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

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 updated. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. In accordance with the Fair Credit Act, I need the following accounts removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$11000.00} XXXX XXXX Balance : {$0.00}. I have reviewed my credit report and identified the specific accounts that require correction. Despite my attempts to resolve the matter with the credit bureaus and the creditors, the inaccurate information remains on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 
XXXX XXXX XXXX XXXX XXXXXXXX - This is completely inaccurate. - I believe this is reporting inaccurately. 
XXXX XXXX XXXX XXXXXXXX - This is completely inaccurate. - I believe this is reporting inaccurately. 
XXXX XXXX XXXX XXXX XXXXXXXX - The term that is being reported is reporting inaccurately- This is not mine - please remove this inaccuracy from my report XXXX XXXX XXXX - XXXX - The term that is being reported is reporting inaccurately- This is not mine - please remove this inaccuracy from my report XXXX XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I had requested a new debit card from Wells Fargo. They sent it to me in the mail on XX/XX/XXXX. I never received it in the mail. 

On XX/XX/XXXX, I logged onto my online banking. This is when I noticed that I had transactions that were not approved by me. I immediately went into Wells Fargo bank and spoke to a banker to help me claim the fraudulent charges. 

On XX/XX/XXXX, I received a letter from Wells Fargo that they have looked into the claim, decided that all the charges were made using my card and a Personal Identification Number ( Pin ), therefore they will be closing the case without any refunds. 

I was stolen {$2100.00} from and none of it was refunded. 

I have an XXXX and the criminal purchased a XXXX phone, XXXX  rides, XXXX tokens, XXXX XXXX XXXX charges, XXXX ( travel ) charges, and even called a prisoner in jail. 

When I went to the Wells Fargo branch on XX/XX/XXXX, I requested a new card be mailed and immediately installed a lock on my mailbox at home. 

They sent me a new card and I activated it on XX/XX/XXXX. In order to do that, I had to go on the website and use my birthdate or my last four of social security number to activate it. No PIN was needed. The thief could have done this by looking at my other mail items.
Product: Checking or savings account

Just Talked to Bank manager XXXX she will not reverse these fees and was told to go somewhere else Phone # XXXX XXXX On XX/XX/XXXX mu account became overdrawn by XXXX to date XXXX which is XXXX in bank fees. I would have closed this account prior to this but my Social Security takes 60-90 to transfer to another institution. 
This bank has never paid any NFS checks for me they have the right to make this decision according to their discretion. But to use my Social Security to cover Bank Fees not a check written is going a bit over the top. 
the charges were as followed XX/XX/XXXX XXXX XXXX charge XXXX account was short XXXX XX/XX/XXXX check XXXX returned on XX/XX/XXXX XX/XX/XXXX XXXX NfS Fee XX/XX/XXXX overdraft fee XXXX XX/XX/XXXX to XX/XX/XXXX XXXX charge plus on XX/XX/XXXX XXXX XX/XX/XXXX to XX/XX/XXXX XXXX plus XXXX on XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX XXXX total to date XXXX overdrawn .with XXXX service fees. 
Review attached.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing some errors in my credit report and it has been more than 60 days with no response from the credit bureaus.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, block 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
Product: Checking or savings account

Regions bank located at XXXX XXXX XXXX XXXX XXXX florida closed my account unjustly, the account was deposited 2 checks and i made the account good again with 2 deposits of XXXX, regions swiped XXXX plus XXXX and run me all over town and lied to me numerous times to retrieve XXXX dollar balance and closed the account without notice, after i was liet to numerous times and went all over town playing the run-around-game, when i asked XXXX XXXX for the original contract back as its my property when the account is closed, she said she lost it, and i asked also for the two bad checks back she lost them also, ok folks well youre being investigated now, and all ATM transactions, debit card purchases and the nice blue ink signatures of mine that you sold will all be found very soon now and there will be TROUBLE, you people think youre so slick dont ya, you not allowed to sell my signature without my consent, and youre not allowed to collect all the interest on the securities either, because it is due to me with a 3 year period i can claim the interest you XXXX ME OUT OF, plus all the charges of fraud and theft coming your way,
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX
Product: Student loan

Navient has repeatedly suggested that I use forbearance when struggling after losing my job and after encountering financial problems. I have now had several forbearances and just recently I learned about Income Driven Repayment plans ... I do n't understand why they did not tell me that there was an Income Driven Repayment option.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was going through a XXXX and also due to a medical illness I got behind on my mortgage and car loan. And was hit with medical bills that are now resolved. But since XXXX  I have been current and still reporting on my credit as late! And have Hard inquiries from XXXX XXXX XXXX XXXX. I Have disputed this and still no change.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I identified unauthorized inquiries on my credit report under 15 USC 1681c-2. These are incorrect and are hurting my credit score, so I kindly request the removal of all unauthorized hard inquiries. Thank you.
Product: Credit card

I submitted a Dispute with XXXX XXXX XXXX. I advised them the month they are showing for XXXX late payment in my entire credit history is wrong ; that I was never late. I provided them with a copy of my credit card statement showing that I had a XXXX XXXX on my statement during the month in question.
Product: Credit card or prepaid card

I applied for, and was accepted, for the Capital One XXXX  XXXX credit card. 
The card was delivered on XX/XX/2022. 
The annual fee of {$390.00} was billed to the card shortly thereafter. 
The first time I tried to use the card the transaction was declined. 
I called customer service and they said the card is " restricted '' and can not be used until it is unrestricted. 
They said they require proof of address and personal identification in order to unrestict the card. They declined my request to refund the annual fee while the card was restricted. 
I sent them copies of documents they requested, including XXXX XXXX XXXX, XXXX, and copies of bank statements showing my home address. 
They refused to accept a bank statement from XXXX Bank as proof of address because the account number was masked by the bank. 
They refused to accept a second bank statement from Capital One bank as proof of address because I could only produce a screenshot and not an actual printed statement. I explained to them that my Capital One bank account will not let me print paper statements. 
I explained to them that I do not have utility bills in my name as I live in my in-laws home. 
They said that they could not verify my home address - even though I bank with Capital One bank - and therefore they can not unrestrict the credit card. 
On XX/XX/2022 I tried in vain one last attempt to speak to Capital One Credit Card Services in attempt to have them unblock the credit card. That attempt failed as they said there was nothing more they can do. I then requested that they close the credit card account and refund the annual fee of {$390.00}. They agreed to close the account but refused to refund the annual fee. I politely explained that they had no right to charge me a fee for card that they will not let me actually use, nor ever did let me use. They seem to think that I can magically produce documents I don't have and get the card unblocked. I spoke with an account supervisor XXXX who stubbornly refused to refund the annual fee, insisting that she can not do anything until the account was verified -- though she admitted she had the authority to reverse the annual fee but declned to exercise that authority. I got agitated, and she hung up on me.
Product: Money transfer, virtual currency, or money service

Lost {$2800.00} in XXXX Transaction Robinhood Refusing to Refund Funds Returned to Their XXXX XXXX  frustrating situation Im dealing with. Heres what happened : XXXX. I sent {$2800.00} worth of XXXX  ( XXXX  ) from my XXXX wallet to a XXXX wallet. 
XXXX. Due to an issue with the memo field, XXXX returned the funds to Robinhoods XXXX XXXX  ( the XXXX XXXX  ). 
3. Robinhood now has the funds, but theyre refusing to refund or redirect them to my personal wallet, claiming they cant revert transactions from their XXXX XXXX 
Ive already reached out to Robinhood support multiple times, but theyre not being helpful. Ive provided all the necessary transaction details, including the XXXX and confirmation from XXXX that the funds were returned to Robinhood. 

I been in there customer support, all day, this has been happened a while ago, also a leadership team has contacted me via email, they said they can not refund it, while they are confirming they have the funds with them in their XXXX XXXX They said they cant refund me. When I contacted XXXX they said they cant do anything once Once the funds leave XXXX- we no longer can help, the suggested me to contact a cops or lawsuit,
Product: Credit reporting or other personal consumer reports

This is my numerous 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, block 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
Product: Bank account or service

I unfortunately had to enter into bankruptcy and was advised by my attorney to close my checking accounts and open new ones. I had a checking account that was supposed to allow no OD/NSFs on the account and left approx.. {$2.00} in the account. I opened new accounts at a new XXXX. I had XXXX car insurance payments on auto draft that still attempted to draft on the old checking account, but were not paid and I paid online directly. The old XXXX charged me OD fees on a checking account that was not supposed to assess fees per my agreement. I tried to close the checking out prior with a positive balance, but was told I could not because I had a balance in the account. I tried to close the account out but again was then refused because I had a negative balance due to NSFs. I refused to pay the NSFs, due to having an account that was not supposed to assess NSFs. The bank refused to remove the NSFs and has now reported me to a collection agency.
Product: Credit reporting or other personal consumer reports

I have been unable to view my Equifax Consumer Report for over a year, either via XXXX or directly at my.equifax.com. Upon attempting to access same, I constantly receive this error : " Please give us a call. We can't complete your request at this time. Please call the Customer Care team XXXX. '' Equifax provides no further explanation. 

On XXXX XX/XX/2023 at XXXX XXXX, I called Equifax at XXXX and spent 90 minutes on repeated holds, and talking to a representative located outside the jurisdiction of United States. Despite the lengthy and unproductive phone call, Equifax 's representative refused to connect me with anyone empowered to resolve the issue but provided XXXX # XXXX and a promise someone would contact me. 
To date nobody ever called the phone number I provided. At XXXXXXXX XXXX XXXX, XXXX  while on the phone, Equifax sent me email claiming the issue was resolved. This is false. Nothing has been resolved. On XXXX XX/XX/, Equifax wrote me an email instructing me to reset my password, just as the phone rep did without success. Attempting to reset my password repeatedly yields the same " " Please give us a call. We can't complete your request at this time ... '' message. Instead of resolving its issues, Equifax instructs me to follow the same steps repeatedly and expect a different result. 

I write in sheer exhaustion of trying to deal with a broken company that operates offshore and can not provide mandatory consumer credit reporting information, and refuses to provide me access.