23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On the night of XX/XX/XXXX while I was vacationing in XXXX I became a victim of Hackers using my business checking account making unauthorized purchases while I was receiving phone calls from TCF Bank representative making me aware of this fraudulent purchases, I attempted numerous times to call them back at the number provided XXXX extension XXXX without any response and it was until the next day when I was able to communicate with a representative who immediately said it will cancel my debit card these Hackers were apparently using, at the time they asked me if I lost my card and I responded that I wasnt sure but that I did not have the card with me but it was in my home in XXXX Colorado. I was vacationing in XXXX from XX/XX/XXXX thru XX/XX/XXXX, so I was told and investigation was been in place and that I should receive a response from someone from my bank, all of the sudden no one ever contacted me and I received my 1st notice dated XX/XX/XXXX stating that based on the microchip technology they believe this transactions were authorized because whoever filed the complaint over the phone stated that I had the debit card in my possession which was wrong so I went back to the bank and reenter another claim on XX/XX/XXXX and then again I was told someone will be in touch with me since no one at the bank would be able to help me, until now no one ever call me in the phone and so then I  received my second notice stating the same exact response from the first notice and I went back to the branch and the representative called some number where he was told to tell me to write a letter as I fully disagree with their decision they were taking for the simple reason that they are not making any investigation because every time I use my debit card with or without a microchip I either have to insert my PIN or sign as credit and because I do not have any details of this fraudulent purchases nor I have received any new debit card they said they will send me, By this means, I do ask the Bank to perform a deep investigation and if they believe I made those transactions to proof to me and to give me full details of every transaction that was made fraudulently and that someone communicates with me or if they believe I made those transaction to proof with my signature or PIN with date and time of every transaction until this case is fully clear, the same happens with other business account I have with XXXX XXXX who immediately filed and investigation and reimbursed all of my money from an unauthorized purchases. Thank you very much for your attention in this matter as I expect to clear this matter by receiving full reimbursement of all the fraudulent transactions in the amount of {$2200.00} should you need any further information please call me direct line XXXX to answer any question you may have, thanks Sincerely ; XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX XXXX : {$18000.00}, XXXX XXXX XXXXXXXX XXXX XXXX : {$25000.00}, XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX Balance : {$19000.00}
Product: Credit reporting or other personal consumer reports

There is missing information in my credit file with Equifax. I have accounts with XXXX XXXX, XXXX, and XXXX XXXX. However, Equifax has neglected to report the accounts. The company is in violation of 15 U.S.C 1681 ( a ), ( b ).
Product: Checking or savings account

Marcus online bank accepted money transfers from my personal savings account after verifying my account. Then I tried to get money transferred to a linked account and they transferred all my money back to the original account without adequate explanation. They credited the appropriate amount of interest to that account at Marcus and when I tried to transfer money out of my account again they locked their account preventing access. They have no problem accepting my money but seem to put up roadblocks any time I try to get some money back. Unethical behavior for an fdic insured institution.
Product: Credit card or prepaid card

Despite providing my current online login information, CapitalOne will not allow me access to my account unless I provide them my cell phone number. 

They state, duplicitously, that this is necessary to verify me. I say 'duplicitously ' because they can verify my identity in MANY other ways aside from my obtaining my mobile phone number. As is plainly evident, this is yet another example of the now ALL TO COMMON ruse incorporated by all corporates to collect customer mobile phone information because it is the most coveted/valuable piece of customer information available from a revenue/business perspective, none of which has to do with account security. Not coincidently it also happens to be the most highly valued piece of personal information I own from a PRIVACY perspective, on that hold in extremely high regard and NOT something I share with anyone involuntarily.

The plain fact is that : 1 ) I did not agree to provide my mobile information when I signed up for the account ; 2 ) There are a host of other means by which I can be verified, including but not limited to VERBALLY ON THE PHONE or VIA email, which ironically is used for ALL customer related communications.

The fact that they restrict access to my account unless I provide them this is nothing short of extortion, plain and simple. I find it shocking and mind boggling they and others are allowed to pursue this tack without recourse. What's more, I had THIS EXACT COMPLAINT several years ago to which they conceded error and corrected.

Unfortunately corporations in this country are permitted to act with impunity and free from accountability to an egregious extent, and it sucks that our Regulators and Regulatory Structure could not care less.
Product: Credit reporting, credit repair services, or other personal consumer reports

CARES ACT Violation personal loan late payment XXXX XXXX  XXXX FRCA Violation inquiry XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, LA XXXX
Product: Money transfer, virtual currency, or money service

Multiple unauthorized transactions with Cashapp. Attempted to contact someone for assistance but was told I had to contact my bank. Since I have changed my debit card to mitigate issue but still have missing payment history
Product: Credit reporting or other personal consumer reports

Ive recently checked my credit report and noticed some inaccurate accounts reporting XXXX account number XXXX but also listed as account number XXXX I have know knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request to remove inaccurate/unrecognized collections accounts : XXXX XXXX XXXX ... XXXX {$1500.00} XXXX  XXXX XXXX  ... ... {$240.00} XXXX XXXX XXXX .... {$2700.00} I have disputed these invalid accounts but they have not been removed.
Product: Debt collection

I saw in my report from years ago that I have Medicare because I have XXXX XXXX and this happen years ago. I advised that I'm on Medicare/Medicare back when I went to the Dr . I gave my info to the hospital and I was told it was not filed by the 3rd party. I never knew this was on my acct until I applied for a house. I did a dispute and they denied it twice. I sent the card to the hospital and I thought it was paid. It was not paid and now they have this on my report. I have Medicaid/Medicare and I sent proof. Please have them take it off. The 3rd party is harassing me and I advised them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third 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. Kindly correct or delete the following inaccurate items ASAP. Thank you.

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

XXXX, TRANSUNION AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS/INQUIRIES ON MY CREDIT FILE. BELOW ARE THE LISTED FRAUDULENT ACCOUNTS OPENED AND LISTED IN MY CREDIT PROFILE : XXXX XXXX XXXX XXXX : Account Number -- XXXX -- -- Date Opened -- -- XX/XX/XXXX XXXX XXXX XXXX XXXX : Account Number -- XXXX -- -- Date Opened -- -- XX/XX/XXXX XXXX XXXX XXXX : Account Number -- XXXX -- -Date Opened -- -- XX/XX/XXXX XXXX XXXX XXXX XXXX : Account Number -- XXXX -- -- -Date Opened -- -XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX
Product: Debt collection

Debt was discharged ( cancelled ) by the bank ; on or about XXXX, a XXXX sent by Wells Fargo to IRS stating balance of {$4800.00} as taxable. 

Now I am receiving repeated harassing phone calls trying to collect debt, as well as a letter from Wells Fargo filled with inaccurate detailing of situation. 

Have responded in attempt to rectify their records. No response back as yet.
Product: Debt collection

I have asked the company to removed this information from my credit report, but yet it has not been done, it is still showing up and my credit report as collection paid, closed I have disputed it with XXXX and also with the company .all I am asking for is to have it removed permanently from all of my credit files. XXXX 2016, {$570.00}. what I do n't understand is why should I keeping on disputing this from the first time I asked them to removed this debt I should have taken care of.
Product: Credit reporting or other personal consumer reports

This account is past the statue of limitations I also asked the company to provide me with information pertaining to this account pursuant 611, 609 UCC AND USC CODE
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft WFFNB/XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Checking or savings account

My name is XXXX XXXX XXXX number is XXXX and claim number is XXXX I shouldn't have got billed from the {$2.00} by it self into two different billed charges and {$28.00} they have added the {$2.00} in the {$28.00} but they billed me for the {$2.00} again for no reason and I have contacted the customer agent by support on XXXX telling the issue but they couldn't refund me for both payments I want a refund for both payments etc. Update I only got temporary credit for {$2.00} and then a temporary credit for {$2.00} total I got was for {$5.00} and I never got the full credit for {$25.00} I am disputing that full amount too as wrong amount so that amount need to be credit in my account for {$25.00} because I told the agent who open both disputes I am dispute the whole amount for {$2.00} and {$25.00} I didn't get the {$25.00} credit please add it to my account My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : and my old account number is XXXX and my online banking XXXX XXXX please dispute the whole amount for {$25.00} and give me a credit for that amount to {$25.00} and reference number is XXXX and reference number is XXXX etc.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am contacting you to request updates and corrections to my personal information as currently listed in your records. The accuracy of this information is critical to me, and I appreciate your prompt attention to this matter. 

Please make the following updates to my personal profile : Address Update : Kindly update my residential address to the following : XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Name Correction : Please correct my name to reflect the following accurately : XXXX XXXX Social Security Number Confirmation : For your records my sole social security number ends XXXX Date of Birth Confirmation : My correct and only date of birth is : XX/XX/ Telephone Contact Update : My current and only phone number is : XXXX Furthermore, I request the removal of all other addresses associated with my profile that are not deliverable by the U.S. Postal Service. These addresses are inaccuracies and, as such, should be deemed non-reportable under the Fair Credit Reporting Act ( FCRA ). Enclosed, please find copies of my driver 's license, Social Security card, and proof of residence to assist in verifying my identity and supporting the requested changes. I trust that these updates will be reflected promptly and accurately. Should you require any additional information or documentation, please do not hesitate to contact me directly.
Product: Debt collection

My complaint is with XXXX XXXX XXXX. They are trying to obtain an amount different than their correspondence claims. My original correspondence stated I owed them {$540.00} which I agreed to owing. I set up a payment plan with them for {$100.00} a month to be debited from my account after I had already mailed them a {$100.00} money order. Today in the mail I get notice that they will be drawing out another {$100.00} on the XXXX of the month. That will be {$600.00} that I have already paid to them. When I called them about this they stated that I set up the payment arrangement for this payment with a final payment of {$37.00} and change to be taken out in XXXX. I asked her what the additional amount was for because I've already paid them most of the debt they originally said I owed. This rep told me it was for {$86.00} in court costs plus {$4.00} in interest. When I looked back at the notarized copy of what we agreed up, the interest says {$.00} and the court cost line is left blank. According to this paper sent from their office I only owe the debt of {$540.00} I believe this is a violation of the fair debt reporting act in trying to collect more than the original agreed upon amount was. I don't have an issue with paying in full the original amount they gave me but feel it's unfair that they are now trying to tack on this random amount I knew nothing about. It was NEVER on any of the letters they mailed me about my debt. I had another debt with them prior to this one and they were given too much money which took me almost 2 months to be refunded to me. Their debt collection practices need to be looked further into. I don't feel as if I should owe this additional since it was not stated prior. I did tell the representative I will be closing the account they are debiting their payment from and send them the remaining {$47.00} and that will be my final payment.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

CFPB, I MAILED EQUIFAX A DISPUTE LETTER XXXX TO REINVESTIGATE XXXX XXXX XXXX ACCOUNT INACCURACIES I HAVE NOT RECEIVED AND DOCUMENTS BACK XXXX IS XXXX DAYS AFTER XXXX DAYS THE ACCOUNT SHOULD BE DELETED FROM MY REPORT.
Product: Credit reporting

I disputed several inquiries both with the original company and the credit reporting agencies, none of the original companies responded to my letters. Two letters were sent 30 days apart and none responded. Credit Bureaus refusing to remove the listings. 
CAPITAL ONE AUTO FINANCE XX/XX/2016
Product: Credit reporting

I paid XXXX XXXX in settlement on an old account. *****************. We entered a settlement agreement of {$2000.00} which was paid in XXXX installments of {$340.00} and {$1700.00}. The credit burea does not reflect these payments or a zero balance.The account has been paid in full. Repeated requests to update or delete has fallen on deaf ears. All documents/cancelled checks have been forwarded to Equifax.
Product: Debt collection

Was contacted Friday XX/XX/XXXX at XXXX by a representative from Wakefield and associates and without verifying anything, ( full name, address, social, DOB ) the representative disclosed he was calling to collect a medical debt. Since I used to be a third-party collector myself I asked why he didn't verify me and he lied to me saying that they no longer have to do that. Called multiple times and left 3 messages for a supervisor and never could speak to one.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a dispute to the major credit reporting agencies and listed the erroneous accounts. I believe I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transacti

on ( s ) that I have made. I have contacted creditors to resolve this with them to remove the accounts listed on my credit report because they are fraudulent. I also gave a copy of my ID, SS Card, and Proof of Address. Section 623 ( a ) ( 1 ) ( A ) of the FCRA prohibits inform
ation that the furnishers are providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. 

[ 15 U.S.C. 1681s-2 ] Section 623 ( a ) ( 1 ) ( B ) ( i ) ( ii ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
has violated my rights. Or a list of inquiries : 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 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.