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

I opened a PNC cash rewards credit card in XX/XX/XXXX. I opened the card along with a checking and savings account. I found an advertisement online regarding promotions for {$300.00} ( for opening an checking/savings account ) and {$100.00} ( for opening a credit card ). The CSR said she opened up both accounts and gave me both promotions, but she had some IT issues and had to get her manager to enter some information for her. 

I met the requirements for both bonuses and I eventually received my {$300.00} reward. However, PNC did not pay the reward for the credit card. I called numerous times to PNC in XX/XX/XXXX and eventually got to a retail escalation agent. I documented contact with XXXX XXXX at XXXX ( reference number XXXX ) on XX/XX/XXXX. She basically said that the CSR did not enter the promotion code upon opening and I did not qualify despite meeting all the requirements of that promotion ( they are still currently running the promotion ). She refuse to send me an email documenting the circumstances and I called again to another retail escalation representative and she would not send an email documenting the details either. 

Given the lack of transparency, I'm confident they know what they did was wrong. The CSR either lied about me not requesting the promotion or had IT or training issues. I believe that the false advertising may qualify for a UDAAP violation and civil money penalties for all potential PNC credit card customers.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation orchestrated by Fake Coinbase Customer Support/card @ coinbase.com which involved me making deposits for a total amount of XXXX ETH ( XXXX USD ) from my Coinbase Inc. account to the fraudster.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries on my XXXX XXXX XXXX XXXX report that I do not recognize. They are negatively affecting my credit score. 

XXXX XXXX XXXX Inquiry : XX/XX/2017 ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2017 - Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I did not give permission to run my credit to these companies.
Product: Checking or savings account

I got a small business loan in 2021 as a XX/XX/XXXX. Capital One Froze My Account & Told Me They No Longer Wanted To Continue Doing Business With Me After I Submitted Requested Documentation. They Didn't Close The Account, Refund The Money, Or Write A Check For My Remaining Balance. They Kept The Account Open & Collect Interest Every Single Month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX  and explained to them that my name is not correct on my XXXX. One name that is on my credit report as the same name as a person who lives close to me from Florida. I had to go threw a lot to get all his matter that was on my report off my report. And the other name on there, is wanted for XXXX, and I am always getting asked if I am that person. My name is XXXX XXXX XXXX XXXX, it shows this on my dr lic and it shows it like this on my birth certificate. I contacted XXXX  2 times in the month of XX/XX/2020, and explain this to them, both times I was told everything was off, and just my name appears on their. But when I go on line, I see different. So the second person I asked him to send me a copy of my XXXX  credit report. And just like it was on line, my info was still incorrect. I asked to speak to a supervisor multiple times, and keep being stuck in que on hold for hours. I just want my name and address correct, it is to much fraudulent things going on, and I am just trying to protect myself. And I should have only one address, Ive lived at this address for over 40 years. Sorry for this, but I cant reach out to XXXX, their customer service is horrible.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I updated my square retail Pos profile I called support to assist me with the update when I was on the call with the support team, they wouldn't answer any of my concerns about my account the rep just kept talking over me and told me to let him know when I get to a certain page so he could help, me get the information updated, that didn't happen on XX/XX/2022 I received a invoice payment to the account totaling XXXX the first part was XXXX and today the balance XXXX. Square froze my account blocked deposits and now they are asking me to submit 3 months of bank statements, I'm not taking out a loan. I'm trying to understand if there was any issue why I wasn't informed before payments started showing up,. I did reach out to then only to be more disappointed with them, they say the Law now requires them to do this to square accounts, I did request to get all this in writing. after calling in over and over one rep found the issue and stated it was an error on the Square end when the rep went to update my profile he didn't update he just opened up a whole new Square account under my original account I had for years. the problem is they want to hold my funds until they figure out how to transfer the funds in my account or I can just to what they want and submit 3 month of bank statements to verify the account because I'm showing two accounts with Square.. There is no transaction history to show because its not a new account, but its showing up as a two day new account according to them, they need to be held accountable for this hardship they are unprofessional and this is unacceptable they need to put my funds into my account without further delay and correct the issues they caqused..
Product: Credit reporting or other personal consumer reports

This is not my address, I have never lived at the following address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed all of these Auto finance inquiries I didn't authorize : XX/XX/22 COAF XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 CAPITAL ONE AUTO FIN FINANCE XXXX XXXX  XX/XX/22 XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX - XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account XXXX XXXX BALANCED {$790.00}
Product: Credit reporting or other personal consumer reports

Accordance with the Fair Credit Reporting Act this creditor has violated y rights under 15 USC 1681 section 6 o2 states I have the right to privacy ( 15 USC 1681 ( section6 o4 section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666ba creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company regarding the derogatory information being reported to my credit bureaus. My first Debt Validation letter was signed and received by them on XX/XX/XXXX. I received no proof of this debt belonging to me. I later sent a second letter advising them to delete this negative information from my credit reports as they have not provided any validity that this debt belongs to me. They signed for this letter on XX/XX/XXXX. Again, i have received no response. This is a clear character violation and lack of validation. I have given over 30 days to respond regarding my dispute with no proof in sight. How is it possible for them to continue reporting clearly Unverified, Invalidated, and Inaccurate information to my credit report? I am requesting this company to immediately remove this erroneous invalidated information from the three major credit bureaus : XXXX, XXXX, and XXXX. I am also requesting a physical deletion letter be mailed to me directly.
Product: Debt collection

Dear Sir/Madam, I am writing to dispute the alleged debt mentioned reported by your company. This account is fraudulent, and I have never had any prior relationship or entered into any contract with either of these companies.

The reporting of this account violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this, I am requesting the following documentation : 1. Proof of your authorization under 15 USC 1692 ( e ) and ( f ) to collect this debt.

2. The legal basis for collecting this debt.

3. Proof of your authorization to operate in my state. 4. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 5. A full account history, including all related charges.

Your actions violate FDCPA 1692d, 1692e, 1692g ( b ), and 1692f. I demand the immediate removal of this fraudulent account and a prompt resolution of this matter.

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX on XXXX shows as 30 days past due and on XXXX as 60 days past due. In XX/XX/XXXX, XXXX shows as 60 days past due and on XXXX it shows as 90 days past due. In XXXX of XXXX XXXX is reporting me as 90 days past due and In XXXX of XXXX XXXX XXXX  is showing me as 60 days past due but says the last payment was received in XX/XX/XXXX and then in XXXX and XXXX of XXXX, the past due days jump to XXXX. On XXXX in XX/XX/XXXX, its reporting as 120 days past due and in XXXX of XXXX, it drops to 90 days past due with the last payment being made in XXXX of XXXX and then it jumps to 150 days past due in XXXX and XXXX of XXXX. On Transunion XXXX late payments are reported. This inaccurate and inconsistent information and XXXX XXXX is direct violation of the FCRA and CFPB regulations. Please remove this from my credit immediately and I am also requesting {$1000.00} for each violation. I have disputed this account on several occasions with the credit bureaus as well.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice 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 items that I am asking you to verify as accurate. XXXX XXXX ACCT # XXXX
Product: Credit reporting or other personal consumer reports

I feel like all three credit bureaus are not being fair on my credit scores have not went up in XXXX on good payments history I have made and it's unfair to take XXXX points from my credit score just for a hard pull from the bank to apply for a increase on my credit limit which is approved by the bank
Product: Credit reporting or other personal consumer reports

I never had an account with any armed forces bank but it keeps reappearing on my credit report. i have disputed this in the past. i have called and been on hold and transferred all over the place. everyone that i have spoke with there has confirmed that i never had an account with them and they have provided me with a letter indicating that it would be removed but it is back on my credit reports. I have never been in the military or the armed forces and i am not married and have never been married to anyone in the armed forces. I would like it to removed from my credit reports permanently. its showing an amount due but it is not my account.
Product: Credit card

I am writing to your agency in hopes you can help me to dispute some charges made on my XXXX. I got contacted by XXXX by an unsolicited phone call. I paid them a total of {$8500.00}, which {$4500.00} was on my AARP visa card. XXXX promised me for services that were never rendered. I started with them on XXXX/2016 they called me saying I needed their services in order to my online business make money. I received nothing to this day. I was informed that I have 538 days to try to dispute. I decided to take a chance since I got involved in a mess. I lost close to XXXX paying these fraudulent companies and they ignored my calls after a while.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with representative from XXXX advised that I needed to contact the collection agency. I called and talked to a representative who in turn gave me a fax number so I can submit the necessary documentation. I was incarcerated at the time the said account was opened as well as numerous inquiries were made at that time. I have submitted the necessary dicumentation
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

Several inquiries were made in my name on all 3 credit bureaus beginning XX/XX/2023. An XXXX XXXX XXXX XXXX was approved in my name although I never applied for it and I never requested these inquiries on my credit. I received an alert from my bank and then an email stating the credit card was on its way. I notified XXXX XXXX that this was a fraudulent request and the card was cancelled before the thief even received it in the mail, although they had already activated it online. I correct the email address and phone number XXXX had listed for me since it belonged to the thief and not me. I activated a security freeze on my XXXX and XXXX accounts so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed a fraud alert on my credit report. I am still getting unadvised credit inquires on my XXXX credit report. I have contacted them to remove these inquires and they will not do so.
Product: Credit reporting or other personal consumer reports

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. I can not fathom how my pleas for help have been met with indifference and stony silence. The anguish and turmoil I have endured due to identity theft is overwhelming, and your bureau 's unconscionable neglect has exacerbated my suffering. I demand that you immediately acknowledge and investigate my identity theft disputes. Your reluctance to do so is incomprehensible and infuriating. My rights as a consumer have been egregiously violated, and I demand justice. These are the accounts that I'm disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete these accounts immediately.
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized and inaccurate collection account on my credit report from Equifax associated with XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, Equifax has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.
Product: Credit card or prepaid card

I requested a new credit card from capital one. Mailed out. Seems my mail has been stolen from the USPS system by a letter carrier at an XXXX. Charged at XXXX transportation at XXXX XXXX honore XXXX XXXX Il. XXXX XXXX is owned and operated by the below contact found by using sec of state here in Illinois and XXXX Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone number XXXX I live at XXXX XXXX XXXX XXXX XXXX ok XXXX which is 22 + miles away.
Product: Credit card or prepaid card

On XX/XX/17 I received a hard inquiry on my personal credit score from First Bank in Colorado. It might have been from me simple asking if I am eligible for a credit increase but my phone disconnected shortly after so I decided to forget about it. My only credit card with first bank has always been {$500.00} from the beginning since I wasn't able to proceed to ask for credit increase.
Product: Credit reporting or other personal consumer reports

UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.
Product: Vehicle loan or lease

XXXX, ND, XXXX XX/XX/XXXX Error in Credit history Ally Financial XXXX XXXX XXXX XXXX XXXX, MI, XXXX To whom it may concern, On XX/XX/XXXX, I financed a car XXXX XXXX, VIN : XXXX. I made this purchase in Maryland, from XXXX XXXX XXXX XXXX dealer ship through Ally Financial. 
Due to an accident on XX/XX/XXXX my car got totaled, my primary insurance company ( XXXX ) didn't pay for the loss because I was driving for XXXX ( XXXX driving ). XXXX XXXX XXXX XXXX introduced by XXXX handled my claim with Ally Financial. XXXX XXXX issued a check ( n/a ) to Ally Financial for the amount owed as it was stated by one of the officials in customer service department Ally Financial. The money has been paid in full to Ally Financial but for some reason it still shows under my credit report. I contacted XXXX XXXX and shared the matter, they contacted Ally Financial regarding the mentioned matter. Ally Financial approved the information provided by the XXXX XXXX ( Money paid in full ). XXXX XXXX offered to send a different check upon return of the previous check. Ally Financial didn't accept and stated through the phone conversation that the matter will be solved within 2 weeks. 

I have been contacting Ally Financial since XXXX regarding this matter and they have been transferring me from one department to another and stating that they can't access my account ( files ). I am a family of 5 people, no matter what I have done. I haven't been able to improve my credit. This auto loan has been holding me and have ruined my credit history. I need help with this issue to be solved. I don't know what else do I have to do, to fix this. I would really appreciate your assistance in mentioned matter. 
I look forward to your reply and a resolution to my problem. 


Sincerely,
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/delete any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance Owed : {$890.00} XXXX  XXXX NA XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that the agency/office sends me valid proof that I am legally obligated to pay the agency
Product: Credit card or prepaid card

I Got a XXXX account from Credit Karma and they locked my card for reason did inform me or tell me why I have thousands of dollars in my account that I can not access and it is the only money I have to take care of my family.