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

I am a victim of identity theft/fraud. I originally notified XXXX  on XX/XX/2019 of a Capital One account that was opened fraudulently in my name. I provided all required documentation including my Proof of Identity and social security card, FTC report and the 605B Notice to Furnishers so that the account can be BLOCKED per my rights given when notifying a furnisher that I am a victim of identity theft. Since XX/XX/XXXX, XXXX  has re-inserted this fraudulent account TWICE. The first time was on XXXX and the second time was on XXXX. On BOTH occasions I called into XXXX  and the reps I speak with LIE and COMPLETELY DISREGARD THE LAW. Today on the phone the XXXX  rep had the nerve to tell me that in lieu of my call she sent a notice to Capital One informing them of my dispute ( even though I have written them twice and never received a response ). 
I told her that is NOT a solution and asked her to confirm she will be BLOCKING the account, and at that time she said they could not remove the account until they hear back from Capital One. 
She could not confirm that Capital One provided the appropriate documentation to support their request to rescind/re-report the fraudulent account. This documentation is all what is clearly stated to be required under FCRA 605B. 
Specifically, the CRA can only reinsert information blocked as a result of an identity theft affidavit if one or more of the conditions set forth under FCRA 605B ( c ) ( 1 ) are present.

Notice of the rescission of a block is then required to be provided to the consumer in the same manner as is required when information that was previously deleted from a consumer 's credit report after a prior dispute is reinserted, using the notice requirement set forth under FCRA 611 ( a ) ( 5 ) ( B ).
When I asked the experian rep to confirm that she could in fact see that I submitted all of MY required documentation back in XXXX of XXXX   and that they have already blocked and reinserted this account once before and here we are AGAIN. She CONFIRMED that she saw the FTC report and when I followed up asking her to confirm WHAT EXACTLY WERE THEY PROVIDED BY CAPITAL ONE THAT WOULD LEAD THEM INTO THEIR DECISION TO RESCIND THE BLOCKED ACCOUNT, she just stayed quiet and said NOTHING!! She then transferred me to her boss XXXX and I got nothing but his voicemail. I am sick and tired of Experian breaking the law. If they do not fix this mess and BLOCK this account ONCE AND FOR ALL I WILL FILE SUIT AGAINST THEM and seek all damages available to me by law.
Product: Credit reporting or other personal consumer reports

I received notice about an alleged debt reporting as a collection on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I am writing this letter to dispute this alleged obligation, pursuant to 15 USC 1692g ( b ). 
I am also refusing to pay this alleged obligation, pursuant to 15 USC 1692c ( c ) and all collection efforts shall cease. 
STOP CONTACTING ME ABOUT THIS OR ANY OTHER RELATED MATTER YOU HAVE. 
CEASE AND DESIST ASAP AND DELETE THIS ACCOUNT FROM MY CREDIT REPORTS. I only give your agency permission to communicate with me ( via U.S. Mail ) by informing me with proper validation information or informing me that you have notified the credit reporting agencies that the information will be DELETED from my consumer reports. 
I am also specifically requesting the ENTIRE PURCHASE AGREEMENT, not just the BILL OF SALE associated with this alleged obligation. The Bill of Sale is only PART of the ENTIRE PURCHASE AGREEMENT and I am clearly requesting the ENTIRE PURCHASE AGREEMENT. 
Requesting this is my right because if this escalates to court, the burden of PROOF is on you to prove to me that I owe this ALLEGED obligation. 
I do NOT believe that you own the debt you are attempting to collect, so you need to PROVE that you do and that requires presenting me with the ENTIRE PURCHASE AGREEMENT. 
If you cant do that in a timely manner, you must notify the consumer reporting agencies where this information is being reported to be DELETED from reporting!
Product: Credit reporting or other personal consumer reports

In accordance with 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 & number XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, and XXXXXXXX XXXX XXXX XXXXXXXX. 

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

15 U.S.C. 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

I was notified that a student loan account was opened with my identity on my credit in XX/XX/year>! Ive since contacted the loan servicer, the college and Ive also filed police reports, and identity theft reports. Im now facing homelessness, and financial hardships do to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was previously corrected inaccurate late payment and derogatory comments such as 120 late for both old closed mortgage accounts XXXX XXXX XXXX and XXXX and it was put back on.
Product: Credit reporting or other personal consumer reports

I was charged a membership fee of {$45.00} that I was told last year that I would no longer be charged for. I was then charged two late payment fees of {$39.00} each month for two months. A total of {$110.00} was now overdue and reported to the credit bureaus as delinquent. The problem summary. I was NEVER informed via ebill that these amounts were charged. I did not receive hard copies of these amounts due. I was never telephoned to advise me that I owed this money. I was told that no membership fee would be charged to my account. I was advised of a credit file change by XXXX so I went to my XXXX account to verify this information. I then called XXXX at which time they initiated a credit to my account for {$110.00} and told me they did not know why I did not get my XXXX. My XXXX  was initiated several years ago and upon checking, my email, telephone number, and address were correct on their website. Because of this, I lost over XXXX points on my FICO scores. I have sent this information to XXXX starting a dispute on XX/XX/XXXX  the date I received the initial information. I have remained in contact with XXXX as they review my issues with XXXX and have retained a lawyer to help me reverse these erroneous issues and get my FICO score back! Just the other day, I received an email from XXXX asking me to verify my profile ( email and address ) change which NEVER took place!
Product: Checking or savings account

On XX/XX/XXXX I deposited # XXXX into the drive up atm at XXXX XXXX. I received an error code that I needed to call the bank. I did and was transferred by an agent to speak to the claims dept. Was on hold for one hour then the phone hung up. I called the next day but was closed due to holiday. I called XX/XX/XXXX and put in a report. Was told I will receive a temporary credit til the investigation starts. Agent said I would see the funds in 2 hours. No fund where there. Called back today XX/XX/XXXX and agent said it is being further investigated and can take up to 45days before I get my funds
Product: Bank account or service

PayPal Credit is a service which I never wanted to be enrolled in. I was automatically placed into an account where some of my XXXX purchases were not simply placed on my XXXX credit card, but rather given to a new creditor called the XXXX in XXXX. PayPal credit has been billing me for far more than my XXXX purchases forced into this credit account. I have reluctantly paid off all that they have insisted that I owe. I hope your agency is able to recover my losses which are approximately XXXX dollars.
Product: Debt collection

I have communicated with Home Depot Credit Services and their security team on multiple occasions explaining I was a victim of identity fraud. I provided them with the police report and have cooperated by providing them with as much information as I can. These are the people and dates below : XX/XX/XXXX XXXX XXXX spoke with XXXX ; XX/XX/XXXX at XXXX XXXX. spoke with XXXX ; XX/XX/XXXX at XXXX XXXX spoke with XXXX and confirmed they had police report. XXXX at XXXX spoke with XXXX and conveyed I continue to get harassed with phone calls even after provided police report. on XXXX at XXXX XXXX. spoke with XXXX and was left on hold for 11 ; 02 minutes and then I finally hung up. On XX/XX/XXXX at XXXX XXXX  I spoke with XXXX as I received a letter stating that their investigation does not support my claim was fraudulently opened. This was the second time I received a letter stating that my case was closed. XXXX has reopened the case. I informed her I would be reported them to the Federal consumer protection organization. 

The police have informed me that this case is not closed and is still considered fraud based on their investigations and information I provided.
Product: Credit card

I opened an Apple Card from Goldman Sachs on XX/XX/XXXX to take advantage of a promotion for 12 months interest-free financing on a new XXXX XXXX laptop. 

The account number and card number are nowhere to be found in any of the email communications I have received from them after opening this card. They also are not accessible at all within my account at XXXX. 

I waited for my first account statement to post on XX/XX/XXXX, and the account number is not there either. 

Through multiple phone calls to support today, XX/XX/XXXX, I have been told that the only way to access the account number and card number is through the XXXX XXXX on an XXXX or XXXX. I do not own either of these devices, I use a XXXX XXXX. The XXXX XXXX is not accessible via the XXXX XXXX which I purchased. 

The second person I spoke to did agree to give me my account number over the phone, however could not give me my card number -- instead telling me that for security reasons it is " only accessible to you via your XXXX XXXX. '' Since I do not have access to XXXX XXXX, I literally can not access my card number. 

This seems blatantly illegal to refuse me access to my basic account information because I did not purchase their preferred product.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX  XXXX Balance : {$2800.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX  XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting fraudulent inquiries on my consumer report, the following are accounts that I have not authorized and the dates they started reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9000.00} ; XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX XXXX : {$21000.00} ; XXXX XXXXXXXX Balance : {$610.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$610.00} ; XXXX XXXX XXXXXXXX Balance : {$150.00} ; XXXX XXXX  XXXX Balance : {$330.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$2500.00} ; XXXX XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$610.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX Did not consent to unauthorized inquiry- I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX  - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX - Did not consent to unauthorized inquiry- I did not authorize these inquiries please remove this from my credit report
Product: Credit reporting or other personal consumer reports

I have 13 hard inquiries that are fraudulent. Ive reported this already and kindly ask you to delete all 13 hard inquiries from my Experian file. Here are the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly please ask you guys to remove/ delete these asap thanks again!
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX, and I am filing a complaint against XXXX, XXXX, and Equifax for their failure to remove incorrect information from my credit reports despite my repeated requests. I have sent a total of 8 letters to these credit bureaus requesting the removal of inaccurate information, but they have not taken any action to correct the errors as per my requests.

Despite providing clear documentation and explanations in my letters, XXXX, XXXX, and Equifax have neglected their responsibilities under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of the information on my credit reports. This failure has had a detrimental impact on my creditworthiness and financial standing. 

I demand that XXXX, XXXX, and Equifax promptly investigate the inaccuracies on my credit reports and take the necessary steps to correct the information in accordance with the FCRA. Failure to do so will result in further legal action to protect my rights as a consumer.

I urge the relevant authorities to intervene and ensure that these credit bureaus comply with the law and rectify the errors on my credit reports without any further delay. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and fraudulent accounts have been reported on my credit file. Under 15 U.S. Code 1681c-2, I am entitled to have this inaccurate information blocked and removed from my credit report. I have already provided the credit reporting agencies with the following : A copy of my identity theft police report XXXXXXXX XXXX 
An Identity Theft Report filed with the FTC. 
A statement declaring that these accounts are not mine and are the result of identity theft. 
Despite submitting this information, the credit reporting agency has failed to block or remove the fraudulent accounts as required by law. I am requesting the CFPBs assistance to ensure compliance with federal law and that this inaccurate information is removed from my credit report promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and there is some items that does not belong on my report.
Product: Checking or savings account

I have talked to a service rep about XXXX  and was supposed to be enrolled! So I had to try again. I am on a fixed income and cant afford these charges
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

I was contacted by XXXX who advised that he was a processor hired to deliver a court summons. He was hired by XXXX and their number is XXXX. I contacted this company to request that they not contact me at work and they were not cooperative. I was also advised by this company that I was being charged with a felony for intent to defraud a financial institution. I once again asked that they not contact me at work and contact me on my cell. The representative ( man ) that I spoke with asked me if I was " XXXX ''. He would not provide me with any additional contact information for their company. I disconnected the line due to the verbal abuse. My summons number according to this company is XXXX.
Product: Credit card

I am in receipt of your debit to my account for a dispute of {$25.00} dollars from XXXX XXXX XXXX. This transaction had already been resolved in my favor as of XX/XX/2024. Now overjealous reps would not reopen the dispute even with facts supporting my dispute. I will file a complaint with the Financial Protection Bureau to investigate credit card account management practices. Including how the credit card resolved billing errors and how it refunds cardholders for disputes initiated. I have included some supporting documentation showing that I am exempt from paying parking fees since I am a XXXX Veteran with proof documentation from myself and from the XXXX XXXX XXXX. Additionally, I will report that even though I am a XXXX Veteran you are refusing to honor my claim and violating my rights under the American with XXXX Act. 
As stated, before as well there was a XXXX XXXX at the airport during this day of XX/XX/2024 and the airport was XXXX  and personnel had closed some floors due to the XXXX. I was stuck at the airport as well and I could not get my car out until next day. Customers were waived the fee due to this natural disaster as well for that day and this was not taken into consideration by the people responding to my complaint. Additionally, I would like copies of the response from the merchant emailed to me or sent via regular mail. I would like to know as well how you arrived at your conclusion to deny my claim. Also, on XX/XX/2024 I called disputes department seeking an explanation of why my claim had been denied because I noticed a debit of {$25.00} on my account and spoke to a supervisor XXXX XXXX at XXXX from call center in Ohio and he was disrespectful and rude on the phone. I requested to speak to a supervisor above him and he told me that he would request a call back 24-72 hours and the call back was never received as expected from Discover. He refused to let me speak to a supervisor. Terrible customer service. Maybe you should take some tips from XXXX XXXX credit card where the customer comes first and not the rep handling the call. They provide excellent customer service and my credit card of choice. 
I have provided the reasons and evidence to support my claim and I believe I am not responsible for this charge and I am due a refund of {$25.00}. 
Thank you in advance for your understanding and I you have any questions please let me know.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX : Account numbers still varies even after 1st investigation between the bureaus Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the followng circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term consumer report include ( A ) Subject to section 16815-3 of this title, any. 
( ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report and or this account as it has not been properly investigated and this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXXDefamation of Character ( per se ) XXXX.Negligent Enablement of Identity Fraud XXXXFair Debt Collections Practices Act 15 USC 1692 G violations XXXXFair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Checking or savings account

Im filing a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction was authorized, I was charged fees due to lagged posting of charges and credit. This is aligns with the recent CFPB findings against NFCU for similar practices. This is unfair and I request an investigation into my account transactions.