23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I didnt know which to select above but basically, XXXX was sending me immense phone bills, i was in and out of hospital for several months due to illness and operations where I missed payments, XXXX were kept informed of my situation and made aware of payments going to be delayed and then there was a point where I came out of hospital asked what was owed in total and I paid the whole amount off and purchased an upgrade within 2 days of the new phone they cut me off and sent me a phone bill for hundreds yet again just 2 days after paying the whole debt! I asked them to provide me with proof of the usage which they did not for 3 years I tried several times to obtain this and even made offers to pay which were refused, just to get rid off them. The bill was in dispute and i withdrew my consent for them to have my data or continue as they kept breaching what was agreed, they then recently sent me the statements but made it clear that they no longer have any debt owed from me and that they require no contact with me this was because they had sent my data to a credit agency which has marked my credit file and refuse to remove themselves and have threatend to continue to harass me despite my attempts to get them to leave me alone and remove it, it has prevented me from many things as this is the only negative thing on my report and has caused me great distress. I have no contract with the debt collectors nor do I owe them a penny, and withdrew any consent for data to be held they have tried to use vodafones terms and conditions stating they can as per my terms, in the act of laws if a contract is disputed the original terms are null and void therefore the debt collectors shouldnt even hold my data in the first place let alone threaten to continue to XXXX me for debt, they were made aware of this dispute with vodafone and told that the terms are disputed and they were not aloud to access my data, but chose to ignore it and continue to obtain data from vodafone to XXXX me for money. XXXX are not my issue now, they have stated they will never contact me again, but PRA ( portfolio group ) refuse all attempts made and state they will XXXX me for debt, they can have my data and i do owe them money, all of those are incorrect, I dont even have a contact with XXXX never mind PRA, unless they can prove my agreement to their terms and show me a contract between myself and them I wish for them to remove from my credit file and leave me alone this is all I wish for. Thank you for taking the time to read this and I hope you can help me. Regards
Product: Debt collection

The company never put me on a payment plan to pay the debt I owe and now it is coming up on my credit report. This needs to be settled.
Product: Checking or savings account

I am a former Wells Fargo customer. I closed my accounts ( all of them ) with them several years ago. I still receive bill pay reminder notices and updates to online banking account terms and conditions. I have called and they assure me it is taken care of. Then I receive another notice. 
I would like the emails to stop. If Wells thinks I am still a customer, somewhere in their systems my profile is still active. This presents an opportunity for fraud!
Product: Credit card

My account and card has unauthorized payments of : 1 ) {$950.00} 2 ) {$430.00} I have an approved police report that was included in my dispute. The police report included identity theft and credit card theft. I also have proof of when and where these unauthorized transactions came from. I recently just spoke with my bank and I was told by another representative that they will ensure I get my funds back but since my claim was denied before I cant use the same evidence. There is no other evidence I can use beside the police report, the police actually going to the location where the incident happened, and the transactions on my bank statements. I was recently told by a CHIME MEMBER that I can not use existing evidence on a claim that was already denied. I believe that is very inaccurate or the CHIME SERVICE MEMBER doesnt have a clue what hes talking about. Ive been approved for another small claim that was unauthorized for : 1 ) {$26.00} I was told by a CHIME SERVICE MEMBER that they go by a claim by claim basis. Meaning that they pick and choose which claim should be approved. With the small claim I was approved for which was {$26.00}, I submitted absolutely NO PROOF. The major flagged unauthorized claim I had in my account ever in 6 years was denied when I have law enforcement proof and account proof.
Product: Mortgage

I have had a serious problem partially caused by myself and homepoint financial, my mortgage holder. 
In the process of moving I neglected to change my direct deposit for one month. After calling and making the back payment on XX/XX/XXXX I also changed the direct withdrawal to my new account. This change to my new account was not done so homepoint tried to charge my old account. Immediately after This on XX/XX/XXXX I called to straighten it out and was told everything was fine my new payment method was set up again.

Two weeks later my account was again not charged and I was charged another late and overdraft fee. On XX/XX/XXXX I called and asked to make a payment. I was informed I could only pay via certified funds because of this mess of mistakes on their part. I told him that I travel for work and I was unable to. I was advised to pay using very expensive means such as XXXX XXXX or to apply for a deferment. Im not at all happy with homepoints treatment of me or them suggesting I fraudulently use a deferment program. I would like to be paid back for the time Ive had to deal with this, any fees I have had to pay and to be able to pay my mortgage in a way that is not such a burden. 

Dates of calls and employee ids XX/XX/XXXX XXXX. Payment made XX/XX/XXXX XXXX changed payment auto draft XX/XX/XXXX XXXX XXXX XXXX XXXX argued with them XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, md ) had rented a music instrument to my son for which the full amount for a 1 year rental was paid. The instrument was returned at the end of the school year but the company claimed they did not receive the instrument and kept charging the rental every month. Communicated to them via email and phone but kept sending new invoices every month adding to the previous amount. 

They then reported to a debt collection agency and placed it on my credit file. I reported the complaint through XXXX and XXXX too.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ACT XXXX Acct # 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Debt collection

Portfolio Recovery Associates continues to call me from multiple different numbers no less than 7-10x per day. I have disputed the debt with all 3 credit bureaus and they continue to harass me.
Product: Credit reporting or other personal consumer reports

I strongly desire not to have this on my credit report. It is not belong to me. It is fraud! 

Kindly remove this to my credit report. This is causing me a lot of stress and XXXX.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I previously leased merchandise through Why Not Lease It via our local XXXX store. When the store announced they were permanently closing, I went into the store and paid off the remainder of my lease in XXXX. It wasnt until XXXX when I discovered there was a balance owed placed in my credit report. I reached out to the original creditor, Tempo 09 LLC to no resolve. They told me I needed to send them receipts as proof. Why would I still have receipts years later?! This account was then sold to XXXX XXXX XXXX. Ive previously reached out to them as well with no resolve. I have disputed this charge multiple times yet it is still showing as bad debt on XXXX and XXXX  ( was removed from XXXX in XXXX ). Ive paid this debt already!
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report that I did not authorize that need to be removed listed below. 

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

PLEASE BLOCKED AND REMOVED.

Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My Chime checking account was accessed by an unknown individual without my authorization while XXXX XXXX XXXX This person stole my belongings, which the staff had put away for me during my treatment for XXXX. They drained my bank account of {$3900.00} through 13 transactions, each spaced 30 seconds apart. Eight of these transactions occurred within five minutes, with amounts ranging from {$100.00} to {$100.00}. Then, a few minutes later, five more transactions were placed back-to-back within two minutes. One was {$600.00}, and the rest ranged from {$100.00} to {$100.00}. This type of activity, occurring within such a short amount of time between each transactionsome being seconds and others barely a minuteshould have raised red flags immediately if Chime was truly protecting their customers ' accounts. XXXX XXXX XXXX at the time and didn't have access to my phone, as it was taken with all my other XXXX XXXX XXXX XXXX I still tried checking for any notifications after becoming aware of fraudulent activity on my account. Not a single alert or notification from Chime regarding this activity was received. This is truly unacceptable treatment for a customer. I believe the fraudulent activity could have been avoided or stopped if Chime had not been negligent in providing the security and fraud prevention measures they claim to offer their customers. Due to this incident, I have lost the {$3900.00} that was in my account, which was the last balance I saw before being XXXX XXXX XXXX XXXX  That money was supposed to be used for my medical bills, which are now unpaid and will continue to increase. I really hope this error in Chimes security measures can be corrected accordingly and my money be returned to my balance ASAP. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX  Block Request Per FCRA XXXX XXXX XXXX XXXX XXXX Driver License # J XXXX XXXX XXXX XXXX SOCIAL SECURITY # XXXX BIRTH DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XX/XX/XXXX TXXXX VICTIMS LETTER TO CONSUMER REPORTING AGENCIES XXXX  Block Request Per FCRA XXXX XXXXC Timeframes for Consumer Reporting Agencies to Comply Consumer Reporting Agencies have up to XXXX business days upon receipt of the Submission to temporarily block the identified Adverse Information from Consumer Reports. XXXX ( XXXX ) ( XXXX XXXX Consumer Reporting Agencies have up to XXXX business days upon receipt of the Submission to contact the Survivor or their Advocate about any missing information regarding their Submission, if needed. XXXX ( XXXX ) ( XXXX ) ( i ) Consumer Reporting Agencies have up to XXXX business days upon receipt of the Submission to make a final determination about whether the block will remain permanent, or the block will be rescinded. XXXX ( b ) ( XXXX ) ( XXXX ) ( B ) Consumer Reporting Agencies have up to XXXX business days after a final determination is made to notify the Survivor of the outcome of the determination and provide the Survivor or their Advocate with a copy of their revised Consumer Report ( at no cost ), through the Survivors preferred communication method. XXXX ( b ) ( XXXX ) ( XXXX ) ( B ) Final Determination Consumer Reporting Agencies can deny or rescind a block in limited circumstances : The identity of the Survivor can not be reasonably confirmed ; The Survivor did not provide documentation determining Survivor status from an accepted source; and/or The Consumer Reporting Agency can not identify the adverse credit information to be blocked.

Survivors have the right to appeal a Consumer Reporting Agency 's decision. The Agency must provide information about the appeal process along with its final determination. 


If you have not processed a trafficking block before, it is highly recommended that you contact legal counsel prior to closing this block. 




FCRA XXXX XXXX Consumer Submission XXXX XXXX Request to Block Adverse Information or accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters on XX/XX/XXXX to to the credit bureaus and they are disregarding a regular consumer dispute. I have sent letters to them prior to this due to this matter that needs to be resolved immediately. The inaccuracies has taken a toll on my life and to not be getting a response is beyond crazy to me. There are laws that they must abide by. 

Today is XX/XX/XXXX and i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get in contact with them and get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation inaccurate information no knowledge of accounts on the breach of XXXX  sent po report XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN ; to whom recently tried to throw out my reinvestigation to an existing issue, Your full of XXXX and you'll be held accountable! I'm not going away with no lame excuse like that. Yall have a job to do! Investigate this matter thoroughly, figure out why their are fraudulent items still reporting on my credit report, i've listed them all on my ftc i.d theft affadavit and the extra sheet identifying each fraud item, YOU HAVE TO BLOCK THESE NOW. THEY ARE NOT VERIFIABLE OR VALID OR ANYTHING OF THAT NATURE, ITS IMPOSSIBLE AS THESE WEREN'T CONSENSUAL. DO YOUR JOB, YOUR NOT DEALING WITH A XXXX   HERE. NOW GO AHEAD AND TRY ESCAPING ANOTHER INVESTIGATION WITH YOUR LAME EXCUSES AND SEE WHO'S HANDS I PUT THESE PAPER TRAILS IN. 

I WENT AND GOT A NOTARY FOR PROOF IT IS ME DIRECTING THIS DISPUTE AND INVESTIGATION THAT YALL MUST NOW HANDLE! 

I AM ALSO PREPARING FOR A LENGTHY LITIGATION WITH A MASSIVE PAPER TRAIL INCASE YALL STILL DISHONOR THE LAWS IN INVESTIGATING ALLEGED FRAUD ITEMS. 
FCRA 605B LAW
Product: Debt collection

On XX/XX/XXXX I received a letter from a debt collection agency Unifin Inc . 
This letter states that they are attempting to collect a debt from the year XXXX on behalf of an original creditor known as XXXX XXXX XXXX XXXX. However, due inaccurate information because I was a victim of identity fraud the debt from the original creditor was removed from my credit report in XXXX ; in which I have documentation to show proof. I would like for the debt collection agency to cease and desist for which this debt is not valid and has already been removed.
Product: Debt collection

One main financial out of XXXX Iowa called my employment and disclosed who they were and that they were calling to talk with me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts from my credit report due to identity theft. I recently became aware of fraudulent accounts opened in my name following a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting immediate removal of these accounts. 
The following accounts are fraudulent and must be removed from my credit file : 1. Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a XXXX XXXX XXXX XXXX man, I am a living human being. I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681. They violated my rights numerous of times. 

According to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts. I demand the accounts listed below be removed. 

AccountXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credco, XXXX and XXXX XXXX, these agencies placed inquiries on my credit report more than once within less than 30 days, once a credit report is pulled once the company should not have to pull it again within 30 days. I only authorized this agency to do it once and again once the credit report report expires which was in 90 days.
Product: Credit reporting or other personal consumer reports

I have been working hard for a couple years now to have these frivolous, erroneous, inaccurate, and incorrect accounts investigated and corrected. Transunion keeps disregarding crucial legal regulations XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ( B ) ( i ) ( XXXX ) ( XXXX ), XXXX XXXX XXXX ( b ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX c ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and more. With the recent CFPB lawsuit against XXXX for their poor handling of credit report disputes, I believe this is a great time to address my problems. This process has been beyond stressful and detrimental to my livelihood. I am disputing the accuracy of the following items on my credit report, as permitted under the Fair Credit Reporting Act. 

XXXX. ) XXXX XXXX XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, FALSE Date of Last Activity, XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL, FALSE Date of Last Activity, ACCOUNT REINSTATED AFTER DELETION, XXXX. ) XXXX XXXX XXXX XXXX - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, FALSE Date of Last Activity, XXXX. ) XXXX XXXX XXXX XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, FALSE Date of Last Activity, ACCOUNT REINSTATED AFTER DELETION, HIPA VIOLATION, PERSONAL INFO WAS SOLD TO COLLECTION AGENCY ILLEGALLY XXXX. ) XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, FALSE Date of Last Activity, Below you will find impermissible hard inquiries on my credit report that I never gave my written consent for the authorization of which violates 15 USC 1681b, 15 USC 1681i ( XXXX ), and more : XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian and XXXX 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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 dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$95000.00} and XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$100000.00}.