23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Complaint is for Capital One Bank, I have my personal & Business Accounts with Capital One. They are charging me fees that I should not be charged. My First issue my debit card is being charged by playstation games and apple itunes they are charging me the fees per transaction. I have not allowed anyone to charge my card with these companies. I have disputed them in the bank they still refuse and decline my dispute. I have called the company that has been charging and capital one on conference call the company has told capital one that they do n't have my information and they do n't know how my card has been charged and the correct way would be to dispute the transaction and they company will reimburse. Capital one has still declined and denied my dispute. I have lost a lot of money in the year with all these charges. I have requested to speak to District Manger a lady at the branch names XXXX XXXX has refused to get escalated to the District Manager XXXX XXXX indicating he has no access to the banking information. I have sen many letter and requests to get a hold of someone to resolve this matter, but no success. 

My Second issue is that in the Business account they are charging fees and tI have set my Saving Account as an overdraft protection to the account. I ask them why are you charging me they are giving me explanations reasons that are incorrect even though they see I am correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, the reason why I am starting a complaint today because I am tired of continuing to try to solve this problem on my own and I do not get an answer that supports the fact that this account is in my credit report.I do not understand how this account across the three Credit Bureau is different. 
Credit Bureaus required to obtains verification from the same Data Furnisher, in this case the U.S. Bankruptcy Court in XXXX, Nebraska. 
Having said that, how between XXXX y Experian this information are reported different, and the funniest thing is in XXXX  is not a Bankruptcy reported. 
I'm sending you proof from the 2 companies ( XXXX XXXX and XXXX XXXX ) that i use to monitor my credit. 
Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXXXXXX account number XXXX has violated my rights 15 US C1681 section 602 states I have the right to privacy.

15 USC 1681 section 60 for a section 2 ; is it also states of consumer report agency can not furnish an account without my written instructions.

15 US C1666B : A creditor may not treat a payment on an account under an open and consumer credit plan as late for any purpose.
Product: Debt collection

I had a severe case of Identity Theft which is now in the hands of Congressman XXXX XXXX of MD and Senator XXXX XXXX XXXX. This began in XXXX. I was living with my boyfriend and I am convinced that he stole my cards from XXXX to XXXX and Capital One Bank. In XX/XX/2021 after an assault and battery that occurred on me, when I was hospitalized with severe injuries to my right shoulder neck and back. 
Things progressively got worse because when I was not home, they went through my things and stole a bunch of my property, including a laptop which they were able to get online and get onto my capital one account my XXXX account, my XXXX, everything I had was gone in one day. 
The names of the perpetrators are : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I was also forced out and was homeless after that and my company was still struggling with COVID REGULATIONS. I don't think I worked for XXXX years. I lost everything it's in the hands of Congress because I'm trying to change my Social Security number. It's that bad. And these credit companies, one by one are suing me. Having been released without prejudice and due to MD CODE 305. I was relieved from the fraud case by a judge in civil court. And now I expect to have to do this again
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX since XX/XX/2017. Each time it comes backs as verified. I have asked them what method they used to verify that the accounts were in deed mine. They have not submitted to me the information i requested in accordance to the FCRA they are required to give me that information. What they did do was remove my accounts that were in good standing. I had to call the companies to get them to add them back to my credit report. They also have added a personal statement that I did not authorize. It is causing me to to have issues with creditors. I asked them to remove it. But they have not. Also asked the. To remove the hard inquiries that I didnt authorize. And that is not done. 

Also I sent In the verification that I have settled my account with XXXX XXXX. And the collections company called XXXX XXXX is still showing.
Product: Debt collection

Global credit is reporting on each of my credit reports that I owe XXXX XXXX Hospital {$940.00}. I have contacted the hospital 's accounts department @ ( XXXX ) XXXX and have confirmed that there is no past due account of mine that exists in their records.
Product: Credit reporting or other personal consumer reports

I NEVER gave any consumer reporting agency the permission to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. I XXXX XXXX XXXX Never Signed, Provided Documentation or Have any first hand Knowledge About ANY account Authorization That took place with ANY ACCOUNTS LISTED IN THIS COMPLAINT EVER! WITH THE CREDITORS BELOW or! Any Documents Those companies RECEIVED WAS FRAUD and I stated to the creditors also. I'm a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. 

As a consumer ; ( 4 ) a statement by the consumer that the " is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. 
Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer : identifies as information that resulted from an alleged identity theft, not later than XXXX business days after
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter of inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress that you may have caused me. My information was also impacted by the XXXX data breachand may have got in the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report.

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report.

Accounts 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Bank account or service

My bank charged my account an overdraft fee, which I believe I did. But they are saying on the same day, I incurred another overdraft fee on another purchase. But I did not. I was constantly checking my account that day as I was XXXX shopping online, and it kept showing what purchases had cleared my account. One showed cleared on the XXXX, but was not processed through them till the XXXX, so in fact, they held the process, that had already showed cleared my bank, and posted it at the moment my bank was overdrafted-which of course caused another overdraft fee. I immediately deposited enough to cover the fees my bank charged me. So yesterday my account showed positive XXXX dollars, and this morning it shows they processed another item to show the process date-again at the time I was overdrafted. It is like they chose the exact time, I was overdraft to process XXXX items, when I saw those items had cleared days before, now it shows those same items clearing on the exact date I overdrafted by XXXX dollars. So that XXXX dollars has now costs me XXXX overdraft fees of XXXX {$110.00}, for one overdraft. My complaint is, I did not make further purchases starting on the XXXX, until I saw they came through my acccount. So it comes through my account, but then they formally process it at the time I was overdrafted. I can not believe they can do this. yesterday I looked at my account and saw a XXXX purchase was posted on the XXXX. Now that same purchase has a post date of the XXXX. I put XXXX dollars in my account on the XXXX to cover my overdraft. They posted that same purchase again posted on the XXXX, the day I overdrafted, which gave them the right to charge me a fee again. They are clearing things one day, then moving it and posting it another day to suit them. I check my account everyday. Yesterday I was positive, this morning I have another overdraft fee????? Because they again moved another post date.of purchases. I asked them to remove the last fee, as it absolutely was not overdrafted, they told me they could only remove one fee a year. What??? The fee they charged last time, was also their fault. Can they keep clearing and then re-posting purchases to cause overdraft fees, and then say, well sorry we have already removed one this year. I am a single mom, and every penny is important to me, and now they have made an XXXX dollar mistake, into XXXX cost to me.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Currently have Fruad accounts and inquiries appearing on my credit report. 

1. XXXX XXXX XXXX {$1700.00} 2. XXXX XXXX XXXX {$2100.00} 3. XXXX XXXX XXXX {$1200.00} 4. XXXX XXXX XXXX {$820.00} Inquiries 1. XXXX XXXX XXXX XXXX XXXX 3 XXXX XXXX XXXX
Product: Debt collection

Hello Consumer Financial Protection Bureau The credit bureaus, Experian and XXXX, have been updating the last date of activity on the account and this is a violation and fraud. Can you please investigate this matter? 

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

I have disputed XXXX XXXX XXXX  account they have the police report and identity theft report and has not removed. This debt from my credit report they even sent me an identity theft report I filled it out and faxed back to them
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  account not mines, my identity was stolen and used to obtain this account without my consent. I have filed a police report. I am emotionally hurt
Product: Credit reporting or other personal consumer reports

I am reporting identity theft, there are things on my report that is not mine or accounts i have not opened.
Product: Credit reporting or other personal consumer reports

XXXX XXXX refuses to provide me with a 1099c for a account they are reporting as charged of on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Complaint # XXXX Equifax simply closed the complaint without action - stating they will send the information to the furnisher of the information and follow up The underlying issue is that no validation of the debt is provided and Equifax is in violation of FDCPA as furnisher has not provide any information since request in XX/XX/2020 XXXX two months ) Error was detected on my credit report and filed an investigation into the matter utilizing Equifaxs online dispute portal Equifax 's Report # XXXX Written dispute sent directly with the company ( XXXX  ) that filed the incorrect information and company has failed to response as of the date of this compliant ( Sent 45 Days Ago ). 
Despite no response from the company, Equifax verified the information Equifax has a duty to validate information, not pass the burden to the consumer. 
This consumer financial protection bureau recently levied a {$500000.00} penalty for this company for violations of the FDCPA Similar to the previous civil ligation, I have received zero correspondents from XXXX. Company directly submitted information to credit bureaus without notification or validation and Equifax continues to furnish and sell incorrect information which has caused negative impacts
Product: Credit reporting or other personal consumer reports

This is not my account I don't recognize this account and would like for it to be removed from my credit report. I contacted the company they said they would remove the account but haven't. It is severely impacting my ability to function and obtain credit to live. This account needs to be removed immediately
Product: Checking or savings account

I was trying to acquire a laptop, printer and phone for a job but I was scammed by the people selling them. I sent them money and they never sent the devices and TD Bank refuses to refund my money. I sent a total of XXXX payments ; XX/XX/XXXX for {$740.00}, XXXX on XX/XX/XXXX ( or XXXX ) for {$830.00}, and another one on XX/XX/XXXX for {$830.00}. I filed a police report in my town and went into the TD store to try to receive help. I filed a reg-E claim with my bank but it was denied because they said " I willingly sent the XXXX payments XXXX ''
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the necessary documentation to the Federal Trade Commission ( FTC ) regarding these fraudulent accounts. Following this submission, XXXX and XXXX promptly removed these accounts from their records.I have also contacted the companies associated with these accounts directly, and they have confirmed the removal of the accounts from their records. Thus, I am perplexed as to why these accounts continue to be reported by your bureau. It is crucial to recognize that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only breaches this duty but also subjects me to further harm. 


XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit card

I received a text message on XXXX XXXXXX/XX/XXXX that there were attempted charges on my card. I responded to the text that I did not make those charges. I then called the number provided to confirm that I did not make XXXX fraudulent charges on my card from the XXXX XXXX location. 

They confirmed that I would not have to worry as these charges were flagged. 

Today, on XX/XX/XXXX, I received an email that my XXXX 's bill was available. Upon checking, I saw that those XXXX fraudulent charges, as well as another fraudulent charge from XXXX was on my bill. 

Upon calling them again to confirm why these were still on the account, they said that they would issue me a new card. There was no resolution about how to dispute the charges, XXXX XXXX as lost/stolen so that I could dispute the charge, or anything to help in this manner. 

The total balance is at {$560.00} and I did not make any of those charges. The card hasn't been used since XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding the Equifax security breach : After following all instructions, I found that my wife and I were both affected by the security breach from 6 weeks ago. I proceeded to enroll in the credit monitoring service, at which time I encountered the following message : " Thank You Your enrollment date for TrustedID Premier is : XX/XX/2017 Please be sure to mark your calendar as you will not receive additional reminders. On or after your enrollment date, please return to faq.trustedidpremier.com and click the link to continue through the enrollment process. 

For more information visit the FAQ page. '' I have been provided credit monitoring service a couple of times from various breaches over the years but the enrollment was always instant. 

It strikes me as very disingenuous to provide free credit monitoring for a year while then placing the responsibility on me to not only remember an enrollment date but also a non obvious URL. Equifax is trying to " Do what is right for the consumer '' while at the same time ensuring they have to provide a rather expensive service to as few consumers as possible. 

An easy fix would be to gather an email address and email their effected " Customers '' when they are able to enroll. I put " Customers '' in quotes simply because I have never directly elected to do business with this company and if I had my druthers, I would not do business with them in the future.
Product: Credit card or prepaid card

On XX/XX/2018 someone obtained my identity. 
They opened a bank account with USAA FEDERAL CHECKING with {$10.00} and apllied for and was approved a credit card with a {$25000.00} limit. 
This person has already pulled {$4900.00} in cash off the card. 
USAA is disputing my claim telling me it is my account. 
I have never been in the military and you need a miltary ID to open an account with USAA.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, XXXX  account number XXXX, has violated my rights.

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

NICHOLAS FINANCE XXXX Was opened on XX/XX/2015 with total balance of {$8600.00} .. this account was opened and I dont know please check
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : Experian : XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX : {$50000.00} XXXX : XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} DENEFITSLL XXXX Balance : {$10000.00} : XXXX XXXX XXXX Balance : {$50000.00} XXXX : XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$50000.00}
Product: Debt collection

Hunter Warfield Inc. has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized hard inquiry on my credit report Avantus LLC XX/XX/XXXX XXXX/ XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX, XXXX, on behalf of Capital One Bank ( USA ). 
Since XX/XX/XXXX, the above collection company have constantly called me, with an attempt to collect a debt in the amount of {$4000.00}, ( after I asked them not to call anymore and that the debt does n't belong to me it belongs to the corporation inwhich I once worked ), they have mailed me numerous letters, I received the last letter XX/XX/XXXX ( after I asked them not to contact me anymore ) and they have damaged my credit report with all three credit agencies, because of this derogatory mark on my credit report, I have had a very difficult time trying to obtain US Veteran housing. 

I have repeatedly told this collection company that " this debt is not mine and to please remove this negative remark from my credit report, ( inwhich I have never given access permission ). I have repeatedly told and written letters to this collection agency stating that this debt belongs to XXXX XXXX XXXX XXXX a company credit card inwhich was I used under the corporation 's name and was not and is not responsible for debt or repayment. The corporation since then has dissolved. Please ressolve this matter. 

Thank you