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

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

On XX/XX/year>, I attempted to donate {$5.00} to a person on the street using my Discover card. They were a scammer, they overcharged me and the total charge was {$2400.00}. I asked for a receipt but did not receive one. The vendor listed on my credit card statement is not legit/not one I can locate online ( XXXX XXXX XXXXXXXXXXXX XXXX ). I have opened an investigation with local police as well as the attorney general and FTC. Discover has told me that because I authorized the charge and I have no proof on the amount I authorized, I am liable.
Product: Bank account or service

On XXXX XXXX, 2016, a criminal hacked my account and charged {$790.00} to my checking account. I immediately noticed that same day because it put my account in the negative and I got an alert stating that I was in the negative. So, I immediately called Chase Bank and made them aware of the fraudulent activity. They told me to stay calm and that they were going to open a claim for me and that everything was going to be fine. They credited back the {$790.00} to my account and told me they were going to investigate. I followed up with them the next day once I saw that they let the charge go through on my account. It was only pending the previous day and I did n't understand why they would n't red flag that transaction and reach out to XXXX right away, but they told me this was apart of the process so I just waited. I called back over the next to two months for updates and was told nothing. Every time I called they would tell me there was nothing in the notes, so they could n't tell me the status of the investigation. All of a sudden, tonight around XXXX on XXXX XXXX I get an email saying that they finished the investigation and the charges are correct and they 're taking back the money they credited back to my account. I do n't understand what happened here. Literally, they let someone steal almost {$800.00} out of my account and did n't even fully investigate because I never made those charges. It 's not even like me to make charges that big. Why could n't they just look up where the stuff was delivered to and catch whoever did this to me. I just got screwed by XXXX and my own bank. I do n't know what to do. Please help.
Product: Credit card or prepaid card

I have signed up for text and push notification when theres a balance in the summer. I had a medical issue in XXXX and did get a chance to use my computer to check my emails. I expected the company to send me a text notification as a form of communication when theres a balance in my account because they offer that option on their end. I did not receive that as a form of communication for a balance I accumulated since XXXX. I also thought the automatic payment went through because I put extra cash in my checking account in preparation for my medical leave. I know Id have enough to cover for the payment. Because I did not receive any text and push notification, I assumed my account was in good standing. It turned out that it wasnt. I was made aware when I found out Discover reported a late payment to the credit bureaus when I checked my credit score. If Discover offered that option to receive text notification to consumer, they should follow through. There was a glitch with the app that I did not received any push notifications either. I spoke with Discover on XX/XX/2020 and they admitted they never sent me the texts. They were firm that they sent me emails and push notifications. However, the push notifications does not show properly in the app as well. It appears unfair that the consumer was given an option to be notified through text, and that did not happen. Discover can not assume that responsibility on the consumer when the consumer requires and requests other forms of communication, in this case - through texts when its available, in different circumstances. If Discover offers that option in the first place, they should honor that.
Product: Credit reporting or other personal consumer reports

I am in the process of securing a mortgage on a second home. I have a broker. She sent me an email about opting out of credit bureaus pre screening. I didnt see it in time. Within 10 minutes of me seeing the email, the calls started. 37 on my cell phone in less than 24 hours so far, 4 calls on the home phone and at least 9 text messages. 

I have since researched this ridiculousness and have included my information on the opt-out website. It is only good for 5 years! I also checked my info on the do not call lists which I DID do years ago and my info isnt on the registry list! 

Unfortunately, my information has already been sold and Im livid. Im reaching out to my congressman and Senators. Im also reaching out to each credit bureau. This blurred line that allows them to sell my information is wrongand should be as illegal as it can be. 

Why is the onus to opt out on the individual?! They should only be allowed to have people opt-in.

I want the 3 credit bureaus to NOT be able to opt me in at their convenience. I shouldnt have to hunt them down to not sell my info.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for any debt with XXXX XXXXXXXX XXXX I dont not have a contract with XXXX XXXX XXXX and after numerous attempts to resolve this inaccurate information being reported on my credit they have failed to send me a copy of the contract as requested
Product: Credit reporting or other personal consumer reports

on or about XXXX i filed a complaint ( included in the complaint was a copy of my new york state drivers license with current address, bank statements, 1099, and etcc ) with XXXX XXXX XXXX XXXX concerning incorrect or/and fraudulent personal information on this writers personal credit profile. on or about XXXX XXXX responded requesting the same identifying information that was already submitted on XXXX so one XXXX this writer filed a complaint with the CFPB for deliberately refusing to address this writers complaint. after several days XXXX responded to the CFPB complaint repeating the same lie/excuse they need more time. on or about XXXX XXXX sent a letter to this writer repeating the same lie/ excuse/. ( see attached letters from XXXX ) This company is KNOWINGLY, DELIBERATELY and WILLFULLY attempting to sabotage this writers credit and financial future. In addition, once again, XXXX is in violation of 15 usc 1681 and the previously settled class action lawsuit ( XXXX ) In addition, the same request to remove incorrect addresses was submitted to transuion and XXXX. XXXX timely removed the incorrect / fraudulent addresses. ( see attached )
Product: Mortgage

Fay Servicing of XXXX, Texas sent our BK XXXX Trustee a final Notice of Cure indicated we needed to pay {$8700.00} to complete all of our final payments and bring our monthly mortgage payments up to date. Our records agree with the amount owed except for {$870.00} that was labeled " Outstanding Corporate Balance ''. We immediately paid the {$8700.00} dollars to Fay Servicing two months ago. This amount was applied to our account and recorded on the past two months statements. However, our statements are still indicated that we owe XXXX of dollars more for the past two months even with Post-Petition Notice of Final Cure payments applied,. 

I talked to Fay Servicing 's representative XXXX today and he indicated that the {$870.00} was adjusted off the bill and that Fay Servicing still needed to reconcile the mortgage records. 

I am very concerned that the reconciliation of such critical records has not taken place and our mortgage statement continues to reflect that we owed thousands of dollars two months after complying with the courts Notice of Final Cure payment. 

I am concerned that we are going to receive a delinquent notice or worse yet a notice to start a foreclosure process.
Product: Checking or savings account

There were two of my accounts involved on my same Capital One 360 Checking Account ending in XXXX. I was pretty stressed when both of these vendors charged my account After I cancelled. Today, XX/XX/2023, I cantacted my bank, Capital One 360 after I noticed that both companies had charged my account. It was also very stressful because I had to give my information three separate times because I was transferred to three different departments. When I inquired why I wasn't transferred to the right department the first time, there was no response. I needed to get the unauthorized transactions credited asap because they had plunged my account into the negative. I had to repeat the issues to all three departments because no one brought over the information. That being said, in the last department, I ended up speaking to XXXX. I kept telling her I needed to get this taken care of right away as I have serious health issue and was waiting for a call back from my doctor. I still ended up on this call at least 45 minutes which was really frustrating. On my XXXX XXXX XXXXXXXX I needed a credit back of {$14.00} which appeared on XX/XX/2023 and I asked to do a stop payment so this could not occur again.I also asked for a credit on XXXX XXXX XXXX which appeared on XX/XX/2023. I asked that a stop payment be placed on this account also. XXXX became argumentative with me and kept repeating the dialogue that it could take up to 10 days. I kept telling her that would not work because my account was in the negative and I am going thru enough trying to make ends meet since I am a XXXX XXXX XXXX XXXX I told her I heard whaat she said the first time, but XXXX kept repeating the same information to me again and again when she knew I had to speak to my doctor right away.. Then she told me she could not put a stop payment on the XXXX because it wasn't recurring. I have a membership which is veerified on the attached but she kept insisting nothing could be done.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to NAVY FCU XXXX, NAVY FCU XXXX, XXXXAVY FEDERAL CR UNION XXXX, and NAVY FEDERAL CR UNION XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or NAVY FEDERAL 's customer service representative.
Product: Credit reporting or other personal consumer reports

I have not been able to obtain my credit reports from XXXX and or XXXX. I have not been able to get past the validation questions. It says that the information that I have provided does not match what their system has. Previous records and background checks show name of : XXXX XXXX XXXX XXXX among others. Different DOB and different Social Security Numbers appear for me. Student loans have been taken out under XXXX XXXX XXXX XXXX. I have disputed that information with the credit bureaus as well as the student loan lenders. I was informed that ID Theft was placed on the student loans as they are charging me over {$150000.00} dollars. My school records show that my disbursements were no greater than {$60000.00}. I also have never consolidated any student loans. I have not made any changes with the Social Security XXXX XXXX tough I've been told otherwise.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX sent a letter stating that the account had been referred for collection. There was no information sent to validate the debt, rather letter states that I have to dispute debt before they would provide validation. It immediately threatens a judgment instead of listing the process to verify the debt and move forward. 

I sent letter requesting that the debt be verified, that they were indeed engaged to collect the debt, etc. The only information that was sent to me were statements of the account. This provided absolutely no documentation that the firm was indeed authorized and engaged by the creditor to collect the debt. 

Additionally, during this time, their representative XXXX XXXX was literally " blowing up '' my phone every day XXXX times per day.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is reporting a card that doesnt belong to me. Ive sent numerous request for this information to be removed from h credit report. The address listed has never belonged to me nor have I ever stayed at the address on my report. I dont know if that address exist to be honest. Ive tried different ways to get this taken care of and it just keeps being reported inaccurately.
Product: Checking or savings account

I authorized ACH transfers from my account. The bank entered two of those transfers twice resulting in an artificially low balance in my account. Later transfers and payments would thus be declined as insufficient funds were reflected in the account for such payments, all resulting in fees/penalties from the payees.

The bank stated that it was aware of the issue and was trying to address it, but could not say when it would be solved and would not take any action to specifically address the deficiency in my account or prevent the consequences. 

The bank told me I should put more money in the account to cover the pending payments that would otherwise be rejected due to the artificially low balance.
Product: Credit card or prepaid card

Capital One Bank allowed a business credit card to be fictitiously opened in my wifes name and then has ruled against me based on there investigation. Well first off I believe my idenity was stolen from this company and distributed on the dark web for many others to be seen. Capital One has no idea of how to protect customers from security violations committed on their credit cards. When I questioned the ruling it was like the XXXX was called to protect assets. Now they say on TV what we protect 100 % fraud and idenity theft. They rule against you with no say as to why, what happened, or NOTHING! They did waive some charges but in the end its not OUR account. They will not provide me a signed copy of the application agreement. They cant tell me why my account was hacked. This has also led me down a disaster credit emergency because all my financial accounts have been compromised. Its about time for the Government to rain down hard on Capital One. 30 % interest, high late fees, a mafia or dictatorship sense of responsibility to the fact they couldnt and dont have the capacity to keep others from hacking 100 million customers. They have admitted to one major failure of an ex employee but fail to address the consequences of all those affected. In my opinion capital one should be fined LARGE amounts of money by the US Government under the leadership of the President of the United States of America. Credit Card Companys while needed are failing to spend critical amounts of money ( to protect the elite bonuses at the top ) that hurt thousands upon millions of lives in the United States. My name is XXXX XXXX I live at XXXX XXXX XXXX in XXXX IL ( XXXX XXXX ) XXXX. Phone is XXXX. Please relay to them that they are the problem not their customers total BS!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received a free credit report from Transunion despite my request. Each time I try to start a dispute online, I am told the website is having technical difficulties. The former is reasonable when its a day but two months? Also, there are two accounts paid in full that show collection derogatory. I can not file a dispute because the website does not permit. When I call, the wait times are unreasonable. Also, when I try to file a dispute it requires consent to contact creditor and informs me my dispute may cause them to discover additional information. They was the consent request is written the intent is to i consumers from filing a disputewhich they can not on the website because they are having technical difficulties for months now. 

It would not be a big deal if they updated my report more than twice. But, its hindering me because we are trying to buy a house.
Product: Debt collection

I am writing to dispute and request the immediate removal of fraudulent account from my credit report, as required by law. Upon contacting the bank, I talked to someone within the company to confirm the documents had been received and they informed me that they never receive documents from the CFPB. 
The following fraudulent accounts must be removed immediately : XXXX XXXX XXXX XXXX
Product: Debt collection

A company called Allied Account Services , INC, located at XXXX XXXX XXXX, XXXX, NY XXXX. Report to XXXX and XXXX some collection charge from XXXX XXXX XXXX. I filed a dispute with the credit bureau because I have no idea who this collection agency is. They sent me a report showing me owing XXXX XXXX for dates I never lived at the property they listed. I bought a house and closed on my house XX/XX/2022, and moved in XX/XX/2022. I called the utility company and asked them to transfer the electricity to my new home which they did. I don't know why they didn't disconnect the other service. 
I called Allied Account Services Inc. several times at the following number no one ever answers the phone, in fact there are no greetings letting the consumer know that they are calling the correct company, just a recorder saying, " leave a message. '' Very unprofessional.
Product: Credit reporting or other personal consumer reports

To my shock, I found inaccurate accounts on my credit report this morning, and I have no clue how they got there. When I checked my credit report as usual, discrepancies appeared out of nowhere. I tried refreshing my browser, hoping it was just a glitch, but the errors remained. I am now asking for a thorough review of the documents I've submitted so I can stop worrying about this issue.
Product: Debt collection

I had 2 charges on my cash app card and both merchants I received no service from of product from XXXX requested to cancel both transaction to the merchant and o had forwarded that to cash app but cash app referring it as a unauthorized I never said it was unauthorized I said I never received order or service from both merchant and cash doesnt have the evidence to support their denial of my claim
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX I have disputed accounts with Experian, XXXX  and XXXX. Accounts XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX have reported on my credit report. I have requested documentation from all companies listed above including all credit agencies. 

What was requested : Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : XXXX has never responded but credit agencies reposed as validated and never supplied proof which was requested. 

XXXX is now being sued by me in regards HIPPA violation and still reporting as valid with no proof from credit agencies. 

XXXX and XXXX never responded to the original letter and should have been removed after 30 days of no response. Credit agencies still report as vaild without validation. 

XXXX XXXX  has not been validated there has never been any business conducted with myself or this company and has not been validated but still reported as valid. 

The credit reporting agencies have ignored my request and have not supplied any supporting documentation that these accounts are valid.
Product: Credit card or prepaid card

On XXXX XXXX 2019, I discovered that my AMEX / Bluebird card was hacked for 2 unauthorized transactions totaling {$200.00}. I also received an alert from Bluebird that the same company ( XXXX ) or XXXX XXXX XXXX I couldn't get anyone to cooperate and explain how they blocked 1 unauthorized attempt for {$1500.00} but allowed the same company to hack my account for {$200.00}. I requested 2 dispute resolutions and also requested Bluebird to email a declaration of fraud and they refused. 3 out of the 7 calls I requested a manager / supervisor and after being on hold for 20 minutes I am transferred to someone and phone disconnects. American Express Bluebird is guilty of fiduciary negligence / breach of security and allowing my SSDI direct deposit funds to be hacked. As a  XXXX person I demanded a provisional credit until funds are back in my account and that was denied. This is second time within 6 months that my account has been hacked and I will be shutting this card down and consider taking legal action against AMEX / Bluebird. Complaint also sent to FBI IC3.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.