23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX  Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX XXXX Balance : {$43000.00} XXXX XXXXXXXX Balance : {$43000.00} XXXX XXXXXXXX Balance : {$36000.00}
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$21000.00}
Product: Credit card or prepaid card

I recently submitted my remittance payment to capital one as outlined U.C.C 3-306/3-111 and capital one closed my account which is a violation of my rights
Product: Prepaid card

I received a XXXX card from my employer XXXX. Ive always got direct deposits from my employer. They claimed to forgot to pay me and then XXXX me a XXXX card that couldnt be activated. Ive been sabotaged, ignored, discriminatory acts related to my employment since my major operations. Missing equipment, equipment I didnt request and had to sent back. Getting equipment I sent back and then Hr stating they never got it but I sent photos of the equipment being sent back my XXXX was XXXX XXXX. I missed XXXX class due to denial of through XXXX XXXX  leave which company knew about before I was hired of my Accomdations. Since XX/XX/XXXX I was in training waiting on equipment but I only got XXXX towers no power sources for them and the defective ones I sent back in XXXX. Then, today when trying to activate the XXXX card while on the phone with payroll they said it was protocol to send my check via a prepaid card when all year its been direct deposit with Founders. Now, Ive got no response from employer. Lies on top of lies its like Im being tourtured for filing a complaint. When trying to access the XXXX I noticed multiple employers linked to my old social security number that I never worked for. But when trying to put in my info it showed denied. But then XXXX showed up which is a friend number I asked him for the code and the Employer showing XXXX XXXX has my full name middle name including with a XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. With XXXX employees. And my as a night shift XXXX which is false fraud wrong altered information. It showed benefits and a lot of XXXX people with emails ending in XXXX. It showed a XXXX XXXX account another Employer named XXXX XXXX XXXX with Position XXXX XXXXXXXX, Associate XXXX  XXXXXXXX XXXX XXXXXXXX Night XXXX it shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I worked for them but not XXXX XXXX XXXX I worked for XXXX XXXX XXXX wrong information linked and the XXXX Hotel and XXXX XXXX is a fraud account linked to me. Which explains the XXXX Security key linke to a Corporate account with XXXX XXXX and the ghost account it shows an account number for XXXX XXXX and someone being paid under my old social security card. When trying to file a complaint with XXXX it kept sending an error message. My number isnt XXXX. My number is not the one on this qcccount either.
Product: Debt collection

I have contacted this company in regards to a bill that was owed. I asked for validation and this is what they sent me. None of the information was in my name. I clearly shows it was a application in XXXX XXXX. They changed the name to XXXX XXXX. When I explained that was not me she stated yes it was and we had a argument. I asked for validation forms of my name and social on the paperwork and this is what I have received. Again the name and social are not mine and yet they entered this on my credit report and I spoke to them. I do n't even know the address listed on the application. They sent the correspondence to my PO BOX . Also, since action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX XXXX XXXX XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
Product: Checking or savings account

Ive been back and fourth fighting everyday with Bank of America sometimes 4 hours a day they completely locked me out of any online services to my account did agent assisted transfers Ive never done and continues to allow activity in transfers ease and reversals and no statement or access for communication possible for me account take over and discrimination to be able to view access anything to now a year and half later send me resolutions letters of my account be credited and permanent and not releasing or giving my funds over a month of resolution the denie my claims less then 24 hrs when it takes 3 hours to summit with no details of investigation or reason of denial I have n way to get my money if no one regulated the law on the banks I have nothing but letters and no action its XXXX how can anyone continue to let this happen
Product: Mortgage

I have been working with a client to try and get a loan modification for about a year and a half and the company ( XXXX  ) has confirmed receiving documents and then retract the confirmation a few days later. They have asked documents that were already in their system and was confirmed to had been in their system by multiple representatives. They have requested documents that a client would only receive once a year monthly claiming the document expired and was needed with a most recent date i.e. food stamps letter, divorce decree and affidavit. At one point ( XX/XX/XXXX ) I was told that the application was under review and completed with no additional documents needed only to call back on ( XX/XX/XXXX ) to be told that the application needed to be resent. There are multiple dates of interaction with this company and me sending duplicates of documentation. The latest experience was when I called XX/XX/XXXX and was told that the application was under final review and to call back the following week. I was also told all documents requested were received and the application was complete. When I called back the next week I found out the case was closed because the underwriter did not receive the requested documents. The representative looking into the file seen that there were contradicting notes and the documents were there and accepted prior to the close date. She asked me to just send in an updated Financial Form and the case would just be reopened. I did that and the documents sat in imaging for almost two weeks. When I spoke to someone else that put in a request to have the case changed to someone else and to have the file escalated. The " escalation '' representative stated that though she believes and I quote " you guys are being giving the runaround '' because she was able to confirm everything I said to her, that she has to go by what the underwriter told her and we needed to submit a new application. I asked why don't they use the application that is sitting in imaging since it is a new application. She had no answer. I have resubmitted everything and once again they claim they got the application but not supporting documents which everything was sent together. They are also requesting for the application again even though they have it and have opened a case with it. I have more dates with more issues the list continues. This has been going on for too long. We just would like to have a solution to help my client out, but we want to make sure that things are being done properly. They even force place insurance on my client when she had insurance and the documents were sent to them and I also sent them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

I purchased a money order while out of town in XXXX, Georgia to payment my car payment for {$550.00} from XXXX 's on XXXX XXXX XXXX. The money order was lost in the mail. In XX/XX/XXXX I sent them the required paper documents to XXXX XXXX in XXXX, Colorado but they said they did not get it. I send it to them again by email and they send me back a copy of the money order showing who cashed it. I would like my money please!
Product: Debt collection

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue. 
______________________________________________________________
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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 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

In accordance with the Fair Credit Act XXXX the information provided below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However I requested details of how they verified them and to whom they spoke with to verify. They have yet to provide my this information that is required by law. Also when I update my credit reports I can see that nothing has changed since my request. All the data is still the same and not even the same per bureau. My XXXX suggested I file this complaint. 

Account items in question. XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX & XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I sold an item to a customer who asked to pay {$10.00} using the Chime XXXX XXXX XXXX XXXX feature. I received a text message from Chime Financial with a link to claim the money. I tried to claim the money using a debit card and failed with an error message. I tried to claim the money using a second debit card and failed again with an error message. I created a Chime account and tried to claim the money by transfer into a Chime account and the claim failed without any error messages and my balance shows XXXX. 

On XX/XX/year> I called Chime support and when I reached a support person they hung up on me. 
I called Chime support a second time and reached a person who said that they can see a problem with the XXXX XXXX XXXX XXXX feature, but that they can't fix it. They suggested that I find the person who sent the money and ask them to send it again. The support person then lied to me by saying that the link came from the person 's phone number and not from Chime 's phone number. After asking how to proceed, the support person hung up on me. 

I still have not been able to receive the {$10.00} payment, and chime claims that it will " expire '' on the XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( XXXX ) : Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Amount : {$0.00} Date of Account : XX/XX/year>
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a

complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. Method of Verification Dispute Notice : Remove these Fr
audulent Accounts, Inquiries & Inaccurate Personal Information.

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This COMPLAINT is a formal request to remove unauthorized Inquiry from my credit report. I've already sent letter to TRANSUNION to remove this inquiry on XXXX XXXX In accordance with the Fair Credit Reporting Act. I respectfully ask TRANSUNION to investigate my claim and, if after investigation, Bureau find my claim to be valid and accurate. I ask that will immediately delete the unauthorized Inquiry outline above. Furthermore, I ask that send a corrected copy of my credit profile to me.
Product: Debt collection

I attempted to reach out to Midland Credit Management to settle a debt that is in collection. The debt is originally from XXXX and was charged off by XXXX at {$3500.00}. MCM is attempting to collect for {$5800.00} at this time. I was not in a financial position to pay before, but, now, I am able to afford to reach some sort of settlement with them, so I reached out to MCM. I advised them that I had {$1800.00} on hand at this time to pay off the amount if we could reach that agreement. They advised that they would not accept that amount and said the only amount for a lump sum they would agree to is {$4100.00}. I explained that due to financial circumstances I could not afford this. I inquired as to why the amount could not be lowered since several months prior I had received a letter stating that I could pay off the amount for 40 % what was owed. I was told that this offer was expired and the lump sum payment would again be {$4100.00}. I asked if I was able to get a little more money together if we could reach an agreement but they refused this. They stated that paperwork had been filed with my local district court by their attorney. I did a search of the court records and found no case or file associate with myself within the district court system. I 'm not sure if this was a move to place me under duress to pay the amount they wanted me to pay or not. I asked MCM several times to provide me copies of the legal documents they said they sent to the district court, but they refused stating that it was not in their company policy to provide such paperwork.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer reports, I discovered a instance of a late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with the utmost accuracy. I have never been 30 days late on the following account : XXXX  XXXX I request a thorough investigation into this discrepancy and urge you to provide evidence, such as statements, demonstrating the lateness of this payment. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on time, as I have consistently upheld my payment obligations without XXXX Submitted to the CFPB on XX/XX/year> I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address name, and phone number as well as documentation that proves this account was late, If you can not provide me with this information in 15 days update the account to XXXX XXXX and send me a copy of my updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i applied for a new credit card named the " Double cash back credit card '' from citi bank. The only reason i applied for this card is because XXXX XXXX said my approval odds were XXXX chance to get approved. After applying i noticed they declined me for the reason of my credit score being low and too many inquiries in my credit. The reason i am disputing this is because XXXX  has muiltiple inquiries on my account. Which prevented me from getting approved, i did make a mistake on inquiring muiltiple times but i have had credit for over 3 years and never have i missed a payment ever. I have just left my school and started working full-time. I am very responsible and have low balances with excellant credit. I just want to earn the opportunity to increase my credit portfolio without any mistakes. To whom it may concern i hope you can help me remove the hard inquiries on my credit report so i can get approved for a credit card. My current credit score is XXXX ( XXXX  ) XXXX ( XXXX ). I have about 20 days to get my XXXX  account fixed so i can re-apply with the double cash back credit card. 
Thank You
Product: Debt collection

My Name is XXXX XXXX and my information was exposed in a data breach. 
Being my information has/will/ and can be used again being all of my social security information, my date of birth, and my personal information was stolen due to this data breach, I want my credit report cleared of anything and everything. Should you need to contact me personally please do so I would be happy to speak with you.