23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

PLEASE CHANGE MY PHONE NUMBER TO XXXX -- I AM NO LONGER XXXX I used to live at XXXX XXXX XXXX, XXXX, NY My wife is XXXX ( she lost her XXXX XXXX XXXX XXXX XXXX ) I currently myself am awaiting a XXXX decision, because I had XXXX twice and numerous other health issues. 
I have been disputing my electric bill and was on a payment arrangement. 
I had to leave XXXX XXXX and we had to leave our apartment unprepared. I actually disconnected the electric bill with XXXX XXXX, and told them I had no address, to please email my bills. 
All of a sudden, I started getting phone calls from XXXX -- and then numerous other robocall number. 
I finally found a new place to live and called XXXX XXXX to pay the old debt and discovered that the robocalls were coming from TransWorld collections That the debt is, and has been, disputed, was never acknowledged ; The balance ballooned to {$1500.00}
Product: Credit reporting or other personal consumer reports

Someone used my information to try an open accounts in my name these accounts listed I didnt apply for.
Product: Credit card

I called American Express so that I would be able to realize a question that I had. I had previously called and I did n't have any problems and all of the representatives were lovely and understanding. I called again because I had previously called and spoken to a supervisor who had given me some bonus miles in my gold delta card and he told me to call back today and ask for a rep so that I could get my intro offer expedited. I first spoke to a great rep that was understanding or my situation. He later transferred me to a horrid customer service supervisor that had no customer service skills at all. She started off by saying hello, but in a very dry way and she did n't seem to concerned about me or my problems. She almost right away instead of saying anything else said " I will be taking back all of the miles given to you ''. I did n't do anything wrong and I 've been with Amex for over 22 years and she made me consider cancelling all of my cards. I never lost my cool and she was still being very rude to me and dry and cutting me off even after I explained my problem and what was happening. In the end I was almost in tears because she did n't understand anything I said even though I had repeated myself many times. She did n't even say that she was sorry due to the circumstances and when the call was done all she said was " I will be talking the miles back ok '' even though I was still trying to convince her otherwise and trying to explain my situation and what she was doing to me. She then hung up and did n't even with me a good day or anything of the sort. The customer service supervisor 's name was XXXX. I am trying to send me son to New York for a XXXX in the summer and the tuition was over {$3000.00} and I also had to buy the ticket. The previous rep supervisor had given me extra miles to help me out and I had completed to pay my flight with miles and my son thought that he was surely going and everything was set, and so did I! I am now stressing over what I will need to do in order to be able to send him since he really wants to go.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank you
Product: Payday loan, title loan, personal loan, or advance loan

Ive had this loan with this company seems like XXXX years there has been XXXX loans total first one was for XXXX XXXX before it was paid off covid hit the company reached out to me offering me additional XXXX XXXX i accepted times were tough with covid i was understanding i had XXXX and XXXX XXXX on loan also anythng that paid for that insurance i could get full refund at any time so i figured if times got really bad i could always cancel those protections and put towards loan i lost my job XX/XX/year> worked at job XXXX years was thinking thankgod i have insurance they tell me i dont so confused
Product: Debt collection

I have no clue about this debt and this company STATE COLLECTION SERVI keeps writing and calling me.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed 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
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXXXXXX Balance : {$710.00} ; XXXX XXXX XXXX Balance : {$300.00}.
Product: Debt collection

In XXXX of XXXX there is a discrepancy on my credit report. Back in XXXX of XXXX i noticed an inquiry on my credit report. It was from CAINE & WEINER. I have over 830 credit rating and pay all my bills on time. 4 months later they have added a delinquent status for progressive auto insurance which is literally impossible. I use ETF to pay my insurance bill. So whatever I owe is taking out automatically from my bank account. I switched from XXXX to XXXX insurance in XXXX of XXXX and obviously left my account in good standing. 

In my opnion, this company looks for people with great credit scores and then ding them with a bill assuming they will just pay to avoid the damage to their credit rating. It is literally impossible to owe a bill if you are paying it monthly with funds transfers direct from your bank account.
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 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

According to Equifax, XXXX XXXX customers had information such as name, social security number, birthdates, addresses, driver 's licenses, and credit card numbers stolen from theor database. Also according to Equifax, I am risk for having had my information taken. Equifax 's gross negligence in handling this sensitive information is appalling. Furthermore, recent reports have surfaced citing a mass selling of stock by Equifax employees prior to public acknowledgement of hacking.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Capital One Account XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX  for violating Regulation P of the Code of Federal Regulations ( CFR ) by unlawfully disclosing my private financial information to third parties after I submitted a notice of my intent to opt out. Regulation P requires financial institutions to provide consumers with the right to opt out of certain disclosures of their nonpublic personal information to nonaffiliated third parties. Upon receiving an opt-out request, the company must honor the request and cease sharing the consumers private financial data with nonaffiliated third parties unless otherwise permitted by law. 

I submitted my opt-out notice to XXXX XXXX XXXX , clearly stating that I did not consent to the sharing of my financial information. Despite this, my private financial data was reported to XXXX, XXXX, and XXXX, all of which are nonaffiliated third parties as defined by Regulation P. A nonaffiliated third party is any entity that is not part of the financial institution 's corporate structure. Credit reporting agencies like XXXX, XXXX, and XXXX are separate entities and are not affiliated with XXXX XXXX XXXX. Therefore, sharing my information with them after I opted out is a clear violation of the regulation. 

Regulation P requires that once a financial institution receives an opt-out notice, it must implement policies and procedures to ensure that the consumers private financial information is not disclosed to nonaffiliated third parties. By continuing to report my information despite my explicit opt-out request, XXXX XXXX XXXX  failed to comply with these legal obligations. 

In addition to my original opt-out request, I am reiterating my opt-out notice as part of this complaint. I do not consent to the sharing of my private financial information with any nonaffiliated third parties, including but not limited to XXXX, XXXX, and XXXX
Product: Credit card or prepaid card

Dispute Type : Debit - Unauthorized TransactionDate Error Reported : XXXX Amount : {$6100.00} Respected Sir/ Madam, I am writing this to bring into your concern that on XX/XX/2023 at approximately XXXX several transactions of {$2200.00} was debited from my chime account. I filed a dispute with chime and advised them that my vehicle was broken into and all my valuables was stolen out of my car my phone which has All my accounts saved in my phone wallet, wallet, id, and social security card. l beg to inform you that this transaction was not carried out by me in any physical or online form. 

I explained I went out of town XX/XX/XXXX and my car was broken into several belongings stolen out of my vehicle including my phone, wallet with social security card, birth certificate, other bank cards various other personal items that mean a lot to me, which the thieves probably burned, buried, or broke. The worst part was that they have my drivers license and my address, and I lived in fear for about a week after it was stolen. I had to wait till I made it back home to get a new phone which was XX/XX/XXXX that's when I noticed all these unauthorized transactions in my accounts. My accounts was locked due to whomever tried to reset my password or attempt to login again on top of stealing my identity which I reported to Chime. Chime credit my account provisional credit which I wasnt going to use until the dispute was over. On approximately XXXX chime emailed me stating no error occurred and they will refund the provisional credit back. 
I had not accessed my account since the XXXX  of lasting speaking to an agent about this matter! And I havent had access to a phone since XX/XX/2023 due to the natural disaster tornado that hit Arkansas everything I owned or did own was blew away On XXXX XXXX I noticed someone logged in my account once again with multiple unauthorized transactions bringing the total to roughly XXXX and notified chime right away the next following day they denied my dispute again after I have sent them my identity has been stolen. I sent in police report, Id, letter and selfie of myself as asked both times! I asked for documentation on how their decision was made and they advised me it would take 10 days to provide. I asked why 10 day and I was giving a decision today, how can a decision be made and there is no supporting documentation provided for the decision. I have been with chime for over XXXX years and never had a problem no I get denied without a explanation for why is not acceptable when I send supporting documents the transactions was fraud
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 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: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX and XX/XX/XXXX I disputed an inaccurate item on my credit which is XXXX XXXX XXXX account number XXXX responded with a debt validation letter with a cease and desist notice they failed to properly validate the debt and this is required by the FCRA I asked for written proof that XXXX XXXX XXXX own the debt and or authorized to collect on it, I asked for the name and address of the original creditor, a copy of the signed agreement with my signature that created the debt, the exact amount of debt owed, a copy of the last billing statement, And account statement showing all charges and payments on this account, proof that the statue of limitations has not expired on this debt in my state, proof that they are licensed to collect debt payments in the state of Wisconsin, and are registered through the XXXX  database XXXX I also asked for the chain of title and if they couldnt provide all this information in writing, this debt is not valid. I demanded them to immediately notify the credit bureaus to remove it from my credit file. I just disputed again on XX/XX/XXXX and it came back verified with missing data. No payment history. It was totally inaccurate. I made a call to XXXX XXXX on XX/XX/XXXX asking what was the method of verification that they used to verify that this information was 100 % complete and accurate. so I am formally again issuing a cease and desist on Experian XXXX XXXX and XXXX and XXXX XXXX XXXX to remove this inaccurate account on my credit file immediately.
Product: Credit reporting or other personal consumer reports

I have no connection to these inquiries or the mentioned creditors. Please remove them from my credit report immediately. 
XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

I have a prepaid card from Netspend that was never activated. However, the card still has an active date. I can not activate the card because the company says that it belongs to someone else. I have the original packaging, the store receipt, the physical card, and an approval/authorization number printed at point of sale. I've spent several hours on the phone with multiple representatives. Each has dumped me into an automated system after I described the problem. The last representative stated that they could not help me. 
After multiple requests for supervisors and/or supervisor 's employee numbers, the representatives would terminate the call without warning. 
In summary, cash was spent on a prepaid card but the card was not activated immediately. The card has a printed expiration of XXXX. I have all necessary paperwork and the physical card. The company refuses to mitigate the problem despite receiving the funds ( prepaid ). The company refused supervisory information at my request. The automated system states that the card number is not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple CFPB complaints that I have been submitting to the XXXX Credit Bureaus, my request for proper verification and deletion of the fraudulent accounts on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/2022, but no response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have done nothing and ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. I am submitting yet another CFPB complaint to the Credit Bureaus to request that the following Fraudulent accounts listed below still reporting on my credit report and have caused a large decrease in my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. I need the following accounts removed from my Credit Report as soon as possible : XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} XXXX  XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$6400.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, Apt XXXX XXXX, Texas XXXX XXXX Phone : XXXX [ XX/XX/year> ] Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Notification of Violation of Section 611 ( b ) of the Fair Credit Reporting Act Dear Sir or Madam : I am writing to you regarding a potential violation of Section 611 ( b ) of the Fair Credit Reporting Act ( FCRA ). Under this provision, if an item previously deleted from my credit report is reinserted, I must be notified in writing within five business days of the reinsertion. 

I have noticed that the following information, which was previously removed from my credit report, has been reinserted without me receiving the required notification : Reinserted Item : [ Describe the specific item ] Reinsertion Date : [ Date you noticed the reinsertion ] I request that you investigate this matter and provide me with a detailed explanation of the reasons for the reinsertion of this item without the proper notification. Furthermore, I urge you to take the necessary steps to address any noncompliance with the FCRA and ensure that my rights as a consumer are upheld. 

Enclosed are copies of relevant documents supporting my claim, including my credit report with the reinserted item highlighted. 

I appreciate your prompt attention to this matter and expect a response within 30 days, as required by the FCRA. 

Sincerely, [ Signature if on paper ] XXXX XXXX XXXX XXXX XXXX : Copy of the credit report with the reinserted item highlighted [ Other supporting documents ] Summary of Section 611 of the Fair Credit Reporting Act Section 611 of the FCRA outlines the procedures that credit reporting agencies must follow when disputes arise over the accuracy of information in consumer reports.

Key points of Section 611 : Reinvestigation of disputed information : If a consumer disputes the accuracy of any information on their report, the agency must conduct a free reinvestigation to determine if the information is inaccurate. 

Timeline for reinvestigation : The agency must complete the reinvestigation within 30 days of receiving the dispute. 

Notification of results : After the reinvestigation, the agency must provide the consumer with the results and an updated copy of the report if changes were made. 

Reinsertion of deleted information : If information is removed from the report and later reinserted, the agency must notify the consumer in writing within five business days of the reinsertion. 

Procedures to prevent reappearance of information : Agencies must maintain reasonable procedures to ensure that deleted information does not reappear on the report without proper verification.
Product: Credit card

I have been in a debt management program for XXXX years until just this month decided to leave the program I am leaving the program because I am trying to refinance my home. The payments I was making in the debt management program would not allow me to refinance because my debt to income ratio is too high. After I left the program I was looking for the credit card companies to lower my minimum payments down to their normal calculation or by law. They are refusing to lower my payment. I have faithfully made my payment under the debt management program on time reducing my balances from {$70000.00} to {$11000.00}. I have talked with Bank of America up to the management level and they say I must continue with the minimum payments that they set XXXX years ago.I will continue to pay more than the minimum but I am in need to get the minimums down to be able to refinance my home. I currently owe Bank of America roughly {$4500.00} on XXXX accounts paying them {$520.00}. per month. If recalcalcuated payments would be no more {$90.00} per month. I am having the same problem with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Identity Theft has caused my Equifax Credit Report to become corrupt. my.equifax.com and any online access to my Equifax Credit Report does not work ( no information is displayed ) due to fraudulent information in my credit file. Strange names have surfaced on my credit report, and so have birthdates and addresses. I found out about this back in the Spring of XXXX. So, for 4 years now I have not been able to access my Equifax Credit Report online.

Every time I call Equifax about this problem, they tell me that they are going to escalate it to their Specialty Department, but it never gets fixed. They also will give me a confirmation number, but the problem still does not get fixed. I received a call from a guy named XXXX saying that the my.equifax.com should be working now, but it is still not working. The latest confirmation number I have received is : XXXX. 
Whenever I need to see my credit report, I must call Equifax and request a hardcopy, and they send it through the US Mail. Sometimes they require me to send them a copy of my drivers license, social security card, and proof of address ( utility bill ) before they send my credit report. But I should not have to do this long term. 
I have attached the letters I sent to Equifax, requesting that they fix this problem. I need them to remove all the garbage and get my credit report fixed.