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

Hi, this is a follow-up on XXXX XXXX. For context, Incomm Financial Services locked my visa gift card in XXXX and still havent provide any resolution. I received an email from InCommLossPrevention@incomm.com claiming my gift card has been activated and available for use. But when I tried to pay rent with the card, the payment was declined. They also replied in Case XXXX claiming A replacement card in the amount of {$500.00} was expedited via XXXX to the address provided in the complaint.. I havent received anything and my XXXX doesnt show any package coming my way. When I called them last week, I was told by the customer representative that it takes 4 business days for the card to be activated. When I called in today, I weas told that I need to wait for 24-48 business hours in order to get an update on the case. I was also told by a supervisor from Incomm Financial Services that the week of XXXX XXXX doesnt count as business days. At this point, this company looks like a fraud and the customer representatives keep gaslighting me but no resolution has been reached.
Product: Credit reporting or other personal consumer reports

I am the agent XXXX, XXXX : for the Principal XXXX XXXX making an attempt to opt of reporting services for the XXXX XXXX Account Number XXXX with Experian . The Fair Credit Reporting Act or 15 USC 1681 section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Experian is a consumer reporting agency and I am the consumer, a natural person. As the consumer, I have the right to ensure my private information is not shared pursuant to 15 USC 6801. 15 USC 6801 states that It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. In this case, XXXX XXXX is a financial institution by definition in accordance with 15 USC 6801. 

15 USC 1681 section 604 ( a ) section 2 references In general Subject to section ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX who is the financial institution and the consumer reporting agency reporting on this account ( Experian ) DOES NOT have my consent to furnish this information or my written consent. Any and all consent to Experian, and XXXX XXXX whether verbal, non-verbal, written, or implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose non public financial information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX has never informed me or notified me of my right to exercise my non disclosure option. 

Additionally, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is in fact an adverse item they are reporting without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) states that 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 information is inaccurate. Furthermore, 15 USC 1681 ( e ) states that Every customer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Public Law 90-321 expounds on Title 15 Section 1681 and states consumer credit should only be pulled for Child Support provisions. Finally, pursuant to 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

Hello, I need help with these invalid accounts I found on my credit report. These are not mine. 
XXXX XXXX .. XXXX XXXX XXXXXXXX XXXX tell them not to add unknown accounts on my credit report. I want them remove asap! Thank you.
Product: Debt collection

Good evening. 
On XX/XX/XXXX, Ray Klein Inc. filed a writ of garnishment against me for {$1500.00}. I just received notice of my companies intent to withhold all or a portion of this amount from my XX/XX/XXXX paycheck. 
Upon research I discovered that the majority of this collection is from my estranged wife 's medical debts. They combined several of my small debts with her big ones and filed against me. 
I was never served. I called them on XX/XX/XXXX and they said my estranged wife received the papers at her address. They said they had the right to collect her debts from me as we are married. It took me 30 minutes to get to the proper person to verbally explain the nature for the debts they are collecting. We have been separated, living in different homes since XX/XX/XXXX. She filed for divorce on @ XX/XX/XXXX. It is not final yet. 
My complaints are as follows : A ) I was never served prior to adjudication so I had no chance to respond. They say they served my ex but she says they did not. 
B ) I have received no written information of the nature and source of the combined debts they are collecting. I have not had the opportunity to determine whether the debts are valid or mine as I never received advance notice. 
C ) I should not be held liable for debts my ex has incurred since our separation. 
D ) The amount they are having garnished from me on the XXXX of this month will cause an undue hardship. 
E ) I have never lived at the address that they say they served. ( My former wife 's ) Please let me know what can be done to resolve this issues.
Product: Debt collection

XXXX did Not provide a statement of charges after moving out within the XXXX  day time-frame that the landlord and their attorney acknowledges they had to provide the information. I did not receive deposit or statement. Landlord has tried to post charges previously on account ledger for things like eviction notice when there was never any eviction and we were never served with one but they charged a fee, charges for rent twice in one month that after i disputed with the apartment manager, they claimed was a mistake, not fixing anything in the unit then attempting to overcharge to make a large balance for tenants, etc. I just received an alert that {$910.00} was posted to my credit report. please review documents associated with complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX  XXXX XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XX/XX/XXXX {$8500.00} XXXX   XXXX  XX/XX/XXXX {$6300.00}
Product: Credit reporting or other personal consumer reports

unauthorized/fraud credit inquiries : 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: Checking or savings account

I have been holding the phone for 30 minutes while a girl named XXXX in the business service center has told me she was calling another department but hasnt came back to the phone. I keep being lied to, I have called 5 times about 2 charges from XXXX  XXXX for {$5.00} and {$12.00} that were fraudulent and need to be removed from my account after being disputed. I was also told the 3 overdraft fees for {$36.00} each on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX would be removed. Instead of doing what your representatives promised they keep adding more late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX Balance : {$26000.00}, XXXX XXXX XXXX Balance : {$4500.00}, XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX  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 Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$8200.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXXXXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Mortgage

On XX/XX/XXXX I drew an advance of {$2900.00} from my HELOC that I have with Wells Fargo. I have auto pay with Wells Fargo and a scheduled payment of {$100.00} was taken from my XXXX checking act on XX/XX/XXXX. On XX/XX/XXXX I entered the XXXX XXXX, CA branch and paid {$2800.00} to pay off the advance. Since that time, various transactions have been posted to this account. On XX/XX/XXXX there is a principal adj debit in the amount of {$170.00} followed by a principal reversal in the amount of {$91.00} ; on XX/XX/XXXX an interest reversal in the amount of XXXX ; on XX/XX/XXXX there is an interest adj debit for {$0.00} ; a principal reversal of {$100.00} ; an interest payment that they automatically took from my XXXX checking account in the amount of {$8.00} ; an interest adjustment XXXX credit ) of {$0.00} ; and a principal payment in the amount of {$91.00} from my XXXX checking account. On XX/XX/XXXX they took additional payments from XXXX checking account totaling {$100.00}. On XX/XX/XXXX there are two more adjustments ( credit ) in the amount of {$1.00}, which makes no sense. I have requested my money to be returned to no avail. 
They have continued to take payments from my checking account despite the fact that this loan was repaid in full.
Product: Credit reporting

Had issue with Accurate Background and submitted a complaint to CFPB case # XXXX for which I received a response. They circumvented the CFPB and failed to maintain them in the loop. They are asking for clarification of the disputed information which was quite clear in my letter and they are also want further clarification to my consumer statement I want added. They provided an updated report but it fails to contain my consumer statement even though they state they placed it and forwarded to there clients. I have mailed my XX/XX/2017 letter to Accurate Background via regular mail but feel I would get a timely response if I had the assistance of the CFPB to encourage a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the 3 credit bureaus months ago and already explained to them those late payments should not be on my report because that was during Covid and that account is in deferment, but till this day I have not received any response to them. They haven't verified anything or showed me any proof that these late payments are factual. I want them updated to paid as agreed because I was never late and this is affecting my credit. Also Its been well over 60 days and this should be an automatic removal for not responding and those inquiries are fraudulent and should not be there as well.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 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
Product: Student loan

Dear CFPB Representative, I have been waiting nearly a year from my original fully completed application for student loan debt forgiveness under the XXXX XXXX XXXX XXXX XXXX ( PSLF ) to be processed and my loans forgiven in full. In this time my fully completed and totally compliant application has received numerous unecessary and possibly illegal delays in the processing of forgiveness as my loans were transferred from XXXX to XXXX XXXX and then again to MOHELA this summer. 

On XX/XX/2022, I received notice that my loans had once again been transferred to a new student loan lender as part of this process. My loans have now been transferred from XXXX XXXX to MOHELA. When my loans were transferred in XXXX, I had already been approved for XXXX PSLF Qualifying Payments out of a total of XXXX Eligible Payments. The process had not been completed due to the additional information needed about my first public sector employer. This information which was provided to MOHELA in XXXX ( see attachments for more detail ). 

My total student loan balance which is now with MOHELA is {$48000.00}. This is the amount that should now be forgiven in total. In addition to the total loan forgiveness, I am also eligible for reimbursement by the federal government of my overpayments beyond the required 120 monthly payments. By my count, I overpaid by a total of {$4900.00} in payments after I had made the required 120 monthly payments. So, I should receive at least a refund check in the amount of {$4900.00} in addition to the total student loan forgiveness. 

I continue to remain employed as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as of the date of this complaint and remain eligible for student loan forgiveness. MOHELA has made no progress is processing my student loan forgiveness since my loans were transferred from XXXX XXXX to them this summer and I am beyond angry at how slow this process is and now nobody at MOHELA even answers the phone to respond to questions about the status of my loan forgiveness and reimbursement check. 

Please Help!!! 

XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RI XXXX ( XXXX ) XXXX
Product: Checking or savings account

Claim ld : XXXX Dear Chase Bank Customer Service, I am writing to express my disagreement with the denial of my refund request regarding an unauthorized transaction on my account. Recently, I noticed a transaction using XXXX XXXX XXXX that I did not authorize, which led me to believe that my card may have been compromised. 

Immediately upon discovering this transaction, I contacted Chase Bank to dispute the charge and report the possible compromise of my card. However, I was informed that my refund request was denied. 

I want to emphasize the seriousness of this situation and stress that I took immediate action upon noticing the unauthorized transaction. As a responsible account holder, I promptly contacted your customer service team to report the issue and request assistance in resolving it. 

Given the circumstances and the potential compromise of my card, I strongly believe that I am entitled to a refund for the unauthorized transaction. I have always maintained the highest level of security measures for my account, and I trust that Chase Bank will prioritize the protection of my financial assets. 

I respectfully request a thorough review of my case and reconsideration of my refund request. It is crucial to me that this matter is resolved promptly and fairly. I am willing to provide any additional information or documentation that may be required to support my claim. 

Thank you for your attention to this matter. I look forward to a swift resolution and appreciate your assistance in rectifying this issue.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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 or prepaid card

On XX/XX/XXXX I was charged for tickets on my Bank of America Credit Card. I disputed the charge however they will not block it. Since then I have found out they have a close bussiness tye with the ticket company that charge my card fraudulently. I made a complaint on this website previously and they have not responded.
Product: Mortgage

I have received a letter from XXXX about Green Tree Servicing. I am responding by saying I have never received a check in the mail.I have called and spoke to someone about it. Maybe I 'm not at the right website but I would like to make a complaint about them. I understand that times I have been late and my credit is not that good but they have harassed me for years with nasty threatening phone calls. My account is always messed up causing lots of late charges. I have tried to make arrangements to correct my account unsuccessfully.Thank you for bringing this out.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX BankruptcyXXXX  XXXX BankruptcyXXXX  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
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX  XXXX ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter.

Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files.

Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights.

Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Credit reporting or other personal consumer reports

" n accordance with the Fair Credit Reporting Act : 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions. " 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: Debt collection

Portfolio Recovery Association has placed a debt collection on my credit report that is a result of fraud. I do not owe the debt and have no knowledge of it. I requested they send me documentation showing that I borrowed or entered into a debt with them and they have refused to. They asked me to verify my SSN and when I provide my SSN, they tell me it does not match their record and they refuse to provide the details of the debt. Yet, they have listed the debt on my credit profile and have or are causing me terrible adverse effects. They have provided a second SSN on my credit report which I do not own.