23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have written to World Finance not to contact me. See the attached letter from their corporate office, XXXX XXXX ( Government Relations Manager ), which confirms that they are not supposed to contact me. The letter clearly states that the account has been notated not to call and employees have been instructed not to call me. Well, an employee ( XXXX from the office in XXXX, GA ) called me on XX/XX/2021 at XXXX est. This is a problem. The company should not still be contacting me. I am going to escalate this to the attorney general 's office if this continues. The company is also still reporting an incorrect balance on my credit report.
Product: Checking or savings account

XX/XX/23 - I received XXXX emails from Chime. 
1. [ Alert ] There was a new login to your Chime account.

2. Welcome to Chime 3. Youre one step away from XXXX XXXX! 

All references that I have an account with Chime, which I never signed up. It notes to reset my password if I did not open the account. However, I could not reset the account because it required a phone number for multi-factor authentication tied to a phone number that was not mine. 

I submitted a request to disable the account to XXXX, I opened a chat, and called chime at XXXX several times, but no one could help and all requested private ( DOB, SS #, accuont number ) information from me that I am not willing to provide for an erroneous account.
Product: Credit reporting or other personal consumer reports

XXXX Block Request To Whom It May Concern, I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking.

Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX documentation to the consumer. 
The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year 2022 ( 2022 NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the 2022 NDAA . Section 605C is effective 30 days after the Bureau issues its final implementing regulations. 
BILLING CODE : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Docket No. XXXX XXXX XXXX XXXXXXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases oXXXX XXXX XXXX  ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX incorrectly decreased my credit limit from {$10000.00} to {$9400.00}, I supplied my XXXX showing income of {$160000.00} in 2017. They increased my limits back to {$10000.00}. BUT Experian only acknowledging the decrease which in turn caused all other credit bureaus to report decreases, now my score is XXXX, I have no late payments to XXXX and in being punished in my scores for their errors. Experian is impossible to contact and im Really angry they are reporting inaccurate information. Their records do not show my incomes, so their ratios are wrong and Im a consumer that never just makes a minimum payment I have aged accounts and Im so upset they can just create their own version of the truth and I cant get them to even acknowledge their fraud much less correct. Im hoping I can report to XXXX and OIG. Thanks XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

Fraudulent/Negative Accounts : XXXX XXXX XXXX Account XXXX : Account XXXX Balance : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number : Collection Opened : XX/XX/XXXX Balance : XXXX Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX Inquiry name : XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry 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
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT MINE. XXXXWILL NOT REMOVE XXXX XXXX XXXX XXXX Hide Details XXXX   XX/XX/XXXXXX/XX/XXXX {$14000.00} XX/XX/XXXX PAYS AS AGREED {$14000.00}
Product: Debt collection

I receive notice regarding a loan that my parents had prior to their death which I paid off however the bank is unable to find a record for that. 

Although Bank of America actually took me to court and lost in the judicial decision but at the time if you see the court records I put up the exact amount of the loan which was never repaid to me. 

Bank of America made two attempts one at the XXXX XXXX located in XXXX XXXX XXXX and unfortunately the power went off. 

The second attempt to remit the payment part of the judicial decision and that the loan could not go against my property at XXXX XXXX XXXX was attempted at the Bank of America located on XXXX in XXXX
Product: Debt collection

On XXXX XXXX 2021 RENTDEBT AUTOMATED XXXX and collection account was removed from my credit report however, it was added back XXXX XXXXXXXX 2021. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$460.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$6900.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

My husband paid my credit card in the full amount with a check that had the credit card number, closed account, paid in full clearly written on it on XX/XX/XXXX. The check cleared my husbands account the day before the due date. I called the credit card company ( CHASE ) a week or so before it was paid in full and said we were closing the account and paying it in full and asked what was the payment amount. Today XX/XX/XXXX we are now receiving notices that the account is past due for {$6.00} when the account had a zero balance. When I called the bank they threatened to add late fees to the account also. I highly advise anyone to think twice when dealing with Chase bank or card member services at XXXX XXXX XXXX, XXXX, DE XXXX
Product: Debt collection

I was notified on XX/XX/2021 by company HS FINANCIAL GROUP , LLC proclaiming to attempt a debt collection for an amount of {$3400.00}. The notification reveals that the collection was being done on behalf of a separate entity identified as XXXX XXXX XXXX, XXXX. I would like to report these collection efforts as both fraudulent and unethical. There was notification sent to HS FINANCIAL GROUP , LLC back on XX/XX/2021 requesting validation for the said amount owed. Proper response was not given and I feel that my personal information/identity as at breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. Everything has to be 100 % accurate on my report. 

The credit bureaus stated my account was properly investigated. However, how is that possible if last date reported, account number, payment history is invalid or incomplete in all 3 credit bureaus. When it should be 100 % accurate.

This is a continuous violation of my rights under 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 reporting consumer agency can not furnish a account without my written instructions. 

I demand to delete accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX or # XXXX ( as they are different account numbers on each bureau ) XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX I dont recognize any of these accounts, therefore. Please update everything 100 % accurate or delete them immediately. As they are causing me outrages interest rates. ( Example paying {$340.00} on a {$6500.00} car loan. ) This is my last letter in regards to correct this errors. I understand I have the right of up to {$1000.00}. For every violation on my credit report and will proceed as follows. 

Thank you for your time with this matter.
Product: Mortgage

Today I tried to reach out to customer service for well over an hour and a half.I was connected to two different people, none of which were able to help. Anytime I need to contact my mortgage servicer, I get a runaround and no answers because I'm always sent to the wrong place. I would like to know when/how to remove the PMI.
Product: Prepaid card

On XX/XX/2023 I reached out to Money Network ( MN ) to inquire why my transfer from MN to my personal bank ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Member FDIC ) was being declined. MN stated that my personal bank was not a bank that they could transfer to. They told me that they would try to clear any flags on the account and to try again the following day ( XX/XX/XXXX ) ; witch I did to no avail. On XX/XX/XXXX I called again and I asked if they had a list of banks that they could transfer to without issue, and they said they didn't have a list of banks to transfer to without issue. They then advised me on the " easiest '' way to get my money out of the account, which all entailed going to an ATM or check cashing business and withdrawing my cash ( consequently paying their transaction fees ). They advised that if I went to a MN, in network ATM that I could take out my funds, but likely in denominations of {$20.00}, therefore leaving a portion of my total balance in the account, and therefore unaccessible to me to use as I wish, in full. If I could transfer the money that is mine from MN directly into my personal account, then that amount could accrue interest, or I could use it as I deemed fit. In this scenario, I am forced to abide by constraints set by MN, and to pay associated fees for withdrawing from their ATM network ( which is {$1.00} for amounts of {$800.00} ( the total allowable withdrawal per XXXX ). If EDD deposits {$1600.00} ( which will happen as long as XXXX XXXXXXXX  ), they I will have to go to an ATM two days in a row, but will still leave {$20.00} in the account this is unacceptable. The only morally correct resolution in this circumstance if for MN to provide transfers from their network to all other banking institutions with no fees the money is mine, in full, and I should garner no fees for using it as I wish, in a timeline that I deep fit. Yes, I could use the card as a simple debit card, but then again, the remainder of the money in the account is not in my personal account accruing interest. If MN can retain fractions of my EDD deposits at their will, then either they have to pay me interest, or pay for the fees associated with handling transfers to my personal account. 

To be honest, this feels like a scam ( which the state is complying with ) ; I have no choice in avoiding this contact that is provided to me. The MN contract for this specific account sets forth an agreement which I have no other choice but to accept that is unacceptable and unlawful. If MN is going to have a link to " transfer funds '', then it should work without prejudice.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : 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

I am having major issues with finding inaccurate/ invalidated accounts after carefully pulling my credit report from your agency. I have no knowledge of these items or inaccurate information as my information was impacted by the XXXX data breach and may have gotten into the hands of the wrong person. I have solid proof that the breach caused these false items to appear on my report. I also contacted the company regarding the account below and they have failed to validate this account. You are reporting negligently and inaccurately and failing to comply to the FCRA. XXXX and XXXX have since removed this account. I demand that these items be deleted immediately and updated. I also demand that you send me a credit report with the updated changes within 30 days. Please see the attached data breach claim and the dispute letter which is dated, and time stamped. XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

About my card ending in XXXX I reached out to citi dispute team several times, regarding a XXXX charge ( case ID XXXX ) posted on XX/XX/23 which was not found in my favor from the merchant XXXX filed by citi as Canceled service. I filed two other dispute with the same merchant filed as services never received which was found in my favor for dollar amount XXXX ( Case ID XXXX ) and XXXX ( Case ID XXXX ). The dispute team sended me a letter saying they closed the XXXX dispute saying " we no longer have any recourse to obtain credit for you since the timeframe, in which to resolve a dispute has passed. We apologize for inconvenience this may have caused. '' I reached out to citi several time prior requesting the filing reason they put to be changed but they did refuse to take appropriate action. Citi had 2 times prior found this XXXX dispute not in my favor but I had responded to citi and had the case reopened. I spoke with citi today inquiring about their logic which lead them to close a dispute as it took there team to long. In intrest that citi take action in resloving this dispute in my favor I would appreciate it that citi be reached out to and resolve this case in my favor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. I also received a email from XXXX stating, they do not contact the consumer reporting agency. 15 USC 1681 section 603 XXXX XXXX XXXX ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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. As of XX/XX/2022 XXXX mailed a letter asking Bankruptcy to be removed so how is accurate. As well as XXXX has removed from my record.
Product: Debt collection

The Law office of D. Scott Curruthers has been contacting me about a debt that is unrelated to me. They have been harassing me as well as other members of my family. The apparent debt allegedly has to do with my brother. If there is debt to be collected by someone, you call that person. My father, mother, step mother as well as myself have been contacted by this agency. I believe it 's illegal and also unprofessional to disclose debt information to someone that is not involved with the debt. I 've demanded that they stop calling but all I get is a voicemail. Please make this stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 i submitted a complaint to Trans Union. I asked numerous of times for a re investigation yet they still haven't held up their end of what is stated in their letter time and time again. I have provided a letter from the Bankruptcy court saying they do not report information to the credit bureaus however they report to public record. Public record or Pacer is not the original creditor of this account and can not be used to verify information on a credit report. What Trans Union has done is sent in old dates and saying they verified docket XXXX and never re investigated the document after providing proof.
Product: Debt collection

Diversified consultant has reported a debt that does not belong to me and has failed to validate this debt. this was reported on XX/XX/2016 for XXXX for phone services from XXXX. I requested that they validate this debt by sending a certified letter to the collection agency in XX/XX/XXXX, and followed up with another certified letter in XX/XX/XXXX. As of today, they collection agency has failed to respond, yet it is still reporting negatively on my credit report.
Product: Credit card or prepaid card

When receiving my Barclay AA Aviator Business credit card, I asked the call agent for a match for more points if I met the minimum spend of {$1000.00}. The customer support agent accepted my match but I have not received the match after months of waiting. I have called multiple times and sent many secured message/service requests through the card online program inquiring about the match and still no answer. Barclay AA Aviator Business did not told up the end of their promise.