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

On XX/XX/XXXX, I attempted to make a purchase online and I realized I didn't have funds available. I immediately contacted XXXX XXXX  and reported that I didn't authorize any transactions done on my account. They told me they had immediately put a stop on my account and a hold on both pending transactions in the amounts of {$52.00} transaction # XXXX and the second of {$310.00} transaction # XXXX. They told me to call XXXX which was where the pending transactions were from, to put a hold there as well. XXXX did their part and held the transactions. XXXX told me they would refund me my money within 2-5 business days. The days passed and there was no refund so I called XXXX XXXX  and I asked them if they had received the funds and they stated that they had not. I called XXXX once again and they said that they had already placed the funds in my account. I called XXXX XXXX  once again and asked them to send me a new card so that I could see when my funds were going to be deposited since they had canceled the one I still had. When I received the card I saw that XXXX did not send me my funds. I called XXXX and said I hadn't received my funds even though I had already received my new card. They stated I had to speak with their manager and so I did with a translator and he told me I had to file a dispute with XXXX XXXX  in order to receive my funds. By this time 2 months had already passed. XX/XX/XXXX XXXX XXXX said they would send me an email so I that I could file my dispute online, but I never received it. I call them and tell them I had not received the email and they stated they would resend it. I received that one XX/XX/XXXX and fill it out and send it by mail. 15 days later I receive a letter dated XXXX XXXX stating that they have completed their investigation and that my claim was outside of the recovery effort timeline and that I no longer had a right to recovery. 6 days later on XX/XX/XXXX I receive a check from them in the amount of {$5.00} which was my remaining balance. I call them and asked why had they canceled my dispute and they said that there was absolutely nothing they could do for me. They insisted I call XXXX and ask for my funds back. So once again i go ahead and call XXXX and they tell me that they do have my funds, but that they need XXXX XXXX to send them my dispute to refund me my funds. I called XXXX XXXX for the last time and told them what I was told by XXXX and they said they couldn't help me. So now i'm here after this whole run around.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( B

lock , 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

After reviewing my credit report, I discovered accounts that I did not recognize or apply for upon further investigation. I realize that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and theyre negatively impacted my credit per section 15 USC 1681C 2 any fraudulent accounts that I did not authorize or sign a contract for must be removed off my credit report and four days These fraudulent accounts are not damaging my credit, but also causing significant stress and anxiety. I have no connection to these accounts, urgently immediate to prevent any further harm to my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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

For the past several years I have had excellent repayment status on all of my credit reports for XXXX and my student loan. Over the past 2 years I have attempted to remove information that is negative and/or over 7 years old even as old as up to 20 years old off my report from XXXX and most notably the Department of Education. I have many examples from my XXXX credit report showing wrong information and it needs to stop. If accounts are closed they can not be updated to continue on my record for 20 years! XXXX and Department of Education are not immune to Fair Credit! XXXX is just as guilty for allowing their illegal practices to continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to freeze my credit in the 3 major credit bureaus, Experian being one of them. Since then, I have received multiple marketing emails under the guise of " changes to my account. '' Thus, I am unable to unsubscribe from these so-called " changes to my account. '' Examples of the contents of the emails I have been receiving include the following messages : - " Don't just check your FICO Score*. Boost it! Now with Experian Boost, your FICO Score can benefit from the bills you already pay but haven't been getting credit for. '' - " Your Experian financial profile is ready, [ My name ]. As part of your membership, weve prepared your unique Experian financial profile to give you a snapshot of where you stand. Its now ready for you to see. '' Both of these emails have the following phrasing at the bottom of the emails : " This is not a marketing emailyoure receiving this message to notify you of a recent change to your account. If youve unsubscribed from Experian CreditWorksSM Basic emails in the past, dont worryyou no longer receive newsletters or special offers. '' BUT THESE ARE VERY CLEARLY MARKETING EMAILS. Experian is just trying to snake their way around having to offer users unsubscribe buttons while very evidently violating CANSPAM regulations. 

Here are also several posts complaining of the same issue : XXXX  : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please feel free to call me via the number provided or send an email address to the email I provided if you would like for me to forward these atrocious emails to you for evidence. 

To fix this problem is to stop sending me this garbage.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern regarding the numerous unsuccessful attempts and numerous requests to remove fraudulent items from my credit report. Despite my persistent efforts, the fraudulent entries persist, causing significant distress and financial harm. 

I first discovered the fraudulent items on my credit report. Since then, I have consistently reported this issue to your agency and provided extensive documentation, including police reports, affidavits, and dispute letters, to substantiate my claims of identity theft and fraud. 

Despite my repeated attempts, I have encountered a lack of resolution and continued reporting of these fraudulent accounts on my credit file. The extended delay in addressing this issue has had severe repercussions on my financial stability and overall well-being. 

I kindly request the following actions be taken promptly : A comprehensive and thorough review of my credit file to verify the existence of the fraudulent accounts. 

A detailed investigation into the origins and validity of these accounts, which I assert are the result of identity theft. 

Immediate removal of these fraudulent items from my credit report. 

An explanation for the prolonged delay in resolving this matter and a clear outline of the steps being taken to expedite the correction process. 

Written confirmation of the actions taken to rectify this situation and a specific timeline for their completion. 

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies promptly investigate and correct inaccurate or fraudulent information on consumers ' credit reports. I expect that your agency will adhere to these federal regulations and work diligently to resolve this matter to my satisfaction. I am asking for your assistance to remove the fraud items : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Inquiry : XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX company contacted my employer and cause my employer to harassed me after they contacted him.
Product: Debt collection

Ascension Point Recovery has called me three times looking for the person in charge of XXXX XXXX estate  financial matters in order to collect a debt. I don't know a XXXX XXXX, not have I ever heard of her. My maiden name is XXXX and I guess they are calling all XXXX   fishing. I believe I called them back and left a message that I didn't know who she was but was called again. 

Please fine these parasites so that stop harassing innocent people or people who have lost a loved one. 

Respectfully, XXXX XXXX, XXXX XXXX
Product: Checking or savings account

I went to an open a bank account at pnc. When was time to do the mobil access, I had no access to it.They didn't explain to me why I didn't have access. They said I will have to call each time to gain access to my account.
Product: Checking or savings account

Chase Bank was recommended to me by the State of Illinois, from whom I receive weekly funds. The recommendation was based on the fact that Chase Bank is their official bank that actually cuts our state checks, and would obviously be the best option for setting up direct deposit. I then opened up a new checking account with Chase on XXXX. I was provided an account and routing number, which I entered on the state site, only to have it rejected as " unable to verify '', When I contacted Chase Bank. a rep told me that it would take XXXX hours to activate, which is NOT DISCLOSED anywhere on their website. When I contacted a Chase Bank " supervisor '', the rep blatantly and maliciously lied to me and stated how it was up to the State of Illinois to notify me when my bank account is enabled for direct deposit. WHAT????!!!! As if the State somehow has access to the personal bank records of Chase customers and notifies them of banking updates- wow! That was about the stupidest thing I've ever heard from a bank rep. In addition, this Chase rep lied to me by stating that the 24-48 hour delay was not their policy, only to change her story in a few minutes and state that in fact IT IS their policy. I can't get a straight honest answer on anything from these people, it's like dealing with some shady third world shady characters.. The only thing they did was provide a case number, although it also may be a fraudulent set of digits. That case # : XXXX. The supervisor claimed that they will take action, but when I asked them to describe the action, the phone went silent. Because they have no intention of actually doing anything but provide lies and contradictions, designed to frustrate and confuse their customer - just to get them off the phone.
Product: Mortgage

My problem begun on XX/XX/2022 I'm a recipient of XXXX XXXX XXXX XXXX I was awarded XXXX forward payments. I spoke to someone last week from XXXX and was told that my XXXX payments were already sent but my mortgage company or utilities provider hasn't received anything yet. XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I mailed a letter requesting an investigation about inaccurate accounts listed on my credit report. It has been two months and I still haven't received any results of an investigation.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have recently become a victim of a data breach, resulting in identity theft and the unauthorized opening of accounts and credit inquiries in my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting that you block and delete the following fraudulent accounts and inquiries from my credit report : Fraudulent Accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request Credit bureaus stated that on my credit report that they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, date last reported is not accurate, and also date of last payment. This grounds for removal. 

These Accounts include : XXXX XXXX XXXX  and account # XXXX They also violated my rights under : 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. 

I haven't given these accounts written permission to furnish these accounts on my credit report. 

I also affixed copy of report from XXXX where they stated that my account is verified and also there is a copy of my credit report showing inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My debit card was leaked online and some used my card to purchase things online on XXXX2024, XXXX XXXX XXXX XXXX XXXX, AUTH # XXXX DEBIT CARD DEBIT for the price of {$140.00} and XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX AUTH # XXXX DEBIT CARD DEBIT and my bank refuses to give a refund I did not make these purchases
Product: Credit card or prepaid card

I don't recognized this application please can you removed from my credit report
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 I sent out a dispute letter to all three credit reporting agencies about several accounts on my credit report that have inaccuracies. They have been non Compliant to responding to my request. I ask promptly for them to remove the following accounts that is harming my credit report. They have not have not followed 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. please see attached proof of the following letter sent to the credit reporting agenices. 

1. XXXX XXXX Account Number : XXXX Late payment status is reporting different amount of times to each reporting agency. 
2. XXXX XXXX  Account XXXX : XXXX Account is not reporting late payments to all credit reporting agencies. Please review and remove from my report for inaccurate reporting!. 
3. XXXX Account XXXX : XXXX Account is reporting postitive standing and reporting negative standing please remove account for inaccurate reporting on my credit report.
Product: Checking or savings account

Although I had a free college account, Citibank forced switched my account while I was still attending college to an account which had multiple hidden requirements ( minimum balance, etc ). They acted predatorily amidst a global pandemic. I had the account open for stimulus money ( with a very low balance, which eventually turned into an over - {$100.00} balance due to minimum balance fees, and excessive charges, that were not authorized or recognized until much later. There were multiple moments when I could not even sign into the application they were forcing me to use. I was in XXXX XXXX school. To make matters worse bank locations in XXXX area closed, limits were placed on depositing/withdrawing cash, and customer service essentially was nonexistent as it was esseintially converted to automated bots and an app that was not only not secure but quasi functional. 

After several attempts and greater than 100 hours to settle with the bank to come to an understanding they went ahead and closed my account in spring of 2021 just weeks before the second stimulus was sent. This damaged my credit and is shown on my report. The bank took clear advantage of me during the crisis. I am seeking for this account to be reopened and that my credit report be corrected to reflect these atrocities. This is a clear example of predatory banking practices and should be rectified as I was a very vulnerable person ( XXXX XXXX XXXX XXXX XXXX XXXX ). If it helps, I was considered to live in an area which was declared a state of emergency. XXXX California in XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : 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

National Credit Systems and XXXX XXXX XXXX are reporting a balance of {$1900.00} on my credit report for collections. This account does not belong to me. It belongs to a family member with a similar name as mine. I called both the collection agency and the apartment complex and they both agreed it was not my debt but refused to remove it from my credit report. I dont even know how they got my social XXXX number as I was told I was added as an emergency contact on the application. I disputed this debt as it does not belong to me and they are refusing to remove it. The credit collection agency also gave me a lot of private information on this account that I would think is against the privacy rules for the account holder as well. I am reaching out to ask for assistance in having this debt removed from my report as it is inaccurate and it is ruining my credit as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank has denied my Identity Theft Claim stating that the information is accurate but have yet to provide any proof that I am not a victim of Identity Theft. Chase claimed that The Slate account ending in XXXX was opened on XX/XX/2017. This account was fraudulently used a result of Identity Theft. 

Furthermore, during the periods of XXXX I have been living outside of the United States as a resident of XXXX. Therefore, any account activity during this period was made fraudulently without my knowledge as a result of Identity Theft. Any payments that was made to Chase bank was NOT made from me as I was living in XXXX. Any account usage during this period was NOT made by me. This can conclude that someone has indeed stolen my identity and has hacked into my personal account information including emails, bank accounts, credit reports, credit cards etc. Under The Fairs Credit Act I request that this debt be removed from my name or I will pursuit a civil legal action. I have attached a copy of my Identification card issued by the XXXX Of XXXX. Further documentation such as passport entry stamps of XXXX, apartment rental contract in XXXX, Car registration in XXXX and other verifiable information can be provided upon request to further prove that I was outside of the United States during the years of XXXX.
Product: Credit reporting or other personal consumer reports

Lexington law took money from me for services that wasnt never started
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts from my credit report due to being a victim of a recent data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request that any accounts resulting from identity theft or data breaches be blocked and deleted from my credit history. 
The following account is to be addressed : Inquiries : XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year>