23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I contacted capital one few times and I explain to them I have n't open up any accounts and I have XXXX inquiries on my credit report I never applied for credit card Credit inquiries XX/XX/2016 XX/XX/2016 XX/XX/2016 XX/XX/2016
Product: Credit card or prepaid card

XXXX XX/XX/2022 XXXXXXXX XXXX XXXX I dont know who they are?
Product: Checking or savings account

To Whom It May Concern : Have been a customer of with PurePoint Financial, an online division of MUFG Union Bank. 
I repeatedly complained to various government agencies about their practice to interrupt outgoing transfers to their benefit at expense of the customers. I currently have a 13 months CD with them, opened XX/XX/2019. On XX/XX/2019 between XXXX and XXXX XXXX PST a person identified herself as XXXX ID XXXX manager at PurePoint Financial demanded over the phone as I complained a lot in the past about their fraudulent practices I am to close the CD and transfer the money out or, if I do not do it she stated the bank will close it itself in several days and send me a check, thus keeping the money interest free while I receive the check and transfer it to another institution. It is important to note that they offer lower interest now on the CD compare to what I received, so closing it is to their financial benefit. And she stated the bank will not pay any interest of penalty for itself breaking the CD long before the maturity. 
I clearly stated I DO NOT intend to close the CD and DO NOT give the bank a permission to do that. 
She stated it is irrelevant and hang up on me. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Theres accounts on my report listed below that I never done any business with they were opened fraudulently under my name and social I need this accounts to be removed immediately! 

XXXX XXXX XXXX XXXX XXXX owed {$290.00} XXXX XXXX owed {$520.00} 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

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 XXXX  t to subsection ( c ) any consumer reporting agency may furnish a consumer report un owing circumstances and no other : ( 2 ) In accordance with the WRITTEN ION of the consumer to whom it relates. I NEVER gave any consumer ting agency WRITTEN CONSENT to report anything on my consumer report which XXXXmy rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

My money two orders were stolen and the person that stole it deposited it at a local chase bank. The {$1000.00} Money order number XXXX & {$140.00} Money order number XXXX, were stolen, cashed at the local JP Morgan/Chase bank. I went to the chase bank and they won't reissue my money and told me to go to XXXX. I then went to XXXX and they said its the bank 's responsibility and won't reissue me another money order or refund me my money. Both JP Morgan/Chase and XXXX tell me to go to the other to collect. I just want my money, since the money order should not have been cashed, which is the bank 's risk when cashing money orders.
Product: Credit reporting or other personal consumer reports

I have in the past two years be engaged in my credit repair however i have had several inquiries on my credit without my authorization. 
I could not while paying to repair my credit in the same vein continue to create more problem to the same report. 
I want the following inquiries on my credit removed.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX Balance Owed : {$10.00} ; US DEPT ED XXXX Balance Owed : {$3500.00} ; US DEPTED XXXX Balance Owed : {$20.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Debt collection

- I paid for delivery of the XXXX XXXX XXXX for 10 continuous Sundays. I paid them {$28.00} on XX/XX/XXXX via credit card, for this service. 
- No paper was ever delivered, I contacted them via e-mail and phone 4 weeks in a row stating no paper was delivered. They kept swearing they would correct. I have copies of email responses on XX/XX/XXXX, and XXXX. No paper was ever delivered. I asked for a refund which was not received. 
- I then started to receive calls several times a week stating I owed them money, I told them it was the opposite they owed me money. They said they would communicate this to management. 
- Now I have received letters from a debt collection company twice stating I owe money to the XXXX XXXX XXXX. I contacting them and sent them written expiation on why I do not owe them money. 
- I have attempted to contact the XXXX XXXX XXXX 3 more times asking if this was a scam and to please remove any debt owed and to credit me my money for non receipt of goods. In my messages I stated if I did not receive a response I would contact legal services and local news. I never received a response.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the continued presence of fraudulent items on my credit report despite numerous previous attempts to have them removed. These fraudulent entries are severely impacting my creditworthiness, and I urgently request your intervention to address this persistent issue. 

This account was opened fraudulently and is not connected to me in any way. I have reported the identity theft and fraudulent activity related to this account multiple times. The debt is not mine, and I have provided supporting documentation, such as police reports, to substantiate these claims. 


I have reported this fraudulent activity to law enforcement, and it is not my debt. I have provided evidence to support these claims in previous disputes. 

This collection account is a result of fraudulent charges and has no connection to my financial history. I have diligently reported this to the proper authorities and the creditor. Supporting documentation, including police reports and incident reports, has been provided. 

It is disheartening to note that despite my previous disputes and the evidence provided, these fraudulent entries remain on my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies take immediate action to investigate and remove inaccuracies in credit reports. 

I respectfully request that you re-evaluate my past disputes and expedite the process to remove these fraudulent items from my credit file. I expect that you will keep me informed of the progress and provide me with a copy of my updated credit report once these inaccuracies are rectified. I am asking for your immediate assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX
Product: Student loan

In XX/XX/2018, I applied for a Total and Permanent Discharge due to being XXXX  XXXX. I returned my completed form and Nelnet ( the Federal Student Loan Servicer ) wrote me on XX/XX/2018 to inform me that my physician did not complete Question # 4 on the XXXX form. My physician completed Question # 4 and signed the form as requested on XX/XX/2018. On XX/XX/2018, I emailed the form back to Nelnet. Around XX/XX/2018, I received another written letter from Nelnet informing me that it had not received the updated information from my physician, which is untrue. I called Nelnet on or around XX/XX/2018 and spoke to a female representative who confirmed that my completed and updated form had been received but could not tell me the status of my account. I asked for my call to be escalated to a supervisor and spoke with XXXX. He informed me that all required information had been submitted and that he would escalated my case for a decision and call me back on Friday on XX/XX/2018. I never heard from XXXX. It is impossible to reach anyone at Nelnet who can give me an honest and reliable answer as to the status of my account. No one is able to explain why Nelnet keeps asking for information that it already has and why there has been a delay in processing my paperwork for the Student Loan Discharge to which I am eligible due to XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to car dealership and the dealer shopped my credit around, same thin happened when I applied for some credit cards as well. I ended up with 64 hard inquires. 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 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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # 's XXXX ( XXXX ), XXXX ( XXXX  XXXX ), XXXX ( XXXX XXXX XXXX  ), XXXX ( XXXX XXXX  ), XXXX ( XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX/XXXX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
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 seek appropriate redress for these violations.
Product: Debt collection

Week of XX/XX/XXXX I called and requested an itemized list of what they were claiming I owed. XX/XX/XXXX they mail a letter and an invoice from the original medical provider. The letter stated I owed {$41.00} but the invoice attached read as {$0.00} owed. When I called to ask again about the lack of consistency I am told that I owe {$370.00} but when I asked about the letter and invoice they tell me they don't know how the debt value was determined. When I try to ask why when I asked for an itemized of all my debts they think I owe the representative tells me that they did send me an itemized list ( referring to the letter and invoice with inconsistent outstanding balances ). The representative refused to discuss the information problem and would only discuss my payment options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an alert on my credit report saying someone is using my name, bank, bank account, ssi number, and old email I froz that noticed it was from the XXXX market under ground. I dont bank at this place no more and all they tried to use but it will affect my credit score. I will let the bank no of this also. Thank you.
Product: Checking or savings account

I transferred money from my Fifth Third checking account to a new account at a different bank. Even though my checking account had a XXXX balance as of XX/XX/XXXX, Fifth Third charged the account a {$25.00} service charge on XX/XX/XXXX. On XX/XX/XXXX I received a letter advising me to pay the service charge or it would be charged off and may be reported to a consumer reporting agency and passed on to a third party debt collection service. I do almost all of my banking online and when I transferred the funds I looked for but was unable to find an option to request the account be closed. I do not feel I should be charged a monthly service charge for an account with a XXXX  balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

All incorrect addresses and names should have been removed from my Credit Report. I called XXXX, XXXX, and Transunion in XXXX of 2021, and nothing has happened. I mailed out letters to the above Credit bureaus, and nothing has happened.
Product: Credit reporting or other personal consumer reports

I always make my payments on time, so I dont understand why this company is marking me late on some months. Under XXXX XXXX, billing mistakes should be fixed, and my account should show " paid as agreed. ''
Product: Credit card

In the middle of the night about a month ago, my account was broken into, either my Chime or XXXX, and multiple large purchases were made on my cards saved on the site. Nearly $ XXXX in transactions were made between XXXX XXXX in the middle of the night with money that I had saved as a graduate university student to use for rent and tuition. I even received an email during the time when those unauthorized purchase were made from XXXX saying that there was suspicious activity on my account and sending XXXX to malicious XXXX addresses, yet the merchant still let them keep purchasing more XXXX using my cards. I then filed disputes for these unauthorized transactions on XX/XX/XXXX, in XXXXour total disputes, XXXX on my debit card and XXXX for my credit builder card. I submitted plenty of evidence including my police report, my FBI cybercrime report, my report to the FTC, all the emails the merchant sent me detailing the purchases during the hours of XXXX or so and for amounts I would never think of spending such as a {$8800.00} purchase, the email showing them saying there was malicious activity, and answers to every question asked of me. Ive included some of that in the files below but Chime has much more detailed papers that Ive uploaded to their dispute portal. I uploaded this exact same evidence to all XXXX dispute claims, yet they were all just resolved this past week. The XXXX debit card claims were thankfully approved and shown to have unauthorized transactions. However, for some reason even with the exact same evidence and during that same period of transactions to that merchant as the approved claims, the XXXX credit card disputes, XXXX for {$1200.00} with ID : XXXX and XXXX for {$2100.00} with ID : XXXX. I dont understand how these claims could be denied while the other XXXX were accepted, with the exact same evidence, all XXXX should be approved or all XXXX denied, this is {$3300.00} as a broke college student that XXXX losing out on.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 and XX/XX/18 XXXX  made two separate fraudulent hard inquiries to my Transunion report. The contact phone number listed on the report is fake and no address for correspondence is shown. Transunion has not tried to work with me to remove the fraudulent inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

They hang up on you when they cant answer ur question. They need to update all fico scores for all credit reports not just XXXX  XXXX. Plus the score had been updated for 30 days 4 the last four years since having the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I got a New car from the XXXX dealership. I had a lease that I turned in at the same time ( did a trade in ). Everything went well and I made my payments like usual. On XX/XX/XXXX I noticed that my credit score went down abruptly, when I Investigated I noticed that I had a late payment with XXXX LT which I have financed my cars for the last 6 years. I inquire with them and they explained that the payment was misapplied to the old lease and not to the new one. My credit score went up and I let matters alone. Now XX/XX/XXXX I am trying to re-finance my property and I am unable to do so since a late payment is showing on my credit report. I should not be hit for a mistake I did not commit, I have made all my payments on time and this should not be my responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/XXXX, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts and inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy Reference # : XXXX Liability : {$0.00} Equifax XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} U.S. Bankruptcy Court Bankruptcy Reference XXXX XXXX XXXX Liability : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and noticed a fraudulent inquiry made to my credit. I have contacted the credit bureau and sent them supporting documents to show proof and they refuse to resolve this matter and violating the credit law. Please have them resolve this by removing the inquiry immediately! Inquiry listed below : XXXX ) XXXX XXXX XXXX - XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to request urgent corrections to my credit report, as it appears that my file has been mixed with someone elses. There are multiple accounts and personal details on my credit report that do not belong to me. Please review and update your records accordingly. 

1. Incorrect Addresses Please delete all addresses that do not belong to me, as I do not have access to or receive mail at these locations. The following outdated addresses should be removed from my file : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

On XX/XX/2019, I was informed by US postal service letter from Portfolio Recovery Associates ( PRA ) that they purchased a " debt '' of {$19000.00} from XXXX  XXXX credit card ( acct : XXXX ) which they claim was owed by me. On XX/XX/2019, PRA filed a bad debt with XXXX for the full amount of their claim. I have never had a credit card with XXXX XXXX nor any loans. After several calls to PRA to explain the issues, they did not research the issue and told me that the money was owed and there was " nothing I could do '' besides pay the full amount. I subsequently wrote a letter requesting documentation ( with my signature ) that I opened an account with XXXX XXXX and asked for written confirmation the charges and legal ownership of the account. PRA has never responded but does send robocalls at least once a day for more than 2 years to threaten me about the monies owed.