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

I have attempted to get the situation corrected for over a year. Over. A. Year. This will be THE LAST attempt to give Capital One the chance to remove this erroneous account from my credit file, as I am tired of them playing this game with them. I have already secured legal counsel and will using their willingness to continue reporting incorrect and fraudulent information on my credit report as an admission of guilt. They have yet to provide proof in the form of a copy of the original credit application. A STATEMENT IS NOT PROOF!! It is merely record of someone with a name similar to mine, living at an address that I have never lived at, having an account with them. It's no secret as to why they have refused to provide LEGITIMENT PROOF in the form of the credit application because they know it will substantiate my point. I have never ( and will NEVER at this point ) do any business with Capital One or any of their affiliates. I contacted Capital One multiple times between XXXX and XX/XX/XXXX, provided a copy of my ID that showed my date of birth, as well as the ONLY address I have ever lived at. I have even contacted their CEO and never received a response. The date of birth and address that they are reporting are not mine, yet they have refused to remove this account stating based on their records, it is my account. They continue reporting this fraudulent account with incorrect information which is harming my credit before I can even establish any. I contacted the number listed on the letter they provided to the CFPB as their " response '' and was not able to be assisted AT ALL by their reps. I continued to get the same run around and non-answers as I have been getting for the past year. I spoke to a XXXX on XX/XX/XXXX at XXXX XXXX  at the number provided in the letter and explained why I was calling. She was clueless as to what the CFPB was and stated that the case numbers listed in the letter XXXX both Capital One and CFPB ) she was unable to look up. She then asked for my social and date of birth and stated that my date of birth was " not being accepted by the system. '' So ... ... ... .my question is again, HOW DO YOU SAY YOU HAVE VERIFIED AN ACCOUNT TO BELONG TO ME IF YOU DON'T EVEN HAVE MY CORRECT DATE OF BIRTH OR SSN???!!!! I was then transferred to the fraud department and spoke to XXXX ( Associate ID XXXX ) who also was clueless as to assisting me with following up on the letter that was sent from Capital One. No one that I spoke to was able to even pull up an account with my social or date of birth, so how are they " verifying '' this as an accurate account with the credit bureaus??
Product: Checking or savings account

Received XXXX emails and a text about my new account created by chime.com. I never created or even heard of chime before this so I know I didn't make it. It had all my proper info so I can only assume chime is fraudulently creating accounts.
Product: Credit reporting or other personal consumer reports

The following inquiries are reporting to my Transunion credit report ... ..I 've attempted many times to explain the situation that these aren't my inquiries nor are they attached to any active accounts of mine ... .However Transunion insist that I mail in meaningless letters that they never respond to disputing these inaccuracies. 

Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' EXPERIAN and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX ) the financial institution and the Consumer reporting agencies EXPERIAN and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to EXPERIAN, XXXX, ( XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. EXPERIAN and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of XXXX XXXX reporting services.
Product: Credit card or prepaid card

My current statement shows four over charges for the laundry machine in my apartment building. I have been over charged more times than I can count. I have complained before and the card issuer has removed the charges. Barclays disconnected me today three times when I called again to dispute these overcharges.
Product: Mortgage

I am a suntrust bank customer and there are fraudulent activities on my account since XXXX I deposited {$20000.00} towards my suntrust mortgage payment to be applied as principal balance. Suntrsut applied only {$10000.00} Suntrsut did not apply the month laon amount of {$1400.00} from XXXX - XX/XX/XXXX The loan was reset back to {$130000.00} in XX/XX/XXXX Loan amount at beginning of XX/XX/XXXX was {$130000.00} Loan amount should have been {$120000.00} - {$10000.00} The loan amount needs to be reset to {$90000.00} for fradulent activities committed by Suntrsut Bank. 

There have been fraudulent activities in my checking account for the amount of {$25000.00}. A check for {$25000.00} must be deposited into my suntrsut checking account I would my suntrsut checking account and suntrsut mortgage laon transferred to a responsible bank and managed by a resposible authority, Thank you Sincerely, XXXX XXXX
Product: Credit card

Please examine the attached documents, and I request the bureau to investigate these accounts that wrongly depict me as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, Illinois, XXXX ( XXXX ) XXXX XX/XX/2023 Dear TransUnion, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX XXXX Amount : {$9900.00} Account # : XXXX Party Owed : XXXX XXXX Amount : {$960.00} Account # : XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED. 

This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim. 

Sincerely, XXXX XXXX
Product: Credit card

Subject : Dispute of Fraudulent Charge and Request for Account Removal Dear CFPB, I am writing to formally dispute a fraudulent charge associated with the account XXXX on my XXXX credit report, with the account number beginning XXXX and a balance of {$280.00}, opened on XX/XX/year>. In XXXX I visited the store and made purchases worth {$300.00}, which I promptly paid off. After settling the balance, I closed the account, believing everything was in order. However, I later discovered that I was billed an incorrect amount. Despite my repeated efforts to have the matter investigated, the store failed to properly investigate or resolve the dispute, and they have refused to remove the illegitimate debt from my account. I have formally disputed the charge multiple times over the past year, but the store has closed my disputes without explanation. As a result, my credit score has dropped by XXXX points, with no clear reason provided. I strongly believe that this is due to the fraudulent charge, which has not been removed from my credit report. Furthermore, I had just moved to XXXX at the time of this transaction, and the situation at the store seemed suspicious, which in hindsight should have raised red flags. I request that the store review security footage from the time of the disputed transactions to verify that I did not make those purchases. Despite requesting this, I have not received any feedback or results from the stores investigation. My rights under various consumer protection laws have been violated in this process : Fair Credit Reporting Act ( FCRA ) Under the FCRA ( 15 U.S.C. 1681 et seq. ), I have the right to dispute inaccurate information on my credit report, and the credit reporting agencies are required to investigate and correct any errors. The store and credit reporting agencies must verify the accuracy of the information within 30 days of my dispute. If the investigation is not resolved in my favor, I am entitled to receive a written explanation of why the dispute was closed. Fair Debt Collection Practices Act ( FDCPA ) If this debt was turned over to a collection agency, the FDCPA ( 15 U.S.C. 1692 et seq. ) protects me from unfair and deceptive practices. The debt collector is required to provide verification of the debt upon request and must cease collection efforts until such verification is provided. Truth in Lending Act ( TILA ) Under TILA ( 15 U.S.C. 1601 et seq. ), I have a right to dispute billing errors, including fraudulent charges, on credit card accounts. The store has failed to properly investigate the disputed charge and provide me with the necessary billing error resolution. Given the fraudulent nature of the charge and the improper handling of my dispute, I am asking for the immediate removal of this account from my credit report and the restoration of my credit score. Please address this matter as soon as possible. I am prepared to provide additional documentation or further details if necessary. Thank you for your attention to this matter.
Product: Checking or savings account

Ive filed a claimed with Chase.com in regards to fraudulent transactions. Possibly someone who originally helped me open my checking account has connected their XXXX account and was make small transactions in the very beginning that I was unaware of because I didnt receive my first deposits until XXXX from FEMA after our home was affected by a storm. Which that person then continued to make transactions on my account but this time taking my funds. Ive provided chase with proof that it isnt my account that was linked and proof of my actual XXXX account. Ive since removed and or blocked any linked services from my chase app that I didnt know about. This has caused my family to lose so much as far as being unable to pay bills.
Product: Credit card

On XX/XX/XXXX, I was at a restaurant and began receiving texts from different credit card companies that there was suspected fraud. I panicked, but begin to call the credit card companies. This was not the end of it though. Changed passwords and then to lock them, however I had ( 2 ) credit cards that had not been used in 4 years tied to my SunTrust checking account online. We also have a business account, which my personal account is linked to, so therefore I rarely sign onto my personal account. I was going through all my accounts, which took some time as well. I signed onto my personal account, which at that time only showed ( 1 ) of the credit cards and it wasn't the card that had been used for Fraud .The actual card that was used for fraud, I still hold in possession, as it was never activated. I used it for a balance transfer, paid it off in XXXX and did not use it again. Then when SunTrust became Truist, I assumed it had been closed. I had not received a new card upon expiration. When I saw the card and the charges on my account, I called and reported it and unfortunately had someone with a strong accent, which I kept repeating qustions to him. I knew I had the other SunTrust card that was actually showing on my account and questioned would I receive another card with the name Truist on it and he said no, it is still good, but wasn't the one with Fraud. The card that was used for Fraud, which hadn't shown up on my account, he sent a new one, because I reported it and it still remains unactivated. I called multiple times and even went into the branch. I received a letter that stated I would not have to pay any payments on the disputed amount, which was the total amount charged on card. They sent a letter for a late payment and I sent it back with the case # and it had been used for Fraud. Truist then reported me to credit bureau before investigation was finished... according to what I was told. I panicked and sent an immediate payment, because I have not been late on one payment. In retrospect, I should have immediately called them. I sent a certified letter to Truist with statements from other credit card companies that was also used for Fraud and stated what I have said here. They sent a letter back and said they were standing with their original decision, which I received with no signature or identity to talk with. A form letter. Not only a victim of Fraud, but of my bank also.
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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent money to a friend through Paypal, without checking with her first. Turns out, it was an account she used ten years ago, and she can't get into it. Paypal said they could help her, if she can " validate the account, '' but she can't. This is the only way either XXXX of us can access the money. It's absurd. She can't get the money, and I can't get it back. 

Please help us! The amount was {$46.00} that I sent to XXXX XXXX on XXXX XXXX, 2021.
Product: Checking or savings account

Square suspended my account with money in it for XXXX  days. I had someone pay me, but now they wont let me access the money due to We recently reviewed your account and found activity that our platform is unable to support. Because of this, we are sorry to inform you that your Square account is now deactivated. 

I called and they wont tell me anything further. When they escalated the matter ( when I asked for a manager, they said they wont take my call ), they emails more vague information. See below : After a comprehensive review of your account, we have determined that we are still unable to process payments for your business. Our decision to deactivate your account is final. 

We understand that it can be frustrating to have your account deactivated. However, due to security concerns and the obligations of our agreements with card networks and other financial institutions, we can not provide additional details. 


So basically they stole my money, and wont tell me why or what.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00}, {$440.00}, {$5800.00}, {$8200.00}, {$11000.00}, {$9600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

2. XXXX XXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my request off on XX/XX/XXXX, I told the credit bureaus to " investigate every piece of information '' on the account I have listed below. 

1 ) Collection Account : XXXX XXXX XXXX XXXX Account # XXXX According to the FRCA the term " investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. 

They stated the account was verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % accurate.
Product: Credit card

I had a capital one credit card from XXXX - XXXX, I was never notified of privacy breech in XXXX, My entire online identity has been destroyed. My emails are hacked, sites redirect, etc. I froze my credit card and disputed charges in XXXX, still unaware of the breech. I got a payment arrangement when I was having financial difficultly making the payments. Capital one continued to charge over 20 % interest despite my requests for it to lowered. I reported my financial difficulties due to covid. I work in health care as a nurse practitioner and my patient load was reduced by XXXX due to covid deaths. And my pay was cut due to this. Now capital one na has charged off my debt and they have a law suit against me. I honestly do not think this is right, considering they violated my privacy. I did call capital one a few months ago and they confirmed I was affected by the data breach but time had lapsed to be part of the settlement. I have spent hours, days, nights trying to get my online identitiy secure, which it is still not. I paid this credit card diligently for over 7 years, had my privacy breeched by them, and now am being sued by them. I feel like the debt should be waived considering the situation, especially with suspicious charges on my account in which I alerted them, but was never told about the breech. On my credit report the payment amounts I made are not noted either and after charging off my account the balance went up a few XXXX dollars, not sure how that could happen.