23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX two separate unauthorized, fraudulent transactions were charged to my " XXXX XXXX '' Visa DEBIT Card. The transactions were used at XXXX XXXX. I contacted the Card Issuer immediately upon learning about the transaction and had the card closed and re-issue a new card. First ( 1st ) transaction was for {$190.00} -XXXX XXXX and the 2nd transactions was for {$240.00} -XXXX XXXX . I  reached out immediately to the merchant as well ( XXXX XXXX ) to let them know my card was fraudulently used and contact authorities the card is being fraudulently used. Upon checking, XXXX XXXX Representatives could not tell me who used the card nor could they verify that the card was even used in their system. At first contact with XXXX XXXX, I was told their dispute process is " 40-60 days! '' Its been both, a very frustrating process and experience dealing with this company, XXXX XXXX aka XXXX XXXX XXXX. They kept on giving me the runaround, for several weeks from XX/XX/XXXX through XX/XX/XXXX. I had to encounter rude, lackadaisical representatives at XXXX XXXX aka XXXX XXXX XXXX and long delays getting any information regarding the 2 fraudulent transactions on my debit card. Then they waited to send me a letter mysteriously dated XX/XX/XXXX. But it somehow verified and postmarked by " XXXX XXXX '' on XX/XX/XXXX, that my claim has been denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : Account Name : XXXX ( Original Creditor : XXXXXXXX XXXX ) Account Number : 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 an account without my written instructions.
Product: Credit card

For the past two weeks I have received repeated emails from Capital One informing me that access to my " on line is locked for too may attempts to log in ''. I have called Capitol One, and have spent far too long on the phone to communicate/explain that I do not use my account for on line payments or for banking. I have asked for my account to be closed, which, at this point the agent panics, and forwards my call to a fraud management process that makes it impossible to get an answer on where, whom, and how someone was trying to access my account. The agents insist repeatedly that it is me trying to login in with the wrong password, and I repeat over and over again to the several customer reps that I have NOT tried to log in! It is a vicious circle that leaves me feeling helpless, and unable to have control of the security of my finances. 

( 1 ) The XXXX notice was received on XX/XX/XXXX notifying me that my on line access to Capital One 360 Banking account was locked for too may attempts to log in. I do not have such an account!, nor did I try to log in! I contacted them on XXXX/XXXX/XXXX to ask what was going on, and after XXXX hour on the phone they said it was a mistake! It is clear that someone was trying tool in to an account in my name, and they Capital One has no idea how to deal with the situation! 

( 2 ) The XXXX notice on XX/XX/XXXX informed me that my credit card account was locked for too may attempts to login on line. I was on vacation, did not try to access my account on line ( never do ). Called on ( XXXX ) to try to fix the situation, and was sent into another endless parade of customer service agents whom have no idea of what they are doing or what they are taking about. 

Seeking CFPB 's assistance in making Captiol One fix what is wrong, and find a better way to communicate with customers ... ... especially using agents that are american, and are not reading from a prepared script. 

I plan to close the account, but still want answers form the head of Capital One as to what was happening with my account. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries : XXXX XXXX ( Bank ) XX/XX/XXXX I've written to the company and explained how these inquiries were unauthorized, they are fraud. 


XXXX ( Bank ) XX/XX/XXXX I've written to the company and explained how these inquiries were unauthorized, they are fraud. 


-XXXX  ( XXXX XXXX XXXX XXXX. ) XX/XX/XXXX I've written to the company and explained how these inquiries were unauthorized, they are fraud. 


-Truist Bank ( Bank ) XX/XX/XXXX I've written to the company and explained how these inquiries were unauthorized, they are fraud.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company without authorization used my personal identifying information to apply for goods services or Money and was successful in creating and some accounts. All is being investigated by the FTC
Product: Credit reporting or other personal consumer reports

While reviewing my credit report- I noticed that there were accounts opened under my name that I did not authorize. It is unlawful to be punished for acts that one did not commit. Since last XX/XX/XXXX I have been sending letters up to all three bureaus discussing the issue that I am facing and nothing has been done. This has prevented me from obtaining a vehicle and building my credit score as effectively as I would like.. I did not authorize the following accounts/inquiries and I would like them to be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 also have a vehicle that was 86 % paid off that I owe {$1600.00} on that I could not continue to pay on due to the condition of the vehicle. The vehicle has not ran since XX/XX/XXXX, yet I was still making payments on it and renting a vehicle. I would like some assistance on those late payments being removed from my report as my car has not been in drivable conditions. I also sent letters up to all three bureaus discussing this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to obtain a mortgage and I was informed of an account that is shown as charged and closed with an outstanding balance. I immediately called HSBC regarding this and I was informed by them that I am not authorized to speak to them because I am only and authorized user on the account and not the account holder. When the account holder called and asked that something in writing be sent to me to show I am not responsible for the payments, she was then informed that nothing can be sent with my name on it because I am again " just an authorized user '' HSBC has messed with my credit regarding this account and had done nothing to help fix it. It was never even reported to my credit report that the account has been paid off. I asked to speak to a manager regarding this on going issue and was told he was not available and left my number for them to call and never received call back. This has taken place over multiple days within the last few weeks. The last call that was made to HSBC wad on XX/XX/2019 and I believe another call was also made in XX/XX/2019. I believe there was also another called made but do not recall the date. The only thing this company has done is send a letter to ny mother who is the account holder saying the balance is XXXX however there's nothing on it to show I am not responsible for the payments but it is still reflecting on my credit report. The company said they would bullseye it however I see no reflection of this. The company has made me liable for this and it has now injured me!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft wit hin four business days. To following information on my credit report is the result of identity theft and shoul d be blocked  : Accounts : XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Inquiry Names : XXXX XXXX - XX/XX/XXXX XXXX - Card Services - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX I have contact Equifax numerous of times about the above unknow inquires on my credit report and to provided me written documentation or proof that I have indeed applied for these account above. Equifax continues to updated my account as verified.
Product: Debt collection

I have been contacted numerous times over the last 2 years by Diversified Consultants. I sent multiple letters and verbally asked them not to contact me anymore unless they mailed me a breakdown of the detailed charges. Kept getting phone calls, in XX/XX/2018 I sent a certified letter asking not to contact me/3rd parties, etc. and again requested details of charges. The only thing I received is a letter with XXXX XXXX XXXX letterhead my name and an address.I again started receiving calls XX/XX/XXXX/XX/XX/2018 requesting I make payments. I had to state again about certified letter asking not to call or I will take necessary steps to end contact. Some creditors have removed charges, but they keep reporting them back to other creditors.
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. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name:XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number : # XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

My deceased ex boyfriend opened a XXXX account in my name in XXXX TN in XXXX I had no knowledge of this account till XXXX. I talked to XXXX and they cleaned the account on their end but Jefferson capital is still trying to collect on this account and the lady I talked to was very rude and told me its my own fault I didnt call the cops or pay my bills. I cant and wont pay a bill I dont owe. The account was opened Fraudulently and I shouldnt be held responsible for it, also there is no way to charge the other person for this debt they are deceased.
Product: Credit reporting or other personal consumer reports

I have two accounts that have multiple inaccuracies between all three credit reports. Reinvestigate the completeness of every piece of information and if the information is not correct or accurate, the account needs to be deleted from my credit report. 

Below are the inaccuracies across all three bureaus from each account. 

XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Well! Wells Fargo again are practicing criminal behavior like they did years ago when they changed account # s to make it look like they had more business than they actually had so this time they are charging me for insurance when I already have insurance on my home loan they changed my loan servicer to XXXX XXXX because of the complaints I've made against them. I wish they would've changed the ELOC as well. Change it to XXXX XXXX no problem I mean i've never had any problem with them always having homeowners insurance and then now I change my homeowners insurance to go with my automobile insurance XXXX & Wells Fargo is still trying to charge me for an escrow account that is not necessary because I already had and have homeowners insurance through XXXX but they continue to try and make me pay impound account or whatever it's called the escrow account because they're taking this felonious or you know not right insurance out on that ELOC it was ELOC and I still don't know or agree with how they just arbitrarily changed it to a second mortgage but to make it seem that oh I have to pay insurance on it now. No that's not right. I've always had insurance on my house and that is covered and it is with XXXX XXXX and they got a copy of it but yet they're still trying to charge me for an escrow account that I should not be charge for Wells Fargo they are such criminals. They need to be put out of business. This is disgusting. I am a XXXX and a XXXX XXXX. I've never been treated this badly with a financing product. Whatever you wan na call it Wells Fargo R criminals I wish they would've just taken that ELOC as well over to XXXX XXXX. I want to have nothing to do with Wells Fargo and if you could help me be changed from Wells Fargo to XXXX XXXX for my ELOC as well. That is what I would like to do. Thank you. I Should not have to pay them any escrow account when I have my homeowners insurance covering both loans with homeowners insurance through XXXX Wells Fargo are criminals. I do not want to be with them they should be put out of business. They are CRIMINALS & acting w/ criminal & predatory behavior! Pls help! TY
Product: Checking or savings account

I have an Ally bank checking account for years. For years I am been using the popmoney feature to send money to another Ally bank account holder without any issue. All of a sudden I was told by Ally bank that I can not do popmoney transfer unless i contact them. As i am busy - i tried to contact them via chat but i was told that i need to call them. 

I was not told why the hold is in place? 
I choose to send money by check to the sender. 
In the meanwhile - i got an email after few days that my popmoney will happen - what??? 

This is what i sent to them in secured message center message : Guys, Please be serious as you are dealing with real human beings ( customers ) and it 's all about money ( $ $ $ ). I was told that my popmoney transfers are on hold so i made the payment via check. Now after the check is done - i am simply getting an email that the popmoney transactions will be done. Now if you do the popmoney transfer - my account will be negative and it 's a lot of inconvenience. Moreover i can not send an attachment when i am sending secure email. Your customer service folks on chat are totally clue less. I am going to report to CFPB if at all I am getting any more issues. I want all the popmoney future transfer to be stopped and let the check gets cleared and then chatted with their customer service
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an excellent credit rating 6 months ago... XXXX. ( I have been desperately trying to get to XXXX but unfortunately have only gotten to XXXX. ) My personal and financial information is very important to me and not taken lightly. I have taken great pride in establishing and maintaining my high XXXX XXXX and have NEVER been late on a mortgage payment, installment loan or credit card payment. So I don't need to emphasize how angry I was when I was informed that I was denied by XXXX loan companies for my XXXX loan for absolutely ridiculous reasons ... *Lack of recent installment loan information .. *Too few accounts currently paid as agreed .. *No recent revolving balances .. *Length of time accounts have been established XXXX of recent auto loan information. 

I opened my first checking account and my first credit card account ( XXXX ) when I was XXXX. I have had XXXX mortgages, approximately XXXX car loans, at least XXXX installment loans for various items ( snowmobiles, jet skis, ATV/UTV, golf cart, storage building, etc. ) and close to XXXX different credit cards for department stores. So at XXXX XXXX XXXX, that denial for my loan was absolutely absurd... especially with {$25000.00} down. 

I have contacted all XXXX major credit bureaus, the XXXX loan companies and also CFPB disputing the erroneous error that has occurred on my credit report. I told them the reason I believed this discrepancy has transpired and it was like talking to a wall! I was on the phone with Experian and XXXX yesterday for XXXX hours ... transferred 6 times ... requested to speak to a supervisor ( who wouldn't even give me her name ) and was told by another XXXX representative that I should contact ALL the accounts that I have had in the past and have them document again my credit history. Is that about the most lunatic idea imaginable... especially since a lot of companies are no longer in business or outdated records. 

I legally changed my FIRST name 2 years ago ( XXXX  ) ... which was my LAST name for 37 years ( XXXX ). I also remarried in XXXX  and changed my last name. My question is ... why the credit bureaus can't just simply change my name on my credit reports to my legal name. The Social Security XXXX didn't have an issue with changing the name on my social security card nor did the Driver 's XXXX XXXX with issuing me a new license and voters registration card with my legal name. 

Due to the XXXX epidemic and everyone working remotely... with very little work getting accomplished ( which I might add ) ... some companies have gotten too laxed and slipshod in managing their employees productivity ... and oblivious to the process that is required to provide efficient and effective work ethics.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau I am writing to bring to your attention an erroneous late payment entry on my credit report, which I believe to be a violation of my rights as a consumer. As per the Fair Credit Reporting Act ( FCRA ), it is crucial that accurate and fair information is reported by credit bureaus. 

I have recently reviewed my credit report and discovered XXXX Charge of account records from XXXX However, I firmly believe that this CHARGE OFF entry is incorrect and should not be associated with my credit history. 

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. 

Acct XXXX : XXXX Acct # XXXX Acct 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 XXXX 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. 

I kindly request that you conduct a thorough investigation into this matter and rectify the erroneous late payment entry on my credit report as soon as possible. Under the FCRA, I am aware that each violation may result in a penalty of {$1000.00}, and I expect appropriate action to be taken to address this violation. 

Enclosed with this letter, please find copies of relevant documents including payment receipts and statements that support my claim of timely payments. I urge you to consider this evidence during your investigation. 

I expect timely resolution of this dispute and a written response within XXXX  days as mandated under the FCRA. Additionally, I request that you provide me with an updated copy of my credit report reflecting the removal of the inaccurate late payment entry. 

Thank you for your attention to this matter. I trust that you will handle this dispute promptly and in accordance with the law.
Product: Credit reporting

I have recently disputed information in regards to XXXX with Equifax. XXXX went out of business because they were defrauding military personnel. If they review the date on my credit report from this company they will notice that I was also a victim. I would like Equifax to delete XXXX off my credit report due to the company filing bankruptcy and going out of business.
Product: Money transfer, virtual currency, or money service

I need all moneys that was asked for refunds and that was scam refund back to me and with a additional XXXX for pain and suffering and causing some mental illness issues