23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year>, my wife gave birth in XXXX XXXX XXXXXXXX and the XXXX XXXX XXXXXXXX XXXX XXXX did not have XXXX coverage at that time. We were told that the process would take a month for him to obtain coverage. In the mean time, we can still go for check up and services after birth for him. We can claim it with XXXX later and the bills would be paid. 

When our XXXX XXXX XXXX XXXX coverage, we forwarded the bills for payment immediately. However, XXXX XXXX  still sent us bill and request for payment. When we called them, they told us that we did not have insurance coverage for our XXXX XXXX XXXX. We provided our insurance information to them to clear things up. However, they refused to listen and they insisted that we don't have coverage because the name on the insurance does not match the name in their system. The name on their system is XXXX XXXX and the name on our insurance is XXXX XXXX XXXX. They insisted that we owe the amount and we should stop playing games and start paying bills. They hung up on us after a few rude remarks. 

In fact, they have the wrong name on their billing system. We tried to tell them the issue but they refused to listen. According to XXXX XXXXXXXX XXXX XXXX XXXX record, the name they have is also XXXX XXXX XXXX. The name on the birth certificate is also XXXX XXXX XXXX. The name has been very consistent with the insurance and there was no apparent issue with names. In addition, they also billed us with the same name on the card insurance. 

We don't know why they did not update our insurance information for prompt payment. Instead, they insisted on being right and wasted everybody 's time and energy to satisfy their ego. It does not worth anything but troubles.
Product: Debt collection

I am a victim of identity theft. I first became aware of this in XXXX of 2022 when Radius Global Solutions ( a debt collection agency ) called me about an XXXX XXXX account that was opened in my name in XXXX XXXX, NV with balance of {$840.00}. My credit report indicates that was for services from one of the two following addresses : XXXX XXXX XXXX, XXXX XXXX, NV XXXX or XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX Both of these addresses are on my credit report and I have disputed them. 
There is also a Nevada phone number listed on my credit report : XXXX and I have verified with XXXX that an account was opened in my name using that phone number. 
I have never lived in Nevada and have never had a Nevada phone number and I have never had an account with XXXX. 
Radius Global Solutions bought this delinquent debt from XXXX and contacted me in XX/XX/2022. I explained to them that I have never lived in Nevada, owned property there or had an account with XXXX. Radius Global Solutions continues to report this fraudulent information to the Credit Bureaus and it has destroyed my credit. I want this removed once and for all. I have repeatedly tried to contact the company to no avail. I have never received anything in writing regarding this and only today have been able to get a reference number from Radius Global Solutions. However they were unable to help me resolve the issue, as all their staff work in XXXX and can not give me any information other than the reference number.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern ; This is in reference to the Consumer Report sent by SELF FINANCIAL. While checking my credit report, it came to my notice that SELF FINANCIAL has furnished an account ACCOUNT # XXXX on my Consumer Reports. 
According to XXXX5 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the three major Credit Reporting Agencies XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by SELF FINANCIAL will amount to Communication. 
I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. 
The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information, I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 
15 USC 6802 ( B ) clearly states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party.

15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. 
Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account ACCOUNT # XXXXimmediately.

This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 
Any further contact by your Agent or SELF FINANCIAL, except a communication, confirming your acknowledgment of this letter, is in violation of my Federally Protected Consumer Rights. 
If you do not cease communication I will escalate the matter to a Federal Complaint. 
XXXX XXXX XXXX
Product: Debt collection

i have repeatedly asked for a debt validation from Lvnv Funding Llc they have not sent me a contract that i have signed agreeing to pay any amount but yet they put it on my credit report
Product: Credit card

The wrongfully froze the credit without my knowledge or consent and are refusing to unfreeze and as of XXXX pst on hold without an answer
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 XXXX XXXX XXXX. 

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

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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: Credit reporting or other personal consumer reports

The FCRA mandates that credit reporting agencies maintain accurate and up-to-date information. Specifically, under 15 U.S.C. 1681i ( a ), I have the right to dispute any inaccurate or incomplete information on my credit report and expect it to be corrected or removed after a reasonable investigation. My address is XXXX XXXX XXXX, XXXX, CT XXXX have not lived in any of the following addresses in over 10 years and some of these addresses I do not recognize. 

Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The addresses and phone numbers listed above are no longer associated with me and are not relevant to my current credit profile. 
I have already sent a copy of my government-issued ID and proof of my current address for your reference.
Product: Credit card or prepaid card

I have a complaint against Citibank, servicer of Best Buy Visa Credit Card, which was opened in 2016. Everything was fine but unfortunately, I had my hours cut and tried to work out an agreement with them, since their payment dues were excessively high, out of proportion and unfairly billed. After several attempts to work out things, my account was closed and placed under a payment program of {$50.00} a month until paid in full. Unfortunately, once again, my hours were cut again at my workplace and tried to negotiate to settle my credit card debt by either pay off half of it or cancel the whole amount owed, which repeatedly refused to do so and insisted in charge me the full amount, regardless of my current financial situation.

Since I followed the advice of working out with my creditors during financial challenges, unfortunately, Citibank has been reluctant to work to help me in this tough time. I do the best I can to meet ends, but what if I lose my job and I am not able to do so?
Product: Checking or savings account

I had 10 fraudulent transactions hit my account with Jp Morgan chase bank starting on XX/XX/2019 for just under XXXX. Chase Claim # XXXX 2 came thru on the same day for XXXX and for XXXX. The bank put all the monies back in our account. The bank then sent us some forms that needed to be signed and sent back to them by fax or mail. We decided to send them back by fax. I sent from my place of business and my wife also sent from her work place, we assumed everything was handled. Then I got a call from JP Morgan chase telling me that they were missing one of the forms and needed me to sign form this was a month or so after the fact. So i asked the person to resend the paper work It took about 8 days to receive the document in question I signed it and took it to the bank Chase bank local branch and had them fax it to there fraud dept. XXXX was the bank rep i spoke with also spoke XXXX XXXX 2 times. 
There again figured it was handled. Then I got a letter telling me that the XXXX charge was handled. Next day i got a notice telling me that the XXXX would be debted on XX/XX/2019 because XXXX XXXX XXXX XXXX XXXX would not refund the monies because we ran out of time. XXXX and XXXX XXXX Escalated the problem and told me to keep calling the 800 # to see if they were going to return the monies I feel like i was getting the run around So at this point i am out the XXXX Chase bank branch could not help me any more so I told XXXX @ XXXX XXXX XXXX XXXX, Ca I was going to file complaints with CFPB, Federal reserve consumer help, and Controller of the currency. 
I was told that someone would be contacting me in 48 to 72 hours that didn't happen so I have chosen to file a complaint.
Product: Debt collection

I have never had an affiliation with this company before. I have filed a report with the FTC as a result of identity theft. I request this be removed immediately from my report.
Product: Debt collection

I dont know what happened. Ive received two phone calls. One was today, XX/XX/year>. Its a legal office claiming that I have to go to court and I am being sued for a chase credit card debt. I have never had a chase credit card. They knew my name, my birthdate, And the last four of my social security number. When I told them I have never had a chase credit card, I was told get off the phone you XXXX  XXXX! I called the number back and it says its illegal office, but it does not say which one. The phone number came up as potential spam and is as follows : XXXX. I checked my credit report and there is no outstanding debt for a Chase card. Like I said, I have never had one.
Product: Debt collection

Afni collections agency sold a paid debt to Harris & Harris the original debt was {$240.00} I paid the amount in full now Harris & Harris is reporting to the credit reporting agencies that I owe this debt but they never sent me notice of owing the debt. I tried to call Harris & Harris but the phone number listed on my credit report is invalid. I disputed it with the credit reporting agencies but they refuse to remove this.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notifying consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX charge off XXXX sold to XXXX XXXX. 

Date of last payment XXXX Have asked for deletion since it over the 7 year mark : Equifax will not. XXXX will not.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I have noticed that you are not removing items even when provided with an FTC report, such as # XXXX. Again, I am sending FTC Report # XXXX. According to FCRA section 605B ( a ) ( 1 ) ( 2 ), you are required to remove any erroneous information in my file within 4 business days after receiving ( 1 ) appropriate proof of my identity and ( 2 ) a copy of an identity theft report. The items in question are : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX. Please ensure that these inquiries, which resulted from an erroneous credit report entry, are removed within 4 business days. I do not consent to XXXX or any automated verification methods. I expect your prompt attention to this matter and a response within 4 business days.
Product: Debt collection

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX # XXXX, CREDIT COLLECTION SERVIC # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Product: Credit reporting or other personal consumer reports

Experian sent his to me yesterday by mail and the screen shot shows exactly what the problem is THEY SAY CLEARLY THAT PAYMENT HISTORY IS 35 % OF YOUR CREDIT SCORE AND IT IS THE MOST IMPORTANT THING ON YOUR SCORE, NOW IMAGINE WHAT MY SCORE WOULD BE IF EXPERIAN PUT BACK THE 19 MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY TO XXXX  THAT THEY STOLE AND REFUSE TO GIVE BACK. THEY KEEP THESE SCORES LOW TO PUS HIGH INTEREST CREDIT CARDS AND LOANS. 

PREDATORY PREDATORY PREDATORY
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred despite having sufficient funds when transactions where authorized. I was charged fees due to lagged posting of charges and credits, this issue aligns with the recent cfpb findings against navy federal credit union for similar practices where transactions settled with insufficient balance despite initially available funds.i really believe this practice is unfair and I request a investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I am writing to express my grave concern and frustration regarding the handling of the this attempt to correct late open accounts. Despite many attempts to address the problem of late open accounts, I continue to experience delays. The presence of accounts that are reported as closed late is another significant concern. This inaccuracy can lead to misunderstandings and financial discrepancies. These persistent issues have significant ramifications, including potential financial losses, damage to credit ratings, and erosion of trust in the process. The ongoing problems suggest a systemic failure that needs urgent rectification. 

In conclusion, I trust that you will help me to this matter as a serious attention it deserves and take decisive action to rectify the issues observed. Continued failure to address these problems not only compromises the integrity of the process but also undermines the trust.
Product: Checking or savings account

I opened a new checking account on BBT bank website as advertised in XX/XX/2019. I met all requirements on the offer at the time when I opened the new checking account but have not received the bonus offer as advertised to date. I called on XX/XX/2019 and customer service told me there was no promotion code on my new checking account, which was not in the offer when I opened the account. So I can not receive the bonus offer.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I deposited a United States Treasury check into my Chase Bank account via the teller, who issued a receipt indicating that funds would be available by XX/XX/XXXX. However, upon attempting to withdraw funds on XX/XX/XXXX, the bank manager informed me that they were unable to release the funds, citing a lack of clarity from an unspecified department within the bank. Despite subsequent communication with a market executive assuring me of funds availability by XX/XX/XXXX, no such release occurred. As of XX/XX/XXXX, customer service asserts their intention to withhold funds from a government-issued check. Chase Bank 's current practices do not align with the provisions set forth in the Expedited Funds Availability Act ( EFAA ), a federal statute governing the availability of funds deposited by check.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I am writing to dispute an unauthorized inquiry that appears on my credit report, which violates 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). This law strictly regulates who can access my credit report and under what circumstances. A hard inquiry can only be conducted with my prior written authorization or for specific permissible purposes, as outlined in the law. 

Under 15 U.S.C. 1681b, I have the right to dispute and request the immediate removal of any inquiries made without my explicit consent. These unauthorized inquiries are negatively affecting my credit score and overall credit profile.

Additionally, this situation involves multiple violations of federal laws, including : 15 U.S. Code 6801 : Protection of personal information 15 U.S. Code 6802 : Obligations regarding disclosure of personal information 15 U.S. Code 6803 : Disclosure of privacy policies 15 U.S. Code 1681e ( b ) : Accuracy of credit reports 15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports 18 U.S. Code 1028A : Aggravated identity theft These violations reflect the unauthorized access and inaccuracies on my credit report, which must be corrected immediately to protect my consumer rights.

I have attached a copy of my photo ID and proof of address for verification purposes. Please investigate this matter and remove the unauthorized inquiry from my credit report. I kindly request that you provide me with an updated copy of my credit report once the correction has been made. 

Thank you for your immediate attention to this matter. I look forward to your confirmation and an updated credit report. 

Sincerely, XXXX XXXX XXXX XXXX