23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/year> it shows that Capital One Bank USA made an Hard Inquiry on My Credit Reports without XXXX, XXXX, & XXXX without my consent. I even have a Fraud Alert on all my Credit Bureaus, they still allowed them to pull it even with the notification listed stating that I had fraudulent activity and notified the Company & the Credit Bureaus that it was obtained Fraudulently without my consent and Requested that they Remove the Inquiry the same as Ive had to do regarding XXXX other Hard Inquiries, along with accounts opened w/o my consent & they were Removed, but after nearly 2 months Ive still been unable to get the Credit Bureaus to remove the Hard Inquiry or get the Consumer to remove it. I have 5 Credit Cards with this Company which is the Max Allowed & I Never applied or requested my Credit be pulled again, but like the other companies, they pulled a Hard Inquiry dropping my Credit Score & preventing me from obtaining higher credit limit increases that I was about to receive & was denied because of this Hard Inquiry Ive disputed like the previous ones & nothing I do will get it removed & I NEVER REQUESTED FOR THEM TO OBTAIN MY CREDIT REPORT LIKE THEY DID ON XXXX XXXX XXXX XXXX XXXX Please Help Me Get This Inquiry Removed From My 3 Credit Bureaus, as its preventing me from obtaining credit limit increases on accounts Ive had from 1yr - 6yrs & Ive never been late on any of my Credit Cards I requested & this Inquiry has dropped my Credit Score nearly 20 points & its destroying my Credit History having this Hard Inquiry that was OBTAINED FRAUDULENTLY & WITHOUT MY CONSENT!!! PLEASE HELP ME DO WHATEVER POSSIBLE TO GET THIS REMOVED FROM MY 3 CREDIT BUREAUS!!! Im begging for your help because even with a Fraud Alert Added, a Notation about the Fraudulent Activity thats occurred, & a request noting not to pull my credit without my consent, all 3 Credit Bureaus allowed the Hard Inquiry & Capital One Bank USA pulled this Hard Inquiry on XX/XX/year> as I stated w/o my consent & Done Fraudulently w/o ever obtaining my consent!!! AGAIN, PLEASE HELP ME GET THIS HARD INQUIRY REMOVED DUE TO IT BEING REQUESTED & OBTAINED FOR THE PURPOSE OF OBTAINING A CREDIT CARD FRAUDULENTLY WITHOUT MY CONSENT!!! Thank You So Much For Any & All The Help & Assistance You Can Offer In Getting It Remived From All 3 Of My Credit Bureaus!!! Have A Blessed Day!!!
Product: Credit card or prepaid card

Please see attached FTC Report of identity theft and Remove the account XXXX XXXX from my credit report immediately.
Product: Checking or savings account

I tried to file and identity theft with FTC, and was redirected here to file a complaint that I have had multiple accounts opened across different financial institutions without my consent. I believe my identity may have been compromised. I have already submitted a fraud alert with all three credit bureaus.
Product: Checking or savings account

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

I am filing this complaint against capital one bank because since yesterday I have not had my direct deposit in my account. When I tried calling the XXXX XXXX number for customer service, it has an automatic message stating that they are working with a third-party to try to get the issue fixed and then it automatically hangs up instead of transferring me to a representative. It is currently Friday XXXX XXXX  and I still dont have my direct deposit. I even called Payroll at my job and they said that it is capital ones issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received a letter from the Credit Bureau concerning incorrect information on my account with XXXX 's. I supplied documentation with my submission of my complaint and was told that they never received any documents with the complaint through Consumer Financial Affairs website but they were able to correct my dispute with the account of XXXX XXXX which the documents for this dispute was attached to the complaint with XXXX 's. I am submitting documents from a complaint I filed against XXXX XXXX XXXX who XXXX 's contracted which states that they no longer have this account as of XX/XX/2018, also a copy of a account statement from XXXX 's stating that this account is {$0.00} balance along with a statement where the XXXX I returned was returned to this company and they were still charging my account which led to incorrect information in my file. It's sad that you can not get anyone to do their job and actually investigate the problem and the only thing a company has to do is to submit electronically without any evidence stating ACCOUNT IS VERIFIED AND ACCURATE. The credit reporting agency do not ask for any documentation but take their word and I have submitted several complaints and uploaded documents and I am still fighting to get rid of inaccurate information.
Product: Credit reporting or other personal consumer reports

there are numerous inquiries in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX 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 inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried and tried to get Experian and my creditors by disputing through both to correctly report the accounts that were in bankruptcy. I noticed that XXXX and TransUnion have made more of an effort but XXXX has not. My spouse is having the same issues with XXXX. Our Ch XXXX discharged. Post discharge, creditors are not allowed to report us a having a balance due or late. I have attached some print screens of my credit report with XXXX report as of XXXX. They are telling me that I have 6 negative and delinquent accounts with bad payment history affecting my credit score. How can this be when 100 % of my debts were included in my Ch XXXX bankruptcy ( except the older, good credit ones that were paid off prior to our filing on XX/XX/XXXX ).? I have attached a discharge letter, claims history, and other evidence. If you will note, XXXX XXXX XXXX XXXX is showing a failure to pay in XXXX ( see the red FP ). They are not allowed to show me late in XXXX. You cant show lates or balances past my petition on XX/XX/XXXX. I have the legal right to open my bankruptcy case up again and file injunctions against all XXXX credit bureaus and every single one of my creditors, as they are all in violation of the bankruptcy discharge order. Might I remind them there is case law to support my position and claims : There is case law to support this : XXXX vs. XXXX XXXX XXXX and XXXX, XXXX ( XXXX. XXXX ). Here, the court relied heavily on two of my cases, XXXX XXXX XXXX XXXX XXXX, XXXX ( In re XXXX ), XXXX XXXX  XXXX ( Bankr. XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX, XXXX ( In re XXXX ), XXXX XXXX XXXX ( Bankr. XXXX XXXX ), This willful refusal to correct my record post-discharge is robbing me of a fresh start. Also, both TransUnion and XXXX are now refusing to allow me to dispute accounts online. They are requiring me to send in all of my personal information and dispute by mail. This practice should be outlawed as it goes against what is supposed to be their purpose and that is to protect the economic system and the creditors. They are asking us to put everything in an envelope that someone could steal our identity with. I am not going to do this and I am surprised that the banking industry, who loses billions every year to identity theft, has n't lobbied against this practice by the credit bureaus. I will NEVER be putting my social security card, drivers license, birth certificate and other requested identification into one envelope in the mail. That is not only the stupidest thing anyone has ever asked me to do but also a risk that I should not be asked to take and the credit bureaus should be obliged to handle my disputes regardless of this.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

At XXXX XXXX today my husband was contacted by the collection agency regarding a, " Personal business matter. '' My husband previously worked for a collection agency and stated the caller was divulging my personal business without authorization.
Product: Debt collection

I'm not familiar with is account. Did not receive any mail about this account or provide the opportunity to dispute the information. 

Please provide VALIDATION OF DEBT AND METHOD USE TO VALIDATE. 

CBE # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$450.00}, XXXX XXXX XXXX XXXX Balance Owed : {$200.00}XXXX XXXX XXXX XXXX XXXX Balance  Owed : {$2500.00}, XXXX XXXX XXXX XXXX Balance Owed : {$920.00}, XXXX XXXX XXXXXXXX Balance Owed : {$6000.00}, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : U S DEPT OF EDXXXX XXXX Balance : {$6200.00} DEPT OF EDXXXX XXXX Balance : {$0.00} US DEPARTMENT OF EDU XXXX Balance XXXX {$6200.00} DEPTEDXXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I see inaccurate information across the three credit reporting bureaus. As you can see Date of Last reported, date of Last Active, as well as payment status shows different information. I attached a screenshot of the exact report I received. 

I hope you take this seriously. Thanks!
Product: Debt collection

The reported no payments were court ordered as the foreclosure process was illegal and invalidated the Promissory Note and Deed of Trust is inaccurate because the court ruled in our favor declaring the aforementioned actions as illegal and thus voiding the lien. I am requesting that the item be removed or updated to show paid in full to correct the information. 
Another part of the case involved the Mortgage Broker that was illegally brokering Mortgages without a license in the State of Texas through XXXX XXXX XXXX. The mortgage began XX/XX/2008 and involved XXXX lawsuits before final judgment was passed against XXXX XXXX XXXX XXXX in XXXX, Texas and their leaning to Accelerate the loan and all our possessions which is illegal in the State of Texas. Roundpoint Mortgage Servicers is the company, along with XXXX that put the pressure on us and refused to speak with me, the third person on the mortgage simply because it did n't fit their paperwork system. 
I have challenged this through the credit bureaus three times now and RoundPoint refuses to close this and wipe the slate clean. 
This is doing irreparable harm to me as a XXXX veteran health wise and financially.
Product: Checking or savings account

I have called Paypal multiple times, getting different answers as to why I can not close my account. Latest being that I must have 180 days with XXXX transactions before my account can be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts listed in this complaint do not belong to me someone use my information to open fraudulent accounts with out my consent or knowledge someone use my photo id and social security number I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous disputes, Macy 's mailed me a letter dated XX/XX/XXXX, stating they will instruct all three credit bureaus to delete the reference account XXXX from all three credit reports. I have contacted since contacted Macy 's and opened numerous disputes, in which the account has not been deleted as of XX/XX/XXXX.
Product: Credit card or prepaid card

on XXXX XXXX i got a statement from American express for XXXX i call them and ask why they say is the annual fee so i tell them to cancel they offer me another credit card with no annual fee i accept it but they did n't told me the fee is not totally cover i still need to pay for XXXX until i got the monthly statement i found out i still owe it i call customer service to cancel the credit card they say ok ask them the account is clear the guy say yes but this month i got the another statement they say i still owe that amount i call them they say they never told me that.
Product: Money transfer, virtual currency, or money service

I am filling complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These acts have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request for Removal of Fraudulent Credit Remarks File Number : XXXX Date Created : XX/XX/2023 Dear Transunion Credit Agency, I am writing to bring to your attention a persistent issue regarding my personal credit report. I have made multiple requests through investigations and disputes to have the following credit remarks removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite my previous attempts, these remarks have not been fully removed from my credit report. I have taken the necessary steps to rectify this situation, including sending multiple certified letters, but have not received a satisfactory resolution. I strongly believe these remarks are fraudulent and, therefore, request their immediate removal from my credit report. 
In accordance with the Fair Credit Reporting Act, specifically Section 623 ( a ) ( 1 ) ( B ), I wish to remind you of the provisions outlined. This section states that if a consumer notifies a furnisher that they dispute the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a Consumer Reporting Agency ( CRA ) without providing notice of the dispute. 
Therefore, I kindly request that you take immediate action to remove the aforementioned credit remarks from my personal credit report in accordance with Section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act. 
It is crucial to rectify this matter promptly to ensure the accuracy and integrity of my credit history. I expect that you will act in accordance with the guidelines outlined in the Fair Credit Reporting Act to address this issue appropriately. 
Please inform me in writing of the actions taken to remove these fraudulent remarks from my credit report within 30 days of receiving this letter, as mandated by the Fair Credit Reporting Act. 
I appreciate your attention to this matter and your prompt resolution of the issue. I trust that you will adhere to the provisions outlined in Section 623 of the Fair Credit Reporting Act to ensure my rights as a consumer are protected.
Product: Checking or savings account

On XX/XX/year>, I paid a down payment of {$3000.00} to XXXXXXXX XXXX XXXXXXXX for my car using an XXXX XXXX card. A few weeks after I received a phone call from an associate in the financial department at XXXX questioning me about my method of payment. At that time, I informed the associate from XXXXXXXX XXXX XXXXXXXX that I had paid with my XXXX XXXX card, and they should have received the payment already, because I had paid XXXX XXXX in full. On XX/XX/XXXX, an unauthorized charge of {$3000.00} was made from XXXXXXXX XXXX XXXXXXXX to my Checking account. I immediately called XXXX XXXX to make sure they had paid them in full, in which they informed me that XXXX had already received payment. In light of these facts, I believe this was culpable negligence. This negligent act has harmed me financially and mentally. Culpable negligence refers to a situation where someone acts with a reckless disregard for the safety or rights of others, often resulting in harm or damage. In the context of unauthorized debits, it could be considered culpable negligence if the company knowingly or recklessly took money without authorization, especially if it caused financial harm.
Product: Credit card or prepaid card

I have a cc with XXXX ' store and have missed payments in the past and my online access to the cc was blocked therefore I am not able to make online payments only if I go to the store. This is an inconvenience because if I am not able to make it to the store again I incur in a late fee and miss payment. I have called and asked in the past to get my account unlocked but they refuse saying that I was late in the payment and I could do it over the phone incurring in another fee to which I refused. I got my account up to date but again have an issue with same store recently when the payment was applied incorrectly and again they charged me a late fee. I called and they fixed the problem but when irequested the lady to unlock my account ( today XX/XX/17 ) she refused to do saying that I was late 60 days and after this they sent me to collection- the balance is {$1.00} that she says was in interest although I had made payment before the due date but they applied it to wrong account. 
I protested that how come they lock my account so I can not access it online but she did n't get me logic answer and this causes more issues to me. 
are stores allowed to block accounts so users can not view the accounts at all? is this legar?
Product: Credit reporting, credit repair services, or other personal consumer reports

Those hard inquiries appeared on my Equifax report that I did not recognize. So that I did not authorize those inquires on my credit report List of hard inquires : XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice some inaccurate and incomplete on my credit report last month so I sent XXXX a letter on XXXX disputing the negative information including personal information and inquiries with XXXX certified receipt XXXX XXXX XXXX XXXX XXXX. Have not heard from them regarding this matter, per 15 USC 1681a all items have to be 100 % accurate and complete. I am asking for assistance to speed up the process because it keeps me from buying a home. I sent TransUnion and XXXX letters as well pertaining to the inaccurate items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXXXXXX {$3000.00}. I keep trying trying to file a complaint, the website keeps crashing. Spoke to bank numerous times. Please just help. 

Ok it went through. So, for a year and a half Ive been having a major issue with Bank of America and fake accounts taking money from me. They would freeze my account and make me wait for a card. The problem that I keep telling them, is that IM A XXXX XXXX. That means Id have no access to the money I saved, etc. on the road. The one time I attempted to pull my money out and move to another bank, I was blocked with a withdrawal limit notice but I tried to transfer it. Its can range from XXXX XXXXXXXX {$40.00} at any random time. And the email and hotline they set up for the lawsuit does not respond to me at all