23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I had never used a cash app except for XXXX before until XXXX XXXX, 2021 when my son asked me to open a Chime account so he could send me {$500.00} for his final car payment on a vehicle he had purchased from my husband and I. I created my Chime account and he transferred to {$500.00}. The next day I checked the account and the balance showed {$500.00} as expected. I tried to link the card to my XXXXXXXX XXXX account and my XXXX XXXX XXXX XXXX account as Chime stated was possible in order to transfer the funds but neither bank would link to the Chime card. Since I planned to use the {$500.00} after XXXX at the XXXX store along with XXXX gift cards my husband and I have received I decided to just leave the {$500.00} on the card and take it to use at the XXXX store. Once the actual debit card came in the mail I activated it in the Chime app as instructed and set up a PIN. I also checked the balance and it was still {$500.00}. On XXXX XXXX my husband & I drove XXXX miles to the XXXX store at the Domain in XXXX, TX which is the closest one to where we live in XXXX, TX. When we tried to purchase the items the Chime card was declined! I was mortified! While my husband tried several attempts at different amounts ( all failing ) while I contacted XXXX where I was told they were having problems and I would need to wait till the next day! The next day I went to and ATM to withdraw cash and the card was declined again. I called XXXX and was told I had already called and there was nothing else they could do. I just needed to keep trying from time to time until the card worked! After a couple more attempts and being declined I emailed XXXX and got a response that thanked me for my feedback and apologized that the weather in XXXX XXXX had been too bad for them to send the money! They are barely even making an excuse as to why they are holding my money hostage! They have virtually stolen my money! They have made no offer of a new card or a check or re-booting the ATM or I don't know but I don't have any faith in the company ever doing the right thing without stern encouragement from someone in authority! Please help!
Product: Checking or savings account

XX/XX/XXXX my social security was deposited into my chime account I had moved it from checking to my XXXX XXXX XXXX. I received a XXXX security alert saying someone was changing phone number to my XXXX to take care of securing my account before I could log in they changed email and password which I couldn't recover then locked me out of XXXX which was changed as well I couldn't recover account then I searched for phone number to XXXX and the number XXXX search results gave a phone number I called they answered XXXX  support I explained they remotely was in my phone and went to XXXX  pay which XXXX was linked to and went to my bank account and transfer money back into checking and then paid themselves from my account.i notified chime and they denied claim said I was apart of it but they never notified me that there was a transaction for XXXX was I trying to pay this person. So right in frt of my eyes it was gone and they won't give it back and I'm afraid it will happen again.. XXXX XXXX XXXX email all cards and no help they made fun of me crying
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 XXXX-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 from XXXX. 

Please delete the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a charge-off that I do not recognize. This charge-off has been reported to [ insert name of the company or financial institution, such as a creditor, credit bureau , or ChexSystems ] and appears to be fraudulent, potentially linked to identity theft. 

Here are the details of my case : The account in question is listed under [ account number or reference number, if available ]. 
I have no knowledge of this account or debt, and I believe it was opened or misused without my authorization.
Product: Student loan

XXXX initiated an internal transfer of loans with the expectation that it would take XXXX weeks before being able to gain access to them. It has been past that point and when speaking to customer service they state they have no updates, ETA, or can advise on what to do beyond checking back each day. They advised they do not have a plan if this issue persists past XX/XX/2023 and could potentially cause customers to accrue interest on higher balances. They have effectively made it where you can not make any payment and do not have a time frame on when they will allow payments to resume. This is causing undue stress for those that are attempting to pay down balances or even pay off their loan balances.
Product: Vehicle loan or lease

My payment was no more than {$200.00} bi weekly ... Less than 24 hours after I got my one week check from XXXX 's ( I put in notice that I got a better wage offer and all overtime I was willing to work ) so they cut my hours, while i was changing clothes for second job they remotely disabled the car. I explained my situation and they kept asking if I could just pay it over the phone ... " You XXXX gave me the loan with a pay stub, not a checking account or cc for collateral '' now im running late for work, I tell them to come get the car I'm not dealing with the hassle ... They apologize change my due date, then less than a month later " XXXX '' XXXX in XXXX, il closes down with no notice ... Just a sorry note on the door all wages unpaid around XXXX before tax I should have grossed so when the car was shut off I called and said I just lost my job and got ripped off XXXX by owner that if it doesn't start I'm leaving keys in it I'm done with them ... A week after that I was XXXX for 3 weeks ... Meanwhile they kept charging me like they were letting me drive it ... They disabled it a about a week before my XXXX stay of 3 weeks .... Let 's say they did let me drive it the whole time, how is the balance so high??? XXXX $ what was I charged for??? They took it while I was in XXXX and continued to bill ...
Product: Debt collection

XXXX went through another collection agency to try and get me to pay a bill already paid.
Product: Debt collection

I XXXX XXXX would like to negotiate my remaining creditors and avoid filing for a Chapter XXXX bankruptcy. I request the following conditions be part of my negotiation process as part of my rights under the Fair Debt Collection Practices Act. My conditions are as follows : 1 ) All calls to my home, cell and work cease and desist immediately. 
2 ) That all correspondence be by direct mail to my home or by email to XXXX. 
3 ) That a reasonable offer in compromise or lump sum settlement be offered. 
Thank you for your consideration in this matter. 

XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Hi I was wondering can you help me with a loan app that I transfered money out of my chime account to my dave account. To my extra cash account I found that the money was not transfered to. I looked and the money was involved to a transfered to another account with other person 's access to it with my name attached. and the money never became available to me. For the way you use the transfer method. To use the dave account from my account I transfered it from, the chime, account I have.
Product: Debt collection

On my credit report, the collection agency has reported twice for the same original creditor which is XXXX XXXX XXXX XXXX but for two separate amounts. One for {$580.00} and another for {$1500.00}. I do believe this creditor is trying to get additional monies because one is {$1000.00} more with the exact amount in the hundreds. I also have not received anything from them stating this debt. Just something on my credit report.
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 XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXI Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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: Debt collection

On XX/XX/year> a debt collector hunter warfield inc. opened a collection account on my credit report. I am not aware of this debt. I was not given proper notification of this debt nor the opportunity to dispute this debt prior to it being put on my credit reports. If in fact this company believes I was given proper notice prior to this being placed on my credit report, I would like a copy of the certified notice with my name and signature on it making me aware of this debt and the opportunity to dispute before it was placed on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark & can not verify verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to ... .Promptly delete all information which can not be verified that I have disputed.
Product: Credit reporting or other personal consumer reports

I have some collections reporting a debt on my credit file that I do not understand. There are XXXX XXXX XXXX  accounts which I do not recognize and a XXXX XXXX. I was previously in an XXXX  relationship, we had a lease on our apartment that I was thankfully able to get out of. However, I called to cancel gas and electiricty under my name when I did move out and paid the remaining balance. However, my ex went in and put my name on the utlities all over again and they got sent to collection against my knowledge. He is currently serving a sentence and so I filed a report with the police because this is not the only account that I am having issues with. I followed all the right steps to get rid of this debt and finally get some peace of mind and be able to move forward with my life but it seems like these issues keep holding me back. This debt is not mine and I ask the collections be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and credit inquiries listed on my XXXX XXXX and Experian credit report are fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   and the XXXX XXXX XXXX XXXX MasterCard credit card account ending in # XXXX. The following XXXX XXXX XXXX   XXXX Visa credit card account is lost/stolen # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOUTHERN MANAGEMENT SYSTEMS INC. IS A THIRD PARTY CREDITOR WHO HAS NEVER RECEIVED MY WRITTEN INSTRUCTIONS TO REPORT ANYTHING ON MY CREDIT. THEY HAVE PRODUCED SOME FRAUD DOCUMENTS WITHOUT MY SIGNATURE. SOUTHERN MANAGEMENT SYSTEMS INCXXXX IS AWARE THEY ARE VIOLATING THE LAW! In accordance with the Fair Credit Reporting act SOUTHERN MANAGEMENT SYST 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: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

Jefferson Capital System is reporting to all XXXX credit bureaus that I have an account with them which I do n't and that I made a payment to them which I did not which has now updated the account so that it does n't fall off. Is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth 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 alleged fraud or extortion.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian responds within XXXX hours stating the account is accurate, without investigation. This practice violates the FCRA, which mandates a reasonable investigation of disputes. These actions also contravene the CFPA. I request that the CFPB take action to ensure they comply with the federal law and provide proof of investigation. 

The following account should be removed. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have any idea about these accounts. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!! XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CRE XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of this year I have been sending written correspondence to EQUIFAX regarding an inaccurate account that is being reported to my credit report. There is a XXXX  XXXX card that belonged to my wife, which was settled and no longer reports to her credit profile but still shows on my EQUIFAX credit report as an authorized user and the closed account is showing as DEROGATORY. 

I have requested in writing for proof of the account 's status and any records to support why EQUIFAX would have it listed on my report, but still have not received ANY correspondence back from EQUIFAX. 

I have tried to be patient and understanding, considering the fact that EQUIFAX has been under scrutiny and Federal investigation for false reporting. Unfortunately, I do not believe EQUIFAX has any plans to help resolve this matter. So here I am 9 months later seeking clarity and support to resolve this matter.
Product: Checking or savings account

I was travelling out of the country in XXXX, XXXX and XXXX from XXXX XXXX XX/XX/XXXX. During this time, I tried to access my funds from different ATMs and was denied access in all of them except XXXX XXXX XXXX ATM in XXXX XXXX where I was capped to a withdrawal of XXXX. My daily limit is USD XXXX. I was no where close to this limit and my account is in good standing. I'm not sure why I was not able to use my ATM debit card in these countries. I was able to do so in prior years. These ATMs are part of the worldwide XXXX  network and should honor XXXX debit cards. When I called PNC from my travels they said they are not even able to see the transactions come through. This seems to be an issue with the XXXX network and PNC Debit card. When I returned back to USA I filed a formal complaint with the bank and they refused to take any further action besides saying they will review the matter internally. I wanted a written response to my issue and they refused to provide that.. I had to borrow funds from family during this time and use my credit card extensively since my ATM card was not working. This is against the card holder agreement that I signed with this bank. The agreement states that I should be able to use my card everywhere in the XXXX network. This is a default on that agreement
Product: Debt collection

Dear Sun loan In regards to the installment account opened in 2015, it has been brought to my attention that you claim that I owe {$130.00}. While I accept no responsibility for ownership of this debt, Im willing to compromise and offer a full payment settlement amount in exchange for your agreement to the following : Your agreement to the full and complete deletion of any past-due references pertaining to this account from all credit bureaus to which you report. 
Your agreement that this payment constitutes a paid in full account, and not a paid collection or settled account. 
Your agreement that you will not attempt to sell or reassign the rights to this account to another third-party debt collection agency after payment has been received. 

While Im well aware that your purpose is to collect debts that you have obtained from original creditors, I am also aware that you are under no obligation to report any of these accounts to the credit bureaus. 

That being said, your full cooperation in deleting this account in exchange for payment is appreciated. 

When I receive signed documentation from your authorized representative on company letterhead stating that you agree to the terms above, I agree to pay {$130.00} via certified funds either over the phone via debit/credit or e-check, cashiers check or money order. If money order or cashiers check is chosen as the option, the payment will be sent to you via priority mail as soon as I receive the signed agreement. 

Please be aware, that this is not a renewed promise to pay. I make no claim of responsibility for this debt, and I make no statement that I believe that this debt is valid or owed by me. 

In the event that you do not agree with the resolution terms I have offered above, I will move forward with my rights to request a full and complete verification and validation of this debt. 

I am also requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation proving that I owe this debt ; and a copy of your license to practice debt collection in my state. Additionally, I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. 

I look forward to a timely resolution of this matter. 

Regards, XXXX XXXX