23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Debt Validation Request Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) and the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX Account Number XXXX XXXX XXXX I am sending this letter in response to the alleged debt you are reporting on my credit report. I dispute the validity of this debt in its entirety and demand strict verification per my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ).

Under 15 U.S.C. 1692g ( b ), you are required to provide me with detailed and verifiable proof of the following : XXXX. Proof of Ownership : A signed contract or agreement that proves I have a direct obligation to pay XXXX XXXX XXXX. 
XXXX. Chain of Custody : A full payment history and a breakdown of how the alleged balance was calculated, including the original agreement with XXXX XXXX XXXX. 
XXXX. Proof of Authorization : A copy of your legal authority to collect this debt, including the purchase agreement or assignment contract between you and the original creditor. 
XXXX. Proof of Licensing : Your companys collection license for my state, proving you are legally authorized to collect debts in my jurisdiction. 
Additionally, under 15 U.S.C. 1681s-2 ( b ), if you can not verify this debt with concrete proof, you are legally required to delete this account from all consumer reporting agencies ( Equifax, XXXX, and XXXX ) XXXX 
If you can not provide the requested validation within 30 days, you must immediately remove this account from my credit report and cease all collection activities as required by federal law. Any attempt to report unverifiable or inaccurate information violates the FCRA ( 15 U.S.C. 1681n and 1681o ), and I will be forced to take legal action if necessary.

This letter serves as notice that I do not consent to any phone communication regarding this matter. All correspondence must be in writing. Failure to comply with these requests may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office.

I expect a response within 30 days from the date of this letter. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received a notification/email from XXXX XXXX XXXX that my account was being attempted to be hacked. I was very cautious. I wasn't sure if it was correct or not. I reached out to coinbase and they confirmed that they do send emails from the email address " XXXX XXXX XXXX '' Turned out that the email was a fraud email. Their email moniker had been spoofed. When I began an email thread with their support team, it too has the email moniker " XXXX XXXX XXXX '' So there is essentially no way for the consumer to know if what's being asked of them is fraud. When I brought that up to them, they give you a generic unhelpful uncaring response. 

Their email has been spoofed and they do nothing about it. Now I am out approx. {$2000.00} that has been taken from me. I have screenshots of the hacking email that shows it's from " XXXX XXXX XXXX '' along with screenshots of the legitimate support chat which is also from " XXXX XXXX XXXX '' Please help me get my money back. This is a electronic transfer of funds so am I not protected by Regulation E? Coinbase has left me in the lurch and their support is refusing to take ownership. 

If you look online there are many other cases describing the same issue. Coinbase is allowing their support email to be spoofed and doing nothing about it. Their customers are open to endless fraud loss and heartache.
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto loan with Truist bank loan # XXXX. My auto loan payment is due on XXXX of the month. I paid XXXX and it posted correctly. They received my payment in full to pay off the loan on XX/XX/XXXX which included my XXXX payment. They are reporting my payment as 30 days late and it was not. Since XXXX only had 28 days the 30day mark would have been XX/XX/XXXX and they received the payment on XX/XX/XXXX. They are saying that since XXXX only had 28 days that it changes the time frame 28 days as a late which is not stated anywhere in my loan paperwork it says 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently on all XXXX and XXXX my car loan is saying account is closed. I`m currently paying on my loan every month and I have the car in my possession. I have been trying for 4 months to fix this problem, Its hurting my credit. I have alerts sent to my phone saying that I missed a payment when I really don't.
Product: Money transfer, virtual currency, or money service

Dear PayPal Team, I am writing to appeal the permanent limitation placed on my PayPal account, registered under the email address XXXX. I believe that this limitation was placed in error, and I would like to request that you re-investigate my case and restore my account if possible. 

Firstly, I want to emphasize that I have not violated any PayPal policy. I have always complied with the terms and conditions set forth by PayPal, and I have used my account responsibly. Therefore, I was surprised and deeply concerned when I received the notification of my account 's permanent limitation. 

I strongly believe that this decision was made based on a mistake or misunderstanding. I have not engaged in any suspicious or fraudulent activities, nor have I violated any PayPal policies. I have always been transparent and honest in my transactions and have always followed PayPal 's rules. 

I kindly request that you take another look at my account and re-evaluate the evidence you used to reach the decision to limit my account. I hope that upon review, you will find that my account does not warrant a permanent limitation, and I can continue to use my PayPal account as before. 

I understand that the safety and security of PayPal 's platform is of utmost importance, and I appreciate your efforts to prevent fraudulent activities. However, I firmly believe that in my case, there has been a misunderstanding, and I am eager to cooperate with you to resolve this issue. 

Thank you for taking the time to consider my appeal. I am confident that a fair and thorough review will lead to a positive outcome, and I can continue to use PayPal services as before. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 to present date XXXX and Equifax are reporting inquiries and accounts that I do not consent to, authorize, nor have I benefited from. I have contacted the consumer reporting agencies and creditors to investigate this fraud and remove the inquires and accounts. I had been successful in removing several of these fraudulent accounts and inquiries but have not been successful in eliminating them all. I have called numerous times to the consumer reporting agencies and the creditors in question. I have also written to the consumer reporting agencies with proof of my identity, to request that the remaining fraudulent accounts and inquiries be investigated and removed. The most recent response I received back from the consumer reporting agency stated they would not be removing the inquiries and will continue reporting for 2 yrs. 
Between Equifax and XXXX I have 16 inquiries being reported that I do not consent to, authorize, nor benefit from. These fraudulent inquiries and accounts have put undo stress on myself and my family, defamation of my character, and credit slander. 
At no time did I give written instruction to the above consumer reporting agencies to report on my behalf. Pursuant to15USC1681b ( a ) ( 2 ) Permissible Purpose and 15USC1681 ( a ) ( 4 ) Accuracy and fairness, I am requesting the immediate deletion of the fraudulent inquiries being reported by XXXX :. 
The following ( 9 ) hard inquiries I DO NOT CONSENT TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUITY LOANS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the the immediate deletion of the fraudulent inquiries being reported by Equifax : . 
The following ( XXXX ) hard inquiries I DO NOT CONSENT TO : XXXX XXXX XXXX XXXX XXXX XXXX - x2 inquires with this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reported the identity theft thru FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Resurgent/LVNV Funding, XXXX, and XXXX. The Account Opened is Resurgent/LVNV Funding Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep uploading dispute letter to Transunion and they keep sending back stall letters and not fixing my issue with a late payment on my credit report I explain XXXX XXXX XXXX XXXX has reporting 2 different months reporting late payments XX/XX/2021 and XX/XX/2021 and that is a clear violation under FCRA code15 U.S. Code 1681s2
Product: Credit reporting

On XXXX/XXXX/XXXX I submitted a complaint with Equifax regarding inquiries that I do not recall authorizing. Equifax always answers with the same standard response that it is my responsibility to contact the creditor to address this matter. This is a TOTAL contradiction to Equifax previous actions because records will show that Equifax has recently removed inquiries from my credit report without informing me that it is my responsibility to contact the creditor. The following inquiries I request to be investigated. I also request for the name of the Equifax Representative that conducted the investigation and the name of the person of behalf of the Creditor they spoke to confirm that the inquire was legitimate. If it was determined that the inquire was legitimate I am requesting Equifax to send me a copy of the documents used so I can verify it 's validity. 

Please note that some of the same inquiries were displayed on my XXXX and XXXX credit report and removed. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( I 'm not in the market in Buying or attempted to buy a house in over 2 years ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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

I am writing to file a personal complaint regarding my credit record. Upon review, I discovered late payments that I dispute. I sent correspondence about this issue over XXXX days ago but have received no response, nor have I been provided with satisfactory validation of these late payments. I am seeking your intervention to resolve this matter.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items that were inaccurate.Under 15 U.S code 1681e ( b ) accuracy of a report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information possibility accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 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. in accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

My Bortowers defense case # XXXX is currently in pending discharge. American Education Services is still demanding that I make payment. I should no longer be responsible for making payment.
Product: Bank account or service

I was attempting to book a rental property and I was given the owners ( XXXX XXXX ) Wells Fargo Bank account info to deposit/wire the money. I went to a Wells Fargo branch and had them verify that the owners account looked to be legit account. They said it looked legit, but could n't say anything else. I felt more comfortable with depositing the money. The bank created a certified check for {$2700.00} from my Wells Fargo account and deposited it into what i was told was the owners account. 
I did more research the night I deposited the money and feel like i was part of a scam. My wife and i called Wells Fargo and found out that I would have to go into a branch to try and stop payment. 
I went into the bank at XXXX ( 21 hours after making the deposit ) and explained the situation and wanted to put a stop payment. They told me I had to go the legal route on this and they could n't do anything. 
I just received another email from the " Realtor '' ( XXXX XXXX ) saying that my certified check did n't clear. This is making me even more concerned that they are going to ask for more money and/or not provide any services ( rental property ). 
I was looking for the bank to care about cancelling the check from my side, but they seemed bound from doing anything. They also did n't seem to care that one of their accounts could be involved in a scam. 
After calling Wells Fargo around 10 times, someone actually filed a research claim to look into the check, but I still do n't get the feeling that Wells Fargo is going to take this serious.
Product: Credit reporting, credit repair services, or other personal consumer reports

This creditor XXXX XXXX XXXX is reporting a fraudulent account, I did not do business with them and the data they are reporting is outdated and inaccurate. I sent out letters disputing their claims, but I did not receive any response from the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017, I opened a secured credit card with XXXX  for the amount of {$200.00}. Shortly after the account was closed. I do not understand why XXXX continues to show a balance on my credit report for {$250.00}. I've disputed this account numerous times with all agencies. They are suppose to take the secured funds to pay off the balance, but as my credit report shows it looks like this hasn't been done and the amount showing is more than the secured amount.
Product: Credit card

My credit card was closed by Bank of America due to a security breach and a new card was issued. The new card was then subject to fraud within XXXX day of using it. There is a credit balance on the original card and the Bank has been unable to refund that balance or transfer to my new card for over a month. I have made XXXX calls lasting over XXXX hours in total and each time have been told the balance would transfer in XXXX days. It has not happened.
Product: Credit card or prepaid card

This is regarding a charge for a purchase that the shipping carrier returned to the sender, the merchant, and the merchant ( XXXX ) has signed for the delivery indicating it has received the returned package that correlates to my original order tracking number, charged to my Chase credit card ending in XXXX. 

I purchased 2 items from XXXX on XX/XX/2023 and was charged {$5800.00}. XXXX shipped me this order ( Order Number XXXX ) using XXXX ( XXXX  tracking XXXX ). I disputed the charge because the XXXX  tracking clearly shows that the items were returned to sender using the XXXX carrier the merchant chose to ship the item with, and was delivered back to XXXX warehouse signed by XXXX on XX/XX/XXXX. Chase decided in favor of the merchant XXXX because they supposedly provided an XXXX  proof of delivery on stating the items were delivered on XX/XX/XXXX. But I provided XXXX  proof of delivery for the same tracking number showing it was returned to sender and delivered ( signed and received by XXXX ) at their warehouse of shipment origin on XX/XX/XXXX. The XXXX  proof of delivery showing the items are returned to the sender showing delivery back at the merchants warehouse AFTER the proof of delivery XXXX provided should trump what XXXX provided becusee XX/XX/XXXX is AFTER XX/XX/XXXX, and the tracking shows the items were being returned to sender on XX/XX/XXXX, so obviously I as the consumer should not be responsible for any error on the part of the merchant or their shipment carrier where they returned the items back to the merchant and received them. I as the consumer should not be held responsible to pay any order where the items were returned to sender and XXXX clearly received them back after XX/XX/XXXX, because the XXXX  tracking clearly shows XXXX received the items returned to sender on XX/XX/XXXX. XXXX tracking XXXX. I am owed my money back and XXXX promised to send me replacements but then canceled that and refused to refund me for the items that were returned to sender. Chase somehow is neglecting basic carrier tracking information showing it was delivered returned to sender signed by XXXX on XX/XX/XXXX. I no longer have the items and the merchant has them. The consumer should not be held responsible for any items that were returned to sender, the merchant XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my consumer risk report through XXXX XXXX. My clue and consumer report has an accuracies that do not verify with the correct information. My name is wrong. My address is wrong and also other consumer reporting information dealing with credit and background that needs to be updated with the correct information.
Product: Credit reporting or other personal consumer reports

Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681
Product: Credit reporting or other personal consumer reports

I have been trying since XX/XX/XXXX to get a letter from XXXX showing I have a XXXX balance and my debt is paid off. I received a letter from their collection agency but Equifax would not accept from collection agency. XXXX XXXX told me they could only mail me the letter because they do not email them or they could fax me a letter if I mailed them a letter requesting it. I request it to be mailed and never received. I then was told Equifax could do a verbal confirmation so I put Equifax contacts on as permission on my account to get the verbal confirmation my debt was paid off. Equifax called and was told they did not have permission. I call and was assured the contacts did have permission. They promised me a fax after that and 2 days later no fax and was told the request was inputed incorrectly in their system. Request was put in again and did not receive fax. I'm trying to buy a house and need this so my loan can be processed to buy my house. It's been 2 weeks and they are not assisting me at all and giving me the run around!
Product: Debt collection

My mother suffered a XXXX XXXX on XX/XX/XXXX which required an ambulance ride provided by a company named XXXX. The cost to her was {$200.00}. I received the bill on XXXX and paid the bill via check on XXXX ( I am the executor of the estate - she died on XX/XX/XXXX ). I received a debt collection letter from Bay Area Credit Services. I tried to contact them several times. Their phones are never answered. I contact XXXX and told them I had paid the bill. They made note. I then emailed Bay Area Credit Services and have not yet received a response. I sent the email via the information on their website : For Dispute email us at XXXX 

I sent the initial email on XX/XX/2020 : -- -- -Original Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX Sent : Wed, XX/XX/2020 XXXXXXXX XXXX Subject : BACS Account # XXXX /creditor Account : XXXX I have made several attempts to contact your company during your regular business hours. The message on the phone number provided by the notice sent to me states the offices are closed. 

This is in regards to a XXXX dollar payment owed to XXXX XXXX XXXX by the Estate of XXXX XXXX. You have incorrectly named it : Estate of XXXX XXXXXXXX. Please correct your records. 

I called and spoke to XXXX this morning. I spoke to XXXX. I informed her that payment was mailed to their company on XX/XX/2020. She stated she would make note of that information. The check was from my account and the check number is XXXX. 

Please indicate on your records that this bill has been paid. Please respond to me within 24 hours. 


NO ONE IS CONTACTING ME WITH ANY INFORMATION.
Product: Credit reporting or other personal consumer reports

Three collection agencies are responsible for medical bills on my Credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Product: Credit reporting

Equifax has an inaccurate hard inquiry on my report from XX/XX/2016 for XXXX XXXX XXXX credit card. I have followed all instructions from Equifax, including submitting a police report and contacting XXXX XXXX XXXX and XXXX XXXX Credit card companies. I have made numerous contacts with all parties and have been assured this would be resolved - but it has not as of this morning! The information reported, when compared to my personal information, proves this information is not consistent with my information - nothing except my name matches any information!