediate action. I never opened this account, never authorized it, and never consented to it being reported. Yet, Experian continues to wrongfully include it in my file. This is not just an oversightit is gross negligence, and at this point, it appears to be willful noncompliance with federal law. Experian has no permissible purpose under XXXX XXXX XXXX to keep reporting this account. Under XXXX XXXX XXXX ( a ), Experian is legally required to conduct a reasonable reinvestigation, yet this account remains. XXXX XXXX XXXX ( b ) requires Experian to ensure maximum possible accuracy, but this continued misreporting proves a complete failure in that obligation. Additionally, XXXX XXXX XXXX ( a ) holds furnishers responsible for the accuracy of the information they report, and right now, that responsibility is being completely ignored. I am demanding the immediate deletion of this unauthorized account. I expect written confirmation that this account has been removed and an updated credit report reflecting the correction within XXXX XXXX. Since I have already disputed this and Experian has failed to act, I am also demanding your method of verification under XXXX XXXX XXXX ( a ) ( XXXX ). Provide the exact details of how this account was verified, where the information came from, and who confirmed it. If Experian can not provide proper verification, the law requires you to delete this account immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Ban k Personal Loan w as paid in full on  XXXX   XXXX ,  2017 . The bank has failed to report to the Credit Bureaus that the loan is paid. The Credit Bureaus still show an outstanding balance of {$4000.00}. I have contacted the Discover Bank more than  two  months ago by telephone. They said to give it time to show on Credit Report. I have a confirmation by email from Discover Bank showing balance paid in full on  XXXX   XXXX ,  2017 . I attempted to file an online dispute with  XXXX   XXXX  and it came back as " automated failed attempt. ''
Product: Credit reporting or other personal consumer reports

I have recently engaged in a dispute process with XXXX, XXXX, and Equifax concerning certain entries in my credit report. The basis for my dispute lies in the inaccurate reporting and non-compliance with the XXXX standards of the accounts in question. As you may be aware, the XXXX Compliance system, established collaboratively by XXXX, XXXX, Equifax, and XXXX, aims to ensure the precision of consumer credit reports. Regrettably, XXXX, Equifax, and XXXX have not adhered to these established guidelines. 

The rationale behind this dispute pertains to inaccurately reported accounts within my credit history. It has come to my attention that notably ; XXXX, XXXX, and Equifax adherence to the stipulations outlined in 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681 ( e ) ( b ) has not been fully observed. I have diligently attempted to rectify these inaccuracies with XXXX, XXXX, and Equifax 's assistance. Despite the evident misreporting of the accounts, XXXX, XXXX, and Equifax has chosen not to eliminate the adverse entries from my credit report. In support of my claim, I have appended documentation reflecting my communications with XXXX, XXXX, and Equifax, alongside compelling evidence substantiating the imperative removal of these negative accounts. 

I kindly request your appraisal of the furnished evidence, with the aim of facilitating the expeditious removal of the aforementioned negative items from my credit report. Your expertise in this matter would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday XX/XX/XXXX, I spoke with an account specialist at Capital One who advised me to send in a written complaint to have this matter addressed. As the accompanying documents show, this account is being reported with/as false information on my credit file with at least three credit reporting agencies. Not only is the information false, unclear and misleading, but it is also being shared unlawfully without my express written consent.