23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Blockchain.com stole my money On XX/XX/XXXX I received the equivalent today of {$200.00} in a blockchain account, sometime in XXXX there was an upgrade to Blockchain software that did not allow me to log in through my phone app. I opened another account and tried to move then funds to the new account and was not posible. One account under my email XXXX every time I go to the account I can see the balance but the account freezes and doesn't allow me to send, move exchange or whatever with the funds. I have written multiple correspondence but Blockchain.com has never attempted to fix the bug or correct the problem offering me vague answers about private wallets etc etc, without ever considering that I can not navigate in that account because it is not working properly. 
On the second account that is under another email I have XXXX I was able to make some transfers but the last transfer done in XX/XX/XXXX it is stuck in " sending '' for already two weeks. again their answers are vague and never addressing how I can recoup the money or finalize the transfer. I have provided multiple screen shots and explanations and none off the two problems have been resolved. I get automated answers not answering my problem and my money is practically lost or stolen by Blockchain.com I have been willing to give them my passwords or phrases or anything they want just to recoup the money as I don't care about privacy after I recoup my money as I will transfer the funds to a reliable account in another place.
Product: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these items in the credit report. 

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

In accordance with the fair credit reporting act the following creditors have violated my rights : ( XXXX ) XXXX - Acct # XXXX ( XXXX ) Office of the Atty General - Acct # XXXX ( XXXX ) XXXX XXXX  XXXX Acct XXXX XXXX ( XXXX ) XXXX XXXX XXXX - Acct XXXX XXXX ( XXXX ) 15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card or installment account under an open-end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My only name should appear as XXXX XXXX XXXX my SS XXXX my DOB is XX/XX/XXXX please remove any variation on my name and SS #. 
This is the 2nd or 3rd time I have file a complaint .I recently started looking over my credit report and I found accounts and addresses that I do not live at on my credit report. I have requested the following companies send me legal documents that verify name address who, what, where, why, when where these accounts opened. I didnt receive any response back. The following account are not mine : XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX XXXX XXXX****, XXXX XXXX # XXXX****. 
There is a bogus SS number on my XXXX report XXXX XXXX ) Trans Union has These are the unknown addresses on my credit report : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I was told to file a police report and a FTC report.
Product: Credit reporting or other personal consumer reports

I did final disputes and at certain point they did take some of the inquiries off but during covid they actually put them back on and they double put them back on my credit score went from a XXXX during covid and had a negative inquiry come up I disputed the inquiry and it then reappeared three more times dropping my credit score over XXXX points and has not gone back up since XXXX resolution
Product: Credit card

We were finalizing a trip to XXXX and purchasing theme park tickets on XXXX. The total was for {$1900.00} and while checking out, it asked if we wanted to apply for the XXXX card by Chase, upon approval we would receive {$200.00} statement credit, plus the XXXX vacation would be placed on 6 months special financing. So we decided to apply and got instant approval and placed the XXXX vacation on the Chase XXXX Credit card ( even if you do n't have the card with you, instant approvals are allowed to use their new accounts on XXXX ). When we received our bill, we were charged interest on that transaction. When I called in, Chase stated that my purchase did not qualify because it had to be booked as a " package '' through a XXXX travel agent. If it needed to be booked by a XXXX travel agent instead of XXXX, they should not have advertised that promotion on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion should not be reporting that I am ( 30 ) days late on the LENDMARK partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it would be impossible to be late on an account where nothing is owed. This false reporting of lates is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Debt collection

Notice of Subrogation and Substitution Re : Subrogation Rights, Account Substitution, and Reimbursement of Securities or XXXX Dear Bridgecrest Acceptance Corporation, This communication serves as formal notice that I am invoking my rights under the principle of equitable subrogation concerning the above-referenced account. Equitable subrogation provides a mechanism to assert rights and remedies that have arisen due to payment obligations, unjust enrichment, or other relevant legal or equitable grounds. 

**Purpose of This Notice : ** 1. **Claim to Subrogation and Reimbursement : ** As a party impacted by the transactions or charges associated with this account, I am exercising my rights to step into the shoes of the original creditor or other appropriate parties to ensure proper adjudication and resolution of claims. I also formally request reimbursement for any securities, chattels, or other collateral associated with this account. 

2. **Right to Substitution : ** I request acknowledgment that any rights, duties, and claims associated with this account are substituted to my control for enforcement against the appropriate party, as applicable by law. 

3. **Request for Ledger and Validation : ** Bridgecrest Acceptance Corporation must provide : - A comprehensive ledger detailing the accounting of securities, chattels, or other collateral bankrolling the transactions associated with this account. 
- Validation and full documentation of the debt claimed, including transaction history and specific references to any securities or chattels involved. 
- Proof of compliance with federal and state laws regarding debt transfer, collateral usage, and collection practices. 

4. **Fair Resolution Requested : ** To resolve this matter fairly, I propose the following : - Provide a complete and transparent validation of the debt, including a detailed ledger and accounting of all securities and chattels involved. 
- Cease all collection efforts until full validation has been provided. 
- Correct any inaccurate credit reporting and ensure no adverse actions are taken during the resolution process. 
- Reimburse any improperly assessed fees or amounts if the debt is found to be invalid or improperly handled. 
- Commit to clear and transparent communication regarding this account going forward. 

5. **Cease Communication : ** Bridgecrest Acceptance Corporation must cease any further communication attempts related to this account except as required to comply with this notice. 

**Next Steps : ** Please confirm receipt of this notice in writing within 15 business days of its date and provide the requested documentation and validation. Failure to comply with this notice may result in further legal or equitable actions to protect my interests. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a deposit to an inmate commissary account via my Southwest Visa issued by Chase. I placed {$19.00} on the account and accepted a {$3.00} fee to XXXX XXXX for the use of a credit card for a total of {$23.00}. The fee was based on a scale, which would have been more if I had placed $ 20+. Understanding the fees that merchants pay to credit card companies, I accepted the {$3.00} Fee. 

When I received my Southwest Visa Statement with Payment Due Date of XX/XX/XXXX, I found that the {$23.00} had been charged as a Cash Advance and a flat fee of {$10.00} had been added. When I called Chase Customer Service on XX/XX/XXXX, I was told the fees for Cash Advances were in my card agreement and additionally that interest would accrue until paid. I requested immediate processing of my auto payment to avoid additional charges. 

I do not feel that it is appropriate for Chase to take advantage of deposits to inmates. In my opinion, this was not a cash advance because I do not have control over the charged funds. If it was possible to send XXXX packages, I would. 

Furthermore, when I requested that Chase block my account from the processing of future Cash Advances, I was told that they could not. This is a predatory practice.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 section 602 I have the right to privacy 15 USC 1681 Section604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Mortgage

My spouse and I applied for a mortgage loan through our broker with Pennymac, who we are existing customers with. My spouse is in the military and we are purchasing a home to relocate. Pennymac requested excessive documentation related to my work and job transfer, which was provided. I submitted a letter from my employer explaining that my job transfer would not affect my employment status with the agency and I will continue to receive my current pay or greater and my transfer package was under review. This did not satisfy Pennymac and they wanted an approval or an explanation why it cant be approved at this time. I provided another employer letter explaining the process of the transfer approval and it is under review with management and HR. Pennymac still wouldnt accept this and requested I provide proof of telework. I provided proof of telework, but they still wouldnt accept this because it wasnt remote and they wanted my employer to provide proof that they would grant me remote status, which my position is not classified for. I said I will take leave on in office days, again, Pennymac would not accept this. Eventually they told us that our application is denied. They didnt even ask for proof of my spouse being relocated ( I.e. military orders ). They denied us on the day we were supposed to close ( XX/XX/22 ) after trying to provide them everything they requested. They were trying to tell me that they needed me to provide proof from my employer granting impossible requests, which could not be done due to union regulations and rules. Their requests were excessive and unreasonable and cost us time and money and most importantly, our house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX  GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am filing a complaint to request validation of the debt associated with the accounts LVNV XXXX on my XXXX report. I have no knowledge of this collection account and would like to verify its legitimacy. 

I have asked someone to Please provide me with the details of the debt, including the original creditor 's name, the amount owed, and any documentation that supports your claim. Under the Fair Debt Collection Practices Act, I have the right to request this information. 

Until I receive the requested validation, I ask that you CFPB take action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND CERTAIN ITEMS ARE APPEARING ON MY CREDIT REPORT THAT SHOULD NOT BE THERE, THEY DO NOT BELONG TO ME. I AM MAKING A COMPLAINT BECAUSE THE FOLLOWING FRAUDULENT ACCOUNTS ARE APPEARING ON MY CREDIT REPORT AND I WOULD LIKE FOR THEM TO BE DELETED : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX TEXAS XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX an inquiry from XXXX was placed on my credit report i do not recognize nor did i authorize this action. 

On XX/XX/XXXX an inquiry from navy FCU was added to my credit report i do not recognize nor did I authorize this action either. 

On XX/XX/XXXX an inquiry from XXXX  was placed on my credit report I have already reported this issue and the company said the inquiry would be relieved within 60 days but it is still shown on my credit report.
Product: Credit card or prepaid card

On XX/XX/2018 my bill for account MERCEDES-BENZ FINANC did not go through when it was on the auto-bill in the bank XXXX XXXX. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment.
Product: Credit reporting

They blocked my dispute I complained and they said to bad not doing anything I attached my proof they requested new lease, transfer order of electricity and cable I sent it the responded they will not use this information to investigate but it was information Experian requested specifically. They blocked me from the XXXX mail my online account and phone calls I cont have any contact with the company after complaining
Product: Credit reporting or other personal consumer reports

This letter is to notify the management named as Telecheck that your company placed and unauthorized inquiry on my credit report on XX/XX/XXXX  from : XXXX XXXX XXXX XXXX. I demand under FCRA : Section 604 : 1. Permissible Purpose. 2. My original written authorization ( not a copy ). 3. Proof of signature that I personally initiated this inquiry. Either provide me strict proof or DELETE the item immediately. If you do not delete this info within15 days I will take legal action. Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter. If you ignore this letter and do not delete the info or dont provide STRICT proof of authorization I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. You do not have permission to have or make any consumer account with any of my info such as Name, Phone, Email, Social Security, Passport, Drivers License, ID numbers, Address, Date of Birth * Permanently Delete my consumer account from your database and prevent
Product: Checking or savings account

I opened a money market acct on XXXX in the AMT of $ XXXX at a 3 month special rate of .65 %. 
On or about XX/XX/XXXX, XXXX XXXX told me that my special rate had been extended fo 30 days. I met with XXXX on XX/XX/XXXX and XXXX. XXXX stated that OZK would not extend the special rate for an additional 30 days. On XX/XX/XXXX, I closed the account. Only XXXX was credited to my account for the period of XX/XX/XXXX thru XX/XX/XXXX. Upon closing the account, XXXX assured me the interest shortfall would be credited to my regular checking account before the end of the day on XX/XX/2022. It was not and has not been credited to my account as of today, XXXX.
Product: Credit card or prepaid card

I am on both the national credit card offer opt-out list and the junk mail opt-out list. I moved in XXXX, 2017 and since then I have been getting repeating credit card offers from Capital One. I contacted them via social media and they provided a procedure for stopping the offers which I completed. Yet, the credit card offers from Capital One have continued non-stop. I repeated my contacts and they just keep referring me to their opt-out procedure. It would be foolish to keep doing it over and over without results. 

Several years ago, I had to contact this agency for the same reason and regarding the same company, Capital One. At that time, your intervention stopped the offers. Apparently moving to a new address gives them license to begin the incessant offers all over again.
Product: Credit reporting or other personal consumer reports

The TransUnion credit reporting service has been found to have made false claims regarding their direct communication with the courthouse over an extended period of time. Furthermore, they have failed to rectify the presence of inaccurate and non-relevant material on my credit report.
Product: Debt collection

THIS DEBT WAS PAID BY THE VIRGINIA CRIMINAL INJURIES COMPENSATION FUND TEL:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am new to united states and last year in XXXX I was assigned with my residency, work authorization and social security cards. I was educated as I have to built my credit I always stayed very low and alert on credit applications. I had a credit card issued by my spouse as a shared card initially so I can start my credit reporting but unfortunately that did not help. Hence I applied with verve & surge ( XXXX XXXX XXXX XXXX ) credit cards as they assist with low limits unsecured and report to all credit bureaus. I was approved and started using the cards and making on-time payments. Also XXXX XXXX and XXXX XXXX offered me unsecured credit cards and I accepted them. 
Since then I had been trying to access my credit reports on -line with these bureaus ( Transunion / XXXX & XXXX ), they always stated that they were unable to verify my identity as I am very new. Never received any supportive assistance. 
Then i registered with XXXX XXXX / XXXX XXXX XXXX XXXX XXXX  so that i can keep checking where i was with my credit score. 
Suddenly i started receiving credit alerts from card companies, personal loan companies & auto finance companies. These alerts were hard inquiries on my report without my authorization. 
So i called Transunion / XXXX & XXXX and i asked them to do something about it, again the response was very lame from all the three organizations because they were not able to verify me due to new social security number. Hence i asked them to place a security freeze on my file which i read on the annual credit reporting website. 
The dilemma still did not stop as several inquires were initiated and i kept on getting alerts for the same and finally my score kept going down. 
I raised several disputes with Transunion as XXXX & XXXX  always said that they can not verify any information for me. 
I seek your assistance for the same as this is affecting my current situation as now i am full time employed with a reputed financial institution as a Branch Banker and am looking to get a Auto - Loan and i do n't want any such discrepancies affect my purchasing power. 
I have somehow experienced identity Theft too as i keep on receiving several calls from Auto Loan collections agencies asking installment amount on my XXXX XXXX XXXX / Student loan  payment. I do n't have any such credits and these calls keep on asking for money. 
I seek your assistance to resolve the same as i tried my best but had no response. Probably if this goes from your organization i am sure they would all wake up and start working on my request and save me from the Fraud inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions