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

I am requesting and I would like to submit my CFPB Complaint regarding these fraudulent items on my report that are still inaccurate. I had submitted already my complaint on my previous letter but still there was no further actions. I want some investigations regarding to this matter. I need the following items be remove on my credit file immediately : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX XXXX XXXX XXXXXXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX it was reported that an late payment occurred on my XXXX XXXX account from XX/XX/XXXX. I called XXXX XXXX  and was advised to reach out to all three ( 3 ) credit bureaus Transunion, XXXX and XXXX. After reaching out to the credit bureaus, asking them to investigate I would only receive auto generated response stating my account was updated. No investigation was performed, no validation of my account being past due NOTHING. Just auto generated response. Attached is my bank statement, reflecting payment being made through XXXX XXXX on XX/XX/XXXX in the amount of {$430.00}. My due date was the XXXX of each month occurring late charges after the XXXX. Account past 30 days would be AFTER the XXXX of the following month. My payment was submitted On time with XXXX XXXX through their 3rd party collection by phone on the XX/XX/XXXX. Please see my attached bank statement.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws. and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit card or prepaid card

On XX/XX/2020, I received my credit card statement from period XX/XX/2020-XX/XX/2020, with charges from various retail stores that were charged on my credit card. The charges were from XXXX for {$840.00}, XXXX {$31.00}, XXXX # XXXX for three charges {$150.00}, {$37.00}, {$200.00}. The third charge was XXXX store for {$930.00}. 

At that same time I received text from my bank that there was a suspicious charge from XXXX  on XX/XX/2020 for {$640.00} which was removed by the fraud department after a urgent call from me. 

I called the fraud department and they notified me to go to my branch in XXXX XXXX, this was at the same time there was looting and the unrest going on in XXXX XXXX Area, which caused me to stay away from any retail stores and stay home for long periods of time due to Covid-19 outbreak due to high risk age group. 

After a few day I went to Bank of the West as per fraud department, filled out a dispute form and send it out to the Bank of The West fraud department. After five days I received a response that charges were in fact unauthorized and were removed. 

Furthermore, I checked my credit card and the charges were added back on my card. I called Bank of the West fraud department, the supervisor name XXXX, I asked her why the charges as back on my credit card. She said I was physically present when those charges were made and the dispute was not in my favor therefore the charges remain on the credit card. 

I was notified to file a police report on XX/XX/2020, but nothing has changed from the original decision from the bank. 

Currently, I continue to receive statements from Bank of the West with Fraudulent charges that we not mine. There is lack of communication from the bank when I tried to reach out to them. This has caused me a lot of distress, sleepless  nights and XXXX.
Product: Credit card

I reported my card stolen in XX/XX/XXXX there was fraud activity on my account, the and investigations was concluded and found there was100 % fraud. 
I was refunded the money back. 

However on XX/XX/XXXX I was recharged the charges I initially disputed though the fraud investigation. 
I have not been given a reason as to why the charges were recharged back into my account. 
On XX/XX/XXXX a fraud manager manager by the name of XXXX clafiried to me. 
That the investigation was over, and capitol one credit card make errors and caused confusion to the client and distress. 

I have been humiliated by capitol one staff, they have treated me rudeness and disrespect. 
I was told the money would be credit it back into my account and it never did.
Product: Credit card or prepaid card

I made a complaint to Citibank about unauthorized transactions using my card information ( XX/XX/XXXX ). The original complaint included the amount of times I had contacted the company about the unauthorized transactions ( 12 times ) and nothing was done. On XX/XX/XXXX I received a letter from Citibank and the complaint had not been fully resolved in my favor due to the representative leaving important details out. Citibank had declined my request to credit me for the 8 unauthorized charges from XXXX XXXX XXXX totaling {$230.00} because it was from the same mobile wallet used in previous transactions. I had told the representative that during that time I had lost my phone as well as my wallet while I was out. I don't know if the representative heard me but had left out important details about my phone being stolen causing my mobile wallet to be at risk. I managed to call every other card company to fix my issues but Citibank was the only company giving me a hard time. I had not attended any event at XXXX XXXX during that time. I recently have gotten a new phone as my old phone is either lost or stolen. I did not authorize ANY purchases using any phone during that time. As I mentioned in my previous complained I called Citibank to fix this issue and nothing was done for almost an entire month. I do not want to pay for ANY of these unauthorized transactions. 

XX/XX/XXXX {$52.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$23.00} XX/XX/XXXX {$23.00} XX/XX/XXXX {$54.00} XX/XX/XXXX {$15.00} XX/XX/XXXX {$20.00} XX/XX/XXXX {$24.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing a copy of my updated Credit Report last XX/XX/XXXX, I realized that there were inaccuracies being reported on my file. When I further investigated my credit report, I realized that some of the information are erroneous. The last complaint I submitted was XX/XX/XXXX requesting Experian to correct these items. The 3 credit bureaus are required to authenticate these accounts under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX  XXXX Late Date : XX/XX/XXXX, XXXX XXXXLate Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern This shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance
Product: Debt collection

The same person has been calling my phone every weekday morning for the past month or so and leaving a recorded voicemail message. They say they are Diversified Adjustment Services and I am to return the call by calling them at their number XXXX XXXX XXXX XXXX and give my reference number XXXX. 

I have no debts, never had debts and no collection agency should be looking for me. This must be a scam. Theirincessant calling is a bother. My number has been on the Do Not Call List for a long time.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION HAS FAILED TO PROPERLY INVESTIGATE MY DISPUTE IN REGARDS TO THE PUBLIC RECORD ON MY TRANSUNION CONSUMER FILE THEY CONTINUE TO MISLEAD AND VIOLATE MY FCRA RIGHTS .. CASE NUMBER # XXXX WAS WITHDRAWN BY THE UNITED STATES BANKRUPTCY XXXX XXXX IVE FILED NUMEROUS DISPUTES, AND THEY ARE OVERLOOKED IVE EVEN CONTACTED TRANSUNION 'S 3RD PARTY VENDORS, XXXX AND XXXX... AND YET TRANSUNION VIOLATES MY RIGHTS AND GIVES ATTORNEY GENERAL MISLEADING INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my XXXX credit report shows 11 hard inquires and an additional 8 inquires on XX/XX/XXXX. At that time, I agreed to co-sign on a vehicle but had NO IDEA, my credit would be checked 19 times!! 

A list of the credit unions include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I realize that these are inquiries and have not significantly affected my credit SCORE but I was just denied for a travel benefit credit card due to this number of inquiries. I would sincerely appreciate if something could be done to have these removed.
Product: Debt collection

I was an XXXX  from XXXX I have no knowledge of this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. 
XXXXXXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX   XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX Account # XXXX and XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy.

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

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

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX APT XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$1200.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX. XXXX XXXX XXXX XXXX ACCT # XXXX, has violated my rights. 

XXXX. XXXX XXXX / ACCT # XXXX, has violated my rights. 

XXXX. XXXXXXXX XXXX  / ACCT # XXXX, has violated my rights. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX / ACCT # XXXX, has violated my rights. 

XXXX. XXXX XXXX XXXX / ACCT # XXXX, has violated my rights. 

XXXX. XXXX XXXX XXXX / ACCT # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Have Removed the XXXX  off my Consumer Report as of XX/XX/year> and Experian and XXXX have not removed the XXXX  off my report as it a violation of Rights and Privacy according to USC 1681 Section 602A Please Remove XXXX  off Credt Report
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ) by failing to verify these accounts, 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. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX  XXXX XXXX  XXXX
Product: Credit card or prepaid card

Overall, i had 4 accounts compromised. XXXX, XXXX mail ( my email : XXXX ), my credit card on Chase XXXX, and a attempted login on my gmail ( XXXX ) and XXXX fraudulently account made on XXXX. I had 3 large unauthorized / Fraud purchases made on my credit card on XX/XX/XXXX on a compromised XXXX account of mine. I have filed a dispute with Chase XXXX, however, they are telling me that the fraud department will reach out to me, they have called XXXX time and unfortunately missed the call and they have not called me back despite requesting multiple call backs. Additionally, they sent us the justification and compelling evidence on why they are closing the dispute but the reports are not readable. I can not legally confirm anything they have sent because the proper written documentation Chase XXXX has sent over is not legible. I requested for the case to remain open until we can properly investigate, but Chase XXXX has decided to close the case despite not providing proper written documentation. 

I repeatable told XXXX XXXX Chase ( XXXX ) that they could not legally close this close since they had not provided legible information and requested more copies however he said they are closing the case and they did not find the phone call and information productive. Chase is operating illegally and mismanaging me with my fraud case.
Product: Debt collection

Debt collectors are reporting fradulent information on consumers, and do not want to verify the Debt. I have asked for the debt to be verified on several occasions. The most resent request was made on the dates of XXXX and XXXX, which the creditor bureaus can also attest to. Debt collector refused to verify the debt belonged to me. I have also fell victim to data breach with several agencies and major agencies like XXXX, XXXX. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt indicated owed. VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA
Product: Credit reporting or other personal consumer reports

I noted a lower credit score before I applied for a business loan. I investigated and found that info on several late notices from XXXX  XXXX XXXX XXXX did not seem to be mine. Address was unknown and name unknown. 

I mailed this concern to credit bureaus and XXXX XXXX XXXX has not responded properly nor has the XXXX credit bureaus responded at all. 

I do expect this to be taken off
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute and informed them that was not me. replied back dispute closed
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen back in 2002 as well as my kids I'm still working to remove XXXX accounts in my XXXX old son name. Someone filed 2 tax returns in my name. Also applied for so many credit cards it's been hard to keep up. It's been a stressful journey. Equifax hasn't been making anything easier. There a difficult credit Bureau to get fraudulent items removed. All they keep doing is " verifying '' the information. Even after you've sent them everything possible. Also reaching out to the companies that are reporting the fraud. They are even saying they reach out to get the item deleted but Equifax still doesn't delete the fraudulent items. I currently have a fraudulent XXXX XXXX account that says closed charge off and they have me owing {$2100.00} that account should have been removed years ago as well as a us dept of Education Fraudulent account showing i owe XXXX. XXXX ohio
Product: Credit reporting or other personal consumer reports

Due to changes in Experian 's Credit Freeze lift process over the last XXXX years, I have been unable to temporarily life my credit freeze either by phone or on-line. I wrote a detailed letter to Experian on XX/XX/XXXX, asking for assistance in fixing the problem. After not hearing anything for a month, I wrote a second letter on XX/XX/XXXX, this time to the CEO, asking that the problem be resolved and that I be informed of a satisfactory resolution by mail. Instead, on XX/XX/XXXX, I received a short e-mail informing me that my credit security freeze had been permanently removed " as you requested. '' The email also told " please do not reply to this message. '' This action was NOT what I asked for in either of my letters, and NOT what I want or need. I simply want the Security Freeze I had in place to be re-instated, and that I be able to lift it on a temporary basis, as needed, either by phone or on-line, as was the case as recently as XXXX, the last time I successfully temporarily lifted my Experian Security Freeze. Please note that I have no problems with lifting freezes temporarily with the other two credit reporting bureaus. I would appreciate any assistance you can provide in resolving this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt was removed from my credit report after not being able to validate the debt as per my right to FCRA. Then re added back on there which is a direct violation of my FCRA.
A consumer reporting agency shall provide to a consumer in writing, no later than 5 business days after the date of the reinsertion : ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information, and ; ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
I received no such notification and this is a serious violation of the FCRA. I am requesting that you furnish this information within 15 days. If you do not provide the information requested, you must delete ( this/these ) account ( s ) as required by the FCRA. Please send me a copy of my updated credit report after you have completed this request.
I request that these debts are removed immediately as they do not belong to me.
I contacted the credit bureau and there was no validation provided XXXX from XXXX, XXXX XXXX 2017 at XXXX provide any validation about the debt that is allegedly owed. I am extremely upset that my rights were violated and will attempt to take legal action of necessary. 
==
Product: Credit card or prepaid card

This complaint is a follow up to Complaint Number XXXX that I previously filed against American Express Serve. Immediately after filing the first complaint with the CFPB I received an email by Amex Serve that my dispute was declined. The email states : Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was autfhorized. Therefore the transaction ( s ) is not eligible for credit to your Account.

No explanation was provided. I believe the decision to decline my dispute was to retaliate against me for filing a complaint with the CFPB, and was not made based on any evidence.

I took all the necessary step associated with disputing fraudulent charges : I immediately reported my Serve card as stolen and informed Customer Service the XXXX XXXX transaction for {$79.00} was unauthorized and was made by the suspects who stole my card. 
I filed a police report with XXXXPD. 
I filed a dispute with Serve, and submitted the declaration of fraud in a timely manner. 
I informed Serve that XXXX had video surveillance footage of the suspects making the unauthorized purchase that their investigators could request. 
Yet my dispute was declined without an explanation and no credit was issued for the unauthorized charge to my account, which strongly suggests that Serves decision was retaliatory in its nature.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's 3 unknown addresses on my credit file inwhich are not mine. Please send my attached id for my correct and only address.