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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) 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. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX OF XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXXXXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX & XXXXXXXX XXXX XXXX of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stolen and fraudulently used without my knowledge or authorization to open accounts. The following accounts where not opened by me. These accounts are a result of my identity being stolen. 
XXXX  XXXX  Date Opened XX/XX/XXXX Bal {$1000.00} XXXX XXXX  Date Opened XX/XX/XXXX Bal {$0.00}.
Product: Credit card or prepaid card

I had a Citi credit card affiliated with Costco. I opened a credit account to get a promotional 3yr warranty on an XXXX product. When the card arrived it was a duel Costco membership/citi card, I never actually activated the citi card aspect of the card. This was due to previous issues I had with Citi bank. I closed the card over a year ago when Costco used the account without my permission to renew my Costco Membership. Because it is also my Costco membership card I have been using it to get into the warehouse, to get scanned for my membership and to get access the gas pumps.The gas pumps have a new bump feature that I was not familiar with and when I out the membership/citi card next to it, the card was declined as the citi account is not active. I had to insert the card and wait for a prompt to insert a card I could use for payment. A week or two later I went to a Costco store to return approx XXXX dollars worth of products ( The correct amount should be on file with Citi XXXX, the gentleman doing the return did not ask which card I used and just bumped the XXXX XXXX/citi card against a bump pad he had, the return was accepted and applied to the CLOSED account!! The store was not able to retrieve the money and had to call Citi bank, who in turn requested to speak with me. I do not have an account with Citi so I did not understand this request. Then they proceeded to ask me for a password associated with the account .... I told them I do NOT have an account with you ... how can I give you a password? I was told by both parties that a check would be sent in 36-48 hrs. It has been 5 days and I still have yet to receive a check for the stolen funds. Costco, however, has retained the products I was trying to return while reporting to me this happens all the time ... This should not be happening at all ....
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
Product: Checking or savings account

3 checks were fraudulently deposited by mobile deposit to my account and cashed against my positive balance. They bounced and then I was charged for the balance. I have identity monitoring on my account and the bank never once notified me of these transactions thief even called the bank asking about the funds and bank teller gave out my account information to the wrong person who claimed to be me then proceeded to steal all funds from my account and all linked accounts and credit cards were all over limits before I was able to get in touch with bank to notify them of the fraudulent activity they were supposed to have been stopping in action. I was charged all fees incurred and my account was closed
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with the credit bureau all 3, XXXX, XXXX and Transunion and the collection agency ( XXXX XXXX XXXX ) on XX/XX/18 with an account that I have no knowledge of this account or the amount owed of {$610.00}, where is this amount coming from? Dispute came back as verified on XX/XX/XXXX but yet I have no proof of how this account was verified and no information was provided that the account even belongs to me. What was the method of verification used? I have no contract or anything that this account belongs to me or much less that I owe them {$610.00}. This collection is hurting my creditworthiness.
Product: Credit card or prepaid card

Skylighbank one was given to me from my employer to use for my direct XXXX XX/XX/2023 XXXX was taken out my account at a atm 4 hours away XXXX XXXX XXXXXXXX XXXX XXXX  nj from me. I called the company skylightbank and made a complaint and got a police report.the skylight bank said they were going to do an investigation. I never use atms except twice a month. At the same location around the same dates every month.
Product: Debt collection

I am being charge from convergent outrsourcing in the total of {$2500.00}. I have a fraud alert on my report and a police report on file
Product: Checking or savings account

This is a letter to ING after multiple attempts via phone. 

Office of the President Capital One XXXX Capital One XXXX XXXXXXXX XXXX XXXX Dear Office of the President of ING/Capital One : I am writing this letter because I have made many attempts to try and resolve an error that happened starting in XXXX XXXX XXXX XXXX XXXX 

My account for direct deposit was entered in my employer database and was off by XXXX digit. My account for direct deposit was initiated by XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ING XXXX XXXX interest savings. The account was being used as a XXXX savings account. Something I have done in the past. 

my recent phone call on XX/XX/XXXX I phoned ING/Capital One and spoke with XXXX XXXX XXXX XXXX XXXX and I asked XXXX do I get my money that was transferred over 20+ times from XXXX XXXX XXXX 

Per Capital One they had requested the tracking number that XXXX XXXX XXXX my employer utilizes and I have provided information that ING/Capital One requested and still have no resolution? By paper or email. 

The deposits, I made were on the following dates in the following amount of {XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The caller stated that he would give me his supervisor, XXXX XXXX XXXX XXXX XXXX ( who never even confirmed my information if I didnt ask if she had the information ) as an escalated call and she stated that I should submit information again. Really? The claims were denied and I requested emails and paper letter of this information and have received no communication from anyone at Capital One. Nothing. 

I stated, I want to speak with someone, this was not going to happen and I was also told give my information in writing to : Office of the President, Capital One XXXX Capital One XXXX XXXX XXXX XXXX 






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

Greetings to all and I pray that all is well during these trying times. I've had an issue with multiple accounts appearing on my credit report that was not authorized to be open by me. The account was opened XX/XX/XXXX for {$270.00}, XX/XX/XXXX for {$2500.00}, XX/XX/XXXX for {$6600.00}, XX/XX/XXXX for {$2400.00}, Collections XX/XX/XXXX for {$67.00}. I reached out to XXXX, XXXX, and Transunion in order for them to please delete/remove this item from my credit report. I have previously been a victim of identity theft and since then there have been unauthorized inquiries and accounts to appear on my credit report periodically. I provided an affidavit and a police report to XXXX, XXXX, and Transunion explaining my situation and they have failed to comply with federal rules and regulations. Times are very hard on my family and me. I am asking for some help in just removing these accounts from my credit report so that I may continue to provide for my family during this COVID-19 pandemic. I am in process of relocating my family and this account being on my credit report is causing grave grief and anguish.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian on XX/XX/2020, and the investigation results were available on XX/XX/2020. I called to get more information, such as the method of verification. that was used to complete the investigation. I was told at that time, the bankruptcy was verified by the United States Bankruptcy Court, and was advised to reach out to them if I needed any further information. 

I emailed and sent a letter to the United States Bankruptcy court, on the advice of the Experian representative. I received an email response a few days later, and I also received a letter stating, " the United States Bankruptcy Court does not provide information to credit reporting agencies. '' I then called Experian again, and spoke with a representative in their Disputes Department. I first asked, what was the method of verification used? She replied, the bankruptcy court, and a third party. I then asked, who was the third party? She refused to disclose the information to, a referred me to the bankruptcy court several times, as she was rude during the entire conversation.
Product: Checking or savings account

So according to Citibank, my funds are fraudulent and they are going to keep my {$1600.00} until they can verify where the funds came from. I work with XXXX as a reseller and I do trade ins which in return XXXX gives me direct credit back to my choice of payment. Citibank has seen a large amount of incoming credit from XXXX and decided to close my account. Originally, I was supposed to receive a check in the mail with my funds, but now, the fraud department has stepped in and decided that I am not going to receive my money. I dont know who these people think they are or what right they have to keep MY money. I am deciding to submit a complaint in hopes to retrieve my STOLEN funds. 

I can also see that there has been a withdrawal made on my final statement which I did not make. I am suspicious of Citibank stealing my funds directly.
Product: Debt collection

Jefferson Capital Systems is reporting a debt to the credit bureau that is not mine. I have asked for debt validation which has not been received.
Product: Credit card

I have an American Express platinum card before. I got XXXX sign-up bonus points after I spent {$3000.00} within the first three months, as they advertised. Then I linked this card with another Amex card so the points were transferred there. Later on I cancel this platinum card. About two months after the cancellation they figured out I cancel the card, then they took away that XXXX points from my other account. There is nowhere says I can not cancel my card. I contacted them to resolve this issue a lot of times but they were just making up all kinds of excuse to deny me and none of them are reasonable. They are just a bunch of robbers! Beware of them everyone.
Product: Mortgage

Mortgage company to shell point mortgage in the last two months they raised our payment which is a XXXX fixed. From XXXX to XXXX. All they do is is call and want my payment and canr tell me what this amazing outrageous new payment of XXXX is for all they tell me is escrow with no explanation. There are other issues it is a mess please help XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous time ands reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Credit reporting or other personal consumer reports

I applied for a loan with self. XXXX XXXX once approved and I made my monthly payments. I then was offered a credit card. Which the credit limit on the credit card was deducted from monthly payments made towards the loan, however, I paid the whole loan off a whole year early. Once I did that they canceled the credit card. I was only able to use the credit card if I applied for another loan Which I did not
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my credit report at the end of XX/XX/XXXX. I saw that Navy Federal Credit Union reported me late one time in the month of XX/XX/XXXX. Immediately I thought there has to be a mistake. One reason is that I have auto pay and I was on short-term XXXX during this time and informed the Credit Card Company of my situation. I have three letters from the bank stating they can not help me and they do not make goodwill adjustments which is fine. What is not fine is that Navy Federal is in error because that one late payment should not be on my report. I proceeded to send an email to XXXX where I received a phone call from a representative stating they received all 10 of my emails and they have determined they can not remove my late payment from the credit bureaus. I asked the rep to explain to me how they investigated my autopay, the fact that I notified them that I was on short-term XXXX from XXXX XXXX XXXX XXXX ; how did they do a proper investigation and he stated they did not investigate my autopay. That is absurd!!!!!!!! I want my late payment removed from all three credit bureaus due to an error on Navy Federals Part. Furthermore, doesn't Navy Federal offer services for when their cardmembers are not working. Why give me a late payment during the time I was on XXXX. I have sent many letters to the credit bureau, to navy federal, and I have emailed my short-term XXXX papers to Navy Federal. Please help.
Product: Credit reporting or other personal consumer reports

Please review the information attached below concerning the Equifax data breach
Product: Credit card

Citi Bank recently closed my credit card account. In doing so, they took XXXX " Thank You Points '' worth approximately {$1300.00}. I have been a Citi Credit Card holder for over 10 years and I have never had a late payment or missed payment. I have an excellent credit rating.They gave me no warning that they were going to close my credit account or take my points. After closing my account, I contacted Citi Bank and they told me they could close my account and take my points at any time for any reason. They will not give me a reason for doing this. I want my points back. They tell the customers that they " earn '' Thank You points through purchases. Since I earned the points, how can they take them for no reason? I suspect this practice by Citi Bank has been used on several unsuspecting customers who have accrued several Thank You Points. Perhaps a Class Action Law Suit is needed. I see no reason for them closing my account other than to simply take my Thank You Points which I had earned.
Product: Debt collection

CENTRAL FINL CONTROL ACCOUNT NUMBER : XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CENTRAL FINL CONTROLor any company associate with this account # XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CENTRAL FINL CONTROL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX, FL XXXX
Product: Debt collection

I received a negative report on credit report from this 3rd party collection agency Ive never done business with this company or never gave them my personal information I believe this company is illegally using my information and breakig the laws under 15 USc 1601
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA (Fair Credit Report Act) I requested the company to prove I signed a loan with them and there is no signature and the address is incorrect on the form as I never lived in Florida. This information is wrong and I would like both accounts removed from my credit file.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX