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

XXXX XXXX : I obtained a used car loan with XXXX XXXX. I can pre-pay the loan without penalty. I previously made additional payments, over and above the monthly loan payment, and XXXX refused to apply these amounts to the loan principle. Instead they simply reduced the amount due on the next monthly payment. This is intnetional fraud which I request an investigation by the appropriate attorney general. XXXX  refeuses to update the loan balance in a timely fashion and currently all credit bureaus and XXXX XXXX  are misreporting the loan balance. XXXX  continues to report ( 2 ) late payments that were never late and on information and/or belief are fabricating confirmations of such tardiness, fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a host of inquiries that are not mine.
Product: Credit reporting or other personal consumer reports

There has been fraudulent accounts made on my consumer report that I have no knowledge off, these are to be removed per 15 USC 1681
Product: Credit reporting or other personal consumer reports

There are still things that need to be blocked or deleted, but I appreciate your help in getting some of the unlawfully obtained data from my credit file removed. In compliance with FCRA section 605 of the regulations, you have to delete any records mentioned in an ID THEFT REPORT. Since I proactively remembered it for a prior letter, I am including this report again. My counsel has been made aware of my plans, and they are prepared to hold you responsible for your continuous disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Transworld Systems Inc mailed me a letter saying they want to collect a debt for XXXX XXXX. I called them at XXXX. The person I spoke with said his name was XXXX XXXX and gave me his direct number, XXXX. When I was ready to pay the call disconnected. I tried calling the direct number given but it was for an advertisement. I called the first number but it kept disconnecting the call. 

The address for them is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX.
Product: Credit card or prepaid card

Received a cc in the mail in late XXXX from Netspend XXXX that I never applied for. Thinking fraud I went into do a free credit check with scoresense on XX/XX/XXXX and found where this card had never been applied for with my name. I thought that was odd as it showed nothing. Because I checked my credit score I now had to jump through the hoops of canceling XXXX so they did not start billing my cc monthly for there service. On XX/XX/23 after several phone numbers finally reached one that allowed me to cancel the cc but again had to jump through hoops which is why I am filing this because I know it is illegal for a cc company to just send you a cc for no reason
Product: Credit reporting or other personal consumer reports

Ive attempted to retrieve my consumer reports online via annualcreditreport.com, but I always get an error message. Attention : XXXX XXXX, XXXX and Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  XXXX and # 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: Debt collection

I am writing to delete the following information in my file .the items I need deleted are listed in the report. 
I am a victim, of identity theft and did not make the charge .I ask that the items be deleted to correct report. 
I recently got my credit and found information on my credit that don't belong me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - DATE : XX/XX/2021 COMPLAINT : THIS INQUIRY DOES NOT BELONG TO ME
Product: Checking or savings account

On XX/XX/2023 I observed charges from California on my account that I didn't make. I called Chime customer service and disputed this charges, upon requesting the disputed transactions to be investigated, I had to be issued a new card due to the current information being compromised. My date for receiving the new card was XX/XX/2023. I reached out to Chime customer support today due to not receiving my reissued debit card, shortly after I received a text message saying my address was updated, then the agent from chime said my card wasn't shipped due to my address needing to be updated, as I tried explaining to the agent, my address has already been updated XX/XX/2023 and that I had an email confirmation showing this, after updating my address in XXXX, I received my new card in XXXX, so there was no way that my new card wasn't shipped due to needing a address updated. I was then told the card would be express shipped and that I would receive it in 3 to 5 days. I then requested to speak to a supervisor to express my concerns due to the further wait of not having my debit card to use for shopping and financial needs. I was then told by the supervisor that the agent gave me false information and that I was going to now have to wait until XX/XX/2023 until my new card would arrive, due to the fact they didn't offer express shipping for my account and that if he was in my position he would transfer his funds to another financial institution and close his account. I then spoke via phone call to another supervisor that told me they do offer express shipping for accounts but not mine, when I explained what the previous supervisor told me I was transferred to another supervisor due to " audio issues '' on her end. I then requested an option for faster shipping with the new supervisor " XXXX '' that I was now speaking with, due to their mistakes and inconvenience they've caused that my card be shipped express but was told that decision was in the hands of there advanced customer solutions team. I have not received any information regarding the initial cause of my information being stolen and used for XXXX XXXX  in California, and haven't received any emails regarding my card replacement. I have all communications between myself and chime staff both audio recordings, emails and screenshots of full Chime support chat. This is beyond unacceptable and has been beyond frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having trouble receiving my consumer report from equifax. On XX/XX/2022 I call Equifax to get my consumer report mailed off to me and they told me they couldnt do that because they needed a cover letter, Social Security and my driver license so they can send my summary report. I also send attachment of my ID social and a cover letter to them so I can get my consumer report.
Product: Debt collection

I was looking over my credit report and I received a notification on XX/XX/2018 from " XXXX XXXX '' attempting to collect a debt of {$360.00}. The original creditor name is XXXX. My closing statement is I have no knowledge of this account what so ever and where it came from. It would be appreciative to have this negative item removed because its effecting my credit history. Thank you. Also, I have another complaint against another collection agency by the name of " enhanced recovery collection '' who on XX/XX/2018, also is trying to attempt to collect a debt of {$760.00}. The original creditor is XXXX. Prior to this collection there was a previous collection with the same creditor ( XXXX ) by the name of XXXX XXXX with the balance of {$760.00} and it was later removed in XX/XX/2018. I would also like for enhanced recovery collection to be deleted immediately. This is illegal.
Product: Debt collection

I was notified by my credit monitoring that a Collection Item was on my account with a date of XX/XX/XXXX from IC Systems XXXX XXXX, MN attempting to collect a debt not owed from XXXX. 

IC Systems never sent a notice of debt collection. 

XXXX stated in a phone call on XX/XX/XXXX at XXXX Eastern Time with XXXX that the bill was a mistake, the equipment was returned on XX/XX/XXXX and to disregard the bill. 

I spoke with XXXX from XXXX on XX/XX/XXXX at XXXX Eastern Time, who  confirmed there is be a XXXX balance on the account. 

I have not received a bill from XXXX since. 

IC Systems is required to send a notice of collection, which it did not. 

XXXX has already removed the collection from my account after dispute, XXXX is still reviewing the account.
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. 

Account Name : XXXX : Account XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 Any 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: Bank account or service

Respected CFPB, My ONLY LIFE SAVIOR! 

I AM VICTIM OF ID THEFT AND CREDIT DESCRMINATION AND HAD FTC REFRENCE AND AFFIDAVIT, AFFIDAVIT OF IDTHEFT WITH LAW ENFORCEMENT REPORT ANS WITNESS WITH NOTARY. ALL THE PROOF OF HOW WELLS FARGO IS DISCRIMINATED ME TO JUST SAVE THEM AND THEIR BRANCH MANGERS. SO, XXXX they have contract with and many more loans which I found troubling and stood up to it and now they have blocked all of my checking accounts and a Credit card whixh is direct violation of 609e, FCRA and FTC. 

There was ATM MONEY JAM, I DEPOSITED XXXX ONLY GAVE ME THE RECEIPT I NEVER SAW IN MY LIFE HAVING DIFFERENT DATES AND DIFFERENT AMOUNTS. THEN, I CALLED BRANCH MANGER WHO IS ALSO MY BANKER AND ENCOURAGED ME TO OPEN ACCOUNTS WITH HIM INCLUDING BUSSINESS. I HAVE A CREDIT SCORE OF XXXX PLUS AND I GOT XXXX BUREAUS MEMBERSHIP ALONG WITH XXXX XXXX XXXX INSURANCE FOR TAKING CRADITORS TO JUSTICE IF THEY I 'D THEFT ME OR TRY TO DESCRMINATION AGAINST AN HONORABLE CITIZEN. I CALLED VICE PRESIDENT XXXX XXXX XXXX AT XXXX BRANCH AND HE GAVE ME NUMBER TO THR ATM OPERATIONS AND SAID IT HAD HAPPENED WITH THIS MACHINE LIKE 3 TIMES ALREADY. DO N'T WORRY JUST CALL THEM AND HAVE CLAIM. I CALLED AND XXXX XXXX AT ATM OPERATIONS GOT ME A CLAIMS AND SAID THE HOLD WILL NOT PUT ON AND WE OWE YOU THR MONEY SO PLEASE DO N'T DEPOSIT ANY NEGATIVE AMOUNT. NOW THEY ALL STARTED HANGING UP ON ME AND I HAVE LOGGED OF IT AND WITNESSES WHO ARE OTHER BRANCH VP like XXXX at XXXX branch. 
Then the XXXX alerted me wells Fargo has been trying to close your credit card but as you have XXXX they do n't have any reason to do so and they have your card blocked. I then was told when I directly called executive loss prevention and executive wells Fargo office and thry said you are clear we want to know if jam happened so have your branch manger call us and then XXXX XXXX said no they ca n't call them because he never has their number. I was like you are thr one opened me accounts and stile my money being the weeks Fargo representative plz allow me to deposit because all the payments are bouncing and I am going down as being already viticm of I 'd theft they said they do n't care about FTC or neve heard of the XXXX right or who is CFPB. 

Now it 's has been 2 weeks I am jaddicapped inhave all thr cards and money but thry are not lighting thr hold. They are telling me a risk lie! As thr branch manger said that you have caught their lies and now they are scree and want to just kick you out and report yiu to XXXX which again violations alot of them! So, approving me of credit card through XXXX whom I am member and gave me a limit of XXXX how I am a risk and I ran the risk and they all come out golden 100 % clean. So, just telling me on my face in front ppl I am risk is a slap to my religion and culture and ethnicity.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX, from 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.

15 U.S.C 1692b acquisition of location information by debt collectors.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. 

Please delete the following accounts : XXXX XXXX {$6.00}, XXXX bal {$380.00}, XXXX XXXX bal {$720.00}, XXXX XXXX {$4600.00}, XXXX bal {$0.00}, XXXX XXXX XXXX {$1600.00} XXXX XXXX R bal {$2400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having the hardest time with Experian. I had been incarcerated from XX/XX/XXXX and got released XX/XX/XXXX and within that short amount of time, My identity was stolen and used. So, I go to make an account on there to check on my " FRAUD ALERT '' I placed back in XXXX and they say I already have an account. Which I know I don't. So, now they never answer the phone and they won't send me anything in the mail. When I got a hold of someone in the main branch, They continued to laugh and make a joke of it and refer to me and my husband as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. '' I am utterly offended by this company and will never feel anything but agonizing anger. I was so caught up in the " XXXX joke '' that I forgot to register her name. 

Respect should be the number one thing for a business.
Product: Debt collection

I was contacted by the original owner of the debt in XXXX to collect payment. I sent an email detailing my intent to pay and set up a payment plan. I paid the balance down from {$260.00} to {$140.00} with the understanding that the rest would be automatically withdrawn. This never happened and XXXX the XXXX this year I received an invoice from the company for {$140.00} and just a few days later I began receiving communication from HF holdings regarding this account with a higher balance. I called today XX/XX/XXXX with the intent to straighten out the balance and pay it on full I was berated and belittled by XXXX due to my poor history of payment, when I was trying to explain and provide proof he refused to hear me and ultimately disconnected the call. I called back and spoke with someone else who claimed to be the supervisor to resolve this matter he asked me to send documents to the same gentleman as before stating since XXXX started the process I would have to deal with him still. He reprimanded as well for the prior call stating that my behavior was foul and that he didn't believe me either due to people constantly lying to them. After I provided the proof I was told the amount would be corrected and asked if I could pay it over the phone I declined due to body of proof and stated that I would pay it online so that I could receive a receipt. After hanging up I went to the website to resolve and they had not adjusted the amount I emailed XXXX yet again regarding the adjustment to which he responded with a very sarcastic and facetious manner I re-emailed regarding the adjustment specifically noting the need to change the amount. It is my belief that this company has no real intent in resolving the issue and my poor treatment and harassment has been proof as they have yet to correct the amount and make it incredibly hard to make this payment in full.
Product: Credit reporting or other personal consumer reports

The personal information on my credit report is incorrect. I have included my documents so you can update it. Please correct and update my personal information as soon as possible. My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello, I would like to consider the collection prepared by the XXXX XXXX XXXX based on forged documents and here is the explanation and attachment of the documents. Lease contract issued by XXXX XXXX XXXX XXXX Date XX/XX/2022 and after a few months the owner or name changed to XXXX XXXX XXXX which issued a separate document with the date XX/XX/2022, after checking, I came to the conclusion that it was not possible, that the date prepared by XXXX XXXX was earlier than the contract and it was not even the new owner yet, finally, I realized that the document and date are forged and because it is a federal crime I applied for a Debt Validation Letter with full documentation and they did not respond, please read and help, thank you.
Product: Debt collection

I was in a debt management service in year XX/XX/XXXX. My income level lowered, so I contacted this company ans asked would they contact my creditor and asked for a ( pay off now amount ). This management company told me that I would have to not make payments ( go into default ). When in default the management company said then they could contact this creditor about accepting a lower payoff amount. After I went into default this management company did nothing and left me out of contract with them, and I was left out of good standing with this credit. This is when my debt was sold to a third party debt collector for XXXX dollar. That third party debt collector is the focus of my issue. My credit reports has had this bad report for sixteen years. This one debt has been sold and resold to XXXX to different debt collecting companies and going past the time limit to pursue debt without a court case. In XX/XX/XXXX XXXX of the credit reporting agencies dropped this debt from my credit files. But XXXX just got around to removing this collection agency ( on! XX/XX/XXXX ). Here is what made me angry, this collection agency company wrote me in same mouth that XXXX said this creditor listing had came to the its legal duration. In this delt collector 's letter in XX/XX/XXXX, they said that the law would not allow them to come after me on an old debt like mind but they would continue to report my debt to the XXXX collection agencies. I then contacted XXXX and they said there was nothing bad on my current credit report files ( debt collector lies ). This debt company is bothering me every other mouth with a {$730.00}. bill I can 40 % off. I 'm retirement age and I surely know retirement income is not subject to law suit. I just want this company to go away and the bills in my male box to stop too. This is a very very old bill that went wrong and should be forgotten.
Product: Bank account or service

Hello, I use to have an account with Capital One and XXXX ( also Capital One ), the bank cancelled my account without explanation and few month 's later XXXX canceled my account, again there was no explanation. I was a good costumer at the Bank and doing small but growing investment with XXXX XXXX. 
Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is representing an apartment complex I lived at. After two years they are stating I owe them $ XXXX. I have attached email between me and the apartment property management. They have now sold the file to a collection company while in dispute. Also I stated the rental box was broken into when I put in my 60 day notice. Should n't they have all this information? Should they have not done a police report? Property : XXXX XXXX XXXX Unit : XXXX Account # : XXXX Current Balance {$5400.00} I have disputed this prior to being sold as not mines and I do n't owe any moneys why they have sent collection is against the law.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XXXX of 2016 I returned a {$5000.00} dollar leather sectional that I had purchased from XXXX because it was defective and the wood frame cracked in several places. I worked with a XXXX representative who was helpful and worked with me to get this sectional returned and credited. 

However once the sectional was returned and credited, XXXX showed my account as 30 days late despite the fact that I was never late but stopped paying after the sectional was returned. In addition they reduced my line of credit by 95 % so I could not even replace the sectional if I wanted to. 

I communicated this with the representative I had been working with and also called as per his suggestion the number he gave me where I was assured this negative mark would be taken off my account. I never bothered to look again until recently when I noticed that this was not the case and my account reflects a negative late mark from XXXX XXXX. 

I have several email from XXXX  that show I communicated with their representative. 

I need to get this erroneous negative mark off my account.
Product: Credit card or prepaid card

I've attempted to remove lates in lieu of good faith payments and the company has not complied.
Product: Credit reporting or other personal consumer reports

This company reported a late payment on my credit report and i wasn't XXXXdays past due i have always kept up with payments and ive tried to speak with them on this matter and the results where not successful.