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

called TXXXX/Equifax after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there are Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus that believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX. I do not have a contract with XXXX XXXX XXXX trying to collect money from me for something I do not owe. I did not sign a contract with XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX did not provide me with the original contract as I requested. 
Account Number- XXXX Balance- {$XXXX} Date opened- XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX  Inquired on XXXX XXXX, XXXX
Product: Credit card

From XXXX XXXX, 2016 thru XXXX XXXX, there were XXXX fraudulent charges/transactions using my Capitol One Visa Business account in the amount of {$19000.00}. All charges originated from XXXX XXXX XXXX in CA. No one from the Capital One Security or Fraud unit thought anything unusual about these XXXX transactions (!!!!! ), although the balance on my account was never higher than {$500.00}, and was paid in full monthly! I immediately called Capital One on XXXX XXXX, 2016 after receiving a phone call from XXXX asking if I had purchased a gift card online for {$100.00}. THEY ( XXXX ) recommended I contact the Capital One people to report fraud. How is it a potential charge of {$100.00} activated an alert from XXXX to contact me, but XXXX charges to XXXX company in the amount of over {$19000.00} did not alert Capital One fraud or Security! These people need to be held responsible for their lack of attention to abnormal activity on customer accounts! All I received is " wow, we 're really sorry. How did that happen? You of course are not responsible for these charges, but Wow! You must have fallen thru the cracks ''. This attitude does not leave me with any sense of security from Capital One. I have been issued a new card.
Product: Money transfer, virtual currency, or money service

XXXX dollars was transferred to wrong person in the year of 2022. I was unable to speak with a live person but I filed a dispute via chat.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out 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 XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Worst reporting XXXX. Other XXXX ( Experian and XXXX ) has no collection accounts. But XXXX is still reporting. I have tried my best. Reporting late payments on closed account which are upto date.
Product: Credit card or prepaid card

I was asked to send a bunch of documents to Capital One for fraud protection. This went on for almost two months with them asking for more and more documents each time I sent some. I painstakingly sent all they asked and they closed my account without an explanation!
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union dropped my score 39 points when I called them and asked what changed to cause it they said nothing has changed except one hard inquiry which could not cause a 39 point drop! I have been working on my credit for two years and was making slow progress until two days ago when my score dropped 39 points for no reason!! I called transunion and XXXX XXXX  neither could explain this point drop! 

XXXX XXXX
Product: Credit card or prepaid card

On XXXX XXXX my bill did not go through TOYOTA MOTOR CREDIT CORP - account with 1 missed payment. I am kindly requesting TOYOTA MOTOR CREDIT CORP to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporter act XXXX XXXX Loan amount XXXX XXXX # XXXX Date : XX/XX/XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX has violated my rights15 USC1681 section 602 8 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 your account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of multiple credit card fraud via a HomeDepot/Citibank card. This fraud was timely reported to Citibank on multiples ocasions, to which they responded by just issuing a new credit card. 

Recently I noticed a 100+ point drop in my Credit Score and is due to a negative remark reported to XXXX by Citibank on one of these fraud accounts ( THE HOME DEPOT/CBNA # XXXX ) I contacted Citi and they told me they can't do anything since they sold this account to GC Services collection company. 

I need Citibank to contact XXXX  and remove this remark since it was a fraudulent purchase. 

I need XXXX  XXXX to stop attempting to collect via phone a fraudulent account. They need to work based on accurate data. 

I need Citibank to send me a check with the {$120.00} credit I was debited from my account during the fraud.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX  - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX Incorrect Name - XXXX XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX EMPLOYER - XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Prepaid card

I activated a {$3000.00} American Express XXXX and began to try to make purchases. It allowed two purchases and every other purchases declined, even from same merchant that had gone through. Spoke to company that I was purchasing from and they tried over the phone to place order and it got declined by American Express. They indicated it wasn't from their end and to call bank. I contacted American Express XXXX and spoke to several representatives who just read me a script about security and merchants and did not resolve my issue or explain why transactions were getting declined. And, no resolution on how to access my remaining {$2400.00} on the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered today that there were multiple fraudulent hard inquiries on my credit reports. This is the second time this has happened, previously near the end of last year, someone successfully applied for a credit card in my name from XXXX  XXXX XXXX, and they also attempted to submit a forward address request with the USPS. I contacted both services and submitted complaint reports, XXXX  XXXX XXXX canceled the card ; however, USPS was not able to provide any useful information regarding the change of address request and was only able to cancel the request. So I do not know who where they were trying to forward the stolen card.

TODAY, I discovered 2 hard inquiries on my XXXX report from American Express and XXXX XXXX XXXX, made on XX/XX/XXXX and XX/XX/XXXX respectively. These are also fraudulent, I attempted contact with the banks but they are closed on the weekend. I made contact with XXXX to verify the information and remove old information, I also placed a freeze on my credit with them. They said they can not dispute the hard inquiries from their side and I need to submit a report with the FTC, but I will be unable to report to local authorities due to not knowing the jurisdiction where they fraud attempt took place. 

On my XXXX report, I discovered another fraudulent hard inquiry from XXXX XXXX XXXX  made on XX/XX/XXXX. They were also closed over the weekend and I am unable to currently get in contact with them. I contacted XXXX, disputed the report and froze my credit with them. 

I attempted to access my XXXX report, but I was unable to make an account. It appears the scammer made a fake account with XXXX under my name, as they used an old email and I discovered an email in my inbox welcoming me to XXXX. I am unable to make another account and I can not change the password of this fraud account because I do not know the answers to the fake security questions and having email access is not enough. My email is already on double verification, so no outside access has entered my email. I attempted to contact XXXX, but they have nobody answering any lines over the weekend. 

I need a case number reference this incident and I also would like to list a complaint that XXXX has zero weekend support while the other two Bureaus at least have customer service. 

My direct email is XXXX and my phone number is XXXX. The scammers are using an old address out of XXXX, when I was stationed in the XXXX, and any help handling this situation would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.XXXX XXXX CREDIT BUREAU DISPUTES Account Number XXXX XXXX, XXXX XXXX CREDIT BUREAU DISPUTES Account Number XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. I looked at my Equifax credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

This involves a request to transfer an ira cd from BB & T bank to XXXX XXXX. On XX/XX/19 I opened an ira account with XXXX and 2 days later mailed them a transfer request form. They then faxed the completed form to BB & T on XX/XX/19 who then faxed it to their ira dept.XX/XX/19. On XX/XX/XXXX I phoned the XXXX Pa. branch of BB & T who stated the the form was faxed to their ira dept. on XX/XX/XXXX. I later phoned the XXXX Pa. branch of BB & T and was informed it takes 10 days for the transfer. Today [ XX/XX/XXXX ] the cd has not yet been transfered. It is a sizeable amount of money [ over 100k ] and it appears that BB & T is deliberately stalling the transaction in order to use the money for their own benefit and profit from not paying interest from the mature date of XX/XX/XXXX. I would like this matter to be settled as quickly as possible.
Product: Debt collection

I asked them to remove this debt from my account because I don't owe anything, I believe it was in XX/XX/scrub>XXXX  2023 2023
Product: Credit card or prepaid card

Regions Bank showed up on my credit report with XXXX as a default. 
Someone used this card, which was closed many years ago, {$76000.00} was charged. Now my credit is being downgraded, and Im worried there will be a domino effect ruining my credit! 
Please help me, I am retired and have worked my entire life, for what I have. 
One credit card was downgraded from {$15000.00} limit to {$990.00} Big drophate to think what is next. 
This made me look at my credit score and report where I found this fraudulent charge.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX Amount : {$29000.00} has violated my right. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 then records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

My name is XXXX XXXX a federally protected consumer and Im making this complaint against Lockhart, Morris, Mont. for committing identity theft. I have never given Lockhart, Morris, Mont. any permission to use my any of my identifying information to commit mail fraud by contacting me about an alleged debt pursuant to 1692c ( c ). Iam demanding a Cease and Desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Lockhart, Morris, Mont. can provide me with sufficient documentary evidence, such as trilateral contract, that I have any legal obligation to pay them. If have any legal obligation to pay them. If this documentary evidence can not be produced and Lockhart, Morris, Mont. continues it collection efforts. I file for litigation for actual damages caused and Lockhart, Morris, Mont. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A. extortion, theft by deception, securities fraud, mail fraud. And also do u have the SSA - 89 Form on file from the S.S.A. with my Signature Please tell me you it, send me copy, Im demanding it. Upon the receipt of the documents herein and of this Notice, you are hereby notified Pursuant UCC 1 - 202f. Your prompt Attention and Response are Requested and Required. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Credit Reports and noticed that I had late payments on accounts that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to their best ability with Maximum Accuracy according to the Federal Law 1681e ( b ) Accuracy/ Completeness. 

I have always made on-time payments for the following accounts : XXXX XXXX, account number XXXX ; XXXX XXXX XXXX account number XXXX ; XXXX XXXX XXXX, account number XXXX XXXX XXXX XXXX, account number XXXX XXXX XXXX XXXX, partial account number XXXX XXXX XXXX XXXX  partial account number XXXX ... ; XXXX, partial account number XXXX XXXX XXXX, account number XXXX, XXXX XXXX XXXX. 

I'll attach the report from TransUnion, XXXX and XXXX as evidence of the discrepancy on all 3 credit bureau reports. Please investigate and provide proof with statements showing that these payments were late. If the request can't be complied with or provided, I request that these payments be updated as they should be, as I was always on time. Thank you for your help with this.
Product: Checking or savings account

{$490.00} was taken out of my account on XXXX I didn't notice until XXXX which I filed a claim to chime support they said that would look into and they investigation would take 45 days my claim was denied this is my 7th rebuttal chime investigation team said I would I have documentation on XXXX now they saying I would receive it by XX/XX/2023 now they saying I would receive a decision by XX/XX/XXXX I have all the emails stating they would handle this matter but miserably failed to time after time nothing getting resolved
Product: Debt or credit management

I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( XXXX  ) or Credit Bureau XXXX XXXX ) XXXX then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act XXXX. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. Finally, if I do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
Product: Credit card or prepaid card

I made a claim on XX/XX/2021 with Bank of America EDD prepaid card services. Since the original dispute had been filed, I sent in required documentation asked of me by BofA. I sent in a photocopy of my Identification card as well as a copy of the police report and police findings in the case matter. After being denied and refilling, my case has been placed in a " pending '' status for around 2 years now. Having filed over 15+ complaints and expedition requests there is still no resolve in this situation. The woman who was charged with the illegal use of my unemployment card as well as other fraud charges has been charged and found guilty, and has completed the sentence set fourth by the judge and still the funds in the case have not been received back. I really need the money back in this matter. I have lost my home, my children, and job due to XXXX  and then my EDD being stolen. I really do not want to have to have an attorney sue the company for negligence.