23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My sister tried to used my debit card to make a purchase on XXXX XXXX. It was declined, so she called me. I checked my account and noticed a fraudulent charge from XXXX for XXXX. It was processed yesterday and there are no orders on my Walmart account since last week. I called Capital One about my debit card and the representatives I spoke with only wanted to process my fraud claim versus holding the claim until i returned from a conference on the XXXX-I leave on the XXXX. I locked my card prior to calling and asked both representatives if they could see my locked status. The second representative who identified herself as a supervisor saw my card locked but refused to hold off on submitting the claim as I made her aware that transferring money to another account would not process prior to the XXXX and neither would receiving a new debit card. The " supervisor '' ended the call mid-discussion, submitted th3 claim, and cancelled my debit card-all without my permission or approval.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT WAS CHARGED ON THE FOLLOWING DATE ( XXXX XXXX OF THE FIRST CHARGE ) SINCE THEN THE ACCOUNT HAS BEEN UPDATED REPEATEDLY AS CHARGED EACH MONTH. THIS IS AN UPDATE TO THE PAYMENT HISTORY. A CHARGED ACCOUNT SHOULD NOT INCLUDE AN ACTIVE PAYMENT HISTORY. IT IS INACCURATE THE INFORMATION FALSELY MANIPULATES THE PRESCRIPTION. DID NOT INVESTIGATE THIS ACCOUNT PROPERLY AND YOUR NEGLIGENCE HAS VIOLATED MY RIGHTS. I AM DEMANDING THE DELETION OF THE FOLLOWING ACCOUNT : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Debt collection

Disputed with the company on XX/XX/2020. Company received my disputes as it shows according to my certified mail receipts. It is now XX/XX/2020 and I have not received back from the company any information in regards to verification of these debts. The FCRA gives the company 30 days to respond. I have not received a response. This has been my 2nd attempt to resolve this matter with the creditors listed on my report and the credit bureau reporting this information. The bureau is in direct violation of my consumer rights because they have ignored my requests for there methods of verification and documentation used to validate these debts. XXXX  has already removed several of these unverifiable accounts and yet XXXX and XXXX are still reporting some of them. XXXX in particular has not even responded to my dispute request at all. XXXX  is continuing to claim that these accounts are certified or verified but has not provided me with any proof of the matter, although I requested it way more than 15 days ago. This is a violation. I never received notice of this debt or the amount that is shown due on my credit report.
Product: Credit card

I recently XXXX college with a degree in XXXX to fulfill my XXXX credit hour requirement for the XXXX exam. Therefore I was in the process of applying for my XXXX credit card with Chase Bank 's Visa Platinum Credit Card. I had no previous prior credit history therefore Chase Bank denied me straight off the back. However I have assets of $ XXXX, income of at least $ XXXX, and a line of credit with the brokerage for $ XXXX. This would be more well enough for the line of credit I was seeking at least you would think. My father and I therefore called customer service at Chase Bank asking them to reconsider. We XXXX talked to XXXX asking her to reconsider the decline application for a line of credit. She insisted that since there was no line of credit history that they could not issue a credit card. We asked to talk to her supervisor, therefore we then talked to XXXX. XXXX gave the same explanation of not having enough credit history. XXXX gave the phone to XXXX her manager to talk about the issue. XXXX took over for XXXX. XXXX gave the same run down that XXXX gave us except we recorded the conversation that gave us the alternative to get credit. He recommended me to go to an inferior that charges more money to get credit to get credit with Chase Bank. XXXX said that it was Chase Bank 's philosophy to deny the credit card if there is no prior credit history. There is no professional judgement in further research of the individual to see if they have other means of income, its just the click of a button than says Yes or No. This philosophy happens to be trade secret, but any person with a brain would think you would want to issue a credit card to a person who can make the payments and has more than enough to cover the line of credit with liquid assets. We offered to give the statements showing that I had the assets to prove that I was a worthy candidate for the credit card, but the would not even take them or make amends.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor continues to report incorrect information to credit bureaus. I have made several attempts to have the incorrect information corrected not verified with no result. Credit bureau continues to state that account was verified. Creditor reports the wrong balance, dates on account and state it was part of bankruptcy. The information reported makes it seems like I had at the time a separate mortgage ( double reporting ). This account was not part of a bankruptcy because the account was sold to XXXX XXXX XXXX  in XX/XX/2012 before I had applied for bankruptcy
Product: Credit card

I purchased a shirt from a brand that looked like the brand XXXX but it turned out to be counterfeit, I provided more than sufficient evidence to my bank even including side-by-side photos of authentic products and how to authenticate them and showing the counterfeit item and how it lacks the authenticating pieces. I have gone through four dispute attempts for this purchase and I feel helpless at this point.
Product: Credit reporting or other personal consumer reports

RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. 

HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing you to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB Lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial and Zelle failed to investigate my claims adequately. The CFPBs findings indicates that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving user vulnerable to scams. This lacks transparency and accountability is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

I have disputed a transaction for {$1600.00} with Capital One Credit Cards, since the company XXXX Billed my card without my authority for $ XXXXXXXXAt no stage has capital one provided with the payment slip with my signature authorsing this charge, there is no follow up from the Capital One Dispute team and no one in capital one is taking ownership of this problem. 

This charge is clearly unauthorised and should be refunded back to me by Capital One.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 
The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from Consumer Portfolio Service on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XXXX XX/XX/year> Inquiry from XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX On XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. 
I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL " CRA '' CONTINUE TO VIOLATE " FCRA '' SECTION 604,607,609, 611, 614, 615 AND 623 WITH REPORTING SAME ACCOUNTS 3X/ RE-APPERANCE OF INCORRECT DATA INFORMATION AND NOT MY ACCOUNTS : '' XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX ... REPORTING INACCURATE AND NON- " PERMISSIBLE PURPOSES '' ..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint, I'm not using any third party for this matter, I represent myself by myself and file this complaint due to the new evidence. 
XX/XX/2022 I sent a letter to the courthouse asking do they report bankruptcies to the credit bureau and I got a letter from them on XX/XX/2022 stating '' They do not report any bankruptcies to anybody ''. So if that's the case. How did the Transunion credit Bureau verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; XXXX XXXX XXXX XXXXXXXX is not correct item and must be removed immediately from my report. The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbor, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to:15 USC 1681 section 602 A. States I have the right to privacy. According to 15 USA 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. According to 15 USA 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 causes to believe that the information is inaccurate. this record must be deleted from my Transunion Credit REPORT. Only Transunion has reported this information on my credit history. 
I know my rights and I submitted this matter with all evidence to Attorney General.
Product: Credit card

My information was shared in a data breach which has been affecting my credit score.
Product: Credit card

I am seriously concerned about my accounts with Citi Bank. Since  XXXX    XXXX   I have been receiving numerous letters advising of my credit limit not being approved for a credit line increase. These letters referenced my Citi  Advantage  #  XXXX  and  Citi Preferred  #  XXXX  accounts.   I am even more concerned that this is likely due to potential fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my file Equifax has helvey and associates reporting as Miscellaneous Reporting Agency which is not a closed date and has no information. Therefore Equifax has reported inaccurate information on my credit report and a violation under fcra. Equifax must remove that item immediately from credit report.
Product: Checking or savings account

This is my business checking account. My accounts payable person paid a vendor XXXX XXXX XXXX XXXX  via ACH there were XXXX payments made XXXX XX/XX/2022 XXXXXXXX XXXX in the amount of XXXX payment ID XXXX XXXX XXXX XXXX XXXX XXXX in the amount of XXXX Payment ID XXXX XXXX XXXX in the amount of XXXX Payment ID XXXX My accounts payable per had the correct routing number but on number missed ( left off ) of the account number of XXXX XXXX so we didnt know until our vendor called for payment at which time I called Wells Fargo and filed for them XXXX XXXX it and let me know. I did this the first time XX/XX/XXXX, we called several times between the XXXXXXXX XXXX and XXXX. I then went to my branch and spoke to XXXX XXXX XXXX and he started working on it I didnt hear from him so I went back and spoke to him again. These interactions were at the branch in XXXX XXXXXXXX XXXX on XX/XX/XXXX and XX/XX/XXXX I got a call from corporate and the lady told me XXXX XXXX XXXX XXXX has the money I ask how can that be the routing number was correct and it was XXXX XXXX XXXX she said she doesnt know but I have
Product: Credit reporting, credit repair services, or other personal consumer reports

After my identity was compromised it affected my credit file greatly with unauthorized accounts being reported on my file. I have asked for an investigation into this matter, and demanding the Method of Verification when doing so. Provide me with the names and titles and dates of those investigating this matter. I'm also demanding physical documentation as oppose to any electronic Verification inwhich can not be accepted as proof. And if this is not provided then you shall remove / block these unauthorized and unknown fraudulent accounts. 

Accounts 1 ) XXXX XXXX XXXX  XXXX 2 ) XXXX  3 ) Dept of ED/XXXX  {$7300.00} 4 ) Dept of ED/XXXX  {$5400.00} 5 ) Dept of ED/XXXX  {$3900.00} 6 ) Dept of ED/XXXX  {$3000.00}
Product: Checking or savings account

Capital one is withholding my direct deposit for 4 days now. There is no end in sight. I am a single mother and need to have my paycheck.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Debt collection

XXXX  XXXX XXXX  sold this debt to lvnv funding llc- they have been contacted by me and my power of attorney and they have not provided all the necessary documents that prove the validity of a debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of the following hard inquiries 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 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 These inquiries were made without my knowledge or consent, as a result of identity theft and fraud. As such, I am requesting that they be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, 15 U.S.C. 1681c ( a ) ( 4 ), credit reporting agencies are required to remove fraudulent inquiries from a consumer 's credit report. As a victim of identity theft and fraud, I am entitled to have these inquiries removed from my credit report.

I have already taken steps to address the identity theft and fraud, including filing a police report and notifying the relevant financial institutions. I am now requesting that you take action to remove these fraudulent inquiries from my credit report.

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I disputed the following items by mail. After your investigation, these items are still reporting without proof of your investigation. Please reinvestigate these matters and delete the disputed information as soon as possible. I have attached all necessary documents for your convince. Thank you for your assistance. 

ID THEFT ACCOUNTS XXXX XXXXXXXX : Account # XXXX Opened on XX/XX/XXXX and a balance of {$0.00} REQUEST : DELETE THIS ACCOUNT REASON FOR DELETION : ID THEFT ( NOT MINE OR NO KNOWLEDGE OF THIS ACCOUNT ) XXXX & XXXX HAVE SINCE DELETED THIS ACCOUNT DUE TO ID THEFT ( See attached documents ) XXXX : Account # XXXX Opened on XX/XX/XXXX and a balance of {$1100.00}. 
REQUEST : DELETE THIS ACCOUNT REASON FOR DELETION : ID THEFT ( NOT MINE OR NO KNOWLEDGE OF THIS ACCOUNT ) ***XXXX HAS SINCE DELETED THIS ACCOUNT DUE TO ID THEFT ( See attached documents ) XXXX : Account # XXXX Opened on XX/XX/XXXX and has a balance of {$600.00}. 
REQUEST : DELETE THIS ACCOUNT REASON FOR DELETION : ID THEFT ( NOT MINE OR NO KNOWLEDGE OF THIS ACCOUNT ) ***XXXX HAS SINCE DELETED THIS ACCOUNT DUE TO ID THEFT ( See attached documents ) INACCURATE ACCOUNTS XXXX XXXX : Account # XXXX REASON : INACCURATE REPORTING This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete this account. 
REQUEST : DELETE THIS ACCOUNT ADDITIONAL INACCURACIES : The Date Of Last Payment : TransUnion ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) The Date Last Active : TransUnion ( XX/XX/XXXX ), XXXX ( XXXX ), XXXX ( XX/XX/XXXX ) I can not verify that this account is 100 % accurate so it is deemed INACCURATE. 

XXXX XXXX : Account # XXXX REASON : INACCURATE REPORTING This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete this account. 
REQUEST : DELETE THIS ACCOUNT ADDITIONAL INACCURACIES : The Date Of Last Payment : TransUnion ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) The Date Last Active : TransUnion ( XX/XX/XXXX ), XXXX XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) I can not verify that this account is 100 % accurate so it is deemed INACCURATE. 

XXXX XXXX : Account # XXXX REASON : OBSOLETE ACCOUNT According to my records this account is too old to be on my report and is obsolete. 
REQUEST : DELETE THIS ACCOUNT XXXX  HAS SINCE DELETED THIS ACCOUNT DUE TO AGE XXXX XXXX : Account # XXXX REASON : INACCURATE REPORTING I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
REQUEST : DELETE THIS ACCOUNT ADDITIONAL INACCURACIES : The Date Of Last Payment : TransUnion ( XX/XX/XXXX ), XXXX ( XXXX ), XXXX ( XX/XX/XXXX ) Account Status : TransUnion ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) Payment Status : TransUnion ( XXXX ), XXXX ( Late 30 days ), XXXX ( XXXX )
Product: Credit card or prepaid card

On XX/XX/2018 a TD bank visa credit card was opened in my name fraudulently for somewhere around {$5000.00} dollars, note, i found this out about seven months later when i was going to buy a new used car ( the salesman found this td bank unpaid loan on my  credit report ) i never got mail with a bill or anything at all.if i didnt go to buy this car i never would have known.i contacted XXXX which i already had and they told me to contact XXXX and after several disputes they cleared me and restored my credit.so i let it go thinking all was ok.then i started getting calls from XXXX   XXXX to who i didnt respond due to advice from different people. ( maybe wrong advise ) anyway i called td bank fraud department about a week ago gave the person some info and this story and she said she would stop the calls, to this day the calls are still coming.with advice from XXXX i printed a report from XXXX  and found attempts by someone trying to do it again but i froze my account and they couldn't do it.i always had great credit till td bank came along. thank you