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

On XX/XX/2022. I noticed {$11000.00} in fraudulent ACH transactions on my capital one checking account. I contacted my bank, and started my claim. 10 business days later they granted me a temporary credit for the {$11000.00} that was missing. I was told that the credit could be deducted from my account if the claim was not found in my favor. 

On Friday XX/XX/2022, I received an email from my bank that stated : The provisional credit is yours to keep and your dispute 's now closed. 

On Tuesday the XXXX of XXXX I received a new email stating : Our research didn't find any errors, so we closed your dispute. We'll remove the provisional credit of {$11000.00} from your checking account on XX/XX/2022. 

On XX/XX/XXXX I called capital one and asked what was going on. They asked if I could forward them the email stating the credit was permanent and I did so. I was told I would get a response within XXXX business days. 

I do not get any reply. So I call them again on the XXXX of XXXX. They inform me on a recorded line that in fact they looked into it and I will not be charged the {$11000.00} and that my claim is closed and the credit is permanent and that should be the end of it. 

On the XXXX of XXXX. {$11000.00} was deducted from my capital one checking account. 

I call them again. And they tell me that there is nothing they can do. That a mistake was made and they gave no way of fixing it. 

I feel as though they unlawfully deducted this money based on the fact that the credit was no longer temporary after they stated it was mine to keep in writing.
Product: Credit reporting or other personal consumer reports

CONTACTED EACH CREDITOR AND REQUESTED AN INVESTIGATION FOR THE FOLLOWING INQUIRIES THAT ARE ON MY TRANSUNION CREDIT FILE. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Credit reporting agencies XXXX, Equifax, and XXXX gave out or sold my PERSONAL PRIVATE address which I ONLY UPDATED WITH THEM. 

NOBODY ELSE HAS THE ADDRESS and now, I am being harrassed by XXXX XXXX XXXX AT MY NEW ADDRESS. 

I WAS NEVER IN CONTRACT WITH XXXX XXXX XXXX NOR DO I WISH TO BE IN ANY CONTRACT WITH SAID COMPANY. 
THEY RECEIVED SEVERAL CEASE AND DESIST LETTERS AND I HAVE TOLD XXXX, EQUIFAX, AND XXXX AND THEY CONTINUE COLLUDE TO CAUSE ME HARM. 

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 that needs to be deleted.

THE FRAUDULENT COLLECTION ACCOUNT FROM XXXX XXXX NEEDS TO BE DELETED IMMEDIATELY. THERE IS NO NEED FOR YOU TO CONTACT THEM BECAUSE THEY HAVE NOTHING TO DO WITH THIS MATTER.

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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Equifax, XXXX, ( Furnisher of information to credit agencies ), whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

I DO NOT CONSENT TO XXXX, EQUIFAX, XXXX SHARING MY INFORMATION WITH THIRD PARTIES.
Product: Checking or savings account

I have spent 12+ months do not have dates or times except XXXX thru XXXX Citi bank allowed a XXXX fraudulent withdrawl to come out of my bank account. I reported the fraud to my bank Citi. I have filed complaints and tried at least 22 times to get an answer from Citi on where we are in the investigation what can be done to make sure my account is in good standing. Because someone has gotten in my account they will not talk to me stating that my security words are wrong and that my information does not match. So no one will speak to me. I have tried to get my info to be honest I am at a loss why a bank would not file a fraud form and make sure my account did not close or protect their customers from having a closed account I will never know. I also requested they file a fraud form due to the fraud on my account. They hung up on me. 
I have been trying to resolve this issue and then the bank reported with an amount which was the amount frauded from my account on XXXX. So now I can't even go with another financial institue. What can be done please help.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, which has resulted in multiple fraudulent accounts and inquiries appearing on my credit report. These include 21 unauthorized U.S. Department of Education accounts, two auto loans fraudulently opened with XXXX and XXXX XXXX XXXX, and 40 hard inquiries that I did not authorize. Additionally, unemployment benefits were wrongfully filed in my name without my knowledge or consent. 

These fraudulent activities have severely impacted my credit and financial standing. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and removal of these unauthorized accounts, inquiries, and any related fraudulent information from my credit report.
Product: Debt collection

I received a notification today that a collection was added to my credit report in the amount of {$66.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I see appropriate redress for these violations.
Product: Mortgage

To make a long story short, I was notified in XX/XX/XXXX that my mortgage company was paying the wrong PIN # out of my escrow for property taxes since XX/XX/XXXX. I first found out from a neighbor in my condo complex as her taxes were paid and she had not yet made a payment. I then was notified by the County that I may be eligible for a reimbursement due to me paying someone else 's taxes. After further investigation, it was determined that my taxes were not paid for an entire year and I had a lien. This has since been resolved by my mortgage company, but it was resolved with my money in my escrow. I have sent in two formal complaint letters to my mortgage company trying to understand the issue. I have also requested documentation proving what all my escrow disbursements since XX/XX/XXXX have paid. My first written dispute was sent on XXXX XXXX, XXXX. I received a resolution letter on XXXX XXXX, XXXX, however, it did not address ANY of my concerns or disputes nor did I get any of the documentation I requested. So, I sent in another written dispute letter on XXXX XXXX, XXXX addressing the same concerns I had back in XXXX. I have received a couple acknowledgement letters since XXXX XXXX, XXXX, but it is now XXXX XXXX, XXXX which is 124 days since my formal written dispute and I have not received a resolution. I have not received one letter, one email, or one phone call to at least try to address my issue. I work for a Financial Institution, and in fact I manage the area of the Bank that handles all the Consumer Loan error resolution inquires and complaints. I have a pretty good understanding of what regulates the consumer rights when it comes to Real Estate Secured consumer loans ( especially since XXXX XXXX ). There could be no issue with the way my mortgage company processed my tax payments since XX/XX/XXXX, but due to the lack of addressing my concerns, my complaints, and my disputes I feel as I am not being treated fairly as a consumer and should not have to wait this long to hear some sort of resolution. I have plenty of documentation to display my current efforts with my mortgage company.
Product: Payday loan, title loan, or personal loan

Follow up to complaint XXXX Co unwilling to help
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  Total Card # XXXX, Account name : XXXX  XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX # XXXX, XXXX  XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

On XX/XX/2023, I sent a payment via XXXX in my Bank of America app to a relative of {$260.00} around XXXX. That money was sent to an account she had closed with XXXX XXXX XXXX XXXX, as they still had her telephone number linked to the closed account. My relative said another party had sent money using her phone number & that party received their funds back to their account because it was deemed undeliverable since the account was closed. I have contacted & escalated this claim with Bank of America twice. In addition, my relative has contacted XXXX XXXX who they have no transactions because the account was closed. Bank of America refuses to assist any further in getting my monies back. How can monies be delivered to a closed account? No one from Bank of America an answer this, but simply tell this is resolved. I have sent other people money using XXXX that have closed or changed banks & that money appeared as a debit and then credit back to my account. I need assistance in escalating this matter as neither bank is assisting. XXXX has not received the monies either.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I called Capital One to upgrade my credit card to a rewards card but was told I had to make new application which I did with him during that call giving authorization to pull credit inquiry. A couple weeks later I recieved letter requesting me to provide my current 1099 which I did then I recieved letter of denial citing too many recent inquiries. When I checked all three bureaus Capital One appears on XX/XX/XXXX ( authorized by me ) and again on XX/XX/XXXX ( not authorized by me ). They just need to remove the XX/XX/XXXX inquiries from all 3 credit bureaus but can't speak with anyone authorized to help with this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX     2017 I pulled my cred it report for all  XXXX  bureaus to find an open    XXXX   XXXX   XXXX    account that was not mine on my credit report I sent a certified letter on  XXXX   XXXX ,    2017 (  signed for on   XX/XX/2017  ) to  the provided address on the report asking the company to please send me information that bearing this was indeed my account and to provide me with documentation that contained my signature and that the information they were reporting is being disputed. On  XXXX   XXXX ,    2017 th e company sent me a billing statement stating this was there proof. On  XXXX   XXXX ,    2017 after  31 days I did not receive anything bearing my signature so I rechecked my credit report to find the company had not placed the disclosure " notice of dispute '' on my account. I resent another certified letter on  XXXX   XXXX ,    2017 ( se e attached ) signed for on    XXXX   aski ng them to remove this from my report since they had not provided me sufficient evidence showing this account belongs to me nor did they place the notice of dispute on my account within 30 days of my origin al letter therefor vio lating the Fair Credit Reporting Act and the Fair Debt Collection Practices.. It has been almost 60 days and the notice still does not appear on my consumer report nor has the company responded to m y letter s to provid e evidence.
Product: Debt collection

XXXX XXXX and a recovery agent from XXXX New York XXXX XXXX XXXX XXXX have called my daughters telephone asking questions about me. They have also peppered my girlfriend with questions. Both are illegal. They called my girlfriend this morning. Shes not in default or collections. They have no reason to contact either of them
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and incomplete credit information that you have reported on my credit profile. It is distressing to find the following information included in my credit report, especially when it fails to meet the standards of accuracy mandated by credit reporting laws. 

The following items are reported inaccurately : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Note : This account was paid and never late. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Note : Please remove XXXX. 

Inquiry from XXXX XXXX XXXX, XXXX XXXX, SD XXXX Date : XX/XX/XXXX Note : Please remove this inquiry. 

I respectfully request proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. Without such documentation, I insist that the item be promptly deleted from my credit report. This information is not only inaccurate and incomplete, but also seriously misrepresents my credit history. 

Furthermore, I request that you supply a corrected credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years for employment purposes. 

Additionally, I require the name, address, and telephone number of each credit grantor or other subscriber associated with the disputed items. 

Under federal law, I understand that I have thirty ( 30 ) days to complete your reinvestigation. I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information within fifteen ( 15 ) days of the completion of your reinvestigation.
Product: Debt collection

I recently ran my own credit report yesterday ( XX/XX/18 ) and discovered a debt collections company that has never contacted me has placed a collections account on my XXXX and XXXX reports. First of all, I do not owe this debt. They are accusing me of owing XXXX {$290.00}, but I dont. My XXXX   account is open and paid on time every month. I called the company, Southwest Credit Systems yesterday and they claim to have sent 2 notices to an address I havent lived at in over 6 years. No one lives in that building anymore, it is closed. I imagine they will eventually have their notices returned to them by the post office as undeliverable. I have lived several places since then, and I know XXXX has my current address, as I have my current cable and internet with them right now. Southwest Credit Systems confirms theyve had my correct phone number this whole time, but they havent bothered to use it to attempt to call me. They did not give me an opportunity to dispute this debt before placing it on my credit reports. I opened a dispute about the debt with Southwest Credit Systems directly, as well as with XXXX and XXXX. I called Southwest Credit Systems again today, I spoke with someone named XXXX, to tell them they have to remove the report from my credit reports for 30 days because they never previously notified me of the debt or my right to dispute. They are required to notify me of the account, of my right to dispute, and give me 30 days to do so. They failed to do so, but they refused to make it right.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave you or any other consu, [ mer reporting agency WRITTEN CONSENT to report these accounts on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE SEND UPDATED COPY OF MY REPORT OF THESE ITEMS DELETED TO MY ABOVE POSTED ADDRESS THANK YOU.
Product: Credit reporting or other personal consumer reports

Experian credit reports include debt collection that does not belong to me. And refuse to remove unwarranted collections from my name. In my " credit overview '' it breaks the score into 5 aspects. Payment history 35 %, amount of debt 30 %, amount of new credit 10 %, length of credit history 15 %, credit mix My report says all 5 aspects are either good or fair. And the fact that the ALGORITHM used to determine this " score '' is not CONSUMER ENTITLED INFORMATION to review for imparities IS UNFAIR TO CONSUMERS.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company information. 
Please delete the following accounts. 
XXXX XXXX XXXX XXXX {$42000.00} XXXX XXXX  {$4900.00} XXXX XXXX {$6900.00} XXXX XXXX  {$1000.00}
Product: Consumer Loan

Chase Finance has reported to the credit bureau that I 'm delinquent on car payments for a XX/XX/XXXX XXXX XXXX which I did not purchase. I called them to remove my name and to stop posting that I 'm not making payments on a car I DID NOT PURCHASE. I purchased a XX/XX/XXXX XXXX XXXX XXXX which I 'm current on all payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was robbed and my belongings were stolen from me. I filed a ftc and police Report I dont have the police report on me at this time. I can provide the report number if needed. FTC Report reference number is XXXX
Product: Credit card

Citibank closed my credit card account without warning or notification. They say its because I filed bankruptcy but I have told them several times I have NEVER filed bankruptcy in my life and it is a mistake. They said it would take XXXX5 business days to investigate. After 6 business days, I called and was advised to wait another XXXX5 business days. I use this account everyday and I travel frequently and this is causing a hardship. I want my account reinstated immediately due to Citibank 's error.
Product: Debt collection

I was a victim of identity theft in XXXX and recently in XXXX through XXXX. I was notified by IRS XX/XX/XXXX that I had been a victim of Identity theft which I was advised to check my credit report as well. When I checked my credit report I found two accounts that I did not recognize. They were XXXX and Monterey Collections. Once I found this I contacted the credit reporting bureau to place a fraud alert and to dispute those items. I submitted police report, IRS affidavit as well as ID social security card and an insurance document to verify my identity. I sent it to XXXX and XXXX Credit Reporting Bureaus and I also sent it to XXXX and Monterey Collections. After that I recieved a letter from Monterey Collections stating that they legally did not have to verify any information with me because of a 30 day clause. So, I did contact them and let them know that I just became aware of the situation that I have forwarded all documents to prove that this information was not mine. I also told them that another company was also reporting this information on behalf of XXXX. After that there was no other correspondence with either of the two companies. XXXX sent me a contract where they had my name and my husband 's name. So XXXX asked did I know who could have done this, I told them that I was not aware and I have not heard back from them either. But what they have done, they have sent to XXXX and XXXX that those account have been verified. However, those accounts that they are saying that are verified are not mine and they are only one account that is being reported as two. I then submitted a letter to both XXXX and Monterey on XX/XX/XXXX, since they said that they would not verify the account with me. In my letter I requested validation of the accounts pursuant to 15 USC 1692G Section 809B of the FDCPA. I also included in this letter that until the items that I have requested have been validated that they are not to continue to keep reporting to the bureaus and that they have 30 days from XX/XX/XXXX to provide documents of which they have not done. Also XXXX claims that these items are no longer appearing on my credit report which is false information. They are still reporting as a Open/late account and Monterey Collections is reporting as Open/Collection. I spoke with XXXX with Monterey Collections on today, XX/XX/XXXX who stated that she received my letter requested for Validation and Cease and Desist of any collection activity and reporting and they have continued to do report false information without providing requested documentation or verifying the documentation I provided to both companies. Therefore I am emclosing those same documents submitted to XXXX and Monterey Collections to your office regarding this complaint.
Product: Debt collection

I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges that are indicated on the report : I have enclosed a copy of my FTC Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to immediately stop all collection activities about this debt, including reports to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft.