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

Capital One ... .Visa credit card ... .Elder financial exploitation On XX/XX/XXXXI was contacted via email by headhunter looking for procurement officers by a company in XXXX XXXX XXXX XXXX XXXX -US Branch handled by a XXXX XXXX   this was an international gift card credit card scam that wasn't revealed to me until XX/XX/XXXXwhen I became aware that the company was a scam. I immediately connected with the vendors and saved over {$1000.00} of gift cards that were not used. I immediately filed a Sherrifs Department report with XXXX XXXX XXXX   through the XXXX  , Fl Police Department File # XXXX XXXX I was quite upset and XXXX XXXX took my statement. I also filed a IC3 report with the Federal Bureau of Investigation on XX/XX/XXXX. I worked with the fraud department of Capital One every phone call made I was reaching a new agent I never talked to the same agent twice. I was calling 2 or 3 times a week to try to rectify this matter. I felt as if I was getting no where with them. I was responsible for {$3700.00} which were my charges that I myself was responsible for and paid in full. Capital One lost the check. This was resolved by me when I paid on line once again. I never heard one word about the lost check. On XX/XX/XXXX agent XXXX XXXX issued me a case # XXXX he stated that I should fax to him the reports and place this case number on each sheet which which I complied with. I have never received any acknowledgement that these docs where received and I could never again reach this agent. Therefore, On XX/XX/XXXX I spoke with XXXX XXXX XXXX  another call, another explanation, sent me a link in order to place the files online again using the same case number a above. To Date I have heard nothing. I had no acknowledgement but still received notices from the credit card division charging interest on the unpaid balance and of course ruining my credit score. I called Capital One again but to no avail. I felt as if I was on a merry go round. I never heard or received anything from the fraud dept but kept on receiving the statements with interest accruing. These phone calls were getting me no where to date I have called over 100 times to this department. I wrote a letter of XXXX XXXX XXXX XXXX, President of Capital One, overnight return receipt requested, I never received acknowledgement when I know the letter was in fact delivered. I feel that I have exhausted all means of communication with this company my credit has been ruined when in fact I always maintained a high credit score throughout my lifetime. I am XXXX years women living on social security and pension who just wanted to earn additional income but duped by foreign scam artists. Now that I need a small loan to purchase a car I am being declined because of this continued problem.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I initiated a dispute regarding the inaccuracies in my credit profile related to XXXX. I have not tried to open any accounts with the following Banks but it's reporting on my credit profile. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, OH XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX Inquiry Date : XX/XX/XXXX and Inquiry Date : XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, FL XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX, TEXAS ; XXXX XXXX XXXX, XXXX XXXX, TX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, XXXX XXXX, CITIZENS ONE and XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting 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/2023 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 you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accordance with the Fair Credit Reporting act Convergent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Equifax data breach in 2017 I am writing to address a serious matter regarding the data breach. It has come to my attention that my credit report has been reflecting several instances of fraudulent activity, specifically the opening of a credit card from XXXX XXXX with a balance of {$1400.00}. 

I have taken the necessary steps to rectify this situation by providing proof of the Equifax data breach in 2017, as well as an Identity Theft report. Additionally, I have attached a dispute letter pertaining to the fraudulent credit card and evidence of the deletion of all related inquiries from all three credit bureaus.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Recently we received PIN notifications in the mail from SoFi regarding a credit card account in my name and that of a person named XXXX XXXX. We immediately contacted SoFi on XX/XX/28 and informed their representative that we did not apply nor do we have any open any account with your company. They informed us that the account would be flagged as fraud, closed and the three Credit Bureaus would be notified. 
We then received two physical credit cards. One for myself and one for XXXX XXXX. After receiving these cards we contacted SoFi again on XXXX and received the same assurances. 
We then started to receive demand letters from SoFi advising we have missed payments. We informed our local police department ( XXXX XXXX Illinois Police Department ) and contacted the three credit Bureaus to freeze my credit. 
We then received the enclosed letter stating that our request was cancelled as we did not provide the information necessary. This is not true. We sent the affidavit when it was requested and it was XXXX XXXX. Their Fraud area should research the difference between a Notary and a XXXX XXXX. 
Our police department advised against sending any further information as they felt that the requests may be coming from the individuals who are committing the fraud. As recommended by the Officers, we reviewed my credit reports from the three bureaus and the promise made was not completed as promised. My credit score has now been negatively effected by SoFi opening this account without authorization as it now shows that it is in default. 
The three credit reporting agencies need to be notified that this account should be removed from my history and have my history returned to where it was prior to SoFi opening this account fraudulently.
Product: Debt collection

XX/XX/2021text messageabout a debt to Bank of American $ XXXXthat was late. I dont have an account with this company. Received nothing in the US mail or by email about this info. The text was from XXXX. Im a member of XXXX  & I filed a complaint through them. I also blocked their contact info.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I started an investigation of unauthorized inquires on my Experian and XXXX credit reports. These companies investigated accounts instead. Additionally XXXX   DELETED and account I never ask them to investigate. This is a ridiculously gross violation of FCRA. Removing a legitimate account from credit file is illegal and damaging to say the least. Both companies are in violation of the FCRA in that they exceeded the 30 days to investigate my concerns. 
The items are below : Experian INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX  XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized COLLECTIONS XXXX XX/XX/XXXX not mine XXXX INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX   XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$39.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account ( XXXX XXXX Account # XXXX ) was properly investigated but how is that when possible if the date opened is inaccurate, the account detail type is inaccurate, high credit is inaccurate, the credit limit is inaccurate, date last reported is inaccurate, last date active is inaccurate, and the date od last payment is not accurate. This is grounds for removal. They also violated my rights under 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions. 
Also the credit bureau took more than 30 days to complete my investigation here is my certified tracking # XXXX # XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2019 I incurred an unauthorized transaction from XXXX XXXX, XXXX. There have been several big leaks on account emails and passwords from the company XXXX XXXX, my first account was compromised at the same time and i presume used by an individual to filter money to themselves. Automatic Payment for {$110.00} Paid with XXXX  XXXX XXXX, XXXX. Account Number : XXXX. 
The Transaction ID for the purchase was : XXXX, from pay-pal, and Seller info XXXX XXXX, XXXX Invoice ID XXXX Total {$110.00}, Recipient email : XXXX. 

PayPal sent me an email saying that, " The payment in question was sent as part of a billing agreement you previously set up with the merchant. '' So of course i have used the service before and i have made purchases from the website itself, but the person that hacked into the account made an unauthorized fraudulent purchase from my account. The website is used by freelancers and partners to sell subscriptions, tips, and other services from which XXXX XXXX takes a cut. 

Now because my claim has been denied my current debit and credit accounts stand with negative balances, these fees jumped from my debit to my credit card ( Plus Mastercard - XXXX ) : XX/XX/2019 Expand transaction for Transaction date : XX/XX/2019 OVERDRAFT PROTECTION - TRANSACTION FEE Type Fees {$12.00} {$130.00} Expand transaction for Transaction date : XX/XX/2019 OVERDRAFT PROTECTION TO XXXX XX/XX/2019 Expand transaction for Transaction date : XX/XX/2019 OVERDRAFT PROTECTION TO XXXX Type Bank Transaction {$100.00} {$110.00} I also had to cancel my pay pal credit account in fears that then that account could also incur fraudulent charges. PayPal will also not allow me to detach my debit account from their website, so maybe i will also have to close that account down. From what i read online is that i am not the only one in the same boat. 

" Safe & Easy Way to Pay. Get Started Today. " -PayPal 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 violates the Cosumer 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, their dispute resolutionwas unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I reported to Aide advantage that I have a data breach. Yes, my loans are in Forbearance but, I submitted proof of bankruptcy. I submitted documents concerning this breach but to I avail.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I reached out to Experian and attempted to dispute several items that were being reported on my credit report inaccurately and many were the result of identity theft. I was told that I would need to submit everything in writing. In XXXX, I submitted the dispute in writing and attached my ID which shows my current address and my social security card. I got no response. In XXXX I submitted ANOTHER DISPUTE and again I attached to the letter of dispute, copies of my identification, social security card, and even my identity theft affidavits. To date there has been NO RESPONSE and NO CHANGE to my credit report. Experian is intentionally ignoring my letters. They are ignoring the consumer laws that protect me. They are causing me a tremendous amount of stress and anguish, not to mention financial hardship, in not resolving this. The items listed on my credit do not belong to me. There was a family member living at my address who shares the same name as me as well. Experian is doing nothing to investigate the items and they are not even responding to me. I also requested that they send proof of the investigation results BUT they haven't even done the actual investigation. It's been far too long since I initiated my disputes. They only had 30 days to respond or delete the information disputed and it has been well over 30 days now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently ive been shopping around in regards to buying a house. I was informed by my potential lender that there was some negative items added to my credit report recently that i have no knowledge in and is COMPLETELY INACCURATE which is damaging to my credit report, and a defamation to my character I sent out letters to all 3 credit reporting agencies on XXXX regarding this negative account that's reporting they haven't responded back to my complaint nor have they provided me with any verification of this negative account, its been 30, and this issue is now a violations of my consumer rights.
Product: Credit card or prepaid card

I overpaid Capital One by {$2600.00} and, after talking to an agent on XX/XX/2022, who assured me that it wouldn't be held against me if I cancelled the payment, I cancelled it. Regular payment was then automatically withdrawn, as usual. 
When requesting a credit increase, received a letter saying that a payment was returned, so was denied the credit increase. I called and talked to them, but was not able to get the matter cleared up. " Apologies for the mis-information that was given to you '' was all that I got from them.
Product: Credit reporting or other personal consumer reports

I have been a victim of idenity theft. My personal information has been used to obtain goods and services. I Contacted Equifax and told them that this inquiry are fradulent and provided proof, even though they told me that this inquiry were verified. Pleas dispute and remove this fradulent inquir from my credit report XXXX XXXX XXXX  XX/XX/year> XXXX
Product: Credit card or prepaid card

None of these charges are mine. The last legitimate charge was on XXXX/XXXX/XXXX. 

XXXX/XXXX/XXXX Auth : Usps.com Postal Store {$810.00} XXXX/XXXX/XXXX Auth : XXXX XXXX XXXX {$190.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$110.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$120.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$54.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$29.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$32.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$16.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$12.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$14.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$19.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$16.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$23.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$8.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$8.00} XXXX/XXXX/XXXX Auth : XXXX XXXX XXXX {$7.00} XXXX/XXXX/XXXX Auth : Usps.com Postal Store {$730.00} XXXX/XXXX/XXXX Auth : XXXX {$59.00} XXXX/XXXX/XXXX Auth : XXXX {$1.00} XXXX/XXXX/XXXX Usps.com Postal Store XXXX Mo {$1400.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$99.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$99.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$260.00}