23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}, {$300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification  for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$300.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered inquiries on my credit and XXXX XXXX report that aren't mine. I never applied for alot of information being reported, as well as, I never had a bank of america bank account. So much is inaccurate on my reports that I don't have the slightest clue on how to get all of this off. XXXX XXXX shows up alot on my reports and I don't who they are either.
Product: Debt collection

Hi Portfolio Recovery Associates Inc, On XXXX, XXXX XXXX XXXX issued check # XXXX to me to mail and pay off the balance of {$880.00} for my XXXX account ( managed by XXXX XXXX ). On XXXX, I mailed check # XXXX to XXXX XXXX XXXX XXXX  to pay off the balance however, on XXXX the check was endorsed and deposited by Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) into a Misc Deposits account. After realizing the payment was missing, I opened 4 disputes with XXXX XXXX XXXX XXXX XXXX Disputes opened on XXXX, XXXX, XXXX, and XXXX ), I was assured the disputes were denied and the payment were not applied to my XXXX account, due to the check not being cashed by XXXX XXXX but being cashed by Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) ( Please see attached check for confirmation ). XXXX XXXX ( Corporate Consumer Relations Senior XXXX at XXXXXXXX XXXX XXXX suggested, I contact Portfolio Recovery Associates ( PRA ) via phone at ( XXXX ) in addition to the Consumer Financial Protection Bureau complaints ( Complaint Number ( s ) for PRA are XXXX and XXXX ) for further investigation. XXXX XXXX XXXX suggested Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) conduct an investigation by reviewing their remote deposits report from XX/XX/2022 and confirming the check is on the Remote Deposits Report. After I contacted Portfolio Recovery Associates via phone at ( XXXX ) and the Consumer Financial Protection Bureau ( Complaint ID # XXXX and XXXX ) regarding pulling their remote deposits to locate the missing check and provided them with my full social and spelling of my name, I was told several times, they will not conduct further research or an investigation with an account number. According to the response from a Portfolio Recovery Associates Inc representative in regards to Complaint # XXXX, PRA investigated my complaint, and found XXXX XXXX sent the funds to PRA with instructions to credit those funds to an account that was not mine, and PRA has requested that the funds be refunded to me and no further steps or follow-up actions are required. 
I did receive Check # XXXX for the amount of {$880.00} via USPS, however I did not receive any documentation confirming XXXX XXXX sent the funds to PRA with instructions to credit those funds to an account that was not mine. The documentation is needed to dispute the interest charges that occurred due to this error. To remove the interest charges from my XXXX XXXX XXXX Bank account, please provide me with documentation confirming XXXX Bank sent the funds to PRA with instructions to credit those funds to an account that was not mine. 

Thank you for your time and assistance with this investigation.
Product: Prepaid card

I have three AMEX {$500.00} gift cards that I have tried to use online via various vendors as well as in-store to no avail. See declined transactions below from XXXX ( online ) and XXXX XXXX XXXX ( in store ). I also attempted to use via XXXX XXXX a number of weeks ago which was also declined as well as add to my XXXX account ( declined ) and XXXX XXXX. The point of these cards was to spend on needed items and not useless things. At this point a check in the amount of {$1500.00} would be ideal. 

Card # 1 DATE/DESCRIPTIONAMOUNT XX/XX/XXXX, XXXXXXXX XXXX Declined - Missing security code XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - XXXX, MA {$500.00} XX/XX/XXXXXXXX XXXX XXXX Pending - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX, MA - {$0.00} XX/XX/XXXX, XXXXXXXX XXXX Pending - XXXX XXXX - XXXX - XXXX XXXX XXXX NY - {$0.00} XX/XX/XXXX, XXXXXXXX XXXX Processed - System - + {$500.00} Card # 2 DATE/DESCRIPTIONAMOUNT XX/XX/XXXX, XXXX XXXX  Declined - Missing security code - XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX, MA {$500.00} XX/XX/XXXX XXXX XXXX XXXX Pending - XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - XXXX, MA - {$0.00} XX/XX/XXXX, XXXX XXXX  Declined - Missing security code - XXXX XXXX XXXX XXXX XXXX XXXX XXXXK, NY {$160.00} XX/XX/XXXX XXXX XXXXXXXX XXXX  Pending - BXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX {$0.00} XX/XX/XXXX, XXXXXXXX XXXX Declined - Missing security code - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY {$160.00} XX/XX/XXXX XXXX XXXX XXXX Pending - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX {$0.00} XX/XX/XXXX, XXXXXXXX XXXX Pending - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX, NY XXXX {$0.00} XX/XX/XXXX, XXXXXXXX XXXX Pending - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX {$0.00} XX/XX/XXXX, XXXXXXXX XXXX Declined - Missing security code - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX NY {$160.00} XX/XX/XXXX XXXX XXXX XXXX  Pending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX {$0.00} XX/XX/XXXX, XXXXXXXX XXXX Processed - System - + {$500.00} Card # XXXX DATE/DESCRIPTIONAMOUNT XX/XX/XXXX, XXXXXXXX XXXX Declined - Missing security code XXXX XXXX XXXX XXXX  # XXXX - XXXX - XXXX, MA {$500.00} XX/XX/XXXX XXXX XXXX XXXX Pending - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, MA - {$0.00} XX/XX/XXXX, XXXXXXXX XXXX Processed - System - + {$500.00}
Product: Debt collection

As you know we are in the middle of a pandemic people have been laid off or otherwise let go because of this situation. It seems however that Capital One bank doesn't seem to care about the well being of their clients as ive noticed that they have reported my credit card payment as late and affected my credit score by more than 60 points, I guess Capital One has no morals at all. This is completely unacceptable behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Check My Credit And I was so amazed That I'm a victim of identity Theft someone has been Using My credit for there benefits, they went shopping for a car and tried applying For Credit. This is crazy, I'm Highly Upset about This Situation I did not give anyone Consent to open Any Accounts using my personal Information this is Fraud on all Accounts.
Product: Credit card or prepaid card

This relates to an XXXX XXXX XXXX card. For years this card was administered by XXXX  XXXX XXXX, without problems. Their online access was pretty much error free. 

Recently the XXXX card administration was changed to Comenity Bank/Bread Financial . I signed up for an online account, created a password and have not been told the password I use each time is correct. However each time I've tried to access the account it denies access. 

The message says it doesn't recognize the computer I'm using and asks for a one-time access code, which I can obtain XXXX of XXXX ways : text and e-mail. But the boxes for those options say mobile phone unavailable/e-mail unavailable. 

Now this simply isn't true. Comenity/Bread has my e-mail and e-mails me constantly, so that shouldn't be an issue. ( They have a very limited list of mobile phone providers ( maybe XXXX ) and mine isn't among them -- so receiving a text is not possible for some obscure reason. ) I have called and talked to customer service repeatedly for a total of several hours, including a supervisor. All of them have told me ( in heavily accented XXXX ) that their records show my e-mail address and they can't understand what's going on. Further, they say they can't fix the problem, and there's no technical support available available to fix it. So good bye. 

In other words, buddy you're just out of luck.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these entries are fraudulent. As per 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent accounts resulting from identity theft blocked and removed from my credit file. 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act the following creditors and/or collectors have committed violations -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 XXXX15USC 1681 SECTION 602A states I have a right to privacy ***15USC 1681 SECTION 604A SECTION 2 states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I affirm that the information provided above is accurate and true to the best of my knowledge. I acknowledge that any false statements or omissions may result in legal consequences, including penalties for perjury as defined by the laws of the United States, whether conducted within or outside the country. Furthermore, I confirm my legal authorization to pursue this dispute under federal and state legislation. I know that including significant factual errors or omissions constitutes a federal offense punishable under 18 U.S.C. 1001. Similarly, making false statements is prohibited by 18 USC 1621. It has come to my attention that my Chexsystem report contains accounts in my banking credit report that are unrelated to any accounts I have personally initiated. I assert that someone or an organization has improperly utilized my personal identifying information without my consent to apply for goods, services, or financial resources. I kindly request a senior official from said company to verify, under penalty of perjury, that I have indeed obtained these fraudulent accounts. It is unlawful for these businesses to engage and include unauthorized banking accounts on my banking credit report. These actions have caused significant stress and distress for which there is no justifiable reason. I want to emphasize that I did not authorize these accounts, as they do not belong to me. I implore you to thoroughly investigate this matter and promptly remove these erroneous entries from my Chexsystems report. I implore you to please remove these items immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding inaccurate and unauthorized hard inquiries on my credit report. Despite my previous attempts to resolve this issue, including a dispute with the credit bureau, the inquiries in question remain on my report. 

Description of the Problem : - I have identified several unauthorized hard inquiries on my credit report. 
- I contacted the companies listed as having performed these inquiries, and they confirmed that they do not have any record of performing these inquiries and do not recognize me as a customer. 
- As a result, these inquiries are negatively affecting my credit score. 

XXXX. Legal Basis violation the credit bureau To the FCRA : - Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report. 
- The relevant sections include : - Section 611 ( 15 U.S.C. 1681i ) : Credit bureaus must investigate disputes filed by consumers. 
- Section 609 ( 15 U.S.C. 1681g ) : Consumers have the right to access information in their credit reports. 
- Section 604 ( 15 U.S.C. 1681b ) : Regulates the circumstances under which a credit bureau can furnish a credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

XXXX XXXX Account # : XXXX Account # : XXXX On Experian and Transunion, the the payment history shows on this account as follows : XXXX XXXX-Past Due 30 days ; XXXX XXXX Due 30 days ; XXXX XXXX Due 90 days. Whereas Equifax Credit Report, is not reporting this account at all. 

The consumer reporting agencies need to report all information with complete accuracy. This account are being reporting inconsistently across credit report which violates the Fair Credit Reporting Act. I've attached a copy of my report to this complaint. I am now requesting you to investigate this account and update these payments to paid on time on all credit reports immediately or remove the accounts entirely! 

Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXX XXXX XXXXXXXX
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 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 redres. for these violations.
Product: Debt collection

I received a letter dated XX/XX/23 from McCarthy, Burgess, and Wolff stating that I owe a debt of {$400.00} I quickly sent a certified letter back asking the collector to verify that this bet is mine. This is because I believe the debt is actually a family members debtnot mine. They responded back with a letter with no proof showing that the debt is minejust amount owed, account #, and just listing me as the customer. After reviewing the collector online, I feel they are going to put an unverified entry on my credit report and hold the credit report hostage until I pay for an unverified debt.
Product: Student loan

Student Loan direct. They called me after I graduated college. They had been calling me for sometime. Because I work for the govt, I never thought about a scam because they had most of all my Info. I Know I could have qualified for this program, and our house had burnt a week before and I thought this was legit. They told me because I was govt. I could get student loan forgiveness. They told me they would take care of almost all the loan but I need 4 payments of XXXX, that was my share of the remainder. So they took.all payments out. I called to check on my. Loans and there has been no payments made nor anything removed or relieved. The office of ombudsman said to contact everyone. I. Called the bank and all that. It's scary that they took that much money from me and I saw no concern about this at all. It seemed legit. Now my loans are all screwed up. I now owe my school and I'm out {$240.00} x 4. This really sets me off. If you look at the reviews they also use other Alias to collect. All the money they have taken is on the XXXX  WEBSITE. Hope they send them all to the chamber for doing this to low income families. Please stop this circus. My case is just one of the millions. I was on the phone for 5 hours listening to the student loan lenders that I had been a victim of fraud. Had I not checked on my loans, I would have never known what was promised, never happened. Way to go scammers. I hate that you sleep at night after taking advantage and lying to people day after day. Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Everytime I go to sent a moneygram to my son XXXX XXXX they keep stopping the transactions. This has happened quite a few times and then they take 3 days to put it back into my account. I send the money on line as I thought it would be faster, but the on going problems of them not letting me send it is frustrating. And they don ; t tell you if it did not go through as I had ended up also alot of times sent it twice without even knowing that I had did.
Product: Credit reporting or other personal consumer reports

I'm a victim of the data breach and i would like all of the account from XXXX to be deleted and blocked pursuant to 15 USC 1681c-2 ( a ) XXXX XXXX XXXX XXXX XXXX Bankruptcy
Product: Debt collection

Convergent Outsourcing is attempting to collect a debt that I do not believe is my account. I've been a XXXX customer since XXXX, so I have no idea why they think I wasn't paying XXXX in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an unauthorized hard inquiry into my credit on my Equifax Credit Report. I disputed it, and roughly XXXX days later, they said they completed the investigation and left the inquiry on my file. I told them it is fraud, and I had contacted XXXX who confirmed someone had used my SSN and Name to open an account with them. Equifax refuses to do anything further about it and is dumping the problem totally on me. The only reason anyone was able to GET my information was BECAUSE of the massive Equifax data breach -- they need to be doing more to help people who have been impacted by the data breach and have had their information stolen.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request a thorough investigation into the account information related to the alleged fraudulent account, which Capital One claims to be mine. I believe that Capital One 's actions in this matter are in violation of federal laws, including 15 U.S.C. 1681c-2 and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). I am seeking resolution and clarification regarding the following matters :
Product: Credit reporting or other personal consumer reports

I simply asked for proof from Experian and challenge them many times, but they have background pencil pushers that dont wan na provide information. Its like a cat and mouse game honestly and Im getting tired of it. My daughter was compromised. I asked for proof that I open these accounts and was never sent anything And they keep denying claim after claim after claim give me a break OK
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX To whom it may concern, This account XXXXXXXX XXXX XXXX XXXX XXXX XXXX was charged off XX/XX/XXXX. It is to my understanding that a charged off account should not include an active payment history. This manipulates the date of last activity. Please delete this account. 

I have attached my ID to this letter.
Product: Credit reporting or other personal consumer reports

I am a victim of a severe form of Human Trafficking pursuant to the final rule on Human Trafficking. On XX/XX/2024 I put in a request to have accounts and inquires blocked due to adverse information being reported due to a severe form of human trafficking. on XX/XX/2024 they sent me a pdf email stating " Account information disputed by consumer ( Meets requirements of the Fair Credit Reporting Act '', which is false and misleading. They are violating my right to privacy. I have not recieved any prior notice about anything being reported on my credit report nor have gave my expressed, written or verbal consent for anyone to post any thing to my credit report. As well as violated my rights to opt out as well.This is a Civil liability for willful noncompliance pursuant to 15 U.S. Code 1681n.I am seeking {$1000.00} per violation commited by Experian during them entire lifetime of them accessing my credit profile, Plus damages and a full financial disclosure, XXXX, XXXXXXXX entries for the name XXXX XXXX because I am aware you sell people information and I would like my cut on what you make on that as well.
Product: Student loan

Hi, I got out of school about the summer  of 2016 at University XXXX XXXX XXXX and I had put in a change of address that summer at the home I was living in and it kept sending it to my old address where I had lived before I left college and I put in a change of address at our local post office here in XXXX, PA and they said they had sent letters and documents to my house for me to fill out and get back to the loan provider and I never received any type of paper work or any type of payment option to get my loans paid off and it was negatively affected my credit score and it should be removed because the address was not a fault of mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2023 SYNCB/PAYPAL XX/XX/2023 XXXX CARD SERVICES XX/XX/2023
Product: Checking or savings account

Closed my account with notification and no one can explain why. No letter or email.