23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Capital One is blaming the other bank. I have a {$240.00} charge on my bill from XXXX. Services not rendered. They both refuse to refund me even though Ive sent proof of documents for several months.
Product: Debt collection

Continues to call from different numbers. Continuing to call after several complaints have been made. Called on XX/XX/year> at XXXX from XXXX.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may inc
lude emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act The following inquires 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: Money transfer, virtual currency, or money service

Scam on XXXX. Person hacked account of friend and tried selling a couch. I sent {$210.00} to them through Zelle. Zelle can not do anything and neither can my bank. Person blocked me after the money was sent, and definitely did not send a couch.
Product: Debt collection

This is not a valid bill. The hospital was given my insurance information and they have never contacted the insurance holder of any balances due.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED: 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account # XXXX is fraudulent attached is a ftc report. 

XXXX XXXX services is listed as me being an authorized user I'm not I've never been.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Subject : Request for Investigation and Correction of Inaccurate Late Payments on My Credit Report Dear CFPB, Following your agency 's completion of the investigation as outlined in this complaint, I am writing to request a detailed description of the investigation process used to review the disputed account on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are required to provide a description of the investigation process within XXXX days of receiving a consumers dispute. 

Upon reviewing my credit report, I discovered that my XXXX account reflects inaccurate late payments, despite my consistent record of timely payments. It is imperative that consumer reporting agencies ensure all information is reported with complete accuracy, and I am now requesting that Equifax thoroughly investigate this account and update the entries to reflect on-time payments. 

Discrepancies in Reporting : The credit reporting agencies have inaccurately recorded late payments on this account that do not reflect my actual payment history. The discrepancies are as follows : Equifax : XXXX late payment in XX/XX/2024 XXXX : XXXX late payment in XX/XX/2024 XXXX : XXXX late payment in XX/XX/2024 These entries are incorrect, as I have consistently made all payments on time. 
Legal Basis for Dispute : Under the FCRA ( 15 USC 1666 ( b ) ), I am entitled to the accurate reporting of my account history. The presence of these erroneous late payments misrepresents my creditworthiness, potentially constituting a violation of both the FCRA and the Truth in Lending Act ( TILA ). Additionally, sections 15 U.S.C. 1681i and 1681s-2 of the FCRA mandate that credit reporting agencies and information furnishers correct inaccurate or incomplete information in consumer reports to ensure maximum accuracy.

Requested Action : I request that Equifax perform a comprehensive investigation into this account and promptly remove the inaccurate late payment entries to reflect my correct payment history of XXXX % on-time payments. 

Please confirm the removal of these inaccuracies in writing within 30 days of this complaints submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the corrections within the timeframe mandated by the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Credence XXXX, GA, XXXX called me requesting personal information, like social security, home address, cell phone, when i ak, why ; they told me was for a unpaid bill for att uverse account, i told them, i never owned any account with XXXX, and to please tell me what information, they had on file. they refused to give me any information, they only wanted my social security and other personal information, prior to verifying the info. i off course hang up. 
then i received a letter stating if i did not respond within 30 days, the discput the validity. once i call, again, they need my name, sacial security numbers, i told them i provide the credence reference id :, but once again, they infomred me that i need to provide all information. 
i had my lawyer deal with the problem, but i fell this is illigal tatics in hope to obtaine personal information for them to potentially sell. 
i called att and they told me that the account look like a fictious XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

Personal information is now incorrect after disputing an inaccurate variation of my address and my actual address was deleted as well. Additionally some personal information is missing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was viewing my consumer report and noticed accounts names, inquiries, and addresses that I do not recognize I did not give any person or company permission to furnish anything on my consumer report. These companies are in direct violation of the fcra and the fdcpa according to 15 usc 1681 ( b ) ( 2 ) these companies need my permission to furnish my personal information on my consumer report which they do not have. They also violated my right to privacy according to 15 usc 1681 ( a ) ( 4 ) These companies know the law and they are blatantly disregarding federal law while knowing and understanding 15 usc 1611. I demand these companies removed all disputed and inaccurate information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not updated my credit card balance since XX/XX/2018 and the lack of them doing so is holding my credit score down unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX  XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Any automated responses or E-Oscar verification is unacceptable. 

Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant and can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. You have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after.
Product: Credit card or prepaid card

This issue goes back to   XXXX    2016. My  credit card was compromised and I contacted  Syncrony B ank who is the acting agen t for Walmart Corp. Sinc e the initial problem they have re-issued my credit card 3 times and issued credits. I have fraudulent charges every month, have to call them, get credits and complain about their out dated system that does not allow consumers to be alerted of any charges that does not have the physical card present. Funny that  XXXX   XXXX  and  XXXX  have  21st ce ntury technology that does allow such notification. Further the charges re-occuring every month is for  XXXX  with the charges occuring in  New York  even though I live i n South Carolina and never been to New York. Since this mess has started and after reading   about numerous complaints against Syncrony I have quit using the card but they are so stupid that i can not stop all charges withou freezing my account completely but that stop me also from logging into see if I am getting further charges the will not alert me about or even pay my bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXsee attached Notice of Warning For Any Delay In Processing by Credit Bureaus To whom it may concern. 


I am aware of your attempts to delay the processing of any consumer disputes and challenges based on your belief that some consumers are working with a third-party such as a credit repair company. Your delay is illegal, as it is the right of all consumers to work with such a company if they so choose, and you have no legal basis for delaying the processing of those letters. 


However, let me make it clear that my letters using were created using applicable software and regulations available to ALL consumers, and that this is your notice that any delay in the processing of my letters is a violation of 15 U.S. Code 5 1681i, which sets forth the procedure in which a Consumer Reporting Agency must investigate a consumer 's reasonable dispute, and lists out the exceptions, and will be considered willful disregard of my rights as a consumer and will be forwarded to my attorney for litigation purposes. There is no such exception that would legally allow you to delay the processing of a consumer 's letters to you based on an unfounded assumption that assistance from a third party may exist. 


Please be advised that any and all letters you receive bearing my name have either been prepared by me or by my advisors on my behalf with my full knowledge and consent. Also be advised that I am aware that no statute in the FCRA suggests that a Power of Attorney must be provided to you, or that without said XXXX of Attorney documentation you are allowed to delay the processing of a consumer 's letters to you. 


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

I'm writing to report that Equifax has continued to allow fraud on my credit report. I asked them to remove the creditor, XXXX, in the amount of {$72.00}. I do not know of this creditor. I do not have knowledge of this creditor. I have had no dealings with this creditor. This does not belong to me. This is a fraudulent account. It is fraud. The address is also incorrect. I reported the fraud to Equifax and they still have not removed. I have no other collections on my credit report, except for that {$72.00}. And no other credit agency I reporting this in my report. I am requesting that Equifax please remove this creditor and amount from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally contest the inclusion of a fraudulent account in my Equifax credit report. Despite submitting a dispute letters and the required documentation to the Federal Trade Commission ( FTC ), as per your guidelines, this account persist on my Equifax report. After uncovering this fraudulent account, I contacted the relevant company, which acknowledged its fraudulent nature and assured me of its removal from their records. Subsequently, XXXX and XXXX have both expunged this account from their records after verifying its fraudulent status. I am puzzled as to why Equifax continues to report this fraudulent account, especially since the other credit bureaus have already removed them. I have completed all necessary steps and furnished all relevant documentation to substantiate my claim of identity theft. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Debt collection

Pay O Matic cashed a check that was payable to XXXX XXXX. Pay O Matic alleges the maker of the check put a stop payment to the check. I have requested tangible proof from Pay O Matic but I keep receiving threatning phone calls from an employee name XXXX. I have received an average of six phone calls a day and also various voicemail messages from this employee. He claims he will sue me for the money.
Product: Money transfer, virtual currency, or money service

1 am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer 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 resolution procer was 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 ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer 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 resolution process was 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: Checking or savings account

I had a Capital One 360 checking account ( XXXX ). I had made purchases with my debit card associated with that account that I did not receive, canceled, and returned to my local sunglass store. I had contacted the payment protection department of my bank as I had used XXXXXXXX XXXX and XXXX  as XXXX party payors for my items. When I contacted the merchants ( XXXX, XXXX XXXX, XXXX ) to advise that I was canceling my orders ( XXXX order, I never received nor received tracking information ), XXXX confirmed with me that my orders was canceled and that they would contact XXXX and XXXX  to arrange refunds of my payments back to my checking account. I contacted XXXX to advise that I returned the wallet that I had ordered and they told me that they would refund XXXX, who would then refund me for my payments. This did not occur. For XXXX XXXX, I actually returned the sunglasses to my local store and they refunded my acccordingly. I contacted my bank and they gave me provisional credits on my account while their back office did their " investigating. '' I was advised that it would take a few weeks. 

I received emails from Capital One 360 that " due to their internal investigation and policies '' that they were going to reopen my closed checking account and reverse out all of the credits and interest that they originally credited me. I contacted their offices numerous times based on emails requesting information that I had already provided several times and was assured for a supervisor that I was in the right and " not to worry '' Needless to say, I now have a negative balance of over {$610.00} and change and none of the merchandise that I had originally bought as I either canceled the orders and supplied email conversations with the merchant confirming the cancelation and also the original postage receipt of sending back my watch as it did not fit me correctly. 

I repeatedly told the payment protection representative that their back office had to contact the XXXX party payer to get their refunds, but they refused, they want me to pay it back instead. i will NOT pay for merchandise that I do not have. I have done my due dillegence in getting them the confirmation of conversations with the merchants and with the XXXX party payers. The way that my cases were handled were incompetent at best. I shouldn't have to take time out of my workday to contact the bank and defend myself. I want this negative balance taken off of my account and my account closed as it had be closed due to being compromised by fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask the credit bureaus to do a verification of everything on my credit report and they said that they did a thorough investigation and everything on my report was accurate. I also did a thorough investigation for myself and found a lot of inconsistencies and inaccuracies on my credit report even after they did the thorough research. 

In accordance with the Fair Reporting Act the following XXXX accounts has violated my rights XXXX XXXX - acct # XXXX is showing wrong balance and inconsistent date last active XXXX - acct # XXXX is showing open but account is charged off and should be reporting a XXXX balance i thought. 
XXXX XXXX XXXX - acct # XXXX is also reporting inaccurate date last active XXXX XXXX XXXX XXXX - acct # XXXX is also reporting inaccurate date last active XXXX XXXX  XXXX - acct # XXXX is also reporting inaccurate date last active XXXX XXXX XXXX XXXX acct # XXXX is also reporting inaccurate date last active XXXX XXXXXXXX - acct # XXXX is also reporting inaccurate date last active XXXX XXXX  XXXX -acct # XXXX is reporting open and closed on my report and also is reporting inaccurate date last active. {$2000.00} XXXX XXXX XXXX- acct # XXXX is reporting inaccurate date last active {$500.00} XXXX- acct # XXXX is reporting innacurate date last active. 
Dept Of Ed/XXXX XXXX is reporting innacurate date last active. and is reporting as duplicate accounts 15 U.S.C 1681 section 602 A States that I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information not correct please be provide info and remove from my credit.XXXX XXXX for XXXX and XXXX, XXXX XXXX forXXXX and XXXX XXXX XXXX for XXXX $
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX  XXXX , CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$370000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital send some advertising that saying that I can get approved and when I apply they rejected
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, I have provided proof of such to all 3 credit reporting agencies as well as XXXX XXXX. At on point I had three different collection agencies all trying to collect the same debt for XXXX XXXX, and its not even mine!! This account was removed from my credit once but is now back on it!! I have taken every step required of me to settle this yet it still keeps popping back up! What AM i SUPPOSED TO DO? This keeps reapperaing and doing damage to my credit that I'm trying to rebuild after the ID theft. Please help!