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

On XX/XX/XXXX I printed my free credit reported and noticed several fraudulent accounts opened and reporting information that I did not sign up for. I immediately reported the fraud to XXXX XXXX and created a report. The theme with the fraudulent accounts is they were all opened online during the pandemic. 

Listed below are fraudulent accounts and inquiries. 

1. XXXX  XXXX - {$730.00} Opened XX/XX/XXXX Closed XX/XX/XXXX 2. XXXX XXXX XXXX  - {$480.00} Opened XX/XX/XXXX Closed XX/XX/XXXX 3.XXXX - {$750.00} Opened XX/XX/XXXX Closed XX/XX/XXXX 4. XXXX  - {$2200.00} Opened XX/XX/XXXX Closed XX/XX/XXXX 5. XXXX XXXX XXXX- {$1500.00} Opened XX/XX/XXXX Closed XX/XX/XXXX Hard Inquiries : XXXX. XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired XXXX, XXXX XXXX. XXXX XXXX XX/XX/XXXX 2021
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

This is XXXX XXXX who is submitting this CFPB complaint myself. I have been patiently waiting on BANK OF AMERICA 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : ( BANK OF AMERICA XXXX, BANK OF AMERICA XXXX, BANK OF AMERICA XXXX XXXX
Product: Credit reporting or other personal consumer reports

hello I have reached out the the credit bureaus ( Experian, XXXX, and XXXX ) numerous of times about the fraudulent activity reporting. I have also reached out to the creditor requesting proof of the debt but none has been provided. I have also reported the accounts the the FTC. Could you guys please assist me in this situation? I request that the unrecognized accounts please be removed as soon as possible. Thanks for any assistance that you may provide in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX  - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Product: Credit card or prepaid card

On XX/XX/2019 I made a payment through my Capital One mobile app for {$1300.00}. When slid the bar to make my payment I received a pop up window with a message that said weve encountered a snag. I closed that window and returned to the main window to see if the {$1300.00} was processing or a scheduled payment. At that time it showed no payment scheduled or pending. left the app and then logged back in and still showed no payment scheduled. So I decided to make a {$10.00} payment to see if that payment would show up in the schedule payment window. The {$10.00} did show up in the payment scheduled window on the mobile app. I decided then to go and do another payment for {$1100.00}. That payment also showed up in the scheduled payments. To re-cap A payment of {$10.00} and a payment of {$1100.00} appeared as scheduled payments no payment ever showed in the window yesterday for {$1300.00}. When I logged in today ( XX/XX/XXXX ) it shows me payments processing ... one for {$1300.00} one for {$10.00} and one for {$1100.00}. I called capital one customer service and requested that they stop the {$1300.00} scheduled payment. Two people directly told me that they could not stop the payment as it is processing and unfortunately I may get a NSF charge from my deposit bank, XXXX   XXXX XXXX. My complaint is- at no time was I told that due to their error if I am charged a fee by XXXX  XXXX XXXX to call them back to offset any fees due to their system error. I find this practice a violation of NACHA and Regulation E. I have a screen shot from last evening that showed only two payments were pending, Giving the consumer information that is unfair and deceptive ( UDAAP ). I have called XXXX XXXX XXXX to request an ACH stop payment but there is not a guarantee that the payment will be stopped for {$1300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Our credit bureau that holds the key to everything says I have two files one with the last name XXXX which I have never been married but it was a alias on my credit report also They have the wrong phone numbers for companies that they are displaying as inquiries on my report Ive sent them my ID and my social and identity theft report and they refused to take XXXX off of my account which XXXX  told me in XXXX XXXX XXXX XXXX There was another name using my social and that was a medical bill experience is absolutely insane I pay for credit monitoring and I dont even get the right services they send me alerts and they dont even know where they come from and they continue to keep things on my report that are not mine
Product: Credit reporting or other personal consumer reports

I am writing a formal complaint with the Consumer Financial Protection Bureau regarding the unauthorized sharing of my non-public information by XXXX XXXX XXXX XXXX to non-affiliated third parties, specifically the consumer agency Experian. 

On XX/XX/year> I notified XXXX XXXXXXXX XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my non public personal information with non affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

This unauthorized sharing of my non-pubic information not only violated my privacy rights but also demonstrated a blatant disregard for the laws and regulations set forth by the XXXX. It is imperative that Experian complies with the legal framework established to protect consumers privacy and confidentiality.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report as permitted under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( a ). My information was compromised in the XXXX data breach. As a result, this has led to me being a victim of identity theft, and unauthorized accounts being opened in my name. I have included an attachment of XXXX confirming my information was compromised and I kindly request that Experian block the following accounts and prevent any further reporting of them on 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 XXXX XXXX XXXX. In accordance with 15 U.S.C. 1681c-2 ( a ), I request that these accounts be blocked from appearing on my credit report. Additionally, I am requesting the removal of the following Hard Inquiries that have resulted from this identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have provided Equifax Credit Reporting Agency all necessary documentation under Fair Credit Reporting Act in regards to identity theft to have information due to fraud removed from my credit file. I recently receive correspondence from Equifax stating I needed to file FTC theft report to have information in question removed/BLOCK from my file on XX/XX/XXXX, XXXXIn which I have provided to Equifax upon request. However, I was told by Consumer Affairs department at Equifax, that either police report in which I provided in XX/XX/year> or FTC identity theft report would be sufficient to have the items Blocked from my file. Upon providing documentation requested from Equifax they have not deleted the accounts from my file. I am a victim of Identity theft and Equifax has not followed federal law as it relates to Fair Credit Reporting Act identity theft. Can someone please assist me with this situation. I have followed all necessary steps to have accounts due to fraud removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, XXXX and Equifax in XXXX of 2021 to ask them to properly verify information that was being shown incorrectly. The dates my account was late is entirely inaccurate. This account was closed months before the Charge off. 

I will assert my right to arbitration to remedy the credit bureau 's failure to furnish accurate information. It is my right at this point to have this information deleted from my credit report. 

If XXXX, XXXX, and Equifax fail to do their part again, I'm ready to sue in small claims court because of my legal standing under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

The following Creditors and Debt Collector have violated my rights : ACCOUNTS : # XXXX  XXXX : XXXX  XXXX XXXX  - # XXXX XXXX XXXX : XXXX XXXX XXXX XXXX - # XXXX I would like the these creditors to provide me with a 1099c due to the debt being a write off, if this information can not be provided these account need to be removed from my credit report. 

XXXX XXXX XXXX, I AM NOT LIABLE FOR THIS DEBT WITH XXXX XXXX XXXX, AND DO NOT HAVE A CONTRACT WITH THIS COMPANY. THEY DID NOT PROVIDE ME WITH THE ORIGINAL APPLICATION LIKE I ASKED. 


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, credit repair services, or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST for them to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. 
Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. Also, why did you not send me copies of the verification like I asked? 
As I am sure you are well aware, current case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The courts have ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations proposed by 1681 ( a ) ( 4 ).

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contra
ct with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 
Creditor XXXX : XXXX XXXXXXXX XXXX XXXX Please remove all non-account holding inquiries over 30 days old. Also and place a suppression on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. The information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report asap. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the federal trade commission, please review the enclosed copies of the FTC 's Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items asap. 

Please remove these inquiries asap : XXXX - XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XX/XX/2021
Product: Debt collection

Collection agency SEQUASTSOL reported a debt that I dont own to my credit report. As per SEQUASTSOL I own them {$47.00} for XXXX XXXX XXXX TV service, which is not true. I have other TV service provider and I dont own any money to them. I never received any bill from neither XXXX XXXX XXXX or SEQUASTSOL, I found out because I checked my credit report. They are using this COVID-19 unprecedented time to play with people emotional wellbeing through fraudscam with fake debts.
Product: Credit card

i received a rug that was wildly different from the website on XXXX. I wanted to return it and theyre telling me I have to pay for shipping. This isnt the rug I ordered and I had an order for a mattress and adjustible base to be delivered but I told them to cancel the orders I do not authorize them and do not want any orders from this company. They are not willing to work with this on me. Ive called Chase to dispute the charges.

Im refusing all shipments from XXXX at this point.
Product: Credit card

For many years we have paid our credit card balance in full by having it automatically withdrawn from our checking account. We were away on vacation and when we returned we found that no withdrawal had been made that month to pay our bill. We called the company to find out why. The rep stated that he could see we always paid that way, but for some reason, that he couldn't understand, the system had not worked that month. He said we weren't the first people to call and complain about this same thing. The system just seemed to be dropping people out of auto pay with no explanation. We asked for the interest charge to be removed since it wasn't our fault they had not made the auto-withdrawal. He said he would submit that request and we should hear something in a couple of days. I did receive a letter about a day later stating that the interest charge would NOT be rescinded, and to add to my frustration they had the gall to suggest that to pay our bills on time, in the future we should sign up for automatic withdrawal! They also stated their decision was final and could not be appealed. 

It's not that we can't afford the interest charge, it is the principal of the thing. They are actually cheating us out of money and charging us for their own error.
Product: Credit card

We rented a car from XXXX from XXXX/XXXX/16 to XXXX/XXXX/16 charging onto CapitalOne Credit Card. On XXXX/XXXX/16, XXXX sends me a letter stating we incurred speeding ticket while using their car and plans to charge my credit card {$110.00}. When I asked XXXX for a copy of the violation, XXXX refuses to send me a copy of the ticket for verification. When I contacted CapitalOne Credit Card to dispute these charges until I can receive proof of such violation, CapitalOne mailed me documents from XXXX claiming that XXXX had provided proof of the situation. However, the documents I received were car rental agreement plus a copy that is illegible. Still no documents/proof of XXXX 's Claim. Despite the fact that I faxed CapitalOne email documentation from XXXX traffic agencies in XXXX all confirming NO traffic violations exists based on the rental car 's license plate, CapitalOne considered this case closed and charged me {$110.00}. My repeated efforts to obtain a copy of the alleged traffic violation from CapitalOne and XXXX so I can verify the validity of XXXX 's claims were useless. CapitalOne rather help a XXXX XXXX XXXX to Scam me {$110.00} instead of protecting a consumer whom they figured wo n't be able to sue a credit card company. Laws need to be changed so consumers are not forced to waived their rights to sue a credit card company in order to obtain a credit card. WHAT A SCAM!!!! I will be posting this scam on social media ( XXXX, XXXX, XXXX, etc ) to alert all my friends to avoid CapitalOne Credit Card and using XXXX XXXX Rental unless these XXXX companies are willing to resolve this matter with me by sending me a legible copy of the traffic violation. After this matter is over, I will CANCEL my capitalone credit card.
Product: Credit card

I've contacted kickoff and expressed my concerns about the inaccurate information that is reporting negatively on my credit report. Its several accounts reporting different amount on my XXXX report it shows 2 accounts one closed and open but reporting two different amounts. I've sent documents to show to the inaccuracy on my credit report. My XXXX is filled with same inaccuracy.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 an international wire transaction for XXXX usd dollars was initiated using wells Fargo online baking they charged a XXXX dollar fee. Today after almost a month the money haven't reach the receiver neither returned to my account. I had call several time and they just transfer me from one department to other without solving my issue.
Product: Checking or savings account

I opened a BB & T checking account on XX/XX/XXXX. I signed up with promo code XXXX which promised a {$100.00} bonus if two outbound transactions were made with XXXX within 60 days of account opening. I made two XXXX transfers on XX/XX/XXXX. The bonus was supposed to be deposited in my account within 60 days of the promo expiration date of XX/XX/XXXX. It has passed the 60 day marker and I do not see a deposit. I called customer service and asked when I would get the promotion. They ensured me that the promotional code was applied to my account and that the money would be in my account. It is still not in my account.
Product: Debt collection

I filed chapter XXXX Bankruptcy in XX/XX/XXXX and received discharge XX/XX/XXXX. One of the debts discharged on that date was Macy 's Department Store. XX/XX/XXXX it was placed for collection with XXXX XXXX. 
I've reached out to them and all 3 credit bureaus and submitted supporting documents to no avail. On XX/XX/XXXX XXXX I received mail from XXXX  verifying the account as accurate and updated. How can it be accurate If a judge in a court of law ordered it discharged and no representative from Macy 's or anywhere else showed up to contest it? This is reflecting negative on my credit reports and I'd like it removed promptly
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect reporting accounts paid in full
Product: Credit reporting

Equifax is reporting incorrect information this not my account XXXX CASE NUMBER : XXXX XXXX XXXX XXXX have fail to validate this account and so have Equifax at my request.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

A debt for XXXX from a creditor Moblie bill when I contact the company they verified the info didnt match mines so Im confused on why its showin up on my report I sent in my government id and social security card company name sequium XXXX I call several times XXXX XXXX XXXX bill I thank they sayin I owe prestige financial {$25000.00} also keeps reporting to my credit something I didnt open identity theft once again the information wasnt correct as well but its still on my credit medical bills showing up from XXXX {$320.00} and {$90.00} also all theses inquiries I definitely didnt do XXXX, selects automative, XXXX, XXXX, and a few more can u guys please please check the social security number before placing these things on my credit report I done contact u guys more then once and its still happening