23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit has been compromised. Again, I was going through my records & noticed many Inquiries which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these Inquiries. 
XXXX XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX Date of Inquiry XX/XX/2020 If you feel there is a possibility these Inquiries belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've paid all accounts in full and its listed on report as closed also my credit score has not changed in 3 months or more I contacted them several times but it still doesn't change XXXX XXXX is not reporting correctly
Product: Prepaid card

I received an American Express gift card as a present- the card advertises it can be used anywhere American Express is accepted. However, it gets declined everywhere no matter how much I try to spend. American Express said there is no hold on the card. The full balance is available but the card is rejected everywhere and doesn't actually let me spend anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX Account number XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX has violated rights of privacy. 15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

Transaction details Print Payment sent to XXXX   XXXX|XXXX|FL XX/XX/2019 at XXXX XXXX  PDTTransaction ID : XXXX Payment Status : COMPLETED Payment Type : In Store Purchase Gross amount - {$390.00} USD We have no postal address on file PAYPAL FAILED To INVESTAGE THE CLAIM AT ALL, DENIED IT WITHOUT CONTACTING THE " SELLER '' ( AS THEIR BROKEN SYSTEM TERMS THE THIEF ) FAILED TO EVEN REQUEST ANY DOCUMENTATION OF HOTEL ROOM DAMAGE OR THE HOTEL CONTACT WHICH DETIALED A REFUND WAS DUE.
Product: Money transfer, virtual currency, or money service

Sent {$300.00} on cash app and it was a scam I reached out serval times to cash app and never got a response or money back
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4200.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00},
Product: Credit reporting, credit repair services, or other personal consumer reports

During the XXXX XXXX, 2017 i had an inquiry placed on my XXXX credit report. The Unauthorized Inquiry was placed by XXXX while i was in XXXX XXXX. I never authorized this as why i disputed it both by telephone and online with XXXX with no results. XXXX denied to assist and i was placed on hold and had a remark added to my account. Under the FCRA a hard inquiry must have " Permissable Purpose ''.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX Credit Karma, a company by which Headquarters is located on XXXX XXXX XXXX, CA guaranteed I'd be approved for a credit card by CreditOne or they'd give me {$50.00}. I applied, a hard inquiry was placed XXXX XXXX, my XXXX XXXX dropped and I wasn't approved. Credit Karma did not give me the promised {$50.00}. Weeks after trying to get the money I was forwarded XXXX XXXX allegedly digital dollars on a digital card bearing the XXXX logo. The card doesn't work. No matter how I try to use it to buy anything online or try to transfer it, it doesn't work. I've call the card 's customer service and they keep lying saying it's active and they don't see any attempts of me trying to use it but that's a lie and its starting to seem like this us all an elaborate scam by XXXX Credit Karma.
Product: Credit reporting or other personal consumer reports

This is yet again totally illegal as of XX/XX/XXXX and is totally illegal by reporting from these credit Bureaus. Please remove these items or legal action will be taken. 

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXXXXXX XXXX XXXX  XXXX {$210.00} Date Opened XX/XX/XXXX XXXX XXXX {$4900.00} Date Opened XX/XX/XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX {$250.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX {$0.00} XXXX {$0.00} Date Opened XX/XX/XXXX XXXX XXXX {$0.00} Date Opened XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

filed complaint with XXXX of false information being reported on my credit remove. By LVNV lending account number that shows on credit report is XXXX. I have no account with LVNV. I have reached out by mail to ask what this account is and my ties to the debt. I have not received any replies and never have been notified. I would like this debt removed ASAP.
Product: Checking or savings account

Wells Fargo case number XXXX XXXX summit a dispute with Wells Fargo for XXXX transactions that were not made by me it was transactions that say were made through XXXX XXXX  you can check my history Ive never made a transaction anymore near those amounts, its in the thousands, so this is a lot. I called them explained what happen, they deactivated my card and sent me a new one, and was told to wait XXXX business days, today I get told that a error was not made I never claimed a error happened, I never made those charges to XXXX nor have I ever made any transactions in the past for such high amount, they should clearly be able to look at my history and see that it looks suspicious. They didnt provide a detailed explanation of what was happening nor why they decided to not help me. Ive been a Wells Fargo customer since a teenager and Id hate to leave over them not making the right decision.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> my Venmo account was deactivated/ frozen with a balance of {$7700.00} and I was told that my funds will be held for 180 days for loss and prevention purposes, and I have still not received my funds. I was sent a email stating that the status of my account has been temporarily adjusted so I can transfer my funds, but I still am able to transfer my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately. 
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 XX/XX/2021
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
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 confidentially under 15 USC 1681. Act Name : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than XXXX ( XXXX ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I send dispute letters around XXXX or XX/XX/year> asking for proof of debt owed and no proof was given.
Product: Credit reporting or other personal consumer reports

I have several inquiries that I don't recognize and don't know how or why they are reporting. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My parents have been receiving phone calls on an almost daily basis from ERC, Enhanced Recovery Company. My mom was given a reference number and a number so that I could contact them. When I called it was brought to my attention that XXXX had requested they start a collection process from me. I contacted XXXX only to find out that there were multiple accounts opened under my name, which have since been closed. Never have I opened or used a XXXX account. They were made aware of this, but somewhere between XXXX and ERC the communication was lost.
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check from a family member via mobile deposit on the Capital One app. The funds were supposed to be available on XX/XX/XXXX. The check caused a restriction to be placed on the account. I called on XX/XX/XXXX and the restriction was removed, but the funds will be available on XX/XX/XXXX. My rent is due on XX/XX/XXXX, and this will cause my check to not clear in time, and this is due to Capital One 's restrictions on the account. I have cashed multiple checks from the same person for varying amounts, with some also triggering fraud/verification alerts. In the previous 90 days, I have cashed checks from the same family member on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX, and XXXX XXXX. Each check I depend on for my living expenses, and I hope that Capital One notices that the same person sends checks each month for my living expenses. It is a major inconvenience to have to call to verify each and every check that I get and it has major implications on my everyday life and causes unnecessary hindrances, including late fees and threats of eviction that total more than a day 's wages.
Product: Bank account or service

This letter is to follow up on our recent contact with you earlier this month. As we explained, we have been the victims of identity theft. It recently came to our attention that our names, home and business addresses, dates of birth and social security numbers have been used to open savings and checking accounts and to obtain pre-paid debit cards. 

Specifically, in 2016 our personal information was used to open a checking account at Capital One 360. Of note, this occurred without Capital One performing a credit check with any of the XXXX credit reporting agencies, and fraudulent email addresses and phone numbers were provided and not checked for validity. We believe these are egregious practices. We have spoken with Capital One, who has reportedly closed the account. 

We are informing you of this so that any further activity using our names and numbers without our knowledge or consent should be considered part of that identity breach. Further, we have requested that our financial institutions inform us of any activity using our names and other identifying information prior to completing any fund transfers, opening new accounts or any other financial activities. 

We are reaching out to you with this letter on advice of our legal counsel and the Oregon Attorney General 's office, and as one of several law enforcement-recommended actions. We have already notified the XXXX credit reporting agencies and our other financial institutions. We have filed official reports with our local law enforcement agencies and the Federal Trade Commission. 

Our goal is to be proactive in protecting ourselves, as well as to assist our financial institutions, law enforcement and legislators to address an apparent gap in this vulnerable system that needs immediate repair. We would like you to work with us to help stop this fraudulent activity. For instance, we believe that all banking institutions should be required to perform and document a formal credit check, as a matter of legal record, in order to open a new account of any kind and to double check the validity of email and phone information provided. 

The Oregon Attorney General 's office has advised us to be in constant contact with our financial institutions as we do our part to monitor this situation closely. Needless to say, the more cooperation there is between stakeholders, the more likely criminal behavior such as this can be dealt with effectively toward a just resolution. We have requested that our accounts have a notation documenting this identity breach. We have changed our passwords, added an additional security " code word '' and initiated Voice Print identification to our accounts. 

Any further suggestions for additional actions we can take toward protecting ourselves would be appreciated. 

Thank you so much for your good work.
Product: Bank account or service

1. I am making payments on my mortgage every 2 weeks before the payment is due and the bank is not reducing the principal until the second payment is reached. 
2. I contacted the bank and they say they do not apply partial payments, however the payment is being paid before the due date 3. I spoke with XXXX XXXX says I do n't have to pay that way if I do n't like it
Product: Credit reporting or other personal consumer reports

After multiple attempts of contacting Experian via mail, Iam asking for the CFPB assistance. There is a loan appearing under my credit report that is fraudulent and was never opened by me. Details of the Mortgage loan show XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$11000.00} which has been charged off. The reported balance is {$0.00}. The inclusion of these items has profoundly impacted my life, causing significant stress It is crucial to reiterate that I did not authorize or consent to the association of this information with my name for I have fallen victim to identity theft. Attached to this Document you will see My IDENTITY THEFT REPORT WHICH IS RELATED to this Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and any other variations are false. Due to prior efforts in trying to update my name, addresses, explaining the identify theft Ive endured, following the consumer dispute process and doing my due diligence in written instruction to XXXX, Equifax, and XXXX are in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
I made these third-party agencies aware of the issues with these accounts below and they still refuse to comply. 

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

15 U.S. Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I applied to First Bankcard XXXX, XXXX for a XXXX visa card XXXX  credit cards on XXXX and XXXX XXXX 2017 since I like ordering products from those websites. Receive an email stating they may need to verify my identity. I contacted the above bank and had them verify my identity. I was told I was declined for both cards several days later and that I would receive an letter stating both applications were declined. I received the decision letter between XXXX XXXX, 2017. One letter stated I was denied credit while the other application stated unable to verify identity. I was told once again on phone both applications were denied for too many applications. I assume the representative was rushing to get me off phone instead of trying to help me. If both applications were denied because excessive inquiries then both letters should of stated this information. I am therefore filing complaints because this just is n't right! I will be forced to file additional complaints since this bank being too difficult to get a card with. I do n't feel this bank cared enough to help me. I was just another application to them!
Product: Credit reporting

On XXXX XXXX, 2016 I received a letter from Equifax dated XXXX XXXX, 2016. Equifax responded to my disputed inquiries that I made them aware of since XXXX 2016. Equifax stated to all my disputes " Inquiries are a factual record of file access ''. I requested Equifax to conduct a legitimate investigation and provide me a copy of the documentation that was used to verify that the inquiries were legitimate. Equifax has failed to comply with my request and have exceeded the XXXX required by the FCRA to conduct there investigation. The dereliction of duty by Equifax is having a negative effect on my credit worthiness and credit score causing me to have a great measure of distress. The following are the disputes I filed with Equifax : XXXX XXXX ( 2 TIMES ), XXXX, XXXX XXXX XXXX ( 3 TIMES ), XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX ( 2 TIMES ), XXXX XXXX XXXX XXXX ( 2 TIMES ), XXXX XXXX, XXXX XXXX XXXX XXXX, & XXXX XXXX. Please be advised that I have written and called these institution 's and they have informed me that they cant do anything for me and that I will have to contact Equifax. This proves that Equifax has not conducted an ethical and proper investigation.
Product: Credit card or prepaid card

I've sent emails and also calls trying to pay off my entire balance and close my account. There is no resolution after 2 weeks going on 3. I've made XXXX payments that showed as posted but never showed up on my statements. Now I'm being charged late fees. The browser seems to be the only option to access any information. The app doesn't let you access any statements and shows very limited information. There's no way to contact directly. This company is causing me stress and anger.