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

The following is my complaint that I had made to the XXXX XXXX XXXX. I have now applied that complaint to this form. 

" I called Capital One on XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX about my payment that was due on XX/XX/XXXX. Which was XXXX XXXX. I was having problems logging into my account, I spent those 3 days trying to get through the automated system to get someone on the phone so I can update my billing info and ask a about how my payment would be made if be due on XXXX XXXX when all banks would be closed. For 3 days I could not even get a single rep on the phone. This isn't the first time I have complained about Capital one 's automated system. Previous complaints about their automated system have gone to the Attorney General 's office, the XXXX XXXX XXXX and capital one 's corporate Resolution Team. Previous complaints have also included Capital One staff members deliberately hanging up on me when I asked them not to because I have a complaint. I have could not make my payment to Capital One because I can not log into my account, I can not get a Capital One customer service rep on the phone, and their local ATMs do not service Capital One credit card customers. After my billing due date came and went Capital One charged me late fees and service charges. Capital One has deliberately made it difficult for customers to contact Capital One customer service they have utilized every tool at their expense to take advantage of the customer in exchange for profit for Capital One. As of XX/XX/XXXX I have spent a week trying to contact Capital One and I still can not even get them on the phone. " Capital one responded with a very generic response without doing any research on XX/XX/XXXX by calling me. The rep stated that " we were open on XX/XX/XXXX '' which I doubt because I don't think any banks are open anywhere in the US on federal holidays. I told the rep to make contact with me after researching my complaint along with previous complaints to the XXXX XXXX XXXX and the Attorney General 's office so that they are more qualified. 

Then Capital One response through the XXXX XXXX XXXX stating that I had logged on to my account on the XX/XX/XXXX the XX/XX/XXXX and the XX/XX/XXXX. I stated that this was not true and that it now sounds like my account has been compromised and that may be the reason why I can not login. 

I also stated that apparently it sounds like they realize they had failed in their security precautions and wanted to turn the fault onto me. My complaint had addressed the issue that I could not log in, I called for 3 days and could not get past their automated system to speak with someone ( previous bbb complaints are on file addressing this issue ) my complaint also addressed on how to make a payment when the due date is a federal holiday. I stated in my rebuttal that the nearest branch is in Texas 1500 miles away. I also stated in my rebuttal the ATM 's do not allow credit card customers to conduct business with Capital One. 

I have attachments that will reflect Capital one 's response and my rebuttal.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I never gave Experian any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute.

You also do not have any permissible purpose to furnish my personal information to any third party.

THIS IS IDENITY THEFT!!! PER 15 USC 1681Q YOU MUST HAVE WRITTEN INSTRUSCTION TO REPORT THIS ACCOUNT LIST BELOW. IM DEMANDING YOU PROVIDE ME MY WRITTEN SIGNATURE WHERE I GAVE YOU PERMISSION TO REPORT TO MY CONSUMER REPORT TO SHARE MY PERSONAL INFORMATION. YOU RECIEVED MY INFORAMTION FROM A SECONDARY REPORTING AGENCY.

PER TITLE 18 USC 1028A THIS IS AGGRAVATED IDENITY THEFT AND I DEMAND THIS ENITRE ACCOUNT BE DELETED FROM MY CONSUMER REPORT AND FROM YOUR DATA BASE. IM EXCERCISING MY RIGHTS.

As a consumer, I am demanding a deletion of the following account : 1. I was never late on this account. 
XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. ( Under 15 USC 1666B this is a billing error. I was never late.

Please update this to paid as agreed.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

PLEASE SEND ME AN UPDATED REPORT SHOWING THIS ACCOUNT BEING DELETED FROM YOUR DATA SYSTEM IMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries on my account that i did not authorize. Contacted Equifax and spoke to two agents who refused to help me. 

XX/XX/XXXX Creditor Name - - XXXX   XX/XX/XXXX Creditor Name - - XXXX XXXX   XX/XX/XXXX Creditor Name - - XXXX XXXX XXXX XX/XX/XXXX Creditor Name - - XXXX XXXX  XXXX
Product: Debt collection

On Thursday, XX/XX/XXXX one relative and one former roommate ( in XX/XX/XXXX ) received phone calls from XXXX. I have not received any written communication from this client or debt collector. Attached is a message left on one voicemail, the other call was picked up. I received a phone call but no message. Attached is the voicemail left on my relative 's answering machine. These calls happen weekly but the most recent was XX/XX/XXXX
Product: Checking or savings account

XX/XX/2023. I woke up with my Chime banking account being hacked for the amount of {$2100.00} XXXX I woke up with a text message stating that my phone number had been changed in my chime account and they had received a verification code to the new number put on the account. Which seems like a flaw in the security measurements being done because it required no verification from me before allowing them to change this number or no double confirmation. Now they have all my important information and all the funds in my account had been transferred over to someone elses credit card through their phone number. I had then called chime immediately and they opened a dispute on the same day XX/XX/XXXX regarding this but were still trying to make it seem like this was my fault. I have XXXX cents remaining in my account for bills, food and basic living. And they said it can take up to five business days just for them to begin investigating this. Im certain their investigation will lead to them not being liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  WAS DELETED BY XXXX  XX/XX/2012 IN ERROR, FILE NO.XXXX, SEE ATTACHED.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX This complaint is for TransUnion Accounts in dispute XXXX ( what appears on my credit report ) XXXX ( I dont have the complete number account ; this is from a letter I received from XXXX XXXX XXXX Im writing regarding the account with XXXX XXXX XXXX On XXXX I purchased a property located at XXXX XXXX XXXX XXXX XXXX  However, I did not live in the property, as I rented the property. My address since XX/XX/XXXX, is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX My identity was used to opened accounts fraudulently without my authorization using the address at XXXX XXXX XXXX XXXX XXXX. Ive been a victim of identity theft, my identity was used to open accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX. I dont know the exact year in which the accounts where opened. 

When I contacted XXXX XXXX, they transfer me to the department of collection. They say they can not remove the account from my record because I made payments using a XXXX  XXXX XXXX account. However, the fraud department of XXXX XXXXXXXX XXXX carried out an investigation and has resolved to close the accounts under name as they were opened fraudulently. In the same way the fraud department of XXXX XXXX did an investigation and deleted the accounts as well. 
Ive tried several times to contact XXXX XXXX, I sent them a copy of the identity theft police report, my apartment contract, and my utility bill. Yet XXXX XXXX refuse to delete the accounts from my credit report. 

Im requesting the XXXX XXXX accounts to be removed from my credit. Im attaching the police report, my apartment contract, my ID and SSN.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I received a Bank of America message ( # XXXX ) asking if I was attempting a quickpay transfer of {$2400.00}. To this message I answered no on XX/XX/XXXX. They requested to call me on XX/XX/XXXX. They called on XX/XX/XXXX. The number that came up on my caller ID was XXXX ( XXXX, NJ ). I spoke with a person claiming to be a representative of Bank of America stating that beside the attempt to transfer the {$2400.00} there were also two more attempts to take {$400.00} and {$240.00} which I received two more BOFA fraud alert text messages. He walked me through the " recovery '' of my money using XXXX where he had me put in my name as the recipient and then use the email address XXXX. He informed me that I should see the money in my account in a few hours. This of course never occurred and I filed a fraud claim a couple hours after the phone call. Bank of America has since denied the two claims I put in claiming that since it was a scam and not fraud, my claim is not covered under Regulation E under EFTA. I had sent an email to XXXX on XX/XX/XXXX, notifying them with attached screenshots of the transactions and communication with the scammer, detailing what had occurred. Bank of America responded a few days later and they again reiterated that there was nothing they could do. Despite arguing that this third party fraudulently gained access to my account by claiming to be a Bank of America representative and tricking me into sending money and initiating an EFT, they still claimed that it is not covered under Regulation E, the main issue being that it was not fraud but a scam and therefore I had knowledge and willingly authorized the transaction. I did not send the money with the expectation I was going to be receiving any goods in return. The money was sent as I was falsely led to believe it was to protect the money in my checking and savings account.
Product: Credit reporting or other personal consumer reports

I regret to inform you that your decision not to address my identity theft issue on the grounds of an alleged error or misrepresentation of material facts is deeply concerning. What authority do you possess to make determinations regarding material facts? You neither hold the role of a judge nor serve on a jury, nor do you possess any such entitlement. According to the guidelines of the Federal Trade Commission ( FTC ), when presented with an FTC identity theft report filed through a law enforcement agency ( which is, in this case, the FTC itself ), compliance with the law is mandated. 

I am extending one final opportunity for you to process my request concerning the identity theft incident. Failure to do so will leave me with no choice but to pursue legal recourse in a courtroom setting, wherein you will be held responsible for the damage inflicted upon my reputation, credit, and the emotional turmoil I have endured due to this matter. It is highly likely that the true material facts will become evident, and you will be held accountable for your negligence. 

XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, the dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

The credit bureau refuses to delete the information as required by the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

I wish to file an appeal/legal action/suit against the companies XXXX XXXX XXXX which I believe operate under the name " XXXX XXXX XXXX XXXXXXXX '' since they are illegally withholding my money due to their negligence. 

My name is XXXX XXXX XXXX, I am XXXX, and on XX/XX/XXXX I traveled to the United States, to XXXX and XXXX to visit both cities, XXXX XXXX and tourism in general. 

I needed to rent a vehicle to move around Florida and I booked a vehicle from XXXX with XXXX, which to my surprise advertises a XXXX  phone number but they have no representation here- for this reason I am looking to hold them responsible in the United States ( this is their XXXX XXXX XXXX XXXX ) - I'm attaching the confirmed reservation, proving they know about it. 

It turns out that they receive the payment of the reservation with my credit card and they told me that with that same card I could pay the taxes and other pending charges at the XXXX ( XXXX XXXX ). 

I arrived at the XXXX and at the XXXX XXXX and they did not let me pay with my card because it did not comply with some characteristics that they mentioned, but as I mentioned, to make the initial payment they did accepted my card and they told me that it would not have any problem in the United States .

I have emails, messages and photos where I can prove that they do not want to return my money under null arguments.

Translated with XXXX ( free version )
Product: Debt collection

I have been a customer with XXXX XXXX for more than 7 years. I dont have an active contract with the above company because the service wears continued after completed my last two years contact. I called XXXX XXXX to discontinue the service and was changed an extra charge of {$80.00} which I paid. XXXX XXXX told me to send their equipments after they send me the boxes. I have received the boxes about a week later then paid {$10.00} toward the final bill. I called to get the final bill because the app service was blocked to my username and told it will be mailed. Ive told customer service that I drive a truck and go out of town for weeks sometimes. On the the XXXX of XXXX, I have received a notification from my credit monitor that a negative credit report by Diversfied Consulatants, INC. hits my credit for nonpayment. I found that was a collection agency for XXXX who never ever contacted me by mail nor phone. I called XXXX and spoke to customer service who apologized then made a full payment of {$270.00} on XX/XX/19. On XX/XX/19 Ive received a notice from Diversified Consutants, INC. to referred for collection. The notice was dated on the XXXX of XXXX and my payment was paid on the XXXX of XX/XX/XXXX5 dates before receiving their notice. The company had my last name different than my name.
Product: Checking or savings account

I wrote 2 checks that were stolen from a mailbox and cashed by the person who stole them. 

On XX/XX/2022, I wrote one check for {$1900.00} from my XXXX Checking account to mail to the mortgage company and I wrote one check for {$1800.00} from my XXXX  XXXX XXXX checking account to pay the building management company. These are monthly payments that I mail to each company. 

These checks ended up being stolen directly from the mailbox. The checks were then cashed by the thief at a Citibank branch. Apparently, this has been happening in the neighborhood, according to the Police. Since, the checks where cashed, I took several months to determine that the checks never reached their destination. XXXX and XXXX informed me that the checks were cashed at Citibank in XXXX XXXX XXXXXXXX. I then opened claims with both XXXX and XXXX. It was found out that not only were the checks cashed by someone other than who they were written to, the checks where cashed without endorsements. I have no idea how this is possible. 

Over the next several months, both banks informed me that they were getting nowhere with their investigations and did not here back from Citibank. Citibank indicated that they were investigating. During this time, I filed a police report. It's been 6 months, and still no resolution has been reached. It seems to me the banks want to forget this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX I am writing to dispute a hard inquiry on my credit report that was not authorized by me. I recently checked my credit report and noticed that there was a hard inquiry on [ insert date ] from [ insert company name ] that I did not authorize. 

After investigating the matter, I discovered that this inquiry was the result of fraudulent activity. Someone must have gained access to my personal information and used it to apply for credit without my knowledge or consent. 

As a victim of identity theft and fraud, I request that this unauthorized hard inquiry be removed from my credit report immediately. I did not initiate this inquiry, nor did I give permission for anyone to access my credit information. This inquiry has negatively impacted my credit score and financial reputation, and it is unfair that I should suffer the consequences of someone else 's illegal actions. 

I have already taken steps to protect my personal information and prevent further fraudulent activity, including placing a fraud alert on my credit report and monitoring my accounts closely. I hope that you will take prompt action to investigate this matter and remove the unauthorized hard inquiry from my credit report. 

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 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 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: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 we applied for, and was granted a COVID mortgage forbearance for our property by XXXX XXXX which went into effect XX/XX/2020 through XX/XX/2020. In XX/XX/2020 our mortgage servicing was assumed by XXXX XXXX XXXX, XXXX. In late XX/XX/2020 I recieve a " Late Morgage '' notice for our XX/XX/2020 payment and immediately reached out to XXXX to notify them we were on a forbearance and uploaded our origional documents to their portal. They claimed to have " no record '' of our agreement with XXXX. I was immediately placed on a new forbearance plan with XXXX that was to run from XXXX through XX/XX/2020. I continued to contact XXXX numerous times as the " XXXX '' missed payment ( which was protected under a forbearance plan by the previous servicer ) was going to be an issue in time. Sure enough in XX/XX/2020 XXXX reported missed payments to XXXX, XXXX and Experian credit monitoring. My score dropped from XXXX to XXXX. I have since reached out to XXXX loss prevention numerous times, only to be told " we are working on it '' in one call, to " we have no record of your previous forbearance '' others. This is 100 % blatant abuse of the CARES act by our mortgage servicer and there seems to be no recourse for those of us who applied for, and were granted, relief during the COVID pandemic. Please help.
Product: Credit reporting or other personal consumer reports

This XXXX school loan keeps getting passed through too many servicing companies. Now XXXX has my school loans from XXXX and they refuse to update my experian account. It was XXXX approved paid in full on XX/XX/year>. 
Im tired of calling them and experian. Neither one of these entities are updating over XXXX of school loans off my credit report. Its affecting my debt ratio and they both are responsible for my low score and getting denials for new credit. This is absolutely indicative to my ongoing hardship. 
I have sent the official letter to experian. 
I dont understand the negligence. I will attach it again on this website.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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, credit repair services, or other personal consumer reports

I submitted several dispute alone with police report proving my identity has been compromised. Equifax refuse to remove the compromised information. 
I am attaching the police report and i would like the Bankruptcy that they can not verify XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX And XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently locked my credit report with the assistance of my fiance. She is helping me. I am a XXXX retired military vet. In 1999, I got scrap metal in my eyes during a training mission. Since then, I have been losing my eyesight slowly each year. I am now legally XXXX. I have a walking cane and have no Drivers License in any state as I can not see XXXX foot in front of me currently. I have 100 % XXXX with the XXXX due to this XXXX. I am not sure who is attempting to apply for cars or automobile loans in my name, but it is not me. I have not provided anyone with permission to apply for anything in my name that pertains to a car since I can XXXX XXXX XXXX and I XXXX  everywhere I go, unless someone drives me. See attached my state ID, XXXX and a screenshot of confirmation emails for XXXX. 

Hard inquiries to be removed : XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX XXXX - XXXX date XX/XX/XXXX I also have not been known by these names. My name is XXXX XXXX XXXX, XXXX. The following names are not who I identify with. Please remove the following names from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX